Is there a cure for it's only-itis?

Is there a cure for it's-only-itis? As in $$$$ and cents. My discount will only be ten cents on this pop-no big deal(walmart workers) if you do that five days a week that's fifty cents and multiply that by 52 weeks that's 30 plus bucks! Don't get me started about buying a multi pack and bringing it to work! 

As a cashier I see this all the time. Like the teen that dad asked ....where's the end of grandmas' gift card? Oh it was only fifty cents i tossed it!! WTF that's money-and thank the lord that man pointed that out. 

When I first started my money saving journey, I suffered from this disease. So what if I save twenty five cents a month by turning out my lights? I mean prepaid cell phone service is an obvious huge savings I'll do that. Unplugging my modem when I'm not using it...no biggie. Until you start to see everything add up and substantial savings on your bills. 

To be honest I really don't want to work for the rest of my life. I am not wired that way. I will volunteer, work on my online stuff etc....but there are days and weeks I really just don't want to leave the house. The only way I am going to do that is to save money wisely and put a hefty amount in my 401k...something I couldn't do if I don't watch my cents! As the saying goes..a penny saved is a penny earned!

So do you have any thoughts on this? Any tips?

God bless and have a great day! 

Getting back on the (blogging) wagon

Hay all fall is finally upon us, even though here in Western pa its hotter than it was all summer...blech. Any way fall is my favorite season with the crisp air, open windows and blankies! I have always felt that fall was a good time to make changes. Just like we are driven inside by the weather, we can delve into ourselves.

That being said, I am getting back on the blog wagon. What has been weighing on my mind is my striving to be more frugal, give more and have better relationships. I am looking for input on the frugal because the more we save the more we have to give, sometimes it's just a matter of being creative. I also plan to start back up on fiverr.com I'll explain that later. 

My question for my viewers is this. What subjects would you like to delve into first? Any suggestions on the frugal subjects you would like to study? Please let me know! 

Havent talked to you all in a while..how are you? 1 Keep me posted! God bless and have a great day.
p.s. please remember I am a broke mother...haha anyway if you decide to use any of the earnings programs I have listed on the side bars, please click the link so I credit tyvm! 

Updates, musings and rambles from the Burgher (good, bad and uglier)

So, I know long time no see AGAIN and so sorry to let you guys down. I have been EXTREMELY busy. With my son in school, work, trying to catch up on housework...those of you that follow me know that I have chronic pain so stress does make it much worse! etc etc.

Let's see hmmm, good. I went Goodwill hunting and scored Adidas memory foam slides for $6 never used. I also scored my sons winter shirts for next year, just need to catch up on pants. This is a good time of year to clearance shop and do goodwill..stores and people are trying to make space and clean out their closets, per-se. 

I,after almost six years, finally got full time at work. Good. Of course there is a catch with that..it's Wal-mart..haha. I had to open my availability which is 7am to 11 pm and boy did they take advantage of that. It's going to be really stressful and exhausting but the extra money will be worth it! 

Bad and good...my son had a really bad cold but he is better, but it seems my mom got it. My 92 year old grandpa has a severe flue and is not doing well. 

Anyway, enough for today. I do have some rambles in my head...which ones do you want? Saving money? Being giving? etc?

Also need to support my goodwill habit so here is a link to swagbucks, an extremely easy way to earn  gift cards or paypal money, if you are interested I can give you tips that are quick...I average about $5 a month on there. PLEASE USE MY LINK! God bless and have a great week! 

http://www.swagbucks.com/refer/katylady77

I'm Running my first Contest

Hay guys running my first contest! It will be an ongoing one.  The "contest" is really an "incentive" for you to join my referral sites. I honestly make decent money through them. Some you can earn pretty quick, others not so much. The all take only a few minutes a day. What counts is that you are EARNING this is my "mad money" that I get to spend on me or extras for the house. Being frugal means saving and bringing more in. I tend to impulse buy so the extra money sure helps! 

So here is how this will work. When you join two of my referral sites, I will send you a free copy of my report on how to save money in your household, a $5 value, as seen here:

https://www.fiverr.com/katylady77/send-you-my-report-on-ways-to-save-money-in-your-household

Please use my referral banners and links that you see on the page. Once registered, send proof that you joined. I just ask that you make an honest attempt to try the sites for a while. All sites are ones that I do and have thus far been "real" and not spam. Just be careful on how much info you give if you do the activities, to avoid getting spammed. 

