Buying In Bulk

Posted on September 4th, 2014 by Discount Debbie

almonds

Recently our family has discovered buying in bulk. For us this is a big advantage. When our budget is tight sometimes it helps to have a surplus of food and household goods. The best way for us to inexpensively build that surplus is to buy in bulk.

Shop Around

Some buy in bulk places cost more than others. Some are online with free shipping and will even get your order together for pick up. Some include basic packages as well as premium memberships. Some are as inexpensive as $45. Others cost $100 to join. Know if you want to include pharmacy perks, or if you want to add other people to the membership. While these perks are nice they may not be what you need.

Price Check and How Much

When buying in bulk check your prices. The object of buying in bulk is to get a large amount of what you want for a bargain price. Some bulk items could be a large amount for a bargain price. At the same time your product may be coming in a size that you won’t use. On the other hand you want to make sure you’re getting a quantity that you feel is worth the quality. The best way to do this is to take a calculator with you to break down what the price would be for individual units of your product. It also helps to research the price your product would be originally. Also know when to limit what you are buying. You will most likely never have too much toilet paper. The same can’t be said for eggs.

Don’t Buy What You Won’t Use

When you are just beginning with the idea of buying items in bulk sometimes you focus on the savings and not the product you are buying. This can result in you buying things that your family doesn’t eat or won’t use. It’s best to stick to the items that you know your family has used in the past.

What are your favorite items to buy in bulk?


Caution When Loaning Money

Posted on April 17th, 2014 by Discount Debbie

money

We all share our money from time to time. Sometimes we share more than we should. Sometimes we share with those that would take advantage of us. It can be difficult to deny help to those we care about, but it can also be difficult when we lend more than we can really afford to write off. How do we balance our needs and the needs of our friends? Here are a few tips.

Ask For Their Budget

If you are going to be helping a friend or family member financially it can be awkward asking them about their budget. Instead ask what they need the money for. Your friends may view what a need is differently than you and your family. It’s okay to find out if you are keeping their Netflix subscription active when dipping into the grocery money to help them. If you find that their need isn’t really a need, you don’t need to justify not lending them money. Simply say that you wish you could help but that your budget is tight as well.

Buy It Personally

When you have a friend or family member that may not spend your money as they have said they would, but have a valid reason to ask, consider making the payment or purchase personally. For example, if  a sibling claims to need diaper money, but you know that diaper money has gone to something else in the past, don’t give them money. Buy them diapers. Should they have a bill that needs to be paid, pay it online for them personally, rather than putting money into their account.

CYA

Military members are familiar with this acronym. In this case we’ll say it means cover your assets. Do not leave your account information on  a friends computer. Do not give them access to your credit card information. While all of us would like to believe a family member or friend is trustworthy, it is better to be safe with your assets than proven wrong.

Payback

When financial help is not a gift set a specific day that you expect the money to be paid back. Do not loan more money to the same friend unless previous loans have been paid back. Remember, you have a budget that you need to live with as well. It’s not mean to say no, it’s caring for your needs and your family’s needs first.


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