Thrifty Thursday: Start saving in 2012 with a change jar!

One of the easiest ways to start saving this year is by starting a change jar if you don’t have one already!  Three years ago, my husband and I took Dave Ramsey’s Financial Peace University class and we have been using cash for all of our everyday purchases ever since.  Since we’ve been on a “cash only” system, we end up with a lot of change.  I started off by just keeping the change in my purse and either using it toward purchases or using it for a “bonus” for things like the vending machine at work or a Sonic drink during their “Happy Hour.”

Two years ago, we decided to do something different and we started a change jar.  Whenever we got change from our purchases, we would add it to the jar.  We were surprised when it was completely full by May that year and even more surprised when we went to cash it in and we had almost $100!  We both had guessed that it would be somewhere between $30 and $60!  Those pennies, nickels, dimes and sometimes quarters really do add up!

We have used the money from the change jar to have extra spending money for family vacations and we have also used to it to pay for Christmas gifts.  If you cash out your change at a Coinstar location, there are no fees if you get a gift card.  They have gift cards for Amazon, Gap, Chili’s, Old Navy, JC Penney, and even Kroger!!

Even our kids have gotten into this and they were so excited about throwing any change that they found into the change jar that we got each of them a piggy bank this week (they have them at Dollar Tree stores if you’re interested!) and now they’ve started their own change jars!

If you’re looking for a fun and easy way to save this year without taking money from your paychecks, a change jar is a great option!  It works for us.  I hope it will work for you, too!

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Thrifty Thursday: Five tips for saving on back to school clothes!

The expense of back to school shopping can add up quickly!  Here are five tips to help you save money on clothes as you start your back to school shopping!

1.  Set a budget ~ It’s not always fun to create a budget, but it helps to alleviate a lot of stress down the road!  Consider your monthly income and expenses, decide how much you have to spend, and stick to it!  It helps if you use cash only.  Also, if you have any gift cards you can use, add those in!

2.  Sign up for e-mail offers from your favorite stores ~ Most stores have some sort of e-newsletter and many of them send great valuable offers by e-mail.

Here are a few to sign up for: be sure to check the websites for other retail stores that you love!

-Carter’s
-JC Penney
-Kohl’s
-Old Navy
-Osh Kosh

3.  Combine coupons with sale prices ~ Watch for sales on the items you need and combine the sale prices with coupons.  Many stores also offer a 7 day price guarantee, which means that if the price drops within a week of your purchase, they will give you the price adjustment in cash.    Also, if you are shopping online, don’t forget to shop through a cash back site to save even more!  Sometimes theses sites have special coupon codes available when you shop with specific reatilers. Ebates is my personal favorite!  If you haven’t signed up yet, you can sign up here and you will get a $5 bonus after your first purchase.

4.  Don’t be afraid to check out consignment sales or consignment stores ~ You can score name brand clothing in great condition at a fraction of the price!  Find out how you can also make money by selling items at consignment stores in this post here.

5.  Shop during tax free days if your state participates ~ You can find a full list of tax free shopping dates by state as well as what’s included here.

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Thrifty Thursday: Free Summer Reading Programs for Kids!

I’ve always loved to read and one of the things that I love about summer is all of the great summer reading programs that are available for kids!  Here’s a round-up of all of the summer reading programs I know about:

Barnes & Noble’s Summer Reading Imagination’s Destination ~ Kids in grades 1-6 can read any 8 books, record them in their journal (along with why they would recommend the book), and then bring their completed form to a participating Barnes & Noble location between 5/24 and 9/6 for a free book!  Details are here.  Many Barnes & Noble stores also offer a weekly story time and craft for kids.  Check here for an event in here your area.

Book It Summer Reading Challenge Sweepstakes ~ Read five books between 6/15/11 and 8/15/11, submit the completed form and enter to win a prize pack that contains the following:  tote bag, water bottle, mini flier, mini ball, sunglasses, jump rope, book light, Mr. Popper’s Penguins, and a $20 Visa gift card.  Details are here.

Borders Double Dog Dare Challenge ~ Read 10 books between 6/1/11 and 9/5/11, complete the form, and bring the form into a local Borders or Waldenbooks store to get a FREE book.  Details are here.

Chuck E Cheese ~ Print the Reading Rewards calendar, read every day for 2 weeks, and get 10 free tokens!  Food purchase is required (I think in the past, a drink has counted as the “food purchase”) Details are here.

Half Price Books Feed Your Brain Summer Reading Program ~ Print out the reading log, have your kids read for at least 15 minutes each day between 6/1/11 and 7/31/11 and track it on the log, and once they’ve read for 600 minutes, and turn in your reading log between 7/25 and 8/7 to get a $5 Back to School Bucks summer reading reward!  One “top reader” per age group will also receive a $20 Half Price Books gift card.  Details are here.

HEB Summer Reading Club ~ HEB is a grocery store in Texas, so this promotion applies to Texas residents.  Read 10 books, log them on the form, have your parents initial the form, mail in the form, and receive a t-shirt in 3-4 weeks!  Details and the form are here.  Your form must be post-marked by 10/1/11.

Pottery Barn Kids ~ Visit your local store on Tuesdays from 11-11:30 am for story time!  Members receive an official Book Club Passport at their first Story Time and a special gift after attending five story times.  You may want to contact your store first to make sure they participate in this promotion.  Details are here.

