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Shopping Smart

In Uncategorized on May 25, 2012 at 2:35 pm

I’ve been using coupons and shopping from store flyers for many years. While I’m proud to say I save anywhere from ten to fifteen dollars each week, I’ve finally kicked my savings into high gear. The supermarket I do the bulk of my shopping at tallies up your savings on your receipt. The other day mine came to $69.35, so much in fact, that the store has a policy that if it’s over $50 a supervisor has to check and okay it for the cashier.  Here’s what I’ve learned from months of fine tuning my savings-

A Sale Isn’t a Catch

 

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Last week I was in the store and wanted to buy tomatoes. I noticed that boxes of capari tomatoes, normally $3.99 a box which contains one pound were just 99 cents. I had to do a double take because usually this variety is the most expensive. Nope, my eyes hadn’t deceived me. Straightway I thought I’ll stock up and knew I could use my dehydrator to make sun-dried tomatoes.  Tip one, think ahead to what you can do when you stock up on an item. What surprised me was a lady was also shopping for tomatoes and saw me filling my cart. She said she couldn’t believe how cheap they were but they probably weren’t any good for that price. I told her I buy them and they’re great but still she chose to pass on them and buy ones that cost $2 more per pound. Guess I wouldn’t make much of a salesperson but the bottom line is some bargains are just that, no tricks, no bad tasting food, just a good buy for you so don’t be afraid to take advantage of them.

Play the Match Game

One thing I’m getting better at is matching manufacturer’s coupons with store coupons and doubling the saving. Most of this week’s buys were purchased using that combo. It takes a little more time to play the match game but definitely worth it.

More Than One Coupon…use it

Another thing that worked for me this week was I had more than one of the same coupon on items that were on sale. No you can’t use two on one item but when I found a deal like 2 for $5 I bought three of that item and used two coupons. Lots of people don’t realize that you don’t have to buy two items when the store offers this type of deal (well unless they specifically say you can’t).

Be Rewarded

The previous week I bought six boxes of cereal, got $10 off on that trip to the store and was given a coupon for a free gallon of milk which I used this week. And as the same deal was still running, bought another six boxes, got another $10 off my bill and another coupon for milk.

Use Coupons With Sales

Speaking of cereal I also had one for $1 off two boxes of cereal and free fruit. I used it to buy three pounds of bananas that were on sale for 35 cents a pound… and yes, I thought ahead and I’m drying them for future snacks and an addition to a homemade trail mix.

Think Future Meals

I also think ahead to what I’ll be making in the coming weeks or even months. Summer’s around the corner which means, more salads, vegetables, grilling. So I took advantage of the sales, and yes, coupons too for items like salad dressings, dressings that can be used as marinades on veggies, and BBQ sauce. I even stocked up on mayonnaise knowing I’ll be making potato salads and more sandwiches during the warmer weather.

Plan for Holidays

And this week the store had lots of good deals because of the upcoming holiday weekend. Beans, pickles, tomato ketchup, all things that store perfectly in the pantry and can be used beyond the summer season.

What’s ahead on Budget Smart Girl?

Budget Smart Girl will take a break next week and then kick in with some summer features. The first delivery of my CSA box of veggies begins on June 6th. Each week I’ll be sharing with you what’s in there and what I’ve made from the contents. I’m hoping to get a Friday Freebie feature started…something that’s free that week to share with you. Also, what’s going on with my backyard vegetable garden and recipes I’ve made using this homegrown produce. And yes, as summer’s the time for more fruits and vegetables than you can only eat,  I’ll be sharing with you tips on preserving foods for fall and winter.

Hope you have a wonderful holiday weekend.

May’s Month of Savings

In Georgine Saves Blogs, Uncategorized on May 15, 2012 at 3:29 pm

Lots of good tips from Georgine this month-

May is a big month. First there is Mother’s Day, then communions, confirmations, weddings, and graduations to name a few of the exciting gift-giving occasions. Flowers are a perfect fit for all of them. Jewelry is another timeless expression of affection.  Keep in mind, most often, if an online site asks if you have a coupon code, there probably is one. If you have trouble locating one, try Swag Bucks. It is a search engine just like Google however the BIG difference is that you earn points randomly for your searches (you get 100 points just for joining). These points add up quickly and can be redeemed for gift cards to popular stores, apparel, gifts, books, movies, and so much more. If you are going to search you might as well get rewarded.

