Sunday, June 8, 2014

Save Time & Money On Your Laundry

The first thing you should do is understand the washer you are using.  It is high-efficiency? Does it have an agitator?  Most of this information and how to properly use your washer can be found in the sticker inside the lid or door.
If you don't have a high efficiency washer and you are thinking about replacing yours, I strongly suggest getting one.  The HE washers use significantly less detergent and softener than others.  This is an easy way to save money.  They also use less water to wash the clothes, which if you pay for water is another way to cut back on expenses.

Picture
Next you want to understand the settings on your washer.  If you are new to doing laundry yourself or never learned how to do it properly.  These are some important things to know.  First you need to separate your laundry.  The easiest way to make your clothes look dingy is by throwing everything in together.  Separate your "whites" first.  "Whites" should be any clothes you have that do not have any other colors on them.  You can include shirts that are printed as they generally will not bleed but they may fade if you use bleach.  The next pile should be "lights."  You can include clothes of really any color except black as long as they are light.  "Darks" would be your third pile and can include any clothes that are dark, all of your blacks and reds should be in this pile as they tend to bleed and need to be washed in cold water.  I make a fourth pile of towels and sheets.  If you have white towels or sheets I would separate those from the other colors.  Last pile should consist of your delicates.  I try not to throw my towels in with regular clothes as they tend to "shed" and can leave lint on your other clothes.

Picture
Definitely make sure you are not washing anything that says "Dry Clean Only."  I have made the mistake of throwing some of them in the wash and they made it out alive.  However, most of the time they will be ruined or you'll spend lots of time and money trying to bring them back to shape.  Also the label will tell you any special instructions like having to wash them on a delicate setting.

Picture
A big time saver is making sure that you button, zipper and snap all your clothes.  Main reason you should do this is that it helps keep the garment in the correct shape.  It tends to have less wrinkles after drying as well.  It also saves times when you go to fold your laundry after drying.  Another tip is that it will help your clothes get less tangled on one another and dry more evenly  so the clothes have to spend less time in the dryer.  You'll also spend less time untangling clothes before having to fold them.  The number one reason I button, zipper and snap all my clothes is because it makes it less likely for your more delicate items that have lace etc. to become ripped or stretched from snagging on a button or zipper.

Picture
Invest in a lingerie bag.  They are surprisingly inexpensive.  I got this one at Target in the dollar bins for just a dollar.  They have all different sizes.  Bras, lingerie, anything with lace or is gauzy should go in these bags.  And anything you would put in these bags should be hung to dry instead of going in the dryer.  If you must dry these items they should only be in the dryer on a low setting.  You will make you clothes last much longer if you take proper care of them.

Picture
Another time saving tip,  turn all your clothing the right way.  Never throw anything in the wash that is balled up.  Anything that is inside out should be fixed.  This will help get the clothes cleaner.  Generally speaking clothes are dirtier on the outside than the inside.  But taking the few extra minutes to fix all the clothes the right way will save you from having to wash them more than once.  Especially your kids clothes, grass stains, food debris and everything else is on the outside of the clothes.

Some more quick reminders: Always empty the pockets of pants.  One piece of paper can ruin an entire load of laundry and have to be re-washed.  Get your clothes out of the dryer as soon as they are done.  (I know I know, easier said than done.)  Hang up the dress shirts, dresses and anything that typically needs to be ironed while it's still hot.  This will save you so much time.  You may not even need to iron, but if you do it will probably cut the time in half!

Couponing - Getting Started

People often ask me about my tricks on how to save money.  I am an incredibly frugal person and not just because of necessity.  I just genuinely like getting a good deal and knowing I didn't pay too much.  Here I am going to give you my best tips on how to get started using coupons and how to make it work for you.  I am not an "Extreme Couponer."  I don't have stock piles of cat food in my bedroom closet, and entire basement filled with sports drinks.  I have found a way to use coupons and be able to save about 50 -75% on average on my grocery trips.
Picture
First things first, you need to get organized about it.  There is no point clipping a bunch of coupons and shoving them in the junk drawer or your purse and hoping you remember to use them.

Get an organizer.  In the past I have used one like the picture on the left.  But as I got more devoted to coupons I decided on a mini 3 ring binder.  It's half the size of a normal 8.5 X 11 binder.  I filled it with sheet protectors and got some stick on tab labels.  Then I thought about my typical grocery store of choice and labeled the pages by aisle categories.  Then I just put the pages in Alphabetical order.  (Ex. Baby, Baking, Breakfast, Cleaning etc.)

