Sunday coupon preveiw

Plan you early morning trip before you even get your inserts! Go to Www.sundaycouponpreveiw.com . It tells you what inserts are coming out, what coupons will be in each insert, and much much more! happy couponing!

How To Save Money in Your Everyday Life

By Bronwyn Harris

Most people are constantly thinking of how to save money, but not very effectively. There are some very simple ways to save money in your everyday life; although they may seem like small steps, they definitely add up!

1. Don't eat out. Of course, every once in a while won't hurt you, but many people eat out more than they cook at home, which adds up quickly. This doesn't only apply to cooking dinner at home, but also packing lunches instead of eating out during workdays. Another subcategory that many people forget about is buying their daily coffee. Think about the latte factor that has been in the news and buy a coffee maker or an espresso machine - it is easy to calculate the immense savings that can come of preparing food and beverages at home.
2. Avoid bank fees. Never pay for checking! Most banks provide free checking if you sign up for direct deposit or keep a minimum balance in your account. Make sure that you don't pay overdraft fees, either by balancing your checkbook carefully or linking a credit card to your account. In addition, make sure you use your own bank's ATMs so that you don't get charged ATM fees.
3. Cut down on your phone lines. If you can get away with just using a cell phone, do so because it will save money! You definitely don't need to pay for long distance on your landline nowadays; use a service like Skype or your cell phone instead!
4. Use the library. New books are expensive, especially when they are hardcover. Getting a library membership can save quite a bit of money! If you can't find a book in the library, try buying it used on Half or eBay.
5. Avoid buying water. Did you know that tap water in most parts of the United States actually has to meet higher standards than bottled water? Save your money and fill up a thermos or your own bottle.
6. Don't buy new cars. The best deal is to buy used cars with low mileage. New cars depreciate quickly and leasing a car is the worst idea of all! Try to save money by making your car last as long as possible by performing regular maintenance on it, and bike or walk when you are able! This will help your car last and save you money on gas!
7. Plan your grocery shopping. Everyone knows the rule about not shopping while hungry. However, impulse buys can happen even if you are not hungry. Make a list - make it carefully - and stick to that list! This will definitely help you save money.
8. Consolidate your debt. Even if you need to see a credit counselor, try to consolidate all of your debt at a low interest rate. Get on a payment plan and stick to it so that you are not wasting your money on interest. Avoid incurring any new debt if possible.
9. Pay all bills on time. Paying late fees for credit cards and other bills is just like throwing your money away. These late fees can be very expensive, so don't pay them! Pay your bills on time, using an online bill pay service if needed.
10. Comparison shop. If you are in the market for electronics, appliances, or any major purchase, shop around. It is easy to check pricing online, but you can also go to physical stores in order to ask questions and see if the prices are negotiable. Many items can be found cheaper online.

Trying to save money in your everyday life does take some thought and effort. However, you will see the savings add up quickly if you are diligent about these money-saving tips!

Whats your best way to save money?

We want to know some of you best ways to save money! Share your success stories on easy ways to save money at home, at work, or shopping!

Classes

So I will soon be doing monthly classes at the Gig Harbor Boys&Girls club and I am very excited about this. Should be starting roughly in 3-4 weeks. I am also available for parties,as well as 1-on-1's. For bookings contact me at TripCconsulting@yahoo.com
Also am doing very well now that all my slacking on my clipping is caught up. Hope you all are doing well. Let me know if there is anything you need advice for on saving money in your everyday. I always need new topics! Just leave a comment below!
Thanks always!
Caira

Ways to make money if cutting coupons isnt enough

How to Make Money Fast

Edited byPhillip Steyn and 340 others

Article

Edit Discuss History

Need a little extra cash in a hurry? Follow these steps and you're bound to have a fuller pocket by the end of the week. It may not be much, and it may not be reliable, but your options are limited if you're short on time. Later, you can read up on long-term ways to make money, reducing expenses, saving, and investing. Otherwise, hurry up and follow these steps so you can make money ASAP!

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Steps

1.  
   

   Consider day labor.
   Consider day labor. There are employment agencies that specialize in this type of arrangement, and you can get paid at the end of the workday. The jobs you find through an agency can vary, but are usually in construction, factories, offices, and manufacturing. An alternative to finding day labor is to go where other day laborers meet (usually street corners or parking lots) and wait for employers (building contractors, landscapers, home owners and small business owners). If you go the non-agency route, you might get paid in cash. You can also check your local newspaper or internet classifieds to find quick labor gigs, like painting, mowing, or moving work. When considering a day labor opportunity, keep in mind that less formal arrangements could result in you not getting paid or worse, you getting injured without any kind of compensation.
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2.  
   

