Guest Blogger Round Up

Posted on April 30th, 2009 in Guest Blogger by sharon

A big thanks to all our guest bloggers during the month of April. It was great to have such a varied array of articles and perspectives on frugal living and couponing. If you missed any of the posts, here’s a list. Be sure to leave a comment — authors love feedback! And don’t be afraid to ask questions!

Article Courtesy Of
Why Bother to Coupon? Half Price, Full Pantry
3 Steps to Living The Good Life on a Shoestring ShoestringMag.com
A coupon covert Melissa Miller
7 Grocery Shopping Tools You Can’t Leave Home Without HomemakerBarbi
Rebates: A Little Work, a Lot of Profit Fort Worth on the Cheap
Getting the Biggest Bang for Your Coupon Buck CheapToday.com
Preparation and Organization ClipperGirl56
Getting Paid to Shop KellyH

I’m excited to do another guest blogger month in the future. If you’re interested in participating, please send me an email.

A big, big thanks to all the guest bloggers! You all were terrific and I was honored that you’d share your knowledge, skills and strategies with me and the CheckoutChicks audience. Thank you again.


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Getting Paid to Shop

Posted on April 30th, 2009 in Guest Blogger, How To by Guest Blogger

By KellyH, RichmondMommies.com member

I love getting stuff free. I’m sure half of America does. Lots of people cut coupons, but don’t usually use them. And that’s just flushing your money and time down the toilet (or, more literally, throwing it out when you toss the old coupons you spent the time clipping and forgot/didn’t remember you had/couldn’t have been bothered to pull them out when you were shopping and actually brought them!). So, how do you become a bit more organized and actually use those coupons? Well, it make take a bit of time, but isn’t your time worth it? Not to mention your bank account?

I’ve heard of people playing the CVS game, and I was curious. Like I said, “free” is a favorite word of mine. So I started paying attention. Within a few trips, I think I’ve done very well for myself. My biggest trip was Boxing Day (the day after Christmas). Had my mother not been with me, not that she thinks I’m a liar, but she wouldn’t have believed me. I’m not a big exaggerator (well, most times anyways) but she couldn’t wrap her mind around how I got so much for so little.

After sitting at the kitchen table chatting and drinking my pot of coffee (you do need a LITTLE bit of stamina to save money sometimes), I figured out how to buy $190 worth of stuff for $7.80 out of pocket. Can’t beat THAT with a stick, eh? It took me about one hour to figure out what CVS was giving out for free, which coupons I had and in which order I needed to buy things (I had three separate transactions) in order to maximize my ECBs (Extra Care Bucks). I’d tell you exactly what I bought, but I didn’t keep my receipts.

But here’s a quick example of another great trip where I was PAID to shop there. I bought a Schick Intuition Razor (8.99), Crest Pro Health toothpaste (3.49), the new Colgate Wisp toothbrush thingies (1.99), the new L’Oreal Everpure shampoo and conditioner (6.99 each) and a L’Oreal hair dye kit (7.49). The total was $37.74 including tax. But, thanks to my manufacturer’s coupons, a $5 off $30 CVS coupon that I printed out from the scanner at CVS (some of the newer or revamped CVS stores have a little scanner where you can scan your card and it’ll print out coupons — here’s a tip: keep scanning the card until it says that no more coupons are available. Sometimes it’ll only be once, sometimes up to three times) and using my Extra Care Buck coupons (referred as ECB’s), my grand total was $5.74. HOWEVER, I also EARNED $11.49 in ECB’s. So, technically, I was PAID $5.75 to shop there and walked away with $38 in products!

Oh, and I didn’t really pay $5.74 out of MY pocket. I also had some prescriptions that I had to transfer to CVS and I found some $25 coupons in the Rite-Aid flyer where they’d give you $25 for transferring a prescription to them. Well, CVS honors those coupons, too. So, that $5.74 came off of the gift card I had for transferring a prescription there. PLUS, for every 2 prescriptions you fill at CVS, you earn $1.00 ECB which prints out 4 times a year. Plus, you earn a small percentage on everything you spend there. I just earned $11 this last quarter…though most of that was due to prescriptions being filled.

I just went to CVS again today and bought $47.72 worth of products (Garnier Shampoo, Schick razor, Zyrtec, Charmin toilet paper and medicated Bandaids). After my coupons and using $17.39 in old ECBs, I spent $6.19 OOP and earned $18 in ECB - and again, that $6.19 was actually NOT out of MY pocket as I still have money left on one of my $25 gift cards.

