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Paula Wethington

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Re: Monroe on a Budget mini-blog thread
« Reply #45 on: January 14, 2009, 04:02:59 PM »

The Michigan unemployment system is still swamped  >:(

Grand Rapids Press story today:
http://www.mlive.com/business/west-michigan/index.ssf/2009/01/cold_weather_worsens_the_pligh.html

Monroe on a Budget blog follow up with cash flow tips:
http://www.blogsmonroe.com/budget/2009/01/michigan-unemployment-still-swamped/
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Paula Wethington

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Re: Monroe on a Budget mini-blog thread
« Reply #46 on: January 16, 2009, 04:17:44 PM »

This is the time of year families need to be filing college financial aid requests for NEXT academic year.

Here are some tips - and an announcement about a college financial aid filing workshop Feb. 8 in Monroe:

http://www.blogsmonroe.com/budget/2009/01/sandra-blocks-tips-for-college-financial-aid/
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Paula Wethington

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Re: Monroe on a Budget mini-blog thread
« Reply #47 on: January 17, 2009, 08:16:24 AM »

Lots more college financing headlines and links are popping up. Here's the link to my archive section where you can track those announcements:

http://www.blogsmonroe.com/budget/category/college/

Here's the sidebar where I have several standing links:

http://www.blogsmonroe.com/budget/college-planning-and-financing/
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Paula Wethington

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Re: Monroe on a Budget mini-blog thread
« Reply #48 on: January 18, 2009, 09:35:05 AM »

There's a good variety of coupons in the Sunday coupon packets this week, and you'll find sales that you can match up to them at the local grocery and drugstores.

A lot of people are skeptics about couponing. Well it is true that you can't get everything you want, when you want it, at the store you want it, on coupon deals.

So consider stock-up opportunities like this, when they happen, to be a bailout of your grocery bill.  :D

http://www.blogsmonroe.com/budget/2009/01/lots-of-coupons-in-monroe-and-detroit-papers-today/

http://www.blogsmonroe.com/budget/2009/01/monroe-sales-fliers-jan-18/
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Paula Wethington

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Re: Monroe on a Budget mini-blog thread
« Reply #49 on: January 19, 2009, 09:26:37 AM »

If you're looking to save money, don't pay more than you need to for filing your taxes.

There are some free tax e-filing programs available to Monroe County residents - including a free computer lab Saturday Jan. 24 at Monroe County Community College. If you decide to buy tax software, look into leveraging that purchase into bundle promotions at the office supply stores. And if you are in circumstances where you need a professional to work on your tax returns, some of the area businesses have announced discounts or rewards programs that you may find useful.

These announcements for the 2008 filing season are arriving fast ... check out the archives at Monroe on a Budget.

http://www.blogsmonroe.com/budget/category/taxes/

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Paula Wethington

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Re: Monroe on a Budget mini-blog thread
« Reply #50 on: January 20, 2009, 03:04:18 PM »

Monroe County now has a local Great Food For All delivery site in addition to the three local Angel Food Ministries delivery sites. The delivery and order dates are different for the two programs, so you can alternate between them or pick the date that's more convenient for you that month or take your pick between menus.  :D

Here's my post at Monroe on a Budget:

http://www.blogsmonroe.com/budget/2009/01/great-food-for-all-another-food-purchase-program/

Here's the sponsoring church's web site:

http://www.dundeebaptistchurch.org/

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Paula Wethington

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Re: Monroe on a Budget mini-blog thread
« Reply #51 on: January 21, 2009, 09:57:04 AM »

Are you running into cash problems because of a layoff, shorted paycheck or other financial hit?

I liked what the blogger at Almost Frugal had to say about that situation, so I followed up with a local spin on that topic at Monroe on a Budget:

http://www.blogsmonroe.com/budget/2009/01/drastic-frugality-or-what-to-do-when-the-money-runs-out/
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Paula Wethington

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Re: Monroe on a Budget mini-blog thread
« Reply #52 on: January 21, 2009, 01:54:51 PM »

Did you get a chuckle out of Ron Montri's column for The Monroe Evening News today on "They award scholarships for that?"

http://monroenews.com/apps/pbcs.dll/article?AID=/20090121/MONTRILOCCOL/101219978

Do you want to figure out how to land some of that scholarship money for yourself or your student?

