How to Save - Part 7
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How to Save

Change Your Mindset and Save Money

Posted on Friday, December 27th, 2019 at 12:12 am
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Saving money is important, but most people do not find it to be fun. People tend think about all the things they could be spending money on and tend to feel that they are missing out. One way to save money is to change your mindset.

Realize that saving money is a privilege. There are many people who are deeply in debt, with no means of being able to pay it off. Some people are are struggling to pay their utilities and rent, and are unable to afford to buy food or pay for their medical care. Start viewing your ability to save money as a blessing, not a punishment.

Learn to separate your needs from your wants. A “need” is something that you literally cannot live without. This can include food, medical care, and weather appropriate clothing. You need to pay your rent (or mortgage) in order to live indoors, and your utility bills so you can have access to warmth and water.

A “want” is something you would like to have but can live without. A “want” could be the newest smartphone (when your older one is still functional). It can wait until you save up for a new one. Start thinking of saving money as the way to get the treats that you don’t truly need, but desire to own.

Does it seem like you are always running out of money? Why does that keep happening? It could be because you aren’t thinking about what you spend. Buying a coffee before work doesn’t sound too expensive – but it can add up if you do it every day. Start collecting receipts, and it will open your mind to your spending habits.

Change your mindset to see the benefits of saving money. It makes it easier to do!

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How to Teach Your Kids to be Frugal

Posted on Saturday, December 21st, 2019 at 1:09 am
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Very few people intrinsically understand how to be frugal with their money. Parents are going to have to teach those skills to their children. Doing so will help them to live frugally when they are older.

Making Choices with Money

Help your children understand how much things cost. One way to do this is to have them use their allowance, or the money their received on a gift card, to buy the items they want. The next time your child asks for something they want at a toy store, take the opportunity to talk about making choices with money.

Show your child how much the item costs. Clarify how much money the child has in their pocket or on their gift card. This can help young children understand if they can afford to buy it right now. If they want to buy two toys, but only have enough money to buy one, they must make a choice.

Have Your Kids Contribute

Older kids tend to want things that are expensive. A teenager who has a driver’s license can help pay for their own car insurance. Teens who desire to have the latest, newest, smartphone can pay for the data service portion of the bill.

Affording what they want will typically require the teenager to find employment. Parents can help their teenager to start keeping track of the amount of money they earn, and to make a budget. This skill will set them up to make informed, and frugal, choices about money after they leave for college.

Teach the Basics about Money

Tweens and teens are ready to learn about the differences between a credit card and a debit card. It is an important lesson to learn before they are old enough to apply for them. Make sure they know the difference between a savings account and a checking account.

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AC Moore is Closing All 145 Stores

Posted on Thursday, December 12th, 2019 at 1:11 am
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AC Moore announced that it will close all of its 145 arts-and-crafts stores. The majority of the stores are located across the East Coast.

AC Moore’s parent company, Nicole Crafts, said that Michael’s (a larger craft store chain) will take over the leases for as many as 40 former AC Moore stores. AC Moore did not give a timeline for the store closings. It has already stopped accepting online orders. For best results, call the store before you shop to make sure it still has the items you want.

If you visit the AC Moore website, you will notice several large, brightly covered advertisements about storewide sales. Save 25% to 50% off the original price of many items – in store only. Holiday floral and décor is 50% off the original price, Melissa & Doug toys are 40% off the original price, and kids arts & crafts are 30% the original price. There are also deals on custom framing.

These sales could end whenever the stock runs out and as stores close. You may want to take advantage of the sales by visiting your local AC Moore as soon as possible. Now is a good time to pick up additional materials for your favorite type of crafting. It is also a good opportunity to purchase gifts for creative and crafty loved ones. Choose wisely! The store may close before it is possible for a return or exchange to be made.

There is a chance that your local AC Moore will become a Michael’s store. This can be good news! Michaels is a larger chain than AC Moore, and is more likely to be able to stay in business. The change means that artists and crafters won’t have to search for a new craft store to shop at. The original location will still provide that purpose – but under a different company.

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Frugal Resolutions for the New Year

Posted on Wednesday, December 4th, 2019 at 1:27 am
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This year, make your New Year’s Resolution to live more frugally in the months ahead. Doing so will likely require you to make some changes about how you spend your money. It may seem hard at first, but the result will change your views about spending.

