Tuesday, October 30, 2012

6 Ways Parents Can Save on Monthly Bills and more...

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6 Ways Parents Can Save on Monthly Bills

Money CrashersThe following is a guest post by David Bakke of Money Crashers who is always looking for ways to save money and score good deals.

Looking to have a little extra cash left in your pocket at the end of the month? You don’t need to make any major changes in your lifestyle – rather, you can easily save a significant amount on your monthly bills by taking just a few simple steps and precautions.

While saving $10 or $20 here and there may not seem like much, those savings add up. For example, if you implement the following ideas, you could save as much as $125 per month. For a 40-year-old, those savings, invested with a 7% annual return, could represent an additional $68,000 of retirement income! So why not get started now?

1. Save on Groceries
If you aren’t yet clipping coupons and saving money on groceries, don’t wait any longer to start. Buy several copies of the Sunday paper and clip coupons for the items you buy the most. Create a basic filing system to make sure you use them before they expire, and pair up coupons with store sales for the biggest bang for your buck. Also, sign up for loyalty discount programs with your grocer to get coupons sent to your inbox or mailbox.

Additionally, consider purchasing generic products instead of name-brand items. There is a substantial difference in price, but not in taste and quality.

2. Save on Home Energy
Naturally, you must adjust your thermostat as the seasons change. However, during winter, lower it by a few degrees and make use of extra layers of clothes and blankets. Also, run your ceiling fans in a clockwise direction to move warm air that collects at the ceiling downward.

In the summer, increase the temperature of your thermostat by an extra three degrees. Open windows and doors when the air is cooler in the evening and early morning, and run ceiling fans in a counter-clockwise direction.

You should also consider improving your home’s insulation, as this can reduce home energy costs in both winter and summer. Upgrading insulation requires an initial investment and isn’t typically a DIY project, but can often pay for itself within one to two years in reduced energy costs.

3. Save on Cable TV
Take a step back and analyze whether you really need several hundred channels and multiple paid movie services. If you can get by with less, do so. If you’re a movie aficionado, get a subscription to Hulu Plus, Amazon Prime, or Netflix, or start using your local Redbox outlet. The savings are significant and the sacrifice is minimal.

4. Save on Your Cell Phone
Unlimited cell phone plans may sound good, but unless you’re a cell phone junkie, you’re probably wasting your money. Examine your usage habits for the past few months, or call your provider to discuss your talk and text history. If you’re using nowhere near your allotted texts and minutes, it’s time to downgrade and save.

5. Save on Internet
If you aren’t online all day or don’t have a home-based business that relies on a lightning-quick connection speed, consider reducing your plan to a slower speed. You probably won’t notice a difference, and you may be able to save $10 or more per month. Over time, this small amount will add up.

6. Bundle Services
Another way to save money is to bundle services, such as cable TV and phone. Compare bundled packages from at least three different providers to find the best price, and when you inquire, try to reduce the advertised price even further by negotiating with the representative. According to a Consumer Reports study, one-third of respondents try to negotiate a better deal when bundling, and 90% of those people are successful.

Final Thoughts
When it comes to saving money, it’s more about changing your mindset than making wholesale sacrifices. For the most part, you only need to eliminate things that you don’t really need or don’t often use. Once you make these changes, you’ll find more money left over at the end of each month, which you can use to increase your retirement savings or emergency fund, or put toward something fun – like your next vacation!

What else can you do to save on monthly bills?

For more personal finance tips, please visit Money Crashers Family & Home

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6 Ways Parents Can Save on Monthly Bills is a post from: Freebies 4 Mom If you are not reading this in a feed reader or newsletter, it is illegal use.



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Free Taco at Taco Bell *Tuesday 2-6pm*

Taco BellGet a free Doritos Locos Taco at Taco Bell on Tuesday, October 30 from 2 to 6pm because a base was stolen during The World Series. No coupon is necessary and no purchase necessary. Offer good for one free taco per customer at participating locations. Thanks to Drugstore Divas for sharing!
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Free Taco at Taco Bell *Tuesday 2-6pm* is a post from: Freebies 4 Mom If you are not reading this in a feed reader or newsletter, it is illegal use.



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Free Betty Crocker Calendar

Keep an eye out for an email for a free Betty Crocker Calendar available this week to current Betty Crocker email subscribers! As soon as this freebie starts I will post a link. This is a full-size wall calendar that includes recipes.
Betty Crocker Calendar*

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If you aren’t already, you to subscribe to Betty Crocker - it’s free and it’s a great way to get free samples in your mailbox. Every month they give away 10,000 free samples to their email subscribers. You can check your free sample order status for any General Mills samples.

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Free Betty Crocker Calendar is a post from: Freebies 4 Mom If you are not reading this in a feed reader or newsletter, it is illegal use.



