FINANCIAL SURVIVAL: A TWENTY FIRST CENTURY COUPON CUTTING SYSTEM

 

INTRODUCTION

Twenty First Century coupon cutting might become the next money-saving system we need to utilize for financial survival. In other words, it could become Phase Two of the financial mountain climbing challenge we face. It would start in 2020. The reason for calling this Phase Two is that we may require another money-saving financial survival system in addition to cash reward credit cards.
This would be to offset the 2020 Medicare-Medicaid crisis that we are faced with right now. This additional financial survival system would be an addition to the cash rewards credit card financial survival system I originally devised and have been using for the last 10 years, from 2009-2019.
21st century coupon cutting tool
Climbing the mountain of financial survival again. Photo from goodfon.com

 

PART ONE: TOOLS FOR HELP WITH FINANCIAL CHALLENGES 2009 – 2019

To return to 2009 for a moment, our first major financial mountain climbing challenge was when we went ‘From Middle Class to One Day From Homeless’. We had to make substantial compromises to our lifestyle just to survive indoors.
There are actually four Amazon Kindle Ebooks that I wrote about that journey. Fortunately, I had discovered the benefits of the responsible use of cash reward credit cards. They can be invaluable in accumulating welcome bonuses as well as cash rewards. These are the Ebooks I wrote over this ten year period.
Four Ebook by Alison D. Gilbert
Our Story from 2009-2019 as told in Four Kindle Ebooks with the evolution of the Cash Rewards Credit Card Financial Survival System

 

PART TWO: TOOLS FOR HELP WITH FINANCIAL CUTBACKS 2020 GOING FORWARD

Now we may be facing an additional tightening of our belts. What this means is that another system besides Cash Rewards will need to come into play as part of our financial survival tools.
I am constantly being introduced to new money-saving apps. In fact, most of them do not require manual coupon cutting. Instead, the saving is sent electronically from one devise location to another devise location which can then register at purchase checkout to apply the savings.
To start, there are plastic tags with individual identity name and graphics on one side. Then there is a bar card on the back to identify each store. Savings are electronically registered on a store’s tag. Finally, that information is transferred to the cash register at purchase.
coupon cutting tags
21st Century coupon cutting tags with retailer image on one side and electronically activated barcode on the other

 

CONCLUSION

21st Century coupon cutting is a transformation of the previous century system. In fact, the new system is digital coupons. Therefore, going forward in this series, look more and more for keywords that refer to digital coupons rather than coupon cutting. But don’t throw your scissors or coupon organizer quite yet. Instead, prepare to use them less and less. Happy savings, 21st-century style!
 

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SOURCES & RESOURCES

One Day From Homeless

Using Credit Cards for Survival and Profit

Four Amazon Kindle Ebooks on Financial Survival Using Cash Reward Credit Cards

Save Money on Groceries

Electronic coupon transfers
TopCashBack Recommended by Wallet Hacks
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The Former Middle Class Trilogy

mastering green
The Former Middle Class eBook Series Available at Amazon.com

INTRODUCTION
There are three ebooks in The Former Middle Class Trilogy.The first ebook is called, The Poor Middle Class Crisis and the second ebook is, Using Credit Cards for Survival and Profit. The ebooks are available on Amazon.com. Mastering the Art of Green is my third ebook in the Former Middle Class trilogy.
 

The Former Middle Class Trilogy
The Poor Middle Class Crisis eBook © 2017 Alison D. Gilbert

THE POOR MIDDLE CLASS CRISIS
The Former Middle Class.The Poor Middle Class Crisis chronicles our history as people who were devastated by the 2008 stock market crash. My husband lost his job the same week as the crash. He was 62 at the time. I became very ill from all the stress.

We had become part of The Former Middle Class and did not know how we were going to survive. Our low point was when we faced the possibility of having no place to live and were, One Day From Homeless.

Our journey became one of survival. That became our priority. We had to learn to live all over again under very different financial circumstances. We explored many different avenues and began to build our financial survival tool kit.

The Former Middle Class
The Financial Survival Toolkit for Living a Consciously Frugal Life from the Viper Tool Storage Company
 
OUR FINANCIAL SURVIVAL TOOL KIT
Building our kit involved many lifestyle changes. We went from a two bedroom apartment to subsidized senior housing. Access to food was a big challenge. Instead of the opportunity to purchase expensive, organic foods and eat out on occasion, we had to depend on the generosity of others and the government. Food pantries and food stamps are crucial financial survival tools. But they may be hard to swallow.

