Avoid Losing Money Online

Posted on October 22nd, 2014 by Discount Debbie

avoid losing money online

There are many ways to lose money and with modern technology now there are more than ever before. Here are a few money sinkholes and how to combat them.

Internet Hypochondria

No joke. Don’t go on the internet when you are ill. You will end up going to your doctor over nothing. What makes us go running to our doctor when we try to diagnose ourselves based on website information? It’s the fact that there are a thousand things that share the same symptoms. The most popular symptom sharers right now are the flu and ebola. One means two days in bed and plenty of fluids. The other means medical isolation. While your internet hypochondria may not be so severe, there are many diseases that share the same symptoms and our minds naturally gravitate towards the worse case scenario.

Instead:

Keep your family doctor’s number or your ask a nurse number handy. They can tell you what sickness is running through your community, if you need to go to a doctor, and what steps you can take at home when a doctor isn’t needed. They can also tell you a time frame that the symptoms you are experiencing should subside and what to do if they don’t.

Social Games

Goodness knows how much money has been wasted on social games. There is a sense of obligation to play when your friends are playing. Then there is the desire to build up your city, farm, or cafe. Next you are running out of time for a certain quest, a quest item won’t drop for you, or you have to have that new bunny. And every last one costs money. So you spend money on your non existent establishment.

Instead:

Limit your time playing social games. Just limiting your time can reduce the chances of you spending money and getting caught up in keeping up with the Jones’ imaginary farm. That being said, social games can become a time wasting addiction. It’s because it’s social interaction that is passive and on everyone’s schedule eventually. Be more socially aggressive. Make a phone call. Write a Facebook comment. Have a party. You’ll feel more socially fulfilled. I promise.

Trying To Make Money

We have all seen the get rich quick schemes that the internet has to offer. They start out with the word free and end with a credit card number request. Some of us have tried them. There are web hosting sites that turn out to be useless to us. There are sites that promise to help us make money, but end up only being a platform to sell us other people’s merchandise. Some of these sites gum up your computer in the process of trying to use them.

Instead:

Check each site, product, or company with the Better Business Bureau. If the BBB won’t approve it, don’t use its services. Check to see how long your company or service has been in business. Usually the longer a service or business has been around the better the chances are that it’s legitimate. Last, ask around. Ask friends or look for reviews of the company or service on the web. If a service is shady people are more than happy to let the world know.

 


Hot Deals

Posted on October 22nd, 2014 by Coupon Cathy

cucumber wipes

Looking for some hot deals on personal care products? Check out the great deal you can get on Yes To Carrots Cucumber wipes (I LOVE that brand)! You’ll also find great deals on razors and shampoo, among a few other things. Also, check out the Halloween candy deal, as we are less than two weeks away from that big day.

Johnson’s Baby Lotion, 15 oz $2.89, regular price
Use $1.00/1 – Johnson’s Baby Lotion (facebook.com)
And use $1.00/1 – Johnson’s Baby Product, 10 oz or larger, Target Mobile Coupon, Text BABY to 827438
Final Price: $0.89

Yes to Cucumber Wipes, 10 ct $2.84, sale price through 10/25
Price Match to Target.com price of $2.55
Use $2.50/1  – Yes to Product (facebook.com)
Final Price: $0.05

Buy 2 Bic Silky Touch Disposable Razors, 10 ct $3.24, regular price
Buy 2 Gillette Sensor 3 Disposable Razors, 4 ct $4.99, regular price
Use one FREE – $5.00 Target Gift Card with Personal Care Purchase, $15.00 or more, TARGET COUPON (target.com)
And use two $3.00/1 – Gillette Male Disposable Razor from RP 10/12
And use two $2.00/1 – Bic Disposable Razor from SS 10/19
Pay: $6.46, Receive $5.00 Target Gift Card
Final Price: $0.37 each, when you buy all 4

