24/7 MOMS

Tuesday, November 8, 2011

Get a Melissa & Doug 25% Off Coupon When You Take the North "Poll"!!

Melissa and Doug want you to tell them which of their educational toys you think is the best! Just click on the image below to place your vote in the North "Poll!" You'll Get a Melissa adn Doug 25% Off Coupon** to use at MelissaAndDoug.com just for voting!

This is perfect for the Holidays!  Don't miss out on saving some money on quality educational product for your children! :)  You can't go wrong with Melissa and Doug!

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Thursday, November 3, 2011

Stretch The Mighty Gasoline Dollar



Stretch the mighty dollar in your mom travels-


With the continual rise in gasoline prices I have been reading up on how to stretch the mighty gasoline dollar.

I came across one website that was filled with tons of great information on saving money on gasoline. Here are a few examples from their site http://www.wikihow.com/Save-Money-on-Gas

Combine trips. If you can, do several short trips in one longer trip. You will save fuel and time. Make lists to avoid having to go back. Call ahead to avoid wasted trips.
Park in the first spot you find. If you wander all over the parking lot looking for that really close parking space, you'll use more gas. Don't be afraid to walk a ways, if it comes to that - the walk will do you good!

Join a loyalty club. Some gas stations, department stores and grocery stores offer lower prices when you present their membership card, but keep your eyes open and verify that their prices are really lower than other stations in your neighborhood. ( Safeway and Fred Meyers have these type of clubs).

Park in the shade. Gasoline actually evaporates right out of your tank, and it does so faster when you park directly in the sun - winter or summer. Parking in the shade also keeps it cooler inside, so you will need less A/C to cool off when you get back in. If there is no shade available, park so that your gas tank (the actual tank under the car, not the valve to fill it) is facing away from the direct sun.
Use a global positioning system (GPS) to help you navigate and find the fastest, shortest distance to your destination. Avoiding hills and stops will increase your gas mileage.
Clean out any unnecessary items in your car. If you have heavy objects in your car that you don't need, remove them. If your car is lighter, it will use less fuel to get where you're going.
Change the oil regularly Use a synthetic oil instead of mineral oil. This will cause your engine to run better and give you better mileage.


Check the air pressure in the tires every week. Buy an inexpensive air pump and an accurate tire gauge. Keep all tires inflated to the pressure recommended for your car.

For additional tips on stretching your gasoline dollar check out http://www.wikihow.com/Save-Money-on-Gas.

Do you have a stretch the mighty dollar idea to share with the 24/7 MOMS? Email me at trisha@247moms.com to share it in a future 24/7 MOMS publication.

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Thursday, October 27, 2011

Frugal Greeting Cards


Greeting cards can almost cost as much as the gift these days, and personally I would rather put the money toward a nicer gift than a card. I know, I know - the wonderful words written in these cards can be very meaningful. So, how do we cut back yet still share meaningful thoughts?

1. Boxed greeting card assortment – I have, over the years, purchased boxes of miscellaneous greeting cards at my local warehouse ( Costco) or Target stores. These have not only saved me money, but have saved me time when I am in a last minute situation needing a card.


2. Dollar Store Cards – Plan ahead and purchase multiple cards for upcoming birthdays, graduations, Father's day and other events you will need greeting cards for and purchase them on your next Dollar Store trip, saving you both money and time.


3. Create your own cards - using scarp book supplies, stamping kits or even right off the good ole’ computer.

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Thursday, October 20, 2011

Everyone panic: peanut butter prices set to rise!

Photo credit Stock Exchange


OK, please DON’T panic.

It’s bad for your health and to paraphrase someone very wise, worrying won’t add or even buy you an extra hour anyhow.

So here’s the scoop: peanut prices are on the rise due to a really dismal peanut growing season. Kraft will increase the price of its peanut butter by 40% starting October 31st. Scary coincidental, right?

So what can you do about it?  Read my friend Angela from The Coupon Project  tips on  how to deal with the soon to be high costs of Peanut Butter.  This could be a tragedy to our PB&J loving kids.

Click here to read Angela's article now.

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Thursday, October 6, 2011

10 Ways Grocery Stores Trick You Into Spending More

by Echo Surina / from TLC

We all enjoy the thrill of saving a buck, right? The savvy shoppers among us do all sorts of things to save a few cents here and there at grocery stores, such as cutting coupons, scoping out sales and using a membership card to receive discounts.

But food stores, from gourmet retailers to budget grocery markets, have ways of getting you to fork over more of your money to them -- without you even knowing it! Sure, there's a difference between engaging in cutthroat business practices and unabashedly cheating customers. Some methods are shadier than others. Here are 10 common ways grocery stores trick you into spending more.

10: Mislabeling Meats

This tactic may seem so blatantly shady that it's hard to believe stores get away with it. Make no mistake, though: It happens. A lot.

Many grocery stores have been caught duping shoppers with this bait-and-switch -- labeling the weight of packaged meats as more than the food actually in the package. Sure, some stores intentionally put the wrong weight on containers, plain and simple. But there are more surreptitious approaches worth watching out for. Factoring the weight of the package into the reported weight of the food is one way. Another is coating meat in ice so that you end up paying a premium few cents more, which can add up over time.

9: Water-packing Meats

Have you ever seen a label that says something like "up to 10 percent solution"? This is another trick stores use -- packaging meats in a water solution.

