Frugal tips


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Come learn how to save some more on your grocery bill, at the mall or on the internet. Learn how to save time by being better organized.

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Frugal tips

  1. 1. Welcome!! Frugal Tips: Ladies Night Out!
  2. 2. The American Frugal Housewife by Lydia Maria Francis Child (1802-1888) (Free on Kindle)
  3. 4. Lots of Frugal Tips in the Room! <ul><li>Sharing from Lori, Casey, Jeanne, and others. </li></ul><ul><li>Please help yourself to snacks!! </li></ul>
  4. 5. My Family
  5. 6. Setting Up A Simple Budget <ul><li> </li></ul><ul><li>See Crown Financial for an online budget calculator </li></ul><ul><li> </li></ul><ul><li>Insert your income, tithe/giving & taxes. Calculator will figure out suggested percentages. You can adjust for your needs. </li></ul>
  6. 7. Crown
  7. 8. Stick To Your Budget! <ul><li>Envelope System </li></ul><ul><li>My paper system – only one half of a month </li></ul><ul><li>I record all expenses in groceries, clothing and entertainment for one half of the month. This is a more manageable for me & less discouraging! </li></ul>
  8. 9. Credit Cards <ul><li>Either use all cash OR pay them in full each month! </li></ul>
  9. 10. Shopping At the Grocery Store <ul><li>Shopping at the Grocery Store </li></ul><ul><li>Find out what is on sale! Buy on sale and with a coupon when possible. Stock up! </li></ul>
  10. 11. <ul><li>Buy one get one free: You only need to buy one unless ad states you must buy two! </li></ul><ul><li>If item is 2 for $5, you only need to buy one unless ad states otherwise! </li></ul><ul><li>Ask if you are unsure! </li></ul><ul><li>If store is out of item on sale: get a rain check! (May want to ask for more than what you anticipated buying.) Check expiration date on rain check. </li></ul>
  11. 12. Check Package Size!! <ul><li>Package sizes are getting smaller! </li></ul><ul><li>Half gallon of ice cream is not a half gallon of ice cream! </li></ul>
  12. 13. Brand Loyal <ul><li>Consider trying a new brand </li></ul><ul><li>Some things you may be brand loyal to, others you may be able to try a different brand! </li></ul>
  13. 14. Grocery Matchups <ul><li>Find matchups for coupons and sale items. </li></ul><ul><li>Many blogs will do matchups. </li></ul>
  14. 15. <ul><li>Most stores are at </li></ul><ul><li>National Grocery & Drug Store Deals: CVS , 
 Dollar General , Family Dollar , Kmart , 
 Military Stores , 
 Rite Aid , 
 Target , 
 Walgreens , 
 Wal-Mart </li></ul><ul><li>Retail Store Deals: Old Navy , 
 Target </li></ul><ul><li>Stores In Pennsylvania: Acme, Food Lion, Genuardi’s, Giant, Giant Eagle, Pathmark, Price Chopper, Shaw’s, ShopRite, Stop & Shop, Super Fresh, Wegmans </li></ul>
  15. 16. Local Stores/Great Blogs <ul><li>Others: Weis, Giant, and Redner’s are often matched up at </li></ul><ul><li>Family Owned Markets (Musser’s, John Herr’s, Darrenkamp’s, Oregon Dairy, etc.) are sometimes matched up at </li></ul>
  16. 17. For the Mommas <ul><li>Shannon (Millersville University grad. Lives in Reading/Philadelphia area) </li></ul><ul><li>Great Blog to start with </li></ul><ul><li> </li></ul>
  17. 18. Frugal Coupon Living <ul><li>From Texas </li></ul><ul><li>Featured on Dr. Phil </li></ul>
  18. 19. Extreme Couponing or Krazy Couponing!
