Thursday, March 28, 2013

10 Money-Saving Tips for Grocery Shopping


Here I'll discuss some great money saving tips for when you are doing your grocery shopping.  

Since groceries tend to be one of the biggest cost items in your weekly and monthly budget, it is an area that you should check out to make sure that you are getting the best possible value to support your budgeting efforts.

There is no question that times are hard right now with the state of the economy. 

This has many people looking for ways to cut back on expenses and save money. 

While there are many extras that can be done away with, food is not one of them. 

Sadly, the grocery store is where a lot of people spend the majority of their paychecks, aside from the mortgage. 

Therefore, wouldn’t it be great if you could find a way to cut your grocery bill by at least 25 percent or more? 

While there is no guarantee on how much you can cut your grocery bill by, there are a lot of things that you can do to lower your monthly food expenses. 

Below are some great money-saving tips that, if applied, will help you keep both your bank account and pantry stocked!

1.      Forget about the name.  One of the quickest ways to save money at the grocery store is to forget about the brand name foods. For some reason, people think that buying brand name food is like buying brand name clothing. Guess what? It isn’t! When it comes to food, often times the off brand foods taste exactly like the brand name foods…sometimes they taste even better! And, the best part is that the off brand foods cost substantially less than the name brands do.

2.      Make more from scratch. Somewhere along the way, society has gotten pretty lazy and I admit, I’m talking about myself too. It’s way too easy to buy prepackaged food and “whip” up a meal in less than 20 minutes. Obviously, we are paying for the convenience when we buy those “heat and serve” foods at the grocery store. Therefore, you can save a considerable sum of money by purchasing the individual ingredients for a dish (think mashed potatoes, macaroni and cheese, burritos, etc.) and make it from scratch at home. Additional benefits include serving foods without the extra additives and having leftovers, giving you another meal!

3.      Shop alone. I know it isn’t always easy to get away and go to the grocery store without the kids and/or spouse in tow, but you should when you have the chance. Kids have a tendency to get the “gimmies” whenever they enter a store and by the time parents are halfway through the grocery store, the kids begin to wear them down and unnecessary (and often unhealthy) foods make it into the basket. The same can happen when you bring the spouse along too. The only difference is that it’s harder to tell your spouse “no” than it is the kids.

4.      Go on a full stomach. Another money saving tip is to do your grocery shopping on a full stomach. It’s easier to stroll past all the non-essential food items when you aren’t hungry than it is whey your stomach is growling. This tip alone can save you $10 or more at the grocery store!


5.      Make your own salad. Did you know that those little bags of lettuce cost two to three times more than a head of lettuce does? The same is true for grated cheese. You can buy a small block of cheese for a fraction of the cost. Making your own salad dressing will also save you money. Therefore, if you are a salad enthusiast, start making your own salads. Not only will you save money, but they will taste better too.

6.      Clip coupons. Chances are that you have seen the extreme coupon shows on television and been in awe at how much money those people can save. While there is an art to saving that much money with coupons, there isn’t an art to saving with coupons. You don’t have to be an extreme coupon user in order to save money. Take a little extra time and browse the coupon fliers in the Sunday paper and clip out the coupons for foods that you would normally buy. Then, use them.

7.      Buy meat when it is on sale. While you are looking through the coupon ads, browse the weekly grocery specials for meat. Plan a meal or two around the specific kind of meat that is currently on sale. You can always buy fresh meat and freeze it for later too. Considering meat is one of the most expensive foods you will buy at the grocery store, it only makes sense to buy it when it is on sale and plan your weekly meals around it.

8.      Always make a list. Never, ever go to the grocery store without a list. This is one of the biggest money-making mistakes people make at grocery stores. When someone goes into the store without a list, most of the time they end up with half of what they really need and a lot of things they don’t need. Therefore, make a list before you go to the store and only buy what is on your list. In order to make your list effective, plan out the meals for the week (or two weeks…however often you go to the store) and put the ingredients for each meal on your list to ensure you get everything and don’t have to make another trip.

9.      Shop the outside perimeter first. It’s no big secret that grocery stores are set up with the produce at one end of the store, meat is generally in the middle and dairy is at the other end…all along the outside perimeter. This is done so that consumers are more likely to start at one end and work their way to the other end, after going through all the aisles in between. Therefore, shop the outside perimeter first and get the necessities and only visit the aisles that have the additional items on your list. Do not shop all of the middle aisles or you will most likely spend extra money.

