Showing posts with label cutting costs. Show all posts
Showing posts with label cutting costs. Show all posts

Tuesday, November 10, 2009

Grocery Budget Challenge


I’ve been dabbling in budgeting. I say “dabbling” because every time I make out a budget I blow it. Go figure. Well, I decided that with the holidays coming up (ie. Thanksgiving, Christmas, and New Years) I should make a practice run with my grocery budget. I have (for no other reason than that’s what I came up with) $180 for a family of 4 (that includes myself and 3 teenage boys). Possible? I guess we’ll see. I’m challenging myself to stick to this and I’ll record my progress here on Learning 2 Live 4 Less. It starts today and I’ll run this for a month – December 10th will be my verdict day.

Day 1

Stopped at Wal-Mart on the way into work to pick up the following:

20 oz Coke $1.38
24 pk Wally world Water $3.98
Great Value Creamer (big container) $3.86
Banquet Chicken Steak Microwave dinner $1.00
Banquet Sweet & Sour Chicken Microwave Dinner $1.00
Croissants Baker reduced $1.50
Great Value Applesauce cups $1.56
Great Value Nonfat Dried Milk $16.42

Total $30.70
Balance $149.30


This trip was spontaneous so I didn’t plan it too well. I needed lunch for the day and for tomorrow. The water is a staple at our house. As for the Nonfat Dried Milk? Oh let me tell you it’s my favorite ingredient to have. Before you say ooo and gross. Let me let you in on my secret. Ok It’s not MY secret but I learned it and live by it. I even have a cheat sheet on the side of the refrigerator to refer to. We go through a ton of milk in our house. The boys still drink it like they did when they used Sippy cups. I save the so called “good” stuff for their drinking and cereal use and then fall back on my powered milk substitutes for cooking, baking, and a few little recipes that the boys love. These included Magic Milkshakes, vanilla milk, and even Hot Cocoa Mix. My favorite site for quick, inexpensive recipes www.hillbillyhousewife.com is a great resource for some do it yourself home concoctions. The point I started with was why I buy powered milk. While it’s not our first choice for drinking, it does come in handy when we run short or a freak ice storm lands like it did last year. Plus, a gallon of milk runs about $ 3.50 maybe $2.89 on sale these days (prices may vary by region ) The box I bought today makes 80 quarts or 20 gallons of milk. Roughly broke down means for less than a dollar ($0.821) a gallon I would save more than enough to justify the hassle of using the powdered version. Again, we still buy good old fashion milk but this is a great addition to stretch our dollar.



Back to my original posting topic: I need to do some grocery shopping tonight and I’ll let you know how I do. I don’t have the first coupon to use (shame on me) but I am going to our discount grocery store because well, I always shop there.  I’m off to make a list and get what we need. First I’m going to do some recipe surfing then list making. Wish me luck!

Friday, August 7, 2009

Changing up a bit

I've been reading a lot this summer. Mostly really silly fiction but also some things on the Internet and have really gotten interested in Homesteading. Basically, I've been in the slow lane to homesteading without even realizing it. I started another blog a few days ago but decided that really I didn't need 2 blogs about roughly the same thing...learning to live for less or learning to live with less. So this morning...Eureka! It hit me. I'll combine them both. This blog was really just to keep me on track and let me share my victories and losses - so why not share both here. So I've moved my posts from over there to over here. Hope you all enjoy them and I don't bore you or give you the impression I've lost my mind...that I did when I had kids! ha! ha! So enjoy & let me know what you think!

Me

Wednesday, August 5, 2009

POPPING up a storm

Well not a real storm but a snack storm. Our family is addicted to popcorn and with 3 teenage boys those little bags can cost us a small fortune. Tonight we broke out the ol' air popper. Its a healthy and inexpensive alternative to those microwaveable bags. We picked up a Presto air popper a while back for about $20. A big bag of popcorn kernals runs about 75 to 99 cents for a pound bag. Our popper only uses 1/2 a cup and makes a huge bowl.
We like to add different toppers like butter, ranch, and cheese powders for added flavor. You don't use oil so you cut the ungood stuff out as well as extra expense. The kids get a kick out of watching it pop too.