   Sell something.
   Sell something. Dig out that old guitar you never play, those CDs you don't listen to anymore, or your antique toy collection. Go to the pawnshop, put an ad on local internet classifieds, or hold a yard sale in front of your house or on a busy street corner (just display the item with a big sign announcing the ridiculously low price). Price items at half of what somebody would be able to buy them for anywhere else, and you may be able to sell them within an hour or two. You can also sell items online at web sites like eBay, Amazon and Craig`s list.Or sell something you made.
3.  
   

   Become a street performer.
   Become a street performer. If you can dance, play music, or tell jokes, you can probably get some cash by performing in public. But don't do this unless you are actually good at it. Put together a good act and find a place to perform. Give people a dose of live entertainment, and hopefully they'll reward you with tips.
4.  
   

   Panhandle.
   Panhandle. A panhandler is a person who depends on the spontaneous charity of strangers for their survival. If you really need the cash, you might swallow your pride and decide to ask for help. Make a sign, find a good location, ask politely for money, and say thank you. Cyberbegging is becoming increasingly popular, and there have been some amazing success stories, but these are the exception rather than the rule. While there are some sites on which you can beg just by putting up a brief ad, if you're looking to make any substantial money you'll probably have to build your own site and invest the time and money into it to make it successful.
5.  
   

   Donate" plasma.
   "Donate" plasma. Plasma is a component of blood, and the process is similar to donating blood. You're not permitted to actually sell your plasma, but you can be compensated for your time spent donating (and essentially, it's like selling your plasma). Your blood is drawn, the plasma is separated, and the red blood cells are returned to your body. You can make US$20-30 per visit and give plasma twice a week, but you must weigh at least 110 pounds, be between the ages of 18 and 59, and be in good health.^[1] Many college students do this to make extra cash.^[2] If you haven't been to the doctor in a while, this may be a good way to get a free health checkup.^[3]
6.  
   

   One person's trash is another's gold mine.
   Recycle. Broke because you bought too much soda? Turn the old cans into cash by bringing them in to be recycled. If you don't have your own cans, go looking for them in trash cans or along busy roads, especially rural roads. Call up several recyclers to compare prices. If you live in a state with a bottle or can deposit system, you may be able to get 5 or 10 US cents per container. Other scrap metals are also worth something, so if you've got a big pile of scrap in your backyard or you know of an illegal dumpsite, you can pick it up in your truck and anywhere from 1 or 2 cents per pound for scrap steel to considerably more for metals such as copper or aluminum.^[4]
7.  
   

   Open a lemonade stand.
   Open a lemonade stand. Especially if you're a kid, a lemonade stand or baked goods stand can bring in good money in one day. If the lemonade isn't selling, or you want to diversify, sell cookies and brownies as well. The important thing here is to find a good location, like the main entrance to an apartment building, outside a shopping center, on a busy corner near your house, or outside one of your parents’ workplaces (if you're a kid; otherwise you might get in trouble).
8.  
   

   Enter sweepstakes.
   Enter sweepstakes. By choosing sweepstakes carefully, you can increase your likelihood of hitting the jackpot (or at least getting a few useful freebies that you can sell, as mentioned above). Search the internet-- there are even internet databases, some free and some by subscription only, that can clue you in to hundreds or thousands of sweepstakes. Sweepstakes with smaller prizes can be great because you generally have a more realistic chance of winning. Don't, however, waste your time entering a sweepstakes for a prize you don't want and can't easily sell for a good profit. Enter as many times as possible. The more times you enter, the better your odds. It's as simple as that. Before you send in a million entries, however, make sure you know how many entries the rules allow you.
9.  
   

   Become a moving advertisement.
   Become a moving advertisement. Creative marketing companies might be willing to pay you to get their name out there. Some interesting strategies that people have gotten paid for:
   
   
   • Turning their car into a moving advertisement; there are companies with bumper sticker programs as well.
   • Wearing t-shirts, clothes, costumes that advertise a business.
   • Temporary tattoos on the forehead, a pregnant belly, and other parts of the body.^[5][6]
10.  
    Work online. One option is Amazon Mechanical Turk [1]. Essentially, it farms out mental piecework, but it pays very little.
     

Warnings

• Make sure that whatever you're doing does not violate any local laws or regulations.
• If going the day laborer route, keep in mind that there is animus against these types of workers, i.e. illegal aliens.
• If you are going to sell something, make sure that the price isn't too high or else no one will buy it. Also, make sure that it isn't too low, or else you won't be able to make a lot of money (an exception to this is if you are seriously desperate). For example, a cup of lemonade would be too expensive at $2.00, but if you slash that price into quarters (about $1.00), it would be reasonable.