10.  Shop in bulk. Finally, if you have access to a Sam’s Club, Costco or another store that sells items in bulk, use it. You can save a lot of money when you buy items in bulk. Just make sure you purchase items that you will use. Groceries aren’t the only items you can buy at these stores either. They sale everything from electronics to clothing to the essentials.
As you can see, there are a lot of ways to save money at the grocery store.

The list above contains only ten, but there are many more.

The trick is to take an objective look at your current shopping habits and be willing to change them up a bit. 

It can be done, and once it is done you will realize it wasn’t really as hard as you thought it would be.

In fact, many of these money-saving tips will also help you save time at the grocery store too!

Learn more about budgets and managing your money when you read the rest of our information here about: How to Make a Budget and Save Money

 It is one of the most important life skills you can learn as the sooner you take control of your finances, the sooner you can grow your fortune in life.

You can also get my free book download to help you learn how to save money on groceries:
Download free how to book >> Save money on Groceries

Sunday, March 17, 2013

A Pilates Exercise Machine Has Muscle Toning Benefits

When you like working out and want to set up a home gym you definitely need to consider the range of exercise equipment made for Pilates fans.

Pilates has been a popular exercise for strengthening and toning the entire body for several decades.

Pilates is geared towards not just a healthy body but a healthy mind and spirit as well.

It focuses on toning muscles without all the bulkiness often associated with working your muscles.

Pilates encourages proper form to help keep your body in shape and functioning at it's best.

There are many accessories and pilates exercise machines that can be used and they are so helpful that they are often used by people undergoing rehab for an injury or after a surgery.

Pilates can be done on the floor using a mat and some bands too, but for many, the use of a machine can offer additional benefits and help them get more out of their workout.

Here are a few of the benefits of using pilates machines:

1. With any type of exercise it's all about form, if you don't use the right form you won't get the desired results or in extreme cases you can even injure yourself.  Using machines like the reformer is a great way to ensure that you are in correct alignment since the machine will 'force' you to use the proper form. This will allow you to get maximum benefits in minimum time while virtually eliminating the risk of injury.

2.  The machines will make it easier for you to concentrate on the move itself as well as  the position of the rest of your body.  It's really easy when you work out to get moving too quickly and lose some of your form, especially if you're plugged into an MP3 player.  The pilates machines will make it easier for you to slow down and fully concentrate on any areas of your body that are tight, or sore.  This will make it easier for you to focus only on those areas.

3.  The machine will allow you to slowly and gently stretch out your body. It's vital that these movements are controlled and smooth.  Using the machine in this manner can help to relieve a myriad of chronically painful areas of the body, most commonly the back and joints.

4. The increased flexibility you will gain using the pilates machines can greatly help reduce, or totally eliminate, common injuries.  Since these exercises focus on strengthening and increasing the flexibility of your muscles it makes them much less susceptible to injuries.

5. Incorporating machines into your workout will also have the added benefit of adding resistance to your workouts.  As you get stronger, you can increase the resistance which will help keep your body challenged so that you can continue to see improvement.  The resistance will allow you to achieve a much deeper stretch than you could normally do without the aid of a machine. 

While it's not imperative that you use a pilates exercise machine, using one will enable you to ramp up your workouts and help protect you from injury by making sure you are using the proper form.  You can learn more here about how to do Pilates if you are just a beginner.

Before you go out and purchase some equipment though take some time to learn the best way to use it and to find the best machine for your budget, skill level and available space.

Below are a few Pilates accessories and exercise machines featured for you to learn a bit more about them:
 


Stamina AeroPilates Reformer with Free-Form Cardio Rebounder



Sunday, February 10, 2013

How Discount Sites Like Groupon Can Help You Save on Your Household Budget



Groupon is a daily deals website that gives you coupons which can be used at local or national companies.

Groupon was established in November 2008 and it started off by marketing its services to Chicago. 

At this time, it has spread to over 150 locations across North America and 100 in Europe, Asia and South America and has 35 million registered users.

Groupon works by providing businesses a platform where they can advertise daily deals or special discounts on certain products. If a predetermined amount of people sign up to that product on the day of the deal, it becomes available to anyone else as well. 

This way, a business can work with Groupon to get a sudden influx of customers that may or may not become loyal.

Features

Great products and services — Groupon has a team of specialists who constantly check the quality of the services and products that they partner up with, so they only offer their customers the best of the best.

No hidden catches — There are no hidden catches in the Groupon deals. All information is presented up front and there are no surprises for clients.

Great customer service — Groupon has a customer service team that is renowned for its speed and efficiency. You can contact them by email or telephone.

Daily “Your Deals” section — This daily section changes based on previous preferences and choices, so you are constantly being updated with deals that will interest you.

