• Save

Loading…

Flash Player 9 (or above) is needed to view presentations.
We have detected that you do not have it on your computer. To install it, go here.

Like this presentation? Why not share!

How To Save Money On Groceries And Everyday Living

on

  • 719 views

 

Statistics

Views

Total Views
719
Views on SlideShare
717
Embed Views
2

Actions

Likes
0
Downloads
0
Comments
0

1 Embed 2

http://www.linkedin.com 2

Accessibility

Categories

Upload Details

Uploaded via as Microsoft PowerPoint

Usage Rights

© All Rights Reserved

Report content

Flagged as inappropriate Flag as inappropriate
Flag as inappropriate

Select your reason for flagging this presentation as inappropriate.

Cancel
  • Full Name Full Name Comment goes here.
    Are you sure you want to
    Your message goes here
    Processing…
Post Comment
Edit your comment

How To Save Money On Groceries And Everyday Living How To Save Money On Groceries And Everyday Living Presentation Transcript

  • How to Save Money on Groceries and Everyday Living
    www.smartdebtcures.com
  • Minimize Small Expenses
    www.smartdebtcures.com
  • Cut Corners When Possible
    Downgrade your technology:
    • Premium Channels
    • High Speed Internet
    • Smartphones
    • Use Prepaid Cell Phones
    Negotiate a lower interest rate on your credit cards.
    www.smartdebtcures.com
  • Downgrading Your Technology
    Premium Cable or Satellite Channels
    • If you trim just one premium channel, you can save $15 per month, $180 per year, $900 in five years and $1,800 in 10-years.
    • If you trim three premium channels, you can save $45 per month, $540 per year, $2,700 in five years and $5,400 over 10-years.
    www.smartdebtcures.com
  • Downgrading Your Technology
    High Speed Internet
    • Verizon offers high speed internet starting at $30/mo.
    • AT&T offers a DSL package for as little as $15/mo.
    • EarthLink offers cable internet for just $30/mo.
    By switching to AT&T from Time Warner Cable’s standard cable package of $70 per month, you’ll save $55 per month!
    www.smartdebtcures.com
  • Downgrading Your Technology
    High Speed Internet
    • Steer clear of low entry offers!
    • When you sign a contract just for the low introductory rate, you're trapped into paying exorbitant fees for the duration of your contract.
    www.smartdebtcures.com
  • Downgrading Your Technology
    Smartphones
    These are money-suckers!
    Not only are you stuck with high-priced monthly plans, but in addition to that plan, you must pay a $15 to $30 data plan fee in order to access the perks of a Smartphone.
    www.smartdebtcures.com
  • Downgrading Your Technology
    Smartphones
    Consider these alternatives:
    • An MP3 player allows you to play as many songs as you’d like.
    • To Google something, wait until you get to your computer.
    • A written planner costs less than $15 and keeps your schedule well-organized.
    www.smartdebtcures.com
  • Downgrading Your Technology
    Smartphones
    If you can sacrifice the convenience of an all-in-one device, and opt for a regular data-free plan, you can save $15 to $45 per month!
    www.smartdebtcures.com
  • Downgrading Your Technology
    Prepaid Cell Phones
    • Companies like Virgin Mobile and Boost Mobile are offering all-inclusive plans starting as low as $25 per month.
    • If you choose a prepaid Smartphone, you must still pay for a data plan.
    www.smartdebtcures.com
  • Downgrading Your Technology
    Prepaid Cell Phones
    If you currently pay the standard rate of $75 to $100 per cell phone plan…
    By downgrading to Virgin Mobile’s $25 per month plan, you can save $50 to $75 per month!
    www.smartdebtcures.com
  • Downgrading Your Technology
    Monthly Savings:
    www.smartdebtcures.com
  • We buy things we don’t need, with money we don’t have, in order to impress people we don’t like.
    ~ Dave Ramsey
    www.smartdebtcures.com
  • Snagging a Lower Interest Rate
    You may be able to lower your interest rate on your credit cards and save a bundle!
    You can easily do this with:
    • A solid payment history
    • Longstanding accounts with the creditor
    • Script
    • Haggling skills
    www.smartdebtcures.com
  • Your script can look something like this:
     
