I’m taking a break for a while

Hey everyone,

I wanted to announce that I will be taking a break on this blog for a while.

I have run out of topics to discuss on this blog.

I also would like to spend some more time getting my other blog ready. I will post updates on that as soon as possible.

I also have several holiday events coming up.

I’m also taking a writing class to improve my writing.

I apologize for the break. I need to regroup.

Thank You To All For Reading My Blog. I really appreciate it.

Have A Great Week

Millennial Dude

I shopped for Health Insurance for 2017

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Hey everyone,

This week, I went ahead and got health insurance for 2017 (for health reasons).

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I went to healthcare.gov and filled my information out.

I found a plan that normally costs $300 a month. With a $200 credit, I am only going to pay around $100 a month for the insurance.

Here is more information about that plan:

  • I would have to pay a $1,000 deductible and $1,850 out of pocket for the year
  • I would get generic prescriptions for $10; and brand name prescriptions for $40
  • $35 for doctor’s visits
  • Insurance would pay for 25% of the bill for ER Care and Specialist Doctors
  • It works with local doctors and hospitals

It’s not the best plan, but it’s better than what I paid for before. I’ll accept it.

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Here’s what I will do with health care for 2017:

  • Use the insurance to get a check up and see what I need to do healthwise.
  • Since Trump will be elected, I will see if there are better deals on health insurance later in the year.
  • I will also sign up for a health discount club (to save money on medical expenses).
  • I will do my best to stay healthy next year (by eating right and exercising).

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Please let me know what you think about this. Tell me about your experience with health insurance.

Thank You and Have A Great Weekend

Millennial Dude

 

5 Ways To Save Money On Christmas

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Hey everyone,

The Christmas season is coming up in a few weeks.

I bet many of you are stressing about how you can afford it.

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Here are 5 ways you can save money this Christmas:

  • Plan ahead of time. Make a budget to determine how much you will spend on everything needed for Christmas (and stick to that budget). Create a list of people you have to buy gifts for or give cards to. Figure out the trips you have to take to see family members (and go ahead and get your lodging before it’s gone and you have to pay top dollar for it).

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  • Reuse decorations from last year. This will prevent you from having to buy new decorations at top dollar prices.

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  • Buy your cards in packs at the dollar store. Buying individual cards cost more money than buying them in packs. I paid $5 for a pack of cards compared to paying $5 for one card (at some stores) They won’t be as pretty, but you can make up for that by adding some thought into your writing in the card.

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  • Make baked goodies as gifts. If you buy a regular gift, you won’t know if the person will use it or not. If they don’t use the gift, it becomes a waste of money on your part. You might have been better off making them a dessert they will eat (for half of the price of the cost of a gift).

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  • Do your shopping online. Shopping online will save you money on gas and time as well. If you spend a certain amount of money online, they will give you free shipping. If you use Ebates, you might be able to get a rebate on some of the money you spent on the online stores (depending on the store). They also have coupon codes you can use as well.

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Please let me know what ideas you have for saving money this Christmas.

Please like, subscribe, and share this post with your friends.

Thank You

Millennial Dude

Quick Updates for This Blog

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Hey everyone,

I hope you all had a great weekend.

I wanted to share with you all some quick updates I’m doing.

  • I am in the process of creating another blog. It will debut sometime in January. I will let you all know more about it as it comes along. It will be more about my lifestyle.
  • Organize October is finishing up. I will give you all an update sometime this week on how that is going.
  • I did do some tweaking in my budget. I will share that with you guys sometime in the next two weeks.
  • I will also share some holiday money saving tips throughout this month and next month (so you guys won’t have to spend a fortune this holiday season).
  • I’m still working on being on a set schedule for good.

Thank you all for reading my blog

Millennial Dude

My Grocery Haul for November

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Hey everyone,

How are you all doing today?

I’m doing great.

Glad that the weekend is here.

I went ahead and did my grocery shopping last weekend for October.

I don’t have any pictures for my haul this time because I accidentally deleted them off my camera when I had to get space to take pictures of our most recent Youth Night event.

I apologize about this.

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Here are some deals I scored on:

-Big box of Mott’s fruit snacks for $7.00 again (It goes for $17 as the lowest price on Amazon).

-3 bags of vegetable chips for $5

-Pepperidge farm whole grain bread for $1.20 per loaf

-$1.50 for a jar of Peter Pan peanut butter (I bought 4 of them)

-99 cents for spaghetti sauce in a jar

-50 cents for frozen snack size Mexican food bowls

-98 cent per pound for chicken breasts

-$1.60 for a 3 pound bag of apples

There were a couple of extra deals I scored on but didn’t go towards my grocery budget:

-I bought five 2 liter bottles of Pepsi products at 88 cents each for my church’s youth group

I bought 10 tubes of canned biscuits for $1 per tube. From that, I created 100 biscuits for Youth Night this past Sunday.

