Showing posts with label Tips. Show all posts
Showing posts with label Tips. Show all posts

January 18, 2011

Speak Up!

I want you to feel free to leave comments on (or email me about) any GB Savers post. Please speak up if you have a question, deal suggestion, or just want to say hello. Many times a reader finds a great deal or coupon that I missed and I'm always happy to add it to the post! I've said it before... working together we can save a lot more!

I have comments open to everyone (meaning you do NOT have to have an account of any kind to leave a comment). I think all readers, even those without a blog or special account, should be able to leave comments.

At this time I do not moderate comments. Which means that your comment will appear right after you submit it. This also means that I usually won't see your comment until I check my email. I do get an email when someone leaves a comment and if a question is asked I do try and answer it. You can choose to receive comment notification as well if you want to be notified when someone else comments after you (only available for Google accounts) or you can just come back and check for follow up comments later.

Everyone knows how to comment on Facebook-- unfortunately FB doesn't notify me when you comment there, so sorry if you ever felt ignored-- but it has come to my attention that some of you may not know how to leave a comment here on the blog. Here is a little tutorial for you. It's really easy!

At the bottom of every post, look for this (the number changes depending on the number of comments) and then click on it:
It will open a page that includes a box like this:
Just type what you want to say in the box. Under the orange words "Choose an identity", pick one of the four options. If you have a Google account you can use the first option. If you have an Open ID account choose the second option. You can also just pick the Name/URL option and put your name or nickname in the "name" space (filling the URL box is optional). If you wish to remain anonymous just click the last option.

If you have a Google account, you can choose to be notified of follow up comments by marking the box below "Google Account" that says "Email follow up comments to ____@gmail.com".

Right now I have word verification on (so you have to type in a squiggly word) to prove you are not a spam bot. I know it's a pain and adds an additional step; however, most spam comments have similar content to email spam and include links to very offensive content.

The last step is to hit the orange "Publish Your Comment" button and your comment will be visible right away.

See.. it really is super easy! So feel free to speak up and leave a comment!

December 14, 2010

Priceless: Protecting Your Accounts


I am a big time user of Google products. I use Gmail, Google Reader, Google Docs, YouTube, and (of course!) Blogger. These Google services are all tied together with the same user name and password. So over Thanksgiving weekend when I got an alert on my email account that said someone in China had accessed my account, I hurried to change my password and make sure my account was secure.

Thankfully, nothing came of this and I have not had any further suspicious activity (that I'm aware of anyway). A friend of mine was not so lucky this week. Her Google account was hacked, spam was sent from her email account, and worst of all her blogs (personal and business) were deleted. I have two blogs, this one and my personal blog, that I love dearly and can only imagine the panic she must have felt. While Google is an awesome company, they are not known for their speedy service in matters like this.

So I wanted to take a minute to remind everyone to make sure all your IMPORTANT accounts are secure and have proper passwords. Don't worry too much about your junk email (which you should have if you're signing up for freebies) or passwords for sites like BettyCrocker.com and the like. I'm talking about your REAL email and accounts like Facebook, Google, or online banking.

You know the old saying an ounce of prevention is worth a pound of cure is REALLY true in this case! There are some things that you just can't put a price on... so take a few minutes and make sure your accounts are as secure as they can be. The links below are for Gmail and Google accounts, but if you use a different program you can search for similar tips and tricks for the email program/provider you use.If someone ever accesses your account, change your password and security question IMMEDIATELY. If that doesn't work or you can't log in, you can begin the process to recover your account here. If you can't answer your security question be prepared to fill out a longer recovery form that might include questions about your account. Some of the recovery form questions you may not know the answer to, I've heard conflicting comments on whether it is better to leave an answer blank if you don't know it or just take your best guess.

If you happen to have a blog, there are a few additional things you can do to protect yourself as well:
  • Make sure your password is extra strong.
  • Regularly back up both your template (under the "Design" tab choose "Edit HTML" and then "Download Full Template") and, more importantly, your blog content (go to the "Settings-Basic" tab and click "Export Blog"). Name the exported blog file and then keep it in a safe place. Use Google's calendar to set up a reminder for yourself to do this as often as you would like. I would suggest at least monthly.
If you have a personal blog you might want to do this as well... email each post to yourself (under the "Settings"tab choose "Email & Mobile"). Then just set your email account to archive the emails immediately and they will never clutter up your inbox, but if you ever need them they will be there (photos and all). This will only cover future posts, past posts won't be emailed to you. You might also want to consider turning your blog into a book with a site like Blurb or Blog2Print.

