Tag Archives: saving money

Drugstore Deals

drugstoreDo you look to your drugstore for deals? I admit that I don’t. My drug store, which I won’t name, spits out half a dead tree in coupons every time I pick up my prescriptions. They know who they are dealing with, so they tell me “Give these to your wife!” So I bring them home, all excited, thinking I have done something swell. And she tells me that they are so full of restrictions and exclusions that they are hardly worth the effort.

Oh well… it’s a place where I get my pills and, occasionally, an emergency or convenience item. No big deal.

Apparently, though, if you aren’t a big lazy quitter like me, you CAN get good deals at the drug store. According to DailyFinance.com, it takes a lot of elbow grease; you have to read the circulars, cut coupons and join the loyalty clubs. If you do the work, you can often find deals on the following:

  • Cereal
  • Dairy   
  • Eggs
  • Toothbrushes
  • Toothpaste
  • Makeup
  • Personal care items
  • Store-brand garbage bags
  • Drugstore-brand diapers
  • Hair color

There is plenty of detail at the original article, along with a couple of links to saver sites that concentrate on specific drug stores, so check it out!

How about you? What’s your fave drug store? Do you find deals there? What kind? Let us know over at the MindField Online Facebook page!

Jump Start Your Savings

savepiggyI have been brainstorming lately – looking for ways to cut costs and generate more income. Sound familiar? So, something with the title “How to save money: Start your financial savings plan with these 18 simple tips” definitely caught my eye! From Today.com, this article offers a bunch of interesting ideas for saving on taxes, housing, transportation, food and healthcare. Here are some highlights…

Tax savings tips:

  • Saver’s credit: get credit for the dollars you put in your 401k
  • Itemize job hunting costs:If your job hunt expenses reach 2 percent of your income, you can write them off!
  • Use tax software: It’s usually cheap, and it hunts for deductions you might miss.

Housing savings tips:

  • Challenge property tax bills: My mother did this, and she saved a bunch!
  • Reduce utility costs
  • Shop around for insurance breaks

Transportation savings tips:

  • Buy a cheaper car
  • Pocket your gas savings
  • Hunt for lower car insurance

Food savings tips:

  • Set a personal policy: Limit the times you eat out or order in.
  • Shop your pantry: Don’t buy groceries you already have. (I am BAD about this!)

Healthcare savings tips:

  • Shop around for lower prescription prices
  • Ask if tests are necessary: I have been burned on this one. Apparently, saying “Money is really tight, so I need to limit this to whatever insurance will pay” wasn’t clear enough. So, please, pile on $1000 in unnecessary tests!

I hope these are useful. Be sure to read the original piece for more ideas and explanation. Are you looking for ways to cut back and make more money? Are these good ideas? Can you think of any others? Let us know over at the MindField Online Facebook page!

How About More Money Saving Tips?

ID-100178555Time for the ol’ Friday standby: Money saving tips! There’s a realy good piece at The Simple Dollar called “How to Save Money: 100 Great Tips to Get You Started.” Lots of common sense – and otherwise – ideas, some straight out of everyday life, some that require making some changes. Let’s take a look at some highlights.

  • 51. Don’t fear leftovers: I had an ex-brother-in-law who would dump whatever was left after the meal into the garbage – like, two more meals! Apparently this was some declaration of independence from his crappy childhood. It’s your money, man.
  • 52. Go through your clothes: You know how they say “shop from your pantry?” Avoid buying things you already have? Same thing. You probably have a new pair of pants in the closet you have never worn. (I know I do.)
  • 53. Brown bag your lunch: My wife does it every single day. It takes planning to keep from being boring, but you really save.
  • 54. Learn how to dress minimally: Mix and match to make several outfits. Or, do like me and keep shirts for 20 years!
  • 55. Ask for help and encouragement from your inner circle: I don’t know…it would have to be my SERIOUSLY inner circle. The hardest thing to admit to friends is that you may have money problems.
  • 56. Try to fix things yourself: My dad was a construction worker. I am a writer. So that’s my handicap. But I HAVE taught myself things, and I have saved over the years.
  • 57. Keep an idea notebook in your pocket: for me, it’s on the nightstand. I am forever bolting awake with some idea. If I don’t write it down, it’s gone.
  • 58. Invest in a deep freezer. BUT…only if you use it. That seems like a big IF for me.
  • 59. Look for a cheaper place to live: I knew a couple that moved to Kansas. They realized they were saving so much money that they started traveling extensively. So, I guess they didn’t actually save, but they got to do something fun that they wouldn’t otherwise.
  • 60. Check out free events in town: Excellent idea, but you have to keep up. I am always discovering that cool thing that happened yesterday!