Here's an interesting article comparing microwave verses loose kernal popcorn. HERE

A few frugal moments

Its a slow frugal news day. However, I did stop by our local Save A lot and picked up some "damaged" cans of off brand pop for 17 cents a piece. The damage consisted of...well, simply being loose from their cardboard boxes. So I got all of these for $2.38 which should last this crew for an afternoon.

My mom taught me from an early age to check out the mark down basket. Sometimes you can even find items on clearance that you can use coupons with. Most of the time things are in the baskets because the package is marked up/broken or because they just bought way too many in anticipation of a big sale that didn't go over very well. Whatever the reason don't forget to check that little section out. You can really catch a good deal.

Friday, May 8, 2009

SmartShopper Discounted at Yugster.com

Sorry I've been MIA so much going on there isn't enough room in cyberspace to get anyone caught up. I wanted to share a great deal with everyone though.

The budget guru Erin over at Jane4Girls had posted this great giveaway back in January for a great new tool for help with grocery & to-do lists. It was called the SmartShopper.


Well, I didn't win BUT while scoping out my 1 a day sale sites this morning I found the deal of the day. Yugster.com is offering the SmartShopper as a sneak peak special (which means if you're registered you can go ahead an order it but if not you can order it tomorrow-registering is FREE) this awesome tool is being sold on Yugster.com for....$27.97!!!! Yes that's right $27.97. I had a $10 Gift card from earlier purchases so I got mine for $17.97 plus $7 shipping and handling for a grand total of $24.97! That's a HUGE savings. So I would jump on it. I've order from them several times before they are very reliable. A bit slow with shipping but I've always received what I've ordered.

So Happy Friday everyone!

Saturday, March 14, 2009

The Flu has landed

Hello all! Sorry for the absence. The flu has landed at our home...well more like crashed landed in a blaze of glory! Not a very nice couple of weeks around here. I believe I'm on the mend; at least the walls coming in on me makes me feel like I'm on the mend. I haven't been able to get out and do any shopping which really has helped the budget quite a bit. ha! ha! The only thing I've been buying lately is NyQuil and Sprite. But I didn't want to leave you hanging without a tip or two for them. We've gone through a bunch of sprite this past week and I actually sat there and read the "See Details" part of the package. While I was running a bit of fever for most of the week, I did decide to join the Mycokerewards program. I went through the house collecting all the caps I could find. While you can get great coke stuff I also learned that you can donate the rewards to the school of your choice. This is a great idea if you aren't into all the merchandise items or you just want to help out a local school. There are also other great causes you can support with your Coke Rewards as well. During the month of March when you enter a 12-pack you'll earn an additional bonus of 3 points each day for the month of March. It will amaze you how quickly those little cap points will add up. So go grap a Coke/Sprite and a smile for all the good points that will add up to some great things or at least some great opportunity for a worth cause.

Tuesday, February 24, 2009

Using Coupon Codes to save on Online purchases

One of the great things about the web is you can shop around to find the best deal without running yourself rigid. You can also save yourself a little more buy using coupon codes or promo/promotional codes. For those who aren't familiar with these, they are basically codes that you can put into your online checkout cart that will give you a discount. You can sometimes find them on the mailing label of a catalog or retailers you order from frequently may even send you a postcard with the special code. However, if you don't ever receive them or don't get the ones you could actually use, don't despair. As with all things virtual, you can find virtually any retailer's codes on the web. If you're going to buy online, do a little search (google's my personal favorite) for the retailer you're shopping at with the key words "coupon codes", "promo codes", or "promotional codes". i.e. shopping on Amazon.com I search for : Amazon.com coupon codes and end up with sites that have codes such as this one: 4DNW5Q89 FOR $25 off shoes sold by RoadRunner thru Amazon.com or 326465 5% discount on DVDs. Basically, you just look for a code that fits what you are looking for. Some of the places to look that I've found helpful are:
These are just a few of the ones I've used. You can also find them on some of your favorite forums. Some of the ones I've used included:
All three of these sites are great coupon code resources as well as having a multitude of other savings ideas. Just remember to shop around and look for virtual coupons just like you would a traditional paper coupon or sale. Combining these with some of reward programs like Mypoints.com and ebates.com that give cash back or points for purchases, can really cut your costs on things you buy. It takes a few extra clicks but a few extra clicks can really add up to extra savings.

