Well I'm over my budget this month trying to eat from pantry and freezer and only spend $20.00 for the month. We forgot our little homebound Aunt was turning 89 with no children so we had to make her day special, I went over about $15.00 but it was worth it to see her smile 💜

@larryware1

2 жыл бұрын

That was a good investment, Paula.

@kathrynharper-seymour8062

2 жыл бұрын

Absolutely. Money very well spent. Thank you for sharing.

Thank you so much for all of your frugal tips and tricks! I am a single Mom. I have 6 children but only 1 (a teenage boy) still at home. I used to buy groceries with my debit card and never shopped with a list, just buying whatever looked good. 'after my husband walked out on us almost 4 years ago, I moved from FL to PA to be closer to family, I got a job better than the one I had and I made 2 promises to my son. #1 I'm going to prove to you that a single mom does not have to live on welfare because if you set priorities and work hard, you can achieve anything and#2 I will buy us a house within 2 years. I moved to PA in April 2020 and closed on my house July 2021. In part, I was able to make it happen by cutting grocery expenses. I put $200 in an envelope on the first of every month and challenge myself to spend much less. Today, I still have $112 left of my 200.

@jenniferwagner2707

2 жыл бұрын

You go, Mamabear!

@ladyhawk9032

2 жыл бұрын

AWESOME!! Go teach classes to single moms who are in social programs. There are probably several opportunities in your area. What an inspiration!!

I have always had a small garden, but last year I decreased the garden to half the size. Use half for berries, half for vegetables. Putting rain gutters on the side of the shed where I am growing Strawberries. Over time I have been adding fruit trees one at a time ( saving my loose change when I get enough coins I add to the garden). I love juicing but with the added prices of food, by harvesting. my own It; 's such a saving Since decreasing the garden that I till myself, I am adding straw bales to plant directly into. I will get both Spring and Fall planting out of each bale. Then I can then use the bales for mulch, compost as well as to grow potatoes,etc. My backyard is about 1/3 acre. So it is an editable backyard. I do home canning, freeze and dry my produce. I live near the water, love fishing and crabing so I am able to process the meat and compost the waste. I take in sewing, making quilts, as well making wedding cakes to add to my income. I will soon be 74 yr old and recently a widow. So it is important to me that I live comfortably, within my mean, and be prepared for the future. Enjoy your KZread programs, it has been very helpful! Thank You!

@RN-mn3jn

2 жыл бұрын

You are doing awesome! 👏👏 Your post reminds me that I want to try the straw method of growing berries this summer 🙂

@barbaracarbone4658

2 жыл бұрын

I am so sorry for your loss. You have accomplished so much with your food growing. It's wonderful. I also want to try straw bales. I tried couple yrs ago and wasnt very successful. But u got me thinking to try again. Stay well.

@barbaracarbone4658

2 жыл бұрын

@@RN-mn3jn I want to try the straw bales again . maybe I'll have some success this time.

@katherinegarcia3256

2 жыл бұрын

That's amazing! I want to plant a garden this summer. I'm hoping to build some boxes to plant in because with my health I'm not able to get on the ground so I thought a small elevated garden in wooden boxes on my back deck might work.

Hi Hope and Larry, we made the conscious decision this year to save much more into long term savings, we decided to cut out anything that wasn’t important to us. We have expensive food and we’ve kept the budget the same but we’ve stopped buying some items, such as cookies or soft drinks and we didn’t miss them after a while.

@larryware1

2 жыл бұрын

That's a good direction, Frugal Queen. We don't buy those items either.

@dianebradford9240

2 жыл бұрын

How funny, I just mentioned you in my comment & scrolled down--here ya are! I'm doing the water collection from waiting for your shower to get hot. So far from the water collection, I'm not only using it for the back of the toilet, but also filling up a small container w/a spigot to use for random hand washing. Brilliant water-saving tip, Jane-I hope I save 1/3 on my water bill or close to.

Good vid. I had to completely do over my 2nd half January budget and Feb too in order to pay for my oil delivery of $517!!!! It's amazing how I eeked through it and cut back. That oil bill was double what I usually pay. So then I went on a crusade to save more on my expenses. I had already went from paying monthly on my auto ins to paying annually and saved $230/yr. A few days ago I changed my deductible from $250 to $1k and saved $200/yr! Then on Friday and Saturday I took the online 6 hr Driver Safety Course and saved an additional $230/yr!!! That's a total annual savings of $660 per yr on my auto ins here in New York stare! I can't believe it! Lol. I am thrilled to bits. I already received a refund of $35 for the remainder of my policy (which is up in couple months) for changing my deductible. I'm still stunned on how much I am saving!!! It's just amazing! Thanks for your video.

