Spend Smarter!

It is all about spending smarter - Why spend money you do not have to??
The Deal Diva appears in the Charlotte Observer on Sunday in the Business/Moneywise section! Thanks to all of you for reading!!
Check out MOM Charlotte - this is a great website and offers lots of great information. http://mom.charlotte.com/
Send me tips by leaving comments on this blog! Or email me at thedealdiva@bellsouth.net I would love to share your great ideas!!
How to Best Use The List :
* The lists are current store specials with recent coupons from Sunday coupon inserts found in the newspaper.
For additional coupons use RedPlum.com, Coupons.com, and SmartSource.com
BOGO deals are generally the best deals out there especially if you have a coupon. Remember you do not have to buy two to get the special price. If you want to buy two make sure you have two coupons to save the most!!
Part of being a savvy shopper is staying organized. Try going through your coupon organizer every few weeks to discard old coupons.
If a coupon says "ANY" and does not specify " does not include trail size" then you can get the smallest size possible and it is perfectly legit to do so. Some of the best coupons say "ANY" and I have gotten tons of trail size products, great items to donate!

Tuesday, December 23, 2008

Top Ten Tips to save $ NOW!

  1. Combine your cable, internet and telephone service. Companies now offer combined services that not only cost less, but offer the convenience of a single bill.
  2. Slow down your internet service. I went to the slower internet service option with my cable company and saved $15 per month. And I haven’t noticed a difference when surfing the Net.
  3. Send away for and follow up on rebates. After you buy a product with a rebate, send in the form that day. Then mark your calendar to remind yourself to follow up with the rebate company if the check hasn’t show up.
  4. Request a reduction in the interest rate for your home equity line of credit. And if you are looking for a home equity loan, LendingTree Home Equity Loans is a great place to check out available options.
  5. Request a reduction in the interest rate on your credit cards. As with home equity loans, credit card companies sometimes are willing to reduce the interest rate. It can’t hurt to ask.
  6. Get your books from the library. Simply put, it’s hard to beat free.
  7. Get DVDs from the library. Many libraries now have movies on DVD that can be checked out. If your library offers this service, it sure beats paying Blockbuster or Netflix.
    Get DVDs from Red Box. If your library doesn’t offer DVDs, get your moves from Red Box. It costs just one dollar per night. Some Red Box locations offer free movies on Mondays – search the Internet for more information!! .
  8. Read magazines at the library or online. Too many magazines can cost a fortune. And how many times have you bought a magazine based on the cover and been disappointed by the lack of substance. At the library you can read magazines for free. And many magazines now offer their content for free online.
  9. Subscribe to magazines that are must reads. If you must have a certain magazine each month, subscribe. Subscriptions offer substantial savings over the cost at the newsstand. Update: Amazon offers some great deals on personal finance magazines.
  10. Get a rewards card. There are many reward cards that pay out in cash or points that can be redeemed for travel or products. Many of these cards don’t have an annual fee.
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