Tag Archives: Shopping

Shop Smart. Eat Smarter!

It was fun reading various social media posts from people talking about how much more food they were eating than normal, and listening to their predictions about how much weight they were going to put on doing the social distancing, safer at home time period that we found ourselves in this past spring.

I remember saying to at least one person that they can’t eat what they don’t buy. With so many restaurants that were closed down during those early weeks of the “safer at home”  period, I told her that if she was eating a lot of foods she deemed unhealthy; then it was because she was buying a lot of those foods that were unhealthy. And once they’re in the house, then it is truly challenging to ignore and avoid them; especially during stressful situations. 

I never actually thought about what they were calling the “covid 19,” and I don’t even know anyone who actually put on 19 pounds over the past months. I’m sure there are some of my friends who did gain some weight. For me, Covid-19 aside, I’ve always had one foot in the land of dieting, swearing off sugar or carbs or both, and promises to eat better, exercise, and get more rest. But 2020 has been different. The wake up call of hearing that health, nutrition, and a strong immunity system seemed to be important factors in fighting off the worst of the Coronavirus symptoms was enough for me to give it more than just a “here we go again” try. So I vowed to buy, and therefore eat, as much fresh fruits and vegetables; nuts and seeds; and healthier food choices such as oatmeal and peanut butter, as I could, while in this period of being safe at home.

Knowing that fresh produce does often come with a higher price tag than just grabbing something off the shelf, I made a point of working on my budget; shifting the money I would normally be putting into the gas tank, to help justify spending the extra money on the fresher groceries instead.

It was actually a fun process, picking and choosing things I may not normally eat; at least not on a regular basis. And healthy choices shouldn’t just be what we do when we’re afraid of getting sick. It should become so much of a lifestyle, that we seldom get sick. At least, that’s what I hope to make it for me.

Now, as many of us are sadly living in areas that are heading back towards where we were over three months ago with this virus, the need to stock up on good food items may come back around. But even if it doesn’t, and I certainly hope that’s the case, it doesn’t hurt to invest the time and money into your own health.

Now, if I can just get the whole eight hours of sleep down!

 

 

 

Burnt Toast and a Crock Pot

Recently I was having a texting conversation with a friend of mine who lives in another state. We haven’t seen each other in years, but we manage to stay in touch, like many people, through email, texting, and social media. We’ve been talking a lot more lately with everything going on with COVID-19 in the country.  One of our conversations was on a day when we had both made a quick run to our grocery stores to stalk the pantry and the fridge. We joked back and forth about wiping off the plastic grocery bags with disinfectant wipes. And I laughed when she sent me a picture of her purchases because I had just shot of video of my shopping trip (for an upcoming post), and realized our grocery filled counters looked very similar (mine above; hers below) “right down to the carrot cake mix,” I told her.

After we’d chatted a bit, and I discovered that she shopped weekly in order to keep fresh produce in the house, I asked her how that was working out for her financially, since weeks earlier, she had unfortunately been laid off from her job like so many others resulting from the pandemic’s negative impact on the economy. When we spoke, she was still waiting on her first unemployment check, but we talked about how she’d made it a priority to eat healthy, even through these times when she also had to watch how she spent her money. As we talked more about not only her shopping habits, but cooking, I asked her if she would be open to sharing a little about her ventures to my followers.

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If you’re anything like me, when that lock down took effect, I got worried. I wasn’t too worried about the financial aspects because I knew unemployment would be coming my way. The worry was about eating! OK, I admit it, I’m a lousy cook. My mantra is “I never cook for people I love,” except my ex-husband! How do you think I got rid of him so easily?

I’ve always been a career focused woman without a direction in cooking. I had an awesome boyfriend after my divorce that would cook for me or take me out to dinner. When I lived at home, my mom and dad were the chefs! Dad was an expert on the grill. Mom would make us yummy Slovenian dishes and desserts. Her homemade bread? Well there’s no describing it. But me? I have to buy two loaves of bread just to get two edible pieces of toast because I’m constantly burning them. How do you set those toasters anyway? So complicated.

Being a vegetarian, I don’t have to worry about meats, poultry and fish. But I do get concerned about eating too many carbs. When a vegetarian goes out to dinner and lets the waitress know they are vegetarian, the first thing they do is bring a big plate of pasta with tomato sauce poured over it. Yuck! Even “I” can make that! I don’t like to eat heavy in the evenings so most of it would go to waste.

I guess the reality finally hit me by the middle of my first week in lockdown… I don’t have any food in the house! Thankfully I have a wonderful friend who just so happened to call me just as I was “also” down with the flu. Knowing I’m not a kitchen girl, Mary asked me where the crock pot was that she donated to me a few weeks earlier. My response was one of, “uh … well, um ….” Within an hour, she knocked on my door, slid her hand inside, which was holding a brown paper handle bag filled with goodies, AND instructions on how to use the crock pot! When I opened the bag I thought, “What! You mean I have to “put this stuff into the crock pot!” I was a mess.

Except for the just made warm loaf of challah bread, in the fridge the bag went. And there it sat.

Two days later I pulled out the goodies and my crock pot. I was actually quite impressed. She brought me carrots, celery, fresh parsley, and several little jars filled with measured spices, barley, vegetable stock, etc., And a “recipe”! All I needed to do was put everything in the crock pot with some filtered water, turn the dial to 4-hours, and I was golden! Wow! What a concept.

