Category Archives: Save

Extreme Savings and Basic Investing

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Use a budget – Get out of debt – Build a reserve – Save on food

 

Save on every day items

 

Earn more money – Start a home business – Real estate is a good investment –

 

Very basic Real Estate Investing and investing in Stocks

Money Stretch pdf file with slides from videos

 

 

 

 

 

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List of Ways to Save Money

  1. Reuse printer paper that is not written on one side. I have a box where I put in all the paper that comes to my home that could be printed on the back side and I normally have that in the printer to print things. I even take staples off and turn the paper over for printing so the stapled side wont get stuck in printer. If I need a clean sheet to print on, I put the blank pages in as needed.
  2. Barter with friends. I teach Spanish and have bartered voice lessons, swimming pool maintenance, and performance classes for kids. I started a business renting bounce houses and have bartered lawn work, fence work, hair color, massage, pet grooming, car batteries from a local business, and garage door service.
  3. When needing work at your house, find a skilled person who works for a company willing to do work on the side. I had a patio built for $300 in labor when I was quoted over $1000 in labor by companies. File away telephone numbers anytime you meet someone you may have a need for in the future.
  4. Purchase things out of season. Speaking of the patio I had built, I purchased the material for the patio when it was out of season and saved hundreds of dollars buying clearance trek boards because Lowes no longer wanted to have them in stock.
  5. Purchase items after holidays. I purchase most of the candy I will need for birthday parties and holidays during the after Halloween clearance. After Christmas, Valentine’s Day, and Easter are also good times but Halloween seems to be the biggest variety of candy.
  6. Plan ahead for items that will need to be purchased. I ask my kids what their next birthday theme will be for the following year. This way if I ever see things on sale during the year, I can start buying them. Also, I buy a lot of things for their parties online. Sometimes on ebay I can find people shipping from China. I have time to wait 1 month for them to ship to save money.
  7. If you are going to buy something or to eat out somewhere, do a quick google search for coupons for that place. If it does not matter where you go, clip the coupons from your mailers to get buy one get one free coupons.
  8. Use a 40% off coupon from Michael’s or Hobby lobby to buy regular priced items. I bought a Tinkerbell cupcake display that I could use for a birthday party and got it for less than I could buy it at Walmart. For Christmas, I purchased a cute Frozen chest for my daughter that was less than I could get it for from Kohls. Hobby stores don’t only carry Hobby items.
  9. Take the kids to free things. They get excited and it does not have to cost money. National Doughnut day in June- Krispy Kreme gives out a free doughnut (also take your kid’s report cards and get doughnuts) March- Dairy Queen free cone day. September – dress like a pirate and get a dozen Krispy Kreme doughnuts
  10. Sign up for emails from restaurants you like to go to. Dairy Queen sends buy one get one free blizzards coupons about 6 per year. Tucanos does a buy one get one free birthday meal to use any day during your birthday month. You can get a lot of free stuff on your birthday from restaurants, do a quick google search.
  11. Join your local 4H and sign your kids up for classes. My girls are doing a 6 week course for $30 each including materials to learn how to knit. They are also signed up for 6 weeks to learn vet science for $10 each. One says she wants to be a vet so I want to expose them to it.
  12. Get 3 estimates when having work done on your home or cars.
  13. Shop your home and car insurance every year or every few years to make sure it is still the best deal. If you have filed a home insurance claim it can cause your insurance to go up every year unless the insurance company declares it a natural disaster. In AZ, I was able to shop and get a low rate once it had gone off the record 5 years after the claim.
  14. If you carry a credit card balance, pay it off as soon as you can. You can change your balance to a 0% interest card. Most charge 3% to do balance transfer but many will let you make new purchases for 12 to 18 months interest free. You can make the purchases you would have anyway during the months and not pay off the balance, using that money to pay off the high interest rate cards. This requires discipline to not overspend which is probably not there if you are carrying a balance on credit cards. So be careful with this.
  15. Shop ads. Look at the grocery outlet ads every week and buy only what is a good deal buying enough to last you until its expiration date. Sign up for Grocery Outlet emails. Once in a while there is a good deal. I got boneless skinless chicken breast for $1.07 per pound and stocked up. Ridleys does a case lot sale in August or September. That is when Albertsons may run some case lot sales. Good time to buy canned vegetables and other items.
  16. Check Craigslist if you don’t mind shopping on there. If you are going to buy something, see if someone may have it on Craigslist for less. Sand bags $15 or free sand on Craigslist. Modem from internet company $110 or $50 on Craigslist. You can offer less than asking price too.
  17. Check out what your local libraries offer. Whenever I want to read a new book, I check if the library has it and put a hold on it if they do. You can request books to be purchased too. The Eagle library rents fishing rods, tackle boxes, baking pans, cake decorating supplies, knitting needles, crochet hooks, papercrafting equipment, and an electric guitar. Unbound part of the Meridian library has Saturday family build days where you can build all kinds of technology and you can also design 3d printer items and get them printed for a small fee.