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Free Children's eBook: Cow Shed Gang At the Beach

cow beach Enjoy this free children’s eBook by Amy Sayersby (normally $0.99) only on October 30 and 31 on Amazon.
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The Cow Shed Gang At the Beach $0.00 (normally $0.99)
by Amy Sayersby

“The Cow Shed Gang enjoys spending the day at the seaside. The animals get to enjoy the journey to the beach and have a great time once they get there. Playing on the sand and collecting sea shells are just a couple of things that the animals get up to, in this fun day out.”

Read it from your browser, smartphone, computer or tablet using free Reading Apps on Amazon. Browse the 100 Free Best Sellers because the 'free for a limited time' eBooks shoot to the top of the list. This post contains affiliate links, please visit my Disclosure Policy.

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Free Children’s eBook: Cow Shed Gang At the Beach is a post from: Freebies 4 Mom If you are not reading this in a feed reader or newsletter, it is illegal use.




Free eBook: Island of Fog ($2.99 Value)

islandEnjoy this free science fiction eBook by Keith Robinson (normally $2.99) only from October 29 through 31 on Amazon.
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Island of Fog $0.00 (normally $2.99)
by Keith Robinson 

“Twelve-year-old Hal and his friends have always wondered what happened all those years ago on the mainland, that unseen place Out There beyond the fog, and after an astonishing discovery in the woods the children are more determined than ever to find out what their parents are hiding.”

Read it from your browser, smartphone, computer or tablet using free Reading Apps on Amazon. Browse the 100 Free Best Sellers because the 'free for a limited time' eBooks shoot to the top of the list. This post contains affiliate links, please visit my Disclosure Policy.

Subscribe to Freebies 4 Mom for more Free Books

Free eBook: Island of Fog ($2.99 Value) is a post from: Freebies 4 Mom If you are not reading this in a feed reader or newsletter, it is illegal use.




Coupon Sonic Chicken Sandwich Buy 1 Get 1 FREE

SonicPrint this coupon to get a free Sonic Premium Chicken Sandwich (Classic or Asiago) when you buy one. You’ve got until Nov. 10 to use your coupon.  Also Corn Dogs are 50 cents each all day on Wednesday, October 31. Please note the coupon is only valid at participating SONIC Drive-Ins. Thanks to Coupon Pro for sharing!

SonicSubscribe to Freebies 4 Mom for more Printable Coupons

 

Coupon Sonic Chicken Sandwich Buy 1 Get 1 FREE is a post from: Freebies 4 Mom If you are not reading this in a feed reader or newsletter, it is illegal use.




Sweeps Popeyes Flavor Your Mood (16 Daily Winners)

popeyesEnter daily for a chance to win the Popeyes Flavor Your Mood Sweepstakes. You can request a free code for entry be emailed to you on the entry page (this may arrive after an entry confirmation email). There will be 1 Grand Prize winner of a concert ticket package for winner and 10 guests (value $2,850) and 1,000 instant win game winners of a $20 Live Nation Concert Cash code. This sweeps started Sept. 24 and ends Nov. 25 which breaks down to about 16 winners per day.

Subscribe to Freebies 4 Mom to play & win the Sweeps

Sweeps Popeyes Flavor Your Mood (16 Daily Winners) is a post from: Freebies 4 Mom If you are not reading this in a feed reader or newsletter, it is illegal use.




Jingit Pays $0.25 Oct. 29

Update Tuesday, October 30: Jingit appears to be having technical problems – I’m unable to even watch the Snickers ad that worked on Monday evening. If you find an ad that’s working for you, please leave a comment with the link to it!

Jingit

There’s only one Jingit ad that pays $0.25 but there’s an opportunity to trigger Jingit to donate $0.10 to the American Red Cross for Hurricane Relief for every Check-In you complete with the Jingit App at Walmart this week. So far this week. I have these tips when viewing these ads from a Desktop or Laptop Computer: turn off your pop-up blocker, use Google Chrome as your browser, have Adobe Flash Player installed, and try clearing your browser cache and cookies. I update my list every morning, so bookmark my Jingit Category:

Jingit Ads for October 29
Click on each link in my list from your computer. Click on Facebook Login for each ad (you can’t stay logged in). After earning from the ad, close that window before clicking on a new ad. These ads are not available on the Jingit App, only from a desktop or laptop computer.

Earn $0.25 from Snickers  (hopefully will reset daily)

Other places you might find new ads:

Jingit.comcheck daily on your computer, also you might see Music.me ads appear here

Billy on the Street - earn $1.00, working for some and not for others, resets a few times before you reach your limit

Jingit Appuse your iTunes or Android mobile app to check for new ads to view and if you’re at Walmart you should “Check-In” and scan the products in the list

Bookmark my Jingit Category for quick access to today’s list of paying ads. If you’re new to Jingit, please read my Make up to $15 a week from Jingit introduction post. This is a money-making opportunity I use myself to help reduce my grocery bill! I paid for $20.89 worth of Groceries with Jingit on September 26 (less than 2 weeks after I first signed-up for Jingit).  This post contains affiliate links, please visit my Disclosure Policy.

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Jingit Pays $0.25 Oct. 29 is a post from: Freebies 4 Mom If you are not reading this in a feed reader or newsletter, it is illegal use.




 




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