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Welcome to Saving for Someday

December 31, 2009

Today is my Someday!

Remember when you were a kid and you’d tell your mom or dad ‘Someday I’m going to drive a fancy car’ or ‘When I grow up I’m going to buy a giant TV’? When were you going to get that fancy car? Are you grown up enough to get that giant TV?

Can you think back to your late teens/early 20s when you would page through magazines and dream about the day you could buy the expensive clothes, high-end make up or travel to the places featured? What happened to those dreams?

I think I know what happened. The same that happened to you, happened to me. It happens to the best of us. We start living life on our own and soon realize that these things cost money. Money that we don’t have.

For some, they discovered that little piece of plastic called the credit card. Wow! All of a sudden we could have instant gratification. Then, a few weeks later, the bill arrived. No more eating out. Hello 10 for a dollar ramen soup. That was no fun. If you were able to avoid the allure of credit cards, pat yourself on the back. They are very tempting and most Americans get caught up in the credit cycle early in life.

We’re smart people! Right? Of course we are. But one of the big things we’re never taught — not in high school, not in college, not by our friends or our parents — is how to budget and manage our money. I’ll date myself here when I say that credit cards were not as commonplace when I was growing up as they are now. ATMs weren’t common until the mid-1970s, and even then they had problems. I grew up at a time where if you didn’t have the cash you didn’t buy it. I learned to wait for things or go without.

When I went to college I got my own ATM card and checking account. I knew how to add and subtract to balance my checkbook. What I didn’t know was were all the money was going and why I was often finding myself at zero. I didn’t know how to make a budget. I didn’t know I was supposed to remember that the water bill would come due on the 12th even though I got paid on the 1st and 15th. I didn’t know that it would matter what I spent at the grocery store if I went the same day I got paid and had what I thought was a HUGE balance.

But, like you, I was smart. I was taking finance classes. I took basic accounting. I knew how to make a balance sheet and an income statement. But, in the real world of my everyday bike-riding college student life I may as well have been taking Greek. None of that seemed to apply to managing my money. Nope, in college they don’t teach you about personal financial management. Somehow you’re just supposed to know it.

One of the most important things about being a grown up – managing your finances – has been left to happenstance. At least now there is the internet! But, still, there is a hodgepodge of information about how to manage your money. And, little of it is consistent. You can go to one site and the Guru tells you to save 6 months salary. At another website you’re told you can’t go on vacation if you have credit card debt. Sure, each of these Gurus has their own program you can buy in to so you can retire rich. But, they still don’t tell us how to make savings real and tangible without having to sacrificing everything.

I am not, by any stretch of the imagination, a financial genius. I am not a financial planner, a debt counselor or anything like that. What I am is a mom who has decided that enough is enough. I don’t want to be spoken to like I’m an idiot because I haven’t put away X% of our income to fund college or retirement. I don’t want to feel bad because I want to go on vacation but according to someones plan I’m not allowed to because I don’t have tens of thousand of dollars in the bank.

I have figured out that you can make small changes today so you can have the freedom tomorrow. And I want to share what I have learned with you. Saving money is great, but you have to know why you are saving. You have to have a goal. And your goal has to be realistic and attainable. If not, you’ll give up because you’ll never see progress.

The Chinese Taoist philospher Lao Tzu said ‘A journey of a thousand miles must begin with a single step”. You’ve probably heard it before, and I apologize if it seems trite. But, it is very true. You have to take some positive action to get to your goal. But just like a baby learning how to walk, if you do it with small steps and are consistent in your effort soon you will be at ease with your new ability.

So, if you’re ready to begin Saving Today for Freedom Tomorrow let’s get going! Tell me what you are saving for or how you want to create tangible savings so that you can have the life you always dreamed of having.

Again, welcome to my blog — Saving for Someday — and I look forward to sharing real information that you can put to use immediately. May 2010 be the year of change that you have been wanting!

January 2010 Coupon Book at Walgreens

December 30, 2009

Let your Someday begin today!

