Negotiating For A Car

Posted on October 31st, 2014 by Discount Debbie

car

The buying of a car can be one of the most frustrating things a person can do. You want to make sure it’s safe, in your price range, and that it runs. There seem to be fees added and services you could take or leave. Here are a few tips to keep in mind when negotiating to buy a car.

Bring Your Best Self

This doesn’t just mean to do your research and know what you want, although those are both very good ideas. You should also make sure you are feeling well, wearing comfortable clothes, and not hungry. Make sure you minimize those things that would cause you distraction during your talk with your sales representative. If your are going to be thinking about where to eat during the transaction, it’s best just to go eat first.

Time Limits

Most sales agents are making money on commission. This means that the longer it takes for you and your agent to come to an agreement the less money they are making, and the less invested they may be in helping you get the best deal. Let your representative know you are only giving them a half an hour of your time and set an alarm on your watch or phone. When the alarm goes off on your phone, if you haven’t made a deal yet, walk away.

Pre-Approved Loan

Go to a loan company, bank, or credit union for a loan before going to the dealership. This will help you know what is within your price range and enable you to go to the dealership with an already determined price range and amount of money. This will also enable you to negotiate as a cash buyer. The money being in your hand gives you the perfect bargaining chip and the upper hand during negotiations.

What Are These Extra Fees?

Know what fees and added services are going onto your bill. Some dealerships make up their own fees. Legitimate fees would include state and local sales tax, documentation fees, and motor vehicle registration fees. With regards to services, know what the service is for and what other dealerships charge for the same service. Don’t get gouged by overpriced added services. 


Whole Foods Organic Deals (Plus Halloween Candy)

Posted on October 31st, 2014 by Coupon Cathy

whole-foods-logo

Have you noticed the sales on apples everywhere lately? Whole Foods is not exempt from getting you great deals on apples during this season. Check out this week’s list of deals on organic foods. Also, if you don’t want to give out apples tonight for Halloween, you’ll want to look at the Halloween candy deals, too. It may seem strange to buy your Halloween candy from Whole Foods. But if you care about not giving out candy filled with artificial colors, chemicals and more sugar than anyone needs in a year–and you don’t want to be the “weird lady” who gives out apples and raisins on Halloween–then it’s nice to have alternatives to the junk candy that most children will eat tonight. And if you don’t want to worry about all that on Halloween, then perhaps you and your family can enjoy some yummy treats sans chemicals ;)

ORGANIC PRODUCE

Organic Jonagold Apples $1.99/lb
Use one $.25 cash back from Berry Cart
And use one $.50 cash back from Shrink (use referral code: INICMO to get $1 bonus credit)

Organic Cucumbers $1.50/each

HALLOWEEN CANDY
◾Justin’s Organic Peanut Butter Cup Packs $4.99
Use one $.25 Ibotta Candy Rebate
Final Price: $4.74
◾Glee Gum Halloween Glee Pops $3.50
Use one $.25 Ibotta Candy Rebate
Final Price: $3.25
◾Surf Sweets Organic Treat Packs $5.99
Use one $.25 Ibotta Candy Rebate
Final Price: $5.74
◾YumEarth Organic Halloween Lollipops $4.99
Use one $.25 Ibotta Candy Rebate
Final Price: $4.74

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Thrifty Tip: Use What You’ve Got

Posted on October 30th, 2014 by Discount Debbie

use what you've got

At the start of every gardening season, my husband asks me what I’d like to have in the garden for that season. Because I discovered a new love for cabbage last season, I asked for more cabbage this season. The only problem was that, for whatever reason, it was difficult to find the cabbage seeds we were looking for at the time we were actually planting seeds. Instead, my husband picked up bok choy seeds. So, we got bok choy. Lots of it!

photo 1

Get the picture? The bok choy is what has taken over in the middle of the garden. It’s kinda crazy. I never planned on making a lot of Asian food. But we didn’t want to see all that food go to waste. So…

photo 2

Almost every day, I pick at least one of the bok choy plants.

photo 3

I prepare it for chopping. (They’re pretty, aren’t they?)