Have a good day and God bless! 

Why I do the frugal I do and the Rich I want to Be ...an Essay

Okay, so I promised a "real" post so here it is! Today, I would like to talk about the different types of rich ..and the kind I am working very hard to be. Not there yet! That is why it's Katyladys Journey...not my completed. I am always looking for help along the way, so feel free to add comments etc. I really do value your insight! 
So, the different kind of rich. Of course, there is old money-those who made a fortune, invested well and passed it on. That's not most of us so lets gloss over that. Then there is new money. This can be some one who strapped on their boot straps, worked hard, saved hard in order to get rich. Or at least live well below their means and by living their lifestyle so no one knows how much they do-or don't have. They aren't scrooge-like but rather dedicated givers and life enrichers.  More on that in a bit. That's my goal.
Then there is the "nouveau riche. Dictionary.com defines these type of people as :"person who has acquired wealth recently and is regarded as vulgarly ostentatious or lacking in social graces" 

The English translation is "new rich." Those people are pretty hard to be around. They are boastful, rude and demanding. It's like if some one wins the lotto and becomes someone that's high on the hog and hog wild. This is "new rich." Don't be this way! If I ever win the lotto (haha) I am going to continue the same basic lifestyle. Yah a few splurges...but use the opportunity to be free to do things I have been wanting to do, such as volunteer more.

OK so how to become rich, maybe not a millionaire but some one that lives an above average lifestyle? For us regular Joe type? Those who are able to do things that they want such as travel? Retire on time or early? Have enough to live when they want to retire and not have to work the rest of their lives? 

Be frugal! Don't toss your money to the wind like I did for to many years and ten years later still have bad credit from a bankruptcy like me-learn from that and don't do it! I can learn a lot of lessons from my parents. I am glad to be able to share these with you.

Until I was in junior high, my dad was always upper level management.  He had retirement savings, we had a great house etc. My parents have always made sure to have not only good credit but PRISTINE credit. Always have been wise with their money.

Then the terrible happened-he lost his job to corporate downsizing. He was at an age and a level of expertise that no one would hire him. So my parents put his brain (civil engineer) and my moms' brain and creativity to start a retail business. They also designed and sold tools for the stained glass business. 

Never did I realize at the time how much they sacrificed to keep my life as normal as possible. 
I never had to do without nice clothes- the joke in our family is that if you need anything my mom will find it on sale and have a coupon. Everyone insisted they would lose their home, that I couldn't still be in private school. Due to sheer determination, little or no sleep, a lot of doing without(a lot of it) and more than a little bit of "cahoonas" they not only able to PAY OFF the house and sell it for almost double what they purchased it for. When we moved to Pennsylvania, the cost of living is less so they were able to pay for their home in cash-and still  have a large amount left. Instead of going hog wild though, they are still very frugal and unless (hope not! ) a major catastrophe happens they will be able to live out their years in comfort. 

All this is to say...if you learn how to manage your money well, live BELOW your means,save money in order to do so and earn a bit more on the side you will be quite impressed at how much you can accomplish! If you would like to earn a bit more, check out my referral links-they are vetted ones that I use. There are TONS of free resources online  to teach you everything that I have suggested. Although I am still learning I would be happy to answer any questions that you may have. 

have a good Day and God bless! 

Updates, complaints and positives from the rambling Burgher

Hi guys so lets get the complaint out of the way first. My back is out and is killing me. Went to the er and got prednisone and Vicodin and its not touching a thing.

Ok so on to the positives! I have a $30 check from send earnings coming woot! My work at www.menacerecords.net is rewarding, fun and pays well! I had an awesome Aldi trip and even got some clearance items there! 

Any way trying not to type to much due to back but will be on and off throughout the day! 

ttfn! and God bless! 

Been busy as usual! I finally seem to have a  decent part time gig online! 
I am helping:
www.menacerecords.net 
get up and going! It is a cool site you should check out! It is for musicians to collaborate, dj's players, songwriters etc. I plan also to add a group and forum for writers, one for artists etc. bloggers also. It is for creative people to have a safe place to learn, grow and market themselves. I hope to help allen the site owner eventually get it to facebook like status. Since he is grounds up, if it starts doing well he will increase my salary. YAY salary! Anyway, please pray it takes off I would eventually like it to be enough for me to reduce my hours at WalMart. Would keep that job for 401k and discount though! 
On the subject of earning, please check out my links on the side and bottom. These are all sites that I work with on a regular basis and so far have been legit-and paying sites! 
Anyway, How are you? what have you been up to? Any frugal tips for me?

