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Deals That Are Nifty by Sister Thrifty

Deals That Are Nifty by Sister Thrifty

Great Steals and Deals around town and online to save you the big bucks and help you keep more of your hard-earned money!

Sunday, November 27, 2011

Cyber Monday Mahem

   

While I’m not one to stand outside a store at 4:00 am for Black Friday bargains, I definitely get excited about “Cyber Monday.” Why? Because I can get great prices from the comfort of my home by shopping online!


Cyber Monday has become so popular and a part of our Christmas shopping lexicon that it’s even in Wikipedia now. The term Cyber Monday refers to the Monday immediately following Black Friday. Whereas Black Friday is associated with traditional brick and mortar stores, Cyber Monday symbolizes a busy day for online retailers. The premise was that consumers would return to their offices after the Black Friday weekend, making purchases online that they were not able to make in stores.

Each year www.walmart.com offers some of the best bargains and this year they’re in a price war with www.amazon.com I love that! Some of the common discounts include free shipping and percentages off the sales price. While I love going inside a real store and being able to touch the merchandise and get my picture taken with Santa, I REALLY love being able to stay home and shop in my pajamas!

Below are some really great web sites where you can see at a glance which retailers are offering discounts this year:

www.cybermonday.net

www.cybermonday.fm/

www.offers.com/cyber-monday/

www.cybermondayonlinedeals.com

www.dealtaker.com/cybermonday

www.visa.com/cybermonday

www.target.com/cybermonday



One of the great advantages to shopping online is that you can ship directly to your gift recipient, saving you hours of packaging presents, driving in crazy traffic to the post office, and standing in long lines during the busy holiday season! Some stores will even allow you to "double dip" which means you can stack discounts. Before you purchase anything online, remember to do an online search of the name of the store you're interested in buying from, along with the words "discount code" and you'll be pointed towards sites that give you special codes to use in the shopping cart to save even more money!

Some of my favorite discount code web sites are:

• www.currentcodes.com

• www.Couponcactus.com

• www.retailmenot.com

• www.couponcabin.com

• www.couponchief.com



Each year consumers spend more than $80 billion shopping on the Internet. It’s fast. It’s easy. No crowds. No searching for parking spaces. And who doesn’t love shopping in their pajamas? Unfortunately, one out of ten adults reported being victimized by online fraud in 2011, so you definitely need to be careful. Computer security experts have come up with some shopping tips to help protect you from cyber crime.

1. Investigate the vendor. Check the site for refund policies and contact information. It only takes a minute to review a company’s track record at www.bbb.org (Better Business Bureau).

2. Protect your private information by never giving financial information by email.

3. Start a paper trail. Print online receipts, product information and email confirmations.

4. Choose carefully where you shop. Only shop online at sites that provide password protection and encryption. When you see “https” you know the site is secure.

5. Protect your computer with antivirus software and firewalls.

The Internet has also made the world a much smaller place. There might be a company in Wisconsin who has exactly what your son’s school needs but can’t afford. www.throwplace.com is a great resource where charities, businesses, and individuals donate items and can get free items in return! Be sure to sign up your kids’ schools or your church!

The holidays are a busy time to be sure. Remember to pause and reflect on what’s truly important. Toss the guilt if you can’t buy the expensive gift for others that you wish you could. There is no shame in writing up some of those hand-made gift coupons, good for one back rub or car wash. People on their death bed never say they wish they had that gadget; rather, they often express regret for not having spent more time loving and serving others.

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Friday, September 02, 2011

Celebrating National Coupon Month Just Makes Cents


Celebrating National Coupon Month Just Makes Cents

Some people call me the Coupon Queen.  My kids even laugh at me and say if the house were on fire and we needed to flee to safety that I’d grab my coupon box before leaving.  We pretty much only go out to dinner if we have a coupon to use and yes, I even have one of those cute fabric coupon holders I take into the grocery store.  So, maybe I’m a Coupon Geek, rather than a Coupon Queen.  I actually have three coupon boxes: one in the house and one in each car.  I do love me some coupons!  J  
Despite all of the mocking I get for being thrifty and always using coupons, studies now reveal that 72 percent of shoppers have turned to the dark side…well, uh….the coupon side.  Today’s troubled economy has more consumers thinking twice to pay full price.  More and more people are converting to couponing and since 1998, September has been declared National Coupon Month.  The first coupon was handwritten in 1886 by Coca-Cola. Smart company.

TLC even has a show now called “Extreme Couponing.”  Have you seen it?  You’ll be inspired!  According to Nationalcouponmonth.com, 20 minutes a week of clipping and clicking online for coupons could save you over $1000 annually.  Sometimes a lot more.  True story…

I had just given birth to our third son and knew we were outgrowing our first home quickly.  I drove around town looking at homes for months, trying to find the perfect house and neighborhood for my growing family.  I fell in love with a particular home, but wanted to make sure it really was the right place for us.  I prayed about it and the next weekend I saw a coupon in the newspaper for $5000 off homes being sold by that particular builder.  It was like a sign!  I just knew that a house I could purchase with a coupon had my name written all over it!

Budgetsaresexy.com has listed the reasons why coupons are awesome as:
1.      You save money!  (My mantra is “Never pay full price!”)
2.      Instant fun family activity!  (We clip while watching TV.)
3.      You can feel accomplished and proactive about reducing your grocery bill.  
4.      Potential to find a good product that you might not otherwise have used since you are more likely to buy it with a good coupon!  Oh the places you’ll see…

I think I’ll add to the list that food always tastes yummier when you get it with a discount!  Movies are better with a discount!  Excursions are more fun with a discount!  You just feel smarter and more in control of your money when you can pay less for something than the average consumer.

