Well I do not know about you but in our household, we or I should say myself. I am a little fanatical about saving money and getting free stuff in the bargain. So as we are on a fixed income like most of the real world. I have a very small Disability Pension that I get each month. Fortunately G. is still working so we get Health Benefits etc from her employer.
We were a two salary family until the Accidents that we both had within 6 months of each other. Since then I have been a house husband and so have been keeping the accounts and always on the lookout for deals.
When we first met and for the first few years of our marriage I did the accounts 6 months in advance. I know I used to get some odd looks from G. as I did this. You know we never had a argument once about money or purchasing stuff. I only do the accounts 1 month in advance now. We have doubled our mortgage payments and I was able get a better interest rate with the bank than we had this time last year. Now we will be mortgage free in a little under 3 years. I am always pitting 1 company against another to get a better deal on Insurance, cable, phone etc. You have to do it , I know you are thinking; I just do not have the time. But believe me it all adds up very quickly so take the time and do some comparison shopping after all it is your money.
Cost of fuel for the car is up so everything has gone up very quickly and of course our income shrinks and does not go up with the cost of living. I just went over to Shoppers DrugMart today and found Thinsations they are cookies only 2 points on weight watchers for a packet. They were on for 1.49 regular 2.99 and I happened to have 8 coupons for 50 cent off each box. I had to walk home about a mile to get them but it was worth it. Hey that was 4.00 I just saved as we buy them anyways they are great for lunches and snacks. Help to keep us on track and not go belly up in the Cookie Jar.
We shop at Shop and Save or any of the Loblaws Chain as we have our bank accounts there and so have no monthly bank charges. It is another way to save our hard earned money.
We get PC Points on our purchases and if we use the PC green bags as well at the check out get more PC points for each dollar we spend. So we do not get any more plastic bags as well so it is a win, win for the Environment. In the course of a year probably get between 100-200 dollars a year in free groceries.
AirMiles we collect them both with the card and our Amex card and we get free stuff like printers, cameras, both digital and SLR ,Ipod, tools, suitcases and free trips all in the course of the last 18 months.
So I reckon because of a little extra time spent comparison shopping, collecting coupons and Airmiles. We are way a head of the game and can afford the little extras now and then without feeling guilty. So if you are a closet coupon collector be proud and hold your head high. When I see coupons that we use. I always take a lot of them as the expiry usually lasts for a while it is money in the bank in the long run.
"Coupon Funerals: 'Let us remember his life, not his expiration date. For we know our Saver (Old Tarf) will redeem him.'
Remember you are saving yourself a small fortune over time. More money for Whiskey and Beer.
Monday, July 28, 2008
Saturday, July 19, 2008
Friday, July 18, 2008
Just for laughs- Have a great weekend everyone.
I intend to have a few. "Surfs Up SomeWhere".
Posted by The Old Tarf at 6:22 AM
Wednesday, July 16, 2008
Tuesday, July 15, 2008
Don't cheat now, this is a really important question....
This test only has one question, but it's a very important one. By giving an honest answer, you will discover where you stand morally.
The test features an unlikely, completely fictional situation in which you will have to make a decision.
Remember that your answer needs to be honest, yet spontaneous.
Please scroll down slowly and give due consideration to each line.
You are in England, York to be specific.
There is chaos all around you caused by a hurricane with severe flooding.
This is a flood of biblical proportions.
You are a photo-journalist working for a major newspaper, and you're caught in the middle of this epic disaster.
The situation is nearly hopeless.
You're trying to shoot career-making photos.
There are houses and people swirling around you, some disappearing into the water.
Nature is unleashing all its destructive fury.
Suddenly, you see a man in the water.
He is fighting for his life, trying not to be taken down with the debris.
You move closer... Somehow, the man looks familiar...
You suddenly realise who it is... It's Gordon Brown! You notice that the raging waters are about to take him under forever.
You have two options:
You can save the life of Gordon Brown or you can shoot a dramatic Pulitzer Prize-winning photo, documenting the death of one of the country's most powerful men!
