Showing posts with label Budgeting. Show all posts
Showing posts with label Budgeting. Show all posts

Friday, February 19, 2010

Lots of Clearance Sales!







On the 17th, I posted an article from IngDirect about major chains dumping many brand name items; well, it must be true.  Go to your local WalMart, Target, and/or KMart and marvel at all the clearance sales not listed in their flyers!  This is both good and bad news for the consumer.  It's good because, when combined with coupons, these clearance sales can make for spectacular deals.  It's bad because it will mean fewer choices in the stores and an even bigger monopoly for the almighty WalMart.

Thursday, February 18, 2010

New Price Book



























 

 














With the economy the way that it is, it has become necessary for me to use a price book once again.  When Amy Dacyzn began the Tightwad Gazette as a newsletter, I followed her in starting a price book and cutting corners wherever possible.  After a while, I had the prices of most things memorized and need my price book less frequently and eventually gave it up altogether.  Today, I made a new one.  As you can see from the photos above, the front section has a small calculator, a necessary evil for middle-aged brains like mine, and a pocket divider labeled "Today."  This pocket will hold the day's shopping list and any coupons I use.  The subsequent sections of the notebook are divided by category, much like a coupon holder would.  Each divider has a pocket for that category's coupons and each section holds a columned sheet for pricing.  I decided to make a separate page for items that I purchase on a regular basis, like milk.  Each sheet has the date purchased, the brand (if applicable), the store that the item where the item was purchased, the size (how many ounces, etc.), the unit price, the comparable generic price available at that store, if I had a coupon & the value of it, and the final price.  It may seem like a lot of work or too much (or too little) detail, but these are the questions that run through my brain when determining whether or not something is a good deal.  I think this or any other price book would be a good project for a lady in waiting or newly married.  If you have a price book, please comment below how yours is different, as I'm always open to new ideas.

Saturday, February 13, 2010

Today's Grocery Trip :D




Tuesday, February 09, 2010

Can't Miss Deal!

Now through February 14th 2010, use coupon code HEART at check out and get 80% off of your gift card purchase. You can get a $25 gift card for $2.
Right now Restaurant.com is offering a FREE bonus $15 FTD credit with every order.
1- Visit Restaurant.com
2- Enter your city & state or zip code
3- Find your favorite restaurant & add the gift certificate to your cart
4- Enter coupon code : HEART
6- Check out & print your gift certificate
*This post contains affiliate links. See full disclosure here.

Hat tip to: http://aproverbswife.com/

Thursday, February 04, 2010

Coupon Lingo

BOGO – Buy one, get one free
SS – Smart Source (coupon inserts in Sunday’s papers)
RP – Red Plum (coupon inserts in Sunday’s papers)
PG – Proctor & Gamble (coupon inserts in Sunday’s papers)
GM – General Mills (occasional coupon inserts in Sunday’s papers)
Blinkie – coupon dispensers in stores
Peelie – coupons found on products that you peel off
Hangtag – coupons found hanging on bottles
All You – Magazine sold at Walmart or via subscription

Blinkies List


















These coupons should start appearing in your stores between Saturday 1/30 & Thursday 2/4 for grocery stores, 2/6-2/11 for drug stores & 2/13-2/18 for dollar type stores.

These are in no particular order:

Garnier Herbashine hair color $1/1 exp 2/28/10 tearpad - doesn't say dnd

Garnier Nutritioniste Ultra-lift product exp 5/1/10 tearpad - doesn't say dnd

Kellogg's $1/2 frootloops, applejacks and/or cornpops cereal (10oz or larger) exp 3/6/10 dnd5

LaChoy creations (any variety) $1/1 exp 3/31/10 dnd5

Any Celestial seasonings tea $1/2exp 3/7/10 dnd5

Sadler's dinner for 2 (any variety) $1/1 exp 3/6/10 dnd5

Scott extra soft bath tissue .75/two 4pks or one 6pk or larger exp 4/10/10 dnd5 & dnd9

Dial for men body wash $1/1 exp 3/31/10 dnd5

Keebler town house crackers $1/2 (11.7oz or larger, mix or match, any flavor) exp 3/6/10 dnd5

