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I never give exact change. I might dole out the pennies to only get silver coins back, but never any more than that. Every couple of days or so, I transfer the change from my purse to an opaque jar on my shelf, and when it gets too full, I roll the change and put it in a box in the closet. When vacation time rolls around, this becomes my spending money, and by saving all my change for a year, I end up with $300-$500 bucks I didn't even feel like I was saving.
I learned from the government shutdown that a sudden pay loss can be crippling to a family. When the dust settled and the paychecks resumed I bought a gift card from the grocery stores I frequent. Each week I add $10 to one of them. Should an emergency occur, I have some back up to be able to feed my family.
You need to total all of your bills for a month, including all groceries.
I got a pre payed phone T-Mobil loaded with 100 $ for the year(1000 min.)I can text or call even international .If I need more min. I add more. I do not have a cell bill monthly in the last 3 years and don't missed.
A super easy glass cleaner that dose just as well if not better is as follows. Take a spray bottle and fill half with warm water. Add two tbsp. of corn starch and fill the rest of the bottle with equal parts vinegar and rubbing alcohol. Shake well before each use as corn starch will settle. Try a batch I bet you will love it!
This is a great money-saving move! Pick one day per month (or week) to clean out the pantry/fridge/freezer. Go over what you have and get creative to make something from it. Make soup, casserole, stir fry, whatever you can think of. If you can stretch it to a week, more power to you! It prevents older food from going to waste and saves you from a grocery run for one more day.
Cheese: Mozerella,muenster, provolone, Swiss, cheddar and Parmesan.