I have stopped blogging for a while cos I just started working after I got my license. I wanted to give myself some times to get use to my working environment. Myr works require a lot of CE (continue education) initially so I thought I better give myself more time to acquire skills and education as required. It is about 4 mths now since I started my job, I am more settle now and I am going back to full time blogging again .

I think the couponing thing is only found in America (other country like England or Australia might have it but they are not as big scale as here). The reasons being every manufacturer issues coupons. Coupon is as good as cash cos retail stores are reimburse with cash when customer present coupons to them.

It requires a lot of works and effort. I stumbled into it 6 months ago. Like I say before I am constantly looking for good return investment. I find couponing an investment (indirectly).

What inspired me was a Texan woman who spend $800 a year for household products (from meat to toilet paper, everything her household use), she is a single mom with 3 children.

I thought if she can do it, I am sure I can do it. That is the reason I go into this coupon quest.

To me, it is a form of investment.

Why ?

I see couponing as an investment tool (indirectly). Say a person bring in $50k a year on his /her salary and he/she spend 20% of his/her income on household items and 20% on mortgage , 5% on tax, 5% on health insurance, 10% on charity, 40% on investment (20% on investing on business, 20% on stocks/bonds)

20% of 50k is $10k.

If a person can acquire the skill that jane4girl has : http://jane4girls800dollarannualbudget.blogspot.com/
She spend $800 per year (the last 5years) on all household items for a household of 4.

$10k-$800=$9200

Which is 18.4% of 50k.

If this person consistently do it for 5 years, that is $46k and I am sure that is more than 20% of a $200,000 house and it is quite a good size of down payment for a $200k house.And if that person consistently have the same income and the same budget, the $9200 annual saving is a very good source for mortgage payment for a $200k home.

It does not seems a lot but over long term, it is a lot of $.

This coupons thingy is interesting. It’s a pity that its not as widely popular here.

Actually I drop by once in a while – just that I don’t get round to commenting! Cheers.

I think it’s important to find our niche and interest and be comfortable blogging about the things we like and love.

I’ll be dropping by here from time to time! Cheers.

Welcome back to ranting.