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Showing posts with label Saving Money. Show all posts
Showing posts with label Saving Money. Show all posts

Thursday, September 29, 2011

10 Tips for Saving Money at the Grocery Store


After writing my Tips for Saving Money post, I thought it would be good to do a post specifically for saving money at the grocery store. I don't know about you, but besides rent, food is probably the biggest chunk of our budget. It's also where, in my opinion, you'll be able to save the most.

I should probably preface this by saying that we don't eat organic (I'd love to, but for right now those things really are out of our price range, even on sale), we don't have any food allergies that we have to work around or anything else that would limit what we can eat. If your family does have things you need to work around, then just implement the things you can!

Also, these are tips you can use without coupons. I'll talk about coupons in a later post.

1. Don't be afraid to try the generic/store brand products. It's true, some of them aren't as tasty. But really I can't tell a difference in most things. There are a few things I don't do generic - peanut butter (has to be Skippy) and my Aveeno lotion are probably the biggest things. You'll save so much money if you aren't particular about the brand. Don't worry that you'll wind up paying more in the end because you won't like it. Some stores have a 100% guarantee on their store brand products. I know that Wal-Mart and Smith's (a Kroger affiliate, so I think all Kroger brands would have it too) both have this policy in place. I don't know for sure, but I would think that Target would offer the same kind of guarantee also. I've used their guarantee  on different occasions at both Wal-Mart and Smith's. Wal-Mart will simply give you a refund but Kroger will actually give you the same product from the National Brand. If a store offers this kind of guarantee, most of the items should say it specifically on the label. If you still can't find it, ask someone at the customer service desk if they offer anything like that.

2. Know the Sales Cycles of your local stores. It doesn't matter if you're using coupons or not - things will go on sale and that's when you should stock up on those things that you know you'll use. Watch the ads for about 6-12 weeks and you'll see that the same sales start to repeat themselves. When an item is at it's lowest price, that's when you need to purchase enough to get you through 6-12 weeks (or however long, based on your sales cycles, until that item will go on sale again). Knowing that Quaker products are always on sale in January and that baking supplies start going on sale in October will save you lots of money! Here are a couple articles that explain the sales cycles a little better than I can.

Grocery Sale Cycles from Living Richly on a Budget
Real Extreme Couponing: Learning Sales Cycles (with a video!) from Southern Savers

3. Compare the price per ounce/unit, not just the price. This is a big one! Some stores make it easier on you and actually put the price per ounce on the shelf tag. but for stores that don't, simply pull out your calculator (or phone, in my case) and do the math. Taking a couple extra seconds to input some numbers is really worth it, to me anyway. The do an ounce/unit comparison, you just need to know the price and the number of ounces or units. Simple! Just divide the price by the ounce/units. For instance, a jumbo pack of diapers includes 23 diapers and costs $8.99. So $8.99/23 = $0.39/diaper. Once you have the per ounce/unit price, you can determine which is the better buy.

4. Take Advantage of reward programs offered by your stores. Nowadays, almost every store has some kind of rewards system. Smith's has their fuel rewards (earning points towards money off of gas purchases), Walgreen has Register Rewards, CVS has Extra Care Bucks, and so forth. Often times, signing up for that silly little card will mean big savings for you in the end. Occasionally, I'll end up waiting until the end of my purchase to have them scan my rewards card. Before they scan my card, my purchase will be around $80. After it scans and lowers the prices, it's down to around $40-$50. And that's even before coupons. Those silly little cards really do help lower your price. Often times, you don't get the sale price without the card. Be careful at places like Walgreens where they print the reward for you to use at a later time. Those little papers are easy to lose and will usually expire within 2 weeks time. Be sure to go back and use them!