I took all of the recipes she so generously printed out, along with some recipes my sister brought back from Australia, and I made a list of the foods that I would like to eat and would be able to make in my crock pot.

During my trip to the grocery store, I bought fresh fruits, spring mix lettuce, baby spinach, mushrooms, fresh and frozen vegetables, almost ripe avocados, golden potatoes, high protein pastas, nuts and seeds, some cheeses, sour cream, eggs, vanilla yogurt (to protect my good bacteria), a greek olive mix of feta, kalamata and Spanish olives, ground spices, and a fresh loaf of my favorite Tuscan bread. Yes, two loaves.

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My kitchen was flourishing. For two weeks I made the most delicious foods that not only kept me healthy and filled up, but I lost weight! I was so proud of myself! I had a kitchen filled with beautiful fruits and veggies that I put on display, a new selection of fresh herbs and spices, and my two loaves of Tuscan bread. My freezer had some frozen fruits for smoothies, plus I treated myself to some pierogies. Yes, I did.

In my venture out, I opted to go to Aldi’s. They have great prices and a large selection of organic choices. The avocados were on sale so I stocked up as much as I could knowing they’re perishable. The bread was at Giant Eagle, so I made a trip across the street. Much to my surprise the prices at GE were LESS than Aldi’s! I was very surprised. The third stop I made was to Big Lots – they have some organic spices that really saved me a lot of money. With all this shopping, my bill was less than $70! Did it take extra time, yes, but it was a great day to start my new venture with my crock pot … my toaster, and my pots & pans. I need new ones, by the way. I should send a hint to Mary!

No matter your opinion is about the CV19 lockdown, the reality is we have to go on with our every day. We have to get up in the morning. We have to get dressed. We have to mentally prepare for our survival. AND! We have to eat! Do yourself a favor… make this fun. Find something new in your kitchen, your basement, your garage. Fill your day with happiness and new ventures.

Good luck!

Preparation is not a Sign of Fear. It’s a Sign of Readiness

As I slathered more lotion on my hands, having lost track of just how many times I’ve washed them, I took stock of what was left of my soap and lotion, surprised by just how much I’d gone through over the past four weeks. 

I can’t believe just how many times I’ve lathered on the soap, smoothed on the hand lotion, and the number of candles I’ve lit in just one month’s time; since the start of the Safer at Home mandate where I live. When you’ve spent most of your waking hours away from home five days a week, most of your hand washing takes place at work or occasionally a restaurant. But thank goodness I took advantage of my favorite store’s semi-annual sale back in January, and had already stocked up on some of my favorite scents. Back in December I received several candles as gifts, and have been burning through them during this extended time at home.

With the heighten awareness — perhaps even fear — of not infecting myself with an uber contagious and nasty virus while doing anything from a quick run to the grocery store (if I remove my gloves before I open the car door to avoid cross-contamination, then what about having to touch the grocery bags to put them in the car? But wait, now the virus may have transferred on to my car seats; and I still have to get the bags out of the car and into the house!); to a trip the mailbox (use a paper towel to open the mailbox; grab the mail; toss it on the floor by the door; throw away paper towel, wait a full 24-hours before opening mail; dump contents onto the chair;  immediately discard the envelopes and wash hands. Go through the actual contents of the mail. Wash hands again “just in case!”). 

person-washing-his-hand-545014I’ve always been a pretty good hand washer. One need only to be in a public restroom, at work and otherwise, to soon learn that not everyone apparently takes personal hygiene as personal as you do. So the old grab a paper towel to use on the door handle exiting the restroom is nothing new for me. What IS new for me is noting how many times I touch my face after touching something else that was handled by someone else. Before the COVID-19 “quarantine” as we like to call it, that was everything from opening the door to enter and exit my classrooms, working on the shared computers in each classroom, using the copier in the faculty room; picking up an ink pen to sign paperwork in the Chair’s office, and even opening or discarding my mail that had traveled from wherever it came, to the campus post office, to the on-campus postal carrier, to the Department office, into the hands of the student worker or secretary who placed it into my mailbox.

Isn’t it weird how we never really thought about some of the things like that; even during cold and flu season?

We were on spring break when the “stop everything and re-do all your curriculum to transition from the brick and mortar classroom, to an online community,” directive came down from our university president. The wording was much softer than that, but it nonetheless, came with a firm deadline. The students would receive an extra week of spring break; while faculty would have that week to completely shift everything, including projects and deadlines, and what would have been hands on student-to-student assignments, from the on-the-ground school system to remote access learning.

In the middle of all that, one of the first things I thought about was the “What Ifs?” My “what ifs” were not built on fear, but rather learned from the history of what happens when people are prepared versus when people are not prepared when emergencies happen.

Watch for the signs!

photo-of-road-signage-2994331Before there was NOAA (National Oceanic and Atmospheric Administration) or the Weather Channel, people relied on warning signs from nature (wildlife, plants, and the ocean), to prepare for what might be coming weeks or even months later (a bad winter, a dry spring, etc.). Except for perhaps many farmers, most of us wait to be told what to do.