Picture
This is my binder on the left.  It is small enough that I can put it in my purse to take in and out of the store.  It's also happy colors and flowers which makes me feel a bit better about being the crazy coupon lady.  The binding has broken a bit so I duct taped it with some mustache duct tape we had in the house.  It works and that's really all that matters!

So after you get your binder, organizer or whatever you choose then you can begin accumulating your coupons.  My suggestion would be to get one newspaper.  You will easily offset the cost of getting a subscription to one paper.  Most newspapers will have an offer for weekend only, Sunday only or Sunday and another random day.  My local paper does Sunday/Thursday which I chose for $12 a month.  I easily save double that in coupons in a month so it's definitely worth it.  The next place to get coupons is online.  It is important to not go crazy with online coupon sites.  Unless you get free paper and toner for your printer you don't want to print all the coupons out there.  You will never offset the cost of printing pages upon pages of coupons when toner prices are so expensive.  The second is with apps on your phone or by logging into the stores website.  Many stores now will allow you to "load" coupons to your rewards or frequent shopper card.  These are AWESOME!
Here's an example of how it works, I will log into ShopRite's website with my username and password.  Under my profile I have loaded my ShopRite card member number.  I can click on their coupon section on their website and see any "e-coupons" they have.  I choose the ones I want, but most of the time I just load them all because I don't have to print anything and it doesn't cost anything. When I go to the store and check out I just hand the cashier my regular ShopRite card I have always used and they automatically take the coupon discounts.  Most places will allow you to combine ecoupons with paper coupons.  It's the only time  I know of that you can use more than one coupon on only one item.

So with all the options out there, all the websites, all the different stores how do you choose?  It's not easy and does take some effort but here are some rules that I live by with couponing.

1) Be Loyal. - Many stores, ShopRite for example reward you for the spending more in their store.  ShopRite has a baby club where if you spend a certain amount of $$ on baby items you get $10 off your next shopping trip when you reach the threshold.  They also offer different promotions during the year, "if you spend X between 3/1 - 4/30 get a free Ham or Turkey." They run lots of smaller ones if you spend $10 on certain brands get $2 on your next shopping order.  If you are keeping all or most of your transactions at one store you will most likely get the most bang for you buck with rewards specific to your purchases.  The stores than print out what coupons call "Catalina's."  I have no idea why they are called this but they are like bonuses to me.  Spend the money on the diapers you were going to buy anyway and get $10 to spend on anything you want, even more diapers.  Other stores just simply tell you on your receipt you have reached the threshold and then on your next trip you just let them know you want to use your "free holiday item" or "baby bucks" or whatever your store has.


2) Sign up for Rewards. - This should go without saying but if you shop at almost any grocery store there is probably a frequent shopper, loyalty program, whatever you want to call it.  Sure if you don't have their Super Saver Member card they will put in the "store card" for you but then you are missing out on all the rewards from what I mentioned in #1.

3) Learn to Earn more. - Some stores will double or triple coupons.  Some do not.  Most stores if they double don't double anything over $1.  Example, if you buy toilet paper for $6 and you have a coupon for $0.75 off, if a store doubles you are now getting $1.50 off.  So the same toilet paper is now $4.50. Also it is important to know if you store limits the amount of coupons you can use in one transaction.  If you store only allows 25 coupons per transaction you may need to split your order into more than one transaction.  Some stores will match competitor pricing as well.  For instance you normally shop at say Target, but you found out that ShopRite is offering pasta sauce for $0.30 cheaper and you have a coupon for that item.  Instead of driving to two stores to get the best pricing if Target price matches you can bring the flyer from ShopRite and show them the price and they will match it and you can still use your coupon.  Knowing your stores policy is very easy.  Simply ask at customer service, go to their website or check the fine print on their weekly flyer.


4) Check the Flyers - Check your weekly sales flyers and see what is on sale ahead of time.  Plan your meals around the sales items. And find out which stores have the items on sale that you need. Find out what coupons will match up from online, e-coupons or the coupons from your paper.  Then pull those coupons aside if you know you are going to by them so there is no fumbling in the store trying to find the coupons.

5) Combine for Maximum Savings - You will find that a lot of stores match their sales to what coupons are in the Sunday paper.  So the toilet paper you bought in the previous example for $6, might be on sale for $5 plus you have that coupon for $0.75 that doubles, you are now getting the toilet paper for $3.50. That's almost a 50% savings than if you waited to purchase the toilet paper when you needed it and it would be $6.



