That’s right, now is the time to buy holiday items and decorations you will need next year. If you get your items at the right price it will be more than worth storing them in the closet for a year. Buying now can save you big bucks, and is one of my favorite frugal tips.

Wrapping paper is one of the main items to look for as you fight the after Christmas crowds. You use a lot of it wrapping all those gifts, and at $2 or more a roll you end up spending more than you realize. Most stores have their holiday merchandise marked down 50% and soon you’ll be able to get items 75-90% off. You can afford the pricey $5 wrapping paper at 90% off, that’s only .50!

Sweaters and jackets should be going on sale now also. Most people have already bought what they need this year and stores know that. If you find a super cheap jacket don’t be afraid to buy it now and save it.

Tree trimmings can be found at below bargain prices. Stores know that consumers aren’t going to pay full price, and if they don’t practically give their tree decorations away consumers won’t buy them.

Steer clear of edible items unless you plan to eat them soon. Cookies and fruit cake will spoil before next year. If you buy Christmas themed foods enjoy them now.

Merchandise that was geared to be holiday gifts will also go on clearance. Pick up inexpensive marked down items and use them as birthday gifts throughout the year. Stores got in way to many foot warmers and fleece throws that would make nice non-holiday presents.

If it’s a good deal and will save you money the buy. Don’t buy stuff just because it’s on sale. Only buy items that will save you money in the long run. It’s easy to get sucked in with a giant red clearance sticker. Ask yourself if the item is even worth the sale price. Got a comment, question, or tips? Leave a comment! We love to read them!

After making a list of who you need to buy for and perhaps what you need to buy, spending your money is not the next step. In between the shopping list and the actual purchasing of gifts you should take time to make sure you’re getting the biggest bang for your holiday buck.

Comparison shop. Check out store ads before you even leave the house. You can view most retail store sales ads from websites. Also check out the ads in Sunday’s newspapers. You might be surprised to find that the electronic gadget on your list van cost you $10 more at the store you were planning to visit. Don’t be shy about calling stores and asking them how much certain items are. Stores want your money and employees shouldn’t mind telling you the price of a product.

Look for store coupons. Stores such as JcPenny, Michael’s, and JoAnns often put out weekly coupons in the Sunday paper. Coupons can save you anywhere for 20% off your total purchase to 40% off a single item, or even more! One coupon I found in my mailbox yesterday was for $5 off and $25 purchase at a national chain store. Using coupons is the fastest and easiest way to stretch a dollar.

Consider purchasing online. Sometimes online prices are lower than in store prices. Plus, many stores are offering free holiday shipping. Not only will you save a few bucks but you won’t have to spend gas money or time driving to the store and waiting in line. Don’t forget to do a quick online search for coupon codes to see if you can save even more on your online purchase.

Lastly, don’t forget to take advantage of sites such as Wwhow that alert you to special deals and savings. There could be an amazing deal on an item on your shopping list, but if you don’t check for specials you will miss out.

Check out dollar stores that guarantee that nothing is over $1. I was able to find Wii baseball bat controller snap-ons, head phone, little radios, and great stocking stuffers at my local chain store. I also bought Disney wrapping paper, scissors, and tape for holiday gift wrapping.

Each dollar you save is a dollar you can use somewhere else. By taking a moment to comparison shop, look for coupons, and check out sites such as Wwhow you can guarantee that your holiday dollar will go farther than ever. Don’t forget to leave a comment and say hello!

Black Friday is the shopping day that you either love or hate. You may dread the traffic, the crowds, or the extra work involved if you work in retail. People that love Black Friday really love the experience. They love the rush of the hunt, getting a good deal, and being involved in this national day of spending frenzy. My point is, some people like myself crave Black Friday all year long like chocolate.

Here are some tips to survive Black Friday if you’ve never experienced it before:

  • -See if the deals are available online first.
  • -Consider Cyber Monday, it’s safer and you don’t have to leave the house.
  • -Comp all your items at one store.
  • -Team up with a friend or co-worker.

