December 2011

Getting Financially Fit in 2012: Examine your Spendings

by Beth Montgomery on December 31, 2011 · 1 comment

For many, like me, this can be the hardest part of trying to get your finances in better shape – examining your spending and making changes.

Examine Your Spending

Hopefully, as you made a budget for 2012, you looked through your finances and spending for 2011. Now is the time to look at it a bit more closely, so you may adjust your 2012 budget to save more and spend less, working towards goals.

Depending on your goals, this could mean some extreme cuts in your spending, but it’s possible if you stay focused.

While looking through your 2011 expenses closely, ask yourself these questions:

  • Where was the majority of your money being spent?
  • Are there easy or obvious areas you can cut out completely?
  • Are there areas where you can cut back?
  • What changes can you make to save in areas?

Ease into Change

Making drastic changes can be hard, so start with the easiest first.

  • Could you take 10% off of your grocery budget and survive?
  • Do you need a home phone and mobile phone?
  • Will changing utility providers save you money when you consider the monthly fees, plus the fees to make the change?
  • How much will you save if you buy a latte maker and switch from Starbucks to homemade?

After you make once change, such as cutting 10% off your grocery budget one month, you may be able to cut another 5-10% off the next month. This way, you can ease into the changes, instead of going cold turkey, making the changes easier on you and your family.

Consider Drastic Changes

Of course making drastic changes may be very hard, but it can also help you reach your goals faster. It really depends on how motivated you are and your timeline.

But, while going through your 2011 finances with a fine-tooth comb, ask yourself if there are any drastic changes you are able and willing to make that will help you reach goals faster.

  • Can you live without cable? Or survive in a one-car household?
  • Would you survive if you cut 40% off your grocery budget?
  • Are there ways, such as a second job, for you to earn extra income?

The Changes Are Yours

There are so many changes you can make in your life to help you reach your goals. Each goal and family is unique, so the changes you make have to fit you.

But, to help you get on the right path, here’s a few examples of ways to cut back spending.

  • Compare utility providers, including fees to change providers, to find a cheaper alternative for your phones, cable, internet, mortgage, trash collection, recycling, and other bills
  • Walk or ride your bike, instead of driving
  • Cut your own (and your family’s) hair and do other beauty treatment yourself
  • Clip coupons, watch sales, and keep a grocery price book to make sure you get great deals and never pay full price for items you need
  • Cut unnecessary bills completely out of your life
  • If you can, pay extra on bills going towards paying off debt, your home, cars, etc…. Even simply rounding a bill for $34.14 to $35 will help you pay off that bill a little bit quicker, eventually freeing up a section of your finances.
  • Investigate purchases, like college text books, home improvement, classes, and even eating out, before you invest to see if there are ways to save on your purchase.
  • Plant a garden if you love to cook at home
  • Only dine out when kids eat free or you have a restaurant couponsto help you save.And, remember your final goal to keep you motivated!What changes have you made in your life to help you save? What changes to do you plan to make to help you save more?

Read more of the Getting Financially Fit Series

Part 1: Setting Goals

Part 2: Creating a Budget

 

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rite aid deals

Rite-Aid Sale: January 1, 2011

In my opinion Rite Aid has some of the BEST pharmacy deals, but that could be because we don’t have one here in Central Indiana and I am a bit jealous.  Although they are a national store with nationwide ads, make sure you double check our prices with your local Rite Aid ad to avoid any surprises at the register.  Check out the tips and hints for shopping at Rite Aid to really maximize your savings. And don’t forget to keep the Rite Aid Coupon Policy in your coupon holder to help you (and your cashier) when needed.

If some of our lingo confuses you; you aren’t alone! Check out the coupon term and abbreviations cheat sheet for help!  Something on YOUR list that isn’t on OURS? Just search the Coupon Database before heading out to the store.

These deals were contributed by “Cents” able Momma.

**Special Note: Rite Aid has alot of store coupons that are also stackable so check out the  Rite Aid Ad Perk before you shop.

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Freebies
 
 
 
Single Check Rebate and +UP Reward Deals
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Other Deals
 
 
 
 

Visit “Cents” able Momma for all the Rite Aid deals this week.

Before you shop, check out all the recent store deals and Rite Aid deals!

 

In Good Cents contributes to the Becentsable’s Grocery Gathering.

 

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Preview Walgreens Deals & Coupon Matchups 1/1/12

by Beth Montgomery on December 31, 2011

in Store Deals, Walgreens

walgreens deals

Walgreens Sale: January 1 – 7, 2011

Although Walgreens are a national store with nationwide ads, make sure you double check our prices with your local Walgreens ad to avoid any surprises at the register. Walgreens can be sort of complicated to shop at, so check out the tips and hints for shopping at Walgreens to really maximize your savings. And don’t forget to keep the Walgreens coupon policy your coupon holder to help you (and your cashier) when needed.

