Category Archives: Money Saving Guide

7 Tips to save on your Grocery Shopping

Grocery shopping is one of the most important part of your monthly expenses. It’s unavoidable and cannot be stopped. Saving money on your grocery is not a very difficult task, it’s simply about changing the way you shop to save more.

A few simple tips is all you need to follow to see the reduction in your bills.

Continue Reading

How to Save on Easter Shopping for Children

As we move towards Spring, it’s once again Easter time. Another holiday season for celebration with family and friends. A time for gifts, food, easter eggs, bunnies and more.

As per the survey held by the National Retail Federation, for Easter and average spending will be $137.46 which is surprisingly slightly lesser than that was spent last year during Easter. It seems to be the effect of high spending during last Christmas.

Continue Reading

5 Steps to Post Holiday Budget Management

It’s April now, but the spendings that I had done during the holiday season last year has hit me quite bad this time and the effect is still felt at times. I overspent and simply put the blame on the Sale offers of Black Friday and Cyber Monday that were too hard to resist and I shopped over and above my budget and needs. Once I got into the shopping mood, there was no way that I could stop. This happens to many I guess. So how do you manage to balance this act of spending and how do you get back on your budget track?

Continue Reading

10 Tips on Saving on Utilities

What is Budgeting? Its a an art to get more by spending less and at the same time cutting down on unnecessary expenses. No one needs to eat pizza every day from Dominos nor is it necessary to eat out thrice a week, or going to Best Buy to purchase a new television the moment a new model is out. Even we do succeed in putting a stop to unnecessary spending, that does not mean we are in a totally controlled budget. There are some expenses that have to be borne as a necessity which too can be controlled like the utility bill on water and electricity and more.

Continue Reading

8 Couponing Tips for All

The usage of coupons is still not much know by many people. There are still numerous shoppers who still pay the full price for the goods they purchase without having any idea of how much they could have saved using a coupon. Couponing is an art that takes time to perfect. The more you use, the more you know about it. The rewards in the form money saving are always worth the efforts and when you get deeper into Couponing, you will start enjoying it.

Continue Reading

The Best Day Of The Week For Promo Codes, Coupons and Discounts

Ready to shop? Here is the best day of the week to find the deals. Image courtesy of jo.sau

The economy has been in a rocky state for some time. Prices seem to keep rising, but it doesn’t seem that pay is going up to match the increases prices.

Just because the economy is rocky, it doesn’t mean that you need for clothing, household items and other products decreases. And while you may be on a budget, you don’t have to sacrifice those things that you need, or want; thanks to promo codes, discounts and coupons, you can get the things that you need and want while still being mindful of your budget.

The store offer coupons, discounts and promo codes on a constant basis. They benefit the business, as they encourage consumers to shop; and they benefit consumers, because they help them save money.

Continue Reading

7 Simple Ways to Save On Your Next Family Vacation

Summer is near and so is the time of the year when families likes to go on a Vacation. Planning out a vacation properly is very important as it is one of most high budgeted expenses that one has to bear at a go. Many a times even when we think that all expenses has been accounted for yet at the end of the holidays, we realize that the spendings has exceeded the budget. This happens when we tend to ignore smaller expenses like parking and luggage fees or even food at times that can actually add up to a huge sum. So if you have just decided your coming vacation destination or if you have already been planning for one for some time now, there is always chances that you can cut down more on your expenses to fall well within your budget.

Continue Reading

9 Apps that can Earn and Save you Money

Smart Phone, the little miracle device that apart from making calls and sending messages can do much more. A mobile phone that has acquired the status of necessity due to its multitasking capabilities like taking a photo with its built in camera, browsing the web, listening to your favorite radio station, acts as a GPS, e-reader and much more.

The urge to scroll through the features and apps of the Smart Phone everytime I get a chance is unavoidable. With those high quality HD screens, addiction is the right term for this as the moment I get up from sleep, the first thing that I look for is my Smartphone. Talking about apps and as the topic of this post goes, there are some real serious apps that can help one save money.

Continue Reading

12 Tips to Save Money During College

The college years. A time of friendships, fun, finding yourself and choosing a career path. For some, the good things about college life are often overshadowed by the costs of getting higher education. Finding ways to save money during college is vital for many students. The following 12 tips can help alleviate some of the financial pressure for college students.

1. Move out of the Dorm
Living in a dorm allows students the unique experience of living 24/7 with friends and classmates. It is also expensive. Those who want to save money should consider moving to school apartments or other nearby housing. To cut down costs and ensure social connection, friends can consider living together.

2. Keep Track of Your Spending
Overdraft fees can cost a college student hundreds of dollars a year. Using a notebook to keep track of all deposits and withdrawals from a checking account will help a student know when he should stop spending. This in turn will save the costs and headache of overdraft fees.

