Archive for the ‘bargains & deals’ category

Some Budget Ideas for upcoming Christmas

October 13th, 2009

63 Christmas Present Ideas for under $10

1. Gourmet coffees with a personal coffee cup

2. Pound of pistachios
3. Child’s artwork, framed
4. Journal with special inscription inside
5. Teacup with box of herbal tea
6. Deck of cards and book of card game rules
7. Homemade cocoa mix in a pretty jar
8. Collage of special photos
9. Gel pens and pretty stationary
10. Bottle of sparkling cider
11. Home baked bread, include recipe
12. Disposable camera or rolls of film
13. Basket filled with deli cheese and fruit
14. Craft supplies
15. Holiday serving bowl or platter
16. Pretty basket filled with special jams or mustards
17. Decorative napkins and napkin rings
18. Fancy chocolate bars tied with a ribbon
19. Gardening gloves with a plant or flower seeds
20. Photo album, hand decorated is even better
21. Makeup tote
22. Prepaid photo developing envelopes
23. Homemade cookie mix with instructions for baking
24. Variety of bread mixes
25. Special coffee cup filled with candy
26. Fancy magazines tied together with a pretty ribbon
27. Gourmet popcorn and flavored oil
28. Locally made barbeque or steak sauce with basting brush
29. Pancake or waffle mix and a bottle of real maple syrup
30. Movie theater gift certificates
31. Board games
32. Jar of sourwood or pure honey with biscuit mix
33. Note cards and book of stamps
34. Picture frames, buy them on sale!
35. Specialty cookbook
36. Pretty glass jar filled with candy
37. Collectible sports cards
38. Muffin mixes with muffin pan
39. Books, there are still a few for under $10
40. Set of dish towels and dish cloths
41. Nail polish kit
42. Pretty night shirt
43. Basket filled with kitchen gadgets
44. Video rental gift certificates
45. Pepper mill and fresh peppercorns
46. Handwritten copies of your favorite recipes
47. For the pets, gourmet dog biscuits or cat treats
48. Baking pans and supplies
49. Prepaid long distance phone cards
50. Small clock or radio
51. Pretty box for keepsakes
52. Colorful Post-It notepads
53. Address book
54. Christmas ornaments
55. Puzzles
56. Blank video or cassette tapes
57. Sewing supplies
58. Flashlight with batteries
59. Favorite quote embroidered on a nice handkerchief
60. Makeup brush set
61. Expensive socks, still under $10
62. Special soaps and bath puff
63. and don’t forget home baked cookies!

I hope you will be inspired by this list, after all, it’s not the amount of money you spend for a gift that matters the most, but that you cared enough to give something special.

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How to Get Free Grocery Coupons-Budget Ideas

October 8th, 2009

Commodity prices have increased over the last year and several major manufacturers of grocery products both food and beverage are increasing their wholesale prices to grocery retailers. That means the prices at your local grocer will be rising as well. Since your income is not going up and maybe has been reduced due to voluntary salary reductions or involuntary layoffs how do you keep your food costs within your budgeted limits? Here are several ways how to get free grocery coupons. You can turn to private label store brands or you can start clipping coupons. Many grocers offer to double manufacturers’ coupons to fifty cents.

Giant Eagle is an exception and offers double manufacturers’ coupons to ninety nine cents. If you can combine your local grocery shopping to items on sale and with coupons you can keep your grocery expenditures to a minimum. By signing up for their rewards card and using manufacturers’ coupons not only will you save on your grocery bill but you will get twenty ($0.20) cents of a gallon of gas for every $50 you spend at Giant Eagle stores.

There are a number of sites that you can sign up for that will notify you when new grocery coupons like couponmom.com, coolsavings.com and others. One – coupons.smartsource.com is the online version of the coupon tab that comes with the Sunday paper. Instead of having to flip through all the pages and clip which coupons you want to keep, you can view them online and print only the coupons you want to use.

