Thursday, July 15, 2010

Publix Trip 7/15

 I spent $11.46 for $72.99 worth of groceries, saving $61.53 or 84%

 Click here for my original shopping list.

I added:
(1)Stonyfield YoBaby 2/$5
    -$1/1 Publix Baby Club Coupon
    -50¢/1 Manufacturer's Coupon from their website HERE
(2) Eckrich Sausage 2/$4
    -$1/2 Publix Q from newspaper (can't remember which week...)
(6) Hershey Syrup BOGO $2.19
    (2) B2G1 Tearpads
 
I deleted:
Pedigree because I know I have seen them put it on sale for $10.99 and we still have food left to make it another month (and if not it is regularly $12.49 at SuperTarget).
Cheerios because I did the math and realized it would be a better deal to save my peelies for a BOGO sale.

Price Changes:
Olive Oil was BOGO $6.65 not $6.99
Milk was $3.35 not $3.39 (I know pennies, but in my world every penny counts)
Chips Ahoy were BOGO $3.69 not $3.25 (thankfully they were both free for me!)
And the price for the Digiorno Deep Dish was $2.50

My favorite cashier had a back-up in her line, so they asked me to go to another line. That cashier was ok, but she asked the manager about every free item coupon I had. She also muttered something about using 2 of the B2G1 tearpads because I was already getting them free with the BOGO, but that she would "let me do it" because there wasn't a manager around at that minute to ask one. It took much longer than normal to check out because of this (I should add, had they left me in my original line I would have been done sooner), but what I learned is they are indeed very worried about coupon fraud right now.

How did you do?

Frugality- Mail in Rebates

Click here for more in this series.

Mail in rebates are probably one of my most favorite things about being frugal. If I'm going to buy something anyway, why not make some money from it.

Where to find them: a lot of the deal match-up sites list them on their site. But rebates can come just about anywhere a coupon can be found. They can be in Sunday inserts, found in product boxes, found as peelies or tearpads, mailed to you in a home-mailer, or they can just simply be found on the products website.

How to best use them: The best time to use a MIR is when you are buying something at the lowest it will go. However don't rule out using them when you already have to buy the product. On the other hand, you probably shouldn't buy something just because there is a rebate, the only exception to this rule is if you will make money on the deal (after including postage into the equation). You can then donate the item.

Receipts: You will more than likely have to surrender your receipt to the rebate, so you have a couple options. You can ring up your items separately or you can ask your cashier for a duplicate receipt (I know they can do this at Publix). At Publix, it will say "duplicate receipt" at the top. This may conflict with the advice in the next  paragraph, so send in the original, however I have sent in the duplicate one several times to several different companies and never had a problem. So basically do so at your own risk, but send the original if at all possible.

Pay attention to the fine print: Read the entire rebate form. Some want UPC's, some want purchase prices circled, some want purchase date circled, some want the store name circled, some have minimum purchase requirements, so always read the whole form.

Make a copy: It is wise to make a copy of everything you send in for a rebate because sometimes things happen, and this is the only way to prove you did things right. I just scan them into my computer.

Keep Records: You should keep a list of MIR's you've submitted, complete with the date sent in. This way you know what you should be expecting, and which rebates to check up on. If you made a copy of the rebate form it may include a way to check the status of your rebate.

Follow Up: Follow up on your rebates. Check their status often so you can catch any problems early. 

How long does it take to get the rebate? That depends entirely on the company. Many rebate forms give you an idea of what to expect.

What will you get? Rebates rewards are pretty varied. You may get a check, a generic gift card, a gift card to a specific store, or coupon book full of high value coupons.

What items have rebates? Just about everything! I've done rebates for cleaning supplies, cheese, diapers, personal care items, paint, and many other things. I've seen them for milk, medicine, movies, and everything else you can imagine.

