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January 06, 2010

Volunteer a Day, Get a Day at Disney

During 2010, Disney Parks are inspiring people to get out and volunteer in their communities. Sign up to volunteer through DisneyParks.com and get a free one-day admission to your choice of a Walt Disney World® Resort or a Disneyland® Resort Theme Park. Must preregister and sign up for eligible volunteer opportunity at disneyparks.com. Ticket quantities for this program are limited to 1 million participants. Must be at least age 6 to participate. One ticket per person.

June 03, 2009

Check your FL driver's license to save $28

Florida Driver's License driver license renewal is going up to $48 on Sept 1, 2009. Currently, it's $20. You can renew up to 18 months in advance, so check yours to see if you can renew early before the increase date.

http://www.flhsmv.gov/realid/

March 12, 2009

40% Off Brochures

PsPrint.com is a print service that takes orders solely online. You can get quotes, see our proof and get your work in about a week, and for much less than brick-and-mortar printers. I often recommend and use PsPrint to my clients.

Until March 31, PsPrint is offering 40% off brochures. They normally start at $54 for full color and are now $32 for a quantity of 50.

Do you have a brochure you need to create for your business? Head over to http://carandavis.com/design.htm and learn about my design work. I'll offer you 40% off my regular rate until March 31 as well.

January 07, 2009

Coupon Spreadsheets

This Mommy blogger is sharing her spreadsheets complete with formulas to track grocery shopping savings, by the week and by the year. Enjoy!

November 27, 2008

CVS Open Today

Snagged some good deals at CVS this morning. They're open Thanksgiving with the sales that run through Saturday. I spent $48.30, saved $48.20 and got $14 in Extra Care Bucks to use on my next purchase.

August 30, 2008

Have an 'Eat Down'

This blog describes what many of us do when we realize our pantries are full but we have no food, if you know what I mean. This blogger calls it an "Eat Down." Dig through your pantry and see what creative combinations you can come up with to use up the food you have. Then, make a list of the rest of the ingredients and either find recipes and buy new ingredients at your next store visit, or just keep the list with you on grocery trips so you can find things to combine with them to use them up.

Forget Powder, Use Lemon!

lemon.jpgA cheap and green way to care for your skin and avoid unsightly shine is to use lemon instead of prepackaged cosmetics.

Planet Green suggests the following one-ingredient recipe:

• Before bed, apply straight, fresh lemon juice to your face with a clean makeup brush. Leave on for five minutes. Rinse. Temporary redness from the citric acid is normal.

• In the morning, combine 10 drops of lemon juice with one half cup of water. Apply with a cotton ball and do not rinse.

August 22, 2008

Mint.com

Thanks to this blog for a preview of a free personal finance software that looks fun and easy to use: Mint.com.

April 07, 2008

Become a fan of FreeShipping.org

My friends have created a website where you can find free shipping coupons for your favorite online stores. If you love free shipping, or like me, think that shipping should always be free when you're shopping online, become a fan of FreeShipping.org.

February 26, 2008

Cheap Ways to Clean

Looking for a cheap, non-toxic way to clean your home? Here are some ways to create your own cleaning solutions with items you probably already have in your home and that are safe for the environment and yourself!

* Baking soda: Use baking soda in a parmesan cheese container (glass one with the stainless steel top with holes in it) and sprinkle on any surface. This is great for bathrooms and the kitchen. You can also use baking soda as a natural fabric softener in the dryer.

* Vinegar: Vinegar will clean just about any surface in your home: windows, countertops, floors, etc. You can even use it in the wash cycle with your laundry to keep fabrics from fading. For specific recipes and uses visit http://www.versatilevinegar.org/usesandtips.html.

* Borax: Borax is effective with laundry and also removes mold in the shower.

* Hydrogen peroxide: Use hydrogen peroxide for disinfecting and whitening instead of bleach.

* Vodka: Vodka dispersed from a spray bottle will freshen up fabrics and upholstery. It’s cheap and non-toxic. The alcohol evaporates.

Source: Jeanne McLaughlin, International Institute for Bau-Biologie and Ecology via Mercola.com

February 15, 2008

Get in on Spa Week ($50 Massages)

From About.com: Spa Week is coming up April 14-20, 2008. Enjoy $50 spa treatments in 21 markets in the U.S. and Canada, including New York City, Los Angeles and Toronto.

February 07, 2008

Free Photos from Walgreens

Between now and Feb. 9, order a "family pack" and use promotion code "VALENTINE" at Walgreens.com for a free set of 1 8x10, 2 5x7s and 4 4x6s. I ordered one for our family, then used my parents' account to order them one. Happy Valentine's Day indeed!

February 02, 2008

DIY Mural

This article outlines how to paint your own mural using one of those handy-dandy mural kits and how much you'll save: 82% instead of hiring an artist to do it for you.

There are a lot of sites offering cheesy mural kits for kids' rooms. Here is one of the better ones I've seen:

http://www.rosenberryrooms.com/wall-mural-kits-for-nurseries.html

January 21, 2008

$15 Off Tax Prep

Here's a $15 off Jackson Hewitt coupon: http://jacksonhewitt.com/library/print/?OfficePromotions.

January 07, 2008

Money Goals for 2008

Have you stopped to take inventory of your spending/saving from 2007? If not, think about it, and set new goals for 2008. Here's an article to help.

December 20, 2007

Free 8x10 from Walgreens - Friday Only

Friday, Dec. 21, Walgreens is offering 1 free 8x10 when you use the coupon code: VERYNICE.

Very nice, indeed.

December 17, 2007

Going Green on a Budget

Organic and specialty products are almost always more expensive than their less-eco-friendly counterparts. MSN has an article with tips on how to go green on a budget.

December 15, 2007

Cheap Trend? Rent a Designer Handbag

purse2.jpgSome women are opting to rent high-end designer handbags, thanks to websites like BagBorrowOrSteal.com and FromBagsToRiches.com.

