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Archive for the ‘Products and Companies Worth Checking Out’ Category

The Saving Money Plan

In Products and Companies Worth Checking Out on January 28, 2010 at 3:16 pm

I can’t remember how I found out about Saving Money Plan www.savingmoneyplan.com but I’m really glad I signed up to receive the daily newsletters because I’ve saved money with coupons I’ve seen in the newsletter, found out about free stuff (you know I love both of those things!) and learned more about how to find and use coupons. I thought it was about time I shared this valuable site with you and decided to go straight to its founder, Claire Williams for all the inside information.

Budget Smart Girl (BSG)-For the readers who don’t know about the site can you tell them what Saving Money Plan is all about?
Claire Williams (CW)-Saving Money Plan encourages you to live better with practical money-saving strategies and daily deals.

BSG-When did it launch?
CW-I launched it in 2008 but I wish I had started sooner.

BSG-How did it come about?
CW-I had been reading so many deal blogs online and realized that I not only loved reading them, but I also wanted to write one! The fact that I had always been known among friends and family as being the one who knew how to save a buck was clearly an added plus!

BSG-How do you find all the great deals?
CW-I’m on lots of newsletters, I have great bloggy friends with whom I share deals, and I read – read – read!

BSG- Is this a full time job for you?
CW-It’s a hobby for me – a part-time job you could say.

BSG-You send out an e-mail newsletter every day for anyone who signs up, what can readers expect to find in their e-mail box every day?
CW-Great deals, lots of coupons, and the specific advice you need to actually use the deals to get tons of free items every week – especially from your local drugstores. The thing readers really like about Saving Money Plan is the free coupon class – as it teaches you to get hundreds of dollars in free items every month. A few years ago I never thought you could really do this, but you definitely can and I do!

BSG-Any money saving tips you’d like to share with us?
CW-Learn the drugstore game! It is one of the best ways to save $3,000 of your household budget this year! And it’s fun! I teach a free coupon class to learn it, but many others write blogs about it as well!

BSG-Can you tell us about some good deals you’ve found in the last week or so?
CW-The holidays are a great time to score deals. This past month I picked up over $90 in free items one week from Rite Aid – that was great. It was totally free.

BSG-Any sites you’d recommend we check out for more good deals.
CW-I love Censtable Momma www.centsablemomma.com and Money Saving Methods www.moneysavingmethods.com I would really recommend those two!

BSG-Anything else you’d like to share?
CW-If you want to learn to coupon at Saving Money Plan, try it here: http://savingmoneyplan.com/introduction-10-step-couponing-course/

Check Out This ‘Hot’ Coupon Site

In Budget Smart Girl's Guide, Products and Companies Worth Checking Out on February 19, 2009 at 2:26 pm

You know I love using coupons so when I heard about Hot Coupon World, www.hotcouponworld.com I had to check it out. For me, navigating the site was a bit like being the kid back the candy store again. You’ll definitely want to check it out and spend some time there. And don’t forget to sign up for the newsletter. To help you get the most out of your first visit, co-founder Julie Parrish shares some secrets not only about Hot Coupon World, but being a couponer too.

Budget Smart Girl (BSG)-How did the site get started and how did you meet your other co-founder Heidi Kennedy?
Julie Parrish (JP)-Heidi and I met online at another deals website six years ago. We were members there and when that site closed the grocery section of its community, we landed on another site where we were moderators. Eventually, that site was sold. We were tired of bouncing around so I messaged her for her phone number and called her. We’d never spoken over the phone before and so she was a bit surprised when I said I think we should open our own site – by couponers, for couponers. So we agreed that I’d fund it and she’d manage it. We opened up with 176 members we’d been online with from previous sites, and in just a few years, we’ve registered over 120,000 people. To this day, nearly 6 years after “meeting” online, we still have yet to meet in person.

BSG-The Web site is great. If I’m a new visitor, where should I start?
JP-On the footer of every page are links to get started. There’s a link for those who are completely new that has a page with our most important forums. There’s also a link to all the abbreviations and acronyms one is going to encounter on the site. It’s a good idea to get in there and look through those so you don’t feel completely lost. There’s also a link about how to join the trader group on our site. That’s where all the fast and furious wheeling and dealing happens as people from across the country swap coupons with each other.

