Showing posts with label saving money. Show all posts
Showing posts with label saving money. Show all posts

Tuesday, November 24, 2009

Blog Hop - WAYS TO SAVE MONEY AND REDUCE EXPENSES


this week for blog hop the theme is ways to save money this is something i know alot since my hubby being on a disability money is real tight so here is my ways to save money

use coupons when you shop - it does not matter wheather its .50 off or $3.00 off it all adds up and saves you money

Price match - price matching is another way to save money espically on high ticket items at christmas but can be used for everyday shopping like groceries for example some stores will match your price of another store plus give you 10% back to you most will do it as long as you have a flyer , or some will call the store depends on what store call around to diffrent stores and find out wich ones do it

SCOOP aka scaning code of practice - people watch how the items you buy scan at if they are diffrent from what the tag says the scoop comes into effect wich means if the product is $10.00 or less you would get it free if its more then $10.00 you get $10.00 off but not all stores partispates so find out wich ones i know walmart does but zellers does not (as far as i know) here is the website for scoop

http://www.retailcouncil.org/advocacy/cp/issues/scanner_acc/print/scanner_accuracy02_eng.asp

cook at home whenever possible - if you cook at home think about how much you will save when you go to say mcdonalds a meal can cost upwards of $10.00 if eating there everyday that alot of money down the drain its cheaper to brownbag it and if you have dinner out once a week that can cost up to $100 dollars its cheaper to cook at home for dinner

Befriend the Library - Buying books and movies gets expensive, and even renting can add up. Take a trip to your local library; and you'll find all of the latest books and movies available free of charge if you add up all the times you go to the movie theather or rent a movie it does add up

Switch to Online Bill Payments - Save yourself a stamp, and avoid late fees by paying your bills online. You can pay direct to your creditors, or set up automatic bill pay with your  me and my hubby we pay our cable through our online banking every month its so much eaiser and no hasstles at the bank or waiting for a cheque to clear

Seek Freebies - okay i'm always posting them here but hey its a great way to try new products and you enjoy a mailbox bursting with goodies

Wash in Cold - Cut your electric bill substantially by washing your laundry in cold water. Your clothes will still come out clean, and your hot water heater won't have to work nearly as hard.

Flip a Switch - Reduce your electric bill even further by turning off lights and other electronics when they aren't in use. It may seem like a small thing, but you're sure to see the difference on your next electric bill.

Make a budget. - if you stick to a budget you will be able to save more money and know where your money goes

Buy your gifts during after holiday clearance sales -  you’ll save a ton on discounted items. Some people stock up on gifts they give away during the year, which they buy during the cheapest time of the year.

Save money on used items - shopping at auctions, garage sales, flea markets, farmer’s markets and at sites like Craigslist or eBay are good when youre looking for new items , alot of second hand items are just like new. but use your best judgment.

Save all your change - deposit your savings into your bank account every few months. Your change adds up!

Create your own 100-calorie packs - buy in bulk and divide your large packs into smaller ones yourself.
 
make your own pizza and fast food meals - me and the hubby do this all the time on friday or saturday nights we make our own pizza you can pick up big pizza shells for as little as $5.00 and then just buy your toppings much cheaper

buy used clothing instead of new - used stores like value village and goodwill are great places to get clothing at a reasonable price you can get a shirt for as little as $3.00 and most stuff looks like new

make meals and freeze them - i know it sounds silly but getting paid once a month i had to do it make a bunch of diffrent meals and freeze them for future use also if you have leftovers from your meals that you did not perpare and freeze you can freeze them too

buy meat in bulk and save $$$ - there a great place here in my city called oceans i buy 3lbs or more of meat and they only charge me $1.99 a lb instead of the usal $ 3.49 a lb check around and see who may do this you would be suprised


MckLinky Blog Hop

Monday, February 9, 2009

mom's budget coupons

found this site a while ago its just like a coupon train you go online pick what coupons you want out they send them to you and you send them the same dollar amount back its such a great idea i recived mined today and once they recive your coupons you can get more from them what a great thing they have usa and canadian coupons wich conviently enough have there own catagory

here is what they say onthere site

"all these coupons are offered for FREE. In exchange, we ask that you mail your extra coupons back to us, and recommend the site to others. Here you will find listings of all our available coupons for both the US & Canada (we have separate categories for each, so be sure you are searching in the right one :) We also have a large "CANADA ONLY" on all the Canadian coupons.
While you can pick as many individual coupons as you need, you can only order one each. If the expiry date is only a few weeks away, we will often lift the limits if we still have enough. Likewise, if we get an excess of some coupons because it seems everyone has sent one of them to us, we might lift the limits too.
How does it work? Think of it as a coupon train - we send you the coupons you want, and then we ask you send us coupons worth the same value back to us. You can also send us uncut inserts, if you are sending 15 pages of inserts or more. Remember, the more coupons you send us, the more people will use the service, meaning even more coupons are available for everyone!"


