Save Money: How You Can Maximize Your Savings When Buying Everyday Items

More Money Saving Tips -- How You Can Maximize Savings on Everyday Items During These Inflationary Times
By Cheryl Johnson

Frugal living is more than a lifestyle. It's a passion. Call Me Crazy! I love It!

Why, who wouldn't love getting paid to buy products that they use everyday?

Here's how I do it.

I purchase an item that has a rebate offer (either a store or manufacturer rebate) while it is on sale and use a coupon during purchase. That's it! Using this formula I almost always come out ahead. When all is done, I've gotten back more than I actually paid for the item.

Even when I do have to pay for the items like deodorant, shampoo, soap, toothpaste, and toothbrushes it's about 50 cents for a item that would cost up to $2 -$4 originally.

Am I the only one out there that gets excited about this? I doubt it! At least I hope not. That would make me "Crazy", wouldn't it? But a lot of folks just don't know how to combine money saving measures to maximize savings.

My local drugstore (which by the way is a national chain) often advertises items free after rebate. Hey, that cuts down on a lot of work for me. Easy Money! I e an also lucky enough to have a grocery store in my area that offers rebates and offers double coupons (sometimes even doubling $1 coupons as a special promotion). Needless to say, with six mouths to feed (myself, my husband, and four kids) I'm lovin' that idea!

As the editor of www.simpledebtfreeliving.com, I'm always looking for new ways to save money. Visit us and follow one of the e-mail links to share your ideas or just let us know how excited you get about frugal living! Let me know I'm not the only one. Then we can put my family's worries to rest. They think I'm really crazy.

Here are a couple other ways that I save on items we use everyday:

1. Always use items that are reusable rather than throw away

For example: Reusable coffee filters, cups and plates, and my favorite pet peeve -

The great sandwich bag conspiracy

The major manufacturers of sandwich bags would lead us to believe that it takes rocket science to keep a sandwich fresh. Ask yourself this, How long do you need to keep that sandwich fresh anyway? It's not like it's going to the moon. It's just going to the office or school for a few hours.

The most practical way to approach this is to purchase reusable sandwich size containers. This is also very environmentally friendly reducing a great deal of waste. If however, these have trouble finding there way back home ( which is likely if you have children), you can save substantially if you purchase the plain old pleated sandwich bag that cost a mere fraction of the razzle dazzle zipper kind. Your mother used these for years and years with great success. I have used both methods for years and have never received a complaint of a stale sandwich!

You'll find that doing these little things like, using real cups and plates instead of paper or plastic throw away, and recycling containers for storage or even to use in craft projects, can save a lot of money. Each by itself may seem minor, but when put together amount to tremendous savings over time.

2. Don't buy it if you won't use it. Things like small kitchen appliances, repair tools, and gardening tools are good examples. We know they'll make our life easier if we just had the opportunity to use them.

There are 101+ small countertop kitchen appliances available to chop it, grind it, mix it, open it, bake it, grill it..well you get the message.

Simplify your life and narrow it down to a couple you just can't live without. For me it's my blender and my food processor. Although, I'm seriously considering a bread maker. Not quite sure if it's worth the money yet. Especially when I'm so close to a bread outlet. But, you can't beat the taste of fresh baked bread. I'm not counting the coffer maker it's kind of standard equipment these days. I wouldn?t dare ask you to give that up! What am I crazy? Well , maybe..

It's little things like the example above that identify frugal living.

3. Always get the best value for your money. Shop around. If this is a major purchase you will want to know what to look for. Research and compare products on the internet or in sale flyers. There's nothing more challenging to the retailer than an informed consumer. That's what you want to be. An informed consumer knows when it's a good value! Informed Consumer - More Savings

Cheryl Johnson mother of four helping myself and others become and stay debt free. Publisher of Simple Debt Free Living at http://www.simpledebtfreeliving.com - a self-help plan, ideas, and resources for personal budgeting, debt management, frugal living, and extra income opportunities. Money saving tips help balance your budget and maximize everyday savings.

Article Source: Cheryl Johnson

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Small Spending Changes Can Pay Off Big

(ARA) - Cutting costs, pinching pennies, shopping smarter -- more and more people are reacting to the current economic crisis by changing how and where they spend money. For some people, it may mean fewer restaurant dinners and more home cooking. Others are making bigger changes to save a few dollars and gain control of their finances.

Not every adjustment has to be dramatic, however. There are ways to save significant amounts of money without leaving the house -- or even getting out of bed. With more than 84 million people having broadband Internet access at home, according to the Pew Internet & American Life Project, a few mouse clicks can easily benefit your wallet.

The Internet has changed the way people communicate, discover and engage with others. It has also changed the way people manage their money. People regularly bank, trade, do business and shop online. Today, 40 percent of U.S. households bank online -- one-third more than in 2003 -- according to financial consulting firm TowerGroup. According to the Nielsen Global Online Survey, in 2008, more than 85 percent of the world’s online population has used the Internet to make a purchase -- up 40 percent from 2005.

“The price you pay for the things you need is not set in stone,” says Paul Ford, CEO of NetQuote.com. “Insurance, for example, is one of the biggest non-discretionary expenses for any family. What most people don’t realize is that you can -- and should -- shop around for insurance just like you shop around for a car or a house. With the technology available today, it’s easier than you might think.”

Here are just a few ways that consumers can use the Internet to take some pressure off their pocketbooks.

Check online for coupons and promotional codes.
In lieu of eating out frequently, many people are doing more grocery shopping and cooking at home. Many major grocery stores post coupons, offers and other promotions online that can easily lead to increased savings in a fraction of the time it takes to clip coupons in the traditional sense. Likewise, many online retailers circulate "promo codes" that can be redeemed at checkout for additional savings. Before completing an online purchase checkout, do a quick Internet search. Visit sites like www.RetailMeNot.com or www.CouponCabin.com to save.

Shop around for insurance quotes.
Insurance, whether for your car, home, health or business is something most people cannot go without. However, many people never think to shop around for a better insurance quote because they see insurance as an expense that isn’t negotiable, or they think they’re stuck in their current policy until it runs out. This is simply not the case. People can switch at any point in their policy, without penalty, and can often find a better deal by shopping around. Better yet, people can use quote-shopping sites, such as www.NetQuote.com, and receive insurance quotes from multiple interested agents without the hassle of filling out multiple requests. It can be a simple way to greatly reduce the amount people pay for insurance. After all, if you have to pay for it anyway, you may as well get the best deal you can.

Save on gas by mapping out travel routes.
Instead of taking the same route to work, friends’ houses or places of interest, consider mapping out a more cost-effective route by using online mapping services. The less time you spend driving from point A to point B, the less you’ll have to spend on gas. Web sites such as www.Mapquest.com or GoogleMaps can change the way you travel and how much it costs to get there. You might find a time-saving shortcut that you never knew existed.

Don’t waste money on the wrong products -- read reviews first.
Almost every online retailer features customer reviews and ratings for each of their products. If you must make a large purchase, there can be immense benefit in taking the time to read what other people are saying about that product before you buy. Consider checking out www.Epinions.com or www.ConsumerSearch.com. If the buzz indicates that a particular product is not worth the money -- or that a similar product does the same thing for less -- reconsider the purchase and look into other options. And if you happen to find what you’re looking for, check out the sites listed above for promotional codes.

People can get very creative when it comes to shaving a few pennies off their expenses. Before resorting to dramatic, cumbersome methods of saving money, explore the options above and other innovative ways the Web can be a tool for reducing your financial burden.

Courtesy of ARAcontent



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