Category: saving money

Pocket Change-Add It Up!

I never used to have a lot of pocket change since I hardly ever used cash. In the past year, we have used cash more than our debit card, and it really does add up. Some financial experts estimate that most people can save $40/mo from just their change. We have been saving over $50/mo the last 4 months. To get the most back is to never use change even if it’s for a few pennies. I don’t do that but I keep 4 pennies in my wallet so that way I never get them back and always nickels or bigger coins.

So what to do with all that spare change? Anything you like but here are some good tips. I am currently saving for our vacation next year. It won’t pay for much of it but mainly food and spending money. Also, you can save Christmas or gifts in general, a fun day out, eating out, or use it to help pay down debt. I know some people save theirs for something they normally wouldn’t buy, or to help pay for an upgrade like a new appliance or piece of furniture. You can also use it to help save for your kids college funds. $30-50 a month might seem like much but if you did average $40/mo that is a total of $480 a year. Not too shabby if you ask me. Those pennies really do start to add up over time.

I can keep my change in a designated jar with a slit and it’s not too easy to get into which is good so it’s less tempting to steal from it. Some people use mason style jars with a lid with a slit cut in the top, those bigger 5 gallon water jugs, soda bottles (the 2 liter kind) or anything. It’s a great way to recycle. Now some are asking what’s the easiest way to cash my change? I’m very fortunate to have a bank that doesn’t charge me a fee where I can bring my jar, and they will dump it in a counting machine. I do have to deposit it in my checking but that’s fine with me. Some people sit down and roll them. There are also those Coinstar machines but if you don’t want to get hit with fees then you have to convert it into a gift certificate. They have vendors like Amazon, Disney Shopping online, ITunes, Circuit City, JC Pennys, Borders, AMC, Old Navy, and more. This is a good option if you plan on using it for gifts or want to buy something at one of these stores.

I think if you plan on a goal and then get a jar started, it will give you more motivation to save as you see the amount growing. I think a clear container is visually the best to literally see your savings grow. This is also great to try and get the kiddos involved. I also don’t put dollar bills in mine and kept strictly as a change jar. Everyone can do their own as they want which is great. What I like to do is take out any leftover money at the end of a year from the envelopes to use for our Christmas gifts. Happy collecting!

A Rebate & Coupon Chat

Clipping Coupons

We are all trying to save money in today’s economy. How do we stretch more of our dollars? I use coupons and rebates to S-T-R-E-T-C-H my dollars further, and I enjoy the thrill of the hunt. Below are great tips I have listed on how I save more money on this coupon chat.

Now granted buying store brands or using a homemade alternative (think cleaners) is cheaper, but there are many times I can get name brand for either Free or much cheaper than the store brands.I say why not if you are getting the items for free.

Another really great tip is not to be brand loyal. I do have certain brands I like more than others, but trying new brands can help save money. There are times that I liked the other brand more than my usual favorite brand. I don’t buy too much convenience food or condiments. They aren’t healthy and it’s usually cheaper to make your own  version from scratch. I can substitute healthier items such as whole wheat or extra vegetables into a meal.

I don’t have access to really great supermarkets like Kroger’s, Albertson’s or  Save-A-Center, but I still manage to find great deals with the stores I do have access to in my small town. I have 3 local family owned stores and a Super Wal-Mart. I am not fortunate enough to have a store with double coupons except for Fred’s Dollar Store. They only take coupons up to 65 cents and 1 coupon per item. I find I save more with CVS and Walgreens.

So where do I get all these coupons other than the Sunday paper? I buy certain coupons off ebay, I post on coupon forums, and other coupon clipping sites where you pay for their time to clip them. You can also trade them on these coupon/rebate sites. There are lots of sites but I have a few sites that I like to frequent and get coupon previews so I know if I should bother buying the paper or save my money. I also get coupon inserts from the paper recycling bin. It’s easy access (no digging in dumpsters or climbing) and free for anyone. I take a couple which are usually right on top when I’m dropping off my papers already. It’s right down the road from my house. I can’t always count on it, but I usually get extras each week. Some stores will even give you the coupon inserts on old papers if you ask. This will depend on the store and area. Another great place to get coupons is your local library. Many have coupon trading groups. If your library does not, then try to start one.

I don’t save hundreds of dollars off a single shopping trip, but I do save enough to make it worthwhile. To save the most is to combine a rebate with a coupon. Walgreens and CVS will allow you to use one manufacturer coupon along with one store coupon per item. I also shop at Rite-Aid and do their rebates each month. It’s a great way to earn some free stuff which I also use as presents or donate the extras.

Listed below are some great websites and just copy/paste the links into your browser. Enjoy! What are your favorite coupon sources?

<a href=”http://www.mycoupons.com/boards/”>My Coupons Board</a>

<a href=”http://www.hotcouponworld.com/forums/index.php”>Hot Coupon World</a>

<a href=”http://www.fatwallet.com”>Fat Wallet</a>

*This is a great coupon clipping service. They are fast and have a great variety.

<a href=”http://thecouponclippers.com”>The Coupon Clippers</a>

*This is an online site or you can also join to get a paper subscription but I am a member of the online only. Lots of great deals/info posted here.

<a href=”http://www.refundcents.com”>Refund Cents</a>

Walgreen’s Save $5/20 Coupon Friday Only!