Rainforest Cafe Rio Reading Rewards ~ Print the calendar, read 20 minutes per day for one month, and get a kids’ meal for $.99 with the purchae of an adult entree.  Details are here.

Scholastic Summer Reading Challenge ~ Read books, log your minutes, meet your reading goal, and enter to win prizes!  Details are here.  You can also submit an essay about your most special family moment, and you will get a free book plus be entered to win a trip for your family to Sea World!  Details are here.

TD Bank ~ If you have a TD Bank in your area, read 10 books this summer, log the books on the form, take the form into your nearest TD Bank branch, and $10 will be deposited into your Young Saver account!  Details are here.

Don’t forget to check out summer reading programs at your local library!  Our local libraries offer a summer reading program where kids earn rewards for reading books plus they offer story times for various age groups weekly throughout the summer!

If you know of any other summer reading programs, let me know!

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Thrifty Thursday: Four ways to save on prescriptions

If you have prescriptions that you have to fill regularly, the cost can add up quickly! Here are a few tips for saving on prescription medications.

Ask if there is a generic alternative ~ Talk with your doctor and find out if there is a generic alternative for the prescription medications that you are taking.  Many retailers are now offering a 30 day supply of a number of generic medications for just $4 or a 90 day supply for as low as $9.99

-CVS generic prescription drug list ($9.99 for a 90 day supply)
-KMart generic prescription drug list (30 day supply starting at just $5)
-Kroger generic prescription drug list (30 day supply for $4, 90 day supply for $10)
-Rite Aid participating generic prescription drug list ($8.99 for a 30 day supply, $15.99 for a 90 day supply)
-Target generic prescription drug list ($4 for a 30 day supply, $10 for a 90 day supply)
-Walgreens generic prescription drug list ($9.99 for a 30 day supply, $12 for a 90 day supply)
-Walmart generic prescription drug list ($4 for a 30 day supply, $10 for a 90 day supply)

Even if you don’t have a generic prescription, it doesn’t hurt to call different pharmacies to price it out!

Don’t be afraid to ask for samples ~ Many physicians receive free samples of prescription medications from pharmaceutical reps.  Don’t be afraid to ask them for free samples or coupons!  If you can’t afford your prescriptions, ask your physician about prescription assistance programs that may be available.

Find out if your insurance includes a mail order option ~ Many insurance companies offer a mail order option where the cost of your prescription will be discounted significantly if you order by mail and get a 90 day supply.

Transfer your prescriptions for added benefits ~ Many national chain stores, grocery stores, and drug stores want to compete for your business when it comes to prescriptions that you fill regularly!  They frequently offer coupons where you can get a gift card with any new or transferred prescription (ranging from $10 to $30 typically). Target typically offers these coupons in their ads once a month.  Lately, Kroger has been offering them in their weekly ad.  CVS and Walgreens will typically accept these competitor coupons, too!  You can transfer your prescriptions each month and make a little extra money along the way!

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Thrifty Thursday: Saving on vitamins!

In another lifetime, I used to buy those big huge bottles of vitamins at Costco and Sam’s Club.  I would anywhere from $10-14 and think I was getting a really good deal and that I was saving a lot of money.  That was before I discovered coupons of course!

It actually took me awhile to figure out that you can get vitamins MUCH cheaper by taking advantage of drug store deals.  If you check out your weekly ads, you will see that they typically have at least one brand priced at “Buy One, Get One Free.”  To sweeten this deal, there are money saving coupons to use, too and since most coupons will let you use TWO coupons (one for each item) on a buy one, get one free deal, you end up saving lots of money!

Let’s say that your drug store has Nature’s Bounty vitamins on sale BOGO free and you have two $1/1 coupons.   If the Vitamin C is priced at $2.99, here’s the breakdown of what this deal would look like:

Buy 2 Vitamin C – $2.99/each

Use 2 $1/1 printable coupons
-$2.99 (store promotion – BOGO free)

Spend $.99 out of pocket for two bottles of Vitamin C!

That’s a much better deal than any deal I ever got at Sam’s Club or Costco!

Here are some tips for saving money on vitamins:

1.  Register for money saving coupons from the following companies:

-Nature’s Bounty

-Nature Made

-Sundown

2.  Watch your drug store ads for Buy One, Get One free offers (sometimes grocery stores offer these promotions, too!)  Pair your coupons with these promotions for extra savings.

TIP: When taking advantage of a buy one, get one free promotion, make sure that you are buying items that are equal or comparable in price.  Typically, the lowest-priced item will come off as the “free” item and if you are buying two items that have a big variance in price, you won’t be saving as much.

For example:  If you are buying Niacin, which is priced at $9.99ish usually and then Vitamin C, which is priced at $2.99ish, the breakdown would look like this:

Buy Niacin – $9.99
Buy Vitamin C – $2.99

-$2 (two $1/1 coupons)
-$2.99 (store BOGO free promotion)

Spend $7.99 OOP

You would save more if you bought two bottles of Niacin!

Also, if you are buying more than just two bottles of vitamins and the vitamins have varying prices, make sure you break them up into separate transactions and buy bottles that are equal or comparable in price together!

I stockpile vitamins just like I stockpile other items.  Just make sure that you check the expiration dates when you purchase them and that you store them in a “safe” location!

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