Category Archives: Saving Money

Stay Cool this Summer and Save Money

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The summer sun is hot. You come inside to escape the heat, but more than likely you’re also spending a ton on those energy bills. Below are a few ways you can stay cool this summer while also staying on top of your budget.

Adjust your air conditioning accordingly.

Of course, you want to take full advantage of your air conditioner, but do so with some forethought. Before you leave for work or even to run a few errands, crank the air up a couple degrees. That way when you’re gone, the house isn’t being cooled down when there’s no one home.

Also, turn the air up at night and on cooler days to avoid unnecessary costs. Many HVAC units also have programmable features that allow you to customize how your system runs, which can really help when your bill arrives. Another great idea is to close vents in any rooms that are unused to avoid wasting that cool air. Always change out air filters when needed, to avoid any clogging that may make your unit less efficient.

Fans are your friend.

Another great idea for keeping your home cool is to periodically run ceiling and other fans to keep the cool air flowing. This can also help spread the cool air when you return home after having your air conditioning unit cranked up while you were away.

Unplug unused items.

During the summer, it’s natural to want to get inside and flee the heat, but be mindful of how much more energy you are using while running those devices. Computers, televisions, and other gadgets are a great way to stay entertained – but they also can use a lot of power and put a dent in your wallet. So, when not in use, get unplugged to cut costs and save electricity.

Wait to run appliances.

If you are able, hold off on running the dishwasher until the evening when the sun is low and it’s not as warm. That way any heat emitted will be less noticeable in your home. The oven can also make your house hot, so consider cooking on the grill to keep the heat outdoors. Additionally, save your showers for the evening so your bathroom isn’t unnecessarily warm while you’re getting ready in the morning and rushing out the door.

Article Source: Wendy Bignon for CUInsight.com

6 Ways to Save on Groceries

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Budget and stick to it.

Filet mignon is delicious, but buying too many pricy items could break the bank. There’s nothing wrong with buying what you want, but you have to make it work within a budget that’s comfortable to you. Have the filet one night, and a simple salad the next to enjoy luxuries and a healthy relationship with your money.

Shop sales wisely.

Stocking up on items is a great plan. However, stocking up on items you won’t or can’t use is a waste of money. Also, even if the sale is fabulous, it’s not to your advantage if buying that item now means you break your budget. 15 cans of creamed spinach for $2 is only a steal if you’ll actually eat it.

Switch to store brands.

The quality of store brands varies, but if you’re able to find a product that works for your family for less, you’ll save on every trip to the store. This simple trick will leave more room in your budget for splurges.

Digital coupons.

Many stores now offer savings apps or text coupons. Use them to save on your bill, but use with some caution. Sign up only for those you can regularly use or you’ll be swamped!

Store discount cards.

Discount cards mean savings on everything you buy. For example, Target’s Redcard. Cardholders save 5% on every purchase on everything from grills to electronics to toilet paper. Don’t forget about store savings cards as well – for example, your shopper’s club discount at Shoprite. Those who shop without one of these cards often can’t take advantage of the sales.

Never shop hungry.

We’ve all done it and we’ve seen the consequences to our wallet (and sometimes our waistlines). Even sardines and kale look good when you’re hungry. So instead, eat a snack before you walk down the snack aisle and buy what your brain wants, not your belly!

Check out other money saving grocery shopping tips here.

Article Source: Jennifer Reynolds for CUInsight.com

 

4 Budget Friendly Summer Date Night Ideas

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Summertime is upon us and that means the kids are out of school. We find ourselves spending a lot of time (and often, money) making sure they are happy and entertained during the summer months. It’s important that we don’t forget about ourselves in the process. Even if you’re not a parent, finding time for your relationship with your significant other is essential to a healthy partnership. Below are four ideas for fun summer date nights that won’t put a hole in your wallet.

Catch a baseball game.

Even if you’re not in a big city that boasts a professional baseball team, check out MiLB.com to discover a minor league team near you – like the Jersey Shore BlueClaws. Tickets to minor league games are less expensive and the snacks and drinks are typically more budget friendly as well.

Check out the night sky.

How often do you and your partner take time to gaze at the night stars? Summer is the perfect time to grab a blanket and get outdoors. You don’t need a pricey telescope to find those constellations in the sky. Check out this free Star Tracker app and explore the universe from your own backyard.

Enjoy some ice cream.

There is nothing like a cold treat when it’s hot outside. Instead of a date night at an expensive restaurant, opt for a dessert date instead. That way you’re still out together enjoying something delicious, but for a $10 price tag instead of $100.

Have a game night indoors.

Get inside and away from the heat and be a kid again. Have a game night with all your favorite board games. The games and snacks won’t cost much and the winner’s bragging rights are priceless.

Article Source: Wendy Bignon for CUInsight.com

5 Ways to Save on Common Household Expenses

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You’re probably always looking for ways to save at home, right? Sure, you can take drastic measures like living in a tiny house, but there are far easier ways to save money. Here’s a look at a few ways you can easily save a few bucks on your common household expenses.

Bundle up.

We’ve all got internet, and some of you have yet to cut the cord on cable services. If you plan on keeping it around, the least you can do is bundle up your services. If you’re paying two different companies for those services, that’s crazy! Check out allconnect.com and find a bundle package that’s available in your area.

Clip those coupons.

This doesn’t sound complicated, and for good reason. Even if your grocery bill is smaller than most, remember that you don’t have to be a family of five to save money at the checkout. Check out the weekly ads at your grocery store and keep those coupons that come with your receipt.

