Quality Health has been around for a while and I’ve been a member with them for a few years. In the time that I’ve been a member, they’ve expanded a lot and have included health related forums, blogs and groups. What I most enjoy about it is the free coupons, discounts, and special offers. Registration is free. Click the banner below to start getting samples and coupons delivered to your door.
Written by Carol, one of our readers:
We’d all like to save money each month, but how to go about it is another story. Start by making a budget; that scary, imposing, restrictive plan that keeps you in line. Only it doesn’t have to be that way, a budget is really only putting down on paper your priorities and recognizing you absolutely cannot spend more than you make in any given time period. It also, contrary to popular belief, doesn’t have to come together in one sitting, start the first month with just writing down general categories and amounts. Over time you can refine and fill it out more completely. It took us three months to get a good handle on our budget, each month getting more and more detailed, even today we are constantly adjusting the numbers.
Once you know where you money is going it is now time to start trimming the fat. If you look at your monthly expenses, looking to saving $500 it will seem overwhelming and impossible. But what if instead you looked at shaving a few dollars off each item? As we began looking at our budget we decided to go through and renegotiate each item we could. After knocking out the cable and downgrade our cellphone plan – saving $65, reviewing our car insurance and changing our coverage – $25 less and changing our restaurant habits to only twice a week. This all totaled approximately $125 a month in savings. Besides the mortgage payment, food and general merchandise are our biggest expenditures.
Even with the constant coupon clipping and avoiding the pricier groceries stores we couldn’t make the budget numbers and the real world numbers agree. That’s where web surfing finally began to payoff. There are plenty of websites out there that can multiply you efforts. The blogs that track specific stores rewards programs, letting you know what items are free or worth the most rewards points/bucks, will give you an edge. Lots of promotional programs let you trade your name and email address for free samples and /or coupons.
Also look to farmer’s markets and co-ops, we spend $17 every two weeks for $50 worth of fresh fruits and vegetables. Little by little we have shaved almost $200 off our monthly grocery bill.
Try once a week cooking, or once a month cooking if you’re ambitious! There are so many tasty once a week cooking recipes out there that you’re bound to find some that you like.
Due to the fact that we didn’t start our marriage with the financial acumen that we now possess there is a tidy sum sitting on credit card balances. This can be a dangerous lever, waiting to dump us over the edge at a moments notice. We headed it off by finding a low APR, zero interest on balance transfer offer and moved everything we could onto that card. Then we proceeded to cut up our physical cards except for one emergency card and have begun applying the snow ball methodology. The snow ball theory has you paying off the lowest balance card while making minimum monthly payments on the others, as you pay off a card you roll what you had been paying on it into you payment on the next one. With this consolidation we erased about $50 a month in additional interest fees.
Lastly, we began looking at efficiency around the house and in our travel habits. By lowering the thermostat by 3 degrees and running only full loads in the dryer, we cut $15 off the electric bill. Using public transportation and walking for quick trips to the nearby store translated into more than half a tank of gas saved every two weeks; which at today’s price means $50 a month left in our pockets. Together we have identified our spending priorities, changed our spending habits and challenged ourselves to find fun and rewarding ways to save a little bit in each category on our budget. This has tallied up to savings of almost $400 a month, which comes in handy when saving for the next rain day.
Tags: budget, coupon clipping, debit and credit, free samples, grocery bill, Money Saving Tips, monthly expenses, save money, Save Money With Coupons, ways to save moneyRelated posts
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This is a guest post by Lorraine, one of our new readers:
For me, organization is the key to saving money with coupons. I work on finding and organizing coupons just once a week, and generally save $5 or $10 a week from my shopping bill. I search for online sites that offer coupons for the items I usually buy, and register and bookmark the pages for easy return. Some sites allow you to load coupons to a store card electronically. Others allow or require you to print the coupons. I normally look for food coupons, but I also use coupons for cleaning supplies.
Next, I check the local advertisements, and once I know what products are being offered for a good price, I pull out any coupons that can be used on my next shopping trip. I also use some higher-denomination coupons to try out a new but higher-priced item, or to occasionally splurge a bit on a special item. Since an expired coupon is a useless coupon, I keep the printed versions in a small tabbed file container, about the size of a recipe file box. Each coupon is stored according to its expiration month, so I never encounter problems at the checkout counter.
When I am in the store aisles browsing merchandise, I compare prices associated with the coupon-item I’m thinking of buying. If there is another acceptable brand that would be less than the discounted item, I put the coupon away for later use. It is important to check whether a coupon discount will really get you the best deal. Sometimes there are other offers that beat the coupon you have – a different size that is even less expensive, or an in-house sale price that cannot be combined with coupons, for example. By using coupons to look for the best deals, I also learn to shop with discrimination. It pushes me to check the price-per-unit of a grocery item, and to consider no-names or generics.
Coupon use also helps me to plan out my shopping, rather than pick up items from memory (or impulse) as I go down the aisles. I am sure that focusing on coupons, and the list of items I intend to buy, has saved me even more than just the coupons alone. Remember to toss out expired coupons, and to share higher denomination coupons with friends who may want them. You can find coupon sharing clubs on the internet, at church, work, or through you network of friends. Everyone enjoys getting a good deal, and if all else fails, I’ll leave an unexpired coupon (for something I have decided not to buy) right next to the product on a store shelf. Who knows, the next person to come along may be looking for that exact item and use the coupon themselves!
Tags: Money Saving Tips, save money, Save Money With Coupons, saving money