BSG-You have forums, groups, chats…some people are shy about chatting with complete strangers online. How can you encourage people to get involved online, what resources are they going to find in the forums and chat groups?
JP-First off, we have the friendliest forum on the web. Hopping into a social networking community can be downright cutthroat because if you’re new to a topic and you join a group, I’m always amazed at how many sites out there treat new people badly. My favorite expression on sites I’ve joined where I asked a “stupid” question is RTFM. Well, no one wants to be treated like that. You wouldn’t treat someone like that in person who asked you a question that might seem self-explanatory. The reality is, not everyone is going to come to the party with the same level of expertise. So we’ve really made it our policy that there are no stupid questions. The person asking doesn’t know that 100 other people have asked the same question. It’s new terrain to them and we should treat them as such. We encourage people to hop into our “welcome wagon” thread and introduce themselves. It’s not unusual for people to hop right in and welcome the new member. We also have an open door policy where people can email or private message us through the board. And you don’t get a form letter back. There’s a team of us that personally answer all the emails we get. We don’t like getting auto-responder emails when we need help so we want to make sure someone gets a real person on the other end.
Resources in the forums are vast. First there’s the deal info. A member will find the weekly sales circular from nearly every chain grocery store in the country are matched each week to all the manufacturer’s coupons so they know what the best deal going into the store each week is. There’s a coupon trading section where members swap coupons. So if you need coupons for dog food and someone else needs coupons for diapers and you each have what the other person wants, you swap them via postal mail so you get them in time for a sale. Multiple coupons mean multiplied savings. There are also recipes, a place to ask finance questions, online coupon codes, printable coupons, survey site signups and even a place to have off-topic conversations about life, kids, politics and more. Best of all, our members are really great about rallying around each other in times of need.
The chatting with strangers thing can be scary for some. We encourage our members to be safe about their user name, about giving personal information out, and limiting their interactions to just coupon talk if they aren’t comfortable with sharing more. Internet safety is a big deal to us.

BSG-You also have articles on the site. Can anyone share their tips?
JP-The articles section is a new feature for us. We have a few people contributing to them and we’d like to expand that. Truth be told, we’re not tech people or web designers so we’re struggling a bit to get the home page the way we want it, but at some point, when we do, we’re going to really open that wide up because when all’s said and done, we don’t have to have all the answers. Our members are such smart people. They have tons of their own tips, tricks and ideas that we’d be foolish not to give them a platform to share their knowledge with their peers online.

BSG-Any insider tricks for finding coupons, places most of us don’t think about looking?
JP-I love watching people shop because when they do, most of them walk by some of the best coupons you’ll find out there. It’s like shoppers are desensitized to the experience and they’re just there to get the mayo and milk and leave. I always encourage new couponers to walk around the store one time and put nothing in their cart. Walk through the store with fresh eyes and don’t look at the products themselves, look at the store set up. It’s like an optical illusion. Suddenly you don’t see the products – you see this sea of coupons. They’re attached the shelves. They’re attached to products. They’re hanging around the necks of bottles. They’re inside the freezer case. They’re in the little black blinkie boxes. They’re at the cash register, the customer service desk, and the paper racks at the front of the store. They’re on free standing displays and in the produce section and laying freestanding on shelves. I’ve even seen them taped to products hanging on strip clips (those little hanging clips that have products attached vertically on the ends of the aisles). And these coupons tend to sit there and expire because no one sees them. So walk through the store one time without buying anything and play “I spy” and you’ll be amazed how many coupons you find. They tend to be higher value than the Sunday paper, and they have longer expiration dates. But remember, take what you can use or trade and leave a few just in case for someone else who might figure out the hidden treasure hiding in the store.

BSG-Many coupons are found in the Sunday newspapers and women’s magazines, lots of people are dropping subscriptions to these publications. Is there a way to find those same coupons any place else?
JP-Sometimes the insert coupons can be found in the free version of the paper that goes out. So in our areas, once a week, all the store ads go out for free in a subset of the Oregonian. I find inserts in there. We have a lot of members on the site who have done everything from make deals with convenience stores to pick them up when the Sunday paper gets recycled, to “dumpster dive” in a recycle bin for multiple inserts. I’ve also seen people find extras from other people on Craigslist. I get them from family, friends, and neighbors. My husband’s grandmother even mails me hers from Rhode Island. Hotels are another good source because if they give out the local paper, on Sundays, they are just laying around the lobby because no one wants “the junk”. Starbucks and McDonalds – same theory applies. So I’ve had lots of luck there snagging extras that would otherwise get recycled.
And then printable coupons have come a long way. In our coupon database, we have tons of links to printable coupons and some of those are higher value than their printed counterparts that are in the Sunday paper.