If you look at the chopped leaves (not the stems), what does it remind you of?

chopped

Spinach, right? What’s funny is that we discovered that when you don’t include the stems, it tastes a lot like spinach, too. So…

spaghetti 1

That’s not spinach in that spaghetti sauce; it’s bok choy! :)

spaghetti 2

And there’s our Italian meal, using bok choy!

photo 4

Since we like to include whatever green vegetable growing in our garden in our meals, we threw some into our tacos too! Here’s a closer look in case you can’t see that lovely green below the chicken and black beans.

photo 5

Since it is Asian cabbage, it wouldn’t be right not to use it in Asian food. So, here’s a curry dish using the bok choy (probably as it is more normally used). ;)

IMG_0147.JPG

Don’t let marketers and magazines tell you what you must include in your favorite recipes. Just use what you’ve got!

What fun, thrifty substitutions do you make in your meals?


Getting Rid of Stains on Jeans

Posted on October 30th, 2014 by Discount Debbie

denim stain removal

Clothing care is one of the best ways to save money. Jeans particularly take quite a beating when in use. Sewing buttons back on and patching a hole are good ways to prolong the life of an article of clothing. Nothing, however, prolongs the life of your jeans like being able to remove stains from them.

Ink

Try to get as much of the stain out as you can with a wet paper towel. Don’t wipe the stain because you could smear the ink. Dab the stain instead. Next put something under the stain (like a piece of cardboard) that you don’t mind getting dirty. Next spray some hairspray liberally directly onto the stain and let it sit and saturate for about five minutes. Blot the area with a clean wet cloth. Repeat the process until the stain has been removed. This may not work if the stain has been exposed to heat, for example if a pen exploded in a hot dryer.

Grass

Using hot water, scrub the stain with a regular bar of body soap. Next pour hydrogen peroxide into the effected area. Apply a stain stick to the area and then spread some petroleum jelly. Throw the jeans in the wash and wash them as you normally would.

Blood

When trying to get a blood stain out of jeans what you use depends on how old the stain is. If the blood on your jeans is fresh use cold water to soak your jeans. Use your knuckles to scrub the blood out of the fabric. Rinse the jeans and wash them as you normally would.

For a dried blood stain, try using a solution of one tablespoon of liquid dish soap and two cups of cold water. Apply the solution to your jeans by soaking a clean cloth in it and pressing the cloth to the stain for fifteen minutes. Next use a toothbrush to gently scrub the stained area of the jeans. Blot the stain with a clean cloth and repeat the process until the stain is gone.

What stain removal methods have you found to work best?


Free Full-Length Audiobook of “Frankenstein!”

Posted on October 30th, 2014 by Freebie Felicia

audiobook

Free Full-Length Audiobook of “Frankenstein!” from Random House Audiobooks – “LIKE” on Facebook and download your freebie. Ends Halloween at midnight!


Financing a Big, Frugal Christmas

Posted on October 29th, 2014 by Discount Debbie

big frugal christmas

Tis the season to start thinking about the season that usually costs the most. That would be the holiday season. Just because you are a frugal genius doesn’t mean you need to skimp on the festivities.

Plan

Know what you want for your Christmas libations. What type of decorations do you want? What gifts are you hoping to make or buy? How much time do you need to create your decorations or save for a certain gift? Can you make your own gift wrap or should you buy it instead? Have a plan and figure out how you will fit it into your budget. This may mean saving over time. This may mean making a schedule to make a gift. Have a plan. Stick to it.

Cookies

For those people in your life you want to get gifts for, but just don’t know what to give them, don’t give gift cards. Instead make a plate of baked goods or a homemade tree decoration. This way you won’t be spending a fortune on casual gifts.