  19. 20. Example of Coupon Matchups <ul><li>Here are your weekly Weis Coupon Matchups and Deals for the week of 3/6/2011. </li></ul><ul><li>To view the  Weis Coupon Policy , visit  here. To use the shopping list, just simply click on the item you would like to add. It will appear in the sidebar. Make sure you do not leave the page – or your list will be gone. </li></ul><ul><li>*If you are reading this via email or reader you will need to visit the   blog here to print your shopping list * </li></ul><ul><li>Before you purchase cereal this week, check out the great deal starting 3/13 here. </li></ul><ul><li>Bagel Bites - $1.33 </li></ul><ul><li>MUST BUY 3 </li></ul><ul><li>Use $1/1 Bagel Bites Snack, exp. 4-30-11 ( Woman ’ s Day , Oct) </li></ul><ul><li>or use $1/1 Bagel Bites Snack, exp. 4-30-11 ( Parents Magazine , Sept) </li></ul><ul><li>or use $1/1 Bagel Bites Snack, exp. 4-30 (Parenting Early Years, Sept) </li></ul><ul><li>or use $1/1 Bagel Bites Snacks, exp. 4-30-11 (Redbook, Sept) </li></ul><ul><li>$.33 each after coupon WYB 3 and use 3 coupons </li></ul>
  20. 21. <ul><li>Hormel Black Label Bacon </li></ul><ul><li>BOGO </li></ul><ul><li>Cantaloupe </li></ul><ul><li>BOGO </li></ul><ul><li>Cracker Barrel Cheese - $1.99 </li></ul><ul><li>MUST BUY 4 - Mix n' Match with Nabisco Crackers </li></ul><ul><li>Nabisco Crackers - $1.99 </li></ul><ul><li>MUST BUY 4 - Mix n' Match with Nabisco Crackers </li></ul><ul><li>use  $1/2 Ritz Spring Crackers printable   </li></ul><ul><li>or use $1/2 Nabisco Crackers, exp. 3-31-11 (SS 01/30/11) </li></ul><ul><li>$1.49 after coupon  </li></ul><ul><li>Dannon Yogurt - $0.50 </li></ul><ul><li>Use $0.40/6 Dannon Light & Fit Yogurt, exp. 3-30-11 (SS 01/30/11) </li></ul><ul><li>$.37 each after coupon </li></ul><ul><li>Stouffer's or Hot Pockets - $2.00 </li></ul><ul><li>NO LIMIT </li></ul><ul><li>Use $1/2 Stouffers Entrees, exp. 3-31-11 (RP 02/06/11) </li></ul><ul><li>$1.50 each after coupon </li></ul><ul><li>Wisk Laundry Detergent 50 or 60oz. - $3.99 </li></ul><ul><li>Use $2/1 Wisk Laundry Detergent, exp. 4-17-11 (RP 03/06/11) </li></ul><ul><li>$1.99 each after coupon </li></ul>
  21. 22. <ul><li>General Mills Cereal - $2.50 </li></ul><ul><li>Select Varieties </li></ul><ul><li>Use $1/2 Boo Berry, Cinnamon Toast Crunch or Cocoa Puffs printable </li></ul><ul><li>or use $0.55/1 Cinnamon Toast Crunch printable </li></ul><ul><li>or use $0.55/1 Cinnamon Toast Crunch cereal printable </li></ul><ul><li>or use $1/2 Select General Mills Cereals printable </li></ul><ul><li>or use $0.55/1 Cinnamon Toast Crunch Cereal printable </li></ul><ul><li>or use  $0.75/1 Select Cheerios Cereals printable </li></ul><ul><li>or use $1/2 Select General Mills Cereals, exp. 3-12-11 (SS 01/30/11) </li></ul><ul><li>As low as $1.50 each after coupon </li></ul><ul><li>Egg-Land's Best Cage Free Large Eggs - $2.50 </li></ul><ul><li>Use $0.50/1 Select Eggland’s Best Eggs, exp. 6-30-11 (SS 01/30/11) </li></ul><ul><li>or use $0.35/1 Eggland’s Best Cage Free/Organic Eggs, exp. 6-30 (SS 1/30/11) </li></ul><ul><li>or use $0.35/1 Eggland’s Best Eggs, exp. 3-31-11 (SS 10/10/10) </li></ul><ul><li>or use $0.35/1 Eggland’s Best Eggs, exp. 3-31-11 (SS 10/31/10) </li></ul><ul><li>or use $0.50/1 Eggland’s Best Cage Free/Organic Eggs (SS 10/31/10) </li></ul><ul><li>As low as $1.50 each after coupon </li></ul>
  22. 23. Grocery Bags <ul><li>Resuable Grocery Bags: 10 bags, 5 cents each bag, 50 cents per week = $26 per year! </li></ul><ul><li>Musser’s Market </li></ul><ul><li>Target </li></ul><ul><li>Forrys - only a Forrys bag </li></ul><ul><li>(Weis & Giant do not participate) </li></ul>
  23. 24. Getting Coupons <ul><li>Sunday Paper: Don’t get one? Ask a friend! </li></ul><ul><li>Online: Keep in mind cost of printing. Sometimes online coupons expire quickly. </li></ul><ul><li>Hit back button to print coupon twice. </li></ul><ul><li>Call Manufacturer. Turkey Hill will give you a packet of several coupons every 30 days. Call 1-800-MY-DAIRY. Can get free coupons! </li></ul><ul><li>Facebook (Mussers will occasionally have $10 off $75 purchase) </li></ul><ul><li>Sign up online, but have “junk” email account. </li></ul>