3. Look for Free Food
College campuses provide students with a variety of free dining choices. Often, club information meetings supply food for those who attend and refreshments are frequently available when departments invite guests lecturers for a colloquium. Finding free dining opportunities allows students to cut-down on monthly food expenses.

4. Avoid Buying Books in the Bookstore
Campus bookstores are notorious for high mark ups. Instead of purchasing textbooks from the campus bookstore, students should buy their books online and/or from another student. In order to ensure that the correct edition is purchased, professors should be asked for the correct ISBN number. If possible, students should consider borrowing or exchanging books with other students.

5. Use Student Discounts to Buy Computers and Software
Students can avoid paying full-price for their computer and computer software by utilizing available student discounts. Contacting computer stores or manufacturers will give a student an idea of how much he can save and Microsoft offers a students package for its software.

6. Shop at the Dollar Store
Buying toiletries and cleaning supplies at a dollar store can dramatically cut down costs of daily living for students. Everyday toiletries such as shampoo, conditioner, razors, combs, brushes and deodorant can be purchased in dollar stores. In addition to this, one can also find cleaning supplies, toilet paper, washing detergent and dishwashing soap for less than other stores.

7. Get a Costco or Sams Club Card
Generally, it is less expensive to buy in bulk. Getting a Costco or Sams Club card will allow a student to buy school supplies, food and other items for a lower price. To save even more money, consideration should be given to splitting the cost of shopping between two or three friends.

8. Consider Alternatives to Using a Car
Gas prices and car maintenance can drain the budge of a college student. Choosing to live within walking distance of campus can save money. Students who decide to cutback on car usage can choose to bike or rollerblade between classes instead of hopping in the car.

9. Use the Campus Exercise Facilities
Make use of the campus exercise facilities. The services offered are usually free or low cost to students which means savings for the user. If the educational institution does not have an on campus fitness center, join a gym that offers students a discount or take up running or cycling.

10. Use Skype
Instead of always using your cell phone, consider utilizing the free Services of skype. Using Skype will let you see those you love while cutting back on the costs associated with going over your mobile’s allotted talk time allowed.

11. Avoid Expensive Nail and Hair Salons
Students can cut down their personal expenses by cutting down on hair and nail salons. Instead of a weekly trip to the nail salon, consider having a bi-weekly girls night and paint each other’s nails. Go to local community college and use their cosmetology department for hair cuts or have a friend with hair cutting experience clip the tresses.

12. No Cable TV or Satellite
Most TV shows can be found on the internet. Reduce costs by not purchasing cable TV or Satellite. Instead, students should plan to watch all of their shows online over the weekend when they are not studying.

Finding ways to save money in college is a good life lesson for students. Following these simple steps will ensure that a college student is able to focus bad finances and more on enjoying her college experience.

How to Save Money with Promotional Codes

The internet has had a great influence on how people shop thus retailers too have adjusted to these changes by offering bargains and discounts online. These include promotional codes, holding a sale or limited time offers. The use of codes is considered more effective by retailers who desire to not only obtain new customers but also improve repeat business. Many people prefer looking for coupon codes on the internet even though it takes some effort and time. This is because they are an excellent way of saving more money when shopping online.

This is because you only need to present them to enjoy benefits like gifts, free shipping, discounted prices as well as offers like buy one and get one free. This essentially means that with these codes, you can save money on different services and products like stationery, garments, cosmetics, sports goods, electronics, health products, food and beverage, travel and web hosting among others. Therefore, the more coupon codes you can access the more you save.

Promotional codes also offer a great opportunity to save money because they are sometimes offered by big brands thereby allowing you to own items you have been dreaming of at a reduced price. Moreover, coupons can be used alongside other offers effectively allowing you to enjoy more benefits while saving money. The good thing about using these codes to access discounts is that they are not limited to individuals therefore; corporate too can benefit and save money especially where they are making bulk orders.

If you want to save money with promotional codes there are a number of things that you need to do. To begin with, you must be able to locate the various coupon sites as well as deal aggregators to find the coupons. The sites also offer information on the best possible deals so that you can browse through before choosing. Even, then keeping up with these sites can be obviously difficult because you are busy. Therefore, there are a number of things that you can do in order to save money with coupon codes. As such, you will do well to subscribe to email newsletters they will notify you about the codes that are available.

Opting to receive catalogs as well as direct mail from online stores is also another great way of saving money because you may just be lucky to find a number of promotional codes inside. You can also find information on coupons that can save you money by shopping online because you will receive notifications on the items that have discount codes. You can also save more with these codes when you look around during the holiday season because this is one of those times when you can make the most of discounted shopping. To save more with coupons you will also do well to compare different deals as well as products and only settle for the best. In addition, you can also combine online printable coupons with promotional codes so that you purchase from retailers and their affiliate sponsors for increased savings. In conclusion, while it is true that coupons and promotional codes allow offer access to discounts on different products, you can further maximize on them to even save more.