Twice a year, when we change our clocks for Daylight Savings Time, there are a number of public service announcements reminding people to change the batteries in our home smoke detectors. Why? Because most people will forget or ignore the need. And the time to find out that the batteries are dead is not in the middle of a fire, when they don’t go off while you and your family are sleeping.

During our earlier than usual spring break, I had time to watch more television than normal. As I did, I started not just hearing about, but seeing images from other countries, of what this coronavirus was doing; people it was impacting; the way it was spreading, and some of the drastic ways some countries were trying to deal with it. And I thought, “what if that happens over here? What if the virus starts to spread in certain parts of the country at such an alarming rate like what I was seeing?”

So when I got the university email, I thought, what is it that the school systems know that we’re not hearing yet? It was a bold and costly move for most colleges to switch to online learning; supported by the purchase of licenses and software the schools had not been prepared to financially invest in. And what did those western state Governors see that we hadn’t yet; knowing that their actions would result in a huge economic hit to their state?

Turns out their quick response may have saved hundreds or even thousands of lives.

There wasn’t an answer. And certainly nothing I could do about whether or not the U.S. would experience the fate of Asia, and at that time, a growing part of Europe. But reading the signs, I decided to take inventory of what was in my house (pantry, cabinets, refrigerator) and started shopping for necessities. Having just gotten over a really bad cold less than two weeks earlier, my first thought was buying cleaning and sanitizing  items. I originally purchased a large can of Lysol and disinfecting wipes to use in my office and classrooms, even before spring break. But once the dynamics started to change, I knew there were additional items I needed to make sure I had. And so I shopped! Bleach, Clorox wipes, non-perishable pantry and freezer items; fresh produce, and yes, toilet paper! While at an already scheduled doctor’s appointment, I asked my doctor to write my medicine refill for 90-days instead of the 30.

In other words. I started preparing. Days before the first wave of panic buying, and over a week before the president declared a National Emergency, I had already stocked up on the items I predicted I would need in an emergency that had an undetermined length of stay. Unlike a blizzard that passes in hours or a hurricane that moves on a day or two later, we had (and still have) no idea how long and to what extent this COVID-19 would impact us. And in a case like that, I would rather over-prepare and not need, than to under prepare and not have something I need.

To be clear, stocking up to prepare for an emergency is not the same thing as hoarding items you neither need, nor plan to use (especially evil hoarders whose entire intent from the beginning is to resale for profit). Stocking your house of the essentials needed is smart, and what everyone should do regardless of whether there’s a severe winter storm or a superbug headed your way. 

As I watched and listened to some people on social media a week and two later, complaining about not being able to find basic items like eggs, meat, and of course, toilet paper, some of their posts were angry rants about how inconsiderate other people were that they couldn’t get what they wanted/needed now. And I thought, yes, there were definitely people over buying, and perhaps a number of hoarders as well. But the other truth of the matter is that we all had access to the same information; the same sighs (some would say warning bells) were visible and audibly to everyone. Yet, some waited. Some dismissed it. While others chose to heed it.

I definitely understand that not everyone has the luxury of being able to shop early (ahead of a paycheck) or shop for extras (even after a pay day). I have been one of those people more than once; including in the midst of the last recession 10+ years ago. They are the ones who have every right to feel frustrated.

But for many others, their unwillingness to act (like a coastal shop owner refusing to board up their business, in spite of the hurricane warnings that come days in advance of making landfall), they need to ask themselves how might they do things differently the next time. Because by all scientific accounts, there will be a next time; perhaps a lot sooner than any of us would like.

How prepared will you be?

Why You Should Peel Your Own Potatoes!

Have you ever noticed how much you’re paying for that small container of chopped watermelon compared to the cost of a whole one? If not, then you should stop and take note. Or how about that veggie tray, with the handful of cut carrots, celery, and the top of one broccoli? You’ll notice that you’re not just paying more for those items, but most of the time, you’re getting less.

You are basically being charged for your laziness!

Sure, we all like the convenience of saving a little time from having to peel and chop our fruits and/or vegetables. But an extra 50 cents here, and a dollar and fifty there, can start to add up to as much as ten dollars in one month; and start to grow to almost a hundred dollars or more in a year’s time!

Don’t believe me? Test it for yourself the next time you go shopping. Take your phone and capture the cost of that head or bunch of lettuce, and then go over to where they keep the bag of lettuce and take a snapshot of that. That’s where you’ll also find the bag of sliced bell peppers, snapped green beans, and chopped onions — conveniently located for the grab and go! And you’d be right, in terms of saving some time. But once you get home and pull up all of your comparison photos, write down how much money you would have spent purchasing the pre-packaged items, and what you would save purchasing the whole produce.

It’s amazing what our laziness is costing us. Like paying $2.49/lb for red onions that have already been peeled. Versus paying only 89 cents per pound for the same red onion that you go home and peel yourself. During my recent shopping spree, I picked up a head of lettuce for $1.49 versus the bag of the same type of lettuce for $2.99.

And it’s not just fruits and vegetables.

Peeled shrimp will cost you as much as two or three dollars more per pound than buying the shrimp with the shell. Unless they’re running a specific sale, a whole fryer chicken is much cheaper than the packaged one with separate pieces. The funny part is that you actually get more having the whole bird than just the cut up pieces.

And if you have a food processor, why don’t you chop your own nuts?!

