money saving

Saving Money When Coupons Aren’t Plentiful…

Abby H.

wallet-money.jpgI’m not sure if ya’ll have been noticing, but the coupon in the Sunday paper and online have kinda sucked lately.

Now that the shininess of New Years Resolutions has worn off, there are no more healthy food coupons, and the Big Game is over, so the snack-y food coupons have petered out too.

Values are lower and lower each week, and coupon redemption has reached an all time low (I read this on Coupons in the News a few weeks ago). So what’s a saver to do when there isn’t much to clip or print?

Don’t fret! There are still lots of ways to save money!

Check out other printable coupon websites. I have my list of old dependables here, but I also like Common Kindness. Common Kindness donates a portion of each coupon amount redeemed to the charity of your choice! At no cost to you! They have mostly Organic/All Natural food coupons. They also have a lot of printables that match up with rebates on Mobisave and Checkout 51.

That brings me to rebate apps! My full list is here. Don’t forget to check those out each week when it’s time to hit the store.

Don’t forget your Price Book, if you’ve neglected it, it might be time to update!

An updated Price Book can help you determine if items are a good deal, and it can also help you with Price Per Unit (This is super helpful if you shop at warehouse stores, like Costco).

Look for deals other places! I love to check out Living Social for discounted deals on fun stuff for family date night, or the occasional meal out with Hubs.

If you need to do some shopping online, try using an online shopping site/cashback site. I like both Mypoints and Topcashback. You can learn more about how we save while shopping online here. And don’t forget to look for coupon codes while doing online shopping.

Lastly, if you find yourself in need of food, and the ends just aren’t meeting like they used to, please do not be too proud to check out local sources for food. An updated list of local San Diego area food resources can be found here.

 

Earn Money while you Save Energy with Ohm Connect!

Abby H.7 Comments

Screen Shot 2016-08-03 at 5.02.27 PM For those of us in Southern California, we know the pain of summer. Heat over 100 degrees more days than not, wild fires caused in part by droughts, and lets not forget those fun rolling brown outs. That’s when the power goes out unexpectedly because demand on the power grid is too great.

Lots of us converse power, my family included. Partially because we are frugal, and partially because it’s a good thing to save resources. Now those of us with Pacific Gas & Electric, Southern California Edison, and San Diego Gas and Electric can earn some green in our pocket while conserving power.

Enter Ohm Connect! They work with the electricity market and the three power companies listed above to reward users for conserving electricity! I signed up about a month ago, after reading more about Ohm Connect here (it will answer all of your questions. Trust me, I am totally skeptical of stuff that sounds too good to be true).

And to prove to you that, yes, you will earn money even when it’s over 100 degrees outside, here is a screen shot from my account showing that I just cashed out $43.63 (They give you an extra $5 if you post it on your FaceBook wall too!). I took the payment via Paypal. I should have the money shortly.

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So why not give it a shot? You’ve got nothing to lose! And who knows, maybe you’ll be cashing out sums larger than $43 soon!

 

**Disclaimer: This post contains affiliate links. I may earn a small commission if you click on links or make purchases. However, I only post about stuff that I like and use for my family.

Cutting the Cord: Going without Cable

Abby H.

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Disclaimer: This money saving strategy isn’t for everyone- I’ll admit it. If you HAVE to watch “your shows” or sports games and they aren’t available to stream on the TV channel’s website (FOX, CBS, NBC, and AMC have tons of their shows streaming on their site), this won’t work for you.

We don’t have cable.  Never have. Mr. C watches sports over Antenna TV or he’ll go to the gym and spend time on the treadmill or StairMaster while he watches football!

In my area, cable tv (with Cox Cable) is $61.99/mo for the cheap-o plan.  It’s usually on special for less, or you may get a discount if you bundle it with your home phone (we don’t have one!), but after any introductory rates have expired, the monthly price is $61.99/mo at a minimum.

So, in the 10 years we’ve lived together, we’ve saved roughly $7500 by not having cable. That’s A LOT of money.

There are a few things to consider:

If you want to cut the cord, before you call your cable company and tell them to shove it consider this. How old is your TV?  If it’s older than 3 or 4 years old, you’ll need a digital convertor box.

Why?  In 2009, the FCC made the switch from analog (over the air) TV to digital TV to free up analog airwaves for emergencies.

So if you have an old tv, plug it in and flip the channels, you’ll get static because your TV can’t access the digital airwaves without a convertor box. Convertor boxes run between $40-$60 and can be purchased anywhere that sells electronics. You need one convertor box PER television in your house that is over 3-4 years old.  If you are unsure if your TV has the convertor internally, check online or call the company that manufactured your TV.

Pick up a convertor box.  But you’ll still need one more thing.