Walgreen’s has put up another $5/20 coupon for Friday June 13th only! If anyone is buying the new WCares Lil Kinz animals then don’t forget to use this coupon. They upped the price at mine to $9.49 which was $6.99. They couldn’t keep them in stock so of course raised the prices. I will be only buying 2 of them and a little small item to get my pre-tax total to over $20. Have fun shopping! Just copy/paste the url below in any browser to get the coupon.

Click Here for the Walgreens Coupon!

Update to the Eyglasses We Bought Online

So here is a quick update from my post When it Rains it Pours. I received both pairs of glasses in two weeks. You receive a case and a microfiber cleaning cloth. It’s an extra freebie that is a nice touch. I bought hubby two pairs of the Memory Titanium Frames and I opted for the extra Anti-Reflective coating for $4.95. My husband loves his new glasses. He told me that they were so light that he hardly feels them on his face, and the lenses are very clear. I paid $68.xx for two pairs with $4.95 shipping. I would definitely purchase from them again. Now the only complaint I have is to be careful you aren’t buying the wrong sex frames. I got his first model from under the men’s frame section, but the second pair I went under the Memory Titanium. I’m almost positive that we ended up with a pair of female glasses as they look great on me. So I need to call them and ask if they will put in new lenses with my prescription. Oh well but it’s his fault since he picked them out.

From their website here is what they include with each frame:

High quality stylish frame
Thin and Light 1.57 index lens
Anti Scratch Coating
Full UV Protection
Lens edge polishing and beveling
Quality Hard Eyeglass case
Microfiber Lens Cleaning Cloth
Full Guarantee

I will also say that the case is not that great of quality but it’s not terrible. It’s more of a plastic and not that hard of a plastic either. Again it’s a minor detail, and these frames are very inexpensive. I priced the cheapest pair of Titanium frames at Wal-Mart and just the frames were $108! YIKES! I don’t know how well the frames will hold-up, but I’m very confident that my husband will get good use from them. Just go to ZenniOptical.com for more info.

Tupperware is Having a Summer Sale!

Tupperware is having a great sale on summer items this month. There is a great item that I just ordered, and it’s the Tupperware Impressions Dining Set. It’s 50% off which includes 20 great pieces of the following:

4 Dining Trays
4 Refrigerator Bowls w/ seals (16oz each)
4 Microwavable Bowls w/ seals (20oz each)
4 Impressions 110z Tumblers (with Drip-Less straw lids)
4 Snack Cups w/ seals (4oz each)

The dining trays are perfect since they have the different compartments and look like school trays. They are a pretty shade of blue. There are also great sales on the Impression 3 bowl set as well as the 2QT pitcher. Click on the link below to see all the great sales. Interested in a Summer catalog then you can look at the current ones online. That is a great feature plus you can have online parties and send gift certificates online to friends or family members. Tupperware is definitely making it easier for busy people on the go. Online parties are a great way to invite friends/family members from anywhere in the 48 US States. Each hostess will have 2 weeks for the party, and all you need is a first name plus their email address. Tupperware sends the invite and you can send out reminders when the party is 2 days away from ending. It’s so easy and if you receive $200 or more in orders then Tupperware sends you an online gift certificate for $20 or 10% of your total sales. So if your final tally is $300 then you will receive $30 in FREE TUPPERWARE! You must have at least $200 in sales to receive an award.

Click Here to See the Tupperware Sale!

Walgreen’s Save $10/30 Coupon Friday Only!

Walgreen’s has a $10/30 coupon good for Friday May 31st only. There is a great deal on a fan listed at $29.99 plus it has a $10 rebate then you use the $10 off coupon to pay $9.99 plus tax! I would add a small item like a candy bar or gum to just get the total over $30 since some cashiers are funny about the pre-tax total under $30 even if it is a penny. Some won’t care but some will.

Who Doesn’t Love a Freebie?

I love opening my mailbox daily and instead of seeing piles of bills, I get lots of free samples and coupons. It’s like getting a little present in my mail. I know it seems a little silly but getting free samples is a good way for me to try new products without having to purchase it first, some samples come with coupons, and I use some of them when I travel. I also like to put the small tubes of lotion in my purse and some samples (mainly the ones that come in tubes or small jars) can last me a few months esp lotions. It’s funny but I tend to use it sparingly compared to the huge bottles. I like the challenge of seeing how long I can make it last.

Another thing I like to do with some free samples is to keep them for gift bags. Every Christmas I get gift bags, baskets, and other ways to put many kinds of health and beauty products and fill them up. I make them decorative esp the the baskets but it’s fun putting big bottles along with small bottles of lotions, body washes, and shaving creams along with razors. My nieces (teenagers) love the bags full of goodies. My sister-in-law also loves them esp body washes and bubble bath. I usually spend less than $5 and they are always amazed at how many items are in the gifts. I’ll get into more detail with this on another post but I shop all year long and collect samples all year as well. I also donate samples along with full size products to my Church, local women’s shelter or the troops overseas. I like to send a care package at least twice a year to the soldiers. I also send one just for the females. You can pack a lot of stuff in those flat rate boxes.

Now I will share some sites that I regularly visit to get my samples. If you know of any sites that aren’t listed then please let me know in a comment. Thanks and I’m always looking for great sites.

Walmart

Big Big Forums

MyCoupons Just Freebies Shopping Board

Fat Wallet

Start Sampling (you must join as a member)