Showing posts with label TIPS & TRICKS. Show all posts
Showing posts with label TIPS & TRICKS. Show all posts

Wednesday, November 19, 2014

This Holiday Season’s Best Times to Buy (Savings.com)


Every year the deal-hunting pros at Savings.com create a calendar with predictions about the best times to buy holiday gifts. This is an art and a science. We analyze 1.5 million data points from the last 5 years, and layer on top of that our expert insight into retailers’ promotional calendars. The result is a comprehensive guide to savings! The most important takeaway is that while Black Friday and Cyber Monday are great days to score deals — and, yes, get ready for some of the deepest discounts we’ve seen online ever on those two days — they are not necessarily the best deals of the season. In fact, the months of November and December are full of deep discounts.  So go ahead! Mark these days and shop with confidence.

Tuesday, June 24, 2014

SEASONAL GROCERY SALES for this Summer!



So you’re trying to navigate the sales cycles for maximum savings?  Then what types of items should you be keeping an eye out for right now?  The following is a list of general items that will be going on sale over the next couple months and you should also be looking for the coupons as well.  Back-To-School items will begin to creep into the cycle more and more each week as we approach the Fall.  Start clipping those school supply & school lunch coupons now!  Before you head out to the store check Favado for sale, store coupon & manufacturer coupon matchups!  And don’t forget to sign up for Upromise/SavingStar, Ibotta, Checkout 51, Shopmium, and Target’s Cartwheel for those extra discounts!

·         Healthcare Items (Allergy Medicine, Bandages, Ointment, Aloe, Antacid)
·         Personal Items (Sunscreen, Aloe, Bug Spray, Skin Refreshers)
·         Deli Salads (Potato Salads, Boxed Pasta Salads, Sliced Lunch Meat)
·         Grilling (Condiments, Burgers, Sausages, Seafood Cheese, Buns, Chips)
·         Summer Beverages (Iced Tea, Lemonade, Sports Drinks)
·         Ice Cream & Frozen Novelties
·         Back-To-School

Monday, June 16, 2014

No. 1 * COUPONING FOR FRUGALISTAS: A Beginner’s Guide to Not-So-Extreme Couponing

[ 1 ]
COUPONING FOR DUMMIES FRUGALISTAS
A Beginner’s Guide to Not-So-Extreme Couponing

What better place to start than the beginning?  So you all know the buzz surrounding “Extreme Couponing”…who hasn’t seen or heard about these crazy couponing ‘Reality TV’ shows over the past few years?  And you are probably asking yourself what all the hype is about!  And maybe a little bit of ‘what exactly is this’, perhaps some ‘could I do that?’ and maybe also ‘where would I even start’?  I think that I may be able to help steer you in the right direction!

So I was actually just watching TLC’s Extreme Couponing on Netflix with the Roku that my Mom got us for Christmas this year and as I watched I became more and more anxious & overwhelmed!  Do you ever feel this way when you watch?  I think we all have such a strong desire to save and the results are incredible, but the time & effort involved is exhausting to even think about!  Now I don’t know about you, but I’m kind of a perfectionist and get skittish about starting something if I’m not confident that I will be able to finish it perfectly.  So an undertaking like this can seem daunting!  However I promise that it doesn’t have to be…you can do it!  And you do not have to be ‘extreme’ nor do you have to be a hoarder to #SaveLikeABoss !

Now this truly is more than just a hobby…you will become addicted, but I can’t think of a more useful & healthy addiction!  Are you ready to get started?  I will be posting one new tip each week to get you moving toward your frugalista goals, let’s take that first step!

Starbucks


Monday, June 9, 2014

Top 10 Ways to SAVE BIG at Target!


1.       Weekly local Target Ad for sales, package deals, etc.
2.      Manufacturer Coupons
o        Coupons.com
o        SmartSource Coupon Inserts
o        RedPlum Coupon Inserts
o        Individual Company/Product Websites
3.      Printable TargetStore Coupons
4.      Target emails & Mobile Coupons
o        Text the following to 827438
§         OFFERS
§         THANKS
§         GRILL
§         CLEAN
*    CARE
*    PETS
*    BABY2
5.      Target Cartwheel Offers
6.      Target RedCard (Debit or Credit Card)
7.      Target Pharmacy Rewards
8.      Check end caps for Clearance items
9.      Ibotta Cash Rebates
10.   CheckOut 51


Sunday, June 8, 2014

A Beginner’s Guide to Repaying Student Loans by Ron Lieber (The New York Times)


By RON LIEBER

The New York Times

 

Too many people, including plenty of brand-new college graduates, fall far behind on their student loan payments for no good reason.