Buy 4 Dixie PerfecTouch Grab ‘N Go Cups and Lids, 12 oz 14 ct $3.79, regular price
Buy One Get One Free through 10/25
Buy 2, Receive 2,000 Balance Rewards Points through 11/1
Use one $1.00/2 – Dixie Products (dixie.com) (requires signing up)
Pay: $6.58, Receive 4,000 Balance Rewards Points ($4.00)
Final Price: $0.65 each, when you buy 4

Buy 2 Tresemme Shampoos, Conditioners or Stylers $4.00 each, when you buy 2, sale price through 11/1
Use one $5.00/2 – Tresemme Products from RP 9/28
And use one $2.00/2 – Tresemme Products, WALGREENS COUPON (socialtwist.com)
Final Price: $0.50 each, when you buy

Buy 2 Halls Base Advanced Vapor Action Menthol Drops Cough Suppressant, 30 ct $1.47, regular price
Buy 2, Receive $1.00 with Checkout 51
Use one $1.00/2 – Halls Drops Bags, 17 ct or larger from SS 10/5
Pay: $1.94, Submit for $1.00 Checkout 51
Final Price: $0.47 each, when you buy 2

Buy 2 M&M’s Fun Size Milk Chocolate Candies, 11 oz $2.50, regular price
Buy 1, Receive $1.00 with Snap
Use one $1.50/2 – Mars M&M’s Chocolate Candies, 9.9 oz or larger (bricks.coupons.com)
Pay: $3.50, Submit for $1.00 Snap Credit
Final Price: $1.25 each, when you buy 2

Have you bought any Halloween candy yet?


FREE Samples of Pantene Pro-V Smooth & Sleek Shampoo and Conditioner

Posted on October 22nd, 2014 by Freebie Felicia

pantene samples

Free Samples of Pantene Pro-V Smooth & Sleek Shampoo and Conditioner – Sign in then fill out the form.


Free 11×14 Photo Canvas (Just Pay Shipping)

Posted on October 21st, 2014 by Freebie Felicia

This is a GREAT deal for a unique and personal Christmas gift!

Free 11 x 14 photo canvas (just pay shipping) or 50% Off any larger size!

Shipping for the free 11×14 is $18.95.

New for 2014: Visitors can choose from a large selection of inspirational, fun, and decorative prints if they don’t have a photo to upload.


Use This, Not That

Posted on October 21st, 2014 by Discount Debbie

file1991249394547

There are many ways to cut corners when it comes to household costs. My favorites are finding a use for something that I already have. I don’t need to buy an extra item and I get more use out of the items I have. It reduces clutter and increases the room in my shopping cart.

The Fridge Instead of Dry Erase Boards

If you have a standard white fridge don’t buy a dry erase board. Dry erase crayon and marker comes off of your standard white fridge just fine. It’s also a high traffic area so it’s very likely that if you leave a message for a family member on it, they will get the message. For our shorter family members it’s a treat to be able to write on the fridge and only takes a wet cloth to wipe away. You can draw a calendar on your freezer door or write down emergency numbers for the babysitter. It’s a great way to get more use out of your fridge.

The Cleaning Sponge Instead of Wash Cloths and Loofahs

Sponges were made for cleaning and that includes your body. They absorb more than enough soap and water to get your skin clean. If you want to exfoliate use the ones (lightly and gently) that have a the green scrubbing pad on one side. They come in a variety of colors so that you can tell each family member’s sponge from another. If the color system doesn’t appeal to you, you could just get a six pack of sponges and cut them into different shapes for a useful kids crafts. They will love their custom sponge and you will love using the leftovers as cleaning supplies.

Cook Wear Instead of Mixing Bowls

This is a great tip for those with limited cupboard space in their kitchen. Don’t get mixing bowls. Instead use pots to mix up your cookie dough, or mix ingredients for your latest casserole recipe. Your cookware will work just as well as mixing bowls and using them saves both money and space.

