Food

How To Make A Coupon Binder

How to make a coupon binderEveryone that uses coupons needs an efficient method of organizing them. For a couponer, there is nothing worse than knowing you have a coupon for an item; but you can not find it.

While there are several ways of organizing them, perhaps one of the best ways is to use a ring binder since it offers a great deal of flexibility. As your collection grows, then additional pages can easily be added (or removed when not needed). It can work equally well for someone who is new to collecting as well as the extreme couponer.

A coupon binder can be as simplistic or as elaborate as you want it to be. There is no right or wrong way to put one together. What is best for you is the correct way. Having said that, here are some ideas to consider:

Choosing The Right Binder

Keep reading » about How To Make A Coupon Binder

6 Sneaky Supermarket Tricks To Watch Out For

Two-For

Today, we've got a guest article from savvy shopper Anna, owner of Bargainmoose.ca, the Canadian website for coupon codes, shopping deals, and money-saving advice. Anna's going to be telling us about some of the methods that supermarkets use to make you buy certain brands or to spend more money.

1. Eye-level placement

Did you know that when stores want to sell you something in particular over another item or brand, they place these products at eye level? It's naturally the first place your eye goes to on the shelf, and you're more likely to pick up those items.

And what's even better, they use the female averages as the eye level height, because it's more likely that the female is making the purchasing decision.

Stores tend to put the small sizes at eye level too, with larger sizing above or below. These larger sizes tend to have a lower price per unit (bigger is better!), so it's more economical to go for one of those.

So here's the money-saving tip: look up and look down! You might spot a better bargain.

2. End of aisle placement

The end of the aisle is a prime selling venue in the supermarket, but that doesn't necessarily mean it is the best deal for the consumer. The grocery store could be trying to offload some high margin stock, or they may even have received a premium for stocking this particular brand front and centre. Walk on past... the same product will be in the regular place, alongside other items and you can price compare to make sure it is the best deal.

Money-saving tip: ignore the end of aisle placements!

3. Buy 1 get 1...

Keep reading » about 6 Sneaky Supermarket Tricks To Watch Out For

How To Save Money By Using Coupons

How to save money by using coupons

This is a guest post by Young And Thrifty, one of my favourite bloggers that I read religiously whenever she publishes something new! She’s trying to “save generation Y” by writing her blog on personal finance for beginners like her sisters who don’t have a clue about how to manage their finances. So far I’d say she’s doing a fantastic job!

There's no secret to it, really. The trick is to get the coupons, sort them, and then use them when the items matching the coupons go on sale. Some advance planning is necessary because it usually takes a few business days for coupons requested online to be mailed out to you.

So, how does one sort all of these coupons anyway? I recently created a few envelopes that I have labeled “Food” and “Household” to start off. It certainly helps to keep things organized when you are in a pinch and rummaging around for the right coupon. In order for it to work, you need to keep your coupon stash handy, especially when you're going out and buying groceries. The other secret is to try and use coupons at stores where you can collect points (a shining example - Shoppers Drug Mart Optimum points). I learned recently that even though you spend $5.99 on toilet paper and you have a $1.00 coupon off, the value you get for earning points is still $5.99! That means on those 20x the points days at Shoppers you don’t actually have to spend a full $50 out of pocket to get $50 worth of points. This, my friends, is double dipping and it is indeed a good thing.

Online Coupon Websites Where You Can Request Coupons By Mail

Keep reading » about How To Save Money By Using Coupons

Save Money On Your Groceries: “Money In Your Pocket” Review

Save Money On Groceries Have you ever been frustrated at the high cost of your grocery bill? Doesn’t it seem like the cost of this essential expense just keeps rising and rising with no end in sight? Well, what if I told you it was possible to cut your grocery bill by 20%, 50%, even up to 100%? Sounds fantastic, I know! Right about now you’re thinking either: “where can I sign up?” or “where’s the catch?”.

Ok, it’s true, there is a catch – but it’s a pretty reasonable catch. The catch is you will have to do a little bit of reading and little bit of work to make it happen. The other catch is that you can end up walking out of the store having paid $0 or even having made money, but this definitely isn’t possible every time you go shopping and it is hard to achieve results that good when you’re just getting started. As you practice the art of saving money on your groceries, your savings will keep increasing until you are able to save more than 50% off your grocery bill on a regular basis!

Now that you know the stakes, I guess I better tell you how you can get started. Cassie Howard, the well-known Canadian blogger behind MrsJanuary.com, has recently released a brand new eBook called Money In Your Pocket: A Canadian Guide to Coupons, Stockpiling, and More. I have just finished reading the entire 65 page book, where she breaks down the complete process of getting huge savings on your groceries while providing additional links to a ton of useful resources to help you along. It’s a very worthwhile read, and it is my pleasure to review it and let you know what you can expect if you decide to read it yourself.

The Basics of Saving Money on Groceries – Chapter 1

The first chapter of the book is probably my favourite chapter because she covers so much ground in so few words about the basic principles you can follow to save money on your groceries and other purchases. She goes over things like how to read and use the sale flyers, menu planning, how to make a proper grocery list, retailer sales cycles (yes – sales are recurring and planned far in advance), and the basics of stocking up.

