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smart shopper

Shopping

5 Ways To Save Money On Household Essentials

If you’re in charge of the household budget, you may be constantly on the lookout for ways to cut back on the essential products you buy the most, not to mention big-ticket items that you purchase only infrequently. And whether you’re purchasing toilet paper, frozen pizza, or electronics, there are all kinds of ways to cut costs if you’re willing to put in the time and effort. Luckily, there are also tools and strategies that will help to streamline the process. Here are just a few money-saving tips that should truncate your spending.

Join a coupon club. If you simply don’t have the time to engage in hours of extreme couponing as though it were a full-time job, then you can get a little relief and a lot of savings by joining a local coupon club. Each member splits tasks like checking circulars, searching for manufacturer coupons online, and matching up deals for increased savings. You’ll realize the same savings as extreme couponers with only a fraction of the effort.

Double dip. One great way to save that many people overlook is through double dipping on coupons and discounts. For example, if you have a store coupon for an item that you purchase frequently, you might also look online for a manufacturer coupon that allows you to increase your savings. And if you manage to use them when the item is already on sale, you might end up walking away with a steal. It is for this reason that many couponers stockpile non-perishable items; they simply might not find such a good deal down the road.

February 17, 2013

Money Saving Tips

5 Tips For Furnishing A Home On A Limited Budget

Moving can be a pretty intense experience, but there are few things that are more exciting than moving into a brand new place for the very first time. When you get to finally start building your very own home, all the potential can be a little bit overwhelming. Unfortunately, so can the costs. It’s not cheap to come across all the things that you’re going to need to properly furnish your home, and these days, most of us aren’t exactly rolling around in extra money. If you’re trying to furnish your home on a budget, you’re definitely not alone. Given the behavior of the economy over the course of the last several years, a lot of individuals are still trying to live as frugally as possible. Thankfully, though, this means that everyone is trying harder and harder to come up with ways to do more while spending less. When it comes to furnishing your home, there are definitely a few solutions that can help you get what you need without breaking the bank. These tips will show you how to create your own proper living space without spending a small fortune in the process.

1. Utilize Craigslist. Craigslist might sound tried and true, but that’s because it works. Just about everyone uses Craigslist, or has used it at some point in the past. A resource likes this (and there are plenty of others online, as well) can help you to easily find great deals on used furniture that are right in your area. If you live in a relatively crowded or metropolitan space, you might even be able to find things just around the corner from where you live. Often, things can be found for free on a site like Craigslist, as well. It all depends on how patient you are and how diligently you search through those listings.

February 7, 2013

Shopping

5 Things You Should Always Negotiate

People today don’t seem to have the haggling skills of past generations. More and more consumers are content to pay sticker price or MSRP on everything they buy. Perhaps it’s lazy shopping, or maybe shyness is plaguing our society. Whatever the case may be, it’s time you started learning to negotiate for your purchases again. There are 5 things in particular that you should always negotiate.

The Price of a Car

More negotiations happen at car dealerships every day than at any other kind of business. Cars are very expensive, and a purchase like this is an investment of thousands of dollars and years of monthly payments. Salespeople at the car dealership will typically offer flexibility in payment plans, but don’t forget to negotiate the total price of the car. Your salesperson would rather trim the price of a car on the lot than risk missing out on a sale.

Mortgage Rates

If you ever find yourself on the real estate market, looking for a new home, be sure to take some extra time to find the best rates on a mortgage. If you have a good credit rating, you should be able to haggle for a lower APR. You may also be able to negotiate the elimination of processing charges and closing fees. These may not seem significant compared to the price of a house, but there is a potential for several thousand dollars in savings if you negotiate with mortgage lenders.

February 4, 2013

Shopping

Think Before You Shop – 3 Ways To Save Money

How often do you shop for something that you need? Are you constantly looking for a good deal? There are a lot of people out there that shop even when they don’t have the money and that is why I want to show you a few ways to save money even while shopping. Although this will take some mental power on your part, it is going to benefit you in the long run.

Stick to a plan.

The very first thing you must do if you plan on saving money while still shopping is to stick to a plan. By plan I am talking about creating a plan as to which stores you are going to shop at, how much you will spend at each one and what you plan on buying. The reason why planning is so important to saving money is because it eliminates the amount of money you spend on things you don’t need. A lot of people will spend roughly 15% of their money just on things that catch their eye, so make sure you avoid this altogether.

December 27, 2012

Shopping

10 Great Items To Buy In Bulk

Buying in bulk doesn’t always work. Unless you’re running a restaurant, it’s hard to guarantee that you’ll use up all of a bulk perishable before the expiration date. The cheaper base price can get quickly canceled out – and even completely overwhelmed – by the cost of what was wasted.

This list of smart bulk buys is a safe bet for any household shopper. It includes not just savvy buys that are unlikely to go bad, but also items that are most commonly discounted and give the best savings when purchased in bulk.

November 14, 2012

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