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Posts Tagged ‘Frugal Tip’


Taking advantage of rainchecks

Tuesday, March 17th, 2009

When a store has a sale and that item is out of stock you are usually entitled to a raincheck which will allow you to purchase the that item when it is re-stocked at the sale price.

This can be a great adantage for coupon shoppers as this will allow you to find, trade, or order from a coupon clipping service additional coupons so that you can stockpile that item.

Savvy coupon shoppers know that the store does not need to be out of stock of all the varieties offered in the sale flyer but instead look for just one flavor or type to be sold out and request a raincheck from the cashier or customer service desk. So for example if Pepsi 2-liters are on sale this week for $0.79 each, but the store is out of stock on just the Wild Cherry flavor you can ask for a raincheck because the store is out of stock. Usually they will write you a raincheck for any flavor, although sometimes they will indicate that you can only purchase the flavor that is out of stock.

Unless there is wording on the store sale flyer that indicates that the sale is limited to stock on hand or other such wording then by law in most states the store must issue a raincheck if they are out of stock or offer the consumer a substitute product. So extend your buying time by looking for out of stock items in the grocery store that are on sale and ask for a raincheck. Some rainchecks never expire while others, depending on the store policy expire within 30 days. This is plenty of time to aquire more coupons and stock up!



Check it out! Public library can be a money saver

Thursday, February 19th, 2009

Your local library can be a great money saving spot to put in your arsenal of ways to save money. Everyone can obtain a library card for FREE. All that is usually required is proof of address.

Here are some of the many ways you can save by utilizing your library:

  • Instead of purchasing books, borrow them instead. If your library does not carry the book you are looking for speak to a librarian to see if they have a way of obtaining the book you want. Most libraries can do what is called an inter library loan by which your library borrows a book from another library.
  • Borrow DVD’s and CD’s. Most libraries carry a nice selection of movies and music which you can check out for loan for free.
  • Catch up on your favorite magazines and newspapers by borrowing them from the library. Sometimes the newspapers are not available for check out, but you can still read them there at the library.
  • Cut your internet bill by using the computers at the library. If you don’t have a computer at home or are considering the need to cut this bill from your budget you can still access the internet from your library. Most libraries have a time limit and waiting times can be long for heavy use times, but if you just want to pop online once in a while to do some research or check emails this can be a viable option.
  • Print, copy and fax. Many libraries offer the use of printers, copiers and fax machines often for a nominal charge of 5-10 cents per page. This is usually cheaper than using a service like Kinkos.
  • Learn something or just while away a few hours by taking advantage of the classes, art shows, lectures, story times (for children), book clubs and other activities offered at most libraries. To find out what is offered at your library just ask a librarian for a calendar of events or check online.

I am fortunate to live right behind the library and my children and I spend on average 5-10 hours a week at the library checking out books and movies and taking part in the free activities offered there. If you don’t know where your local library is check out publiclibraries.com



Write off the cost of tax preparation software or fees as a deduction

Tuesday, February 3rd, 2009

Software such as Turbo Tax or even the fees you paid to a tax professional such as H&R Block or your accountant can all be deducted in your following year taxes.

To find more information about itemized deductions check out this page on the IRS website.



Keep your drains flowing

Monday, February 2nd, 2009

Sprinkle ¼ cup baking soda in your drain, followed by 1 cup vinegar. Let sit for 15 minutes, and then flush with a pot of boiling water. Doing this treatment to your drains once a month can help avoid major backups of clogged grease, soap, and hair which can prevent costly plumber visits.



Conserve power with your computer

Sunday, February 1st, 2009

Set your computer to sleep mode with it’s not in use. To power it back up, simply click the mouse. This feature can cut your computer’s electricity use in half, saving you $25.00 to $75.00 a year!

To enable sleep mode in Windows, go to Start, then Control Panel, then Power Options.

On a Mac, go to System Preferences, then Energy Saver.



Invest a few bucks into a paper shredder to protect yourself from identity theft

Saturday, January 31st, 2009

A paper shredder is a smart investment and can be found in most big box retailers or online for as little as $15.00. Use it to shred your junk mail, credit card offers and other important documents that you no longer need to keep for your personal records. Put the shredded paper out with your regular paper recycling or put it to use. Line a small animal’s cage with paper shreds, put the shredded paper in your compost bin, or use the shredded paper as a fire starter in your fireplace.