My favorite website: My favorite website for rebate match-ups is Friend Family Savings. She does a weekly rebate round-up that matches current rebates with current sales to maximize your rebate efforts. She also has a master list of rebates (so does iheartpublix for that matter). For future reference, there is a link to her blog in my "favorite links" tab.

Why I LOVE it: Because I have since March (prior to March everything was in storage as we relocated and bought a house), received $115 in checks, a $10 Publix Gift Card, and one P&G high value coupon book. I'm awaiting on another $38.99 in rebates to come in the next few weeks.  Most of these things were complete money makers or close to it, and were often items I was buying anyway (like diapers!). A few were just things I was buying anyway, like paint for our house, that there was a rebate for. I used my rebates to buy a black and white laser jet printer a couple of weeks ago, so that I can spend less money printing all those coupons I use.



Once you get good at saving with matching coupons to sales, I hope you will add some MIR's to the mix. Join me next week for even more frugal tips!

Wednesday, July 14, 2010

Shopping List for 7/15

Blue- Manufacturer's Coupon
Green- Publix Coupon
Red- Competitor Coupon 
Chips Ahoy BOGO $3.25
   -Free Cookies wyb 1 package of cookies and 1 gallon of milk Facebook Coupon (promotion ended)
Finish Dishwashing Detergent BOGO $6.99
   -$1/1 Printable from their website HERE
   -$2.50/1 from 6/27/10 SS
Pompeian Olive Oil BOGO $6.99 
   -(2) $1/1 Printable from their website HERE 
Buitoni Refrigerated Pasta 2/$6 (ends 7/16/10)
   -$1/1 Printable from their website HERE
   -$1/1 Target Coupon Found in July Real Simple Magazine
Top Sirloin Filets $4.79/ lb
   -$1 Fresh Meat Purchase Publix Baby Club Coupon
Pedigree $12.99
    -$2/1 Printable from their website HERE
Cheerios $1.99
    -$1/1 Peelie
Milk $3.39
Digiorno Deep Dish
   -Free Product Coupon

-$10 Publix gift card from KC MIR

Still deciding on a few more things, but if I buy them I will give the match-ups in my "Publix Trip" post.
            
      

Water Storage- Step Two: Bottling Your Own Water

For more on water storage, click here.
For more emergency prep and food storage help, click here.

So now that we know the proper storage for water, let's talk about storing your own water. You have water in your house, so why not make water storage free (or very close to it)! Below are the steps to bottle your own water.

  1. Choosing Storage Containers. Never use any container that has held chemicals or other hazardous material in it. Even if you think it has been cleaned very well, there is always the chance the chemicals are in the plastic. It is better to find other options. Never use glass or cardboard (such as OJ cartons) containers, glass breaks easily and cardboard does not seal well enough to keep out contaminants. Avoid the use of milk jugs (or any jug that looks like a milk jug) as they are brittle and break down quicker. They also don't seal as well.  However, you can use them as a short term solution until you can collect better containers. Choose soda bottles or other bottles of similar plastic such as juice bottles and sports drink bottles , or you can purchase commercially manufactured water storage containers (these are made specifically for long term water storage).
  2. Cleaning the Container. Clean the container (including lid!) with soap and water, and thoroughly rinse it so that there is no soap residue left behind.
  3. Sanitizing the Container. To sanitize the container, with a solution of 8-10 drops of chlorine bleach* in two cups water. Swish it around so it touches all surfaces, including the lid. Thoroughly rinse the container with fresh water. If you will be sanitizing many containers, you can also mix a tsp of bleach in a quart of water.
  4. Filling the Container.  Fill with tap water all the way to the top. If you have commercially treated water, such as through a utility provider, you will not need to do anything else to it as your water has already been treated with chlorine. Skip to step 6. If you have water from a private water source, such as a well, you will need to treat your water continue on step 5.
  5. Treating Your Water. Again, this step only applies to those who obtain water from water sources not commercially treated. To treat your water, add two drops of bleach to the water.
  6. Sealing the Container. To seal the container simply replace the lid and screw it on tightly. Be sure not to touch the inside of the cap when handling it. (If you do, just clean it again.)
  7. Labeling the Container. Label your container with the words "drinking water." 
  8. Dating the Container. Date the container with the date that you bottled the water. This will help you with your rotation. (Remember to replace or use it within 6 months.)
  9. Storing the Container. Store in a cool, dark place. 
  10. Using the Water. Use as you normally do. Sometimes it will taste a little off, if this happens just pass the water back and forth between two containers. It usually is just in need of oxygen.
*The term bleach means non-scented liquid household bleach.