  24. 25. Getting More Coupons <ul><li>All You magazine (Don’t pay full price to subscribe) </li></ul><ul><li>Other magazines (Parenting, etc.) </li></ul>
  25. 26. Coupon Policies Vary! <ul><li>Giant: will double a coupon that is $0.50 or less. </li></ul><ul><li>Mussers: will double any coupon up to $1.00. (Coupons printed from internet can only be $2 or less) </li></ul><ul><li>Weis: will double any coupon up to $1.00 </li></ul><ul><li>All: If coupon states: Do not double = will not double. </li></ul>
  26. 27. Play Nice & Be Kind <ul><li>Be kind when using coupons. Cashiers will appreciate it. </li></ul><ul><li>If you are doing two transactions, maybe do one, let others behind you check out then get back in line. </li></ul><ul><li>I had someone “share” with me all the ways to “cheat” with coupons! :( </li></ul>
  27. 28. Gas Rewards Programs <ul><li>Giant ($100 spent = $0.10 off per gallon next time you purchase gas) </li></ul><ul><li>Weis: Earn Rewards
 Shop for groceries and earn $0.10 in Gas Rewards Points for every $50.00 you spend in a single day at your local Weis Markets using your new Preferred Shoppers Club Card during the promotional period (you are responsible for keeping track of when the program expires).  Please note: you do not earn points during the redemption period. (See any Customer Service Representative at the Customer Service Desk in your local Weis to sign up for a Club Card, or simply apply online).  10 Gas Rewards Points equals $0.10 off per gallon. </li></ul>
  28. 29. Organizing Coupons <ul><li>Ways to organize coupons: </li></ul><ul><li>Binder </li></ul><ul><li>File Folder </li></ul><ul><li>Many other methods </li></ul>
  29. 30. Keep Track of Best Prices <ul><li>Some I know, others I’ve had to write down. </li></ul><ul><li>Macaroni & Cheese: $0.50 a box (Generic) </li></ul><ul><li>Ritz Crackers: $2.50 </li></ul><ul><li>Chips: 2 for $4 ($2/bag – remember you only have to buy one unless it states you must buy two!) </li></ul><ul><li>American Cheese slices: $1.80 per pound (freeze) </li></ul><ul><li>Cereal Sale and offer free milk </li></ul>
  30. 31. BJ’s & Warehouse Clubs <ul><li>Use two coupons if possible </li></ul><ul><li>BJ’s coupon and manufacturer coupon. </li></ul><ul><li>Can use more than one manufacturer coupon if item has multiple items with bar codes. </li></ul><ul><li>Costco only accepts Costco coupons. (Also have to use cash or American Express) </li></ul>
  31. 32. When to use/not use a coupon <ul><li>When you don’t need an item or won’t use it. </li></ul><ul><li>What if you can get an item you don’t need for free: donate it! </li></ul><ul><li>How do you know when to clip a coupon: If you can get an item for free! </li></ul>
  32. 33. Where to donate an item <ul><li>Church Care Closet (Needs: shampoo, conditioner, toilet paper, toothpaste etc. Most of our ongoing donations are food items.  We receive very few toiletries during the year, so any donation would be appreciated.) </li></ul><ul><li>School District </li></ul><ul><li>Any Mission organization </li></ul>
  33. 34. Shopping at the Mall <ul><li>Try not to go somewhere without checking for a coupon first! </li></ul><ul><li>Google: name of store + coupon code </li></ul><ul><li> </li></ul>
  34. 35. Some Stores that Often Have Coupons <ul><li>Children’s Place </li></ul><ul><li>AC Moore/Michael’s </li></ul><ul><li>GAP or Old Navy </li></ul><ul><li>Kohls </li></ul><ul><li>JC Penney </li></ul>
  35. 36. Use Your Mobile Phone <ul><li>Some places will scan coupon code from your phone </li></ul><ul><li>Coupon Sherpa App </li></ul>
  36. 40. Sears <ul><li>The KidVantage Club offers the Wear Out Warranty. When your baby grows up and your kids clothing or kids shoes wear out before they are out grown, Sears will replace them for free. </li></ul><ul><li>This program is only offered through our retail stores. If the clothing wears out before your child outgrows them they will replace them for free. </li></ul>
  37. 41. L.L. Bean <ul><li>L.L. Bean: Our products are guaranteed to give 100% satisfaction in every way. Return anything purchased from us at any time if it proves otherwise. We do not want you to have anything from L.L.Bean that is not completely satisfactory </li></ul>