There are four other printable coupon sites that will allow you to print directly from your computer instead of having to use the regular paper versions. Coupons.com says you can print one hundred ($100) dollars of coupons from Huggies, Kelloggs, Kraft, Pillsbury, Betty Crocker and more. Upromise offers e-coupons for sixty ($60) dollars from Huggies, Post, Palmolive, Little Debbie and many more. Smart Source offers seventy ($70) dollars from Dole, Aquafresh, Scott, Betty Crocker, Huggies and more. Finally, Red Plum offers thirty ($30) dollars in coupons from Vaseline, Hefty, Advil and many more.

All of these sites say that there is no registration necessary. When you click on the particular banner ad to get to the coupons you will be taken to a page with coupons you select to print. On the first page at coupons.com you have to enter your zip code to get the coupons allowed in your region. All coupons are bar coded and can be set to only be able to be redeemed in certain areas of the country.

Once you have entered your zip code all of the available coupons are displayed eight to a page. On the first page there is a $1 off coupon for one bottle of Welch’s fruit juice and $1 off the new Oscar Meyer Lunchables with water. To print the coupons of your choice you will need to click on the box at the lower left of each lucky coupon that says “Clip Coupon”. Currently there are one hundred forty seven (147) coupons listed. If you live in an area where your local grocery store doubles coupons like Giant Eagle I would suggest looking at any coupons less than $1. I noticed a fifty five ($0.55) cents off of Cinnamon Toast Crunch cereal. That would be $1.10 off at Giant Eagle.

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Supermarket Money Saving Tips – Budget Ideas

September 28th, 2009

To help save you money Supermarket Voucher Codes have produced this essential top 5 list of the latest tips and tricks that will help cut your shopping bill.

By following these simple steps you could save hundreds of pounds every year.

1. Look out for the latest deals and discounts

Loyalty cards which can be a great way to get savings on the items you buy most frequently. Build up your vouchers for special occasions like birthdays and Christmas to help ease the financial pressure.

They will also regularly send out their best discount voucher codes for big savings and free delivery, as well as promotional offers and deals on your favourite items.

By collecting points from different supermarkets you will be able to collect vouchers for a number of partner companies and get discounts on holidays, electrical goods and more.

2. Try the downshift challenge

One of the most talked about money saving tips is the downshift challenge. If you drop one brand level on everything you buy you will see a huge difference once you get to the check out and it’s very unlikely you’ll notice any difference in the quality of your food.

Supermarket own brands are often produced in exactly the same way as leading brands, so once you get passed the label there should be no stopping you!

Sites like mySupermarket.co.uk allow you to easily compare products against each other, not just on price but also how healthy they are.

Throw in the discounts, coupons and promo deals mentioned in tip 1 and you’ll save even more!

3. Eat before you go shopping

It may sound obvious but you’ll be amazed at the difference if you try shopping when you’re not hungry. Those impulse buys for food you want now will be a thing of the past, and you’ll save big!

4. Write a list and stick to it

One of the simplest ways to save on your shopping trip is to go armed with a list and to make sure you stick to it. With a wealth of useful applications for your computer or phone there’s no excuse for not writing your shopping list before you head to the supermarket.

5. Use voucher codes

Get big discounts off a huge variety of items by regularly checking out voucher sites. The discounts on offer can help bring the overall amount of your shop down by a large percentage, or help you to buy regularly bought items in bulk.

You’ll also find vouchers, codes, deals and discounts for things like free home delivery, entertainment items (DVDs, CDs and books), clothing, white goods, electrical items, plus you’ll be able to increase your points with schemes like Tesco Clubcard.

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Budget Ideas-Grocery Coupons

September 24th, 2009

Grocery coupons are a great way to save money on groceries. However, it is the combination of grocery coupons and sales that will make the biggest difference at the checkout. By combining grocery coupons and store sales you can increase your saving up to 100-percent. Yes, you read that right. When combining the manufacturer coupon with the already discounted sales items, it is completely possible to get free groceries.

