Monthly Archives: September 2018

Saving Money While at the Store

During the recession many people have experienced that their salary, even though it’s still the same amount of money, is buying them less groceries. Getting by is harder than it used to be.
For some people this is just a minor difference, for other people it’s affecting their every day life. Whether you are in need of generating some spare cash or really need to focus on what you buy, these few tips will help you save money when doing your daily and/or weekly groceries.

1. Know what you pay for; compare prices.
This may sound silly, but the same product can be cheaper in another store close by.
If you need to travel a long way you must not forget to calculate the cost for you to get there and back. With price differences from a few cents up to a whole dollar or more, you can save up to $30,00 on your weekly groceries just by being picky where to shop.

2. Know what’s going on; buy groceries that are on sale.
Supermarkets have special discounts on certain items every week. It can be worthwhile to keep an eye out for flyers and folders of supermarkets to keep track of their discounts.
If you see a certain dish on sale, you can make a profit by buying that dish in that specific week.Please remind that certain food and drinks are always more expensive than others, even when they are on sale. You will want to avoid those or buy them once in a while as a special treat. You can save up to $5,00 per dish.

3. Keep it cool; buy in bulk.
When you are with a large family this is a handy thing to do. When you buy in bulk, the products you are buying will most likely be cheaper. Lots of food including vegetables, bread and meat can be frozen to keep them fresh for weeks to come. You can buy the product when it’s on sale and freeze a couple of portions of it for later use.

For example: a family eats chicken on a regular basis. The chicken breast filet is on sale for $4.99 instead of $6.99 and the family decides to buy in bulk (let’s say, 3 kilos) they will save $6.00 in the process. When doing this regularly with different items, the total easily adds up.

4. Resist temptation; make a shopping list
Some people find it hard to resist certain items when grocery shopping. Making a shopping list can help you with that. On top of that you are sure not to forget anything when you are at the store. Be firm with yourself and only buy whatever is on your list.

If you correctly follow all of these tips, saving money at the store should not be too much of a task. Just remember, if you do not need it then do not buy it. It really is as simple as that when you think about it. Good luck with your next trip to the store where, hopefully, this information will pay its dividends to you.

Easy Ways to Save Money

Do you want more money? Of course you do. Almost everyone could use more money. But how do you get it? You can ask for a raise at work, or you can get a second or third job. Or maybe you can go back to school to learn a skill that will make you more marketable. All of these things are will most likely work but they take time. One thing many people overlook in their quest for greater income is working with what they already have.

I know that doesn’t sound like a way to make more money, but the simple fact is that most people are wasteful. They fritter away a lot of the money they make. Have you ever noticed how after a raise at work, you still don’t seem to be doing any better? How could this be? It is because you are spending it.

If you could find away to keep more of the money you already have then you will not only have more money now. But when you do make more money, it will have a much greater impact.

Make a Budget.

Yep I said the B-word. It is surprising to me how many people don’t have a budget. They may say things like, that is not in my budget, but what they really mean is I don’t have enough in the bank for that. I am not going to go into how to make a budget here, but if you don’t know how you can read my article on it.

The reason for making a budget is simple. If you don’t know what you spend your money on, how can you know where you can cut back. Once you have a an accurate accounting of where you are spending your money, you may find that you are spending it on things you don’t really need.

Change your Coffee

A lot of people drink coffee in the morning and throughout the day. And while it doesn’t seem to be a big expenditure at $2.00 a cup it can add up quick. Imagine you drink 2 cups of coffee a day. That amounts to about $20 a week or about $80 per month. If you bought a bag a coffee it should last you about 2 weeks depending on how much you drink. A bag of coffee, depending on you brand will cost you about $8. So that is $16 per month. Let’s say another $8 per month for milk and sugar ( if you like that). If you bring a reusable cup, most places will refill it for $.99 so that is $10 per week or $40 per month.

By drinking you coffee at home in the morning and using the refill option, you would end up spending about $64 a month for your coffee vs $80. $16 a month is not a huge savings But it is equivalent to a reasonably priced meal at restaurant, or about 4-5 gallons of gas for your car. If you usually get lattes or other things that cost more, then your savings will be more.

Pack a partial lunch.