Tuesday, February 10, 2009

19 Survey sites that pay


I'm sure you've been seeing an increase in ads, both online and on TV, for getting paid to take surveys. With times getting tough many people are turning to them for a little extra money. I've been doing a few for a couple of years that are great but along the way I've hit some real lemons as well. For someone just starting out in the paid survey "biz" it can be quit overwhelming. A great place to start is at my favorite site :) Hotcouponworld.com compiled 19 survey sites that are : legit, pay out, little or no spam, good way to earn extra money. I would suggest first and foremost don't expect to get rich fast. That's unrealistic but you can get some really great freebies, gift cards, and even cold hard cash with patience and dedication. Second, before jumping in and joining every site is to set up a separate email address so your inbox isn't bombarded with TONS of mail (trust me you will get some emails from them). Many services online have free email accounts like gmail, hotmail, Yahoo, and AIM. Setting up something like mysurveys@gmail.com to catch all your offers and surveys is a great way to keep them organized and separated from dear Aunt Jane's email with pictures of her baby cockapoo in his new sweater. My third bit of advice, don't go Gung ho...at least, not at first. Take it one site at a time, possibly two, until you get a feel for the process and get the hang of it. Once you feel comfortable and not overwhelmed, by all means hit the net and click away! It's a fun way to earn some extra income and eve learn about products before they come out. Plus, who can pass up on a little freebie popping up in their mailbox. Just be prepared to get your mailman a little something extra next Christmas for all the hard work of stuffing your mailbox with all those freebies! So go check out Hotcouponworld's recommended survey sites to get started!

Sunday, February 8, 2009

OSO* Fresh product to save your fruits and veggies



I am a semi-homesteader, well, ok, I'm not much of a homesteader but I'm taking baby steps. One of those steps is I grow many of my veggies in the summer to can and freeze to eat all winter long. However, I still have a weakness for fresh fruits and veggies I can't grow so I turn to the store or market to get them. The only problem is we have to eat them so quickly because the frig turns them to moldy mush in the container, bags, or whatever we store them in. Well, leave to my friend Erin at Jane4Girls$800Annual Budget has found a great product, and of course tested it first hand, that will take away those mushy, moldy fruit blues.

It's called OSO* Fresh Food Containers and they look amazing. I know you're think "I've got to many plastic bowls", these are no ordinary plastic bowls.




Oso* Fresh™ Food Storage Containers are infused with EPA registered and
FDA approved micro-sized silver particles which are proven to reduce bacterial
growth and keep food fresher. While the silver particles keep bacteria out, the
easy-to-open snap on lids keep freshness in. Stackable units nest into one
another for easy storage. Microwave, freezer and dishwasher safe.


At first glance I thought they were pricey, but looking around the site I noticed you could by individual containers and in reality they are comparable to the "T"ware we buy at parties. The only difference is these will SAVE us money and time - time of buying new fruits and veggies and time from throwing out the unidentifiable stuff in the mystery bowl in the back of the fridge.

Saturday, February 7, 2009

How to save with a few easy tips

You ever have trouble with bananas? We love bananas in this house and with 3 teen boys in the house they usually go pretty quick but I remember a day when they would get black and mushy. I ran across some helpful kitchen tips that help a little bit with the bananas.

1. Take your bananas apart when you get home from the store. If you leave them nnected at the stem, they ripen faster.

2. Store your opened chunks of cheese in aluminum foil. It will stay fresh much longer and not mold!

3. Peppers with 3 bumps on the bottom are sweeter and better for eating. Peppers with 4 bumps on the bottom are firmer and better for cooking.

