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Category Archives: Grocery savings

Financial New Year’s Resolutions

Resolutions 2012When I was in high school and college, making New Year’s Resolutions was a big deal. I used to pore over magazines coming up with plans for how I would lose weight, exercise more, etc. However, now that I have become religious, I tend to make more serious goals around Rosh Hashanah and Yom Kippur, thinking about how I will become a better wife, mom, daughter, friend, teacher, and Jew.

With New Year’s approaching, though, I realized it might not be a bad idea to come up with some New Year’s resolutions related to our finances. My husband’s job has not turned out to be what he expected and finances have been really tough. He is looking for new work and I am hoping the new year will provide that. But in the meantime, new job or not, we need a plan to get us in better financial shape.

Here are my goals for the new year. I hope they will inspire you on your own quest to get your family set.

1) Get back to menu planning on a regular basis.

With money being so tight, my husband has become a master at creating meal plans based on whatever is in the house. We haven’t had the money to make full shopping trips and therefore have let our menu planning slide. However, it makes extra stress for him every morning to have to also figure out what to make. I want us to get back to menu planning each week regardless if we can buy two things or a loadful! See my posts on “Menu planning” and “Monthly menu planning.”

2) Keep up with our receipts.

Bill paying and entering receipts into our Quicken program are my least favorite tasks. So of course, I procrastinate. But then we are more likely to bounce or to encounter fees for paying things late. I am going to work harder at entering them every few days instead of waiting until I have several weeks worth! See my post on “Make your checkbook digital!”

3) Get our oil changed on a regular basis.

I always think of car maintenance last. When we don’t have much money, I think we can’t possibly afford to spend money on the car. Well, that thinking got us into big trouble this past year. We have neglected to change the oil on our van, for probably years. As a result, the engine died completely. After several hundred dollars of repairs the auto repair shop thought could fix the problem, we had to get a whole new engine. The repairs were then several thousand. It was the most expensive and embarrassing mistake we have ever made. I guess I should take my own advice. See my post on “Pay now to save later” and “What does an oil change cost?”

4) Really watching our budget.

During my husband’s trial period at his new job (when they were paying him a base), we were doing a bit better financially. I started a new routine that really helped us budget better. I virtually set aside a certain amount for our monthly and irregular expenses each half of the month. Then whenever we spent money in those categories, I would debit it from that amount/transaction. I knew how much we had left to spend in those categories by what amount was left in that transaction. It really helped us stay under our budget for the month on categories that we have more control of.

What are your financial New Year’s resolutions? Please share in the Comments section.

 

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After-Christmas sales are great for everyone!

Since starting this blog, I have really started to think outside the box about ways to save money. Upon reading one of Kosher on a Budget’s posts, “Why I love (the day after) Halloween,” I realized that it is easy to save on regular items you use everyday even during a holiday sale (and one I don’t celebrate for that matter). Previously I would only buy things from an after-holiday sale that I might use for my classroom. Now my eyes have opened to many possibilities. See my post on “Shop those Easter sales today.”

This post-holiday, I did really well at Walgreens and Target, and found a few last-minute items at Dollar General and Schnucks (our local grocery store). Here is what I found (on Thursday for Target and Walgreens and Friday for Dollar General and Schnucks):

WALGREENS:

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∞ Holiday candy: Who cares if the candy is wrapped in red and green? Still tastes as good!

I got two bags of Hershey’s Kisses (regularly $3.49/bag, on sale 50% off, also had a $1.10 coupon off 2 bags) = $1.19/bag. I also got two bags of Nestle candy (regularly $3.49/bag, on sale 50% off, also had a $1 coupon off 2 bags) = $1.24/bag.

∞ Stocking stuffers: Great place to look for small toy items. You’d be surprised – not everything looks Christmasy or has to do with a holiday character.

I found some small figurines by a brand I had never heard of. They may not be Legos, but for $1 each (50% off $2), they are great for our prize box.

