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www.smartdebtcures.com
www.smartdebtcures.com
1. Downgrade your technology:
• Premium Channels
• High Speed Internet
• Smartphones
• Use Prepaid Cell Phones
2. Negotiat...
Premium Cable or Satellite Channels
• If you trim just one premium channel,
you can save $15 per month, $180 per
year, $90...
High Speed Internet
• Verizon offers high speed internet starting at $30/mo.
• AT&T offers a DSL package for as little as ...
High Speed Internet
• Steer clear of low entry offers!
• When you sign a contract just for
the low introductory rate, you'...
Smartphones
These are money-suckers!
Not only are you stuck with high-
priced monthly plans, but in addition
to that plan,...
Smartphones
Consider these alternatives:
• An MP3 player allows you to play as many
songs as you’d like.
• To Google somet...
Smartphones
If you can sacrifice the convenience
of an all-in-one device, and opt for a
regular data-free plan, you can sa...
Prepaid Cell Phones
• Companies like Virgin Mobile and
Boost Mobile are offering all-inclusive
plans starting as low as $2...
Prepaid Cell Phones
If you currently pay the standard rate
of $75 to $100 per cell phone plan…
By downgrading to Virgin Mo...
Monthly Savings:
Premium
Channels
$45
High Speed
Internet
$55
Smartphone
$45
Prepaid
Cell Phone
$75
Total:
$220
www.smartd...
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.smartde...
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...
Your script can look something like this:
“Hi, I’m calling because I’m being offered
substantially lower interest rates th...
• If you’re offered a lower interest rate without
haggling, this is good news.
• Aim higher than you need. If you’re hopin...
www.smartdebtcures.com
• According to Good Morning America,
Kathy Spencer of Massachusetts, feeds
her family of six for an average of $5 per
week...
Coupon Use in 2006
Coupons Released
Coupons Used by
Consumers
$331 Billion
$2.6 Billion
www.smartdebtcures.com
• Sunday Paper
• Coupons.com
• Company websites
• Social networking sites
• Call the manufacturer
www.smartdebtcures.com
Reputable blogs/websites to join are:
• www.moneysavingmom.com
• www.couponmom.com
• www.coupondivas.com
www.smartdebtcure...
Match coupons to circulars:
• When you receive the Sunday paper, look
through both the sales circulars and the
coupon inse...
For the sake of organization:
• Fight the temptation to clip every
coupon.
• Only clip the coupons you need for your
shopp...
• The coupon is released this week.
• The coupon is nearing expiration.
• If the store is aware that a coupon is
nearing i...
CVS:
• Offers Extra Care Bucks (ECBs) to
customers with reward cards. You earn
ECBs by purchasing select items that are
ma...
• CVS allows you to stack coupons.
• Coupon stacking is the practice of using a
manufacturer coupon in addition to a store...
Rite Aid:
• This pharmacy offers Single Check
Rebates (SCRs) to their customers.
• This is a mail-in-rebate program.
• Whe...
• Rite Aid offers many products that work out
to be free after-rebate!
• Further your savings by stacking coupons in
addit...
• Rite Aid is consumer friendly.
• You can actually fill out your rebate
online rather than sending the form
through snail...
Between minimizing your small expenses
and using coupons, you can save literally
hundreds of dollars every month on
everyd...
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How To Save Money On Groceries And Everyday Living

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How To Save Money On Groceries And Everyday Living

  1. 1. www.smartdebtcures.com
  2. 2. www.smartdebtcures.com
  3. 3. 1. Downgrade your technology: • Premium Channels • High Speed Internet • Smartphones • Use Prepaid Cell Phones 2. Negotiate a lower interest rate on your credit cards. www.smartdebtcures.com
  4. 4. 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
  5. 5. 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
  6. 6. 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
  7. 7. 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
  8. 8. 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
  9. 9. 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
  10. 10. 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
  11. 11. 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
  12. 12. Monthly Savings: Premium Channels $45 High Speed Internet $55 Smartphone $45 Prepaid Cell Phone $75 Total: $220 www.smartdebtcures.com
  13. 13. 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
  14. 14. 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
  15. 15. 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
  16. 16. • 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
  17. 17. www.smartdebtcures.com
  18. 18. • 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
  19. 19. Coupon Use in 2006 Coupons Released Coupons Used by Consumers $331 Billion $2.6 Billion www.smartdebtcures.com
  20. 20. • Sunday Paper • Coupons.com • Company websites • Social networking sites • Call the manufacturer www.smartdebtcures.com
  21. 21. Reputable blogs/websites to join are: • www.moneysavingmom.com • www.couponmom.com • www.coupondivas.com www.smartdebtcures.com
  22. 22. 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
  23. 23. 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
  24. 24. • 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
  25. 25. 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
  26. 26. • 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
  27. 27. 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
  28. 28. • 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
  29. 29. • Rite Aid is consumer friendly. • You can actually fill out your rebate online rather than sending the form through snail mail. www.smartdebtcures.com
  30. 30. 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

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