See how easy that is? I hope you will consider getting started on bottling your own water. Next week we will look at finding sources of water in your home.

Tuesday, July 13, 2010

New Uses for Dryer Sheets


For more new uses for other common things, click here.

Here are some great uses for dryer sheets!
  • Use a used dryer sheet to wipe your television or computer screen (or any electronics). Dryer sheets will help reduce the static cling of electronics.
  • Use a used dryer sheet to clean blinds and baseboards. It's the same concept as above!
  • Place a unused sheet in your drawers to help clothes smell great.
  • Run a threaded needle through a fabric sheet before sewing and to help keep thread from tangling.
  • Freshen smelly shoes.
  • Clean pet hair from furniture, clothes, or carpet. Just run a used sheet over it and it should attract it.
  • Loosen stuck on food from pans. Place an unused sheet in the bottom of the pan, fill with warm water, and let sit over night. It should be easier to clean in the morning. (I've never tried this, so I wonder if this really works!)
  • Eliminate car odors by tucking new sheets under seats to help eliminate musty odors.
  • Use a used sheet to clean soap scum from shower doors. just dampen it and wipe.
  • Make that wet dog odor go away. If the dog comes in smelling awful, just wipe him down with a used dryer sheet.
  • Repel mosquitoes. Hang used dryer sheets in your patio or pin them to your clothes. (I haven't tried this one either, but have heard it works.)
  • Use it as an air freshener. Stick them under furniture and in closets to make the house smell fresh with out costing a ton.
  • End static cling. Carry a dryer sheet with you and just dampen it and run it down static-y clothing to rid it of the static. (I wonder if this would work for hair...)
  • Dusting in general.
  • Clean paint brushes by soaking the brush in water with a dryer sheet. 
  • In your gym bag.
  • Hang them near your garden to keep rabbits, deer, and other creatures from munching a way.
  • Dust your washer and dryer when you are finished with the laundry.
Do you have any uses for dryer sheets? Please share below and I will add them to the list!

Monday, July 12, 2010

Publix Ad

I Heart Publix

Michelle over at iheartpublix has the next Publix ad up, check it out HERE.

I see a few things I'm excited for(free cookies!), I'll have my shopping list up in the next few days so you can see what I'm buying.

Monday Money Sense- Staying out of Debt


For more on this series, click here.