Start planning for your 2010 savings.  The January 2010 coupon books are in Walgreens stores now! You can likely find them at the front of the store by the weekly ad circulars. The booklet (pictured above – this is a flattened version so you can see the front and back) reads “Start here for a new you! Over $400 in savings inside.” All coupons are Walgreens Instant Value Coupons (IVCs) which means they can be combined with manufacturer coupons. All the coupons are good through January 30th, 2010.  To use these coupons you do not need to clip them from the booklet.  Just bring the booklet with you and mark the pages you want to use.  That way, if you want to do the deal multiple times during January you only have to use one book.

The coupons in this booklet are:

  • $2/1 Walgreens Super Probiotic 30 ct or Fiber and Probiotic 1 B 120 ct
  • $1/1 Walgreens Daily Fiber & Probiotic 28 ct
  • $5/1 Colonaide 14 pack
  • $3/1 Women’s One Multivitamin 50 ct
  • $2/1 Walgreens A thru Z Cardio 60 ct
  • $3/1 Walgreens A thru Z Select 220 ct or Multivitamins 250 ct
  • $2/1 Walgreens Calcium Soft Chews 60 ct
  • $3/1 Walgreens Energy Booster 36 ct, One Daily Energy 18 ct, Calcium Creamies 75 ct or Finest Natural Glucosamine Chondroitin 30ct
  • $3/1 Walgreens Gold Seal D Vitamin 1000 mg 400 ct
  • $3/1 Posture-D Calcium 600 mg 60 ct
  • $3/1 NeoCell Super Collagen+C 120 ct
  • $3/1 Enzymatic Acidophilus Pearls 30 ct
  • $5/1 Ferro-Sequels 100 ct
  • $3/1 Slow-Mag 60 ct or Slow-FE 60 or 90 ct
  • $2/1 Slow-Niacin 500 or 750 mg 100 ct
  • $3/1 Bifera Iron Supplement 30 ct
  • $3/1 Blaine MagOx 400 Supplements 60 ct
  • $3/1 Garlique 60 ct
  • $3/1 Liverite Liver Aid 90 ct (includes 30 Free)
  • $20/1 Focus Factor 60 ct
  • $2/1 Bausch & Lomb Ocuvite or PreserVision Eye Care 50 to 240 ct
  • $5/1 Remifemin Menopaus Tablets 120 ct
  • $10/1 Extenze 30 tablets
  • $5/1 Libido-Max Liquid Gelcaps 75 ct
  • $2/1 Elations Cranberry Apple 6 ct 8 oz each
  • $1/1 Tums Dual Action 25 or 50 ct
  • $3/1 Cardiostat Omega-3 Fish Oil Softcaps 60 ct
  • $5/1 Ameal BP Capsules 60 ct
  • $5/1 Whole Body Cleanse Kit
  • $5/1 Evercleanse 3 Step Detoxifier System
  • $5/1 Finest Natural Glucosamine Chondroitin 180 or 240 ct
  • $3/1 Finest Natural Organics 30 or 60 ct
  • $3/1 Finest Natural Cranberry Chews 30 ct
  • $1/1 Off Sustenex 30 ct or Digestive Advantage 32 ct
  • $2/1 Phazyme 12 ct, Tagamet 30 ct or Gaviscon 100 ct
  • $4/1 Benefiber: 28 ct Stick Pack, 48 to 62 dose, 100 ct Chewable
  • $2/1 Gas-X Chewables or Softgels 48 to 72 ct
  • $1/1 Sea Band Anti-Nausea Ginger Chewing Gum 24 ct
  • $3/1 Sominex Maximum Strength 16 ct
  • $3/1 Vivarin Caffeine Alertness Aid 40 ct$2/1 Chaser Plus 40 ct
  • $5/1 Sinus Buster Nasal Spray .68 oz
