Making It In Diapers Without Amazon

We were big fans of the Amazon Mom program when it first came out.  When it first debuted, you got 30% off diapers and free shipping, plus a year of Prime benefits.

It was pure awesome.

I kind of figured that it might be too good to be true, and sure enough, it was.  They cut the discount from 30% to 20%, then they rolled out the kicker: To get that, you had to pay $79 in Amazon Prime membership.  If you didn’t subscribe to Prime, you got a measly 5%.

We went back and forth on whether to subscribe or not.  It was really nice getting anything we ordered in two days, and the diaper discounts were nice.

In the end, we decided against the membership.  At first, there was a withdrawal period.  Instead of just having diapers show up at our door, we had to go get them.  Instead of having anything we need in two days, we had to either wait for it (and sometimes scramble to hit the $25 minimum on Free Super Saver shipping) or go get it ourselves.

In the end, though, we’ve managed just fine.

My wife always seems to find diaper deals at either Target or Meijer, where they’ll have an in-store coupon that they will allow you to combine with a manufacturers coupon, plus sometimes they’ll do a deal where if you buy a couple of packs, you get a gift card that you can use on your next order.  We might be paying slightly more for diapers than we would have with Amazon, but when you factor the additional $79 that Amazon would have wanted, I think we’re at least breaking even.

It also helps that our little boy is potty trained which as cut his diaper consumption down quite a bit (he still gets a diaper during nap and overnight).

And, if buying stuff got a little less convenient, well that’s OK too.  It probably saves us money on buying stuff that we might not otherwise buy.

It was a nervous couple of weeks when Amazon first announced that they were effectively curbing the Amazon Mom program for us, but after we settled in, we realized that we are doing just fine.

At some point, Prime might be worth it if we look for the streaming movies and TV shows it gets you, but with summer coming up, camping trips planned, and a 10-month old that looks ready to walk within the next few weeks, well let’s just say that we have plenty to keep us entertained!

Any parents out there affected by the Amazon Mom changes earlier this year?  How did you handle it and what changes has it meant for you?

Thanks for reading! Please subscribe to my RSS feed, follow me on Twitter, or check out my Facebook page.This original Money Beagle post Copyright 2012 Money Beagle is authorized to appear only on www.moneybeagle.com. Thank you for reading and remember: It’s a great day to be alive!

Getting Used To A New Credit Card

We recently signed up for the American Express Costco credit card.  The main reason is that you get 3% cash back on gasoline purchases. With the camper coming out of storage recently and planning a few trips, we know that we’ll be spending quite a bit on gas this summer, and looked for a card that would do the best to offset some of those costs.

The Costco card was definitely the right choice.  I’m all about getting cash (even though Costco makes you get the cash at their service desk, that’s fine with me) and not any sort of points or mileage or anything like that.  I know that some rewards might pay more at first but they tend to lower the rate after a few months or move you to rotating categories.  For gas, I wanted something that didn’t do much changing, and so far as I could tell, the Costco card has been offering the 3% back for a number of years now.

Still, this is our first true American Express card, so there were a number of things that were different when it came time to paying our credit card.

Billing Cycle – The billing cycle was slightly off from our Citi Dividends cards.  This is no big deal,as I pay off all the credit cards at the same time, but because the cycle closed a few days later, our gas costs for the month were slightly higher since there were a few extra days.   No big deal.

Reward Wait Time- The Citi card gives you the cash back in your ‘account’ right away, where the American Express delays the reward by a month.  So, our reward for the first month didn’t show up until a full month later.  This was important to me because I wanted to make sure that the gas stations we typically use were classified correctly (they were) but it took a full month from our first statement to get this verification.

No Early Payments – Most of the stuff we purchase with our credit card fall into distinct categories: Groceries, Gas, Cell Phone Bill and a couple of others.  If we have a ‘large’ purchase, we’ll put it on the card and I will often just pay that portion right way.  This keeps the budget categories in line and gives us the cash rewards. American Express won’t let you pay early, as they will only let you pay based on your last statement date.  Everything else is pending.