We went from middle class comfort to former middle class frugal living. It was a huge adjustment. We explored many tools that didn’t work for us. Things like couponing and taking surveys. Many more thrifty tools are mentioned in the first ebook. Eventually we found one tool that not only helped us survive but also became profitable. That tool is credit cards.
 

former middle class trilogy
Using Credit Cards for Survival & Profit eBook © 2017 Alison D. Gilbert
USING CREDIT CARDS FOR SURVIVAL AND PROFIT
Let me make very clear right from the start that our use of credit cards has involved a very responsible set of guidelines. We pay all our bills on time and in full. Our credit rating fluctuates between 775 and 800 depending upon which credit reporting agency you ask.

Credit cards have given us a financial cushion between sign up promotional bonuses and monthly cash rewards. My refinement of credit cards as a financial survival tool lasted about eight months. What I have learned, and continue to learn about credit cards is fascinating and extremely informative. I have my accounts charted with spreadsheets for each month. Read My Credit Card Accounts Maintenance System for the details of my system.
 

Former Middle Class Trilogy
Part of My Credit Cards Accounts Maintenance System

In less than a year, I had become sophisticated in the financially lucrative use of the credit card benefits tools. All of a sudden, the additional hefty promotional signup bonus credit card memberships applications began receiving denial letters. My stellar tool of acquiring credit cards with promotional sign up bonuses of $100-$200 had lost its winning streak. Clearly, it was time to rest that tool, re-examine some of the other financial survival tools that I had discarded in the past and to research additional new tools. I was at a loss and needed new financial fertilizer.
 

Former Middle Class Trilogy
Mastering the Art of Green, The Third ebook in the Former Middle Class Trilogy @2018 Alison D. Gilbert
MASTERING THE ART OF GREEN
Mastering the art of green is a process. For me, it has involved taking stepping backwards to get a different, larger view on what ‘green’ means. It can refer to money. It can refer to food, lush grassy fields, innocence and inexperience.

Sure enough, once I stepped back and started to look at green in a new way, as fertility and productivity, new tools started to sprout. I started growing food indoors calling it, Table Top Farming. I am growing microgreen in soil and hydroponics in water.

This project is of major importance to us since healthy, live food sources can be scarce for seniors on fixed incomes. Food pantries tend to offer the lowest quality packaged/processed food. The SNAP (food stamp) program provides a miniscule amount of money to supplement nutritious food. So growing one’s own live, local greens can be better than money in one’s pocket.
 

RECONSIDERING COUPONS, STORE SALES AND SELLING SITES
Coupons and other money saving programs do have their value. They are not as lucrative as credit card sign up promotional bonuses. But what is? There again, when I took a step back to get a better perspective on what made sense for me to pursue, I found many options.

Former Middle Class Trilogy
A great savings of 50% at Michael’s Art & Craft Supplies in store and online

Some coupons like the specials CVS Pharmacy and Michaels Stores-Art Supplies, Crafts and Framing offer can be as high as 40-70%. A Bed, Bath and Beyond 20% coupon get help a lot on a $100 plus purchase. Target, Walmart and Amazon vie for top savings. In addition, there are programs that will automatically check to see if there is a savings special when an online purchase is made. These include Ebates, honey, and cently and piggy. Other apps exist that I have not yet had a chance to explore. Two of the most popular are ibotta and Groupon.

Decluttering, Sarah Mueller style can provide lots of potential items you no longer need and want to sell. The above video is from a workshop she did with an expert at selling stuff. Two of the most popular selling sites are Ebay and Etsy. I have not sold on Ebay. I do have an Etsy store, Tin Can Ali. It displays some of my painted items for fun. I have not really tried to sell anything. But Ebay can be a great place to sell things especially if you watch the Kathy Terrill videos from I Love To Be Selling.
 

CONCLUSION
As you can see, the possibilities are endless. Prioritize your options. Find what is most beneficial and takes the least time to execute it. New savings hacks are invented all the time. Be resourceful. Do the research. Continue to read my and other blog posts for the latest information.
 