Collecting the grocery coupons is the first step to saving. You will also want to keep the coupons you may not think you will use. Start collecting your grocery coupons and keep them in two separate areas. The first should be the coupons you know you will use. The second is for the grocery coupon that may not get used. If you try keeping the coupons together the process can get overwhelming and seem to be more difficult than it really is.

Your next step is to collect the local sales flyers from your area to match up with your grocery coupons. Generally the easiest way to do this is to go through each ad and write down the product that is on sale and the price it is on sale for. You may also want to put a star or check mark next to the item so you know you have a coupon for it.

In order to make the most of your grocery coupons, you need to understand the coupon policies of each store. Do they have a limit on the number of like coupons you can use per transaction? Do they double or triple coupons? Can you combine their store coupon with a manufacturer coupon? One store may have an item cheaper, but if a different store will double or triple your coupon that could be a better savings.

Another step in utilizing your grocery coupon is to think outside the box. Not all your groceries have to be purchased at the grocery store. In fact, many items may be cheaper at a discount store such as Wal-Mart or Target. You may be able to find better deals at Walgreens or CVS, both of which carry a small selection if groceries. They often have great deals on cleaners or toiletries as well.

To save the most money with your grocery coupons, it does take a little more than the one stop shopping trip. However, a well planned shopping trip can ease your budget and keep your bank account happy.

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Home Budgeting Grocery Store Tips

August 17th, 2009

Tips for saving money on groceries often focus on what to do. This article focuses on what not to do if you want to save money on groceries! So before you put on your ugg boots (my favorite footwear btw!) and head to the grocery store, consider these tips.

1. Never go to the grocery store hungry.

Going to the grocery store hungry can get you into all kinds of trouble. If you go to the grocery store hungry, you’ll likely buy more junk food and other unhealthy and expensive items that you really don’t need. This can make a huge difference not only in your waistline, but in your bank account as well.

2. Never shop without planning first.

When you shop without planning, you end up buying a bunch of stuff, and yet when you get home, you likely don’t have what you really need to make meals for the week. This results in either going to the grocery store multiple times to pick up missed items for recipes or going out to eat. Both things can run into a lot of money and also waste a lot of time.

3. Never buy things that are not on your list unless you realize you really need them.

Your shopping list should be your guide and you should stick to it religiously if you want to stay on a budget. The only exceptions are if you see something you truly need but failed to put on your list. For instance, you might notice eggs and be reminded that you are down to only one or two eggs. In that case, purchasing something not on your list is acceptable, but in all other cases, it is not.

4. Never allow your emotions to dictate what you’ll buy.

Don’t buy food because you’re feeling sad, angry or hurt. Also don’t buy food with the goal of impressing others or causing others discomfort in any way. Check your motives, and if you are buying items with a wrong attitude, then put them back on the shelf.

Your body, wallet, and spirit will be healthier if you shop in an emotionally healthy manner.

5. Never purchase impulse items at the check stand. (Note, preplanning to buy something often found at the checkout stand is fine!)

The biggest problem with the checkout stand is that you are often there for five minutes or longer. During that time, there are several things to tempt you –  magazines, candy, little cookbooks, even handy little non-grocery items like lighters! Do NOT, I repeat, do NOT buy those items unless they were on your list and you specifically planned to buy them prior to going to the store.

6.  Never assume that items on the end cap are a good price.

Grocery store end caps often have legitimate sale items, but not always. Sometimes there are things on the end caps that are either not on sale, or not on sale by much. Other times there are sale items paired up with non-sale items. For instance, there may be pasta sauce on sale, and pasta at a regular price, side by side on the end cap. Therefore, check the price of items on the end cap and compare them with the regular price before deciding whether or not to purchase the items

BONUS TIP: Obtain a free report comparing The Grocery Game and Coupon Mom to help you figure out how to best save money on groceries when you visit Thousand Dollar Mom. This report will help you make an informed decision about whether the Grocery Game or Coupon Mom is best for you.

