Some stores advertise a sale such as 5/$5 or 5/$10. That means 5 of one item for $5 or $10. You may want to check with your store. Many times, you can get the same discount by only buying 1 or 2 of the item. So you can get the same discount without having to buy so many that you may not need.

I have posted before about looking at thrift stores for books. Another place to check out may be your public library. In Fargo, the downtown library has a book sale of donated books or extra books from the library. It is only open certain hours since it is run by volunteers. They do not have regular hours. The Carlson Library has book shelves by the express checkouts with books that are for sale. Today I stopped to drop off a couple of movies I had checked out and pick up another one. While there I looked at the “book sale” shelves and found two CD sets for $2 each. One was Warren Buffet’s “Snowball” audio book which is a 8 CD set with a retail price of $40. The other was Wayne Dyer’s “The Power of Intention” with a retail value of $24. So I ended up getting almost $70 of audio books for $4.

So you never know where you will find a deal.

Nancy Kvamme

In past years the main things that were figured in monthly payments were car payments and either mortgage or rent.  Now it seems like you can buy almost anything on a monthly payment plan.  This is fine as long as you don’t overextend yourself.  The amount of each payment may not seem like alot but when you add several of them they can get out of hand. 

Just like keeping an eye on how much you charge on your credit cards, you also have to keep an eye on your monthly payments.  Also, if you are figuring them on how much you earn per hour or day, you have to figure based on your net pay.  Some people figure it on their gross pay and forget they have to pay taxes out of that too.

Nancy Kvamme