Best ways to save money $

MagmaRed370z · 06-14-2016, 09:40 PM

Don't visit the "For Sale" section on this forum lol

cooltoy · 06-14-2016, 11:09 PM

There is - to be paid to play sports (companies hockey team, playing during work hours).

MarkGideon · 06-15-2016, 08:24 AM

As much of a pain it can be dealing with all the people, do your grocery shopping at Wal-Mart, and buy their brand whenever possible. Wal-Mart does not have any production facilities of their own, so everything with their store brand was made by someone else, likely in the same facility as a name brand product. For example, a few years ago there was a peanut butter recall for both Peter Pan and Great Value since they were both made in the same ConAgra facility.

As for avoiding the usual crowd at Wal-Mart, I usually go around 6:00 AM on Saturday to do the weekly grocery shopping. The store is well-stocked and there are few people to deal with.

Mike · 06-17-2016, 07:57 PM

Quote:

Originally Posted by MarkGideon

For example, a few years ago there was a peanut butter recall for both Peter Pan and Great Value since they were both made in the same ConAgra facility..

My wife laughed at me because I ate a big giant scoop of that peanut butter before we took it back for a refund!

cooltoy · 06-15-2016, 03:19 PM

No. Just keep the card for the offer period. Having several cards actuall lowers your ability to get credit, if you ever need it. The balance, even if you don't use it counts as debit against you.

Chuck33079 · 06-15-2016, 03:26 PM

Quote:

Originally Posted by cooltoy

No. Just keep the card for the offer period. Having several cards actuall lowers your ability to get credit, if you ever need it. The balance, even if you don't use it counts as debit against you.

It all depends. Closing a card isn't always a good thing.

The Do’s and Don’ts of Closing Credit Cards | My Money | US News

Nismodean · 06-27-2016, 02:46 PM

Quote:

Originally Posted by cooltoy

No. Just keep the card for the offer period. Having several cards actuall lowers your ability to get credit, if you ever need it. The balance, even if you don't use it counts as debit against you.

WRONG. Having multiple, OPEN lines of credit shows well upon you as long as you can manage them well. The older the credit line the better. Closed lines of credit doesn't do your credit score any good. ACTUAL $ debt counts against you vs the maximum allowed for each line of credit. As long as you maintain them (I would guess) 25% or less in debt, you'll be fine.

Credit Karma is actually a good way to learn how credit works while looking at your own credit!

old guy · 06-15-2016, 03:24 PM

Thanks guys, I (we) can only hope these common sense,& proven ways will help some brothers & sisters hold on to their cash!
As all of us realize, in life, it's way easier to spend $ than to save it.

cooltoy · 06-15-2016, 03:37 PM

Maybe banks in Canada look at it differently vs the banks in US.

I had four or five cards at one time and when I went to purchase a real estate property, my bank said that all these cards I have limit the amount of loan I can get because they are considered a liability even if the balance on them is zero. They told me to close the cards I do not need to increase the loan amount. Which is kind of the opposite of what the link says.

sgosh · 06-15-2016, 05:57 PM

Quote:

Originally Posted by cooltoy

Maybe banks in Canada look at it differently vs the banks in US.

I had four or five cards at one time and when I went to purchase a real estate property, my bank said that all these cards I have limit the amount of loan I can get because they are considered a liability even if the balance on them is zero. They told me to close the cards I do not need to increase the loan amount. Which is kind of the opposite of what the link says.

Similar thing here when I went to buy a second place. I figure my good standing on my credit cards was a good thing. Closing, and consolidating (at low interest) turned out to be the way to go.

It's likely a weird Canada thing; not sure how it goes with our American friends to the south.

Chuck33079 · 06-15-2016, 03:42 PM

That very well could be the difference. Here, it can ding you. It's a screwy system.

Rusty · 06-15-2016, 04:32 PM

Another thing to watch out for. When something goes on sale. Like tires or what ever. Buy 3 and get the 4th one free. It ain't so. The month before, you could get all 4 tires for the same price as the 3 tires this month. They jack up the price of the tires to cover the cost of the free 4th tire. In the end, you pay the same price this month for 4 tires as last month for 4 tires. I worked for Goodyear a lonnnng time ago. I seen it done by other companies too. It's just not only tires.

old guy · 06-15-2016, 07:39 PM

Quote:

Originally Posted by Rusty

Another thing to watch out for. When something goes on sale. Like tires or what ever. Buy 3 and get the 4th one free. It ain't so. The month before, you could get all 4 tires for the same price as the 3 tires this month. They jack up the price of the tires to cover the cost of the free 4th tire. In the end, you pay the same price this month for 4 tires as last month for 4 tires. I worked for Goodyear a lonnnng time ago. I seen it done by other companies too. It's just not only tires.

That reminded me of when I worked in the grocery store : the price would go up 50 cents / 2 weeks later the new stock would be printed WOW 50 cents OFF!

cooltoy · 06-15-2016, 04:36 PM

That's why large purchases should never be an impulsive buy, but researched thoroughly, so that one knows when a deal is truly a deal.

cooltoy · 06-15-2016, 06:43 PM

They give credit to anybody in the states. Thus the recent economical crisis. And none in Canada.