BSG-More people are turning to coupons now. If you’re a beginner what tips can you offer them?
JP-Start slowly and don’t get overwhelmed. It’s easy to feel at first that you’re not making progress but it takes time to build an arsenal of coupons so that you can start matching the coupons to sales. Don’t chase every deal at once. Even though we match the deals and coupons for you and you can see what the deal is, pick one thing to chase in a given week and stockpile it. So, if toothpaste and peanut butter are both on sale, don’t kill yourself trying to get both. Pick the one that’s most important to building up a stock at home and chase that deal first. Then, if you have time left over before the sale ends, go get the other deal.
I would also say to slowly add rebates. Those can be overwhelming as well. You need to be really detail oriented with rebates because of the requirements to fulfill them (upc codes, receipts, forms) and the dates can come and go quickly for them. But once you’ve mastered deal hunting, rebates are good to add into the mix because there are lots of opportunities for good freebies.
And then ask questions. We want couponers to be legitimate about how they redeem coupons. There are lots of scams out there and it can be confusing. So don’t be afraid to ask. We’ll try to get you the right answer. Be sure to talk to your store managers at the stores you shop at and learn their coupon policies so you don’t run into issues in the checkout line. Nothing will turn off a new coupon shopper faster than having been made to feel embarrassed about using coupons. Be organized, be prepared, and get through the line quickly and you’ll do just fine.

BSG-You also have a site dedicated to organic and natural food coupons. www.organicgrocerydeals.com Did you get lots of requests for these products does it get more hits now? And are you seeing more organic manufacturers offering coupons?
JP-Organic manufacturers are well behind traditional manufacturers in their efforts to use coupons to market their products. I think there’s a thought out there among the organic manufacturers that they don’t have to use that as a discount strategy. In fact, a friend of mine is the food scientist for a very well-known producer and he was stunned when we talked couponing and why they should look at changing their marketing mix. It had never crossed their minds that their customers wouldn’t just walk up and pay full retail for the products. The problem is, about 10% of shoppers might be willing to do just that. But there’s 90% who need to be incented to try the products, and coupons do just that. There’s also a large part of the population that can’t afford to be 100% organic. So they are going to be even more inclined to buy and stick with a brand that uses coupons to discount the products. Lots of people want to go “green” but it’s expensive and many people have to choose what steps they make to go green. Our site is really designed for those people who are making incremental changes in their lives and don’t want to be judged because they still buy Fruit Loops. Organic Grocery Deals has been slower to take off, but it’s starting to increase in membership and page views because the information is very high quality, the members are non-judgmental, and we try to take a lot of the green-washing of organic and peel it away for folks to make educated decisions about what they’re buying.

BSG-Please feel free to add anything else about yourself, Heidi, the site/coupons or any other plans you have for the future.
JP-We’ve really been blessed both Heidi and I. We’ve been blessed in finding each other in the vast sea of people online. It’s like having a long lost sister. But we’ve also been blessed in learning how to coupon for our own families. I’ve saved and average of $11,000 per year over the past six years and that money really adds up. It lets us do things we wouldn’t have been able to do, including starting the websites.

As to plans for the future….
We’re working on building out our team. We’ve gotten to the point where two of us can’t manage this by ourselves and it’s time to bring on some help. Ultimately, the five-year plan is to have a network of sites dedicated to helping people economize their lives and save money. We want people to be smart with the resources they have. For us, that’s going to extend past coupon information into some other areas. We have a few other sites in the works right now. We’d really like to find a way to give back to our members as well, so there’s a project in beta right now that’s attempting to do just that. If it works like we hope it can, it will mean we can help monetize our members, which is going to be really exciting. We couldn’t ask for a better job than knowing that every day we get to help people change their lives by helping them be smarter shoppers.