4. Add a teaspoon of water when frying ground beef. It will help pull the grease away from the meat while cooking. (I've also heard that you can put a tsp of water on an egg when frying it to retain the yolk)

5. To really make scrambled eggs or omelets rich add a couple of spoonfuls of sour cream, cream cheese, or heavy cream in and then beat them up.

6.For a cool brownie treat, make brownies as directed. Melt Andes mints in double broiler and pour over warm brownies. Let set for a wonderful minty frosting.

7. Add garlic immediately to a recipe if you want a light taste of garlic and at the end of the recipe if your want a stronger taste of garlic.

8. Leftover snickers bars from Halloween make a delicious dessert. Simply chop them up with the food chopper. Peel, core and slice a few apples. Place them in a baking dish and sprinkle the chopped candy bars over the apples. Bake at 350 for 15 minutes!!! Serve alone or with vanilla ice cream. Yummm!

9. Reheat Pizza Heat up leftover pizza in a nonstick skillet on top of the stove, set heat to med-low and heat till warm. This keeps the crust crispy. No soggy micro pizza. I saw this on the cooking channel and it really works.

10. Easy Deviled Eggs: Put cooked egg yolks in a zip lock bag. Seal, mash till they are all broken up. Add remainder of ingredients, reseal, keep mashing it up mixing thoroughly, cut the tip of the baggy, squeeze mixture into egg. Just throw bag away when done easy clean up. (This is also a great way for the kids to help in the kitchen)

11. Expanding Frosting: When you buy a container of cake frosting from the store, whip it with your mixer for a few minutes. You can double it in size. You get to frost more cake/cupcakes with the same amount. You also eat less sugar and calories per serving.

12. Reheating refrigerated bread: To warm biscuits, pancakes, or muffins that were refrigerated, place them in a microwave with a cup of water. The increased moisture will keep the food moist and help it reheat faster.

13. Newspaper weeds away: Start putting in your plants, work the nutrients in your soil. Wet newspapers, put layers around the plants overlapping as you go cover with mulch and for- get about weeds. Weeds will get through some gardening plastic they will not get through wet newspapers.

14. Broken Glass Use a wet cotton ball or Q-tip to pick up the small shards of glass you can't see easily.

15. No More Mosquitoes: Place a dryer sheet in your pocket. It will keep the mosquitoes away. Plus, you'll smell oh so fresh!

16. Squirrel Away! To keep squirrels from eating your plants, sprinkle your plants with cayenne pepper. The cayenne pepper doesn't hurt the plant and the squirrels won't come near it.

17. Flexible vacuum: To get something out of a heat register or under the fridge add an empty paper towel roll or empty gift wrap roll to your vacuum. It can be bent or flattened to get in nar- row openings.

18. Vacuuming dust away: To remove dust from what-knots without a lot of labor, place an stocking over the end of the vacuum hose and dust away. No damage to the fine parts.

19. Reducing Static Cling: Pin a small safety pin to the seam of your slip and you will not have a clingy skirt or dress. Same thing works with slacks that cling when wearing panty hose. Place pin in seam of slacks and ... ta da! ... static is gone.

20. Measuring Cups: Before you pour sticky substances into a measuring cup, fill with hot water. Dump out the hot water, but don't dry cup. Next, add your ingredient, such as peanut butter, and watch how easily it comes right out.

21. Foggy Windshield? Hate foggy windshields? Buy a chalkboard eraser and keep it in the glove box of your car When the windows fog, rub with the eraser! Works better than a cloth!

22. Reopening envelope: If you seal an envelope and then realize you forgot to include something inside, just place your sealed envelope in the freezer for an hour or two. Viola! It unseals easily.

23. Conditioner: Use your hair conditioner to shave your legs. It's cheaper than shaving cream and leaves your legs really smooth. It's also a great way to use up the conditioner you bought but didn't like when you tried it in your hair.

