Sales are commonly worded “2 for $x.xx” or “buy 10 or more and pay $x.xx”. Your first though may be “I don’t need ten of those” and you end up buying one. I am often guilty of not looking at the big picture, but have improved on this as of lately.

In December I had a credit at the online store where I purchased my personalized photo holiday cards. If I bought 1-9 cards the price was $1.87 per card. If I bought 10 or more cards the price went down to $1.64. I only needed 9 cards and put 9 in my cart, for a total of $16.83. Just for fun I added a tenth card to my cart to see what would happen to my total. It went down to $16.40! 43 cents savings may not seem like much to brag about, but keep in mind that I got an additional card too.

Another example is my recent trip to Walgreens. I went in and found kids cough medicine 2/$5. I just needed one bottle so that’s all I took up to the register. My one bottle rang up for $4.83. Adding a second bottle double what I took home and only cast a few cents more. Always read the small print to see if you are required to buy a second (or in some cases third) item to qualify for the sale price.

I am noticing volume discounts a lot more often now. If you end up spending less out of pocket why not take advantage of the extra items? Some people may argue that they don’t need the extra items and don’t have anywhere to put extra stuff. My reply is that if it saves you money, there is always room somewhere for what you will use in the near future. Even if you have to store your excessively purchased craft supplies under your bed. Also, just because you don’t want an extra doesn’t mean you can’t give that second bottle of .17 cough medicine to your neighbor.

Next time you buy and are offered a volume discount do the math. Use the calculator on your phone or figure it up in your head. The savings may surprise you! Please feel free to leave any comments you may have.

PICT2323How much do you pay for cable or satellite service? If you spent $45 a month for channels and tv service you are paying $540 a year. Money spend on service such as tv channels is money you will never see again. Cable or satellite isn’t an investment and holds no money, once you spend the money for service, the money is gone and after 30 days you are left empty handed (or channel-less) unless you fork over another $45 for next month. It’s a vicious endless cycle of throwing money away on channels you probably don’t even watch. Those households that spend $100 a month or more are basically throwing away a nice vacation each year for instant channel gratification.

My family can’t live without the cartoon channels. I use it as a babysitter to get dinner done and to keep my kids form killing each other. Most people aren’t aware that satellite companies have small family packages ranging from $9.99-$19.99. All you have to do is call your satellite company and ask for a small cheap family package. The $20 package with our satellite company includes 20 family appropriate channels with several cartoon stations, a home network, educational programming, and even a country music channel.

Surprisingly many families are misinformed and believe that without paying for channels they can’t watch TV on their non-HD television. With a $10-30 digital converter box you will never have to pay for channels again. You will be able to pick up your local channels as well as a few extra you never knew existed. One surprising channel is our area plays 24 hour educational cartoons that we all enjoy.

What if your family just watches the movie channels and not the regular satellite channels you are paying for? Skip paid television altogether and switch the a movie rental service. Blockbuster and Netflix both have services starting at $5 a month along with free trails. Redbox is also a good option as you can rent new releases for just $1 a night at kiosks located around town.

Ask yourself if you watch your paid channels enough to cover the costs of paid TV services. If not, downgrade your account or cancel altogether. Think if the savings. By living a little more frugally and spending a little less each month, you may be able to pay down your debt a little faster or save up an emergency cash fund. Don’t focus on what you’re giving up, instead focus on the savings you gain.

cellphn51002_DYJ08Money is a topic that we all think about daily. How much is in my wallet? Did we pay the trash bill this month? How much is it going to cost me for my son to join the basketball team? How much did I just spend on groceries? As long as you are just thinking about money you probably don’t have a problem. If you are “worried” about money then you may need to make some changes and live more frugally, or cheaply.

Focus on cutting some bills out completely and reducing others. You don’t have to take every suggestion I make to heart, but do consider the suggestions that seem doable for you and your family. This week I’m going to suggest that you take a good look at your phone usage.

Do you have a home phone with long distance service and a cell phone? If so, reduce the costs on one. Use your cell to make your long distance calls and cancel your home long distance plan. If even when you’re home you use your cell phone consider completely cancelling your home phone. Why pay for what you don’t use?

