52 Week Savings Challenge

Start your new year off the right way – by saving money.  Take the 52 week money challenge below, and you’re guaranteed to save almost $1,400 by the start of the new year. Ready, set, go!

52WeekMoneyChallenge JPEG

Back to School Shopping Strategies to Spend Smart

back-to-schoolSo here is the deal: it is impossible to avoid back to school shopping. The plain truth is you need to get certain supplies to make sure your child is prepared for back to school season. This can become quite expensive, as children seem to need more and more every year. But savvy spenders know that there are several tips and tricks you can follow in order to save big. You don’t have to be a shopping guru or expert in order to save, you just need to know where the deals are, and the places you can save a few pennies. Below, you will find back to school shopping strategies to spend smart and save big.

You will find that these tips are simple to follow and don’t require a great deal of know how or time. Give these tips a try and see how easy it is to shop smart and save big. Take a peek!

1. Get your child involved.

Explain to your child what the difference between wants and needs are. They won’t be able to get every single item they want and you should be able to tell them that. Before shopping, make a list with your child based on the list the school provides. Make sure your child understands what they will be getting to prepare them for school and what can wait.

2. Eliminate gimmicks.

Teachers will tell you that things like sparkly erasers, light up pencils, and other fancy items can be a distraction. They are not only a distraction, but they are more expensive than plain items. Instead, forget about these back to school gimmicks and keep things simple. It costs less.

3. Keep your supply list in the car.

While you are running your errands, you will want to keep your list on you should you run into any deals. If you don’t have your list, you could miss out on a hot deal. Keep your list in your car or in your purse so if you come across a sale or a free with rebate deal, you have your list to see if you need it or not.

4. Buy basic supplies in bulk.

You can buy basic supplies such as paper, pencils, and notebooks in bulk. Warehouse stores are perfect for buying these items for less and having enough to sustain you for the rest of the year. Do the math and make sure the bulk price beats the a la carte price before you shop.

5. Negotiate a group discount.

Gather the other parents at school and see if you can rally together to save. A group of parents may be able to negotiate a group discount from a local office supply store. Contact stores in your area and see if they are open to the possibility of this. Then, contact parents and get the ball rolling.

6. Stock up and set up a home store.

Buy items on sale, free with rebate, or in bulk and then gather them in a storage bin. Keep the bin in a safe place where they can be shopped during the year as they are needed. That way, you are not having to run out and buy items during the year, possibly spending more.

7. Help your school and yourself.

Ask if your school participates in a program like OneCause. If so you can shop for supplies often receiving a discount and special coupons. Plus with your purchase, your local retailer will donate a percentage to the school of your choice. It is a win/win!

See how easy it is to save money on back to school? With these back to school shopping strategies you can learn how to spend smart and save big. These tips will help you make the most of your cash and stretch your shopping dollar. Give them a try and see how quickly the savings add up for you!

*Click here to view the article source.

7 Tips for Saving Time & Money When Shopping Online

Ever wonder what the real experts know that you don’t when it comes to online shopping?

Little tricks of the trade that make the buys better, the discounts deeper and the whole experience of online shopping even smoother?

It comes down to a few smart strategies, a little organization — and the willingness to walk away from sites that skimp on consumer must-haves, like convenience and security. These days, when it comes to retail goods, shoppers are making more than one out of every six purchases online, according to statistics from the National Retail Federation. And that number is growing. Want to make your surfing, clicking and buying quicker, cheaper and easier? Here are seven insider strategies:

1. Get the coupons, skip the spam.

What’s the difference between getting a big discount and missing out entirely?

With online shopping it can be a matter of timing. Most online shops “release coupons on the second of the month or on the 27th or 28th,” says Hillary Mendelsohn, author of “the purplebook” online shopping series.

“So that’s good to know, timing-wise,” she says. While coupon codes are great, stores don’t always release them to coupon code aggregating sites, Mendelsohn says.

Her strategy: She registered for a free email account and uses that address to sign up for coupons at the stores she regularly shops. When she’s ready to buy, Mendelsohn logs into the email account and does a quick search for that store. What she has instantly: All its coupons.

“This is a great way of not having your [regular] email box filled with spam and being able to access the deals you want all the time,” Mendelsohn says.

2. Consider automating regular buys.

Have something bulky or heavy that you buy regularly?

Instead of lugging it home yourself, consider setting up an automated order, says Mendelsohn, who uses Amazon’s “subscribe” feature to get her kids’ favorite tea by the case every other month.

“I don’t have to place the order, and I get a discount,” she says. “And it’s free shipping. It makes a huge difference, and I don’t have the schlep it.” What it’s good for: “Big things you need constantly” from diapers to dog food, she says. “You save money, you save time and you save schlep energy.”

Free shipping can also sub in for “free delivery” for large one-time purchases, such as patio furniture and ping-pong tables, she says. With all the options for shopping and delivery, it pays to think strategically and “be smart about what you order online and what you go to the store for,” Mendelsohn says.