SOURCES AND RESOURCES
Wallet Hack’s article Target’s Store Shopping Hacks
Wallet Hack’s Article 10 Sites That Pay You Money for Things You’re Already Doing For Free
Ann Gibson The Micro Gardener
Sarah Mueller Decluttering Club
Kathy Terrill I Love To Be Selling – Kathy Terrill
Alison Gilbert’s Facebook pages and groups:
Table Top Farming
Survival Comes First
Savvy Saving Survivalism

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THE POOR MIDDLE CLASS NUTRITION CRISIS

 

Why This Post Is Called A Nutrition Crisis Rather Than A Food Crisis
The Poor Middle Class Nutrition crisis is due to the lack of healthy, nutritious, especially locally grown food. It is not as much about the availability of food itself. There are plenty of sources for cheap, empty calorie items. But access to affordable, healthy, local food is a the root of the Poor Middle Class Nutrition Crisis. The major food challenges for the Poor Middle Class are:
• having access to healthy food
• affording to eat healthy food
• eating enough nutritionally rich food
• staying healthy by being able to eat healthfully

Nutrition Crisis
Food Tank Suggests Community Gardens To Solve Health Issues

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Challenges & Solutions to the Poor Middle Class Nutrition Crisis
The following tools for accessing food have both pros and cons. The one thing they have in common is the added expense of time. Some involve monetary cost. Others are financially free. There is always a trade-off. This can also require a significant adjustment in lifestyle if one is used to supermarket shopping for quick and easy access. Here are some suggested alternatives that are mainstream or government sponsored:

• Buy In Bulk

• Use Store & Brand Coupons

• Barter & Exchange Products

• Get WIC & Farmers Market Coupons

• Go To Food Pantries

• Collect Food Stamps

 

Here are Alternative Lifestyle Means of Obtaining Food

• Grow Your Own from seeds and food scraps-Here is a post about starting a community garden.

nutrition crisis
10 Steps To Starting a Community Garden from the American Community Garden Association

 

 

 

 

 

 

 

 

• Go Dumpster Diving-This food was retrieved from dumpster diving

nutrition crisis
My Facebook Page, Resources for The Middle Class Poor

• Foraging for Food is making use of nature’s bounty, free for the taking, with gratitude. Be sure you are a pro or are foraging with a pro. You want to pick healthy not deadly items.

• Farm your own chickens for eggs, cows for milk and goats for milk

• Make Your Own Essentials and Seasonal Treats with fermentation, canning and other wholesome preserving techniques.Here is a great alternative. It is the Afro Jam story. I just love their graphics.

nutrition crisis
A Detroit Urban Farm Preserves Black History In Jam Form by Martina Guzman

• Kill Your Own Food-This is a controversial but reasonable alternative. It is probably the cleanest source of animal protein, fish and fowl. It certainly is much harder to obtain than at the supermarket. But you know exactly where it comes from. It also brings us much closer to nature in relationship with the animal that has died for us to survive.

nutrition crisis
Why We Should All Be Ethical Carnivores Now by Louise Gray from Slow Food USA

The Issue of Hunger
In addition to the existence of a nutrition crisis, there are people who go hungry in this country. Each of these crises is unique. Here is a short list about hunger and health:
• hunger is the result of a lack of food
• health is the result of a lack of healthy food
• accessibility and availability are issues
• poverty and homelessness can be a contributing factor
• food waste is a very serious contributor to food insecurity

nutritional crisis
Food Insecurity and Food Waste Are Opposite Sides of the Same Coin from The John Oliver Show

 

 

 

 

Sources & Resources
10 Steps to Starting A Community GardenUPDATE: Man Who Broke Into Restaurant, Ate Food, Urinated in Garbage Can Won’t Face Charges

Trump: 43 million Americans on food stamps By Nadia Pflaum from www.politifact.com

Why we should all be ethical carnivours now

The Slow Food Movement

Slow Food Manifesto

Joy Bilee Farmg

The Homestead Hippie

Homesteading on Facebook

Cambridge Sustainable Food

Grow Your Own Food from Food Scraps

A Detroit Urban Farm Preserves Black History In Jam

Food Waste In America According to the John Oliver Show

Millenials Fuel UK Food Waste Mountain

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