Posts Tagged ‘spending’

Its not worth it!

Its not worth it!

I saw a post on Twitter the other day saying, “Why does it always come down to money?”

But the tweeter had a point. Because nearly everything in life eventually hinges on money and/or the lack thereof. Whether its a question of taking a vacation with the kids, remodeling or repairing your home, feeding your families, or putting gas in your car, it boils down to the almighty dollar.

It’s been said often enough, “Money makes the world go around.” Society and cultures all around the world revolve around a currency system of some kind. If its not paper and coin money or credit, then its a system of barter and trade. There is no free anything. Something of value is always taken from one source and given to another.

Unquestionably, the world and society as we know it does revolve around money (in one form or another).

I am reminded of the bible passage that says, “It is easier for a camel to pass through the eye of a needle, than for a rich man to enter into the kingdom of Heaven.”

Truth is that it is just as easy to develop an obsession with money from the absence of it, as it is from an excess. People who never have enough money always want more and think about what they would do if they had it. People with excessive amounts of money don’t want to be parted with it. With the exception of lottery winners and random acts of chance, most wealthy people became that way because they understand the real value of the dollar and are loathe to spend it.

They may nickel and dime the rest of us to death, but it explains how the real path to wealth is paved: through the appreciation for the value of saving and the willpower to do so.


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Who reads receipts anyway?

I can’t tell you how many times I have gone shopping at the grocery store and told them to toss the receipt.

To me, a receipt was nothing more than extra paper to be thrown away later.  I didn’t want to bother.  As for checking the receipt, who had time for that? I already knew what I’d bought, so why look at it again.

Reality check!

I know, even I am slack jawed at my own naiveté!  It is almost painful to think how unblissfully ignorant I have been when it comes to finances and frugality.  But this morning I had a real wake up call in “the value of keeping receipts” department!

On my way to work I stopped at the grocery store to buy a couple last minute things for the day. I picked up a yogurt cup, a bottle of juice, a snack bag of pretzels, and a lunchable. I was paying with a debit card and in my haste, I never even looked at the cost of the groceries! I just swiped the card, grabbed the bag with receipt inside, and walked out.


Once I got to work, I took a minute to log onto my bank account to check the numbers and balance my checkbook.  Low and behold, it was then that I saw a charge from the grocery store for $14.62. WTF?

Since when should it cost over $14 dollars for one of each: yogurt, juice, pretzels and a lunchable?  Since never!   Breaking with my own tradition, I fished the receipt out of my bag to double check.  And this is what I saw:

The “clincher” was that this particular store doesn’t give you cash back on purchases with a debit card ~ ever! I knew the cashier hadn’t given me anything but the groceries and a receipt.  No money that is for sure.

Lessons learned

Thankfully they were nice about it and refunded me the extra I’d been charged. But what if I hadn’t looked? If I had waited two or three days to check my bank account and balance the checkbook, I would have seen the $14 charge and never questioned it. I would not have remembered what I bought at the time, and I would have assumed it was right! I wouldn’t have double checked the numbers on the receipt that’s for sure.


I am a receipt slacker no more! I have been transformed.  Never again will I casually toss the receipts without a second thought, nor will I hastily agree to pay whatever number the cashier says without doing my own mental calculation.  I have joined the world of receipt checking adults everywhere who prefer not to lose anymore money than they already have too, thanks to overpriced goods. (But that is the stuff for another article.)

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