Browsing Category

Budgeting

Cut Down Your Monthly Water Bills!

517533161_2_620_439

 

Good morning, savvy savers! For this weeks Greener Living Tip, I wanted to share an experience I recently had, and how it helped to save my family 1/3 off of our monthly water bill!

Starting last Spring, my water bill went up by 20% in a months time! Not that it was a lot of money, but in a year’s time it would have amounted to $400.00! I set out to figure out how to reduce this amount!

Here’s what I did:

1) I started by calling my city water department, who did not return my call.

2) I then called my city managers office, and was informed by a kind gentleman there, that water, like electricity has a variable cost, and there are peak and nonpeak times of the month, season, and year when water charges are higher, so countries and cities can offset the cost of public works projects in many areas. He also said, that you can request in writing, that your city water department tell of you of current charges, pending spikes for everyone, etc.

3) When I found this out last summer, I noticed that charges were higher the last week of the month, so I implemented new water usage strategies in my home; I purchased rain barrel systems to attach to my gutters, which I now use for watering my garden the final week of the month, I also do not wash during that week, making sure all of my wash is prepped before that time, for example.

4) I also checked all of my toilets, plumbing, and water lines for any leaks or pipes that needed to be replaced; luckily they did not!

5) Just these two changes saved me $38.10 monthly! 

 So, I recommend looking into seeing if you can cut your monthly water bill, too!

Here’s to Greener Living,

mbnlogosm

What To Buy In August!

save_money

Hello again, savvy savers! For this weeks Wednesday Ways to Save, I wanted to share with you my list for the things to buy in August here at The LadyPrefers2Save!

Here’s what to be on the lookout for:

  • Laptops; online outlet stores are offering laptops and net-books as much as 60% off!
  • Back-to-school items, including paper products, dorm furniture; check manufacturer and store websites for money-saving coupons before shopping!
  • Office supplies, even if you do not have school-age children; remember that most office supply stores will also price match ads!
  • Summer apparel, with shorts and sleeveless shirts up to 70% off.
  • Patio furniture & grills, up to 75% off; Target and Walmart are the places to check on these normally high ticket items after the 25th of this month!
  • Year old Halloween and Autumnal Decor; many large and small retailers will start the season with 75% off savings, then go back up to 25% off for the holidays, especially craft stores!
  • Turkey and Ham; if you freeze your meats for the holidays, then now is the time to purchase them at under $0.10/lb at Walmart, for example!
  • Holiday toys; All major retailers have already released their perspective top-ten lists for the must-have holiday toys, and many can be paired with manufacturer coupons, purchased now, and stored for priced half of what they will be Black Friday! Toys should be purchased before Halloween to save on holiday markup then discounted pricing!
  • Cola; cola pricing, around Labor Day, will be at its lowest price point until Christmas, so stock-up now. A good price point is for any 2-liter under $0.50 each, 12-packs 4/$10.00, and 24-packs under $3.50!

What to Wait To Purchase:

  • Fall clothing, like sweaters and long sleeve shirts: October is the time to buy these items at rock bottom prices!
  • iPhones; As the  new iPhone 6 is set to be released in September, October will find 5S and 5C phones slashed in price!

Here’s to August savings!

mbnlogosm

How I Am Saving $1,344 Annually by Cutting Cable!

CRO_money_cuttingbills_12-13

Hello again, savvy savers! For this weeks Thrifty Thursday post, I want to share one of the easiest ways I have found in the last year to save on my families monthly budget, and that is by having cut my cable and home phone services last month, for good! You may wonder why the sudden decision?

Well, here is the long and short of the decision:

  • I called Comcast Customer Service several weeks ago, to scale back my service package, as my family and I did not watch most of the channels, and it had been months since I used the home phone service.
  • Customer Service was very uncooperative.
  • I was placed on hold for 76 minutes.
  • The representative returned to the phone and said that they were not going to let me lower my plan, and they were doing me a favor in doing so.
  • In that moment, I spoke up and said, CUT IT OFF!

So, within hours I had pulled cords, taken off adapters, removed boxes, and had returned all of the companies apparatuses pertaining to the home phone and cable to the local Comcast office. On the way home from this errand, it dawned on me… I needed to tell my husband when he got home, and how would I do that? How shall I tell him that the Saints and the Whodat Nation will no longer be on television? Simple, we would be saving money, and lot of it!

