How to Save - Part 8
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How to Save

Save Big on National Garage Sale Day

Posted on Thursday, August 9th, 2018 at 7:00 am
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National Garage Sale Day takes place on the second Saturday in August. The exact date may vary. That weekend is the best time to shop local garage sales (and yard sales).

There are some things you should do if you want to save big on National Garage Sale Day. The first one is to take the time to find out where the garage sales will be located. In some places, neighbors organize so that most of the homes in entire blocks will hold garage sales on that Saturday. You can also discover where local garage sales are at by looking in the newspaper.

Next, you need to make a plan. Where do you want to start shopping garage sales? In some cases, it makes sense to plan your route rather than randomly explore them. You might need to get up earlier than typical if you will be driving to the garage sales in other towns.

Bring a friend or family member to shop with, for more fun. Don’t forget to bring reusable bags with you! Not every garage sale will give away plastic bags. It would be a good idea to have a plan about where to park your car. All of this can save you some time and trouble.

Go in with a list. What do you need? Garage sales can be a great place to buy used, but still in good condition, Back to School clothes for your kids. Sometimes, parents can find baby items like highchairs, bouncers, and baby gates. Or, maybe your home could really use a better coffee table. Make a list of what you need so you won’t forget.

Of course, you will likely find some additional items that you want. That’s ok. Just make sure that you budget for them. People who hold garage sales will only take cash. It would be a good idea to stop by an ATM before hitting the garage sales. If you have time, it would be nice if you could find a way to break a $20 into smaller bills.

Got a lot of stuff that is in good condition that you no longer need? You might consider holding your own garage sale on National Garage Sale Day. Organize with your neighbors for best results.

Take the time to organize your items before the day of the garage sale. There’s a chance you could make some money!

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The Best Things to Buy in August

Posted on Tuesday, August 7th, 2018 at 7:00 am
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One simple way to save money on the things you need to buy is to purchase them when they go on sale. You can get what you need without having to pay full price. Here are some of the best things to buy in August.

Summer Clothing
Stores that sell clothing tend to have summer clearance sales in August. They need to move out the shorts, sundresses, and tank tops and use that space for the incoming Back to School clothing. If you live in a state that is likely to have warm weather through September, now is the best time to take advantage of the summer clearance sales.

Swimwear
If you live in a state that says warm enough for you to hit the beach or splash around in your swimming pool all year round, you may need some extra swimsuits. Buy them now and stock up while they are at the lowest price of the year.

Does your state experience very cold winter weather? You might need some extra swimwear if you plan on traveling to places where the weather is warm during the upcoming holiday season. Do your relatives live where the weather stays warm? Are you going on a holiday cruise? Plan ahead and buy extra swimwear.

Back to School Supplies
Your kids are going to need some new school supplies for the upcoming school year. Before you shop, take the time to compare the back to school supplies sales at several stores. Figure out which one has the best deals, and do your shopping there.

Some parents like to stock up on extra school supplies while the Back to School sales are happening. Doing so can save you money later, when your kids need more paper, pencils, or other supplies. Buy now – and avoid paying full price for the same stuff later.

Early Labor Day Sales
Labor Day is often the last weekend of August, but sometimes happens on the first week of September. There will be plenty of Labor Day Sales happening not only on that weekend, but also during the week before. Nearly every store will have their own Labor Day Sale. Have you been planning to make a somewhat expensive purchase? Consider waiting until the thing you want goes on sale at the end of August.

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Lyft Asks Chicagoans to Ditch Their Cars

Posted on Thursday, August 2nd, 2018 at 7:00 am
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Lyft is an on-demand ride sharing service that functions similarly to Uber. Put their app on your phone, and use it to contact a Lyft driver when you need a lift. Short trips can be very inexpensive. Lyft is currently offering Chicagoans $550 if they get rid of their cars. This unique program could spread to other cities.

It is called the #DitchWithLyft Challenge. To do it, you must break up with your car for a month. Lyft is giving 100 people who live in Chicago credits for Lyft, CTA Monthly Passes, Divvy Monthly Passes, and ZipCar. The main purpose of the challenge is to reduce congestion on Chicago’s streets.

The Verge has more details about how this works. The first thing to know is that Lyft is not handing people money. Instead, they are making it possible for people to use alternative forms of transportation for free.

A total of 100 Chicagoans who sign up will receive $300 in Lyft shared ride credit (for use in carpool trips only), $45 for a monthly Divvy bike-share pass, $100 in ZipCar credit, and $105 for “L” train and bus service.

Those who are interested in participating will need to prove to Lyft that they own a vehicle in order to qualify. Those who qualify will be on an “honor system” to make sure they keep up their end of the bargain (and do not drive their car for 30 days). Participants are encouraged to post on social media about their experience. Lyft will conduct before and after challenge interviews to gauge reactions.