so visit there website to sere what coupons are avalible

http://www.momsbudget.com/coupons/

Wednesday, February 4, 2009

saving money on scrapbooking




I think of myself as an active crafter but one of my favorite things to do is scrapbooking but i find buying all the suplies can be costly so here are inexpensive ways to get the scrapbook suplies you need

one way is to print scrapbook pages and embelishments from your computer the folowing sites are some of my favorite to print scrapbook stuff

http://www.activityvillage.co.uk/scrapbook%20paper.htm
http://www.character-in-action.com/digital-scrapbooking-paper.htm
http://shabbyprincess.com/downloads.asp
http://www.creativity-portal.com/howto/artscrafts/free.printables.scrapbook.templates.html
http://www.keepandshare.com/htm/printable/scrapbooking/free_printable_scrapbooking.php
http://www.graphicgarden.com/files17/eng/print/tags.php
http://www.freeprintable.com/scrapbook
http://www.momsbreak.com/printable/paper_crafting_and_scrapbooking/Many_Scrapbooking_Sets.shtml
http://www.scrapbooking.circleofcrafters.com/projects.html
http://www.alenkasprintables.com/scrapbooking.shtml
http://www.hersheys.com/easter/free-stuff/scrapbook-essentials.asp
http://h10025.www1.hp.com/ewfrf/wc/acCategory?lc=en&cc=us&extcat=scrapbooking
http://www.heavengraphics.com/free-scrapbook-paper.htm
http://www.bisous.biz/scrapbook.htm


These ones are for baby books
http://www.freebabymemorybook.iwarp.com/
http://www.momsbreak.com/printable/freebaby/index.shtml
http://www.anbesol.com/baby/chart.asp
http://www.familytreetemplates.net/

aother way to save money when scrapbookings to do digital scrapbooking you could do your whole pages this way including the photos ad print them off there are a variety of progams to use as soon as i find more info i will post it

Friday, January 23, 2009

coupons and saving money


i thought for my first post i would talk about one of my favorite things saving money and using coupons since using coupons i must have saved hundreds on groceries as me and my husband are on a disabilty it is crucual for us to use money wisley getting paid only once a month does not leave much money for the imagination ( thoes of you who have gone through tough times know what i mean) in these days we all need to save money and the one thing that all through the 2 and 1/2 years i have been married that has saved me money is using coupons. these coupons are just like money with one diffrence they take money off your grocery bill say you go to the grocery store and spend $200 dollars and use 20.00 in coupons if you tally that at the end of the year with using 20.00 in coupons each time you would have saved $220 dollars that is alot if you tally up free product coupons and rebates it will be alot more. now i can just see by now some rolling there eyes but coupons do work being frugal does work it has worked for me.

i have a list of diffrent coupon sites to view

** CANADA**

save.ca
http://www.save.ca/

go coupons
http://www.gocoupons.ca/home.html

p&g everyday solutions
http://www.pgeverydaysolutions.com/pgeds/en_US/jsp/EDS_Page.jsp?pageID=SCSCL

coupon network

for alantic provinces only



val pak





the next few are sites with coupons as well as flyers

flyerland
http://www.flyerland.ca/

eflyers
make sure to change your city
http://www.eflyers.com/index.php?file=c-browsebycoupons

grocerysavings.ca
http://www.grocerysavings.ca/couponsPromotions.asp

**USA**

coupons.com
http://print.coupons.com/couponweb/Offers.aspx?pid=13306&zid=iq37&nid=10

p&g everyday solutions
http://www.pgeverydaysolutions.com/pgeds/en_US/jsp/EDS_Page.jsp?pageID=SCSCL

cool savings
http://www.coolsavings.com/

val pak
http://www.valpak.com/coupons/home;jsessionid=86EDCAC88BEC4214D802F6CC3678AA5E


now more on saving money

you can also save money by doing the folowing

* shopping for deals
* price matching - some stores do it if you see a price that is lower then theres they will give it to you for that price
* SCOOP - this is when they scan it and it comes up wrong they have to give it to you for the tag price
* stacking coupons - using a coupon for each product you buy this is like when you buy 4 klenexs you would use a coupon for each one most stores allow it but quite a few do not
* only using coupons for things you use or need - i use to get coupons for everything but i found this leads to alot of inpulse buying so only get/use coupons on things you need/use
* trading coupons/ coupon trains - i have found doing this is quite useful there are diffrent coupons in diffrent stores and diffrent regions so trading online by email/groups is a good way yahoo has lots of them also joining trains is another good way a train is an envlope full of coupons going to diffrent people they have a list of passangers when you get it you would take out coupons you need and replace it with the same dollar amount of coupons you took
* join coupon groups - coupon groups are not just for coupons they also are for sharing money saving ideas yahoo has some of the best ones (must be a member of yahoo to join) but do a serch on yahoo you will find all kinds here are some i know about

**CANADA**

trading post coupons
http://finance.groups.yahoo.com/group/tradingpostcoupons/

pantry challange coupon exchange canada
http://groups.yahoo.com/group/Pantry_Challenge_Coupon_Exchange_Canada/

Canadian Coupons
http://finance.groups.yahoo.com/group/CanadianCoupons/

Canadian Coupon Club
http://finance.groups.yahoo.com/group/CanadianCouponClub/

Can-Coupons
http://finance.groups.yahoo.com/group/CAN-COUPONS/

Canadian Coupons at SmartCanucks
http://forum.smartcanucks.ca/canadian-coupons-trains/

i hope you got some usful information from me stay tune untill my next blog entry there is lots of fun to come and not just about coupons and savings :)