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May. 23, 2009

What can you buy for $17?

April2009010.jpg $17 for all items at Walgreens! image by ejmiller_photos
What can a family buy for $17 these days?  Generally, not much. 
 
Over the last several months, though, I've been learning a bit about how to purchase more of what our family needs...for less...with the encouragement from my friend, Lynnae, at www.beingfrugal.net
 
In the photo below, you'll see what I bought a few weeks ago for $17, at our local Walgreens. 
 
By combining Walgreen's sales and coupons from their weekly sale flier with coupons I get from the Sunday Oregonian almost every Sunday, I've learned how to get some great deals! 
On this occasion, I was able to purchase the following:
*6 boxes of Kleenex
*3 rolls of Bounty paper towels
*6 cans of Cream of Chicken/Cream of Mushroom Campbell's soup
*2 boxes of allergy relief eye drops
*1 bottle of mousse (hair!!!)
*3 tubes of toothpaste...
...and, I think a couple of other little items that were hiding in that photo.  I don't remember.  Sorry, it was a few weeks ago. 
I have never liked the thought of doing "coupon queen" shopping, because I couldn't figure out how to easily store and keep track of all those coupons, and still be able to use them before they expired.  Guess I'm not always that great of a problem solver, eh?   
I had always thought to myself that I would never have enough coupons for items that our family truly needed, so I would be taking a big chunk out of our monthly purchasing. 
Well, I was wrong! 
I watched the very helpful videos at:
savvy shopper deals
and was pleasantly surprised to see that for about $25-$45, I could have a very handy zippered 3-ring binder to store my coupons in an organized manner. 
My husband thought it would be good to give this a try, so I zipped out the door and purchased a zippered 3-ring binder and sports/trading card plastic pages (I found some nice ones at Fred Meyer in our town). 
Now, at first, this seemed a bit expensive, until I really began utilizing all those coupons I had collected from the two copies of the Sunday Oregonian we purchase every Sunday on our way home from church.  We get our local newspaper on a daily basis, but because we live in a small town, our coupons are very limited.  However, if you purchase the larger newspapers in your state, you will find a much better selection of coupons. 
I have chosen to save every coupon, IF the item is something that our family would use if it was free or cost less than 50 cents or so. 
For example, if the coupon was for a brand of toothpaste I had never used before, I still would save the coupon IF I was willing to use the toothpaste if I received it for free or almost free.  Make sense? 
Even though we are spending around $5 each week for the two Sunday Oregonians, I am taking $50-$150 off of my weekly groceries and sundries bills.  This dollar amount varies depending on how much time I have each week to go to the various stores for the sales.   Lest you think that I used to spend $150 or more each week, I actually didn't.  But now I can purchase more items we need, usually the better name brands, than what I was doing before.  I am spending fewer dollars each week, so my husband is very pleased with this!
If you are at all interested in learning how to "coupon shop", I highly recommend you watch the 3-4 videos at www.savvyshopperdeals.com
If you live in the Pacific NW, I also recommend that you find an easy listing of "deals" already figured out for you for Albertsons, KMart, Rite-Aid, and Walgreens using the "Shopping Wizard" at www.savvyshopperdeals.com .  It allows you to create your own personalized shopping list with the best deals they have found for you using these stores and coupons from the newspaper. 
You'll not only have a list of coupons that you will need for each particular item, but you will know if that is an incredible deal, a so-so deal, or one that is more like regular price. 
***"Coupon Queens" generally recommend that you have purchased four weeks of newspapers (major city newspapers) in a row before beginning to do this kind of coupon shopping.  Otherwise, you'll find that you just won't have saved the right coupons to get the items free or at a very low cost.  ***
Other sources I use to find items which are on sale and matched up with coupons are: 
Safeway   http://www.frugallivingnw.com/  and www.pinchingyourpennies.com/ (click on "Grocery Guide" at the top of the webpage). 
PYP (Pinching Your Pennies) also allows you to do searches for great deals (but doesn't match them to coupons) for the following stores:
Albertson's, Kmart, Super Target, Family Dollar, Rite Aid, Super WalMart, Fred Meyer, ShopKo, and Walgreens. 
Just put in your zip code at the bottom of the "Grocery Guide" screen, and it will show you the stores that are possibly available for your area. 
www.SmartSource.com has printable coupons for those of you who don't want to purchase the Sunday paper.  There are other coupon sites like this as well. 
www.DealSeekingMom.com also has daily postings that can be emailed to your computer, showing online coupons and all kinds of other deals.
Who should NOT be doing "coupon queen" shopping?
This isn't for everyone, or every family.  Some of you have either been rolling your eyes through this entire post, or you've already deleted it and can't read what I've typed right now.   (!)
1.  If you make every item in your kitchen from scratch, then coupon shopping like this is probably not for you.  Once in a while, you may find coupons for milk and eggs, but it will not be frequently.
2.  If you refuse to use other brands from what you are currently using, then this kind of coupon shopping is probably not for you.
3.  If you want everything in your home to be organic, then you will probably decide that this is not for you. 
4.  If you have very young children and are very limited on the amount of time you could leave in the early morning or evening to coupon shop without them, then this is probably not for you.
5.  If you live more than 15-20 minutes from the stores you would consider using these coupons, then this is probably not for you.
6.  If your children are too young to help you cut out coupons and sort them, and you don't feel like you have the time to do this, then this is probably not for you.
7.  If you are opposed to going to most large chain-type stores, then this is probably not for you. 
For my family, my children are ages 9 and 11, and they enjoy cutting coupons with me and sorting them.  While I also enjoy shopping locally vs. chain stores, I'm willing to go to chain stores as well.  At least one of the locally or regionally owned stores that I like (BiMart) is not open late enough for me to do some of the coupon shopping I'd like to do, so I don't always get around to using that store each week.) 
I don't mind switching brands of toothpaste, deoderant, toilet tissue, "Kleenex", etc.  In fact, I've often been able to buy better brands using coupons than the regular store brands I usually use. 
While I have made some of my cleaning products homemade, I also don't mind buying them from the store, especially if they are very, very cheap combining sales and coupons. 
We do buy organic items, but not all of the time.  We do cook a lot of our foods from scratch, but not all of the time.
So, coupon shopping is working for me.  Just keep in mind that on holiday weekends, there are no booklets of coupons in the Sunday papers.  Why?  I think they just want to give us a break, so we don't spend the holiday reading the paper and cutting out coupons!  But be forewarned...either the weekend before the holiday, or the weekend after the holiday weekend, will have double or triple the amount of usual coupons. 
What have your successes been in getting better deals on your groceries and sundries? 
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Dec. 18, 2008

