4 Ways For Beginners To Save With Coupons

There are many different ways to save on coupons.  Many people argue that coupons aren’t worth the time it takes to collect and use them.  Others say that coupons actually make people spend more because they use the coupon as an excuse to buy something that they wouldn’t.

I think coupons are great and that they can be used quickly and in ways that save you money.

Here are a few effective ways to use coupons:

  1. Clip them from the Sunday paper – If you get the paper, look through the coupons.  You’d be surprised to see what’s in there.  Chances are, you’ll find something that you were planning on buying during your next trip to the store.
  2. Look online – Coupons.com and Smartsource.com are great sources for grocery and home care coupons.  If you don’t get the paper, this is a great way to save.  All you need is access to a printer.
  3. Look before you check-out online – If you shop online, there’s a pretty good chance that you can find a coupon for your purchase.  Say you’re buying something from Gap.  Add your items to your cart, but before you check out, do a Google search for “Gap coupon code” and you could find a code that will save you a percentage off or free shipping, all for typing in a few characters!
  4. Keep it simple – Saving money with coupons doesn’t have to be a hard process or involve lugging around a bunch of coupons.  Start with just a couple of coupons here and there, and soon you’ll find that saving money doesn’t have to be complicated or take a lot of time.

What are your favorite coupon strategies?  Have you ever passed up a coupon because it was just too much trouble?

Should I Sign Up For A Lowes Credit Card?

I’m not one that’s much for signing up for individual store credit cards.  They often hurt your credit score, plus it’s one more thing to keep track of.  If you’re a creature of habit that knows what bills you pay every month, you might forget all about making a payment if you don’t use the card regularly.  This could be devastating to your credit score.

Despite these risks, I’m thinking about getting a Lowe’s credit card.  Right now, my Citi Dividends credit card has a 5% cash back on all home improvement store purchases.  But that’s only good for three months at a time, and is set to run out June 30th.

Now, Lowes’ has recently announced that for all purchases made on a Lowe’s card, you get a 5% discount on your purchase.

Read moreShould I Sign Up For A Lowes Credit Card?

The World Is Not Ending (And We Still Have Bananas!)

There is some strange prophecy that the world is supposed to end today.

I think that’s silly talk, and I hope that there are not people out there that have spent all of their money because they believe that it’s not going to matter after today.

But I’m sure there is at least one person who has done so, and on Monday we’ll have to read all about how they plan to move forward now that the world still spins.

It reminds me of a situation years back, probably sometime in the early to mid-1990’s.  I heard a partial news story that led me to believe that within the next couple of years, there wouldn’t be any more bananas.  I don’t remember many of the details, but a story like this tends to stick out in your head a bit.

mb-2011bananaYears went by and bananas were still pretty plentiful so far as I could tell.  By the time a few years went by, this popped into my head and as it turns out, there was one particular variety of banana that had somehow been affected and in no way were we ever at risk of not having bananas anymore.  Which is great news, since I love bananas!

So, tomorrow morning when you wake up, look around and be thankful that the world hasn’t come to an end.  Then, go downstairs and eat a banana!

Tips On How To Handle Bankruptcy Process

The following guest post is provided courtesy of SmallBusinessLoansDirect.com.

Of course, no one wants to go bankrupt.  But unforeseen circumstances can drive the best of people into dire economic conditions, and, at times, declaring bankruptcy can be the best option.  It is estimated that roughly 60% of bankruptcies are largely affected by medical bills and illness.  If you have suffered through the loss of a job, a home, or unexpected wage freezes or cuts during the recession of the last two years, and if this has forced you to consider bankruptcy, consider these facts before moving forward.

Your Credit Score Can Be Rebuilt

Many folks who are forced into bankruptcy due to extraneous reasons such as massive medical bills tend to think that their credit will never be able to be repaired.  This is simply not true.  Of course, your credit will take a major short term hit, but with steady discipline and dedication, you can rebuild your score.

Read moreTips On How To Handle Bankruptcy Process

An Example Of Why Health Care Costs Are So High

As many of you know, my wife is pregnant with our second child.  Both pregnancies have been very healthy for her, but there have been a couple of bumps along the way that have been checked out.

A few weeks ago, around her 30th week, she started having some persistent cramping in and below her stomach area.  She called the OB’s office and talked to the nurse.  After hearing that they had been going on for quite awhile, they advised that she should definitely get checked out.  They wanted her to get hooked up to a monitor to check the baby’s vitals as well as to measure whether my wife might be having contractions.

Normally, this is something that the OB office can handle.  In fact, with her first pregnancy she had a similar occurrence, and they had her come in to the office and get checked out.  Thankfully (as was the case this time), everything checked out OK, and the symptoms eventually went away after some additional rest.

Read moreAn Example Of Why Health Care Costs Are So High

No Stone Unturned: Expanding Our Search For Milk

Milk is one of those things that has quickly risen in price over the last few months.  Used to be that Meijer would have it for sale for $2 per gallon almost every week, with Kroger usually picking up the slack, to where we got it at that price probably 75% of the time.

Those days seem way in the rearview mirror.

We noticed the regular and sale prices creeping up slowly, to where $2.25 was a ‘good’ sale price, then $2.39 a week later, and $2.50 a few weeks after that.

Now, they seem to have cut the number of sales altogether, so the ‘current’ regular price of $2.99- $3.29 is there more often than not.

Since our family drinks a lot of milk (both my wife and I drink it every day plus what Little Boy Beagle consumes), this is a noticeable hit to the grocery budget.

Read moreNo Stone Unturned: Expanding Our Search For Milk

Would You Undo All Of Your Wasted Spending If You Could?

As we get older, we have more and more financial history and decisions that go along with this history that we can look back on.

Along with that, it’s easy to make a list of things that we would change, because they invariably ‘cost’ us money along the way.  Jessica at DebtKid wrote an article outlining things she would change, having had a chance to look back.  Among them:

  1. Would have worked in college versus taking out student loans
  2. Would have eloped instead of having a big wedding
  3. Would have waited to buy a house

All things that, looking back, most definitely cost her money in some fashion.  Loans have to be paid back.  Weddings are expensive.  Houses cost a lot of money and have suffered price drops.  All good points, and all things that may  have resulted in a different money situation had they been handled differently.

Read moreWould You Undo All Of Your Wasted Spending If You Could?