Beware of water-packed meats because the price per ounce includes all that solution. Sometimes, you'll spot stickers that claim the solution enhances the food's flavor or its other qualities. Perhaps. But keep in mind that water is relatively free for the grocery store to use, it increases the food's weight and it inevitably jacks up the price you pay. Cheap meats aren't always so inexpensive when you consider hidden costs like this one.

8: Hiding Flawed Foods

Bruised strawberries, fatty cuts of meat, torn slices of cheese: What do markets do with damaged foods like these? Bury them in packages and sell them, of course!

Instead of tossing out or donating flawed foods, stores will instead strategically arrange them among undamaged goods. This way, you don't discover the blemishes until you get home. The chance of customers like you going through the hassle of returning to the store, waiting in line and exchanging the item is pretty slim. Choose packages that clearly show contents, or pay extra attention to what you're buying to avoid getting suckered and stuck with rotten food.

7: Grouping Items That Go Together

Finding the foods you want at your local supermarket is something you're probably very familiar with. You go to the bakery for bread products and the butcher's counter for meats. Aisles are arranged by like products. Right?

This isn't always the case. You may not have noticed foods that go together are displayed side by side, even though they typically would be stocked in different parts of the store. Extra-thick, natural bacon and premium-brand refrigerated hash browns (neither is on sale, of course) get placed next to the egg shelf. Or an organic salsa gets placed next to tortilla chips instead of on the condiment aisle with all of the other salsas. The store's motivation in doing this is to suggest tasty (full-priced) pairings that you'll grab out of convenience instead of going to the other side of the store to compare prices.

6: Diluting Liquids

Nabbing the cheapest laundry detergent doesn't always equate to going home with the best deal. Store-brand liquids like cleansers or fruit juices are sometimes diluted. While you may only pay a fraction of what a name brand costs, you could be buying less of the active ingredients for the same price -- or more -- because the product is so watered down.

For instance, a label that reads "25 percent more" can mean 25 percent more in weight or in container size -- not the active ingredients. "Fruit juice blend" can mean a mixture is made of 20 percent juice concentrate and 80 percent sugar water.

The solution for consumers (pun intended): Question ambiguous bargain claims, and become a label reader.

5: Making Riddles of Unit Pricing

Just because you made a midnight ice cream run and are standing in the freezer section in your sweats doesn't mean you're going to slack on doing your due diligence now that you're there. Which one is the best deal right now? This question can be tougher to answer than you might think, thanks to grocery stores' creative use of pricing units. They mix it up on purpose. You'll find that some ice creams are priced per ounce, others per pint and others per quart. It's challenging to compare apples to apples -- or fudge ripple to rocky road. Bring a calculator or conversion chart cheat sheet to help you.

4: Placing Priciest Items at Eye level

You're most apt to notice items right in front of you when shopping. Call it human nature. It's no wonder that distributors and manufacturers pay a premium price to put their products on shelves at eye level. This prime product placement zone is where the most expensive products are usually found. Fortunately, there's an easy way to avoid falling for this trick. Avoid that middle section! Pretty simple, right? The next time you go to the grocery store, force yourself to scout out groceries on shelves up high and down low; this is usually where the less expensive brands are displayed.

3: Setting up a Strategic Floor Plan

Many of us purchase the same essential foods like bread, milk and eggs. These foods are so common and so popular that grocery stores go out of their way to place them as far apart as possible. This way, they get the majority of their shoppers, like you, to canvas an entire store from one end to another to get a few key items.

But why? Their hope is that you buy more. When you've been exposed to more goods during your hunt for what you really need, you'll probably toss in odds and ends you didn't intend to buy that simply look enticing in the moment.

2: Reorganizing the Store Periodically

Another way food stores indirectly trick their consumers is to reorganize (or disorganize) products periodically. Entire food sections can shift from one side of the building to the other, sometimes as often as once a year. When stuff is in a different spot, clearly you can't readily find what you need. So, what do you do? Wander up and down aisles searching for the things on your shopping list. You see a lot of items that you wouldn't otherwise notice. Animal-shaped straws -- the kids would love them! A type of parsley not carried here previously -- perfect! Inevitably, you toss some of it into your cart. The store wins again.

1: Placing TVs at Checkout Points

It's not commonplace yet, but some food marts have started putting TVs at checkout lines. The effect is twofold. These screens expose you to product ads, perhaps prompting you to buy more stuff either during that store visit or the next time you shop. They also distract you. You're probably not as focused on making sure the cashier rings up items correctly. Nor do you notice that your child snuck a magazine or wad of candy onto the conveyor belt that just got scanned and bagged.

It's not hard to get sidetracked or distracted from the task at hand while grocery shopping. Sometimes, it's easiest to stay focused (and on budget) by simply sticking to your list and staying attentive at the checkout counter.


TIPS THAT I ALWAYS PAY ATTENTION TO & WANT TO PASS ON(by Leslie Pleasants):
*Meats: A lot of times you will see BOGO(buy one, get one free).  Take note on pricing.  Sometimes I have noticed stores raise the original price of the meat and then run this special so you are not actually getting that great of a deal.

*10 for 10:  You do NOT have to buy 10 to get the deal.  You can buy 1 and get it for just a buck.  :)  Just in case you didn't know.

*Buy 10 participating items get $4.00 off:  Pay close attention.   Some stores will run a couple of the similar adds around the store at the same time but you have to read the actual store ad.  Could be that one is only for a certain brand and another is for another brand.  So pay attention.