Getting back into the groove of things

So during the holidays we survived off of our stockpile so we could provide a wonderful Christmas to our daughter.And it turned out wonderfully. Couponing really did save Christmas this year, but with all the working, family visits, and shopping we kind of (ok COMPLETELY) fell of of our clipping. Am happy to say though that we are caught back up, binder is cleaned out and oprganized and I had a wonderful shopping trip. Nothing amazing, but I had a wonderful time as my shopping time is my time and I was definately in need of some of that. Hope you all had a wonderful holiday. My resolution has been to stay away from carbs. 5 days in and doin fine. What was your resolution this year?

10 Ways to Cut Your Monthly Budget

Save money painlessly by negotiating discounts for monthly household expenses.

By Laureen Miles Brunelli, About.com Guide

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OK, so you've already cut your monthly budget in an effort to build your savings. Daily lattes are gone, dinners out are rare, and perhaps you're saving money by working at home. What else can you do to cut your monthly household expenses? Cutting your monthly budget again doesn't mean trimming necessities; it means saving money on them. That might include trimming grocery costs and comparison shopping for items likes clothes and household goods.
But when you save money on these purchases, each discount only happens once. To really maximize your savings, cut your recurring expenses, and let the savings add up.

Review Your Monthly Budget Expenses

We tend to think that the costs of goods and services only goes up, but, in fact, they sometimes goes down. Competition and new technology often bring down prices for services like cable, telephone and Internet--giving us an opportunity to cut monthly budget expenses painlessly. So consolidating your business at one company or signing up for bundled services also might mean a discount.

But few companies advertise to existing customers that they have lowered their prices. You have to review these monthly household expenses periodically to be sure you are getting the best deal.

Here's a list of 10 places to cut your monthly budget:

1. Insurance

Compare prices for auto, home, health, business and life insurance. Consolidating at one insurance company could lower your insurance costs. That might mean you'll need to take your business elsewhere to save money. But before you do, be sure you're getting all the discounts you deserve at your current company.

Consider raising your deductible for lower rates. Ask your agent what other discounts you might qualify for. Often working from home could mean a discount on auto insurance.

2. Financial Fees

Are you still paying a monthly fee even though your bank now offers free checking? Particularly if you have direct deposit, most banks offer some type of free checking. I found I was paying $8 month for only a few services (like free certified checks) that weren't available on the bank's free checking program.

Do you incur ATM fees because your bank's machines are not convenient? It might be as simple as reviewing your current bank's options or you might consider migrating your account to an Internet bank, especially if earning more interest is important to you.

3. Cable and Satellite Television

Competition in this industry means that new packages are available that could save you money. Television and phone service providers are now bundling together their services, so consolidating your phone and TV services at one company may save money.

New customers, whether bundling services or not, usually get the best deals, so it may be necessary to switch providers. But sometimes threatening to switch will net you a discount. Also, if you're really serious about saving money, consider downgrading your package by cutting out pay cable channels.

4. Cell Phone

Cell phone companies love to offer free phones to induce you to sign up for another two-year contract. Before you renew your contract ask yourself a few questions:

• Do you really need a new phone and what is the hidden cost up sticking with your plan to get it? (I got my cell phone from Ebay for $30 rather than take the free one and the two-year contract.)
• Are you using all the minutes allotted?
• Are you paying for Internet and texting but not using it enough to justify the cost? Or are you using it so much that another plan might be a better deal?
• Would a cheaper plan or a prepaid cell phone serve you just as well?

5. Telephone

Many people are getting rid of their landlines entirely. However, if you work out of your home, this may not be a feasible option. But if you have a separate fax line, you might consider discontinuing it. With a scanner, you can email documents as PDFs instead of faxing.

Like cable and Internet providers, landline phone service packages keep getting cheaper as more competition comes on the market. Consider VOIP or cable phone services. If you do stay with your traditional telephone company, be sure you are getting the cheapest long distance service and not paying for services you don't need.

6. Internet Provider

Shopping around for a better package of telephone services might also save you on your Internet access if you use DSL. But there are many other options for Internet services including cable, satellite and a whole host of wireless Internet options.

The Internet is a telecommuter's lifeline, so do your research first. Be sure if you change service providers the new one will offer the services and reliability your business needs.

7. Refinance Your Home

Refinancing your home can cut your monthly budget expenses the most significantly, sometimes saving you hundreds of dollars per month.