3. Coupons + discount gift cards = more savings.

What’s better than a coupon for something you need? Being able to combine that coupon with a discounted gift card to amp up your savings.

And while you often can’t use two different coupons on one item, you can use a coupon with a gift card purchased for less than face value, says Michelle Madhok, founder of SheFinds.com, an online shopping site.

Madhok’s tip: Use a gift card search site (her favorite: GiftCardGranny.com) to find a reputable seller for whatever card you need. And stick with well-known, legit companies, rather than individuals, she advises.

You can often buy them for 6% to 15% off face value and many are ecards, so you don’t have to wait for delivery, Madhok says. Then “stack the deal” with a coupon or promo code, Madhok says. Recently, “I used a digital gift card and coupon code on a $300 purchase and ended up saving about $50,” she says. Want to ratchet that up even more? Use a credit card that gives you rewards or cash back, says Madhok. Some cards will even boost those rewards if you buy from certain merchants or use the card’s app or online site as a jumping off point for your shopping.

4. Use alerts to save, not spend.

Be careful about subscribing to those “daily deals,” says Kit Yarrow, consumer psychologist and author of “Generation BuY: How Tweens, Teens, and Twenty-Somethings Are Revolutionizing Retail.”

Here’s why: They present a sudden deadline, plus an element of competition, she says. “People make hasty decisions when they feel like they’re competing with other shoppers.”

“I’ve found that shoppers tend to end up buying more, and they also buy less-satisfying things through this process,” Yarrow says.

When alerts can save: After you buy. Set up a price alert for the item and if the price drops, email customer service about a refund of the discounted amount, says Madhok, who used this recently to save $70 total on two separate buys. “Usually, they’ll honor it within two weeks” of purchase she says.

5. Make the most of that shopping cart.

If you want to save a few bucks, that shopping cart is valuable real estate.

“Pre-load your shopping cart with items you’re hoping to buy, in order to snap them up quickly if they go on sale,” says Yarrow.

“Most sites don’t empty your shopping cart if you’re a registered user,” she says. “So when they go on sale, you’re ready to go.”

It gives you time to rethink your buying decision, too, she says. “This process also helps shoppers make better decisions because it forces a ‘cooling off period.'” Want an extra incentive not to spend? Consider the cost and hassle of returning before you click “buy,” says Yarrow. And find out who pays return shipping.

6. Find out upfront: Available or back-order?

Shopping under a deadline? Check back-order before you pay, says Leslie Linevsky, co-founder of Catalogs.com.

Ideally, sites should notify you that something is out of stock when you place it in your shopping cart, she says. But not all of them do. Some notify you after you’ve given your card information, but before they bill you, Linevsky says. Others may not tell you at all. So keep back-order in mind as you shop and look for indicators that your merchandise is actually available. If the site doesn’t disclose if an item is in stock, call before you place the order, says Linevsky. Or go to a site that makes it plain, she says.

7. Practice safe shopping.

If you really want to save time and money, it pays to be as safety conscious online as you would be at your neighborhood mall.

Some smart habits:

  • When you’re supplying personal data (such as your name, address or card number), make sure you’re on a secure, encrypted page, says Frank DeBlasi, co-founder of HooplaDoopla.com, a cash-back shopping site.
  • If the URL has an “s” (for “secure”) after the “http,” that means “any information you send is being transmitted securely,” he says. “You never want to shop anywhere that doesn’t have that.”
  • Likewise, you don’t want to use public or office computers for shopping. Information can linger, even if you think you’ve erased it. (Not to mention that some employers actually monitor your keystrokes.)
  • Skip the public WiFi, too, says DeBlasi. “You never know the true level of security of the network you are connected to,” he says. “On your home network, you have control of the level of security.”
  • And watch how you pay. “Always use a credit card when you purchase online, not a debit card,” DeBlasi says. With a debit card, if something goes wrong, you’re fighting to get back cash that’s already missing from your account, he says. “When you use a credit card, you have a middle man in the transaction. And the money isn’t removed from your account.”

Article Source: Foxbusiness.com

new%20ncua%20disclaimer-resized-600equal%20housing%20lender%20logo-resized-600

7 Ways to Stop Eating Out and Start Saving Money

family%20eating%20at%20dinner%20tableCut back on the amount you spend on take-out and restaurant dining. Although it may be the easier way out to dine out, it will become hard once you realize how much money you actually spend per year at restaurants and fast food venues. The average American household spends almost half of its food budget on eating out — out of about $6,000 spent on food a year, about $2,700 goes to eating out. Alcoholic beverages alone contribute almost $500 to that budget. Eating at home is not only cheaper, but it’s most often a lot healthier too. Here are some ways you can avoid the temptations and cravings of fast food:

1. Grab and eat foods rule. One of the reasons we love fast food is because it’s fast. In just a few minutes, we’re chowing on hot, tasty foods that satisfy our need for immediate gratification. Healthy foods to keep on hand are trail mix, fresh fruits and veggies (precut for easier consumption), granola bars (yes, you can make your own at home), pudding or Jello, pretzels, cottage cheese, salads, and sweet treats like miniature candy bars or Hershey’s kisses. Packaging foods in individual bags makes it easy to take snacks with you when you leave the house, too.

