I have been at it fairly feverishly for the past 10 days as I have decided to write a second book about debt, but I have included a whole section on using coupons to save massive amounts of money. For this portion, I have enlisted the assistance from a former high-school classmate of mine. She is notorious for buying a cart load of items and walking away with a receipt for often under a dollar. She knows her stuff!
I am excited that I am attending her class in Branson Missouri on the 6th of March! I am going to first attend her class on coupons, and afterward will team up to write that section of the book.
I am still playing with a few ideas for the title, but will know more later. The book will be available for purchase/download by July 1, 2011 and 50% of the profits are going to go for her charity in Branson that helps the less fortunate people who need a hand up (and some complimentary food and supplies will be greatly appreciated! I will be sharing a few tidbits on here as the book progresses!
Showing posts with label Coupons. Show all posts
Showing posts with label Coupons. Show all posts
Friday, March 4, 2011
Sunday, July 12, 2009
Coupons Savings and Credit Card Debt Elimination
By now, you should realize that using coupons can be a way for you to escalate your credit card debt elimination program. What you may not realize as a big savings, when you add them all up and apply them to your existing credit card debt balances, the savings are astronomical. For example, my wife and I rarely eat out, we usually have something at home. We went out to eat last night and used a coupon. Usually, the bill at this restaurant is around $38.84 (this is for two dinners ,which produce enough leftovers for one meal each, soda, and 20% tip). We used a coupon last night and had water to drink (it is better for you anyway) and our bill with tip came to $26.46. That was a $12.20 savings. Since we tend to eat out on average once a week, that comes to an annual saving of $683.25.
Who said coupons aren't worth the effort.
That is just one example. We use coupons when we grocery shop and rarely buy things at full price. This has helped in credit card debt elimination, especially when we use the saved money to pay a little extra on our credit card. Now I am down to eight credit cards (yes, I had a problem) from thirteen. You can succeed too.
Have a GREAT day!
Who said coupons aren't worth the effort.
That is just one example. We use coupons when we grocery shop and rarely buy things at full price. This has helped in credit card debt elimination, especially when we use the saved money to pay a little extra on our credit card. Now I am down to eight credit cards (yes, I had a problem) from thirteen. You can succeed too.
Have a GREAT day!
Friday, June 12, 2009
Grocery Savings
Saving money is one of the reasons behind this blog and the reason for saving money has been to have more money in order to more quickly pay off your credit card debt. I must apologize because an assumption was made that everyone must be in credit card debt since I was (yes, that is a bit of egocentric behavior there). In these trying economic times, it has been difficult for many to get by or save money. It has been noticed in the way that stores advertise, how people are striving for bargains more than ever.
I used to be somewhat of a snob when it came to grocery store choices. There are three large local grocery store chains in the region in which I live. One was known for its customer service, but the prices were a little elevated. Another had grown on its strength for having a little less in the quality department, but was more middle-of-the-road price--wise. Then there was the third which was more value driven and you had to bag your own groceries. It was the latter one that I rarely, if ever, frequented.
Now I shop there almost exclusively.
Here's why: they have improved the quality of their selection, but most Thursdays they offer a $1o off, no coupon day. Basically, if you spend $50 and more there on Thursday, they will knock $10 off your bill. If you spend $50, you will save 20%. If you spend $100, it is 10%. I shop with a list (a strategy that is recommended as a way to control spending) and do my best to keep my total as near $50 as possible. Of course, things like milk, eggs, and alcohol are excluded. They give you a receipt that shows how much you saved by posting the suggested retail price and show you how much you saved over all.
When I sat down this morning to enter the money into my check register, I saw how much I had saved. I spent (after $10 off) $51.33 for groceries for about two, maybe three weeks. My savings were $33.42 or around 40%. That's not too bad a deal. After all, food is just fuel for he body.
Becoming thrifty does change how you will view things and train your eyes to look for the bargains. After all, it is your hard-earned money that you are spending and you might as well get the most bang for your buck.
Have a GREAT day!
I used to be somewhat of a snob when it came to grocery store choices. There are three large local grocery store chains in the region in which I live. One was known for its customer service, but the prices were a little elevated. Another had grown on its strength for having a little less in the quality department, but was more middle-of-the-road price--wise. Then there was the third which was more value driven and you had to bag your own groceries. It was the latter one that I rarely, if ever, frequented.
Now I shop there almost exclusively.
