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Showing posts with label saving money. Show all posts
Showing posts with label saving money. Show all posts

Friday, March 12, 2010

Macy's Sale This Weekend


Macy's is having a 20% off sale this weekend (March 10th through 14th) when you shop online.  Use the promo code VIP20 to get 20% off most things, or 10% off jewelry, electrics, electronics, furniture, mattresses, and rugs.  Click this link to shop now!

Kohl's Sale This Weekend


Kohl's is having an online sale this weekend (3/12 and 3/13 only) and they're offering 20% off everything.  You can also get free shipping if you spend $75 or more.  Use the code JUST4U to get 20% off when you check out!!  Click this link to shop now!

Happy Kohl's-ing!

Wednesday, March 10, 2010

Learn how to spend less on clothing

Do you love shopping for clothes but hate the high prices?  Do you feel guilty when you buy clothes, thinking you should be spending your money on something necessary?  Well, you can find good quality, fashionable clothing for much cheaper than it would normally retail!  You just have to know where to look! 

I just wrote an article on finding cheap clothing in Jackson, but the stores I wrote about are pretty much everywhere, so it can apply to basically anyone!  Check it out!

Friday, March 5, 2010

60% off Broyhill furniture at BigLots!!

 

BigLots sent out an email about a big furniture sale that is going on right now!  Apparently, they bought out a bunch of Broyhill furniture and are selling it at a deep discount.  They're being kind of vague about what they have, besides the fact there there will be furniture such as dining room sets, tables, and much more!!  Not really sure what that means, but Broyhill is a pretty big name, so I'm guessing the stuff should be good.  The email says there was a multi-million dollar buyout.  They're not showing anything online, so you'll just have to visit your local BigLots to see what's available!  If you're looking for new furniture, I'd say this weekend is a good time to take a look!  Let me know if you go and what you find there!

Thursday, March 4, 2010

New article about local free coupon seminar offerings

I just wrote a new article for Examiner.com about Carol Dix, a local Jackson resident who offers free coupon seminars at the Jackson Madison County Library.  Here's a link to the article!

Tuesday, February 9, 2010

Valentines on the Cheap

 

Do you get FamilyFun magazine?  In the February issue, there are the cutest easy-to-make valentine's day cards!!  FamilyFun always puts easy, cheap crafts that you can do with your kiddos that look like so much fun!  I haven't tried any of them yet since Little Man is only 2 years and 5 months old.  But I'm really looking forward to the day when we can do the crafts together!  I thought I would share a few of the ideas from the magazine with my loyal readers!

The one that I liked the best was little cards that look like owls.  They're too cute.  You take a tear-drop shaped piece of construction paper and fold the pointed end down toward the rounded end.  Then, take a pair of scissors and cut the top (at the fold) so it kind of looks like the top of a heart.  Color the folded part and glue it down.  Cut out circles and decorate them for the eyes and then glue them over the folded piece.  Cut two vertical lines into the bottom of the owl so you can insert something like a sucker or a pencil in it.  You can write things on it like, "You're a hoot" or "To a real wise guy" or "Guess who-who is my valentine!" or something else owl-y!  


Isn't it adorable???  You can get Valentine pencils with erasers on top at Walgreens this week for 5/$1.  And who doesn't have some sort of construction paper laying around?  You could make 10 valentines for $2!!  Pretty sweet!  

Another idea is to cut out heart shapes from construction paper and put them together, punch a hole in the middle of them, and put a sucker in the middle.  It looks like a flower! They're super adorable.  You could use construction paper or scrapbooking paper if you had some you knew you could spare or weren't going to use (scraps would be fantastic for this!).  And make leaf shapes big enough to write a little note on for the valentine part.  Think of something flower-y for the notes: Our friendship is blossoming; You're sweet; You're my bud-dy.  

Both of these would be fun crafts to get the kiddos involved in, too!  Have fun, sweethearts!

Tuesday, February 2, 2010

Vacations on a Budget

Many people feel that vacations are a luxury – you only take them if you have plenty of money. I'm not of that mindset. To me, a yearly vacation is a necessity. I have never regretted taking a vacation, even if it meant I had to cut corners here or there in order to have enough money to go on vacation. I come back from vacation relaxed, refreshed, and renewed – and looking forward to my next vacation! I believe that families can and should take a vacation at least once a year and that it is possible to save enough money, even if your family is on a tight budget. Every family can take a fun, relaxing vacation for $1000 or less.

In order to stay within this budget (and ensure your family will have fun), careful planning is a necessity. In the next few minutes, you'll learn how to plan where you're going, what you're going to eat, and what you're going to do, all with a tight budget in mind.