*Expiration Date:  Always, always check the expiration date.  You would be surprised how many items are close to be expired or already are.  If you see a sticker that says "Manager Special".. usually means its about to expire or it already has.  :(  If you ever go home and found out that you bought something that was expired,  take it back to the store with your reciept.  Pretty sure almost all stores should take them back or exchange.

Picture by Marc Plantec/Getty Images
Website Article http://tlc.howstuffworks.com/family/10-ways-grocery-stores-trick-you-into-spending-more.htm

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Thursday, August 18, 2011

Back To School Savings on lunches

When we hear Back to School shopping we immediately begin thinking about school supplies and a new wardrobe for our children - what about shopping for the items we will need to pack in their school lunches ? We search high and low for bargains on school supplies and clothes but have we stopped to think about the expense of packing lunches each day for our children and how to save money.
It is possible to save money on your weekly shopping trips for those lunch box items with the use of coupons.

Now you might be asking where do I find coupons to help me save money on my weekly shopping trips for school lunch items. Here are my favorite 6 places to find coupons for my weekly grocery trips

In- Box –Receive valuable coupons emailed directly to you when you sign-up with coupon websites and on brand websites of products you buy.

Mail Box –Don’t recyle your junk mail until you sift through I to be sure there aren’t any valuable coupons you could use.

Newspapers-Many professional couponers purchase multiple Sunday papers for additioan coupons to clip out. Get a weekly subscription to your Sunday paper.

Magazines – while reading your favorite magazines have a pair of scissors nady to clip out the many money saving coupons you will find in your magazines.

Grocery Aisles -on yoru next shooping trip be sure to check the isle of your grocery store for tear off couopns hanging in the aisles.

Social Media -Like on Facebook your favorite brands that you purchase and watch for special coupon savings for their fans.

Now with 6 ways to get coupons you can begin saving money on your Children's lunches this school year.

WIN: Share your back to school money saving advice below for a chance to win a $500 Back to School Shopping Spree from BlogFrog!

 SHARE : Want to exchange more tips and ideas with other moms about back to school topics such as healthy snacks, school supplies and saving money? Visit the Horizon® Healthily Families Back to School Community!

* This is a sponsored conversation written by me on behalf of Horizon. The opinions expressed by me do not necessarily reflect the view of the Horizon Organic brand.

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Thursday, April 15, 2010

Saving the Earth – and Money Too


by: Amy Hannold, Frugal Living Editor, 247Moms.com


Considering our Earth, in honor of Earth Day (April 22), we can make the best use of what we have in sustaining our daily lives, without creating more trash. Some of these ideas will save you money as well.

Don’t Toss It, Swap It!: There are a number of website where you can trade books, CDs, DVDs, and Video games that you have for ones that you’d like to own. For the cost of shipping the item you have to another member, an item you want will be sent to you. So clear out those boxes of unused media, and get ready to enjoy some new titles!


PaperBackSwap.com: Sister sites are SwapaCD.com and SwapaDVD.com

You can acquire credits through items you’ve sent to others, or by buying credits. “Storytime with Soldiers”, a donation program of PaperbackSwap.com, gives you the opportunity to support military families. Audio books and text books can also be traded here.


Swaptree.com: Swap CDs, DVDs, video games, and books

At this site, they offer you the opportunity to trade a CD for a DVD, in addition trading for the same type of media.


BookMooch.com: Swap books you have for books you want to read. Earn points by sending books from your bookshelf to others. Exchange points for books listed by website users.


Before You Hit the Mall, Hit the Streets: As the weather gets warmer, we begin to sort through our closets for what we’re going to wear. Already there are many great garage sales where you can find clothes fit for the upcoming sunny days. Thrift stores and consignment stores will also be turning their inventory for the changing seasons.


Make Friends, Refresh Your Wardrobe!: Coordinate a clothing swap in your neighborhood, community center, school, or playgroup. Recruit some help, categorize clothing and accessories by size/gender, and invite a large number of people. Collect donations of clean bags and clothing in advance of the event, so that you have inventory to greet your first guests. Donate the remaining clothes to local charities or shelters.


Pre-Cycle! Think about what you buy and use. How can you make more “Earth-friendly” choices? We prevent the need to recycle when we buy less packaging and reuse what we have. Read PlanetPals.com’s Earth Day 2010 Earth-Zine and learn “Top 10 Ways to Pre-Cycle”, along with other family fun and learning activities. PlanetPals.com is a great resource for teachers and homeschoolers too!:

http://www.planetpals.com/pp_magazine22.html

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Sunday, April 11, 2010

Top Money Saving Twitters To Follow





Are you a TWEETIN Mom? Twitter is the place MOMS are sharing their stories, ideas ,money saving tips and so much more 140 characters at a time.

Join the TWEETIN conversation and follow this weeks TOP 7 MOM Stores to follow and Top 7 Money Saving Tweeters to follow.


Top 7 Retail Stores To follow

@toysrus

@crazy8
@thechildrensplc (The Childrens Place)
@Kohls
@WalmartSpecials
@target
@OldNavy

Top 7 Money Saving Tweeters To follow
@couponmom
@thriftymoms

@coupondivas
@thecoupongirl
@bargainhntnmom
@cheeptweet
@momswhosave




Click here to follow @247moms

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Thursday, February 25, 2010

Getting Organized Makes Cents,

by: Amy Hannold
247Moms Frugal Living Editor

How many times have I said, “When I get the time, I’ll get organized?” If you’re anything like me, many times over. I’m here to tell you that small changes can save us big – in time and money. Think of the little, often repeated “back step” tasks you do as a part of your daily routine. Have you stopped to count up the time, money and/or energy you’ve wasted on these counter-productive steps?

