Saturday, August 30, 2008
With the $10.00 off if you spend $40.00 coupon worked pretty well. Here is what I was able to get...
- 2 Pert Plus @ $4.99 each (minus) 2 $3.00 off coupons (equals) $3.98 (I love Pert Plus and had already received my free ones from Walgreen's and Rite Aid :))
- 3 Walgreen's 52 ct diapers and 1 60 ct diapers for $2.74 each (total) $10.96! These were on an endcap marked clearance regularly $10.99! I am bummed though, I just realized I could have used the $5.00 off 2 from the August Easysaver, ugh! - but this was an awesome deal just the same.
- 1 Men's Nivea Body Wash @ $4.99 (minus) $1.00 off coupon (equals) $3.99 - will receive $4.99 Easysaver rebate for September (equals) FREE + $1.00 overage!
- 1 Crest Pro Health toothpaste $3.79 - will receive $3.79 Easysaver rebate for September (equals) FREE!
- 1 Revlon Nail Polish $4.49 - will receive $4.79 Easysaver rebate for September (equals) FREE!
- 1 CoverGirl eyeliner pencil $3.79 (minus) $1.00 off coupon (equals) $2.79 (not a steal, but I really needed one :))
- 1 Russell Stover box of "Urban Chocolates" for $2.99 - this was on clearance, regularly $5.99, and I got it for a gift for a family member.
- 2 Walgreen's Sour Gummy Worms $1.00 each - this is also not a bargain, but a necessity :). I love these things!
- 1 Huggie's Diapers @ $9.49 (minus) $1.50 off coupon (equals) $7.99 received $2.00 register reward for my next purchase (equals) $5.99 - this was a decent deal, not as good as the Walgreen's diapers I found, but I can't use store brands on my son, they don't hold enough for him!
So, my total OOP was $36.78.
I received $2.00 in Register Rewards
I will receive $13.27 +10% back on my Walgreen's giftcard = $14.59
Net I will have paid = $20.19
I'm happy with that!
Do you want to find out what great deals others have found at drugstores? Check out The "Cents"ible Sawyer's Drugstore Divas! I love her blog!
Also, I am hosting a giveaway this week, you could win a $25.00 Target Gift Card click here for details!
Thursday, August 28, 2008
This is only good tomorrow and Saturday.
So...get your own Walgreen's $10.00 off coupon here.
Wednesday, August 27, 2008
-Free eraser set from Malfinity here.
-Free calendar from Women's Health.gov here. These do not ship until December 2009, but reserve yours now!
-Free sample of Orville Redenbacher's snack cakes here.
-Free sample of Fiber One Cereal here.
-Free sample of Al's Pistacios here.
-Free sample of Cascade All in One and Mr. Clean Magic Eraser here.
-Free sample of Bounce Awakenings dryer sheets here.
-Free trial of Tutor.com here.
-Free sample of Sunsilk hair care here.
-Free sample of Old Spice body wash here.
-Free box of Touch of Gray Men's Hair Color here.
Tuesday, August 26, 2008
- Get the Sunday paper - this is an obvious one, but wait until you can get a good deal. In Boise, the Idaho Statesman is $2.17 per week, but I was able to get it for $1.00 per week on a special at the fair. Until I got my good deal, we were getting our paper from a machine for $1.50.
- Put the word out that you are a coupon clipper. Many people get the Sunday paper and throw out the coupons! I have let family, friends, and co-workers know about my "couponing" and many times there are several inserts on my desk when I come in on Monday. My family members often give me their inserts as well.
- Join a Coupon Train I just heard about this recently, basically you are assigned to a group of about 6 people and person 1 sends a stack of coupons to person 2 who takes what they want, adds what they won't use and sends to person 3, person 3 to person 4, etc. I just joined a group through yahoo here. My group is from all across the country and the person before me e-mailed me to ask for my "wish list!" I can't wait to see how this works out!
- Print Coupons from the Internet I am not huge on this because I have had problems at different stores not accepting printed coupons, but many people have great success with these. There are TONS of websites that offer printable coupons, just google it!
- Request Coupons Direct from the Manufacturer I have not tried this either, but have heard of others who have e-mailed companies asking for coupons with great success.