The point is that you’re probably carelessly spending extra money each shopping trip, if you’re not taking the time to check prices, and stop going for what seems easier and convenient. Just like checking for sales, coupons, and discounts is important before you go shopping. So is making the effort to save money to buy the same product, unprepared or packaged, and not go for the pre-sliced/chopped/peeled ones.

Remember, the more money you save grocery shopping today, the more money you can put aside in your savings account for that raining day fund, or something fun you plan for yourself in your future.

Think about it.

Forget Paris. Focus on Your Own Fashion Week!

Two weeks ago, high temperatures where I live were in the 40s for several days; with low temperatures below freezing a couple of those days. Last weekend, my friends in Cleveland, OH experienced another epic spring snowfall, while many in the upper central plains continue even today with their cold temperatures. The calendar might say “spring” but the weather doesn’t always align with our hopeful schedule of the four seasons.

I learned a long time ago to dress for the weather not for the season. And with that, I have to say that shopping “out of season” is one of my favorite things to do. You see, retailers don’t care what the weather is doing outside. They will try to force you into dreaming of whatever comes next, inside, filing their stores with what they want to sell, rather than what you may need to buy. Autumn-colored clothes quickly follow the red, white and blue of July. Winter coats fill racks in September. Spring’s pastels are plastered everywhere in January. And the sleeveless tops of Summer make their debut before the Ides of March!

Because of retailing’s over-anxious, and sometimes obnoxious attempt at rushing each new season, they are equally motivated to get rid of the last season’s leftovers to make room. And fortunately for us bargain hunters, it can be a clothing gold mine of great finds; perfectly useful outfits with still weeks worth of wear to go. And for people like me, who’s more concerned with function than with what some fashion magazine tries to tell me is in or out at any given time, those bargain finds can last not just a few more weeks, but years after!

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Recently I went shopping to update my wardrobe, with great results. I got all five of these tops for only $32.00; and that’s with sales tax! No, I didn’t get them from a discount store. But I did get them at a tremendous discount. Their material is thin enough to wear comfortably, with or without a light jacket, through the next several weeks, but their “colors” are meant for Fall (which is when I will gladly take them back out of the closet and begin getting even more wear from them). So off to the sale rack they went!

All but one of the shirts was regularly priced well over that total of $32.00 spent. They actually had been repeatedly marked down over the weeks, and these were some still left. I happened to go into the store when they were having their “final” Final Sale! Everything on the sale rack, whose price ended in $.98 was further marked down to $9.98! Yes, that meant the $29.95 shirt was now less than ten dollars; the $34.95 one was also $9.98; as was the almost $60.00 one! Five shirts for less than the cost of what the higher one of them would have cost me alone — if I was the type who paid full prices for my clothes!

What drew me to that store, on that day, was the $25.00 off coupon I had off anything $50.00 or more. It was getting ready to expire. I had waited as long as I did to use it because I knew I would find some great deals in the transition of the seasons at the store. And so I did! With my total coming to just under $50.00 (a purposefully deceptive  practice by this particular store that I’ve just come to accept), I was forced to purchase one other thing; unfortunately a five dollar item to make up a difference of mere cents; but that’s no accident. I’m convinced the main retailer knows exactly what they’re doing when they run those coupons — you can never get right to $50.00; always will have to go over to use it!

It was still worth the trip and the cost to pay so little and get so much; not just for the sake of shopping, but to end up with clothes I have already worn, and will continue wearing, including later this year and most definitely into next and beyond.

My advice to other bargain shoppers who are looking for deals and wanting to maintain a budget?

  • Stop worry about what’s coming down the runway during Fashion Week. The fashion designers, sellers, and retailers are trying to make money convincing you that it’s not cool to wear “last season’s” stuff. In reality, unless you work in the fashion industry, your friends and coworkers are not keeping up with when or where you bought your clothes, or what’s suppose to be “in or out” for the average woman!
  • If you need to do some shopping, do it during a time, and with the retailers who offer you something in return (i.e. store cash dollars, coupons, reward points). They’re doing it to get you back into the store. But you’re doing it to take advantage of the savings on your next shopping trip.
  • If you can split your shopping needs up. Purchase half of what you need when those retailers are offering coupons (the old, spend $50 and get a $25 rewards coupon for your next visit). Then return to pick up the rest of your items using the coupon or points you earned the last time you were there. Four weeks ago, I bought two pairs of pants that I needed for a trip, which is what earned me that $25 coupon that was used to help buy those five tops later.
  • Sign up for the emailing lists of the retail outlets you visit the most. It might seem bothersome to start getting all their emails, but that’s the best way to keep up with when they’re having a major sale. Then choose that time period to do your shopping. Just be sure to confirm that the retailer will allow you to use that coupon on items marked down on sale. Another tricky thing you have to watch out for.
  • Never go shopping when you don’t need anything. But always remember that you can make purchases for the birthdays, anniversaries, graduations, and other special occasions of other people in your life; and still reap the benefit of bargain shopping and savings for yourself!

 

Make April Your Month of FREE

It’s the start of another week; the beginning of another month. April is here! I love this time of year for many reasons, but feeling like it’s the start of something fresh and new is one of the main reasons. I can tell myself, okay, now’s the time. Do this or that, but do something and stop putting it off! What do you have planned? What are you going to do with this new opportunity?