Let’s take care of a few of those right now. Now, yes – believe me, you’ll reach those bigger goals much faster if you follow along with this today.

Maintain a positive attitude. Look for the “right” and “accomplished” in your life, no matter how small or mundane. At the beginning and at the end of your day, count your blessings and small steps in the right direction. You’ll survive life’s little off-tracks and sleep better when you choose a “glass half full” mentality. Keep a list of the prayers answered and needs met, as well as the deficits in your time or money. Realizing that things have worked out in the past will keep hope alive.

Be your own coach. Remember, science tells us that it takes 21 days to make a new habit. Just as you might for your kids, mark your own milestones in some encouraging way. Reward yourself at “quarter” marks along your journey. “Think 21”, and you’ll get there. Don’t quit. If you do stumble, pick yourself back up, refocus and move forward.

Write your goals and plans on paper. People who succeed write down their goals and plans. It’s one thing to think about it, it’s another to see it in writing. Plus, writing your goals in a notebook begins your new habit of putting your plans on paper – in one place, where you can refer to them for focus and reflection.

Now that you’re better motivated, let’s take a few affordable steps towards saving time and money.

Get a “go-to” notebook. A small, spiral notebook is the simplest form, or there are day planner notebooks and larger spiral notebooks. For those with technology at hand, become familiar with the organizing features of your smart phone or similar.

Devote a beginning page to your goals and your action steps towards success. Break your goals down into reasonable, inspiring steps. Don’t tackle “Organize my House”. Instead, go for “clean the coat closet” or “organize the freezer”. Give yourself a deadline, again reasonable and fair to your daily routine. Back pages of your notebook or planner can be the place to put your “2010 Goals”. Remember, your new habit of notebook life-planning will get you there!

Your “go-to” notebook replaces all those small, misplaced and left along the way lists. You’re saving time, saving money by putting your thoughts and plans all in one place. No searching, no starting over – and the best part is that you’ll have something to mark your progress at you get these things done. Keep your traveling calendar updated, including special days of yours and others. Integrate these details into your “to-do” list for each new week. Be ready for those days and have time to celebrate!

Once planning/daily task notebooks are full, remove irrelevant pages, keeping those of later-reference significance. Date the notebooks and file away.

A “Home Notebook” is the home-version of your “go-to” portable notebook. In this notebook, we are going to keep pages for website usernames/passwords, a list of our favorite breakfasts, school calendars/contact lists, and action forms for other major categories in our lives. Completed forms, as well as blank forms of the same, will de-clutter counters and increase free time.
Other life-changing organizational tips:

In the kitchen: gather appliance manuals into 3-ring notebooks. Gather all of those magazine and pamphlet recipes into one notebook. When you’re menu-planning, you’ll have one organized place to peruse through, instead of an avalanche. Once every week or two weeks, sit down to go over the recipes you’ve collected, making a grocery list (in your “go-to” notebook) to ensure you have the ingredients. Make a designated space for keys, phones, lunchboxes and library books. Toss duplicate kitchen tools and organize drawers – you’ll save time and angst when cooking.
Motivate the Team: Get your kids (and everyone else) a notebook – make getting organized on paper a team effort. Keep larger home projects in their own notebook. Each child could have a 3-ring notebook to hold their school and extra-curricular activities. Place their returned work in the back for mailing to relatives or using for wrapping paper.

Purses, Un-Cluttered: Multi-task and clean out your purse while on the phone, watching tv, etc. Find individual pouches for coins, makeup, first-aid/grooming tools, and snacks. In the car, keep a lidded box to toss unnecessary portions of your purse to alleviate weight and chaos when possible. (Your lidded box is a great place to store emergency extras of snacks, coins, kid-needs, etc.). Expensive convenience stores and labor-intensive “quick trips” to the store will become a thing of the past.

Magazines, Mail and Papers: Sort your mail once. Place “To-Reads” and short “To-Dos” in an accordion file meant for the car. Utilize a maintained counter file (or filing cabinet) for the “To-Files” and “To-Pays”. Shred and recycle the rest, now. When your kids bring home papers, follow the same sorting routine. Don’t let counter clutter accumulate.

Inventory, Inventory – and Record: Parents can best instill good organizational and money habits by modeling that we own what’s important to us, and we take care of what we own. Buy what you can reasonably store, use and enjoy. Remove those things gone unused, donating to fill a need. Inventory gift closets, freezers, clothes closets, food pantries, and supplies areas. When you’re short on something, add it to your shopping lists. When a need arises, go to your inventory lists instead of searching and re-purchasing. Kids will begin to do the same, and you’ll have less of their needs to find and re-buy time and again.

Add up all that time and money saved. You’ve created less stress, more accomplishment and “earned” a whole lot of resources you’d otherwise waste by neglecting your goals. Congratulations, go and celebrate with some much earned family or “Mom-time”.

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Thursday, January 28, 2010

Saving Money at the Grocery Store: Without Coupons


Amy Hannold, FamilyTimeandMoney.com

Buy the produce that is on sale: Put seasonal produce on your menu. You can glance at the price of frozen produce to compare, but usually seasonal is cheaper.