How many? The Department of Education does not supply much data on late payments. But the student loan expert Mark Kantrowitz, using data from lenders, estimates that between one-quarter and one-third of borrowers are late paying their first student loan bill.

It can get worse as the days and years go by. Last year, the Federal Reserve Bank of New York, using 2012 data from the credit bureau Equifax, determined that 35 percent of people under 30 who were supposed to be making student loan payments each month were actually 90 or more days delinquent. 

Whatever the numbers, they add up to a normalization of tardiness that can damage the credit scores of young adults. And one big reason it’s happening is the fact that many among the indebted simply aren’t sure how many loans they have, how and when to pay them back correctly and how to find and use programs for people who can’t afford the full payments.

Let us pause for a moment to state the plain fact that the entire college financing system is a national disgrace. College costs are high, universities don’t counsel undergraduates well enough, families get in over their heads, there are too many types of loans, the repayment options are dizzying, and lenders and the companies that collect the payments are sometimes bad actors.

But this column exists for the far-from-ideal world we have to live in today, one where if the trend lines that the New York Fed has outlined continue, half of all 25-year-olds who have credit reports will have student loan debt in a couple of years. This week, we’re introducing a new student loan calculator. It can tell you what the average student loan debt is at schools you’re considering, what sort of salary might make the debt affordable and how different repayment options could significantly affect what you ultimately spend.


Thursday, June 5, 2014

JOSS & MAIN * A postcard from Provence | Summer typography | Afternoon at the cottage‏




The best and worst things to buy in June



This post comes from Lindsay Sakraida at DealNews

Deal News on MSN MoneyJune is the month with the longest daylight hours of the year, which for the deal-hunter means that you have even more time to shop!

Barbecue © Michael Hitoshi, Digital Vision, Getty ImagesBut before you let the increasingly warm weather convince you to buy less-than-stellar deals, check out our latest buying guide.

We searched through our extensive archives of sales, promotions, coupons, and daily deals to sort the fact from fiction when it comes to getting the best deals in June.

Ladies love cool lingerie (deals)
It's usually this month that Victoria's Secret unveils its famed Semi-Annual Sale, and last year we saw discounts on bras, panties, and swimwear. Keep in mind though that discounts might get stronger later in the month, as the store slashed prices further as the weeks went by. Moreover, we saw excellent lingerie deals in June from Frederick's of Hollywood and Maidenform.

Grill deals will spark in July

As we mentioned last month, deals on grills will continue to be less than thrilling this month. You'll get a better discount if you wait for July 4th promotions. According to our deals from last year, you could save as much as 50%, or $220 or more, on a mid- to high-end grill if you wait until July. However, keep in mind that beef prices are on the rise, so you might want to consider alternative sustenance for your BBQs.

Vacation in the caribbean on a dime
Technically, June is considered to be the beginning of the Caribbean's hurricane season. But, unlike the later months, it's far less likely to experience tropical storms. Still, there is the chance of bad weather, which means vacation packages and cruises in the area are much cheaper. If you're willing to give it a try, look for last minuteCaribbean vacation deals for this month.

Hit up Disney World in August instead
Speaking of cheap vacations, you might want to hold off on a trip to Disney World this month. Using exclusive data from Priceline, we reported last month that the cheapest weekend to book a Disney-accessible hotel is in August, whereas the most expensive time is the last weekend of June. Waiting a few months means you could save as much as 23 percent.

Keep an eye out for Father's Day deals

While you'll likely want to get something for dear old Dad that's in line with his interests, shoppers should keep in mind that many restaurants will offer Father's Day discounts on the day itself. Look for offers that include free entrees for Dad, or discounted extras like dessert. Typically this is a favorite promotion amongst nationwide chains, but your local restaurant might similarly have a special that's worth your time.

Mmmmm, donuts …
Is the correct spelling "doughnut" or "donut"? Who cares?This month they're free! June 6 is National Donut Day, and stores that sell the delicious food will be doling out freebies all day. In fact, the big three — Krispy Kreme, Dunkin' Donuts, and Tim Horton's — all offered a free doughnut for the past two years. (Only Krispy Kreme did so with no purchase necessary.) The offers will likely be valid for one day only, but see if you can hit up all three.