Saving Money the SmartyPig Way

In Budget Smart Girl's Guide, Products and Companies Worth Checking Out on January 15, 2009 at 3:03 pm

new-image-smartypig21

Late last year I was sent some information about SmartyPig, www.smartypig.com The name got my attention and when I checked out their Web site, I knew it was something I had to share with other Budget Smart Girls.

SmartyPig is a new way of saving and thinks of itself as saving the 21st Century way. A few days ago I spoke with Jon Gaskell, co-founder of SmartyPig. He shared with me the unique features of the site, how it works and how it can help you save money for everything from your dream vacation to just adding to your rainy day fund. And here’s some great news for subscribers of the Budget Smart Girl newsletter, thanks to the generosity of the folks at SmartyPig, one lucky person is going to be selected to win a $50 SmartyPig gift card to help get their savings off to a great start.

Budget Smart Girl (BSG)-When and how did the whole idea of SmartyPig get started?
Gaskell-SmartyPig was launched in April 2008. We wanted to create a site where people could save for short term goals and tangible items like a new computer, a vacation, even a honeymoon because most other sites were more focused on long term goals such as retirement funds.

BSG-Are you seeing more people using your site now? Are you getting more inquiries about your site?
Gaskell-Yes, right now people are making resolutions about saving money. Making and reaching financial goals seem to be the top of everyone’s list. I think we’ve been in a credit card mindset and now because of the current economy, we’re shifting into the savings mindset.

BSG-Say I’m a new user to SmartyPig, how do I use it? What are the similarities and differences to other online banks? Any truly unique features?
Gaskell-You go to the site, create an account, decide what you want to save for, how much you want to save and if you want to make it private or public, which is one of the unique features of SmartyPig. You can share you goals with your family and friends on social networking sites like MySpace and Facebook. They can help you reach your goal and even add money to your savings account. We’ve found that this feature really helps people reach their goals faster.

BSG-I know online banking is gaining popularity, but there are still some people who are nervous about putting their money into an ‘establishment’ that’s not brick and mortar. Is there anyway you can put their minds at ease?
Gaskell-If you look at the bottom of our site, you’ll see we are FDIC insured and we take all the same security measures and precautions as brick and mortar banks.

BSG-Okay, I’ve saved my money with SmartyPig, now it’s time to spend it. How can I do that?
Gaskell-You have three options. One you can have the money transferred to your checking account. Two you can have the money put on a SmartyPig MasterCard, which acts as a debit card. There’s no charge for withdrawing money from it at an ATM or you can use it anywhere that MasterCard is accepted. Your third option; and this is perfect if you want to buy something from one of the SmartyPig’s partners. For example, let’s say you were saving to buy a ring. One of our partners is Zales. You could use it there and also get an additional discount, so it’s another way to make your money go further.

BSG- Many of us are finding it harder to put money into savings accounts right now, any tips?
Gaskell-You obviously can only save what you can afford, but getting into a savings mindset is important. For example, last year I had two goals. One to save money for the holiday gifts and one for a vacation. When we were flying home I thought I own this vacation, not the credit card company. It was very gratifying knowing I’d already paid for it when I got home. And it’s never too late to start saving, even if you’ve never saved before.

BSG-And what about helping your children save and teaching them about saving rather than putting purchases on credit cards?
Gaskell-We have lots of parents who e-mail us and say it’s amazing how much attention their children have been giving to the money they’re saving and even sharing their goals with their siblings.

BSG-As of speaking today, SmartyPig’s interest rate is 3.25% which is higher than brick and mortar banks.
Gaskell-Yes, we try to be very competitive, we’ve had to lower it recently because of the Fed lowering their rate, but we can pass along a better interest rate because we’re online and have lower overheads than brick and mortar banks.

BSG-And if I save with SmartyPig and need my money for an emergency, is it easily accessible and are there any penalties for withdrawing money before a set time?
Gaskell-None and it usually takes about a day to have the money transferred into your checking account.

BSG-I’m sure Budget Smart Girl readers would like to see the social aspect of SmartyPig in action. Can they view your profile?
Gaskell-Yes, go to Facebook, type in Jon Gaskell and you’ll see my savings goal which right now is to take a train trip across Canada with my two younger brothers.

A note from BSG-you will need to register with Facebook if you’re not already a member to access Jon’s profile.