I know I said I was going to start a series on how to build up a money reserve, but I figured it might be important to first discuss how to stay out of debt. The last thing you want once you are free from debt is to end up shackled right to it again. So here's a little crash course on staying out of debt.
  • Good and Bad Debt. There are two kinds of debt: good and bad. Good debt would be classified as mainly things such as a mortgage, student loans, and if necessary car loans. Bad debt is credit cards, store cards,  personal loans, etc. The main difference between the two is that with good debt you gain something with long term value and with bad debt you generally gain something for short term happiness. A good way to know if something is worth the debt you will incur is to figure out how much it will cost when the interest over time. For example, you are probably willing to pay the interest on a home loan because you will have a place to live and you have an asset in home. You probably think the interest on a student loan is worth it because it allows you to gain education and hopefully increase your earning power. You probably won't be willing to pay interest on a candy bar or a movie. 
  • Whenever you can, pay for something outright. This applies to "good" debt and big ticket items. You should always pay for regular purchases in full. If you have enough money saved, and a good reserve it is better to pay for things in full. Cars are a prime example of this. Cars depreciate the moment you drive off the lot, so it can become very easy to become upside down in a car loan. It would be better to buy a used car that you can pay in full for than to buy a brand new car that you end up with a large loan for. At the very least make a large down payment and opt for shorter terms. The same is true when you want to remodel your home or buy a big ticket item. Financing may seem like a good idea, but inevitably you will pay double the amount it cost in interest, and you generally will not make that much in interest if it stays in your bank account and you may not make back the amount of money you put into (with interest) it if you sell it. There are reasons why one would choose a loan over paying in full, but they need to be carefully selected, usually after consultation with a financial expert.
  • Using a Credit Card Properly. Believe or not there is a correct way to use a credit card. The correct way is to pay off your balance in full before you have to pay interest. You shouldn't buy anything that you can't pay for from your bank account right then. You need to still stick to your budget. There are many advantages to using credit wisely. Your credit score will increase. You may also acquire some sort of points for a reward program. For example, my husband and I have a credit card that offers 1% of every purchase as payment to our mortgage. Used wisely this can be a great benefit as it will help to pay down our mortgage faster just from making our regular purchases. Used unwisely and we end up losing all the benefit in interest payments. 
  •  If you can't control yourself, don't use it. If you know that the moment credit cards are in your hand you will use them, then don't. I would recommend a cash system where you can't spend more than you have budgeted for the month. I wouldn't even use debit/check cards. Once you can live by a budget, you may be able to then slowly work toward using a credit card in the right way. Until then it would be better to just do without.
  • Have a financial reserve! Most people end up back in debt because they fall on hard times or end up having to pay a large amount of money for an unforeseen event (air conditioner breaks, car breaks down, medical bills, etc.). I will begin a series on this next week.
So basically, think! Think before you buy, think before you take out a loan, think about the true cost, think if it is worth it!

Do you have any tips or tricks your family uses to stay out of debt? I'd love to hear them! Please comment below!

    Friday, July 9, 2010

    Some good coupons I saw.

    So if you know me than you know I love cheese! Well there's a great coupon out for $1 off 2 lbs of cheese any brand, brick, cubed, or shredded, only valid in Florida.

    Also saw a coupon for $1 Dove Promises, and I've seen those go on BOGO in the past.

    Check out all the coupons out right now on Coupons.com

    I was under the zip code 33567.

    BTW I did go to Chick-fil-a and am happy to report that we got two adult meals and one child meal absolutely free.

    Cow Appreciation Day

    In case you haven't heard it's cow appreciation day at Chick-fil-a. If you dress like a cow you get free chick-fil-a, kids too! For more info and a starter costume, click here.

    I'm thinking about doing it because hey, it's free food!

    Friday Fun- The Library

    I know I've mentioned the library quite a few times, but the library really is a wonderful place to go. They aren't just for books either. Here's a list of things your local library may have.

    • DVD's (even the new releases)
    • CD's
    • Books! On probably just about anything imaginable. I love checking out DIY books. That way I can see if it is cheaper to do it myself or pay someone to do it. I also check out bestsellers.
    • Magazines. Libraries have subscriptions to many magazines that you can read for free!
    • Downloadable materials
    • Internet Services. Many libraries have subscriptions for sites that cost money. Your library may be able to provide you with a list of these services.
    • Family Events such as story time.
    • Events for children like "kids read down fines" or special classes
    • Classes. Libraries often host public classes like hurricane prep, tax planning, etc. as well as other classes like crafts.
    • Book Clubs.
    • Author events like book signings and readings.
    • Exhibits. My library currently has an exhibit about Lincoln.
    • Many more! Librarians are very helpful. If a book you want isn't there, ask. They can sometimes put a hold on it so that when it comes in you can get it, or they may be able to order it from another library (this is generally called interlibrary loan). They can also put a request for certain programs or subscription services when funds become available. Just ask!
    What does your library offer? Do you use the library? Share your stories below!