Jill Russo Foster

Tips for Successful Personal Finances

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Saving money daily – discounts

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I love getting a discount.  Don’t you?

When we grocery shop, we use coupons, meal plan and shop the sales.  We eat healthy with any organic products, so there aren’t as many coupons as in the past.  Yes, items do go on sale, but it can still be expensive.

Our grocery store gives us gas points.  For every dollar we spend, we get points – 100 points is 10¢ off per gallon.  Last weekend we saved 90¢ per gallon.  That certainly helps our budget and can helpful to you.

Are you getting all the rewards possible? Learn more on discounts and rewards.

Saving money daily – eliminating expenses

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What are the things you are willing to do without or do differently?

In our household, we do our own yardwork and save by not having to pay for a lawn or snowplowing service.  The trade off is that it takes time to do these tasks and we had to purchase the lawn mower, weed wacker and snow blower.  This can be a big initial expense.  But, we don’t have monthly bills.

Our town has private trash collectors, that’s another monthly bill.  We take our own trash to the transfer station and eliminated that bill years ago.

What are you willing to do or doing that have helped your finances?

For more tips, please visit my website.

Saving money daily – our garden

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As far as I can remember back, my family has always had a garden.

Ours in smaller, but we grow what we need.  Ever spring we start with herbs in a flower box, just outside the back door.  This year is rosemary, parsley, basil and cilantro.  You can start from seed or buy the plants all for a minimal amount of money and have fresh herbs all summer long.  When the weather turns colder, we will freeze the remaining herb for later in the year.

Our garden has tomatoes, lettuce, cucumbers, squash, broccoli, peppers, kale and more.  There is nothing better than to be able to walk out into the yard and pick what you want for dinner.

Everything we grow is that much less that we buy at the store.  As August arrives, everything is starting to be ready to pick.  This saves money each and every trip to the grocery store.

For more money saving tips, follow me on social media Facebook, Twitter, Linked In and my website.

Spring Cleaning Your Finances

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Spring is a great time of year! One of my favorites, as the weather turns warmer and the days are longer. For us, it means more time outside and that can be from getting my garden planted and the thrill of fresh vegetables right in my backyard, to having meals outside; either just us or with friends and family. We can open the windows to air out the winter stale indoor air and sleep comfortably with the windows open all night. It means exploring the outdoors, maybe taking a walk in a new neighborhood or park, picnics and movies in the park.

With spring comes weddings and graduations – new beginnings. This can be true for all of us, even if we don’t have a milestone event coming up.

Traditionally, spring makes me think of spring cleaning and tackling the heavier cleaning throughout the house. We can do the same for our finances.  For the graduate, you can start them off with the gift of good finances – being able to start to plan their money and finance proactively and make planned purchases versus impulse buying. A great way to start would be the gift of my book, Cash Credit and Your Finances: The Teen Years.

For those who want to get your own finances back on track, 111 Ways to Save or Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day will give you the push you need to get your finances in order.

You can order my books through my website or by order form. If you use the order form, you have the option of me personalizing the book. Just print the order form, fill out the recipient information section, and mail it to the address on the form or fax it to 203-504-7995. For the month of June 2017, we are also offering free shipping on all book sales that are ordered with the order form via mail or fax.

Click here to download the order form.

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