Limited Income….Love Coupons!

Hello everyone! It has been a while since I last blogged, my apologies! A brand new hobby that I’m proud to say I’ve become addicted to is couponing, which will explain my title. I am in my late 20s, on a limited budget and live in a very expensive zip code at home helping a family member with health issues. How do I do it over and above a straight job?  I COUPON to save money, and I’m proud of it. Let me explain how I saved around $100 on groceries and gas this week. Yes, $100 saved.

My family does the majority of our grocery store shopping at Giant for two reasons, its our closest grocery location with great deals, and also gas points at participating Shell stations. For every dollar you spend at Giant, you earn a point, get 100 points, you earn $0.10 off per gallon of gas, 200 points, $0.20 and so on…reach 1000 points, $1.00 off each gallon. Certain items have deals each week, if you buy 5 of the participating items (shampoo), you then earn an automatic $0.50 per gallon, along with all of the other points earned based on the dollar amount you spent for that particular grocery shopping trip. For example, you spend $50 on groceries, and also purchase the participating products for gas that day ($0.50 additional gas points) then you earned a total of 1000 points, or a $1.00 off per gallon. Make sense? It is a bit confusing at the beginning, but it becomes pretty routine and easy once you get the hang of it. Now people have pointed out to me that I’m still spending that money on these items, in order to redeem my gas points, so isn’t it a waste? I say no. My logic is, if I’m going to use the item anyways and it won’t expire  (non perishable items) or pantry goods that have a long expiration date, it really in the end evens out because you are saving at the pump, the same dollar amount you spent at the grocery store.

My most recent triple saver was one I am especially proud of. It was on shampoo. I had a manufacturer coupon for $2 off two bottles of a specific brand of shampoo. The store had a promotion of not only 2/$6 but also, if you buy 5 of them, then you earn $0.50 additional gas points. Bam! I was able to combine all 3 promotions. I ended up saving $20 on gas with previous points earned.

Let me just say this, I’m not a crazy coupon hoarder, I don’t just take items out of the store I don’t need just because I can get them for crazy cheap, or free, I use all of my items. I also don’t store 25 bottles of laundry detergent, I store 20…..kidding! But in all seriousness, I use commonsense when it comes to deals, and have not built any additional storage places in my house, so I have keep in mind the amount of room we have to keep everything.

Last bit I will say on this, as you can tell, I am really passionate about saving money. Go onto different coupon apps, they are a money saver….Ibotta is a major one I use, it ranges from $0.25 off of bread, to $3 off detergent, every penny adds up! I also go to coupons.com and print out deals. Check with your local stores policy, many times they will allow you to stack coupons. Good luck!

 

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Don’t Quit Your Day Job

There is the saying “don’t quit your day job.” Here is a very important question and concept to really contemplate: you have your day job that produces the stable income, but if you’re like me, you have always wanted to be your own boss. How does one find the balance of keeping your focus on your day job where you answer to your boss and co-workers, all the while still maintaining the energy, physically and emotionally to create a new start-up business, or product. It can be hard. I have been a big fan of “Shark Tank” and have read books from the “Sharks” on advice. They talk about how you need creativity and the pros and cons of working for yourself. So here is my question: how would you, my readers, go about and come up with a great product, or business idea, get started, all the while maintaining your job that pays the bills, and maintain a family/social life (if you have a family of your own.)

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YouTubers…..

So this is a very honest question I have: how do YouTubers become sponsored. There are so many competitors out there creating all sorts of different content; everyday products they use, clothing and makeup purchases, and straight up fun and creative videos. How do you go about getting “discovered.”

My questioning behind this comes with having an entrepreneurial passion. Lets face it; the world has gone digital, yes there are still plenty of tangible ways of life, but a lot has transferred to mobile devices. Social media in its infancy was and is still Facebook, yet, there are newly developed applications competing with one another constantly. Facebook originally was created for personal exposure, and now many consider it more on the professional side with businesses promoting their services, and advertisements on the sides, targeting different members interests. Instagram even has become much more professional. Not in anyway saying businesses don’t have a right to advertise through social media, just that it clearly shows that social media exposure has changed the way our world operates.

People are becoming “Facebook” and “YouTube” stars based on various content they are sharing, everyday content that goes viral. What makes them so much more special and noticed? Just some thought that I have. Feel free to comment.

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Usborne Books and More

I am so happy to announce that I have signed up and am now an Independent Consultant through a wonderful company called “Usborne Books and More.” Usborne is a company promoting literacy starting at birth up until high school. The books are wonderful in content, very high quality, and not to mention VERY AFFORDABLE.