Lyft is considering launching a #DitchYourCar Challenge in Portland later in 2018. That program will ask people who live in Portland, and who own cars, to give up their car for an entire year, rather than just for one month.

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Don’t Miss Your State’s Sales Tax Holiday

Posted on Wednesday, July 25th, 2018 at 7:00 am
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In many states, the brand new school year begins in August or September. Parents must spend money on school supplies, new clothing, and gym shoes for each of their school-aged children. You can save money if you shop during your state’s Sales Tax Holiday.

Arkansas
* August 4 and 5, 2018
* clothing and footwear up to $100 per item
* clothing accessories and equipment up to $50 per item
* school supplies, school art supplies, and school instructional materials

Connecticut
* August 16-22, 2018
* up to $300 of clothing and footwear

Florida
* August 3-5, 2018
* certain school supplies up to $15 per item
* clothing, footwear and accessories up to $60 per item

Iowa
* August 4 and 5, 2018
* clothing and footwear up to $100 per item

Maryland
* August 12-18, 2018
* qualifying apparel and footwear up to $100 per item
* the first $40 of a backpack or bookbag purchase is also tax free

Missouri
* August 3-5, 2018
* clothing with a taxable value of up to $100
* school supplies up to $50 per purchase
* computer software with a taxable value of up $350
* personal computers up to $1,500
* computer peripheral devices up to $1,500
* graphing calculators up to $150

New Mexico
* August 3-5, 2018
* clothing or shoes up to $100 per unit
* desktop, laptop or notebook computers up to $1,000
* related computer hardware up to $500
* school supplies for use in standard, general-education classrooms up to $30 per unit

Ohio
* August 3-5, 2018
* an item of clothing priced at $75 or less
* an item of school supplies priced at $20 or less
* an item of school instructional material priced at $20 or less

Oklahoma
* August 3-5, 2018
* certain clothing and footwear is exempt from sales tax

South Carolina
* August 3-5, 2018
* Tax free items range from clothing, accessories, and shoes, to school supplies, book bags and computers. Shoppers will also find tax free items for the home and dorm room.

Texas
* August 10-12, 2018
* most clothing, footwear, school supplies, and backpacks priced less than $100

Virginia
* August 3-5, 2018
* qualified school supplies up to $20 per item
* qualified clothing and footwear up to $100 per item

Wisconsin
* August 1-5, 2018
* clothing up to $75 per item
* a computer purchased by a consumer for the consumer’s personal use with a sales price of $750 or less
* school computer supplies purchased by the consumer for the consumer’s personal use with a sales price of $250 or less
* school supplies with a sales price of any single item up to $75

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How to Use Ibotta

Posted on Wednesday, July 18th, 2018 at 7:00 am
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Disclosure: This article contains affiliate links. Clicking on an affiliate link can generate revenue for the website owner. The FTC requires blogs that contain affiliate links to clearly and conspicuously disclose that there are affiliate links in the article.

Everyone wants to save time and money when they shop. This can be accomplished by collecting coupons, which can be tedious. Some stores have apps that give users special deals and offers. The biggest limitation of these apps is they can only be used at one store.

Ibotta is a cash back rewards app that gives consumers a better way to save time and money when they shop. No matter what you are buying, or where you are buying it, if you start with Ibotta, you’ll receive cash back. Ibotta partners with hundreds of CPG brands and has over 75 partners like Uber, Postmates, Drizly, Overstock.com, Walmart.com, and some categories of Amazon.

To get started, you need to download the Ibotta app and set up an account. The app is free to download and use on iOS and Android devices. Some of the offers might be for in-store shopping, while others may be for online shopping. New users can receive up to $20 in Welcome Bonuses.

Next, start searching for offers for things you were already planning on buying. You might also find offers for products that are new to you and are tempting enough to give them a try. Add the offers you like and plan on using to your Ibotta app before you shop.

Now, you are ready to start shopping! You can earn cash back on groceries, things you buy from retail stores, bars, restaurants, and more. Make sure you hang on to your receipt when you are done shopping. The last step is to snap a photo of your receipt with your smartphone and upload it to the Ibotta app so it can be processed.

Later on, check your Ibotta account. That is where you can find your cash reward for the specific items you purchased. You can earn extra cash with special bonuses and offers. Ibotta launches new offers each week, plus ongoing partnerships with top brands.

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Save Money on Snacks While Traveling

Posted on Wednesday, July 11th, 2018 at 7:00 am
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Going on vacation can be a nice break. It can also quickly become very expensive. One way to cut down on the cost is to plan ahead. The way to save money on snacks while traveling is to bring your own. Doing so prevents you from having to buy overpriced snacks at the airport.