Recently I posted on my Catching Raindrops Facebook page about my March month of FREE. I listed a number of freebies I’d been rewarded with through various retailers and restaurants where I’m a member of their clubs or rewards programs — for free, of course. Because I don’t believe in paying to be a member of a program that then pretends to “pay” you back with freebies, when in reality you’re already paying for it.

So someone asked me where I’d gotten some of the items, and how I was able to get so much. I told her, from just going through my regular life. I believe that if you’re already shopping regularly at a particular grocery, and that store happens to have a program where you can automatically save money on your gas purchases, and receive points every time you buy groceries, or go to the pharmacy, or fill that gas tank — WHY WOULDN’T YOU WANT to sign up and get even MORE?

If you’re a frequent visitor at the same restaurants or shop at the same clothing store, or buy a lot of your make up from the same beauty products place, or your household goods from mostly the same place, and they’re offering you a customer loyalty card with discounts on purchases, and freebies for birthdays, and surprise gifts throughout the year….GET THE CARD!

I’ve posted about my freebies and savings many times before on that same Facebook page. But every time I do, I still have some followers asking me how I did it. I tell them the same thing…start joining these rewards programs. And if it’s a place that offers coupons on top of savings, take advantage of that as well! I love the convenience of Kroger’s digital coupons, their Friday Free downloads, and some of the weekend only specials they’ve been doing lately.

This past weekend, I was in line at a World Market, getting my free bottle of olive oil, when the woman behind me asked the cashier if the olive oil as free to everyone. She told her no, just for Rewards members. So I turned to her and said, but it’s free to join and you can do it today. And I proceeded to tell her about the birthday rewards and special gifts throughout the year; bragging on the bag of coffee I’d gotten a couple of months ago. She said her birthday was coming up in two weeks, and so I said “All the more reason to sign up today!” And so she did. You’re welcome #WorldMarket

There is no magic to it. But there are some rules I try to follow. 

  • Don’t get cards to places where you don’t already frequent.
  • Don’t make purchases on thing you don’t need just to drive up your points. You’ve already lost the benefit of the FREE!
  • Don’t drive across town to redeem a free reward. If you’re spending five dollars in gas just to pick up that five dollar bag of coffee, it wasn’t free!
  • Create a separate email address to use when you sign up. Then once a week check it. This will help eliminate your fear of them spamming your business or personal emails. I use an old AOL one I’ve had forever!
  • Never pay for the membership cards. Free should start with you not paying to be member.
  • Do be sure to include your birthday information, as most businesses with customer loyalty programs often start by giving you something on your birthday.
  • Remember that even when it’s something you don’t want, it might be the something someone else needs. Rather than ignore the freebies, I like to gather many of the free food items, take them to school, and give out to hungry and broke college students.

The main thing is to get started. And then remember to redeem the rewards! I hate it when I let a freebie expire because I wasn’t paying attention.

Seven Things to Do Now to Save for the Holidays Next Year

According to the National Retail Federation, the average American will spend approximately $700 on Christmas gifts and goodies this year. For some people, maybe that doesn’t seem like a lot of money. But these days, I don’t have that kind of extra money to spend in one month. And I prefer not adding to my debt just to add to someone else’s material possessions.

My parents had to buy for six children plus each other. But I don’t remember so many “other people” expecting something simply because they happen to be in your life. I remember my mom putting something in a card for the mailman, and my dad would always get a bottle of whiskey or some other liquor for the guys who picked up trash. But even with all that, I can’t imagine they spent anywhere near $700! Of course those were different times. It seems now, we’re expected to give something to our kids’ teachers, coaches, babysitters, and our own co-workers, neighbors, hair stylist or barber; not to mention friends, and family members.

I’m single. I don’t have to buy for kids, and all but one of my 19 nieces and nephews are young adults; some starting families of their own. We live in six different states so I don’t feel the pressure to try to buy something for everyone. But when you add buying food for the parties, gas for traveling; gifts, wrappings, and decorations, the spending can still creep up on you, especially if you have a growing list of friends, business associates, coworkers, and church community groups.

So how do you make and keep a budget and still find ways to have fun and enjoy being with friends and family over the holidays? Planning!

 “Failing to plan is planning to fail!” 

So here are seven things you can do to save for the holidays now, and plan for the holidays next year!

1.  Join a Rewards Program. Better Yet, Join Several of Them!

I know some people don’t like reward programs. I’ve never really understood why. Maybe they think the business is tracking them. Newsflash. If you’re online. If you have an email, or are on social media. If you have a cell phone. You are being tracked. Joining reward programs now gives you coupons later. Not only do many businesses give free treats, discounts, savings on gas, or money to spend for things like your anniversary date and birthdays, but many have special higher discounts and giveaways during Christmastime. silver ornament

I got this ornament from World Market this year, just for being a rewards member. No purchase necessary! 

2.  Buy Hostess, Teacher, and Coaches Gifts Throughout the Year.

Nothing says you have to wait until Black Friday to start shopping for Christmas. When you see sales or drastic discounts on items that would make a good gift, go ahead and buy it — in March; in July; in whatever month you discover it. The person receiving the first isn’t going to ask if you got it at the Labor Day sale! Spend time during the year also looking for store closing sales. With the right timing, you can find items for as much as 75-90 percent off!

