Who doesn’t like cash?

There are a number of programs for cash back rewards on credit cards, and we hear about them on television and radio regularly. Those cards usually carry high interest, annual fees, hidden fees, or a combination of these.

Did you know you can generate cash back for your shopping without incurring those nasty charges? Mostly online programs, some with the option of accessing their programs while doing your brick-and-mortar shopping, are rampant online. Here is one I like a lot:

ShopAtHome Banner

I have mentioned online points programs in the past, and I still use them often. However, depending on what I’m shopping for, the deals with cash back programs such as these can be more lucrative. In fact, if you don’t hate toolbars, some will even credit your account simply for downloading their toolbar. That can make easier to find and access this free money quite quickly while it’s tailored to your own shopping preferences.  Do understand cookies, which these sites will place on your computer, and know that while you can delete them at any time, you’ll need to accept them again to get your credit while doing your shopping.

Shop At Home also includes printable grocery and brick-and-mortar store coupons and other methods of making your shopping experience better. With a mobile app, you can compare prices as you browse and, if you find a better deal, make the purchase from an online vendor. Your cash back will be credited to your account within a couple of days of your purchase, and you’ll receive your check after you reach a fairly small minimum in your account. Currently, that is $20 at Shop At Home. You’ll receive a $5 credit for joining, and if you download the toolbar, another $5. You’re halfway there and you haven’t spent a dime!

Another such program I like is:

( if you want to be sweet, use this link:  http://www.ebates.com/rf.do?referrerid=nW9kkAKagmM%3D )

Simply starting your online shopping through this site allows you a myriad of ways to find the best site for both savings and cash back. You can search for those offers for free shipping, by the percentage of cash back from your purchases, alphabetically by your chosen site, and more. You can often combine offers, as well, and coupons or offers still generate your “rebate.”

 

These are not the only programs out there, either,   Google “online cash back sites” and see what you find.  There are many sites such as http://www.befrugal.com/cashback/, http://www.topcashback.com/, and http://www.extrabux.com/.  There is a surprising number of sites to compare cash back sites.  Go figure.

 

You know how nice it is to get paid. Go get ya some!

Couponing for Extra Credit

Some places of worship still have coupon exchanges, and perhaps you need to start one if yours doesn’t. Any place shoppers gather could use one if there is someone willing to maintain it by removing expired coupons and add new ones.

At our Kroger, there are coupon pages available at the customer service desk just for seniors. Yes, there are a few advantages for those of us who creak when we walk. Not many, but a few. Too bad these discounts don’t quite make up for the increase in our medical bills! Check where you shop and see if they have such a program.

Lastly, don’t forget to check packaging while you’re using up product. Occasionally manufacturers will include coupons in or on their product packaging for future purchases or to encourage you to try another of their brands. While you’re looking at the package, see if there is a phone number for the manufacturer, or for questions or comments. Call and ask, I like your product; do you have any coupons you can send me? Most companies appreciate your loyalty and will be happy to send them to you. In fact, some reserve their best coupons for just such customers. Yes, I actually do this, and often. It works and these coupons are usually good ones.

If I can get my butt in gear and write it, refunding is another method of gathering up savings that deserves its own treatment. At one time when I was a young bride, I reserved two drawers in my kitchen for my “trash,” as a girlfriend and I called our UPCs and other proofs of purchase and receipts. They didn’t last long; now I am hard-pressed to find room for my gadgets.

There are many places to find grocery coupons, and even some that aren’t physical coupons! It’s enough to say that with a little legwork (well, fingerwork) and organization, you can save a lot of money on your next trip to the grocery store.


 

Thrifty Tip of the Day:

Next post will be starting a series of seasonal topics. Here’s a hint on one of them, an eBook that you should definitely have a look at if you are engaged or if you know someone who is: http://www.amazon.com/For-Richer-Poorer-Wedding-ebook/dp/B00C69HF0G/ref=pd_rhf_cr_p_img_1_MG8J . This easy-reading book is available for just 99 cents on Amazon’s Whispernet, so you can download their free Kindle software if you haven’t already. Then you can read it immediately on your PC or Mac if you don’t already have a Kindle.