Let’s say you eat lunch out 5 days a week. at about $7.00 a meal, we are talking about $35 dollars a week or $140 per month. If you pack a partial lunch like let’s say a drink, some fruit, and some chips then you could eat out but get away with spending let’s say $3.00 a day. By bringing your own drink and side dish which should only cost you about $15 a week or $60 per month and spending $3 a meal, $9.00 a week, or $36 month you end up spending $96 a month on your lunches vs $140 a month you save $44 a month. Again not enough to quit you job over but it is equal to about 11-13 gallons of gas which equals a full tank for a lot of people.

Switch to Compact Fluorescents

Check the light bulbs around you house. Do you have incandescent or compact fluorescent? Compact fluorescents use only 25% of the energy of an equivalent incandescent. So that means If you have a 75 watt bulb on for 4 hours a day you have paid for 300 watts of energy whereas if you had a compact fluorescent installed you would have only paid for 75 watts of energy. Your potential savings will depend on how much you pay for electricity and how many light you leave on and for how long.

Turn down the water heater.

How often do you use straight hot water for from the tap? If you are like most people, I think you would answer almost never. Maybe in the kitchen when cooking or washing dishes. If you never use the hot water straight from the tap why are you heating it up so high? you can go to your water heater and turn it down to the level that is comfortable for you to use. This way you save money by not heating water up higher than you need and from not having to use extra cold water to get the temp down to something you can use. The key to remember in this area is anywhere you feel heat coming off the pipes, means you are losing energy and money.

Quit Smoking

Smoking is expensive. One of the quickest ways to save money if you smoke is to quit. If you smoke a half pack a day that is about 3 packs a week or 12 packs a month. At about $5.00 per pack that that is $60 per month in cigarettes. If you quit smoking not only will you save $60 per month, but your health will be better.

If you can’t or don’t want to quit you could consider rolling your own. You can get enough loose tobacco, papers and filters to roll 300-400 cigarettes for about $30. So by just changing the kind of cigarettes you smoke you can save about $30 per month.

Shop the Dollar Store

Another smart way to save money is hit the dollar store. Almost every community has a dollar store near by. The unfortunate thing is many people don’t ever go in them. But just consider. If you can get the same brand of toothpaste for $1.00 that you would normally spend $2.50 for, why are you spending the extra money? I get my disposable razors, Palmolive dish-washing soap, Colgate whitening toothpaste and a variety of other items that I would usually spend $3.00 to $5.00 a piece for.

Watch movies at home

If you can wait a little bit to see the latest movie you can save a lot of money. Most movies cost $8.00 to $9.00 for one adult ticket. For the same price, you can sign up for NetFlix or Blockbuster and watch all the movies you want for $9.00 per month.

Turn off Cable.

With the average cable bill in the $40 range, if you have an internet connected television you can save by signing up for NetFlix and Hulu Plus and get everything you get on cable for about $20 per month. If your bill is higher you save even more.

Keep a Price Book.

Everyone knows someone who just seems to instinctively recognize a good deal. But for most of us it is hard to remember all the different prices at different stores. You can keep a log of prices on items you want at the different stores that way when you see the brand new item on sale for $8.95 at store X you will know whether it is a good deal or not.

Another thing you can do if you have a smartphone is download one of the many shopping apps they have. I uses Shop Savy on my Android Phone. In the store I simply scan the barcode on the product and it checks the web and other nearby stores for the prices. I think the app cost me about $2.00, but using it for one purchase during Christmas enabled me to save $35 on a gift I was going to buy.

Plan your vacations ahead of time.

If you would like to go on vacation summer plan it now. This will enable you to take advantage of early booking discounts and if your vacation time is somewhat flexible, you may be able to save significant money by going during a week that is less expensive.

Shop in a hurry.

First make a list before you shop and then do your shopping when you are pressed for time. If you follow these steps you will find that you end up picking up less impulsive purchases then when you don’t have a list and have lots of time to browse the aisles.

Use Rewards Cards.

It seems that every store has a rewards card now. Some are very good, some not so much. I shop at certain stores based on the rewards I can get. For example. I can save about $.50 if I buy my coffee at Target. But if I pay the extra at my local grocery store. They have a rewards program that gives me money back every quarter. Since I shop there a lot anyways, it makes more sense for me to pay the extra money since I am going to be getting some of it back.

