Archive for the ‘budget ideas’ category

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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My ways of Home Budget Ideas

September 8th, 2010

Here are a few ways, I try to cut down on home expenses.  You may know about them, you may not.  But here is a few of what I do to save.  Any other ways you can think of I would love to hear it and post them.  Thanks

  1. Start with your utility bills. Since your electric could be 30% of your budget, lets start with that…
  2. Turn your thermostat up just 2 degrees and wear cooler clothing…
  3. Turn your water heater temp down 2 degrees also, you most likely won’t even notice the difference but your electric bill will. Also wrap it if you haven’t already.
  4. If you have a dishwasher only run it on off peak times (like the middle of the night) also prop it open and allow it to air dry as opposed to letting the machine dry the items.
  5. For your washing machine, turn it to wash on cold, unless you work on oil rigs the cold setting should still get the dirt out. Cut down on the amount of times per week you use the dryer.
  6. Use power strips to protect against Phantom Power
  7. Use plastic grocery bags for trash as often as you can. You may have to take it out more, but it will save you several boxes of trash bags per year and your gross trash doest have to sit in your house waiting to fill the bag.
  8. Wrap your water heater with batt insulation**** it will drastically reduce your monthly bill unless you have one of those instant heat electric units that creates hot water at the source. Wrap it tight and use duct tape. if it is a gas heater…. just make sure you leave a cut out fore the pilot flame to not be covered and duct tape a band all the way around several inches above the pilot cover.
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