What if you hate the crowds and traffic? Most shoppers aren’t aware that you can get some of the same deals in store online on Black Friday. Two years ago I went to Walmart at 1am to stand in line for a red Jeep Powerwheels for my son. Little did I know I could buy the same Jeep online at Walmart for the same price, without the line, lack of sleep, and crazy person standing beside me. Walmart sold them online the entire weekend and I felt silly.

If you aren’t able to find any deals online on Black Friday it could be because your favorite store is holding out for Cyber Monday. Cyber Monday is just like Black Friday, only all the sales are online. Cyber Monday is the Monday after Thanksgiving.

Many people think they need to drive all over town and buy their DVDs on sale at one store and their toys on sale at another. Try to shop at a store that comps other stores sale ads. Collect your Black Friday ads and just visit one store. You can live through one store. Make sure you ask your store ahead of time if they will be comping sale items on Black Friday so you don’t waste time and gas.

To make Black Friday more fun and safer, invite a friend along. You two can fight the crows together and get great deals. Another option is your friend goes to one store while you hit another. She can buy what you want at the toy store while she picks up items on her own list while you get both of your items from the electronics store.

Buying items that are on sale on Black Friday can save you a bundle. Try your very best to buy all your gifts that day and you won’t have to paddle through the holiday shopping crowds again. If you have any tips for surviving Black Friday or any Black Friday stories leave a comment! We love to read comments!

100_4425New winter clothing can be expensive, and it’s one of those things your family just can’t do without.  The bad thing is that most of the clothing you bought your children last year won’t even fit them this year.  Jeans end up being too short while sweaters are too tight.

With today’s economy most families can’t afford to buy all the winter clothing they need new, and many are turning to more frugal options.  I went to Walmart with $20 and bought the cheapest winter clothing I could find for my daughter in size 2T.  I ended up with 2 shirts and 3 pairs of sweat pants that were a few cents under $4 each.  I then took $20 to a thrift store in my area and ended up with 6 pairs of winter pants, 1 pair of pj pants, 3 shirts, 1 dress for spring, and a fireman raincoat for my son.

Budget friendly resources for winter clothing include:

  • -Consignment & thrift stores
  • -Garage Sales
  • -Clothing swaps with friends and family
  • -eBay
  • -Professionally organized consignment sales
  • -Clearance clothing from retail stores

Clothing swaps are becoming more popular with each passing year.  It can be as simple as your neighbor handing down a bag of clothes from her children or as elaborate as a professionally organized neighborhood swap.  If you want to host a swap with your friends, invite several families that have multiple children.   You can ask people to bring all their non-fitting clothes or set a specific amount, such as fifteen items.  Spread the clothes you collect through different room of your house so that your friends won’t have to crowd together while searching for their new clothes.  Give everyone a shopping bag and have fun!  The more clothing everyone brings the more new (to them) clothing they get to take home.

Consignment shops are super!  You can take in the clothing, household items, and toys that your family no longer needs and make money.  Some consignment shops give you credit on the spot, while other shops make you wait until your items sell before they pay you.  If you need clothing right away call shops in your area to see who will give you credit up front.  There are even “consignment events” popping up in larger cities, where the consignment sale lasts just one weekend.  You register, set your own prices, take your stuff, and a week or two later get a check in the mail.

Garage sales are far and few between this time of year but if you’re lucky you can still catch a few.  People want to get rid of their stuff and sell great high quality clothing for quarters.  At the end of the day when people are dreading packing up what they didn’t sell is the time to make them an offer.

Sometimes, if you are very careful, you can get a box of clothing on eBay for just a few dollars.  The only downside is the shipping.  Try to buy clothing from internet auctions in lots shipped in flat rate boxes or shipped Parcel Post.  If you end up being the winning bid at $3 for 10 new pairs of socks, but then you have to turn around and pay $20 for shipping that’s not a very good deal.  Always take shipping costs into consideration before you bid, and ask yourself if they items you are buying are worth the price you will end up paying.  Sometimes you can get fantastic deals on eBay,  just think before you bid.

Retail stores run sales this time of year, and if you must buy new clothing go for the clearance section first.  Keep in mind that you can get cheap clothing in other places and don’t feel forced to make a purchase.  If you find a great deal on a sale item and it’s within your budget, buy and enjoy!

