Everyone in my family loves bananas. We buy so many of them at the store that they sometimes become too over-ripe before we get to eat them. Rather than throwing them in the garbage, freeze them! Once they become a little too spotted for my liking, I peel them, cut them into thirds, and place them in a container in the freezer.
There are plenty of good uses of a frozen banana. Here are two:
1. Place a dessert stick in one end of a piece of banana. Freeze. Eat as a frozen treat.
2. Use the frozen portions to make your own smoothies. Stay tuned for my favorite homemade recipe.
Thursday, June 30, 2011
Money Saving Tip #90: Wash Your Dish Sponge
Instead of tossing your dish sponge in the garbage every couple of weeks, wash it and re-use it. My husband and I will put our sponge in the dishwasher and let it wash alongside our dishes. We can get several more weeks of use out of our sponges.
Money Saving Tip #89: Don't Buy "Dry Clean Only"
I fully support buying quality clothing in an effort to get more use out of your items. However, I discourage you from buying items that must be dry cleaned only. Getting clothes dry cleaned can cost a lot of money. The cost comes in the clothing, tip (optional), and fuel cost in dropping off and picking up your clothes.
You can buy dry cleaning supplies at the store, but these can be quite costly too. Buy clothing made of fabrics that you can wash yourself.
You can buy dry cleaning supplies at the store, but these can be quite costly too. Buy clothing made of fabrics that you can wash yourself.
Wednesday, June 29, 2011
Money Saving Tip #88: Should You Buy a Water Heater Blanket
We recently had to replace our water heater for our home. While the plumber was here, I asked him about the effectiveness of a water heater blanket. He said that water heaters are designed with internal insulation, so unless you have a very old water heater, it is a waste of money. They cost anywhere from $20-$50.
He said to touch the drum. If it feels very hot to the touch, you may have an old unit and may need to cover it with a water heater blanket.
Water heater blankets are available for both gas and electric water heaters. However, he cautioned ever putting one on a gas water heater.
He said to touch the drum. If it feels very hot to the touch, you may have an old unit and may need to cover it with a water heater blanket.
Water heater blankets are available for both gas and electric water heaters. However, he cautioned ever putting one on a gas water heater.
Tuesday, June 28, 2011
Money Saving Tip #87: Hang Dry Some of Your Clothes
Cut down on the amount of time and electricity your dryer needs to dry your clothes by reducing the amount of clothes in your dryer. Instead of putting my jeans in the dryer, I hang dry them inside my house. I either drape them over my shower or towel rack.
If your neighborhood allows you to have a clothes-line in your backyard, you can hang dry all your clothes and linens.
Places like Target and Bed, Bath and Beyond sell clothes drying racks that you can set up easily in your room or over your bathtub.
If your neighborhood allows you to have a clothes-line in your backyard, you can hang dry all your clothes and linens.
Places like Target and Bed, Bath and Beyond sell clothes drying racks that you can set up easily in your room or over your bathtub.
Money Saving Tip #86: Call the Doctor for Advice
Office visit co-pays and prescription medication can be quite costly.
If you, or one of your kids, is feeling a little under the weather, try calling your doctor's office for advice before you schedule an office visit. The doctor or nurse can give you some possible treatments and remedies over the phone. He or she can also tell you if the condition is "going around."
The doctor or nurse will tell you to schedule a visit if the condition worsens or doesn't get better.
If you, or one of your kids, is feeling a little under the weather, try calling your doctor's office for advice before you schedule an office visit. The doctor or nurse can give you some possible treatments and remedies over the phone. He or she can also tell you if the condition is "going around."
The doctor or nurse will tell you to schedule a visit if the condition worsens or doesn't get better.
Money Saving Tip #85: Movie Night at Home
When you visit the local movie theater, each person is charged for admittance. Save that money and rent a movie instead. Renting from the Red Box only costs $1.00 for a 24-hour rental. So, renting a movie for your kids and another one for the parents is still significantly cheaper than going to the movies.
Netflix is also affordable too. If you purchase the Watch Instantly plan, you can watch as many movies through your television or computer for about $8.00 per month. Visit their website for more details on how to play movies instantly.
Netflix is also affordable too. If you purchase the Watch Instantly plan, you can watch as many movies through your television or computer for about $8.00 per month. Visit their website for more details on how to play movies instantly.
Money Saving Tip #84: Unplug Your Cell Phone Charger
It doesn't take all night to charge your cell phone. Depending on your phone, it probably only needs to charge for about an hour. When you leave your charger plugged in, it is still drawing some electricity.
Money Saving Tip #83: Make Your Own Baby Food
Let's face it, baby food is expensive, especially if you buy the organic variety. I have been making my own baby food for my last 2 children. I have saved lots of money doing so. The process is not hard, and you don't need to buy any "how-to" books to do it.
If you have a food processor or blender, you can make you own baby food for a fraction of the cost. I bought a butternut squash at the grocery store for $3.14. I used that squash to make more than 27 ounces of baby food ($0.11 per ounce).
Visit your produce section of the grocery store. Select the fruits and vegetables you want your baby to have. If the item is already soft like a banana, strawberry, or avocado, all you need to do is mash it with a fork and serve. If the item is firm, like potatoes, broccoli, cauliflower, or carrots, you will need to soften them first. You can do this several ways. I like to bake/roast the vegetable until it is fork tender. Then I either use a fork to mash or put it in my food processor to puree. Once I have finished, I pour individual servings into an ice cube tray and freeze. When I need to serve, I take a few cubes out, defrost, and serve to my little one. You can even mix the foods like broccoli, cauliflower, and carrots. 
Sunday, June 26, 2011
Money Saving Tip #82: Use Less Shampoo and Conditioner
When it comes to shampoo and conditioner, most of us use far too much. We like the idea of making for absolute sure that our hair is clean and softened. In truth, we only need to use about a quarter size amount of both shampoo and conditioner for average length hair. My hair falls about 3 inches below my shoulders, and ths amount is perfect.
Another tip for using shampoo and conditioner is knowing where to apply it. Shampoo should be applied around the scalp, but not the length because it can dry out your hair. Conditioner, on the contrary, should be applied to the length, not around the scalp. I apply conditioner below my ears and down.
Another tip for using shampoo and conditioner is knowing where to apply it. Shampoo should be applied around the scalp, but not the length because it can dry out your hair. Conditioner, on the contrary, should be applied to the length, not around the scalp. I apply conditioner below my ears and down.
Money Saving Tip #81: Dilute Juice for Your Kids
If you give your kids juice, dilute it by giving them 50% juice and 50% water. Most times, juice is so sweet anyway, so this will help.
Money Saving Tip #80: Borrow or Download Books For FREE, Don't Buy
Books come in many different forms. You can read a hardcover book, softcover book, audio book, and even through the use of an electronic device. Many people are shifting to digital books on their Kindle, tablet computers, and smartphones.
Borrow a book from your library for free. Many libraries have a website. On the website, you can browse books, reserve books, and even have a particular book delivered to the library closest to your house. Most libraries let you borrow a book for either 2 or 3 weeks. If you are getting close to the due date, you can even extend the due date another 2-3 weeks depending on the reserve list.
What many people may not know is that some libraries have the capability to downlad books onto your computer, tablet computer, or smartphone. Their download is free. The App I have on my device to download books is Overdrive.
Through iTunes, I can download hundreds of books for free. Just do a search incluing the word, "free."
Borrow a book from your library for free. Many libraries have a website. On the website, you can browse books, reserve books, and even have a particular book delivered to the library closest to your house. Most libraries let you borrow a book for either 2 or 3 weeks. If you are getting close to the due date, you can even extend the due date another 2-3 weeks depending on the reserve list.
What many people may not know is that some libraries have the capability to downlad books onto your computer, tablet computer, or smartphone. Their download is free. The App I have on my device to download books is Overdrive.
Through iTunes, I can download hundreds of books for free. Just do a search incluing the word, "free."
Money Saving Tip #79: Re-Use Ziplock Bags
Just because you use a ziplock bag once doesn't mean that it must be thrown away once you are done with it. Simply wash it out using a sponge and soap. Open it up to dry. I like to dry mine out on my baby bottle drying rack or on my knife block.
If, however, you use a ziplock bag to marinate meat, don't wash it out. Throw it in the trash.
Money Saving Tip #78: Buy Quality Laundry Detergent
If making your own laundry detergent is not your style, don't buy the cheap brands. In the past, I thought I would save some money by buying those cheap bottles of laundry soap hoping for the same results. What I found was that these brands water down their products so that your clothes don't get as clean. What I ended up doing was using more product to get my clothes clean.
After washing my clothes with more cheap soap, I found that I could use less of a better product and get great results.
After washing my clothes with more cheap soap, I found that I could use less of a better product and get great results.