A Boston Globe story explains how BagBorrowOrSteal works: "Customers pay a monthly fee for access to a collection of authentic designer handbags. Membership levels -- ranging from Trendsetter ($19.95) to Diva Deluxe ($174.95) -- determine whether a customer borrows a Coach minibag or an expensive, hard-to-get Hermes tote. Members may borrow the bag for as long as they like, and when they're ready for a change they can go online and order another. The company also offers the option to buy the bag at a discounted price determined by the bag's age and condition."

Interesting trend! What do you think about it? Post below.

December 14, 2007

Cheap Ways to Get Santa Pics

I never knew this was possible until tonight, but my friend told me that she and some others in her local "moms" group went to the mall to have their kids made with Santa. When they got up there, they asked if they could take their own photos and the workers gladly obliged. They just stepped aside. This is a common practice! They paid $0 to have their kids pictures made with Santa and the whole setup. Great tip!

December 09, 2007

Get 6 free songs on Amazon.com

Amazon.com is offering six free songs (no strings attached). Go to the mp3 section and click 'holiday deals', scroll down to the bottom to see and download 4 of them. Do a search for KT Tunstall for the fifth one and Brian Setzer for the sixth. Enjoy!

FREE MP3 Songs:

"So Long, You Fool"
by Sophie Milman

"100 Days, 100 Nights"
by Sharon Jones & The Dap-Kings

"Holiday Twist"
by Los Straitjackets

"Thick As Thieves"
by Dashboard Confessional

"Saving My Face"
by KT Tunstall

"Take A Break Guys"
by Brian Setzer

Candy Cane Creations

candycane.jpgBuy candy canes in bulk and make a variety of holiday treats that are easy on your budget.

Shop at a warehouse store like Sam's Club or Costco, or shop online for bulk deals.

Peppermint Bark
Buy meltable Almond Bark from your grocery store. Melt it in a microwavable safe dish, then pour it into a 9x13 pan. As it begins to cool, sprinkle crushed candy canes over the top. After it has hardened, use a knife to break into uneven pieces. These make great gifts packaged pretty.

Gift embellishments
Top your hand-delivered Christmas cards and gifts with wrapped candy canes.

Sweet Stirrers
Use your candy cane as a stirrer in hot cocoa. You can also place a hot cocoa packet in a pretty mug, then place a candy cane in it as an economical gift for coworkers.

Ornaments
Use any leftover candy cards to decorate your Christmas tree as ornaments! Let your child (or yourself) eat one each day until Christmas.

Curbly.com

Here's a fun website with fun ideas on how to make cool, modern stuff: Curbly.com. Think Ready Made magazine.

Here are some recent posts: gift tags, sporty shopping bag, picture frame from glasses, candy dish, pet hotel ....

Cheap Ways to Celebrate Christmas

916463_christmas_decoration.jpgWhat a card! Keep your Christmas cards each year. Cut the covers off and use them as postcards the next year. You'll save on postage and recycle! You can also attach these to gifts to use them as name cards.

Cut it out! Reduce the number of people you send cards to or give gifts to! If you haven't talked to the person in a year, don't feel obligated to send them a card!

That's a wrap! Use paper of all kinds to wrap gifts. Here are ideas on how to do it.

Do your homework. Before buying (whether it's gifts or food), check the newspaper for the best deals. And for items that can wait, plan your purchase for after the holidays when clearance prices are at their lowest. Before you buy in the store, check prices online. Many sites offer free shipping during the holidays.

Go out! There are lots of free holiday programs around Christmas. Check local church websites and chamber of commerce websites to find local parades, concerts and other free events.

Get together. With many "buy one, get one free" deals around, get with a friend and split your purchases to save money and avoid buying more than you need.

Give. If you're investing in new technology or toys this year, donate your old stuff to charity or a family you know needs it would appreciate it.

October 10, 2007

Cute as a Button!

buttonpumpkin.jpg Here is an adorable idea for decorating with pumpkins this fall from iVillage.com. Cheap tip: Use stray buttons you already have around the house.

Also from iVillage, check out more ideas for DIY costumes.

You can also spray-paint pumpkins and gourds. My friend Anna, who put together my wedding reception, spray-painted pumpkins gold (the theme of my wedding) and mixed them with fall foliage and candles for the centerpieces. They turned out beautifully!

October 08, 2007

Practices of a Smart Consumer

I have a friend named Kyle who is often an inspiration for this blog. He has made it a practice to buy expensive things from Costco ... mainly electronics. If they break or develop a problem, Costco is great about allowing you to return the item or exchange it.

Kyle bought a Lexmark laser printer last year and got an error this week that would cost $500 to fix. He only paid $400 to begin with, so off it's going back to Costco. If he bought it at another retailer, he might not have that option.

He also regularly watches Craigslist on items he's thinking about purchasing, like tires and rims. He watched a set go from $700 to $500 — which would be the cost of new tires alone. So essentially he will be getting the chrome rims for free.

What "practices" do you follow to regularly save money — on big or small items? Post your answers in comments.

I like to "barter" services for other services. For instance, right now I'm building a website for a friend who has a small business making accessories for babies. She pays me in product. With me having a nearly 3-month-old, this is worth more than cash!

October 05, 2007

Fall Decorations

falltable.jpg I'm a big proponent of decorating your wedding with items you can keep and use in your home afterward. Because my husband and I married in November, we have lots of wonderful fallfront.jpg fall decorations that I get to pull out each year. They remind us of our wedding and they help us not spend money on making home beautiful in the fall.

This is my "table scape" I put together this morning. I bought the purple tablecloth and napkins 70% off at Joann's a couple of years ago. I think I paid $6 for both of them. The silver chargers and coasters were a gift from my mom. They're from Target, so they're not that expensive either.

The basket was apart of a baby gift we got earlier this year. The floral pieces, leaves and candles are all from our wedding decorations. The baby pumpkins were purchased from Wal-Mart for $5 (for 6).