5. Don't be mislead by the 10 for $10 sales. There are sales which require you to buy a certain amount of items (often times they're advertised as "Buy 10, get $5.00 off" or something like that). The 10 for $10 sales typically do not require you to actually buy 10 to get them each for $1. That's their way of trying to make you buy more. And, in my experience, the $1 price tag usually isn't that great of a price anyway! $1 for a can of spaghetti sauce? No thanks. I bought it during the case lot sales for $0.88/each! If you question whether or not you actually have to buy 10, speak with customer service at your store.

6. Know the price points at which to buy! I know this kind of ties in with the sales cycles, but it's important to know what are good prices for your area. In my area, I don't buy ground beef unless it's $2.49 or less per pound (it used to be $1.99 or less but the price has been steadily going up and not coming back down). It will probably take about 6-12 weeks (as you see the repeat of the sales cycles) to know what your optimum price points are, but you'll gradually be able to figure it out. If it helps, create a spreadsheet of items that your family uses the most. Take a look at your past receipts and start inputting that data on the spreadsheet. It will help you visually see what the lowest price point is.

7. Always, always, always shop from your list. What's that? You don't have a list? Well you need to start making one. This goes along with the meal planning that I wrote about previously. Plan your meals and make a shopping list based on those meals. Keep your list with you at the store - don't just stuff it in your purse and forget about it. Make sure you have everything before you leave the store. Having to make an extra trip to the store later in the week to pick up some forgotten enchilada sauce could mean picking up extra items and spending more money. Be honest. How often do you really go into the store and only get the one thing you need? Also, stick to your list. Sure, those ding dongs look tempting, but you're trying to stick to a budget!

8. Don't go shopping when you're hungry! You'll be more tempted by those ding dongs if your stomach is grumbling - which means you'll be more likely to throw some unnecessary items in your cart. Try to go after a meal, or at least after a good, healthy snack.

9. When it comes to fresh produce, know which items are in season. Apples and squashes are usually on sale in the fall and grapes are usually on sale during the late summer months. Find out which fruits and veggies are "in season" with this handy list from MoreMatters.org. Of course, what's in season for you will vary based on where you live.

10. Shop ALONE! I know this one can be hard to do. I actually do all my shopping with my mom and Andyroo in tow. I do the couponing and deal finding for both of us and she's so thrilled that she's saving so much that she's willing to help keep an eye on Andyroo. It works for us. You might consider trading babysitting with another mom so you can each go shopping in peace. I also prefer shopping without my husband. He's always finding things that he wants and I always feel bad saying no. He pretty much knows that I don't buy anything unless it's on sale or I have a coupon, but he still asks. I'm not heartless and I'll usually compromise for something like chips or a snack food. But there have been times when he's added as much as $10 worth of stuff to the cart. It doesn't sound like much, but if he tagged along every week, I could be looking at an additional $520/year! Yikes!

Do you have any tips for saving money at the grocery store? I'd love to hear what works for you!!


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Friday, August 26, 2011

Homemade Cleaning Products


One of the small changes I've made over the last year, and even since Andyroo was born, is trying to use fewer chemicals in our house. I'm no expert and I'm not doing this to be considered more green. I just think that all of those harsh chemicals that we inhale and touch cannot be good us or our little ones. Besides being able to breathe easier, it's also cheaper to use homemade products. Even using coupons, I still save even more money by making my own cleaning products - it's seriously SO cheap!

Some of my favorite cleaning ingredients include vinegar and baking soda (not usually mixed together, though).

Why Vinegar?

I know most people tend to think of vinegar as pretty gross smelling, but it has many purposes and uses. It has anti-bacterial properties, deodorizes (the vinegar smell really doesn't stick around, honest), and leaves a great shine (especially on stainless steel) - just to name a few. It can be used in place of fabric softener sheets/liquid. Just add about 1/2 c to your laundry. As an added bonus, it will help brighten your whites and help rid your washer of any built up residue. Have a stinky washing machine? Run an empty load with some extra vinegar to clean it out and get rid of the smell.




