How To Save


How to Save

7-Eleven Accepts Digital Payments

Posted on Wednesday, September 19th, 2018 at 7:00 am
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7-Eleven announced that is will accept payment from customers via Apple Pay and Google Pay. It already accepts Samsung Pay.

This means 7-Eleven customers in the United States can pay by using their smartphone. Apple Pay users will continue to receive all the rewards and benefits offered by credit and debit cards in 7-Eleven stores.

There are other ways to save time and money at 7-Eleven:

7Rewards: is 7-Eleven’s loyalty program app. It is free to download. Scan the 7-Eleven app in store with each purchase. Doing so earns you some points. Redeem your points for items at 7-Eleven.

You can earn bonus points faster when you buy select snacks, drinks, and other items in store. The app also gives customers who buy six qualifying cups (beverages) the seventh cup for free.

7-Eleven NOW: is 7-Eleven’s smartphone app that is currently being rolled out in the United States. It enables on-demand ordering of products from local 7-Eleven stores, and offers Apple pay as a payment option.

Amazon: The in-store package pickup service, Amazon Locker, is in approximately 1,100 7-Eleven stores. This means you can use Amazon Locker and have your purchase sent to the nearest 7-Eleven (that is participating in this offer). Amazon Cash may be used at more than 8,000 7-Eleven locations.

BillPay: An app powered by PayNearMe enables users to pay a variety of bills at participating 7-Eleven stores.

TransAct by 7-Eleven: is a reloadable, prepaid card that enables people to have their paycheck or government benefits loaded up to 2 days faster with direct deposit. It also lets people add another person to their Card Account and share funds with a secondary cardholder. With Mobile Check Load, you can load funds to your account using the camera on your iPhone or Android smartphone.

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How to Save Money at Subway

Posted on Monday, September 17th, 2018 at 7:00 am
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Subway has recently put some effort into making some changes. Some of the new innovations could help customers save money at Subway. Some of these new things are going to stick around, and others are on their way out.

$5 Footlong
The inexpensive $5 footlong is on its way out. Many franchisees don’t like this offer because they feel it they cannot make their margins with this deal.

That being said, there’s nothing stopping individual stores from continuing with the $5 footlong. Ask your local Subway store if they still have a $5 footlong offer.

My Subway Rewards
Subway MyWay Rewards allows customers to earn tokens and get rewards. You can sign up online or download the app. If you already have a Subway rewards card, then all you need to do is log in.

Swipe your Subway MyWay Rewards card at any Subway Restaurant. Or, you can place an order on Subway’s app or through Subway’s website. Customers earn tokens for every dollar they spend. Hit 200, and you get a $2.00 reward. There will also be special deals, offers, and surprises.

This could be a good deal for people who go to Subway often. You’re likely to earn tokens and rewards just by doing something you already do.

Share a Sub
Are you someone who struggles to eat an entire footlong sub? Bring a friend or family member with you to Subway. Figure out what kind of sub you want ahead of time. Buy one footlong, split the cost, and the sandwich.

People who can’t eat a whole footlong themselves won’t have to worry about what to do with the leftover half sandwich. This prevents food waste (which also saves money). It’s also a great idea for parents who want to feed themselves and multiple kids at Subway while keeping things inexpensive.

Coupons and Groupon
Check your mail for sales papers. There could, potentially, be some Subway coupons waiting for you. Clip the ones that you think you will use, and remember to use them before they expire. In addition, you can check Groupon for Subway promo codes and printable coupons.

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Frugal Entertainment Options

Posted on Wednesday, September 12th, 2018 at 7:00 am
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People who are trying to stay within their budgets are going to have to limit their spending. It doesn’t sound like fun. Fortunately, there are many frugal entertainment options to choose from.

Visit the Library

Need something to read, but don’t have the money for new books? Visit the library! It’s a great place to find interesting books. Unlike bookstores, libraries are happy to have people quietly sit and read. Libraries also offer newspapers and magazines. Many libraries allow patrons to check out physical books and ebooks. Some offer videos as well.

Read Books You Have at Home

People who love to read have a tendency to buy tons of books. They end up with piles of books that they intend to read…. someday. If they are trying to save money, then “someday” is now! It can be very satisfying to check books off a “to read” list.

Stay Home and Stream Movies

Do you currently subscribe to a video streaming service like Netflix or Hulu? That subscription costs money. Get the most from your dollar by making time to watch the movies and TV shows that you are already paying for.

It’s much less expensive than going to the movie theater. Even better, you can eat and drink whatever you want to while sitting on your comfortable couch.

Play or Watch a Game

Families can grab some board games and make a family game night. It’s a good way to make use of games that haven’t been played in a while. Another option is to go outside together and play baseball or basketball. Video games, especially ones that have already been purchased or subscribed to, are another great option.

Too tired to play a game? Try watching one. Tune in when your favorite sports team is on TV. Or, check out Twitch or YouTube for some video game live streaming. There are plenty to choose from.

Shop at Thrift Stores

People who love to shop are going to want to continue that activity even when they are trying to save money. The most frugal way to shop is to visit thrift stores. Most communities have at least one or two to shop at. It is possible to buy a lot of things at thrift stores for a little bit of money.

