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
They’re called BOGO’s — Buy One, Get One (free, 1/2 price, etc.). This is a sales gimmick that could be a trap. Let’s say that you can buy one sweater and get one for 1/2 price. The sweater in
question is $50 meaning that you can get two sweaters for $75. This could or could not save you money. First of all, do you really need two sweaters or is one sweater all that you have budgeted for. If you only need one and the other sweater is a budget buster, then it’s not a bargain. You’re much better off looking for a $-off or %-off coupon that you can apply to just one sweater. This is the difference between shopping prices and shopping sales.
On the other hand, if you’re shopping for kids’ back-to-school items in August, BOGO’s can be a real savings. For example, if you have two kids that both need new school shoes, a BOGO could save you money, unless you have to make a minimum purchase or your purchase is limited to only certain shoes. Again, you have to check prices to determine if you’re saving or not.
Stick to shopping prices and you will stick to your budget
I remember my first car — a 1963 Corvair Monza 4-door sedan. I loved my Corvair (regardless of what Ralph Nader says). It was fuel efficient and, with its engine in the rear, plowed through the snowdrifts of Chicago winters almost as high as the car itself. One thing it wasn’t was a speedster. The only ticket I ever got with that car was a parking ticket. I never got a ticket for speeding.
Fast forward a couple of years and I was driving a bright red Mercury Comet convertible with a big white racing stripe down the side and chrome air cleaner and valve covers. It was fast and a real head-turner — especially with the traffic police. The car looked like it was speeding even when it was standing still. Did I get speeding tickets with that car? You bet I did — and a couple of small fender benders to boot.
Was it the car or the driver that made the difference? Definitely the driver. A car is an inanimate object — like a gun — that is only benign or dangerous when a human is operating it. I’m not a psychologist, but I do know that cars have an effect on a person’s disposition and common sense, although I couldn’t tell you why. I think it’s all about power and control that otherwise one might not have in his/her life. It does, however, depend on the type of car one drives. Have you ever noticed most people that drive mini-vans are cautious, traffic-law-abiding drivers while those that drive Corvettes are always going faster than the posted speed limit? And I’ll wager that the mini-van drivers have clean driving records and some of the lowest car insurance premiums available while the Corvette drivers have a couple of moving violations to their name and some of the highest insurance premiums.
The cost of speeding tickets is relatively minor — although they, too, can be onerous depending on how fast you were driving — compared to the cost of insurance for a bad driver. I was fortunate enough to have learned a vary valuable lesson at an early age and many years ago when insurance companies were still operated by real people. With two speeding tickets and a minor accident on my record, my insurance carrier was ready to cancel my policy. My agent was able to convince the underwriter to give me a second chance, and I proceeded to clean up my record and become a “safer” driver.
Today, computers manage a persons insurance policy. A machine makes the decision whether to keep you or not. Three tickets and you’re out; two accidents and you’re out. There’s no intervention by your agent. For three years — and that’s only if you maintain a clean driving record — you’ll be paying insurance premiums that would make the price of a 60″ plasma TV look cheap.
There are many factors that affect the cost of auto insurance. Some of them you have control over:
1. The type of car you drive.
2. The way you drive that car.
3. How well you maintain your credit.
Yes, even a bad credit report can affect the cost of your insurance. Other factors, like an insurance company’s underwriting guidelines, are out of your control. But the ones you do have control over are the very ones that affect tha cost of your insurance.
Is it worth the effort to change your driving habits? Absolutely!! Paying more for car insurance than you have to is money down the drain — lots of money — money that you could put to much better use. The only thing standing between you and potentially many thousands of dollars is your attitude towards your automobile. Treat it as something that takes you from Point A to Point B and not as your alter ego — Superman, Wonder Woman or Bruce Willis — and you will be money ahead — lots of money.
By Candee Lynn Wilson
The Saving Lady
Everyone knows that buying a good used car makes better monetary sense than buying a new car. But what else is there that you should be buying used? Check out 14 Things You Should Buy Used to find out how to save as much as $10,000 per year.
Do you know what American’s No. 1 export is by volume? I you guess wheat or corn or even computers, you’re way off base. According to at least one estimate, it’s used clothing. Billions of pounds are exported each year, mostly to poor African countries. It is an appalling statistic and an even scarier scenario of what the future might bring. Read more here…..
We love Quiznos. Their sandwiches and salads are all far superior to the “other” sub shops or sub shop wannabes. We like the fact that the Big Q is always updating their menu. They’ve just done it again with sliders and grilled flatbreads. Yum, yum!!! Use the new Quiznos coupon to try out over 25 new menu items and save.
Have you ever been frustrated trying to hammer a nail. Who would have thought that a comb would come to the rescue. If you can’t get a grip on the nail because it’s too small or the wood is too hard or any other reason, try this simple little trick. Place the nail between the teeth of a comb to hold it in place while you direct the hammer to the head of the nail and not your fingernail.
What’s popular in coupons this week from the Coupon Network?
|55¢ off when you buy any TWO Uncle Ben’s® Long Grain & Wild Rice|
|$1.00 off when you buy any THREE 20 oz. cans of DOLE® Pineapple|
|$1.00 off when you buy any THREE Jars of DOLE® All Natural Fruit in 100% Juice|
|30¢ off when you buy any flavor Yoplait® Lactose-Free Yogurt cups|
|50¢ off when you buy EIGHT CUPS any variety Yoplait® Yogurt|
Jacque Penney has a new look, new pricing policy and, as always, the same great bang for your buck that they’ve always had. Penney’s is one of my favorite places to shop. I can find almost everything I need at Penney’s with pricing that even Walmart has a hard time beating, and quality that surpasses Target, Kohl’s, and a host of other similar stores. Shop for your Easter bonnet at JCP this year and discover the difference for yourself.
If you shop online and are not using eBates, you are missing an opportunity to save money on nearly all your purchases. By using eBates as a portal to your favorite online store including Wal-Mart, Macy’s, Kohl’s, and almost every online merchant you can possibly think of, you will accumulate discounts that can run 20% or more. Once you’ve earned $5.00, eBates will send you a check. Checks go out every quarter. I already received one check for $13.46 and am working on my next one. If you buy a discounted gift card, you’ll earn another 1% discount .
Rebates can add up quickly of you do a lot of online shopping. If you consider how much gas you save by shopping online, especially with gas running close to $4 per gallon, the savings could be even more significant.