I wish you the best on your quest to save money on groceries!

Brought to you by Rebecca Livermore, the Thousand Dollar Mom, http://www.ThousandDollarMom.com.

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Make Your Own Laundry Detergent-Home Budget Ideas

August 14th, 2009

I have been wanting to make my own laundry detergent for some time now,but didn’t know where to start.  I found this great recipe.  I will have to try it and when I do I will post about how it went.  If you have a recipe, would you share it with us and your experience with making it ?  And how using it stacks up to name brand kinds.

Here’s what you need:
- 1 bar of soap (whatever kind you like;
- 1 box of washing soda (look for it in the laundry detergent aisle at your local department store – it comes in an Arm & Hammer box and will contain enough for six batches of this stuff)
- 1 box of borax (this is not necessary, but I’ve found it really kicks the cleaning up a notch – one box of borax will contain more than enough for tons of batches of this homemade detergent – if you decide to use this, be careful)
- A five gallon bucket with a lid
- Three gallons of tap water
- A big spoon to stir the mixture with
- A measuring cup
- A knife

Step One: Put about four cups of water into a pan on your stove and turn the heat up on high until it’s almost boiling. While you’re waiting, whip out a knife and start shaving strips off of the bar of soap into the water, whittling it down. Keep the heat below a boil and keep shaving the soap. Eventually, you’ll shave up the whole bar, then stir the hot water until the soap is dissolved and you have some highly soapy water.

Step Two: Put three gallons of hot water (11 liters or so) into the five gallon bucket – the easiest way is to fill up three gallon milk jugs worth of it. Then mix in the hot soapy water from step one, stir it for a while, then add a cup of the washing soda. Keep stirring it for another minute or two, then add a half cup of borax if you are using borax. Stir for another couple of minutes, then let the stuff sit overnight to cool.

And you’re done. When you wake up in the morning, you’ll have a bucket of gelatinous slime that’s a paler shade of the soap that you used. One measuring cup full of this slime will be roughly what you need to do a load of laundry – and the ingredients are basically the same as laundry detergent. Thus, out of three gallons, you’ll get about 48 loads of laundry. If you do this six times, you’ll have used six bars of soap ($0.99 each), one box of washing soda ($2.49 at our store), and about half a box of borax ($2.49 at our store, so $1.25) and make 288 loads of laundry. This comes up to a cost of right around three cents a gallon, or a savings of $70.

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Budget Ideas for the Upcoming Holidays

August 9th, 2009

Ahh yes, the eternal conundrum. We all want to travel, but travel costs money, now doesn’t it? Whether travel must necessarily be a huge drain on the ol’ bank account is a theme for another article, but I’m certainly ready with a few ideas for how to save up a few extra quid (or bucks, if you will).

1) Those things at the bottom of your legs? They’re called feet.

Rediscover them. Ditching the car can save you an absolute fortune. Clearly, most people are not in a position to go without wheels totally, but it’s worth asking yourself whether you really need it for that nip to the corner ship or taking your kids to school. Walking’s in my blood. I used to walk home 5km home from school each day and then in Vienna 7km to work and back. I loved it. It’s certainly a lot less frustrating than sitting in a traffic jam or cursing when the traffic lights turn red. If you’re in the position to try a less auto-filled life, give it a go.

2) Brown bag it.

Do you remember your school lunchbox fondly? I do! So revive it. Pack yourself a little picnic for lunch each day and you could save several pounds each meal. If you’re more of a hot meals for lunch kind of person, this requires more organisation, but it’s relatively easy to whip up a huge batch of chilli and take it to work a few days in a row or freeze it for later use. Sandwiches made at home tend not only to be healthier if you skimp on the mayo, but much cheaper than the store-bought variety. Additionally, with all these new cooking skills, you can impress your date or partner without forking out for restaurant food!