None of this is a big deal, but it’s interesting to see the slight differences.  They’re not at all overwhelming, but it makes me realize how quickly things could get out of control if you kept adding different cards. We only have a couple of credit cards that we deal with, but I can imagine that there are plenty of people out there who have so many cards that it gets very easy to miss billing cycle dates or limits or other things.  That’s why we took a lot of time to make sure that getting another card was the right decision for us, and I would encourage anybody using more than a couple of cards to consider simplifying.

Have you found yourself with credit card overload?

Thanks for reading! Please subscribe to my RSS feed, follow me on Twitter, or check out my Facebook page.This original Money Beagle post Copyright 2012 Money Beagle is authorized to appear only on www.moneybeagle.com. Thank you for reading and remember: It’s a great day to be alive!

Be Versitile With Your Furniture Purchases

We have quite a smattering of furniture from IKEA around our house.  With kids, it’s cheap and sturdy and decorative enough that we have made good use of it.

Recently, my wife and I decided that the storage we had for kids toys in the upper level of our house wasn’t working.  It consisted of a big bin at the end of the hallway.  While it worked when my wife first put it there, it quickly wore out its welcome.

We aren’t a huge fan of putting kids toys all around their room but we want some toys

by walknboston, on Flickr

upstairs as we spend enough time up there to warrant some toys for both kids.  In other words, we like the hallway idea, just not the way it was.

We were thinking about what to get, and came up with a ‘cube’.  It’s basically a shelf with four square openings.  For $40 it was on our list.

When we got to the store and were looking, my wife broached the idea of getting a white unit since the hallway is slightly darker since there are no direct windows there.

I thought about it for a minute, and then suggested that no, we should get the black-brown unit as we had originally planned.

Why?  Because most of the other furniture we have around the house is black-brown.  We have a few different styles and the furniture serves different purposes, so it’s not like we have a house full of the same stuff in every room, but the stuff we do have is along the same color line.

By getting the same color shelving unit, we could re-purpose this into any other room of the house and it would fit in with the stuff we have.

We have bookshelves and TV stand in the family room.

We have a TV stand and coffee table in the basement play room.

We have a bedroom set in my son’s room.

It even comes close enough to the dark wood stuff we have in our daughter’s room.

In other words, this would match just about anything should the time come that the end of the hallway is no longer going to be used for this.  If we got white it would match…..well, nothing.

Once we discussed this benefit, it was a no-brainer.  And once we got it home, we realized that it looked great.  Now would a decorator or home magazine or even a realtor looking to market the place think that it did?

Probably not. But we’re cool with it, so it remains until one day it needs a new home.  And it likely will have one since it matches!

Thanks for reading! Please subscribe to my RSS feed, follow me on Twitter, or check out my Facebook page.This original Money Beagle post Copyright 2012 Money Beagle is authorized to appear only on www.moneybeagle.com. Thank you for reading and remember: It’s a great day to be alive!

5 Examples Of When A Good Deal Isn’t Worth The Bother

I’m all about getting a good deal on stuff, but price isn’t everything. There are other factors that come into play when it comes to deciding where to get your ‘stuff’.  Sometimes, a deal is too good to pass up.  I know people that detest Best Buy, but will sit outside all night to score a good deal there for Black Friday.  Chances are they don’t go back for another 364 days!

Here are a few real world examples of decisions we’ve made that go above and beyond price:

  • Long Lines – There’s a Wal-Mart and a Meijer practically side by side in a location near our house.  For those who aren’t familiar, Meijer is a midwest chain of stores that sells grocery and household items all under one roof.  They’re pretty similar to Wal-Mart.  The Wal-Mart has better everyday prices, probably by 2-3% overall, but my wife flat out refuses to shop there except for occasionally.  The reason being is that Wal-Mart always has long lines.  Doesn’t matter what day or time it is, my wife has had to wait in long lines so much that she won’t do it.
  • Location – We buy baby formula from Target (their Up and Up brand) even though the Kirkland brand sold at Costco is slightly cheaper (by about 3-5%).  Why?  Because we have a Target half a mile from our house, where the closest Costco is about eight miles away.  If we run low, we can have a new can in hand within 20 minutes using Target.  Not so much with Costco.
  • Return policy – When looking for kids clothing, my wife will always check at Carter’s first.  She’ll check around on price, but unless it’s drastically different, she’ll buy from Carter’s almost every time.  Why?  Because, with a receipt, you can return items at Carter’s forever.  Not so much at other kids stores.  This lets her take advantage of sales up to a year in advance because she knows that even if the kids don’t fit into it, she can return it.  That’s huge.
  • Bad experience – I don’t care if Quizno’s were to give us subs, chips, and drinks for free, I probably wouldn’t bother going there.  Why?  Because we had such a negative experience there that they lost my loyalty.
  • Outrageous shipping prices- Everybody who’s shopped online semi-regularly has

