Q and A: tomato sprouting and homesteader savings — 8 Comments

  1. I’ve been using credit unions for about 20 years – left commercial banks after they started charging more and more fees. A couple years ago the Xerox credit union I had been in for over 10 years separated from Xerox and merged with some others, and at that point they started acting like a commercial bank with inactivity fees and minimum balances and this and that. Since I was unemployed at the time I inquired about having these fees waived since I had been with them for years. No go. So I go. Moved my money to a smaller community credit union without the fees.

    Read the fine print and keep up with changes in terms. Change institutions if they start changing on you.

  2. Save quarters and dimes – handy to have if paper money should not be honored for any reason. Nickels and pennies can be rolled and turned in for cash to buy essential items at the dollar store. Eat right, sleep enough, take vitamins, laugh, enjoy life and friends. Don’t be embarrassed to ask for a monthly pay agreement and even apply for charity help at your local hospital. People are always more important than material things – put yourself first and that new outfit or car way down on the list!

  3. Beth,

    We are lucky in that Will is a Vietnam veteran and has health care through the VA. I have both medicare and ChampVA as my late husband, Bob, was a 100% service-connected disabled veteran who died as a result of this condition (Agent Orange). But if I was not able to have insurance, I’d check out the Christain healthcare sharing group, MediShare where members share in each other’s health care expenses. It is much cheaper than “regular” insurance.

  4. Be careful with credit union accounts, I had one that I started getting charged $5 a month for what they called “lack of inactivity”. I didn’t have any money at the time to put in and I sure wasn’t going to take it out because I thought that was the whole purpose of the account. So I showed them activity and closed the account and they didn’t even act like they cared if they lost my business! So I’m not sold on credit unions.

  5. My question is more about what you do for insurance? We aren’t old enough for Medicare and do not want to be dependent on govt anyway. Our health is excellent and my husband stays employed to keep stashing away and for the insurance. Private insurance is outrageous. I am retired from the medical field so I know what things cost vs what the consumer is charged!!

  6. Hi all!

    Thanks for the help. My husband and I really like Jackie’s comment about putting the money into our homestead where it will do the most good. We do keep petty cash in the house but the rest of what we can save will go in the credit union. We have no debt, only the mortgage. So we will pay that down as quick as possible. The rest of the time I work the garden and the house, hubby does the repairs, and works a day job. Thanks again for all the kind help.

  7. Suzanne, may I jump in here? Have you considered a credit union? They charge minimal, if any, fees. And you only need to keep a very small amount to maintain your account. Been a member of a credit union for many years and wouldn’t go any other route.

  8. I keep some cash in a canning jar mixed in with my homecanned items. And some in the freezer. a friend of mine keeps hers in the toe
    of old boots in a tin bandaid can. Hope this helps.