∞ Holiday cards: Why buy them for full price? Instead I stock up each year for the next.

I normally do a photo card to friends and family, but I never seem to get them out on time. So it is always nice to have some Christmas and Chanukah cards on hand to put with a gift, food item, or send to someone if I need to. I got two boxes of cards (15 ct) for $.99 a box (50% off $1.99). Can’t beat that!

∞ Decorative items: You never know what you might find that can have another use.

I found plastic cups with snowflakes on them that were 3 for $1. With the 50% discount they came to $.16/cup. I got 25 for my students for next year (no matter what age I end up teaching) for only $4! I can use them to put their holiday treats in! This price beats the four-pack that I have seen sometimes at the dollar store.

∞ Baking items: Last year I found a cookie decorating kit (normally $9.99) for $5! It came in handy for decorating the boys’ cupcakes for their last birthday. See my post “Superhero kids’ party on a budget.”

TARGET:

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Target is my favorite place to shop for after-holiday sales because they always have a pretty good selection after most holidays.

Holiday food items: The same rule applies here as before – color or decor doesn’t matter much to us if it tastes good. This is also a great time of year to find special flavors only available during the winter season. I found:

- Two seasonal Pringles flavors: Cinnamon Sugar and White Chocolate Peppermint (each 50% off $1.52, also had a coupon for $1 off 4 containers; bought one at full price because son wanted BBQ = $.51 for each of the seasonal flavors)

- Holiday cookies: At 50% off $2.99, I got a nice after-dinner treat for $1.49 a package. These cookies were $1 to $2 more at the grocery store, even on sale!

- Limited edition ginger cheesecake sandwich cookies: We had tried these a few weeks ago and almost everyone loved them. Now at $1.68 a box, they are an even better deal!

- Baking items (peppermint icing): We enjoyed this seasonal flavor on cake this past Shabbos. It was a nice change of pace. I really should have bought two because it seems like the parve icings don’t go on sale as much as the dairy ones! The icing was $.94 a can (50% off $1.89)!

- Holiday candy: I love the new mint m&m’s and except for during the winter holidays, they are only available as a small pack or the stand-up pack size. I always get a few when they go on sale at CVS. I didn’t have a coupon, but at $2.09 a bag (normally $2.99), it was still a good deal! (Target’s holiday candy was only 30% off.)

Decorative items:

- Foam shapes: I always love to get the seasonal craft kits and foam shapes when they go on sale. In fact, just a week ago, I bought one set for Chanukah during that post-holiday sale. These are great to hang onto for the coming year for crafting at home and school. This year my students made ornaments with a set I had bought on clearance last year! (They were 50% off $5 = $2.50 each.)

- Shower puffs: Again color is not important, but at $.99 each for a shower puff, I get a nicer puff than I could get at the dollar store! I found these last year as well.

DOLLAR GENERAL and SCHNUCKS:

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I found a few more items when shopping at these two stores. The holiday decorations are to use on my classroom window (50% off $1 = $.50 each) and the jello pudding was a pumpkin spice flavor. Sounded really good, especially for $.80. The Ghirardelli seasonal chocolate was 50% off $5 = $2.49 a package, and also included some interesting seasonal flavors like peppermint and pumpkin spice!

I had hoped to find some cake or cupcake mixes (for last-minute baking) or some holiday candy (for goodie bags for my students) this year, but no such luck. Chocolate was in abundance, but I worried about saving chocolate for a year!

I hope this post gives you some ideas on how you can save next year at the after-Christmas sales and maybe at some other post-holiday sales!

Happy New Year!

 

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Why I love Target!