Special Holiday Offer

In Products and Companies Worth Checking Out on December 11, 2008 at 5:26 pm

If you’re now taking your own lunch to work or thinking about it, here’s a deal you might like. Laptop Lunches has a holiday sale going on. They sell lunchboxes and a whole lot more and are perfect for carrying your homemade lunch and yes, saving money. They also make the pefect gift.
Between December 7 and December 16th they’re offering 20% off all their items, just enter coupon code Holiday2008 at check out. www.laptoplunches.com

More Ideas for Leftovers

In Products and Companies Worth Checking Out on October 8, 2008 at 5:18 pm

I love it when I opened up e-mail and someone’s sent me great money saving tips or recipes. This is an e-mail I received from The Spice Hunter. It got my attention and as this week’s topic is leftovers, I thought I’d share it with you.

If there’s a collective groan every time you reach for the Tupperware stockpile in your fridge, it’s probably time to spice up what you reserve. While eating leftovers saves money, time, and resources, there’s no reason eating virtuously has to be boring. Below are tips from the flavor experts at The Spice Hunter to help you transform your leftovers into a delicious meal, incognito: www.spicehunter.com

Third Time’s the Charm: Best Thing Since Sliced Bread
Don’t throw away bread that’s going stale. Here are three ways to serve:
Croutons: Rip into chunks and sauté in olive oil. Serve in a salad topped with leftover meat, cubed and re-spiced.
Meatballs: Rip bread into pieces and mix with 1 lb. of ground chuck or turkey, half a cup of dry oats, half a cup of milk, and1 egg to form balls. Roll in flour, Spice Hunter Italian Seasoning and Paprika and bake.
Freeze It: When bread starts to go bad, rip it up and freeze. Keep adding, and then you can make either of the above at any time, as well as bread pudding.
Bonus Tip: Cereal past its prime makes a great chicken breading. Just coat chicken breasts in egg, roll in crushed cereal, top with spices (if the cereal’s sweet, try allspice and nutmeg) and bake.

Twice is Nice•Omelettes: Doesn’t matter if dinner was chicken, burgers or burritos – throw what’s left in an omelette and top with your favorite spices. If you have leftover potatoes (baked, roasted or mashed), sauté in olive oil and serve alongside.
Pizza: Keep a frozen crust handy. Top with leftovers to make your own piadini (essentially, salad on top of pizza). Throw it in the oven as you’re eating dinner, and have it ready to go for lunch the next day.
Fajitas: Cut leftover steak, chicken or pork into strips and add Spice Hunter fajita seasoning. Serve with veggie strips and cheese.
Burgers: Make Mexican-style burgers with leftover rice, beans and veggies – just mix with ground beef or turkey before grilling.
Soup: Puree leftover vegetables and add to broth. Spice to taste for a simple veggie soup.

Hair Care Choices-Five Stars

In Products and Companies Worth Checking Out on October 7, 2008 at 2:38 pm

If you read either of my articles about ways to extend the life of your hair color, you might remember someone recommending a product called Hair Color Maintenance Shampoo from Tressa. I ordered some last week from Hair Care Choices, www.haircarechoices.com and highly recommend their company. I only spent $10.99 but the shipping and handling was free, they shipped the product on the day I ordered it and the shampoo arrived two days later. An added plus was they included a coupon for 10% off my next purchase. They get five stars from this Budget Smart Girl.

Check Out this New Book

In Products and Companies Worth Checking Out on August 15, 2008 at 2:20 pm

Here’s a book that I know all Budget Smart Girls will enjoy reading. The Budget Savvy Lesson Plan by Melissa Tosetti and Kevin Gibbons.

Melissa is the creator of Budget Savvy Magazine which was a print publication but now is an online magazine. I’ve written a couple of articles for Melissa. She shares my philosophy about being budget smart while still enjoying the good life, so I know you’ll love the Budget Savvy Lesson Plan. It’s $12.95 and here’s a link that will tell you more about it and how you can order a copy. http://budgetsavvylessonplan.com

Don’t Bite Me!

In Products and Companies Worth Checking Out on June 24, 2008 at 6:00 pm

If you’re a regular visitor of this site you’ll know that if the budget allows I always opt for natural and/or organic products. So you can guess how excited I was to be sent a sample of a new product called Don’t Bite Me! No, it’s not to keep the vampires away, but designed to keep those nasty mosquitoes and other pests of summer at bay.