Start Using Coupons

Coupons are an excellent way to save some money on groceries. You can find coupons in the advertisements that are sent to your mailbox. You can get a loyalty card from your favorite grocery store and have access to special deals, discounts, and sales. Check the website of the brands that your family enjoys. That brand may offer coupons to those who sign up for email.

Make a Budget

One way to get a good idea of where your money is going is to make a budget. Write down every bill that you need to pay on a monthly basis. This can include rent, mortgage, utilities, internet access, phone data charges, bills that are not covered by your health insurance, and more. Keeping track of the amount you owe, and comparing it to the amount you make, will make it very clear if you need to make some changes.

Shop Smarter

Consider buying clothing and household items from local thrift stores. The price will be much less expensive than if you bought the same things from big box stores. Dollar stores are another good place to shop, especially ones that also sell food. When the weather gets warmer, it is time to check out the local garage sales.

Find some Frugal Friends

It can be hard to stick to a budget if all of your friends have a tendency to spend lots of money every weekend. You may have more success if you find some frugal friends who you can hang out with. Frugal friends will be interested in inexpensive entertainment options.

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Tips for Having a Frugal Christmas

Posted on Wednesday, December 4th, 2019 at 12:00 am
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People often feel the need to spend a lot of money at the end of the year. It starts with the Black Friday sales, and continues right through December. What if your budget is not equipped for a massive amount of spending? Try these tips for having a frugal Christmas.

Wrap Gifts Frugally

Use up the holiday gift wrap that you purchased last year before purchasing more. If you run out, consider going to a dollar store to buy more wrap and tape. You might be able to get some festive bags to put presents in while you are there.

Another way to wrap gifts frugally is to use newspaper instead of buying gift wrap. It won’t cost you any money – especially if you use the grocery store advertisements that appear in your mail for free. Some gift wrap cannot be recycled, but all newspapers can be!

Make Handmade Gifts

Do you like to bake? It doesn’t cost very much to make a batch of Christmas cookies that you can give as gifts to family members, co-workers, and friends. Put some cookies into a zip-lock bag to preserve freshness.

Do your loved ones like to bake? Buy some festive looking sealable jars from a dollar store. Put in layers of the ingredients they need to bake their own cookies. Attach the recipe to the jar with string or a ribbon. It will be even more meaningful if the recipe you share is one that has been handed down from one generation of your family to the next.

Frugal Celebrations

Parents can take their children to visit Santa Claus for free. Everyone can do a tour of the most decorated houses in their area without having to spend much money. If the weather isn’t bad, your family may be able to walk there and back. If not, it shouldn’t cost too much in gas to slowly drive through the are. Religious families may enjoy going to church on Christmas Eve.

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“Best If Used By” Label Helps Prevent Food Waste

Posted on Wednesday, June 19th, 2019 at 7:00 am
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Do you check the “sell by” date on the things you buy at the grocery store? Soon, you may be checking the “best if used by” date instead. The Food and Drug Administration (FDA) recommends that foods should be labeled with “best if used by”. The change could reduce food waste.

The FDA found that consumers have some confusion over the labels on products such as “best if used by”, “use by” and “sell by”. A 2007 survey of U.S. consumers found that less than half of the people who participated in it were able to distinguish the meanings between the three different product labels.

This confusion can lead to food waste. You’ve probably thrown out food that might be past the date on the label just in case it had gone bad. The FDA found that food waste by consumers may often be caused by fears about food safety due to misunderstanding the labels on the product. The confusing labeling accounts for approximately 20 percent of consumer food waste.

Both the Grocery Manufacturers Association and the Food Marketing Institute have instituted a voluntary initiative to streamline the date labels on packaged foods. Get ready to see the “best if used by” label on more food packages!

The “best if used by” label means exactly what it says. The food inside that package is best if you use it by the date on the label. It does not mean that the food goes bad after that date. In some cases, the food might become a bit stale – but will still be safe to eat.

One way to save money on groceries is to make sure that you use them up before they spoil. You might have used a coupon or loyalty card discount to lower your grocery bill. If you had to throw the food away, then you wasted your money.

