Friday, July 25, 2014

What do I do on payday towards prepping?

It's Friday! I'm off & it is payday...
What do I do on payday towards prepping?
I mostly deal with a cash envelope system in my life.
On payday, first I check my account (direct deposit) and see how much I received in my paycheck. I am am hourly employee, so this changes. I jot down the amounts.

SHOPPING CARTS: Between paydays, I add items to my Amazon & Walmart shopping carts. On payday I just review my carts & then purchase. I will add things I need or that are next on my list of items to purchase for preparing.

(Photo credit gojiggy)

USE ONE, BUY TWO: When I use up a regular item & pull one from my stock, I add two to my shopping cart(s). For example today my shopping cart has 2 of each of the following: deodorant, toilet paper, chili powder, toothpaste & cotton swabs. Honestly by now, I barely even think of this back stocking. It is just a habit, I really don't consider this part of my prepping $$.

After I make my online purchases, I recheck my balances, take my shower, I hop in the car and head out to the bank. I withdraw most of my money out of my account (restricted by their cash limits), to take home and divide up among my envelopes. If I happen to need to go to the grocery store, I will do that and get an additional $100 of cash. My goal is to get as much cash out of my account s possible.

For Walmart I actually go through a service called I can get 3-5% back on purchases. This takes awhile to accumulate. But for me, every little bit helps. About having my information out there; unfortunately that boat sailed a long time ago. I will be reevaluating this after I move.

For Amazon I save in a couple ways.
I actually have an Amazon credit card (the only card I own). You also get cash back from that. As soon as I purchase something, I immediately go to my banking account and pay that amount off. I never have a balance on the card.
I also save by having Amazon Prime. Honestly the only thing I care about is the free two day shipping. It has come in really handy when I needed items really quickly (like, oops :D a birthday party)
They have two free trails running all the time. One for students (½ price) and one regular.

Also I have an associates account with Amazon. I receive a small commission when people purchase items that I recommend. I only post things I am confident in and actually remove items if I don't like them. Since I don't receive the commission on my own purchases, I actually gift them to another blogger.

Then I start the rest of my weekend list of things to do. Sunday I will be sharing another older post with more details on how I manage the cash system, taking challenges and goal setting.

As always, if you found your way here from another location, please feel free to like Perky Prepping Gramma on facebook. Thanks, ~Perky~

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