This darn unpaid medical leave from work has made me re-work what I use the money for. Right now it's being saved to for things my son needs for his first year of kindergarten (supplies, uniform). And we just realized that he's about to outgrow his car seat so that is sort of going to have to be replaced sooner than we expected (darn 4' tall 5 year old!).

i dont spend it on myself . its a treat for the kids at the end of the month . a little extra to take them to the beach and have a fantastic day out hopefully .....

Harsh times? Well maybe for some of you ,for me CS is just one big saving account.

I whipped my butt black and blue in Saturday.

For i discovered that i for some reason had failed to complete my Daily Checklist Bonus in Friday.

And now i have promised myself to never make that mistake again.

And i will probably be able to keep that promise , because now i think i can not sit down in a week.

RoseGold wrote: @Valerie 0They were the HDX brand and 3 months ago. I still have the extra one , whenever the light comes on to let me know, time to change GE brand cost much more.

Awwww.

You could have got one for a dime.

RoseGold wrote: For a Dime Where might that be

Well, I can't tell you.

In fact, they were selling a slew of them. I even went to look at my filter and wrote it
down but at that time, they werent selling mine. My fridge uses something called
pure source ultra Electrolux.

Are you an Amazon prime member?

valerie wrote:

RoseGold wrote: For a Dime Where might that be

Well, I can't tell you.

In fact, they were selling a slew of them. I even went to look at my filter and wrote it
down but at that time, they werent selling mine. My fridge uses something called
pure source ultra Electrolux.

Are you an Amazon prime member?

Oh I see, Wow! that was a steal of a deal. No I'm not a prime member, but have gotten a couple things from there.

I usually receive any where between 20 to 60 products per day.....free or few things for some cents.

But you have to be a prime member of Amazon or the shipping would eat you up.

I keep trying to save for emergencies but something always comes up. Just last week, my Health Savings Account was a little short and they bounced the payment to my pharmacy. I wrote 2 checks out for a total if $18.10 and had almost $20 in the account but they took out $3.50 maintenance fee before the beginning of next month (I consider that stealing). So, not only did I have to make good on the Rx, I had to pay the pharmacy check fee and probably will get a bill from the #$)#*$#*@* savings account.

I thank the person in the oval office because of ACA, my HSA was no longer allowed. This is not right. They only disallowed only "some" HSA's while allowing others. Still can't find out the reason.

I used to use it for groceries but the costs have gone up so high that I make hubby buy them now.

So I'm starting from scratch again. Maybe I'll have enough saved by the time Christmas rolls around.

valerie wrote: I usually receive any where between 20 to 60 products per day.....free or few things for some cents.

But you have to be a prime member of Amazon or the shipping would eat you up.

Thanks for the info Val. I'll be thinking about this

I am saving to buy a high quality hi-fi sytem. I allready bought 2 speakers with the money I made here.
Now I am working for a good pre-amplifier and end-amplifier.
After that I am going to buy lots of CD's.

I think a few more people that are realizing the free product arena, is
growing since Amazon now offers a month to month prime membership.
In the long run, paying monthly cost more. I did the math one time but
I forget what it was. Maybe about $40 more per year.

It depends on the arena (I am using words that are not necessarily the
words I would use due to posting at this forum) as most will say do not
sell the product on eBay. That does make sense. However, for the most
part you can give away the product or even sell it in a yard sale. Again,
I stress accordingly to terms.

So lets say you get a product for free that has a price of $50. You get
the product free, you do what you're suppose to do and then you put
it away to either wait for your upcoming sale in which you will put a
$20 price tag on it and allow yourself to be bargained down to $15...
OR you give the product as a Christmas gift thereby saving yourself
$50.

Now then, if you're still with me, lets say you are receiving a mere
ten products per day per 5 day week. Equals 50 products per week.
Granted the value of those products are going to be as a norm, mind you,
a few dollars each at the bare minimum and most much more. So
you store the product for say ohhhhhhh lets say 4 months.

4 months of products would according to my math above, be about
800 products.