Consider lodging in places other than hotels.  My family loves going to the beach. It's our perfect vacation – unbeatable. Think that type of vacation costs too much? Think again. Sites like www.vrbo.com or www.vacationrentals.com list vacation rentals in all price ranges. These rentals are mostly houses and condos, but there are some hotel rooms listed, too. Spending less than $100 a night on a fully-furnished condo is completely realistic, even during the peak vacation season for the area. And you can find places all over the U.S. to visit – not just beaches. There are rental units available in all states.

Save money on food by planning and prepping at home.  One of the biggest benefits of planning to take a vacation in a furnished house or condo is that you'll have a kitchen available to cook all (or most) of your meals, so you'll save money on dining, too. Menu planning is the next area of planning your budget-friendly vacation. Planning what you'll eat while you're gone is essential. Restaurants in tourist-heavy areas cost nothing less than a fortune. And honestly, the food in the restaurants doesn't have to be stellar – lots of people eat out because they want a break from cooking, which means the restaurants are always full, no matter the quality of the food. A little planning and preparation can keep your family on the thrifty road when you're on the road.

If you're going somewhere that has a specific type of special food that you'll want to eat on your vacation (e.g. Fresh seafood at the beach), you'll definitely want to eat that special food while you're on vacation. But buying the food fresh and preparing it at your rental saves you up to 75% of what you would pay for the same dish at a restaurant in the area. To save even more money, print the recipes you plan to use on vacation at home and prepare some of the ingredients at home. If you're planning on making fried shrimp, mix up the ingredients for the batter or breading and put them in a storage baggie. All you'll need to prepare that meal is the fresh shrimp and possibly some milk and eggs. You should purchase all non-perishable items that you'll be using on your vacation (for recipes, breakfasts, snacks) and take those items with you instead of paying much more when you're there. A cardboard box of food doesn't take up much room in the car, but can save you hundreds of dollars. (And don't forget that you have a regular budget for food and you would spend money on food that week even if you weren't going on vacation. Save your vacation money for the things you have to buy on vacation, not the things you would typically buy for the week anyway.)

I can hear you scoffing – “When I'm on vacation, I don't want to have to cook. I want the time off.” I understand that sentiment, I really do. Last year, my family went on our annual beach vacation, and I had the same feeling – I don't want to cook every night when I'm on vacation. I want a vacation, too. So we went out to eat two times and fixed food at our condo the other 5 nights. And here's what kept me up at night – we spent just as much money on the two, mediocre meals we ate out at restaurants as we did on all the other food that we ate for the whole rest of the vacation. And my husband told me that he enjoyed the food that I cooked more than the expensive meals we ate out. Ouch. Talk about buyers remorse!! I decided then that I'll be cooking the meals on all of our future vacations. The mental anguish I suffered from spending the unnecessary money on dining out weighed on me far heavier than knowing I'm going to have to keep cooking on vacation. And if you cook enough to have leftovers each time, then you cut the number of times you have to cook by half. Not bad!

In addition or as an alternative to the information above, try these money-saving ideas:
  • Choose a vacation spot close to home to minimize travel expenses.
  • Share a house or condo with another family and split the cost.
  • Rent an RV and tour a few states (www.cruiseamerica.com) – it can be pretty cheap, especially if you can plan your vacation during a deal timeframe.
  • Plan activities in advance and get tickets in advance, if possible.
  • Ask for discounts everywhere you go.

Put a plan in place to save the money necessary for your vacation.  Last, but certainly not least, I'm going to give a few pointers on how to actually save up the money to go on vacation. All this talk about taking a vacation for cheap means nothing if you have no clue how to save enough money to accomplish it.

How to Save Money For the Vacation:
  • Set up a vacation savings account to keep vacation money separate and purposed
  • Set aside money every month from your budget (you'll have to put away at least $83 a month to have $1000 at the end of a year)
  • Do some kind of work on the side and put all of that money into the vacation account (after-school tutoring, teaching piano lessons, washing cars, mowing lawns, etc.)
  • Sell things on eBay and put all proceeds into the vacation account
  • Ask for money as gifts from family members and put that money into the vacation account

Do you have any budget-conscious vacation ideas? Remember to plan early (now is the time to plan vacation for this summer) and thoroughly, and enjoy your vacation, without worrying about money!

Monday, February 1, 2010

15 Minutes Can Save You Money on Groceries

Almost every time I talk about couponing and saving money, someone asks me how long it takes me to clip coupons, find deals, and save the most money. And I have to admit, it takes me a while (I average about 10 hours a week), but the money I save makes it totally worth it to me. The response I usually get is, “I just don't have the time to do that.” And the conversation seems to end there. What I have failed to do is to offer an alternative method of saving money that doesn't take as long. But there is a way to spend less money without the big time investment, and I'm going to tell you how to do it. I call it the CBYS (clip before you shop) method and it can be done in 15 minutes or less.