These are just a few tips to get you started. There really isn't any way to completely protect yourself from computer criminals but at least try not to make their job easy! And just in case you were wondering about my friend, after a few days Google did investigate and re-open her account and blogs.

December 6, 2010

Links for Beginners

If you are new to deal blogs or coupon shopping in general, here are a few GB Savers links you might find helpful! When you are just starting out all the information and details can be overwhelming, but I promise you it is worth it in the money you will save. Start small, but start somewhere!
These links (and lots more!) are always available under the tabs at the top of the page. I hope you find the information helpful and if you have any suggestions for other resources that could be added please let me know. Please feel free to share any deals you come across (leave a comment, write on the FB wall, or send me an email). The more deals we share the more money we can save!

If you haven't already please subscribe to GB Savers by email or RSS reader. You can also find GB Savers on Facebook.

September 1, 2010

What is a Good Deal for Toilet Paper?


Over the years I've gotten deals on just about every item I buy. One thing that always eludes me as far as deals go is toilet paper. Thanks to having mostly boys, we don't go through as much of it as some, but it is still (obviously) a MUST have!

We used to just buy the big box of generic toilet paper of Sam's Club. We are not brand loyal for toilet paper. Of course, we prefer certain brands over others but considering what we're going to be using it for, we're really not that picky. If it's a particularly low quality brand I just put it in the boys bathroom and get a better brand for my bathroom! :) But we decided against renewing our Sam's Club membership, so our old standby is no longer an option.

I recently came across this great blog post to help you figure out when you've found a good deal on toilet paper. Toilet paper is one of those things that is hard to compare price-wise due to such huge differences in packaging. Unit cost comparison (cost per square foot) really comes in to play when buying paper products.

Go read the post, but the main points are: $.01 per square foot is a great deal and look at the TOTAL package square footage (not roll) when comparing. Here's the fun part: To easily figure this out look at the package square footage and make it into a dollar amount (656 square feet = $6.56) and if the package cost is equal to or less than that amount then it's a good deal!

Where do you buy toilet paper? What do you consider a good TP deal?

July 18, 2010

Your Shower Costs HOW Much?

Have you ever wondered how much that warm relaxing shower is costing you?  I recently found an online calculator which can help you figure it out.
Read all about it, if you want some ammunition when you ask your kids to take shorter showers.  However, if you don't want to ruin YOUR long showers with guilt...you might want to skip this post, Your Shower Costs HOW Much? at Little Farm in the City.

July 16, 2010

Helpful Coupon Definitions and Abbreviations

  • Catalina - coupon that comes out of machine at checkout
  • CRT- cash register tape or receipt
  • Double Daze - the days Copps let you double 5 coupons with $25 purchase
  • Double Double Daze - the days Copps let you double 10 coupons with $25 purchase
  • DND - Do not double
  • ECB - Extra Care Buck(s), the name of the instant rebate that print with your receipt from CVS, use it like a gift card to pay for another purchase
  • FAC - Free after coupon
  • FAR - Free after rebate
  • GM - General Mills
  • Insert - Booklet of coupons found in the Sunday newspaper
  • IP - Internet printable
  • IVC - Instant value coupon, Walgreens monthly coupon found in their monthly booklet.
  • MC or MQ - Manufacturer Coupon
  • MIR - Mail in rebate
  • MM - Money Maker, a deal where after coupon or rebate you get overage
  • OOP - Out of pocket
  • Overage - item costs less than coupon value but the whole amount comes off your total
  • OYNO - on your next order
  • PG or P&G - Proctor & Gamble Sunday insert coupon
  • Printable - a coupon that you print from the internet
  • PSA - prices starting at
  • RC - raincheck
  • Rebate - mail in offer that refunds your money when you purchase a specific item
  • RP - Red Plum Sunday supplement coupons
  • RR - Register Reward, the name of the instant rebate or Catalina that prints from Walgreens, use it like a gift card to pay for another purchase
  • SMP - Specially marked packages
  • SS - Smart Source
  • Stacking - using more than one coupon per item
  • TMF - Try me free, a form that you mail in to receive full purchase price back
  • WYB - When you buy
  • YMMV - Your mileage may vary - the success of the attempt may vary

June 15, 2010

Make Your Own: Can Rotators

Below is a post from my personal blog that I thought I had posted here as well... but must not have. If you buy any type of canned goods these are very helpful and nearly free to make!