 Then of course, let’s not forget Memorial Day, which is the kick-off to summer fun. To get your barbeque stated you might want to visit Omaha Steaks for the best deals on beef, seafood, and poultry. In the supermarket you will find sales on charcoal, lighter fluid, as well as ketchup, mustard, relish, and pickles. Now is the time to clip those coupons to combine with the sales that will be happening all month long. Ice cream is another treat you can stock up on. Remember; try to buy when products are on sale and NOT when you need them. You’ll save a bundle by planning ahead. Soda and bottled water too are staples you can keep for several months. Chips and salad dressing (get the ones with the longest expiration dates so you can use throughout the fall and winter) are highly reduced this time of the year. Many stores will start drastically reducing paper plates, cups, and utensils. Grab these up because they have no shelf life and you can continue using them all through the winter months.

When preparing for garden and yard work, save time and money by replacing the gas in your mower or other machine (always dispose of the stale gas as per your town’s regulations). This will save you the cost of a tune-up because you probably don’t need one.

Look for deals in electronics too. With all the outdoor activities many stores will have specials on cameras, GPS devices, notebooks, and other easy-travel items.

Enjoy the extra money you’ve saved and have fun all month long.

The Budget Smart Girl Newsletter-December 2011

In Budget Smart Girl's Newsletter, Uncategorized on December 6, 2011 at 6:25 pm

Another year almost over and the last newsletter of 2011. This one is holiday focused-

Bargain Wines

Some of you who followed my column over at Garden and Hearth might remember Natalie MacLean who is a wine expert. She’ just written another book, this one’s titled Unquenchable and devoted to bargain wines. I asked her to share with us some of her suggestions for great wines for the holidays and here they are. Be sure to check out her Web site at http://www.nataliemaclean.com/

2010 Peter Zemmer Pinot Grigio, D.O.C., Alto Adige, Italy: Fresh and alive like spring white linens blowing in the breeze. Lime and lemon zest. Mouth-watering and medium-bodied. Pair with: seafood chowder. $15.95  Score: 88/100.

2010 Konrad Sauvignon Blanc, Marlborough, New Zealand: One of my favourite Sauvignon Blancs, and it’s incredibly well priced. Herbal and zippy but not too grassy. Terrific acidity for food. Love it! Pair with: sea bass in a citrus sauce, pan seared chicken with a creamy tarragon sauce. $17.95  Score: 90/100.

2009 Montes Carmenère Alpha, Colchagua Valley, Chile: Yes, yes, yes! I am referring to the wine: this is simply amazing for the price. The total package. Packed with gorgeously layered fruit yet there’s acidity and elegance. Pair with: Korean ribs, herbed steak. $19.95  Score: 92/100.

2009 Château Rochecolombe , A.C., Côtes Du Rhône, France: Tremendous quality and taste for the money. Black raspberries and cherries with smoky cedar notes. Full-bodied and smooth. Gold Medal at the 2010 Concours Général Agricole in Paris. Decant for 1-2 hours. Drink: 2011-2015.  $14.95  Score: 89/100.

2007 Terre Nere Rosso Di Montalcino Campigli Vallone Pierina, D.O.C., Tuscany, Italy: Satin smooth and enticing. Juicy with black cherry. Pair with: beef stew, lamb stew, dishes featuring grilled portobello mushrooms. $17.95  Score: 89/100.

Gloria Ferrer Brut Sparkling Wineméthode Champenoise, Sonoma County, California: I’ve been a fan of this bubbly for years: It’s beautifully made and so refreshing. The price is an absolute steal. Get a case for the holidays. $21.95  Score: 90/100.