-I bought 10 boxes of Christmas cake mix for 59 cents each for Christmas gifts and get- togethers

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How did I do this month?

-I gave myself $100 to spend for this month. I spent $97. So, I was $3 under my budget.

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What meals do I plan on doing this month?

– I plan on doing Mandarin Orange Teriyaki chicken sometime this month.

I would like to do Pineapple Porkchops with Soy Sauce over Rice (This time I put the pork chops in the freezer).

How have you done on groceries so far this month?

Please let me know in the comments below.

If you liked this post, please like, subscribe, and share this post with your friends.

Thank You and Have A Nice Weekend

Millennial Dude

 

 

 

 

My Spending Report Card for October

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Hey everyone,

I hope you all had a great Halloween. I sure did.

As we all know, November has arrived.

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Because of that, I worked on figuring out how much I had spent on expenses from the income I brought in.

I did not use a budget (like I normally would this month) because I switched jobs and am figuring out how much I can budget for each category.

Click on the link below to see how I did:

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Here are my wins for the month:

-I only spent $131 on Utilities. I normally spend around $200 a month in this category. I think it was low this month because I didn’t need to turn on the heater or air conditioner. The weather was just right.

-I only spent $52 in Gas. I normally spend around $80 a month in this category. I didn’t need to go many places last month. I can further this down by only running errands once a week.

Here is my fail for the month:

-I spent $79 on personal needs. I normally spend around $60 a month in that category. I have to quit making as many trips each week to the store to get what I need.

From this analysis, I have created a new budget for November and December:

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Please tell me how October went for you financially.

Let me know if you have any questions.

If you liked this post, please like, subscribe to this blog, and share with your friends.

Thank You and Have A Nice Day

Millennial Dude

 

How did Sell September go?

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Hey everyone,

I hope you all are having a great day today.

I decided to wave the white flag on Sell September.

I couldn’t sell any more items.

Here’s what I sold:

  • I sold a ton of items through a local Facebook auction group and got around $25 total from doing that.
  • I sold one of the DVD sets for $5 at a local Facebook Online Yard Sale Group.

Below are pictures of some of the items I sold:

I made around $30 total.

However, I found another $11 hidden in the glove compartment of my car the day I exchanged the goodies at the meetup place of the local Facebook auction group. I think it was money from a past auction group meetup I didn’t put in the bank.

I am adding that to my total to get $41.

Here’s why my total wasn’t that high:

  • I tried to sell on Ebay but they made me get a new account because I haven’t sold or bought anything on that site for 6 months. Because of that my feedback was zero. Most people will not buy from someone that has zero feedback on there (it’s a trust issue). I didn’t have time to buy anything on there to get my feedback to a positive number.
  • I should have invested in a weighing machine to see how many pounds each item I wanted to sell on Ebay or other non-local niche Facebook groups to get how much shipping would have cost. If I would have known the prices of shipping for those items, I would have had no issue listing them. I would have had a few more items sell through that method.
  • I should have sold some of the items that didn’t sell on the auction group on the yard sale site. I got 5 times more for the DVD set I sold than I would have at the auction group (if it had sold).

Next year, I will spend more time on doing this, do my research, and do everything I can to sell an item that is taking up space in my house.

The items that did not sell will be donated to my church for the yard sale they are having in a couple of weeks.

If you participated in Sell September, please tell me how you did.

If you liked this post, please like, subscribe to my blog, and share this post with your friends.

Thank You and Have A Great Day

Millennial Dude

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Another Finance Blog You Should Check Out

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Hey everyone,

I hope you all had a great week.

Today, I wanted to do something different.

I am going to share with you a personal finance blog I adore. I am sharing this blog with you because I think you might be interested in reading it.

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This blog is called Pro Finance Blog (http://profinanceblog.com/).

It covers the following topics:

  • Personal Finance
  • Money Saving Tips
  • Investing

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The author of this blog is Tina Roth.

Here is more information about her:

  • She is in her 30’s.
  • Tina is married with two kids.
  • She lives in Florida.
  • Her expertise on finances comes from being a financial planner and learning from her own mistakes with finances.
  • She wants to help people be successful with managing their finances wisely.

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Below are reasons why I like reading her blog:

  • I like that the information she gives in each article is very clear. When I read her article on car insurance terminology, she broke it down in terms I understand (http://profinanceblog.com/the-beginners-guide-for-buying-car-insurance.html). My insurance companies have not taken the time to explain car insurance like she does. Now I know what to look for when I shop around for car insurance again.
  • I like that there a lot of articles to read on her blog. Because of this, I won’t be bored when I am on her blog. I like always having something to read.
  • She knows what she is talking about. She knows a lot more information about finances than I do. Compared to her, I’m an amateur.
  • I like that she applies what she has learned from her past mistakes to help others. She writes a post where she tells college students how they can control their finances while they are still in school (http://profinanceblog.com/how-to-manage-your-money-while-studying.html). In the post, she advises students not to spend money on items they don’t need because she stated in her About Me page (http://profinanceblog.com/about-me) that she got into a lot of debt because she did some “impulse shopping”.
  • Her experiences are similar to mine. From the example above, I had financial issues in college because I went on shopping sprees at the mall to get items I didn’t need (and it put a dent on my finances). I wish the article she wrote on her advice with that was posted when I was in college. I would have gotten that issue fixed a lot sooner than I did.