So, in the four hours until my husband came home, here’s the plan I came up with:

  • By cutting cable and home phone service, I would save $1344.00 annually.
  • I would be able to watch as many of the shows my family enjoyed, minus sports channels using Hulu, Netflix, and Amazon Prime; I am already a member of all three.
  • I would be able to put the money I would spent on cable to pay for season tickets to my husbands Alma Mater, the University of Southern Mississippi.
  • I would no longer pay for channels we didn’t watch.

The plan sounded rock solid! My husband took it rather well, and after a month of cutting my services here are some other insights I can share with how anyone can make this switch as well:

1. Investigate internet service providers:

When I made the rash decision to drop my cable bundled deal, I did not take into consideration that my internet plan would now cost me more per month; my monthly internet plan went from $45.00 per month to $58.00 a month. As I work from home, the internet, unlike a home phone, is a necessity (we have cell service for our main phone services), and though I am looking at other options, currently Comcast is my only service provider in my area, and so I am okay with the charge. If you live in an area with several providers, please call your current company’s customer retention department and try to make a deal!

2. Choose a video streaming service:

We were already members of Netflix, Hulu Plus, and Amazon Prime. We chose to retain all services, especially Amazon Prime because along with video streaming, free two-day shipping, and the Kindle Lending Library were also included in the $79 yearly fee; we pay for our Amazon Prime membership out of our annual tax returns, and so it doesn’t come out of the monthly pot, per se. As for my Netflix and Hulu Plus services, I use Ibotta, Checkout51, and Shopmium (using code GMYMMYPT) to pay for these services, and so there are no additional costs out-of-pocket for our family, as well; if you are like me and have a small but loyal following list of weekly or seasonal shows, than go with Hulu Plus, it’s been my favorite go-to for the past season!

3. Meet My New Friend, Roku:

Roku is a small, plug-and-play device which allows users to stream videos via your subscription service straight to your TV; the service also includes additional free programming as well. We purchased our unit through Amazon, using earned survey gift cards, for only $48.00, refurbished! This service is really awesome! The unit I purchased is here!  Our Roku is currently being used with our living room television, as we moved our PS4 to our den, as the gaming system already came prepared with downloadable streaming apps; for those without gaming systems, Roku is the way to go! 

4. SlingTV: You can also  sign-up for Slingtv, a service which allows you to watch premium channels, as soon at ten minutes after the start of a program in live time. Also, when you pre-pay for three months of tv service (packages start at $10.00/month for cable channel services, with the option to add a la carte channel packs, you will receive a free Roku stick!

5. Get a Leaf for local/sports channels:

I have also been able to purchase the Mohu Leaf,  a flat antenna mounted to our TV in our den, which picks up local stations in HD; this feature gave my husband sports channels, which is a plus! I used money from surveys to purchase a unit for $42.00!

6. Re-Think How You Watch TV:

Consider this, by cutting cable you may be cutting your package and the way you watch programming, but that just means you need to think outside the box. My family watches the same shows as before, just a day, perhaps two days later, for upper channels, and using the Leaf, the same as before. Also, I have began to explore programming online that I had not seen before, such as the Youtube Wigs series, watching shows using network apps such as Lifetime, MTV, Bravo, and the like! I now watch what I want to watch, as opposed to simple channel surfing! Its a win-win!

So, this past month I was able to save $112.00 a month, nearly three-quarters of my grocery budget! Was the process simple, no. Was the way we now watch tv easy, yes! Do I recommend this switch, absolutely! So, that’s just a new way I now save money at home!

Here’s to saving!

mbnlogosm

Add More Savings To Your Grocery Budget With MobiSave!

mobisave

Screen Shot 2015-04-20 at 2.02.34 PM

 

Hello again, savvy savers! I’ve recently started using a new, simple saving app and wanted to share with you all about this new addition to your current savings arsenal, too!

Here’s how you can get started:

Screen Shot 2015-04-20 at 2.04.15 PM

 

1. Download the Free mobiSave AppCurrently, the mobiSave app is iOS, but active, limited memberships. But fear not, the Android expansion is coming soon! If you want to join, simply give mobiSave your email and they’ll send an invite when it’s ready.

 

Screen Shot 2015-04-20 at 2.00.25 PM

2. Select Your Offers:

Once you have the mobisSave app downloaded, like with Shopmium, iBotta, and other savings apps, you just select the offers that best fit your weekly budget, needs, and stockpile items. 