Bulk coupon buying is now all the rage with web sites like Groupon and Living Social.  I’ve saved quite a bit of money on local deals, but please heed the warning that you need to use the bulk deal before they expire.  Thankfully, as usage and complaints have risen, these companies are now changing their policies on strict expiration deadlines.

Sprunk.com lets consumers sell unwanted daily-deal offers online. CityPockets.com charges $1 plus 8% of proceeds; DealsGoRound.com takes 10% of proceeds. Both sites feature a digital wallet to help you organize daily-deal coupons.  There are even several sites that allow you to create your own daily deal web site as your own business.  Couprecoup.com is a listing service where you can find local steals and deals online for free.   I love free.  It’s even better than a coupon!  I’ll tell you more about how to get tons of stuff for free later in another article!

Everything is going mobile now and the new QR codes allow us to scan digital coupons while we’re standing in the checkout aisle!  Last month I got a free bag of popcorn at my local Regal theater for showing a special QR code when I texted the word “popcorn” to 35350.   Use your cell phone’s browser to go to: http://popcorn.yahoo.net  for instructions. Movies taste even better with free popcorn!

We’ll see more and more of that as retailers catch on to mobile marketing, which is going to be HUGE.  Target now texts me coupon deals.  Become the “Mayor” of your favorite local restaurant, using www.foursquare.com and you’ll get special discounts. 

Every penny counts these days.  Remember the big ticket items too!  Some people are great at clipping coupons to save fifty cents on a can of fruit in the grocery store, but then they expect to pay full price on furniture or a computer.  When searching for big ticket items, check out these web sites which allow you to compare prices:

·         www.consumersearch.com

·         www.dealtime.com

·         www.lowermybills.com


Would you believe they actually have an entire web site dedicated to National Coupon Month?  Yep, it’s www.ilovecouponmonth.com    You’ll find some helpful tips, great resources and even consumer statistics that prove couponing is making a comeback.  Hey, maybe that means we’ll see more people carrying those cute fabric coupon holders in the grocery store now.  By the way, you can purchase them at: 
 http://store.yahoo.com/cgi-bin/clink?yhst-16865137593772+PqhYS2+index.html+sisterthrifty    
and    www.4bestbargains.com     They both offer super cute designs.

A web site I particularly like for grocery coupons is www.grocerysmarts.com because it analyzes the grocery deals closest to your home.  Great news about those expired coupons…send them overseas to military bases where they can be used for up to six more months!  Is there a Dunkin Donuts in Afghanistan?  Well, most military bases have a “Commissary,” which is a grocery store and the other is the PX or BX, which is more like a Wal-Mart that carries pretty much everything else.  Our wonderful soldiers and their families need coupons for both food and non-food items.  Please bundle your coupons into those two categories into baggies and mail them to:

KCL Overseas Coupon Program
Amanda Brumbaugh
10960 W Bridgetower Drive, Boise, ID  83709


Some other fun couponing sites I like are:

·         www.couponmob.com

·         www.couponcactus.com    (Receive $3 when you sign up with ID 148775)

·         www.thekrazycouponlady.com

·         www.dailygrocerycoupon.com   

·         www.coupons.com

·         www.couponmom.com

·         www.valpak.com

·         www.couponnetwork.com

·         www.couponcabin.com

·         www.coolsavings.com

·         www.freecoupons.com

Using your time and money wisely empowers you to take control of your finances, and stay UP in a DOWN economy.  Happy National Couponing Month!

CENTSerely,

Sister Thrifty  (a/k/a  Trina Boice)

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Sunday, November 21, 2010

Giving Thanks



Here in America we’re gearing up for Thanksgiving this Thursday.  What that means, to all of you readers outside the country, is that women across this land are stressing out about Turkey Day grocery shopping, house-cleaning, decorating, recipes, party games, transportation of family members, dinner conversation etiquette and all of the other things on our “To Do” list to be prepared for the big day.

Of course, what Thanksgiving REALLY represents is an opportunity to fill our homes with people we love and express thanks for all that we have in our lives.   How wonderful to have an opportunity to pause and reflect on the good things that surround us, especially when the world has been focused so much on the bad news lately.   I am thankful for the mess to clean after a party because it means I have been surrounded by friends and family!

There are plenty of simple things we can all do to reduce the holiday stress and enjoy the “reason for the season”:

  1. Have a plan and get organized.
  2. Make a list of everything you need and then shop early.
  3. Prepare as many of the food dishes as you can ahead of time so that you spend less time in the kitchen on the big day.
  4. Simplify the menu.
  5. Defrost the turkey with plenty of time to spare!
  6. Restaurants and grocery stores can help out your time crunch when you purchase some of their prepared foods….guilt-free.
  7. Organize some crafts and activities to keep the little ones busy and happy.
  8. Plan an after-dinner activity.
  9. Don’t try a new recipe for the first time.
  10. Clean the oven before the big day of cooking so the food doesn’t get any odd flavors.
  11. Guests often want to be helpful, so don’t be shy about assigning tasks.
  12. Enjoy!    There is no use sweating the small stuff…and this is all small stuff.  