Chocolate Event and Giveaway on Twitter

I just received information about this event which takes places on Twitter to night-

 (Tuesday, 12/6) Scharffen Berger Chocolate Maker will be giving away 5 Everything Basic Baking Gift Sets as part of our Holiday Recipe Exchange, on Twitter, from 7-8 PM EST. With all the baking products you need to whip up this holiday season’s masterpiece, the baking set is perfect to use during the holidays or as a great hostess gift. Please feel free to invite your readers to participate for a chance to win.
Cohosting with Scharffen Berger Chocolate @ScharffenBerger  will be our panel of baking experts: Babette Pepaj of @bakespace, Matt Armendariz of Matt Bites @mattarmendariz, Jamie of My Baking Addiction @bakingaddiction and Susan Whetzel of @doughmesstic.
 
It should be an excellent opportunity to exchange holiday recipes, gain inspiration and useful tips, and chat with baking aficionados and dessert lovers.

A Snack and Gift

I forgot to include this one in last week’s gift guide. Great for the holidays and for gift giving too-

·Need a hostess gift in a snap? Bring a box of Nonni’s Biscotti with you. Nonni’s traditional recipe use real eggs, butter and gourmet bittersweet chocolate to give each biscotti a light, crunchy texture that is delicately sweet. They make the perfect complement to any desert table, when served with coffee, or a special treat the host can save just for herself in eight delicious flavors including Orginali, Caramel Latte, Cioccolati, Decadence, Limone, Toffee Almond, Triple Milke Chocolate and Turtle Pecan.

Unexpected guests? No problem! set out a plate of Nonni’s Biscotti Bites for guests to nibble on. These mini-versions of the beloved classic provide a unique eating experience crafted with the finest, all natural ingredients available in three delectable flavors: Almond dark Chocolate, Caramel Milk Chocolate and Classic Almond. 

Need a delicious snack on the run? Each Nonni’s Biscotti is individually wrapped making it a great treat to throw into your purse for a delicious treat as you run errands before hosting or attending a holiday event. Baked with high quality, natural ingredients and half the amount of sugar compared to other cookies, they’re also a guilt-free snack.

http://www.amazon.com/Nonnis-Toffee-Almond-Biscotti-Cookies/dp/B0055N4JPY/ref=pd_sim_sbs_gro_4

More Pies and Turkey

And if you didn’t get enough pie and Turkey at Thanksgiving, I received these two recipes last week that I thought I’d share with you courtesy of Thai Kitchen http://www.thaikitchen.com/

Thai Kitchen® Coconut Pumpkin Pie
 
Prep Time:  5 minutes
Cook Time: 1 hour and 10 minutes
  
   1 frozen unbaked deep dish pie crust (9-inch)
   3 eggs, beaten
3/4 cup packed brown sugar
   1 tablespoon pumpkin pie spice
1/2 teaspoon salt
   1 can (15 ounces) pumpkin 
   1 can (14 ounces) Thai Kitchen® Coconut Milk
 

Place frozen pie crust on foil-lined baking sheet.

Mix eggs, sugar, pumpkin pie spice and salt in large bowl until smooth.  Stir in pumpkin.  Gradually add coconut milk, mixing well.  Pour into pie crust. 

Bake in preheated 425°F oven 15 minutes.  Reduce oven temperature to 350°F.  Bake 55 minutes longer or until knife inserted in center comes out clean.  Cool on wire rack.
 
Serve warm or refrigerate until ready to serve.  Garnish with whipped cream and sprinkle with additional pumpkin pie spice, if desired.  Store leftover pie in refrigerator. 
 
Makes 8 servings.
 
Thai Kitchen® Red Curry Turkey Pot Pie
 
Prep Time:  10 minutes 
Cook Time: 40 minutes 
Makes 8 servings.
 
   1 can (14 ounces) Thai Kitchen® Coconut Milk
1/2 cup water
   2 pkgs. (.87 oz. each) turkey gravy mix, such as McCormick® Turkey Gravy Mix
   1 tbsp Thai Kitchen® Red Curry Paste
   3 cups cubed cooked turkey 
   2 cups frozen mixed vegetables  
   1 refrigerated pie crust (from 15-ounce package)
 
MIX Coconut Milk and water in large saucepan. Add gravy mix and Red Curry Paste; stir until well blended. Bring to boil on medium heat, stirring frequently. Stir in turkey and vegetables. Return to boil. Reduce heat to low; simmer 5 minutes. 
 