English: Logo of Target, US-based retail chain

Tonight I had a very successful trip to Target. Some trips, particularly those when I take the kids, I leave exhausted and frustrated. However, there are those like tonight when I find so many good deals that I can’t wait to get home and share them all with my husband. For those of you who haven’t discovered Target’s finer points, or for those who just want to save more there, here are my reasons Target is one of my favorite stores:

1) Coupons:

Target has their own coupons you can print from their website. They can be stacked with manufacturer’s coupons, so you save even more. They have coupons on everything from name brands to their own brands to specific sections of the store. On most trips, I can save at least $20 in coupons! I even get coupons in the mail from Target. I think I get these from having a Target baby registry at one time and for making purchases online from their website.

2) Red Card:

You can get a Target Red Card: either debit or credit card, which gives you 5% back on each purchase. The discount is applied immediately – no waiting for rebates or reward cards. We do not have any credit cards, so I love that I can get these same rewards with the debit card. The money comes right out of my checking account as a regular debit card does. Tonight I saved an extra $10 from using my Red Card!

3) Bag discounts:

When you bring your own bags to use for your purchases, Target will give you $.05 back for each bag. This also comes right off your total purchase cost. Every little bit adds up. For more information on bag discounts, see my post “Reusable shopping bags = savings.”

4) Seasonal sales:

Target is a great place for getting great deals on seasonal items. No matter if you celebrate the holiday or not, the days after can provide some wonderful sales! See my post tomorrow for all the goodies I found during after Christmas sales! Target also has a great variety of items they only have available for different seasons and holidays and some that are only found at their store such as: home decor, organizational items, food, novelties, gift items, dining/cookware, and more. We have gotten several things during some of these seasonal sales that have lasted us years. See my related post on “Shop those Easter sales today!”

5) A fun shopping experience:

I love finding new items every time I go to Target. Maybe it is a new line of dishware. Maybe it is a new line of craft items. Or a new line of toys for that time of year. There is always something new to find and normally at great deals. The dollar aisle has also yielded some great gifts, toys, and teaching items for me and my family!

6) Sales on staple items:

I know that even if I don’t have a coupon, Target is going to have a sale on items I use often at some point. And for many items, even if I do not have a coupon and it is not on sale, their price still beats many competitors. I like not feeling so guilty if I have to make a purchase there without a sale or coupon! This is where my price list really comes in handy. See my post on “Keeping a price list.”

7) Good quality clothing for reasonable prices:

With my busy schedule, I do not get a lot of time to shop. I love that I can find clothing for everyone in the family at Target. I especially like that I can find staple items for good prices, whether or not they go on sale. I depend on Target for pajamas for the family, sweats for the kids and myself, socks and underwear for everyone, etc. Pajamas for my boys can get quite costly. At a department store, you can easily spend $10 or more for one set. At Target, I get the Carter’s First Year brand and spend $12-$13 for two sets together. They sometimes go on sale for a few bucks less, and then there are days like today where I found three sets of the same size for half price! They sell sets year-round tailored for each season and the designs change. They are comfortable and last. My boys love them!

Their clothes last and look good. My little boys wear many items that their older brother wore that I probably paid less than $5-$10 a piece for! I often find such good deals that I even buy sizes for later and then store them in the basement. Today I found hoodie jackets for $2.98. I also found sweatshirts and sweatpants for $2.08 in the boys’ department! I bought three hoodies for each size S – L (I could only find one XL)! They will be set for a few years! See my post “Staying on top of your kids’ clothing.”

8) Black Friday is a breeze!

I am not a diehard Black Friday shopper that will stand in line hours before a store opens or camps out the night before. My Black Friday shopping route in simple: CVS and Target and occasionally one or two other stores. For the past two years, Target has had some great Black Friday deals like cheap pajamas for the family, great toy deals, and cheap hat/glove sets for the kids. I have not had to go right when the store opened. I get there mid-morning, and for the most part all the items I have been looking for were still in stock! They don’t just provide a few each of their good deals, but plenty for many shoppers! I am not shopping high-priced items, but I still come out with some great deals and am quite happy!