Still with me?

So now it is yard sale time and you take those 800 products and you
sell them on average of $3 per product. Of course, some products will
be much more worthy of $3 and some less but to keep my math low
for this example that is $3 per 800 product which equals $2,400.

Now then if you have paid Amazon $100 per year (my membership
is actually about $109 per year due to TN tax I suppose) OR you
have paid a monthly fee x4 months....you can do the math on that.

Also, lets not forget to subtract a few dollars too because there are
some products that cost $0.01 on up to perhaps a dollar now and then.
So you'd want to subtract $5 or $10 for those cent items.

So lets just cut that $2,400 down to $2,200 and if you did that every
4 months you would have what.....around $7,000.

However, if you work really hard and you become really good at what
you do, like Valerie you could be making a lot more than
$7,000 per year. In fact, even though it is a lot of work, it is not back
breaking and a person could net $25,000 or more per year.

There's a little more to it but that is the jest of it. I am working on
creating a website explaining how to do this, the steps, etc.

RoseGold wrote: I use mine in case of emergency or if there's something really needed. I had to replace the refrigerator water filter. Got a 2pk for $50.00 at Home Depot. Things do tear up, nothing's built to last long anymore. I have purchased few on sale clothing items. Mostly try to save

Yes, stuff then has the ability to break down all the time , it's almost like i become afraid of the dark times.

True , it feels as if the stuff was better in the past , today they build in a ' timeout ' for how long things should work.

They want to sell us a new product as soon as possible , money, money, money ...

I bought a smartphone (Xiaomi Redmi Note 3) using last month's earnings.

If i get ' skid ' off topic ...

... So i can add that i have 5 referrals that have clicked together $ 5 , which has given me $ 10 extra.

Just to thank and receive.

If it can be something of interest.

But my shoe size , i will ' never ' to reveal.

@Valerie Sounds good Val Thanks

zegon wrote:

RoseGold wrote: I use mine in case of emergency or if there's something really needed. I had to replace the refrigerator water filter. Got a 2pk for $50.00 at Home Depot. Things do tear up, nothing's built to last long anymore. I have purchased few on sale clothing items. Mostly try to save

Yes, stuff then has the ability to break down all the time , it's almost like i become afraid of the dark times.

True , it feels as if the stuff was better in the past , today they build in a ' timeout ' for how long things should work.

They want to sell us a new product as soon as possible , money, money, money ...

It's not like in the past when people were proud to work and proud of whatever work they did.
Products were made much better quality and most products lasted much longer. I don't think
people were in as much as a hurry.

You know, it is kind of strange. Technology was suppose to make life easier. I think the future is
much more complicated than in the past and I think people have less time now than ever before.

valerie wrote:

zegon wrote:

RoseGold wrote: I use mine in case of emergency or if there's something really needed. I had to replace the refrigerator water filter. Got a 2pk for $50.00 at Home Depot. Things do tear up, nothing's built to last long anymore. I have purchased few on sale clothing items. Mostly try to save

Yes, stuff then has the ability to break down all the time , it's almost like i become afraid of the dark times.

True , it feels as if the stuff was better in the past , today they build in a ' timeout ' for how long things should work.

They want to sell us a new product as soon as possible , money, money, money ...

It's not like in the past when people were proud to work and proud of whatever work they did.
Products were made much better quality and most products lasted much longer. I don't think
people were in as much as a hurry.

You know, it is kind of strange. Technology was suppose to make life easier. I think the future is
much more complicated than in the past and I think people have less time now than ever before.

Agree with you completely , has experienced this trend in my spine the past few years.

Sometimes you get surprised by a company that you have always had high regard Before.

In the past i bought exclusively Philips Products , then over the years i had learned that their quality was very high.

The latest Philips products i've purchased has made me disappointed , so now it feels like you do not really need to stick to that particular company anymore.

They cut down on quality to sell more , but the question is whether it is a good business strategy , the one who lives will see.

They have at least temporarily lost me as a customer.