Saturday, June 25, 2011
Money Saving Tip #77: Set Money Aside for Big Purchases
If you are planning on purchasing an item that is going to cost several hundred or several thousand dollars, start planning ahead. Put a little money aside each time you get paid to go toward that purchase. If you put that money into a savings account, you can earn a little interest on what you deposit.
Last year, while pregnant with my 3rd child, my husband and I decided to buy a new digital camera. We wanted to have it before the birth of our son. Knowing that we had about 4 months to plan, I found the camera I decided to buy. Knowing the cost ahead of time, I put about $50 aside from every paycheck until I had saved enough to buy the camera.
If I had gone out and purchased that camera without planning ahead, it would have been devasting to my checking account.
Last year, while pregnant with my 3rd child, my husband and I decided to buy a new digital camera. We wanted to have it before the birth of our son. Knowing that we had about 4 months to plan, I found the camera I decided to buy. Knowing the cost ahead of time, I put about $50 aside from every paycheck until I had saved enough to buy the camera.
If I had gone out and purchased that camera without planning ahead, it would have been devasting to my checking account.
Money Saving Tip #76: Dishwasher Detergent Recipe
You don't have to buy a Palolive or Cascade to get your dishes clean in your dishwasher. Make your own dishwasher detergent / soap. I have used this recipe, and my dishes come out just as clean.
Combine equal parts baking soda and borax. Pour in about 2 tablespoons into the dispenser and start. Don't forget to omit heat dry.
To reduce the water spots on your dishes, add distilled white vinegar to the Jet Dry dispenser.
Combine equal parts baking soda and borax. Pour in about 2 tablespoons into the dispenser and start. Don't forget to omit heat dry.
To reduce the water spots on your dishes, add distilled white vinegar to the Jet Dry dispenser.
Money Saving Tip #75: Eat More Fiber
Another benefit to fiber is in your "pipes." Fiber keeps you healthy and flushes out bad stuff that you may eat. Maintaining a healthy lifestyle will save you money.
One of my favorite snacks (or even breakfast) is a peanut butter tortilla wrap. I take a Mission: Carb Balance tortilla and spread peanut butter on one side. Then I roll up the tortilla for an easy portable snack. This wrap will give you all your recommended daily fiber intake (25 grams for adults). This will cost you about $0.65 per peanut-butter filled wrap.
Money Saving Tip #74: Adopt, Don't Buy a Pet
Most people think that kittens and puppies are simply adorable. And, I couldn't disagree more. If you are thinking about bringing a pet into your family, consider your local pet adoption agency.
Adopting your pet is saving it's life. Very often, these animals display a true sense of appreciation for you coming into their lives. Purchasing a pure breed animal could be very expensive. My local shelter charges less than $100 to adopt a pet, and this fee includes a spay or neuter and a microchip.
I found that adult pets adjust better into families because they have grown out of the puppy or kitten stage, are usually potty-trained, and even pretty laid back.
I recommend researching the different breeds and decide which ones would best fit in your family. Try not to limit yourself to one type of breed. Be flexible.
Adopting your pet is saving it's life. Very often, these animals display a true sense of appreciation for you coming into their lives. Purchasing a pure breed animal could be very expensive. My local shelter charges less than $100 to adopt a pet, and this fee includes a spay or neuter and a microchip.
I found that adult pets adjust better into families because they have grown out of the puppy or kitten stage, are usually potty-trained, and even pretty laid back.
I recommend researching the different breeds and decide which ones would best fit in your family. Try not to limit yourself to one type of breed. Be flexible.
Money Saving Tip #73: Prevent From Getting a Tax Refund
I know that many people rely on their income tax refund check every year to pay off their Christmas debt. But, what you have done was give Uncle Sam an interest free loan on your money.
Adjust your withholdings so that you get back as little as possible (if any). Getting back a large sum of money means that you had your employer take too much out of your paychecks. Keep that money in your pocket.
You wouldn't loan a complete stranger thousands of dollars without incurring fees and interest, so don't let the Federal and/or State Government borrow your money for FREE.
Adjust your withholdings so that you get back as little as possible (if any). Getting back a large sum of money means that you had your employer take too much out of your paychecks. Keep that money in your pocket.
You wouldn't loan a complete stranger thousands of dollars without incurring fees and interest, so don't let the Federal and/or State Government borrow your money for FREE.
Friday, June 24, 2011
Money Saving Tip #72: Have Your Own Return Policy
Just because you buy something today doesn't mean that you are stuck with it forever. I have my own version of a return policy. If I buy something, but I have second thoughts about the purchase, I return it to the store.
Put the item and receipt in your car so you remember to return it once you get into your car.
Put the item and receipt in your car so you remember to return it once you get into your car.
Money Saving Tip #71: Read Your Newspaper On-Line
Many people are opting for reading the latest news on the internet rather than on an actual newspaper. A newspaper subscription can be pricy, but reading it on the internet is free. I still get the Sunday newspaper delivered to my home for the coupons and advertisements, but I read the news on-line.
This will also reduce the amount of trees that are cut down each year.
This will also reduce the amount of trees that are cut down each year.
Thursday, June 23, 2011
Money Saving Tip #70: Children's Consignment Sales
When it comes to buying clothing for children, consider a second-hand store or sale. Children grow so fast, so they need more clothes all the time. Rather than buying new clothes for my kids, I take advantage of consignment stores and the bi-annual consignment sales.
Consignment Stores are usually open year round. These stores sell gently used clothing, toys, furniture, and baby accessories. They also buy your used stuff as well (as long as it's in good condition).
Consignment Sales usually take place in the fall and spring. The sales near my home usually take place at the Fairgrounds or a local church. These consignment sales are the best places to get great deals. They usually take place for about 4 days (Wednesday through Saturday). The prices for each item of clothing usually ranges between $1.00-$5.00. On Saturdays, most items are half price.
When I first discovered Consignment Sales, I loaded up my SUV full of baby clothes and baby accessories (including a baby swing, stroller, and car seat) for less than $200.00. You can search for these seasonal sales on the internet. Once you attend the sale, you can usually add your name to the mailing list so you are notified the next time of the dates.
Consignment Stores are usually open year round. These stores sell gently used clothing, toys, furniture, and baby accessories. They also buy your used stuff as well (as long as it's in good condition).
Consignment Sales usually take place in the fall and spring. The sales near my home usually take place at the Fairgrounds or a local church. These consignment sales are the best places to get great deals. They usually take place for about 4 days (Wednesday through Saturday). The prices for each item of clothing usually ranges between $1.00-$5.00. On Saturdays, most items are half price.
When I first discovered Consignment Sales, I loaded up my SUV full of baby clothes and baby accessories (including a baby swing, stroller, and car seat) for less than $200.00. You can search for these seasonal sales on the internet. Once you attend the sale, you can usually add your name to the mailing list so you are notified the next time of the dates.
Money Saving Tip #69: Buy Durable, Quality Clothing
Ok, I know this suggestion may sound contrary to my money saving tips, but there is a reason for it. Rather than buying cheap, thin, non-durable clothing, spend a little more money on a better quality product. You will find that that piece of clothing will carry with you from season to season and year to year.
The clothing that is cheaper may need to be replaced from year to year.
Now, I am not saying to go spend $60 on a t-shirt. When you visit a clothing store, go to the sale racks first. One of my favorite stores is Ann Taylor LOFT. There is no way that I can afford to stock my wardrobe with all their beautiful clothes. When I walk into their stores, I go straight for the sale racks. This store sells very good quality clothing, but I pay discount prices for the items. I can buy a pair of jeans for about $15-$20 and a blouse for less than $20 if I am patient and check back on a regular basis. I know that these purchases are durable and will last many years.
The clothing that is cheaper may need to be replaced from year to year.
Now, I am not saying to go spend $60 on a t-shirt. When you visit a clothing store, go to the sale racks first. One of my favorite stores is Ann Taylor LOFT. There is no way that I can afford to stock my wardrobe with all their beautiful clothes. When I walk into their stores, I go straight for the sale racks. This store sells very good quality clothing, but I pay discount prices for the items. I can buy a pair of jeans for about $15-$20 and a blouse for less than $20 if I am patient and check back on a regular basis. I know that these purchases are durable and will last many years.
Money Saving Tip #68: Don't Buy a New Car
There are some people out there that buy a new car as frequently as they change their windshield wipers. Don't be one of those people. Resist the urge to go out and buy the newest and greatest car. Would I love to have a brand new SUV in my driveway? Sure, but I forgo the new car so I don't have the $600/month car payment.
Rather than buying a new car, invest some money to fix the one you already have. Sure, you may have to spend several hundred (or thousand) dollars to get it up and running, but you won't have those dreadful car payments.
Avoid going to a dealership to buy a new or used car. Look in the newspaper or the internet and attempt to buy a used car from a private citizen.
My husband and I own three cars that are all completely paid for. Here's the catch: our newest car is over 11 years old. Our other cars are 17 and 25 years old. Sure, they break down. And yes, we spend money fixing them, but we don't have any car payments. When the time comes that we need to replace one of our cars, we have decided that we will only buy a used car.