Pray that is the way. God provides. I didn't have money and today I found 15 dollars just by praying.🇨🇦❤

I applied for exemptions to some things in my property taxes, I did a Praise God as that cut my taxes in half for the year.

I am a 34 year old single mother of two and I love all your guys videos I wake up and watch one video every morning when I wake up just for some helpful tips and ideas on saving money and budgeting I appreciate you both thanks for showing up and giving your time to help others

@UndertheMedian

2 ай бұрын

Ashley, your kind message made our day! Thank you. We are honored to be a part of your frugal journey.

It's difficult for me to cut back on anything, as I am 73 and retired, and my husband passed a year ago. So I only have one SS check coming in now, so have already had to cut things out, just to make ends meet. Trying to figure out how to pay for my meds now, as at the beginning of the year, with your first medication subscription, the insurance wants you to pay for the yearly deductible. What has in the past, cost $300 at the beginning of the year, this year it will cost $600. The deductible has gone up some, and the medication has also gone up. So it's been challenging. I love watching your channel, and some of the things you guys come up with, but it's not so easy on a fixed income. Don't have much wiggle room. But some of your ideas have helped, so thank you.

My budget cut ✂️ for this year - is no thrift stores for January. And only go the rest of the year if I absolutely positively need something. Last year I averaged $25 a month at the thrift stores...so $300.00 for the year. And of that $300 I can only right now name one item that I purchased....a new Zojirushi bread machine that I bought for $15 .... that's all I remember and actually needed.... And use weekly. All the other stuff was just fluff. I added this $25 to my gas budget for 2022.

@RN-mn3jn

2 жыл бұрын

@@nata3467 Myself also. The books 😬!!! I have a collection of cookbooks dating back to the 1800's. I love to look at the church cookbooks where there are really old family recipes.

I LOVE watching you two! I live on a disability income and feel like your information is relatable.

@larryware1

2 жыл бұрын

So glad to have you along, Watch Me. Thank you!

HI Larry and Hope, I have watched your videos now for about 6 months and I cannot tell you how much I enjoy your work and advice! I love that nothing you say is "out there" or unrealistic for a typical family to do. Some channels are just full of advice which sounds great in theory but are not practical at all for a real family. Keep the good PRACTICAL and REALISTIC content coming! Thanks!

I have been doing mystery shopping for 10 years. This supplements my groceries (and in some years my gas). I rarely eat out unless it is a mystery shop (fully reimburses and I get paid as well).

Larry is my favorite comic relief. Good job finding your quarter 😂😂

I love the concept of tackling each budget item and challenging yourself to cut each 10%! Definitely doing this! I am going to list all monthly bills and start with the most expensive! Hey! I will report back here when I am done and give you the total saved!

@UndertheMedian

2 жыл бұрын

Yay! Carolyn, definitely let us know how it goes.

I have an older car but it is not a good time to look for a newer one. My goal is to save as much as possible each month. Then I'll have a hefty down payment when the time comes when my mechanic shakes his head and says my old Chevy is DOA! I've cut down on eating out, expensive travel and put myself on a grocery/household budget.

You mentioned bartering. I sort of bargain gifts. I do a little more than basic cake decorating. I make cakes as gifts. For weddings, I ask the couple to pay for ingredients only. Wedding cakes can get big! For birthdays and showers, I provide a sheet cake at my expense. It saves the recipient money and serves as my gift, saving me money. I can generally make a wedding cake for 150 guests for $35 and a sheet cake for $5.

@ginahalsey6749

2 жыл бұрын

That is a great gift!

@tanial8171

2 жыл бұрын

Love this idea

Even though I'm 60....I've never budgeted before; I love y'all, but which of your videos start from scratch on how to get started. I've already told hubby that eating out will slow down( our avg meal$100-200 a dinner out) 🤔🤑

I think it is a fantastic idea to save for your next car as soon as you purchase the first. I only thought about sinking funds for maintenance, gas, insurance, and inspection/registration. I will definitely add this!

