I’ve Switched From Making Money To Saving Money. It’s Working Out Much Better.

I think I have finally accepted the fact that I just can’t make or earn money. But man oh man, can I save money! I’ve decided to quit trying to make money and fail at it (thus making me feel sad about myself) and simply concentrate on my good points (which is saving money) rather than my bad points. Is it any wonder that I feel super good about myself when I save money on a top quality item? Everybody excels in one thing or another. Mine is saving money, getting it wholesale, on sale, discontinued or plain ole free!

You have to be vigilant. You have to watch your prices. You have to be knowledgeable. You have to read everything. And I do mean, everything. Even the contracts you blindly sign. Take a few moments and either skim through the documents or sit there, take your time and read. You’ll be amazed at what you can learn and find out.

Every month I go through all our bills looking for errors. Last week I found a $30 error on my cell phone bill. I was charged twice for something we never got. Better to have that $30 in my pocket than theirs! Check your receipts after grocery shopping. Don’t leave the store till you checked out everything. It sucks if you find an error after you get back home. Then you have to go back and I hate going back. No amount of saving is too small nor too big. In my financial situation, every single penny counts.

Screen Shot 2019-09-03 at 1.56.45 PM.png
I had a $10-off coupon for these shoes for my husband = $59.99. When I got home, I checked the shoes online and I could have gotten them for 25% less = $17.50 off. I immediately called back the store and they issued me a $25.75 credit back to my charge card for my trouble. Final cost = $44.24!!!Β  SCORE!
At WalMart’s end of season, clearance sale, I got several pairs of shorts for my husband for only $7.50 a pair. That’s less than what we would have paid at Goodwill or a consignment store. Plus WalMart’s clothes are new! SCORE!! Ordering them online also gets me a 3% cash back reward when I use their charge card. Double Score!!

I live in the middle of farm country. Hubby and I were hankering for one of my peach crumble pies. Locally, in one of the town’s fancy (tourist) stores, a pie like this would cost upwards of $18 to $25. Hubby and I went to one of our local farms and for only two dollars ($2.00) we handpicked the peaches, came back home and cooked up our very own peach pie for that evening’s dessert! Delish!

The peach doesn’t fall far from the tree (pardon the pun). But my daughter is equally as good as I am when it comes to saving money. She saved up all her points from one of her charge cards in exchange for gift cards to Target. She was able to buy a whole new school clothing wardrobe for her daughter (and so the tradition passes on and on), plus get new bedding, pillows, sheets, towels, etc, etc. Her final cost: $1.54! That’s one dollar and fifty four cents, folks!!

Here’s my daughters’ score at Target. All this for only $1.54 once she used all the Target gift cards she collected from reward points off her credit card!! SCORE!!

And lastly, just to let you know, age has its benefits. Once I turned 65, I qualified for a reduction on my home’s property taxes. Here’s what I used to pay a few years back:

Before I turned 65, this was my property taxes a few years ago.
These are my property taxes today!

I may not have had any luck in my lifetime earning money BUT I have been able to make up the difference by saving money to balance out the score. Personally, it’s been more fun saving money than actually working at a job! The Good Lord has given us all special talents. He’s given me the gift of bargain hunting. Thankfully, it’s a gift I can pass down to my own daughters, my husband and to you!




  1. Hi Cindi,

    I agree with Writer regarding you writing a book! I will be first in line to buy it! Thank you for your blog, it gives me great joy reading it!



  2. You definitely should write a book Sunday! All these tips will come in very useful for others entering retirement. And your daughter appears to have learned from the best . You have obviously been an excellent role model for her! Really enjoyed this post. Hope your arm is feeling better.


    • Hi Teri. Glad y’all survived the recent hurricane. Dorian is gone! But not forgotten.
      I’m working on a book, for sure!
      My arm/hand it much better but still, sometimes, at night, it gets very tired. If that’s at all possible. A tired hand? I have to stop using it when it feels that way.
      Thanks for your comment.
      PS: sometimes I learn some saving tips from my daughters BUT I’ll never let on. πŸ™‚


  3. Saving vs making money is like the age old question what comes first the chicken or the egg? To have any money to spend, it has to come from someone working , if not you, your spouse or family, inheritance, or government entitlements.
    Getting discounted prices on goods and services is just a manipulation of the pricing of that commodity from what manufacturers think the consumer will purchase its merchandise for. It is not a true cost of the item. It merely a starting point. IMHO, It is a learned skill and I sometimes think even an obsession to spend our time working for that bargain. I use this bargain hunting skill in investing in stocks too and it pays off even better by increasing passively the original dollars earned. Lara

    Liked by 1 person

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