Rather than buying a new car, invest some money to fix the one you already have. Sure, you may have to spend several hundred (or thousand) dollars to get it up and running, but you won't have those dreadful car payments.
Avoid going to a dealership to buy a new or used car. Look in the newspaper or the internet and attempt to buy a used car from a private citizen.
My husband and I own three cars that are all completely paid for. Here's the catch: our newest car is over 11 years old. Our other cars are 17 and 25 years old. Sure, they break down. And yes, we spend money fixing them, but we don't have any car payments. When the time comes that we need to replace one of our cars, we have decided that we will only buy a used car.
Wednesday, June 22, 2011
Money Saving Tip #67: Low-Flow Water
Low flow shower heads can be purchased at your local home improvement stores for as little at $10. They reduce the amount of water that your shower dispenses.
Low flower water faucets are available for as little as $0.99. Like the low flow shower head, they reduce the amount of water that your sink uses. They are available for both kitchen and bathroom sinks.
Low flower water faucets are available for as little as $0.99. Like the low flow shower head, they reduce the amount of water that your sink uses. They are available for both kitchen and bathroom sinks.
Money Saving Tip #66: Call the Manufacturer
This tip generally applies to small items and groceries.
Don't be afraid to call the company or manufacturer who produced the product that you bought. Their phone number is listed on the package where it says, "Questions or Comments." Call them. If you liked their product, call them and tell them. Then kindly ask the person to add you to the mailing list and to send some coupons.
If you didn't like the product, let them know this too. They don't want unhappy customers. They may try to make your experience better next time by giving you vouchers for another one of their products. If you ask them, they will also add you to their mailing list for coupons.
I have been known to contact several companies with equally good and bad comments. Most every time, I was sent coupons from the manufacturer.
Don't be afraid to call the company or manufacturer who produced the product that you bought. Their phone number is listed on the package where it says, "Questions or Comments." Call them. If you liked their product, call them and tell them. Then kindly ask the person to add you to the mailing list and to send some coupons.
If you didn't like the product, let them know this too. They don't want unhappy customers. They may try to make your experience better next time by giving you vouchers for another one of their products. If you ask them, they will also add you to their mailing list for coupons.
I have been known to contact several companies with equally good and bad comments. Most every time, I was sent coupons from the manufacturer.
Money Saving Tip #65: Make Sure Your Refrigerator Closes
Most of us think that our refrigerator closes completely. But, if it doesn't, your unit may be leaking without you even knowing it. To check the seal of the unit, use the "paper test."
Get a sheet of paper. Open your refrigerator and insert the paper so that half of the paper is on the inside and the other half is on the outside. Close the refrigerator door. If the paper stays in place, it may be OK. Now, gently pull on that paper. If it doesn't move (with a gentle pull), your refrigerator doesn't leak.
Do this for your freezer too.
If it does leak, don't fret too much. You don't need to buy a new unit to fix this problem. Your local home improvement store or the internet are good places to look for a replacement seal.
Get a sheet of paper. Open your refrigerator and insert the paper so that half of the paper is on the inside and the other half is on the outside. Close the refrigerator door. If the paper stays in place, it may be OK. Now, gently pull on that paper. If it doesn't move (with a gentle pull), your refrigerator doesn't leak.
Do this for your freezer too.
If it does leak, don't fret too much. You don't need to buy a new unit to fix this problem. Your local home improvement store or the internet are good places to look for a replacement seal.
Money Saving Tip #64: Use a Newspaper for Windows
Most everyone hates cleaning windows, but it's a necessary evil. Rather than using a disposable paper towel to clean your windows, use a recycled newspaper instead. The newspaper will not leave any lint residue and is usually floating in your recycle bin anyway.
Money Saving Tip #63: Scratch and Dent
If you are in the market for a new appliance such as a refrigerator, washer, dryer, stove, or even a dishwasher, consider a "scratch and dent" store. In most cases, these appliances are brand new but may have a few exterior scratches or dents.
We bought a new refrigerator almost 2 years ago for our home. We wanted the same kind that we sold with our previous home. We paid $800 for a brand new, name brand refrigerator (freezer on bottom). That same unit sells for more than $1,200 at the home improvement stores.
Our refrigerator has a 12 inch scratch on the bottom of one of the sides. If you didn't know it was there, you wouldn't even notice it. The store we purchased it at is Appliance Smart.
We bought a new refrigerator almost 2 years ago for our home. We wanted the same kind that we sold with our previous home. We paid $800 for a brand new, name brand refrigerator (freezer on bottom). That same unit sells for more than $1,200 at the home improvement stores.
Our refrigerator has a 12 inch scratch on the bottom of one of the sides. If you didn't know it was there, you wouldn't even notice it. The store we purchased it at is Appliance Smart.
Money Saving Tip #62: Use Your Smaller Car for Longer Trips
Most families have at least two vehicles. If both you and your spouse work out of the home and both drive to work, consider which vehicle you both are driving. If you own a Chevrolet Suburban and a Toyota Corolla, the smaller car (Corolla) should be driven by the person who makes the longest commute. And, the Suburban should be driven by the person who has the shortest commute.
Tuesday, June 21, 2011
Money Saving Tip #61: Make Breakfast for Dinner
Rather than preparing a meat, vegetable, starch, and salad for dinner, make breakfast instead. Buy a box of pancake mix, a carton of eggs, and bacon.
You can make enough pancakes for your family (5 people on estimate) for about $1.00-$1.50. Eggs are super cheap at about $1.00 for a dozen. Bacon will cost you about $4.00. Based on my estimate, you can feed a family of 5 for less than $10.00.
If you are feeding hungry teenagers, you will probably spend a little more, but it will generally be less than preparing a huge meal.
You can make enough pancakes for your family (5 people on estimate) for about $1.00-$1.50. Eggs are super cheap at about $1.00 for a dozen. Bacon will cost you about $4.00. Based on my estimate, you can feed a family of 5 for less than $10.00.
If you are feeding hungry teenagers, you will probably spend a little more, but it will generally be less than preparing a huge meal.
Money Saving Tip #60: Reusable Grocery Bags
We all know that using those reusable grocery bags every time you visit the grocery store will cut down on all those plastic bags. Those plastic bags use lots of oil to produce and take a very long time to decompose in our landfills.
The reusable grocery bags are available at most every grocery store for about $1.00 each. My local grocery store (Target) actually repays you $0.05 for every bag you use. While this sounds insignificant, think of it over one year. If you use 10 bags per week, you will get $26.00 back toward the cost of your purchases.
I'm not sure if any other store out there offers this incentive, but it doesn't hurt to browse their website or store employees for the answer.
Bonus Tip: Store your reusable grocery bags in your car instead of inside your house.
The reusable grocery bags are available at most every grocery store for about $1.00 each. My local grocery store (Target) actually repays you $0.05 for every bag you use. While this sounds insignificant, think of it over one year. If you use 10 bags per week, you will get $26.00 back toward the cost of your purchases.
I'm not sure if any other store out there offers this incentive, but it doesn't hurt to browse their website or store employees for the answer.
Bonus Tip: Store your reusable grocery bags in your car instead of inside your house.
Money Saving Tip #59: Food Storage Containers
If you have ever bought lunch meat, margarine, or even yogurt, you know that many of them come packaged in containers with lids. Rather than tossing these containers in the garbage, recycle them by using them for food storage.
Use them to store leftovers, snacks, and your lunch the next day. My husband may use a couple for food and water bowls for our pets.
Use them to store leftovers, snacks, and your lunch the next day. My husband may use a couple for food and water bowls for our pets.
Money Saving Tip #58: Use of Coupons: Product Websites
Another great place to get coupons besides the Sunday newspaper is on the internet. Go to the manufacturer's website for specific coupons. It's easy to do a google search for the item you are searching for.
For example, if you enjoy cookies, go to the Keebler or Nabisco website.
For example, if you enjoy cookies, go to the Keebler or Nabisco website.
Money Saving Tip #57: Go To an Early Movie
Going to the movie theater is a treat. I enjoy taking my kids to the movies to see the latest film. But, I go early. Most movie theaters have a reduced ticket price if you go before 6PM.
I like to take my kids to the movies just after lunch. My local theater charges $6.00 per adult and $5.00 per child before 6PM. After 6PM, those rates climb to $10-$12 per person. Your kids usually don't care what time they go to the theater.
I like to take my kids to the movies just after lunch. My local theater charges $6.00 per adult and $5.00 per child before 6PM. After 6PM, those rates climb to $10-$12 per person. Your kids usually don't care what time they go to the theater.
Money Saving Tip #56: Target Debit Card
I discovered the Target Debit Card the other day. If you open up a Target Debit Card by giving them a blank check, you can automatically save 5% on all your purchases. There is no obligation to sign up. This is not a line of credit. The money is withdrawn from your checking account exactly like a debit card.