The reason I decided to join this amazing company is because everyone, and I mean everyone needs to learn how to read, and enjoy literacy. Bonus: you start making money helping students today develop literacy skills.

The way Usborne works is that you pay a small start up fee, mine was $135 with everything included as a welcome kit. My welcome kit was a medium sized box full of books from different interest and reading levels, a catalog, order forms and information on how to get started. Once you learn how the company works (I learn something new everyday), you can get your business rolling. Basically, you sell the books, and then make a commission on  your sales.

Why not get started in a thriving business that keeps our children educated and learning for life. It all starts at a young age, and the earlier they start learning how to read, the better. The goal here is for children to learn to love to read (and making money while doing such a great thing!) Did I mention that you can work as much or as little as you want. There are no minimums or even maximums on sales, and there are a variety of different ways to make sales (web sales, Facebook parties, book fairs, school programs and more!)

If you are interested in joining, please sign up under me, and we can have a wonderful business to promote childhood literacy! Join me! Happy reading and money making! Here is my personal consultant website,  please visit, learn, shop around for your student and even join! Click Usborne Books and More!

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The end of one, beginning of another

A lot has happened since I last wrote. I will admit, I’m not the best at keeping these blogs up-to-date, though I do follow a lot of others on social media, so you would think I would know to…

Source: The end of one, beginning of another

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The end of one, beginning of another

A lot has happened since I last wrote. I will admit, I’m not the best at keeping these blogs up-to-date, though I do follow a lot of others on social media, so you would think I would know to post more often, right? I just find it hard to find content that is worth posting, content random strangers will be interested in reading.

One huge change for me is my job. I will fully admit that I lost my job; it wasn’t fun, and never is fun. In the process of dealing with this loss, I decided to read Barbara Corcoran’s book, “Shark Tales.” Its all about how Barbara (one of the investors on “Shark Tank”) started out with nothing and lived in a very crammed home with her large family. She decided to pursue a real estate career, getting started with a $1000 loan from her boyfriend she met at a local diner she was working at. Through all of her ideas and work ethic, she has made a success.

A major point that stuck by me from reading her book was about what makes a great sales person, entrepreneur, employee in general. It’s not a matter of how good of a sales person you are, or a hard worker, whatever your achievements are; its a matter of how you handle a loss or a rejection. The people who bounce back the quickest are the ones that are successful.

Within this past month of being unemployed and applying for various different jobs and trying to figure out a new path, I accepted a new position today! The first 2 weeks I felt very sorry for myself because I did not see my previous job ending as soon as it did, but you know what, it was a good thing for me. It helped kick me in the pants and start something even better. I now have given myself the opportunity to work for my “day job” all the while leaving time for my creative goals in creating my own business. It took a loss and feeling a little bit down, to create the opportunity for goals that I have been wanting for a long time, I just didn’t know how to do it.

Moral of this post: how quickly and positively you handle rejection and how quickly you bounce back. YOU CAN DO IT!

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Paying for Life Skills

As an aspiring entrepreneur, and a young career female with many interests, its hard to pin point what I call an actual “career.” I am the proud co-owner of my start-up family business called “ABC 4 Higher Ventures.” Our business will be specializing in Consulting and Sales, so it leaves it open to be an umbrella company. There are many skills that can be included in our business.

My individual interests  have a hefty leaning on sales. I currently work in a sales job that is about getting the best design for your budget. Sales isn’t always about just trying to “sell” a product, but knowing what you are selling and all the options that can be included and alternatives available.

Being in a sales position is a wide variety of fields, from real estate, to a sales associate at a local or franchise business, and many in between.  Real estate, I’m learning as I have family working the in field, is more than just selling a home. Its’ about knowing the zip code areas, what the interested family is looking for, and all of the in between steps that involve the actual move. I have strongly thought about becoming involved in real estate as property values in my hometown of Tyson’s Corner in Northern Virginia are skyrocketing with all the the added business and transportation construction.

Another area of sales that people may not know about is affiliate marketing. Long story short, a business will reward a person if they advertise through linkage of a product and another buyer clicks on the link. You can read a more detailed description at the link provided above.

My point with all of these different types of sales is that learning these life skills can lead to more money in the bank and overall knowledge of a variety of different life interests You can have a career that involves many different components, so expand your horizon and don’t be afraid to have many interests, I’m not.

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