January Saving

 I mentioned yesterday that I'm working on spending less in January.  Only things that are necessary.  I'll share some of my wins with you as I have them.  If you know me, you know I am an overachiever so I'm always planning for success.  

I've decided that I am going to be a bread maker (without a bread machine).  I've made a few loaves with somewhat success.  Tasted pretty good but could have used some more air and I had read to use a meat thermometer to measure the temp of water - warmer water can help rising but too hot can kill the yeast.  This is a problem - trying not to buy things - and then I remembered....  I needed to get some avocados today and I ran into E&L Supermercado (and they have the best chips!).  You might not think these two things are related EXCEPT! when someone shops at E&L the shopper accumulates points and one can use those points to buy things!  I've known this for quite some time but there usually isn't really anything that I want to buy - until TODAY!  

I found a meat thermometer on the pegs and it was 455 points - I had 2600!  So today I scored something I needed FOR FREE!  I love free stuff!  

I also needed 5 gallon water from Lowes.  I found two coupons to get free water!  I've had them for awhile but I haven't been able to get to Lowes to get them.  And I actually like to get the 4 gallon jugs from Kroger because they are easier to handle and they don't require a stupid deposit required. And.... I can use the Kroger ones for winter sowing.  

I am such a nerd! The more things I get for free, the more I am excited about to save more money and find ways to get more things for free.

I don't know if you like to use a budgeting app but YNAB has really changed the way I budget and think about money.  I get paid every two weeks and this month, I get paid 3 times. I figure out all my bills based on 24 times a year so the extra times are  for building up my categories and squirreling away money.  What a nerd.  💰🤓

using YNAB has changed my life!  It has changed the way I think about money, how I give every dollar I earn a job!  I used to be caught off guard by needing tires or a home repair and now I prepare for these things and the amount of stress that I no longer have when things happen, cannot be measured.

If you would like to try YNAB - here is my referral link.  YNAB



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