It’s getting colder everyday and budgets are getting tighter.  Even if you can’t run to the mall and buy all the winter clothing your family needs new, that’s okay.  Between thrift stores, consignment shops, a few late garage sales, and clothing swaps you should be able to find everything you need on any budget.  Do you have a resource for inexpensive clothing?  If so, leave a comment!

fallFabulous fall décor fills the stores for the new season. There are artificial and real pumpkins for your porch, beautiful Thanksgiving themed center pieces, and amazing embroidered leaf dish towels. If you’re like me, you want one of everything, but unfortunately don’t have a lot of extra cash to blow on that scarecrow wreath. I’ve discovered that with just a few dollars and a little planning, I can have fantastic fall decorations that look as good as the expensive ones.

You can have a themed yard and still be thrift! Ask yourself what says fall, what do you want your yard to look like, and what is your budget? To me fall is pumpkins, hay bales, fall vegetables, and scarecrows. If you live out in the country, grow your own veggies, or know someone who does you have a head start in fall décor savings. Do you know a farmer? Ask them if you can borrow some hay bales for your front yard. Plop on a homemade scarecrow and you’ll have a cute yard setup that didn’t cost you a dime.

Believe it or not, you can get cheap fall décor from the grocery store. My local chain store has corn in the husks on sale for 3 for $1. When your store has corn on sale buy $1’s worth (or several dollars worth if your family eats a lot of corn), put them in a bowl, and set them out for an instant fall theme. This could work on a hall table, in the kitchen, or even on a coffee table in the living room. Eat the corn when you’re ready, and if it’s still on sale replace it with more corn. It’s not really blowing money on house decorations if you’re going to end up eating it!  The same thing goes with pumpkins, if you want one wait until they are on sale.  If you turn your pumpkin into a pie, it could logically come out of your grocery budget.

I love themed dish towels. I like to have several for each season and place them around the kitchen and in the bathrooms. I could go out and drop $5 a towel (or more) to have towels like everyone else, but that takes up all my spending money. Instead, I buy a pack of the plain towels when they are on sale or clearance, some seasonal fabric, and use my sewing machine to make my own one of a kind creations. Fabric can be expensive if you buy a full yard, but it only takes a small piece to do appliqué designs on several towels. If you can’t sew, cut out your appliqué, and use fabric paint and glues to glue down the edges. Your friends will all want to know where you bought theme!

Seasonal home decorations are one of those items that you can buy this year after the holidays are over, and save for next year. I have a huge box of Christmas decorations I got for 90% off in January that will be coming out this year. You can buy these decorations a year ahead for each season and holiday and re-use them for many years to come. As long as it’s not edible, it’s safe to buy and save for future use.

As always, don’t spend more than you can afford too on seasonal décor and crafts. Set a budget and stay under it. If you have no budget, look around for items that you can use around the house, such as the corn you’re going to eat afterwards. With a little planning, you too can have fantastic fall decorations to celebrate the season.

stampsDo you have a computer in your home? If so you have a money saving opportunity readily available. The computer is often overlooked when it comes to helping you cut costs and get great deals. Saving money with your computer can be just as easy and addicting as check your email!

It’s downright dim-witted to tear up a dollar, but that is what you do each time you mail just two bills. Stamps aren’t free, and the cost of postage rises every May with the rate of inflation. Why not pay your bills online and put that $8.80 you pay for a book of stamps towards your debt. A lot of people don’t feel safe paying bills online, but if you use your bank’s secure bill pay service you should be fine. Another option is to pay on the web site associated with your bill. I pay my cable bill on the cable website by entering my debit card information. It’s fast, secure, and free. If you stop yourself from buying a book of stamps each month, over a years time you will have saved over $100!

Your computer is also a great tool for comparison shopping. I plan on getting my four year old a bicycle for Christmas. I could just go to the toy store and buy one at full price, but I’m way too thrifty to even consider that. Instead I have already started checking several local toy store prices online by visiting their website. I can also check stores like Walmart, Target, and Amazon. I have added several bikes at each store to my wish list and cart for later purchase, and all I have to do is log on to see if one goes on sale. I’ll make my purchase when either I get a free shipping offer from an online store, or my local store has a big sale advertised online.