Years from now, people may not remember what food was served, what words were spoken, or even what they did on Thanksgiving Day, but they will always remember how they FELT.  Fill your home with love, kind words, and lots of gratitude.

Thanksgiving can really be broken down into 2 parts: Thanks and Giving.  Fill your Turkey Day with both!

Below are some really helpful web sites that will make your tasks easier and even a little more fun and they’re all FREE!

http://www.sirius.com/thanksgiving     Free Thanksgiving cooking hotline

http://www.theholidayspot.com/thanksgiving/games/       Everything Thanksgiving!




http://www.tnpsc.com/thanksgiving.htm    Thanksgiving screensavers




http://www.kate.net/holidays/thanksgiving/    Thanksgiving decorations

http://www.mes-english.com/flashcards/thanksgiving.php   Thanksgiving flashcards & worksheets



Have a WONDERFUL Thanksgiving this year!

CENTSerely,

Sister Thrifty
a/k/a    Trina Boice

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Wednesday, July 14, 2010

Staying Cool Makes Cents



Can you believe this heat?  The nation is experiencing a heat wave on the east coast and since I live in Las Vegas, I'm ALWAYS experiencing a heat wave in the summer here!  Nobody enjoys overheating in the summer, but overpaying on your cooling bills can really make you break out into a sweat. Air conditioning is often the most expensive utility in the home, and inefficient cooling can consume as much as 50% of your monthly utility bills. Making small changes to your living habits can save significant amounts of money on your cooling bills without compromising the comfort of your home.  Here are some "cool" tips from a friend of mine named Billy who loves saving money as much as I do!
  1. Use a fan to help circulate the cold air. A fan costs only 2 to 5 cents per hour to operate and can drastically improve air comfort in your home. Studies show that fans can cool a room by as much as 4 to 6 degrees. Fans can also be used simultaneously with air conditioning to circulate the cool air. If you are purchasing new fans, make sure to select energy-efficient fans which will further reduce your costs.
  2. Set your thermostat as high as possible. It goes without saying that the house needs to be cool- but it doesn't need to be an icebox. Keeping your thermostat set as high as possible (so that the house is still cool) will decrease the amount of energy needed to run the air conditioner which will directly decrease your cooling bills.
  3. Install a programmable thermostat. An easy way to save money on cooling bills is to program your thermostat so that the temperature is higher when nobody is home. Test your comfort with the thermostat at 85 degrees when you're out and 78 degrees when people are at home.
  4. Change your habits. Keeping your shades closed will keep the sun out and keep the house cooler throughout the day. Cellular shades with multiple cells are especially efficient for blocking the sun. In addition, make an effort to turn off all lights when they are not necessary, as lighting has a tendency to heat rooms, which will cause the cooling system to work harder. Consider replacing incandescent light bulbs for fluorescent bulbs which are cheaper to run and produce less heat. Finally, take care to properly vent your kitchen or open the windows when you are cooking, as extra steam or warm air from the oven will reverse the effects of your air conditioning.
  5. Creating shade outside your home is another great way to keep the house cooler. If you have a yard or garden, consider planting a shady tree near your windows. In addition to providing a lovely view from inside the home, a tree will directly protect your home from the sun.
  6. Check for leaks and poor insulation. Drafty windows will let in hot air during the summer (and cold air during the window). Similarly, inefficient insulation will prevent the cold air from staying properly in the home. Check your windows for leaks and plug up any gaps that you find with weather stripping. Invest in new insulation if yours has thinned out, as this will save you money on both heating and cooling bills.
  7. Clean your air conditioning filters. Clean air filters will create a dramatically more efficient cooling system. Make sure to check your filters at least once a month and to change them if they seem dirty.
  8. Close air conditioning vents in empty rooms. If you know that certain rooms in your home are under-utilized, close the air vents in those areas. This will enable the cool air to circulate more efficiently in rooms that are being occupied, which will cut down on cooling costs.
  9. Use an energy-efficient cooling system. If you're still using an antiquated cooling system, it may be time to update your system. After the initial investment, an energy-efficient cooling system will pay for itself, and will also be better for the environment. Consider a cooling system with an energy-saver mode, which monitors the temperature and adjusts itself whenever possible to save you money.
  10. Vent the attic. Few homeowners stop to think about how the temperature of the attic can affect the comfort of their home. In fact, an attic that is not vented properly can reach up to 150 degrees, which will slowly permeate into the rest of the house and make it more difficult to cool. At the very least, make sure that your attic is properly vented. If possible, install an attic fan to circulate the air and keep the area as cool as possible.
Stay cool!
CENTSerely,
Sister Thrifty    (a/k/a   Trina Boice)

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Friday, October 30, 2009

Varying degrees of success...