 


The Frugal Prepper Part Two

Posted on October 20th, 2014 by Discount Debbie

frugal prepper

There is more to preparation than having food, water, and climate control (we covered that in Frugal Prepper – Part 1). There is the problem of where to put it all once you have it. What will you do for laundry or cooking without electricity? What good is a  generator without fuel? For apartment dwellers these issues are compounded with our lack of room for storage. Luckily there are ways around all of these issues if you want to be a prepper.

Storage

I know of people who build sheds in their backyard to keep all their preparation supplies. This doesn’t fit into the budget for everyone. Also some of us are apartment dwellers and as a result have no backyard. For those of us that are in the latter living situation, there are still places we can store our supplies. Canned goods can be stored in entertainment centers, under beds and sofas, and in closets. You could also go vertical by putting your canned goods on book shelves bought cheap at thrift stores. Just make sure you distribute it across your home in a manner that the weight of your storage won’t cause it to crash through your downstairs neighbors ceiling.

If you’re crafty, you can also create bean bag chairs that will hold your packages of beans, peas, lentils, rice, or other bagged dry goods. These can be anywhere in your home and serve a purpose other than storage.

Check Out Youtube

Youtube is a great resource when it comes to frugal preparation. So far our family has found videos showing how to make a homemade swamp cooler inexpensively that we could run on our homemade generator that requires exercise instead of fuel. The generator can also be made inexpensively and be used to charge a 12 volt car battery which our camp stove can run off. You can even learn how to make a camp toilet, which will be very much needed should the worst happen to your plumbing.

Electricity Free Items

I have already mentioned the camp stove that runs off a car battery. It costs about thirty dollars on Amazon last time I checked. Another thirty dollar purchase is a hand cranked washer for laundry. If you add a few drying racks you have a laundry system that didn’t cost too much and doesn’t rely on electricity. It can also save you money during non emergency life if you are looking for ways to keep more money in your wallet. It may cost a bit under one hundred dollars for these items, but that’s much less than a generator and the fuel required to run it.

Buy In Bulk

Get a card for Costco or Sam’s Club and buy your canned and dry goods in bulk. It will cost less and give you a good jump on having an actual surplus. Make sure you buy food that your family will actually eat. Your toddler still won’t like canned asparagus in a crisis. Don’t forget things like toilet paper. As your gain your surplus, use what you have and replace it regularly so that it doesn’t go bad.


Halloween Costume Deals

Posted on October 20th, 2014 by Coupon Cathy

halloween costume

If you’re looking for a good deal on costumes for your children, check out these great Target deals. I noticed, by the way, that you can get the sale/clearance price online without a coupon. So, if that’s easier for you (as it usually is for me), check out the clearance section at www.Target.com.
Buy 2 Sofia the First Costume $20.00, regular price
Use $10.00 Off Halloween or Accessories Purchase, $40.00 or more, Target Mobile Coupon (exp 10/25) Text SPOOKY4 to 827438
And use 40% Off – Sofia the First Costume, Target Cartwheel Offer (exp 10/25) – (cartwheel.target.com)
Final Price: $7.00 each, when you buy 2

Hello Kitty Costume $30.00, regular price
Use $10.00 Off Halloween or Accessories Purchase, $40.00 or more, Target Mobile Coupon (exp 10/25) Text SPOOKY4 to 827438
And use 40% Off – Hello Kitty Costume, Target Cartwheel Offer (exp 10/25) – (cartwheel.target.com)
Final Price: $13.00 each, when you buy 2

Doc McStuffins Costume $30.00, regular price
Use $10.00 Off Halloween or Accessories Purchase, $40.00 or more, Target Mobile Coupon (exp 10/25) Text SPOOKY4 to 827438
And use 40% Off – Doc McStuffins Costume, Target Cartwheel Offer (exp 10/25) – (cartwheel.target.com)
Final Price: $13.00 each, when you buy 2