Smart balance sour cream .55/1 exp 4/15/10 dnd5 & dnd9

Any Egg beaters .65/2 exp 3/31/10 dnd5

Eggbeaters .35/1 exp 3/31/10 dnd9

Kleenex .55/any 3 facial tissues or any 1 bundle pack of kleenex facial tissue exp 4/24/10 dnd5

Kleenex .50/any 3 facial tissues or any 1 bundle pack of kleenex facial tissue exp 4/24/10 dnd5 & dnd9

Keebler $1/2 chips deluxe cookies (14.5 or larger, mix or match, any flavor) exp 3/6/10 dnd5

Scott .75/2 or more naturals moist wipes tubs or refills exp 4/10/10 dnd5

Scott .75/4 or more rolls of scott paper towels long lasting rolls or mega rolls exp 4/10/10 dnd5 & dnd9

Pedigree dry food for dogs $1/1 any size bag exp 3/7/10 dnd9

Pedigree dentastix $1/1 exp 3/29/10 dnd5 & dnd9

Kraft $1/1 package of Kraft deli deluxe cheese exp 3/31/10 dnd9 & dnd5

Kraft $1/2 packages of Kraft or Cracker Barrel natural cheese (shreds or chunks) exp 3/31/10 dnd5

Red Baron .75/1 any red baron pizza product exp 5/6/10 dnd5

Land o lakes eggs .50/1 exp 4/28/10 dnd9

Johnson & johnson $1/1 (shows red cross) products exp 5/31/10 dnd5

Curly's pulled BBQ $1/1 exp 4/30/10 dnd5

$1/1 Softsheen-Carson products (let's jam, roots of nature, darl & lovely, optimum care, optimum oil therapy, sportin waves) exp 3/31/10 dnd5

Tampax .50/1 exp 5/31/10 (Dollar General coupon - no numbers under the barcode)

Tampax .50/1 exp 5/31/10 (Family Dollar coupon - no bar code)

Always pads or liners .50/1 exp 5/31/10 (Family Dollar coupon - no bar code)

Always pads or liners .50/1 exp 5/31/10 (Dollar General coupon - no numbers under the barcode)

Silk half gallon (64oz) .55/1 exp 3/31/10 dnd5 & dnd9

Wednesday, February 03, 2010

Product Review: Publix Triple Berry Cereal



Let's face it.  Even those of us who rarely bought generic or store brand products because of the difference in quality are now being forced to tighten their belts and buy the cheaper products.  Wouldn't it be nice if someone who wasn't paid by the product gave you a review BEFORE you purchased and/or wasted money?  This week, I bought Publix Triple Berry cereal to try.  Here are my thoughts, scrambled and short though they may be:

  • Crunchier than Cheerios, but not in a bad way.  I actually liked them better than the name brand.
  • Lots of berries! Definite plus here!
  • Would I buy them again? Yes, I'll even go so far as to say that I would choose them over the name brand based on taste alone.

Make Your Own Dusting Cloths














Want your furniture to shine every time you dust but don't want the expense or time it takes to polish?  I recently discovered how to make your own oiled dusting cloths.  Here's what you need:

  • 1/4 cup of lemon oil
  • 2 cups of hot water
  • soft, reusable cloths (I used handiwipes so that they didn't get mixed in with other cloths)



Mix lemon water and hot water in a bucket and soak cloths (4 or so at a time) for 10 minutes.  Wring out and hang to dry.  When cloths are dry, store in an airtight container.  Doesn't that smell lovely?  Dust away! :)  When cloths are dirty, simply wash and reoil.  I was able to use a whole package (36) of handiwipes in the one recipe, so I'll be dusting for awhile before I have to reoil any cloths. :)

Sign Up for the Eat Better America Coupon Booklet and Receive $10 in Coupon Savings

Sign Up for the Eat Better America Coupon Booklet and Receive $10 in Coupon Savings

Free 1/2 Gallon of Chocolate Milk Just for Entering!

Follow the link above and enter to win free milk for a year AND....you will be able to print out a coupon for a free 1/2 gallon of chocolate milk just for entering!!!  What a great deal!