The wreath/candle combo is in croton.jpg our foyer. The wreaths are on sale now from Wal-Mart for $8 ... a little more than I normally like to spend, but these days convenience is more valuable to me. I don't have time to go to multiple stores to find or make one for cheaper.

Again, the candles and leaves are from our wedding. I bought the string of pearls for a quarter at a yard sale two years ago and have used it in another decoration in my house before.

The plant pictured here is called a croton. These are fabulous to decorate for fall with. I have two potted crotons on either side of my front door. They're exploding with rich fall colors. Each plant was $12 from Wal-Mart. These are in abundance in Florida and do well in moderate sun. We have several planted along the walkway to our front door as well. They're hearty, big, beautiful and easy to maintain.

October 04, 2007

Scary Spending for Halloween

ballerina.jpg According to a National Retail Federation's Halloween Consumer Intentions and Actions Survey, the average American plans to spend almost $65 this Halloween season on things like costumes, candy and decorations. This is up from approximately $60 last year.

Nearly 60 percent of people celebrate in some way, spending an estimated total of $5.07 billion nationally.

Looking for ways to save? Parents magazine has eight adorable handmade costumes (like a bee, dragon, superhero and more) for your little one. You might just pick up and idea or two for grown-ups as well.

My favorite is the ballerina – with the tutu made from strips of wax paper, plastic bags and mesh onion sacks! Cute and cheap.

October 01, 2007

Got 401(k)?

Many employees take advantage of their company's 401(k) program (if you don't, you should!) But now many companies are offering Roth 401(k)s. The main difference is that with the traditional 401(k), you contribute pre-tax dollars and pay taxes when you withdraw. With the Roth, you pay taxes now and withdraw tax-free after you're 59 1/2 years old. Only our contributions will be put in the Roth account; any employer matches will go to a pre-tax account, just like the traditional 401(k). U.S. News and World Report has an online comparison guide to help you decide which program is the best for your money and retirement plans.

September 04, 2007

Photo Framing Online

I found a website called American Frame where you can buy custom size frames and mats for pictures at a fraction of what it costs to get them framed. You just mount the photo and put the pieces together... the frames are assembled and the mats are cut.

June 21, 2007

20 Cheap Tips

fork.jpg MSN.com has a link on their homepage today to an article outlining 20 ways to save money each day at just 15 minutes a pop. They suggest simple activities like cleaning your car's air filter and making dinner instead of eating out. Click here to read the full article.

Also on MSN is a link my friend Tammy sent me that will give you the cheapest gas stations in your area; it’s updated every evening.

June 11, 2007

CVS Coupon

cvs.jpg CVS has a e-coupon right now for $10 off a $50 purchase, plus free shipping. It's nice if you have items you know you need to buy that you can't get with coupons, sales, etc. You'll see it on the top of the second column of promotions here: http://www.cvs.com/CVSApp/cvs/gateway/promotion/default.

June 07, 2007

Free Root Beer Floats

rootbeer.jpg Thanks to Craig T., for this tip!

"Just FYI, today, June 7, is Free Root Beer float day at Sonic. Between 8 pm and 12 am, free root beer floats."

June 01, 2007

Free Donuts

donut.jpg It's national donut day and Krispie Kreme is giving out free donuts: http://www.krispykreme.com/storelocator.html!

May 18, 2007

Garage Sale Locations

yard_sale.jpgLooking to go yard-saling this weekend? Outside of your local paper, check these sites for postings for this week’s sales locations:

www.craigslist.org
www.garagesalehunter.com
www.yardsalesearch.com

Happy hunting!

May 03, 2007

Free Virtual Classes

For anyone who has parents who are nearly computer illiterate like mine, you’ll be glad to know that your local library might offer free virtual classes in basics like how to use email and basic programs like PowerPoint, Excel and Word. Here are my library’s local offerings.

April 30, 2007

The Saver's Creed

hundred.jpg It's easy to notice a spender. Whether it's the new car, up-to-the-minute fashion or stacks of take-out in the fridge, people who spend money stand out. People who save wear a quiet badge of honor. This Baltimore Sun columnist lists seven habits of highly effective savers, if you will, including:

• Creed: Pay yourself first.

• Goal: Some long-term or short-term idea to inspire savings.

• Tracking system: Keep close tabs on the money.

• Opportunity: Take advantage of employer benefits, like 401(k)s, and benefits-laden debit or credit cards.

• Monthly Payoffs: Credit cards are for convenience (and sometimes rewards), but balances are paid off before interest is accrued.

• Fun: Bargain-hunting becomes a hobby or sport, making saving a pleasurable pursuit.

April 26, 2007

Unique Publix Sale

grape.jpgBeginning this week, Publix is offering free store-brand products when you purchase select brand-name products. Each week for the next five weeks, they will designate three products—this week it's grape juice, crunchy raisin bran and English muffins. See more info here: http://www.publix.com/publixbrand/

April 24, 2007

Freecyle - Free Stuff

freecyle.jpgWhile we're on the subject of "free," check out this service if you haven't already. Freecyle.org is a grassroots network of communities who post items they want to give away, and in return, get items they're interested in. I have signed up for two of my local areas, Apopka and Altamonte Springs. I get a daily email of postings. You have to have a Yahoo email account (or sign up for a free one) to join.

April 21, 2007

Free Compact Fluorescent Lightbulb

In honor of Earth Day, Home Depot is giving away free Compact Fluorescent Lightbulbs (CFL) at its stores tomorrow, April 22. Click here for details.

April 17, 2007

Free Cone Day

It's "Free Cone Day" at Ben & Jerry's. Visit their website for locations.

April 13, 2007

Burrito Bucks

burrito.jpgBuy a burrito from Chipotle on the 14th or 15th, pick up a BurritoEZ-FWI form while you're there and attach the receipt, then return on April 16th for a free burrito.

April 12, 2007

Cheap Ways to ‘Save the Date’

savethedate.jpgA savvy Cheap Ways To reader named Buddy Overstreet sent in this fabulous tip. I love the creativity and the excellent and economical execution of the idea. Enjoy!