As always, just the highlights. More ideas, and more detail, at the original piece, so check it out! How about you? See any good money savings here? Have you tried them? Do they work? Let us know over at the MindField Online Facebook page, and have a great weekend!

Thrifty or Theft-y?

Also on the list...
Also on the list…

That’s the question in the latest Dave Ramsey newsletter.  I think it’s sort of meant to be a tongue-in-cheek look at the ways we justify certain money saving behaviors, and whether or not those behaviors might actually be, well, STEALING. He lays out ten scenarios. Here are some highlights, with bonus dumb commentary!

  1. Taking extra motel toiletries: Yep. Guilty. Every time.
  2. Taking fast food napkins and condiments: I once saw this old lady steal a freshly opened box of 500 straws from a buffet.
  3. Using your neighbor’s wi-fi signal: Hey, if he’s dumb enough to not encrypt… just kidding.
  4. Taking advantage of the store return policy: Like returning a used prom dress. No, as a dude, I have never returned a used prom dress.
  5. Skipping the “suggested donation” box. I never “skip,” but I often “skimp.” The “suggestions” can be pretty ridiculous sometimes.

There are a more scenarios at the original piece, so check it out! How about you? Which of these behaviors have you done? Don’t say “zero”! Let us know over at the MindField Online Facebook page!

Even More Money Saving Tips

Let’s check back in (yet again) with that helpful article at The Simple Dollar entitled “How to Save Money: 100 Great Tips to Get You Started.” They’re not all gems, and not all will apply to you, but you’re sure to find a few that hit you right in the pocketbook. We have looked at the top 40, now it’s the next 10…with bonus dumb commentary!

41. Prepare some meals at home. We do it 5 nights a week.

42. Switch to term life insurance. I don’t know. Has anyone done this? Do you save?

43. Stick to reliable, fuel-efficient cars. Sounds like a no-brainer, but you can save thousands over the life of your car.

44. Avoid the mall. Temptation!

45. Master the 10-second rule. Consider your purchases. Is this a Need or a Want?

46. Rent out unused space in your home.

47. Create a visual reminder of your debt. Encourage yourself with a nice chart that shows how your debt keeps getting smaller.

48. Cancel magazine subscriptions. Man, I am bad at this. The magazines pile up unread. How about you?

49. Eat breakfast. Again, I’m the worst at this. Lunch rolls around, I’m starving, and that’s when you spend!

50. Swap babysitting with neighbors.

…and 50 more! Did you see any savings tips that spoke to you? Ones that you are already doing? Do they work? Let us know over at the MindField Online Facebook page!

 

MORE Money Saving Tips!

changeLet’s check back in with that helpful article at The Simple Dollar entitled “How to Save Money: 100 Great Tips to Get You Started.” They’re not all gems, and not all will apply to you, but you’re sure to find a few that hit you right in the pocketbook. Last time we hit the top 20, now it’s the next 20…with bonus dumb commentary!

21. Install CFLs or LEDs wherever it makes sense. Once I got over my resentment of the government cramming these down our throats, I actually saw savings!

