Author Archives: shield

Benefits Of Buying A Fur Coat From A Discount Shop

Buying a fur coat from a discount shop could help you save some funds for the other important things. This type of shopping is not allowed by dealers on regular basis but if you wait for the right time you might end up saving some bucks. They offer occasional discounts due to seasonal changes or festivals. So, if you need a high quality coat for upcoming winters then don’t worry because the off season discounts offered by several stores will surely fulfill your desire.

Have a look at some of the benefits buying fur coats from a discount shop.

A reasonable price value

The first and most essential benefit of a discount shop is reasonable price value. On general terms, an average quality coat costs around 2000 dollars and high quality fur coat costs around 5000 dollars. Their price value increases progressively with changes in brands and features. But, a discount store can help a lot in saving money. During off season sale, you can have a high quality coat at a very low and affordable price value. Dealers offer discounts up to 50% during off season sales.

A wide range of products

In addition to low prices, a discount store also provides wide varieties too. During a sale, you can see a large number of products in front of your eyes. Dealers aim at clearing their stocks and put all of their products up for sale. Thus, while shopping for a fur coat, you will get a wide range of colors, designs and patterns to select from.

Branded products are also available for sale

After variety in colors and patterns, you can also have branded products from a discount shop. These days, various discount stores are offering branded products to their customers. Popular brands of these coats are also kept for sale. Specific products like anorak and parka coats are also offered at a very low and attractive price. Thus, if you are looking for a particular fur coat then, don’t waste your time just visit a reliable discount shop.

Further negotiation is also possible

The last benefit from a discount shop is additional negotiation. Even after availing discounts, you can ask for price deduction. The prime objective behind discount sale is stock clearance.

How to Save Money on Art Supplies

Hobbies such as arts and crafts are important because they help reduce stress, polish your creativity and help you use any spare time productively. However, in these tough economic conditions, the art supplies that you require for your hobby can turn into a cause of further stress, thanks to their high costs. You might have to compromise on their quality or cut out some products from your shopping list in order to keep the expenses within your budget. If you don’t like to compromise on the quality of your art supplies, but cannot afford to spend exorbitantly, read on. Here are some ways by which you can save money on art supplies.

Buy in bulk

One of the easiest things that you can do is buy in bulk. If the arts and crafts that you indulge in include products that do not perish quickly, it might be a good idea to buy large quantities directly from wholesalers. The drawback of this technique is that you might not be able to buy all the things you need in bulk. However, make a list of things that do not become unusable quickly, so that you can save money on them. For example, you can stock up on fabric elements, buttons, tags, papers and other such products. Some kinds of paints dry up quickly; you might not want to buy in bulk and store them for a long time.

Reduce waste

Be very careful when you use art supplies. Before you begin an art project, plan it out so that you can reduce waste as much as possible. Saving your supplies can definitely help you save money. Additionally, make it a point to store your art supplies in the right way so that they last longer. For example, paints do not dry up quickly if you store them in a cool and dry place. If you expose them to heat, they quickly become dry and unusable. Also, place all your art supplies in a clean enclosed space in order to prevent them from possible damage due to dust and exposure to light or heat.

Keep track of discounts and offers

Be it your local retailer or an online one, keep track of the discount offers that are made available at regular intervals. These stores also put up ‘end of the season’ sales. Use such opportunities to stock up on the supplies. You can sign up with a good online store in order to receive updates about sales and offers.

Reduce allied expenses

Buying art supplies includes several expenses other than the actual cost of products. For instance, you need to drive over to the store to buy the supplies. So, you incur fuel expenses. Shopping online is a solution to reduce this expense. When you shop, you might end up buying a few products that you never planned to buy, thereby overshooting your budget. You save money if you can reduce such allied expenses.

Do not compromise on quality

Buying poor quality art and craft supplies might save you money in the short term, but in the long term, such products turn out to be more expensive because they do not last long. Also, you might not be satisfied with the final outcome because of the poor quality. So, shop only for high quality art supplies.