Buy produce in bulk: Buy 5 pound of carrots, peel and slice them yourself. You’ll get more for your money. Peel and slice them in large quantities, packing them in separate bags for a few days of lunches. If you’re concerned about wilting, store them in a shallow, covered box of cold water in the refrigerator.

Farmer’s Markets, Fruit Stands, and U-Pick (when available). When you pick and freeze your produce, it’ll be a blessing through the winter. Find a friend who has fruit, or knows where to find it in your community. Barter with them and perhaps you can strike a deal for something they have stored in their freezer.

Meat Department: Here’s where a whole lot of our grocery dollars go. Whether you are a meal planner or not, you can save money when you buy more than one portion of the meat that is on sale. When chicken is a deal, buy enough for two weeks. Cook one, freeze one for next week. Buy meat in larger packages. Ask your store’s meat staff for assistance in transforming larger cuts of meat into individual, freezer-friendly portions. While they’re slicing your purchase, ask them for a new preparation idea – you’ll be bringing home value and variety for your money. Once you’ve found out when they markdown their meat, plan a visit and buy what you can, for less.

Loss Leaders: Grocery stores compete and catch attention with the items they put on sale. Loss leaders are the items which are featured at a considerable discount, which “leads” shoppers to their store for all of their grocery shopping. It’s no deal to drive to store to store for all the loss leaders, so choose a store which offers the greatest amount of savings for you this week.

Shoppers Savings Strategy: Overall, your goal is to buy what you need at the lowest price. When you buy on sale, buy enough (within your budget) to last you until the next sale. Sales typically rotate in a 13-week cycle. When you buy on sale, you save yourself more expensive (and inconvenient) purchases between sales.

Find Grocery Deals, Create a Shopping List, Compare Nutritional Information and Save Money:

MyGroceryDeals.com is a free, shopper-friendly website which leads you through the process of finding the best deal, for the items you want. Dietary and allergy considerations can be input into your profile. You’ll receive email alerts when updates corresponding to your shopping interests are posted. If there are online coupons available, you’ll be given the direct link.

http://www.mygrocerydeals.com/index.cfm?fuseaction=site.dspHome

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Sunday, December 13, 2009

Safe Online Shopping


Are you an online shopper? During the Christmas season I tend to shop online more than I do the rest of the year for 2 main reasons -
1. Time - I save time not driving from store to store looking for the needed item. With online shopping I can easily search many sites in minutes to find what I am in need of.

2. Money Savings - I can quickly compare prices while I shop online as well as find coupon codes and free shipping offers.

The big question is how do I shop online safely?

The Microsoft team of “browser moms” has put together a video to raise awareness of online shopping safety and privacy along with the tips below.



Holiday Online Shopping Tips:

1. Always be Prepared – Before you start shopping, make sure you’re running the latest and greatest technology. You can keep all your software current with Automatic Updates, and click here to ensure you’re running Internet Explorer 8.

2. Stand Up for Yourself – We want to make sure you have the best defense. For online shopping, this means using firewall, antivirus, antispam and antispyware software. For an added layer of antivirus protection on your PC, you can download Microsoft Security Essentials for free or find other antivirus solutions.

3. Look Both Ways – Online, you need to be aware of phishing scams and malware. By default, Internet explorer 8 runs its SmartScreen Filter to block and warn you of malicious software or phishing threats.

4. Expect the Unexpected – In addition to the usual bullies, there are new methods for criminals to get your personal information online. Internet Explorer 8 helps protect you against these types of attacks as well.

5. Only be Friends with Kids on the “Nice” list- Internet Explorer 8 helps you avoid deceptive Web sites that may trick you with misleading addresses. The domain name in the address bar is highlighted in black to help identify a Web site’s true identity.

6. Don’t Gossip, Keep Your Secrets – When you’re shopping for a surprise gift (or helping Santa with his list), it’s a good idea to use Internet Explorer 8’s In Private Browsing feature – it ensures your browsing information is not left on your computer – so your tech savvy child or spouse can’t dig up your past purchases.

7. Follow the Signs – When you’re shopping online, make sure your payment websites uses encryption. There are three indicators to look for to confirm this:
a. An “s” after http in the Web address – it should read https:
b. A tiny closed padlock in the address bar, or at the lower right corner of the window.
c. If you’re running Internet Explorer 8, look for a green address bar as a sign of trustworthy web sites.

8. Don’t Talk to Strangers – Never respond to unsolicited requests to update your account information. These email messages could be scams used to steal your identity. Most legitimate companies never send unsolicited email or instant message requests for your passwords or other personal information.

***Microsoft has partnered partnered with eBay to give moms an incentive to move to the safer IE8: http://www.microsoft.com/presspass/press/2009/nov09/11-25ie8holidaypr.mspx

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Thursday, November 26, 2009

Saving Money for Black Friday, Cyber Monday, and Everyday!