  38. 42. Land’s End <ul><li>Lands End: The Lands' End guarantee has always been an unconditional one. It reads: &quot;If you're not satisfied with any item, simply return it to us at any time for an exchange or refund of its purchase price.&quot; We mean every word of it. Whatever. Whenever. Always. But to make sure this is perfectly clear, we've decided to simplify it further. Guaranteed. Period. </li></ul>
  39. 43. Shopping Online <ul><li>Google item. </li></ul><ul><li>Click on Shopping at top. </li></ul><ul><li>Check for best price. </li></ul><ul><li>One you have best price, check for coupon code! </li></ul><ul><li>Google: name of store + coupon code </li></ul><ul><li> </li></ul>
  40. 46. Check for Coupon Code
  41. 47. Ebates <ul><li> </li></ul><ul><li>My personal link: </li></ul>
  42. 49. An Example <ul><li>Ready to buy Lord of the Rings. </li></ul><ul><li>Googled item. </li></ul><ul><li>Found at Amazon for $21.09 (free shipping) </li></ul><ul><li>Found at Wal-Mart for $19.52 (shipped for free to the store) </li></ul><ul><li>Went to Ebates. Walmart offers 2% of my purchase price back to me. </li></ul><ul><li>$0.39 back </li></ul><ul><li>Ebates created tr acking ticket, I placed my order at Walmart and went to pick up the item. $20.69 with tax. (No tax at Amazon). </li></ul>
  43. 50. Online Returns <ul><li>American Eagle – bought belt with coupon. Called store to see about exchanging item. Was able to go to store and reorder belt. Got discount price (from coupon code) and did not have to pay shipping. </li></ul><ul><li>Call the store or company, find out your options. </li></ul>
  44. 51. Watch Shipping Costs <ul><li> will tell you what sites have free shipping. </li></ul>
  45. 52. Amazon <ul><li>Prices change constantly </li></ul><ul><li>Pre-order Price Guarantee! Order now and if the price decreases between your order time and the end of the day of the release date, you'll receive the lowest price. </li></ul><ul><li>Free return shipping if item is defective. </li></ul><ul><li>No ebates cash back. </li></ul>
  46. 53. Amazon Moms <ul><li>Amazon Mom is a free membership program aimed at helping parents and caregivers, from the prenatal days through the toddler years, use Amazon to find all the products their family needs. To join, simply sign into your Amazon account and tell us whether you are a Mom, Dad, or other caregivers of a child. By providing information about your family, you can help us personalize offers, e-mails, and product recommendations to help you find exactly what you need at just the right time. Amazon Mom members receive benefits such as 30% off diapers and wipes, FREE Two-Day Shipping with Amazon Prime, as well as exclusive offers via e-mail. </li></ul>
  47. 54. <ul><li>Are dads, grandmas, and other caretakers eligible? Yes. Despite the name, Amazon Mom is open to anyone who is responsible for caring for a baby or young child-- Am azon Primary Caretaker just didn ’t have the same ring to it. Kidding aside, we chose this name because we noticed moms in social communities (like our Amazon discussion boards) looking to connect and share information about products and problems with other moms. We wanted a name that would let these groups know that this program was created with their unique needs in mind. That said, we do not want to alienate dads or other caretakers, and we openly welcome anyone who has a young child and wants deals on diapers, fast shipping, and tailored offers that help them get through the newborn to toddler years unscathed. </li></ul><ul><li>What is the maximum age of my child for me to be eligible? Amazon Mom is open to anyone. If your kids are older than toddlers, you can still join the program; you just may not enjoy some of the benefits that are targeted at younger children. </li></ul>
  48. 55. <ul><li>      FREE Two-Day Shipping with Amazon Prime:  When you join Amazon Moms , you will receive FREE Two-Day Shipping with Amazon Prime for the first 3 months of your membership.  For each $25 you spend within a single order in the Baby store, we’ll grant you an additional month of Amazon Prime shipping benefits. You can earn up to one year from the date you joined Amazon Moms . </li></ul>
