Savvy Shopping Savings

 

INTRODUCTION: OUR WEEKLY SAVVY SHOPPING SAVINGS ROUTINE

Being seniors enhances our opportunities for savvy shopping savings. As a senior, if you like travelling locally by car to go shopping, these suggestions should be appealing. The following examples are where we shop. But these days, I suspect that many suburban areas would have these or similar ways to take advantage of saving shopping savings.

savvy savings shopper
Long Island Cares, Inc. The Harry Chapin Food Bank is a major supplier of free food to those in need on Long Island
Tuesday

This is the Long Island Cares, Inc. ‘Veterans only’ food pantry day. We start our food shopping here in Freeport, LI then head over to Gala Fresh Farms where it is 10% off for seniors.

savvy shopper savings
Our local Gala Fresh Farms is in Baldwin, Long Island
Wednesday

Compare is another terrific supermarket that has a lot of Latino foods to cater to the demographics of the immediate neighborhood. The prices are good and I love the variety of foods. Seniors get 10% off today.

savvy shopping savings
Our local Compare Foods Direct is in Freeport, Long Island
Thursday

Target offers 5% off everyday with their credit or debit card. Since we are in the neighborhood on Thursdays, this is the day to go here. Staples is also right nearby so this is a good day to go here too. We get 5% off with their credit card everyday.

savvy shopping savings
Target recently opened a store in our radius of local shopping in Freeport, Long Island
Everyday

There are many other local savvy shopping savings opportunities everyday. Besides Target, here are a few of them:
CVS offers 30 to 40% off on a regular basis. This is one of the few stores that I pay attention to coupons. It really pays off. They email me and send me postcards to notify me of sales. It makes it very easy to shop and save here.
Staples offers us 5% off with every purchase made with our Staples credit card.
Wild by Nature offers 10% off to seniors. If I shop here often enough, I get another quarterly coupon.
Michaels Stores, Art Supplies, Crafts and Framing has coupons every week. We actually get notification of them by email. Even though this store is not on our regular shopping route, my husband likes to take a short trip to Michaels for his week art supply needs.

savvy shopping savings
CVS is much more than a pharmacy. It’s a quasi department store that always has sales. There are five CVS stores in our shopping route.

We will either include these everyday savings stores into our shopping routine near their location(s) or make a fun trip on another day or the weekend. In the case of CVS, there are five stores in the areas where we do our other shopping. Therefore, we have the luxury of going to any one of them no matter where else we need to shop.

savvy shopper savings
A Mapquest map of our weekly shopping route in Nassau County on Long Island. The area is traversed by two local parkways, Meadowbrook and Southern State, indicated in orange. We use them only when necessary. We can usually accomplish all our shopping on the road indicated in yellow. It is the ‘original’ Sunrise Highway
CONCLUSION: CONVENIENCE BUT CONFLICT AS WELL
I like to shop local and am a supporter of small local shops. But our financial circumstances require that we save money and shop frugally. It is very difficult to find a balance between the two systems, supporting small local businesses and shopping where we can get savvy shopping savings.

With the exception of Long Island Cares, Inc. which is a food bank that supports us, it seems that our finances dictate our choices. But they do not dictate our values. In addition, the direction that business has gone in makes it difficult to shop primarily at small local stores. So it would seem that practicing savvy shopper savings is in direct conflict with shopping small local stores. Or is it? Has anyone found their situation to be otherwise? Here’s what’s been in the media about this issue.

SOURCES & RESOURCES

Savvy Savings Shopper Blog Post

Local Businesses vs. Big Business

Savvy Suburban Survivalism Facebook Group

How Small Businesses Can Compete With Big Box Stores

Savvy Saving Survivalism Facebook Group

The Impact of Chain Stores on Community

The Savvy Saving Survivalist Facebook Page

Study proves it: Walmart super-stores kill off local small businesses

Why You Need to Support Small Businesses

One, Two, Three, Four . . . We Don’t Want Your Superstore

7 WAYS A SENIOR GROCERY DELIVERY SERVICE CAN IMPROVE YOUR LIFE

A Pickup Line You’ll Love: 30 stores that let you shop online and pick up in the store

Continue Reading

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

Continue Reading

Senior Suburban Survivalism

 

Introduction

Senior suburban survivalism has become our new way of life. The purpose of this blog post is to explain what this new way of life or lifestyle is. I also detail our need for it. In addition, I explore this lifestyle so that the knowledge of survival tools is made available to others members of The Poor Middle Class. I want to inspire hope in others who are in the same or similar financial situation to us. Learn much more about The Poor Middle Class on earlier posts of my blog and in the chapters of The Poor Middle Class Crisis eBook.

senior suburban survivalism
The Poor Middle Class Crisis eBook available at Amazon.com

Surviving In A Middle Class Suburban World As Part of The Poor Middle Class

Because we are part of The Poor Middle Class, life has become increasingly challenging for us. As seniors aka boomers and part of The Poor Middle Class, we have had to find new lifestyle tools to survive in suburbia. We strive for a good life in spite of our limited financial resources. We are proud because we are rich in resourcefulness and hope.

