I know this is not to me, BUT sometimes a second job is not a feasible idea.
It would cost me more in fuel than I would make, I think I figured it up, and I would clear approx. $50 / month while running myself ragged.
I do feel there are other ways to make money without a second job, and I am lucky in my job that if I work harder at it, I make more money, and can increase my income that way.
One thing that everyone seems to forget is the grocery bill.
I spend $20 every 2-3 months for www.grocerygame.com I use her lists, and what coupons she says to use, and I save AT least 50-60% every week, on the bill that I buy. I cut my grocery bill by 2/3.
As I stated in another post, I am moving, I didn’t realize how much stuff I had that I had stockpiled.
I did the grocerygame for approx. 3 months, I lived off what I had stockpiled for 5 months, other than milk, soda, and a bit of meat. I would say 95% of my dinners came from my stockpile.
I haven’t bought shampoo or body wash in a YEAR.
I buy 6 Sunday newspapers for the coupons, spend an hour or two organizing them, and if say, BBQ sauce is on sale, BOGO – regularly $1.99 per bottle, and I have 6 $1 off coupons – I just got 6 bottles of BBQ sauce for FREE. I have done this. I have paid 10 cents a package for Lenders Bagels, etc, etc, etc.
I am not stockpiling right now, due to the move, why bring more in to move it. BUT I went from spending $100-200 per week to feed my family of 3 – that includes paper products, toiletries, and pet food – to approx. $50-80 per week for the same stuff.
CVS is YOUR FRIEND. I don’t know how much shampoo, conditioner, lotion, shaving products, that they PAID me to take. Combine their sales, easy care bucks, and coupons and you can make a KILLING.
You do have to be disciplined, and follow the lead, you can do it without the website, I just find it’s much easier for me, to know what the true loss leaders are. I figure that I would spend 4-6 hours doing what she does. And that 4-6 hours, I could be working my job, and making money.
I have done the same as well.
I forgot a couple of the free items from Safeway yesterday and went back to get them – handed over the coupons and the checker announced “Score!!” LOL – I save a lot of money that way and probably could live on our stockpile for a few months. I go a week or two without buying groceries just as Thomas does (I have a large family though) and that saves hundreds.
I also got the “Tightwad Gazette” from the library and have tried several of her things to save money. Make your own laundry soap and dishwashing soap (I used to do that) – wash your Ziploc baggies instead of throwing away – don’t buy anything without thinking about how to make it first.
You can’t cut rent necessarily, and the car payments are “sell the car or just keep paying” – daycare is what it is. But utilities, food, and “stuff” are totally under your control. That is where I cut our budget amazingly – and we are still alive to tell the tale!!!!
I would say work on your budget first to get a little more than “squeak” room. Then, start working on modest payments with these collection people. It will all come together if you just start reaching in the right direction and keep trying.