9) A clean and usually well-stocked store:

I know I can find good deals, too, at Wal-Mart, but I found the clutter and disorganization to create more stress than success. I like that Target is always clean and orderly and I know where everything is. The order of the store makes sense and it is not so large that I am very exhausted when I finish a trip complete with groceries, too. Occasionally the dollar aisle is a mess, but overall the store is pretty well-kept!

10) Plenty of online deals as well:

Target often has a sale on something I need more than one of, but the store doesn’t have that many or the right size in stock. However, the website does. I recently got tennis shoes for my boys and paid a minimal amount for shipping! Shoe costs can add up, so we were all very excited! And compared to the Wal-Mart shoes I have purchased, these have lasted a lot longer! I have also gotten some great skirts from their daily deals as well as other items. See my post “Online shopping tips” to make the most of your Internet shopping.

11) Clearance sections:

It seems that so many stores have junk in their clearance sections. However, at Target, I find stuff all the time. I particularly love to shop the clothing clearances, as I mentioned before. I always find great deals on clothing for my kids. By putting those purchases and hand-me-downs aside for later, my kids love when they grow out of a size and I bring up boxes of great stuff for the new season. The boxes include new and used, but they don’t care. By thinking ahead, I rarely have to buy much for the new season!

Target also has clearance sections in other departments. The end caps of aisles are always full of surprises and there are always tons of items on clearance in the home department! Today I got two great toys to put aside in my gift drawer and gingerbread cheesecake cookies only available for a limited time and so yummy! See my post on “Preparing for gift-giving = savings.”

NOTE: To find the best deals for Target each week, check out “Kosher on a Budget” and “Totally Target,” two great blogs.

Happy shopping!

Please feel free to share why you love Target in the Comments section!

 

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September is the time to buy… (2012 update)

Certain times of the year are the best times to buy various things based on sales and availability. Here is your tip sheet for this month:

Cars: September is when new cars begin arriving at the dealers. They will then discount their older models to make room for new inventory. RV deals are common in the fall, too.

Certain fruits: September is the time to buy apples, blueberries, cantaloupe, cranberries, honeydew melons, nectarines, peaches, Bartlett pears, and plums.

Certain vegetables: September is the time to buy cauliflower, corn, eggplants, peppers, and spinach.

Charcoal grill: After Labor Day retailers offer sales of as much of 30 percent off from now and until December. The best selection is available in the fall.

Furnaces: Contractors and heating/cooling companies are not busy with emergency calls during this season, so they frequently will offer deals to sell appliances during their non-busy time.

Jewelry: September (along with January, March, April, July and August) are non-gift giving months. Retailers are more likely to offer sales during these months to help promote business.

Lawn mowers: To make room for their leaf machines and snowblowers, retailers will put their lawn mowers on sale. The closer to late fall, the more the discounts, but the less selection, too.

MP3 players: Companies sometimes put older models on sale during this time to make way for the newer models they will introduce in the fall. Consumers can then try them out and then give then as gifts for the holidays.

Plants, trees, and shrubs: Nurseries often drop their prices on these items in the fall to clear out their plentiful summer inventory. Now is the time to buy bulbs, too. Store them in the winter and then plant them in spring. Independent nurseries will often have larger markdowns and a wider selection than national retailers (big-box stores).

Ranges, stoves, and dishwashers: New models arrive around this time of year, which means older ones will often be discounted. Cooking-related appliances also go on sale now for Labor Day.

School supplies: Check local retailers for the last of their school supplies that they want to get rid of.

Swimsuits: This is the time that stores badly want to get rid of swimsuits and other summer items they have left.

Tires: To prepare your car for better traction in rain, snow and ice (winter), buy new tires now.

Sources:

Related articles:

 

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Seasoning shortcuts

I have gotten a few requests for the actual recipes that I mentioned in my post earlier this week on “Don’t buy it, make it homemade – Part 3.”  I thought I would share three seasoning recipes from my favorite saving money book series, “The Tightwad Gazette.” These books are what started me on my journey to save on my family’s expenses. There are three volumes in this series and one complete version with the best tips from all three.