My electric bill is the most challenging for me. I was gone for 3 months so I turned off my water heater, lowered all my thermostats, closed off rooms, unplugged most of my electronic devices. When my bill came it was actually higher!!! Go figure. The email I sent to the company has yet to be answered. I'm flummoxed. Since I had started my prepper pantry though, I've spent very little on groceries. I batch cook dishes I like and freeze. That way when I want to eat out I remind myself of the good stuff I've already cooked. Really helped.

@brg2743

2 жыл бұрын

Try solar landscaping lights inside at night for light, or candle. Dry clothes on rack. Dryers use a lot of electric. Plastic on windows helps if you have drafts. Cook in instapot, crockpot, electric skillet, and toaster oven. Use a small dorm size frig if possible, wash clothes only 2x a week in cold water. Wash hands in cold water. Use rugs to cut drafts under doors. Good luck.

If you made that rain tax up, people would laugh at you…. Yet it’s an actual tax. Unbelievable. Watch out. Breathing air will be taxed next. Oooppps, I shouldn’t give them any ideas 😉 Another great video!!

I have paid some bills for the year. It can sure save some money.

Eating out is not just food. You’re paying someone to cook it and serve it to you. And then clean up after you. It should be considered entertainment!

We are both retired, and both have part time jobs, my husband still works for his previous employer on an as needed basis, and I have a home based business as an independent Beauty Consultant. My main income is from Texas Teacher Retirement and I do also get Social Security. Beginning this year, my teacher retirement is taking $50 a month out for Federal Withholding (was $3, Thanks Biden! 😡) and although we did get an increase on Social Security, Medicare premiums also increased! My health insurance increased by $24, prescription coverage by $5.50, and our homeowners insurance went up by $32 a month! That’s more than a $60 a month increase to a budget that has already been reduced by $50! So much for the golden years 🤦🏽‍♀️ Thanks for letting me vent. Your channel is quite useful to me!

Thanks for the budget information you're a big help.

I enjoy your videos so much. Thank you both!

Great ideas, thanks so much

Flabbergasted at your last year's grocery budget! I strive to do better this year. You'd think I'd been spending a lot less since I had gastric bypass surgery last year but protein drinks and bars (essential for me right now) are expensive. I think I do better than many $175/month (food only) including the protein stuff but I still can improve. Thanks for all your advice.

@ianwynne5483

2 жыл бұрын

Can you make them bars and smoothies at home, invest in a blentec and a champion juicer. Good luck.

Eating out?! Since I don't ever do this, I can't cut it. Dinner meals are mostly planned 3 months in advance based on what's in the freezer and pantry and shop sales to restock the freezer and pantry for needs months in advance.

Eating out is not only expensive, but unhealthy. Cooking at home is so easy. Scrambled eggs for dinner is awesome with some sausage. We do that once a week, and then a fruit salad for dessert. Most people just don’t want to cook, eating out is easier, but not wise when saving money. My husband takes his lunch to work everyday, he never buys. How can you eat out and buy groceries, you can’t.

Y'all are awesome! So glad I found you! Thank you for sharing your expertise and great ideas with us. You make saving fun!

I was able to shave hundreds off my bills without changing my quality of life this month. I switched my auto and home insurance, canceled some subscriptions and saved on the ones we love. ❤

@UndertheMedian

2 жыл бұрын

I love it! Well done!

Rain water tax. Wow we don't have that in australia.. I live outback australia it rarely rains

Super video thanks for all the wonderful ideas 😀

Loving this series, you guys are the best! Ground Water charges are included in EVERY SINGLE BRITISH HOME (we live in S. Wales - it rains almost constantly here! 🏴󠁧󠁢󠁷󠁬󠁳󠁿). We are charged more in Ground Water charges than the actual water we consume as a household 🙄 It's crazy but it's like the Standing Charge for the Water Companies/Charities (Dwr Cymru is technically a "charity"). All our amenities come with fixed charges this way. Our Gas and Electric both have exorbitant Standing Charges and we also pay more in those charges than we do for actual energy used. They've got to make their money somehow, right?! Xx

@larryware1

2 жыл бұрын

They certainly find creative ways to tax.

@kaelaleedaley

2 жыл бұрын

@@larryware1 Yes indeed! :D

Omg! You made me crack with the idea of the big umbrella 🤣🤣

I love watching you guys. You are both so authentic and funny. You have both helped me so much. And I am so grateful. God bless you both

Really great tips!!

