Birdseye Steamfresh Meals x3 $14.97 (used (3) $2/1 MQ)
Make sure to save the receipt as there have been sightings of a rebate form at PetsMart for a coupon for a free 4lb bag of Iams wyb one bag. Rebate expires 6/30/09.
I have our dog food in a large Rubbermaid tub and I use these small bags to stretch the food a little longer. If you mix it with your regular food it isn’t as hard on your dog’s tummy.
Unemployment offices in most states are so swamped right now they are asking for 6 weeks to process claims. My case is nearing the 10 week mark and we have been told the process won’t go any faster unless we can prove severe hardship- such as a foreclosure notice from our bank.
Thank goodness we got on board with Dave Ramsey years ago and paid off almost all my school loans, our cars and credit cards. We still have a portion of my grad school to pay off and then we can really get back on board with focusing on our savings account.
What I have learned from this experience is the importance of having a savings account. Since I am 31 weeks pregnant the opportunities for employment are limited. I had no idea the unemployment process took so long and that it would be over two months without a word.
I also decided to be extremely proactive in the process. The night we heard my company would be closing, we sat down and really looked at our budget. When we moved to California last January we put 20% down on our house, which basically wiped out our savings. This was a mistake that we have learned from and will never repeat! At the time we had no idea the economy would experience the roller coaster we have all been on.
Since then, we have been focused on slowly building our savings back up and have 3 months of expenses in the bank. Our goal is to not have to touch that money during this process so we slashed everything in the budget. I fought our way out of an expensive cell phone contract and I will be getting a prepaid phone. I would skip this altogether except being so far in the pregnancy I feel more secure knowing I can get ahold of someone just in case. We slashed our grocery budget down to $30 and I am spending a lot more time at home to avoid filling up our tank. We cancelled my daughter’s expensive gymnastics class and I am taking her to the park several days a week instead. I sold a few items we don’t use on Craigslist. I submitted our taxes the same day I got our final W-2 and we have already received a refund from the federal government. (Just in time to pay the registration on both of our vehicles).
While we aren’t in financial peril, we should have known better than to empty our savings account last year. I am thankful that we do have savings in place that combined with my husband’s income would easily get us through the end of this year. I am thankful that we don’t have bill collectors calling since we paid off our cars and credit cards years ago. I am also thankful that we have the determination not to go back into credit card debt and we are willing to do just about anything to stay out of it. We are also trying to stay positive and are looking forward to getting back on track with the debt snowball to pay off the last bit of student loans.
Stay tuned as I will be posting our experiences with Dave’s program and how we eliminated over $20k in debt a few years ago.
Did you miss this Guest Post on Money Saving Mom about maximizing the interest rate on your savings/checking account? I caught some financial experts recently discussing how most Americans spend more time weekly planning their grocery list than they spend yearly on their overall financial picture. Maximizing the interest on your savings and checking is a great place to start.
I also have an ING savings account. We actually have one for our emergency fund (we keep $1000 in a savings account linked to our checking and the rest in ING), as well as an account that we deposit our property taxes into monthly. I was very skeptical of online savings but we have had this account for 2 years with no issues whatsoever. When we sold our house last year we had a substantial amount in ING while we shopped for our new house. The only issue with online accounts is that is can take up to 5 days to transfer funds into your checking. I have found transfers typically go through within 48-72 hours.
Contact me for a $25 referral bonus if you decide to open an ING account.