- Take Advantage of Free Samples You can get free samples from many different places, see my previous post. Most of the time these samples come with some great high value coupons that you can use to purchase the items later. I just received 4 $2/off coupons from Pampers along with a free diaper sample.
- All You Magazine I have recently discovered this as well, this magazine has some awesome coupons in it each month. You can purchase it at Walmart for $1.77 each or you can get a subscription and get it delivered to your mailbox. Money Saving Mom posted this great deal that she found for a subscription.
- Buy Coupons on E-bay I have had some success with this, I purchased 100 random coupons for $2.24 from one auction. I have already used over $5.00 from the coupons I recieved, so it was worth it to me. Be careful not to spend too much.
- Dumpster Dive at the recycling center. I have not tried this either, but have heard of others who have. I do check the recycle bin at work (I have found coupons there before), but that's as far as I go.
Sunday, August 24, 2008
Purchase 2 Pledge Dusters: 2 for $4.00 (minus) $2.00 single check rebate (minus) $1.00 off any pledge Multi Surface from recent insert.
FREE if you have two coupons or $.50 each!
Purchase 2 Shout 22oz Stain Remover: $2 for $4.00 (minus) $2.00 single check rebate (minus) $.75 off any Shout product from recent inserts.
$.25 each if you have to coupons or $.63 each!
Purchase 1 Pert Plus 13.5 oz: $2.99 (minus) $2.00 single check rebate (minus) $2.00, $3.00 off Pert Plus from recent inserts.
$.99 if no coupon, FREE plus overage with $2.00 or $3.00 coupon!
There are also still some great school supply sales this week - check out their weekly ad to find yours!
Albertson's (only until Tuesday 8/26/08!)
Ken's Salad Dressing or LITE Accents: 2 for $4.00, purchase 1 use $2.00 off 1 Ken's from recent insert. (I only have one $2.00 coupon and several $1.00 coupons from recent inserts, so I will be purchasing several and paying $1.00 for some.)
FREE or $1.00 each!
SunMaid Raisins: 10 for $10.00 use $1.00 off 2 from recent insert
$.50 each after coupon!
Fred Meyer this week - most of these items require a store coupon. If you don't have a weekly ad, you can get these at the front of the store before shopping. Bring your scissors!
Purchase 6 Big K (store brand) 12 packs of soda: $10.00 - store coupon required.
$1.66 per 12 pack!
Van Camp's Pork and Beans 15 oz: 3 fr $1.00 - store coupon required. I have not seen manufacturer's coupons for these.
V05 Shampoo and Conditioner: $.79 each - store coupon required. I have not seen manufacturer's coupons for these either.
Peaches and/or Nectarines: $.88/pound
Check out Money Saving Mom's list of great deals this week from Walgreen's (and CVS if you are lucky enough to have one in your area!)
Have you seen any other great deals around town? Please share!
Thursday, August 21, 2008
My credit union, Idahy Federal Credit Union, is big on educating members. They have many links to information that can help your financial future. Check your credit union for money and time saving links and/or discounts. You will be amazed at what they have to offer.
One link on Idahy’s website (and probably your credit union's website and if not is available to you as well) is a link for a free credit report. I have to preface this by saying it is NOT the “Free Credit Report dot com” that you hear about on TV, which does offer a free credit report, but you have to sign up for another paid service. NEVER go to that site for your credit report. You are actually entitled on one free credit report each year from each of the 3 credit reporting agencies - no strings attached. This was a government program instituted to help consumers be proactive about checking their credit for ID theft. I recommend checking your credit report on a regular basis to look for identity theft, but also just to look for errors (you would be amazed to know how many errors are on credit reports - old information, double reported accounts, etc!). Because you can get a credit report from each of the three agencies each year, I recommend getting a free credit report every 4 months (example: January – TRW, April – Equifax, August – Trans Union). This would ensure that you were checking your credit on a regular basis and you would be able to take advantage of all of your free credit reports during the year.
Again, you don’t have to be a member of Idahy to utilize this service. Click here for the details. Good luck!
Wednesday, August 20, 2008
Click here to download the mail in rebate form for your entire purchase price of Arm & Hammer essentials cleaner.
Click here for FREE Health Information, discount information, and FREE samples (this will require you to take a short survey).
Click here for a FREE sample of Enfamil Formula.
Thanks to Mommy Snacks for the link to FREE samples from WalMart - supplies are limited for most of these so get yours now (Tampax, Kotex, Scott Toilet Paper and others)!