3) Make staying home the new black.

For all you social butterflies meeting your friends at fancy bars and restaurants several times a week: reconsider. It’s great fun, but incredibly expensive. Why not throw a dinner party and get your friends to reciprocate? Have a cheese and wine evening or stay in with some friends, pop some popcorn and watch a movie. Obviously don’t become a recluse – but start thinking about cheaper alternatives to activites you enjoy.

4) Save automatically

If possible, arrange with your employer that a cut of your paycheck is deposited automatically into your savings account. If this isn’t possible, try to be disciplined and do the same yourself with online banking. Even if you don’t manage it every month, it’s better than nothing. At home, try keeping a piggy bank around. At the end of each week, empty all your spare change into it. Nice and easy – you won’t even miss it!

5) Get a second job

Think you can spare an evening or two a week – maybe a day at weekends? Then this option may be for you. Jobs for students in particular are easy to come by: bar work, restaurant work, call centres, fast food gigs, even tutoring, so there’s no excuse. If you’re already in fulltime work, things are more tricky, but depending on the time you’re willing to invest, it is possible. Many restaurants and bars will take on staff for just a few shifts a week, particularly for awkward shifts other employees like to avoid. If your hours are more flexible, try joining an agency to pick up odd shifts here and there.

6) Do odd jobs

Babysitting, dog walking, lawn mowing? The world is your oyster. Ask around your circle of friends, post flyers in your neighbourhood, talk to your local parish, whatever you like. If you have additional talents, why not offer those out as well? Trained as an electrician? Quick and easy fixes. Studied history? Tutor some struggling students. Know a second language? Try teaching someone else. Make sure your prices are fair and people will pick up on it.

7) Keep your eye on the goal

It always helps to keep a close eye on your finances, particularly when you’re saving for a particular goal. If you don’t watch out, you can easily fall behind or fall totally off the wagon – this is not good! Make sure to check your bank statements regularly (internet banking is a godsend), keep your receipts together and try keeping a spreadsheet of your expenses so you can identify where your money’s going. You might discover some seriously big drains this was that you’d never noticed before.

Kathryn Castle writes on a range of subjects for HolidayCheck, including how to look your best on holiday or while traveling!

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Cheap Electronics – Best Deals Online

March 26th, 2009

Do Not Make Another Purchase Until You See this Website – I’m Serious.

Top-Of-The Line Software, Electronics and More with Massive Price Cuts

Several days ago I purchased a new computer, and when checking out, I was asked if I wanted to purchase anti-virus software. I thought about it, and how much it would cost. The lady at Best Buy told me that the software alone would be about $70 dollars, or with their “install” service, it would cost $200 or so dollars. I was a little shocked by that price because I never recalled paying that much for software. It’s insane that they would offer an “install” service. That would consist of inserting a disc and following the installation process, that may take a matter of minutes. But, maybe not everyone knows that. So, I said “No thanks.”

Today I found an incredible bargains website. The webmaster keeps you up-to-speed with all of the newest promotions and coupon codes that can be used to get major, huge discounts on high-end products. So, I first looked for the anti-virus software that the sales lady tried to have me purchase. I found it right away – McAfee VirusScan Plus 2009. Guess what the price is? $9 dollars only!!!

Some of the items on the website have promotions that last only a few days, and others last longer and provide you with a coupon code to receive the discounts. Many items are also totally free, with the purchase price being exactly the same as the rebate price. Just don’t forget to mail in for the rebate!

I wish I would have seen this sooner, because it would have saved me even more money. :) I just noticed that there is a current promotion and coupon code for Office Max. I just spent a few hundred dollars there on Office Supplies. The coupon is for $60 off of purchases of $250 or more.

Other merchants include: Buy.com, Circuitcity.com, Dell, SonyStyle, Officemax, and more.

>>The website is Ben’s Bargains<<

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