06-14-2016, 09:40 PM	#1 (permalink)
MagmaRed370z A True Z Fanatic Join Date: Jun 2014 Location: USA Posts: 1,468 Drives: 14' 370z Sport Magma Rep Power: 13	Don't visit the "For Sale" section on this forum lol cooltoy, TonyZ34, old guy and 2 others like this. __________________ Sold: 2014 Magnetic Black Base. Current: 2014 Magma Red 370z Sport \| ARK Grip Exhaust \| 25mm HR Spacers \| GTR Button \| DRL Mod

06-14-2016, 11:09 PM	#2 (permalink)
cooltoy Elite Member Join Date: Jun 2012 Location: Calgary Posts: 13,982 Drives: 14 PW 370Z S/T MT Rep Power: 243722	There is - to be paid to play sports (companies hockey team, playing during work hours). Fuzzzy, old guy and birdman71 like this. __________________ Member of kenchan's "photoshopped mods" and "proper offsets" gang.

06-15-2016, 08:24 AM	#3 (permalink)
MarkGideon Base Member Join Date: May 2012 Location: USA, SC Posts: 213 Drives: 2012 370Z Base Rep Power: 13	As much of a pain it can be dealing with all the people, do your grocery shopping at Wal-Mart, and buy their brand whenever possible. Wal-Mart does not have any production facilities of their own, so everything with their store brand was made by someone else, likely in the same facility as a name brand product. For example, a few years ago there was a peanut butter recall for both Peter Pan and Great Value since they were both made in the same ConAgra facility. As for avoiding the usual crowd at Wal-Mart, I usually go around 6:00 AM on Saturday to do the weekly grocery shopping. The store is well-stocked and there are few people to deal with. MagmaRed370z and old guy like this. __________________ 2012 370Z Base Gun Metallic--2015 Altima 2.5SV Gun Metallic--2020 Chevy Silverado RST--1965 Chevy C10 Stepside Shortbed

06-15-2016, 03:19 PM	#5 (permalink)
cooltoy Elite Member Join Date: Jun 2012 Location: Calgary Posts: 13,982 Drives: 14 PW 370Z S/T MT Rep Power: 243722	No. Just keep the card for the offer period. Having several cards actuall lowers your ability to get credit, if you ever need it. The balance, even if you don't use it counts as debit against you. __________________ Member of kenchan's "photoshopped mods" and "proper offsets" gang.

06-15-2016, 03:37 PM	#9 (permalink)
cooltoy Elite Member Join Date: Jun 2012 Location: Calgary Posts: 13,982 Drives: 14 PW 370Z S/T MT Rep Power: 243722	Maybe banks in Canada look at it differently vs the banks in US. I had four or five cards at one time and when I went to purchase a real estate property, my bank said that all these cards I have limit the amount of loan I can get because they are considered a liability even if the balance on them is zero. They told me to close the cards I do not need to increase the loan amount. Which is kind of the opposite of what the link says. old guy and sgosh like this. __________________ Member of kenchan's "photoshopped mods" and "proper offsets" gang.

06-15-2016, 03:24 PM	#8 (permalink)
old guy A True Z Fanatic Join Date: Apr 2015 Location: S.E. Michigan Age: 68 Posts: 2,711 Drives: 13 magma touring Rep Power: 2684370	Thanks guys, I (we) can only hope these common sense,& proven ways will help some brothers & sisters hold on to their cash! As all of us realize, in life, it's way easier to spend $ than to save it.

06-15-2016, 03:42 PM	#11 (permalink)
Chuck33079 A True Z Fanatic Join Date: Nov 2011 Location: Houston Posts: 12,265 Drives: 2011 370ztt Rep Power: 29539	That very well could be the difference. Here, it can ding you. It's a screwy system. old guy likes this. __________________ 2011 MB Touring-Sport-6sp-Nav/GTM TT/FI TT TDX/JTran/Kosmic/Eibach/Hotchkis/SPC/CSF/RPS/SoThatsWhereAllMyMoneyWent

06-15-2016, 04:32 PM	#12 (permalink)
Rusty Ronin Samurai - Assassin Join Date: Dec 2011 Location: Fayettenam,Pennsyltucky Age: 69 Posts: 35,358 Drives: 2011 Nismo GM 6M Rep Power: 2684438	Another thing to watch out for. When something goes on sale. Like tires or what ever. Buy 3 and get the 4th one free. It ain't so. The month before, you could get all 4 tires for the same price as the 3 tires this month. They jack up the price of the tires to cover the cost of the free 4th tire. In the end, you pay the same price this month for 4 tires as last month for 4 tires. I worked for Goodyear a lonnnng time ago. I seen it done by other companies too. It's just not only tires. cooltoy and old guy like this. __________________ 浪人 - 殺し屋 "The Difficult Anytime, The Impossible By Appointment Only" http://www.the370z.com/members-370z-...o-journal.html

06-15-2016, 04:36 PM	#14 (permalink)
cooltoy Elite Member Join Date: Jun 2012 Location: Calgary Posts: 13,982 Drives: 14 PW 370Z S/T MT Rep Power: 243722	That's why large purchases should never be an impulsive buy, but researched thoroughly, so that one knows when a deal is truly a deal. old guy likes this. __________________ Member of kenchan's "photoshopped mods" and "proper offsets" gang.

06-15-2016, 06:43 PM	#15 (permalink)
cooltoy Elite Member Join Date: Jun 2012 Location: Calgary Posts: 13,982 Drives: 14 PW 370Z S/T MT Rep Power: 243722	They give credit to anybody in the states. Thus the recent economical crisis. And none in Canada. old guy likes this. __________________ Member of kenchan's "photoshopped mods" and "proper offsets" gang.

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