3.  Host an Ornament and Decorations Exchange Party.

This one can be fun. You know how every few years you decide your tree looks boring or you want to change up the way you’ve been decorating the house over the years? Well, have some friends over with the directive for them to go through their Christmas boxes and collect the ornaments, wreaths, decorations — anything they no longer use year-to-year. Everyone brings the items they’re interested in getting rid of, and spreads them out across the table. Then everyone goes around and picks through things that the other person no longer wants. At the end of the night, not only have you managed to squeeze in another girls’ night, but all of you go home with new ornaments, different decorations, and fresh ideas to deck your halls!

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4.  Have a Pot-Luck Dinner Party.

Instead of taking on the burden of planning and paying for a dinner party yourself, make it a potluck. Pick a theme, have everyone bring a dish that works with the theme, and you provide the Christmas atmosphere of music, lights, and smells. Don’t worry about buying a candle; just boil some cinnamon and cloves on the stove! By sharing the parts of the meal, no one person is footing the entire bill. And that also means less time in the kitchen cooking and baking.

5.  Save Christmas Gift Bags to Use Again.

Okay, I know most of you are probably already doing this, but if you’re not, you need to start! There’s no shame to reusing gift bags. Just remember to remove the name card from it. I actually save colorful tissue papers as well. Again, when you’re packaging it up for someone, they aren’t going to know or even care when or if you bought the bag that their gift is in. I think I’ve even returned the same bag to someone the following year. It was perfect for their gift. So why not? 

6.  Buy Christmas Cards, Wrappings, and Ribbons at the End of the Season.

The best deals on holiday items is right before the holidays (when they’re trying to get rid of last year’s inventory), and right after the holidays, (when they don’t want to store any remains of this year’s inventory). Make room in your attic, closet, or garage, and pick up items that are drastically marked down. That will be one less thing to worry about the following year, and you would have saved yourself a lot of money.

Christmas snow flake packages

7.  Make a List. Check it Twice!

Create a list and put people’s names in the order of priority. Stick with your list of who you’re buying a gift for, and in what price range you’re spending. That way you don’t end up leaving anyone out, but also, controlled discipline of not adding more people to your gift list later. Budget even what you’re willing to spend on food items for those parties, and which events (movies, theater, light shows) you’re spending money on. Then try to find things to do with your friends and family that are free.

Cutting back and spending less, doesn’t have to mean not having a great time over the holidays. I think it forces creativity and thoughtfulness. But remember that the first step to not over spending is planning. The next step is sticking to your plan. Look for other ways to save money and still have a wonderful Christmastime!

 

Why I Don’t Shop on Black Friday Anymore.

I woke up super early on Thanksgiving morning. It wasn’t by choice; it just happened. I tried to lay in bed in the hopes of falling back to sleep, but when it didn’t happen by 4:30, I decided I was suppose to get up. So I did, and started my morning routine. It had been a month since I was at the gym, thanks to a nasty cold that wouldn’t go away (remnants of which still remain). So out of the door I went just after 6 o’clock in the morning, with predictably almost no traffic, and only about a dozen of other early morning risers in the gym already working out.

I was happy to learn that the gym would be closing early so that the workers could be home with their families that evening for Thanksgiving dinner, and that they wouldn’t reopen until 7:00 on Friday morning. Though my intentions were to wake up early and get my workout out of the way, I actually overslept a bit after turning off my 6 a.m. alarm. Funny how that worked out. The morning I wanted to sleep in, I woke up super early, and the morning I wanted to wake up early, I overslept!

 I was expecting a larger crowd at the gym. While there were more people there than the crazy time I arrived on Thursday, there still weren’t as many there as I thought might be following all the overeating and high calorie foods from the day before. But the parking lots of Kohl’s and Walmart sure were full!   

I’m not knocking anyone who decided to get up early to shop, although I question those who camped out, given the temperatures last night. But I do wonder how many of the people out there have just gotten caught up in all of the buzz and “excitement” of the whole Black Friday phenomenon.

I’ve been part of that Black Friday frenzy in the past. If I were to be honest, I loved it! Back when my nieces and nephews were younger; at that age where they were expecting something from their Auntie, I would go out and try to find good deals. Sometimes I would even shop on behalf of my mom, who didn’t care for the Black Friday crowds, but liked the Black Friday prices; especially since she had so many grandchildren to buy for. Now, all but one of them are young adults in their 20s and 30s, and in general, sadly, we hardly ever get to spend the holidays together anymore.

But today, just as with the past four or five years, I simply asked myself, “Is there anything out there that you need that you don’t already have?”  The answer of course was no. When I calculated the fact that there was also nothing out there I was planning to purchase for friends or family that just had to be bought today either, it definitely wasn’t worth it to me to be out there. 

Moreover, I wonder how many people; namely, the early morning shoppers, even know the origins or meaning behind “Black Friday” and where the term came from? According to History.com:

The first recorded use of the term “Black Friday” was applied not to holiday shopping but to financial crisis: specifically, the crash of the U.S. gold market on September 24, 1869. Two notoriously ruthless Wall Street financiers, Jay Gould and Jim Fisk, worked together to buy up as much as they could of the nation’s gold, hoping to drive the price sky-high and sell it for astonishing profits. On that Friday in September, the conspiracy finally unraveled, sending the stock market into free-fall and bankrupting everyone from Wall Street barons to farmers.