If some of our lingo confuses you; you aren’t alone! Check out the coupon term and abbreviations cheat sheet for help!  Something on YOUR list that isn’t on OURS? Just search the Coupon Database before heading out to the store.

These deals were contributed by Saving in Akron.

**Special Note: Double Check the Walgreens Coupons before heading out! These are stackable with manufacture coupons!

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FREEbies
 
 
 
 
REGISTER REWARDS
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OTHER DEALS
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
FILLERS
 
 
 
 
 
 

Visit Saving in Akron for all the Walgreens deals this week.

Before you shop, check out all the recent store deals and Walgreens deals!

 

In Good Cents contributes to the Becentsable’s Grocery Gathering.

 

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Preview: CVS Deals & Coupon Matchups 1/1/12

by Beth Montgomery on December 31, 2011

in CVS, Store Deals

CVS deal

CVS Pharmacy Sale: January 1, 2011

CVS is one of the easier drugstores to learn how to coupon shop at. Although they are a national store with nationwide ads, make sure you double check our prices with your local CVS ad to avoid any surprises at the register.  Check out the tips and hints for shopping at CVS to really maximize your savings. And don’t forget to keep the CVS coupon policy your coupon holder to help you (and your cashier) when needed.

If some of our lingo confuses you; you aren’t alone! Check out the coupon term and abbreviations cheat sheet for help!  Something on YOUR list that isn’t on OURS? Just search the Coupon Database before heading out to the store.

These deals were contributed by Clipper Girl.

**Special Note: Make sure you have your CVS Extra Care Card, most of the deals listed will not work without it! Also don’t forget to scan your card each time you go to CVS at the Red Coupon Machine at the front of the store; it will print store coupons that can be stacked with manufacture coupons.

Sorry, expired!
FREE
 
 
ECB DEALS
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
B1G1 DEALS
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OTHER DEALS
 
 

Visit Clipper Girl for all the CVS deals this week.

Before you shop, check out all the recent store deals and CVS deals!

 

In Good Cents contributes to the Becentsable’s Grocery Gathering.

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Deals for your home

These wonderful deals for your home are brought to you by Ann-Marie of Chaos Is Bliss.

  • Frugal Noisemakers: There’s no need to buy noisemakers from a party store for New Year’s Eve! Make them at home, with any lidded container, colorful construction paper and rice or dried beans. Anything covered in colorful paper is automatically fun for my kids, especially when they can decorate it with stickers, glitter glue, markers and whatever else they can find. Use aluminum foil for a shiny, sparkly surface to your homemade noisemaker. Even an empty paper towel tube can be filled with dried pasta, taping the ends closed for a rainmaker effect. Have fun with your kids and find more inspiration for New Year’s Eve noisemakers and other crafts from Family Fun.
  • Up to 50% off at Pier One:  Stop by Pier One’s After Christmas Sale and take advantage of discounts up to 50% on  tableware, decor and accessories in holiday themes and year-round.
  • Extra 15% off at Macy’s:  Macy’s is having a New Year’s Sale. Now through 1/2/12 save an extra 15% off your purchase, or 10% off home goods. Use promo code NEWYEAR for your discount. Orders over $99 ship free.
  • Tasty New Year’s Eve Recipes:  As far back as I can remember, New Year’s Eve meant appetizers for dinner. Whether it was my parents entertaining friends, hanging out with my best girlfriends before a night on the town, or even now when we count down to 10 o’clock with our own children.

Before you shop online, always search the online coupon code database for FREE shipping coupons and more ways to help you save.

About Ann-Marie: Ann-Marie is a SAHM of 3 fun-loving kiddos. Her passion for sharing tips & deals with everyone (literally - therapists, technicians, random strangers in line) inspired her to begin her own blogging journey. Chaos Is Bliss was launched in October 2010 to share ideas on all things home & family.

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home depot free workshop

Home Depot has another FREE Kids Workshop coming up soon! Kids (and their famlies) can stop by to participate in the FREE Make a Savings Shed workshop on Saturday, January 7, 2012 from 9:00 AM until 12:00 PM. Kids will make their very own shed piggy bank!

Home Depot FREE Kids Workshops are for children ages 5-12 and are offered the first Saturday of each month. Each child will get to take home their creation, plus will receive a kid-size orange Home Depot apron and achievement pin for their work!

Find out more places your kids are FREE!

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