David Bibby David Bibby is 35 years old currently living in Palm Bay, FL with his wife Catherine and two daughters. David is a Christian, writer, and programmer. He became interested in personal finance at age 20 while working for a credit union. He owns and operates numerous websites on
topics ranging from finances to marriage help. His latest project CouponFedFamily.com
might be his most ambitious yet!
My family and I are always on the lookout for great deals at grocery stores, pharmacies, and general goods stores. When we find a deal that results in 50% off of an item we like to buy, we generally buy three or four of that item. However, when a deal comes along that saves us 90% or more, that is when we really stock up.
Because we are a family of extreme couponers and our process is well established, saving 50% takes little effort. Our goal, however, is to save 90%, and that takes a bit of extra effort to achieve. Thankfully, it’s become easier to reach this goal by using SavingsAngel and its new “Price Watcher” feature.
The average American family spends between $500 and $1,100 every month on groceries, toiletries, cleaning products, pet items, clothes, and simple entertainment costs. You know you can make some sacrifices to get from the high-end of that range to the low-end. But can you really reduce or even eliminate some of these costs without giving up on good nutrition and hygiene? You absolutely can!
I have a veritable gold mine of groceries and toiletries sitting on a street corner just a few blocks from where I live. It’s called Walgreens, and nearly every time I leave the store, I do so with numerous free items in my bag.
This is possible because I’ve learned how to use the Walgreens Register Rewards program effectively. Once you understand the basics of this program, you too will be able to maximize the savings.
If you’ve ever shopped at CVS, you might have heard this question: “Do you have a CVS card?” I never understood the usefulness of this free card until I signed up for one. Now I use my CVS card regularly to receive instant discounts on products, collect ExtraBucks, and receive advance notice of deals via email. Using the card and the ExtraCare Rewards Program effectively allows me to receive free items, and sometimes even earn extra spending money.
One of the biggest dilemmas facing today’s career-oriented woman is whether to continue working or to stay at home and raise children. For author Kelly Hancock, the decision to leave a successful career at a Fortune 500 company to raise her daughter at home full-time was not easy to make. Ultimately, though, Hancock and her husband took a leap of faith, and made ends meet with only one income – thanks in large part to the Hancock’s shopping and couponing savvy.
Using coupons to save money on groceries can be challenging. Perhaps you’ve tried using coupons, and you didn’t receive the savings you expected. You put a lot of effort into your planning and preparation, but the payoff was miniscule.
Many people collect coupons, clip coupons, save coupons, organize coupons and bring their coupons to the grocery store, only to save 20% or less on their entire order. The small amount saved by using coupons when shopping hardly seems worthwhile.
My kids love Pepperidge Farm Goldfish Crackers. In fact, if it’s available, that’s the only snack they’ll go for. Recently, however, our house has been without Goldfish for several weeks. The reason? In my household, we do not pay full price for things if we can help it. A 6.6 oz bag of Goldfish normally costs between $1.89 and $2.25, depending on the store. But in the past, we’ve purchased Goldfish for 45 cents a bag or even free by using a coupon combined with a store sale. Therefore, we can’t stomach the thought of paying full price when another sale is just around the corner.
Earlier this month, my wife and I were proud to fulfill a promise we made to ourselves some time ago, which was to build a playground for our kids. It was truly amazing to see it all come together after months of planning and saving.
Between myself, my father-in-law, and a couple of neighbors, we all worked together for one week, a few hours a day, to complete the job.
Later in this article, I’ll discuss the many factors that influenced our decision to build, but first, take a look at how the playground progressed from concept to reality:
These days you can use your credit card or debit card just about anywhere. There’s even the technology to swipe credit cards using your cell phone! Imagine the neighborhood kid with a lemonade stand sporting the Visa or MasterCard logos asking “Will that be cash or charge?” Pretty soon you won’t be able to use the excuse “I don’t have any cash on me” to fend off the Girl Scouts selling cookies at your door. Technology is making the use of credit and debit cards more and more convenient each year, but what is the cost of this convenience? To the average consumer, the obvious cost comes in the form of increased spending.
One of the great things about buying new gadgets and toys is that you get to show it off, right? All around me people are buying a new iPhone, iPad, and other things that begin with “i.” I hear the words “my new <insert your favorite gadget here>” all the time.
Suppose I bought a brand new car and then went to each of my co-workers and asked them to come down and see it. They might say something like “Wow, David! That’s a cool car! Congratulations, you deserve it!” This would make me feel good…for about a day or so. Once the “newness” wears off, I might start to regret spending so much money on something I didn’t necessarily need.
I believe that budgets are a wonderful tool for really getting a good, close-up view of your financial picture. With a budget, it’s easy to tell if you’re overspending in some areas and underspending in others. Budgets help you achieve your financial goals such as debt elimination, saving for retirement, and building wealth. The problem many people face, however, is that they don’t like the traditional budget process. I’m going to give you a solution to those budgeting woes, but first, here are the top four reasons why people can’t stand budgeting:
My family and I have revolutionized the way we do allowance in our household. Recently, we have noticed that we were letting things slide, so we decided to look at the motives and behaviors that we want to see in our children. My wife and I have two girls ages 7 and 9, and we’ve found that they were living the easy life and getting paid for it too.
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