TACO SEASONING MIX

♦ 4 t. chili powder
♦ 3 t. cumin
♦ 3 1/3 t. paprika
♦ 2 t. onion powder
♦ 2 t. garlic powder
♦ 1/8 – 1/4 t. cayenne pepper

* This recipe is twice as strong as store-bought, so use half as much as your recipe calls for.

ONION SOUP MIX

♦ 3/4 c. instant minced onion
♦ 4 t. onion powder
♦ 1/3 c. beef bouillon powder
♦ 1/4 t. celery seed, crushed
♦ 1/4 t. sugar

* To use, add 2 T. to 1 C. boiling water; it makes a stronger flavored mix than a regular mix.

SEASONED SALT

♦ 8 T. salt
♦ 3 T. pepper
♦ 2 T. paprika
♦ 1/2 T. onion powder
♦ 1/2 T. garlic powder

I also have two recipes for making your own chocolate syrup and pancake syrup. However, since we have not tried them yet, I will save them for another time!

To read more about saving money by making foods from scratch, see my posts:

 

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Don’t buy it, make it homemade – Part 3

Homemade Chili Powder

Several months ago I wrote about how we have tried over the years to make a few things from scratch versus buying premade (see my posts “Making your own challah” and “(More) Make your own”). Keeping kosher already encourages us to do this since sometimes there is not a store-bought version available or it is very expensive. This has not become an everyday habit for us, but there are some things we do make on a regular basis:

∞ Birthday cakes and cupcakes – No store-bought sheet cakes for us; this way is cheaper and we can personalize the treat more to the honoree.

∞ Bread crumbs – My husband saves the leftover bread from Shabbos and it gets ground into bread crumbs to use later in recipes. See my post “Recipe favorites: Crumb chicken” for one way we use bread crumbs.

∞ Canning – I would love to try more canning as well, because although it is time-consuming, you do get a lot and save so much! Check out our first attempt in my post “First canning experiment: Apple butter.”

∞ Croutons and Caesar dressing (as I have mentioned in my post “Stretching your dinner dime… dollar”) – This is one of our favorite meals and much easier and cheaper than finding a kosher store-bought version.

∞ Desserts – Especially for Shabbos, unless we have a cheap boxed cake mix.

∞ Refried beans – We love these and eat them often. The recipe makes a big batch, so we freeze it and it is good for several meals (burritos or enchiladas). See my husband’s recipe here: Refried Beans recipe.

∞ Salad dressing – We love the Good Seasons packets, but occasionally branch out into homemade recipes.

∞ Salsa, pico de gallo, and guacamole – Mexican is one of our favorite cuisine types and we eat it at least once a week. My husband has become a master at creating his own dips that the family loves! I had never liked guacamole before trying his!

∞ Taco seasoning – Until we found taco-flavored soy meat and later a taco seasoning mix at Sam’s Club, we used to always make our own taco seasoning. It was easy and could be stored along with our other spices.

Next year, when all our boys will be at elementary school, we are definitely going to start making our own bread. We will easily go through a loaf in two days with packing lunches!

As part of my quest to find new things to make homemade, here are some resources I found today:

Please share your homemade experiments with us all in the Comments Section!

 

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New series: Highlights from my favorite cookbook

This week I was very excited to get in touch with my favorite cookbook author, Sarah Fritschner. She has written many cookbooks and worked as a food writer for several newspapers, most recently as the food editor for the Louisville Times and Courier-Journal. Since 2009, she has served as the coordinator for the Louisville Farm to Table, created to bring together area farmers and their locally-grown foods with Louisville consumers in their homes, schools, restaurants, and workplaces, bolstering the local food economy.

