Financial Information

Wouldn’t it be nice to get a little assistance with your money handling? Here are several easy solutions to test out . 


1. COUPONS – You can find coupons for more than just food items Check on the web , in the newspaper and in the mail and email boxes for money saving kroger coupons you can take advantage of with your next software, children toy, bookstore, clothing or whatever purchase . You will even come accross numerous coupons that will make it easier to relax or head to the the workout center , take your better half out to eat and get your cat groomed – all with coupons. Just plan ahead and keep them in a drawer or special container.  Exchange with friends, neighbors, co-workers, church members, colleges and family . 


2. INCENTIVES – Many places like restuarants and things like credit cards offer incentive programs. Find a few places that you like to shop and start earning things like movie rewards, free food, cash rewards, points, merchandise and just about anything else you can think of . Keep up with the times, too. If your little one is big, no need to keep your Toys-R-Us Visa and get back certificates for toys any more . Call the bank and see which other programs they have, ask your friends which ones they use, look online for new deals - and transfer. 


3. ALTERNATIVES – Check out if there are different competitor products that are cheaper before you buy . Often there are competitor versions of the things you want and don’t forget about home remedies and local pharmacists to inquire about different choices to over priced medications and treatments. And many places offer discounts for package deals, like family haircuts instead of individual ones . 

4. ATTITUDE – Don’t think about on what you “don’t have.” Instead, think about on what you “do have.” Make lemonade out of those lemons; recycle what you can, reuse what you can, donate what you can . There is really no need to have new things all the time . Be satisfied with what you do own now and make it work for you! Head to the library for free help in thousands of books that can show you methods on how to get just what you want. 


So look before you go to grab your billfold. Take a time out , plan ahead with free kroger coupons , incentive programs and alternative buying solutions. Make your billfold stretch just a little bit farther and give yourself a raise!

If your interested I recently came accross a site that is offering $250 in Kroger coupons.  I recommend you have a look and then start making coupon hunting a fun family game.  Maybe give a reward to the family member that saves the family the most.


Enjoy!

Economic downturns are never much fun, but as Adam Smith observed centuries ago, these cycles of paucity and plenty are a fact of life. Though no one can say for sure when this most recent slump will reverse, there are at least sure ways of saving your money in the meantime. Here are some penny-preserving ideas tailored to our 21st-century lives:

 

1. Plenty of people are in the habit of cutting out paper coupons, but even though many of us do some of our shopping online now, not as many of us seem to have learned to coupon-hunt on the Internet. Sites such as CouponCabin.com, CouponMountain.com, and DealofDay.com list thousands of current offers at merchants all across the Web.

 

2. Use price-comparison websites like Pricegrabber.com, Shopping.com, Google Product Search, and mySimon.com to find the best deals online.

 

3. When you’re out at a store, send a text message to 46645 (Google’s text number) and enter the letter “f” and then the name of the item you’re looking at. Google will reply with a text message quoting its online prices. To compare prices at stores near you, go to ShopLocal.com.

 

4. If you don’t already belong to one, consider joining a warehouse club such as Costco or Sam’s Club and buying in bulk. This can be especially helpful if you have a large family.

 

5. Buy generic instead of brand-name products. A lot of the difference is often in the marketing hype and not the products, anyway.

 

6. Withdraw your money from surcharge-free ATMs, which can be located on AllpointNetwork.com and MoneyPass.com.

 

7. Buy locally-raised food at farmer’s markets or stores that sell local produce. Prices there are often lower since the food doesn’t have to be transported far.

 

8. Shop at dollar stores. You shouldn’t have a hard time finding them since they’ve been popping up all over the place in the recent past.

 

9. Purchase discount prescription drugs from online pharmacies. You’ll often end up paying well under half as much for the generic pills stocked by these discount prescription drug stores than you would for the same brand-name medicines at brick-and-mortar pharmacies.

 

10. If your car is seven years old or older and/or worth less than $2,500, consider dropping comprehensive and collision from your insurance.  Your deductible may be closing in on the value of your vehicle anyway, in which case a major collision would send your car to the junk yard and you to the dealership.

 

11. Keep cell-phone expenses under control. Kids today love to send text messages, so save yourself from unexpectedly high bills by paying the flat monthly fee for unlimited text messaging.

 

12. Use online classifieds to buy used items. Sites like CraigsList.org and Kijiji.com are excellent resources for finding everything you need, from pre-owned furniture to baby gear. By buying from locals, you can save on shipping costs too.

 

13. Go to matinees. The matinee showing is frequently more reasonably-priced than peak-time showings.

 

14. Install Power Planners (see www.energycsi.com/energysmart) to lower the energy consumption of your electrical appliances.

 

15. For your next date, plan a romantic picnic instead of going to a pricey restaurant. Pack a blanket and a cooler full of your favorite foods and you’ve got yourself a low-cost rendezvous. Add some color with a bottle of wine.

 

16. Instead of paying for software, look for (legal) free software from websites like Download.com and SourceForge.net. Depending on how you use a given type of software, the free alternatives will often be just as good as the commercial versions.

 

17. If anyone in your house is a student, get the Student Price Card from SPCLive.com. It’s only $8.50 and it will get the holder 10% to 15% off in scores of participating stores.

 

18. Control your thermostat. Using a programmable thermostat to adjust the temperature will save energy when you’re sleeping and away. Prices range from $30 to $120, but you’ll reduce your bill by 10% to 20%.

 

19. Consider leaving your health club. More economical options may include a gym at your work, in your building or community, or at a nearby parks and rec. center.

 

 

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