Well, this is the time of year to get serious about scholarship applications for the 2009-2010 school year. I've got a follow-up to Ron's column at the Monroe on a Budget blog with an explanation of where to start looking for that scholarship money and why there are some quirky requirements for some of those things.

http://www.blogsmonroe.com/budget/2009/01/ron-montri-they-award-scholarships-for-that/
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Paula Wethington

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Re: Monroe on a Budget mini-blog thread
« Reply #53 on: January 23, 2009, 09:58:59 AM »

Are you looking for information on the web on how to save money?

I have a huge list of links at Monroe on a Budget. But if you are just starting your personal bookmark collection, I have some recommendations:

http://www.blogsmonroe.com/budget/2009/01/where-can-you-find-frugal-living-tips-on-the-web/
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Paula Wethington

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Re: Monroe on a Budget mini-blog thread
« Reply #54 on: January 23, 2009, 03:36:32 PM »

If you have a child in grade school, it is time to start thinking about what you will contribute for the classroom Valentine parties.

But before you purchase ANYTHING for the classroom, find out from the teacher or teacher’s assistant what is requested vs. what is discouraged for the party.

For example, it is pretty well understood that if you are distributing cards, each child in the classroom should get one. And the commercial Valentine card packs for the classroom are so cheap that it makes no sense to handcraft 20 to 30 individual greetings. You may as well buy Valentine packs that feature whatever cartoon or movie character your kids like.

But like I said last year about this time at Monroe on a Budget, unless you have been specifically tasked such as with a committee assignment or host of the month, there is NO need to spend any more money than a box of cards for the classroom party! Do not buy the chocolate hearts, the pretty pencils, the suckers or make a batch of pink cupcakes if you cannot afford it. Leave that “extra” expense to the families who have a little more money available.

Trust me, this year, there will be far fewer families who can contribute those offerings.

Besides, even just four or five “treats” distributed in the classroom will be more than enough sweets for the day. You parents know what I am talking about.

Do you want more budget-friendly holiday ideas? You can find them in the budget blog archives under keyword "holidays." http://www.blogsmonroe.com/budget/category/holidays/

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Paula Wethington

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Re: Monroe on a Budget mini-blog thread
« Reply #55 on: January 25, 2009, 07:34:16 AM »

Here are some of the most common excuses I’ve heard for not couponing:

    * It doesn’t save me enough money. If you think you are not saving enough money for your effort, you may need to change your shopping routines. Pay closer attention to the weekly sales fliers so you can look for coupon  + sale matches, and be willing to shop at another store when the prices are better.
    * It takes too much time to clip and sort coupons. It does take time to do that task. But even grade school children can be tasked to cut the coupons. You can do the coupon-sorting while watching TV, waiting for the daughter at dance school, or during your lunch break.
    * The coupons expire before I use them. If you let the coupon stacks pile up and didn’t cut out the coupons, that’s your own fault. If you had the coupons cut and sorted, but never found a good opportunity to use them, so what? Just pull the expired ones out of your coupon box and move on.
    * Coupons are mostly for junk food. Coupon releases, like any grocery promotions, are often based on seasonal shopping habits or introduction of new products. You will usually find candy coupons in the weeks leading up to holidays, for example. But coupons that have been issued in recent weeks also  include peanut butter, jelly, sausage links, lipstick, laundry soap, vegetarian meat substitutes, canned fruit, toilet paper and toothpaste.
    * Generics are cheaper. Sometimes, this is true. And there are some name brands that will always be very expensive in comparison to generics. But you have to take this on a case-by-case basis. If you can use a coupon to help get your favorite brand name products for as cheap as - or cheaper - than the generic equivalent, why not buy the name brand?

I have lots more grocery shopping money-saving tips at Monroe on a Budget
http://www.blogsmonroe.com/budget/grocery-shopping-on-a-budget-tips-and-tricks/
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Paula Wethington

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Re: Monroe on a Budget mini-blog thread
« Reply #56 on: January 26, 2009, 10:59:01 AM »

Do you Twitter?