God bless you! Have an awesome day! Be sure to check out: Menace records

Another Wonderful day God gave me! 

That time again! June online earnings

Hello all! It's that time again, where I like to post my online earnings, more for me really to keep tabs on how I am doing. This list doesn't include anything pending, for example A$12 sitting here....only cashed out amounts. So...Here we go!

fiverr $8
Bubblews $25
paypal bonus .42
quickrewards .30
fiverr$8
free hair color coupon 13.99
QR .18
fiverr$4
free 2 liter pepse 1.38swagbucks/$5 amazon gift code 5
fiverr 4
fiverr 8
fiverr 4
fiverr4


so there you have it folks! 

April Online Earnings

Hello all this is my april online earnings list and doesn't include anything pending. I did put the appx dollar amount for samples I may have gotten. Since we are not allowed to offer links, if you would like a referral ahem, please ask: )

Quick Rewards .25

2 gevalia k cups 1.00

fiverr $4

paypal cash back .34

swagbucks amazon gc $5

fiverr A$4

Quick rewards .23

fiverr $8

listia free mascara $8

jingit .15

quick rewards .14

fiver $12

2 XMAS ornaments lista 3$

basket bathroom stuff lista $10

fiver $16

whew did better than I thought! yay!

That time again! March Online earnings

Alright guys, it's that time again! Time to give you my online earnings. I do not include "pending" or almost there. These are actual cash outs, or cash outs that are already on their way.

If you are interested in earning on any of these sites, please let me know and I will send you a referral link as most of them I get referral credit :)

1. clixsense A$6

2.  Free razor(listed on listia didn't want 13.49

3. Free oil change coupon : $25

4.  swagbucks, amazon gv $5

5. Rose quartz heart/ won on listia   $15

6.  fiverr $8

7.  Listia, won free new rocket dog shoes:   $40

8.  Listia: won silly easter watch for son easter basket: $5

9.  Listia: mascara won, no ship refunded credits

10.  fiverr:  $8

11. quic rewards:  .57

12. Fiverr:  $16

So there is my list, good luck with your earnings! 

Yay new ways to earn on paypal

Good news to those of us who use paypal to get payments from various stuf that we do online. When I needed to update my address I notices that they had a cash back program now! 1% back for online and instore non-pin ie credit purchases! yay! some of my sites charge a small fee to cash out so thankfully this will help to offset that! yay something good:)

Sorry its been so long, new years resolution update and january earnings

Hello everyone, sorry its been so long! I have been really busy with work and fiverr.com (katylady77)
As for my new years resolution, losing weight I have lost 15 pds as of today for a total of 45 pounds.
I have been busy online and have been writing down my earnings. I inculde appx dollar amounts on samples etc.
I do not count pending cash outs or money sitting there like 20 dollars at inbox dollars, but need 30 to cash out. Feel free to ask for referral links( I do get credit, thanks! )

so here goes!
$5 amazon gift card, swagbucks
$15 free claritan d bzz agent
.10 Jingit
-$10 cvs gift card mypoints
-.14 Quick rewards
.07 quickrewards
-$1Free tooth paste
-3.82Fiverr.
-7.82 fiverr
-.23 quickrewards
-3.92 fiverr
-$2 free calender
-$10 free sterling silver giraffe charm/listia
-$1-free penny rolls
-$4 free address labels
-$1 hair samples
-$15 fiverr
$5 amazon, swagbucks.

Yay for a grand total of $85!

How are you doing! ?

Yay putting the android to work!

Get the Panel App to earn incentives for free! Help me get points by clicking http://bit.ly/10OPa30

BZZZZZZZZZZ Agent review! Covergirl Blast Flipstick

Yowzer! Loving this lipstick, I am a bzz agent that Riceives new products to test and review.