My favorite cookbook of hers is “Vegetarian Express Lane Cookbook,” We use it several times a week and love the simple, easy-to-prepare recipes that involve 10 ingredients or less. The cookbook includes recipes for main dishes, sides, desserts, soups, pizzas, and more. We eat vegetarian on most weekdays (due to cost mostly, but it does benefit our health, too) and so this cookbook has become indispensable!

I originally bought this cookbook back in college when I had often thought about going vegetarian. Who would have guessed it would be my favorite cookbook for my family of six? We have had this book so long and used it so often, that the pages are turning yellow and we have many post-it flags to mark our favorites! Unfortunately, it is out-of-print. However, you can get it used from various sellers on Amazon, or possibly from your local library.

Since starting this blog, I have wanted to share some of the recipes from this cookbook. Thankfully, I got permission this week from the author to do this! So starting next week, I hope to feature one recipe a week from this great cookbook. I will include pictures of the finished recipes, too!

For more ideas on menu planning and great recipes, check out my posts:

 

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Wash, store, and save! (Two favorite kitchen products)

We have many things in our kitchen that hardly get used, even though they seemed like such a good idea at the time. Getting cookies just right without burning seemed like a great reason to buy a cookie sheet stone, but I think we have used it maybe twice! The second crock pot was great for making parve soups, but how often do we use it?

There are two things we do use nonstop in our kitchen. They save us time, money, and space. They also help reduce our food waste!

The first is our salad spinner bags.

Our favorite is the Argee “Spin ‘n Stor” Reusable Salad Spinner Bags. We first found them at Whole Foods, but now we buy them online. However, they last a while, so we very rarely need to buy new ones. These bags work just like a salad spinner, but without having one more gadget to store in your cabinet or refrigerator. You wash the lettuce and then place it in the bag. Then you close the top with your hands and spin it around. The water gathers on the bottom in a little reservoir. Then you pour it out the side of the bag. We love it. The boys think it is funny to see my husband swing the bag around!

After we wash a bunch of lettuce, we then store the washed lettuce in our second favorite kitchen product – produce bags.

We love the Debbie Meyer Green Bags. These hold your washed produce and keep them fresh. They work great and help us also distinguish between what has been washed and not washed in the refrigerator. Our fruits and vegetables last much longer stored in these.

I have not priced these out to see who has them cheapest, but Amazon offers them both from various retailers. You can also try Pricegrabber (see my post “Savings Tool Review: Pricegrabber”) to compare prices at several retailers at once. I have seen the Debbie Meyer bags in stores as well.

For more ideas on saving money in the kitchen, see my posts:

Do you have any kitchen products you can’t live without? Please share in the comments section!

 

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Coupon “re”-organization

For the past many years I have organized my coupons in small vertical photo albums that hold three photos on each side (see my post “Organizing coupons” for details). This worked great because I could just slide my coupons in the slots and I could see six sections at once. I didn’t need to fold many (except the Target coupons which are a bit bigger) and I could see the whole coupon. I could open them in the basket of the shopping cart and they were lightweight. I was using more coupons and could easily compare deals while in the store, versus how hard it was to find what I needed when I used an expandable small coupon holder. My husband and I often got compliments at stores on what a great idea they were.

However, we needed three of these such albums to hold all of our coupons: one for groceries, one for toiletries/supplies/household items, and one for store coupons and amusement. It was a pain switching between albums while at Target and sometimes they wouldn’t stay open in the cart basket. The pockets were also ripping a bit and it was sometimes hard to get a small coupon out, since you could only reach inside the pockets sideways.

So I decided to make a leap to try the cloth zipper binder method that so many couponers use. I decided against the decorative coupon holder/bags, because I am sure my husband would not want to carry something that looks like a lady’s purse! I bought a 3″ 3-ring Case-it zipper binder from OfficeMax, not as cheap as they later went on sale for at Target; but my husband couldn’t find any at our local Target.

I then researched page protectors/coupon holders and decided that I liked the three slot holders best because it would be similar to what I was used to. I found a great deal from Hobbies Depot for a pack of 100 for less than $20 (and no shipping charge).