The most commonly repeated story behind the post-Thanksgiving shopping-related Black Friday tradition links it to retailers. As the story goes, after an entire year of operating at a loss (“in the red”) stores would supposedly earn a profit (“went into the black”) on the day after Thanksgiving, because holiday shoppers blew so much money on discounted merchandise. Though it’s true that retail companies used to record losses in red and profits in black when doing their accounting, this version of Black Friday’s origin is the officially sanctioned—but inaccurate—story behind the tradition.

So basically, when you run out to shop the day after Thanksgiving, buying a lot of stuff for the holidays — often things you “want,” rather than what you “need” — simply because the items have been discounted, you’re basically supporting the retail industry making profits at the expense of your own bank account and personal budget taking a loss.

As I’ve said to many friends and family members, it doesn’t matter how great a sale is; if you’re spending money on things you don’t need, you’re still wasting your money.

Be careful that your Black Friday shopping doesn’t turn into Red Saturday regrets, and January depression as the credit card bills start to roll in.

Yep, It’s Time to Go Back to School

It’s that time of year — again. While many families in the northeast, midwest, and the west coast are celebrating the midpoint of their summertime, with backyard cookouts, trips to the lake, and the kids being gone for another week or two away at camp, many southern state families are spending these final days of July shopping to replace the clothes and shoes their kids grew out of since last fall, and hectically going through the school district’s mandatory shopping list, in preparation for a return back to school soon.

In Tennessee, as with most southern states, students return to school before the end of August. In the Middle Tennessee area, which includes Nashville, students will be back to school by the first week of the month! Can you even imagine?

For one of the neighboring counties of Nashville, the busses will start rolling out this Wednesday, August 1. And almost all of the other area counties will follow less than a week later, with returns on August 6, 7, and 8! So if you sense a little panic from your southern Facebook and Instagram friends with kids, now you know why.

Fortunately, this is also Tax-free weekend (July 27-29) for the state of Tennessee. For those whose states may not offer this, it is a weekend once a year when parents can stock up for the school year, buying clothes, shoes, school supplies, and even computers, and pay no sales tax. In a state where the sales tax is 9.75%, that shopping bill can add up really fast. But so does the savings, if you plan ahead and do most, if not all, of your shopping during this time period. I mean, imagine a college student being able to save almost $100 for that $1,000 computer they need, by just choosing to purchase it this weekend versus next!

And now that parents are tasked with buying supplies for more than just their own child, planning your shopping adventure is even more important.

This is an actual list of school supplies for one of the local elementary schools:
  • Colored Pencils – Box(es)
  • Crayons – 24 Count
  • #2 Yellow/Wood Pencils Sharpened with Erasers, 24 Pack
  • Glue Sticks
  • Scissors
  • Ruler 12″ Standard/Metric
  • Protractor
  • Pocket Folders
  • Pens
  • Composition Notebook Wide Ruled
  • Spiral Notebook Wide Ruled
  • Package(s) of Sticky Notes
  • Box(es) of Facial Tissues
  • Clorox Disinfecting Wipes, Canister(s)
  • Package(s) of Filler Paper, Wide Ruled

A Middle school list in the same district looks like this:

  • Pens, Blue
  • Pens, Black
  • Pens, Red
  • Pencils, #2
  • Package(s) of Cap Erasers
  • Package(s) of Filler Paper, Wide Ruled
  • Notebook paper
  • Package(s) of Graph Paper
  • 1″ Binders
  • Write On Dividers
  • Composition Notebook Wide Ruled
  • Highlighters
  • Dry Erase Markers
  • Colored Pencils – Box(es)
  • Hand Sanitizer – Bottle(s)
  • Canister(s) of Disinfecting Wipes
  • Box(es) of Kleenex Facial Tissues
  • Paper Towels – Roll(s)
  • Duct Tape
  • Hot Glue Gun Glue Sticks
  • Package(s) of Index Cards
  • Box(es) of Reclosable Storage Bags
  • Package(s) of Printer/Copier Paper – Colored
  • Masking Tape
  • Package(s) of Plastic Cups
  • Box(es) of Plastic Forks

So don’t just shop. Shop wisely.

  • Shop at the right stores.  Find the ones that have the lowest price on the things you need.
  • Use coupons. As you see, the school supply lists have grown way beyond pencils and paper. Look for store or manufacture coupons for those paper towels, toilet paper, disinfecting wipes, and Purell that many schools now require.
  • For your student heading off to college, check out yard sales and online sites where you can find inexpensive desks, chairs, bookcases, and other things for their dorm room and apartment.
  • And don’t be too embarrassed to shop at discount stores and places like Goodwill, where they also offer special discounts on top of their lower prices, including a 10% Student Discount on Sundays; a 10% Senior Adult Discount on Tuesdays; and 10% Military discount on Wednesday. Again, every little bit helps!

When it comes down to it, making the most of your time and saving the most of your money, requires some planning and preparation. But your bank account will thank you for all of the dollars you save. And you’ll thank yourself when that money comes in handy later; usually unexpectedly.