Here's a list at the Bible Money Matters blog of personal finance bloggers who twitter.

http://www.biblemoneymatters.com/2008/12/125-more-people-personal-finance-junkies-should-follow-on-twitter.html
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Paula Wethington

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Re: Monroe on a Budget mini-blog thread
« Reply #57 on: January 27, 2009, 09:34:13 AM »

Bible Money Matters has compiled a huge list of tips from money bloggers about how to deal with a layoff.

Yes, Monroe on a Budget is on his list. But this is an excellent list of articles and I'd link to it even if I wasn't mentioned.

http://www.biblemoneymatters.com/2009/01/dealing-with-a-job-loss-what-to-do-when-youre-laid-off.html
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Paula Wethington

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Re: Monroe on a Budget mini-blog thread
« Reply #58 on: January 29, 2009, 07:24:13 PM »

I found some very helpful information on the web today about college financing.

Detroit Free Press live chat with a financial aid expert
http://www.freep.com/article/20090128/BUSINESS07/90128053

FinAid.org's tips on Maximizing your eligibility
http://www.finaid.org/fafsa/maximize.phtml

Of course, I followed up at Monroe on a Budget!
http://www.blogsmonroe.com/budget/2009/01/college-financial-aid-how-to-maximize-eligibility/
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Paula Wethington

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Re: Monroe on a Budget mini-blog thread
« Reply #59 on: January 31, 2009, 07:03:28 AM »

For the links of the programs and services I mention here, go to my original post at Monroe on a Budget: "You don't have to be "saved" to get groceries at a church."
http://www.blogsmonroe.com/budget/2009/01/you-dont-have-to-be-saved-to-get-groceries-at-a-church/

I was trying to explain to someone the other day about the “grocery box” purchase programs such as Angel Food Ministries and Great Food For All … but I could quickly tell I was talking to a skeptic.

“What do I have to do?” he asked.

“Order the groceries, show up with your receipt on delivery day and pick them up.”

But he already knew that the pickup sites were at churches, and kept insisting there had to be more to this. “Don’t you have to listen to a lecture or something?”

“No, that’s not been my experience at all!” I said.

I suppose many of you might have the same question, especially if you are not regular church attendees or would have to visit a church outside your congregation / denomination / conference / ward / district to participate in the food assistance programs that are available in the Monroe County, Mich., community.

Bottom line: You do not have to be “saved” to get groceries at a church.

You have probably already realized that faith congregations have long been a big part of relief efforts in this country and abroad.

The money that is collected during Sunday offerings, mail appeals or through donation boxes is not meant just to keep the lights on in the building and pay the pastor’s salary. This money also supports the church’s ministry efforts - which usually include reaching out to needy people in their community through whatever projects the members decide to adopt.

Besides, churches typically have volunteers, storage space, classrooms and kitchens that can be used for events and activities beyond the intended worship and religious education purposes. It’s a good use of resources to include faith organizations in community service projects.

There are situations where being a member of the parish bumps you up on the priority list for assistance (private school tuition financial aid being a common example). But I have not found that to be the case with the local grocery and food assistance programs.

Here is what you can expect:

Food pantries / food closets

I have never needed to use a food pantry. My husband and I don’t have family in Monroe, but we do have family about an hour’s drive away and we can always get dinner and / or a bag of groceries from the parents when needed.

So I can’t tell you from experience how the local church food pantries work.

What I can do is point you to the stated rules for the Monroe County Network on Homelessness Food Closet members. You show up during the food pantry’s designated office hours (remember, many are run by volunteers), and here are is the paperwork you are expected to provide when asked from the network pantries:

    * Proof of household income - pay stub, food benefit card, SS, SSI, etc.
    * Proof of residency - utility bill, rent receipt, property tax bill, etc.
    * Proof of number of people in the family - Medicaid card, Social Security numbers, income tax return, etc.

Julie’s List also includes as much application information as possible in her food resource lists for southeast Michigan.