Both senior suburban survivalism and homestead/off grid living have contributed to our new life. By preference, we are adopting lifestyle changes that are intrinsic to homesteading and off grid living. By necessity, we have become suburban survivalists. In fact, one could say that Senior Suburban Survivalism is a new alternative lifestyle for suburban members of The Poor Middle Class. We are learning to balance these alternate lifestyles to create a new life that is affordable and that works for us.

What Is Survivalism?

senior suburban survivalismSurvivalism is defined in Wikipedia as “. . . a movement of individuals or groups who are actively preparing for emergencies, including possible disruptions in social or political order, on scales from local to international.” Preparation tends to involve the ability to live in rustic, primitive conditions. It can include altering one’s relationship to the political, social and economic establishment.

For The Poor Middle Class, serious disruption to our social (economic) order has already taken place. It means that we are no longer middle class financially. But we still live in a Middle Class material world. There are steep financial requirements to live comfortably and securely in that world. But they are beyond our reach.

Additionally, the current political climate may cause our social order to be disrupted even further. Be that as it may, there are aspects of survivalism as well as qualities of homesteading and off grid living that we are applying to our suburban, poor middle class lives. Out of necessity, we have become suburban survivalist. Out of desire, we are also adopting homesteading and off grid living qualities. Our hope is that our new formula for living will work even when life is more of a challenge.

senior suburban survivalism
This is the new suburbs, camps of homeless people who find refuge in suburban wooded areas. Although not legal, this is a place to gather as a community for safety and survival. From NJ.com.

 

Homesteading and Off Grid Living

Homesteading involves living off the land, in a simple and close relationship with nature. Off grid living involves the absence of municipal utilities such as electricity, gas, heating and cooking sources as well as water. This elimination of this dependency is by choice.

Both of these lifestyles sound exciting and romantic to me. But these alternate lifestyles are for younger folks who are more robust than we are. Therefore, a compromise of incorporating homesteading/off grid qualities into our lives as senior suburban survivalists is one way we can live our dream. Below is the video introduction to Off Grid with Doug and Stacy. They are well respected ‘leaders’ of the of homesteader/off grid living community. As you can see from the video, Doug and Stacy have found great joy in their homesteading/off grid life.

 

Our New Life As Senior Suburban Survivalists
We have been forced into senior suburban survivalism rather than able to chose homesteading/off grid living for two reasons:
• our age-the rigorousness life of homesteading/off grid living is for younger folks
• our financial circumstances-we do not have any financial resources to purchase land or materials to create an off grid homestead

Senior Suburban Survivalism
‘Ali’s Kombucha Kitchen: Home of Healthy, Probiotic Food and Drinks’ is one of my pages on Facebook

In spite of our limitations, we still derive great pleasure from aspects of our new life. Here are ways that we have adopted into our daily lives what we can of ‘the real thing’ as homesteader/off grid type folks:
• Housing-our senior housing is affordable, we have no mortgage to pay and we would be homeless or close to it without this amenity
• Food-the weekly food pantry we get food from has become our personal vegetable garden
• Foraging-local parks and green spaces make foraging still possible in the suburbs
• Traditional food & beverage preparation and preservation-these techniques are totally viable, easy to learn, close to nature, full of healthy probiotics, are frugal and avoid food waste

senior suburban survivalism
Making Kombucha, One of my Favorite Drinks and Hobbies
• Living a simpler and slower life-we have chosen to slow our lives down even though we still live in the fast paced suburbs
• Budgeting-we spend very carefully and as little as possible while sticking to a strict budget
• Acquiring things like Clothes and Furniture-we utilize free resources from our food pantry, our neighborhood, flea markets and thrift stores

 

 

Conclusion
I am an eager beginner in understanding what homesteading, off grid living and survivalism are and how we can incorporate them into our lives. I feel that we have embraced the spirit of them and welcome whatever works into our home and lives. So far, we have found that as we simplify and scale down, our lives have become richer and fuller. We look forward to the bounty of adventures and discoveries that lie ahead on this journey of our new life.

Senior suburban Survivalism

 

 

 

Sources & Resources

The Financial Survival Toolkit from Viper Tool Storage
The Poor Middle Class
Poor Middle Class Financial Survival Resources
Definition of Survivalism
Homesteading/Survivalism
Off Grid with Doug and Stacy-Homestead Homies
Living Off Grid for Thirty Years: A Story of Isolation Through happiness
The Secret Shame of Middle-Class America by Neal Gabler
Fifty Five, Unemployed and Faking Normal by Elizabeth White
The Homeless Encampment in Howell, NY.
Ask A Prepper
The Lost Ways
Food Preservation and Fermentation
Survival Food Reserves

Continue Reading