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Dressbarn is Closing All Its Stores

Posted on Wednesday, June 12th, 2019 at 7:00 am
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Dressbarn is owned by Ascena Retail Group (which also owns Ann Taylor and Loft). Ascena has decided to close all 650 Dressbarn stores in order to focus on its more profitable brands.

Dressbarn has been around for five decades. It has struggled to grow as women steer toward fast-fashion retailers like H&M and Zara, and discount chains like TJ Maxx, Ross Stores, Target, and Amazon.

CNBC reported that Dressbarn customers will be able to continue to shop from the Dressbarn store and the store’s online website as the closures are taking place.

No specific timeframe for the store closures has been revealed. It appears that Ascena Retail Group is going to slowly wind-down Dressbarn rather than close all the stores at once. It is unclear whether or not the Dressbarn website will close when the stores do, or if it will continue to be available.

Fans of Dressbarn can visit the website to see what deals are current. Those who sign up for the Dressbarn email can get a discount on any single regular priced item. The front page of the website is filled with special offers that will only be around for a limited time. At the time the Dressbarn closures were announced, the website was offering deals on summer clothing.

Dressbarn offers sizes from 2 -24. Not every store sells plus-size clothing sizes, so it would be a good idea to seek out another store that also offers plus-size clothing. There’s no way to be certain when your local Dressbarn will close.

Until the closures happen, fans of Dressbarn should make an effort to take advantage of the sales and discounts the store offers. Plan ahead and purchase clothing now for events, meetings, conferences, and vacations that you will be taking in the next few months. Save yourself some money now, before Dressbarn is gone, forever.

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How to Make Summer Vacation Less Expensive

Posted on Wednesday, June 5th, 2019 at 7:00 am
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Summer vacation can be fun, especially if you are planning on doing something special. Travel can be costly, especially for families. Fortunately, there are ways to make summer vacation less expensive.

Plan Ahead

The best way to cut down on the costs is to plan ahead. Set aside money all year long for the vacation you want to take during the summer. Doing so can prevent you from putting everything on a credit card. You can also get a discount if you book flights and hotels in advance.

Kids Stay Free

Families who are traveling with children can take advantage of special offers that will help them save money. When planning your vacation, look for hotels and resorts that have a “kids stay free” deal.

Ask local restaurants if they have a “kids eat free” deal. Some may restrict that offer to certain hours. Typically, these types of freebies are only offered to children 12 and under.

Skip the Big Summer Holidays

Many people plan their vacation around summer holidays like Memorial Day, Labor Day, and the Fourth of July. One reason those dates are attractive is that many workers get a three-day weekend. That means they won’t have to spend as much of their vacation time to go somewhere.

The extra expense comes from hotels and airlines who raise their rates during busy times. Avoid those holidays to lower the cost of your vacation.

Find the Free Events

Do some research before you travel. There may be some interesting events happening that you can attend for free. Find out when the local museums have a free day. There may be a festival going on that is free to attend.

Farmers’ Markets are almost always free, and often include live music. Parks and beaches may also be available for everyone to enjoy.

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CVS is Closing 46 Stores

Posted on Wednesday, May 22nd, 2019 at 7:00 am
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CVS Health is going to close 46 underperforming stores. This change is happening as CVS shifts more of its retail presence toward health care. Here is a list of what CVS stores are already closed, or will be closing soon.

USA Today reported that the following CVS stores are closed or closing:


  • Huntsville: 3115 Bob Wallace Ave SW
  • Mobile: 664 Schillinger Rd S
  • Montgomery: 2815 Lower Wetumpka Rd


  • Phoenix: 7434 W Indian School Rd


  • Antioch: 3130 Buchanan Rd
  • San Francisco: 1285 A Sutter St
  • San Francisco: 995 Market St
  • Sun Valley: 9375 San Fernando Rd

District of Columbia

  • Washington, DC: 1201 Maryland Ave SW


  • Wilmington: 402 N Maryland Ave


  • Daytona Beach: 1350 Beville Rd
  • North Fort Myers: 13991 N Cleveland Ave
  • Ocala: 1607 S Pine Ave
  • Palm Beach Gardens: 3168 Northlake Blvd


  • Honolulu: 1441 Kapiolani Blvd. Suite 510
  • Honolulu: 1401 S Beretania St. Suite 110


  • Chicago: 745 W 103rd St
  • Chicago: 175 W Jackson Blvd
  • Chicago: 1620 W 59th St
  • Chicago: 1550 N Kostner Ave
  • Lincolnwood: 7179 N Lincoln Ave
  • North Aurora: 1015 W. Orchard Rd.
  • South Barrington: 100 W Higgins Rd

New York

  • Greenwood Lake: 123 Windermere Ave
  • Staten Island: 812 Forest Ave


  • Detroit: 10301 Woodward Ave.