24. Goodbye Fruit Flies: To get rid of pesky fruit flies, take a small glass, fill it 1/2' with Apple Cider Vinegar and 2 drops of dish washing liquid; mix well. You will find those flies drawn to the cup and gone forever!

25. Get Rid of Ants: Put small piles of cornmeal where you see ants. They eat it, take it 'home,' can't digest it so it kills them. It may take a week or so, especially if it rains, but it works and you don't have the worry about pets or small children being harmed!

And finally a word about your clothes dryer:

If you clean out your lint filter you may think its clean but take it out and run hot water over the top of it. What happens? The water won't go through. Why? You use dryer sheets. Dryer sheets cause a film over the mesh that can cause the dryer to burn out the heating unit. You can't SEE the film, but it's there. It's what is in the dryer sheets to make your clothes soft and static free ... that nice fragrance too. You know how they can feel waxy when you take them out of the box .... well this stuff builds up on your clothes and on your lint screen. This is also what causes dryer units to potentially burn your house down with it!

A dryer repairman said the best way to keep your dryer working for a very long time (and to keep your electric bill lower) is to take that filter out and wash it with hot soapy water and an old toothbrush (or other brush) at least every six months.. He said that makes the life of the dryer at least twice as long! How about that!?! Learn something new everyday! I certainly didn't know dryer sheets would do that. So, I thought I'd share!

Note: I went to my dryer and tested my screen by running water on it. The water ran through a little bit but mostly collected all the water in the mesh screen. I washed it with warm soapy water and a nylon brush and I had it done in 30 seconds. Then when I rinsed it ... the water ran right thru the screen! There wasn't any puddling at all! That repairman knew what he was talking about!


Thursday, January 8, 2009

Consumer Product Safety Improvement Act could make our lives worse


In our quest to save money, many of us with children shop ebay, yard sales, children's consignment, etc. However, there's a law that was passed called The Consumer Product Safety Improvement Act could stop all that. According to The Los Angeles Times, as of February 10th all items for children will have to be tested to be lead free before the can be sold. This could possibly mean it will be illegal for consignment shops, thrift store, yard sales, even ebay sellers to sell children's items since they wouldn't have been tested for Lead making them hazardous. The law was written to protect children from products made with lead products. While it was a well intended law, it could potentially hurt a ton of businesses as well as hit our own pocket books. Several people are trying to get the Consumer Product Safety Commission to amend the law so that it doesn't hurt the resale industries.


Let's all hope that this gets amended before we loose one of the best ways we've found to cloth our children and even recycle our children's outgrown toys and clothes. This could really rock a lot of our worlds.

Friday, January 2, 2009

PAPERS! PAPERS! GET YOUR PAPERS!...


Sunday's papers that is. On a tip from Saving Money Ideas, I've learned that this Sunday's inserts will be a wonderful New Year's gift. With a total of 5 different inserts, three Smartsource inserts and two Red Plum (Valassis) inserts, the possibilities are endless. This basically amounts tons of savings and swaps for the avid couponer. How does she know? She pointed to Taylortown Preview to see a complete listing of the coupons that will be in this weekend's paper. So I ventured over and WOW! What an awesome resource. Her dedication and hard work/time really pays off. She offers a preview of the upcoming weeks insert coupons AND offers them for sale including past inserts. Of course, they are on a "While Supplies Last" basis but if you are looking for a particular coupon, she's more than likely got. Or if you just can't remember when a coupon came out or if there is one for a particular product, she has a search feature that works by pressing ctrl + F to pop up a search box at the bottom of the screen. To see what's coming click here: Taylortown

Tuesday, December 23, 2008

Wraping a small paper gift the fun way

One of my favorite parts of Christmas is watching my boys open their Christmas presents on Christmas morning. This year I got my oldest son, car insurance and the car my dad gave him registered so he has some wheels when he gets his license next month. (Oye Vey) This was quite a big expense and took up a good part of his portion of my Christmas budget. It made me a little bit sad to think he'd get to open one or two little things and then an envelope with papers in it. Sooooo, I decided to do something different. Something that would let him open presents and have fun.