Great video loaded with tips as always! I've been using Ibotta, Rakuten & Honey, but not Receipt Hog, so I'll set that one up, thank you! Was just notified that our homeowner's insurance premium has increased by 20%, thankfully & surprisingly our flood insurance & property tax didn't; however, after watching your video, I plan to do my best to set aside 20% for next year's premiums on all three, just in case. As much annual rainfall that we get, I'm hoping they don't start taxing us on that too - hadn't ever heard of a rainwater tax until today! Thanks again you two !

You guys are so great! I have learned so much from you. Thank you for starting this channel and sharing your knowledge.

@UndertheMedian

2 жыл бұрын

Our pleasure!

You two are so inspirational ! I hope you're both having a wonderful week!

@larryware1

2 жыл бұрын

Thank you, Brandon!

your tips and recommendations are the absolute best, I have learned so much from you both. thanks to you I am saving in so many ways

True. Eating out is not the same as home cooked real food. Nor is overly processed junk the same as grandma's meatloaf. Shelter includes roommates. Rent/mortgage Taxes Insurance Utilities.what is covered?what is not? For us,water,trash,heat are covered. This is not the case for all

I think you guys are great and I love all your ideas it’s helping me after listening to use I have decided that the pain of my house was probably in the best interest of myself if I can do it in six months the money I paid for my house I could then save for my retirement and that’s a good chunk of money

Good info tonight 🌺

Great tips!

Another great video! Thanks for having a great community and fun premieres !

@UndertheMedian

2 жыл бұрын

Our pleasure!

Thanks for the Tips. We bought a stove,and we're warming water and food on it. Saving a lot of Money - elektricity Bill,and on mazout ( too warm the heater.)👍 Saying Hi too the frugal Queen of france👋

Lots of good tips as always!

I love Larry's mug! Such a beautiful blue shade.

After selling my suburban home I decided to move to a semi rural homestead near Portland Oregon.. This has helped me reduce my monthly bills and expenses by 3/4 and really get control of my budget. It allows me to lead a far more self sustainable life and the property provides a number of free resources like well water and a septic system to name a couple. I am planning to install a large ground mounted solar array soon and two Tesla Power walls to become electricity independent as well..That will also charge my electric car. The property is Exclusive Farm Use or EFU zoned so I get a significant property tax reduction. I am paying half in property taxes of what I paid for my suburban home and this home is double in size and sits on 4 acres. Living in the burbs and city can be really expensive since youre dependent on someone else for just about everything and they really get you on the taxes and city services.

@larryware1

2 жыл бұрын

Sounds like you are attacking it from many directions. If I were younger and lived out in the country, I would love to be less reliant on the grid for power. Solar and wind would be both needed here since the sun doesn't shine all the time. What kind of electric car do you drive? I used to own a 2011 Nissan LEAF. It was so fun to NOT have to buy gas.

Another idea is save all your quarters and dimes they add up faster.

I love this video, thank you!

@UndertheMedian

2 жыл бұрын

Our pleasure. Thanks for watching.

I am trying so hard to get out of debt. Last year my husband and both had medical issues and this year I’m looking at more medical issues. Can’t seem to get ahead

Great info in this video! And Hope, I love your necklace!! Have one just like it!!🙂

Great ideas. It has gotten so much harder to be frugal!

Yay … this is my support group!! 😂😊

Larry! I have the twin to your mug, I received it for Christmas and love it!

Still are within my 2021 budget for food. Switching some small seize package for big ones help like rice/ potatoes . Just a bit less grams of protein for every dinner, ad some water to juice 10-50 % over time, skip soda and snacks to a minimum. Add fiber ( psillium husk) to stretch yoghurt and fill you up longer.

I’m terrible, I need to watch your videos. I spent 800 on food for two. Thanks for the info. Always been a spender, now we’re trying to pay off cards so hubby can retire.

Hi Hope and Larry, I write to you from Luxembourg in Europe! I would like to thank you for all your ideas. Even though I have always been kind of frugal, I was able to take it to a whole new level with the help of your encouraging videos. Wishing you all the best! Carole

@UndertheMedian

2 жыл бұрын

Carole, we're so glad you took the time to write a comment. We're happy to have you as part of the Under the Median family.

I paid my tithe first before I paid any my bills. I always able paid my bills and I usually have money left over.

