Welcome to My Saving Place where you will find an abundance of tips, tricks and good advice on how to save money on just about everything.
The Saving Lady
If, after looking through this site, you’re still looking for ways to save money, you might want to head over to Pinterest for 94 more ways to save. These include getting your hair cut at a beauty school for little or no money, getting your teeth cleaned at a dental hygiene school for a small fee, taking a hot water bottle to bed with you instead of turning up the heat.
Did you ever stop to think that every time you leave the house chances are you end up spending money somewhere on something? Maybe you need a spending-free weekend. Get 6 tips for planning a weekend that doesn’t include spening money.
Now if you’re really trying to save money, you might want to try the minimalist life style. It’s really not as hard or depriving as it may sound. Discover how to save money with minimalism.
What does having a BBQ grill, a storage unit and a Costco or Sam’s Club membership have to do with saving money? Believe it or not, these are all items that can be shared. It’s called “collaborative consumption,” and it’s really starting to catch on as a way of saving thousands of dollars a year. This can be done with neighbors, family, friends or just about any group willing to participate. Here’s a list of 36 things you can share and some helpful ideas to make sharing a successful way to save money.
Planning to travel by air anytime soon? By now we have all heard that in order to save money on airfare you should purchase your tickets 3 months in advance at 3pm on Tuesdays. At least this is what has been in the news lately. Well, here are 5 other tricks you can use to find the cheapest air fares as well.
Fall is knocking on the door. That means that pretty soon we’ll be turning on the heat. Early sunsets mean that we will be using more electricity. Less outdoor activity means that our utility bills will rise substantially. How can you best hold down some of these rising costs? Here are some ways to save on utilities.
1. If you don’t already have one, invest in a programmable thermostat. For all you techies, they now make a wi-fi model that can be controlled from anywhere as well as the standard 7-day hard-wired one. For less than $100, you will make up the cost in energy savings within the first year. Set temperatures higher for the times when you are home – 68 degrees for maximum benefit — and lower when you are away or asleep.
2. Most gas or electric companies will perform an energy audit free of charge. This will tell you where your energy costs are disappearing to. Sometimes it’s as simple as putting weather stripping around doors to the outside. Sometimes the fix is more expensive, but at least you will know what you need to do to shore up the energy losses.
3. If you’re still burning incandescent bulbs, switch to the new LED’s or at the least the CFL’s or saving on your electric bill.
4. Buy smart surge protectors that automatically turn off appliances when they’re not in use. This helps reduce the loss of electricity called “phantom load,” power that is used by appliances even when they are turned off but still plugged in.
5. Turn your water heater down to 120 degrees. Water heaters are one of the big power users in your home. By decreasing the temperature, it reduces the amount of energy used saving you money. Chances are you won’t even notice the difference between 120 degrees and 140 degrees.
A smart phone is one of the most expensive gadgets you own. Put it to good use by letting it help you save money wherever and whenever it can. Apps are the solution to this, and here are 5 apps that can help you save money on your groceries.
1. Checkout51 shows you a weekly list of offers that allows you to get cash back on both grocery and non-grocery items. It takes a little bit of work on your part, but it does have its rewards. Examples are: $1.00 back on Oreo Cookies, $2.00 back on Special K Cereal. These savings mount up. When your total reaches $20, the company sends you a check (which you can then deposit in your savings account).
2. Favado notifies you when your favorite items are on sale. It also provides the sales price, secret sales and links to coupons you can print out. It’s a little more cumbersome to use since you can’t print coupons from your phone., but it’s a great planning tool.
3. iBotta is another app that gets you cash back on items that you already buy. It’s a little quirky since you have to perform a task (take a survey, watch a video, play trivia, etc.) in order to get your rebate. Once you’ve gone through all the requirements, your savings are held until they reach $5.00 and then deposited into your Paypal or Venmo account.
4. Substitutions doesn’t save you money like the other apps do, but it can save you from pulling your hair out as it gives you food items you can substitute in place of a missing food item or the wrong food item. An example is: What can you substitute for baking powder in a recipe? This is a must-have app for all of you wannabe gourmet cooks.
5. GroceryIQ is perhaps the tops grocery shopping app. It is also available online. It has millions of items in its database. You can customize your list for the way you do your shopping at one store or multiple stores. If you divide your shopping between different family members, you can share the shopping list or lists and sync between devices. There’s more to this app than meets the eye.
Here’s a round-up of some of the best saving ideas found while surfing the Net this week.
1. If you’re kids are college bound and a tech gadget is on your shopping list, you’ll wan to know how to get the best deals on technology.
2. Ever think about how much you spend doing laundry? It’s probably more than you ever imagined. Discover ways to save money with every load of clothes you wash.
3. If Microsoft manages to save $500 in a year, it’s not even a drop in the ocean, but if you can save the same amount, it means something. Here are 10 thrifty ways to save money.
4. What brand of sugar do you think Rachael Ray buys? If she’s like most professional chefs, she buys a store brand. Most well-informed people know that store brands offer the identical product for a lot less money. Read how store brands can help you save.
5. Traveling to a major metropolitan area soon? This usually means spending more than you should, but not if you follow these tips for saving money in a big city.
6. Not many people nowadays don’t have a smart phone. And if you want to be smart (and committed) about saving money, there are apps that can help you along. Here are 11 apps that help you save.