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Several months ago I came across these plans to make a can rotating device out of cardboard. Since I tend to buy large quantities of items but have a bad habit of just putting the new items in front of the old... I always wanted some can rotators. But being the frugal person I am, I just couldn't spend the money on fancy, expensive ones. So, I thought I would take "Grandpa's" plans and make one to try out.

My prototype

Well, the first one was a challenge. I finished it but set aside the idea for awhile because I had so much trouble putting it together... it seemed that it was a project for someone with six hands! Plus Grandpa's plans were not exactly written out in a helpful, step by step fashion.

Then another blog I like to read posted the same instructions and in the comments I got several suggestions that helped me out. The most important tip was to use pins to hold everything in place instead of growing a few extra hands! Why didn't I think of that?! Now I was willing to give it a second try.

I made a few other "improvements" to the plans as long as I was at it. The second rotator went together much easier and by the fourth I was a pro. Now I think I could put them together with one hand tied behind my back. Okay, so not really... but this new improved method really helped! And my new and improved method is stronger because it adds shelf supports:


If you want to make more than one I highly recommend making a template of the pieces. I used shirt gift boxes. They're thin yet sturdy enough to use repeatedly if you mark lightly with a pencil. You also want to use a utility blade with a fresh blade. It just makes the edges so much nicer. Use a straight edge too! Crooked pieces don't go together as nicely. (Trust me on that one!)

Here's what you'll need:
utility knife, wood glue (or caulk), metal carpenter square (or ruler),
sturdy 2 ply cardboard, pins, and the plans*

Assembly Shelly's Way:

1. Measure and cut out all necessary pieces. This is probably the most time consuming step and why you'll want templates if you're making more than one.

2. Mark the sides (both left and right) where the shelves will go. This part is NOT in the plans... glue thin strips of cardboard (mine are about 1/2 inch wide and 5 inches or so long--no longer or they'll interfere with the can rolling) just below the lines you've marked (left photo). Squirt glue on marked lines (center photo). Place center shelves onto glue (right photo). Let it dry for a bit. If your shelves won't stand up support them with something.


3. Now squirt glue onto the opposite side and... this is the hardest part... line it up just right and put in place. If you placed those thin support strips in the right place it will help you line it up. When you are done it will look like this:

I like to pin it all in place to keep everything from shifting because at this point it's like a house of cards and prone to collapse.


I cheat a bit and don't wait for the glue to dry. I just keep on truckin', but I'm brave like that... or impatient. You can let the glue dry if you want. Just do yourself a favor and stand the whole thing up and make sure it's square and all the shelves look even.

4. Glue (and pin) the bottom front (left photo), top front (middle photo), and back (right photo) in place. These pieces kind of come around the corners which adds strength. Grandpa's original design did not have the back this way. That is a modification by Shelly (aka "Shellification"). You will also need to glue the "wood block" in place at the back of the bottom shelf. The wood block is not really wood, it's just a card board rectangle glued in on an angle that keeps the cans moving forward. It is hidden away in there and therefore not easy to photograph, but trust me... you need it!


5. At this point I like to turn the whole thing on it's side and set some heavy books (heavy in weight, not content... although I used books heavy in both respects for mine!) on top of the whole thing. Once the glue is dry, remove the books, then the pins. Cut a small notch where indicated to make it easier to remove the cans. Label, if you so desire, and then try it out!
Grandpa paints his to make them sturdier, but I am just using mine plain and taking my chances. Grandpa's plans include dimensions for all sizes of cans. I need to do a little math and make a couple that are wide enough for peanut butter jars. Peanut butter is the thing I have the hardest time following the FIFO rule on (FIFO=first in first out).

Want to see it in action? I thought you might!



Too lazy to make these?? I found, after I made mine, that you can buy something very similar made from cardboard for pretty cheap. I might have gone with this option had I known about it sooner, but I guess there is some satisfaction in knowing you made them yourself... that's what I keep telling myself anyway.