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Every Day’s a Good Day to Save Money

I love freebies! I know, I know. How can you tell? But seriously, I’m all about saving money, finding discounts, using coupons, and getting FREE stuff! Whether that’s birthday freebies, like I took advantage of last month. Or earned rewards freebie from several places I normally shop. I get a big rush when I see the register ring up items, and I don’t have to hand over any money. Sometimes, with taxes, I may have to reach for some pennies and nickels, but not dollars. That’s always my goal.

I actually wish I was more organized and more disciplined to really keep up with which store was running a sale at the exact same time that I’ve collected coupons.  I know I could be saving so much more money. When I do get lucky enough to do that, I love watching the register go in the negative direction. Just the other day I picked up a large container of laundry detergent, regular price of $6.99, but it was on sale for $4.99. On top of that I had a $1.00 off coupon for that brand, so I paid only $3.99! That’s a three dollar savings because of timing and coupons. With today’s increasing gas prices, $3.00 represents another gallon of gas to me!

One of the reasons I love shopping at Kroger so much is the earned points on gas, the in-store savings each week, and the coupons they send in the mail. Part of their rewards program that I’ve been enjoying taking advantage of is the Friday Downloads!  

For a while I thought it would be one power bar after the next, after a couple of weeks of candy bars (which I don’t eat, but shared with my students). I’d almost given up, until recently they’ve had more things that I’ve enjoyed and actually use, like Tic Tac gum and one of the flavored waters. Last month, the downloads included a full loaf of bread, and a regular size of the Ocean Spray Cranberry Juice.

Getting something for free each week is nice, but this week, I was able to get several items for (almost) free at a retail outlet.

At World Market, I had my eye on some wooden baskets that had been marked down several weeks ago. I used one a few weeks ago to put together a birthday basket for a friend. The marked down price was already nice. But using my own birthday rewards money to get the items was even nicer.

IMG_6690So when I returned there, I planned to grab a few more of them while they were on sale. I liked that they were wooden and a great alternative to the gift bag world we have turned in to . “Buy a gift. Stuff it into a bag. Maybe add some tissue paper. Call it a day!”  

I like that the wooden basket offers a second chance use other than just holding the goodies.

So much to my surprise, not only did they still have several baskets left, but they had been moved to a special SALES table — 50% OFF of the red tag sale price! Jackpot!

Suddenly my large $7.99 basket that had already been marked down to $3.98 earlier, was only $1.99! And the smaller ones that had been $4.99 before being marked down to $2.49 were only $1.24. But also, for some reason, the pink colored one was no longer an “in” color, according to what the sales clerk told me! So they had marked those down even lower! But wait! There’s more. Two days earlier I received a 15% off the total sales coupon! What a pleasant surprise.

Two large and two small decorative wooden baskets later, along with three speciality bars of soap, and I went back for a small glass lantern I’d seen on the table too. 

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I knew if my calculations were correct, it should come to about ten dollars. But my goal wasn’t just to go shopping to spend $10.00.My goal was to spend the exact amount of my rewards coupon — which was ten dollars. It was FREE money to be spent, and I wasn’t about to let it expire.

And exactly how did I end up with ten dollars in rewards in a non-birthday month?

Well after winning the search for the World Market golden Llama back in June, and winning money with that, I received an additional rewards coupon for being an Explorer member! I mean, basically they rewarded me twice for finding the golden ticket. Now that’s what I call a pretty good rewards program; one that gives you money just for being a member, as opposed to racking up mounds of shopping debt before earning anything!

When the register rang up, my total, with taxes? Forty-six cents! Yes, just 46 cents for stuff I’ll actually use. The pear soap has already found its way into the guest bathroom, and one of the small baskets is being used in the guest bedroom for guests to have a place for their keys, cell phones, and stuff. The large basket has found its place on the desk in my bedroom, holding books, journals, and notecards. 

You can live on a budget, and still shop for fun stuff, and find great gifts without running up your credit card, if you stop and take the time to join reward programs, search online (or for old school — in the newspaper) for coupons, and keep an eye out for when your favorite stores run sales.

One birthday month regret I do have is not getting to use my ten dollar Chico’s coupon. I went to use it one day but couldn’t find anything in that price range. I did find a pair of earrings that were on sale, but they wouldn’t apply the store percentage on the remaining amount after the coupon, so it left me owing $5.00. She tried to explain why it rang up the way it did, but all I thought about was the fact that I didn’t go in there to spend five dollars. I was there just to spend the money from the coupon, and couldn’t justify spending extra money just to be able to use the coupon. So I left with nothing.

If you’re shopping just to shop, and end up spending money you wouldn’t have normally spent just to use a coupon, then you lose. It’s not a saving if you spent money to get something you’re only buying because you have a coupon. Resist the temptation to fall into that trap.

Maybe coupons aren’t for everyone. And I’ve had a friend tell me she doesn’t sign up for rewards programs because she doesn’t want to get all the emails. I don’t mind emails from places I shop (and I don’t sign up for programs at places where I don’t), if it means saving money on things I need. But whatever you decide, if you want to get serious about saving money, then you need to get serious about making a plan for how you’re going to do it.  Saving is one thing. Spending wisely is another. You can do both. Just be strategic. It’s worth it. And you can still have fun while doing it!