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Are Any Black Friday Deals Worth Fighting the Crowd?

gift cards on sale at target

I have a big goal this year of not getting sucked into any Black Friday deals. I hate crowds, rampant consumerism, and marketing ploys that make people think they are saving money by spending more. That being said, Black Friday does offer some pretty sweet deals. In my rule book, if purchases are necessary or add value, are something you needed to buy right away,and are at the best price, it’s probably time to pull the trigger when a good deal comes along. Right now, I’m on the fence about going to any stores on Black Friday, but in the name of saving money, here are some deals that could make it worth fighting the crowd on Black Friday. Target Gift Cards Target is offering maybe the most attractive Black Friday deal of all, 10% off up to $300 in gift cards in stores AND at Target.com on Friday the 28th between 6AM and Noon. You can use the gift cards starting on Saturday the 29th, and they don’t have an expiration date. I love deals like this because it’s a flat 10% off. I can easily see Jim and myself each getting $300 worth for $60 off things we ...

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How To Christmas Shop For Free

free Amazon gift cards

On Monday, we talked about reasons people spend too much over the holidays. I’ve been there, done that, and I’m never going back again. Today, I’ll share some strategies that will allow you to Christmas shop for reduced cost or even free. You actually don’t have to apply this strategy to Christmas shopping. You could use it  to pay off debt, take a trip,make a big purchase, or whatever you want. If you are looking for a way to bankroll Christmas this season, it won’t work, but if you start now, by next year, you could seriously have a zero bill for holiday gifts. Use Shopping Portals I tend to do most of my shopping on Amazon because it’s easy, and I love the two day free shipping on Amazon Prime. However, sometimes there are better deals by going through shopping portals. You can use a site like cashbackholic to see where the best cash back deal is at the moment. My current favorite is Ebates. For example, I needed a new wallet a couple of months ago. I hate buying wallets, but I lost two credit cards because my current one wouldn’t stay closed. It was time. I found a perfect ...

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Cut Your Grocery Spending

ways to spend less on groceries

I mentioned last month that we were going on grocery spending lock down to reset our food budget and stop the upward creep that was happening. You can’t control the mortgage payment or health insurance costs, but you can take charge of what you eat. There are tons of ways to cut your grocery spending without too much effort. How Much Did We Spend? Our grocery spending has been around $500-$600 per month, mainly because I have not been paying attention. I got tricked into buying things we didn’t need because they were on sale, or I would buy something only to come home and see two of the same product sitting on the shelf. I know better. For October, our grocery spending was $382.68 This is even more exciting than it looks because we had to buy dog food once, and I stocked up on vitamins with a buy one get one free sale. If you subtract out those non grocery costs, we only spent $332.70! How Did We Cut Over $150 From Our Grocery Spending? Ate From our Pantry and Freezer While I think it’s important to keep some non-perishable foods on hand in case of emergency, we did ...

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5 Things I’m Spending Too Much Money On And How I’m Going To Stop

ways to curb your spending

I’ve  noticed that our spending has crept up over the past few months, and I think I’m mostly to blame. The problem is that I can justify just about any purchase and make it seem like a necessity. That’s probably a big reason we got into so much debt a few years ago. We’re not in that situation by a long shot, but I’m not liking the trends. I’ve found that when I share my financial woes, I’m much more likely to turn negative into positive, so here are the things I’m spending too much money on and how I’m going to stop. 1) Groceries No, I won’t stop buying food, but our grocery spending has crept up since we paid off our debt. In a way, I’m OK with that because one reason to pay off debt is so you can actually buy a bag of cherries and not feel guilty about it. On the other hand, I do think I get fooled by the store’s advertising. I see things on sale and buy them, even if we don’t really need them at the time. The other day I went in for a few items and found myself buying ...

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Is Kindle Unlimited A Good Deal?

unlimited books on Kindle for $9.99 per month

One of my biggest impulse buy temptations is Kindle books. For years, I was a hold out and refused adapting to e-books. I thought I preferred an actual text in my hands, and I liked the look of books on a shelf. Doesn’t that make you seem smarter? Anyway, my office staff gave me a Kindle, 2nd generation a few years ago, and I was hooked. No more carrying books around. No more not having a book when I want one. I upgraded to a about a year ago, and it’s like crack for avid readers. Almost any book in a few seconds. What’s not to like? Well, that also presents a problem. I have been known to binge read. It’s kind of like binge watching, but can cost much more if you have to buy several books in a series. I am not one who can space it out either. It’s a wonder my family got fed during the four days it took me to read the Hunger Games trilogy. I try to limit my Kindle purchases, but it’s really hard if I find a series or author I like. When I heard about Kindle Unlimited, I wondered if ...

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