*Follow this link to get a pdf of the original plans. If you want a copy of MY plans with improvements I'd be happy to make a copy and give it to you.

June 14, 2010

Free Food Coupons

Keep your eye out for freebies on Facebook or Freebies4Mom and soon you'll have a stack of these completely free item coupons in your mailbox! No complicated deals here... just FREE food!

I like to take mine to Copps where they help "pad" my order. This gets me to $25 while lowering my out of pocket costs! The full item price is included in my total yet the coupon takes it all back off.

May 3, 2010

Stock Up Watch

Can you believe it's May already?! Seems like I just got used to writing 2010 and it's almost half way through the year. Just a quick heads up if this if your first deal seeking summer... stock up! When you see a great deal take advantage of it. I think deals become a little harder to find in the summer. Don't worry they reappear around Back-to-School time but I don't want you to end up paying for toothpaste because you didn't plan ahead a little bit! :)

If you shop deals now you should be able to stock up on enough ketchup, mustard, barbecue sauce, relish, baked beans, and other summer/picnic type foods to last you until next year at this time. I know that sounds like a lot but just think about how long a bottle ketchup lasts you, do the math (how many is a year's supply for your family?), and then stock up when it's on sale! Do that for each deal you come across and you'll soon find you are spending much less at the grocery store. Or better yet, you might find you don't have to go to the store for a week or two at all!

As you find deals on summer produce (strawberries, blueberries, peaches, corn, etc.) consider buying a little extra to freeze or preserve for those dreary winter months when you wish produce didn't cost a small fortune.

Gas prices tend to rise a bit in the summer as well and this year it will probably be worse (due to that recent spill). So perhaps by saving money in other areas of your budget, like groceries, you'll leave a little more wiggle room for gas in the months ahead.

April 30, 2010

Why You Need a Reader


The question I get asked most often about saving money is: "How do you have time to do all this?" Well, there are lots of answers to that question, but the two most important reasons are this:

1) I don't really watch TV (I only watch one hour a week). I would much rather spend my "down" time online reading blogs or reading a book. (If you watch a lot of TV and say you don't have enough time to save money then you are "paying" for your choice.)

2) I use several tools to help me find deals and coupons faster.

I've already mentioned my favorite tool for getting lots of freebies with little time and effort. This post is about how to read lots of deal blogs quickly and efficiently. I can read about 20 blogs in the time it takes me to check my email. The key is I don't visit each blog/site individually. Instead, they come to me in the form of an RSS subscription in my reader.

Once you have a "reader" you just add all the sites you want to follow and then check the reader like you would your email. All the new posts show up as they are published and are saved there until you go to read them. You just have to scroll through them. No more going to a blog only to see it hasn't been updated. You just "set it and forget it". [Hey, I sound like an infomercial!] If you have an Gmail account you already have a reader, just look at the top of your Gmail page and you'll see:

Click on the word "Reader" between Documents and Web.

A reader really is a huge time saver! You can organize your reader any way you see fit. So if you are only in the mood to read friends blogs but want to skip the others you can do so easily. I subscribe to all sorts blogs, including several "money saving" and freebie blogs. Another great feature of a reader is the ability to search what you've read. If you want to look up an old post for some reason (ex: where was that Colgate coupon link?) then, in Google Reader anyway, you can just use the search function.

This is a great way to keep up with the deal blogs... just search the store you're looking for a deal at and all posts from all the sites you subscribe to will show up (sorted most recent first). This is how I make my CVS or Walgreens shopping lists.

I know may of you are fans (or "like") blogs and deal sites on Facebook to keep up with posts. This can work well for you if you are on Facebook all the time. But if you don't happen to see a post on your Facebook feed you could miss some really great deals. It is also difficult to go find old posts on Facebook. Plus, I'm sure you'll notice most blogs just link to their sites and you still have to go visit each site individually anyway. If you read a lot of deal blogs this can take a lot of time. Why not cut out the middle man and have the posts come to you.

I use Google Reader, but there are other "readers" available. They are easy to set up and easy to check. There really is no reason not to give it a try! There's no need for bookmarks or clicking on each site to check for new posts. An added benefit is you won't miss any posts, they stay there until you read them.

If you're skeptical, just give it a try... I think you'll be surprised!

