Author: ThriftyMomma

TMR Frugal Living Tip #98- Raise Insurance Deductibles

Today’s thrifty living tip is to raise your insurance deductibles. This one can save you as much as $200 a year depending on your rates. I know I saved us about $220 yearly by raising our auto insurance from $500 to $1000 each. Our auto insurance rates are pretty high living in Louisiana compared to many other states and ditto on house insurance. We can thank the hurricanes for that one. I also raised our home deductibles which also saved us another $300 a year. That is an extra $50 a month.

I do get a small discount for paying the house insurance premium annually instead of monthly. I also switched our automobile insurance to Allstate and saved us over $70/month! That is a huge savings! I am now sticking that money into savings to help boost our emergency fund. We already have our deductibles covered in savings.

Your savings will vary and it might not be worth it for you. It never hurts to investigate just to see are you getting the best rates you can. Wouldn’t an extra $25 or more a month be nice in your wallet instead of theirs? I know I am glad I switched our insurance and much rather have that extra $70 in my pocket monthly.

HOT $1/2 Powerade Printable Coupon


This Powerade Coupon is still available! It doesn’t come up often so hurry to Print the new Powerade Coupon!

It’s good for $1/2 32 oz Bottles of Powerade. It says “rite aid” on it, but not “redeemable only at Rite Aid” so should be able to use anywhere. You can usually find them for around $1.50 each but even better if your store doubles as you might be able to snag them for FREE! It does print twice.

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I Spent $13.18 at CVS for $75.80 in Sale Items!

 

I had to get a rain check from the Nature Relief as the store only got a couple in and were out after the first day. They did honor my $8.99 ECB it should have printed. On Saturday I bought the Blink Tears and used my $10 off ECB from the Gillette promotion. I had the $1.oo off coupon. I bought 3 of the M&M candies so I could have a little room as they will not let you have overage. I always buy a cheap filler item. They were marked B2G1F.

My subtotal was $0.37 cents and I paid $0.87 cents in taxes for a grand total of $1.24! I got $8.99 ECB back! (total savings 15.19!)

Then on Sunday April 29th I found the Nature Relief so I grabbed it as it was the second to last on the shelf. I did two transactions.

Transaction #1

I used my rain check and bought 4 Mentos gum (99 cents each) and a filler. I had (2) coupons for $1/2 and the $1 on Nature Relief. Subtotal was $0.42 and I paid $0.82 cents in taxes for a grand total of $1.24! I got back $8.49 ECB!

Transaction #2

This is too long to list but I got the Pantene 2/$6.97; Colgate Spinbrush, Cover Girl, Colgate Toothpaste, and Dawn Dish Liquid. I had Pantene BOGO; and a good bit of coupons plus I rolled the $8.49 ECB. I could have broken it down but I had a big ECB to use so I didn’t mind paying $9.40 after taxes! I saved $30.29 plus I had $8.50 in ECB’s but several smaller ones.

Then on Monday I had to pick up my son’s prescriptions so I bought one more of the Colgate toothpaste plus 2 more Mentos gum. I had the 50 cents Colgate coupon and another $1/2 Mentos  Pure gum. I rolled the $2.50 ECB.  My subtotal was $0.98 cents and I paid $0.32 cents in taxes for a grand total of $1.30! I received a $2.50 ECB. (total savings- $5.59)

I spent a GRAND TOTAL- $13.18!!!  I bought $75.80 in sale items and I still have $8.50 in ECB’s to use!

My total savings was $62.62 which is 82% savings!!!!

My store is out of the Nivea hand cream so I’m hoping to snag 2 of those. I can use many of the purchases from Transaction #2 for the P&G Rebate Form!

How did you do this past week?