Monday, June 20, 2011
Money Saving Tip #55: Keep a Running Grocery List
On our refrigerator, I keep a small dry erase board. I use this board so that I can keep a running grocery list of items that I need o buy the next time I visit the supermarket. Once I run out of ketchup, Q-tips, or apples, I write those things down on the board.
One of the reasons I do this is because I am not forced to remember everything I need to buy 5 minutes before I go to the store for my weekly shopping. Also, my husband and my daughter can write down items that need to be purchased.
Doing this will save me extra unnecessary trips to the grocery store.
One of the reasons I do this is because I am not forced to remember everything I need to buy 5 minutes before I go to the store for my weekly shopping. Also, my husband and my daughter can write down items that need to be purchased.
Doing this will save me extra unnecessary trips to the grocery store.
Money Saving Tip #54: No Payment, No Interest
Those promotional offers of "no payment, no interest" can be a great way to buy a new appliance, piece of furniture, or even carpeting for your home. But, you must be disciplined to pay off the entire loan before the deal expires.
Having an expiration date 6 months to 1 year away should be plenty of time for you to put money away to pay off the entire loan. The penalty of not paying off the loan means that you pay interest from the date of purchase, not the expiration date of the loan. Failure to pay off the loan can cost you hundreds of dollars in interest rates.
In January, we bought new carpet for our home. We took advantage of a "no payment, no interest for 12 months" loan. We were disciplined enough to put a couple hundred dollars away each time we received a paycheck. Because we did this, we paid off the loan in 5 months.
If you don't think you can pay off the loan, avoid these promotionl offers.
Having an expiration date 6 months to 1 year away should be plenty of time for you to put money away to pay off the entire loan. The penalty of not paying off the loan means that you pay interest from the date of purchase, not the expiration date of the loan. Failure to pay off the loan can cost you hundreds of dollars in interest rates.
In January, we bought new carpet for our home. We took advantage of a "no payment, no interest for 12 months" loan. We were disciplined enough to put a couple hundred dollars away each time we received a paycheck. Because we did this, we paid off the loan in 5 months.
If you don't think you can pay off the loan, avoid these promotionl offers.
Money Saving Tip #53: Fexible Spending and Health Savings Accounts: Tax Benefit
I have been using a Flexible Spending Account for the past couple of years, and I love it. Now, I had a hard time understanding it at first, but once I figured it out, it became a no-brainer. Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) vary a little, but I will talk about their common benefits.
Both types of accounts are set up through your employer. You determine how much money you want to withdraw from your paycheck and deposit into your FSA or HSA. The money deposited into these accounts are pre-tax. This means that the money is withdrawn before the state and federal taxes are applied. The benefit to this is that your taxible income is less (depending on how much you deposit into the account).
To help you understand this, see my example. Imaging that my bi-weekly pay is $1,000. If I withdraw $200.00 from each paycheck to go toward my qualified health and dependent care expenses (discussed later), then my taxable salary is only $800 of that paycheck. The taxes I pay are based on $800, not $1000.
See following posts about what the FSA and HSA qualify towards and when.
Both types of accounts are set up through your employer. You determine how much money you want to withdraw from your paycheck and deposit into your FSA or HSA. The money deposited into these accounts are pre-tax. This means that the money is withdrawn before the state and federal taxes are applied. The benefit to this is that your taxible income is less (depending on how much you deposit into the account).
To help you understand this, see my example. Imaging that my bi-weekly pay is $1,000. If I withdraw $200.00 from each paycheck to go toward my qualified health and dependent care expenses (discussed later), then my taxable salary is only $800 of that paycheck. The taxes I pay are based on $800, not $1000.
See following posts about what the FSA and HSA qualify towards and when.
Money Saving Tip #52: Overdraft Protection Accounts
Most everyone who has had a checking account for any length of time has probably bounced a check or two over the account's lifetime. And you know that with bouncing that check comes a very large fee for that bounced check. That fee can vary between $35-$50 per transaction. Imagine that you had 5 checks bounce. Your fees can range between $175-$250. Ouch!
Rather than subject yourself to these outrageous fees, ask your bank about an overdraft protection account. An overdraft protection account can link to your savings account in the event that you overdraw on funds in your checking account. Or, if you don't have a savings account, you can set up a line of credit to draw upon (usually about $1,000.00).
Some banks do not charge a fee to dip into these other accounts, and some banks do. If your bank charges, the fees will usually be minimal ($5.00 or so).
Rather than subject yourself to these outrageous fees, ask your bank about an overdraft protection account. An overdraft protection account can link to your savings account in the event that you overdraw on funds in your checking account. Or, if you don't have a savings account, you can set up a line of credit to draw upon (usually about $1,000.00).
Some banks do not charge a fee to dip into these other accounts, and some banks do. If your bank charges, the fees will usually be minimal ($5.00 or so).
Sunday, June 19, 2011
Money Saving Tip #51: Don't Dine Out for Lunch
People who dine out every day for lunch average $5.00 per day for lunch. Save that money and bring your own lunch instead. When you are preparing dinner the night ahead, make a little extra so you can take some with you the next day for leftovers.
This can save you $1,300.00 per year.
This can save you $1,300.00 per year.
Money Saving Tip #50: Be Your Own Starbucks
Starbucks coffee is wonderful (though I've heard, since I don't drink coffee). But, buying a cup of joe or a latte at their stores everyday can add up. If you spent $1.80 for your morning coffee everyday on your way to work (excluding weekends), you will have spent $468.00 for an entire year. If you prefer the flavored lattes instead, the cost will be closer to a thousand dollars.
Be your own Starbucks instead. Take a few extra minutes before you leave for work and brew it yourself. You can still use Starbucks brand coffee by the pound or buy other less expensive brands at the grocery store.
Now, I'm not saying to avoid Starbucks altogether, but treat it as a special trip. Visit them a couple times a month on the weekends rather than everyday.
Feel free to buy yourself a reusable Starbucks look-alike cup. Starbucks and Dunkin Donuts sell them or you can buy one without the logos at Bed, Bath and Beyond, Target, and Walmart to name a few. This may help you feel as though you just left the coffee house.
Be your own Starbucks instead. Take a few extra minutes before you leave for work and brew it yourself. You can still use Starbucks brand coffee by the pound or buy other less expensive brands at the grocery store.
Now, I'm not saying to avoid Starbucks altogether, but treat it as a special trip. Visit them a couple times a month on the weekends rather than everyday.
Feel free to buy yourself a reusable Starbucks look-alike cup. Starbucks and Dunkin Donuts sell them or you can buy one without the logos at Bed, Bath and Beyond, Target, and Walmart to name a few. This may help you feel as though you just left the coffee house.
Money Saving Tip #49: Visit an Antique Store
I love visiting the antique stores in my area for lots of different reasons. Not everything in an antique store or antique mall is old. They sell everything from furniture (new and vintage) to dishes to jewelry to toys to books to wall art and everything in between.
The prices are very reasonable and you can negotiate with the booth's owner if they are there. If not, ask the store clerk to call them with an offer for something you want to buy. Chances are, they will reduce the price.
One of the things I love to buy at an antique store is jewelry. Most often, it is one-of-a-kind and not found on every other woman. And, the prices are super affordable.
I visited an antique store today. I purchased two gold necklaces for less than $12.00 each. I found a booth that sold previously viewed movies. I bought myself a DVD for $3.99 and a Disney movie for my kids for $1.00.
The prices are very reasonable and you can negotiate with the booth's owner if they are there. If not, ask the store clerk to call them with an offer for something you want to buy. Chances are, they will reduce the price.
One of the things I love to buy at an antique store is jewelry. Most often, it is one-of-a-kind and not found on every other woman. And, the prices are super affordable.
I visited an antique store today. I purchased two gold necklaces for less than $12.00 each. I found a booth that sold previously viewed movies. I bought myself a DVD for $3.99 and a Disney movie for my kids for $1.00.
Friday, June 17, 2011
Money Saving Tip #48: Ask for Free Samples
Earlier today I visited my eye doctor to pick up some contact lenses that I ordered. Before I left, I asked the receptionist for a free sample of the saline solution that I use. I walked away with a small bottle of the solution and a contact lens case. I will use this to keep in my desk at work in case I need to take out my contact lenses.
You can do this for many places. The next time your doctor writes a prescription for a medication, ask if they have any free samples to give you. This serves two purposes: 1) you can try the product to see if it is something you like, and 2) reduce (or eliminate) the amount of money you spend on the prescription. During one of my pregnancys, I receive enough free samples of a prenatal vitamin that I did not have to buy any at the store or my pharmacy for a couple months.
Doctors, Denists, and just about any health care professional get these sample boxes for free from the manufacturer to give out to their customers. So, there is no additional cost to you or the doctor for these samples.