Getaways section — This section is designed to present all the daily deals in travel, to locations all over the world.

Goods — These are the products that are constantly on sale through Groupon. Toys, gadgets, appliances, books and many more are always available.

Seasonal deals — Every season there are many deals available on Groupon for services, tourist attractions, eating out, furniture, cleaning and gardening services as well as many more.

Full refunds — If the coupon that you bought expires before you use it, you can redeem it for the full value according to their Terms of Sale.

Flexible coupons — Coupons do not have to be used on the day you buy them. In fact, you can use them whenever you want up to when the merchant has specified.

Flexible cancellation policy — You can cancel and edit your coupon up until midnight of the day that you bought it. Refund requests are handled case by case.

GrouponLive — This service finds deals for you in the latest concert and show tickets or sports events in your area.

Discussion boards and interactive website — Groupon runs a discussion board and a blog where you can interact with staff and other customers to discuss the deals you have found.

Refer-a-friend bonus — For each friend that you sign up who makes a Groupon purchase within 72 hours of their membership, you will be given $10 in Groupon Bucks in your account.

Smart phone apps — Groupon is now available on smart phones so you can purchase on the go and get deals on demand.

Pricing

Groupon does not have pricing in the traditional sense. You sign up for the service and give them your contact information and then you are given access to the daily deals. Groupon divides the cost of each deal 50/50 between the merchant. 

For example: if you sign up for a manicure at $20, then Groupon will earn $10 and the merchant will earn $10. You usually get a discount of 50%-90% of the original price on many products.

Pros

The biggest pro to Groupon is that you can get great deals very easily. The deals are updated every day, sometimes even every few hours. Many goods and services are available, including travel.

Cons
One disadvantage of Groupon is that because the majority of the users are women, the deals are mainly focused in the health, fitness and beauty markets.

Conclusion

Groupon is a good service to get coupons for many different businesses in your local area, or even to use for goods and services nationally.

Learn more here about money management and frugal living tips:  http://www.learn-how-to-do-it.com/how-to-retire-in-comfort.html

Tuesday, December 25, 2012

How to Organize Your Home: The Dining Room



An organized dining room adds extra comfort to a home.  If you’re like me, sometimes it’s the only organized room in the house!   

Let’s take a quick look around.  Do you eat in here often or is it only for guests?  

 If you don’t use it often, you may just have some simple organizing and dusting to do. 

Are there papers on your table?  Is this table a collection spot for things you want out of your way and then forget about?   

If there are things that don’t belong in this room, put them in baskets and take those baskets to the appropriate rooms.

Do you have a china cabinet or other means of storing fine dishes?  If so, how does the cabinet look?  

 If it’s stuffed to the gills, start by taking a hard look at what you have, how many place settings you have, and how many you need.   

If you want a guideline, take one from the line in “Sleepless in Seattle”:  “12 is too many, 8 is too few.  10 is just right.”  

 How many creamers, sugar bowls, and teacups do you have?  Are they collecting dust and never getting used?  

 Pare down and give them a quick dusting with your duster.  When you open the doors to your cabinet, do you grit your teeth and wonder what’s going to jump out and kill itself at your feet? 

 Consider giving your surplus to a newly-married couple that can use it, or donate it to a women’s shelter or other worthy charity.   

Dust down (or use furniture polish—whatever is applicable here) the front of your cabinet.

What about your lighting source?  Dusty?  Grab your duster—hit the table, the chairs (rungs and bottom of the table, too!), and the lighting source.   

You don’t have to take it down and scrub it clean—just dust it, and if necessary, shake the dead bugs from it. 

As the final step, run the vacuum in here—not the edges, just the “middles” where you walk.   

Move the chairs but not the table—don’t even think about pulling out the china cabinet!  

 If there are things behind there, they’re small and no one else is going to see them.  <wink>

Congratulations—your dining room is done!   Happily, it’s often one of the easiest rooms to keep looking nice and neat!

Learn more on my how to site here  about how to organize your home

I'll be adding more tips and ideas here all year!

Friday, December 14, 2012

For a Frugal Christmas This Year Avoid The Mistakes That Break the Holiday Budget

When you are planning to enjoy a frugal Christmas at home, but you still want to have Christmas fun with your family and friends, you need to do some planning ahead of time.

The holiday season is pending and you’re all set with a budget. Great! That puts you steps ahead of the majority of people.

However, before you head out to begin your holiday shopping, let’s step back for a moment.

You may have made some critical mistakes in your holiday budget. Identifying them ahead of time will save you stress in the long run.






