So far, this week I have saved:
- Meijer $27.09
- CVS- $50.11 (spent $39)
- Walmart $57.10
Total Saved $146.21 Total Spent $135.
I’ve stockpiled a bit of stuff like toothpaste (found some on clearance at Walmart and used coupons!). I don’t want a super-huge stockpile. I’m really in it for the thrill of the hunt! Woohooo!!!!
Do you have any savings deals to pass on to us? If not, any tips or hints?
I ran this on POSH this week.
Here are 30 ways you can maximize your dollar to live your Posh lifestyle.
1. Get a clue on your budget.
How much money is coming in monthly, how much do you HAVE to spend (loans etc), and how much must you save to reach your goals? What is left is the amount of money you can spend on living your Posh life. Don’t have enough for that last one? Figure out ways to lessen your ‘have to’s’. This means how you can save money using coupons etc.
3. Get real.
Are you spending too much in your ‘have to’s’ ? How can you lessen this? Do you need to spend so much in one area? Do you have to use a certain brand? Redefine your “Posh” definition.
4. Start using lists when you shop.
Use a grocery list. You will be less likely to pick up extra and unnecessary items and more likely to stick to your budget.
5. In a hurry? Shop at the lower-priced food stores. Lower price can also mean the stores with the best coupon/ad match policy. Whatever you do, weigh out the price of using a convenience store for your essentials.
6.Learn how to do the shopping math.
This means comparing the price-per-ounce or other unit prices. Often this will be displayed for you on the shelf. You may want to hit the dollar store for a small calculator.
7. Consider stockpiling items.
Smart coupon users have learned this trick. When there is a sale and some coupons you can use on that sale, stock up. You will save money in the long run. Stock up on non-perishable items with low per-unit costs for best results.
8. There is not enough that we can say about using coupons and coupon codes. The high you will get from the savings is even better. Start by using our database.
9. Sometimes, using credit cards can be a messy necessity. Do your best to minimize the mess. Avoid late payment fees and possible interest rate increases on your credit cards. You can do this by paying online or making sure your payment is mailed a week to ten days before the statement due date. Did you know, late payments on one card can increase fees and interest rates on other cards? Ouch- now that’s a mess!
10. It may be impossible to avoid interest charges but, you can certainly attempt to minimize them.
We would all love to avoid interest charges by paying off our entire bill each month. But, the reality may be that we can only pay as much as we can. One suggestion is to shift the remaining balance to a credit card with a lower annual percentage rate (APR).
11. Use credit cards with bonuses only if you know for sure that you can benefit from these bonuses. We are talking about cards with rebates, cash back, travel awards, or other perks. These cards may carry higher rates or fees.
12. Swallow your “be seen at that store” pride.
Did you know that you can save hundreds of dollars a year by shopping at lower-priced food stores? We are talking about stores such as Aldi. Not everything will be super-lower than shopping elsewhere with coupons but, for staples such as beef and milk, we suggest a weekly visit to to these kind of stores.
13. Buying online?
ALWAYS….always…always (get the hint here?) open up another tab and do a search for online coupon codes. We have a listing on our sidebar as well. Even if it’s just for free shipping- hello…that could be a good $20 saved.
14. Reward yourself for saving.
Many people save with a goal in mind. That goal could be retirement, a vacation, a big fat bank account or a really nice handbag. You deserve to be rewarded for your hard work.
15. Oopppsssss! Did we say “hard work”?
Okay, at first it may seem like hard work but, after you get the swing of things and you see the rewards, it ain’t gonna seem so hard any more. This bliss can happen on your first savings
16. Make your perishables last longer.
Why buy fruit weekly if you can make yours last longer?
Take a little bit of time to line the bottom of your refrigerator’s crisper drawer with paper towels. This helps to remove extra moisture which can lead to rot.
17. Read the label on your package for storage suggestions. Leaving bread and onions in a cool, dark place can make it last longer.
18. Do you use bagged lettuce?
Okay, this is one item that may be worth the price of convenience. We make ours last longer by sticking a paper towel in the bag after it has been opened.
19. Love bananas? Store these in a spot, not in the fridge, where they can be physically unharmed. Do not separate them until you plan to eat them. Consider freezing them as a treat..
20. A good dairy item to stock up on is butter. You can store butter in in an airtight container in the freezer for up to six months
21. Make cottage cheese or sour cream last longer by placing the container upside down in the fridge. This creates a vacuum which inhibits the growth of bacteria that causes spoiling.
22. You can get more stored in your fridge by using baggies. Many deli meats will come with a preservative pouch you should include in the baggie. Also, be sure to label the baggie with the expiration date of the product.
23. Keep brown sugar in your freezer to prevent hardening. If it’s already hard place a slice of bread in the bag or microwave it on high for 30 seconds.
24. Do an analysis of the energy use in your home. Look for items that are plugged in 24/7 that do not have to be. Are you using the most efficient bulbs in your lights? Can you turn the heat off at any time of the day?
25. Can you get by with lesser named products?
These products can include laundry detergent, dish soap and bleach. What’s the difference between bleach brands?
26. Get to know your local dollar store. There are items, such as named brand toothpaste, that you really can’t do better on elsewhere on a daily basis.
27. Learn the coupon tricks.
This means the tricks of the pros who know what stores to shop at because of their policies, where to find great coupons etc. Start here.
28. Do your research and then your re-research
This really applies to things you may purchase yearly such as insurance. Research the best ways to save and then in a year re-research these methods to see if they are still relevant or if new ones have popped up.
29. Don’t ignore some great shopping sites.
There is a bit of a competition going on with some sites such as Ebates, Groupon, Buy.com, Restaurant.com, Yourbestonlinedeal.com, Deal on!, and Living Social. It works for us!
30. Lastly, it’s all about budget. Not just your money budget but, your time budget. Learn how to find a a designated time to spend a designated amount of time to research and prepare for your savings goals.