But refinancing involves many upfront costs (interest points, taxes, fees, etc.), so it may take several months (or even years) for you to actually realize these savings. And if you're not planning to stay in the house for long, you could actually lose money on refinancing. Carefully consider the pros and cons of refinancing your home before taking this cost-cutting step.

8. Credit Card Rewards Points

If you have a credit card with rewards points, use them. But use them wisely. Keep in mind that credit card companies offer points to induce you spend more. So don't pay more (by racking up interest or fees) in order to get rewards points. To accumulate points faster, concentrate your spending on the one card that offers the reward you will use (for me that's the one with Home Depot gift cards) rather than spreading your spending among several cards.

Saving rewards points for your dream vacation or another splurge runs the risk of the points expiring or never being used. Using points on a regular basis helps you cut your monthly expenses. Consider using rewards systems that pay cash or offer gift cards that you will actually use.

9. Utility Bills

Like phone and cable industries, your utility company likely has more competition than it once did. Often you can change gas or electric suppliers for a better price on your energy needs, while still remaining a customer of the same utility company for billing and delivery purposes. However, these other suppliers don't always have a better price so be sure to do some comparison shopping.

But the old-fashioned way to save on utility costs is simply to conserve electricity or waste less water.

10. Credit Card Interest Expense

Monthly interest can be a huge expense for those with a large debt. Making only a minimum payment means the monthly interest eats up most of your payment. Reducing interest can mean more money for other expenses or paying off debt faster.

One way to lower your interest is to simply ask for a lower interest rate. Companies will often oblige to keep your business. If they don't, consider a balance transfer to another card with a better rate. Read the fine print, though, balance transfers sometimes offer rates that go up after a period of time and usually involve fees.

Avoid interest in the first place by saving for holidays and other known expenses in advance.

12 steps to saving money this new year

Saving money is one of those tasks that's so much easier said than done. There's more to it than spending less money (although that part alone can be challenging). How much money will you save, where will you put it, and how can you make sure it stays there? Here's how to set realistic goals, keep your spending in check, and get the most for your money.

Steps

1.  
   Kill your debt first. Simply calculating how much you spend each month on your debts will illustrate that eliminating debt is the fastest way to free up money. Once the money is freed from debt payment, it can easily be re-purposed to savings. Plus, the sooner you pay off debt, the less interest you'll pay, and that money can be saved instead.
   
   If you choose to start saving before you completely pay off your debt, however, look into consolidating your debts so that you're not paying as much interest.
   • The only money-saving that should take precedence over getting out of debt is to create an emergency fund (setting aside enough money so that if you lose your income, you can survive for 3-6 months).
2.  
   

   Set savings goals.
   Set savings goals. For short-term goals, this is easy. If you want to buy a video game, find out how much it costs; if you want to buy a house, determine how much of a down payment you’ll need. For long-term goals, such as retirement, you’ll need to do a lot more planning (figuring out how much money you’ll need to live comfortably for 20 or 30 years after you stop working), and you’ll also need to figure out how investments will help you achieve your goals.
   
   
3.  
   Establish a time-frame. For example: "I want to be able to buy a house two years from today." Set a particular date for accomplishing shorter-term goals, and make sure the goal is attainable within that time period. If it’s not attainable, you’ll just get discouraged.
4.  
   Figure out how much you’ll have to save per week, per month, or per paycheck to attain each of your savings goals. Take each thing you want to save for and figure out how much you need to start saving now. For most savings goals, it’s best to save the same amount each period. For example, if you want to put a $20,000 down payment on a home in 36 months (three years), you’ll need to save about $550 per month every month. But if your paychecks amount to $1000, it might not be a realistic goal, so adjust your time-frame until you come up with an approachable amount.
5.  
   
   Keep a record of your expenses. What you save falls between two activities and their difference: how much you make and how much you spend. Since you have more control over how much you spend, it's wise to take a critical look at your expenses. Write down everything you spend your money on for a couple weeks or a month. Be as detailed as possible, and try not to leave out small purchases. Assign each purchase or expenditure a category such as: Rent, Car insurance, Car payments, Phone Bill, Cable Bill, Utilities, Gas, Food, Entertainment, etc.
   • Keep a small notebook with you at all times. Get in the habit of recording every expense and saving the receipts.
   • Sit down once a week with your small notebook and receipts. Record your expenses in a larger notebook or a spreadsheet program.
   • There are also many apps you can download to your phone that will help you keep track of your expenses.
6. Trim your expenses. Take a good, hard look at your spending records after a month or two have passed. You’ll probably be surprised when you look back at your record of expenses: $30 on ice cream, $10 on parking tickets? You’ll likely see some obvious cuts you can make. Depending on how much you need to save, however, you may need to make some difficult decisions. Think about your priorities, and make cuts you can live with. Calculate how much those cuts will save you per year, and you'll be much more motivated to pinch pennies.
   