  • Brooklyn Park: 7996 Brooklyn Blvd.
  • Minneapolis: 1110 Hennepin Ave.
  • Minneapolis: 2426 W. Broadway Ave.


  • Springfield: 1735 South Glenstone Ave.

New Mexico

  • Albuquerque: 7105 Central Ave. NE


  • Brownsville: 1454 Central Blvd.
  • Copperas Cove: 1407 E W Hwy 190
  • El Paso: 2525 N. Mesa St.
  • Katy: 3080 S Fry Rd
  • Newport: 4730 US Route 5
  • Rio Grande City: 5322 E. US Highway 83
  • San Antonio: 7031 Marbach Rd.
  • Spring: 6945 Cypresswood Dr

What should you do if the CVS nearest you is closing? First, use up all of your CVS coupons. This includes paper coupons and digital coupons. Next, find a new pharmacy to transfer your family’s prescriptions to. 

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Amazon Now Accepts SNAP Benefits in New York

Posted on Wednesday, May 15th, 2019 at 7:00 am
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Amazon now allows customers in New York to use their SNAP benefits to purchase groceries online for home delivery. It is being done as part of a pilot program. More states will be added later.

Supplemental Nutrition Assistance Program (SNAP) beneficiaries in New York state are now able to use their nutrition assistance benefits to order groceries online from Amazon and other retailers and have them delivered directly to their door thanks to a new pilot program launched with the United States Department of Agriculture (USDA).

This is the first time that millions of SNAP recipients in New York can redeem their grocery benefits online.

Amazon is committed to increasing access for customers by offering low prices on a wide selection of items. With online acceptance of SNAP, Amazon is also offering New York SNAP customers the ability to shop the grocery and household selection on Amazon Fresh and Prime Pantry without requiring a membership fee.

This new initiative helps Amazon increase access for millions of low-income New Yorkers by adding a SNAP redemption option, with broad selection, low prices, and the convenience of home delivery. As Amazon expands the program will dramatically increase access to food for more remote customers and help to mitigate the public health crisis of food deserts.

While customers only in select areas of New York can currently use their SNAP benefits to purchase food on Amazon, the company is working with the USDA to expand service area coverage within New York state in the near future.

Additionally, the ultimate goal of this pilot is to pave the way for a national rollout once the USDA identifies the best path to large-scale implementation.

If you live in New York, and receive SNAP benefits, you can visit the Amazon website about SNAP EBT to get started.

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Good Tip: Saving money is important – especially if you have a lot of expenses like bills to pay, loans to pay off, and all the other things that drain your bank account. Figuring out a way to save money can feel tedious to some, and like a punishment to others. U.S. News suggests that you try one of these money saving challenges. The “No Eating Out for a Month” Challenge This one is self-explanatory. The goal is to avoid eating out for an entire month. This might be super easy for people who enjoy making meals at home. People who really enjoy dining out, or ordering food to be sent to their home, may struggle with this one. It’s worth a try because spending money on take-out is more expensive than buying groceries. The Pantry Challenge This one is a variation of the “No Eating Out for a Month” challenge. The goal is to use up all of your groceries before you buy more. It forces you to try and remember why you bought a food or beverage that you don’t know what to do with, and gives you the opportunity to find a way to use it. The one exemption to this challenge is the foods that have expired. Don’t eat them! Throw them in the trash. The “No Spend” Challenge Make a goal to avoid spending money during an entire weekend. The only exemption in this challenge is that you are allowed to pay bills. This challenge is interesting because it requires creativity. You must be creative and find workarounds for problems that you would typically solve by spending money. You may have a different outlook on spending after finishing this challenge.