“I really enjoy your ‘Cheap Ways To’ ideas and wanted to share our recent ‘cheap’ success.

“We were looking for an economical ‘save the date’ card to mail to our guests for our summer wedding. I dabble in graphic design so I was convinced we could do something on the cheap. We liked the idea of a photo booth concept so I put my design skills into action. We took a bunch of photos of us in different fun poses holding the signs ‘we're’ ‘getting’ ‘married’, and the date. I then laid it out in photoshop with the look of a strip of photos from a photobooth. So far no money spent, but no product yet either.

“The savings really happened on the printing. I laid my finished product out on a 4X6 file (I could fit two strips) and uploaded the jpg to snap fish. I then ordered the prints from snapfish and was able to pick them up in an hour from my local Walgreens. I got 150 photos (300 total photostrips) for $30 and I didn't even have to pay for shipping. I thought this was an incredible value for the quality of a photo print job. It definitely beats the printing on the home deskjet. I included a picture of our card.

“Thanks for all the economical inspiration.”

Thanks for sending this in, Buddy!

DIY Upholstery

chairs2.JPGMy friend Nita recently recovered/upholstered her dining room chairs—updated them from an old-fashioned looking floral to a modern stripe. Each chair would cost approximately $200 to be professionally recovered. “I decided to bite the bullet and take a stab at it myself,” she says. “It wasn't really that hard. Now, I know they are perfect/totally professional, but most people will never know the difference. I am pretty happy with them. Now the colors blend well with the family room and kitchen. It makes me happy:)” Thanks for sharing your project with us, Nita!

Half-Price Living

halfprice.jpgI’m reading Half-Price Living, a new book from Moody Publishers by a Christian author named Ellie McKay (www.elliekay.com). The book is super practical and has good advice about living on one income. She has five kids, too! Her website has good links to coupon and saving money sites.

A friend has recommended I check out The Complete Tightwad Gazette by Amy Dacyczyn. The friend who suggested it said “some of her suggestions are a little ‘out there’, and I would never consider them (like not using my dryer because it saves $179 a year), but most of her suggestions are really good and practical. She, in essence, went from a spend-thrift to a tightwad in order to live in a farm house in Connecticut. You might enjoy it.” I told her I’d check it out from the library!

March 20, 2007

Free Iced Coffee Tomorrow

dunkin.jpg Tomorrow, Wed. March 21st, is free 16 oz. iced coffee day at Dunkin. Visit their website for details and a "send to a friend" e-vite.

March 14, 2007

Free Coffee

starbucks.jpg From 10 to noon tomorrow, Starbucks is giving away free cups of coffee. I don't think you need a coupon.

Also, the local Orlando Borders newsletter this week has a coupon for a free drink from their grand opening of Seattle's Best Coffee café on Saturday.

And if you're looking for something cold and sweet to follow that cup of joe, wait for April 17 for Ben & Jerry's 29th annual Free Cone day.

March 12, 2007

Tax Prep Coupon

For those who are looking to use a tax preparation service, Jackson Hewitt has a coupon on their website for $15 off.

January 03, 2007

Save Money All Year Long

Real Simple has posted tips on ways to save and spend wisely throughout the year. Check it out here.

October 16, 2006

The Cost of Pets

macey1.jpgMy husband and I love our rescue pup Macey like she was our child ... This weekend we talked about our desire to have another dog, preferably a Boston Terrier mix, but the talk eventually turned to the cost of owning a pet. That in addition to the extra stress it would add to the household caused us to rethink our dreams of being a two-dog household (you would think we'd be talking about kids with this much attention). With that in mind I found this article today about saving money when it comes to pet costs.

October 11, 2006

Eating Out in the Big Apple

Everyone knows it's expensive to eat out ... but one can expect to spend around $40 a person when eating a decent meal in NYC, which is 20 percent higher than the national average. Zagat's annual dining survey released on Wednesday said prices have raised 5 percent in the city for most restaurants, with some rising 15 percent since last year. This was the biggest percentage hike in years, but it's still a deal compared with meals in Tokyo ($75), London ($72) and Paris ($67).

June 13, 2006

Cheap Date Ideas

sunset.jpg

You can't buy moments like these. This was taken at a park and dock in Mount Dora, about 30 minutes from where we live, this past Saturday evening. Walks on docks and in the park make great cheap dates (especially if ice cream is involved). Always carry a digital camera with you to capture moments and memories. Here are more ideas for cheap dates or group gatherings.

Continue reading "Cheap Date Ideas" »

June 08, 2006

Cheap Ways to Throw Birthday Parties

Americans spend around $10 million dollars on birthday celebrations each year, according to Hallmark. This Orlando Sentinel article has tips on how to throw a birthday bash with less cash.

May 31, 2006

Save that Money, Baby!

Here's some good, fresh tips on ways to save money while you're spending (is that an oxymoron?) from ABC News. They are ideas from the author of Greatest Secrets of the Coupon Mom including combining online coupons and rebate programs, getting a refund for items that go on sale for a small period of time after you bought it (called a Price Guarantee), taking advantage of store coupons and which stores accept competitor's coupons and price matching.

Watch Ads for Free Cell Phone Time

cellphone.jpg Virgin Mobile is offering 1 minute of free talk time for your cell phone service for every 30 seconds of ads you watch on a computer or read as a text messages on their phones. You have to then answer questions to prove you watched it. The move is obviously targeted to teens—but I wonder what the response will be.

April 24, 2006

Cheap Ways to Make a Purse

purse.jpg Jeff and I shot photos for a wedding this weekend. I met a lady who had made this adorable purse for less than $2. Can you guess what it is?

