Coupons Word Cloud Concept

Using Promotional Codes for the Bare Essentials

Essential items are items that a consumer must have in his or her home to survive. Essential items include items such as bedding, eating utensils, dishes, cleaning items, tools and first aid items. A home cannot be clean, comfortable or safe without the aforementioned items. Homeowners or apartment dwellers who are on a budget may want to acquire the essential items in a frugal fashion. Coupons and promotional codes are a perfect way to do such. The following contains some information on using promotional codes to acquire the home’s essentials:

Bedding and Linens

Several online sites offer coupons and promotional codes for bedding and linens. The website has promotional codes for companies such as Berkshire Blanket. Berkshire Blanket offers an assortment of pillows, throws, sheets and more. The site has a wide range of promotional codes for online linen companies such as Annas Linens. Consumers can enjoy at least 10 percent off their purchases with the codes.

Dishes and Utensils

Decorative Dishes is an excellent place to find beautiful ceramic dishes. Decorative Dishes is a shopping site for people who want to make their homes look extraordinary. The site has a promotional code for Decorative Dishes that offers up to 40 percent off plus free shipping.

Cleaning Items

The website has an assortment of coupon codes that a homeowner can use to stock up his or her cleaning closet. A consumer can pick a code to use for janitorial paper, carpet cleaning items, dish-washing liquids and more. The promotional codes include free shipping codes and discounts of up to 50 percent.

First Aid Kits

The RetailMeNot website is an interesting site in that it finds the very best current offers and makes them available for the consumer. As a result, the consumer does not have to do much work to find deals.


The Couponcabin site has a wealth of promotional codes for stores such as Ace Hardware, which is a popular hardware chain. The website is another place a person can find promotional codes for tools. Shoppers can get discounts of up to 50 percent on tools from Northern tools.

How to Use a Promotional Code

Using a promotional code is easy. Once the consumer copies the code into his or her mouse, the person can paste it into the special code box during the checkout process. The system will automatically apply discounts to the final item price.

pre holiday saving

How to Be a Frugal Early-Bird Christmas Shopper…in October!

Millions of people run around like chickens with their heads cut off during the Black Friday sales the month before Christmas. While Black Friday sales do offer a wealth of discount deals, consumers can still save money an spare themselves stress by shopping early. They can use several techniques to stay ahead of the game so they do not have to join the November mobs. The following are a few tips on how shoppers can beat the crowds with early-bird shopping:

Put Christmas Items on Layaway

Layaway is an excellent concept for early Christmas shopping. Retail establishments allow customers to put their items on layaway at any time. Therefore, an early-bird shopper can start his or her Christmas shopping three to six months before Christmas. Layaway is a system by which a person reserves an item and pays small installments until he or she pays the full retail price.

Use the One-Present-Per-Paycheck Method

Another stress-free early-bird tactic for Christmas shopping is buying one present per paycheck until the entire family’s shopping is complete. The consumer can start this program at any time. March is an excellent month to start as it will allow ample time for present accumulation.

Pick a Columbus Day Sale

Another way a person can use early-bird Christmas shopping techniques is to visit holiday sales that occur before the month of November. Columbus Day is an excellent holiday for sales in October. Top retailers offer discounts of up to 70 percent on clothing, bedding, toys, electronics and the like.

Put Your Fingers in the Hut

Online retailers such as Fingerhut offer small credit lines to people who prefer not to use layaway. Fingerhut will issue a shopper an initial credit line that he or she can use to order Christmas items. Fingerhut will ship the items with only a small down payment. The shopper then has to make small monthly payments until he or she is finished paying the balance. If the person makes eight timely payments, then Fingerhut will increase the credit line.

The company offers an excellent way for a person to establish or re-establish credit. A frugal shopper can perform early-bird Christmas shopping through Fingerhut without leaving the house. Several similar sites exist, but Fingerhut has been around since 1948.