  • $3/1 Breathe Right Kids Nasal Strips 12 ct
  • $2/1 Coldcalm 60 ct or Oscillococcinum Natural Flu Relief 6 ct
  • $1/1 W Vitamin C or Organic Lip Balm .15 oz
  • $1/1 Chap Aid Original or Cherry Lip Balm 3 pack
  • $2/1 Genteal Eye Care
  • $2/1 Similasan Eye or Ear Drops
  • $5/1 At Home 12 Panel Drug Test
  • $5/1 Omron Hip Pedometer
  • $10/1 Walgreens Nicotine Gum 160 or 170 ct, Lozenges 108 ct 2mg or 4mg
  • $5/1 Walgreens Nicotine Patch 14 ct 7.14 or 21 mg, Gum 100 or 110 pack 2 or 4 mg, Lozenges 72 ct 2 or 4 mg
  • 50¢/1 Off Walgreens Nutritional Drink 6 ct 8 oz each
  • $1/1 One Touch Ultra Soft Lancets 100 pack
  • $30/1 One Touch Ultra 2 Kit
  • $35/1 One Touch UltraSmart Kit
  • $15/1 Walgreens Automatic Blood Pressure Monitor
  • $20/1 Walgreens By Homedics Automatic Wrist or Ultra Deluxe Blood Pressure Monitor
  • $15/1 Walgreens Manual Inflate Blood Pressure Monitor
  • $5/1 Spectrum DHA Toddler Liquid 1.8 oz
  • $1/1 PediaSure 6 ct 8 oz each
  • $2/1 Humphreys Teething Strips 18 pack or Tablets 135 ct
  • $1/1 Little Tikes Baby Accessories
  • $1/1 Hyland’s Teething Tablets 125 ct
  • $5/1 Walgreens Certainty Underwear 28 to 40 ct
  • $3/1 RepHresh Pro-B 30 ct or Vaginal Gel 4 pack .18 oz each
  • $3/1 Schick Quattro Cartridges 8 ct
  • $3/2 Bic Razors Comfort 3 4 pack or Soleil 3 or 4 pack
  • $10/1 Norelco Razor 7310, 6940LC or HS8420
  • $1/1 Men’s Zone 6 Blade Razor System or Cartridges 4 pack
  • $5/1 Wahl Grooming Lithium Ion All In One, Groomsman Trimmer or 14 piece Styling Kit
  • $2/1 HerbaShine Hair Color
  • $3/1 L’Oreal Preference or Couleur Experte Hair Color
  • $5/1 LiceFree! Lice Treatment 2ct 4 oz
  • $10/1 Rogaine 3 pack 2% for women or 5% for men
  • $3/1 Revlon Age Defyling Foundation 1 oz or Concealer .04 oz
  • $3/1 Revlon Cream Gloss .04 oz
  • $2/1 W Skin Oil Treatment 4.2 oz
  • $10/1 Aquafresh White Trays 14 pack
  • $1/1 Diabeti-Derm Foot Rejuvenating Cream 4 oz or Multi-Betic Vitamins 60 ct
  • 50¢/1 Dentemp One Step Filling Mix or Recapit Cement 1 gm
  • $3/1 Biotene Toothpaste 4.5 oz, Mouthwash 16 oz, Mouth Spray 1.5 oz or Oral Balance Dry Mouth Moisturizer 1.5 oz
  • $2/1 Rayovac Hearing Aid Battery 10, 13, 312 or 675 8 pack
  • $1/1 Russsell Stover Chocolate 11.5 or 12 oz
  • $1/2 Life Savers 6.25 to 7.7 oz
  • $1/2 Reese’s or Hershey’s Pieces 10 or 10.5 oz
  • $1/2 Planters Trail Mix 6 oz
  • $1/2 Cadbury, Hershey’s or Kit Kat Chocolate 2.5 to 4.5 oz
  • $1/2 Lindt Lindor Truffles 5.1 oz
  • $1/2 Hershey’s or Reese’s Sugar Free Candy 3 oz
  • $1/2 M&M’s Valentine’s Candy 12.6 oz
  • $1/2 Hershey’s or Reese’s Valentine’s Candy 8 or 8.5 oz
  • $5/1 Off Sandisk 4 GB SDHC Card
  • $2/1 Off W Photo 35mm Single-Use Camera with Flash 81 exp 3 pack