Here’s the publisher’s official description:

In this practical and entertaining guide to a tasteful yet fun wedding for the budget-savvy couple, SKR Publishing presents a common sense approach to starting out richer, rather than poorer for the couple wishing to kick off their financial relationship on sound footing. The first in a series of clever budgeting books, ‘For richer or poorer: your wedding on a budget’ is a charming and engaging look at the process of wedding planning from the aspect of a thrifty purse.

At once offbeat and still honoring long-established customs, this guide offers tips and tricks to ensure your event remains grand and chic, yet sticks to your budget leaving no one the wiser.

Some of the ideas presented here are so innovative and fresh, you’ll wonder why no one has thought of them before. Congratulations on your upcoming wedding, your sage sensibility, and the forethought to purchase this book!

As for me, I have already reviewed in on Amazon, and since I’m thrifty in more ways than one, I’ll just copy my review here:

There are a lot of creative ideas in this book that you haven’t heard before, and there are some that have been freshened up. Not to provide any spoilers, but there is an idea for a date night that you just have to try! It’s a lot of fun, with a lot of new thoughts. I hope they hurry up with the rest of this series!

Couponing 202: Smartphones!

Now that smartphones are ubiquitous, the number of iPhone and Android apps to add coupons to your phone has exploded.  In many ways, this might be the easiest method of all to coupon, but the technology is still evolving and the number of coupons is still limited, even if the buzz is big.  The apps duplicate many of the big players already in the game, so you’ll find a lot of duplication.  The good news (typed with a grin):  most stores will let you use those duplicating coupons, too!  So, sign up for the free smartphone apps you fine at Googleplay, Android Market, Amazon, or iTunes, or wherever you get your smartphone apps.

Try some of these:

The Coupons App:  This little gem needs your location to do its best, but it will serve up coupons based on where you are.

SavingStar:  Grocery coupons that can duplicate paper, automatically applied when you purchase a product and scan your store’s loyalty card.  More stores are joining this program, but it’s still rather limited.  I have had some luck with this one.  I like the sweet little surprise I get when one of these coupons shows up on my cash register receipt!

GeoQpons:  For savings that users are raving about, try this app.  Another that will need your location, this highly-rated app will give you restaurant discounts based on your physical location.  It also silver-platters coupons for local businesses and shops.  It’s one of the higher-rated apps, so it’s worth a try.

These are just a few of the free couponing apps available.  Give them a try and see which are best for you and in your area.  While you are at the app stores, check out Key Ring, which will allow you to scan in all your loyalty cards.  Be aware that not all store laser scanners are good at scanning your phone, though, so it can’t do away with them all.  Optical scanners seem to have better luck.

Next time:  And you thought I was done!

THRIFTY TIP OF THE DAY:  With St Patrick’s Day forthcoming in just a few days, it’s time to pick up your corned beef (or if that’s too serious, try a bone-in ham shank) and cabbage.  While you are at it, try something new and Irish:  Colcannon.  Make sure you get a large head of cabbage.  This will usually serve 4-6 depending on the size of the roast you purchase.

St Patty’s Slow Cooked Dinner:

Place a rinsed corned beef (with or without the seasoning packet, depending on your tastes) in a 5-6 qt. slow cooker.  Top with 6 wedges of a large head of cabbage you’ve cut into 8 wedges(shred and refrigerate the remaining cabbage). I like to use a slow-cooker bag.  If you have a smaller cooker, you can use oven bags successfully, but you’ll have to cut your meat in half and use less cabbage.  Pour about a cup of hot water over the top and start ‘er up.  Slow cook on low for 6-7 hours or high for 4-5 hours (older cookers might take a little longer).

About a half hour before serving, make the Colcannon.  Boil 3 lbs potatoes and make mashed potatoes with a little milk and butter; they need not be completely smooth.  Meanwhile, saute the remaining cabbage in 2 tablespoons of butter.  Combine the mashed potatoes and cabbage and mix well.  Top with a few dots of butter and one nice pat and serve with the corned beef (sliced across the grain) and maybe a salad if you prefer to act like this is a healthy meal.  Crusty rolls are nice to sop up the juices!