You can do this for many places. The next time your doctor writes a prescription for a medication, ask if they have any free samples to give you. This serves two purposes: 1) you can try the product to see if it is something you like, and 2) reduce (or eliminate) the amount of money you spend on the prescription. During one of my pregnancys, I receive enough free samples of a prenatal vitamin that I did not have to buy any at the store or my pharmacy for a couple months.
Doctors, Denists, and just about any health care professional get these sample boxes for free from the manufacturer to give out to their customers. So, there is no additional cost to you or the doctor for these samples.
Money Saving Tip #47: Use a Short Wash Cycle
There are so many ways to save money while doing laundry. I have mentioned using "small" amounts for all loads, even full loads. I gave the suggestion of how to make your own laundry detergent and washing your laundry using cold water. To further your savings, use a "short" or "quick" wash cycle.
On my washing machine, the regular setting runs for 50 minutes. If I use the short wash setting, my laundry only runs for 30 minutes. Using a shorter time reduces the amount of energy your washer needs and cuts back on the amount of water you are using. Trust me, your clothes will come out just as clean. I have been doing this for years, and I found no difference than if I were to have used the regular setting.
On my washing machine, the regular setting runs for 50 minutes. If I use the short wash setting, my laundry only runs for 30 minutes. Using a shorter time reduces the amount of energy your washer needs and cuts back on the amount of water you are using. Trust me, your clothes will come out just as clean. I have been doing this for years, and I found no difference than if I were to have used the regular setting.
Money Saving Tip #46: Do Laundry in Cold Water
Years ago, Tide came out with a new laundry soap called, "Tide: Cold Water." When I saw these commercials, I asked myself if it was really necessary to use a special soap to wash in cold water. The answer is NO.
In addition to using enough laundry soap for a "small" load, I also wash my clothing in cold water. This will help with the heating bill of my water heater. You don't need a special soap to use the cold setting for your laundry.
The one thing I still use hot or warm water for is my bed linens and towels (which I wash together).
In addition to using enough laundry soap for a "small" load, I also wash my clothing in cold water. This will help with the heating bill of my water heater. You don't need a special soap to use the cold setting for your laundry.
The one thing I still use hot or warm water for is my bed linens and towels (which I wash together).
Money Saving Tip #45: High Efficiency Toilet (HET)
High Efficiency Toilet (HET) is real. When my husband and I moved into our home almost two years ago, we discovered that we had two leaking toilets. The cost to repair the old toilets was going to be the same price as the labor in installing two new toilets. So, he and I went down to our local home improvement store and did some research.
We discovered HET's. A high efficiency toilet (rated 1-10, closer to 10 being a better product) uses about 1.28 gallons of water per flush. A standard toilet that most homes have use about 5 gallons of water per flush. This is a huge difference. We bought two toilets with a rating of 8. Since our third toilet in our home did not have a leak, we did not replace it. When it comes time to replace it though, we will definitely buy a HET. (Knowing this, when I need to use the restroom in our home, I will try to use one the bathrooms with the HET to cut back on my water use.)
Now, I am not saying to go out and buy all new toilets for your home. My suggestion is that when it comes time to having the need to purchase a new toilet (or two) for your home, consider a HET. Your water bill will go down.
Don't put a water jug into the tank of a HET (Money Saving Tip #7).
We discovered HET's. A high efficiency toilet (rated 1-10, closer to 10 being a better product) uses about 1.28 gallons of water per flush. A standard toilet that most homes have use about 5 gallons of water per flush. This is a huge difference. We bought two toilets with a rating of 8. Since our third toilet in our home did not have a leak, we did not replace it. When it comes time to replace it though, we will definitely buy a HET. (Knowing this, when I need to use the restroom in our home, I will try to use one the bathrooms with the HET to cut back on my water use.)
Now, I am not saying to go out and buy all new toilets for your home. My suggestion is that when it comes time to having the need to purchase a new toilet (or two) for your home, consider a HET. Your water bill will go down.
Don't put a water jug into the tank of a HET (Money Saving Tip #7).
Money Saving Tip #44: Don't Buy Extended Warranties
If you are in the market for new appliance, electronic, cell phone, whatever, you have probably had the salesperson give you a small lecture on the importance of buying an extended warranty for your new purchase. Don't fall for it! Extended warranties hardly ever get used. The companies that sell them know this already. This is just an extra ploy to get more money out of you.
Some extended warranties require you to pay a deductible to get the benefit of the warranty. What is the point of a warranty if you have to pay for it up front and then again if you want to use it?
The prices for an extended warranty is usually over-inflated. The value of your item will likely depreciate to the point that using the warranty would not be cost-effective.
Some extended warranties require you to pay a deductible to get the benefit of the warranty. What is the point of a warranty if you have to pay for it up front and then again if you want to use it?
The prices for an extended warranty is usually over-inflated. The value of your item will likely depreciate to the point that using the warranty would not be cost-effective.
Money Saving Tip #43: Sell Your Unused Stuff
Most all of us can go through our homes and locate items that we no longer need or want. This might be unused exercise equipment, children's clothing, and even furniture. Rather than let this stuff collect dust, sell it. There are plenty of ways to make some cash for your unused items.
You could have a garage sale (only if you have enough stuff to sell).
But, if you only have a few things to sell, consider ebay or craigslist. Using ebay will cost you a small fee and is usually best for smaller items which can be shipped. The benefit to using craigslist is that there usually won't be any shipping fees since the buyer meets you to purchase that item. Craigslist buyers are usually local people. I always recommend taking digital photos of your items so the buyer can see the product.
If you have larger items to sell, like furniture, consider selling it to a consignment furniture store. They frequently buy tables, bookshelves, silk plants, pictures, chairs, sofas, and kitchen tables, to name a few. Of course, the items must be is decent "re-sellable" condition. To find a local consignment furniture store near you, just do a google search.
You could have a garage sale (only if you have enough stuff to sell).
But, if you only have a few things to sell, consider ebay or craigslist. Using ebay will cost you a small fee and is usually best for smaller items which can be shipped. The benefit to using craigslist is that there usually won't be any shipping fees since the buyer meets you to purchase that item. Craigslist buyers are usually local people. I always recommend taking digital photos of your items so the buyer can see the product.
If you have larger items to sell, like furniture, consider selling it to a consignment furniture store. They frequently buy tables, bookshelves, silk plants, pictures, chairs, sofas, and kitchen tables, to name a few. Of course, the items must be is decent "re-sellable" condition. To find a local consignment furniture store near you, just do a google search.
Thursday, June 16, 2011
Money Saving Tip #42: Use of Coupons: Doubled Coupons
Some grocery stores out there will double manufacturer coupons. They usually double coupons up to and including $0.50. Occassionally, a store will have a week where they will triple coupons.
If you use a coupon at a store that doubles coupons, it would be best to use a $0.50 off coupon rather than your $0.75 off coupon.
If you have a store coupon for $0.75 off a particular item and a manufacturer coupon for $0.50 off that same item, your savings will be $1.25 off ($0.50 x 2, plus $0.75 = $1.25)
If you use a coupon at a store that doubles coupons, it would be best to use a $0.50 off coupon rather than your $0.75 off coupon.
If you have a store coupon for $0.75 off a particular item and a manufacturer coupon for $0.50 off that same item, your savings will be $1.25 off ($0.50 x 2, plus $0.75 = $1.25)
Money Saving Tip #41: Slow Down
Drive the speed limit. You will get better gas mileage if you slow down, rather than speed. Each 5 mph over 60 mph lowers your gas mileage by 2.5 mpg. This may sound insignificant, but depending on how much you drive, you could save lots of money. Going 80 mph rather than 60 mph could cost you more than $900 per year.
Besides, going 80 mph is probably illegal where you live anyway. You could save the money in paying a traffic citation if you keep your car below 60 mph.
Besides, going 80 mph is probably illegal where you live anyway. You could save the money in paying a traffic citation if you keep your car below 60 mph.
Wednesday, June 15, 2011
Money Saving Tip #40: Adjust Your Indoor Temperature
Anyone who has to pay utility bills knows that your electric bills in the summer and your gas (or electric) bills in the winter can be outrageously high. Lower your cost by raising the air conditioner temperature to 78 degrees in the summer. Lower the temperature on your thermostat in the winter to 68 degrees.
Rather than adjusting the temperature, consider wearing lighter clothing in the summer and wearing more layers in the winter.
Bonus Tip: While you (and your spouse) are at work, adjust the thermostat for even more savings. In the summer, we raise the thermostat to 82/83. In the winter, we lower it to about 63/64. As soon as we get home, we set it back to the normal level. It usually takes about 30 minutes to adjust.
Rather than adjusting the temperature, consider wearing lighter clothing in the summer and wearing more layers in the winter.
Bonus Tip: While you (and your spouse) are at work, adjust the thermostat for even more savings. In the summer, we raise the thermostat to 82/83. In the winter, we lower it to about 63/64. As soon as we get home, we set it back to the normal level. It usually takes about 30 minutes to adjust.