OnlineLabels.com - a less expensive source for those labels we all use

OnlineLabels.com - Click. Print. Stick.

I don't know if your family uses boxes or cartons of address labels, CD/DVD labels, cassette labels (just kiddin'!!!), full page white or clear sticker sheets, etc., or even a sheet or two of labels every once in a while.   

Because of some of the projects we were doing in our homeschooling and also my volunteer work at my church in our church library, I began to investigate another source for labels besides our local chain office supply stores in our community.  Sheets of labels were SO expensive locally! 

In my searching, I found a company in Florida that does a decent job with making labels, at a greatly reduced price compared to what I could find locally in town.  In the attempt to live more frugally, I inquired about getting a free sample of a couple of their labels.  A friend and I looked at them closely after receiving the samples in the mail.  While we both had to admit that the labels from www.OnlineLabels.com were not quite the exact quality of the commonly purchased brand in retail stores, it was a close second.  And it was close enough in quality that the greatly reduced price made it worth our effort to order online.  I don't order labels a lot, but when I do, I've always received excellent customer service, quick shipping, and no problems whatsoever with any of my orders I've received from www.OnlineLabels.com

This company is also great about customizing sizes and colors of labels to fit needs of its clientele, and they can do a lot more than you would ever expect with labels. 

I like to use the full sheet white label stickers to print out or photocopy our "Homeschool in the Woods" timeline figures by Amy Pak.  They have been just perfect for that project year after year!  I've also used their video cassette labels for videos in my church library.  My girls have had fun creating their own stickers and labels with the white and clear full-sized sheets as well.

I received no benefit, either monetarily or in product, by writing this for you, but I just wanted to share with you a more frugal option for sheets of labels, if that is something you purchase occasionally.

Julieanne

© Copyrighted by Julieanne Miller. 

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Dec. 1, 2008

Living more frugally...in a BOX???!!!!!!!!???

Whether you are a homeschooling family, or not, living frugally is often a necessity these days.  Actually, it has been a necessity for most family situations for decades, but families were in denial about what they could truly afford and what they could not.  Let's not be in denial about our financial situation; let's look at our incomes objectively, plan for our bills rationally, and set money aside for emergencies and retirement. 

And maybe you should live in a box?      ?????????    Read on:

     I admit it. I suppose that when it comes to living frugally and making financial decisions, I live in a box. A box? What do I mean by that? Let me explain, because this is my number one best tip to saving money for my family. I don’t ever remember my parents sitting me down and saying, "Here are the 100 things you need to know so you can live frugally and survive in any financial situation you might find yourself in." However, I did pick up enough from my parents and my family’s own tough financial situations (not from their poor choices, mind you) over the years, that I learned to "live in a box."

