#SavingMadeSimple Wrap up Post

As many of you know I recently took part in the Saving Made Simple financial challenge. The challenge was to be completed a month and use the tips from Gail Vaz-Oxlade and her book Money Rules. For my family it was not hard to do. We already live on a budget and do not use credit. I collect coupons and watch stores for sales and deals. We do not live beyond our means at all. For us to make a purchase or go on a vacation we save and find other sources of money. Work extra hours or save on parts of our budget. But still I was able to learn quite a bit being part of the challenge. 

Rule #179 ATMs are not wallets 

When you use other bank machines you pay a fee and your bank charges you a fee. My boys both have youth accounts through BMO. I like this no fee banking because they can not use debit machines other than the BMO. They also can not use interact. This cuts out the urge to impulse shop and gives them opportunity to see if they actually need what they are wanting to buy. 

Rule #246 Fend off Retailer Influences

I am bad for running onto the store for one item and coming out with $100 worth of stuff. I have started sticking to a shopping list and not giving into temptation. 

Rule 252 You’re allowed to say no

After taking on more than I could handle when I first became a working mom, I learned this rule for myself. Saying NO is not a bad thing. But so many people have a hard time doing it. They say yes then live with regret.  Have you ever bought groceries and had the cashier ask you if you wanted to donate to XYZ cause? I always politely say no and that is the end of it. Then I started noticing others saying yes. But not like they want to. Like they feel they have to. The cashier doe snot care if you say no. They are just doing their job and asking. They see hundreds of people a day. They do not expect all to donate. Those who can, do. Those who can not, do not need to feel guilty for saying no. we all have causes we support in some way. For me financial donations are not possible but I do donate my blog or my time. Do not feel you need to explain this. A few dollars here and there really adds up. 

These are just a few of the rules in Gail’s new book Money Rules. ‘Rule your money or your money will rule you’ 

Disclosure: I am a P&Gmom/mamanP&G. As part of my affiliation with this group I receive products and special access to P&G events and opportunities. The opinions on this blog are my own.


  1. I'm bad for running into stores with me list and then seeing something I "need' (more like "want" or think my son will "like"). It's something I need to work out.

    I have noticed that Safeway no longer asks me to donate, but beside their debit machine they have slips that say "add $2 to my total to donate to XYZ". I love that idea, I no longer feel guilty when they ask and I say no.
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  2. I am like you Kim, I constantly say okay here's the budget $100 for groceries and end up paying double that because I see things. I need to stick to a shopping list. I also need to learn to say no as well. It's like you feel guilty saying no, when honestly we earn our money and work for it, we should be able to spend it how we want. Great tips!
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  3. These are great tips! I am a lot like you. I go in for one thing and come out with twice the stash. My tip is to send DH. He will only buy what I say and nothing more. I love the idea of the BMO bank card.
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  4. Maya Fitz says

    I love that your boys can't withdraw from any other ATM machine. I know I'm at fault from withdrawing not from my bank's account on some occasions. While it's only $1.50 per pop, it can quickly add up. I also love your tip about sticking to a list. I'm terrible at that, especially when I go grocery shopping. I love walking up and down the aisles and looking for things that aren't on my list. Thanks for sharing.

  5. thriftymommagogo says

    Oh Kim this is so true. It's like the extra warranty that many places sell. They pitch and try to cajole but you don't have to say yes especially if it means saving money. I am all about saying no thanks and then I just don't need that. Or I will take my chances. Also I am not above saying – no thanks put that back, or I need to stop there. That's my limit to the cashier. They usually understand that. Or yesterday the Superstore cashier said do you want our deal of the day – and I have already paid for that item that was in a bag at checkout so I told her sure – but let's remove this batch of regular priced Q-Tips and replace then with your small sized deal of the day. No worries. It's my money and I am not above being thrifty with it or saying No.
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