An Antenna.  Not a pair of rabbit ears.  Newer antennas plug into your television, and the wall (yup they have an amplified signal, so you’ll get more channels!), and they hang on the wall. You’ll need one for each TV in the house.

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This is what ours look like, it’s a slim, shiny back box that hangs on the wall. They run anywhere from $45-$90 (depending on what type you get)

OK, so Convertor box (if needed)-Check!

Antenna– Check!

Now your are all set.

The directions that come with the antenna will tell you how to set it all up and find your local channels.

Now, you can call the cable company! Remember to return the cable boxes and remotes so you aren’t charged any extra.

Now the next question I get is: How many channels will  I get?

Depending on how strong the signals in your area are, you should be able to receive:

  • ABC
  • CBS
  • NBC
  • CW
  • Fox
  • PBS
  • V-me (Spanish PBS)

There are additional networks that are available in various areas of the county.  Here in So Cal, we also get:

Plus we get a few more spanish language channels.

So- the take away is this: depending on how many TV’s you have in your house, and their age, you may spend a few hundred dollars up front to get all set up, but you may be paying a few hundred dollars a month on cable or the dish.  It will pay for itself in just a few months.

You won’t get ESPN or MTV or any of the other eight million other channels. But, you’ll get more quality time as a family.

We’ve never had cable. We’ve lived together for 10 years, and we’ve lived with broadcast TV (over the air with an antenna and converter box), Netflix- Streaming only (a gift from hubby’s parents!), and we have a HuluPlus subscription (at a whopping $7.99/month).

We’re not addicted to TV.  We watch Netflix or a show or two on Hulu at night, and Little Man and I watch PBS in the morning for Sesame Street and many other educational cartoons. We read, talk, or play games while most people are glued to the tube each night for 4-5 hours. We go for to the gym, or for a walk as a family.

 What would you do with an extra $700+ per year? What would you do with the extra time you could have not being glued to the TV each night?

 

 

10 Reasons I shop at Target

Abby H.2 Comments

There are a lot of couponers who don’t shop at Target.

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“It’s too hard.”, “It’s too much work.” “They aren’t Coupon Friendly.” Those are some of the reasons I hear. To that I say, I love Target. I am a convert, I used to hate shopping at Target, but when we moved, I discovered that the two Target locations that are close to my home are both coupon friendly and always have plenty of sale items.  I think it all depends on the Target you shop at.

Here are my 10  (now 9) reasons for shopping at Target:

1. You can stack Target coupons and manufacturer coupons.  Target has printable coupons on their website here. 99% of them are Target coupons, meaning they are only redeemable at Target.  Stacking coupons leads to greater savings. If you are looking to print manufacturer coupons (redeemable at any store), click here.

2. I save 5% every time I shop by using my Target Red Card.  It’s a debit card and it’s Target branded, so I can only use it at Target, just like an ATM card (with a PIN).

3.  I’m a member of Target Pharmacy Rewards (it’s free).   This program has gone KAPUT at the end of 2015 when Target and CVS joined up to provide pharmacy services. SIGH.

4. When you sign up for a Target Red Card or start a registry at Target, you get added to their mailing list and about once a month, they’ll send you a packet of really great Target coupons.

5.  Target rewards you for using reusable shopping bags. For every re-usable shopping bag you use on your shopping trip, you’ll save .05! It may only be a nickel per bag, but it can add up!

6. They have a great markdown/clearance section! And they mark their clearance down pretty methodically too.

  • Monday – Electronics, Kids Clothing and Stationary (Cards, GiftWrap, etc.)
  • Tuesday – Domestics, Women’s Clothing, Pets and Market (food items)
  • Wednesday – Men’s Clothing, Toys, Health and Beauty, Lawn & Garden items
  • Thursday – House Wares, Lingerie, Shoes, Sporting Goods, Movies, Music, Books, Decor and Luggage
  • Friday – Auto, Cosmetics, Hardware, & Jewelry

7. Target Price Matches.  Currently, Target matches prices from  Walmart.com, Amazon.com, BestBuy.com, ToysRUs.com, and BabiesRUs.com. You can use coupons on a price match too! This is great if you have a Target Coupon and a manufacturer coupon to go with your price match! To learn more about price matching at Target, click here.

8. Their return policy is pretty good. Especially if you have a Target Red Card.

9. If you want to know if your local Target carries an item or has a specific item in stock, you can check online.  That saves you time, energy, and gas! (Thanks to Samantha for that tip!)

10.Target Cartwheel: Instead of the traditional dollar or cent off coupons, Target Cartwheel offers savings in a percentage.  You choose specific offers, based on what you buy, and there are new offers all the time! The best part is that you can use Target Cartwheel, a Manufacturer Coupon, and a Target Coupon all on the same item.

And you know what, here is another one- Target is a participating partner in most of the rebate apps (you check out a full list here). So, you’ll be saving a few extra pennies (or dollars) in no time.