Keep every coupon insert that comes in the Sunday paper. The first step to using the CYBS system is to save and categorize every coupon insert you receive. The coupons in the Sunday paper are distributed by SmartSource (SS), RedPlum (RP), General Mills (GM), and Procter & Gamble (P&G). The easiest way to keep coupon inserts is in an accordian folder. Use adhesive-backed notes (e.g. Post-Its) to write the date of the insert and stick it into one of the file slots. Then simply drop the inserts that came in the Sunday paper on that date into the slot. Voila! You're done with this step. (If you're not sure when the insert came, look at the folded edge of the outside of the insert and you'll find the date there.)

Make your shopping list. This is a no-brainer. If you don't make and keep shopping lists, then I'm not going to be able to help you save any money on your grocery trips. You probably do this step while you're preparing to go to the grocery anyway. If you don't already make a shopping list, then you definitely need to at least start that practice. There is no doubt that you're spending more than you should if you aimlessly wander around the grocery store with no direction or plans. Once your shopping list is complete, you're ready to spend your 15 minutes or less gathering your coupons.

Take your shopping list to the computer. Whether you've made your shopping list according to what's on sale at your local grocery store or out of necessity, you'll be able to save money on at least some of your items by taking this step. There are several websites out in cyberspace that are coupon databases. A coupon database is a listing of every coupon that has been distributed or can be printed that hasn't yet expired. You simply put in a keyword of the first item on your list and look for any coupons that might be out there and either clip it or print it. Easy peasy!

Here's what a typical listing will look like:
Description Value Expires Source
Pillsbury Toaster strudel pastries
01-03-10 GM
$1.00/2 3/27/2010 Insert
Pillsbury Toaster Strudel Pastries, Any (Bricks Link - IE) $1.00/1 Rolling Printable

Let's take a look at the first listing. Under the description, it says 01-03-10 GM. That's not just a bunch of hullabaloo – it's telling you where to find the coupon. It's in the General Mills insert that was in the Sunday paper on January 3, 2010. It's a coupon that will save you $1 if you buy 2 boxes of Toaster Strudels and it doesn't expire until March 27, 2010.

The second listing is a link for a printable coupon. You may have to download some software before your computer will print these, but the software is free and totally worth the few minutes the download takes. You can print each Internet coupon twice, so you'll be able to save $2 on 2 boxes, instead of using the paper coupon listed above. Notice that the link says IE – that means that you'll have to open the link in Internet Explorer because the coupon won't print in another browser, such as FireFox or Mozilla.

Here are a few websites with coupon databases (*you may have to sign up to be a user to access the database, but it's free to sign up and you instantly have access):

That's it! Just do this for every item on your list, clip or print the coupons you can find and head to the grocery store! Of course, you won't maximize your savings this way, but it's an easy way to save a little bit of money if you don't have the time to invest in full-on deal-hunting. Good luck, and let me know how it goes!

Friday, January 29, 2010

Monthly Budget and Savings Tracker Update

Well, January's monthly menu went so well that I'm going to try to do it again!  I stayed within my $400 budget for groceries and toiletries this month and completely filled my chest freezer!!  I'm going to try to use up as much of the meat in the freezer this month as I can, so hopefully I can keep my grocery cost down even more this month.

If you're interested in keeping track of your monthly budget and savings, go over to thecouponproject.com and download Angela's saving-tracking Excel spreadsheet!  I did, and I have been very pleased with it!  It takes a few minutes to update it each time you go to a store, but it's so worth it.  I have never known down to the penny how much more I could spend at the grocery before I went shopping.  During my last trip to the grocery this month, I knew that I had $52.77 left to spend and I spent $49 and some change!  But I knew exactly how much I could spend and made some shopping decisions to meet my goal!  Here's the link to Angela's post with the downloadable savings tracker.

Thanks, Angela!  You've helped me tremendously with my spending goals!!  We've taken a look at the family budget, and found that we can increase our monthly church offering because we're saving so much money on groceries and toiletries.  We're giving more than we've ever given, and it seems like God is blessing us in other areas of our life because of it.  I've never been happier in my life, and our finances are actually a breeze to keep an eye on.  Our whole outlook on money has changed; we understand that we have been entrusted the money we have and need to be good stewards of what God has given us.  We realize that we don't have a lot of money, as far as the standards in the U.S. go these days, but we feel richer than ever.  God is so good!