Documentation or sometimes a formal referral or appointments are required because many food pantries need to limit their services to certain counties, neighborhoods, or income level. Sometimes this food is provided through grants or government funding with the restrictions that it has to be used to assist certain populations. (Example: Monroe County Opportunity Program’s food assistance services have very strict requirements because of their funding restrictions.)

And the demand can overrun supply, so the food pantry committees need to make sure their groceries go to the intended purpose.

But I don’t see church membership or affiliation on the application requirement lists for local food pantries. Do you?

Soup kitchens

I’ve also never had to use a soup kitchen, although I’m glad we have such a network in the Monroe area.

There was a point in May 2005 when my family was running out of money because my husband had bounced from one low-paying temp job to another for months. We were starting to work on “what if” scenarios if money didn’t arrive fast. At the time, there were two free dinners a week served in the city of Monroe at local churches. That program went on my “what if” list.

We got some groceries from my parents, survived that cash crunch and didn’t have to eat dinner at a soup kitchen.

But during the meantime, hundreds of volunteers from local families, civic groups and churches have been working to expand the community dinner service. There are now free dinners every night of the week in Monroe and also once or twice a week in some of the nearby cities through the organizational efforts of God Works! Soup Kitchen. This is in addition to the original two churches that continue to host their own dinner programs.

This program is open to any family in the Monroe County community. There are no applications. There is no income verification. The deal is, if you need a free hot meal for whatever reason, show up and you’ll be invited in.

I recently signed up to become a volunteer at the Friday dinners at St. Mary Catholic Church in Monroe. My team isn’t scheduled to work a dinner until March. But I’ve already attended the orientation.

The volunteers learned where supplies are kept in the kitchen, some key points in the health department food guidelines, what our work hours would be like, that someone needs to monitor the hallway so visitors don’t go wandering past the restrooms into the classroom building, and that we are part of a hospitality committee for the dinner guests.

I never heard anything in my orientation about asking the dinner guests where they go to church.

Grocery purchase programs


There are several discount grocery purchase programs operating in the United States. The two that are currently available in Monroe County are Angel Food Ministries and Great Food for All.

This is how those programs work:

You order your grocery boxes in advance from a pre-selected menu. Both of the locally-available programs offer a grocery assortment box for $30 or an alternate choice of 10 frozen individual meals. After you purchase the main selection, you can purchase additional grocery boxes from the specials of the month.

The groceries in the main boxes would cost about twice as much if you bought them at a typical supermarket, according to the program organizers. And these aren’t items you can easily find on sale or coupon deals. The discounts are possible because orders have to be paid in advance and selections are limited to what the national organizations can arrange for on bulk purchases.

Yes, the delivery sites are typically churches. They’ve got the volunteers and the gym or lobby space to sort and hand out grocery boxes.

I have ordered Angel Food boxes from Monroe Church of the Nazarene, and here is how it works at that location:

    * Show up on delivery day with a basket or box to hold your groceries.
    * Enter the church building from the back door, so you can stand in a hallway out of the weather if there is a line in the lobby.
    * There is usually a hospitality table with donuts or treats for the customers (this is something the congregation does on its own).
    * There is an unattended prayer request table where you are invited to write any prayer requests and stuff them in a box to be presented to a prayer committee (this is entirely up to you).
    * There will be a room where you can place your orders for next month.
    * A check-in table is where you show your receipt and your order is checked off as having been picked up.
    * There is a crew of people in the lobby ready to stuff your basket or box with the groceries you ordered, and someone with friendly face will carry your groceries to your car.
    * There will be a magazine from the national Angel Food Ministries organization in your grocery box, along with that weekend’s bulletin from Monroe Church of the Nazarene (after all, they are the local sponsors).
    * And people will tell you to have a nice day.

Nobody at Monroe Church of the Nazarene has ever asked me where I go to church or if I am a Christian.

This is basically the routine I noticed at an Ohio church where I placed orders before Angel Food was available in Monroe.

Now, here’s a thought: If you think people in your congregation would prefer to get groceries from the faith community they already know and trust, then volunteer your time to help bring one of these projects to your church … or officially partner up with another congregation that is already a host site.

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