 


Ever wonder what it takes to succeed at something? I stumbled across the list below and got a real kick out of some of the college degrees famous people have earned. Some will surprise you:   










Adam Sandler    -   Fine Arts
Alex Trebek     -  Philosophy
Andy Griffith    -   Music
Angela Bassett   -  Drama
Arnold Schwarzenegger   -  Physical Communications Art Garfunkel
Barbara Walters  -   English  
Barry Manilow    -   Music
Bill Clinton    -   Foreign Service
Bruce Lee   -   Philosophy
Cindy Crawford   -  Chemical Engineering
Clarence Thomas  -   English
Colin Powell   -  Geology
Conan O'Brien   -  American History and Literature
David Letterman   -  Telecommunications
Dick Cheney  -   Political Science
Donald Trump   -  Economics
Garth Brooks   -  Journalism/Advertising
George Clooney   -  Broadcasting
George W. Bush   -  History
Harrison Ford   -  Philosophy
Janet Reno   -  Chemistry
Julia Roberts   -  Veterinary Studies
Kevin Costner   -  Business Administration
Margaret Thatcher   -  Chemistry
Michael Crichton   -  Anthropology
Michael Jordan   -  Cultural Geography
Mick Jagger   -  Economics
Will Ferrell   -  Sports Information
Willard Scott   -  Religious Studies 


So, why did I want to share these with you today? Because I wanted to make a few points. You'll notice that some of the famous people listed above went on to achieve great things in their chosen field, while others did something completely different from their educational pursuit. You may have travelled down one of life's paths, planning for a specific destination, only to find that it wasn't what you thought it was going to be.  

You may be currently working in a profession that you don't enjoy or one that simply doesn't pay as much as you thought it would. You may even be out of a job right now.  Or you may have set aside your occupation for a time in order to stay home to raise your children.   I know that in between diaper changes you often ask yourself if you're succeeding at anything.  I've learned that, despite your best plans, life throws lots of twists and turns at you. 

Whatever education or training you’ve had in the past has probably prepared you to be the great homemaker that you are today.  It involves economics, housekeeping, time management, operations, banking, taxi driving, cooking, and juggling dozens of other tasks!  A happy home takes real work.  One of my favorite quotes is "No other success can compensate for failure in the home."

Look at that list above again. Wow, who knew Cindy Crawford had beauty AND brains?! What did it take for those people to succeed? Persistence. Talent. Time. Hard work. Tenacity.  You have all of those things too!  Another diaper.  Another day. You can do this!

Now, to reward you for all that you do, enjoy this week’s freebies from companies who recognize how great you are:

Free Bagel Fridays from Noah's (Expires 11/3)
Print coupon and get free bagel at Noah's on free bagel fridays before 11am (This reusable coupon is good until 11/3/2009)

http://email.metsource.com/Einstein/4409_Noahs_10_21/



Random Samples from Ritter Pen
Request catalog or random samples. Simple form.
http://www.ritterpen.com/CatalogRequest.htm

New Olay Total Effects Anti-Aging Body Wash Sample

Get a free sample of new Olay Total Effects Anti-Aging Body Wash from P&G brand Sampler.

https://www.pgeverydaysolutions.com/pgeds/olay/brandsampler-login.jsp


Become EcoSMART Product Tester
This is a new promotion from EcoSmart: The First 1,000 to Comment (Starting 10/21/2009) Will Become EcoSMART Product Testers! EcoSMART is the world leader in organic pesticides and bug sprays.
Visit this offer and leave a comment on their blog.

http://blog.ecosmart.com/index.php/2009/10/20/theres-nothing-quiet-like-the-fire-beetle/


Free Subscription to Creative Ideas Magazine from Lowe's
Receive Lowe's exclusive bi-monthly printed publication full of great ideas for your home and garden.
http://www.lowes.com/lowes/lkn?action=pg&p=Signup/mag_signup.html

Free 8x10 portrait at Target Portrait Studio
Printable coupon for a Free 8x10" portrait at Target Portrait Studio. No sitting fees.

http://sites.target.com/site/en/spot/page.jsp?title=ptstudio_four_coupon

Free TLC CHEWY Bar Sample from Kashi
Allergen Information: Kashi
� TLC� Chewy Trail Mix Granola Bars contain wheat, almond, soy, peanut and milk ingredients, and may contain traces of other tree nuts.

Fill out the form for your free sample of Chewy Trail Mix Granola Bar.

http://ad.doubleclick.net



Complimentary Subscription to Islands Magazine
Added: 10/23/2009 in category: Magazines
Islands magazine focuses on the islands of the world from the major travel destinations. It explores island lifestyles, culture and history through its regular departments. Features specifically cover such island-related topics as the arts, food, sports, nature and books. This subscription to Islands was purchased on your behalf by Restaurant.com and available at Valuemags

http://www.valuemags.com/freeoffer/freeoffer.asp?offer=Islands-RDC.asp


32 Free Classroom Magazines
Added: 10/21/2009 in category: Magazines

You may get up to 32 different magazine samples for free

http://teacher.scholastic.com/products/classmags/sample.asp



Free Food for Veterans at McCormick and Schmick's (11/08)
Added: 10/21/2009 in category: Food
"To Veterans Who Have Served in War and Peace" On Sunday, November 8, 2009, Veterans may receive a COMPLIMENTARY entree from a special menu.

http://www.mccormickandschmicks.com/featured-promotion/Veterans-Appreciation-Day.aspx



Free Admission to Comedy Central Show (NYC)
Added: 10/21/2009 in category: Free Stuff
The show will tape November 4th through November 9th, 2009. Select a ShowTime and register.

http://www.ocatv.com/shows/show/26



Free Sample of a New Granola Nut Clusters
Added: 10/24/2009 in category: Free Samples
Get a free Nature Valley trail mix bar plus a new granola nut clusters when you sign up for the Eat Better America newsletter.

http://freesample.naturevalley.com/NatureValley/Default.aspx

Free Sample of EverPure from Loreal
Click on EverPure image and sign in or register. Various coupons and sweepstakes available also on the same page.
http://www.lorealparisusa.com/_us/_en/default.aspx#/?page=top{userdata//d+d//|diagnostic|main:mylorealoffers|media:_blank|nav|overlay:_blank}