22. Install a programmable thermostat. And make sure somebody knows how to use it. In our house, it’s my wife!

23. Buy quality appliances that will last. We bought a “floor model” washer and dryer, and saved a bunch!

24. Clean or change out your car’s air filter. That’s a thing?

25. Quit using credit cards.

26. Plan your meals around your grocery store’s flyer.

27. Do a price comparison – and find a cheaper grocery store. I won’t name names, but the cheapest store is also the one that drives me insane.

28. Make your own when you can. I’ve never made bread, but it looks like fun.

29. Avoid stress-spending. “Retail Therapy” can get out of hand!

30. Share your dreams with people you love. If you’re BOTH dreaming of that big vacation, it will be easier to achieve!

31. Do a “maintenance run” on your appliances.

32. Cancel unused club memberships.

33. Buy used when you can.

34. Keep your hands clean.

35. Remove your credit card numbers from your online accounts. “One-click” buying can get you in hot water.

36. Give the gift of labor.

37. Do holiday shopping right after the holidays. Yeah, you don’t want to come between my wife and the wrapping paper on Dec 26th!

38. Join up with a volunteer program.

39. Declutter to save your sanity and some cash.

40. Try generic brands of items you buy regularly. They’re not all created equal, but I have had great luck with generics.

…and 60 more! We might have to revisit this one at a future date.  Did you see any savings tips that spoke to you? Ones that you are already doing? Do they work? Let us know over at the MindField Online Facebook page!

How to Save Money

dollarHard to beat that title, eh? Came across a terrific article at The Simple Dollar entitled “How to Save Money: 100 Great Tips to Get You Started.” They’re not all gems, and not all will apply to you, but you’re sure to find a few that hit you right in the pocketbook. Here are the top 20.

  1. Move bank accounts to take advantage of perks and earn more interest: And ditch those pesky fees when you can!
  2. Turn off the television: TV is really good at reminding you of what you don’t have. Also, as I have said a million times, cut the cable.
  3. Stop collecting, and start selling: My ex and her sure-to-be collectible Beanie Babies come to mind.
  4. Sign up for every free customer rewards program you can: Just be prepared to get a million emails every day.
  5. Make your own gifts instead of buying stuff from the store: Caution – requires talent!
  6. Master the 30-day rule: For big purchases, give yourself 30 days before you buy to make sure you truly want, need and love it.
  7. Write a list before you go shopping – and stick to it: I try, but those 2-for1’s at Publix always lure me away!
  8. Invite friends over instead of going out: Caution – requires having friends!
  9. Repair clothing instead of tossing it: I have had a couple of shirts for over 20 years, so this speaks to me
  10. Don’t spend big money entertaining your children: They say all kids really want is your time. Do you agree?
  11. Negotiate rates with your credit card company or complete a balance transfer: I did this once. A pain, but I did save a lot!
  12. Clean out those closets: Reduce clutter and sell or donate and tax the tax credit
  13. Buy video games that have a lot of replay value – and don’t acquire new ones until you’ve mastered what you have: Good luck selling that to your 13-year-old!
  14. Drink more water: Lots of health benefits, little cost
  15. Avoid convenience foods and fast food: Little health benefits, high cost
  16. For heaven’s sake, quit smoking. (!)
  17. Make a quadruple batch of a casserole: We tend to make at least double, have the leftover 3 nights from now. You really do save.
  18. Turn off the lights: This was pounded into me as a kid. Not even sure how much you save, it just seems wasteful to light a room you’re not in!
  19. Swap books, music, and DVDs on the Internet or at the library: Internet, sure. There are several “Swap” sites. Library? I’m not so sure.
  20. Maximize yard sales: Basically, don’t use low prices as an excuse to buy junk you don’t need.

…and 80 more! We might have to revisit this one at a future date.  Did you see any savings tips that spoke to you? Ones that you are already doing? Do they work? Let us know over at the MindField Online Facebook page, and have a great weekend!

Americans Wasting Money

I hate it when I get to the counter and I only have swirls in my wallet.
I hate it when I get to the counter and I only have swirls in my wallet.

