- 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.
- 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.
- 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.
- 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.
- 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.
- Get your books from the library. Simply put, it’s hard to beat free.
- 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!! . - 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.
- 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.
- 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.
Showing posts with label magazines. Show all posts
Showing posts with label magazines. Show all posts
Tuesday, December 23, 2008
Top Ten Tips to save $ NOW!
Saturday, December 20, 2008
How to - Couponing
Clipping Coupons- Part 2
Timing - Try to choose the same day and time to clip your grocery coupons each week. This will help you establish a routine. I like to do mine at the beginning of the week, either on Sundays or Mondays.
Method - Now when it comes to clipping your free grocery coupons (which you can find in many forms, including the Sunday newspaper, magazines, weekly mailers, etc.), you have several methods to choose from... Clip out only the coupons you know you will use: This might take a little more time as you will need to look at (and think about) each individual coupon as you cut them out, but will save time later when filing them away and when going through them for use each week.
Share- sort out which coupons you need to keep and which coupons you can share with a friend.
Storing Coupons
Inexpensive Containers - There are plenty of coupon organizers on the market today but all you really need is a simple basket or box with some index cards for dividers. Here are a few of my favorite ideas for inexpensive containers to store your coupons in…
* Recycled envelopes: FREE! Instead of tossing out all those crisp clean reply envelopes (others may think of as junk mail), tuck the flap inside and use to store your coupons. This is great if you don’t have many coupons to store.
* 4x6 file boxes: This is my latest storage container of choice and after looking for file boxes at several stores around town I finally came across just what I was looking for, at our grocery store!
* Recycled shoeboxes, diaper wipe containers or empty food boxes: FREE! These are great because they won’t cost you a penny and have plenty of room to store hundreds of coupons.
*Index Dividers – You can either purchase index dividers from an office supply or discount store, or make your own, as I did.
* Store bought dividers: Alphabetical and numerical index card dividers can be purchased and either used as is or adapted for coupon categories.
* Making your own dividers: FREE! Just about any type of large index cards or heavy cardstock paper will do. You can even cut out cereal boxes and make your own sturdy dividers completely for free.
* Labeling your dividers: FREE! Make a list of the coupon categories you’d like to have in your coupon file, such as Breakfast Items, Coffee & Tea, Frozen Foods, etc… in alphabetical order. Then either label or print your dividers with these categories.
Initially, organizing your coupons may take a few hours, but it will help you save precious time (and money) each week. And by getting your coupons organized and ready to use, you’ll be on your way to Coupon Queen Savings in no time!!!
Plan some of your meals around what's on sale. Make your shopping list with each week's circular nearby, and stick to your plan.
Consider investing in a couple of copies of the paper if you've got a big family. You'll want more copies of the Sunday coupon supplements, which is where 82% of all coupons are located.
Pay it Forward- Have coupon for Free item such as cat treats or dog food but do not own a pet? Use your coupon and give the item to a friend you know has a pet
Timing - Try to choose the same day and time to clip your grocery coupons each week. This will help you establish a routine. I like to do mine at the beginning of the week, either on Sundays or Mondays.
Method - Now when it comes to clipping your free grocery coupons (which you can find in many forms, including the Sunday newspaper, magazines, weekly mailers, etc.), you have several methods to choose from... Clip out only the coupons you know you will use: This might take a little more time as you will need to look at (and think about) each individual coupon as you cut them out, but will save time later when filing them away and when going through them for use each week.
Share- sort out which coupons you need to keep and which coupons you can share with a friend.
Storing Coupons
Inexpensive Containers - There are plenty of coupon organizers on the market today but all you really need is a simple basket or box with some index cards for dividers. Here are a few of my favorite ideas for inexpensive containers to store your coupons in…
* Recycled envelopes: FREE! Instead of tossing out all those crisp clean reply envelopes (others may think of as junk mail), tuck the flap inside and use to store your coupons. This is great if you don’t have many coupons to store.
* 4x6 file boxes: This is my latest storage container of choice and after looking for file boxes at several stores around town I finally came across just what I was looking for, at our grocery store!
* Recycled shoeboxes, diaper wipe containers or empty food boxes: FREE! These are great because they won’t cost you a penny and have plenty of room to store hundreds of coupons.
*Index Dividers – You can either purchase index dividers from an office supply or discount store, or make your own, as I did.
* Store bought dividers: Alphabetical and numerical index card dividers can be purchased and either used as is or adapted for coupon categories.
* Making your own dividers: FREE! Just about any type of large index cards or heavy cardstock paper will do. You can even cut out cereal boxes and make your own sturdy dividers completely for free.
* Labeling your dividers: FREE! Make a list of the coupon categories you’d like to have in your coupon file, such as Breakfast Items, Coffee & Tea, Frozen Foods, etc… in alphabetical order. Then either label or print your dividers with these categories.
Initially, organizing your coupons may take a few hours, but it will help you save precious time (and money) each week. And by getting your coupons organized and ready to use, you’ll be on your way to Coupon Queen Savings in no time!!!
Plan some of your meals around what's on sale. Make your shopping list with each week's circular nearby, and stick to your plan.
Consider investing in a couple of copies of the paper if you've got a big family. You'll want more copies of the Sunday coupon supplements, which is where 82% of all coupons are located.
Pay it Forward- Have coupon for Free item such as cat treats or dog food but do not own a pet? Use your coupon and give the item to a friend you know has a pet
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