It’s DEET free, made from vitamin B1 and aloe vera and comes in a patch that you stick onto your body. It’s good for up to 36 hours and is safe to use on children. Seem too good to be true? I have to say I was a bit skeptical about its claims, but I gave it a try.

Negative aspects, the patches are a bit tricky to apply. If the sides get stuck together before you can put it on your skin, that patch is history. Children will definitely need help with application. Plus, it’s a bit stinky, nothing that’s not tolerable mind you.

Positive aspects-yes, it actually works. My house backs on to a densely wooded area and as you can guess we get ticks, mosquitoes you name it. I wore the patch a couple of times, once while I was cutting the grass and didn’t get one bite. Today I thought I’d go outside and do some weeding and didn’t wear a patch and got three bites. And believe me mosquitoes always seem to head for me. In fact, I’m pretty sure people ask me to outside events because they know the bugs will pick on me. So if it works for me, I’m sure it will work on anyone.

Other positive aspect, buying them won’t break the bank. A five pack retails for $4.99 and a 10 pack for $7.99. The press release states they’re available in such stores as Kroger, Rite Aid, Walgreen’s and Wal-Mart, but I ordered mine online from www.dontbitemepatch.com. There you can even save even more money by buying larger quantities. And I’m so happy with this item that I went ahead and ordered six packs.

Some Natural Products Worth Checking Out

In Products and Companies Worth Checking Out on June 10, 2008 at 1:52 pm

While I carefully watch how I spend my money, I’m also careful about the products I buy. If I’m able to squeeze a few natural and/or organic items into the budget, so much the better.

Here are four such items I think are worth checking out.

Noble Juices
Noble Juices is a Florida based company that produce fruit juice such as blood orange and tangerine cranberry. The flavors are very intense and what I think is budget friendly about them is you can dilute them or add half sparkling water and make one bottle go even further. I made ice pop treats with them too. And even used the blood orange flavor in a salad dressing. www.noblejuice.com

Hansen’s Natural
I’ve been buying Hansen’s soda for many years. They now have a new line called Hansen’s Sparkling Refreshment. They’re available in regular and sugar free varieties with such flavors as blueberry/pomegranate, cranberry/grapefruit, dragonfruit and Valencia orange.
The regular variety contains just 90 calories per can and all are 100% caffeine, sodium and preservative free. They don’t add high fructose corn syrup and are instead sweetened with real cane sugar. I loved all four of the flavors, and while I’m not a fan of grapefruit, I loved this one. You can really taste the true flavors of all the fruits. I recommend them as a refreshing treat when the temperatures rise.
www.hansens.com

Surya Brasil Organic Moisturizing Hand Sanitizer
Call me obsessed with keeping germs at bay, but I always carry a bottle of hand sanitizer in my purse. I was thrilled to hear about this organic variety. It contains no parabens or petrochemicals and is gentle on sensitive skin.
It smells wonderful too. Your hands don’t smell like rubbing alcohol after you’ve used it. And another plus is this one doesn’t burn or sting if you have a cut on your fingers. And best of all it doesn’t make your hands feel sticky after you’ve used it. It’s available in two sizes. One is ideal for your purse, the other, either your car or even to pop into the picnic cooler this summer. 2.02 fl. Oz. $4.99, 6.76 fl oz. $14.99
www.suryacosmetics.com

Natural Dentist
If you read my blog about an ounce of prevention, you’ll know one way to save money on dental bills is to take good care of your teeth. Here’s a line of products from a company called Natural Dentist that might help you do just that. They offer both toothpaste and mouthwashes. No petroleum by products and no artificial dyes.
www.thenaturaldentist.com

Doctors Foster and Smith-A Five Star Rating

In Products and Companies Worth Checking Out on May 7, 2008 at 5:28 pm

I’ve been buying pet products from Doctors Foster and Smith for a couple of years now and can recommend their products, services and fast delivery. I placed an order on Sunday and the products were on the doorstep Tuesday evening. And that was using the standard shipping service.
They sell everything from items for the backyard pond to dog beds, and everything is top quality. Check out their Web site at www.DrsFosterSmith.com. Five Stars for value, service and quality of products.

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