Money Saving Tip #39: Parents, Buy your Kids Halloween Costumes Months Ahead
I'm sure many of you rush out the week before Halloween to find that the selection is severly limited, and you pay full price. Sure, you could go to a party supply store and pay full price, but don't. Now is the time to start looking on ebay. If you start now, you will be able to "shop around" for the best price. Since Halloween is still months away, you can be more selective on what auctions you bid on. You can save lots of money on shopping early for the best deals.
Money Saving Tip #38: Don't Exchange Gifts with your Spouse
If you are married or in a relationship, there seems to always be an expectation to give a nice (and sometimes expensive) gift to the recipient. Christmas, birthdays, Valentine's Day, Mother's Day, and Father's Day are all holidays where people may expect a gift.
My husband and I do not exchange gifts for any holidays. And, we couldn't be happier. He doesn't shower me with unnecessary diamond necklaces, and he doesn't expect a nice watch. Sure, we exchange meaningful greeting cards, but those are a couple of dollars, not hundreds.
This may be a hard tip for some of you to agree to, but it will save you lots of money and stress in trying to find that perfect gift.
My husband and I do not exchange gifts for any holidays. And, we couldn't be happier. He doesn't shower me with unnecessary diamond necklaces, and he doesn't expect a nice watch. Sure, we exchange meaningful greeting cards, but those are a couple of dollars, not hundreds.
This may be a hard tip for some of you to agree to, but it will save you lots of money and stress in trying to find that perfect gift.
Money Saving Tip #37: Store Matching Prices
With competition between major retail chains and grocery stores growing, many of them are willing to match competitors adverstised prices. This can be a very good thing if you want to save yourself an extra trip running to another store.
But, you can really maximize your savings if you know how to use this stratgey to your full advantage. I frequently do my grocery shopping at Target. When another grocery store puts something on sale, I will use my weekly circular to get Target to match that price. Here's the best part: I wait until both stores put that item on sale.
For example, Target advertises a can of Del Monte canned peas at $0.82 each (regular price: $0.97). But, Pubix advertises that same can of peas at "Buy 1, Get 1 Free." I then get to buy that can of peas for $0.41 each by showing that Publix ad at Target. My savings is more than 50% off. I use this strategy to stock up on canned items (which don't expire for several years).
Bonus Tip: Stores that match prices must see the entire weekly circular, so don't bring in just the page you need. They need to see the dates printed on the front or back.
But, you can really maximize your savings if you know how to use this stratgey to your full advantage. I frequently do my grocery shopping at Target. When another grocery store puts something on sale, I will use my weekly circular to get Target to match that price. Here's the best part: I wait until both stores put that item on sale.
For example, Target advertises a can of Del Monte canned peas at $0.82 each (regular price: $0.97). But, Pubix advertises that same can of peas at "Buy 1, Get 1 Free." I then get to buy that can of peas for $0.41 each by showing that Publix ad at Target. My savings is more than 50% off. I use this strategy to stock up on canned items (which don't expire for several years).
Bonus Tip: Stores that match prices must see the entire weekly circular, so don't bring in just the page you need. They need to see the dates printed on the front or back.
Money Saving Tip #36: Don't Buy Something Just Because You Have a Coupon
Coupons are great, and you can save a lot of money by using them. But, don't buy a product simply because you have a great coupon. You will be wasting money.
If you want to use unnecessary coupons to buy items to donate to a charity, this is a great thing.
If you want to use unnecessary coupons to buy items to donate to a charity, this is a great thing.
Money Saving Tip #35: Store Brand vs. Name Brand
When it comes to our food, many of us like to stick with what we know. We feel compelled to buy Doritos or Kraft Macaroni and Cheese simply because we think that the name brand means it will taste better. This is most always not the case. I challenge you to switch to a few store brand items and see if you (or your family) notices any difference.
If you have family members who swear by their name brand food, switch it out and see if they notice the difference. Take the package of the name brand, remove the contents, and fill it with the store brand food. For example, get a General Mills Honey Nut Cheerios cereal box. Remove the sleeve of cereal. Take a store brand cereal box of Honey Nut O's (or whatever that store calls them). Remove the sleeve of the store brand and insert it into the name brand box.
You will probably find that most people cannot detect any difference. Your savings could be up to 50% at the grocery store.
Bonus Tip: Many name brands make store brand products. Though you cannot find a published list of these items, here is a tip on trying to figure it out. While at the grocery store, look at the back of a name brand item and a store brand item side-by-side. If the item was produced at the same address, chances are it is the exact same product.
If you have family members who swear by their name brand food, switch it out and see if they notice the difference. Take the package of the name brand, remove the contents, and fill it with the store brand food. For example, get a General Mills Honey Nut Cheerios cereal box. Remove the sleeve of cereal. Take a store brand cereal box of Honey Nut O's (or whatever that store calls them). Remove the sleeve of the store brand and insert it into the name brand box.
You will probably find that most people cannot detect any difference. Your savings could be up to 50% at the grocery store.
Bonus Tip: Many name brands make store brand products. Though you cannot find a published list of these items, here is a tip on trying to figure it out. While at the grocery store, look at the back of a name brand item and a store brand item side-by-side. If the item was produced at the same address, chances are it is the exact same product.
Tuesday, June 14, 2011
Money Saving Tip #34: Don't Leave Product at the Bottom of the Container
If you are like me, you cannot stand the thought of leaving that last drop of whatever at the bottom of the bottle or tube. If you are familiar with conditioner bottles, shampoo bottles, laundry detergent, liquid fabric softener, you will know that it is very hard to get the last little bit left at the bottom of the container.
When it comes to your liquid laundry detergent or liquid fabric softener, don't be afraid to cut open the package to get the last drop. While doing laundry this past weekend, I noticed that I still had a load of laundry worth leftover at the bottom of my Wisk container. Using my scissors, I cut a small hole in the side of the package and drained the leftover. I had enough for another load of laundry that I otherwise would have thrown away. This is the same for fabric softener.
For shampoo and conditioner, use a small swig of water to loosen the remaining product from the inside walls of the container. If this doesn't work, just use some scissors to cut the package open and get what you paid for.
When it comes to your liquid laundry detergent or liquid fabric softener, don't be afraid to cut open the package to get the last drop. While doing laundry this past weekend, I noticed that I still had a load of laundry worth leftover at the bottom of my Wisk container. Using my scissors, I cut a small hole in the side of the package and drained the leftover. I had enough for another load of laundry that I otherwise would have thrown away. This is the same for fabric softener.
For shampoo and conditioner, use a small swig of water to loosen the remaining product from the inside walls of the container. If this doesn't work, just use some scissors to cut the package open and get what you paid for.
Don't forget to recycle the plastic containers once you are done with them.
Money Saving Tip #33: Get Organized
Having a closet, laundry room, storage shed, and/or basement completely cluttered can cost you unnecessary money. Here is the reason: If you are unorganized, you may not be able to easily find what you are looking for. If you need something and cannot find it, you are more likely to go out to the store to buy it.
For example: If I need a new light bulb for our end table lamp, I should be able to go to the laundry room, open the appropriate storage bin, and replace that bulb in less than 1 minute. Now imagine that you cannot remember where you put those light bulbs. You might make an unnecessary tip to the store (using fuel) to buy some more light bulbs (more wasted money).
Another reason to stay organized is to start stocking up on items that you use a coupon for. If you are able to buy shampoo on sale and with a coupon for less than $1.00, I suggest buying as many as you can. Use your organization to sort and organize these extra items.
For example: If I need a new light bulb for our end table lamp, I should be able to go to the laundry room, open the appropriate storage bin, and replace that bulb in less than 1 minute. Now imagine that you cannot remember where you put those light bulbs. You might make an unnecessary tip to the store (using fuel) to buy some more light bulbs (more wasted money).
Money Saving Tip #32: Use of Coupons: Use a Coupon to Buy the Smallest Size
Some coupons you clip will specify the minimum size or quantity that you must purchase to use the coupon. Using a $0.35 off coupon on 150 oz. bottle of laundry detergent isn't really a great deal. However, if the coupon doesn't specify the minimum amount, buy the smallest amount possible. You may find that you pay a minimal amount for the product.
Body wash, shampoo, conditioner, and lotion frequently do not specify the minimum amount (except trial sizes).
You will get the most out of your coupon by having lots of smaller products than one big product.
Body wash, shampoo, conditioner, and lotion frequently do not specify the minimum amount (except trial sizes).
You will get the most out of your coupon by having lots of smaller products than one big product.
Monday, June 13, 2011
Money Saving Tip #31: Turn Off Your Oven and Stove
Gas and electric ovens can get very hot while baking. That heat will stay inside the unit as long as you keep the oven door closed. When you are down to the last 5-10 minutes of baking time on your next dish, turn the oven off. Your food will continue to bake with the residual heat already inside.