Create

There are plenty of decorations that can be crafted for very little. You can make a crochet chain out of white, green, and red yarn. One skein would be more than enough to make a crochet Christmas tree garland. You could also make construction paper chains, popcorn chains, and cranberry chains. While it may take more time for larger gift project, such as a scarf or blanket, small decorations can be made quickly and easily.

Buy Before Thanksgiving

Decorations for Christmas can get expensive. Fake trees fly off the store shelves fast, leaving only their more expensive counterparts. Buying a tree before November gives you the opportunity to buy a nice fake tree for twenty dollars. You might be able to get a good deal on Black Friday or Cyber Monday. You won’t have to fight hundreds of other people to get the deal you’re aiming for.

Gift Cards and Cyber Monday

If you are one of those individuals that collect Swagbucks, Zoombucks, and every other type of buck that can be used in exchange for a gift card, work your websites and save up your gift cards. Spend them online on Cyber Monday when deals abound anyway. It will help you get more for your gift card surplus. Try to look for deals that include free shipping for the best savings.


Sprouts Organic Deals

Posted on October 29th, 2014 by Coupon Cathy

Sprouts

It’s Wednesday. That means I’ll will probably be headed to Sprouts this morning. The sales on organic produce are usually the best I can find (I’m always looking). However, since they also have a sale on Seventh Generation laundry detergent and there’s a coupon to use, I can get a great deal on my favorite laundry detergent!

Organic Green Curly Kale or Collard Greens $.99/each

Organic Honey Crisp Apples $2.50/lb
Use one $.25 cash back from Checkout51
Final Price: $2.25/lb

Organic Hass Avocados $.99/each
Use one $.50 cash back from Snap by Groupon
Final Price: $0.49 each

Organic Bartlett, Bosc or D’Anjou Pears $1.50/lb

Organic Cucumbers or Bunched Radishes $.99/each

Organic Romaine, Red or Green Leaf Lettuce $1.50/each

Earthbound Farms Organic Roasted Potatoes $2.99

Wolfgang Puck Organic Soup $2.00

Nature’s Path Organic Flax Plus Cereal $2.99

Shady Maple Farms Organic Maple Syrup $9.99

Lifeway Organic Kefir $2.50
Use one $1/2 Lifeway Kefir Printable
=$2.00

Once Again Nut Butter $5.99
Use one $1/1 Once Again Nut Butter Coupon
Final Price: $4.99

Seventh Generation Laundry Detergent $9.99 (95-100 oz)
Use one $2/1 Seventh Generation Coupon
Final Price: $7.99

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Shop For Christmas During Halloween

Posted on October 28th, 2014 by Discount Debbie

Halloween Christmas shopping

We are days away from Halloween. If you don’t have a costume for yourself or your little one, chances are you can get a pretty good deal on one right now. (As a matter of fact, Walgreens has some costumes on clearance and a $5 coupon on page 11 of their coupon book. So, you could actually score a free costume if the price is right on the clearance costume of your choice.) If your favorite store doesn’t have costumes on clearance yet, just head over there on Saturday morning!

Have you considered shopping for Christmas during these Halloween clearance sales? You should! Think about it. How much do your children love to play dress up? Right now, my daughter dresses up whenever we are home. She even asks if it’s okay to wear her princess dresses when we go out! Boys love it, too. In my daughter’s class yesterday, one boy’s “show and tell” talk involved a Ninja Turtle costume he put on. He even showed us a few of his Ninja moves. ;) Costumes are not just for Halloween.

It’s not just costumes, though, that could make good holiday gifts. How about accessories? Capes, swords, tiaras, and costume jewelry all make fantastic gifts and stocking stuffers. Candy might also be a possibility if you don’t mind the Halloween colors or characters. That may simply depend on how old your children are. Older ones may care; I guarantee that the younger ones won’t. ;)

So, when you pass by that Halloween clearance aisle this week or scan the online deals at a popular website, take a second look with your Christmas shopper eyes. That dress, that cape, and that sword could put a huge smile on your little one’s face on December 25. All you need to do is hide it for two months! ;)

Have you started shopping for Christmas yet?


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