A wealth of early-bird strategies exist. The consumer just needs to choose the one that fits his or her situation the best.

old stang

Saving Money on Your Automobile

Automobile expenses can get hefty if consumers do not use creative money-saving tactics. With economy so tight these days, automobile owners have to learn how to cut corners and save pennies. The following are a few helpful tips for trimming some of the fat when it comes to auto expenses:

Do Your Own Basic Work

A vehicle owner can learn how to perform basic maintenance services on an automobile by purchasing the manual and watching videos on YouTube. The person can save a lot of money on services such as oil changes and tune-ups. A vehicle owner can perform minor repairs such as serpentine belt changes, alternator changes, and coil pack swaps using the same methods. Professional auto repair shops charge $50 to $100 per hour for labor.

Ride a Bike Sometimes

A frugal consumer can save money on fuel expenses by riding an old-fashioned bicycle on short journeys(less than 2 miles). Short vehicle trips burn more gas than long vehicle trips do. Therefore, the consumer can cut costs by jumping on an old two-wheeler.

Carpool With Co-Workers and Friends

Another way a person can save money on fuel is by finding people who are willing to carpool. Co-workers will often carpool with other co-workers for a small fee. Riders can engage in fun conversations on the way to work, as well.

Locate Free Air Pumps

Tires need air sometimes. Many gas stations offer air for $1.50 or more. However, some locations still have free air. The keys to finding those shops are patience and research.

Search for Coupons

Coupon codes can help with expenses on auto repairs and parts. A consumer who wants to receive repairs from a professional mechanic can search for coupons online. Printable coupons are sometimes on an auto repair shop’s website. Other times, the consumer may have to search for them by using a search engine.

Use a Gas Rewards Card

Gas rewards cards are credit cards that offer cardholders cash back that they can put toward future fuel purchases. The cardholders receive a certain percentage of their expenses back whenever they buy gas. Using such a card is a smart way to save money each week. Rewards debit cards are available for consumers who do not have amazing credit scores.

Finally, a consumer can save money on auto insurance by decreasing coverage to the bare minimum. All aforementioned tips can add some extra money to the savings account.

Picture Of Happy Mother With Adorable Baby

Expecting? How to Save on Baby Items

The stress of trying to figure out where to purchase baby goods can sometimes put a damper on the excitement of pregnancy. An expecting mother will need to gather items such as cribs, diapers, baby clothes, bottles, strollers, car seats and more. The following provides some information on where an expecting mother can find cheap items for her bundle of joy.

Free Baby Clothes

An expecting mother can find a wide assortment of free baby clothes from compassionate churches and mission organizations. Tons of churches exist in every town. A quick way to find a list of places that give away free baby clothes is to conduct a Google search for “free baby clothes.” The list is endless. Friends, family members, and acquaintances can pitch in and offer clothing from their children, as well. An expecting mother who prefers brand new baby clothing can visit websites such as Zulily and Carters for discounts of up to 75 percent off clothing. Furthermore, the eBay and Craigslist sites always have unbeatable deals.

Cheap and Free Baby Furniture

Local thrift shops and consignment shops sometimes have cribs and other baby furniture for sale at super-low prices. Discount chain stores such as Walmart and K-mart offer baby furniture for fair pricing, as well. Mothers who have little or no resources can visit websites like Hand-Me-Downs and OneFathersLove to find connections to free baby furniture items.

Cheap Milk and Baby Food

Struggling expecting mothers can apply online for the WIC program or the food stamp program in their counties to obtain free milk and baby food. The WIC program provides vouchers for pregnant women and their children up to five years old. The WIC program issues vouchers for baby milk, regular milk, cereal and baby foods. The food stamp program provides mothers with cards to buy a wide range of foods and drinks. Additionally, an expecting mother can find coupons from Gerber’s and other baby food providers online.

Baby Toys and Diapers

Websites like send samples of diapers and foods to people who register with them. Baby toys are available at every flea market, thrift shop, consignment shop, and dollar store in the world. Additionally, churches love to give baby toys to expecting mothers.

