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November 2010           Volume 2 Issue 11
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In This Issue
Save the Date
Deal of the Month
Mary & Money
Survival Tips for Holiday Travel
Couponing Tips

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Save the Date! purple purse
10.22.2011
From Purses to Portfolios Celebration
 
DEAL OF THE MONTH:
THANKSGIVING MONEY SAVING TIPS!   

  • Go for What's in Season: Buy produce in season, and you will get much more for your moneydinner plate.
  • Buy a Supermarket Bird: Supermarket turkeys can be fine alternatives for less than $2 a pound. 
  • Start From Scratch: To cut costs and ensure the tastiest of feasts, make your own pie crust, cranberry sauce, and gravy rather than opening up a box or a can. A bakery-bought pecan pumpkin pie can go for upwards of $50, but a homemade version will run you $15-and $5 less if you omit the pecans.
  • Know When to Buy Canned or Frozen: Some canned and frozen foods are fine alternatives to fresh. Canned pumpkin is one of the great American ingredients, and the generic brands are as good as premium labels. Frozen vegetables can be both superior to and cheaper than out-of-season fresh ones.
  • Make It a Potluck: Don't be embarrassed to ask for help. People are happy to pitch in and bring a dish or two, and potlucks are trendy right now.

Click here for the entire article.

 

Mary & Money
Living Brilliantly

by Mary Caraccioli

One of the great things about my job is that each day I get to dip my toe into a new world.This week I spent time with author and blogster Kristen Hagopian. She wrote the book Brilliant Frugal Living. She is a whirlwind, funny and non-stop with the snappy dialogue. But Kristen's genius is living frugally. She gave up her $50K job when she had kids, after she and her husband decided to make one paycheck work. Instead of sulking about what she had to give up, Kristen is joyful about each dollar she saves.


The day I spent with her she took me to her secret weapon grocery store, BB's in Morgantown, PA. BB's sells overstock and damaged products from the big grocers. It was a delight finding high quality organic and other top quality products for literally next to nothing, and was even more fun watching Kristen come to life as we stumbled upon organic dark chocolate bars, usually 3 or 4 dollars a piece for 25-cents. She momentarily forgot about our shoot and grabbed the stack. This catch wasn't going to anyone else.


The same day she snagged a $70 Little Tykes desk for her daughter for $20, thanks to craigslist. The beauty of Kristen's lifestyle is not just consuming cheaply, it is about using what you have and thinking things through before you spend money. Those things ultimately reduce the quantity and increase the quality, of what she and her family consume. Check out her blog at HTTP://BRILLIANTFRUGALLIVING.WORDPRESS.COM/

 Top 10 survival tips for holiday travel

  Adapted from an article on cheapflights.com


Anticipating the holidays can be stressful, and traveling for them can be even more so. With a little bit of planning, you can avoid the headaches and panic by taking the necessary steps for a successful journey.

 

planeBook your flight yesterday.
Avoid unnecessary angst by booking your flights before it's too late. While some last-minute sales are bound to crop up, there's no guarantee they'll be on the days you need them for, and if they don't work out, you'll be stuck with the day-before blues.

 

Schedule morning flights.
Booking the first flight of the day means you're less likely to deal with delays and hectic situations at the airport. If you're traveling with kids, it's also easier to avoid the

                                                            afternoon tiredness and get the flight over and done with.

Travel on the big day.
Don't have to be somewhere until dinner time? It's a huge risk, but if you're willing to take it, you could save serious cash. Rates plummet on the holidays themselves, and so do crowds at the airport.


Consider alternate airports.ticket lady
If you're within driving distance to more than one airport, you might want to check if the smaller or further one has a less expensive route.

 

Ditch connections.
Try to avoid these at all costs, no matter how long your flight is. Bad weather, logistical delays and lost baggage are just a few reasons that connections can ruin your journey - especially if you're traveling with children.