..food (includes Aldi coffee), transportation (If you need to sleep in your vehicle), and finally, shelter (plus all the expenses associated with that.) !! :)

I'm a teacher and trying to star tutoring as a second income, not easy.

@ErinKay06

2 жыл бұрын

I'm doing that too! Good luck!

Just tweaking my budget now.

I'm loving the beginning scene. I really appreciate the effort you guys have gone to. :D

@UndertheMedian

2 жыл бұрын

Our oldest son stopped by the night before we taped the program. We told him the topic for the video and he suggested the opening scene. We loved how it turned out, too.

Love the videos. Ive learned alot from the two of you last year and have saved enough money over 2021 to get a new roof for my house. They're starting work tomorrow! I'm now saving for a new garage door and other small repairs. I cut my electric bill by $23 a month by turning off the breaker to my upstairs. I'm not using the rooms right now so why not? I'm adding my electric bill savings to my home repair fund. It's not alot but every little bit helps. I live on a very small budget because I'm on disability. I work less than 20 hours a week. But by using some of your money saving ideas I'm able to start working on my house. So if I can do it anyone can. Thanks for the help.

@UndertheMedian

2 жыл бұрын

Katherine, we are so excited for you and delighted to have been a part of helping you reach these milestones. Good job!

Yes, food is our biggest expense, especially since prices have gone through the roof! We always plan weekly menus and get groceries accordingly.

Great video. I'm always looking for ways to reduce my spending and increase income. I use cash back apps and negotiate my bills. I'm trying to cut back on my food spending too....I'm very impressed with your food budget.

In Belgium, the tax on rainwater has been around for a few years now….

Rainwater tax?! Oh my goodness me

We a Ways put eating out under our entertainment category. Cause it’s an occasional entertainment for us.

One struggle I am working thru is that we budget food, household supplies and pet food & supplies as one clump lol and so it's difficult for me to analyze. My husband gets cash out for this and divides it with me and we coordinate our lists. I could separate pets stuff but we hate to make extra trips to the store. Dividing the list and being in the store less total time seems safer with current Covid surge. Your videos really help me think about the big picture of our money. Thank you!!!

@UndertheMedian

2 жыл бұрын

You don't necessarily need to make separate trips. If we buy items that aren't food at the same time and at the same store, we just circle the items that weren't food on the receipt and then list that amount under "household" in the budget.

Love your videos but I miss your bookcase background where you changed what appeared behind you from time to time. Thank you for all the good information you both impart.

That is crazy!!!!

I use what I call Penny Savings. In my check register any change or odd dollar amts are added up in back of book. It adds up quick!

You guys just reminded me to renew my vehicle registration before the end of the month! Thank you I would have forgotten! They did charge a fee to pay online but I saved a buck by doing e-check instead of debit. It was worth the quick trip to the office to grab the check book!

@UndertheMedian

2 жыл бұрын

Yay! I'm glad we mentioned it on the program. Larry paid the extra $2.50 to renew on line, too. :-)

@ginahalsey6749

2 жыл бұрын

I can get the routing number and my account number from my bank’s app, so don’t need to have my checks with me for e-checks.

This is a thing I’d love help with. You guys love coffee, can you show us/teach us how you make great coffee at home. And any ideas for the best kind of coffee maker. I love coffee too.

I have to add another comment. I cannot believe you are being charged for rain water!! That in my opinion is illegal. OMG!! Over the recent years I have heard of some areas in the U.S. doing this or thinking about it. Now I see it's implemented. Holy moly. I hope NY does not adopt this kind of tax.

john is ours also! great man!

Ok the into was so cute. I enjoyed that! I can personally say I am happy to find a quarter these days.

Thanks👋👋👋👋

Good morning from Sweden🇸🇪 In some municipalities here in Sweden, they have had rain tax for more then 15 years! Rediculous yes, but it's because the rainwater goes into the municipality stormwater drainage, so in a way I do understand!😉🙂 And just as I write this, I acctually see a municipality truck emptying one of the draniges here in my street...👍🏻🙂

@UndertheMedian

2 жыл бұрын

Oh wow! Well, it makes me feel a little better that we are not alone. I think it irritates me so much because they bill us separately and then try to convince us that it's not really a "tax". Like if they call it a "fee" it makes me feel better. LOL! I wish they would just lump it in with our taxes so I could pay it all at once.

