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SUEBEEHONEY’s Blog

Groceries….How to Save $$!

January 21st, 2007

Welcome back! Sorry about the mess of papers on the table - I’m clipping coupons and making my grocery list! Let me grab a cup of coffee for both of us and we’ll sit down and chat!

                                

You’ve never clipped coupons for groceries? Too much work, you say? Well, maybe I can shed some light on some great ideas for you in that area - and you don’t use a list, either? Wow - I think I might be able to give you some pointers on how to save yourself a lot of money on groceries! Maybe you can even use them the next time you shop!

                                

Coupons!
Coupons are a pretty obvious step to saving money on grocery items, but there are some tricks to using them most effectively. Again, my rule of thumb comes into play here: It’s not a bargain if you won’t use it or can’t afford it! Don’t buy something just because you have a coupon for it!

    High Value Coupons

- watch for those $0.50 and higher coupons on things that cost you the most:

Cereals
Dairy Products
Pet Foods
Health & Beauty Products

Coupons are most often found in the Sunday newspapers - the bigger cities have a larger selection of coupons in their Sunday edition of the paper. Also, there are grocery coupon websites that can be found by searching on Google. You’ll often find $1.00 off coupons on cereals - and if you watch the store ads, you’ll find those cereals on sale at the same time - meaning you can sometimes multiply your savings in a big way by using the coupon during the sale! Some stores will routinely double coupons with a face value of up to $0.50, and sometimes, up to $1.00. This can be a great way to save money - when I had a large family at home, I would go once a month, when the store I used was having their double coupons up to $1.00 sale. I’d get up at 3:30 a.m., trundle myself off to the store (open 24 hrs.), load up my cart, using my list and coupons I’d prepared the night before, be out of there in an hour or so, with over $200 worth of groceries in my cart, and having paid less than $100 for them. Unfortunately, that store is no longer around, but maybe you might live in an area that has one!

                              

Live on the Edge - of the STORE!

Here’s a hint many people don’t know:  grocery stores are arranged to draw you in to the center of the store, where the higher-priced items are hiding!  If you shop around the outside edges of the store first, you’ll find the basics there.  Most stores are set up to have the dairy, meat, bread, and produce departments on the outside walls, because they take up the most space.  On the endcaps of the aisles, you’ll find the loss leaders and sale items in each store - the items that are priced lower than those that are down the aisle. 

So, when you enter your grocery store next time, take a good look around, instead of roaming up and down the aisles.  Notice what departments are positioned on the outer edges of the store, and then compare the prices of the items on the endcaps to similar items positioned in the aisle.  You might be surprised at what you can save by shopping the outside edges of the store first - then getting whatever else you need from the aisles.

                                 

Make a List…Check it Twice…

When you go on a trip, and have many preparations to make, what’s the first thing you do?  You make a list to be sure you tie up all the details.  When you want to make goals for yourself and your family, what’s the first thing you do?  You make a list of things you want to accomplish and the steps you need to take to get there. 

So, why not apply the same theory to grocery shopping?  It’s a little extra work, but in the end, it’s worth it in the money you’ll save by not buying compulsively. 

Take Inventory and Make a List - Make a list of those things you absolutely need to buy.  Then, at the bottom of the list, to be purchased last, come the “wants” - the ice cream and things that aren’t absolutely necessary for meals and housekeeping. 

                               

Don’t Go to the Store Hungry! 

I’m sure you’ve heard this one before, but it’s true!  Have you ever gone to the store after work to get milk and bread, maybe something quick to make for supper, and came out with $40 worth of stuff you didn’t intend to buy?  Why did you buy it?  Because you were hungry and it looked good!  Your body’s basic instinct when you are hungry is to devote all it’s energy to looking for the next meal.  If you happen to be in a grocery store, where food is all around you, guess what’s going to happen?    Try to shop only when you’ve had a snack or something to eat before you enter the store, and your mind has had time to register that you are no longer hungry.  There will be times when you still have to stop off for a quick gallon of milk or loaf of bread, but try not to do your major shopping on an empty stomach. 

                            

Make a Journal….

Ok, this one is really for the die-hard grocery savers.  Make a journal of stores in your area, and keep it for a period of 6 months to a year.  Every week, when the sale papers come out, sit down and figure out which store has a particular item on sale, and break down the unit price.  Let’s take toilet paper for example.  Let’s take a look at the paper.  Ok - Store A has our favorite brand of toilet paper on sale, 12 rolls for $5.99.  Store B has the same brand for $5.49.  Let’s figure the unit price on that - $5.49 is the lowest available price for a pack of 12 rolls, so $5.49 divided by 12 equals approximately $0.46 per roll.  Write that down in your journal under Store B’s name and keep it for future reference.  Also note the date of the sale - many stores run similar sales at the same time, year after year.  They have a formula for what sells best at a certain time of the year, and they follow it, every year.  That’s the purpose of your journal - to keep an eye out for upcoming sales to stock your cabinets at the lowest possible price. 