Anytime I plan on making an online purchase, I always search for “online coupon codes” before I check out. Just enter the store’s name and “coupon codes” and like magic your search results will be filled with discount codes. These codes are just like store coupons, only you type in the coupon yourself at checkout. Often the codes are for free shipping, a free gift with purchase, $10 off a $50 purchase, 30% off, or even up to 50% off. I love virtual coupons just as much as in store coupons!

Your computer can also save you money if you use it to order free samples of products you regularly use, and if you use it to print coupons out to use in stores. If you use your computer to save a little each month, you’ll have a little more money to spend on necessities. Most people are surprised when they realize just how much their home computer can save them, and I would love for you to leave a comment telling me how you use your computer to save money!

My first time to use coupons.Do you ever see that lady at the grocery store buying up all the sale items and using a huge stack of coupons? If you are stuck behind her in the checkout line, her total is above $100 but then after coupons she ends ups paying like $30? That’s me! Me and a million other thrifty shoppers who know how to get the most for our dollar and feed our family for much less than we budgeted.

On TV and in magazines they try to sell you grocery shopping instructions, like coupons are some kind of secret. There is no reason to purchase one of those $100 sheets of paper as everything you need to know is readily available on the web. I am even a member of several online coupon communities. We all help each other find the best grocery and coupon deals, just as WWHOW does.

Every Sunday in my house is known as “Coupon Sunday”. Sunday is the day the coupons come out in the paper as well as sale ads for retail stores. The first thing I do is sit down and clip out the coupons. You don’t have to clip every coupon, but if there’s even a slight chance you might want to buy the item one day, clip it be on the safe side.

Next I look at the retail store ads. You will be surprised how many items you just cut out coupons for are on sale. Keep in mind that grocery store ads come out on Wednesday, so you will need to remember to grab up a set of those too. If I notice that biscuits are on sale at a store and I have a coupon, I whip out my notepad and write ‘Name of store: biscuits .99 ea (coupon .50 off)”. I start getting excited when I have five or more things in my notepad for one store. You will have the longest lists for grocery stores, and maybe only one or two items listed for most retail stores.  If the one or two item stops aren’t worth your trip, either don’t go or take the ad to a store that meets other store’s sale prices.

If you have access to a printer you can check out printable coupon sites. Many times the coupon value on internet coupons are a little higher than the newspaper value. Also print out any buy 1 get 1 free coupons you find! If the item goes on sale in stores buy 1 get 1 free and then you use your coupon, you end up getting both items free.

After I make my shopping lists I organize my coupons. I have way too many coupons, so I use a photo album that holds three 4×6 photos per page

 in little clear slots. Some professional coupon shoppers use sport card books, but unless you have one sitting around they can be expensive to purchase. If you are just starting out a plastic coupon organizer from your local dollar or discount store may be sufficient. You can organize your coupons however you like. I organize mine by type of food and keep household items completely separate. Other people organize their’s by isles in the store or grocery departments alphabetically. You can personalize your coupon organizing as you wish as long as it works for you!

Before you head out to the grocery store make a list of every item you plan to purchase, how much it is on sale for, subtract the coupon, and see your total price per item. You will know how much you are saving, how much you are spending total, and if you need to get a second coupon so you can buy two of the item. I always take a small sandwich baggie to the store also. When I add an item to my cart I put the coupon for the item in the baggie. It makes it easier at checkout not to have to pull coupons out from different slots in my photo album, and they don’t get all scrunched up in my pocket.

At the checkout watch and make sure your items ring up on sale. When the cashier says your total hand over you coupons and watch your savings add up (or subtract) from your total. This is the fun part! Look how much you saved!

The first time you get your coupons set up it may take you an hour or two, but after that you will get faster. If it takes you an hour, and you save $20 by buying items on sale and using coupons, you just made $20 in that hour!

There are a few other things I do to maximize my savings. I try to shop at stores that double and triple my coupons. Several chain stores in my area triple coupons up to .35 and double coupons up to .50. That means if I buy the .99 sale biscuits, and have a .50 off coupon, my coupon is doubled and my biscuits are FREE, plus I get an extra penny back!