They arrived the other day and much to my dismay and surprise, they were one-sided! I had no idea they were like that. My friend and fellow couponer, Jessi, assured me that I had not bought the wrong thing; they all were one-sided.

Thus, my dilemma – how to maximize my storage capabilities and still have a system similar to what I was used to (6 sections to see at once).

In comes my patient, helpful, and intelligent husband, who obliged by listening to my problem. Then he came up with a brilliant solution! Adhere the page protectors back-to-back so that we had slots on both sides! I found some double-sided removable Scotch tape in my office supply stash, and applied 5 small strips to the back of one protector and attached it to the back of another protector, so that each had the pockets facing out and the tops the right way.

Perfect!

The only downside is that our ”coupon” albums had a white backing behind the pockets so that you didn’t see through to the other side. We thought about maybe putting a piece of paper between the two page protectors, but this would have made a lot of extra work (with needing to tape twice for each set of pages) and more weight for the whole binder. We will just have to get used to it!I did steal a few ideas from Laurie at Passionate Penny Pincher, thanks to her video tutorial on her coupon organizing. I used a few plastic sleeves that have diagonal or horizontal slits in them. You can get them with or without divider tabs. These I used to hold coupons that I don’t need to necessarily see laid out at a store like automotive, amusement, home repair, medical, etc.

I am so excited to use my new binder! I love that it has a pocket for the coupons I have pulled for the checkout and dividers to hold sale fliers, etc. I even plan to put a copy of my price list in the front. I normally keep it in my purse, so that even if I am shopping without coupons, I have it handy. With the price list in the binder, my husband can use it, too, and it will be easier to flip pages.

* For more information on couponing, see my posts “Coupon websites – updated!” and “Don’t throw out your expired coupons!” My friend and fellow blogger, Mara, at Kosher on a Budget, has lots of great information on couponing in her series Couponing Basics.

Let me know what your coupon organizing style is and how you have made yours work!

 

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August is the time to buy… (2012 update)

Necklace

There are certain times of the year that are best for purchasing various items, due to various factors. Here are a few to keep in mind for the last month of summer:

Bottled water: With summer picnics and barbecues, stores often drop the price of bottled water. If you prefer bottle water, now is the time to stock up. However, you can save even more money if you buy a filter for your tap or refrigerator and use your own bottles!

Certain fruits: August is a good time to buy blueberries, cantaloupe, cherries, honeydew melons, lines, nectarines, peaches, Bartlett pears, plums, raspberries and watermelons.

Certain vegetables: August is a good time to buy corn, cucumbers, eggplants, lettuce, and peppers.

Computers: Back-to-school sales often offer the lowest prices of the year. You can sometimes get freebies like printers, too.

Home Décor: It’s wedding season so retailers will offer sales to help shoppers buying gifts.

House paint: More people paint in the summer months, so stores sometimes lower prices and hope you’ll buy other regular-priced things, too.

Jewelry: August (along with January, March, April, July, and September) are non-gift giving months. Retailers are more likely to offer sales during these months to promote business.

MP3 players: Companies sometimes put older models on sale to make way for the newer models they will introduce in the fall. Consumers can try them out and then give them as gifts for the holidays.

School Supplies and dorm furniture: Check out the great deals at various retailers like Target, Wal-Mart, OfficeMax, Office Depot, Staples, Walgreens, and CVS. Even if you don’t have children in school, some office supplies (which are also used by students) are also sold at cheap prices during this time. See my post “School Supply Shopping Strategy” for tips on how to get the most for your money.

Swimsuits: Stores want to get rid of their inventory, so the prices go way down. You can also update your look just by buying a  new separate to match one you already own (like for two-piece suits). Think about next year for your kids as well. I already bought rash guards for my boys for next year so we won’t have the same stress of rashes from sunscreen/eczema.

If you plan to shop online, check out my “Online shopping tips.”

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