Why Baking Soda?
Baking soda isn't just for baking! It's also a great deodorizer. Think of the commercials advertising the baking soda boxes for your fridge - they help absorb the smell! When you mix it with a little water, it creates a great paste which will remove all sorts of grime, scum, hard water, etc. No need to use harsh scouring clearners.

My favorite all-purpose cleaner is made with very simple, household ingredients. I use this to clean everything - the kitchen counters, stovetop, our tile floors, the bathroom counters and mirrors, and even the walls and anything else that I need to clean. It's non-abrasive, so it isn't going to scratch any delicate surfaces and I don't hesitate to spray it on.

All-Purpose Cleaner
1/2 c white vinegar
1 tsp Dawn dish soap
water

Add vinegar and Dawn to an empty spray bottle (about 20-26oz) and then fill with water. Gently shake to mix ingredients. You'll probably see some suds at first, but you won't be spraying suds on everything.

If you're looking for a replacement for your basic anti-bacterial spray and don't want to use vinegar, you can also use the following mixture:

Bleach Spray
1/2 c Bleach
Water

Pour bleach into a spray bottle (about 20-26oz) and then fill the bottle with water.

Here are a few other mixtures that I use...

Window/Glass Cleaner
1 c Rubbing Alcohol (the isopropyl stuff)
1 tbsp white vinegar
water

Mix in a spray bottle and you'll have a streak free shine better than Windex

Furtniture Polish
1 c Olive Oil
1/2 c Lemon Juice (the real stuff, not the extract)

Mix well and apply to a cloth, then rub onto your furniture. Use a dry area of your rag to shine.

There are a lot of recipes for homemade cleaning products out there. What are your favorites? Has anyone tried making their own laundry detergent? It's something I'd like to try but I've been a little hesitant. I'd love to hear about the homemade products you use!!