    by comedy_nose, on Flickr

    surely at one point or another abandoned their purchase once they saw how much shipping costs added to their order during the checkout process.  I have no proof, but I truly believe many stores sell items with no profit margin on the actual item, but try to make all of their profits by sticking it to you on shipping costs.

Do you ever willingly pay more for an item based on the items above?  What other triggers will exist that will make it justifiable to you to pay more?

Image: B&H Photo Video store checkout line an hour before passover starts by MichaelTapp on Flickr

Thanks for reading! Please subscribe to my RSS feed, follow me on Twitter, or check out my Facebook page. This original Money Beagle post Copyright 2012 Money Beagle is authorized to appear only on www.moneybeagle.com. Thank you for reading and remember: It’s a great day to be alive!

A Tale Of Two Customer Service Experiences

I believe that customer loyalty is something that should not be given lightly by consumers, but should be cherished by a business when it is rewarded.  A loyal customer is not only to give repeat business time and again, they will likely tell friends, family, and even complete strangers to go do business with the place that they have grown to love so much.

With this said, I thought it was worth it to share stories about two businesses which have had our loyalty for years, but with dramatically different outcomes.

Diamonds are a girl’s best friend…and so was this jewelry store….

While we’ve shopped at other jewelry stores, Store “J” has always been our go-to store of choice for our jewelry needs.  We don’t buy that much jewelry, but when we do, Store “J” is always given our first look and has ended up with probably 90% or more of our jewelry purchases.

Our first major purchase was a big one.  The engagement ring and wedding band were purchased as a set back in 2006.

When we got married, my wife was surprised when my gift to her was a nice set of diamond earrings, purchased of course at Store “J”.

A Pandora bracelet found its way into our home from Store “J” when they started to take off, and a few charms have been purchased along the way.

I gave my wife a ring and a necklace, respectively, at the birth of each of our children.

None of these were overly extravagant, and over the course of seven years or so, it’s about one purchase per year.  The point is that we always looked to Store “J” first.  We always talked about Store “J” and recommended them for our jewelry needs.

So, we were disappointed when we had a very negative experience.  There are several locations near us.  One has always been stellar, but we when we needed to drop our jewelry off for their semi-annual inspection (required by the extended coverage plans that we purchased on many items), we decided to drop them off at a different location.  When we went in, people were busy, but we still had to wait several minutes before anybody could even look over at us to acknowledge that we were in the store.

Other people walked in after us, and when the salespeople started finishing up with their current customers, it seemed that people that came in after us were helped first.

Finally, someone from the back, where the lab and cleaning area is located, came out and asked what we needed.  My wife explained what we were there for at which point the woman that was helping did not say anything, but basically held her hand out to take the jewelry…mmm…kay.

Usually the process of writing up the jewelry takes about ten minutes.  This time it took over half an hour.  The woman went through our paperwork, and even though everything was clearly there, she acted as if we were missing stuff, then would get annoyed with my wife when it was pointed out that the information was right there.  As if my wife was being the rude one.

My wife had a couple of questions and the answers she got were short, abrupt, and made to seem almost as if she was in the wrong for even asking.  Long and short, the experience was horrible.

I wrote a letter to their customer service center, outlining the experience and our dissatisfaction.  I indicated that although we always got great service at the store we usually go to, that any store with the Store “J” name should be expected to deliver the same great service.

I got a response three days later.  They did apologize and that was it.  I thought a nice touch would have been a phone call or e-mail from the store manager, but nothing of the sort came through.

We walked away still happy with our product, but a good portion of the loyalty built up over seven years was erased with that experience.  Now, if friends and family ask, instead of glowing reviews, they’ll be told to avoid that particular location, and you can bet that if we buy jewelry from somewhere else and have a great experience, then Store “J” may fall right off the map.

Girls love handbags, too….