An expecting mother never has to be in despair. She can always find what she needs to orchestrate a stress-free deliverance for her child. The world has many people in it who are more than willing to help.

pre holiday saving

Blitz Saving for the 2014 Holiday Season

The 2014 holiday season is right around the corner, and some naughty consumers have not yet started saving for presents. Late savers do not have to fear, however. There is a way to create a quick budget and start a blitz-saving campaign that will last approximately eight to 10 weeks. The first step is to decide when the blitz-saving period will end. The consumer can set a date of November 15 to allow just enough time to gather the savings for the Black Friday sales. The second option is to stop saving on December 1 and perform Christmas shopping during the first half of December.

Taking Christmas Orders

Next, the consumer will have to take Christmas orders as if he or she were a server at a busy restaurant. The person has to ask each relative, friend, co-worker or alternative party what that person desires for Christmas. The shopper can complete the process using a simple pen and paper, but the list must be complete before the person can move to the next step, which is tallying the expenses.

Tallying the Expenses

The shopper will need to add the total costs of all desired Christmas items. The person will want to add the cost of wrapping paper, tape, bows, Christmas cards, and other Christmas essentials, as well. The final figure is the amount of money the shopper will need to save during the eight or 10-week blitz.

Stacking the Dollars

The consumer will have to use strong willpower and smart tactics to get to the desired amount in the desired period. The person can save money by cutting some unnecessary expenses such as extra cell phone features, premium cable channels, and recreational activities. Every penny saved from such cuts should go into a special savings account.

Next, the person will want to work overtime at his or her current job. If overtime hours are unavailable, then the person can perform side work to save money. Examples of quick-paying side jobs are babysitting, snow shoveling, auto repairs, computer repairs, hair cutting, web design, resume writing and more. A variety of part-time online jobs is available for people who need extra income, as well.

A Christmas shopper can meet the goal with concentration, dedication and commitment. The person can have a memorable Christmas by giving his or her loved ones the presents that make them smile.


Concept Of Expensive Energy Bill

Saving on Cable/Satellite/Phone Bills

Two items that every household needs are television services and telephone services.  A homeowner or apartment dweller must obtain cable or satellite service to watch television in his or home. Additionally, some form of a telephone is necessary for the person to maintain contact with employers, friends and family members. The following are a few tips on saving money on such services:

Taking Advantage of Contracts

Many of the major service providers of cable and satellite services offer discounts to customers who agree to sign one or two-year contracts. For example, a new cable customer could obtain a generous offering of more than 140 channels for as little as $45 a month with a one-year contract. A person who prefers to have a healthy amount of premium channels can obtain three or four premium channels and more than 260 additional channels for a little over $99 a month with a one-year contract. A contract is a signed agreement between from a customer that states that he or she will not cancel services for at least 12 months. A homeowner or apartment dweller who does not plan to change services can take advantage of such an offer.

Using Bundled Services to Save Money

Bundled offers are becoming commonplace for cable and telephone service providers. Such providers often offer consumers spectacular deals if they bundle their services together. For example, a consumer could obtain cable services, telephone services and unlimited Internet services for as little as $99 a month. The aforementioned bundled package could provide the consumer with Internet speeds of approximately 50 Mbps, 140 channels, and unlimited nationwide voice calling. Bundled packages provide convenience and savings.

Comparing Promotional Offers

Comparison tools can help consumers to find the best deals and the best providers for cable and telephone services. Comparison sites save consumers time by neatly placing providers and their offerings horizontally or vertically on a web page. The consumer can view information such as current promotional deals, contract requirements, consumer reviews and more. A comparison site may also offer information about the quality of cable services versus the quality of satellite services. The consumer will need to take a full view of all aspects of the household services before he or she makes a final decision.