Always be sure to read the terms and conditions. Rite-Aid for example has a pretty good program so I signed up and starting buying things there instead of other places. Only to find out that the points reset to zero at the end of the year. I signed up in November so all the purchases I made don’t count for me now. I could have bought some of those things at the grocery store that would give me money back.

Save Money With Discount Perfume Testers

Especially if you wear perfume every day, purchasing your preferred fragrance products can become an expensive habit. While you might take some time to use up a bottle of fragrant cologne or aftershave, you might also be the type of perfume wearer that has to repurchase a favorite fragrance more often. Either way, you should consider taking advantage of discount perfume samples.

The Occasional Discount Perfume

If you only think about wearing discount fragrances for special events, samples might be perfect for you. If you subscribe to assorted women’s magazines, you will periodically find a sample scent sandwiched between the pages.

In all likelihood, this is a sales gimmick for a relatively expensive fragrance. However, it gives you a free chance to try it out. If you like it, you are not obligated to make your purchase through that particular advertiser. Instead, you can shop online for discount perfume and find the same exact fragrance for far less than you would otherwise pay at a pricey department store fragrance counter.

Discount perfume samples are great, because the company doing the advertising gives you enough for at least one or two applications. Of course, that gives you enough time to see if your body chemistry is compatible with that type of perfume.

If you find out you do not like a particular fragrance, it is no big deal, because you have not yet invested any money. Simply try another scent, or wait for the next perfume sample to arrive by mail.

Free Sample Discount Perfume Testers

If you do not subscribe to magazines, but still want to test a perfume before buying, visit your local department store. In the fragrance department, salespeople will be delighted to help you sample the fragrances that suit you. Sample bottles of women’s perfumes and men’s colognes are available for your sniffing pleasure… you can even spray a little on your wrist and wear it around the store to see if the scent is compatible with your body chemistry. Be sure to wait at least 15 minutes before deciding. If the perfume is not right for you, you will know. With so many scents to choose from, you should not have a problem finding one you like. Once you choose the perfect scent, step away from the expensive prices at the store, and buy your favorite fragrance at a big discount.

Perfume testers are another great way to enjoy your favorite scents at a discount.. Perfume testers are the exact same fragrances you buy in the stores – 100 % authentic, but they do not arrive in fancy packaging. Sometimes the box will be plain, or the fancy tops the perfume bottles may be missing. If you do not mind losing these little details to save a bundle, then you may be the right person to purchase perfume testers.

How to Save Money Buying Discount Designer Fashions

Today everybody is feeling the pinch of the economy. If you’re like most women you’re looking for a way to still dress fashionably but do it on a budget. I have to admit that over the years I’ve gotten used to being able to wear some hot designer clothing. I’ve got a Missoni dress and a Dolce & Gabanna A-line skirt in my closet. I have two pairs of Manolo Blahnik pumps and a Burberry trench coat.

I have other pieces of designer clothing too, but for the last few months I haven’t bought any. The reason is that like a lot of other people I’m trying to spend my money wisely. I was very lucky when a co-worker told me what she does to keep her wardrobe up to date. She actually buys discount designer clothing. She has several different on line fashion sites that she visits several times a month to see what she can find on sale, and from what she’s told me she’s gotten some great buys.

One of the sites that she visits has designers like Robert Rodriguez and Derek Lam, Emilio Pucci and Shu Uemura. They carry a wide selection of luxe designer clothing, shoes and handbags. She showed me a Dolce & Gabanna black ruched pencil skirt for $445. Then she took me to the sales section. I was amazed. She showed me a black Tracy Reese draped skirt for $135. Marked down from $225. She then showed me a wide selection of dresses. Day dresses and career dresses and special occasion dresses. These were also from top designers. Some of them were up to 60% off.

My friend told me that she saved money on designer fashions by shopping end of season sales. She tends to buy more classic styles that she can use from season to season. Using the money she saves buying classic pieces she has enough money to buy herself two or three really good seasonal fashionable pieces.

Buying designer clothing on sale is the best way to extend your wardrobe. The real secret is to buy more classic styles, pieces that can go from year to year. A very good pair of classic black wool slacks can be worn for years. Buying womens pants or jeans that have a skinny leg or that have a huge bell leg immediately date them, as does buying a pair of shoes with an ultra pointed toe or a boxy toe. Buying a classic styled toe box and womens slacks with a moderate leg mean you can wear them this year, next year and beyond.