Casa Adalia

Archive for the ‘personal needs’ Category

What kind of loan is this?

Tuesday, June 20th, 2017

Is it a personal loan? The benefit of having the actual student loan is that this kind of debt has the benefit of (1) cancelling out when one dies, (2) being eligible for deferment or forebearance if needed.

Personally, I think that the better plan would be to just pay the $450 each month on the current loan.

Ideals for lowering grocery and personal needs:

Friday, September 9th, 2016

1.have a pantry challenge and use up what you already have. (It’s amazing the odds and ends we have when we really look.)

2.create a meal plan and buy only what you need.

3.Make as much as you can from scratch, rather than buying already made stuff

4.Use coupons on personal care items, etc that coupons do exist for (only if better deal than non-coupon brand)

5.If shopping at Wal-Mart—take in other ads to price match

6.Do you have an Aldi in your area? Great for basics and food items without having to use coupons.

7.If eating out—have an “eat-in” night at home instead—where you create what you were going to go out for. Example: my college kids want taco bell— I make Taco Salads at home for 1/4 or less of the cost.

You didn’t mention what is your budget? How many are you feeding?

Just some quick ideas off the top of my head