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The Nat Pack: The super fashionable, super mod, super hip family consisting of Nat, Pete, Jakob, Brock, Troy, and Ivy. Like The Rat Pack, only younger, cuter, and not as rich or famous.

Friday, July 2, 2010

Vampires, Wrecks, Money, and Blessings

Vampires.


No, I'm not talking about these vampires.


Nope, not these guys either.



I'm talking about these vampires. You know, the people that only come out in the early morning or late at night. They aren't searching for blood, but for good deals. They aren't armed with venom and sparkly skin, but with binders. Binders full of coupons. Coupons that can get them cheap stuff, or even stuff for free.



I've been bitten by the coupon bug. And I like it. I think I might be addicted. I talked about this bug briefly in this post. And I must say, it's been going really well. I haven't necessarily taken money out of my bottom line yet, but I have been getting way more stuff for that same amount of money. And my heart does a little leap of joy.

The habits of the coupons ladies, I have discovered, is that they shop early in the morning, or late at night. I've joined those ranks, mostly because I stand in the aisle of the grocery store doing math in my head, and pulling coupons out of my binder, and arranging my groceries into transactions in my cart. And I don't want too many people staring. (Yes, there are times and stores when you have to do more than one transaction. I never would have thought that I'd be the type to run to two different Albertsons, just to find some cereal.)

So yes, it's a lot different than how I used to shop even two months ago. But it's been paying off. I've even gotten some stuff for free.
And, in general, I've saved 50-ish% on my groceries. (Well, right now, like I said, I'm spending about the same. So I guess you could say instead I'm getting twice as much stuff.)


Wrecks.

Sad to say, today while I was leaving Albertsons, and heading to Walgreens and then Smiths in my quest for cheap grocery items, I got in a wreck. Not a huge one-we were in the parking lot. But the lady hit me in just such a way as to make my car immovable: she T-boned my front passenger wheel. I don't know for sure yet, but it looks like we might have to get an axle replaced. YAY for expensive car repairs! Oh, and we're down to one car for the next who-knows-how-long, because our insurance doesn't cover car rental, and there's no way that I'm going to spend $50 a day on car rental. Because that's not a racket.


Money.

However. I read this awesome book called The Total Money Makeover by Dave Ramsey. This is an awesome read for anyone and everyone. I loved reading it, and not just because I'm into finance stuff. He had some really interesting statistics and great stories. Basically, he sets out an order of things to do with your money-baby steps, if you will. And because I had started doing the baby steps, we have enough money set aside to cover our car insurance deductible in what is called...wait for it...an emergency fund. Imagine that. Not that I'm looking forward to having that money leave us, but at least it's there, for this very scenario. I think I might have to write Dave a thank you note or something.


Blessings.

Now, even though I got in a wreck, (and let's be honest, who would want to get in a wreck?), I'm glad for several things that at least have occurred to me.

1) I'm glad I was alone, and not in a wreck with my kids in the car with me.

2) We were in a parking lot. No one was hurt. I had even felt prompted to pray last night really hard that we would all be safe. And I think that that's why this wreck was not a big deal-my Heavenly Father was looking out for me.

3) My dad came and got me. I have awesome parents.

4) I realized that I have so very much, including a car that gets to get repaired.

5) I have been feeling prompted, to the point of overwhelming pushing, that I need to get our finances in order. This feeling even started before reading that book, but it's been at the forefront of my mind for a while now. And I'm so very glad, because if I hadn't been feeling that way, we absolutely would not have had money sitting in the bank for emergencies. (Stupid, I know, especially for someone that graduated in finance.) The company for which Pete works has a contract at the Site, and in May 2012 that contract ends; we have no idea at that point whether things will dramatically change for us or whether things will stay the same. I don't know if that's why I've been pushed, or if there is something else in our future that is coming our way that we need to be ready for. But I'm so grateful for being pushed to save, and pushed to be smart with our money.

And for being pushed to become a "vampire".

5 comments:

megan said...

I so wish I had your enthusiasm for couponing. I just feel like it's too overwhelming to figure out all the math and deals and do more than one transaction. Plus, I hate getting up early or going out late. LOL That's really great for you thought! I'm so glad you're getting your finances in order. I've been thinking we need to do the same thing.

Karlenn said...

I love your new template.

Ugh, I would hate to have those kinds of promptings. Like, "Something very bad may come soon, and you need to have money." Not a fun prompting. But good for you for having a good attitude and complying with the promptings.

I'm excited to party with you today. It's time for some airbending. :)

And look! I commented! That's what sisters do. They comment on each others' blogs. Wink, wink. :)

Mindy H. said...

I love that, every time I read one of your fabulous posts, I come away not only entertained, but resolved to follow your example to be better in some way. Thanks for that! And for your sweet comment on my meeting post. Feel free to dream about me getting married any time...even if it is in Rigby ;)

jomama said...

you rock. i love the way you found the positive in a bad situation, and that you are so in tune. you're very inspiring to me!

Mosers said...

I am glad you read that book... we loved it! I am currently working evenings at the hospital to help pay off cars and then student loans. It is awesome huh. We read it then put the fund away.. wait for it"as you said" our boys both needed about 6000.00 in hearing aids.. sold stuff and they will soon be paid for :) Love that you are couponing. I need to get back into it again! Great Post Nat!