Learn How to Save Money on Groceries

If you have a family of growing children or your grocery store funds are a little tight, learning how to save money on groceries can be important. Maybe your funds are tighter in other places which means your grocery store bill needs to shrink a bit but the food needs to increase. Whatever your reason is, this article is here to help you out.

Frugal shoppers know how to save money on groceries and are able to save money at the grocery store in many ways. They may save between $10 and $60 each time they go to the store. They have several things that they do to make this happen. Here are some tips that will help you when you go to the grocery store.

o Grocery Store Ads

One way to save money at the grocery store is to base your meals off of what is on sale at the store. Review the weekly ads for all the stores in the city you shop in and come up with meals that go along with those items. Of course you will need to decide if you shop weekly or biweekly so you will know how many meals you need to plan. Remember you will need to plan for breakfast, lunch, and dinner as well as snacks.

Write a grocery list that contains everything you need to purchase for each meal. You will need to write down your meals as well. You don’t necessarily have to write down the specific days you will eat them, but write down each meal.

o Coupons

To learn how to save money on groceries, you should also find out all you can about coupon shopping. Using coupons is another way to save money at the grocery store is to clip coupons from the newspaper. Most newspapers that have the weekly ads in them contain a set of coupons as well. You can plan your meals around these as well. Some stores offer a specific day where they will double the coupon so that is good as well. Coupons can save you 25 cents or more. It may not seem like a lot but every penny helps. Review the weekly ads and the coupons and see how much you can save when you plan meals around both. You may be able to save money on something you will need for a meal that is not on sale.

You may also be able to get coupons from others or online. Do a search on Google or Yahoo for groups that you can join. You maybe able to share coupons via mail or they may be able to share sites with you that offer printable coupons.

o Reward cards

Some stores offer reward cards to shoppers. Each time you shop in their store you are offered reward points based on the dollar amount you spend. When you accumulate a certain amount of points, you can use them towards purchases and save money that way. Some offer discounts to those that use the card while they charge full price for those that don’t have one.

Learning how to save money on groceries is important for many reasons. When you save money you can use that to pay off something else or apply more money to another bill. It can also be the difference between affording something and not being able to afford something. Whatever your reason for saving money at the grocery store, these tips will help you be successful.

Save Money on Your Next Family Vacation

Family vacations can be expensive, particularly if you have a large family. Save yourself some money on your next vacation by planning your purchases and needs ahead of time.

Vacation packages are big money savers. Vacation packages are published extensively on the Internet. Vacation rental can save you money on your lodging. If you are going on a road trip it would be best to buy snacks before your trip. Roadside shops do not sell much food that is nutritious or filling. The prices are very high. Be sure to be ready with a bag of snacks and maybe a cooler in the trunk for your drinks.

For those planning to go on a long trip on the road, you can always drop by a grocery store to get some snacks. Convenience store prices are high. If you are thinking of bringing the cooler but are worried about the ice, most motels have ice stations where you can refill your cooler.

Snacks and drinks are not only useful for those on the road, you may also need them while waiting for a airline flight. This is especially important to remember if you are traveling with kids because they seem to always be hungry. Buying food from the airport means spending three times the price of items and what is worse is that they are not as tasty or healthy for you as what you can get in the grocery store. For airline flights, drinks are not allowed for safety reasons, so you’ll have to spend on airport drinks.

When you need to fill up your gas tank, look for gas from stations that give discounts and those that give lower prices. Prices are lower in cities so be sure to get the best gas prices where you have a lot of choices.

Many facilities or tourist destinations offer discounts for certain kinds of memberships. If you are a member of Triple A for example, you may get a percentage off your hotel accommodations. If you are senior citizen, you are also eligible for a discount in certain facilities. Check for discount coupons before your trip.

Major attractions are usually frequented by travelers. This means these facilities try to make as much of a profit as they can. Parking fees can be quite outrageous ranging from $4 to $10 or maybe even more. Always try to find an area where you can park for free to save money.