First thing I did was make this certificate. The picture's a little hard to tell but it says: World's Soon To Be Best Driver...in recognition of getting your car registered and insured. You may now drive your car. I then included it and the registration and insurance card in a box that opened up to show them nicely.


I then made little cards/papers with cute says on them like This isn't your present...keep going...not there yet...etc. Then I got a bunch of different boxes to put those in:


Then I put the actual gift box in the bottom of the box and threw all the other boxes, totalling I believe 12 boxes, in on top of the present box. I used every shape an size I could think of.


Then I wrapped it all up pretty and put a bow on it.




Now he'll have just as many or more presents to open. Hee! Hee! This was my frugal way of giving him a fun and good Christmas. I hope he enjoys it as much I did coming up with it!

Yesterday I mentioned Hotcouponworld.com in my quest for free toliet paper. I thought I should tell you a little about hcw. I stumbled across this wonderful virtual community by accident one day and have never turned back. It's a huge resource for the hard core couponer AND the beginner.


At HCW, there's a place for everything - from introduction to couponing and the entire process to get started, to where to find coupons and even suggestions on how to set up a coupon organizing system. Other resources include individual sections for individual stores that list current and upcoming sales, how to handle any problems you encounter, sharing deals people have gotten there, and my favorite, the wonderful ladies (& gents) list coupon match ups to the sales ads. Helping you get the most out of your money.
There are so many resources on this site, you'll find yourself addicted to it. Not only do they help you learn and navigate through the wonderful world of couponing but they also list freebies, have a helping hand program, classifieds, coupon trading, and even a place to blow off steam.
If you are new to couponing or you're a pro and have never stopped by, I highly recommend clicking over there. Hotcouponworld.com is an excellent source of knowledge, encouragement, and just a lot of fun while saving. I learn something new every time I'm there. Go check them out: Hotcouponworld.com

Monday, December 22, 2008

FREE TP & the rest of my shopping "experience:

Today I did some grocery shopping, partly for Christmas dinner; partly for the fact we will be eating 3 meals a day at home for the next 2 weeks while I’m off work, and of course, there was a sale and I was armed with coupons. I don’t have my camera set up yet but I’ll work on that later & post some pictures. (that always makes it seem more real! Lol)

My first stop was to Walgreens were I attempted to pick up a Conair blow dryer for $10 and get a $10 RR (register return) making it virtually free but I was too late. They were gone before 5 am! It was a great deal; but I do still have my loyal dryer. I was able to take advantage of their Pepsi product sale and picked up 4 – 12 pks of pepsi products for the 4/$12 deal and received a $3 RR (my first, yeah me!) I always seem to miss something when I try to do the RR specials. That made them 4/$9 (just under $3 a piece) I also picked up 2 of the 15 count waters for $1.99 each with Walgreens coupon. We went back after our trip to Kroger & price comparison on the Betty Crocker Brownie bowls. I had 3 coupons for .50 off two and they were on sale for 3/$5. I used my $3 RR .

I picked up MANY (too many probably) things at Kroger but my brag deals have to be the Pillsbury Frozen Biscuits on sale 2/$5 then I had .50 off Coupons which were doubled making them $1.50 each. I bought 6 making it a total of $9.oo PLUS each bag had a $1 off coupon for Pillsbury frozen Cinnamon rolls!! So that’s kind of like only spending $3 (ok that might be stretching it but you get the picture). Now my favorite deal which my family is so tired of me bragging about it is one I have to give props to the ladies (& a few gents) on HOTCOUPONWORLD.COM! Thanks to a tip from one of the ladies in the Kroger forumn I learned that Kroger carries the 4 pk Cottonelle TP for $0.99 I surfed the web until I found 4 $0.50 coupons which Kroger doubled. DRUMROLL……..I purchased 4 packages of the 4-pk Cottonelle for a grand total of -$0.04!!!! I also had earned enough points to get $0.10 off per gallon which I needed gas so I filled my 4 wD up for $30.00 which never seems to happen. Again…Yeah me! Lol