Telephone Service

Will Save $214.88 in one year

I got Century Link to give me $10 per month discount above anything advertised. I will get a $25 gift card mailed. I purchased my modem for $50 rather than lease at $9.99 per month.

Look up Discounts

I stumbled across a way to save money when I was ordering internet. I took my usual steps of being informed on what the price points are for internet providers. I looked around for coupons in the mail and online. I found the cheapest would be Century Link. I don’t need anything fancy or fast; I just need to be able to get online. They had a $29.95 40 Mbps plan with a $25 gift card if you ordered online. Online it did not give me the option to not lease or purchase a modem so I decided to call it in and still ask for my gift card. At the same time, I googled other offers. There was one I found for $150 gift card and others like $50 credit. None of the coupons had much of an explanation on them.

Ask for Discounts

I called Century Link, armed with their promotions. When I called, I mentioned I wanted the coupons to work. I got either a very bad employee or perhaps it was his way of getting more commision. He said there was no way for him to apply promotions and that once he got me signed up, I could call customer service and they would apply the promotions. I found that to be very strange and asked him what would happen if I signed up and they were not going to apply the promotions. He said it was no problem because I could cancel within 30 days. I knew this sounded weird but I figured I would sign up anyway.

Speak to the retention/cancellation department

Once signed up, I called customer service and they found my conversation with the person signing me up strange as well; they said they could do nothing but would that the retention department could do something. He found it all strange too because the promotions are there as promotions to close the sale (this is why I thought maybe the boy on the phone was trying to give me as least as possible on his end to close the deal and get his commisions). The $150 gift card was for bundle deals and it would not work. I told him about the $25 gift card online but that I was unable to get it because online would not give an option that I already own a modem. And I said I wanted the $100 gift card then too. He said he could bundle me with a broadband something and save $10 per month for the next 12 months. As I was trying to make sure he was not upgrading me, my connection was lost. I waited for a call back and did not get one, so I called back. I called back and when I did, the lady on the phone said the change was already made, I would be on the $29.95 plan, get $10 off per month, making it $19.95 and that I will be mailed a $25 gift card. After all the added on recovery fees etc. I think my bill will be about $24.60. The only plan that is $19.95 is one that has to be bundled with phone service. There currently is not a plan for less than $29.95 for internet. There is not an advertised promotion that allows for this type of discount.

Verify your discounts

Apparently Century Link has a tendency to send their modems even if you specifically ask that they don’t send it because you own one. Then they bill you. Mine was being leased at $9.99 per month. You have to return the modem and get that cancelled. I returned my modem and called to make sure they refunded that amount. The agent on the phone was going to remove only the $9.99 from the monthly fee, but in another section of the bill, there was a $1 fee from the lease outside the billing period from the date I got service until the billing period started. So I had to point it out to get removed. There is no cost to return the modem, but I almost just kept it for simplicity as it was already here. I figured I would pay the $100 they charge for one; I did not realize they set it up as a lease instead of a purchase.

Buy your own modem – Save another $50 to $70

I did not like the fees so I looked up on Craigslist and found some modems. One person wanted $75. I offered $50 and she said no. I looked on ebay and there were quite a few of them on auction and some buy it now prices starting about $60. I finally found someone on Craigslist who wanted $60 and took $50. I was nervous about it because some on ebay said fully updated etc. I wondered if there were updates they needed or something, but I just made sure I got the same model. I plugged it in; it works, I am returning the old one. I also made sure the guy on Craigslist said I could take it back if it did not work. And it was only like 3 months old so probably ok. Also, in the past I have purchased a modem for internet and the same model worked for a few years. So I was pretty optimistic that if I found the same model being sold by Century Link, it would work. The technician that set up my internet said to be careful buying used because he saw many people thinking they could do it only to find out their modems would not work. He worried me a bit so that is something to consider. In a year I would have been charged $119.88 leasing the modem, or purchasing $100 plus whatever taxes they tack on. Instead, I paid $50.