Continue reading "Cheap Ways to Make a Purse" »

April 18, 2006

Traffic Woes and Great Blogs

traffic.jpg For those who battle commuting traffic, Kris, author of this blog, Help Yourself, mentions signing up for a customized traffic alert, which is sent to your cell phone. You can specify the time when a voice message telling you where traffic problem spots are and how severe they are. Locally, our newspaper, The Orlando Sentinel, has a service like this. Hit up your local newspaper's website to see if they offer it for your area. You'll save gas and time by avoiding messes on the commute.

Another blog on the same website, Shakespeare's Coffee, gave Cheap Ways to Tie the Knot a shout-out today. Check it out! Rebecca blogs about books and industry news, plus highlights local authors and events.

April 14, 2006

Coupon Queen

walgreens.jpg So I'm feeling like a coupon queen now between my savings at Publix and Walgreens, using The Grocery Game lists. Here's a pic of all the stuff I bought at Walgreens Monday night. The items retail for $35.92 and I got them for $8.66. Not bad! The Walgreens list is free for anyone who takes a demographic survey for the site. Walgreens has an "easy saver" catalog you'll want to pick up in their stores which has several "free" items that you send in receipts to get the rebate.

April 05, 2006

Get Framed!

102552.jpg.fpx.jpg JoAnn's is offering 60% off custom framing if you have three or more prints framed through April 24 (the orders will be in before Mother's Day). If you have one print, you'll still get 40% off and 50% off if you only have two.

This is perfect for me. I've been holding on to 9 prints to get framed for our new house and having been waiting on the best sale of the season. It's here!

March 31, 2006

Creative Financing?

hundred.jpg Here's a creative way to use a big tax refund. This was sent in from Jake who works at a financial firm (in the IT department) in Kansas. Tell me what you think!

"My wife and I adopted our daughter from China last year. The U.S. government gives a $10,000 tax CREDIT to off set the costs of adopting. Needless to say we are receiving the largest tax return we've ever had. We're taking this money and purchasing a whole life insurance policy. What!?!! You say? But wait, it gets better."

Continue reading "Creative Financing?" »

March 26, 2006

Yard Sale Treasures

coffetable.jpg My friend Tia and I hit a few yard sales Saturday morning ... I had great luck. For a grand total of $18, I got: a French Press coffee pot, a bunny rabbit Easter candy dish, a rock fountain (for Jeff), a hanging pendant lamp to go over my breakfast nook (it's a current style that's being sold at Home Depot for $50-$80) and a wooden coffeetable. The coffeetable was light wood and showed signs of wear on the varnish, but its structure was still sound. Jeff bought a little can of Apple Red paint from Home Depot and voila! We have a fabulous coffeetable to accent our black leather couches (which we bought used from Craig's List classifieds) in our new home! We close on our new house Tuesday and look forward to moving in and putting all our great finds together.

March 20, 2006

Coupon Fraud

You know that feeling when something is just too good to be true? I got that last week when a friend forwarded an email that said attached was a document full of coupons—some for $5 and some for free products—from major brands. The email said it sounded too good to be true, but the person used some of them at the grocery store just the night before and they worked. So I happily printed and cut them out and started flipping through them.

Continue reading "Coupon Fraud" »

March 17, 2006

New Scale for Credit Scores Announced

The three major credit reporting agencies annouced a new way of calculating credit scores this week. The new scale, called VantageScore, resembles an academic scale.

Continue reading "New Scale for Credit Scores Announced" »

March 13, 2006

Create Your Own Grocery Game

Okay, so I'm obsessing now over this grocery game business. I found this article that actually walks you through how to set up your own database, of sorts, of figuring out when things really are on sale at the grocery store and what weeks of the year the store runs the best sales on individual items.

This article is found on The Dollar Stretcher, which is packed with useful tips on spending less and saving more. Enjoy!

The Grocery Game

tgg3_header4.gif Thanks for Lindsay who tipped me off about The Grocery Game ( www.thegrocerygame.com), a website you can subscribe to that gives you the lowest sales prices for items at your local grocery store and tells you which coupons to use. You can do a trial subscription for $1 and after that, it's $10 every 8 weeks. The site claims to save you $350 a month and around $3600 a year. Definitely worth checking out.

March 10, 2006

Free Stuff

I mentioned a while back about getting some coupons in the mail after I emailed a company about their product. Here's a blog of a guy who did an experiment: He mail letters to 100 companies about specific products and is blogging about the coupons and free stuff he's getting as a result. Already he's racked up more than $100 worth. Amusing ... this guy has too much time on his hands, but it does make me want to write to companies more often when I have a comment for them.

March 08, 2006

Budget Remodel for Best Resale Values

kitchen.jpg My husband and I are about to move into our first house. Our real estate agent ended up finding us a house in our budget that was way better than the other houses we had been looking at—it’s fabulous and exactly what we need. We will want to update a couple of rooms eventually in the home—the kitchen and master bath—so my husband has been doing some research. He found a great article today on MSN’s Real Estate section that talks about how to remodel to maximize the resell value of your home.

Continue reading "Budget Remodel for Best Resale Values" »

March 06, 2006

All Growed Up

step1_ipodnanohero_060207.jpg Jeff and I sold our condo a couple of weeks ago. This being the first time we've ever had this much cash in our hands from the transaction, we made some responsible (and fun) choices of how to manage it.

A portion went to the church, then we paid off my car (a used Honda Accord we got one year ago that will hopefully last us for a long time!), opened individual Roth IRAs, set part of it aside for the downpayment on our home we're closing on this month, set another part out to beef up our savings, set a small amount for home improvements, furniture, etc. and then bought two iPod nanos! (that was the fun part)

It certainly is hard to hold on to cash once you get it. But I feel we made some good choices and look forward to those investments doing well for us down the road. I like having a plan with money!

February 28, 2006

Innovative Money-Saving Tips

Here is some sound practical advice from the Detroit Free Press, which is reporting on the February issue of Consumer Reports and the March issue of Real Simple:

Continue reading "Innovative Money-Saving Tips" »

February 27, 2006

Tying the Financial Knot

There's was a great article linked here in the Orlando Sentinel yesterday (original to The Dallas Morning News) called "Tying the Financial Knot," about couples merging their finances after marriage. The article suggests talking thoroughly about your finances before you take the plunge and to start planning right away.