 

Make peace with the price.
Accept the price for what it is, and learn to save elsewhere. Bring snacks to avoid the high cost of airport food, and bring one bag to bypass luggage fees. Need presents for the folks you're visiting? Buy gifts online and have them shipped to save on lugging them over, and outsmart the possibility of them getting lost.

 

Stay healthy.
You'll need to think on your feet when it comes to making last-minute travel decisions - the last thing you want to be is sick. Lack of sleep can also make you more susceptible to getting sick from crowds of travelers at the airport or on planes, so get your shut-eye, carry sanitizer, and consider immunity-boosting supplements, like Airborne or Echinacea a few days before your trip.

 

luggagePrepare a sanity carry-on.
Layovers, delayed flights and long in-flight annoyances require instant remedies. Play the game of "what would you bring to a deserted island" and carry it on your back. Bring reading material, your lap top, an iPod, and snacks. More importantly, bring a light change of clothing and any prescriptions you might need if you get stranded.

 

Leave earlier than you think you should.
Really early - early enough to feel silly for doing so. Even if you're waiting at the airport for a long time, at least you'll be through security and can unwind with one of the many items in your sanity carry-on, or explore the shops and restaurants in the airport.

 

Don't underestimate WiFi.
Use it. Airlines like American, Delta, Southwest, United and Virgin all utilize wireless internet service in varying degrees and prices. For a small price (and the weight of your laptop on your back) you won't be restrained to the book in your bag.


Click here for the complete article!



Couponing Tips from 'Savvy Shopper' Sharon Boland!

Sharon suggests that you ask yourself these questions before you begin to coupon.

·      What are your needs and the needs of your family?

·      Do you have specific brand preference?

·      Do you have the space to store what you've purchased? 

·      Will you use the perishables before the expiration dates?


     Sources for Coupons

couponsSome of the many  general computer websites for all of your grocery needs: www.coupons.com, www.couponcabin.com, www.couponmountain.com www.mycoupons.com, www.gogrocery.com, www.redplum.com, www.smartsource.com

Your local Sunday paper is an excellent source for coupons.  Redplum and Smartsource (listed above) print circulars with a good variety of national brand grocery items. 


Organization of Your Coupons

There are many ways to organize coupons:  Category; How the store aisle is; Alphabetical, etc.  And, there are many things you can use (and purchase) to carry coupons:  Shoeboxes, Coupon Caddy's, Etc. It's not the most important thing but it's what's best for you.   I recommend that you periodically go through your coupon container to throw out expired coupons, it will save you time at the store. You may also want to put your name and work phone number somewhere on your coupon holder if you want it back in case you leave it at the store or in the grocery cart.                                                    

grocshoppingRemembering Your Coupons

Sounds funny to remark about remembering to bring your coupons, doesn't it? I've found it's easy to clip coupons and just as easy to leave them at home.  My solution has been to keep my coupon container in my car - I'm prepared for all planned and unplanned trips to the store.  


Learn Store Policies

Some stores do not accept internet/online coupons or limit how many you can redeem on each visit.  Some stores double coupons only up to 50 cents.  For coupons of 75 cents and up, they will only give you $1. Check your receipt.  Some stores will refund the item cost if they charged you a higher price.


Set and Meet Your Financial Goals with the Money You Saved!

Start with a goal today.  It's easy.  When you get home from the store, look at your receipt for the amount of money that you saved.   All stores add it up for you.  Take the money you saved and pay yourself.


Suggestions & Tips

Look at your coupons while you look at your Store Ads to compare what's on sale.  Compare prices clipping couponsfrom store to store.  Be sure to compare both brand name and store brand items. Carry a calculator while you shop, you'll save time determining savings. Create a g-mail account just so the coupon websites and manufacturers can send your coupons to this account and not clog up your personal e-mail.  You can also use this e-mail for the newsletters offered by the manufacturers.  Often coupons are embedded in the newsletters. Call and ask manufacturers to mail you coupons.  

 



HAPPY THANKSGIVING!