Here is a YouTube video that explains it for you visual learners:



*This is an edited post from my personal blog.

April 28, 2010

Shrinking Packages

When I got my $.99 Peter Pan peanut butter at Festival last night I noticed it wasn't an 18 oz. container. I did a little research and I haven't been paying attention for too long... peanut butter packages shrunk over a year ago! This week Piggly Wiggly has Skippy for $1.49 which isn't a great price and it's made worse by the fact that it is, again, the smaller 16.3 ounce jar.

Companies are trying to cut back and save money. I understand that. Instead of raising prices (which might affect customer loyalty) they lower package sizes and hope customers don't notice. What I don't agree with is the deceptive practices, like making the jar appear the same size while using an large indent in the bottom of the jar to reduce the amount inside. Did you ever notice the manufacturers are always more than happy to point out when a package has "33% more" or "25% more free" but no one points out that containers are now "15% smaller"?

Then manufacturers make up lame excuses for reducing the size. Tropicana says they decreased the size of their juice container so it "poured easier with less spillage and less gurgling." Kraft Foods said they downsized Chips Ahoy cookies to offset the cost of a new package that keeps cookies fresher longer. Well, frankly, I'm sure most people are more concerned about cost than gurgling or special packaging. But maybe I'm out of touch.

Downsized packaging might be a good reason to take a few minutes to send an email to a company and let them know you aren't happy about the change. Who knows what excuse they will give you for the decrease but along with their response you might get a couple coupons to make it worth your time. 

No matter what the reason for the decrease in size is, we as consumers have to continue to pay attention to prices, especially unit prices. Buying groceries is a game and it's two against one, us against the manufacturers and stores.

Have you notice any shrinking packages lately?


Quotes from Yahoo Finance

April 27, 2010

Save Yourself Some Time

If you love signing up for freebies but hate filling out all those little forms time and again, here is a helpful tip for you. I think I've mentioned this before but it's worth repeating. Your computer can help you fill out those forms a LOT faster. With one button click you can fill out the whole form!

If you have a PC you can install the free Roboform program to help you fill out those freebie information forms faster. If you use Firefox you can install an add-on called AutoFill that will fill out forms with the click of a button. You can even set it up to have different profiles (ex: one with your real email address and one for your junk email address).

Personally, I use the AutoFill add-on for Firefox and I love it! It takes me one click and about 2 seconds to fill out any form. I love getting the mail each day because I never know what freebies will show up. My mail carrier has even asked me how I manage to get all this stuff for free! Other people ask me how I "have time" to do all this... it doesn't take much time at all when you use helpful shortcuts! :)

April 14, 2010

Counterfeit Coupons

Common Sense with Money has an informative post here about some fraudulent coupons that are going around right now.

The store will NOT get reimbursed for these coupons. This results in a loss to the store from accepting fake printable coupons which makes the store less willing to take printable coupons in the future.

Risking stores not taking internet coupons in the future isn't worth a free product! If you are ever curious if a coupon is legit check the list of know counterfeits at the CIC website.

April 6, 2010

Freezing Foods

When you find a good deal on food, meat especially, lots of us stock up and throw the surplus in the freezer. I was asked a few questions about if this is safe, so I did a little research. The following information is directly from the USDA website.

Is this safe?
Food stored constantly at 0 °F will always be safe. Freezing preserves food for extended periods because it prevents the growth of microorganisms that cause both food spoilage and foodborne illness.

What can you freeze?
You can freeze almost any food. However, being able to freeze food and being pleased with the quality after defrosting are two different things. Some foods simply don't freeze well. Examples are mayonnaise, cream sauce and lettuce. Raw meat and poultry maintain their quality longer than their cooked counterparts because moisture is lost during cooking.

Can you refreeze? (This one's for you, Jill!)
Once food is thawed in the refrigerator, it is safe to refreeze it without cooking
, although there may be a loss of quality due to the moisture lost through defrosting. After cooking raw foods which were previously frozen, it is safe to freeze the cooked foods. If previously cooked foods are thawed in the refrigerator, you may refreeze the unused portion. If you purchase previously frozen meat, poultry or fish at a retail store, you can refreeze if it has been handled properly.