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Thursday, August 25, 2011

Tips for Saving Money


Let's face it. We all need to save money. Whether we're saving for a particular item or just need to scale back, it's really never a bad idea to make the most of our money. I've got some tips and tricks that I use to help our little family survive on one lonely little income. I'll be talking more about saving at the grocery store (without coupons) and saving with coupons later this week, so be sure to come back and check it out. Also, please feel free to offer any tips and tricks that you use! I'd love to hear them and I'm sure all of our other readers would too!
  1. Track your spending for at least 30 days. This is probably the best tip of all. Get a notebook and write down all your income and expenditures. You'll be very surprised at where your "money leaks" (as I've heard them called) are. The trick to this though is to not modify your spending habits and to habitually write down EVERYTHING. If you modify your habits (meaning if you change how you spend because you're tracking it), it won't be as impactful at the end of the month when you're looking at how much you spend on coffee or diet cokes. The same goes if you're not writing everything down. You can't say, "Oh, it was only $1. It doesn't matter." Really, those dollars and cents add up quickly and they do matter. Once you see how you regularly spend your money, you can create a budget and be more conscious about your day-to-day spending. You'll save money by knowing how you spend your money.
  2. Plan and eat your meals at home. This is one of the first things to go when our budget starts to get a little tighter. For me, I CAN cook at home. I know how, I don't mind doing it, I'm just usually too lazy to do it! Especially in the summer. I hate heating the house up and slaving away in the kitchen when it's so hot outside. What can you do to make eating at home more appealing?
      1. Plan your meals. You don't have to schedule something specifically for each day (though you can if you want) but at least come up with about 7 meals (depending on how your family utilizes leftovers, you may just need 5 or 6). Write them down so you and the rest of your family can see them. In the morning, pick a meal, pull out anything that needs to defrost, and then you're not dreading the dinner rush.
      2. Plan meals that your family will eat. It might be exciting to try new meals, and it's good to do that occasionally, but make most of your weekly/monthly menus with your family favorites.
      3. Ask your kiddos/hubby what their favorites are and incorporate them too. Along with that, let them help in the kitchen. They'll be more inclined to eat if they get to help you make it!
      4. Don't deprive yourself at home. If you're not eating out, you can still splurge on some goodies to have at home. Instead of going out for ice cream, pick up some at the store. No matter what you get, it will be cheaper than going to Coldstone!
  3. Reexamine your phone bill.  Whether you have cell phones or a land line, you can still do this. If you have both, are they both necessary? If you just have cell phones, but you have the bells and whistles (text messaging, smart phones, internet, etc), can you cut back at all? Look at past bills and examine your actual usage. Can you move to a lower plan or eliminate some of the frills? It might be a hard adjustment for a while, but there was life before all of this newfangled technology. Also, remember to look around when your contract is up with your current provider. Do your research to see what other providers are offering. Just because you looked around 2 years ago doesn't mean things haven't changed in the market since then, If you just have a land line, is there anything you can cut? Or, can you combine services (TV, phone, internet) to save money? Don't be afraid to call your provider to ask about bundles, discounts, or about cutting services.
  4. Reexamine your cable/satellite bill. This works about the same as your phone bill. Is there a lower package that you can purchase instead? Call and ask for any discounts or take a look at the other providers and see if they have a better option. If you find that you're not watching it or that you always think, "There's nothing to watch on TV," then think about doing away with it altogether. Hubs and I have never had cable or satellite and we don't regret it one bit. What have we done instead? For a while we took advantage of Hollywood Video's $15 a month plan, but when they did away with that, we switched to Netflix. There are so many affordable options available for streaming TV and movies to your TV - Hulu, Netflix, and Blockbuster are the main players. Sure we're usually behind in watching the "it" shows, but we can still rent them. I prefer to watch them on DVD or streaming - no (or very few) commercials and no breaks between episodes. If we want to stay up all night and watch 6 episodes of Lost, we can totally do that!
  5. Consider your entertainment. What are the things you do for entertainment? Everyone needs to have some fun and get out, go on dates, etc. But Can you cut back a bit? If you enjoy going to the theater to see a movie, you might consider renting more often. Redbox, Blockbuster Express, and Netflix are all great, affordable options. If you absolutely must see a movie in theater, try to make it to a matinee (usually before 6pm) or don't spring for the 3-D showings. You'll save money on tickets both ways. You also might try cutting back on the snacks at the theater - have you see the prices of popcorn and soda? Insane! Also, check out your local library! We're a small town and have a fairly small library, but they have a pretty decent selection of movies (both adult and kids and not just educational stuff) - for FREE!  The library is also a good source for books. Check the library first instead of going out and buying new books! Look into any free activities that your city or nearby cities offer. Plan those as dates or family outings. Take advantage of discounts that you find!
  6. Make sure to pay your bills on time. I know that sometimes it's tempting to just take the late fee (I'm guilty of this one) and wait for the next payday, but you're costing yourself money in the long run. Even if the late fee is just $5 (most are more, nowadays), that will still add up quickly. If you have a hard time remembering which bills are due when, consider using automatic bill pay through your bank.
  7. Do some homework before making any big purchases. Everyone thinks about doing this for something like a car, which is very important also, but do this when you're purchasing any appliances, electronics, or furniture. Does one store provide a warranty but another store has a better price? See if the store that offers the warranty will match the price of the other store. Even if you're willing to pay more for quality, do some research and know what it is you're buying. If you're looking at purchasing a laptop, get to know the terminology, the processors, speeds, and all those other things that you're only thinking about when the sales person starts asking you questions.
  8. Keep up on the regular maintenance of your car. This will help eliminate the need for some unnecessary and expensive repairs down the road. Change your oil according to your owners manual (in some models it's no longer necessary to go with the 3000/3 month rule). Look into the maintenance packages that are offered for certain mileage (50K, 75K, etc). I don't know much about cars, but I do know that these checkups will help keep your car running for longer!
  9. Consider starting a babysitting co-op with your other mommy friends. Instead of paying upwards of $5 an hour for a teenager to come and sit with your kids, see if there are some other moms that would want to swap babysitting. You watch their kids on Friday night while they go out and then they watch your kiddos on Saturday while you enjoy a night with your hubby. You could rotate during the week, every other week, or however often you need to get out of the house. This also doesn't just go for date night. Need to do some grocery shopping without the kiddos? Swap babysitting and let another mommy get out of the house too!
  10. Pay Cash/Start Saving for it now. You know that eventually you're going to want/need another or newer car. Start saving now. Want to upgrade your TV or gaming system? Save for it first. Planning a big vacation for next summer? Start planning, saving, and watching for deals now. If you can pay cash, do it. Especially when it comes to big ticket items that you might be tempted to pay for with credit. You'll save so much in interest by paying in cash.
  11. Buy Clothing (especially kid stuff) on Clearance. This is one of my favorites. Seriously. If you're really into the really hip and fashionable clothing (the fact that I call it "hip and fashionable" shows that I'm not, lol) then this might not be the tip for you. But right now, I don't really care too much about what brand my son is wearing - as long as he has clothing! Buying Andyroo's clothes when they're on clearance is something I've been doing since he was born - and I've saved soooo much money. This means that you'll have to estimate how big your kiddo will be in a year and watch for the clothing clearance sales. Right now everyone is trying to make room for fall clothing, so they all have all of their summer stuff on clearance. In fact, last week I went over to K-Mart when they had all their clearance an extra 40% off (Old Navy also runs that kind of sale too) and scored everything for Andyroo for next summer for $40. FORTY BUCKS! That's about 9 or 10 outfits, some extra shorts, and a swimming outfit. Pretty much everything Andyroo owns was purchased on clearance. I've found that for where we live (Utah), the best clearance sales are during the spring and fall. So during the late summer and early fall, you'll want to watch for summer/spring stuff to be on clearance, in late winter and early spring, you'll see all the fall/winter stuff on clearance. Like I said, in Utah, even though we have 4 seasons, it's not really necessary to shop for all 4. In spring and summer, Andyroo basically wears the same things. His fall and winter clothes are about the same too. Depending on where you live and what your needs are, you might be shopping on a different schedule.  
Hopefully you've found something in here that will help you save some money. Do you have any other tips to offer? I'm sure we'd all love to hear them!

