Bulk Purchases: If you are concern with food pricing raising buying in bulk was always the smartest move to make.  When I hear people say buy all you can while the prices are still low, is true to a certain extent. However, when your goods run out wouldn’t you be buying these same things again at the inflated price? That’s why bulk purchases make better sense. Let me explain, when you buy 20 lbs. of rice depending on your household size that can last you at least 3 months or more, instead of buying a bunch of bags of rice every time you go to the store. Buying multiple things of the same things add up and will cost you more in the long run. Moreover, buying in bulk allows you store items for years to come, saving you tons of money and trips to the store. It’s also is a great way to save space, instead of having dozens of can goods, packages, you can have lbs. of different foods in buckets and put out only what you think you need for the month.  

Buy Ingredients in Bulk & Make It Yourself: For instance, have you open your pantry and see how much products, boxes, cans all from various companies you have? We are a people of consumers rather than producers. It actually will cost you less if you simply purchase the ingredients in bulk and make it on your own. For one, you know you will not be putting a bunch of chemicals in your food, like many companies do. Take a look into your pantry and read the ingredients the majority will have some type of chemical in them. When you make your own, not only are you saving money, but you will also eat healthier. Many of us come down on the government on what they allow in our foods, but the corporations are just as guilty, even more because they are the one creating them and getting rich off of you. Buying pre-made products are costly, and unhealthy. You are just paying a costly price for convenience. I found everything I made myself was healthier and tasted way better. Take inventory and look at what you can purchase the ingredients yourself and start making it yourself . There are tons of wonderful people online showing how to make them for free. 

Have Alternative/ Other Options: Believe it or not, you actually always have a choice and alternatives are available to you, even if you can’t think of any. When I watch people in what is consider third world countries, they always created alternative, they never sit there and operate like other options don’t exist. If they can’t built a house with lumber, they built it with mud. There’s always alternative, you just have to be a thinker and be creative. For example, gas is high in some areas, are you able to bike to where you need to go, or get a scooter? Can you get your groceries delivered to your home instead of driving to several supermarkets to get things? You have options.  

Stop Spending Money on Unnecessary & No Value Items: I know shopping is fun, but it also not free. We acquire a lot of things over the years and many are just statues in the home, because you don’t even use them or wear them. Just stop it, before you purchase any more things, ask yourself what value will this bring to me? If there is an emergency can this item help me? You don’t need another cell phone if the one you have is perfectly fine. You know that saying, “ If it’s not broken, then don’t fix it,” live by it. Many people are too busy trying to keep up with others, by following the crowd that has to have the latest this and that, when what you really should be doing, is minding your own business and keeping your house in order. 

Get out of Debt-Save and Invest: I will just group these all in one. I know mortgages and student loan debts can take longer to come out of, so the debt I’m talking about is credit card debt, you really don’t need them. Think about it this way, every month you are making someone else rich instead of paying yourself. If you like to make payments every month, why not create automatic withdrawals from your checking account to a savings account instead of giving your money away to credit card companies. Credit card debts are truly the worst debt to have and for many an unending burden. All these credit companies have the power to ruin your credit report and it all takes is one missed payment, one over the limit purchase and they will be quick to report you and lower your score, why give anyone that much power? If you really want something just save for it and purchase yourself with cash. Now you know you don’t owe anyone at the end of the month. I previously blog about this here: https://themillyj.wpcomstaging.com/advice/setting-thine-house-in-order-financial-health/ 

Keep putting money away in your emergency account. I know many are saying don’t keep money in the banks, however, this is still a safe method to store money. Keeping large amount of cash in the house is not safe, there are could be a fire, as we see many of those in the Westcoast, a tornado, and God forbid a robbery. Putting all your money in bitcoin is not safe, especially when this system relies heavily on the internet, when the grid can go down at any time. Most banks still provide FDIC, meaning you money will be insured up to a certain amount, some as high as $250,000. You can also save in multiple ways, money market, CD’s (Certificate of Deposit), U.S. Bonds, saving bonds, etc., you have so many options.  

Keep Investing or start investing, whether that is in real estate, stock market, gold, silver, commodities, do something.  You don’t need a million dollars to start and this is what keeps many from doing anything. Some people are really waiting for some large amount of money to come to them before they do anything, that is not wise. There are some gold/silver companies that are allowing people to make automatic investment, you can start as little as $100 dollars a month or less, and start purchasing some metals and increase the amount as things change for you. If you start now, regardless of what is going in the world, you will thank yourself later. Learn about compound interest investments, dividend paying stocks, read about the markets, understand the direction the world is going into, with solar, that is a great area to start investing. Learn to pay yourself first and invest in yourself and future.  

I felt I type an arm full 😊 I hope this helps, I know this is common sense to some but it may be foreign to someone else, or maybe a simple remainder of what you wanted to do.  

~Blessings from Milly J 

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