Couponing 201: Web savings sources

image of coupon with scissorsYou’ve likely seen the little red shelf-talkers from SmartSource at the grocery store, where you can pull out coupons or rebate forms or advertising concerning new products.  They also have a great web site for printing coupons, which online couponers go to for printing their own coupons.  Perhaps the best known site for this purpose, SmartSource is only one of a myriad of such sites.  Other examples are Red Plum.com, ShopAtHome.com, Coupons.com and an interesting site called the Penny Pincher Gazette, or ppgazette.com, where you can not only print coupons but also find inexpensive recipes and much more.  There are plenty of coupon sites; these are just a few.  Try keying in printable grocery coupons in your search engine and see what you find, but set aside some time for this project!  There are hundreds of sites and not all are above board.  You’ll have to figure out which ones you like best.

Before your next shopping trip, spend a little time getting organized.  Write up your list, gather your coupons, and only then sit down at the computer.  Visit SmartSource and Red Plum.com and other sites you like, printing the coupons for the items you need coupons for.  If your list isn’t already covered in terms of having a coupon for each item (wouldn’t that be nice!), keep looking within a reasonable time limit.

Next, try some of the manufacturer’s sites.  Companies like Pillsbury, Smart Balance, and the like currently have coupons of their own.  While clipping or printing coupons for items you don’t currently need isn’t necessarily a good idea, with manufacturers’ sites, it might be worth it.  They can and will pull their coupons without notice, even while currently running ads.  Another place to check would be sites such as BoxTops4education.com, where you can print a number of coupons for baking mixes and other products that carry BoxTops for Schools.

Some stores have coupons on their own sites, although these are becoming fewer.  Check stores’ individual web sites for printable coupons.   New services, however, are springing up to replace those that are disappearing.  The Kroger and Carr’s/Safeway families of stores also participate in Shortcuts.com.  This is an online coupon service at which you check off the coupons you like and they will be deducted from your total at checkout without your having to present the physical coupon, all in addition to the store card discount and any manufacturer’s coupons. It’s worth checking to see if your store participates, too.

While it takes some time, online coupons are a great source of higher-value coupons.  You have to balance the time and expense with the savings, but it’s kind of fun for a thrifty soul like me!

My next post will cover mobile apps.  Oh boy, they are booming!

Coupons 102: Store Loyalty Cards and Programs

 

Sign up for a savings card if your store offers one.  It will be a source of big discounts and clipless coupons when you scan it at the checkout.  Some stores actually send you “Best Customer” style coupons in the mail as well, which are targeted in conjunction with the items you have purchased with your card as recorded during your shopping trips.  Be aware that the store computers are keeping track of your purchases in this fashion; if you are worried about your privacy, you may not want to take advantage of these savings.  Cough, cough.  These large savings.  I like to scan my own Kroger loyalty card at the end of my transaction just to see the ticker add up – it’s fun!  Drives the cashiers nuts waiting…

There are also online coupon sites that add coupons to your store cards, which I will discuss in another post.

Don’t forget about your pharmacy or discount store cards, either.  Just because they aren’t a grocery store doesn’t mean they aren’t a worthy source of savings.  The key is, don’t buy anything you weren’t going to buy anyway just because it has a coupon.  Keep repeating that mantra or your home will fill with stuff you don’t need and won’t use.

Next time:  POS (point-of-sale) and online coupons.

 

Thrifty Tip of the Day: January is traditionally White Sale month, so if your bed linens are threadbare, now is the time to look at replacing them. 

Couponing 101

image ziggy no coupons comic

Saving money is even more critical for most of us now that prices are higher and money is tighter.  You’ve purchased the Sunday paper for the coupon inserts, clipped the coupons for the items on your list, and you’re ready to shop.  That’s certainly a good start, and you don’t have to resort to Extreme Couponing and the weeks and months of preparation they don’t show you on the television episode.  No need for a price book.