Monday, August 18, 2008
Sunday, August 17, 2008
I am curious to see how other frugal people are feeling about this change. Please leave your comments...
Saturday, August 16, 2008
Friday, August 15, 2008
August '07 - $563.91
September '07 - $610.53
October '07 - $634.52
November '07 - $559.33
December '07 - $114.65 (great month!)
January '08 - $457.67
February '08 - $499.57
March '08 - $582.95
April '08 - $559.81
May '08 - $666.50
June '08 - $989.16 (YIKES!!!!)
July '08 - $443.36
August '08 - $211.21
Overall total for the past 12 months - $6,893.17!!!! I have been throwing our money down the toilet!
I do have to mention that those prices included all household products, baby formula, and diapers for 2 kids - but still! This is ridiculous. The numbers speak for themselves. So now, my current goal is $60.00/week, which is kind of high from what I've seen on other blogs (see my link list), but I have to start somewhere. So, my frugal journey has begun - thanks for being here for the ride!
Thursday, August 14, 2008
A few years ago I taught a dating class at church called - Re-discover your mate...go on a date! These are some of the ideas that I shared with the class (these are from coolestdates.com) - pick out a few ideas and have fun with your husband or wife or significant other. Enjoy!
Natural Scenery: The beauty of nature is all around us and it doesn't cost a dime. Whether it's a trip to the beach, a walk in the forest or a search into a cave, it can be done together for practically nothing. Take the time to find the natural scenic spots in your area and utilize them for your dates.
Sports: If you and your date are both athletic, sport activities together can be a great way to spend your time. Play a set of tennis, jog in the park, toss a Frisbee about, play catch with a baseball or football or shoot some baskets. Whichever you choose, you can spend quality time at minimal cost and get some exercise in, too.
Picnic: Picnics are great for dates because they can be taken along wherever you plan to go for the day and they cost a fraction of going out for a meal. They also can be made as casual or as romantic as you want. Take a casual picnic meal, add some cheese & wine along with a red rose and the picnic instantly takes on a romantic feel.
Historic Places & Buildings: It seems the only time people go looking at the historic landmarks near where they live is when visitors come from out of town. Many of these historic or culturally significant spots have no or small entrance fees and make a great place to go on a date. You also get to learn more about the area you live.
Meal/Evening At Home: Cook up a meal at home and spend the evening watching movies or some other activity such as a board game. The meal most likely will be better than at a restaurant and the evening will cost a fraction of what going out to dinner and a movie would cost. Cook the meal together to spend even more time together, or do it yourself as a special surprise.
Memory Album: Take your camera or purchase an inexpensive disposable camera and make a day of taking photos together. Make a theme for the day if you want or just take any crazy photo that comes to mind. Once finished, get the photos 1 hour processed and create a memory album together for the day that will live on forever.
Museums: If you have museums in your area, they can be an excellent place to enjoy an inexpensive date. Admission prices are usually reasonable and often they have discounts for those attending a number of events over the year.
Learn A New Skill: Gather some information on a skill you always wanted to learn and spend a day practicing it together. It could be a day of learning card tricks, learning how to juggle or learning to make bird calls. Any skill you have always wanted to try can make a fun and interesting date.
College Events: If you live near a college or university, utilize their resources for your dates. Guest lectures, music recitals, art exhibitions and plays are common and are often free of charge. The quality can be excellent and the variety enormous.
Hobby Together: You can set a regularly scheduled date if the two of you have a hobby you both enjoy. You can look in the local community newsletter to see if there are classes being offered in something that interests both of you. These classes are usually quite inexpensive and the two of you can enjoy a few hours each week together learning something new.
Local Thrift Shop Date: Plan a date someplace where there are a lot of people. Before going, head down to the local thrift shop together. Once there, specify a small amount of money to purchase clothing or accessories for the other and both head off in different directions. The goal is to find items the other has to wear for the rest of the day/evening within the price specified. The entertainment is seeing the reaction from all the people who see your new outfit as you wander the crowded area. Or just go to the thrift shop and see what you can get for a small amount of money - and who can make the most of the money.
Follow Them Date: As the two of you meet, you look around and pick somebody out on the street. The date is to follow that person where ever he or she goes. Once that person has stopped or you can no longer follow them, pick another person to follow. Your bound to have loads of laughs as you attempt to stay with your designated guide.