Large Cube Boxes

     Let’s pretend for a moment that you live in a very small, 900-square foot, cracker box of a house. Imagine this box of a house is in a neighborhood or an environment that you would not choose for yourself. For some of you, this might be in a low-income, ghetto-style neighborhood in a large city. For others, this box might be in the middle of a forest, with no neighbors or Macy’s around for many miles, or out in the desert, or in an industrial area of town, or a part of a large apartment complex. Get the picture? Imagine yourself living somewhere where none of your friends and relatives live, where you would normally not choose for yourself to live. They don’t see where you go shopping; they aren’t able to see the financial decisions you make. They don’t even see the car you drive, the styles of clothing you wear, or what you put on the table for your family to eat each night.

     Okay, being a bit more realistic here, no one who is of extreme importance to you, besides the members of your household, are seeing you. Yes, you are not completely isolated, but let’s just pretend that those who see you around town just plain and simply do not know you at all, nor do they pay attention to you.

     Now that the scene is set, how would you change the day-to-day decisions you make as you are out around town, doing your grocery shopping, getting necessary clothing, planning vacations, etc.?

     If no one noticed you, would you be willing to make a list of clothing items you and your family members truly needed - that were true necessities - and take your list with you to second-hand stores first, before scouting around the KMarts, WalMarts, and lower-budget clothing stores in your community?

     If no one noticed you, would you consider placing only house-brand groceries into your shopping cart? Would you be willing to only have the eight items in your cart that are necessities as you check out at the grocery store, instead of a cart piled with food items that you really can’t afford?

     If no one noticed you, would you be willing to hand the grocery clerk your coupons? Pay for your groceries with cash instead of your credit card? Use a calculator as you walk around the grocery store to make sure you stay "on budget?"

     If no one noticed you, or had the possibility of saying or thinking anything negative about you, would you be able to plan a child’s birthday party as a simple sleepover or an afternoon at the park, or goofing around in your own backyard?

     If no one noticed you, would you invite friends and relatives over regularly, preparing simple and less costly foods to serve? Or having the meal be "potluck" style, where both you and your guests contribute to the meal eaten together in your home? Would you be willing to eat out once a month, or less, in order to meet your financial goals?

     If no one noticed you, would you consider driving your vehicle for years and years, even if it cost you $150 a month in car repairs...even if people would recognize what "era" your car came from?

     If no one gave it a second thought, would you plan camping trips and simple, less expensive day trips as an alternative to lengthy, expensive family vacations? Would you be willing to spend your wedding anniversary at an inexpensive restaurant, instead of flying to Hawaii this year?

     I could continue with this line of thinking, as you could imagine, but I think you are probably understanding where I’m coming from.

     All of the frugal living tips in the world are wonderful, but they won’t help any person who isn’t willing to change their mindset of how they are observed by others. If the primary reason I don’t change the way I make financial decisions is because I’m terrified of what "Suzie Somebody" is going to think or say about me to someone else, then the likelihood of me beginning to live more frugally, and reaching my financial goals, is slim.

     I remember as a child, having guests come to visit. They were younger than me, and they were absolutely HORRIFIED that our family was going to go inside of the local, low-budget store and do some shopping. In fact, our dear guests stayed out in the car because they refused to be seen inside of this national chain store, even though their home was in another state! Those were the days when we only had two larger department stores in our town, and neither one would these girls step a foot into. They were only in upper elementary school at the time. I was shocked! Now, I’ll be truthful. I’d rather shop in a more upscale store, too, but when budgets are limited, I go where the prices are going to fit my purse, not my dreams.

     And speaking of purses, please don’t give me a $250 purse for Christmas. I think my $10 purse from Wal-Mart is just fine and dandy, and if I lose it or it breaks, there’s not much guilt there about going out to buy a new or barely-used purse!

     If you want to live a more frugal lifestyle, try "living in a box." Close off your mind to the possibilities that you will be the hot topic of gossip amongst your friends if you are accidentally seen in a second-hand store, or if you are emailing your Christmas letters this year instead of sending them through the postal mail. Don’t think of what others would say. They aren’t paying your bills, are they? Well, then don’t give them the time of day when it comes to making your own frugal financial decisions. Decide how much money you need to save in the next few months, or how much you want to pay off your debts in the near future.

     This is your new box, your new mindset.

     What your friends don’t know won’t hurt them! And what if they do find out? Well, they need to learn to stay inside their financial box as well, and remember that we all are either working toward our financial goals for ourselves, or we’re walking away from our goals. Your new goals, your new mindset, your new box, is just different from theirs. And it’s okay to be different. Be diligent, and keep your eyes closed to what others will think of your reasonable, sound financial decisions. It will pay off!

Julieanne

© Copyright 2008 by Julieanne Miller. All Rights Reserved.You are welcome to link to this article, but not to repost its contents without permission from the author. 

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