Who would’ve thought just a few simple adjustments around the house could save you as much as $1000. It can’t get much easier than this.
Our brain has a nasty way of sabotaging our good intentions. It is wired to want instant gratification, and saving money is a long process. The gratification we get from saving comes only after many weeks, months, and years. Here are 5 ways to circumvent the brain’s ongoing attempt to derail your saving plan.
1. Don’t stop making loan payments. You’re down to the last car payment. Rather than spend time thinking about what you’re going to do with all that extra money, just keep making the same payment, but make it to yourself. Let’s face it. You’ve become accustomed to being without that money for the past 3 to 7 years. It’s part of your budget. Think how quickly your savings account will mount up by simply diverting that now gone car payment towards an emergency fund, college fund or your future security.
2. Use folding money and save the change. Shop with good old fashined cash — $1 bills, $5 bills, $10 bills, $20 bills. Whenever you break a bill, put the change aside and deposit in a piggy bank or, when enough has accumulated, into a saving account. This little maneuver can become addictive when you watch the change grow in a glass jar.
3. Send yourself a bill. If you’re the type that will pay any and all billsbut can’t put a penny in a piggy bank, then you might try sending yourself a bill that you pay just like you pay all your others using a free online service like InvoiceDude.com.
4. Automate your savings. If you never see it, you’ll never miss it. Set up an automated transfer the day your paycheck is deposited. It doesn’t have to be a lot. Even $10 – $20 a paycheck is a good start. You will quickly learn to live on what is left.
5. Bank your cash rewards. Rather than spend the cash rewards you get from your cash-back credit card or the rebates you receive from online shopping through eBates.com , put those savings into a savings account instead. It’s money you would not and so should not miss, but it does mount up.
The dog days of summer will soon be upon us, and parents will be turning their attention to the back-to-school buying ritual — and the expense of it.
First of all, there is no need to break the family budget just because another school year is coming around — unless, of course, it’s off to college. Cool weather won’t be upon us for another couple of months, so clothing that kids wore to school at the end of last year should still be suitable for the first few months of this year. You might find more clothing bargains in late October or early November when stores are trying to make way for holiday merchandise than in August when they expect you to be shopping for back-to-school items.
If it’s supplies you have to purchase — pencils, pens, paper, notebooks and the like — you’ll probably be better off buying everything from one source whether in a local store or online. Together the cost of these items can mount up, but it’s not worth running from store to store just to save a dollar or two. You’ll burn the savings up in gas. Beware of the shipping charges if you shop online. For items like these, shipping charges can wipe out any savings very quickly.
Check out Jason Alderman’s list of tips to save time, money and sanity for more ways to save money on back-to-school buying.
We are in the heat of summer and baring the body beautiful — or at least we’d like to have a beautiful body to bare. Keeping fit doesn’t mean you have to spend a lot of money. In fact, keeping yourself healthy and fit is one of the least expensive things you can do. Here are five way to get started.
1. Use it or lose it. The gym membership that is. Like most of us with good intentions, we join a local gym, go at it for a couple of weeks and then slowly but surely cease going altogether, but we don’t cease paying for the membership. There is no better way to waste money, and millions of people are doing it. If you’re one of those people, ditch the membership now and don’t even think of signing up again.
2. Find free or at least cheap exercise classes. There are dozens and dozens of free workout videos on YouTube. If you have a Roku Streaming Player or similar device, you will find a variety of free exercise and fitness channels to help you towards a more healthy you.
3. Seniors take advantage of Silver Sneakers. If you’re over 65 and on Medicare, check your Medicare or Medicare Advantage plan to see if it has a Silver Sneakers option. Many do. This includes fun fitness classes, access to exercise equipment, certified trainers, health education seminars, social events, and an online tool to track fitness progress usually at no extra cost.
4. Download free fitness apps. MyFitnessPal helps you get trim by counting calories. YogaYak helps you find free yoga classes. Nike Training Club offers more than 100 free workouts.
5. Pick up some inexpensive workout equipment. A jump rose, a pair of weights (or even a couple of 16-ounce cans of beans), an exercise ball are all cheap and effective tools for fitness.
Credit Monitoring - Get free credit monitoring service from CreditSesame.com, a service that other companies typically charge $10/month for.
Credit Report - Each year you are entitled to a free credit report from all three credit reporting services (TransUnion, Equifax and Experian). Request your free report at AnnualCreditReport.com.
Mulch - You may be able to get free garden mulch by asking road crews clearing away trees and brush if they will dum their loads of wood chips at your home. Also check your local city, county and state governments to see if they give away shredded wood and wood products from their clean-up jobs.
Free Meds - If your doctor prescribes a medication for you or a family member, ask is he has any free samples he can give you. Also ask if he has any free samples of drugs that he has already prescribed.
Free Medical Tests - Search “free health fairs” online to find health fairs in your area that give free basic health tests.
Sightseeing – Each year the National Park Service offers several free admission dates at national parks and attractions. Go to NPS.gov and search for “free entrance days.”
Books - Get free and almost free newly published books at BookBub.com.
Software – Open source software is free for anybody to use. Check out the Free Software Directory from the Free Software Foundation for software that you can use.
Free Learning – Whether you want to learn a new skill to live and work in the 21st Century, brush up on an old one, or just enjoy learning for the fun of it, you’ll find over 90 tutorials to choose from the award-winning learing site, GCFLearnFree.com.