Traveler’s checks are very convenient since you no longer have to withdraw money in areas you are not familiar with. Having traveler’s checks with you means there is no more need find an ATM while on the road or in another country. Having enough cash is also advisable. If you go to store or facility that accepts cards, it would be best to use your card to be sure you have cash available to spend where they don?t take cards. Avoid using ATM’s that charge for giving you your money. Hunting for a place that will take your bank’s ATM cards can be annoying and will use up your time and gas.

The Best Way To Save Money On Clothing

Classic style clothing such as black pants and a white shirt are generally less expensive; they look classy and will last for several years.

As you stand in front of your closet flipping through your clothes, you suddenly think that it’s time to hit the mall for a new wardrobe. However, shopping sprees for new outfits can do some serious damage to your budget. Below are several money-saving tips for you to consider before hitting the sales racks.

Visit Outlet Malls. You can get brand-name clothing or similar items at outlet malls for a fraction of the retail cost. Really shop around though because some stores in outlet malls don’t offer the extraordinary bargains.

Don’t Buy “Dry Clean Only” Clothes. If you buy clothes that require dry cleaning, simply add the cost of each dry cleaning to the cost of the outfit. Even if you paid $40 for a pair of slacks, you will never stop paying for those slacks as long as you continue dry cleaning them. Look for clothing with fabric that is machine washable, to save you from spending extra money at the dry cleaners.

Don’t Over-Accessorize. Accessories can be a good thing when trying to dress up or change the look of an outfit, but too much can get expensive and tend to look gaudy.

Trendy Is Out. It may be tempting to buy all the expensive clothes you see in fashion magazines, but trendy fashions come and go. It’s unreasonable to pay twice as much for name brand clothing when you can get the same quality item for less money. You can still be fashionable while keeping a tight budget.

Cash Back. Almost everyone has at least one shirt in their closet that they haven’t worn in 10 or more years. You could be making money off those old clothes in your closet by selling them to consignment shops. Did you know that you have money sitting in your closet, losing value by the minute?

Tax Deduction. Clean out your closet and donate all your old clothes to charity and you could receive a nice tax deduction on your generous donation.

Commercial Hype. Television is the largest advertising market for any product and often makes it difficult for anyone to resist. Online shopping is also advertised everywhere and the idea of simply pushing a few buttons to make a purchase is simply too easy. Don’t be taken for a financial ride by giving in to the exaggeration of advertisements and infomercials.

Save on Socks. Buying socks all in one color will save you money in the long run because when one sock gets a hole in it, you can still use it’s mate with another pair. Plus, if you have kids, buy the same colored socks just in a different style. This will not only save you money, but it will be easy to sort them out on laundry day.

Watch for Sales. Keep an eye out for sales or clearances, which are usually advertised in your local newspaper or on the radio or TV. Stores usually have racks and racks of clothing they need to get sell quickly to make room for new arrivals, so they’re tagged with a discounted price to help them sell more quickly. You may find the latest fashions at 50 to 70% off the actual retail price (or sometimes more).

School Uniforms. A school that requires uniforms can save you tons of money when your child heads back to school. Private school uniforms may cost around $150 but it will last them all year and if the uniform gets torn, some department stores will replace them for free.

Paint Your Buttons. It seems like the first thing to go on new clothes are the buttons. Avoid this by painting the thread on the buttons with clear nail polish. This will help the buttons stay on much longer than normal. Also, never throw away a raggedy shirt without first removing the buttons because you never know when you’re going to need one for another shirt.

Avoid Dryers. Constantly sticking your clothes in the dryer can cause them to wear out before their time. To keep clothes from looking worn out, consider hanging them outside to dry. Keeping your clothes looking new will help you save money and help them lasting longer.

Seasonal Purchases. Buying winter clothes in the summer and summer clothes in the winter will save you extra money. Seasonal clothes are usually less expensive in the opposite season.

Buy Separately. If you need to purchase suits for work, consider purchasing the suit separately for a cheaper deal. Also, buying the suit separately allows you to mix and match two or three different outfits into the price of one suit.

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.