I’m getting good with my coupons at Kroger, too. Not that I’m walking out with $500 in groceries for $5 like you see some people do on the news, but I’m saving a minimum of 30% upwards of 70% on my grocery bill just by paying attention to what’s on sale and matching up my coupons. On one of my smaller shopping trips, I bought $76.33 worth of groceries for $36.65. That was a savings of 53%. And had I not bought the frozen Tiramisu that I wanted to try as a treat to myself and the $3.99 Lactaid milk that we were trying my daughter out on, my savings would have been closer to 69%!!! And that was simply by matching my coupons to what was on sale that week. A more recent trip saw me paying only $83.91 for $157.17 worth of groceries which was a 47% savings. I don’t always have a coupon for everything I buy, but I do try to find one. And spending just an hour matching my coupons to sales earns me about $30-$70 an hour. And I don’t have to pay taxes on that! ?

There are a ton of coupon sites out there. Not only do I cut out coupons every Sunday morning from what comes in the paper, I also print them online from www.coupons.com and use shortcuts.com to electronically download coupons right to my Kroger value member card (which is a card that has to be scanned to get my sale prices).

So there it is! It’s not very hard to get paid to shop, or at least pay as little out of pocket as possible. Just spend a bit of your time to save!


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Preparation and Organization

Posted on April 29th, 2009 in Guest Blogger, How To by Guest Blogger

by ClipperGirl56 - Twitter, blog

I have been a frugal shopper for just over two years. In that time, I have learned that the key to successful shopping is preparation and organization. There is nothing more frustrating than getting to a store and realizing that I don’t have my coupons. . . or getting home from shopping and realizing that I have forgotten about a great deal. After much trial and error, I have finally found a method that works for me. Since it saves me time. . . . and frustration, I thought I would share it with you.

First, I do not cut out every coupon. I tried the binder method, but I was just not disciplined enough to cut out the coupons and file them.

Second, I have found a wealth of information from other bloggers. I can find the deals quickly and easily by browsing a wide selection of blogs. These awesome women have done the work for me by locating the deals, the coupons that match the deals - they even let me know what my out of pocket will be. So, check out those blogs. Then either add them to your favorites - or better yet - subscribe to them by email or RSS feed.

To see which hot drug store deals I want to take advantage of, I check out my favorite savings sites on Saturday night. (Your favorite blogger probably has the highlights of Sunday’s drug store deals up on Saturday). On Wednesday evenings, I check for the grocery store deals. To ensure that I do not forget the deals that I am interested in, I copy and paste the deals onto a Word document. I color code the deals as FREE, MONEYMAKER and good deals. Then I cut out the coupons I will need.

Third, the best way that I have found to make sure I do not forget a deal or coupons is to make up a small binder that I carry to the store. It is a 1 1/2″ binder that will hold dividers for each store. The dividers that I have chosen have a flap that I can stick my flier and list in and also has an index card pocket where I store my coupons. This method enables me to have everything I need at my fingertips when I enter the store.

By preparing for my shopping and organizing my lists and coupons, I have saved myself a lot of headaches and frustration.


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Twitter Weekly Updates for 2009-04-26

Posted on April 26th, 2009 in Twitter/Tweets by sharon

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Getting the Biggest Bang for Your Coupon Buck

Posted on April 23rd, 2009 in Guest Blogger, How To by Guest Blogger

I have to admit when the coupon trend started I didn’t have much faith until I tried it. My experience with coupons included offerings for $.50 off high priced brand named grocery items in the Sunday newspaper, since generic brands always gave me the same item at a lower cost even after coupons, I was never that thrilled.

But after watching features on the Today Show and Good Morning America, curiosity got the best of me, and I found that coupons have taken a whole new form in the digital age. Now you can find coupons and coupon codes online for a wide range of items at great savings. Like the $25 off Olay Pro-X coupon at Drugstore.com we ran at CheapToday.com in March. This coupon has now expired, but new deals keep popping up every day.

Here’s what I do to get the biggest bang for my coupon buck when I am deal hunting:

  • The old saying “don’t put all you eggs in one basket” still applies. Coupons are an excellent tool for budgeting, but if you rely on them exclusively, you could miss other chances to save.
  • Make sure the coupon price is truly a bargain. If you’re uncertain what a good price for an item is, use a comparative shopping tool like Nextag. If you enter in an item such as Nicoderm, you can quickly see that the price for this item usually runs around $49.00, so the coupon Nicoderm CQ is offering for $7.00 off plus a free sample is a pretty good deal
  • One of the most effective uses for coupons is to get the brand name items you simply can’t live without at a discount price. Let’s face it, sometimes the discount store version is just not going to cut it. Sure you can always get shampoo for a $1.00 at the Dollar Store, but you hair will look like a broomstick. Check your local newspaper, deal sites, the manufacturer’s website, and your local stores frequently to stay on top of coupons and offers for your favorites. Then stock up!
  • Go to the websites of your favorite brands, stores and restaurants. Many times if you sign up for their newsletters you will get coupons and offers not available to the general public. I have done this with ProFlowers.com and OmahaSteaks.com. Even though both sites have good deals on their sites, the coupons I am getting for signing up are even better. Red Robin even sent me a free burger coupon on my birthday!
  • Staying consistent is a big part of getting the most out of coupons. Find four or five coupon sites or clubs and check them regularly to get the hottest deals when they are available. Shop ahead and stock up on items when they are sale priced.