Amy Hannold of FamilyTimeandMoney.com

Black Friday Sites:

Black Friday at Gottadeal.com: Offering the when’s and where’s of shopping now, through Black Friday.

http://www.blackfriday.gottadeal.com/

Black-Friday.net: Features a “Create Your Own” Shopping List, ad updates by email and more

http://www.black-friday.net/

Online Shopping “Get Your Discount Here” Sites:

*Dealio.com: Black Friday, Cyber Monday, and a Gift Guide. Dealio features a product comparison tool, online coupons, coupon codes, and more. http://www.dealio.com/

*CouponSherpa.com “Reliable coupons, as voted on by consumers”. Find your online coupons, coupon codes, or find a store which offers free shipping. Ask your shopping questions and get answers with the “CouponSherpa Blog”. Discounts are categorized by item, store, and other search terms. Coupon Sherpa offers a Mobile Coupons feature. http://www.couponsherpa.com/

*Pricegrabber.com: Get your IPhone App here! Mobile Price Comparison Tool ; you’ll know where to buy what you’re looking for at the best price – even on the go! Product Reviews and Ratings, a featured “Deal of the Day”, “Shop Green Guide”, Rebates, Online Discounts and more. http://www.pricegrabber.com/

*PriceSpider.com: With free registration, you can receive price discount alerts for the items you’re shopping for, found by their web crawler. Consumers share reviews on products and retailers. Be an informed shopper with their great many user-friendly tools.

http://www.pricespider.com/

*Retailmenot.com: Get the money-saving scoop on printable coupons, grocery coupons, and many online discounts, “Today’s Best Deals”, Top Stores, Black Friday sales, and Cyber Monday Sales. Retailmenot.com is “people-powered”, offering shoppers the opportunity to share coupons they’ve found and their shopping experiences.

http://www.retailmenot.com/

*Cellfire.com: Digital coupons; “No Clipping, No Printing No Forgetting” coupons for groceries, dining, shopping and entertainment. From Cellfire.com, you can load grocery coupons onto your participating grocer rewards card and load non-grocery coupons onto your cell phone.

http://www.cellfire.com/

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Thursday, October 22, 2009

Websites For Bargains, Books, Homework Help:



By:Amy Hannold, FamilyTimeandMoney.com


When you want to know where everybody else is scoring a good deal, look here:

BargainMama.com:

http://www.bargainmama.com/

Deals, Money Saving Tips, and More about Being Cheap but Chic

A bargain mama's blog about how she saves money and finds bargains. Twitter updates, blog, and more.


Bargainsit.com:

http://www.bargainist.com/

Updated daily, this treasure trove of money saving information includes freebies, coupons and a free daily email. Sales are listed by store, category, and by the “Latest, hand-picked deals, sales and coupons.”


When you want to find a book, CD, or DVD –

and you have some you’d like to swap for them:

Paperbackswap.com

http://www.paperbackswap.com/index.php

Register here and list the books you’re willing to send to someone else. You can purchase book credits, or earn them for mailing books to other members.


Bonus: Cash for Your Books! Check Out Cash4Books.net:

http://www.cash4books.net/?gclid=CNij6Zb20J0CFSUsawodxFFjrg

Type in the ISBN of the books you have. If they are worth cash from Cash4books.net, box ‘em up, print a free shipping label – and then, you’ll get cash!


Help for the Homework:

Factmonster.com:

http://www.factmonster.com/

Colorful, Fun and Fact-packed website on every homework topic. Get quick, useful information on the subject your student is studying. Links to online almanac, dictionary, thesaurus, and encyclopedia. Games, quizzes, and features on kid-popular current favorites.


This Week’s Thrifty-MOM Holiday-Prep Tasks:

Talk with your family, friends and extended families about this year’s “gifting plans”. If there are names to be drawn, spending limits to determine, etc. – get those decided now. Share information such as likes/dislikes, favorite colors, home décor theme, etc. (Note all this down in your notebook!) Then, begin to form a gift-giving list. Inventory your home gift closet (or start one!). Set an upcoming date to gather to work on those homemade gifts too!


Holiday Fun Task: Start the conversation with friends about their holiday traditions. Create an email letter, Facebook post, or simply get together to share these ideas. As a family, pick one or two “new-to-you” traditions to try this year. Transfer the list of supplies to your upcoming shopping list.

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Saturday, October 17, 2009

Money Saving Halloween Tips


By: Lisa Reynolds, Mom Saver in Chief with RedPlum

Costumes: Here are some do-it-yourself costumes that can be created in 30 minutes or less and they’re almost free to make.
*A Bunch of Grapes: With just a bag of purple balloons, a bunch of safety pins and a purple sweatshirt your kid is on their way to grape greatness.
-The time consuming part of this costume will be blowing up all the balloons you will need to cover the front and back of your little guy’s shirt.
-Carefully pin the tied-off portion of each balloon to the sweatshirt. To take it a few steps further, hunt for purple pants or leggings in your kid’s closet and think about dabbing on a little purple face paint.

* Bubblegum on a Shoe in 15 Minutes: This is able to be accomplished in 15 minutes with $0-$20.
-The project starts with finding a headband and a flip-flop you don’t mind sacrificing.
-The shoe gets glued sole-side-down on the headband, which gets painted pink.
-Add an all-pink outfit and an optional store-bought pink wig or a can of temporary pink hair spray and you’re through—one gigantic piece of pink gum stuck to a shoe.

* Dora the Explorer in 5 Minutes: Dora’s one omnipresent explorer, who even kids without regular TV access seem to somehow know and love. And she’s perhaps TV’s easiest star to imitate. This costume will require the purchase of a black wig, but any one will do. When you get it home you’ll quickly cut blunt bangs at the front of the wig and trim the rest into a bob. The rest of the costume consists of red shorts, green socks a pink shirt and a purple backpack. A toy monkey sidekick is optional!

Candy: Make sure to check out your favorite online coupon sites, like redplum.com, to find coupons for your Halloween candy.