SPOON into 9-inch deep-dish pie plate or 2-quart baking dish. Top with pie crust. Seal edges and cut several slits on top. 
 
BAKE in preheated 425°F oven 25 minutes or until crust is golden brown. Let stand 5 minutes before serving.   
 
And finally
Here are some articles I found on the Web-
 
Jewels for the Holidays
Jewelry under $100
 
How to Make Perfect Pie Crust
 
Do It Yourself Home Energy Checks
 
Party Dresses Under $50
 
The Best Instant Mashed Potatoes…so glad my favorite brand was the winner, it’s the only one I’ll buy-
 
Buy It or Make It…I often ask the same question and here’s the response about mayonnaise-
 
Happy Holidays.

Budget Smart Girl Gift Ideas

In Budget Smart Girl's Guide, Uncategorized on December 2, 2011 at 3:48 pm

Here are some more ideas for budget friendly gift ideas-

Greeting Cards

I saw this one yesterday and it’s a greeting card you can send featuring your pet. Best thing is it’s free-

http://www.tailsinc.com/2011/11/send-a-singing-greeting-card-starring-your-pet/

And if you’re looking for inexpensive cards this year check out Vistaprint, they’re offering 20 customized holiday cards for $1.99, www.vistaprint.com/igloo

Georgine Saves Tip Book

Our own Georgine has just published her own tip book so be sure to check it you either for yourself or as a holiday gift- http://georginesaves.com/book/

Free Online Game For the Kids

Here’s a link to a free game for children

http://tocaboca.com/games/

Eco Friendly Gifts

I always like to include one company selling eco friendly gifts so here is this year’s pick http://www.ethicalocean.com/shopping

Tea

Here’s something that caught my eye as soon as I saw the e-mail about it. Chocolate tea. Can’t think of a better combination. http://www.tisano.com/

Something For the Stocking

We all love to snack and I thought this one made the perfect stocking stuffer-

http://www.somersaultsnackco.com/?event=shop.products

Check Out the Deals

And I was e-mailed information about this site www.dealradar.com that is a handy reference when you’re looking for deals for the holidays.

Coffee Gifts

Seems everyone I know drinks coffee and one way to save money is to brew your own so this might be a welcome gift for someone on your list

http://sognocoffee.com/

Something For Everyone

I have my eye on a few items at this store where you’re sure to find something and the prices are budget friendly too-

http://www.mud-pie.com/

For Those Aching Feet

And finally after you’ve done all that shopping your feet might need a rest and here are some bendable ballet slippers that cost just $15.

http://usadawgs.com/Bendable-Ballet-Flats.html

Next week ideas for homemade gifts and maybe another gift guide.

Decorating Your Christmas Tree Like A Pro

In Uncategorized on November 29, 2011 at 3:31 pm

Here are some tips for decorating a Christmas Tree from floral expert Angie Zimmerman-

Whether you are using a fresh tree or an artificial tree, the tips below will apply.  (If there are any distinctions, I will make them within the tip itself).

1) It is important to start with a THEME.  Themes can be ethnic (Hawaiian, Asian, German, etc), colors (like blue and silver or red and green or purple and gold), eclectic (a mixture of color coordinated items where all elements go together), playful, object oriented like stars or fairies, patriotic….you get the idea, right?  All elements including the ribbon, ornaments and colors should help develop the overall theme.

2) If you are using an artificial tree, get it in shape before you start putting it together.  I call it fluffing the tree.  But the idea is to pull, form and shape the branches until they look like a REAL tree branch.  Start with the lower branches and work your way up.  Then shape the tips so they look as natural as possible.  Obviously, when you are using a real tree, what you see is what you get.

