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Saving Money

Using Coupons to Save Money

What is coupon really? A piece of paper with pictures and writing on it? Something you use to start fires? Spam in your inbox? No silly, a coupon is free money. If you’d asked me that a couple of years ago, I might have said one of the previous answers. I was too busy and too important to use them. I’m a doctor. We don’t use coupons. Well, I’m also a doctor who spent too much money and got into all kinds of debt. When you use your hard earned money to pay off that debt, something funny happens. You want to keep all of that hard earned money or use it for something you really enjoy. Using coupons to save money can allow you to do just that.

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Save Money on Groceries-How to use a Value Card

As many of you may know, I started on a quest to dramatically lower my grocery bills in the latter half of 2012. Thanks to my good pal, Mr. CBB and the Grocery Game Challenge, I have been able to lower my grocery budget from between $500-$600/month to $350/month. The main reason is because I really make an effort to track my purchases. By knowing that I will post them for the world to see, it makes me think twice before I buy a cart full of donuts and deli fried chicken. That being said, I don’t spend tons of time thinking about groceries. One of the best and easiest tools to help cut grocery spending is to use store value cards. I assumed everyone knew about value cards and how they worked, but apparently they may not offer these everywhere. To unlock the mystery of the value card for those who are unfamiliar and to make sure those of you with value cards are using them to their fullest capacity, I’ll share my tips.

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4 Money Saving Resolutions for 2013

Since I’m still on vacation, I have another great guest post today. If you would like to submit a guest post, please read the guidelines and contact me. I get a lot of satisfaction in finding ways to cut costs every month  It amazes me how many simple ways there are to save money in everyday life. Most of which really aren’t sacrifices at all and just require some time and patience to implement. If you consider yourself frugal by nature or are forced to cut expenses to try and get out of debt you’ll find these tips helpful. Here are my four favorites for 2013. Reduce Cable/Satellite TV Costs Tired of paying upwards of $60 a month for 250 channels and still can’t find anything worth watching? Call your satellite TV or cable provider and tell them you want to cancel your service. Typically, they will quickly transfer you to their “Customer Retention” department whose sole job is to keep you from cancelling. They know that once you cancel it’s going to be very difficult to get you back. Because of this, they will offer you a reduced bill which is often similar to their introductory package. If you ...

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Get Your Finances on Track for the New Year and a $100 Giveaway

Happy New Year!  Another holiday season has come and gone. Hopefully you aren’t in a cold sweat waiting for this month’s credit card bill!  One nice thing about a new year is the opportunity it brings for change if you aren’t where you would like to be with your finances.  What would you like to accomplish this year? Pay off debt, save for an emergency fund, stop living paycheck to paycheck, save for retirement? Maybe you had a great 2012 and want to continue on the same path.  January is a great month for taking a look at your finances and making plans for upcoming year. What Are Your Goals? Goals kind of get changed or forgotten if no one knows what they are. Take some time to put down what you would like to accomplish this year. I like to have some goals that I know I can accomplish with a little effort and some stretch goals to really try my hardest.  An easy goal might be to save $50 a month toward an emergency fund or to put toward debt. A stretch goal might be to pay off all credit card debt by the end of the year. ...

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Hosting a Frugal, Rocking Holiday Party

That title might be a little misleading. Parties do cost money, and if you are in a financial bind, you really shouldn’t be hosting one. However, if you like to entertain, there are ways to do it frugally. I did host a pretty rocking Christmas party for my employees this past weekend. Obviously, these tips don’t work if you have 200 people to serve and entertain, but if you are hosting a small holiday gathering, there’s no reason you can’t have a great party without having to ask Santa for grocery money next month. Food Basically for any party, you need to provide food. There is nothing wrong with doing appetizers only. If you buy those fancy pre-made trays at the grocery store, it is much less work, but you’ll end up spending 3-4X more. I like to buy veggies and fruits, then cut and arrange them myself. If you don’t have serving platters or utensils, dollar stores or thrift shop are a treasure trove of holiday serving items right now. You can also buy something like a big bag of frozen shrimp at the grocery store. These cost less and provide more volume than buying the pre-arranged platter with ...

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