Saving Money with Your Morning Coffee

I've given up "coupons" for AD MATCH!

You can still save money with coupons, clipping, pricing, checking prices usually "brand name" products sitting on the shelf next to lower price store brands is it really worth it?

To save money not just on grocery shopping but major purchases I've gone to ad matching.   Over my morning coffee I  check the weekly grocery ads finding items I NEED, making my list and preparing to save a lot of money.

Here is an example I use every day:  

Milk is usually priced at $2.59 a gallon, but it is advertised almost every week by the major chain stores for $1.79 to $1.89 a gallon.  Simple savings on ad match of 80 cents per gallon, four gallons a week is over three dollars..  Another one that keeps coming up lately are eggs.  Must be the price of feed, I see $1.59 to more a dozen for eggs. However watching the weekly ads, I see specials on eggs at 88 to 99 cent a dozen.  A savings of over a dollar on two dozen eggs.  

There you have the picture, just remember like comodities, brand name to brand name or store brand to store brand.   On meats value pack to value pack .  I find some stores are even ad matching deals like 10 for $10, "mix and match" products.

Finding "ad match" merchants takes a little more effort, but well worth the time.  The big promoter and ad match advertiser of course is Walmart, however other stores ad match, just ask!

UPDATE:  

WALMART NO LONGER HONORS AD MATCH

No matter what you are needing to buy from household products to major appliances, know who sells it, and who offers price matching.  When you start asking around you will be surprised at the number of retailers do ad match.

A twist to ad matching, some merchants match prices if you bring them a competitors ad within a period time after you have purchased the from their store.  This works well with major appliance purchases or home improvement materials saving major dollars.

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Another number of stores only match prices for online purchases.  Check before you buy office supplies, Staples, Office Max and Office Depot are highly competitive online.

Others worth checking for their ad match policies, JoAnne Fabrics, Michael's Arts and Crafts, Hobby Lobby, Sears and JC Penny.

You can still find savings with coupons....OH YES!...Rebates!  Price matching is easy daily, with your coffee or hot chocolate and cereal in the mornings.  Never forget additional senior or military discount days.  

The important thing is remember to ASK!

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Money Saving Tip - Buy in Bulk {update 1/04/2018}

Today's great money saving tip is....

Buy in Bulk:

It is true that warehouse shopping can save
a lot of money.  The price of items in bulk is
generally much less than if you buy the
product individually.

Even if you have a small family, you can
always split up large quantities between you.
If you are single, you might go in with friends
or neighbors on certain bulk items.

Especially when it comes to purchasing
non-perishable items.  Here are some great
items you may want to purchase in bulk.
They include gift cards, toothbrushes, paper
goods, cell phone minutes , blank DVDs,
light bulbs and certain cleaning supplies.

Just be careful not to load up your cart with
non-essential items, even when you're tempted
with a fantastic deal and you will be sure to
save a bundle at your local warehouse club.

Harvey Akeson

harvey@harveyakeson.com

http://A1MoneySaver.blogspot.com

EXTRA TIP When shopping carry a marking pencil or colored stickers to mark items on sale, in store specials or discounted specials. Sometimes early in a sale or special mark down the store scanners haven't been reprogrammed or programmed in error. Make sure you get the price you were expecting, not yesterday's price before the sale.


EXTRA TIP Free newsletters and publications are an excellent way to keep up with the latest "special deals" and advice. Lots of money saving ideas and specials found no where else may be found in special publications. Subscribe

In order to take advantage of bulk or large quantity packaging share purchases at Costco or Sam's Club with family members or neighbors. Plastic bags, such as zip lock, trash or garbage bags, case lots can be divided and often times save you money without purchasing over supply for one household.

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Costbuys is a new spin on discount shopping online that aims to take the stress out of placing your household orders. No fancy buttons your kids might touch to accidentally order things, no required apps or social connections. Costbuys keeps it simple with great discounts on the products you use every day.

With your free Costbuys membership, you’ll see instant savings ordering in bulk with consumables shipped direct to you. You’ll also gain access to the Costbuys community, where your input matters. You’ll help other customers discover new products you’ve grown to love, and you’ll have a wishlist for the basics at an online shopping website anyone can order from.

Buying in Bulk

Costbuys is a little different than the average Web shopping experience, and it requires customers to think about their pantries and their homes a bit differently. With Costbuys, customers get a discount online when they place orders for larger quantities. Utilizing bulk discounts and free shipping, the company is able to ship products direct to you for prices you won’t see at your local market.

Merchandising Tricks Designed to Fool You {Update 1/03/2018

Beating the "Hard Times" in daily 
financial affairs with Money Saving 
Tips are a positive on folk's bank 
accounts, but not the ONLY way 
to protect our money.