Invitations: Put some thought and creativity in your invitation to spark your guests' creative side and build anticipation about your party. Make costumes a must, and promise prizes for the best ones. Take a trip to the local dollar store (a great source of Halloween decorations) and buy some witches' fingers or severed hands. Print up your invitation in a spooky font, punch a hole in the paper and use string to tie it onto the finger, or a finger on the hand.

Lighting: Replace many of your regular bulbs with black ones and line your walkway with miniature jack-o-lanterns.

Decorations:
- Cover helium filled balloons with pieces of white cloth for the illusion of floating ghosts Draw eyes with black marker.
- Create the look and feel of an abandoned old house. Cover the sofas, chairs, dining room table and all other large furniture items with old white sheets. This will give your party space an abandoned look.
- Fog: Place dry ice in a container of warm water. Simply set on floor next to the wall and be sure to keep small children away from ice.
- Ask each of your Halloween party guests to bring a carved pumpkin to the party. Set up a special table with a Halloween tablecloth to display all of the Jack O' Lanterns for all to see. This will also enhance your party décor. Give a prize for the best one.
- Use clear plastic food handlers gloves to make "ice hands." Adding these to your punch bowl will keep it chilled for a long time and look creepy. Use punch instead of water and as the ice melts, it won't water down the punch bowl.

All of these items can be packed away and re-used for next year, or given to a friend for their Halloween party.

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Thursday, October 1, 2009

Updating Your Fall Wardrobe the Frugal Way


Second-Hand Shopping Tips and Links; Finding Great Items, For Less – and how to make cash too!
Amy Hannold, FamilyTimeandMoney.com

Shopping resale can be a great way to find items you need, at an affordable price. Look in your local yellow pages, or search online on websites such as:
http://www.consignmentshops.com/
http://howtoconsign.com/find.html

Online, you can search for regional websites which will lead you to the best of consignment shopping. To find local stores, simply Google your city, along with the words “second hand shopping” or “consignment stores”. (www.local.com is another place to find local shops) One example, which offers tips for all shoppers, is the “Second Hand Shopping Guide” for the San Diego area:
http://www.bargainlink.com/

When shopping for baby gear or household items, be aware of product recalls. An easy resource to refer to is offered by the Consumer Product Safety Commission:
You can search for product recalls by date, type of product, company or product description:
http://www.cpsc.gov/cpscpub/prerel/prerel.html

Secrets of Second-Hand Shopping! Increase your Second-Hand Shopping Savvy; Kate Holmes, an industry icon who mentors consignment retailers, offers these tips:
http://howtoconsign.com/journalsavvy.htm
Ms. Holmes also offers tips on second-hand shopping at “Too Good to Be Threw”:
http://www.tgtbt.com/consumer.htm
How to Consign; Turning your items and clutter into cash:
Howtoconsign.com also offers you easy to follow tips on selecting and preparing items you may want to consign:
http://howtoconsign.com/spiffy.htm

Want to Shop With Consignment Fans? Some areas offer “Consignment Bus Tours”. This may be something you can research before a vacation or day trip. (Always research great, local shops before you take that next getaway). Here’s an example of Consignment Chick tours:
http://www.consignmentchic.com/

FreePeats.org: Baby Gear, Maternity and Kids Stuff: An online community growing in popularity which serves families looking to get the gear, for free! (A $4.95 lifetime membership is required).
http://freepeats.org/

Find a thrift store near you, and more!: Links to product manuals, national thrift store chains and charity resale shops can be found here:
http://www.thethriftshopper.com/

Other sources for buying clothing and other items, for less:
Find a Yahoo Group in your area which offers “free classifieds”. You can join these groups, subscribe to the posts, and find good stuff. Listing items you “WTB” (Want To Buy) gives you the opportunity to let your neighbors know what you’re looking for.

Neighborhood newspapers often times offer free or reduced rates for classified ads. Find these publications and you may find a great deal! Selling items through these newspapers can bring in extra cash.

Freecycle.org
, if you’re not familiar with it already, is a place to give and get items – for free! Help someone with their needs, or find items for yourself. You may make a new friend or two as well!

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Thursday, September 17, 2009

Thrifty Cleaning Series


How to Clean With Less Chemicals, Spending Less Money
Amy Hannold, FamilyTimeandMoney.com
Making a transition from purchased cleaning products to more affordable, less toxic options is possible. Keep in mind that homemade versions may not work as well as the commercially packaged products, and you must know what you’re using – and how it mixes with what you’re cleaning. Begin your changes slowly, investigating the possibilities and trying your new mixes with an experimenting-spirit. As you become more versed in using homemade cleaning solutions, you will very likely save time, avoid common toxins and spend less money.