Here are several strategies the article proposes:

Continue reading "Tying the Financial Knot" »

February 08, 2006

E-File for Free

If your one of those who feel comfortable doing your own taxes, you do complete an E-File for free through the IRS' website. They link to 20 or so tax prep sites that offer free filing software. To be eligible, you must have an adjusted gross income of less than $50,000 a year. Plus, you'll get your refund faster than filing by mail!

January 31, 2006

Babies Ain't Cheap

The average cost of raising a child from birth to four years is about $250 a week, according to a 2004 survey by the U.S. Department of Agriculture.

They estimated that families making $70,200 a year or more spend a quarter of a million dollars on child from birth through age 17. The survey interviewed and visited 5,000 households four times a year.

This article on Money Central at MSN, which cites the survey, offers some general principles on keeping the costs down. The first and most compelling one is: don't buy more house. The bigger you buy, the more you'll pay. Make the most of what you have, and like many in hot real estate markets, consider remodeling and/or expanding instead of altogether moving.

January 27, 2006

It Pays to Be a Nerd

So occasionally I get the urge to contact a company to share my experience with their product or restaurant, etc. A couple of weeks ago I emailed the customer service department at Birds Eye frozen foods to let them know how much I was enjoying a new product of theirs (Italian Herb Harvest Vegetables) and how I often bring it for lunch at work. I also suggested that the packaging needed some more thought, as it's terribly difficult to pull that plastic lid off when the food is like 400 degrees when it comes out of the microwave. Anyway, I received a nice email back and a few days later, a packet of coupons for their products arrived. Coupons for free products and some with nice discounts. It pays to be a nerd!

I emailed Chick-Fil-A a couple of years back and received a coupon for a free sandwich. Why not think of some products you enjoy, email the company and let them know, then check your mailbox for a nice surprise a few days later?!

January 18, 2006

I Heart Craigslist.org

I check Craigslist's listings for furniture classifieds in Orlando periodically. Since my husband and I are moving into our first house in a month, I've been looking for used furniture. This week I found a listing for 2-year-old black leather sofa and loveseat and dining room set from American Signature listed for $875 and $250, respectively. We negotiated and ended up at $950 for all the items. The pieces retail for $2,700. The seller was moving this week to San Francisco and found it easier to sell it than transport it. My husband and his brother brought a couple of trucks to his apartment and loaded it up last night. The furniture is beautiful. Mint condition. The seller was super nice. It was a great transaction. You better bet I'll be scouring Craigslist for other good deals in the future.

Some have requested a direct link to Craig's List. Here is the page I have bookmarked: Orlando Furniture.

January 13, 2006

Save on Video Rentals

It’s the weekend and my husband and I will head to Blockbuster at some point to rent a couple of flicks. We received a coupon in the mail earlier this month for unlimited rentals for $2.99 each. Blockbuster is really trying to hold onto the movie store market in the face of fierce competition from Netflix, who will deliver DVDs to your mailbox. Here is more information about Netflix and Blockbuster’s attempt at offering the same service to survive, written by Relevant intern, Omote Ekwotafia.

“Usually, services that offer convenience also require an extra handful of your money. Many people have found this is not the case with monthly subscriptions to video rental services. In a recent article, movie enthusiast Jason Vocque said, "You couldn't pay me to go to a video store right now.” And why should he when he could walk to his mailbox? Blockbuster and Netflix are two services that allow you to rent three movies at a time. Once you’ve finished viewing them, just mail them back and your next three will be sent. You don’t have to rush them back to the store, because you can mail them back whenever you are finished. If renting DVDs is a part of your weekly routine, paying one fixed price might just be better than spending four bucks a movie at your local video store.”

Cheap Travel Tips for Key West

While we’re on the subject of travel, here’s an article with tips to save cash while visiting the notoriously expensive Key West.

Some tips:

• “Lodging is cheaper just north of the city in spots such as Big Pine Key, and you won't have to deal with the congestion. (You can leave your rental car at the Park N' Ride on Grinnell and Caroline streets all day for $13 and ride the free shuttle downtown.)”

• “Save on bike rental costs by finding accommodations that lend guests bikes for free.”

• “Check the Web sites of Key West's museums before you go; some have admission discounts you can print out.”

New York, New York!

If you're thinking about visiting New York this year, think quick. Hotel room rates will drop significantly in January and February as holiday visitors clear out, according to this CNN report. Hotel rates soared over the holidays; even Days Inn's rooms were going for $229 on New Year's Eve. But if you travel in the next few weeks, you can score a three-star hotel room for $160 a night. The article warns that the rates won't last, as New York has now recovered from the depression of rates after Sept. 11.

And of course, you can always use Priceline.com if you don't have a specific hotel in mind you want to use. My husband and I did this for our anniversary last year and stayed at the Gaylord Palms in Orlando for $100 a night. Not a bad way to go for a luxury hotel.

Disney Prices Up

Walt Disney World tix have gone up. The basic one-day, one-park adult ticket now costs $63 before tax (it used to be $59.75). A child under 10 is $52 for a one-day pass. For Florida residents, a one-day adult ticket costs $56.70, up from $53.75.

There are discount ticket shops in the area if you want to drive around and find one before entering the park. Also, warehouse stores like Costco offer packaged tickets to theme parks, sports and recreational attractions like zoos, spas, and movie theaters as well. They have a listing for Disneyland tix. A four day pass for southern California residents is $119.

January 11, 2006

Five Star Living on a Two-Star Budget

Two friends and fellow writers have a new book out called Five Star Living on a Two-Star Budget (Harvest House Publishers). One of the authors, Margaret Feinberg, has shared many “cheap ways to” tips with me over the years (and was a contributor to the first book in our series called Cheap Ways To). Here are some tips from their new book. Check it out:

• pp 19 “Even if your bills are on auto pay, you should always review your monthly state-ments to check for excess or erroneous charges”

• pp 35 “Think diamonds are a girls best friend? Visit www.jemznjewels.com for gently used jewelry from companies like Tiffany & Co. and designer watches from companies like Bedat.”