Thursday, January 28, 2010

Killing the Fizz

Well, it finally happened.  I'm giving up soda.  I was well on my way to phasing out drinking sodas altogether when Pepsi reintroduced their Pepsi Throwback and I found myself buying at least one 12 pack per week.  I was buying it because I loathe, hate, and vehemently protest high fructose corn syrup and support/ purchase products made with real sugar.  Now, I know that a Pepsi Throwback does not count as "real" food and that it is still full of empty calories that make me fat, fat, fat, but I've been addicted to the demon, calcium sucking carbonated beverages for years.  So, what was the proverbial straw that broke the camel's back?  The economy.  We can no longer afford to buy foods without nutritional value (not that our bodies could afford it in the first place).  Without sodas in the house, I will be drinking more water and iced tea, which gives me more control of my sugar intake.  I'm hoping that what's good for our pocket books will also be good for our belts. :)

Check out these facts from The Green Earth Institute:

1. Soft drink consumption rates among children have doubled in the last decade.
2. Soft drinks are currently the leading source of added sugars in the daily diet of young Americans. The
average teenager gets 15 to 20 teaspoons a day of added sugar from soft drinks alone.
3. Adolescents (aged 12-17) get 11 percent of their calories from soft drinks.
4. Carbonated sodas provide sugar, corn syrup, caffeine, and water and have been shown to cause
a decrease in vitamin A, calcium, and magnesium consumption in children. Juice and milk
provide important vitamins and minerals such as vitamins A, C, D, B-12, calcium, magnesium,
protein, and folate.
5. Frequently drinking or eating carbonated beverages, sweetened fruit drinks, fruit punches, and
high carbohydrate, starchy foods predisposes children and adolescents to tooth decay. 7
6. Scientists have suggested that caffeine – which is added to enhance the flavor of soft drinks -
induces nervousness, irritability, sleeplessness, and headaches, factors that can adversely
influence a child’s readiness to learn.

More Sodas Mean Less Calcium
1. The U.S. Department of Agriculture reports that American teens drink twice as much
carbonated soda as milk
2. Girls who drank more sodas got less calcium in their diets – a situation that could lead to
osteoporosis later in life.
3. A Harvard School of Public Health study of ninth and tenth grade girls found that those who
drank colas were three times more likely to develop bone fractures, and five times more likely
if they were regularly physically active.
4. The percentage of U.S. youth who met dietary recommendations for calcium intake has gone
from 88 percent in 1988 to 52 percent in 1994 for boys and 79 percent to 19 percent for girls.
5. School-aged children in the highest soft-drink consumption category consumed less milk and
fruit juice compared with those who do not consume soft drinks.

More Sodas Lead to Childhood Obesity
1. Research has shown that for every additional serving per day of soft drink consumed, the risk of becoming obese increases by 50 percent.
2. Obesity rates have doubled in children and tripled in adolescents over the last two decades. One in seven young people are obese and one in three are overweight. Obese children are twice aslikely as non-obese children to become obese adults.
3. The prevalence of obesity among children in the United States increased by 100% between 1980 and 1994. Consumption of sugar-sweetened drinks has been identified as a factor that
could contribute to obesity.
4. Between 1989 and 1996, children’s calorie intake increased by approximately 80 to 230 extra calories per day depending on the child’s age and activity level.18 The increases in calorie intake are driven by increased intakes of foods and beverages high in added sugars.
5. Obesity contributes to increases in diabetes, high blood pressure, and high cholesterol during childhood. Overweight and obesity can also result in negative social consequences, e.g., discrimination, depression, and lower self-esteem.
6. School-aged children who did not consume soft drinks took in an average of 1,830 calories per
day, while those who consumed an ave rage of 9 ounces or more of soda per day took in an
average of 2,018 calories a day – almost 200 more calories.
7. From 1979 to 1999, annual hospital costs for treating obesity-related diseases in children rose
threefold (from $35 million to $127 million).
8. A study by Boston researchers suggested that public health efforts aimed at limiting
consumption of soft drinks in children may help prevent and treat obesity.

Tuesday, January 12, 2010

The Economy is so bad that.....