Many people just toss the coupon inserts in the recycle bin, although the numbers of couponers have increased during this recessive economy.  Of those that have used them, most haven’t taken the best advantage of them.  There are plenty of additional sources of coupons and savings.  Used actively, just the coupons from a Sunday newspaper in a medium to large metropolitan area could make that Sunday paper worth buying multiple copies.  Smaller, more rural journals don’t often have enough savings to warrant purchasing extras.

Don’t forget the Sunday newspaper magazines, or monthly magazines, as they often include coupons, with women’s titles being the most likely to include cents-off coupons.  There is even at least one monthly women’s interest magazine that boasts its coupons’ total value right on the cover.  Around food-centric holidays, like Easter or Thanksgiving, coupons increase.  During the fall, with the approach of the Halloween, Thanksgiving, and the winter holidays of Christmas, Hanukkah, Kwanzaa, and New Year, there are countless coupon inserts with some even bound right into monthly editions.

There are many ways to generate coupons and savings.  Over the next few posts, I’ll mention a few.  Don’t worry, I won’t slap you with the coupon inserts; it’s not that hard.  But you can save a few bucks each week and that will add up to a nice Christmas Club, yanno?

image pile of clipped coupons

Hi! Welcome to my new blog, a fun home for frugal friendlies of a crafty nature!

Yeps. It's me.

Hello, and thanks for visiting my first post of Thrifty Soul!  In it, I am hoping to not only share some pearls of a hard-gained thriftster (some might call it cheapskate-in-residence), but occasionally combine it with fun things to actually do.  Once in a while, I might even toss out an idea or two for making a few extra bucks to feed the fees (be they craft costs, the envelope in the mattress, or god forbid, bank fees).  Sometimes, you might end up hearing stories of Marbles and His Marvelous Tail, if my dog has done something so extraordinarily interesting.

I hope you will take the time to comment, especially if it’s ideas for future entries or projects to try.  REAL ways to make a little spare cash, such as postings of craft shows within reason, are welcome, spammers are NOT.  Spammers are NOT welcome and will be offered lodgings over an open pit of pit vipers.  My mouse hovers over the block button.  Trolls will be fed to my pet dragon, Sparky.  He loves trolls.  I can’t afford to feed him high-speed dragon food from PetsWag.

Other bloggers, please make yourself at home.  The coffee is usually on.  It might be instant.  For coffee purists, until recently, I was a snob about instant and would never let it cross my lips.  However, I love Starbucks Via…mocha is my favorite!.  Your Thrifty Tip for today:  for one 12-ounce mug, i have found that if I fill a 1/8 measuring cup halfway with the Via powder and top it off with the “International” Suisse Mocha Cafe mix, I can reduce the cost of the beverage significantly and actually add a bit of the cocoa flavor I crave, as well.  Still with only about 60 calories per 8-oz cup (I am also trying to control my calories – you’ll likely hear a little of that, too, sadly, but I’ll save it for later).

I’m a stay-at-home for the most part, although I do pick up independent jobs now and then.  I am a regular beader and jewelry maker with a site on Facebook (http://www.facebook.com/JustLovelyJewelry).  I also have one on Etsy (http://www.etsy.com/shop/pawscharming) that is open and designed to generate donations to pet charities in my area, but it is under construction at the moment with just one necklace available.  I have a miracle stroke survivor for a husband and two dogs, a Maltese named “Marbles” and a black lab named…wait for it….”Buddy” at home.  Up and out are:  4 kids, 8 grandkids, and a burgeoning assortment of extremely entertaining great-grandkids (currently, the count is at 9).  After many years spent in the Army, wonderful Hubby and I moved around a bit until our antsy feet were able to slow down and we now live in his hometown in northern Indiana.  It’s a change for me, as I grew up in a very large General Motors city (known as Buicktown), and this is rather rural.

I also have a smattering of spinal disorders, undoubtedly either stemming from or aggravated by my time in service, and crafting helps pass the time when I can’t do much else.  Wondering why my floors aren’t vacuumed?  I have a good excuse!  I do, I really do!  LOL!

All this said, I’ve bored you enough with me, so that’s enough for today, and you can move on to your nap now.   Thanks for stopping by!  See?  You just spent a couple of minutes and paid nothing, leaving with your first Thrifty Tip!  Thrrrrrifty! 🙂