Keeping one’s house up to date on technological services no longer has to cost an arm and a leg. Affordable deals exist within the competitive market today.

figuring debt

Holiday Crash: Why Debt Looms Large as Holidays Approach

We all have debt. Student loans, cars, homes, credit cards; you name it, we have it.

And, for the most part, we accept debt for what it is and work diligently to get to the point that we are at least comfortable with how much we have or at the very least have a plan in place to move in the right direction.

Then, it happens. How you want to define “it” depends on your specific situation. Maybe “it” is the washing machine blows up for good or your car transmission says so long for the final time, leaving you with a huge repair bill.

In this case, “it” is the holidays, more specifically the idea that they’re fast approaching and you still haven’t saved one penny to put toward any and all gifts you plan on buying. So what that creates is a scenario where not only do you have your current debt, but also the looming presence of more debt with gifts, parties and anything else that might cost money this holiday season.

Money, of course, you don’t have at the moment, and certainly money you don’t want on the credit cards.

So when September rolls around you realize that “Black Friday” isn’t far behind, meaning your time to start saving is slowly slipping through your grasp the same way that hot holiday toys will be as you battle with others at the toy store.

Now is the time to start tackling your budget head on, limiting certain purchases while perhaps cutting back on a few things for at least a few months as September turns to November rather quickly. You might want to start cutting things like take out dinners in favor of eating at home. Perhaps you can live without cable television for a few months and check out the NFL football season at a friend’s house (and borrow their WiFi while you’re at it). What about that phone bill? Do you really need all that data?

In addition to cutbacks, you should take a minute to examine your budget and truly figure out how much money you have leftover at the end of the month. Let’s say that number is $200 when you re evaluate your financial standing on a monthly basis. The only reason you haven’t been saving $200 per month for the last year is because you’ve used that disposable income for vacations, clothing and other non essentials.

You can fine tune that extra cash and turn it into nearly $1,000 if you start saving it now, rather than use it on things you don’t technically need at the moment. That might be just the ticket to turn this holiday into a happier one from the financial standpoint side of things.

save on phone plans

Teaching Children the Value of a Dollar

Small children lack the respect and value for money that adults have. Therefore, their parents need to teach them the value of a dollar and the importance of saving money. In some cases, husbands may lack the education that they need to save money effectively. The following are some tips on teaching family members about respecting and saving dollars:

Explain the Concept of Work and Survival to the Children

The first step in teaching children about money is explaining how employment works. The parent should explain the basic concept of performing repetitious tasks for money. The person should then explain the costs of some common household necessities and the way that earned money pays for such items. Additionally, the parent should explain the process of saving earned money for emergencies and for recreational activities and “toys.” The man of the household can provide his input, or he can observe and take notes on the explanations.

Assign Household Tasks and Issue Monetary Rewards

Using household tasks or chores to teach children and husbands to earn and save money is an effective strategy. The parent could have the kids conduct tasks such as washing dishes, emptying garbage or sweeping and mopping floors. The parent could assign a monetary value to each chore, and he or she can pay the children on a weekly or biweekly basis. Wives can use this tactic to each their husbands, as well. They can assign tasks such as grass cutting, laundry or landscaping to their husbands. Their payments could come on a weekly or biweekly basis. Assigning household tasks and payment amounts teaches people that they can obtain cash for survival by performing tasks that they may not necessarily like. Real life jobs work the same way.

Designate a Savings Account or Prepaid Debit Card

Every household should have at least one savings account or prepaid debit card for savings. Husbands and children can place a portion of their earned cash into these accounts. They can then use the money that they save for toys, family outings, hobbies and the like. Alternatively, the children and the husband can put the savings toward their future aspirations such as college, cars or retirement.

Teaching one’s family how to earn money and save money instills important values in them that they would otherwise not learn. A family can learn to succeed financially by implementing the aforementioned strategies.