6) Stock Up - Now I'm not suggesting that you start a crazy stockpile that takes over an entire room of your house.  But I would suggest you stock up on items you know don't go bad or that you will most definitely use up.  Examples, toilet paper, tissues, laundry detergent, cereal, Pasta etc.  When these items are on sale and you have a coupon buy more than you need or buy them even if you don't need any RIGHT now.  You will need it and you will use it.

7) Do the Math - Sometimes things just aren't as good of a deal as you think.  Stores now usually give you the break down of "unit cost" on the label.  This makes it super easy for you to compare apples to apples.  Sometimes the store brand is cheaper, and sometimes its not if you have a coupon.  Volume is important!  Things that are perishable are not good to stock up on.  You don't want to put in all this effort to save money and throw money away because you thought buying 17 cans of spam was a good idea because it was on sale.  Break it down,  If you only eat Spam on rare occassions maybe once every few months how much Spam would you really eat in a year (or two I think Spam lasts longer than a year.)  Maybe only 3-4 cans.  How long is it going to take for you to eat 17 cans?  There answer is you can't because they will expire before you can eat them.  Remember if you've made one of these impulsive decisions most stores will allow you to return unopened items.  Or better yet, you can donate those items to a local food pantry!

8) Rainchecks are your friend - What is a raincheck? A raincheck is when and item is on sale in your store but it is out of stock.  You can go to the customer service desk and ask for a raincheck.  Most stores will give you a piece of paper with information about the item that they will honor the sale price when they happen to get the item back in stock.  Example,  ShopRite does a can-can sale every year.  They drastically reduce many items (not just cans) to allow people to stock up for the year.  Tide detergent pods were on sales for less than half price.  Already an awesome discount!  But I also happened to find online some coupons for $2 off their new type of pod they just released.  I happened to be able to get a couple of the coupons online and in my paper.  This is certainly and item I will use and being able to get the much better quality Tide than the store brand is awesome.  When I got to the store, they only had 1. = (  So I went to customer service and got a rain check for the few more I needed.  By the time they got some in, the sale was over but the coupon was still good.  So I got the sale price and used the coupon and got the same deal about 2 weeks later. 


9)  Spend Some Time - You don't have to spend hours upon hours.  You don't have to do a marathon shopping spree and stay in the store longer than any of the employees.  But spending maybe about an hour clipping your coupons, picking the one online you need to print, and loading e-coupons may take you an hour. Do it while you are watching TV.  My husband helps me cut up the coupons while we are watching cartoons with our son after breakfast on Sunday mornings.  You'll need to spend maybe an hour compiling your grocery list  while you plan your meals for the week based on the flyer sales & what coupons you have and combine that with what you have in your pantry.  After you start doing this a few times you will see it takes less time, you get to know your "inventory" in your pantry and house.  You will also know off the top of your head what items you need for certain recipes and whether or not you have them available.

10) Be Flexible - It is impossible to have the perfect shopping experience.  You make your meal plan for the week.  You load and clip all your coupons.  You make your list and are able to actually get to the grocery store alone with no distractions and have no time limits on when you have to leave.  The store has every item in stock you want and everything is easy to find.  You get to the check out, none of your coupons are expired and all of them scan without any issues.  It can happen, but days like that are rare.  That's why I say be flexible.  Maybe you go to the store and decide you are having chicken one night, but they don't have enough packaged and ready for you to buy for the two meals your plan.  Or the roaster chicken you were going to buy  is pretty much out of stock unless you buy the 20 pound bird that would feed an army.  Then you see they have some sliced beef on managers special that says use or freeze today.  So you grab that instead.  So that chicken and broccoli with cheese casserole just became beef stirfry with broccoli.  Also look out for stuff in the clearance section of the store and also the Reduced produce section.  Then you can adjust your meals according to the best sales you can find.  Or sometimes you don't intend to buy body lotion.  But you go into the store and happen to find a bottle of it in the clearance section because the cap is broke or something like that.  And you remember you have a coupon for that particular brand.  You don't need lotion right now, but your going to get the item for less than half price, so it's worth it to stock up on it.  You also can not be married to a brand.  You can't walk into the store and say I'm only buy Hellman's Mayo.  Maybe Heinz has a mayonnaise that is on sale and you have a coupon.  But don't go completely AWOL on your grocery list either.  Don't go into the store find out toilet paper is on sale and Ketchup and walkout with a cart full of that and nothing else.  You've officially blown your entire weeks budget and now have to dip into the savings or the NO NO credit card to buy your family dinner for the week.  Do what makes sense for you.  If you really don't have any money to stock up with week because of an unexpected bill than stick to the immediate needs and don't buy any "stock up" items.

I hope these tips help get you started and make couponing seem a bit less intimidating knowing now what works for me.  If you have questions feel free to contact me or comment!