Cover Girl girl Blast flip stick is awesome! I have one of my tubes they sent me in my catch all dish by my front door. I put it on most every day I go out the door. I have a full size mirror in my hall way. The lipstick has two ends that you can wear singly or mix and match. I like that you can mix(something i have always done) without the colors bleeding, making it impossible to wear one shade by itself. I definitely recommend this product! 

<img src="https://img.bzzagent.com/image/blastflipstick.jpg?Type=activity&Activity=8685210688&Campaign=1937617816&Uid=490828&token=cb6e9196c711fc23497439a98bc307f3" alt=""/>

Found new way to earn

Get the Panel App to earn incentives for free! Help me get points by clicking http://www.placed.com/panel/panels/711b0c40f1da/signup?rid=10b1e3ee5434
Thanks all!
Seems legit will keep u posted

Swagbucks Treasure hunt!

Attention! Its a treasure hunt at swagucks! all day they are giving random extra points fosr searches up to 1000 and also have a treasure map for free gimmes! the first one is posted!
if you are not part of swagbucks, its a sight where you get points for stuff like paypal, giftcards etc! you get points for stuff like searching.

have fun and earn points!
if you decide to join, here is my link, please use :)
http://www.swagbucks.com/refer/katylady77

Yay a good Listia week!

Yay I do listia and got rid of a roomba vaccum a baby monitor,some coke codes and a cutting from my vine.

Ok interupting myself listia is a bartering stuff where people bid on stuff you give away, this gives you "points" to bid on other stuff its all free except to mail stuff if you want 500 poiints go to this link:
https://www.listia.com/signup/561708

anyway back to subject, I bid and won:
a genuine dooney and burke tuffed purse(listia doesnt allow fakes
so weeeee)
the purse has stuff i will re list but has a little mini digital camera i have been wanting a digi camera so mini works !
I also won a pretty , genuine peridot necklace charm and a full sized avon crystal aura perfume(discontinued) that has a free fake crystal charm

so I love this sight lets me get rid of stuff I don't use and get what I want, it also gives you the bidding fever without the cost!

I also had an awesome shopping week but that will be a different post! 

Bits, updates, random life stuff

Lets see, what have i been up to? hmmm exhausted lol. I found out I have fibromylgia but with a diagnosis, I can work on feeling better.
I am still at 40 pds lost....but my clothes are getting bigger still! yay
I have had some good saving deals like I got 60 dollars in stuff from cvs for 36 dollars and then 17 dollars back in extra bucks for my next trip. I got sierra mist for 40 cents picked up several. My couponer friend gave me TONS of Atkins coupons which is good since it is so much more convenient for a quick meal! protein ussually has to be cooked! 
working my way to a free cart full but being so sore zaps my energy.
I am so excited I am finally ready in my head and heart to look for  a soul mate, I believe when you are ready it will happen, so having faith! 


Anyway, what is up with you?

Super lucky button hitting today!

Hi guys, the superlucky button has been hitting well today!
Superpoints rewards you for playing a game, spinning a wheel, really easy! I have yet to cash out but know several people who do REALLY WELL!

It is an invite only sight, so here is my link so you can join!
http://superpoints.com/refer/katylady77

Peeves,over spending people!

Ok so this is my rant and rave for the week lol! I work at Wal-Mart and see waste and overspending every day and everywhere! 
So, here we go! 


-people who weave in and out of traffic to a red light, where do you suppose you are going, wasting your gas, in such a hurry? YOU HAVE TO STOP.


-people who buy 4 plastic wrapped potatoes for 4 dollars. for GOODNESS SAKE please buy a 5 pound bag for 3.50, poke holes in it with a fork and stick in the microwave! even if you throw away the rest, it is still cheaper that way! 


-people who buy 40 bucks worth of bathroom stuff(makeup, shampoo etc) with out a single coupon on a lot of peoples orders I could easily save 10 bucks, this is before price matching. Take the 10 minutes to clip a few coupons,


-people who buy hangers, just ask the cashier for free ones, they aint matchy matchy but they work! 


-enough said: people who but frozen peanut butter sandwiches with the crust cut off for 75 cents per piece


-5 lunchables; I could buy you the meat, the crackers and the candy and drinks for less money and you would have lunch for the family on saturday! 


Ok, so this is a brief list and sorry if I offended any one, I am cheap and hate paying full price for anything! I love to shop, but like the burlington commercials, I got this this AND that for less than your one item! 


Ok, so what is your thoughts?