Thrifty tips for using the ends of bread

Friday, January 30th, 2009

Sometimes the loaves of the ends of bread won’t get used for toast and sandwiches. But don’t toss them instead here are a few frugal tips to get them used up.

* Bread crumbs - Toss them in a freezer bag and store in the freezer. Once you have a bag full of ends saved up. Spread the slices of bread in a single layer on a baking sheet and dry in a low temperature oven (250 degrees) for an hour or so until the bread is dry and crisp yet not toasted. Whirl the dried bread in a food processor or blender and store bread crumbs in a air tight container. Use in recipes that call for bread crumbs such as meatloaf.
* Feed the birds - Again save your bread loaf ends in a freezer bag in the freezer. Once you have a bag full find a local park or pond and feed the ducks, pigeons, or other local birds. This is a fun frugal activity to do with your children.
* Bread pudding - Bread pudding originated as a frugal recipe to use leftover stale bread. With a few basic ingredients like stale bread, eggs, milk, and spices like cinnamon and nutmeg you can make a simply hearty dessert.
* Croutons - Save bread ends in a bag in the freezer till you have a bagful. Then thaw bread, cut into cubes, toss in olive oil or melted butter. Season with your favorite seasonings such as garlic salt, oregano, thyme, or whatever peaks your fancy. Spread cubes of seasoned bread onto a baking sheet and toast in an 350 degree oven for 30-40 minutes stirring occasionally to prevent burning and even toasting. Store cooled croutons in a air tight container or bag.

Find more tips here!



Save butter wrappers for buttering your baking dishes.

Thursday, January 29th, 2009

When you open a stick of butter, toss the wrapper in a zipper freezer bag and store in the freezer. Next time you need to butter a baking dish whip out a butter wrapper from the bag and use it to butter your dish.



Tips for making a few extra dollars

Monday, January 19th, 2009

Times are tough right now with the economy in the US and many people are looking for ways to make a few extra dollars to help strech the budget. Here are few tips to earn a little extra cash:

* Hold a yard sale, get rid of unwanted clothing, toys and household goods by throwing a yard sale.

* Tutor, consider offering your talents as a tutor to a child struggling in school.

* Sell unwanted items on eBay or Craigslist, great for when winter weather prohibits an outdoor yard sale.

* Do paid surveys online, many online surveys pay cash for a few minutes of your time.

* Become a mystery shopper and get paid for evaluating local restaurants and stores.

* If you are crafty, consider selling your handmade craft items, craft fairs, church bazzars and online sites such as etsy.com can be a great venue for selling your homemade craft items.

* Consider selling your blood plasma, desperate times call for desperate measures, search America’s Blood Centers for a local plasma center,

* Teach a class, think about what your talents are and look into teaching a class at a local community center.

* Hold a bake sale

* Recycle cans and bottles, take your recyclable items in and earn extra cash and save the planet too! You can also try working out a pick up for empty bottles and cans at local bars and restaurants.

* Get a part time job, delivering pizza or the newspaper can be a great way to earn a few extra bucks.

* Baby-sit or pet sit, offer yourself on the weekends to pet or baby-sit.

* Save change in a jar, you would be suprised at how fast it can add up! When you are ready to cash it in, look for a bank that offers free coin sorting. CoinStar machines cost a fee, but if you put the balance on a gift card they waive the fee.

* Write articles for Associated Content

* Sell your hair at The Hair Trader

Some of these ideas may be a bit extreme to some people but if you are needing cash and are willing to put forth the effort it can be done! Find more great frugal living tips in our Frugal Living Forum



Make your own homemade baby wipes

Sunday, January 18th, 2009

You can save lots of money with this frugal “recipie”

Ingredients:

* 1 cylinder shaped plastic container
* 1 roll of paper towels
* 2 Cups Boiling Water
* 1 TBSP. Baby Bath
* 1 ½ TBSP. Baby Oil

Cut the roll of paper towels in half (cross wise) with a knife, serrated works best. Remove the card board from the middle. Place your paper towels in the container (cut side down). Mix the baby bath and baby oil with the boiling water. Stir well. Pour the mixture over the paper towels in the container.