2. Money saved is money earned. Start a special savings fund for something you’ve always wanted, like that new fishing boat motor, an iPad, or an exotic vacation. Every time you’re tempted to eat out, take the money you would have spent on take-out food and add it to your dream fund. The knowledge of saving for something worthwhile is often enough of a motivator to keep you from turning into McDonald’s after work.

3. Make cooking at home enjoyable. Turn up your favorite music, involve the whole family, or splurge on a nice set of spices. Whatever it takes to make cooking enjoyable for you is a worthwhile investment. Trying out new recipes, creating your own dishes, and filling your home with the smells of home cooked food can all be great starting points for fostering a love of cooking. If it’s enjoyable, cooking at home can be healthy and relaxing, making it an ideal hobby.

4. Planning ahead helps you avoid temptation. Menu planning and preparing foods in advance can really help out when you’re feeling unmotivated to cook, and tempted to eat out. You can make your own Hot Pockets and freeze them for later, or keep a prepared menu every week to take the pain out of deciding what’s for supper.

5. Learn to make your favorite fast foods at home. If you simply can’t live without that Big Mac, or you get a weekly hankering for KFC chicken, you can learn to recreate your favorite fast food recipes at home.

6. Make meals a social occasion. Another way to take the pain out of eating at home is to create a meal rotation plan with your neighbors and friends. You rotate meeting at everybody’s homes one day a week to showcase everyone’s cooking skills and to enjoy some fun times. Quite often, the company makes even the most mundane meals exciting.

7. Spruce up your kitchen and dining area. If you take time to make your kitchen and dining area appealing, you will be extra motivated to spend time in those areas of your home. If your kitchen features brightly colored dishes and your favorite framed prints, you might be more likely to be drawn to your own kitchen rather than a fast food restaurant.

Article Source: http://moneyning.com/frugality/7-ways-to-stop-eating-out/

5 Tips for Holding a Frugal BBQ

One of the many joys of summer are BBQs. The aroma of hamburgers and hotdogs grilling, the refreshing taste of lemonade and watermelon and finger licking corn on the cob…can you say YUM?! But as we know, frequent outdoor entertaining can become quite pricey. Here are a few ways to save some money:

portal-graphics-20_1156087a1. Bring Your Own

The classic BBQ frugal tip is to have guests bring their own. They can bring whatever type of meat they want — or other items to grill, including fish, veggies, and tofu/soy based meat substitutes. Not only can this save you money, but it also ensures that everyone is happy with the BBQ offerings.

Even if you don’t have your guests bring their own meat, it’s possible to have them bring their own drinks. This is a great way to make sure that everyone has the drink he or she wants, and it can save you money — especially if your guests prefer alcoholic drinks.

2. Pot Luck

Perhaps you want to provide the meat and the drinks. You can reduce your costs in other areas by asking guests to bring something to share with everyone. Assign chips, fruit bowl, veggie tray, buns, condiments, and other items. You can even ask someone to bring the paper plates, napkins, and cups. If you are doing a themed BBQ, ask someone to bring decorations. This will help you save a little money on the affair, and ensure that everyone has a good time.

3. Consider Plastic Dinnerware

If you are serious about providing BBQ entertainment, you can purchase inexpensive, reusable plastic dinnerware. The initial outlay is a little bit more, but you can reuse the plates, cups, and utensils year after year. You won’t have to keep buying the paper versions (which can get expensive). The clean up isn’t too bad, either, as long as you get dinnerware that is dishwasher safe.

4. Carefully Consider Your Meat Purchases

Those who like providing the meat can do so less expensively by taking care to consider what they choose. Bone-in steaks are often less expensive than boneless varieties (and it helps keep the meat from drying out). You can also buy ground beef and form your own patties, rather than buying pre-made patties. Another option is to make kabobs. You use less meat, and more veggies, so you can keep the costs down. Get creative, and you will find that you don’t spend as much money on your BBQs.

5. Buy Your Grill Items Off Season

Finally, if you want to save more money over time, you should buy your grill items in the off season, and on sale. Get a grill in the fall, and you can get it for much less. The same is true of cooking utensils, as well as outdoor furniture and other items. You can also get charcoal, propane and other related items on discount if you are vigilant about prices. Pay attention, and you can save more over time, and reduce the per-BBQ cost of your outdoor entertaining.

Article Source: http://moneyning.com/money-tips/5-tips-for-holding-a-frugal-barbecue/