What if my freezer loses power?
If food is partly frozen, still has ice crystals, or is as cold as if it were in a refrigerator (40 °F), it is safe to refreeze or use. It's not necessary to cook raw foods before refreezing. Discard foods that have been warmer than 40 °F for more than 2 hours. Discard any foods that have been contaminated by raw meat juices.

How long will it last?
Freezer storage is for quality only. Frozen foods remain safe indefinitely.

Stand Alone Freezers are better for long term storage:
Use a free-standing freezer set at 0° F or below for long-term storage of frozen foods [a refrigerator freeze may not be able to maintain a constant temp if the door is opened frequently]. Keep a thermometer in your freezing compartment or freezer to check the temperature. This is important if you experience power-out or mechanical problems. [There are freezer alarms available that beep to let you know your freezer has dropped below a certain temperature, like if the door is accidentally left open.]

Source: USDA Freezing and Food Safety Fact Sheet

February 18, 2010

Where do you keep your savings?

I'm no financial guru but I did come across this money tip in a financial book several years ago that has helped us tremendously. I know saving is hard, especially these days, but if you have money saved, or are working to save money, there are more options to "store" your savings than the basic savings account at the local bank or a jar buried in the backyard. :)

We had never considered putting our savings anywhere except a regular savings account. We, of course, had heard of Money Markets and Certificates of Deposit, but never really considered them because we though of them as more of an investment. To us "investment" meant risky and/or inaccessible money. We already had investments, we wanted our savings to be safe and easily accessible in case we needed it.

Have you ever looked into a Money Market Deposit Account? They are different than a Money Market Mutual Fund which is what I always thought of when I heard "Money Market". In a MMMF your money is at risk because they are not usually FDIC insured (although the government has recently passed some exceptions to this due to the economic times). However, a MMDA is always insured by the FDIC (up to $250,000). You should research MMDAs yourself, but I consider them a better way to save your money because they pay a lot more interest than a regular savings account. TEN times as much!

Unfortunately, these days that's not saying much, but every little bit helps. When we first opened our MMDA the interest rate was 5% and since we had been saving for a new house we saw very nice monthly interest payments (over $100!). It became very clear to me how some people can live on their investments. Our money did nothing but sit there and they PAID US!

The interest rate has dropped considerably in the last several years. The current interest rate for our MMDA is 1.2% but that is still more than TEN times the interest rate on our savings account at the local bank. The interest rate there is currently a pitiful .1%!! When we looked into opening our MMDA we went to Bankrate to see who was offering the best interest rates. We called our local bank to give them a chance as well but their rates were no where near the one we ended up getting at Capital One. We had never considered a national bank, but after a bit a research felt that it was a safe option.

Just for fun pretend you have $5,000 in your savings account. If you keep it at bank in a savings account that earns an annual percentage rate of .1% at the end of one year (with no deposits or withdrawals) you will have $5,005. That would be $.42 a month in earnings. Don't spend it all in one place! :) Now if you took that $5,000 and put in the national bank's MMDA that earns an annual percentage rate of 1.2% at the end of the year you'd have $5,060 or $5 per month. I'm not great at math but $5 a month is better than $5 a year!! That's making your money work for you! That's what rich people do and you should consider it too.

The more money you have or the higher the interest rate the better it gets! If you can deposit some money throughout the year you'll earn even more! It's the miracle of compound interest!

If you want to do some math, here is a Savings Calculator. Put in the amount you currently have in savings and the interest rate you are currently getting. Be sure to choose "compound annually" from the drop down menu since most interest rates are annual. Then go to Bankrate and look to see what kind of interest rate you could be getting elsewhere and pop that number in instead (today it's about 1.4%). What you see might get you thinking!

We have been very pleased with our savings working a little harder for us. I told my sister about our MMDA several years ago (a few months after we got ours--I was so happy because of those interest payments I tell you!) and recently asked her if she was satisfied her experience. She said she definitely was! She uses Capital One as well and she said that not only does she love the higher interest rate she thinks their customer service is excellent. She liked it so much she just recently opened second MMDA for her son's savings.

I'm not telling you what to do with your money. I'm just throwing this out there because a few years ago I wasn't aware of any of this and maybe it will help someone save a few more dollars!