Free $5 Coupon for Neutrogena's Complete Acne Therapy System
Register to receive a free $5 coupon for Neutrogena's Complete Acne Therapy System
https://acnekit.neutrogena.com

Free TENA product samples
Select TENA Protective Underwear, TENA Briefs, TENA Serenity Light Pads, TENA Male Guards or TENA Underpads.
http://www.tenahomecare.com/lalo-sample-order-form/index.htm

100k Chocolate Dipped Fruit Giveaway (facebook)
Edible Arrangements is giving away 100,000 boxes of their chocolate dipped fruit. The coupon for the FREE box of dipped fruit will be delivered to your email within 1-2 days of your submission. It does not happen instantly. This offer is on their facebook fan page. Promotion ends 11/16/009
http://www.facebook.com/dofruit?v=app_172875521384


CENTSerely,

Sister Thrifty

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Friday, May 02, 2008

101 ways to shave $$$ off your food costs




Hi everyone!
Life has been more than crazy busy, so I haven't written a "Sister Thrifty" newsletter in quite awhile. Sorry about that! Food prices have been increasing all of the world and just this week we're hearing about riots in Haiti and Egypt where there is a frightening shortage of food. I found a terrific list of 101 ways to stretch your food dollars that I wanted to share with you. It was written by Valerie Phillips at Deseret News:

Food prices are going up. But here are lots of ways — 101 of them — to shave off pennies, dimes and dollars from your food costs.
Not every tip fits every situation. A vat-size container of salad dressing is cheaper per ounce, but not if it sits in a single person's fridge for months on end. Remember, the most expensive food you can buy is the food that goes to waste.

Before you go

1. For a week, track what your family actually spends on food. Don't forget to include work lunches, restaurant meals, vending-machine snacks and convenience store stops. These add up quickly.

2. Have a plan. Jot down simple dinner menus for the week, using the weekly grocery store ads so you can take advantage of what's on sale that week. Having a plan ends the 5 p.m. "what's for dinner?" plight.

3. Make a shopping list from your menu. Having the ingredients you need for the week eliminates extra trips to the supermarket, where more incidental items can end up in your grocery cart.

4. To save time, compile a basic shopping list of things you usually buy on a weekly basis, such as milk, lettuce, etc. Organize the list by the store layout and make lots of copies. Then each week it's just a matter of penciling in the extra ingredients from your menu.

5. Get out of the dinner rut. Check out cookbooks or magazines from the library or attend local cooking classes for new ideas.

6. For low-cost, nutritious recipe ideas, check the Food Stamp Nutrition Connection at recipefinder.nal.usda.gov. The recipes have cost-per-serving and nutrition data.

7. Consider making from scratch many of the things you usually buy in prepared form, such as brownies or salad dressing.

8. Time is a valuable resource. It's usually not worth the time (or gasoline) to hopscotch from store to store to save a few dollars.

9. Consider the advantages when you choose where to shop. Some stores offer credit cards with rebates, discounts on gasoline, special coupons and so on.

10. Club warehouses can save money, but be judicious. Can you use 18 cartons of yogurt at a time? Often you can find similar good buys and a better selection at a regular grocery store

11. Sometimes you're lured into buying things that lose their appeal and end up sitting on the shelf. To cure yourself of impulse shopping, every so often force yourself to make a meal out of those items in the cupboard.

12. Consider group strategies. A neighborhood group or extended family might save by buying in bulk directly from wholesalers and farmers.



Shopping

13. Try shopping with cash, taking only an allotted amount to the store.

14. Statistics indicate that people buy more when they are hungry or accompanied by others, especially children. (However, grocery shopping can be a good learning experience for kids; let them find all the coupon foods and comparison shop with you.)

15. Don't dawdle. The longer you're wandering through the store, the more chance of impulse buys.

16. Avoid convenience stores. They have higher prices and very few specials.

17. Guard against nonfood impulse buys that could end up in your cart, such as the latest DVD, perfumes or toiletries. Do you really need them?

18. Limit trips to the store. Multiple trips usually mean more incidental items added to the cart.

19. Try "catch-and-release" shopping with high-end items. Put that bottle of name-brand, extra-virgin olive oil in the cart, and while you finish the rest of your purchases, ask if it's something you can live without. Then before you check out, put it back on the shelf. After all, dreaming is free. (However, if you end up convincing yourself to buy these things, or you forget to put them back, this method isn't for you!)

Coupons

20. Use the coupon inserts in your Sunday newspaper ads.

21. To maximize coupon savings, use resources such as Pinchingyourpennies.com, the Grocery Guru at www.gurusdeals.com, or Couponsense.com, which help you to coordinate coupons with sales at local grocery stores. By using the coupon with the sale price, you can get items for a fraction of the cost.

22. Multiply the savings. Some people take multiple Sunday newspaper subscriptions for the coupons, and you can also ask your neighbors or relatives for the coupons from their paper.

23. Check other sources for coupons: the "blinkies" in the red boxes on grocery store shelves, home mailers, "peelies" that are peeled off the product itself and printables off Web sites.

24. Be wise about coupons. Sometimes a brand name with a coupon is still more expensive than a generic brand. And resist buying things you may not use just because you have a coupon.