On the other hand, if you hardly ever use your cell and still lovingly use your landline, consider switching your cell to a prepaid phone. You never get a bill in the mail and you pre-pay as needed. The only requirement to my prepaid phone is that I buy a $20 phone card every 90 days. It costs me .10 a minute, and I use it just like a regular cell phone with text messaging, internet, and photo taking. My minutes roll over as long as every three months I remember to buy a new minute card. Instead of paying $40 a month for a cell phone, I pay $20 every three months, which saves me $100 quarterly, or $400 a year. If you pay more than $40 a month for your cell phone your savings would be higher.

There are many prepaid cell phone companies out there. Each company has different costs per minute and requirements so be sure to shop around for the best deals. Some of the most popular prepaid cell phone companies are:

  • -Virgin Mobile
  • -AT&T
  • -TracFone
  • -Verizon
  • -Net10

Prepaid phones can usually do everything regular cell phones can, and basic models start out around $15 at Walmart. Typically prepaid phones also comes with minutes included, so it’s like getting the phone for free.

If you worry about bills, or just want to save money, reduce or omit the bills and services you can live without. Look at your phone usage and see if there’s any changes you can make. Little changes here and there add up to big savings! If you have any frugal tips, or if you enjoyed this post, please leave a comment! We love to read comments!

100_0074Many people shop online, but few use online promotional and coupon codes. Either online shoppers are unaware that these money saving coupons exist, or they don’t know how to find them.

Last Monday I decided to buy Medieval Times tickets for my family of five. I went to the Medieval Times website, entered in our information, and was stunned to see that tickets would be almost $300! I did find a few coupon codes on the Medieval Times website, but they only brought my total down to about $200. I opened a new internet search page, typed in “Medieval Times coupon codes” and up popped several results. In about 3 minutes I was able to find a code that was good for buy 1 get 1 free tickets. By entering in the promo code my total came down to $107 including all taxes and fees. In five minutes total I saved myself almost $200, or around 60% of the ticket costs.

Whether you call them promo codes, discount codes, or coupon codes, these money saving codes are available for almost every shopping site you can think of. You may find them on the site you are shopping on at the top of the screen, as a pop up, or on a special sale page. There are also many promo code websites that keep a running list of codes for stores. Some sites will have five, ten, or even fifteen codes for a single site.

What can these promo codes get you? Each code is different, but the most common benefits are:

  • Free shipping
  • 10, 15, 20, or 25% off
  • Buy 1 Get 1 Free items
  • Free gifts with purchase
  • Dollar amount savings such as $5 off, or $5 off of $50

You may have several to choose from, but pick the code that would save you the most. What happens if the code does not work? Sometimes you enter a code and nothing happens. That’s ok, just try another!

Before you check out on any website, always take a minute or two to search for a promo code. $5 may not seem like much of a savings, but if you saved $5 or got free shipping on every online purchase you made your savings would really add up! We love to read comments, so be sure to say hi if you enjoyed these tips and feel free to leave some savings tips of your own!

calculatorElectric bills rise as the temperature drops.  It’s a sad sad fact.  The colder it gets the warmer we want it inside our homes.  During the hot summer months we dream of 60 degrees but in the colder months we set our thermostat close to 80.  There are many things you can do to gain control over your electric usage.  It’s time to stop fearing our electric bills and start being smarter with how we spend our money.

When you turn your thermostat up high, imagine what you are doing to money in your wallet.  With every degree you might as well put five dollars in the trash.  You will never get your money back on electric costs.  Once you turn on a light switch and light your living room that electricity and money is gone forever. 

Here are some easy ways to save electricity and lower you electric bill costs:

  • *Replace traditional bulbs with energy saving CFL bulbs.
  • *Wear a sweater instead of pushing the thermostat up.
  • *Clean the lint and dust out of your air filters.
  • *Unplug charges, DVD players, microwave, and other electronics when you aren’t using them.
  • *Don’t turn on the lights during the day.
  • *Hang blinds and drapes over windows to help with insulation.
  • *Stop drafts, if you feel a cool breeze by the window caulk it.
  • *Turn down the temp on your hot water heater.
  • *Set your fridge and freezer to the factory recommended settings, not the coldest setting.
  • *Set up your computer to go into sleep mode after five minutes of *inactivity.
  • *When buying new electric gadgets and appliances try to choose one with the Energy Star logo.
  • *Fix water leaks.   If you have a well it uses electricity to pump water to your house.

