10 Reasons I shop at Target

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.

Trips and tricks for saving money on your next car purchase…

OLYMPUS DIGITAL CAMERAWe had to replace Mr. C’s 14 year old Pontiac last year.  It was time. Recently, I’ve been seeing a lot of friends talking about replacing their older cars that aren’t as fuel efficient or that are starting to need some pretty costly repairs.

We knew the time to replace the old, creaky Pontiac was coming, so to prepare for the new car I did the following step

  • We made a list of cars that met our qualifications: price, specific gas mileage, features (safety & comfort). With a price range in mind, we could make sure that we had enough saved for a down payment.
  • We made sure that we had room in our budget for a car payment. We paid my car off last year (an entire year early!! I rounded up payments each month to the closest $10 and when we had extra money from rebates or bonuses, I sent a few extra hundred dollars to the finance company- those things really do help!).
  • I had been saving money each paycheck for a down payment.  It wasn’t a lot of money each month, but we’ve known for about a year that the Pontiac was on it’s last legs.
  • We filed our tax returns as soon as we were able- We wanted to use the majority of our refund toward the downpayment.
  • We looked online for vehicles that fit our qualifications, we used connections (that would also provide us discounts) through our credit union, insurance carrier, and through sources like UPromise to find vehicles within our price range.
  • We went into the dealerships pre-approved for a loan through our credit union.
  • We knew what was on our credit reports and our scores (Thanks to using CreditSesame), so we knew that we could leverage that if needed to try and get a better APR.
  • I checked with our insurance carrier prior to purchasing the new car to see what the insurance premiums would look like on several cars on our list.  We needed the premiums to stay pretty much the same.

In the end we purchased a 2011 Prius from Toyota of El Cajon. The process was easy, fast (4 hours, but if you’ve bought a car, you know how long it takes), and our sales consultant, Jason Mongold, was awesome. He and his managers helped us find a car that met our criteria and budget, and they gave us a great amount for our trade-in.

Take your time and make sure you review all of your options when buying a car. Whether you buy new or used, from a dealership or private party, do your research!

Carfax Reports– learn all about the car you are about to buy (accidents, title status). Most dealerships that sell pre-owned cars will show you the CarFax report before you purchase.

KBB.com– Find out the value of your trade-in, and the value of the car you are about to purchase.

Little Man sitting in Daddy's Pontiac one last time!
Little Man sitting in Daddy’s Pontiac one last time!

What are your tips and tricks for purchasing a car?

Greek Yogurt- A great frugal ingredient!

IMG_7966I bet a lot of you see the coupons for Greek yogurt and pass it by.  Maybe you’ve sampled it at Costco or the grocery store and were turned off by it’s thick texture or tart taste.

Greek yogurt (or strained yogurt as it is referred to in other parts of the world) has a lot more going for it than the sugary yogurt in the little cup with a french name.

1- It’s got double the protein than regular yogurt.  That means you’ll stay fuller longer.

2- It’s lower in Carbs. That’s because most Greek yogurts don’t contains all kinds of funky sweeteners.

3- It works well in all kinds of recipes in place of sour cream, mayo, and oil. I use it in baked goods instead of the liquid oil or butter.  It adds a richness without adding fat.

4- It makes a killer chip or veggie dip, baked potato topping, or chili topping plain or dressed up with herbs and spices.

Greek Yogurt is a frugal ingredient because it’s so versatile!  You can eat it as is, dress it up with herbs, fruit, granola, or use it in recipes. We buy the large carton of Fage at Costco every few weeks.  It’s the cheapest place in town for us to get Greek Yogurt. If you aren’t a Costco shopper, keep your eyes open for coupons and sales! Here are just a few:

Here is my favorite dip recipe with Greek Yogurt- perfect for sharing at any potluck!  It’s got  thicker texture, and it’s not for a wimpy chip- I dip pita chips and veggies.

Herbed Yogurt cheese dip

Ingredients

  • 2 cups greek yogurt
  • 2 T. chopped shallots
  • 2 T. minced onions
  • 1 T. minced garlic
  • spray release (like Pam)
  • 3 T. herbs of your choice- I like Mural of Flavor from Penzey’s. (You may want more or less)
  • Salt and pepper to taste (I don’t add either)
  • cheese cloth (It’s on the baking aisle at the grocery store)