Scavenger Hunt Date: When your date arrives, have him or her make a list of what he or she considers to be 20 unusual items. Once the list is made, the date will be to try and find as many of those items as possible. We have done this with friends, but had a list of items that we had to take a picture of with our digital cameras - it was loads of fun!
Truth Or Dare Date: Pick some spots in your area to visit, but play truth or dare along the way. It doesn't really matter where you go since the entertainment is doing the various dares that the other gives in addition to telling all the truths.
Just sit in a busy bus or train station, airport, or park, and watch people. Occasionally say "hi" and be sure to wave. You will get responses.
Go to the children's section of a library or bookstore and read children's books to each other.Play hopscotch in a vacant parking lot or an empty school campus. Later return home for a bubble gum blowing contest.
Find a muddy area, dress in your grubbies and have a mud fight. For groups, take along a rope for a tug-of-war.
Make a couple of pans of brownies. Then drive to various friends' houses and deliver a brownie or two to each friend and visit for a while. When it becomes too late to be visiting people, go home and finish off the brownies.
On a sunny Saturday morning, travel around the countryside and photograph special sites and serene scenery.
Go to a free concert at a mall or local school.
Spend less than one dollar for dinner and movies. Go to the grocery store to sample free food items. Then go back to your house to watch a video. Snacks that you can scrounge from around the house don't count against the dollar.
Form a group of inner tubes of all different sizes, from tractor to car . Float down a nearby river.
Cheer on a mutual friend. If the two of you have a mutual friend who is playing in a game or a concert at school, attend the performance together to cheer your friend on.
Take a stroll around the block -- and hold hands as you walk.
Put together a puzzle on a rainy evening.
Spend an evening looking through your date's picture books and high school yearbooks. Find a comfortable place in the home free from distractions to sit down together. While looking at the picture books, try to guess what's happening, where the picture was taken, what time of year it was, etc., before looking at the description sentences. The pictures in these books will be lots of fun for the person showing them. This is also a guaranteed night of laughing together. You will learn a lot about that person as they tell you the stories and experiences behind each picture.
Clean an attic, basement or garage that no one has touched for a long time. Grandparents' houses are perfect places for this.
Lie on your backs on a grassy hill or meadow and pick out cloud formations.
Monday, August 11, 2008
3 Kellogg's Rice Krispies Treats, $1.67 each, - $1.00/2 coupon=$4.00
2 Kellogg's Poptarts, $1.67 each, - $1.00/2 coupon=$2.34
2 Kellogg's Yogo's Fruit Snacks, $1.67 each, - $1.00/1 coupon, - $1.00/1 coupon =$1.34
2 Keebler Cookies, $1.88 each, - $1.00/2 coupon=$2.76
Total = $13.44 - after $10.00 mail in rebate - $3.44!
Friday, August 8, 2008
- The events calendar at KTVB channel 7
- The events calendar for the Idaho Statesman
- Boise Public Library
- The Garden City Library
- Settler's Park - they have a drive in movie every Friday all summer and a fun free water feature that runs from 11:00-9:00 daily!
Also, check for free or discount days at your favorite hangouts. In Boise, the Boise Zoo is discounted every Thursday. The kids are still free - until my son turns 3 - so we can go for $4.00 and pack a lunch and it is a cheap fun day for us!
Thursday, August 7, 2008
Each year many consumers throw away thousands of dollars to their financial institution for services that should be free. As far as banking goes, I belong to a credit union. At first I joined a credit union because my parents were members of a credit union forever. That was before I went to work in the credit union industry nine years ago and realized the dramatic differences between the philosophies of credit unions and banks.
-Banks are for profit
-Fees are generally their largest income generator
-Banks must please their stockholders – by making as much money as possible
-Credit Unions are not for profit
-Loan interest (not fees) is generally their largest income generator
-Credit Unions must please their members – they are the owners of the credit union
Credit Unions are not for profit – this is truly a unique feature of credit unions. All income that is generated by the credit union goes back into providing lower rates on loans, higher rates on savings, and improving technology. Credit unions must generate income to stay competitive – they have to be able to provide the convenience services that banks can provide (Online Banking, BillPay, ATM/Debit cards etc.).