But what if you found a similar quality toilet paper in another store’s ad - say Store C, for example, that had 12 rolls for $4.59?  That drops your unit price to around $0.38 per roll!  That leads to the next thing on my list….

Don’t be Brand-Loyal - Unless It Matters!

This is where it’s time to make some decisions.  You’ve found a pretty good price on a similar brand of toilet paper at another store.  But are you willing to give up the brand you’ve used for years in favor of saving a little money?  That all depends on how much you like that brand! 

There are some items we are simply not willing to scrimp on - some of those items might be toilet paper, laundry or dish soap, or canned vegetables.  If you’ve used Tide laundry soap for years, despite it being higher priced than anything else on the shelf, you might want to try a couple of the lower priced alternatives.  Goodness knows, there’s enough choices!  If you try one or two other detergents and don’t like the way they clean your clothing, then by all means, stick with Tide.  But if you can find something less expensive that works just as well, why not change and save a few dollars a month?  Maybe you can put that savings into a fund for a new washing machine!  :-)

Canned vegetables are another area where quality varies greatly from brand to brand.  If you have always eaten Del Monte or a similar, higher-priced brand of canned vegetables, why not give the store brand a try?  Buy one or two cans and try them out.  If you’re unhappy with the quality, go back to your brand - but this may be another way to save a few cents per can, which can add up over the course of a year. 

Dish soap, body wash, shampoo, bar soap and similar items are another area where the store brand may be just as good as the more expensive brands.  Many stores, especially the larger discount stores, are really pushing their own store brand - and in many cases, their brand is made in the same factory by the same company as the name brands - it’s just labeled and priced differently!

                           

Well, I’ve got to run and pick up the kids from school, and take the dogs to the park for a run!  Would you like to come along?  We can talk about next week’s blog entry, and you can help me with ideas - I’m thinking about taking on tax preparation and income tax refunds - and how the Frugal Mom or Dad can save on that and get the refund they’re entitled to!  Think that’s a good one?  I do too!  Let’s go - you can just leave the coffee cup in the sink - I’ll catch the dishes when I come back! 

                              

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Christmas in JANUARY??

January 16th, 2007

Hey, it’s nice to see you again!  I just made a fresh pot of coffee - why don’t we sit down and have some?  Want some chocolate-mint truffle flavored creamer?  I found it on sale at the store - love those after-holiday sales!  Even the grocery stores get in on it!  I bought the last two bottles of this creamer they had on the shelf - $0.50 down from $2.19 - and all because it’s a “seasonal item”!   

                        

 And, come to think of it, that’s what this week’s blog entry is all about - savings on Christmas items!  It seems like we just started winding down from Christmas, but, believe it or not, now is the best time to start planning for next year’s holidays.  Come December of this year, when someone asks that age-old question - “got your shopping done yet?” - you can smugly say - “yep - months ago!”                        

                                    

I’m sure you’ve been to some of the after-Christmas sales and found some good deals on gift wrap and bows and decor and the like…but there’s a good way to do it and a not-so-good way.

Of course, you should hit the after-Christmas sales - provided you can afford to.  The rule of thumb here is this:  It’s not a bargain if you can’t afford it!  Let’s put it another way…if you have paid your bills for the week, purchased groceries, put gas in the car, socked a little away into savings and have $30 left over, then purchasing a $10 gift, or $10 worth of stocking stuffers for next Christmas is not a bad idea.  However, if you rush out to those after-Christmas sales, spend $200 on lights, wreaths, ribbons, bows, wrap and gifts - all 50% off - and then don’t have money for the electric bill - it’s not a bargain at all. 

               plus…     

                can equal…

 

Now that we’ve got that out of the way, let’s see how we can find a way for you to start socking away some Christmas gifts & winter necessities for next Christmas, without breaking the bank! 

                          

Sales - those marvelous sales!  Even after Christmas is long gone, you can find some great deals on the clearance racks!  Things to watch for throughout the year, for use as Christmas gifts:

Stocking Stuffers - bubbles, small toy cars, small electronic handheld games, miniature dolls and playsets, decorative pens and pencils, mini stationery sets, small calculators, cologne miniatures, lip balm or lip gloss sets, jewelry (for kids & adults), hair accessories, battery-op toothbrushes, mini art sets, crayons, word search books or crossword puzzle books, and my all time favorite - silly soap for the bathtub!  Remember that stuff in the can?  :-)  Buy small toy items on clearance when you can, and you’ll be set for Christmas when the time comes!
 

Clothing - buy for the season that is just ending - buy winter clothing in spring, summer clothing in fall, and fall clothing in the winter!  For example, long-sleeved men’s shirts can be found at $5 or less in January and February, when stores are starting to look at placing their spring clothing lines.  There’s next year’s clothing gifts on the clearance rack!  And don’t just think gifts - this is the time to stock up on gloves, hats and scarves as well - those things that come up missing all winter long.  Those 2-packs of knitted gloves are often less than $1 after mid-January. 
 