25. Some grocery stores match competitor coupons if you have the advertisement with you.

26. Organize your coupons so you can use them efficiently. Bonnie Childress of Ogden uses a three-ring binder with clear photo pages or baseball card pockets. Others use a filing box and take out the coupons they will be using and clip them to their shopping list on their way to the grocery store.

27. Send in rebates. Teri Radmall of Eden puts all the money she receives from rebates in a separate account, and she's now up to $200.

Cereals & baked goods

28. One reason people avoid buying cheaper bagged cereals is because they're hard to store and pour. Store them in a plastic pitcher with a pour spout.

29. Consider how much you can save by cooking whole grains for breakfast instead of cold breakfast cereal. Homer Cook of Layton said as a welfare volunteer, he helped a single mother of three cut her breakfast costs from $1,000 per year to $58 per year by cooking cracked wheat (based on Honeyville Grain prices).

30. Buy whole-grain cereals and breads. They're more filling, so you are satisfied with less. And they're better for you.

31. Go '90s retro and pull out your old bread machine. Besides bread, it can be used for rolls and pizza dough.

32. Make croutons or bread crumbs from day-old bread or hotdog buns. The crumbs can be seasoned and used as a "shake-and-bake" chicken coating.

33. Seek out day-old bread "thrift" stores. But be wary of the temptation to overbuy empty calorie items such as cupcakes, potato chips and doughnuts.

34. Bake a batch of muffins from scratch for on-the-go breakfasts. Even if you use a mix, you'll still save over bakery prices.


Produce

35. Buy fruits and vegetables in season when they're cheaper and taste fresher. When compared to the price per pound of meat, cheese, chocolate, etc., they're a nutritional bargain.

36. If you're preparing a commercial meal kit (such as Hamburger Helper or a frozen pasta dinner), toss in a few more vegetables. Chopped bell peppers or celery, and frozen broccoli or peas add color, flavor and nutrition to what is usually a lot of starch, sauce and salt. They can also stretch the meal into more servings.

37. Ready-prepped veggies cost more but may be worth it if you actually use those peeled carrots or sliced mushrooms. A huge percentage of fresh produce goes to waste sitting in refrigerators.

38. A pound bag of chopped iceberg lettuce salad costs more (about $2) than a head of iceberg lettuce (approximately $1 per pound) that you clean and chop yourself. But if bagged salad greens keep you from buying restaurant salads, there's still a savings.

39. If lettuce prices are up, vary your veggies. Consider cabbage, spinach, carrot or broccoli salads.

40. Grow your favorite herbs year-round in your kitchen window. It's convenient to be able to cut a few sprigs as needed, and packets of fresh herbs can cost $1.50-$2 in grocery stores.

41. If you're not up to planting a garden, add a few strawberry or tomato plants to your flower beds. You have to weed and water them anyway. Or add a fruit tree to your back yard.

42. Yellow onions are often 40 cents to 50 cents less per pound than red (purple) onions.

43. When your favorite fresh vegetables are offseason, look for canned and frozen versions. Do the math and figure out which offers the best price per serving.

44. Beans are an inexpensive protein. Add them to tacos, casseroles, salads, etc., so you can use less meat.

45. Dried beans, per cooked serving, are often less than half the price of canned beans. But they take a lot of time to cook. Soak a batch overnight in your slow cooker on low heat, then portion and freeze for later use.

46. Vegetables frozen in butter sauce usually cost more than plain frozen vegetables, and they have more fat and calories.

47. Price fruits with an eye on the cost-per-edible serving. If you are buying by the pound, you are also paying for any inedible seeds and rinds.

48. When buying fresh greens by weight, be sure to shake off the excess water before you put them in your cart. Water hidden in between the leaves adds weight and raises the cost.

49. Serve a vegetable "medley" when you have small amounts of several different vegetables. Mix together and microwave, and top with a little cheese or a sprinkle of nuts.

Dairy

50. Unless you buy powdered milk in bulk for a price break, you won't save money over fresh milk. On a recent shopping trip, the Deseret News found that a box of generic-brand powdered milk that yields 31 cups of milk was $6.49. If you can buy fresh milk at $3 a gallon, you can get 32 cups for $6.

51. Buy a large container of yogurt and divide it into portions yourself. A 32-ounce container, at $2.79, yields four 8-ounce portions at 34 cents a serving. The same brand in single-serve containers was 50 cents each.

52. Milk fat costs. You can often save about 10 cents to 20 cents per gallon by dropping from 2 percent to 1 percent or skim.

53. If you use margarine instead of butter to cut costs, don't use anything less than 100 percent margarine for baking. The lower-fat spreads have water and fillers that bake up poorly (and when poured over popcorn turn it to mush). Real butter is approximately $4 per pound; 100 percent margarine (such as Nucoa) can be $1.50 to $2 per pound. Save the less-expensive spreads for your toast.

54. Consider home delivery of milk and bread. It costs more, but it might save on extra trips to the store.

55. There is no nutritional difference between brown and white eggs; it has more to do with the color of the hen. White eggs usually cost less.

56. Freeze butter to keep its fresh flavor. Grate it, frozen, over toast, baked potatoes, etc. for portion control.

57. Finely shred cheese when topping pizzas, grilled ham and cheese, etc. You'll use less.

Meat

58. Unless they're on special, breasts are the most expensive part of the chicken. Boneless, skinless thighs offer the same convenience for less, and dark meat is more moist and flavorful anyway.