The Xbox One will be cheaper, and the PS4 will finally see deals
Microsoft has been struggling to beat out Sony in console sales, largely because its Xbox One was priced $100 more than the PlayStation 4. (And according to our survey, many gamers were already acclimated to both Xbox and PS3 platforms, and were thus willing to base their decision on price.) In response, Microsoft finally announced that it would sell the One console without the Kinect sensor for $399, the same MSRP as the PS4, allowing budget-savvy shoppers the opportunity to get into next-generation gaming at a lower initial cost. (Microsoft owns and publishes MSN Money.)

Perhaps not-so-coincidentall​y, we also saw our first deals on the PS4 last month, and we anticipate seeing a few scattered discounts going forward, now that the two consoles are on even footing price-wise.

Don't buy a TV in June, 4K sets make modest progress
The summer months have never been an ideal time for TV deals, and if May is any indication, chances are June will see little-to-no significant TV price drops. However, if you find yourself in dire need of a new HDTV, your best alternative would be to look at off-brand 42" TVs, which have averaged about $324 for the past two months. (By comparison, their name-brand counterparts are going for roughly $389.)

The Perfect Rug - 1 - 728x90


Friday, May 23, 2014

TIP #1

Did you know that you can use expired sunscreen as shave lotion? I hate throwing things away unless it's all gone, so this made me super happy!  I just did this tonight & I swear my legs feel 'amah-zing'!!
#silkylegs #I'mNotAHoarder

7 For All Mankind, a division of VF Contemporary Brands

Thursday, May 22, 2014

2014 Coupon Insert Schedule




2014 Sunday Coupon Insert Schedule (Smartsource Coupon Preview 2014, Redplum Coupon Preview 2014, Proctor & Gamble Coupon Preview 2014)

January
1-5 – RedPlum (2), SmartSource (3)
1-12 – RedPlum, SmartSource
1-19- SmartSource
1-26 – RedPlum (2), SmartSource, Proctor & Gamble


February
2-2 – RedPlum, SmartSource
2-9 – RedPlum, SmartSource
2-16 – RedPlum
2-23 – SmartSource


March
3-2 – RedPlum, SmartSource, Proctor & Gamble
3-9 – RedPlum (2), SmartSource
3-16 – RedPlum, SmartSource
3-23 – RedPlum, SmartSource
3-30 – Proctor & Gamble


April
4-6 – RedPlum, SmartSource
4-13 – RedPlum, SmartSource (2)
4-20 – No Inserts Scheduled (Easter)
4-27 – RedPlum, SmartSource, Proctor & Gamble


May
5-4 – RedPlum, SmartSource
5-11 – RedPlum, SmartSource, Proctor & Gamble
5-18 – RedPlum, SmartSource (2)
5-25 – No Inserts Scheduled (Memorial Day)


June
6-1 – RedPlum, SmartSource, Proctor & Gamble
6-8 – SmartSource
6-15 – RedPlum, SmartSource
6-22 – RedPlum, SmartSource
6-29 – RedPlum, SmartSource


July
7-6 – Proctor & Gamble (4th of July)
7-13 – RedPlum, SmartSource
7-20 – No Inserts Scheduled
7-27 – RedPlum, SmartSource (2), Proctor & Gamble


August
8-3 – RedPlum (2), SmartSource
8-10 – RedPlum, SmartSource
8-17 – RedPlum, SmartSource
8-24 – RedPlum, SmartSource
8-31 – Proctor & Gamble


September
9-7 – RedPlum, SmartSource (2)
9-14 – RedPlum, SmartSource (2)
9-21 – RedPlum, SmartSource
9-28 – RedPlum, SmartSource, Proctor & Gamble


October
10-5 – RedPlum, SmartSource (2)
10-12 – RedPlum, SmartSource
10-19 – SmartSource, Little Tykes
10-26 – RedPlum, SmartSource, Proctor & Gamble


November
11-2 – RedPlum, SmartSource (2)
11-9 – RedPlum, SmartSource
11-16 – RedPlum, SmartSource
11-23 – RedPlum, SmartSource
11-30 – Proctor & Gamble (Thanksgiving)


December
12-7 – RedPlum, SmartSource
12-14 – RedPlum, SmartSource
12-21 – No Inserts Scheduled (Christmas)
12-28 – Proctor & Gamble (New Year’s)


 

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