Gift Sets - cologne gift sets are discounted immediately after Christmas, as are makeup gift sets and food gift sets.  Now, the food gift sets won’t keep a whole year without spoiling, so don’t buy those unless you plan on eating them yourself!  But the sets of bubble bath & shower gels will be great bargains for holiday gifts.  Makeup sets, lip balm or gloss, grooming sets, even shoeshine sets - all of these will be on sale right after the holidays, and you can usually get them for at least 50% off. 

Toys - the biggest sellers of the year, the ones everyone was desperate to find and paying top dollar for, will be on the shelves and deep-discounted in the months after Christmas.  But don’t limit your visits to the toy aisle to just after the holidays.  Spring and summer clearance is a great time to pick up future Christmas gifts, too!  How surprised would your child be to see a KITE in their Christmas stocking?  Or an inflatable pool toy you said you couldn’t afford to buy last summer?  (But you found on clearance in August!)  Just because they can’t use it on Christmas Day doesn’t mean they won’t love it later!

                            

“Lots” Stores - I’m sure I don’t need to say much more than that to make it clear!  Deep discount stores, specializing in odd lot, discontinued, or returned merchandise can be a great resource for holiday shopping all year around.  Computer software, electronics, cd’s, and books are all great buys to be found there.  Children’s educational software can be found for less than $10 each - often around $5 - $6!  Toys are not always a great bargain here, but small appliances, housewares and the like can be pretty good deals every day.  The same thing goes for those wonderful “dollar” stores - where everything is a dollar.  I’ve found wonderful stocking stuffers and small gift items throughout the year that I was able to save for Christmas, or keep on hand for a forgotten birthday that you need a gift for!

DIY….

Not everyone is creative enough to “do it yourself” when it comes to holiday decor or homemade gifts.  However, there are many ways to give of yourself during the holidays without a huge layout of cash!  Stop and think of your family and friends for a moment.  Most of us have elderly family members or friends that could use an extra hand in the wintertime with snow removal, baking, housework, shopping or decorating for Christmas, gift wrapping, etc.  Get on the computer (now, not in December!) and make up some cute “gift certificates” offering your services for free during one winter month. 

                        

Start thinking about family members that particularly enjoy a baked item you make - plan a baking day in late November or early December to do some baking and make up a gift basket of baked goods to give.  Again, those after-Christmas sales will provide great bargains for containers to hold baked goods!  The local “dollar store” will have tins and baskets in holiday colors and designs for half price just after Christmas, and you can pick up several for close to nothing! 

Where to put it all!?!

As you shop, you’re going to find you’re accumulating a pile of presents!  Buy a couple of large storage totes, or simply find a couple of large boxes to store the stuff in until Christmas.  I have two or three totes that I use every year to store stuff. 

Wow - lots of info to digest, I know!  That will get you started on next Christmas.  The long and short of it is this:  start shopping now - and continue all year around - by purchasing small things here and there, and storing them until Christmas.  Come November, your shopping will be done!

Thanks so much for stopping by!  Just leave your coffee cup in the sink on the way out - and be sure to come back next week sometime - I’m looking into ways to save on groceries and everyday purchases - aside from coupons!

 

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Welcome to a FrugalMom’s Blog!

January 3rd, 2007

Come on in!  Don’t mind the big dog, he kisses everyone.  And the little dog loves people, so go ahead and give her a pet.  She’ll love you forever if you do!  I just put a fresh pot of coffee on and I’ve got some fantastic cranberry-orange scones - let’s sit down and have a chat!

                              

First, let’s talk about the name of my blog.  FrugalMom?  What’s a FrugalMom?  Sounds kinda like that kids’ show by Jim Henson - Fraggle Rock - FraggleMom? 

                            

A FrugalMom (or Dad) is someone who, either by necessity or by choice, finds new and inventive ways to use and reuse, reduce and recycle, and stretch and pinch every penny until poor old Abe Lincoln gets a nosebleed! 

                                  

Sound kind of depressing?  Only if you let it be!  I choose to look at it this way:  Would you rather buy that new big screen tv and have your family eat PB&J and Ramen Noodles for a month, and worry about whether you can pay the credit card bill for that tv when it comes (not to mention the utility bills)….or settle for watching your current tv, in a warm house with lights, decent food on the table, and feeling secure in the knowledge that you have enough money to pay the bills this month? 

OR…AND…

Now - I’ll bet you’re wondering why a blog about being frugal belongs on a website dedicated to offering advice on debt and credit?  I figured what better place than here!  We offer advice on credit and debt, how to get out of debt, how to fight unfair and illegal debt collection practices, and how to budget - what better place to offer some useful hints and tips for the average Joe to save money - and not by just sticking money in the bank!

 We’re talking hidden savings here - those everyday things that we all do, use, or throw away that can save us money.  Sometimes it’s pennies a day…sometimes its dollars!

I’m glad we had this little chat.  I’m going to get to work on my first entry right now - I think we’ll tackle one of the biggest money-eating days of the year - Christmas!  I’m going to show you how to prepare for next Christmas, so you won’t be rushing around in December buying gifts - you’ll be all ready by October at the latest!

Just set your cup and plate in the sink on the way out…and come back anytime!  I’ll keep the coffee on for you!

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