We encourage "Comparison Shopping" ,
learning patience, giving us the opportunity to
exercise good judgment and time to study
solid choices, are a good part of saving money.

At the same time we need to be aware of a few
"tricks"  or practices that trap consumers into
making bad choices when buying.

Zero Interest Rate...is No Bargain if too much
is paid for an item.  Research has shown when
people are paying in Cash as opposed to credit
with zero interest rate they tend to spend less
and are more cautious of price.

Watch and be very careful of meeting all
the terms of a zero interest purchase or you will
end up with a higher price and penalties that are
more than what the interest would have been
f purchased on credit.

It's like being late on a credit card payment
with a huge penalty and an increase in the
interest rate on the remaining balances.

Manufacturers' Rebates 

lure buyers to certain brands and most 

often are the deciding factor in making 

purchases. Studies show less than half 

of all rebates are successfully redeemed.

                                   
One clever little trick is manipulating 
redemption dates, "claiming the rebate 
15 days or more after the purchase and 
then with a rebate window of 10-14 days".

Another method of creating "slippage" 
of rebate dollars is sending the rebate 
checks in envelopes specially designed 
to look like "junk mail".  Many bulk pieces 
of advertising are discarded without opening.

Smart Shopping Includes Checking prices 
for incorrectly programed store scans at 
checkout registers.

TIP:  Remember when you are shopping take 
a marking pencil or colored sticker to mark 
special shelve marked prices or other specials. 
It will make it easier to watch the price on the 
cash register screen at checkout.


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Money Saving Tip - Dollar Stores {update 12/21/2017}

Today's great money saving tip is....

Dollar Stores - 99 Cent Stores
(Free advertsing for them, my thank you.)
Hit the dollar store first and you can save a nice
chunk of change on everyday item like laundry
detergent, deodorant and large selection of your
brand name favorites.


At first glance you might think that most items
at the dollar store are of low quality but have
you visited your local dollar store lately?
Chances are that you have more than one
dollar store in your area including Dollar Tree,
Dollar General or Just A Dollar. You might be
surprised at some of the great deals and
bargains you can find.
The merchandise changes weekly
and sometimes you can find better deals
than other times so it pays to shop often.

Watch for everyday grocery and drug items at BIG Savings.

Money Saving Tip - Planning {update 1/03/2017}

Today's great money saving tip is....
Plan:
Planning is a great way to save. Before you go to
the grocery store, make a list and stick with it.
Plan your meals in advance so that you don't end
up forgetting ingredients and making extra trips
to the store.

If you're considering a vacation, plan everything
in advance. Look online for the best travel deals
on flights, rental cars and hotel.

Sometimes you will get an even better deal if
you book everything you need all at one time.
If you are going to a resort or theme park be
sure check out the meal plans, they can
sometimes save you more than 30% on your
food costs.

Heading out with no set direction will certainly
lead you to impulsive spending. Plan to cut
expenses wherever you can and lower expenses
in other areas. Totally eliminating something
often saves a lot of money. Cutting back may
save even more.

Harvey Akeson
harvey@harveyakeson.com
http://A1MoneySaver.blogspot.com

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LAZY READER?

Money Saving Tip - Coupons {update 1/02/2017}

Today's great money saving tip is....
Coupons:
Okay, maybe you used to laugh as you watched people pull out
their coupons at stores but the truth is that using coupons can
save you hundreds of dollars every year.

{Personal Recommendation from experience}
Coupons can be used at grocery stores, retail chains, any store
where the item is sold. Some stores offer double coupon days,
which is an extra bonus. On average, you could easily save from
5% to 15% on a bill for $100 simply by presenting a coupon.

Coupons are not just for food items and by scouring your local
newspaper you can find coupons for all sorts of merchandise.

Extra Tip: Organize your coupons and share and exchange 
coupons with others.

DOUBLE DIP  By organizing your coupons you can be watchful
for manufacturer and store coupons using them both on a single purchase.
Hold on to manufacturer coupons until your store offers coupons for
the same products and receive an extra "cents off" your favorite products.

Harvey Akeson
harvey@harveyakeson.com
http://A1MoneySaver.blogspot.com

Thrift Stores-Personal Story

Look at the money we saved!

Today's great money saving tip is....

Thrift Stores
Here is a personal tidbit of my own experience and another reason in addition to finding great values at bargain prices at "thrift stores" you can find "out of date" treasures.

When my wife and I travel by car to our summer place four plus hours from our home in Tucson we like to listen to audio books. Over time our family members have collected a number of prized cassette tapes including several audio books. While our RV has a cassette player our new car has only a disc player.

We started shopping for a cassette player or boom box that we could plug into the car and listen to the many cassette tapes we had collected over the years. Lesson number one: just like not getting up to change channels on your television anymore, times have changed, cassette players are not that available today.

