My sister came to me a few days ago and said, "Amber, have you seen the website - https://mn.gov/commerce/consumers/your-money/find-missing-money/". My response was something along the lines of, "No Danielle, that has got to be a joke!" She responded by saying, "No Amber, I searched your name. You have missing money...just make sure you go to the .gov website." I thought, well I should look into what she is talking about. So I went to the website and there it was, My name, my previous address and a line item stating I had missing money outstanding from PayPal inc. I thought, there is no way. I do not lose things and I do not have a PayPal account. However, I was really intrigued because it was the MN.gov website so it was legit and they already have all my information, so I knew I wouldn't be giving them anything they did not already have. I refreshed my browser and clicked on claim my property. The website did not communicate the amount the money would be other than it was for a value under $500. Three days later, a check was in my mailbox for $171 from St. Paul Commerce. Honestly, I have no idea what I over paid, but I am thankful that the money was returned to me. I deposited the check and it is officially back into my account.
I would highly recommend you jump onto this website and browse for your own name, or close family members. I know it is only a little bit of money in come cases, but it helps those companies close out their financial books when checks like these are cleared from their systems. It also, helps you and I because we get our money back!
When was the last time you examined your bank account to know all the miscellaneous memberships you are paying every month? I would highly encourage you to review your accounts once every 6th months to be sure you are not throwing money away on subscriptions you are no longer using.
COUPONS, COUPONS AND MORE COUPONS
When I am thinking about buying something via the internet, I will use a google extension called Honey. This extension will browse the internet for any coupons that could be used for your purchase. If the extension comes up empty, I will open a new browser and look to see if the website has a promo for 20% off if I sign up for their website. I honestly, hate having promos being sent to my personal email, so I have an email account that I have only for these promo's so I can receive the discount coupon. If that does not work, I will ultimately pay full price, but at least I tried to save before I paid full price. When I am at Target, I use my Target Red Card which is linked to my Checking Account. I do not open Credit Cards with any retailer, but I will if it is linked to my checking account. Receiving a discount to spend my own money! Sign me up! I also scan my cartwheel just before I pull into the register to be sure I have benefited from any coupons on only the items I know I am buying. I do not select my cartwheel before I fill my cart because I notice I buy items I do not need simply because they are on sale if I do that.
I do not consider myself frugal, as my husband tends to say, "you are not high maintenance, you just like nice things!" This is 100% true. I do like nice things, and I believe you pay for what you get. This is why we own two BMW's free and clear. They are incredible cars! You get what you pay for. The cars are worth the money we invested into them. However, to make these purchases we were not flippant. We diligently looked for a car that fit our criteria, but had the lowest cost: greatest gain option.
The belief that you either have a poverty mentality with no money, live paycheck to paycheck and steal from the system, or you have way too much money, you inherited it all and you do not understand what it looks like to live paycheck to paycheck has to die. These beliefs are not accurate to the general population of society. Yes there are cases on both ends of the spectrum, but it is not the normal. If you are looking for a book that challenges this belief, I recommend Chris Hogan's book titled, Everyday Millionaire (https://www.chrishogan360.com/store/product/everyday-millionaires-book-by-chris-hogan) . Highly, highly recommend this book!
Do you have any money tips and tricks you utilize that helps you save financially for your family?