Here's why: they have improved the quality of their selection, but most Thursdays they offer a $1o off, no coupon day. Basically, if you spend $50 and more there on Thursday, they will knock $10 off your bill. If you spend $50, you will save 20%. If you spend $100, it is 10%. I shop with a list (a strategy that is recommended as a way to control spending) and do my best to keep my total as near $50 as possible. Of course, things like milk, eggs, and alcohol are excluded. They give you a receipt that shows how much you saved by posting the suggested retail price and show you how much you saved over all.
When I sat down this morning to enter the money into my check register, I saw how much I had saved. I spent (after $10 off) $51.33 for groceries for about two, maybe three weeks. My savings were $33.42 or around 40%. That's not too bad a deal. After all, food is just fuel for he body.
Becoming thrifty does change how you will view things and train your eyes to look for the bargains. After all, it is your hard-earned money that you are spending and you might as well get the most bang for your buck.
Have a GREAT day!
Tuesday, May 26, 2009
Tuesday = Monday
Three day weekends happen occasionally and in the United States we just experienced one. From my days in education, the Memorial Day weekend usually signalled the beginning of summer vacation. A lot of businesses honor the three day weekend, but the retail industry and medical field don't always have that luxury: they remain open year-round.
When you are on the quest to eliminate your credit card debt, you must remain always vigilant and ready. It is not suggested that it become obsessive, but it always needs to remain a steady undercurrent to you daily activities of living. These days my mind is always searching for ways to say a few dollars. I drive by several gas stations on the way to my day job (at least nine), so when the tank hits the halfway mark, the light turns on to compare as I go. When I notice one gets a few cents lower than the others, I will make a point to pull in and fill up. When I notice Diet Coke on sale, I will stock up (both my wife and I have a bit of a vice for Diet Coke, but I will not buy it at a convenience store because of the jacked-up prices there).
You can do the same.
If you are like most people, you purchase the same things over and over, but when you look to save money, you will notice when those things are on sale, or find a coupon for, or even print on from coupons.com. Believe me when they say that it all adds up, because it does.
But you are becoming wiser and you will win.
Have a great day!
When you are on the quest to eliminate your credit card debt, you must remain always vigilant and ready. It is not suggested that it become obsessive, but it always needs to remain a steady undercurrent to you daily activities of living. These days my mind is always searching for ways to say a few dollars. I drive by several gas stations on the way to my day job (at least nine), so when the tank hits the halfway mark, the light turns on to compare as I go. When I notice one gets a few cents lower than the others, I will make a point to pull in and fill up. When I notice Diet Coke on sale, I will stock up (both my wife and I have a bit of a vice for Diet Coke, but I will not buy it at a convenience store because of the jacked-up prices there).
You can do the same.
If you are like most people, you purchase the same things over and over, but when you look to save money, you will notice when those things are on sale, or find a coupon for, or even print on from coupons.com. Believe me when they say that it all adds up, because it does.
But you are becoming wiser and you will win.
Have a great day!
Tuesday, May 19, 2009
Are There Any Coupons?
When working to eliminate your credit card debt, you often will need to save in any way that you possibly can. One of the best ways that are out there is by coupons. We regularly get coupons in the mail, usually from ValPak. Unfortunately, as luck would have it, that piece of mail regularly gets tossed into the recycle bin and nobody wants to sift through the pile of papers that are going to be set out to recycle.
Never fear!
You can always go to the ValPak or the MoneyMailer website or even MonthlyCoupons.com. Usually it is as simple as plugging in your area code and coupons will appear. If you are looking for coupons for a particular name brand item it will do you good (usually) to visit that particular brand's website. If you aren't sure where to find it, you can always pull up an Internet Explorer session and go the Google site to begin your search. Taking a few minutes to rustle up some coupons could easily save you some dollars.
Those dollars could be used to eliminate your credit card debt, or, if you are fortunate enough to have emerged victorious from your credit card debt, you could use the money to live your life more the way that you want and deserve.
Have a great day!
Never fear!
You can always go to the ValPak or the MoneyMailer website or even MonthlyCoupons.com. Usually it is as simple as plugging in your area code and coupons will appear. If you are looking for coupons for a particular name brand item it will do you good (usually) to visit that particular brand's website. If you aren't sure where to find it, you can always pull up an Internet Explorer session and go the Google site to begin your search. Taking a few minutes to rustle up some coupons could easily save you some dollars.
Those dollars could be used to eliminate your credit card debt, or, if you are fortunate enough to have emerged victorious from your credit card debt, you could use the money to live your life more the way that you want and deserve.
Have a great day!
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