Cancel that gym membership.

That gym membership sounded good around New Year’s but now you’re only going a few times a month – if that. You can save that money and buy a bike and some dumbbells, or even just a new pair of running shoes. Only keep your gym membership if you’re truly committed.

Find cheap entertainment.

Sometimes local theaters have discounted movies on certain nights, or maybe your town has free movies in the park in the summertime. If you don’t have those options where you live, head to the Redbox and make it a double feature for way cheaper.

Make coffee at home.

You’ve probably heard this one before. You like your Starbucks coffee and don’t want to settle for making your own. Grab a Keurig and buy some K-Cups – you can even by Starbucks K-Cups. That 3-4 dollars per day will really add up. In fact, if you start putting that cash away every day, you’ll be pleasantly surprised to see what you’ve got a year from now. Next year’s summer vacation may be paid for!

Article Source: John Pettit for CUInsight.com

 

4 Ways to Save Money on Transportation Costs this Summer

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It takes money to go somewhere. Whether you drive or have someone drive you, you’re going to have to budget a portion of your income to help you get around. If you’d like to spend a few less dollars in that area, here are some tips that can help you save money while getting from Point A to Point B.

Drive better.

It takes gas to make a vehicle run, but it takes less gas when you’re driving more responsibly. We all get in a hurry from time to time, but you can improve your gas mileage if you try to speed less. Some cars have an “ECO” light that turns on when you’re cruising at an economically favorable speed. If you don’t have a similar feature, try and stay at a constant speed and not brake/accelerate so much.

Find the cheapest gas.

When you have a need, there’s usually an app for it. GasBuddy can help you find the cheapest gas around and it’s powered by users, so you get to help let others in on the discounts as well. Just try to never let your tank get too low or you won’t be getting many options on where to fill up.

Get a bike.

If you have a short commute, you can solve two problems at once. If the weather is nice and your commute is short, why not leave the keys at home and take your bike to work?

Start a carpool.

Have some coworkers who live nearby? If so, there’s no excuse for not starting a carpool. By taking turns driving each week, you’ll save a lot of gas money over the course of the year. If you like driving too much to be a rider, why not pick up that coworker everyday? They can pay you a flat fee for the ride, you’ll make a few bucks, and they’ll save the wear and tear on their vehicle. Everybody wins.

Article Source: John Pettit for CUInsight.com

 

7 Money Saving Party Hacks

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Group Of Mature Friends Enjoying Buffet At Dinner Party

Hosting a party is a fun way to express hospitality to friends and family, but the expense can also be a strain on the budget. The concern with trying to throw a party on the cheap is that it will end up looking or feeling just as cheap. So how do you pull off an amazing, classy party that’s much less expensive than it looks? are seven simple ideas for you to try next time you want to host a gathering.

1. Make your own decorations with inexpensive materials rather than purchasing them pre-made.

Decorations are one of the easiest things to get away with doing cheap without sacrificing appearance, especially if you borrow ideas from frugal decorating blogs or Pinterest. Here are a few fun ones, just at a glance:

  • Construction paper stars
  • A “chandelier” made from a spray-painted umbrella frame and a string of lights
  • Window displays made by hanging single bulbs from tension rods
  • Ribbon — cheap, plenty of variety, and it looks good everywhere

2. Go to the dollar store for disposable paper goods, but serve from real flatware.

Not everything at the dollar store is a deal, but it’s a good place to find cheap disposable paper goods and supplies, holiday decorations, and bulk party favors that make it more affordable to customize for one occasion. To avoid even this expense, make your party a little classier by serving on real dishes. That’s right – pull out that fine tableware you never use and put it to work. The savings and elegant appearance of your party will be worth the extra load of dishes later.

3. Plan your menu based on sales, make your own appetizers and dips, and opt for cheaper desserts, drinks, and cheese.

Base your menu around what’s on sale, and get creative just like every other occasion. Appetizers like dips and breads are cheaper if you make them yourself, and a DIY dish has the added effect of appearing gourmet. For dessert, a punchbowl trifle is easy to make, visually appealing, and serves a large crowd. Instead of buying expensive, aged cheeses, use cheaper varieties like ricotta and feta and add herbs, honey, or spices for extra flavor. Finally, a common recommendation for saving money on drinks is to feature just one signature cocktail.

4. Presentation is everything.

You also don’t have to serve rich foods to impress your guests. Even the cheapest appetizers and dishes can look impressive if you take the extra step to plate them appealingly in glass dishes or trays and spruce them up with garnish and added touches.

5. Go with a theme: appetizers-only, dessert-only, cheese and wine, or a cookie swap.

Choosing to elaborate on a limited category adds uniqueness to your party while cutting out the expense of a multiple course meal. Sticking with small-plate finger foods that can be carried also encourages people to walk around, mingle, and creates a livelier party.

6. Ask your guests to contribute food, but with class.

Potlucks are a cheaper way to handle gatherings with family, but you might feel awkward asking guests to bring food to your party. Instead, ask people to bring a specialty item to share, such as a batch of their favorite cookies, or make it a “bring and share your favorite wine” event. This also makes the food or drinks a focal point for conversation and a natural ice-breaker for interaction.

7. Less is more.

Finally, less is always more when it comes to throwing a classy party. Too much stuff and fuss can come across as cheap no matter how much money you spend. The fewer, tasteful decorations and key foods (in plentiful quantities), the more memorable your event will seem.

Article Source: Jessica Sommerfield for MoneyNing.com