59. Take a cue from restaurant chefs who can make a small portion of meat or chicken look plentiful. They slice it thinly and fan out the slices on top of a mound of rice or potatoes.

60. Tough cuts of meat are usually cheaper. Place a beef brisket in you slow cooker in the morning and by dinner time you'll have tender beef (and a tantalizing aroma in your kitchen).

61. Don't throw out your bacon drippings. Some suggestions from Every Day With Rachael Ray magazine: Stir it into grits, use in place of oil when popping popcorn, saute bread cubes in it for croutons, add to cornbread batter, add to barbecue sauce and brush on ribs or chicken while they're cooking.

62. Compare meat costs by servings, not pounds. Bony meats are cheaper per pound, but they yield less edible meat per pound.

63. Likewise, a large store-cooked rotisserie chicken at $6 is cheaper than buying a raw, 5-pound whole raw chicken at $1.30 per pound and cooking it at home. As a bonus, you can use the carcass and bits of meat on the bones to make chicken broth.

64. Although the price of eggs has nearly doubled in the past year, a $2 carton of eggs can still supply a protein-rich meal for a family of six. Scramble them with leftovers such as chopped ham, crumbled bacon, chopped peppers, onions and so on.

65. Buy ground beef in bulk quantities to get a better price. When you get home, divide meal-size portions in zip-lock bags and freeze.

Canned goods

66. Big cans are often cheaper, but not always. Check the price per unit guide on the grocery shelf, which shows the cost per ounce. Also, consider how you use the product. If you buy a big can of tomato sauce, use a little and end up wasting the rest, you're better off buying the small can in the first place.

67. What to do with the last of the jam or jelly jar: Pour in some milk, refrigerate for a little while to loosen the jam stuck to the jar sides, and shake into a flavored drink.

68. Generic brands can save money. But try one can first before you invest in a whole case to make sure it appeals to your family.

69. Stockpile pantry items you normally use, such as spaghetti sauce or pasta, when they're on sale. Keep a list of quick-fix possibilities on the inside of your cupboard door, such as spaghetti, meatball sub sandwiches, baked tortellini, etc.

Snacks

70. Invest in a popcorn popper. You can make 10 times as much popcorn for the same price as microwave popcorn. A three-pack box of microwave popcorn yields about 10 1/2 cups of popcorn for $2 to $3, depending on the brand. A $1.99 bag of regular popcorn yields 113 cups. You'll have to add you own butter and salt, but you have more control over the amounts.

71. When making s'mores, instead of buying chocolate bars and graham crackers, place the marshmallow between two chocolate-striped cookies. A package of Keebler Fudge Shoppe cookies is approximately $3 and makes 15 s'mores. You'd spend at least that much money on chocolate bars alone.

72. Break the soda pop habit. If you normally drink a can per day, at 50 cents per can, you could pocket more than $180 a year.

73. Every time you have a few leftover strawberries, peach slices, etc., store them in the same zip-lock bag in the freezer. Then every so often, whir them all together in the blender for a smoothie snack.

74. If you like the look of designer bottled water, buy it once and keep refilling with tap water, which is free. Many bottled waters cost more per gallon than gasoline.

75. Use food as a reward sparingly. Make treats more significant by using them only for special occasions. With obesity on the rise, most people don't need them on a regular basis.

76. Nip nighttime snacks. Go to bed a half-hour early and keep yourself from wanting a handful of chips while watching David Letterman. Your waistline will thank you.

Storage

77. Keep an eye on your pantry inventory so you use up all the pancake mix or corn syrup before buying more.

78. Oil goes rancid fairly quickly. Unless you use it often, buy in small quantities or refrigerate after using.

79. Post a "must use" list on the fridge to remind yourself of the half-empty can of pineapple, three hot dogs, etc. that will go bad quickly.

80. Label leftovers with date and contents before putting them in the freezer. You'll actually use these things instead of having mystery containers stuck in the back of the freezer.

81. Use and rotate your food storage. If you aren't using it, it is basically a waste of space and money. Rule of thumb: Store what you use and use what you store.

In the kitchen

82. Use smaller plates. Studies show that when people are served on larger plates, they take larger servings, whether they're really hungry or not.

83. One night a week have leftover night. Pull out all the leftovers from other meals — the half-cup of spaghetti sauce, the slices of ham or stray chicken breast, the chunk of cheese, the corn or peas. Bake some potatoes and let everyone pick the leftovers for toppings.

84. Pack a lunch for the next day from dinner leftovers instead of eating out.

85. Use meals to stretch your entertainment dollars. Go on a picnic in a park or get out the Dutch oven pots, have a hot dog roast or go fishing and then cook your catch.

86. When serving buffet-style, put the low-cost items, such as salad or rolls, at the beginning of the line and the most expensive item — meat — near the end.

87. Have meatless Monday meals.

88. Homemade soups are a good way to use leftover meat and vegetables. Their liquid content also makes them more satisfying.

89. Pasta or rice can also stretch small amounts of food into a meal. Throw in chopped pepper, ribbons of spinach or basil, chopped tomatoes or chicken or ham.

90. Instead of serving fruit punch or juice at meals, use a pitcher of ice water with a few lemon or lime slices floating on top.

91. Use small appliances, such as the microwave, slow-cooker and electric frying pan; they use less energy than a stovetop.

92. Use the dishwasher only when completely full. Washing dishes by hand can cost more than one load in the dishwasher. Let the dishes air-dry rather than using the "dry" cycle.

