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A while ago when I first asked for financial advice on this forum, I started keeping a record of my expected income and expenses. On my expenses list, I included a column to write how much I planned to put money toward paying off each debt. However, I don't make enough money to make plans for paying towards all of my debt. I check my budget a couple of times per week, on Fridays when I get paid and mid week so I can remind myself of what I plan to do with the upcoming Friday's pay. Doing so keeps me mentally aware of my income and expenses.
My parents are never late and never pay late, so I can't rack it in on late fees. One of my daycare parents has mentioned a couple of times that she has to take her child back to work with her for the evening when she has picked him up. So tonight, when she said that he had to go back to work with him, I told her that for an extra fee, I will watch him into the evenings until she gets off work if she will just call me during the day to let me know she has to work late. She doesn't know ahead of time when she will have to work late, so it's not a schedule or set amount of extra income each week, but it will be something even though it will be sporadic.
I've never cooked dried beans. I will have to look up recipes. I am on the food program which reimburses me for feeding the children. I have to provide a properly balanced meal. But in the past few months, I have learned to cook much cheaper, yet healthy meals.
I don't know what a co-op grocery store is. But we do have bulk grocery stores like Costco and BJ's Wholesale Club. They sell items in bulk which makes the individual item cheaper (for example, 3 bottles of shampoo sold as one item for $6 instead of buying each bottle separately for 2.88 which saves .88 per bottle.) I belong to BJ's. I shop there every once in a while when I can get enough money together to buy a few items at $6-$10 per item. Even though in the long run, you save money shopping there, just buying 4 items (one pack of ground beef, one package of toilet paper, one package of shampoo and one package of green beans might cost $30). Whereas for $30 at a regular store, I can get about 15 different items. So every once in a while, I will stock up on a few items from BJ's but I can't afford to go there often.
A few months ago, when I started really paying attention to my finances, I went to the 3 local grocery stores and wrote down the prices of every item that I might possibly buy to compare prices at the 3 stores. I did that each week for a month. I learned that one of the stores was always cheaper, so I only shop at that store now. It's been a few months, maybe I should compare the prices at the stores again just to make sure this store is still overall the cheapest.
I also clipped coupons for a while and compared the price of the couponed item with the store brand and found that the store brand price was always cheaper, so I stopped bothering with coupons and make sure to buy the store brand. I do, however, use the store's coupons they have for their brand items.
My parents are never late and never pay late, so I can't rack it in on late fees. One of my daycare parents has mentioned a couple of times that she has to take her child back to work with her for the evening when she has picked him up. So tonight, when she said that he had to go back to work with him, I told her that for an extra fee, I will watch him into the evenings until she gets off work if she will just call me during the day to let me know she has to work late. She doesn't know ahead of time when she will have to work late, so it's not a schedule or set amount of extra income each week, but it will be something even though it will be sporadic.
I've never cooked dried beans. I will have to look up recipes. I am on the food program which reimburses me for feeding the children. I have to provide a properly balanced meal. But in the past few months, I have learned to cook much cheaper, yet healthy meals.
I don't know what a co-op grocery store is. But we do have bulk grocery stores like Costco and BJ's Wholesale Club. They sell items in bulk which makes the individual item cheaper (for example, 3 bottles of shampoo sold as one item for $6 instead of buying each bottle separately for 2.88 which saves .88 per bottle.) I belong to BJ's. I shop there every once in a while when I can get enough money together to buy a few items at $6-$10 per item. Even though in the long run, you save money shopping there, just buying 4 items (one pack of ground beef, one package of toilet paper, one package of shampoo and one package of green beans might cost $30). Whereas for $30 at a regular store, I can get about 15 different items. So every once in a while, I will stock up on a few items from BJ's but I can't afford to go there often.
A few months ago, when I started really paying attention to my finances, I went to the 3 local grocery stores and wrote down the prices of every item that I might possibly buy to compare prices at the 3 stores. I did that each week for a month. I learned that one of the stores was always cheaper, so I only shop at that store now. It's been a few months, maybe I should compare the prices at the stores again just to make sure this store is still overall the cheapest.
I also clipped coupons for a while and compared the price of the couponed item with the store brand and found that the store brand price was always cheaper, so I stopped bothering with coupons and make sure to buy the store brand. I do, however, use the store's coupons they have for their brand items.
You can make all kinds of tasty dishes, from soup to 'refried' beans (which you don't need to fry) to dishes from India. It all depends on which beans you use and how you cook and flavor them. 
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