saving money

Tips to Reign In and Out Of Control Family Budget: Shopping Around to Save!

Abby H.

683459ee810703fe032903d2443bf58d.jpgToday I’ll be sharing some ways to save money that takes a little more work but can definitely pay off in the end.

For some of us, this may seem like too much work, and that’s ok. Just because it’s something that my family does, doesn’t mean it’s right for everyone.

Insurance: Most companies offer a discount if you have more than one kind of policy. Example: State Farm offers a Multi-line discount. If you have your cars and another type of insurance (homeowners/renters/condo insurance, or a life insurance policy).

Some insurance companies serve a specific audience- for example, USAA is an insurance company for active duty or retired military. Because they serve a specific audience, they offer very competitive rates.

When you shop for insurance, have copies of all of the policies that you want to compare. That will help you see apples to apples. You can’t compare and try to save money if you don’t know what you’ve got. This is also a great time to go over all of your coverages and see if you need to increase or decrease coverages.

Due to state and federal regulations, you usually can’t shop for health insurance unless it’s open enrollment or you’ve had a qualifying life event (married, divorced, had a baby, retired, lost your job, etc.). Luckily, Tis the Season for open enrollment! We purchased insurance through the state exchange a few years back, before we had employer-sponsored insurance. It was not too difficult to navigate, and there are discounts available for a lot of people!

Cell Phones: This is my least favorite activity, but it can a money saver. Once again- have a copy of your contract or a copy of a recent bill that outlines everything your plan covers before you get started. If you are looking for a pre-paid plan, Tello has some great money-saving plans!

Internet: I hate dealing with our internet service provider. I always feel like they are trying to upsell me, no matter why I am calling in. We’re looking at changing our plan soon. The big kids school recently sent home information regarding a program that Cox offers called Connect2Compete. For those families that have qualifying social service(s), Cox can provide internet service for $9.95/month! That’s a great deal.

 

Talk Back: I’d love to hear your success story! Share how much you’ve saved by shopping around for your insurance, cell phone service, or internet service.

Checkout 51- New users get $5!

Abby H.

unnamed.pngCheckout 51 is a great cashback app that I don’t think I give enough attention to.

For the most part, you can use it at any store (which is great for those of us who shop at Grocery Outlet or other non-chain grocers a lot).

How Checkout 51 works

  1. Browse your offers and buy products at any store.
  2. Upload your receipt using Checkout 51.
  3. We’ll confirm your purchase and credit your account.
  4. When your account balance reaches $20, you can cash out and we’ll mail you a check. Please see Terms for more details.

Checkout 51 is sweetening the deal too- When you sign up here and scan in your first receipt, you’ll get a $5 bonus!

If you are already a Checkout 51 user, refer your friends and you’ll earn $10 when a new user scans in their first receipt (and they still earn $5).  Everyone wins!

To learn more about all of the Cashback apps I use, click here.

New Health and Beauty Brands on Fetch Rewards!

Abby H.

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Fetch is now hooking us up with savings in the health and beauty aisle! From nutritional supplements to over-the-counter pharmaceuticals, they are making healthy living even more rewarding for your whole family.  You can see the full list here.

You can learn all about Fetch rewards here.

So, if this seems like an app you’d enjoy, check this out: Use my code ND2TB when you sign up and you’ll score 2000 points after you scan in your first receipt with Fetch Rewards. That’s 2/3 way to your first $3 Amazon Gift Card (or whatever $3 Gift Card you choose). You can find Fetch Rewards in your app store.

Fetch Rewards: Get a FREE reward for every 2 friends you refer! (11/15/19-11/17/19)

Abby H.

If you haven’t checked out Fetch Rewards yet, now is the time to do it!

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2,000 points for Friend #1 + 2,000 points for Friend #2+ 3,000 BONUS points= 7,000 points for every 2 friends!

 

Plus, there’s no limit on the number of FREE rewards you can earn.

The promotion has already started and is valid  through 11:59 PM PT on 11/17/2019

I’m stoked! Fetch Rewards is pretty awesome- I’ve earned about $50 this year (so far). I cash out for Amazon Gift Cards and add them to my Amazon account to pay for gifts throughout the year.

If you haven’t signed up yet, download the app in the app store/where ever you get apps, and use my code ND2TB when you sign up. You’ll score extra points when you sign up and scan your first receipt.

If you use my code, I’ll get points too. Win/Win, right? Honestly, my disclosure statement is here. I’m here to help ya’ll save money, not make a million dollars!

This is a great way to save up giftcards for holiday shopping or to defray other costs (They also have CVS and Target GC’s available).

 

If you want to learn more about Fetch, check out my posts here and here.

New Month, New Coupons!

Abby H.

file000786402730Here is your monthly reminder!  A new month means new printable and electronic coupons!

Check out the following sites:

One of my favorite websites is the Sunday Coupon Review.  It helps me plot out scenarios in advance and I can email friends to ask for coupons in advance. Remember if clipping coupons isn’t your thing, but saving money is, check out my list of Smartphone apps that can save you the big bucks! New offers are added on the Smartphone Savings Apps all the time!