Here's the question, and please give an honest answer...
Would you select high contrast colour film, or would you go with the classic simplicity of black and white
Tuesday, July 8, 2008
Eliminate ear mites. All it takes is a few drops of Wesson Corn Oil in your cat's or dog's ear... massage it in, then clean with a cotton ball. Repeat daily for 3 days. The oil soothes the cat's skin, smothers the mites, and accelerates healing.
Kills fleas instantly... Dawn Dishwashing Liquid does the trick. Add a few drops to your dog's bath and shampoo the animal thoroughly. Rinse well to avoid skin irritations. Good-bye fleas.
Rainy day cure for dog odor: Next time your dog comes in from the rain, simply wipe down the animal with Bounce or any dryer sheet, instantly making your dog smell springtime fresh.
Did you know that drinking two glasses of Gatorade can relieve headache pain almost immediately-without the unpleasant side effects caused by traditional pain relievers?
Did you know that Colgate Toothpaste makes an excellent salve for burns?
Before you head to the drugstore for a high-priced inhaler filled with mysterious chemicals, try chewing on a couple of curiously strong Altoids peppermints. They'll clear up your stuffed nose.
Achy muscles from a bout of the flu? Mix 1 tablespoon horseradish in 1 cup of olive oil. Let the mixture sit for 30 minutes, then apply it as a massage oil for instant relief for aching muscles.
Sore throat? Just mix 1/4 cup of vinegar with 1/4 cup of honey and take 1 tablespoon six times a day. The vinegar kills the bacteria.
Cure urinary tract infections with Alka-Seltzer. Just dissolve two tablets in a glass of water and drink it at the onset of the symptoms. Alka-Seltzer begins eliminating urinary tract infections almost instantly-even though the product was never been advertised for this use.
Honey remedy for skin blemishes... cover the blemish with a dab of honey and place a Band-Aid over it. Honey kills the bacteria, keeps the skin sterile, and speeds healing. Works overnight.
Listerine therapy for toenail fungus: Get rid of unsightly toenail fungus by soaking your toes in Listerine Mouthwash. The powerful antiseptic leaves your toenails looking healthy again.
Easy eyeglass protection... to prevent the screws in eyeglasses from loose ning, apply a small drop of Maybelline Crystal Clear Nail Polish to the threads of the screws before tightening them.
Cleaning liquid that doubles as bug killer... if menacing bees, wasps, hornets, or yellow jackets get in your home and you can't find the insecticide, try a spray of Formula 409. Insects drop to the ground instantly.
Smart splinter remover: Just pour a drop of Elmer's Glue-All over the splinter, let dry, and peel the dried glue off the skin. The splinter sticks to the dried glue.
Hunt's Tomato Paste boil cure... cover the boil with Hunt's Tomato Paste as a compress. The acids from the tomatoes soothe the pain and bring the boil to a head.
Balm for broken blisters... to disinfect a broken blister, dab on a few drops of Listerine, a powerful antiseptic.
Vinegar to heal bruises... soak a cotton ball in white vinegar and apply it to the bruise for 1 hour. The vinegar reduces the blueness and speeds up the healing process.
Quaker Oats for fast pain relief... it's not for breakfast any more! Mix 2 cups of Quaker Oats and 1 cup of water in a bowl and warm in the microwave for 1 minute, cool slightly, and apply the mixture to your hands for soothing relief from arthritis pain.
Monday, July 7, 2008
The following was developed as a mental age assessment by the School of
Psychiatry at Harvard University. Take your time and see if you can read
each line aloud without a mistake.
The average person over 40 years of age cannot do it!
1. This is this cat.
2. This is cat.
3. This is how cat.
4. This is to cat.
5. This is keep cat.
6. This is an cat.
7. This is old cat.
8. This is fart cat.
9. This is busy cat.
10. This is for cat.
11. This is forty cat.
12. This is seconds cat.
Now, go back and read the third word in each line from the top down.
I betcha' you can't resist passing this one on