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Here are 6 of my favorite articles from her blog (Keep in mind that some of these articles are guest posts):

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Please go check Pro Finance Blog out and let me know what your thoughts on it are.

If you like her blog, please subscribe to it.

If you liked this post, please like, subscribe to my blog, and share this post with your friends.

Thank You and Have A Great Weekend

Millennial Dude

 

5 Ways To Save Money This Halloween

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Hey everyone,

As many of you know, Halloween is only a few days away.

However, Halloween can put a dent in your budget if you are not careful. It might prevent you from putting money towards Thanksgiving and Christmas.

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Today, I wanted to share with you 5 ways you can save money on Halloween this year.

Here we go:

  • Pay attention to sale flyers this week for Halloween candy. This week many stores are having their Halloween candy on sale because they know they will have a lot of people buying candy (so they can lower their prices a little bit and still make a profit).  When choosing bags of candy, find the one that has the most pieces of candy for the lowest price (usually lesser known brands). I got a bag of 200 pieces of candy for $2 at my local dollar store. They were selling brand name bags of candy with 30 pieces for around $3 to $5.

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  • Consider taking your kids trick-or-treating at a community event. Going to a community event will usually save you money because you’re not wasting gas money driving from neighborhood to neighborhood to get candy. It’s all in one area. Downtown areas and churches usually offer these types of events. Pay attention to media and social network outlets (e.g. Newspapers, TV and Radio stations, Facebook) for when these events are.

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  • Don’t spend money on an expensive costume. Try making a simple costume yourself (if you have a creative edge). One year, my mom made me a Lego costume out of a sweatsuit set (sweatshirt and sweatpants) and plastic cups. It was a lot cheaper than spending $10 to $20 on a licensed character costume set. For adults, I would recommend re-wearing the same costume you wore the previous year. I ended up wearing the same leprechaun costume set I bought for 2 straight Halloweens.

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  • If you do a Halloween party, keep the food simple. I would recommend doing finger foods and snacks (especially for kids). To me, they are a lot cheaper than having to make a ton of entrees and sides. You could also have other people coming to party bring food and you won’t have to buy as much food (e.g. You make the punch and have someone bring a finger food).

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  • Watch horror movies. You can rent a few classic horror movies for less than you would going to a haunted house (With the price of gas money and admission to get in). You might not have to spend money if you find some streaming on your Netflix, Hulu, or Amazon Prime account. Here is a list of websites where you can watch horror movies for free (and are legal to watch): https://www.thebalance.com/where-to-watch-free-horror-movies-online-legally-1357650

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Please let me know if you have any other ways people can save money this Halloween or have any questions.

If you liked this post, please like, share this post with your friends, and subscribe to my blog.

Thank You and Have A Happy Halloween

Mr. Budget

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Organizing My Closet

Hey everyone,

I hope you all had a great weekend.

I wanted to share with you all what I did this weekend.

I worked on cleaning out and organizing my bedroom closet.

Clothes on the shelves of my closet looked like I just slung them on the shelf. Some clothes were sticking out.

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My sock box looked like a tornado hit through it.

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Shoe boxes and bags were slung around my closet.

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Here’s what I did:

  • I organized all of my socks. I put the long socks in my sock box and put my short socks in the big container (where I put my summer clothes).

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  • I refolded the clothes on the shelves.

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  • My ties and belts were put back in their proper places.

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  • I reorganized the clothes on hangers.

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  • My shoes and shoe boxes were put back where they are supposed to go.

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  • I put my bags in the big container.

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Also, I decided to put away some of my polo shirts in the big container and start taking out my winter clothes.

I am in the process of washing all of my winter clothes. I will hang my sweaters and jackets on hangers once they have been washed.

What did I get out of doing this?

  • I won’t need to buy many clothes for this winter. I will only need to buy long johns (I will order those next month on my online shopping run).
  • I also have enough clothes to wear to church. I won’t need to blow any money on clothes for that.
  • I also found a nice laptop bag I don’t use anymore. I will donate it to my church’s yard sale they are having next month.

Where will I clean out next?

  • My kitchen
  • Garage

I hope you all enjoyed this post.

If you liked this post, please comment, subscribe to my blog and share with your friends.

Please let me know if you have any questions or want to share any Organize October stories.

Thank You

Millennial Dude