Couponing - How I get the most bang for my buck

With the internet, couponing has never been easier.  There are tons of sites out there that can help you get started or just help you amp up your stock pile or pantry.  There is so much out there, how do you decide what to do?  Here is my breakdown of the more common ways to save money and better yet earn money!

Money Making Websites

There are literally thousands of "money making" websites on the internet.  A simple internet search will turn up page after page of them.  Some of them are scams; others rely on pyramid schemes.  Many ask for bank account, credit card information or start up fees which most people are reluctant to fork over with plenty of good reason.  I choose to avoid any sites that asks me for more information than I am comfortable giving out.  I chose to narrow down all the "money-making opportunities" to just one site.  Having more than one website to check into or do things can be counter productive.

The only site that I use to make money is one I found a few years ago and I swear by it.  I was searching for a way to make money from home to supplement my income and stumbled across this website: Inbox Dollars


Let me be clear this website is by no means going to make you enough money to make up for even a small part time job.  But I do get the equivalent of one week of groceries for free a month if I'm diligent.  I usually request a check of my earnings every few months and I cash it and take it directly to the grocery store with me so I have great judge of how much it helps.  What does the site do? It's basically all internet based, money-making opportunities combined into one.  I use it most frequently to print my coupons.  This site PAYS YOU TO COUPON!  How does it work?  You log into your account, you select the coupons you want to print and hit print.  When you redeem any coupon at a grocery store, the store sends them to the manufacturer address listed on the coupon. That's how the store receives payment. With coupons from Inbox Dollars there is a unique printed border around your coupons that allows them to know that the coupon was specifically redeemed by you.  When Inbox Dollars receives them you then are issued a credit of 10 cents for each coupon.  This process is obviously not instantaneous.  From the time you redeem it can take up to a month to see the credit on your account.  After you have reached the minimum credit amount on their site you can have a check mailed to you.  I have done it several times over the nearly 4 years I've used the website.  They don't require any bank account or credit card information (which I like) because they don't offer any direct deposit options.

Besides making money on the coupons I already would have printed anyway there are several other ways I make money on the site.  Internet searches is one.  Basically I use their search engine on their website to search for the stuff I'd already be searching.  You can also install a seachbar on your internet browser to make it easier.  I receive payment for each search.  It isn't much but they start to add up.  And why not get paid for the stuff I'm already doing everyday?  The next way is by checking my email.  Inbox Dollars send me 3-5 emails a day and I open them.  They send you to a link to a website to view.  Then you receive payment for that as well.  Those are the main easy ways I make money there.  If you have more time there are plenty plenty more ways there.


E-bates/Rebates

Rebates are another way you can save money while shopping.  Rebates are a very popular way to get you to try out a product.  Manufacturers sometimes use rebates to give you a product for FREE or next to free while making it easier to make sure that customers are not buying in bulk.  So you can look out for rebate offers in magazines, inside packaging of items you've already purchased and in with your regular sources for coupons.    There are also internet based websites like ebates.com for example that offer you a percentage of your money back for purchases you make online. Inbox dollars does that as well and that's what I use because they give you cash, many other sites give you giftcards and as I previously mentioned I like to keep the amount of different sites I use to a minimum.  The less places I have to log into the more likely I am to use them.  So here's how it works:  Let's say you want to buy some jeans.  Simply log into your inbox dollars, ebates account, or whatever rebate site you use.  Then you click on your favorite online retailer, for example Target. Inbox Dollars/Ebates will then send you to Target's regular website where you can make your purchases.  You pay normally and then within 30 days you will receive a credit in your inbox or ebates account for a percentage of your order before tax.  The percentages vary by company that you shop with and sometimes you may see promotions offering higher rebates as well.

Coupon Sites


As for strictly using coupons there are many sites that I go to.  Smartsource.com & Redplum.com will basically offer the same coupons that you would get in an insert in your newspaper plus some online only ones.  Coupons.com has probably the most coupons on one website.  The inbox dollars website mentioned above also uses the coupons from coupons.com just with a unique printed border.  Here's some guidlines I live by when printing coupons from online sites.  You can print usually more than once from the sites in most cases it is usually up to 3-5 times.  You can also print from different computers in your home an additional 3-5 times on each computer.  When you are printing my suggestion is to make sure you are using paper & toner wisely.  Paper and  toner especially can be very expensive so you want to limit your printing of coupons to the ones you are absolutely certain you will use.  Also all the sites I have mentioned above print 3 coupons per page.  So I always make sure when I am selecting the coupons I want to print I choose in multiples of three.  If I have chosen 8 coupons, usually I will just pick another coupon that I am sure I could use maybe another day or trade with someone.