For those of you who have an electric stove top, consider turning off the burner about 5 minutes before your food is done. There is plenty of left-over heat on the stove top to continue cookng your food. This doesn't work as well for gas burners.
For those of you who have an electric stove top, consider turning off the burner about 5 minutes before your food is done. There is plenty of left-over heat on the stove top to continue cookng your food. This doesn't work as well for gas burners.
Money Saving Tip #30: Use of Coupons: Use a Coupon When the Item is On Sale
To minimize or eliminate the amount of money you spend on an item that you have a coupon for, wait until that item is on sale. Items at the grocery store usually go on sale every 3 months. Last week, I used a $3.00 off coupon for a bottle of Nivea body wash. The body wash was on sale for $2.74, so I actually got paid $0.26 to buy this item. Some stores will only honor the coupon up to the sale price. You need to see your stores policy to see what it says.
Sunday, June 12, 2011
Money Saving Tip #29: Use of Coupons: Combine a Store and Manufacturer Coupon
You cannot use multiple manufacturer coupons for one item, but you can use a store coupon and a manufacturer coupon on one item. For example, if General Mills has a $1.00 off coupon for a box of Cheerios, you can combine it with a coupon that your grocery store distributes for that same item. So, if Target (my preferred grocery store) has a $1.00 off coupon for the same item, my total savings will be $2.00 off.
Use of Coupons Overview
There is somewhat of an artform to using coupons. I didn't start really using coupons until about a year ago. I went to my local grocery store to buy one item that I had a coupon for. When I got to the cash register with my $0.50 off coupon, I was surprised when I saw that coupon had been doubled. Thus began my discovery into using coupons.
A few months ago, TLC released a show called, "Extreme Couponing." To say that this show is ridiculous is an understatement. You cannot feed a family of five a healthy diet based on 120 cans of coke, 60 toothbrushes, 87 small bags of Doritos, and 16 boxes of Froot Loops. What these grocery shoppers lack in their shopping carts is produce, dairy, and protein. Their diets come pre-packaged.
I use coupons every time I visit my grocery store. I use coupons to help give me discounts on items I probbly would have purchased anyway. My tips on using coupons are far more realistic and simple to follow.
A few months ago, TLC released a show called, "Extreme Couponing." To say that this show is ridiculous is an understatement. You cannot feed a family of five a healthy diet based on 120 cans of coke, 60 toothbrushes, 87 small bags of Doritos, and 16 boxes of Froot Loops. What these grocery shoppers lack in their shopping carts is produce, dairy, and protein. Their diets come pre-packaged.
I use coupons every time I visit my grocery store. I use coupons to help give me discounts on items I probbly would have purchased anyway. My tips on using coupons are far more realistic and simple to follow.
Money Saving Tip #28: Buy Your Jacket in the Summer
If you are in the market for a new winter coat or a fall jacket, consider buying it in the spring and summer. On the opposite end of the spectrum, buy your shorts, t-shirts, and swimsuits in the fall and winter.
Your savings could be astronomical. I bought a tan trench coat and 2 sweaters yesterday (June 11). The original price was $159.85 for all 3 items. I paid $41.99. My savings were about 74%. I know I will have to wait until the cooler months to wear them, but the savings will be worth the wait.
Saturday, June 11, 2011
Money Saving Tip #27: Use Regular Octane Gas
Gas prices where I live are around $3.65 per gallon. Unless your vehicle requires a higher octane of gas (mid-grade or premium), opt for regular octane (87). Savings could be about $150-300 annually based on how much fuel you use.
Money Saving Tip #26: Don't Grocery Shop Hungry
Going to the grocery store on an empty stomach can be dangerous. You are likely to buy more items on impulse because all you can think about is your growling belly. You may opt for something sugary becuse you think about eating it as soon as you get into your car. Making decisions on what food you need should be based on your family and weekly needs.
I like to do my grocery shopping in the evening after dinner or on the weekends after my breakfast. Of course, I don't take my kids either.
I like to do my grocery shopping in the evening after dinner or on the weekends after my breakfast. Of course, I don't take my kids either.
Friday, June 10, 2011
Money Saving Tip #25: Stop Using a Screen Saver
Using a screen saver on your personal or work computer uses just as much energy as when you are using the computer. Instead of using a screen saver, program your computer to go into "sleep mode." Sleep mode uses slightly more energy than being off.
Money Saving Tip #24: Keep Your Tires Inflated Properly
To help you better understand the importance of properly inflated tires, I am going to use a bicycle as an example.
Every weekend, I ride my bicycle more than 2 miles. If I were to ride my bicycle on flat or nearly-flat tires, I would have to exert a lot of energy in order to make my trip. On the contrary, a bicycle with plenty of air in the tires will be much easier for me to ride.
This is the same principle as vehicle tires. Though you are not using your physical strength to power the car, your car uses fuel based on how much energy it needs to get you to your destination. The less fuel you use means you get to keep more money in your pocket.
Bonus Tip: Some gas stations give FREE air, so this tip could cost you nothing but savings.
Every weekend, I ride my bicycle more than 2 miles. If I were to ride my bicycle on flat or nearly-flat tires, I would have to exert a lot of energy in order to make my trip. On the contrary, a bicycle with plenty of air in the tires will be much easier for me to ride.
This is the same principle as vehicle tires. Though you are not using your physical strength to power the car, your car uses fuel based on how much energy it needs to get you to your destination. The less fuel you use means you get to keep more money in your pocket.
Bonus Tip: Some gas stations give FREE air, so this tip could cost you nothing but savings.
Money Saving Tip #23: Shade Your Air Conditioner
Though I live in a neighborhood that has lots of trees, our air conditioner units are exposed to direct sunlight. Our units sit on the side of our home where the afternoon and pre-evening sun is the hottest. One way to help your unit run more effectively is to shade your air conditioning unit. Plant some tall shrubs or trees surrounding the unit(s).
Money Saving Tip #22: Cut Your Dryer Sheets in Half
For those of you who use dryer sheets as a fabric softener, cut them in half to make them last twice as long. They will do just as good a job as when whole.
Bonus Tip: Re-use the same cut dryer sheet several times in your dryer. They are worth more than one load of laundry.
Bonus Tip: Re-use the same cut dryer sheet several times in your dryer. They are worth more than one load of laundry.
Thursday, June 9, 2011
Money Saving Tip #21: Cloth Napkins
Wednesday, June 8, 2011
Money Saving Tip #20: Homemade Laundry Detergent Recipe
My Money Saving Tip #1 focused on using laundry detergent based on a "small" load for all your washes. To make your savings go further, you could try making your own laundry soap yourself in your kitchen. This idea was completely foreign to me until I was watching a show on television where the family made their own laundry soap. The savings are incredible. Washing with detergent purchased at your local store can cost about $0.50 per load. Using homemade detergent can cost as little as $0.01 per load.
You can do an internet search for homemade laundry soap and find several recipes. One of the recipes I found in the book Be Centsable gives this recipe***:
Water
3 oz. grated bar soap (any, but Castile is mentioned)
1/2 cup Borax
1/2 cup washing soda (not baking soda)
In large pot, combine the water and grated soap and heat on medium until completely dissolved. Stir in Borax and washing soda until everything is dissolved. In a large bucket, combine 4 cups of hot water with the melted soap mixture and stir well. Add 1 gallon and 6 cups of water, stir, and let sit overnight. It may appear cloudy, but it is ok.
All these ingredients can be found at most every grocery store. The Borax and washing soda is located in the laundry soap isle, and the Castile soap can be found in the bar soap isle.
***Check your owners manual especially if you have a front-loader. Using non-HE approved detergents may void your warranty and possibly damage your washing machine. If you have used a homemade recipe on a front-loader, please post a comment on how your machine handled.
You can do an internet search for homemade laundry soap and find several recipes. One of the recipes I found in the book Be Centsable gives this recipe***:
Water
3 oz. grated bar soap (any, but Castile is mentioned)
1/2 cup Borax
1/2 cup washing soda (not baking soda)
In large pot, combine the water and grated soap and heat on medium until completely dissolved. Stir in Borax and washing soda until everything is dissolved. In a large bucket, combine 4 cups of hot water with the melted soap mixture and stir well. Add 1 gallon and 6 cups of water, stir, and let sit overnight. It may appear cloudy, but it is ok.
All these ingredients can be found at most every grocery store. The Borax and washing soda is located in the laundry soap isle, and the Castile soap can be found in the bar soap isle.
***Check your owners manual especially if you have a front-loader. Using non-HE approved detergents may void your warranty and possibly damage your washing machine. If you have used a homemade recipe on a front-loader, please post a comment on how your machine handled.
Money Saving Tip #19: Use Window Coverings
Here in Cumming, Georgia, summer temperatures can soar to nearly 100 degrees. The winter temperatures can dip into the teens.
Summer: Use your blinds or window coverings to block the heat from the sun from entering your home. Angle your blinds upward so the sunlight doesn't creep through the cracks.