I have created a huge feature packed page of tips on my site that you can check out for how to keep Christmas simple, while still having tons of Christmas Fun.

But I also want to share some valuable tips here with you that you will find very useful as you plan your Christmas celebrations.

These are the top 5 mistakes that are most likely to break your Holiday budget if you are not clear about your goals:
 
#1 Buying the first item you see - 
 Okay, so your kid wants the new gaming system. You’ve budgeted it and you know you can afford it. You head out to the big box electronics store to grab the item.

Stop! Have you done your research? Is this the cheapest you can get it for?

Are there any promotions or online promotion codes that could save you money?

Just because it fits your budget doesn’t mean you should spend that amount. You might be able to save money.

Chances are, there will be a few surprises during this holiday season and a few bucks saved may come in handy.

#2 Not tracking your expenses - 
One of the most common mistakes people make when creating a budget is they don’t actually track how much they’ve spent. How will you know then if you’ve stayed on budget?

Your tracking system doesn’t have to be fancy. You can simply write at the top of a piece of paper how much you have to spend, who you have to buy for and then leave room to write down how much you’ve spent.

Clip receipts to the paper so you can quickly do the math, and you’re set. Don’t walk out the door before actually creating a system to track your expenses.

#3 Not factoring in unforeseen expenses - 
It’s almost guaranteed that there are going to be some unexpected expenses during the holidays.

 If you don’t leave room in your budget for these expenses, they can put you into debt and cause stress.

This is a season to enjoy, not to get stressed about. Create a miscellaneous expenses category in your budget and allocate some money toward it. That way, all your bases are covered.

#4 Pride and Ego - 
All too often we buy gifts to impress others. For example, that $500 bottle of wine you gave your boss as a hostess gift. There’s no need to do that.

Your hostess would likely be just as happy with a lesser bottle of wine. It really is the thought that counts. Don’t let your pride and ego get you into hot water.

#5 Too much - 
It’s easy to go overboard during the holidays. Learn the value of scaling back. Buy your children three gifts this holiday instead of thirty.

Scale back on the decorations and really focus on quality instead of quantity. You’ll be glad you did.

It’s easy to go over budget during the holidays. Take the time to make a plan and commit to sticking to it. Remember what the holidays mean to you and focus on that.

Be sure to visit my site here for even more tips in planning your Christmas while remembering how to keep Christmas simple



If you are looking for some beautiful Christmas clip art and graphics to use in your Christmas crafts and decorations, you can't beat my pack of 1,500 Christmas graphics for only $5 you can get here: 

 

How to organize your home & Decrease clutter

Living in clutter is a nightmare - you can't find anything so you're stressed out.

Everything you need is hidden underneath piles of 'whatever that is' and you don't have time to find it.

Every time you make time the mere thought of tackling it makes you run in the opposite direction.

I have some helpful tips here on my how to do it website: How to organize your home

But of you're ready to reclaim your space here are five tips to get organized.

Start Small

Cleaning up clutter is overwhelming. The best thing to do is to start small.

Purge one room at a time or purge for 10 minutes a day. Either one of those will help you ease into the cleaning mode.

As you are cleaning decide if each item will be saved, tossed in trash or donated. Have trash bins handy for throwaway items and garbage bags for donations.

Let Go


It’s hard to let go of items because of that time where you will 'need it one day.' Other times there is sentimental value.

Either way you have to make the decision to let go of items you haven’t used. If that 'one day' hasn't arrived yet it probably never will.

Subscriptions like magazines and newspapers that have been read only once needs to be unsubscribed. It takes up so much space.

Storage

Have a place for everything. It will be hard to lose something when everything has a place to go.

Use the garage, basement, attic or similar places for seasonal items.

Another great option is to use stuff around the house. Baskets, boxes and bins go a long way to making a room look more manageable.

Take advantage of vertical storage in the home--bookshelves and vertical storage solutions--and save a lot of space in the process.

If anything is taken from their storage place put it back where you found it. It will always be there when you need it.

Clean Up Time

Organization does not end when everything is clean. You must keep it that way to live in a clutter-free environment.

Schedule a time to clean up the clutter. That way the clutter won’t return back to the way it was.

Stop Wasteful Spending

Purchasing a new item for the house is one more item for possible clutter.

Make sure that this item is absolutely necessary (impulse shopping, latest trends and technology upgrades are NOT necessary).

It’s best to purchase items that will serve more than one purpose or rent items needed.

When one item is purchased purge and take away one item from the home to stop clutter.

This will force you to use what is in the home so that each purchase will have meaning.

How to organize your home