Fees – In general, the amount of credit union fees are much less than standard bank fees. The insufficient funds fee at the credit union where I work is $23.00 per item. At one of our local banks, the fee is $35.00 per item up to a certain number of items, then increases up to $39.00 after that number of items is reached. Many banks charge a fee to speak to a teller or to make a deposit in the branch while most credit unions do not charge a fee for these types of services.
Credit Unions must please their members – A credit union is a financial cooperative designed to fit the financial needs of a specific group of people. That is why you see Fireman’s credit unions or Postal Employee credit unions, etc. For many credit unions, that group of people is a zip code, a county, or a community. These people have a common interest (the group) and through a credit union they can help each other. Some members have borrowing needs, others have saving needs. Credit unions use the “saver’s” money to loan to the “borrowers” pay a dividend to the “savers” and earn income from the “borrowers” which in turn is used to improve the credit union. This is such an amazing philosophy.
How can you find a credit union to join? Check with your employer, friends, family members, and the internet to see what options are available. In the Boise Area, I recommend Idahy Federal Credit Union . I have worked for Idahy for the past 9 years, they truly put members' needs first! When you find a credit union in your area, compare rates, fees, and products with your bank. You will be pleasantly surprised with how much green you can save and how easy it can be to make the switch!
As you can see, I am very passionate about credit unions. They truly are the best option for everyone. Look for many future posts about ways to maximize your credit union membership and save some green in the process!
Wednesday, August 6, 2008
Some of the best deals I see are:
Jolly Time Microwave Popcorn - $.50
Starkist Tuna - $.50
Kraft BBQ Sauce - $.50
Kellogg's and General Mills Cereals - $2.00 (use your MFG coupons to bring this cost down even further)
The important thing to know and remember about Albertson's is that generally it is a more expensive store and you have to look closely for the great deals. They claim everything is a great deal, so make sure it actually is - for example Pop Tarts for $2.00 doesn't get me too excited! Also, just remember that you must use your Albertson's Preferred Card to get these great deals and their sales run from Wednesday to Tuesday, so these sales are good through Tuesday, August 12th.
Tuesday, August 5, 2008
Saturday, August 2, 2008
Purchase 2 gallons of any type of milk and get up to 5 boxes of Post cereal for $1.19 each! This is a sweet deal that can be made even sweeter if you have the post cereal coupons from the recent insert. You must have an Albertson's Preferred Card to get this deal.
Here is what I was able to get:
2 gallons Good Day milk - $2.99 each
1 Post "Just Bunches" cereal - $1.19
1 Post Cocoa Pebbles cereal - $1.19
2 Post Honey Bunches of Oats - $1.19 each
1 Post HoneyComb - $1.19
Coupons=$1/1 Just Bunches, $1/2 Post "kid" cereals, $1/2 Post Cereals
Overall total after coupons=$8.93!
This special is going on until next Tuesday, August 12th, and you may do it multiple times. When they do this special I usually do it at the beginning of the sale and the end - because I don't have the room for so much milk!
Friday, August 1, 2008
- Go early, the "good stuff" is usually gone at the beginning of the sale. Although, sometimes you can get better deals at the end of a sale - people are tired and willing to bargain just to get rid of stuff.
- Carry change and small bills, this makes it easier on you and the seller.
- Be willing to bargain - I have been able to ask for less than what people are asking on many things and get a better deal. One of my best deals that I bargained for was my son's twin bed - I got a Sealy matress, box spring, and headboard for $15!
- Make a list of items you are looking for - or better yet - give this list to your yard sale-ing friends, when they find an item you want they can pick it up for you - and vice versa for them. My boss makes gift baskets for a charity event that she does every year and picks up most of the contents of the baskets from yard sales. Last year, she gave me a list of items and $20.00. I was able to find all sorts of things items, still in the package for her baskets.
- Buy only items that you know you will use - or that you can resell for a profit. It is never a good deal if you spend the money on something then it sits in a closet gathering dust!
- Look for neighborhood sales or entire subdivision sales. This is a gas and time saver.
Bottom line, I have saved hundreds of dollars by shopping at yard sales and you can too. I have purchased most of the clothing for both of my kids, children's toys galore (I have never purchased new toys for my kids), a patio umbrella (for $5!), dishes, books, cookbooks, furniture, etc, etc, etc!