 

3) Stabilize the tree.  Whether it is real or artificial, you don’t want the tree leaning or falling.  In some of the hotels I have decorated, they actually had their maintenance department create plywood bases that the trees were attached to and the bases had wheels so the trees could be moved around the ballrooms as needed.  You probably don’t need to do that in your home, but in case you do, it’s a great idea. If your tree is over 12 feet tall, you really should use guide wires high in the tree, attached high on the trunk of the tree and extending to a wall or ceiling.

4) If your tree trunk is a little bare, use an artificial garland and wrap it around the trunk to cover up the bareness and make the tree look fuller.

5) Plan to use 100 lights per foot of tree height for trees 7 feet tall and as many as 150 lights per foot if the trees are more than 7 feet tall.  Consider using shorter strands because they are easier to use than 100 light strands because of cord lengths.  It is also easier to replace strands if you have to.

6) Follow package instructions as to how many light strands to attach together.  Generally, you cannot connect more than six strands together.  Be very careful NOT to attach too many or you create a fire hazard.  Use a multiple strip outlet or special tree light cord attached to the trunk of the tree to safely plug in all strands.

7) Put the lights on FIRST.  Start at the top of the tree and work your way down.  If you have them plugged in while you are attaching them, it is easier to ensure even placement.  Place lights on one branch at a time starting at the inside by the trunk and working your way out to the tips.  Wrap the lights around the main spine of the branch.  As one branch is finished, return to the trunk and move to the next branch, repeating the process.  This can take 15-20 minutes per 50 light strand.

8) When you are ready to start adding the decorations, turn the lights out.  This eliminates distraction and allows for a more balanced distribution of the decorations.  Place the topper on first, next add any fabric, ribbon, vines, permanent foliages, bead or tinsel garlands.

9) The next step is to add the ornaments.  Follow a plan.  Visualize the tree as a group of triangles, and decorate each triangular area evenly.  Make sure ornament placement and color distribution is balanced.  Place large or important ornaments on the tree first, in prominent focal areas.  Then place supporting ornaments that may be smaller and less important.  Finally, finish with filler materials such as small sprays or permanent, dried or preserved flowers.

10) Check your work!  Plug the lights back on and look at the tree from a distance.  Make any adjustments and fill in any holes.  Tape down electric cords, arrange the tree skirting and scatter packages under the tree.

www.heavenlyevents.net

www.doityourselfweddingflowerguide.com

http://flowerarranging101.tv

Easy Thanksgiving Decorations by Angie Zimmerman

In Uncategorized on November 11, 2011 at 3:49 pm

Angie Zimmerman the Flower Diva is back again, this time offering us some easy tips for decorating for Thanksgiving. Thanks Angie for all these wonderful tips and suggestions!

I know so many people who absolutely can’t wait for this time of year…they love the chill in the air, the warm orange, yellow and brown color scheme and the comfort foods associated with the season.  I have to admit, this is not my favorite time of year, but I do like decorating with the fall themes.

I like to start by buying an assortment of pumpkins…different sizes, different shapes, different colors.  I also like to buy a couple bales of hay that I stack and put on my front porch.  I cluster the pumpkins around the base of the hay bales.  I have some scarecrows on a stick, pretty large, almost life size that I bought at the craft store several years ago and I incorporate those around the porch as well.  Usually I’ll put one right through the top of the hay bales and then one on either side of the walkway to my front door.  I also always incorporate a fall themed, colorful wreath at the front door. 

 

You can also buy artificial pumpkins at the craft store that can be used year after year.  The only problem with the artificial pumpkins is they don’t weigh that much and if you want to use them outside, in an unprotected area where the wind can hit them, you may find that they blow away.  So keep that in mind when choosing whether to use the artificial variety or not.

As you come into my home, I like to decorate the dining room table with a tablescape that also screams fall.  I have a favorite garland that is fall foliages and mini pumpkins with gnarly brown wire that looks a lot like grapevines.  I will put that down the center of my table and then I can add gourds, Indian corn and flowers that I tuck here and there.

Your local craft and discount retail stores will carry garlands you can purchase and use in the same way.  You can also take your cues from nature and if you have access to trees with foliage turning fall colors, cut several branches and cluster them down the center of your table.