Unrefrigerated
For best results, choose foods that do not require refrigeration. You don’t want to accidentally eat a food that has gone bad and then spend your vacation being sick. You may not have the budget to pay for a night spent in a hospital.

Some healthy options that will travel well include: dried fruit, jerky, crackers, rice cakes, granola bars, protein bars, dry cereal, nuts, popcorn, pretzels, and trail mix. All of these are “finger foods” that do not require refrigeration.

Easy to Eat
When deciding what kind of snacks to bring, keep in mind the environment you will be in. Avoid things that require the use of sauce, or spreads, that could get really messy. Traveling by train or car isn’t always smooth, and air travel sometimes involves turbulence. Food that requires in-travel preparation may be too difficult to eat.

Another way to make travel snacks easy to eat is to put them in reusable containers. Small plastic containers, with secure lids, can be very helpful. You can quickly open them and close them as needed.

Just in Case
Unexpected things happen when people travel. You might only have a short span of time to catch your flight or train. Weather can delay your departure time. There is a risk that you could be stuck somewhere while hungry.

The overpriced (and not always healthy) foods that are nearby can seem tempting if you are getting hungry and feeling desperate and frustrated. Save your money and eat the snacks that you brought with. Families that are traveling with small children will definitely need plenty of kid friendly snacks.

Bring a Water Bottle
It is important to stay hydrated. People who are on vacation tend to forget how long they’ve been out in the sun. You might underestimate the amount of exercise you are getting as you explore new places. Bringing a water bottle with you can help keep you well hydrated.

Fill the water bottle at your hotel before you set out for the day. If you run out of water, you may be able to find a cafe or restaurant that offers water for free. You won’t feel the need to spend money on sodas from vendors while you are out if you have water with you.

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How to Save Money with Ibotta

Posted on Wednesday, July 4th, 2018 at 9:09 pm
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Disclosure: This article contains affiliate links. Clicking on an affiliate link can generate revenue for the website owner. The FTC requires blogs that contain affiliate links to to clearly and conspicuously disclose that there are affiliate links in the article.

One thing is true for just about everyone. We all have to go shopping from time to time! Many people truly enjoy shopping and see it as their favorite hobby. Others only shop when they absolutely need to. No matter how you feel about shopping, you can make your shopping experience more rewarding with Ibotta.

Ibotta is a cash back and rewards app that gives consumers a better way to save time and money when they shop. No matter what you buy or where you are buying it, start with Ibotta, and live Life Rewarded.

The first thing you need to do is download the Ibotta app. It is 100% free to download and use on iOS and Android devices.

Users receive cash back on products and services from online and in-store retailers, including:

* Beer, Wine & Spirits
* Pharmacy
* Grocery
* Travel
* Clothing
* Beauty & Wellness
* Restaurants & Bars
* Convenience
* Crafts & Gifts
* Home & Electronics

Ibotta launches new offers each week, plus ongoing partnerships with top brands.

Do you enjoy in-store shopping at your favorite retailers? Ibotta began with a simple goal: to help consumers save on everyday products at the grocery store. Five years later, users can use the app to do so much more. They haven’t forgotten their roots and still offer cash back on thousands of household products and grocery items.

Start earning cash back at stores like:

* Walmart
* Target
* Whole Foods
* Costco
* Safeway
* Kroeger

Do you prefer mobile shopping to in-store shopping? With its huge number of partner apps, Ibotta is the place the start for all mobile purchases. Not only will you get cash back, you’ll also safe time.

Start earning cash back at apps like:

* Amazon
* Drizly
* Groupon
* Overstock
* HotelTonight
* Postmates

New users who register with Ibotta can receive up to $20 in Welcome Bonuses. Ibotta users have earned over $250 million dollars in cash back. The average active user makes $20 every month.

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Ways to Save Money on Prescription Medications

Posted on Wednesday, May 9th, 2018 at 7:00 am
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Piggy Bank with PillsAmericans spend more money on prescription medications than people in any other country. Sometimes, a person’s health insurance will cover the prescription medications that they require. Other times, the insurance company refuses to cover it, leaving people to struggle to pay for the expensive medications that they need. Here are a few ways to save money on prescription medications.

Ask your Doctor for Generics
It is a good idea to ask questions when your doctor prescribes a medication. The doctor usually won’t know whether or not your health insurance covers what they are prescribing. Ask your doctor if it would be ok if you took the generic version of the medication instead of the name brand.

One vivid example of why this is important was in the news a while ago. The EpiPen (made by Mylan) is expensive. This pen is used by people who have severe allergic reactions to things that can cause them to go into anaphylaxis. The double-pack of Mylan EpiPens can cost as much as $400.00

CVS has created their own version of Mylan’s EpiPen. The CVS version costs around $5.00. It is made from the same ingredients as the EpiPen. Ask your doctor if he or she can prescribe the generic version instead of the name brand.