• pp 106 “On some airlines, bump tickets or volunteer tickets actually have a higher priority when it comes to booking a reservation that using frequent flyer miles. So if you are trying to book a ticket with frequent flyer miles and there aren’t any available flights, use one of your free bump tickets-- you just may get the seat.”

• pp 133 “Panera restaurants nationwide offer free wireless in their restaurants. You can also find a comprehensive listing of wireless hotspots around the country at www.jwire.com

• pp 144 “One general rule of thumb when figuring out what house you can afford is that your housing costs should fall between 18 and 24 percent of your net monthly income.”

January 10, 2006

Hybrids Bring Tax Credit, but not Much Savings

A new energy bill that went into affect this year allows hybrid purchasers to file for a tax credit. This article says the 2006 break is better than the 2005 tax deduction because a credit directly reduces the taxes owed.

The IRS hasn’t assigned a dollar amount per car yet, but it looks like the Toyota Prius will have the most, with a possible tax credit of $3,150.

The tax credit is in affect until each manufacturer sells 6,000 hybrids. That will probably happen around April, the article says.

The requirements:

• The vehicle must be purchased in 2006
• It must be new
• It must be used or your own personal or business use
• You can’t turn around and resell it

Some states offer additional tax incentives and some insurance companies offer discounts to hybrid buyers.

But while hybrid cars may give you a tax break and save you some at the pump, over the course of the car’s life, you’ll end up paying more than you would for a regular gas-powered car.

This article features a study that showed how a Honda Accord hybrid could cost $3,800 more than a regular Honda Accord EX V-6 over five years. That includes the purchase price, maintenance and gasoline expenses.

Get smart and save money on fuel in other ways:
• Drive more gently; don’t accelerate aggressively or speed. By doing so, you can improve your gas mileage by 30%, according to driving tests by Edmunds.com.

• Consider diesel engines. They qualify for the new tax credits in 2006 as well. They get better gas mileage than regular cars because of their more durable engine. Plus, diesels have a higher resell value than gas-powered cars.

• Look to more fuel-efficient non-hybrid vehicles. Ditch the big SUVs and opt for a lighter car. You’ll sacrifice engine power, but what’s more important to you? Saving money or riding in style? Hopefully you can find a model of car that accomplishes both.

Twentysomethings: Quit Yer Complaining

Here’s a great editorial from Slate's Daniel Gross about two books that embody the “It Sucks to Be Me” mantra the twentysomething generation seems to be crying. The books, Generation Debt and Strapped say rising college tuition, a post-recession economy, the rising housing market and budget deficits are working against twentysomethings looking for a regular life and financial stability. Gross says these books are annoying because they lack perspective. This generation has more hope and opportunity and live in a healthier economy than many generations before. “Today's twentysomethings, by contrast, have their whole lives in front of them,” Gross writes. “Want a cheaper house? Quit Manhattan and move to Hartford, Conn. Want to make more money? Pick a different field.”

Basic Car Maintenance Saves on Gas

This article explains how basic car maintenance can improve your gas mileage.

• The easiest and fastest way to improve gas mileages is to replace your car’s air filter. You can get up to 25 extra miles from a tank of gas with a clean filter (the equivalent of 24 cents a gallon in gas). Cost: $10-$30

• A tune-up can give you an extra 100 miles (or about five miles a gallon). Cost: $90+

• Rotating your tires (and replacing them when needed) and balancing your alignment will improve your mileage as well, as uneven tires will cause your car to work harder. Cost: $75-400+

January 09, 2006

New Priceline Feature

Priceline.com has announced some upgrades and changes to their website. One of their new offerings is called PriceBreakers. The PriceBreakers page or email newsletter lists their best and lowest last-minute travel deals each day. It includes cruises, flights, hotel and other package deals.

January 06, 2006

Cheap Ways to Buy Food

Chances are food is one of your biggest daily expenses. An easy way to save $10-$15 a week is to limit and/or eliminate your visits to convenience stores. You can save hundreds of dollars a year by shopping at lower-priced food stores. Convenience stores often charge the highest price.

Have you ever thought about the price of bottled water in these stores when compared the price of gas? A bottle of water at a gas station typically costs about $1.20. Gas is about $2 per gallon. If you were to buy a gallon of Dasani, you could pay about $7.68 before tax. That makes high gas prices look like the deal of the week.

Spend less on food by reducing the times you eat out. The average person spent $2,276 a year on eating out in 2002. When do you do eat out, try to order water instead of a $2.25 beverage. When you shop, take a list and come armed with coupons and knowledge of that week’s sales from the store’s flyer. Websites including www.couponcart.com and www.coolsavings.com have free coupons you can download—double your pleasure by shopping at stores that honor double-coupon days.

Avoid buying prepared and packaged goods. Compare price-per-ounce costs of other units on the shelf. Stock up on items with lower per-unit costs (two pounds of carrots can cost $1.29, compared with $7.16 for the same amount of precut carrot sticks). When you find a great deal (like turkeys that are slashed in price after a holiday), freeze it until you can use it.

9 Cheap Wedding Tips

A friend of mine just emailed with the news she got engaged over Christmas ... Lots of folks get engaged during the season and plan for summer weddings. Here are some general principles to keep in mind when planning a wedding to keep your overall costs down. Afterall, the wedding is about getting married, not spending your life savings, right?

Nine Ways to Stretch Your Money

1. Pick a slower time of year (January, February or November)

2. Shop around and negotiate prices and packages with vendors. Don’t ever settle for more than you think you should be paying.

3. Get your hands dirty. The more you’re willing to do, the less you’ll end up paying. Get your friends and family in the act of addressing envelopes, folding programs, creating favors, and making a headpiece or a veil.