 

I like to use my small (4” diameter) bubble bowls to hold fresh flowers and then I place them here and there along the center of my table.  You could use artificial flowers as well, and then you don’t have to worry about changing water and cleaning bubble bowls.  Consider incorporating fall colored feathers too; pheasant feathers work very well for this time of year.

The beauty of this type of tablescape is that you don’t have to move it when you use your table for dining.  The centerpiece is low so your guests can see and talk over it, an important aspect to consider when designing centerpieces.  It also keeps the table decorative while eating.

If you were going to be doing some formal entertaining, you could take some small fall foliage and glue it to a place card and write your guest’s name on the place card.  I like to use large fall leaves for coasters to sit drinks on top of or even to put votive candles on top of…there are so many ways to bring the fall foliages into your home.  Consider tying a fall colored ribbon around your napkins and adding a small piece of foliage inside the knot.  All these things contribute to an amazing table display.  Another idea is to buy chocolates that are shaped like turkeys, leaves, acorns and use them as favors for each person sitting at the table.  Sometimes I can find suckers with a turkey, leaf or pumpkin shape and I will tuck those into the knot of the ribbon I place around my napkins.

For me, the ultimate Thanksgiving centerpiece is a cornucopia.  I have a video on my website, http://flowerarranging101.tv/ where I show you how to make one using fresh flowers and fresh gourds, mini pumpkins and seasonal squash.  Making a cornucopia is a little more complicated than the garland décor, but if you love crafts and dressing up your home, I think you will love this cornucopia.

Fall Wardrobe Makeover by Dale Steliga

In Uncategorized on October 21, 2011 at 1:39 pm

Here is Dale’s first post for us. Her ideas have inspired me to give my closet a makeover on the first rainy…snowy weekend. Be sure to check out her Web site at http://www.savvyspice.net/

Hello, I’m so excited to be a new contributor for fashion and makeup posts here on Budget Smart Girl. I’m a huge fan of this site because I love shopping, but it’s a total budget buzz kill to open my credit card statements and see I spent $200 more than I should have on clothes. Throughout the years, I’ve practiced finding the highest quality clothes and accessories for the best prices I can find. I can shop for anyone on any budget.

Before I introduce my first post, I need to ask you a personal question. Take a deep breath and answer honestly. Are you in need of a closet detox? I’m asking because I opened my closet door a few nights ago and was knee deep in a stack of heels, boots and sandals crying out for a shoe caddy.

Here’s how you know if it’s time for a little closet re-organization or a major overhaul:

1. Do you go to your closet most mornings and say to yourself “I don’t have anything to wear?”

We can fix that.

 2. Do you have clothes hanging, folded, stacked or stuffed in a drawer that you haven’t worn in over a year?

Let’s toss those, donate them or bag them up for your sister.

3. Do you have dust bunnies the size of golf balls gathered on your closet floor?

If yes, don’t worry! It’s nowhere near “Hoarders” status, but it’s time for a deep clean.

 Every season, it’s a good idea to evaluate your wardrobe and toss, donate or sell your old clothes that are out of style or unworn. Keep family heirlooms or anything so expensive you can’t bear losing. Or if you just know it’s going to be in style soon, save it.

 Here are my three fall basics any woman can use as her go –to outfit. It’s simple, chic and appropriate for almost any occasion.

 1.     Perfect Jeans.

Denim is personal and thankfully there are so many styles that are affordable and trendy now, your main goal is to make sure they’re flattering and fit “just right.” You’ll know they are your perfect jeans if you want to wear them every day. Wide leg, high-waisted, skinny jeans or the classic boot cut are all “in style” right now. A darker wash is generally better for fall and winter and my favorite dark wash stretchy skinny jeans are actually from Forever21 for less than $13. Skinnies get a bad rep and I often hear women saying, “I can’t wear those,” but it’s just not true. If it’s good quality denim and sits just right on the hips, they have a slimming effect with a flowy top. Don’t knock ‘em til you ‘rock em under a pair of your favorite fall boots with a cozy cable knit sweater.