Jolly Gnome Costume $15.00, regular price
Use 40% Off – Jolly Gnome Costume, Target Cartwheel Offer (exp 10/25) – (cartwheel.target.com)
Final Price: $9.00

Girls Super Hero Costume $15.00, regular price
Use 40% Off – Kids Super Hero Costume, Target Cartwheel Offer (exp 10/25) – (cartwheel.target.com)
Final Price: $9.00

Girls’ Whimsy Witch Hat $10.00, regular price
Use 40% Off – Girls’ Whimsy Witch Hat, Target Cartwheel Offer (exp 10/25) – (cartwheel.target.com)
Final Price: $6.00

Kids’ Strong Man Costume $30.00, regular price
Use $10.00 Off Halloween or Accessories Purchase, $40.00 or more, Target Mobile Coupon (exp 10/25) Text SPOOKY4 to 827438
And use 40% Off – Kids’ Strong Man Costume, Target Cartwheel Offer (exp 10/25) – (cartwheel.target.com)
Final Price: $13.00 each, when you buy 2

Lightning Bolt Costume Accessory $10.00
Use 40% Off – Lighting Bolt Accessory, Target Cartwheel Offer (exp 10/25) – (cartwheel.target.com)
Final Price: $6.00

Deal Idea

Buy 1 Doc McStuffins Costume $30.00, regular price
Buy 1 Girls Super Hero Costume $15.00, regular price
Use $10.00 Off Halloween or Accessories Purchase, $40.00 or more, Target Mobile Coupon (exp 10/25) Text SPOOKY4 to 827438
And use 40% Off – Doc McStuffins Costume, Target Cartwheel Offer (exp 10/25) – (cartwheel.target.com)
And use 40% Off – Kids Super Hero Costume, Target Cartwheel Offer (exp 10/25) – (cartwheel.target.com)
Final Price: $13.00 each, when you buy both

Are you ready for Halloween yet?


It Costs More To Be Without These Items

Posted on October 17th, 2014 by Discount Debbie

costs more

Most of the time to save money means to not spend it on frivolous items and getting rid of clutter. Other times it means to invest in very useful items and keeping things on file. Here are a few helpful tips in line with the latter school of thought.

Detectors

Fire and smoke detectors don’t cost very much, but are often over looked when it comes to being prepared. They not only can save lives, they can save money. The more your family is prepared the less likely your insurance will deny your claim should the worst happen. Make sure your detector is functioning properly and has batteries. Also consider getting a carbon monoxide detector. Check on Amazon. There are various CO detectors for any budget. They can save your family’s life and save on medical expenses.

Last but not least, if it’s in your budget, consider getting a security system. The sign in your yard by itself has been known to deter those who would break in. For those extra bold individuals who would break into your home it notifies your security company who will in turn notify the police. It will cost less than replacing things in your home that have been broken or stolen.

Numbers

Phone numbers are the first numbers that come to mind when it comes to saving money. Calling a store or company with a question is far more cost effective than making a trip across town to do the same thing. Even if you end up needing to go to their location, your time will be saved because the details of your visit have been taken care of over the phone. Also keep medical numbers, roadside assistance numbers, and family numbers on hand. These will save you money in emergency situations.

Confirmation numbers are the second numbers to keep around. When you pay a bill over the phone always write down your confirmation number of that payment on the bill and then file it. If you ever need to prove you have already paid a bill, your bill and confirmation number will be at your fingertips. You could also use your bank statements in a pinch if you need to. Without proof of payment, however, you may end up paying the same bill more than once.

Contracts of Service

Another item you need to keep on file are service agreements. Did you agree to a data limit on your internet? Are you stuck in the contract for a specified amount of time? Are you entitled to free maintenance? All these questions can be answered in your service contract. The same goes with your lease. Will you be fined for hanging things off your balcony? Your lease should be able to tell you.

 

 

 


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