Smart Ways to Use Credit Cards and Debit Cards

Millions of people own credit cards and debit cards, but they do not always make the best use of their products. Smart consumers can use such cards to save money and to teach their children responsibility. The following contains tips on using credit cards and debit cards to one’s advantage:

Apply for Rewards Credit Cards and Debit Cards

The best way to take advantage of the many benefits of modern debit and credit cards is to apply for rewards cards. Rewards cards are special products that allow cardholders to earn cash or points. A cardholder who accumulates points on a credit card can use those points for discounts on airfare, hotel bookings, car rentals, apparel, electronics and the like. Cash back cards can help a debtor to earn money that he or she can place into a savings account for future use.

Use Balance Transfer Credit Cards to Consolidate Debt

Debtors who have more than three open credit accounts can take advantage of balance transfer cards. Balance transfer cards allow cardholders to move the balances of their existing debts onto a credit card with a high balance. A balance transfer can help a consumer to save money on interest. A good balance transfer card may offer an interest-free introductory promotion that can last as long as 18 months. The consumer can use that time to pay down his or her existing debt. Balance transfer cards provide a smart consumer with an easy way to organize and consolidate his or her finances.

Deposit a Portion of Paycheck into a Debit Card

Debit cards are excellent mechanisms for saving money. Most debit cards have account numbers and routing numbers that customers can use to setup direct deposits on payday. Such customers can designate a portion of their paychecks to the debit card, and they can save the money for an emergency.

Pay Debt Slowly and Consistently

Credit cards can help a person to increase his or her credit score over time. Keeping the balances below 50 percent of available credit is an excellent way to increase a credit score. Additionally, the consumer should make timely payments, and he or she should never pay the full balance at once. Hefty timely payments over a long period can affect a credit score more positively than one lump sum payment can affect it.

Credit cards and debit cards have a wealth of additional benefits and features that consumers can take advantage of to make their lives easier. The aforementioned tips are just an introduction to a greater level of cardholder awareness.


Big Ticket Items: How to Get the Best Deal on a Car

A vehicle is a necessity in any household. Some dealerships capitalize off that concept by inflating the prices on their new and used automobiles. A smart shopper can learn how to work a dealership, however. The knowledge and power to do such can be found in the following brief tutorial:

Fix Your Credit as Much as Possible

The first step in purchasing a new or used automobile is repairing credit score as much as possible. A high credit score gives a consumer additional clout and the opportunity to obtain the best interest rates. A consumer should obtain a free copy of his or her credit report and then take all possible steps to increase the score before vehicle hunting. Examples of credit repair steps are paying down debt, decreasing inquiries, disputing negative marks, and ceasing credit card usage.

Bring a Substantial Down Payment

A hefty down payment is another item that gives a person additional bargaining power. A good down payment is one that ranges between $2,000 and $5,000. Even a person who has horrible credit can get an amazing deal on a vehicle with a $5,000 down payment. Therefore, vehicle seekers should arm themselves with such.

Check the Vehicle’s Value

Once a vehicle seeker has decided on the make and model of choice, that person needs to research the vehicle’s value. The Kelley Blue Book is the Gospel for gauging a vehicle’s value. The book will tell a prospective buyer how much the dealership should ask for a specific vehicle. The person can use that knowledge to bargain with the salesperson.

Research Several Dealerships

Hundreds of dealerships exist in each state. Therefore, no one is tied down to one office. Consumers should research at least three local dealerships to find out which one offers the most honesty and quality.

Always Negotiate

No consumer should ever accept the price that the dealership has listed on the vehicle. A smart shopper will negotiate for a lower price even if it takes all day long. A person who can tire a salesperson is a master of negotiation, and this person will usually walk out with a vehicle for its true Kelley Blue Book price.

Be Willing to Walk

Finally, no shopper should ever be afraid to walk out the door. Another dealership will have the same vehicle on its lot, and so will many other dealerships. Walking is an excellent negotiation tool, and the risk is low because so many dealerships exist. A person who uses the aforementioned advice should be able to obtain the vehicle of his or her dreams.


Savings Gone Wild