 2.     Classic fitted blazer.

Or go with this season’s trend, a tuxedo style women’s blazer. You can choose navy, black or even a deep burgundy or ivory for fall. Blazers can be worn with a dress, skirt or and it’s chic with a simple top layered under while you’re wearing your “perfect jeans.”

 3.     A basic black pump.

I recommend closed toe for fall unless you’re wearing tights, but it doesn’t matter if it’s a 1” kitten heel or a 4” platforms. Not into heels? That’s okay too. Almost every day walking around San Francisco, you’ll find me in flats. There are so many amazing flats to spice up your everyday look. If you’re feeling more daring, go with a python pattern or a pair of leopard flats.

 I hope this was helpful and don’t worry if you tackle your closet this weekend, wardrobe withdrawals don’t last long.

 

Boost Your Coupon Savings

In Uncategorized on October 6, 2011 at 5:32 pm

 

Here is Marcia’s first blog post and it’s all about making the most of our coupon savings-

 Think you’re saving a lot of money with coupons? You may be, but just wait until you try some of my tips for finding high value coupons on products you buy every week. With a few of these suggestions, you could save much, much more.

The first step in boosting your coupon savings is to find more – especially high value coupons and those good on products you buy regularly. Everyone knows that about 90% of all coupons originate in the Sunday newspaper inserts. And if you only clip those, you can save a decent amount. But if you look beyond the inserts, for the remaining 10% of all coupons redeemed, you can find some great values.

 Here are some of the lesser-known, but very valuable sources of coupons:

 Clipping services. For a fraction of the face value of a coupon, you can pay a clipping service to find and clip specific coupons for you. Through clipping services, you can often find regional coupons that weren’t offered in your area, and you can buy several to allow you to stock up when terrific sales come along. Some of the ones I like are http://www.thecouponclippers.com/, http://www.clippityq.com/, and www.couponsthingsbydede.com.

 eBay.com. Working much like a clipping service, eBay sellers offer to clip batches of coupons via eBay. When you’re buying 10, 20, or 50 of a particular coupon, this can be quite economical. Search for the term “coupon” and the product you need on eBay’s home page.

 Craigslist.com. Similar to eBay, you can find local coupon clippers who have the coupons you’re looking for. The benefit of ordering from local clippers is that you can get the coupons in your hands faster, rather than having to wait 2-3 days for mail delivery.

Magazines. While the newspaper insert is king, magazines for women and parents may be queens, often offering small coupon inserts stitched in the center. The best magazine of all for coupons is All You, which is published by Wal-mart and has page-after-page of coupons, many you won’t find anywhere else.

Facebook. Manufacturers now offer incentives to shoppers to “Like” them on Facebook, rewarding fans with coupons for free products.

 Your phone. More stores are turning to text messaging to provide coupons on products that you can then combine with manufacturer coupons; Target, for example, is big on mobile coupons. Check with your grocery store to see if they send out e-coupons.

Manufacturer websites. There are some great coupons to be had right on the websites of consumer products manufacturers. Head to the home page of companies you buy from and look for a section offering coupons or promotions

Complain. Another way to get high value coupons is to let a manufacturer know when you were less than pleased with their product (assuming you’d try it again). Reporting a problem is almost guaranteed to yield some nice coupons for your trouble.

 Ask. Even better, ask a company whose products you like to send you some coupons. Tell them how much you like their product and indicate that you would buy more if you could have some coupons.

 Gathering more coupons makes it possible for you to have a coupon for each and every product you buy next week. The more coupons you present, the less you’ll have to spend.