[When researching MMDA and Savings accounts be sure to take into consideration: minimum initial deposit, minimum balances required, interest rate, monthly fees, ways you can access your money, free services (like checks) and number of transactions per month required or allowed. Like I said we chose Capital One's MMDA. It has NO minimum balance, NO monthly fees, free checks, and limited withdrawals. We've been very happy with them. If you have any questions let me know. And, no, I don't work for Capital One nor are they paying me for this glowing endorsement. Unfortunately, they don't even have a referral program! :)]

February 16, 2010

Websites, Passwords and User Names... Oh My!

I visit a lot of websites. Often sites ask you to register so you can get special member only features or freebies or coupons. I used to frustrate myself by registering but then forgetting which email address I used to sign up, my user name, or password when I went back later.

To keep track I write down the info on a 4x6 index card. I file them alphabetically (by site) in an index card box. Now when I go back to a site and need to know my user name or password I just look it up quick instead of having to request the information by email. I also jot down any other info that might be helpful for that particular site (birthdays I used, security questions & answers, etc.).

Another tip is to have the same password for all these sites. Now I am not talking about your online banking accounts here! I am talking about sites like BettyCrocker.com or sites that don't include important personal information. Pick one password and stick with it...that way you'll always know your password. Most sites require at least one number in your password so throw in a number for good measure. :)

Sometimes your user name is your email address so if you plan on signing up at several sites create an email address just for that purpose. Having a junk email address keeps your regular inbox from being filled up with a bunch of special offers and ads.

I think I have mentioned this already to but just in case, I also don't use our real birthdates when filling out those forms. I just add one to the month and date and leave the year the same. It is to the point now that I am starting to think my birthday really is June 26th!

My hubby even has a few cards in the box. We keep it in the cupboard right next to the computer so it is easily accessible.

My Black Box
with cheesy, fake example card

February 10, 2010

Menu Planning

Want to know my number one money saving tip when it comes to groceries? And no, it's NOT coupons! [Although I love coupons and get almost all our toiletries free because of them.] The best way to save money on groceries is... menu planning!

I didn't use to feel that way. I wondered why everyone said making a menu saved them money. How can you save money if you make a menu and then go buy the needed items even if they aren't on sale? That wouldn't save you any money!

But I had it all backwards. To save money using a menu... DO NOT plan a menu and then go shopping for the needed ingredients. Shop, taking advantage of the deals and sales, then plan your menu around what you have in your pantry and freezer. That way you are getting the best deals and using what you have. Always keep an eye out for sales on the items you use most. When you see a good deal...STOCK UP!

Here are a few additional links to help with menu planning if you are interested:
Family Grocery Budget
Menu Planner
Money Saving Mom
The Simple Dollar
Organized Home

November 4, 2008

Helpful Coupon Definitions and Abbreviations

  • Catalina - coupon that comes out of machine at checkout
  • CRT- cash register tape or receipt
  • Double Daze - the days Copps let you double 5 coupons with $25 purchase
  • Double Double Daze - the days Copps let you double 10 coupons with $25 purchase
  • DND - Do not double
  • ECB - Extra Care Buck(s), the name of the instant rebate that print with your receipt from CVS, use it like a gift card to pay for another purchase
  • FAC - Free after coupon
  • FAR - Free after rebate
  • GM - General Mills
  • Insert - Booklet of coupons found in the Sunday newspaper
  • IP - Internet printable
  • IVC - Instant value coupon, Walgreens monthly coupon found in their monthly booklet.
  • MC or MQ - Manufacturer Coupon
  • MIR - Mail in rebate
  • MM - Money Maker, a deal where after coupon or rebate you get overage
  • OOP - Out of pocket
  • Overage - item costs less than coupon value but the whole amount comes off your total
  • OYNO - on your next order
  • PG or P&G - Proctor & Gamble Sunday insert coupon
  • Printable - a coupon that you print from the internet
  • PSA - prices starting at
  • RC - raincheck
  • Rebate - mail in offer that refunds your money when you purchase a specific item
  • RP - Red Plum Sunday supplement coupons
  • RR - Register Reward, the name of the instant rebate or Catalina that prints from Walgreens, use it like a gift card to pay for another purchase
  • SMP - Specially marked packages
  • SS - Smart Source
  • Stacking - using more than one coupon per item
  • TMF - Try me free, a form that you mail in to receive full purchase price back
  • WYB - When you buy
  • YMMV - Your mileage may vary - the success of the attempt may vary