About our third stop looking for a reasonable priced answer to our problem, a kindly gentleman over-hearing our conversation suggested the possibility of finding our answer at a thrift store. What wasn't resolving our problem at our regular retail stores was found at a thrift store. A player for our "old fashion" cassette tapes.

Unfortunately, thrift and surplus stores have
been given a bad rap. Many of these stores are
filled with hundreds of top quality items.
Name brand merchandise is easy to find but just
like clearance racks, it takes some time to find.

Find a thrift or surplus store close to where you
live and then plan spending some time to find
those outstanding bargains.  Thrift stores sell
brand name clothes for only a few dollars.
Just imagine your joy when you get a
Liz Claiborne suit for $5.99 or a set of Callaway
Golf clubs for $25.00. Not only is it fun to find a
great bargain and a creative way to save money,
it is also a good way to practice recycling!

Harvey Akeson
harvey@harveyakeson.com
http://A1MoneySaver.blogspot.com

Check Out Our New Arrivals and Seasonal Items! Shop DollarTree.com Today!
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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Money Saving Tip - Recycling

Today's great money saving tip is....

Recycling:

You will be amazed at how much you can stretch your monthly
budget simply by reusing and recycling many items you would
normally just throw away.

When you do your shopping, look for items that can be reused.
Rechargeable batteries are a perfect example. Even though the
initial purchase may be more than non-rechargeable batteries,
there is a definite savings over a long period.

Here is another one that you may not have thought of. After your
fabric softener sheets have gone through the dryer, don't throw
them away, you can use them for dusting. They work great!

Recycling takes a little extra time, but there are many ways that
you can combine recycling and saving money. Just do a quick
search for "save money recycling" and you will find hundreds of
great tips that will save you money and help the environment too!

Harvey Akeson
harvey@harveyakeson.com
http://A1MoneySaver.blogspot.com

SO SIMPLE: Get your best deal off-season. Shopping for winter clothing in the summer and for summer items in winter when bargain prices prevail.

Right after Holidays, stock up on next year's Holiday merchandise...Big Savings!

Money Saving Tip - Pay Yourself First

Today's great money saving tip is....

Pay Yourself First.

Savings should be your priority, so don’t just tell yourself that you are going to save whatever is left over at the end of the month.

Make it a rule to deposit savings into an account as soon as you get paid. An easy, effective way to start saving is to simply deposit 10% of every paycheck in a savings account.

For instance if your paycheck is 710.00, deposit 71.00 of that
directly to your savings account. If your check is automatically
deposited you can set it up through your bank so that a specific
amount goes directly to savings. This works well and requires little thought; over several years, you've a tidy sum in savings. Over
decades, you'll be a millionaire.

Harvey Akeson
harvey@harveyakeson.com
http://A1MoneySaver.blogspot.com

EXTRA TIP
Keep paying bills, but into your own savings account.
Let's say you paid off a debt, credit card, auto loan, furniture...
Keep making the payments, into your savings account.
Check around for higher interest Certificates of Deposit,
free banking possibly with direct deposit.

A Penny Saved is a Penny Earned....well not really unless you plan out a steady investment plan and then don't spend it all on investing. Here is a really Low Cost Monthly investment tool, that allows you to invest in small amounts on a regular basis and reinvests the earnings for you automatically.

Money Saving Tip - Wrapping Gifts

Today's great money saving tip is....

Wrapping Gifts:

Giving gifts isn't cheap. These days you can spend almost as
much on the wrapping paper and bows as you do on the present.

One way to save a little money is to create your own wrapping
paper, which is not only unique, but also fun. You can use simple
brown grocery bags or a roll of inexpensive craft paper with some
paint or markers to make your design. Better yet you can let your
kids do the designing , which will make it even more special and
they will have a blast.

Here is a quick idea for a boy's gift:

Using black and yellow paint or markers, create a miniature road.
Then dip a toy truck tires into red paint roll them along the paper
making tire tracks. You can then draw free hand a stop sign, yield
sign, or stop light. Next, using a hot glue gun, glue a couple of the
miniature trucks to the paper. Any young boy will be just as
thrilled with the wrapping as the actual gift.

For a girl, you can simply create miniature bows from existing
fabric or lace and glue them on brown paper then free hand
draw colorful flowers. Just use your creativity and look around for
items you already have on hand to use.

Harvey Akeson
harvey@harveyakeson.com
http://A1MoneySaver.blogspot.com

Money Saving Tip - Holiday Gifts

Today's great money saving tip is....

Holiday Gifts:

This tip is especially helpful for large families. Although it is fun
buying for and receiving from everyone, it can be very expensive.

When you budget is tight try make an agreement with your family
that you will continue to buy for the children, but that the adults
will go with a name exchange.