    “Hi, I’m calling because I’m being offered substantially lower interest rates through one of your competitors. The offer is very appealing. But, if you’re able to slash my interest rate, I’m willing to stay with your company. What can you do for me?”
    www.smartdebtcures.com
  • Be Prepared to Haggle
    • If you’re offered a lower interest rate without haggling, this is good news.
    • Aim higher than you need. If you’re hoping for a 12% interest rate, ask for a lower, 9.5% rate and you can negotiate up to the one you really want.
    • If your customer service representative isn’t budging, ask to speak to a supervisor. The supervisor may be primed to offer an attractive rate in order to keep you as a customer.
    www.smartdebtcures.com
  • Saving on Groceries
    www.smartdebtcures.com
  • Why Use Coupons?
    • According to Good Morning America, Kathy Spencer of Massachusetts, feeds her family of six for an average of $5 per week.
    • Jill Cataldo, of SuperCouponing.com,often scores groceries, detergents and personal care products for free.
    • You should join in on the fun!
    www.smartdebtcures.com
  • Coupons are Plentiful & Easy to Get
    $2.6 Billion
    $331 Billion
    www.smartdebtcures.com
  • Top 5 Places to Find Coupons
    • Sunday Paper
    • Coupons.com
    • Company websites
    • Social networking sites
    • Call the manufacturer
    www.smartdebtcures.com
  • Top 5 Places to Find Coupons
    Reputable blogs/websites to join are:
    • www.moneysavingmom.com
    • www.couponmom.com
    • www.coupondivas.com
    www.smartdebtcures.com
  • Maximize Your Grocery Savings
    Match coupons to circulars:
    • When you receive the Sunday paper, look through both the sales circulars and the coupon inserts and match up the best deals.
    • If there are free or extremely cheap deals, head to the grocery store as soon as possible. The best deals tend to sell out well before Wednesday.
    www.smartdebtcures.com
  • Maximize Your Grocery Savings
    For the sake of organization:
    • Fight the temptation to clip every coupon.
    • Only clip the coupons you need for your shopping trip this week.
    • Save your inserts in a folder or drawer.
    www.smartdebtcures.com
  • Instances When Your Coupon will be Worth its Weight in Gold
    • The coupon is released this week.
    • The coupon is nearing expiration.
    • If the store is aware that a coupon is nearing its expiration date, the lowest possible prices are likely to be offered.
    www.smartdebtcures.com
  • Shopping at Drugstores
    CVS:
    • Offers Extra Care Bucks (ECBs) to customers with reward cards. You earn ECBs by purchasing select items that are marked with the Extra Care tag.
    • When you earn ECBs, you can use them on your next in-store purchase to pay for any item in the store on your next visit.
    www.smartdebtcures.com
  • Shopping at Drugstores
    • CVS allows you to stack coupons.
    • Coupon stacking is the practice of using a manufacturer coupon in addition to a store coupon jointly on one item.
    • By combining your ECBs and stacking coupons, you can often walk out of the store with free products!
    At CVS, ECBs = Cash.
    www.smartdebtcures.com
  • Shopping at Drugstores
    Rite Aid:
    • This pharmacy offers Single Check Rebates (SCRs) to their customers.
    • This is a mail-in-rebate program.
    • When a product is marked with a SCR, you can receive the specified amount back in the form of a check.
    www.smartdebtcures.com
  • Shopping at Drugstores
    • Rite Aid offers many products that work out to be free after-rebate!
    • Further your savings by stacking coupons in addition to the rebate.
    • You can grab a product for free, and still receive the full value of the SCR!
    www.smartdebtcures.com
  • Shopping at Drugstores
    • Rite Aid is consumer friendly.
    • You can actually fill out your rebate online rather than sending the form through snail mail.
    www.smartdebtcures.com
  • Save a Bundle
    Between minimizing your small expenses and using coupons, you can save literally hundreds of dollars every month on everyday expenses!
    Use these tips to get you started and then expand into more money-saving strategies. Soon, you’ll wonder why you didn’t discover the joys of frugality sooner!
    www.smartdebtcures.com