1. I got a pre-declined credit card in the mail.

2. I ordered a burger at McDonald's and the kid behind the counter asked, "Can you afford fries with that?"

3. CEO's are now playing miniature golf.

4. If the bank returns your check marked "Insufficient Funds," you call them and ask if they meant you or them.

5. Hot Wheels and Matchbox stocks are trading higher than GM.

6. McDonald's is selling the 1/4 ouncer.

7. Parents in Beverly Hills fired their nannies and learned their children's names.

8. A truckload of Americans was caught sneaking into Mexico .

9. Dick Cheney took his stockbroker hunting.

10. Motel Six won't leave the light on anymore.

11. The Mafia is laying off judges.

12. Exxon-Mobil laid off 25 Congressmen.

13. Congress says they are looking into this Bernard Madoff scandal. Oh, Great!! The guy who made $50 Billion disappear is being investigated by the people who made $1.5 Trillion disappear!

And,finally...



14. I was so depressed last night thinking about the economy, wars, jobs, my savings, Social Security, retirement funds, etc., I called the Suicide Lifeline. I got a call center in Pakistan , and when I told them I was suicidal, they got all excited, and asked if I could drive a truck.

Monday, January 11, 2010

Budgeter Beware!


Yesterday, after reading a magazine article about using gift cards and reloadable visas as budgeting tool, I was excited to try this new technique and vow to never use the embarrassing envelope system again. My plan was to purchase of grocery store gift card (which can be reloaded) for our monthly budget allowance, and then purchase reloadable visas for such things as dining out, clothing, gas, etc. (one for each category). I went online this afternoon and purchased a gift card for Publix, and then started to look for the visas. Unfortunately, I was unprepared for the small print on reloadable visas and debit cards! Please read the fine print in terms and agreements and thoroughly research the possible fees! I've attached a helpful article on the matter. If anyone knows of any "good" options for these cards, please let me know. It was a wonderful idea, but too good to be true.

Sunday, July 12, 2009

Homemade Dishwasher Detergent

Below is an article from the Baltimore Sun by Christy Zuccarini


DIY Dishwasher/Scouring Powder
If commercial dish detergents that contain phosphates do indeed end up being banned, it may be worth making your own natural cleaning product, especially considering that current eco-friendly brands like EcoVer and Seventh Generation are so costly.

I pulled the following recipe for natural dishwasher/scouring powder from The New Homemaker. The ingredients are simple and pretty affordable – according to the author you’ll end up saving around 14 cents a load (when compared to a brand like Cascade). On the subject of whether or this detergent cleans as well as commercial brands, opinions are varied. Though the recipe recommends using citrus essential oils, some folks swear by tea tree and peppermint oils. Either way, this may require a little experimentation but it seems worth a try.

In a plastic container with a firmly fitting lid, mix:
1 cup borax (20-Mule-Team Borax, available in any supermarket)
1 cup baking soda
1/4 cup salt
1/4 cup citric acid (available in brewing stores among other places--if you haven't tracked it down yet but must try this formula, use two packets of Lemonade-Flavored Kool-Aid, ONLY lemon, or you'll dye your dishwasher! and ONLY unsweetened Kool-Aid!)
30 drops citrus essential oil--lemon, grapefruit, orange, tangerine, or a mixture

Put all of it in the container, shake it up.

Wednesday, June 17, 2009

Home Cleaners and Your Liver


When we are young, we generally are not very concerned about our livers. This is an odd statement to make, but my liver has been on my mind lately. As we age, our livers naturally shrivel and don't function as in our youth. And, as we age, we oftentimes find ourselves taking more prescription medications which can be quite taxing on our livers. Last week, I filled my sixth regular Rx and, for me, that was the wake up call for me. I began to ponder how many chemicals and toxins my body is exposed to daily. It's time for a change. Obviously, I can't just stop taking blood pressure medications without the possibility of severe consequences, but I can start making changes in my lifestyle that will one day enable me to stop taking most of my prescriptions. But, it's not just the chemicals I'm putting into my body; it's the ones that I inhale or my body absorbs. Cleaning and laundering supplies are obviously full of harmful chemicals, but so are make-up and nail polishes and lotions. What about our food supply? How much of it is tainted with pesticides or growth hormones or antibiotics? Even our water supply is tainted. Before we all panic and move to some primitive country, there are some small changes that we can start with that can help preserve our livers and maybe help out our pocketbooks.