This way the children are not disappointed and you can spend
a little more on one or two people rather than spreading your
money thin. For the members that you did not pick to exchange
with, bake a loaf of their favorite homemade bread or cookies.

The holidays are about finding joy, while spending time with each
other. Focus on that and everyone will be happy!

Harvey Akeson
harvey@harveyakeson.com

EXTRA TIP This Holiday Season look for merchants
that have a "Layaway" plan.
There are several great reasons to use the
old-fashioned practice of putting merchandise aside and making
regular payments until everything is paid off. This is a
great way to do holiday shopping without building up credit
card balances thereby saving on debt interest. Check your
local stores for their policy, see if "SALE" merchandise
can be put in Layaway, how long you have to pay for the
merchandise and at what weekly payments. You won't need
the presents right away and this gives you a safe place
of storage out of prying eyes while enabling you to take
advantage of a special price and making payment without
interest.
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Money Saving Tip - Financial Counseling

Today's great money saving tip is....

Financial Counseling:

Many financial companies and even churches offer outstanding
classes on how to manage money. While some of these
programs are free, others may have a nominal fee of around $35
to attend but the money is well spent.

Another great option is consumer-counseling services. This is a
great option for people in over their head with debt. The
counselors will work directly with your creditors to lower your
balances, interest rate, and establish workable payments that you
can afford.

Harvey Akeson
harvey@harveyakeson.com
http://A1MoneySaver.blogspot.com


A Penny Saved is a Penny Earned....well not really unless
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Money Saving Tip - Saving Money

Today's great money saving tip is....
Be Realistic:
When it comes to saving money, make sure the goals you set
for yourself are realistic. If you earn $50,000 a year, saving
$20,000 would be nice but it is very unrealistic.
Make your goals attainable or you will never save. When you first
start saving try setting a few short-term goals and work towards
them. After you have successfully reached your smaller goals you
can start planning for more long-term goals that will help you
reach your financial goals.
Harvey Akeson
harvey@harveyakeson.com
http://A1MoneySaver.blogspot.com

 A Penny Saved is a Penny Earned....well not really unless
 you plan out a steady investment plan.  Don't let your plan
eat up all your investment savings. 
Here is a really Low Cost Monthly investment tool,
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Money Saving Tip - Groceries

Today's great money saving tip is....

Groceries:

Just like when you are at the department store when you're in the
grocery store, look for the clearance rack and sales on items that
you really need.

Buy store brands or in bulk whenever you can. The old way of
thinking about store brands has changed as store brands have
become in most instances every bit as good as name brand items
and can save you extra money at check out.

Be sure to make a list before you enter the store and stick with
it rather than buying entirely on impulse. If you don't need
something simply don't put it in your cart.

Harvey Akeson
harvey@harveyakeson.com
http://A1MoneySaver.blogspot.com

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Money Saving Tip - Budget

Today's great money saving tip is....

Budget:

Everyone should create a budget. If you are not sure how or
just not good with money, many businesses such as H&R Block,
offer free financial consulting to help you put a budget together.

Knowing where you are spending your money is by far the best
way to save. In most cases, people have no idea where their
money is really going and once they see it on paper, not only
are they surprised but eager to change their spending habits.

Harvey Akeson

harvey@harveyakeson.com

http://A1MoneySaver.blogspot.com

Extra Tip
You have to keep your money somewhere: A credit union can offer a desirable alternative to a bank.

For many using a bank results in frustration. Bank fees continue to tick up: Overdraft fees, monthly service charges and continually rising interest rates on credit card accounts mean that you pay more for letting the bank keep and use your money. You may want to go somewhere else, but where else is there?

Consider a credit union also known as a cooperative financial institution. Unlike banks, which are founded in order to make a profit, credit unions were originally founded to encourage thrift. They are non-profit organizations designed to help members. (This means that there are membership requirements, such as location, profession or particular financial situation.)
Every location has a credit union nearby, if your banking fees seem high don't wait until the pain is unbearable check into local credit unions now.

Money Saving Tip - Small Expenses

Today's great money saving tip is....

Small Expenses

Did you know that the average cup of coffee to go could easily
cost you twenty times what it would cost you to make it at home?

It is often the small daily expenses that add up and can really
surprise you. For instance, how much do you spend on the
morning or coffee you buy? Is it $2.50 or more? Let’s say you buy
one $2.50 coffee a day, that is $12.50 a week (5 days) and totals
50. 00 a month. That equals $600 a year spent on coffee.

What could you do with that extra money if you saved it, simple
by making your coffee at home?

What other “little pleasures” in your life are eating into your
pocketbook? Everyone has their own expenditures that could
easily be cut back on or even eliminated. Start doing the math and
you can see where you can keep your current lifestyle, cut back
and save quite a bit of money.




Harvey Akeson
harvey@harveyakeson.com
http://A1MoneySaver.blogspot.com