Sounds easy, right?  Well it is.  Doing just a few of these things will give you a little savings each month.  Do them all and see bigger savings.

One often overlooked way to save on energy is to call your electric company and make sure you have the lowest rate they offer.  My electric company has almost ten different plans with ten different rates.  There are plans with two year committment contracts that cost MORE than month to month plans.  Don’t get suckered into a contract with an offer of a free t-shirt or new thermostat, choose the rate that is the lowest and go buy your own t-shirt.

There are many ways to save electricity and lower your electric bill.  Look around your own house and maybe you can find even more ways to save money.  Once you get started and see the savings on your bill you will want to work harder to lower your costs even more.  If you have more tips for saving money on electric bills be sure to leave me a comment!

Do you buy your lunch everyday? If so brown bagging it can save you a bundle. You work hard for your money and need to make every dollar stretch, and taking your lunch can add up to big savings.

If you spend $5 a weekday eating out, in a week you’ve spent $25, in a month $125, and in a year a whopping $1500! Your wallet would be a little thicker if you took inexpensive home prepared lunches to work. If you are a fast food junkie, and you started taking your lunch just one day a week, in a year you would still save $260. Again, this is estimating you spend $5 on lunch, if you usually spent more on eating lunch out, you will save more by bringing your lunch.

Plan ahead for your lunches. When you go to the grocery store have a list of lunch items you will need for the week. If you are thrifty you will be able to take a complete lunch for around $1. Even if you end up spending $10 on lunch items for the week, that’s only $2 a day, a $3 savings per day over fast food.

Some inexpensive lunch options are:

  • -Sandwiches
  • -Soups
  • -Salads
  • -Fruit
  • -Veggies
  • -Wraps
  • -Leftovers
  • -Microwave options costing around $1
  • -Instant ramen noodles in a cup

Do you hate sandwiches? Maybe you just dislike plain sandwiches, try sprucing your lunch up with fancy bakery bread from the grocery store. Bakery bread, or even buns, can be around the same price as a regular loaf of bread.  Also try a new sauce instead of plain old mayo or mustard.

There are other options besides sandwiches. The day I took a potato to work was the day I had grown men following me around drooling over my sacked lunch. I had pre-baked the potato, heated it up at work with butter and cheese, and added sour cream. Other frugal non-sandwich options are soup, salads, wraps, leftovers from the night before, ramen noodles, and those budget TV dinners you see on sale for around $1.

Are you the kind of person who loves their side dishes? Cheese, fruit, salad, veggies, applesauce, yogurt, raisins, and chips are easy and inexpensive if bought the right way. Never buy the individual serving sizes, always buy the bigger size and repack in sandwich baggies or little re-usable containers. It’s also cheaper and healthier to make your own salad rather than buy prepared ones.

Bringing your lunch from home not only saves you big bucks, but can also save you time. You don’t have to leave the office, commute, stand in line at a food restaurant, or come all the way back. Just pull out your lunch, heat if needed, and enjoy! Putting your lunch together at home can take a few minutes, but if you pack it the night before or pack several days worth at once at the beginning of the week you won’t be rushed in the morning. Soon you’ll discover that taking your lunch not only saves you money, but it tastes good too!

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!

shopThe whole beauty of the WWHOW website is the fact that you do not have to do any of the foot work in your shopping research. As a complete bargainista shopper, I can tell you that this makes a huge difference to me in having to hit the pavement because I can look on the WWHOW listing in my area to check out what kind of shoes, clothes, or beauty products are on sale. The thing that gives this a huge benefit even over scoping out regular websites on the Internet is that the postings on WWHOW will tell you what percentage that you are saving because of another shopper’s research.

This is almost a double edged sword for me because when I find out what kind of a bargain I’m getting, it doesn’t really matter what the item is! So if a deluxe set of tweezers is 75% off at Walgreens, I am much more likely to buy it because of the savings, even if I have multiple sets of tweezers at home. I have a sickness…

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