Directions

  1. Wet the cheesecloth, wring out and stretch over the mouth of a bowl.  Secure with string or a large rubber band.
  2. Gently pour the yogurt over the stretched cheesecloth, and spread evenly over the cheese cloth.  What you are doing is straining out any extra whey (liquid) from the yogurt.  This is cause it to thicken up and make one helluva dip!  You can leave it on the counter for 1-2 hours to drain, as long as the temperature in your house is at or under 75 degrees. (We never turn on the heater at our house, so that’s never a problem).  If you house is warm, you can place the bowl in the fridge.
  3. In the mean time, spray a saucepan with spray release (or you can use a little EVOO if you prefer), and saute the shallots, onions, and garlic over low for 45-50 minutes until they start to caramelize.  Remove from heat, and pour int oa large bowl.  Place in fridge to cool.
  4. After yogurt has drained, scrape the yogurt solids from the cheesecloth into the bowl with the sautéed shallots, onions, and garlic.
  5. Mix well and add herbs.  Place in fridge for a minimum of 1-2 hours before serving.  I make this dip the day before I want to serve it.
  6. Discard the liquid that drained off the yogurt and the used cheesecloth.
  7. Serve the dip with veggies, pita chips, or use it as a topping on your baked potato or chili.

Serves 10-20.

If you like your dips sweet instead of herbs and veggies, you can add a few tablespoons of jelly or jam to strained yogurt and a smidge of cinnamon to make a fruit dip.

 

How do you like to serve Greek Yogurt?

Shopping for real food on a budget!

IMG_3236As you can see from the photo, we buy a lot of fruit.

I bought this fruit late last week, and within 3 days, the raspberries and cantaloupe were GONE.

So why am I sharing this photo of my fruit purchases? To illustrate that you can eat healthy on a budget.

I visited Our local Ralphs, armed with 8 $1/1 Driscoll Coupons (Internet printable coupons from their surveys), a $5/$15 Produce E-coupon on my Ralphs card (like them on Facebook here and you’ll be notified when new produce coupons are added- usually once a month), and a free Muller Yogurt E-coupon (Free Friday Download).

For $4.19 Out of Pocket, I brought home:

8 containers of driscoll’s raspberries
2 bananas
1 mango
1 personal sized watermelon
1 cantaloupe
1 muller yogurt
1 carton coolwhip

The raspberries are $1.28/carton, so after $1/1 Q they are a paltry .28/carton. SCORE. I saved over $50 with my coupons and ralphs club card. UGH. I can’t imagine paying full price for anything.

The only not so “real food” purchase was the whipped topping. I made the Cool whip into Bachelor Mousse (1 small box instant chocolate pudding, 1 1/2 cups milk, whole carton of cool whip, beat together and serve with fruit) and we had it for dessert a few times. It’s quick, easy, and the boys LOVE IT.

So you can do it- keep your eyes open for sales on produce, meat, whole grains, and other stuff your family likes to eat. Don’t forget to take advantage of printable coupons and rebate/money saving apps!

Sears Shop Your Way Rewards: Buy Shoes, Earn Points!

searsshoes1Shop Your Way Rewards Members, check your emails for details on this new program! For every $50 you spend on shoes at Sears, you can begin to unlock special shoe points!*
(Those points can be redeemed exclusively on—you guessed it—more shoes!)
With the next $50 you spend on shoes, you’ll be rewarded with $5 in shoe points
( 5,000 points). Get started today!  But it gets better.

sears shoes2

If you’ve got kids, you know that you go through a lot shoes: feet grow, shoes get trashed, special occasions, and sometimes a shoe goes missing!

With all of the great sales and deals Sears has going on, it’s my go-to store for Lil’ Man’s shoes and clothes. Now I’ll earn even more for my usual shopping!

New Styling Products from Madison Reed!

**This post contains affiliate links and I will be compensated if you make a purchase after clicking through my links.

If you know me in real life, you know that I LOVE Madison Reed. The hair color is amazing, gentle, and gives me a great red color.  I also love their hair care products! Their shampoo and conditioner are great for making colors last and stay bright.

Imagine my excitement when I learned that Madison Reed just launched their new STYLE and TAME products! STYLE is a lightweight styling cream that provides frizz-fighting hold, while conditioning and protecting hair. TAME is a lightweight smoothing emulsion that makes hair more manageable and adds shine before and after styling.

Here are just a few reasons I can’t wait to try out the new Style and Tame set!

  • Lightweight, frizz-free hold with STYLE
  • Smooth and shine with TAME
  • Nourishes hair with natural hydrating oils
  • Create both smooth waves and sleek straight styles

Check out the Style and Tame set here! I’m ordering a set this weekend!

Sweet Deals on Bathing Suits at ModCloth!

Screen Shot 2015-05-21 at 3.51.20 PM**This post contains affiliate links and I will be compensated if you make a purchase after clicking through my links.