4. Limit the guest list. Most caterers charge per-person, so the difference between 100 guests and 150 is significant.

5. Shop anywhere but a traditional bridal salon for your gown. Think eBay, off the rack, or a local seamstress.

6. Consider "drop-off catering." The caterer delivers and sets up already prepared food. Or, have family friends cater the reception for you.

7. Ask friends to take photos at your bridal showers, rehearsal dinner, pre-ceremony and reception. Hire a professional only for the formal portraits and ceremony shots.

8. For your reception food, consider a buffet instead of a sit-down meal; or host a high tea; a dessert reception; brunch or luncheon instead of a multi-course meal.

9. Hire a local music student(s) if you’re set on having live musicians at the ceremony and reception.

Check out my upcoming book filled with more tips, Cheap Ways to Tie the Knot: How to Plan a Church Wedding for Less Than $5,000, releasing on Feb. 14. If you're in the Orlando area, come party with us Monday, Feb. 6, from 7:30-10 p.m. for the book's release at our offices. Email me for directions.

January 05, 2006

Assessing the New Year

It's that time of year to take inventory of your life, to look back at what you've accomplished and experienced in the past year and to look forward and proactively at the coming year. Here is an adaptation of some self-assessment questions a friend sent to me. Use it to get motivated about making this year your best financial year ever.

1. What is the biggest lesson I've learned over the last year about my finances?
2. What is my most important financial need at this stage of my life?
3. This time next year, what would I like to see different in my finances? In other words, what's my vision?
4. What have I been procrastinating about?
5. How could I make more of a positive difference in the lives of others with my wealth in the next 12 months?

January 01, 2006

Leave the Tailgate Up for Better Gas Mileage

My husband and I are watching Mythbusters on Discovery ... they're testing the myth of the tailgate down vs. tailgate up as it relates to gas mileage for trucks. The myth is that you'll get better gas mileage with the gate down (the thinking is that it makes the truck more streamlined). They tested it two ways and found that the myth is false.

Leaving the tailgate down actually creates major drag. With the gate up, air gets trapped in a circulate motion bubble in the bed and actually creates a streamlined flow of air. When the gate is down, the bubble is lost and the air falls right on the gate, creating major drag. Their tests showed that you could get 30 more miles on a tank of gas with the gate up.

Cheap Packing Materials

Anyone who's ever tried selling stuff on eBay knows packing material can eat your profits faster than you can say "auction ended." A tip sent in to the December 2005 issue of Budget Living suggests keeping catalogs and magazines and shred them to create filler. It's fast and free.

Financial New Year’s Resolutions

Don’t bite off more than you can chew when it comes to resolving to get your finances in order this year. Before your plan your financial path, you have to get knowledgeable. Set baby steps, like reading financial magazines, books or websites to start educating yourself about money, saving and finances. Also, financial radio talk shows are great—Clark Howard is on while I’m driving around town on my lunch hour. You can also stream radio shows or podcasts from the Internet and iTunes to listen to in the background at work or at home.

There is no quick fix. Resolve to read one hour a week and to review your own finances 30 minutes a week. The steps you need to take to eliminate debt and build wealth will become obvious once you start reading the right material.

Recommended Reading
Magazines/newspapers: The Wall Street Journal, Kiplinger's
Books: The Rich Dad/Poor Dad series, anything by Dave Ramsey or Mary Hunt (Debt-Proof Your Marriage)
Radio: Clark Howard
Websites (others than yours truly): Bankrate, Fool, finance.yahoo and finance.cch

Skip the Coin-Counting Fee with Gift Cards

You can avoid paying the coin-counting charges at Coinstar kiosks now by opting for a gift card instead of cash. When you cash in your coins, you pay 8.9 cents for every dollar counted, but through their new program, you can choose gift cards and e-certificates instead from: Starbucks, Amazon.com, Pier 1 Imports, Hollywood Video, Linens 'n Things or Borders.

How to Skip the Coin Counting Fee at Coinstar Centers:

1. Select Prepaid Card from the main menu.
2. Select the Gift Card or eCertificate you'd like.
3. Select new card or reload.
4. Follow the on screen directions to get a new card from the machine or to reload your existing card.

Keep the Change

My husband and I have little change containers on our nightstands. Each day we dump our loose change we gathered during the day (we always pay with bills and never spend the change). The change collects until we have a trip planned. We use the money we saved to board our pet at the kennel. This way we don't feel the extra financial blow. It's a fun way to save.

You can try it by:

1. Use cash instead of your ATM card for every purchase.
2. Use only bills to pay for your purchases and keep your change (avoid vending machines at work!).
3. Designate a convenient location or two to store the change as it piles up.
4. Purpose the money toward a goal (a night on the town, new clothes, traveling, gifts, home improvement) and assign it a timeline (three months, your next trip, friends' birthdays, etc.)
5. Take your change to a coin-counting machine at a local grocery store (We use Coinstar, www.coinstar.com, which charges 8.9 cents per dollar counted unless you opt for a gift card) or roll the coins and take it to the bank if you have the time—we sure don't.
6. Enjoy the fruits of your labor! (We'll always shocked by how much money we've saved.)

December 30, 2005

The Most Wonderful Time of the Year: Clearance Season!

I love to receive gift cards for my favorite clothing stores for Christmas. Instead of my mother or mother-in-law picking out a sweater I may or may not like (and will most likely not wear in the Florida heat), I get a little piece of plastic that allows me to spend it on whatever my little heart desires. Unfortunately, gift cards burn in my hands like hot potatoes—I cannot wait to spend them. Fortunately, end of the season clearance happens right after Christmas. The clearance season is the most wonderful time of the year (not Christmas). The clothes that I’ve longingly looked at in catalog after catalog now become attainable—not just because I have a gift card to the store, but because they’re finally marked down to semi-reasonable prices (don’t just buy clothes on sale, but them on clearance, which should be 50% to 75% or more off retail). The Christmas gift card always comes at just the right time. Happy Holidays, indeed.