This week I'm starting with cleaning supplies. There are many recipes on the Internet for making your own cleaners that are non-toxic, inexpensive, and effective. Here's the recipe I chose for my all purpose cleaner in a spray bottle:

one part vinegar
three parts water
10 - 15 drops of lavender


If you have a favorite, please share it with me.

Friday, April 03, 2009

Tightwad Gazette

What ever happened to Amy Dacycyn of the Tightwad Gazette??? Click on the link above to find out. :)

Monday, August 21, 2006

Money Monday

It has become imperative in this world that one live below their means rather than simply according to it. When my husband and I were first married, he made a good income and we planned our budget accordingly. For the first few years this worked well. After the birth of our daughter, our budget was a little tighter fit, but we were still comfortable. As the years progressed, something we did not expect began to happen. As the cost of living went up considerably, my husband's income only increased a little. Suddenly, our budget no longer worked, and we found ourselves digging a hole of debt. Had we been living beneath our means from the beginning, we could have adjusted our budget more comfortably. So, if you are newly married or thinking about buying a home, do not assume that your income will rise at the same rate as the cost of living or take out a mortgage that maxes out your budget. Learn to live simply. Have simple tastes. Learn to do without. You will be thankful in the long run. Posted by Picasa

Tuesday, August 08, 2006

Today marks the beginning of a new era for us. Today, we sign papers to sell our van. It just became too expensive to keep. Some days I think that if we lived close to a bus stop that we could get rid of all our cars....Hmmm,....no gas, no insurance, no oil changes, no wheel tax....Then we could fill our garage with more books! :) Posted by Picasa

Wednesday, August 02, 2006

Keeping Your Cool

As most of America is experiencing record heat and power drains here are some energy saving tips from TVA:

Top 10 No Cost Steps You Can Do This Summer
1. Turn up your cooling system’s thermostat to 75­­–78°F. Don’t pay to keep your furniture cool — raise it even more when no one is home.
2. Perform a do-it-yourself energy audit. You can request a print version or perform your audit on-line.
3. Lower your water heater temperature to 120°F and reduce hot water use by taking shorter showers and using cold water for laundry whenever possible.
4. Turn off lights, televisions and other appliances when not in use. Use the “sleep mode” on computers.
5. Remove and recycle your second refrigerator.
6. Keep curtains closed on the south, east and west sides of the house during the day to help keep cool.
7. Clean refrigerator coils and set the temperature to 36° to 39°F and the freezer to 0° to 5°F.
8. Use the microwave; it cooks faster and doesn’t create as much heat as a stove burner.
9. Air-dry dishes instead of using the dishwasher’s heat drying option.
10. Run your dishwasher and clothes washer only when full.
Read more about saving energy including more energy saving tips

Top 10 Low Cost Steps You Can Do This Summer
1. Caulk and weatherstrip around windows and doors to stop air leaks. Seal any gaps in floors and walls around pipes and electrical wiring.
2. Change filters monthly — dirty filters make your air conditioning unit work harder.
3. Replace incandescent bulbs with compact fluorescents; they use 75% less energy and last 10 times longer.
4. Install aerating, low-flow faucets and showerheads & repair leaky faucets.
5. Tune up your heating and cooling system. Seasonal tune-ups will keep your system running as efficiently as possible. Have your ducts inspected. Repair air leaks and seal and insulate cooling system ductwork.
6. Insulate! Add insulation to your attic, crawl space and any accessible exterior walls. Add pipe insulation to first 5 feet of water pipe coming from your water heater. Install light switch and electrical outlet seals on exterior walls. Wrap your water heater with insulation or install an insulating blanket.
7. Look for the ENERGY STAR® label when replacing large or small appliances.
8. Use power strips for home electronics, and turn off power strips when equipment is not in use. TVs and DVD players, etc. still use power when the switch is off.
9. Replace worn-out seals on your refrigerator and freezer.
10. Plant a tree! Shade trees placed on the south or southwest side of your home will keep it cooler.