 

Screen Shot 2015-04-20 at 2.00.30 PM

 

3. Strike A Pose: Once you have made your purchase, you simply take a photo of your receipt through the app and upload, and voila… you’re done!

 

Screen Shot 2015-04-20 at 2.00.35 PM

4. Show me the money! Within 24 hours, you’ll receive your payout.  No payout is too large or too small, and other apps, there is no minimum required. 

So be sure to try out this new savings app today!

Enjoy,

mbnlogosm

How to Make Money on Fiverr!

Day 23-

 

Why Fiverr.com?

  • If you don’t know what fiverr is, you can signup on their website to list “gigs,” small, composed videos you create, educating people on some sort of activity, and in exchange you are paid $5.00!
  • Once you sell enough gigs, you become eligible to offer higher priced gigs and can make more money.

 

How to Start a Fiverr.com Account:

  1. The first step is signing up on their website at www.fiverr.com. 
  2. Once you’re logged in, you need create a gig.
  3. Under the new and improved Fiverr (V2), you click the Sales link in the top navigation.
  4. Next click on “My Gigs” from the right hand side of the page.
  5. Now you should see a big green button that says “ADD A NEW GIG”.
  6. Start by creating a gig title.
  7. It’s important to remember that when you’re first getting started on Fiverr, you can only sell 5 dollar gigs. 
  8. Sell something you think is valuable to somebody else but won’t take you forever to complete. 
  9. Fulfilling orders means delivering your gig on time within the time frame you specified. 
  10. In order to complete your gig listing, you need to pick a category and provide a description. 
  11. You will then be able to complete a listing, and that’s it!
  12. You can list up to 10 Gigs at a time.
  13. You’re now a Fiverr seller! 

Here are also a few Fiverr Tips:

  • You may think 10 orders and excellent ratings is difficult to accomplish. 
  • Another thing to note is Fiverr will allow you to upload a video into your gig gallery.
  • Fiverr claims that gigs with videos are viewed almost 3X more often than gigs without video. 
  • Once you have uploaded either a picture or video to your gig gallery, you can tag your gig with up to 5 keywords and provide any special instructions to the buyer.
  • After you publish your gig, it may need review before going live on the website.
  • My very first gig was automatically reviewed but approved within 24 hours.
  • After your gig has been approved and is listed as active in your Fiverr dashboard, you should start promoting it to your friends, family, and anybody else you think might be interested in buying your product or service. For instance, if you’re on Twitter, tweet it. Tons of friends on Facebook? Post it!
  • Fiverr charges a fee. Fiverr takes a 20% cut on every gig. Therefore, your $5 in your pocket payout is now $4, but still a fair payment. 

What would make good Fiverr.com gigs?

  • Are you a homeschooling parent, an educator, or an instructor? Consider showing others learning/teaching techniques or sample lesson plans.
  • Are you an awesome home chef? Post a recipe.
  • Can you juggle? Demonstrate a trick.
  • Are you an awesome storyteller? Record a story.
  • Are you a crafter? Show a demo on a DIY crafting project.
  • Are you a seasoned married couple? Share a video on advice and practice living.
  • Topics are limitless!

So, if you are interested in making money on Fiverr, give it a shot and you may surprise yourself. Do your homework though, and really think about something you can sell that provides value to the world around you. You may only be a few minutes away from being 5 dollars richer! 

So, for today I challenge you to create a Fiverr.com account, create a gig, post a video, and wait for the gigs to come in! 

Here’s to saving,

mbnlogosm

June No-Spend Month, Day 14: Save on Your Electric Bill This Summer!

 

June No-Spend Month Day 14-

Hello again, savvy savers! Can you believe this month is almost half-way done! I don’t know about you, but as difficult as no spend days are around my neck of the woods, knowing how much I have been able to save is awesome! Now onto today’s challenge!

As Summer is soon upon us, those longer, lazy, hazy days of warm weather, afternoon showers, and the omnipresent, money-sucking power bill spikes! If your anything like me, your seasonal electric bill can be nothing short of terror! 

With these ideas in mind, here are a few tips to help your “Summerize” your power bills this coming season:

1. Charge your cell phones in the car: Leaving your phone sitting on the charger overnight not only shortens your phones battery life, but costs undue amounts on your power bill, due to its phantom consumption charges; avoid theses charges by charging my phone and gadgets in the car  while I drive a few times a week! This small change can save you upwards of $10.00 a month!

