Taking Care of the Pennies

Another month has ended and we are one month closer to spring. Unfortunately our days will get shorter before they start lengthening but here we are. November 1st. The dawn of a new calendar page.

With the end of the month comes a renewed state of reviewing my financial well being. It could be better. It could be worse. This week in particular, I am pleased with how I have managed my cash flow.

It all started with some of the most uncomfortable pillows I have owned to date. I have awoken (with a stiff neck) to a SmartSilk pillow paid advertisement more times than I can remember. Nothing speaks to a sore neck better than the promise of a miracle pillow. These pillows are not cheap so I never did take the leap of faith but I have always been intrigued.

Enter "Costco" and the companies who set up shop in their aisles, along with Costco's money back guarantee. The SmartSilk salesman made his pitch. The pillow was on sale for half price. Plus you get a second pillow free. All for the cost of $99.99. I still wasn't sold until he told me there was a money back guarantee. That promise closed the deal.

I purchased these pillows over a month ago. I was brainwashed by the advertising I had heard. I thought I must be sleeping on them wrong because my neck was still stiff. I plumped the pillows. I slept on them on their side. I flipped them over throughout the night. No luck. AND they were heavy and didn't fit in my pillow case. They were (in a word) annoying.

Finally, I woke up with a sore neck for the last time. I scrunched the pillows back into the miniature bag they came in, found my receipt and headed off to Costco. True to the salesman's promise, they refunded my money without question. Thank you, Costco!

I scoured the pillow aisle for the pillow my sister recommended. I couldn't find the one she suggested but for the bargain price of two down-like filled pillows for $17.99, I thought "What can I lose?" The answer? Not a thing!

My returned pillows covered the cost of my new pillows plus all my Costco shopping for the day. Returned pillows minus my new pillows gave me $91.02!! Plus I very much like my new pillows. They are light, fit in my pillow cases and I can scrunch them up to make them work good enough. My neck stiffness has not miraculously been cured but it is definitely no worse.

My second good financial decision was when I noticed my cell phone bill increased by $11.11 for no apparent reason. Upon further investigation I discovered they deleted the special promotion for a $10 credit they had been applying each month. My contract has run out and I wondered if I offered to sign up for a new contract, if they would reinstate my $10.00 promotion. The rep who answered my call could only advise me to check in again with them on Black Friday to see what promotions may be available. But in the meantime, he happily credited my bill the $11.11 I was not expecting. Thank you very much, Bell Canada!

One would think I couldn't do any better. But I did.

I decided to get a flu shot last night and as I wandered the aisles in the store afterwards (they recommended staying in the store for a while in case there was a reaction to the shot), I actually listened to the announcement. Not only was it Senior's Day (20% off) but if you spent $50.00 or more, you would receive a $10.00 gift card. Hmmmm.....

I read that my health insurance will cover the cost of a blood pressure machine if it is prescribed by your doctor. I asked my doctor about it and since I have high blood pressure she wrote the prescription without hesitation. I have been carrying this around with me for months. Then last night's offer sounded like the perfect time to take the plunge. The blood pressure monitor was $69.99, less 20% ($14.00), plus the $10.00 gift card equals a bargain any which way you look at it. If my insurance covers it, it will be a 100% bonus. Thank you, Shoppers Drug Mart!!

My savings this week are $91.02 + $11.11 + $14.00 + $10.00 = $126.13. Granted, I spent $67.19 on the blood pressure monitor so technically it cost me $67.19 to save $126.13 (or in other words, I saved only $91.02 + $11.11 = $102.13). But any which way I look at things, I made some good financial choices this week.

Look after the pennies and the dollars take care of themselves. Listen to announcements while shopping and there may be a bargain with your name on it. If you are unhappy with a product, return it. Take advantage of what your insurance covers. Watch your bills carefully. Call. Ask. Investigate. I could have been told, "I'm sorry but we cannot help you" but I would have never known if I hadn't asked.

The world has been very generous to me this week. I could have moaned and whined about my stiff neck. I could have complained that my cell phone bill increased. I could have continued to carry the prescription for a blood machine monitor in my purse and not utilized it. But I didn't. And I am grateful.