Vera Bradley came into our sights over the same weekend.  For those who don’t know what Vera Bradley is, they make handbags, wallets, duffels, and other assorted ‘carrying things’.  Most have patterns of flowers or other designs in bright, colorful layouts.  My wife has been a fan for as long as I’ve known her.

The stuff isn’t cheap, but it usually lasts a long time, and I love it because, if I’m ever at a loss for a gift idea, I can just pick up a Vera bag or accessory, and I’m all set.

Before our daughter was born, my wife wanted a Vera Bradley diaper bag.  She got one and it worked pretty well…until it didn’t.  With everything my wife has, she never once had a problem with a bag, until the zipper started to go on the diaper bag.  Basically, the clasp started to come apart making it harder and harder to unzip until the last piece of the clasp came out altogether.

My wife called explaining what had happened.  Even though the bag was almost a year old, they told her to come into the store.  She did.  They looked at it, and even thought it was well past the normal return time allowed, and even though the bag was being sold now at a less price (as it was last years ‘model’), they took the bag back and offered her a full credit toward a new one.  Which she got and she loved.

If my wife didn’t love Vera Bradley enough before, it went up about tenfold after that experience, and if she didn’t talk about Vera before to anybody that would listen, well, anybody that mentions the diaper bag or any other Vera bag is going to get a glowing recommendation.

Two businesses had our loyalty.  Both had issues arise.  They handled it in two separate ways, and now one is on the outs, while the other is at or near the top of the list.

Both keep track of our purchase history. Store “J” and Vera Bradley both could look up what we’ve purchased over the years.  Both likely did when we started our requests.  Seeing the loyalty developed meant something to Vera Bradley, but a similar sense of importance was not conveyed by Store “J”.

Store “J” got made to look even worse, and Vera Bradley was made to look like more of the superstar, simply by the fact that both of these experiences took place on the same weekend.  Because there was such a contrast, Store “J” came out smelling that much worse and Vera came out smelling like roses.

Have you ever had a company that you’ve been loyal to completely knock it out of the water or fall flat on their face?

Thanks for reading! Please subscribe to my RSS feed, follow me on Twitter, or check out my Facebook page. This original Money Beagle post Copyright 2012 Money Beagle is authorized to appear only on www.moneybeagle.com. Thank you for reading and remember: It’s a great day to be alive!

Don’t Assume Things Stay The Same

I suffer from mild skin eczema.  I have a couple of spots on my face and hands that are prone to breakouts.  One of the things that a dermatologist found is that I’m sensitive to parabens, which as it happens, aren’t really good for you anyways.  Unfortunately, they are a cheap way for companies to make their products last longer, so you’ll find them in more and more toiletry items, such as shampoos, lotions, toothpaste, and all kinds of things.

Ingredients list of products will show parabens as ‘paraben’ is part of a longer word, but regardless, if you see those letters, it has parabens.

After I was diagnosed, I changed a good number of products that I was using to paraben free products, and also used moisturizing lotion more, as keeping your skin moist can help keep eczema under control as well.  I was using a brand of Eucerin lotion and it was working pretty well.

by Shiny Things, on Flickr

All of a sudden, though, I noticed that an area on one had was getting a breakout that wasn’t going away.  I used more moisturizer but it never got better.  In fact it seemed to be getting worse.  It suddenly occurred to me to check the ingredients list.  What did I find?

Sure enough.  Parabens!

I looked at an older bottle.  No parabens.  Apparently, Eucerin decided somewhere along the way to change their formula and include the one thing I was trying to avoid.  And, I was making it worse by using more!

I switched to an Aveeno lotion and within a few weeks, the rash on my hand went away.  Now, whenever it’s time to re-stock on Aveeno, I check the back of the bottle before putting it in my cart.  So far, paraben free (let’s keep it that way, Aveeno!)

It just goes to show, if you’re using a product for a particular reason, always check in to make sure that it’s doing what it’s supposed to do, or in my case, not doing what it wasn’t supposed to do.

Have you ever used something for a specific reason only to find out the hard way that the company changed it up on you?

Thanks for reading! Please subscribe to my RSS feed, follow me on Twitter, or check out my Facebook page. This original Money Beagle post Copyright 2012 Money Beagle is authorized to appear only on www.moneybeagle.com. Thank you for reading and remember: It’s a great day to be alive!