Showing posts with label Shawnee Outlook. Show all posts
Showing posts with label Shawnee Outlook. Show all posts

Wednesday, April 3, 2013

Keep the Change: Couponing Basics


(Photo Source: Office.Microsoft.com)

While most people know of coupons, pop-culture has turned super-couponing into a nightmare for many. While spending hours clipping and planning can give you a high pay-off, it’s not necessary if you’re new to couponing and just want to save a little green. Here’s how I do it.

1.       Find coupons. The newspaper is the most obvious place to look, but you can also check the internet at places like coupons.com or smartsource.com. You can also head to the websites of your favorite brands and search for coupons there (or if you’re brave, contact them directly to request coupons).

2.       Store coupons. You may have heard of the Binder – I have one, but I don’t use it as much these days. Instead, I keep 12 folders – one for every month. When I get my paper, I label each coupon insert boldly with the date and put it in its appropriate folder.

3.       Match coupons to sales. Let someone else do your work for you by checking out money-saving blogs for match-up posts. They will tell you what’s on sale and where to find coupons to match. To find these blogs, do an internet search for the name of the store you shop and the term “match-up.” Many of these sites also have great tips for using store reward programs. My favorite site for Homeland match-ups is SimpleSavingSavvy.net.  For CVS or Walgreens, I head to Hip2Save.com.  For tips on how to interpret the strange language of coupon match-ups, check out an old post of mine here.

4.       Cut/Print only the coupons you need. When I look at the match-ups for the week, I make a list of sale items I need/want and the coupons that go with them. I then print those or pull out the appropriate coupon folder with the right insert, clip the coupon I need and put the rest back.


Thursday, February 7, 2013

Keep the Change: App-Tastic Savings


A copy of my latest column for the Shawnee Outlook (with a few extras added in, like links!):

If you have a smart-phone in your pocket and you haven’t been using it to help you save money, it’s time to put that data plan to work! Here’s how:

Keep Track of your Grocery List: As I’ve mentioned before, using a list keeps your shopping (and your budget) on track. Using your phone to maintain your list ensures you won’t be caught in the store trying to remember what you wrote on that paper you forgot at home. There are various apps for this purpose, but my personal favorite is Cozi because it can be shared with multiple users, so my husband and I can both access/update the list at any time!  You can also use Cozi straight from your computer (which is how I build my list!), where you have access to great meal-planning tools, too!

Compare Prices: Next time you’re in the store debating on whether that great deal is such a great deal, pull out your phone and scan the barcode of the item in question with RedLaser (click here for Google Play) to check instantly on the lowest prices near you and on-line! And if you’re looking for the lowest price on fuel (and who isn’t?) check out GasBuddy (click here for Google Play) for up-to-date prices based on your location.

Grab Coupons: Various stores, such as Staples, offer free apps that include great in-store coupons. Old Navy’s Snap Appy frequently includes coupons for $5 or $10 off ANY purchase just for snapping photos of their logo (find them in-store or pull one up on-line) - I have earned a fair amount of FREE clothing for my whole family thanks to this app (and great clearance sales)! Also, download SavingStar to access “coupons” that give you cash back for your purchases at Homeland, CVS and others.  Ibotta is new to me, but it's similar to SavingStar, allowing you to earn cash-back for items you purchase in-store (currently CVS and Wal-Mart are on the list!).  

Get Rewarded: A variety of apps offer ways to be rewarded  for things you regularly do. Try Shopkick and Checkpoints (you can use bonus code arow97 to give me credit for referring you, but it's no big deal!) to earn points for shopping in-store or Viggle if you’re an avid television fan.
               
These are just a few of the ways you can put your smart-phone to use for more than just staying in touch! 


Monday, November 5, 2012

Keep the Change: Navigating Black Friday

Welcome to the Enhanced Version of this month's "Keep the Change" written for the Shawnee Outlook:


As we near the holidays, we simultaneously approach the biggest spending time of year and the biggest savings. Of course, it’s well known there are great deals to be had on what is known as Black Friday. However, this can be a tricky day, especially for new savers. For those who’ve wanted to take part in the sales, but have been too scared to dive in, here are a few tips to getting some deals and keeping your sanity.

First, know what you’re getting. Browse ads on-line at sites like blackfriday.com or bfads.net. Be aware – just because something is in the ad does NOT guarantee it’s a great deal. If your savings will be less than 30%, you may be better off simply waiting for a coupon.

Next, grab a partner (you can split up to hit the store hot spots) and get there early, but not too early. True, if you want the hottest electronics, you may need to stand in line for days. Otherwise, 20-30 minutes is probably early enough to snag most deals.  Also, if you're shopping Wal-Mart, you can find a map of your local store on their website so you know where to head to get the things you want - often the Black-Friday-specific sales items are NOT located where you might expect (DVD's in the Dairy Section?!), so go in prepared!

If you’re not an early bird, keep in mind some stores which offer price-matching still honor this policy on Black Friday. This means you can take one store’s ad somewhere else, where everyone isn’t competing for the same thing, and still get your awesome price – and you don’t have to be there at 3am. Likewise, many stores also offer their sales on-line – so you stay can stay home and do your shopping in your pj’s (though be prepared for these to sell out quickly) – or even wait for Cyber Monday the following week.  If you're shopping on-line, be sure to use a site like Ebates or Shop at Home to get further cash-back on your purchases!

Finally, be sure to head out to your favorite local business the following day in honor of Small Business Saturday – keeping our spending local helps everyone!

Monday, October 15, 2012

Keep the Change: Costumes on a Coin


A copy of my latest column for the Shawnee Outlook (with a few extras added in):

Halloween is just around the corner and whether you Trick-or-Treat, head out to a Fall Festival or simply need a quick costume for a school celebration, everyone wants to know how to get a costume in a pinch. Let’s be honest, we don’t all want to be parading ourselves or our children around in the same plastic get-ups from the local store, but we’re not necessarily wanting to shell out the cash for a big-ticket ensemble either. The easiest answer? Make your own!

These are the classics I’ve pulled out in years past:

Clown – The best part of this costume is there are no set guidelines - grab some cheap facepaint and mis-matched clothes and you’re good to go.

Hippie – Seek out flared pants from your closet or the local thrift store, find a tie-dyed shirt (or make your own!), slap on some colored sunglasses and a scarf tied around your forehead and you’re groovy!


Or, think outside the (cardboard) box! One of these, with arm and neck holes cut out, can create any number of things – a robot, a Lego(use foam cups for the round parts), a pair of dice (grab a friend!) – use your imagination.  Look on-line for other great ideas!



Hot right now for girls is the use of tutus for just about any costume. Grab some inexpensive tulle and elastic, search out a tutorial on-line and you’ll have yourself half of just about anything, from a mermaid, to a fairy, to a superhero!


And, finally, animals of any kind are so simple to re-create with a sweat-suit, construction paper and (if you’re feeling fancy) face paint.

So get creative, see what you have and, remember, more important than what you’re wearing, have FUN!

Looking for more great ideas?  Check out this blog for tons of cheap, creative costume tips!