Include other deal sites in your frugal shopping strategy they will help you stay on top of all the bargains, and can help you find coupons and codes that might not show up in strictly coupon focused sites.
Is it worth the effort to track coupons? Try coupons for a month and see how much you save, you might be surprised. I know I was.

This money saving tip was provided by Renee LaVoie, a deal hunter and writer for www.cheaptoday.com.


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Earth Day Savings from Walgreen’s

Posted on April 21st, 2009 in Freebies, Walgreens by sharon

Click here for discounts plus a free reusable bag with purchase.  Leave the plastic bags at home and start using those reusable bags!

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Twitter Weekly Updates for 2009-04-19

Posted on April 19th, 2009 in Twitter/Tweets by sharon

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Rebates: A Little Work, a Lot of Profit

Posted on April 16th, 2009 in Guest Blogger, Rebates by Guest Blogger

By Jennifer Acosta Scott, founder of Fort Worth on the Cheap

Just moments before sitting down to write this blog post, I opened one of the cabinets in my master bathroom to grab a new hand soap. As I poked through my stockpile, I realized that at least 75 percent of the 25+ items in that cabinet had been obtained for free. And while I got a few of those free items by combining sales with coupons, most were secured by way of rebates – handy little promotions that give you some (or all!) of your money back when you purchase specific products.

Many people roll their eyes at the thought of rebates. They’re fussy. They have lots of fine print. There’s a lot of paperwork to keep track of, receipts to save, and UPCs to clip. But they are a real money-saver, especially if the product is something that you already buy anyway.

So, where to find rebate offers? The grocery store or drugstore shelf is a good place to begin. Many companies that participate in rebate programs will put stickers or hangtags on the products that are included. Look for the words “Try Me Free.” There are also a few online compilations of rebate offers. This site is a good one that’s kept pretty up-to-date. Walgreens also has an EasySaver rebate program, which offers full or partial refunds on certain products bought at Walgreens stores, but this program is being discontinued at the end of April. You can still take advantage of it this month, if you hurry.

Now, to be a successful rebater, you need to be organized. Buying the product, stuffing the receipt into a dark corner of your wallet, and promptly forgetting about it will not work. That’s what the manufacturers hope you’ll do. Stay ahead of the game by doing these things:

Mailing it promptly. Many rebates require you to send in the forms within 30 days of the product purchase date. If you mail it on day 31, you’re out of luck. When I buy a product that offers a rebate, I like to come home from the store and put all the paperwork and forms in an envelope immediately, then mail it at my earliest convenience. If there’s a rebate that I can’t send in right away – say, an offer on a half-gallon of milk that requires a UPC clipped from the carton – then I put everything else in the envelope and leave it in my kitchen drawer until I can get all of the components together.

Making copies. Rebates can be lost in the mail or lost by the rebate processing center, and in those cases, you’ll need to forward copies of all the documents you sent in to get your refund. For low-dollar rebates, I don’t bother. But if a rebate is worth $10 or more, I copy everything, including the UPC, and keep it in a file till I receive my check.

Reading the fine print. Some rebates require a lot of stuff. Many ask that you send in the “Try Me Free” sticker along with the receipt. Others, like the satisfaction-guaranteed rebates, may want you to write down why you didn’t like the product. Most will want you to circle the item on your receipt. Make sure each and every one of these things is done. Don’t give them an excuse to disqualify you.

Keeping track. If you do a lot of rebates, it’s hard to remember when you sent the forms in and when you should expect to receive your check. I keep a Word document on my computer that contains the following items for each rebate: The name and description of the offer, the deadlines for buying the product and mailing the rebate, the maximum reimbursement amount, a link to the form (if there is a form to print from the Internet), and the date that I mailed in the envelope. When I get a check, I go back to the document and make a notation.

One additional note: If you’re taking advantage of more than one rebate in a single shopping trip, do two separate transactions so you have two receipts to mail in. Photocopies of receipts don’t fly with rebate processors.