Winter: Your windows can attract the cold temperatures from the outside. Only open your blinds or window coverings if the sunlight is shining directly through the window. My backyard gets a lot of sunlight in the afternoon. We use the heat from the sun to help warm our home during a few hours in the afternoon and evening.
Summer: Use your blinds or window coverings to block the heat from the sun from entering your home. Angle your blinds upward so the sunlight doesn't creep through the cracks.
Winter: Your windows can attract the cold temperatures from the outside. Only open your blinds or window coverings if the sunlight is shining directly through the window. My backyard gets a lot of sunlight in the afternoon. We use the heat from the sun to help warm our home during a few hours in the afternoon and evening.
Money Saving Tip #18: Avoid Heat Dry
Another way to cut down your energy cost and help the environment is to avoid the heat dry setting on your dishwasher. Instead, open your dishwasher and let your dishes air dry. My husband and I will allow our dishes to air dry while we are at work or overnight while we are sleeping.
Money Saving Tip #17: Clean Your Refrigerator Coils
To clean the coils, use the tube attached to your vacuum cleaner to suck out any debris.
Tuesday, June 7, 2011
Money Saving Tip #16: Don't Join a Gym Membership
We've all made a New Year's Resolution to shed some weight following the holidays. You generally see an influx of commercials for fitness clubs around December and January. Some of you out there are disciplined enough to actually go to your local gym on a regular basis. But let's face it, most of you go a few times and eventually make excuses why you can't go anymore. Rather than paying a ridiculous fee for an annual membership to your gym, find a pay-as-you-go gym. They are out there. There is no financial loss to your wallet if you decide not to continue your fitness at the facility. And besides, if the "annual membership fee" gym goes out of business, there is nothing you can do to get your money back, even if you paid for the membership the day prior.
Bonus Tip: Avoid the gym all together and buy or rent workout videos. You can do your fitness in the comfort of your own home while your kids are at school or napping.
Extra Bonus Tip: Rent the workout DVD's at your local library for FREE!
Bonus Tip: Avoid the gym all together and buy or rent workout videos. You can do your fitness in the comfort of your own home while your kids are at school or napping.
Extra Bonus Tip: Rent the workout DVD's at your local library for FREE!
Money Saving Tip #15: Dryer Lint Trap
Before you dry any of your clothes in the dryer, make sure you always empty the lint trap. This ensures that you have a good flow of air in the unit. Failure to empty the trap will cause your dryer to not dry your clothes completely. Thus, you will run it for another cycle. Another huge drawback to a clogged lint trap is a fire hazard.
Sunday, June 5, 2011
Money Saving Tip #14: Cut Your Kids Hair Yourself
Bonus Tip: If you are uncomfortable cutting your kids hair, visit a cheap hair salon and pay close attention to how they cut your kid's hair, so you know how to do it the next time. Or, save that money and get some free lessons at youtube.com.
Saturday, June 4, 2011
Money Saving Tip #13: Make 13 Mortgage Payments
Rather than making 12 monthly mortgage payments per year, pay 13. If you do this, you coud cut the length of your loan by 9 years. If you pay 14 payments per year, you could cut your loan in half (based on a 30-year fixed). The extra money you send in is directly applied to your principle, not the interest.
Money Saving Tip #12: Raise Your Deductible
Most people have a $500 deductible on the vehicle's insurance policy. Consider raising it to $750 or $1000 to reduce your insurance premiums.
Money Saving Tip #11: Grocery Shop Alone
When I have to grocery shop with my 3 kids, my goal is usually to just get in and get out. I don't hunt for the best deals. When I shop alone, I get to spend my time more wisely by comparing prices and selecting what coupons to use to get the best deals. I use a calculator to see if the percentage off is really a good deal. I'll even use my calculator to keep a running tally of how much money I am spending. This tactic allows me to make better choices and won't leave me surprised when I hit the cash register.
Money Saving Tip #10: Make Your Own 100 Calorie Packs
The 100 Calorie Packs at the grocery store can be quite expensive. Instead of spending up to $1.00 per package, make your own for less than $0.15 each. Buy a snack in bulk and package it yourself. You can get a handful of pretzels, animal crackers, and even marshmellows. Check the nutrition label to see what constitutes a hundred calories. They vary item to item. Package them in small reusable plastic containers for easy transport.
Bonus Tip: You burn more calories chewing celery than you do consuming it. It will be nearly impossible to make a hundred calorie pack with this snack!
Money Saving Tip #9: Disposable Diapers = Wasted Money
I spent thousands of dollars on disposable diapers for my first-born. She is now 8 years old. For my second child (now 3), I did my research and invested in a set of cloth diapers. Though I spent several hundred dollars up front, I now don't have to worry about buying them ever again. When I found out I was pregnant with my third child, I potty-trained my second child so I could use the diapers on my baby. There are so many variations of cloth diapers. I selected a diaper that would adjust with my growing baby. The diapers I have fit a newborn to a 35 lb. baby because they have adjustable snaps. Some of my favorites include Happy Heineys, Swaddlebees, and BumGenius. Look for the "one size pocket diapers" that adjust. A disposable diaper can take up to 500 years to decompose in a landfill. A cloth diaper will cost $17-$25 each depending on the brand and type. I suggest buying at least 25.
Money Saving Tip #8: Dishwasher Soap
Last year I was watching a segment on the Today Show about dishwashers. (I was on maternity leave and had already watched everything in my DVR.) The lady on the show had suggested that most of us use far too much dishwasher detergent. She suggested reading the owners manual to see what the recommended usage was. Because my dishwasher was relatively new, I still had my manual. To my surprise I learned that I only needed to use 2tbsp of soap per wash. My dishwasher dispenser holds 4tbsp. I am able to save 50% on my dishwasher detergent.
Bonus Tip: I will soon publish my recipe for homemade dishwasher detergent. Stay tuned!
Bonus Tip: I will soon publish my recipe for homemade dishwasher detergent. Stay tuned!
Money Saving Tip #7: Use Less Water Per Flush
Friday, June 3, 2011
Money Saving Tip #6: Stop Using Paper Towels
You can buy a lot of washcloths in bulk at Walmart for about $10.
Money Saving Tip #5: Unload Your Car
With the cost of gasoline nearing $4.00 per gallon, it only makes sense to figure out ways to keep your fuel costs down as much as possible. One way to do this is to unload your car. Take a look inside the trunk of your car. When you carry extra cargo in your car, you are causing your car to burn more fuel to carry you and your cargo to your destination. No need to take your golf clubs to the grocery store!
Thursday, June 2, 2011
Money Saving Tip #4: Trash-Free Lunch
Bonus Tip: Avoid buying fruit cups and individually packaged food items. For my homemade fruit cups I pack her sliced-up fruit, grapes, mandarin oranges from a large can, or frozen fruit (like blueberries) that can defrost by lunchtime. I buy animal crackers and pretzels in bulk and put them into re-usable 4oz. containers.
Money Saving Tip #3: Water Heater Temperature
Most of us love a steamy, hot shower when the temperatures drop in the winter. On the contrary, the idea of a shower at 120 degrees when it's 95 outside sounds silly. If you are like me (and my family), you opt for a cooler shower during the warmer months. Beginning around March of every year, I take a short walk to my basement and adjust the temperature on my water heater to the cooler setting. You will save money in your gas or electric bill because the water heater will not be working so hard to keep the temperatures so hot.
Bonus Tip: When you go on vacation, adjust your water heater temperature to "Vacation Mode." No need to force your water heater to heat the water when no one is home!
Money Saving Tip #2: Drinks at a Restaurant
I cringe every time a restaurant charges us more than $2.00 for a soda, especially when restaurants charge for kids drinks! Rather than spending the money on a fountain drink for myself and my kids, I order a water and make my own flavored beverage. I have a ziplock bag in my purse containing several powdered drink packets. I add one to my water to create a raspberry tea drink. I add half a packet to my kids smaller waters to create a flavored drink.
Bonus Tip: Buy the sugar free versions at you grocery store to keep the unnecessary sugar out of your diet. They come in so many varieties ranging from raspberry tea to grape to lemonade.
Money Saving Tip #1: Laundry Detergent
As the one who does the household laundry, I wanted a way to save money and get our clothes and linens just as clean. So I experimented! Rather than using the recommended amount of laundry detergent to wash our full load of laundry, I sampled by using the amount designated for a small load. To my surprise our clothes came out just as clean. Here I was using 2-4 times the amount when all I needed was the least amount. To someone who washes up to 6 loads of laundry every week, I am able to save more than a hundred dollars a year.
Bonus Tip: The number of loads on a container of laundry detergent is based on "small" loads, not a large load. So, use the small load amount for all loads and your detergent will go much further!
Bonus Tip: The number of loads on a container of laundry detergent is based on "small" loads, not a large load. So, use the small load amount for all loads and your detergent will go much further!
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