 Marcia Layton Turner is an avid coupon clipper who saves thousands of dollars a year by using them. She is also the author of Extreme Couponer: Insider secrets to getting groceries for free.

http://www.amazon.com/Extreme-Couponer-Insider-Groceries-ebook/dp/B005HMO7UU/ref=sr_1_3?s=digital-text&ie=UTF8&qid=1317922088&sr=1-3

Meet Another New Contributor-Pat Nowak

In Uncategorized on September 29, 2011 at 2:55 pm

I’d like to introduce you to another new contributor to Budget Smart Girl, Pat Nowak who each month will share with us tips she’s learned along the way since becoming a widow at age 47 and adjusting to life with new financial responsibilities-  Here’s some information about her-

Before the death of her husband, Pat Nowak was the voice of the Seaway Food Town Supermarkets chain, a radio talk show co-host, fashion director, and consultant to a television station.

 When her husband was killed in a car-pedestrian accident, Nowak became a widow without any warning or training. The first few weeks were learning one lesson of survival after another. Then began the journey that led to mental health and wholeness. Well on the journey, Nowak wrote her thoughts and experiences in a daily journal and then began transforming those random thoughts into book form.

The result was publication of The ABC’s of Widowhood.

Nowak then took the next step by appearing as a financial planning resource speaker at conferences and seminars nationwide. Now Nowak’s expertise is in demand as a life coach for those who become suddenly single, whether by divorce or death, unable to face life broke and alone. “Becoming suddenly single, for whatever reason, is a very traumatic event few people are equipped to face? More than 30% of women over age 65 live in poverty. The day the husband dies a woman’s pension decreases 35%,” says Nowak.

 Nowak has appeared on NBC’s Market Watch and FOX News as an expert on ‘starting over’ and on Match.com giving dating advice to those who are suddenly single. She’s been interviewed by hundreds of radio and television talk show hosts sharing her secrets of survival including the Ohio Department of Aging monthly public television program “Finer With Age.”

 Nowak is Executive Director of theSylvania,OhioChamber of Commerce, writes a weekly newspaper column and is owner of CAS Productions, a consulting company. She is a volunteer with several NW Ohio charities, serves on the board of COMPASS (a drug addiction treatment organization), a member of the Governor of Ohio’s workforce development committee, and has chaired several gala events and fundraisers.

http://www.abcsofwidowhood.com/

Ramblings from a Budget Smart Girl

In Uncategorized on September 27, 2011 at 2:31 pm

Help a Family In Need

I know it’s not even October yet, but Thanksgiving isn’t that far away so I thought I’d share with you a Thanksgiving project sponsored by Silver Publishing. They are giving gift cards to a family in need so they can enjoy a holiday meal. When I heard about this I thought what a wonderful idea especially now so many people are unemployed and finding it hard to make ends meet. If you know of a family that could use some help, use this link to nominate them

https://spsilverpublishing.com/pages-title-page-30 

Or if you’d like to learn more about the project you can visit Silver Publishing homepage at www.spsilverpublishing.com

All You

I received my October issue of All You magazine yesterday. There’s an interesting article about loyalty cards. I have one from a local supermarket and use it to get discounts on gas. However, what caught my eye in this article was a site called http://www.savingstar.com/  You can have coupons put straight onto your card…like the idea of saving ink. And when you use the coupons you get points at this site that can used toward earning gift cards or cash. Definitely something to check out.

Planning Ahead

This last week I spend an extra few hours a day putting together meals I can freeze for future use. October is a busy month for me and I hate the idea I’ll fall back into bad habits. Like not putting together a grocery list or relying on more convenience foods etc. I’ve found one of the keys to saving money is to think and plan ahead.

I’m not sure if I’ve have time for any articles this week but I will be introducing you to two new contributors and next week kicks off with the October newsletter and some new features, including the first blog by our coupon expert Marcia.

Have a good week.

Here are some interesting articles from the week-

Budget Friendly Make-Up Finds-

http://shopping.yahoo.com/articles/yshoppingarticles/684/fall-makeup-must-haves-under-10/

Speaking of Thanksgiving, here’s an offer for a free booklet-

http://www.landolakes.com/Offers/HolidayOffers.aspx

And if you’ve got a good use for baking soda you could win some money-

http://www.armandhammer.com/Share-A-Secret.aspx?utm_source=Multibrand_September_2011&utm_medium=email&utm_content=Baking_Soda_Enter_Now_button&utm_campaign=Multibrand_September_2011

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