OMG YOU GUYS! THE INTRO!!! I WAS DYYYYING!!!!!

@UndertheMedian

2 жыл бұрын

That intro was a suggestion from our 25 year old son. It worked out even better than I had imagined it would.

Good tips

Can you make a video role playing negotiating bills it would be an interesting video just to hear the language and come backs etc

Saving nickels and dimes is how we celebrated our 50th anniversary in 2021. I saved every extra penny, nickel, dimes and etc. that was not used to pay for a bill. For an example: In our budget I set aside $140 for electricity, but through the year we never had a electric bill go up that high. I did this with all our budget items. The amount that was not used during the years of 2020 and 2021 until our anniversary, I put that extra in our anniversary fund. We had the best time on our anniversary trip because the money that was set aside paid for our vacation made it stress free. In fact, we were even able to find sales on our hotel bill as well as the food in the restaurants we ate at without feeling we were deprived of any luxury.

You dont have to give up takeaway completely just consider what type of takeaway and total cost. If I get takeaway sushi rolls or pick up a pizza I can get dinner for about $20 but if I order home delivery by the time I get an entree and a main and pay for delivery and a tip for the driver its over $40/$50. So maybe switch from home delivery to pick up and look at the total cost so that you still get a break from cooking but it's not a big chunk out of your food budget for just one meal.

Your videos are so amazing. I love you both, you're both the best. It's funny that most frugal people are on the same wavelength. Many of your videos, I'm usually working on the same thing. One thing the Frugal Queen of France talked about, is she collects the water from her shower that just goes down the drain & puts it in the back of her toilet. They save 1/3....I've been trying this & I am VERY curious how much it'll save. I'm curious, I probably won't do it, unless in a tiny house build in the backyard----but does adding a Nature's Head composting toilet pass a home inspection/lower the vallue? I'm curious. We frugal people will just get smarter at how we spend our dollars. Someone gave me their cart at Aldi...I was like, "You're giving me free .25....are you sure?! lol Made me think of the intro.

@fredrika8011

2 жыл бұрын

Some of our carts cost $1 coin. A few years back before the (plague), a kind lady gave me her cart in December and said Merry Christmas. When I was done with the cart I gave it away also and said Merry Christmas. It felt good to pass on the blessing.

Dear Hope and Larry - A big way you can save money on car repairs is to take them to a privately owned garage and mechanic rather than the dealership. Dealerships are notoriously overpriced. Even with the 10% discount, you paid more than what I would pay by going to my local garage instead of the dealership for the same repair. And then combine that savings with that quarter Larry found under the cushion, you are rich! :-)

@karenlafiandra8067

2 жыл бұрын

I take mine to an automotive college. Just had my brake line repaired for $62. My cousin had brake pads replaced and they were able to save the rotors. $77.

@username00009

2 жыл бұрын

They’re also paying significantly more because they own a hybrid. I was happy with mine until three different reputable shops game me three different reasons for the issue I was having with my Prius.

Hello,all.it is brutal cold in chicago.my area got a lot of snow

Oh guys - that rain water tax ... that's terrible!

Goodness, the last time I did a grocery haul, was 3 months ago ..other than milk/dairy and bread. We have our year long garden, an aquaponics system...and can fish occasionally out of our own tank (trigger fish), We purchase our organic meet online $50 month. I hang clothes out to dry, unplug my washer in between uses...as well as the dryer and any other electronics I can unplug when not in use. We also turn thermastat up for summer, down in winter and on any reasonable day, turn off completely. 2000 sq ft home, with $107 average electric bill.

Rain water tax !!!! Crazy . We have bonkers rules in the UK but haven't had that one yet.

Hi! For the self-employed, taxes shpuld be prioritised as a sinking fund, as it adds up monthly.

I have receipt hog and Ibotta, but I have had trouble getting around to loading the receipts

Tithe first. ❤️

You two are so cute! God bless you

Some great tips, but very surprised you're so upset over the 'rain tax' & don't seem to understand what the tax really is. For those that might see this & wonder what it is, it's a tax that goes towards repairing the damage & pollution caused by what is *in* *the* *way* of the rain seeping into the soil as it's meant to do. The money goes to cleanup programs, and to programs that minimize the construction of impermeable structures as well as replacing current impermeable structures.

While I got pennies in interest from my Wells Fargo account, so far this year cash back for my normal purchases with my Sam's Club Master Card is $63.58.