E-coupons & Apps


In most cases Apps & Ecoupons can be used in conjunction with regular manufacturer coupons.  Many stores like ShopRite & Target have their own apps you can download to your mobile device or access on the internet through a computer.  Within these apps are many things and each is different, but I will focus on the important part, the e-coupons.  The apps allow you to select coupons that will automatically come off your order at check out when you use your member loyalty card.  These can be used in conjunction with your manufacturer coupons in most cases.  For example, you are going to buy some mustard.  You can clip the 50 cents off coupon from your newspaper insert, OR you printed it online.  Then you select the  50 cent off e-coupon in your app.  You check out and and the ecoupon comes off automatically. Then you can still hand them your paper coupon and they will take that off as well.  So instead of saving 50 cents you've saved $1.


There are also other apps that you can stack on top of the above mentioned scenario.  Checkout 51, Ibotta and SavingStar are some to name a few.  Most coupon or savings apps work in 1 of 2 ways.  They either ask you to submit a receipt as proof of your purchase or you enter your member loyalty card ahead of time and they view your purchases through there.  Checkout51 and Ibotta have you select the items you want to purchase, you purchase them and then submit your receipt.  Withing 24-48 hours someone reviews it and as long as you have purchased the correct items you receive a credit in your account.  Each app is different but you can either have money deposited into a paypal account, or put your earnings toward a gift card.  Some apps have "social" components where you can post or tweet about an item and you get extra money.  The second way these apps work is by you entering your member loyalty card information.  You create an account with SavingStar and register your member loyalty cards with wherever you have them.  You then browse the rebates they have available.  You select the ones you will buy and make the purchases.  Within a few days your account is credited with the amount offered.  Again different apps work differently but the premise is still the same, you receive a check, a deposit in paypal, or use the money or points in your account toward a gift card.  Again you can you all these apps at the same time you are using coupons.  Many times an item will overlap.  Meaning you will have a manufacturer coupon and it will also have an e-coupon or app rebate that coincides.


The savings really start to stack up.  However, as with anything that makes you money or in this case saves you money it takes time and effort and there is a learning curve.  Here are some important things to remember when couponing to help you save money.


Tips and Guidelines to stay on track

- Find a way to stay organized.  There are many methods and I will list some in my other posts.  But find one that works for you.  Set aside a time you will do your meal planning and couponing.
- Don't bite off more than you can chew.  I'm a huge fan of keeping things as simple as possible.  Time wasted means money wasted.  If you are using 6 different Apps, printing coupons from multiple sites, while trying to read emails and take surveys for money on two others you are going to wind up making pennies on each and it will take you forever to reach their minimum amount to receive payment.
- Plan ahead.  When I shop the sales, especially produce, meats or other quickly perishable items I plan my meals around them.  I mostly only plan my evening meals since we generally eat leftovers for lunch.  And most breakfast items are non-perishable or I always have on hand like milk, eggs etc.  Buying a bunch of food you'll eventually throw out because you bought too much doesn't help save you any money. I also try to make sure I have my coupons printed and organized.  A very precise list of what I need to buy and how many.  And last but not least I make sure I have all the ingredient at home or will be buying what I need to make all the meals for that week.  Several trips to the grocery store because I thought I had something I needed but didn't means wasted gas driving back and forth to the store.
- Think ahead.  How much storage do you have?  If you buy 5 boxes of hamburgers because you're getting an awesome deal.  Great.  Until you realize you have no room for anything else in your tiny freezer, you don't want to eat hamburgers everyday and your not excited about shoveling snow off your BBQ grill.  Things like paper towels, toilet paper, laundry products and cleaning products are great to stock up on.  You will use them and the almost never expire.
- Don't buy what you won't use.  Be cognizant of expiration dates.  How many cans of soup are you going to eat by the end of summer when they expire?  You really don't (or shouldn't on that new diet) eat 3 cartons of ice cream.  Then don't just buy it because it's cheap or free.  You know you like pasta but you may not want to eat it every night.  A good rule of thumb is to keep no more than 3-6 months worth of an item in your pantry/stockpile that your family can use.  There are exceptions to this of course but my point is to be realistic.  Maybe you want to overstock a bit because you know financially you will have some tough times ahead. Maybe you have an entire basement full of empty shelves and you could use 100 bottles of laundry detergent.

I hope this helps get you started on making and saving some money towards your groceries and other purchases.  There are many many apps and websites out there.  But this is what I have found to be useful and what I know works for me.  Happy Savings!