7. • Can you move to a less expensive apartment or house? Can you refinance your mortgage?
   • Can you save money on gas, or give up a car altogether? If your family has multiple cars, can you bring it down to one?
   • Can you get a better price on insurance? Call around and make sure you are getting the best price you can. Consider taking a higher deductible, too.
   • Shop the discount racks at clothing stores. Items on clearance are marked down considerably and could save you 50% of the price.
   • Can you drop a land line and either only use your cell phone or save money by calling over the internet for free with services such as Skype?
   • Can you live without cable or satellite TV?
   • Can you cut down on your utility bills?
   • Can you restrict eating out? Buy food in bulk? Start using coupons? Cook more at home? You might be able to save a lot of money when grocery shopping.
8.  
   Reassess your savings goals. Subtract your expenses (the ones you can't live without) from your take-home income (i.e. after taxes have been taken out). What is the difference? And does it match up with your savings goals? Let's say you've decided you can definitely get by on $150 per month, and your paychecks amount to $230 per month. That leaves you with $80 to save. If there’s absolutely no way you can fit all your savings goals into your budget, take a look at what you’re saving for and cut the less important things or adjust the time-frame. Maybe you need to put off buying a new car for another year, or maybe you don’t really need a big-screen TV that badly.
9.  
   Make a budget. Once you’ve managed to balance your earnings with your savings goals and spending, write down a budget so you’ll know each month or each paycheck how much you can spend on any given thing or category of things. This is especially important for expenses which tend to fluctuate, or which you know you're going to have a particularly hard time restricting. (E.g. "I will only spend $30 a month on movies/chocolate/coffee/etc.")
10.  
    Stop using credit cards. Pay for everything with cash or money orders. Don't even use checks. It's easier to overspend when you're pulling from a bank or credit account because you don't know exactly how much is in there. If you have cash, you can see your supply running low. You can even bundle up the predetermined amount of cash allocated for each expense with a label or keep separate jars for each expense (e.g. a bundle/jar for coffee, another for gas, another for miscellaneous). As you pull money from a jar for that particular expense, you'll see how much remains and you'll also be reminded of your limit.
    
    
    • 

      If you need to have credit cards but you don't want the temptation of having them available to use day-to-day, restrict that section of your wallet with a note or picture reminding you of your savings goals.
      If you need to have credit cards but you don't want the temptation of having them available to use day-to-day, restrict that section of your wallet with a note or picture reminding you of your savings goals.
    • Credit cards are not inherently evil; it's all about your self control. If you use them responsibly (i.e. completely pay them off every month), you can benefit from them. But the reason most credit card companies make money, however, is because people end up spending money that they don't have. Unless you are one of the people who can religiously pay off the balance in full every month, you're better off foregoing the promotions that credit card companies use to lure you in (cash back, introductory APR, airline miles, and so on).
11.  
    Open an interest-bearing savings account. It’s a lot easier to keep track of your savings if you have them separate from your spending money. You can also usually get better interest on savings accounts than on checking accounts (if you get interest on your checking account at all). Consider higher-interest options such as CDs or money-market accounts for longer savings goals.
12.  
    Pay yourself first. Savings should be your priority, so don’t just say that you’ll save whatever is left over at the end of the month. Deposit savings into an account (or your piggy-bank) as soon as you get paid. An easy, effective way to start saving is to simply deposit 10% of every check in a savings account. If you get a check or sum of cash, say 710.68, move the decimal point one place to the left and deposit that amount: 71.07. This works well and requires little thought; over several years, you've a tidy sum in savings.
    
• You can set up an automatic transfer from your checking account to your savings account.
• Many employers allow you to deduct savings from your paycheck. The money is directly deposited in your savings account so you never even see it on your paycheck.
• You can also have investments for retirement taken directly out of your pay, and the taxes may be deferred with this option. Your employer may offer a 401k matching program for retirement as well making it even more worthwhile to save.

Don't get discouraged and don't give up. You may not think you can become wealthy but to become a millionaire is possible if you set up a aggressive savings plan and stick to it. You may be surprised how much money you can put away for something far more enjoyable than what you could buy with short term savings. Good things often take time and the longer you save the more interest you will be making on your savings as well!