When researching this topic, the other tips I found repeated often were:
*Purchase new spray bottles and other sealable containers for your homemade cleaning mixes.
*Label the cleaning solutions clearly, and keep a notebook (or file) of your successful recipes so that you can duplicate them easily later.
*Maintain the same baby-proofing precautions with your homemade cleaning solutions as you would with commercial products.
*Essential oils and other ingredients may become as costly as commercial concoctions. Work with your friends to purchase them in bulk together or at least share when possible.
Baking soda, as you may have heard, is not just for baking. As a kid, my mom always had us dip our toothbrushes in baking soda, now they have made Arm n Hammer baking soda toothpaste. I guess Mom had the right idea! Many products, following the trend of frugal and more natural cleaning, are boasting that they contain baking soda. Baking soda is very affordable and can cut many costs of maintaining your home. Make-Stuff. Com has a list of “Sixty Uses For Baking Soda”: http://www.make-stuff.com/cooking/baking_soda.html.
Vinegar is another more affordable product to use for your homemaking needs. It’s not just for pickles, anymore! As you’re gathering in fall apples, did you know vinegar will help deter the fruit flies? Mixed with other common ingredients such as olive oil and lemon juice, you can freshen up your home. Here is a list of “Vinegar Tips”:
Salt, I read is another wonder-product which can do more than season – it can clean, freshen and solve several kitchen conundrums. Now, take it “with a grain of salt” (Trial and error is the spirit), but here are “Sixty Uses for Table Salt”, by BellyBytes.com (check out their long list of healthy recipes too!):

Housework won't kill you, but then again, why take the chance!
--Phyllis Diller

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Thursday, August 20, 2009

Thrifty Grocery Shopping 101

This week Albertsons offers a great opportunity to illustrate the value of shopping with coupons. Grocery store chains offer their own promotions, in addition to national manufacturer campaigns. Get familiar with the ones in your community and you’ll maximize what you can get for your money.
Before you can take best advantage of grocery store sales, you have to have the tools.
Efficiency in coupon use is the determining factor in how successful you will be in saving money. Invest a little time and money into coupon storage and organization. Your efforts will be more profitable when the coupons you need are easily accessible.
At home, designate a filing cabinet drawer with hanging files, plastic hanging file storage box, large shoe box, or expandable accordion-style file to store coupon inserts as you receive them each week. Gain extras from family, friends, playgroups, recycling centers, etc.
Each week, go through the coupon inserts. Clip coupons of products that you use often. File them in your portable coupon file. (We’ll discuss these in a future post). Keeping coupons close to you for items you use often will prepare you for unadvertised sales or last-minute, rushed shopping.
Mark the insert cover with the date. Label the hanging file (if you’re filing the inserts) with the date, and the insert distributor. Example: “8/2 S” would translate into August 2’s SmartSource Insert.
To match coupons with what’s on special this week, there are several bloggers and website out there that can help. Each week, they let you know where the savings can be found, and how to match the coupons with sales- maximizing your savings.
Some of the best bloggers and money-saving sites out there are:
These websites offer forums and updates which direct you to the use of your coupons in conjunction with current sales. You can subscribe to their websites, and in time for grocery store shopping preparation, you will be sent updates. You can purchase this information, sent directly to you, from “The Grocery Game” and others. I find that with the amount of excellent bloggers out there, who work hard to help us, that I get all I need – and more without the need for a subscription. The Grocery Game would be useful to those that have limited time or perhaps beginners to this “sales-matching” process. The Grocery Game also requires that you have some of the larger grocery store chains in your area, and depending on where you live, its value will vary.
At the money-saving websites or blogs, find the forum or list of the stores you frequent.
You will read the best that the writers have found, and often times input from other shoppers as well.
The website entries will detail and clearly illustrate:
Current Sale price and promotions
Coupon’s to use to “better” the deal. This will include the publish date of the coupon insert (example 8/2 SmartSource), the discount the coupon will give you and a link to print a coupon if necessary. This is the detail that makes matching coupons to deals a snap!
The price you will pay, after coupons and promotion/discounts are listed as well.
This week’s Example:
A few days ago, I received my update from A Thrifty Mom. Post Select Cereals are on sale at Albertsons. She informed me that we can get a real thrifty deal when we combine Albertson’s “Buy 4; get each box for $1.50” promotion with recent insert coupons. There is a $1/2 coupon in the July 26th Smartsource insert that will bring the price of each box down to $1 each. Post Cereal and South Beach Cereal bars are included in this deal. A bonus “Catalina” coupon (printed at the register following your payment) will print beginning Friday, when you choose to purchase the Post Select variety. Purchasing two boxes of Post Select variety will net you a $1 Catalina OYNO (On Your Next shopping Order) coupon. For every 3 Post Select boxes you buy, you will receive $2 OYNO and when you purchase 4 boxes of Post Select, you will receive $3. OYNO coupons are good for anything you want to buy in the store, with few restrictions. If you want to get more of these when you purchase additional sets of 4 cereals, be sure NOT to use the ONYO’s that you received from this Post deal. The smart computer will detect the use of the OYNO, and not give you any more. Use OYNO’s for the “bread and milk” items you need to purchase.
It really can be done, that simply:
Get the inserts
File them (or at least stack them chronologically in your large shoe box)
Refer to the money saving sites
Make your list
Clip n File your Coupons in your Shopping Coupon File(divide by store, to make it easier)
Go shopping as an informed, prepared and thrifty shopper.
Impress yourself and your fellow shoppers!
There are other things to consider when couponing and determining what you will buy each week. New tools, such as “clipless coupons” and other advances in technology offer further ease in saving money. There’s a lot to learn, but take small steps every week. Learn and grow with your thrifty shopping. Find a friend or two with whom you can work as a team to share information.
Whether you meal plan, choose your shopping list by what you already have on hand, or other planning tools (which we’ll detail in future posts) – these websites can offer you a wealth of additional information on how to cut everyday costs. They really do make couponing easier, and dare I say, even more fun when you join the networks of many other thrifty shoppers.
Send us your couponing questions and any obstacles you face in saving money. We’ll help you find the answers.

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