She also covers some more advanced topics like the Scanning Code of Practice (the who what??), price matching, and rain checks. Her description of price matching along with the provided links to resources on her own site actually make the thought of price matching a large number of items to save time, money, and gas a bearable one. Price matching is very intimidating to most first timers, but she actually makes it look easy and, by following her advice, chances are that it will be!

There are 17 topics in all in the first chapter and each one of them helps to provide a solid foundation for you to start saving money on your groceries. This all leads up to the biggest grocery money saver there is:

Use Coupons to Slash Your Grocery Bill – Chapter 2

Keep reading » about Save Money On Your Groceries: “Money In Your Pocket” Review

Using Freezer Cooking As A Way To Reduce Your Grocery Budget

Frozen Food

This is a guest post by Melissa, a stay at home mom to three little ones. She blogs at Mom's Plans where she shares how she and her family are learning to live a fulfilling life on less. She also shares her adventures in freezer cooking on a monthly basis.

When I had my second child two years ago, my husband and I got serious about finding ways to save money. We realized our budget had a huge leak in the food category. Because we were busy with a newborn and a four year old, we did not always plan our dinners. As a result, we often picked up food or ate expensive precooked freezer foods from the grocery store. Our lack of planning was costing us several hundred dollars a month.

I had heard about freezer cooking as a method to save money and time, but I thought the whole idea sounded like pure torture. Who wants to spend an entire day cooking ALL day, and then, when you are wiped out, spend the evening cleaning up the mess? No thanks, not for me.

My husband didn’t want to do it either because he was worried the food wouldn’t taste fresh. Neither one of us wanted to eat endless casseroles (which is what we both thought of with freezer cooking).

The Freezer Cooking Turn Around

Keep reading » about Using Freezer Cooking As A Way To Reduce Your Grocery Budget

Four Frugal Foods That Should Be A Staple In Every Home (And They Are Healthy, Too!)

Potatoes

This is a guest post written by Denise from The Single Saver, a single woman herself who grew up in a small family. A reformed spend-a-holic, she now enjoys the challenge of finding new ways to live a frugal yet very comfortable lifestyle. When not saving money, she is usually spending it on food for her two greyhounds and two cats.

Food – it is one expense that, no matter how much we would like to, we can never completely eliminate. And for most of us, a big chunk of our budgets are eaten up (pun intended) by food in one form or another. Reducing your grocery bill can help free up money for other purposes. But how? One way is to buy foods that are filling, nutritious, have long shelf-lives, and are cheap.

The four foods I am about to tell you about should be staples in every home due to their many excellent qualities. First off, they are all very inexpensive. Secondly, they all offer excellent health benefits. Third, they have long shelf lives, meaning costly food waste is kept to a minimum. Fourth, they are filling foods than can be combined with other ingredients to make a large variety of dishes. Oh, and did I mention they are super INEXPENSIVE?

As an added bonus, each of these items can be prepared in as large or as small of a serving as is needed, making them ideal for singles and smaller families to have on hand.

And now, without farther ado, here is the list: Keep reading » about Four Frugal Foods That Should Be A Staple In Every Home (And They Are Healthy, Too!)

Shopping At Costco: The Lazy Way To Save Money On Almost Everything

shoppingatcostcothelazywaytosavemoneyonalmosteverything.jpgWhen it comes to everyday shopping value, Costco truly is the cream of the crop and it is very hard for them to be beat in regards to value because they have great prices on above average quality products. Most people have shopped at Costco at one time or another, so I may be preaching to the choir here, but there has to be at least one person out there that still hasn’t given them a chance!

What do I mean when I say it is the lazy way to save money? Well, you definitely aren’t going to get the absolute lowest price when shopping at Costco. If you look out for amazing loss leader sales, you will often be able to beat Costco’s prices just by doing that. Then, if you combine a good manufacturer’s coupon with said sales, you are practically guaranteed to get a better deal elsewhere. However, finding cheap prices that way requires vigilance and dedication as well as potential trips to several stores with a lot of time wasted and money spent on gas!

When you shop at Costco, you are almost always guaranteed a more than competitive price and a selection of products that is heavily screened for quality. It is very rare to find an inferiour product at Costco as it seems every product has been hand picked to the highest quality and even products you see in other stores often come with an added feature or bonus to make them just a little bit better. But more importantly you will save yourself a whole lot of research and time making Costco the perfect choice for busy people focused on advancing their career (i.e. making more money) and their family or even those just looking to maximize their efficiency and free time while still saving money.

Shopping at Costco is actually almost too easy as you always find so many great products that you never knew existed before, so you may end up spending much more than you originally intended to. To stay on budget, it is important to go in with a list of things you need and then stick to it religiously. Don’t say I didn’t warn you!

Keep reading for pros and cons of shopping at Costco, a list of good things to buy there, and some tips and tricks to save even more money on your Costco adventures!

Costco Pros

Keep reading » about Shopping At Costco: The Lazy Way To Save Money On Almost Everything

Who Says Nothing In Life Is Free?

Click for a bigger version! Have you ever heard somebody say “Nothing in life is free”? I’m sure you have because it has become very cliché and people tend to say it all the time without really thinking about it. Well, the above picture proves that stuff in life can be free because every single item in that picture was either purchased for free or very nearly free!

A picture may be worth a thousand words, but this one in particular deserves a little back story to fill you in on how all of these free items came to be.

Where Did All This Free Stuff Come From?

Keep reading » about Who Says Nothing In Life Is Free?

Pages