2. Reduce the brightness on your HDTV: The factory settings on your HDTV are adjusted to provide the best in-store viewing experience, but home lighting often negates higher UV levels; reducing the brightness settings will slow your tv’s power usage by $3.00-$5.00 monthly. 

3. Running the fan on your A/C: Running the A/C fan to circulate the cool air already in your home, instead of turning down the thermostat, for two hours daily, will cut the cost of your monthly A/C costs by a 1/8th; this one trick helps cut my power bill by $30.00 monthly. 

4. Cook outdoors: Cooking outdoors causes you to not only use less electricity, but to not generate cook-related heat in your home, a real boon here in the deep south; also consider you will use less dishes, service wear, and utensils, too!

5. Wash clothes with cold water:  If you’re a night owl, consider washing laundry during non-peak times, from 7 pm-midnight in most area, using cold water cycles, will cut your laundries electrical usage by half!   

6. Clean your cooling system: Changing your air filters, keeping A/C return vents clear, and allowing air to circulate fully through your home will keep your A/C running efficiently this summer, and reduce service call fees.

8. Consider drying alternatives: Using a clothesline, DIY dryer balls, combine dryer loads, or time your dryer to stop can help cut your drying costs in half!

All of these steps have helped to keep my Summer power bills lower and it can for you, too!

Here’s to summer,

mbnlogosm

No Spend Challenge Day 3: Stockpile Clean-Out!

30-day-No-Spending-Chaday3llenge-

Good morning, savvy savers! I hope you are all well rested and ready for a new No-Spend Month daily challenge! 

Today I want to focus on one of the most neglected areas in my home, and perhaps yours, my couponed stockpile. Yes, the cave of Frugal Wonders! My stockpile, housed in my homes basement, though it’s well lit, houses many built-in shelving features, the area still seems to always be in need of rearranging, sorting, and cleaning! The one saving grace of this area, the exhilarating feeling I get each time I am able to gaze over my shelves, from the bins filled with shampoo to the well stocked baskets of paper products, and then proceed to “shop from my home!”  

2-pantrydddd

My stockpile, though hard earned, is an immense blessing to my home. And as they say, to whom much is given, much is asked, and this rule equally applies to my stockpile! My stockpile saves my family thousands of dollars a year, allows me to give generously to my local food pantry and women’s shelter…but I must admit is one of the most neglected area in my home. So, in order for me to be able to adequately access all that I have within in my home, singling out what I will not need to purchase this month, I will be giving my stockpile a much needed Spring Cleaning this afternoon. 

Here are a few tips to get you started:

1) Rotate your stockpile. “Rotating your stockpile” means rotating your stockpile per season. You will need to place goods in order of expiration date, my seasonal usage, as well as keeping climate into consideration; you may need to start storing it in one location for summer and another location for winter, in terms of baking tools, cans, chemicals, etc.

2) Long Term Storage: If you plan to store any item for longer than a week or two, you need to know its long-term storage requirements. Some items will only last months or longer if stored in a cool, dry place. Some items must be stored in a refrigerated or frozen environment in order to last longer. Make lists, and create sub-areas in your stockpile; examples are canned goods, cosmetics, paper products, etc.

3) Take Note of Patterns: Start a list of your product usage, this will allow you to see what you need, will use in a years time, and what should be donated accordingly. Unused goods are cash wasted.

4) Last Forever Items: Nothing lasts forever. Even goods such as bottled water, start to have an altered taste after a decade, so keep this in mind.

5) Canned and Preserved Goods: Keep inventory and note the dates of home-preserved items; a rule of thumbs is to only keep items no longer than two years. 

6) Pests: Pests love your stockpile, almost as much as you do! Be sure to check goods monthly, especially in Summer, and any goods that look altered, chuck immediately! 

7) Dehumidifier: Humidity can alter and mold many goods, so consider running a dehumidifier twice weekly. 

So, today I challenge you to check your shelves, inventory your goods, and make a point of donating all goods that you will not be able to consume, as a family, within one year! For as any couponer knows, cyclical sales, like the tides of the shore, just keep on a comin’! 

Be sure to check back tomorrow for today’s recap, and tomorrow’s new challenge! 

Here’s to saving,

mbnlogosm