It’s a pool party over at ModCloth, and you’re invited! With so many bikinis and one pieces to pick from, you’re bound to find a standout look that suits your style. And while you’re at it, check out ModCloth’s exploration of so-called “ideal” beach bodies in their new Swim-fographic!

It’s an intriguing look at how arbitrarily beauty standards have changed over time. Of course, ModCloth knows that every body is a beach body — the only requirements are a beach, your bod, and a swimsuit you can’t wait to flaunt!

And in case you were wondering, this is my fav. suit…

Screen Shot 2015-05-21 at 3.54.38 PMAnd if you’ve never shopped with ModCloth, make sure to join their email list to score a $20 off $100+ purchase coupon code!

Memorial Day Sale at Tea Collection (20% off & Free shipping!!)

**This post contains affiliate links and I will be compensated if you make a purchase after clicking through my links.

Tea Collection is celebrating Memorial Day by offering 20% off of everything with the code WEGOTHERE.

Plus you score totally free shipping!

Not familiar with Tea Collections? They sell all kinds of awesome baby and kids clothes with an international flair. Prints and designs from Right now they have some super cute designs and prints inspired by India!

They also have some cute cute

 

Big Sale Weekend!

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Memorial Day is the 25th (this upcoming Monday), and that means there are going to be all kinds of really great deals and sales.

I try not to post a lot of sales and deals, but this week I’ll be posting 1-2 per day when I find some really great deals that I personally think are worth taking advantage of.

These companies are all ones that I shop at regularly, and really like.

So hold on to your hats, It’s about to get crazy and frugal.

 

Buying in Bulk: Real Savings (without food waste)

I’m sure by now that you know one of my major pet peeves is food waste. That’s why buying in bulk can be such a dangerous proposition. If you can’t use up all of something before it goes bad and you have to throw it away, that’s the same as throwing away money.

One of the ways we save money is by purchasing cheese in bulk. I buy the pre-shredded cheese. There are a few reasons.

  1. I love cheese. I will eat an entire pound block of cheese in a few days. However, I have never sat down and ate pre-shredded cheese straight from the bag.
  2. I don’t own a cheese grater. I don’t want to own a cheese grater. I don’t own a food processor. I don’t want one. I’m not a huge kitchen gadget fan.
  3. For me, it’s a trade off. I would rather pay a few more cents per ounce for the convenience of shredded cheese. My time is worth a few cents per ounce.

IMG_3214Once I’m home from the store, I set up my cheese packaging station. All you need is a stack of ziploc bags, a glass, a salad plate, and a measuring cup. (stack of bags not shown in this photo)

I measure my cheese out into 2 cup packages. That’s the size of most grocery store sized bags of shredded cheese.  I keep 1-2 bags of each kind of cheese in the fridge, and the rest of the bags go into the freezer. Yes, you can freeze cheese.

IMG_3215Put the bag into the cup and wrap the top of the bag (the part with the zip top) over the mouth of the cup. Using the measuring cup, measure however much cheese you plan to store per bag.

After my last trip to Smart & Final, I came home with a 4 lb bag of Mozzarella, and a 5 lb bag of cheddar.

I ended up up with 6 2 cup bags of Mozzarella, and a little left over, and 9 2 cup bags of Cheddar with a little leftover. I used the leftover cheeses to top a pizza. It was a little under 2 cups with both leftover cheeses combined.

IMG_3213Trying to figure out if this is a good deal? Let’s do some math…

The same brand of cheddar cheese in a 2 cup bag at Smart & Final is $2.59.

The 5 lb bag of cheddar cheese was $12.49, and it contained roughly 19 cups of cheese. That makes each cup of cheese .66, making each zip loc bag of cheese containing 2 cups of cheese $1.32. That’s a savings of $1.27 per bag over the pre-measured zip-top bag. When I’m not sure which is a better deal while I’m in the store, I check the price per ounce on the shelf label. Here are two examples of a shelf tag that shows the price per ounce for two separate products (Uncle Ben’s Rice and Carnation Instant Breakfast).

priceperounce

 

Different stores have different shelf tags, so it may take you a few minutes to decipher each stores tags.

Now you have to factor in the cost of the ziploc bags. We re-use our cheese bags, so after they are empty, I wipe them out, put them inside another bag (marked “for cheese”) and stash them in a drawer. I buy ziploc bags en masse when they are on sale. I don’t always re-use bags, but I try to as often as I can.

There you have it. Shopping smartly, taking advantage of a good deal, and how to store your food with little to no waste. That’s what being a savvy shopper is all about.