Thursday, December 31, 2009

Fru-Gal Column 12-31

Let’s start out the New Year seriously looking how we spend our money. You would be surprised how many people do not know where their money goes. Start your budget. If you have more money going out than coming in it is time to make a change. While you may not be able to cut back immediately on house or car payments or other expenses, you can begin with reducing your weekly grocery bill. Take time on Sunday to look at all the store flyers and coupons in the Sunday paper. It is a double bonus to use a coupon on a sale item. Have a small notebook to write down the sale item at designated stores along with putting aside the coupons associated with the stores sales. Plan your meals around the sales. Be flexible if chicken is on sale do not plan on having hamburger. Always go to the manager’s special section in the meat department. This meat needs to be sold and is sometimes reduced more than 50%. Buy the meat and freeze it. This mentality of stocking up on food is only good if you check your refrigerator, pantry and cabinets often to see what is there. Use the mindset about meal planning from “What would we like to eat today? to “What do we have on hand to eat today?”. I always tell people that giving up little things do add up. Instead of buying a coffee everyday do it two times a week that can give you a savings up to $5.00 a week. One big way to save is bringing your lunch to work. Make going out a special day once a week with fellow employees instead take a walk for lunch.

Women sign up for a free daily personal finance email from DailyWorth. They deliver practical tips, empowering ideas and the occasional kick in the pants.
http://www.dailyworth.com/

MORE MONEY SAVING IDEAS

On New Year’s Day, Whole Foods Market located at 161 Lexington Green Circle will try to make easing into the new year by giving everyone a free cup of Allegro 365 Organic fresh-brewed cup of coffee all day long.

Now is the time to get big discounts on Holiday merchandise. Go out to get your wrapping paper, holiday cards and decorations. Keep your mind open to be creative with your gifts. Look for paper that doesn’t scream Christmas that can be used for other holidays. If someone is having a baby or getting married look for special ornaments. Remember the animals. I wouldn’t pay $20.00 for a dog sweater but I would pay $5.00 for one.

For hundreds of delicious recipes plus a money-saving coupons just go to Campbells Kitchen
www.CampbellKitchen.com

Get a $15 Procter & Gamble coupon booklet from Save-A-Lot
http://save-a-lot.com/p-and-g-booklet-sign-up

Receive a FREE Gardener’s Idea Book when you sign up for the Winners Circle eNewletter
http://www.provenwinners.com/winnerscircle/ce_winnerscircle.cfm?winnerscircle

Free LEGO magazine subscription for the kids
http://club1.lego.com/en-US/legomagazine/default.aspx

Connect your computer to your television to watch free programming online, play your favorite music or show all of your digital photos on the big screen. For instructions, go to www.techlore.com and click on or search for “How to Connect a Computer to Your TV.” Or take both your owner’s manuals to an electronics store and they’ll help you pick the appropriate cable.

Get a free Movie Rental on Amazon. Use code AVODGIFT and get $4 to use toward anything on Amazon Video on demand.
http://www.amazon.com/gp/feature.html?ie=UTF8&gcIsProcess=1&docId=1000465121&gcpcCode=AVODGIFT

Sign up at Redbox to receive a free movie rental. You also will be surprised by codes that are sent to you via text message for free movies.
www.redbox.com

Watch free broadcast TV shows and movies at Hulu.com and Fancast.com

Reduce your dry cleaning bills. There’s a difference between a tag that says “dry clean” which means it’s preferable but not mandatory to dry-clean the garment. Wash and press just two items per month that would have otherwise ended up at the dry cleaner’s and you will save a lot.

If you are not using your gym membership - cancel it. Join the free online boot camp that will whip you into shape in no time flat. U.S. Marine Corps offers workout and training that can be done at home.
www.marinecorpsfitness.com

Want to call almost anywhere in the world for free? 800-FREE-411 lets you make a call from the continental U.S. to almost anywhere for 5 minutes. The catch is that you will have to listen to two mildly annoying 20 second ads first.

On January 16, from 6am to 2:30 pm bring one pickup load of trash to the Bluegrass Waste Alliance Transfer Station, 1505 Old Frankfort Pike for free disposal day.

Get as much as one pickup load of mulch per person and old Herbies converted to composting bins free on January 9 and 16 from 7:30am to 12pm at the Recycling Center at Manchester Street and Thompson Road.

Trade and exchange books for FREE. PaperBack Swap is a website that lets you list books you’d like to get ride of, once a book is requested you mail it to a club member then in return you get to choose from 4,169,043 available books.
http://www.paperbackswap.com/index.php

· Receive March and April issues of Family Circle for FREE.
http://www.valuemags.com/freeoffer/FamilyCircle-BBS.asp


Get free copies of great new reads. Read it first, pass it on. Read it forward.
http://read-it-forward.crownpublishing.com/

Don’t forget your local library. Libraries now offer not only books but CD’s, DVD’s, classes, internet, and much more. Get a library card now for FREE.
http://www.lexpublib.org/card/

Sign up for The Freecycle Network it is a nonprofit movement of people who are giving and getting stuff for free in their own towns. It’s all about reuse and keeping good stuff out of landfills. Membership is free.
http://freecycle.org/

All You Magazine is offering a new rebate for ConAgra products. When you spend $10 on participating products you can submit for $25 in additional savings.
http://www.allyou.com/static/pdf/all-you-post-holiday.pdf

You’ll love all the perks in the Home Improver Club at Home Depot from how-to video tutorials to projects based on your local weekend weather.
http://www.homeimproverclub.com/registerUser.aspx

Learn how to do your own home updates. Sign up for the Do-It-Herself Workshop at Home Depot on bathroom updates for less on January 14.
http://www.homeimproverclub.com/workshopsdetail.aspx?Type=1&id=239

Use your digital camera every chance you get. Hot Prints is giving you a free photo book every month. Shipping and handling are even free.
www.hotprints.com

Get a free 16 x 20 wall portrait from Picture Me Portrait studios located in a Walmart near you.
http://img693.imageshack.us/img693/6512/pictureme.jpg

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