Ask the Pharmacist for Generics
CVS is rolling out a new tool that alerts CVS pharmacists to cheaper drug options when they fill patient’s prescriptions. It is called the Savings Finder. This program flags a less expensive therapeutic equivalent, prompting the pharmacist to tell the patient and seek permission from the doctor to make the switch.

Savings Finder is also available to CVS consumers through an app.

No matter where you pick up your medications, it is a good idea to ask the pharmacist if a less expensive version is available. The generic versions are often much less expensive than the name brand.

Compare Prices
Call your preferred pharmacy and ask what your medication would cost. Next, call several other pharmacies, and ask the same question. Sometimes, the price of a medication can change depending on which company’s pharmacy you ask – and whether or not the pharmacist is aware of a generic version.

Ask the pharmacist if you can get a discount for having the store’s loyalty card. Ask for coupons. Find out if a prescription will cost less if you have the store’s credit card or membership card.

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How to Lose Weight Without Going Broke

Posted on Wednesday, May 2nd, 2018 at 7:00 am
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There are two times every year when many people decide to try and lose some weight. The first is January, when people make weight loss their New Year’s Resolution. The second is Spring, when people decide to lose weight so they can look good in swimwear. Whatever your reasons for weight loss are, there are ways to lose weight without going broke.

Exercise for Free
Can’t afford a gym membership right now? Look for ways that you can exercise for free. Some people may be able to take advantage of the gym at the company they work for. Your employer might have an incentive going on that encourages employees to take walks, eat healthier, and lose weight.

Other people might be able to use the track at the local high school for free. If the weather is nice, you can go for a bike ride, walk down a bike path, or go for a run outside.

Try Online Workouts
There are tons of workout videos all over the internet. You can find plenty of them on YouTube. Many of these videos do not require any specialized workout equipment, so you can do them without having to make a financial investment. For best results, seek out videos that are made by professional instructors or trainers.

Check your Insurance Coverage
It is possible that your health insurance will cover some types of weight loss services or treatments. Most health plans cover free screening for obesity as part of guaranteed access to free preventable care. WebMD says that if your body mass index (BMI) is over 30, you qualify for free weight loss counseling. Some health insurance plans will cover weight loss medications, or a visit with a nutritionist.

Eat more Produce
The Eat This, Not That! blog suggests that people swap meat for plant protein. Plant based proteins such as legumes (lentils, chickpeas, peas and beans) have been shown to speed up weight loss. Typically, meat is more expensive than vegetables are. Swapping veggies for meat can help you not only lose weight but also save money on your grocery bill.

Pack a Lunch
You have already spent money on groceries. Use them up! Take the time to pack a healthy lunch that you can bring to work or school. Fill a reusable bottle with water. This gives you the opportunity to make healthy choices for lunch without having to spend any additional money. It also makes it easier to avoid the fast-food places on your lunch break.

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The Simple Dollar has 100 Tips for Saving Money

Posted on Wednesday, April 11th, 2018 at 7:00 am
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The Simple Dollar is an excellent website for people who are looking for ways to save money. They put together a blog post titled “How to Save Money: 100 Great Tips to Get You Started”. Here are just a few of those tips that sound extremely easy to do.

Turn off the TV
One way to save some money on your electric bill is to get into the habit of turning off your TV when you aren’t watching it. The best part of cutting down on the amount of TV you watch is that you won’t be watching ads. Many people allow ads to influence them to make purchases they don’t need. Less time spent watching TV means you can avoid the ads and save money.

Try the 30 Day Rule
All of us have made an “impulse buy” at one time or another. People who shop for emotional reasons (and not because they need something specific) are likely to buy things without thinking about whether or not they have the money for it. The Simple Dollar suggests that you use The 30 Day Rule. Don’t make that purchase today! Wait for 30 days. Your urge to buy that item will likely disappear.

Drink More Water
You can lower your grocery bill if you stop drinking a lot of soda, juice, and sugary tea. and start drinking more water. Bring a refillable water bottle with you when you are out and about. When you get thirsty, you won’t be as motivated to purchase a soda. This simple practice can save you money and help improve your health.

Turn Off the Lights
Your parents were right – leaving lights on in rooms that no one is in costs money. Get into the habit of turning off lights before you leave the house. Take it a step further and turn off lights in rooms that no one is in at the moment. During the day, you can open the curtains or blinds and let the sun shine light into your home.

Buy Used When You Can
Before you buy something brand new from an expensive store, take a look at the thrift stores in your area. You can buy used clothing – that looks as good as new – for a lot less money than if you bought a similar item from a retail store. Used book stores are excellent places to purchase books that are new-to-you. Some used book stores will give you store credit for books that you donate to them.

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