The main grocery store I shop at not only doubles and triples coupons, but they also have a loyalty card. Their card not only gets you the sale price, but you can load electronic coupons on to it! I use sites like Cellfire and Shortcuts.com and add electronic coupons on before I head to the store. Often, the electronic coupons are for the same items as the ones in the paper. With my .99 biscuits I used my doubled coupon to get $1 off, and them my electronic coupon to save an additional .50! They end up paying me .51 for those biscuits! With each item you can use a manufactured coupon and your electronic coupon. Remember that your electronic coupons are loaded onto your member card, so you don’t even have to keep up with them.

See the photo? That was from my very first couponing trip. I was shy about using coupons and wanted to start out with just a few things to give it a try. I had 22 items and my total was over $40. After scanning my member card for the sale prices and electronic coupons, and handing over my newspaper coupons, my total went down to $14.44!

Have I inspired you to give coupons a try? If so please leave a comment! I would love to hear from you!

checkbookWhy be frugal? Because you can’t afford not to be. Money is a major worry for people today. Most of us have a lot of bills and still need to have money left over for food and activities.

Being frugal doesn’t have to mean going without your favorite things. You can be frugal and still have that drive through coffee. Your overall goal should be to find a happy medium with your money. What can you substitute or cut out, and what can you absolutely not live without? You want to be smart with your money, make it last, and get the biggest bang for your buck. You also need to be able to put a little away in savings and being frugal can help you do that.

First you should start by taking a look at your current spending and finances. Doing so will allow you to see where your money is going. Write down everything you spend, you may be shocked to see exactly how much you are overspending on things you don’t really need. Compare what you spend to what you make and take note of how much, if any, you are saving. Keep this record for a typical week (or month). Write down everything, every single little purchase and bill.

Next set some goals. How much do you want to save? What “should” you be spending on things like groceries, clothing, entertainment, gas… Make a budget you are willing to stick with. Don’t cut out all of your spending unless you are in major debt. Yes you want to get that debt paid off, but if you set an impossible budget you will go back to your old spending ways quickly.

Now that you have your magic budget numbers I want you to aim to spend below those numbers on your non-necessities. How are you to do this? Before buying anything take stock of what you already own and decide if what you “think” you need is really needed.

When you need new clothes go to the thrift stores first. Unless it’s on clearance buying new can mean being overcharged. Like new clothing can also be found at garage sales, swap meets, and consignment shops. I am always amazed to see clothes with their original sales tags, still brand new, for $2 at thrift stores. When it comes to kids clothing I always buy used as my kids will stain them before we even walk out the door. I also buy clothes a year ahead at the end of the season when they are 90% off. It’s the end of summer and the beginning of fall and stores are practically giving away their summer stock. If you find a really great deal don’t be afraid to buy now in the size your family will need next year.

Before you go grocery shopping take stock of what you have, just as you did with your clothing. You may not need half of what is on your list. If you normally spent $100 a week on groceries aim to spend $85. Cutting coupons, buying what is on sale, going for generic brands, and cooking low cost recipes will add up to big savings. What would you do with an extra $15 a week? Hopefully you want to put it in a savings account, but if not that’s ok too.

Take a look at your budget again. Aim to spend less and save more. You want to be a better spender and more in control of your finances. We’re going to take it one step at a time and before you know it you will be a frugal expert.

42-18763463Have you ever gotten such an amazing deal on say, some shoes or a purse, and you just want to shout to the world what an awesome new item you got? Or is that just me? Well, the best place to do that is WWHOW, which was created for that specific purpose. Pretty much, bargainistas like myself can go shopping, find a steal of a deal, and then post it to their friends that live in their community. You can say where you got that ultra hip handbag, how much it was discounted, and at what store location it was found. Maybe this is just for people like me who are obsessed with bargain hunting and love to gloat, but I will tell you that it is awesome to come home after shopping and finding a great item, only to be able to post it on a wonderful forum for all of your friends to see. And, of course, I expect them to do the same for me!

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