In a piece entitled “10 More Things Americans Waste Money On,” money guru Dave Ramsey suggests that there are 10 things Americans waste money on. Actually, he says 10 MORE, bringing the list to 20 because we are bad people. Here are some highlights, with bonus dumb commentary®!

  • Purebred Dogs: Sure, because “get my DOG BUDGET under control” was my #1 resolution this year.
  • Lottery Tickets… I always thought the phrase “a tax on stupidity” was a bit harsh. Not wrong, but harsh!
  • Brand-Name Medicine: You hold the brand name in one hand, and the generic in the other, and the difference is $3? Sold.
  • At-Home Parties: Some ladies aren’t going to like this advice. Others will be relieved to be able to say, “Sorry, Dave Ramsey told me to stay home!”
  • Singing Birthday Cards: Mom will enjoy it, but will she enjoy it $7 worth?
  • Up-Sizing Your Order: But, if I get the 72-oz Sprite, the girl behind the counter will like me better. I’m not popular enough to “be different!”

I think the important thing to remember is that Dave Ramsey isn’t against you having nice things (a private education, a new car, etc.) He just doesn’t want you to go into debt for them. Anyway, there are more things on the list, and much more detail at the original piece, so check it out!

How about YOU? Do you agree with the list? Are you “wasting” money on them? Let us know over at the MindField Online Facebook page!

Tightening the Belt for 2015

ID-100178555The Holiday season is upon us, traditionally ending on New Year’s Day. And what defines NY Day? Resolutions! There are only 3 worth mentioning – lose weight, reconnect with friends and family, and SAVE MONEY.

USA Today has an interesting piece out today, “5 Everyday Expenses Worth Eliminating in 2015.” See if one or more ring a bell in your household…

  1. Coffee to go. Jerry Seinfeld once said “I get my coffee on the outside.” Not smart. According to one consumer: “I was shocked to find that my $4.30 daily latte was costing me over $1,200 a year.”
  2. Take the bus. Not always a viable option, but it has financial and social benefits. Would you rather be stuck in traffic ALONE or with equally unhappy people? …yeah, I’m not sure about this one either.
  3. Pack your lunch. It’s comical watching my wife assemble her lunches for the week. Grapes, Wheat Thins, pretzel sticks, animal crackers, frozen meals… all portioned out in little Ziploc bags. But it’s better than spending $10 a day for lunch in food-obsessed Charleston SC!
  4. Cut the Cable. I will say it again. I ditched cable TV, cut back to internet-only, bought a set of rabbit ears and a Roku box and signed up for Netflix and Hulu. My bills went from $150/month to $50. It works!!!
  5. Quit the gym. There are MANY ways to get and stay fit. People say, “Well, I signed the contract, so now I HAVE to go!” Does that actually work?

There is a bunch more detail at the original article, so check it out! What do you think? Are you cutting back? Are these good ideas? Have any others to share? Let us know over at the MindField Online Facebook page!

Extreme Cutting Back is Extreme!

336Caught a 2am rebroadcast of Kathie Lee and Hoda (Link here if you can bear it) interviewing a couple that moved with their two kids into a 336 square foot house they built. Apparently, this is a thing now, so they say. The couple really didn’t seem to be too smug about it (unlike, say, the enviro-hipsters at my old job who ride their single-gear bikes to work every day even though it’s 88 degrees in Charleston by 9am and you smell like a mule the entire day.) Anyhoo, these folks lost everything in the Crash, had to start over, and didn’t want to be in debt ever again.

Yeah, but 336 square feet? “It brought us closer together…” Geez, you think?

How about some more practical tips on cutting back? Try “54 Ways to Save Money” from AmericaSaves.org. Ideas include everything from keep a jar of change to buying the new light bulbs to only using YOUR bank’s ATM, and 51 more!. Some good stuff there.

So, what about you? Could you have a fire sale and move your family into 336 sq ft? What ways have you cut back? Are you saving much? Let us know over at the MindField Online Facebook page!