Tuesday, September 3, 2013

Step one! Understanding what to do!

I am still learning the entire process, and with help from sites, friends, and just trial and error I am starting to understand how to make the whole saving process work, and all though you will have to change up some items for yourself there are many ways to start shaving off from your weekly, and monthly costs.

#1 Make a budget, a REAL one and an Honest and achievable one. Don't be crazy you can always make a new one and adjust as you go along.
I have started at $40-$60 a week, Which I think is still a bit high just for me, but I'm factoring in Gas, and feeding Cats, Dogs, Fish and Dart frogs. So they all need food and care as well. I also try and save extra change, and dollars for emergency, vets bills what ever will happen. Credit is a last resort, lock up the cards if you have to, Cash and debit cards only!

#2 Make a list of what you need for the week, as you go along, before any trip, know what the general cost is and make sure you stick to it. Don't shop hungry, and stay away from the extra deals!
Some like to make a monthly list, I'm still working and happy with a weekly list.

#3 Know where to find discounts, coupons, websites, text coupons, there are many sites out there that are free that will give you free printable coupons. I like these sites.

www.coupons.com
www.thekrazycouponlady.com  (this actually lines up coupons you can print or get out of the paper and freebies and all sorts of fun stuff with your favorite store, great for the person with not a lot of extra time.
www.mypoints.com  You can earn gift cards and extra coupons and points just by looking at emails, and taking surveys. Yes it works! I saved up for about 6 months and recently got a $50 gift card to Kohl's to treat myself to some new clothes.
mystayathomeadventures.com This is a link to my friends blog, who also shares a lot of savings and coupons for how to save.
You can also text Offers to 827438 if you Like shopping at target, and they will text you coupons to your phone to use in store.

#4 understand your stores and their coupons and coupon polices. Some stores double their coupons, some store will let you use a store coupon and a manufacture coupon on the same Item. These will all help you lower over all cost on items.

#5 don't get discouraged. It takes time and effort to learn how to get your bill lower and lower, keep at it, and set reachable goals for yourself.

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