93. Don't open the oven door to preview baking food. Each time you open it, the temperature drops by 25-50 degrees. It takes longer to cook your food and adds to your energy bill.

Dining out

94. Use your gift certificates soon after getting them. Many have expiration dates.

95. Use frequent-diners' cards. Some restaurants offer punch cards — if you buy 10 meals, the next one is free. For a family of six, it takes only two visits to earn a free meal.

96. Go out to lunch when entree prices are often a dollar or two less than dinner.

97. If a full-course dinner comes with soup, salad, drink and dessert, it's only a great buy if you really want (or need) all that. You may be satisfied ordering an a la carte entree without the extras. Ditto combo meals in fast-food restaurants.

98. Guard against up-sell, when you're asked if you want guacamole with your taco or extra cheese for the fondue. If it costs extra, you might not want it that much.

99. At fast-food restaurants, order a kids' meal for yourself (if there's no age limit). Most of the time, you're getting a more appropriate portion of food (and a toy to boot!).

100. Watch beverage costs. Alcoholic drinks can double your tab, but even soft drinks can add $10 to $15 to the bill for a family of six. Water is a healthier choice anyway. Be sure to specify "tap" water, some restaurants may bring you bottled water at $3 or $4 per bottle.

101. If you feel you can't afford to tip, choose a fast-food or fast-casual eatery where tipping isn't expected. In sit-down restaurants, servers' salaries are less than minimum wage. Tips make up the difference.



Happy Shopping!

CENTSerely,

Sister Thrifty

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Monday, September 24, 2007

High Definition TV & foreclosures

Hi everyone!

HDTV
We had dinner at a friend's house recently who was thrilled to show us his cool high definition TV. Very impressive! Clark Howard is one of my favorite consumer gurus and this is what he had to say about HDTV:
This is going to be a great year for high definition on your TV set. According to new statistics from the electronics industry, 25 percent of households are now hi-def. Just 18 months ago, that number was probably seven or eight percent. There's more hi-def programming being churned out, too. The Discovery Channel made a big ratings comeback thanks to Discovery HD, which features incredible photography that renders beautifully in hi-def and has really captivated viewers. Now, Direct TV's goal is to have 100 HD channels before the end of the year. What's happening there is that they're scared of the triple-play packages from the cable companies -- where you get cable, Internet and phone -- so they're fighting back with this promise to offer more hi-def programming. Clark's approach to hi-def is to let the early adopters get in the game and drive the price down as the quality of programming up. That's already happening. Many of the major TV networks now put out hi-def transmissions in addition to regular broadcast signals. Meanwhile, a plasma TV today costs a quarter of what it did 36 months ago. And this Christmas, you can get a hi-def set for under $500 bucks. Still too expensive for your taste? The irony here is that you get a better picture from a hi-def transmission if you use conventional rabbit ears on your old TV set than if you actually pay for the hi-def programming and equipment. On the retail front, the way people purchase hi-def equipment is changing as well. Electronics retailers like Circuit City and Tweeter are in trouble because people buy their equipment at Wal-Mart, Costco and Sam's Club. In fact, the only electronics retailer doing well in hi-def sales is Best Buy.


FREE TIX!
My twin sister lives in Las Vegas and discovered this great web site: http://www.vegasseatfillers.com/ It's a company that gives away free show tickets to help theaters fill their seats so their show looks like a big hit. If you're planning a trip to Las Vegas, check it out!

FREE BOOKS!
The author of "Chicken in the Headlights" (Matthew Buckley) told me about this great web site: http://www.bookmooch.com/ that kind of works like a barter system for avid readers. You put books on your list that you're willing to give away for free. For every book you give away, you're eligible to request a book from somebody else. You pay shipping when you send a book, but not when you get one.

FORECLOSURES
The country has seen a surge in foreclosures lately due to the secondary loan market. Facing foreclosure can be a scary thing. It doesn't have to end as terribly as you think it might. Instead, try to arrange for a "short sale" with your lender to actively market your property. It can help pull you (and the lender) out of the hole. Never heard of a "short sale" before? In the case of a short sale, the lender agrees to accept less than the loan balance if you can get the place sold. Why would a lender want to do this? Well, it turns out that it costs a lender $70,000 on average to foreclose on one home, according to industry estimates!!! So a short sale is something of a win/win situation for lender and borrower alike. The neighborhood also wins in this situation because for every house foreclosed on, the average selling price of other homes in the immediate area drops 1.5 percent. Foreclosure is like a cancer that spreads in a neighborhood, but it can be healed with prevention by contacting your lender and setting up a short sale to actively market the property before the fact. An answer of "no" today may be "yes" tomorrow, as the lender may have to first get a waiver from someone they sold the loan to in order to permit that short sale.

Ok, on to happier subjects! I found this interesting article about saving tons of money on groceries. Check it out! http://www.grocerycouponguide.com/saving-90-percent-on-groceries.html

And now for some fun freebies:

1 year free subscription to DIET & NUTRITION MAGAZINE https://www.gvpub.com/subscribe/tdn_subscribe243.shtml

SUNSWEET DRIED FRUIT SAMPLES http://www.sunsweet.com/products/samples.asp

Free hearing aid batteries: http://offers.energizer.com/perfpack/default.aspx?flowerpower

Alrighty, that's it for now. Have a wonderful week!

CENTSerely,
Sister Thrifty

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