  49. 56. Subscribe and Save <ul><li>Diapers and now many other items. </li></ul><ul><li>Size 5 Pampers </li></ul><ul><li>Remember to cancel </li></ul>
  50. 57. Subscribe & Save Health & Beauty
  51. 58. <ul><li>Mussers vs. Amazon </li></ul><ul><li>Mussers 3/19 Charmin Basic </li></ul><ul><li>Price on sale w/ coupon = $0.009 </li></ul><ul><li>Amazon = $0.0162 </li></ul>
  52. 59. Kindle <ul><li>Free books </li></ul><ul><li>Updated hourly </li></ul><ul><li>Do not need a Kindle! </li></ul><ul><li>Can be on laptop, desktop, phone, ipod, etc. </li></ul>
  53. 61. Store Credit Cards <ul><li>L.L. Bean - Free shipping </li></ul><ul><li>Target - 5% off all purchases </li></ul><ul><li>Gap/Old Navy/Banana Republic: 10% off on Tuesdays, if you spend enough free shipping. </li></ul>
  54. 62. Other Deals <ul><li>Groupon/LivingSocial/Done Deals/Daily Double </li></ul><ul><li>Amazon gift card: Paid $10 for a $20 gift card </li></ul><ul><li>Forry’s Country Store: Paid $7.50 for a $15 gift certificate </li></ul><ul><li>(Check terms and expiration date. May not be combined with other offers.) </li></ul>
  55. 63. Swag Bucks <ul><li>Search engine </li></ul><ul><li>You get “rewarded” when you use it so often to search. </li></ul><ul><li>Trade in “swag bucks” for gift cards, etc. </li></ul>
  56. 64. Freebies! <ul><li>Check blogs (Freebie Fridays) </li></ul><ul><li>Proctor and Gamble Website </li></ul><ul><li>Facebook </li></ul><ul><li>Go to specific website and look for free offers. </li></ul><ul><li>Call manufacturer. </li></ul>
  57. 65. Rite Aid <ul><li>Drug Stores: CVS also has a good program. </li></ul><ul><li>Reach Toothbrushes - $2.99 </li></ul><ul><li>Get $2.00 UPR use  $1/1 Listerine Adult or Reach Total Items RA printable and  use $1.00/1 printable coupon  </li></ul><ul><li>Free + overage  after coupon & UPR </li></ul><ul><li>Rite Aid my be out of product! Get a raincheck!! </li></ul><ul><li>Sometimes has FREE items. Spend enough 20% discount on regular priced items. </li></ul>
  58. 66. Saving on Monthly Utilities <ul><li>Call every so often. </li></ul><ul><li>Phone bill: Adjusted my package, saved about $20 per month. </li></ul><ul><li>Dish Network: call about free movie codes, call to see if you can adjust your plan. Now offering 10 free movie channels. </li></ul><ul><li>ATT (Other cell phone): Call to let them know dead areas. </li></ul><ul><li>Currently have 1,000 rollover minutes offer </li></ul>
  59. 67. XM Radio <ul><li>XM Radio: Saved $43, got 3 free months. </li></ul><ul><li>If by accident you are overdue on a bill and pay every month on time, call! Ask to have charges taken off. </li></ul>
  60. 68. Pampers Gift to Grow Codes <ul><li>Find codes on Pampers Products </li></ul><ul><li>Free codes on blogs, etc. </li></ul><ul><li>I got a free bike! </li></ul><ul><li>Shipping is free! </li></ul>
  61. 69. AAA Discounts <ul><li>Ritas (20%, not valid w/ other offers) </li></ul><ul><li>Gap Outlet (10%) </li></ul><ul><li>Target Online (10% online) </li></ul><ul><li>Payless (10% off regular price) </li></ul><ul><li>Sears (5% online) </li></ul>
  62. 71. Overwhelmed? <ul><li>Do what you can! </li></ul><ul><li>Pick one store! </li></ul><ul><li>Start small, even doing one thing can make a difference. </li></ul><ul><li>Do what works best for you. </li></ul>
  63. 72. We all make mistakes! <ul><li>Miscalculate a deal. </li></ul><ul><li>Forget the grocery bags. </li></ul><ul><li>Go without coupons. </li></ul><ul><li>Cry at Rite Aid. </li></ul>
  64. 73. Sweet Offerings <ul><li>Desserts!!!!! </li></ul><ul><li>Renee Fisher sharing about her mission trip to Hungary </li></ul><ul><li>Friday, April 8 from 7-9 p.m. </li></ul><ul><li>Childcare & Transportation provided. Contact Church office. </li></ul>
  65. 74. Women of Faith <ul><li>Sept. 9-10 </li></ul><ul><li>Philadelphia </li></ul><ul><li>Excellent Speakers </li></ul><ul><li>Cost: $99 plus approximately $75+taxes for hotel. </li></ul><ul><li>Sign up in lobby by 3/30 </li></ul>