Without boring you with all my items here’s an overview: At Walgreens I saved $14.50 and at Kroger $36.45…$15 of that was pure coupons! It was a productive day and I feel like I really accomplished something today. It took some work surfing the web and digging through my coupons but it was well worth it. For those out there that say you can get the off brand for cheaper than wasting your time with coupons…well yes, sometimes you can but sometimes the coupon, combined with a sale, and the right store that doubles can make the name brand cheaper than the off brand. It just takes time to comparison shop. My advise…invest in a good calculator…or carry your 14 year old math whiz…that’s what I do.

Saturday, December 13, 2008

Some of my online shopping "Tools"

I've picked up a few little tools to help me save this Christmas season while shopping online. I don't particularly like to shop and since there are 3 to buy for in my house it gets tricky to buy without having someone around. On top of that I don't really have a lot of time to shop. I turned to online shopping a few years ago because (1) I can find things that aren't in my area, (2) I can do it in secretly (aka out of prying eyes) (3) I can look for the best deals, and (4) I can do it in my PJ's!! Here's a few of them. (*BTW: I am in no way affliated with any of these and I don't get anything for share these. I'm just sharing not earning*)

1. ShoppingNotes.com This is a great site if you find that PERFECT gift but its still out of your reach or not on sale yet. You cut and paste the URL of the item you are looking for and when the item's price goes down, your sent an email alert. It keeps you from having to constantly look for it to go down.


2. One a day sites. These are sites that sell basically one item per day. I was able to find MP3 players for $9.99 on one of these. These are the ones I've had the best luck with. There's many more but these I've used the most.


3. Mypoints.com I shop online stores listed there (which are basically all the major online stores) so I earn points for gift cards. I figure a few extra clicks are worth the time and energy since I'll earn extra by turning in points for gift cards for other things I want or need.


4. Deal of the day. Most websites have a tab or link somewhere on there site that lists a deal of the day. Sometimes its simply free shipping but other times its up to 90% off an item. I've ran across a few that have a small window or small number of items to get it at a cut rate price but I find its worth doing a quick click through to find it.


5. Online Coupon codes. Before I complete a checkout on any website, I google for coupon codes for the store I'm shopping for. Sometimes I get lucky and sometimes I get zilch. But it never hurts to knock off even 10% off shipping.


I'm sure there's tons of tools online out there to help make shopping online less of a cyber kick to the wallet. Every day I stumble across something new that helps with some aspect of cutting my shopping cost.

Friday, December 12, 2008

In the Beginning...

As this year comes to an end, I've decided to start a project for myself. I'm going to track my spending (and lack of spending) over the next year. Since July I've been reading, studying, and even dabbling in couponing and rebating. I've actually done a pretty good start but I have in no way tracked how much I've spent or saved. Thus, this is my self improve project for 2009!!!

First thing I need to do is figure out what my true income/liquid assets, recurring expenses such as utilities, traveling gas, etc., and need base expense are. That sounds easily enough, right? Somehow its not coming to me that easily. That's one of the reasons I'm starting this blog ahead of time; before the actual 2009. I need to get a grasp of where I am financially both incoming and outgoing.

In general, I'm a single mom of 3 boys: Crisco 18 soon to be 19 and graduating this year, Wes/Andrew (its the name game with him; his name depends on his mood) he's 14, and little bit who's 11. They eat like an army constantly so groceries will be the area I will concentrate the most on in cutting costs. I commute to work - about 44 miles and work for the State which at this point is in a Budget Crisis so my income has been froze for the past year and will be until July when it may be either cut somewhat or well...I don't want to think the worst. Also, I'm a part time student working on my IT degree so I do have some expenses there.

Overall, I just need to spend the next couple of weeks going over what's coming in and what's going out. I plan to document my next year on this blog so I can look back and learn from it and possibly even get the input of anyone who stumbles across here and of course, share what I learn on the way!

Wish me luck!
Gertie