Here are a few of my favorite new coupons:

Save $1.25 on any ONE (1) 1850® Ground or Whole Bean Coffee Product

Save $1.50 on ONE (1) jar of Mezzetta® Pasta Sauce, 16.25 oz or larger

Save $2.00 Any ONE (1) JOHN FRIEDA® Product

Save $3.00 when you spend $18.00 on KLEENEX® Product.Expires 12/31/2019.Save $3.00.

Save $5 when you purchase $25 of Kellogg’s® Cereals (8.4 oz. or Larger, Any Flavor, Mix or Match).Expires 12/30/2019.Save $5.00.

Save with Target Circle!

Abby H.

Screen Shot 2019-10-16 at 10.04.12 PM.pngTarget is at it again! First Target RedCard (learn about it here as well as my other tips for saving at Target), and now Target Circle!

How it works: When you check in with Target Circle™ and pay with RedCard™, you’ll earn one vote to help direct where Target gives for every eligible purchase and continue to save 5% right away. Plus, you’ll redeem your saved offers if you check-in before your purchase.

Not using your RedCard? When you check in with Target Circle™ you’ll earn 1% to redeem at Target later instead of saving 5% right away.

It works online and the Target App too!

In addition to saving, you’ll earn a birthday surprise, and special deals and offers tailored to you and your previous purchases. All the details can be found here.

Fetch Rewards: 4,000 Per Referral!

Abby H.

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Win 100,000 bonus points! 

Tomorrow (10/17) through Wednesday (10/23), Fetch Rewards increasing your bonus to 4,000 points* per referral.

Here’s how it works:

  1. Invite your friends to Fetch Rewards with your referral code. Use my code ND2TB and find the app wherever you get apps.
  2. Your friend enters your code and scans their first receipt.
  3. You’ll get 4,000 points, and your friend also gets 2,000 when they complete their first receipt scan!*

*In order for you to qualify for the increased referral bonus, they must enter your referral code and complete a valid receipt from 10/17/19 through 11:59 PM PT on 10/23/2019. After 11:59 PM PT on 10/23/2019, the referral bonus will expire.

 

 

Any grocery store, mass merchandiser, dollar or 99 cents store, or convenience store receipt can be scanned for points!

October: New Month, New Coupons!

Abby H.

file000786402730Here is your monthly reminder!  A new month means new printable and electronic coupons!

Check out the following sites:

One of my favorite websites is the Sunday Coupon Review.  It helps me plot out scenarios in advance and I can email friends to ask for coupons in advance. Remember if clipping coupons isn’t your thing, but saving money is, check out my list of Smartphone apps that can save you the big bucks! New offers are added on the Smartphone Savings Apps all the time!

Here are a few of my favorite new coupons:


Save $0.75 When you buy any ONE (1) Horizon Organic Single Serve Milk 6pk or 12pk

Save $1.00 on TWO (2) Celestial Seasonings® boxes (excludes K-Cups)

Save $2.00 on any TWO (2) BOOST® Nutritional Drink or Drink Mix

Save $0.55 on any ONE (1) Hillshire Farm® Lit’l Smokies® Product

Save $15.00 on any ONE (1) FoodSaver® Vacuum Sealing System ($89 or more)

Save $1.00 off any ONE (1) package of Angel Soft® Toilet Paper, 12 Roll or Larger OR 6 Mega Roll or Larger (Available at Walmart)

Fetch Rewards now Accepts Convenience Store Receipts!

Abby H.

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This came in my email this morning and I have NO IDEA! You’re already scanning supermarket receipts. But did you know that you’ll also earn Fetch Points when you shop at gas stations and convenience stores? It’s true! Your receipts from 7-11 are just as valuable as your receipts from Walmart.

Got a midnight craving for chips or ice cream? Need to grab a beer or soft drinks on your way to a party? You’re gonna get points! Scan every convenience store receipt, every time you shop. Screen Shot 2019-09-25 at 7.52.39 AM.png

 

Learn More about Fetch Rewards HERE.

Go Organic with Fetch Rewards

Abby H.

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Shop smart, eat smart. 

Did you know Fetch Rewards offers points on organic products? You’ll also save on natural juices, low-calorie meals, sugar-free drinks, cauliflower pasta, and more. Try something new today!

To learn more about Fetch rewards, click here.

If Fetch Rewards seems like an app you’d enjoy, check this out: Use my code ND2TB when you sign up and you’ll score 2000 points after you scan in your first receipt with Fetch Rewards. That’s 2/3 to your first $3 Amazon Gift Card (or whatever $3 Gift Card you choose). You can find Fetch Rewards in your app store.

If you use my code, I’ll get 4000 points when you scan your first receipt. Win/Win, right? Honestly, my disclosure statement is here. I’m here to help ya’ll save money, not make a million dollars!