Now, a few words on “satisfaction guaranteed” rebates. Many companies will offer to refund your money if you buy their product and don’t like it. Some deal hunters will ask for the rebate, even if they are satisfied with the item. I personally do not feel this is an ethical practice. I happily take advantage of rebates specifically advertised as “Try Me Free” or “Free After Rebate,” because those don’t imply that dissatisfaction is a requirement for the rebate. But I only send in for satisfaction-based rebates when I am unhappy with or disappointed by the product. If I don’t feel that the product lived up to the manufacturer’s hype, then I feel okay doing the rebate. Do what you are comfortable with.

Rebating may sound like a very complicated process, but it really isn’t. Only a small amount of forethought and work is required. (Believe me – I’m one of the least organized people out there. My taxes still aren’t done, if that tells you anything.) So if you’re unsure about getting in on the refunding game, just do a few to start out with. I’ll bet that when those checks start arriving in the mail, you’ll be hooked like me.

Jennifer Acosta Scott is a writer based in the Dallas-Fort Worth area. She is the founder of Fort Worth on the Cheap, a blog dedicated to bargains and discounts in the Fort Worth area. She’s also written for many other publications, like Bankrate.com, Health, Plenty Magazine and the Dallas Morning News. You can see some of her work online at www.jenniferacostascott.com.


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7 Grocery Shopping Tools You Can’t Leave Home Without

Posted on April 13th, 2009 in Guest Blogger, Strategy, Tools by Guest Blogger

by Danelle Barbi Ice, founder/editor of Homemaker Barbi

Getting the best shopping deals is on all of our minds, and learning the best shopping strategies is at the heart of our endeavor. However, if we’re heading out to the stores without the proper tools, even the best intentions can be sabotaged! We’ve compiled a list of the 7 grocery shopping tools you can’t leave home without (even on a quick trip) to make sure you’re a shopping superstar!

1. Calculator. Unless you’re a whiz at doing math in your head, having a calculator handy during grocery shopping can be a lifesaver. There is no way to know if a coupon/sale deal on a big brand item is better than its generic version unless you’re looking at unit price (price per ounce, price per pound, etc.). While some stores go the extra mile and put the price per unit on the shelf, that’s not always the case. Be prepared to do the math yourself!

2. Coupons and coupon organizer(s). The key to making coupon shopping work is to make sure that your coupons are portable and organized well. Having a huge organizer filled with coupons is pointless if you can’t find what you need once you’re at the store. There are about as many different ways to organize coupons as there are people! Small portable solutions such as plastic accordion files, index card organizers, and more are everywhere. Whichever method works for you, make sure it is easy to locate different types of products in your system. Above all, never set foot in a store without your coupons. Paying more for an item than you have to is really a sad thing!

3. A drink and an emergency snack. Frugal shoppers know that comparing prices and finding the best deals can really take some time. As your shopping trip gets longer, you might find yourself thirsty or hungry and be tempted to hit the in-store Starbucks for a little caffeine and snack on the go. This kind of snacking splurge will only work towards spending the extra money you’ve saved from frugal shopping! Better to be prepared and bring your own drinks and snacks with you to the store. Pack a travel mug filled with coffee or water and a granola bar or bag of crackers as a snack.

4. Shopping list and highlighter. Having a shopping list as a guide can save you from spending time looking at items you don’t need.

5. Notepad and pen. You may want to make notes about products so that you can compare the prices to another store. Not sure if the prices will be lower in a bulk package from the warehouse store? Write down prices for comparison for the next shopping trip. Don’t forget to make notes if you want to see if certain items are cheaper online.

6. Comfortable shoes. Pushing a full heavy shopping cart around the store can be strenuous work. Bargain shopping means spending a little extra time in the store to compare prices and look for the best deals. Make sure to treat your feet right by wearing comfortable shoes with supportive soles to keep you running from deal to deal!

7. A plan. Going out grocery shopping with no plan is a sure recipe for disaster! Know which stores you plan to visit and review their weekly sales ads (in the newspaper or online) before you go. Write out a shopping list to use as a guide, and bring along your coupon organizer. Most of all, don’t forget to hit the best grocery blogs, like Checkout Chicks, to find all the sale/coupon matchups of the week.

Planning ahead for your shopping trip can help you reap the rich savings of being a thrifty grocery shopper. Make sure you have the right tools to help you get the job done- in true frugal style!

————-

This guest post is by problogger Danelle Barbi Ice. She is the founder/editor of Homemaker Barbi, an online Home & How-To magazine with free resources specializing in homemaking, frugal living, printable checklists, and more. If you like this article, please subscribe to Homemaker Barbi for free!


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Twitter Weekly Updates for 2009-04-12

Posted on April 12th, 2009 in Twitter/Tweets by sharon

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