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Sunday, July 3, 2011

Family Fun Fund

Hubs has been coming home with a lot more change and I needed a place to put it. The coin section in my wallet was already overflowing, so I can up with this:


I had borrowed some flour from my mom, which she gave to me in a #10 can - the big size metal can. I couldn't bear to throw it away, so I kept it in hopes of finding something to do with it.

I wrapped the can with some scrapbook paper, embellished with some brown satin ribbon, and cut out the words with brown vinyl. I used my Silhouette, but you could just use stickers, print something out, or paint on some words. Whatever floats your boat.

This was actually the first project I did with my Silhouette. It was pretty intimidating and took a couple tries to get it right. Don't ask.

Anyway, cut a hole in the top big enough to fit some change, put the lid on, and you're set. I love that we have a place to collect our spare change. And even better, I LOVE the fact that we're saving our change. In the three months I've had this out, we've saved about $40. Forty dollars in change. Even Andyroo gets in on the action and likes to put his pennies in the can (ones that he find or gets from grandma).

I'm not sure what our plans for the money are, but we'll eventually find something fun to do with the money.

What does your family do with all your spare change?


We're linking up with these super awesome parties:


Whatever Goes Wednesday, Idea Sharing Wednseday, What I Made Wednesday, Creative-ly U, Feature Yourself Friday, Just Something I Whipped Up, Frugal Friday, DIY Under $5, Lovely Little Linkup, Craftastic Monday, Woot Woot Wednesday, Strut Your Stuff, Our House of Joyful Noise, Get You Craft On, Wow Me Wednesday 
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