Tuesday, April 9, 2013

Frugal Forum April 9,2013

Now that the weather is getting nicer it is time for some spring cleaning. So just like your closets need a good clean out every spring your financial clutter also needs sprucing up. Between the holidays and just the cold weather we tend to let some of our financial responsibility fall behind. Being organized makes it much easier to handle all of your money matters from paying bills to filing your important papers. I strongly recommend spending a little bit of money to get you some file holders, containers and labeling markers. When you are done with your project you will feel rejuvenated and fresh with a new financial beginning.

First get organized.
Go all around the house and get all documents that need to be filed or shredded. Right now Office Depot is offering free 5 pounds of shredding with online coupon. http://www.officedepot.com/speciallinks/us/od/docs/taxcoupons_shredding.pdf  Get a folder for each type of document from bank statements, medical bills, utilities, investments, tax returns and supporting documents, credit card bills, and insurance bills then file.

De-cluttering your electronic device.
With computers, smartphones and iPads our electronic life can get cluttered as well. Start with your online banking information by eliminating accounts you don’t pay any more and set up new accounts to save money on postage by paying your bills online. Check out your emails and clear out all the old ones. Remember that most emails from businesses will allow you to unsubscribe at any time. If you don’t read them get rid of them.

Now is the time to check your credit.
You get three credit reports free per year. Go to annualcreditreport.com to get your report and check for mistakes. Fix errors and make it a point to note which areas could use some improvement.

Evaluate your insurance coverage
Make sure your assets are adequately covered. Read your insurance policies check deductables. Bundling your auto and home policies can save you money. Call your agent or bring your policy to another company to compare price.

Check your rates.
Do a yearly housekeeping call to your major monthly bill producers like cable, phone and internet  checking if you are getting the lowest rate. The worst thing they can say is “No” but you might get lucky by just asking they may reduce your bill.

Tax Deals:
Free black and white copy of your taxes at Office Depot (up to 25 pages) http://www.officedepot.com/speciallinks/us/od/docs/cpd_4_0113_taxtoupons_bwcopies.pdf
Two free Cinnabon bites at participating Cinnabon on tax day https://www.facebook.com/events/497116730349346/
Free Federal Filing from Turbo Tax. www.turbotax.com
On Wednesday April 17 get free Samurai Surf and Turf entrée at Panda Express http://www.pandaexpress.com/coupon/full/Free-SST-Coupon#
Celebrate National Cheese Fondue Day at Melting Pot from April 8-11 with a buy one portion of cheese fondue and receive the second portion free. Just make a reservation and say Buy Cheese, Get Cheese. http://www.meltingpot.com/lp/ncfd.aspx

CVS Deals:
Buy two Stride Gum for $2 use $1 Sunday paper coupon receive $1 extracare bucks
Buy Dermasilk use $5 Sunday paper coupon receive $10 extracare bucks
Buy Venus refillable razor use $3 Sunday paper coupon receive $2 extracare bucks
Rite Aid Deals:
All Dr. Scholl’s product on sale 25% off buy one get $3 +UPs rewards plus use $3 or $4 Sunday paper coupon

Walgreens Deals:
Buy one Gillette Mach 3 Sensitive Razor system for $9.99 use $2 Sunday paper receive 2000 points (equals $2)
Buy Colgate Total toothpaste $2.49 use 75 cents Sunday paper coupon receive $1 register rewards
Buy Zantac 50 count or larger $17.99 use $5 Sunday paper coupon plus use $3 in store coupon

The EAA Young Eagles program give young people the opportunity to go flying in a general aviation airplane for free. http://www.youngeagles.org/programs/youngeagles/

LaneBryant.com has a promotional code available right now for an extra 50% off of their clearnce. Just enter promotional code SpringLB at checkout www.lanebryant.com

Buy one get one free Thoroughbred Legends books just enter promotional code EELEGENDS at checkout. http://www.bloodhorse.com/ecards/ee_Legends_Apr2013.html

Save up to 50% off Mother’s Day Bundles at Philosophy

Print out 50 cents Pampers coupon use it at Krogers for their mega deal this week to get free wipes. http://www.pgeveryday.com/tag/coupon?utm_source=homepage_module&utm_medium=pahc&utm_campaign=pge

Kroger mega deal:
$1 off Hormel Sandwich Maker making it just 49 cents after the mega deal plus same deal with $1 off Hormel Complete

Dream Milk $2 coupon on their facebook page

4 x 4 cedar raised garden bed at Home Depot $29.88 Great way to start a small garden http://www.homedepot.com/p/t/202520884?catalogId=10053&langId=-1&keyword=raised+garden+bed&storeId=10051&N=5yc1v&R=202520884

50 cents coupon for Pamper Wipes doubles use it for Kroger Mega Deal making for some free wipes http://www.pgeveryday.com/tag/coupon?utm_source=homepage_module&utm_medium=pahc&utm_campaign=pge

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