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How to Save Money in College

Posted on Monday, September 10th, 2018 at 7:00 am
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College is expensive. Tuition, classes, and textbooks all cost a lot of money. Students have to figure out how to pay for food and housing and how to fit a part-time job around school. In the end, there will be a huge student loan to pay off. It’s a good idea to be frugal. Here are some ways for students to save money in college.

Rent Instead of Buy

Don’t purchase brand new appliances while living in a dorm or apartment. The less expensive option is to rent a microwave, mini-fridge, or air conditioner. Search the local area for appliance rental places that cater to college students. Don’t forget to compare prices!

It might be possible to rent the textbooks your classes require. Some good places to start are Amazon, Chegg, and Barnes & Noble. Find out if the local library carries the edition of the textbook you need. It may be possible to borrow it.

Test Out of Classes

Many colleges and universities allow students to “test out” of some college courses. The student takes a test on the content that course would teach. If the student passes the test, they are given credit for completing that course.

The student will have to pay for the test. It’s worth it because paying for the class and the required textbooks will be much more expensive than the test.

Use the Campus Amenities

Tuition covers more than a dorm room. It can also include access to the campus gym. Students might be able to attend concerts and speaking events for free on campus. Sporting events may be free for currently enrolled students.

Take advantage of this! Use the campus gym for free instead of paying for a membership at an off-campus gym. Attend the free concerts. Go to the game and cheer for your school’s sports team. These freebies can keep you entertained and help you save money.

Students who live in dorms may be eligible for a meal plan. It is often included in tuition. All the student has to do is arrive at the cafeteria and show proof that they are a student.

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How to Save Money on Car Repairs

Posted on Wednesday, September 5th, 2018 at 7:00 am
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Nobody enjoys getting stuck with a huge car repair bill. It can be hard to fit unexpected expenses into your budget. Fortunately, there are ways to save money on car repairs.

Keep Up with Maintenance

AAA recommends drivers do regular maintenance on their cars. Doing so can extend the life of the components in the car. Simple repairs like getting the oil changed can help keep the car running smoothly. Cleaning your wiper blades can help keep debris from scratching the windshield.

Regular maintenance can help drivers identify problems while they are still small. It is going to be less expensive to take care of a little problem than a big one. In other words, regular maintenance is preventative care for your car.

Buy Parts Online

Market Watch says drivers should buy parts online rather than allowing the dealership to buy them. Some dealerships will markup the price on the auto parts that your car needs repaired. Consumers who know what to look for might be able to buy the same part for less money by purchasing it online.

Set Aside Money for Repairs

The Nest suggests that drivers create a car maintenance fund. Start setting aside money so that it will be ready to pay for maintenance and repairs. The Nest recommends that drivers put maintenance funds into a savings account and avoid borrowing from them.

Setting aside money for repairs can prevent expensive problems. It enables drivers to avoid having to use their credit cards to pay for the repair, and prevents the worry of being able to pay it down. It also means the driver will not need to take out a loan.

Ask Questions

State Farm emphasizes that drivers should ask the mechanic for a copy of the estimate. Make sure the estimate is signed and includes all parts and labor totals. It is a good idea to go line by line with the mechanic and have them explain it.

Find out if the repairs on the estimate are recommended or if they are essential. Repairs that are not essential could potentially wait until later. Knocking those off the estimate can save you money.

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Sears is Closing More Stores

Posted on Monday, September 3rd, 2018 at 7:00 am
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Sears will be closing 46 more Sears and Kmart stores. This follows the more than 100 stores that Sears Holding shut down in January of 2018, and the 100 or so stores it shut down in May.

These closures may result in changing how and where you shop in the upcoming holiday season. Here are some tips for coping if your local Sears or Kmart will close before Christmas.

Don’t Do Layaway

It can be risky to put something on layaway in stores that are closing. There’s a chance that the layaway deal you paid for could abruptly end if the store ends up closing sooner than expected. You could end up paying for layaway and not being able to access the items you were trying to save.

There is also a possibility that a store that is closing may have already stopped offering layaway. If you see something you want to buy while shopping – purchase it right away. If it’s not in your budget, then it might be best to buy the same item from a different department store that is still offering layaway.

Find an Alternative Catalog

Many people grew up pouring over the Sears catalog that arrived by mail during the holidays. It was a huge, fat, catalog filled with the hottest toys of the season. It seems unlikely that Sears will publish their catalog this year.

An alternative catalog might be found online at the Sears website. Amazon typically has special offers during the holiday season. Kohl’s and Target might print advertisements that function sort of like the Sears catalog did (but in a smaller format).

Find Deals at Stores that are Closing

Stores that are in the process of closing need to liquidate their stock. These stores may have sales that you won’t find in the stores that are going to remain active and open. Shop wisely! Check the item to make sure it is in good condition. Don’t be tempted to buy things that you don’t need just because they are on sale.

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Save Money on Back to School Lunches

Posted on Thursday, August 30th, 2018 at 7:00 am
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The new school year is starting and parents have to find a way to ensure that their kids will have a healthy lunch while they are at school. There are ways to do that and save money on school lunches. Try some of these ideas!

National School Lunch Program

The National School Lunch Program (NSLP) was started in 1946 under President Harry Truman. It is a federally assisted meal program operating in public and nonprofit private schools and residential child care institutions. It provides nutritionally balanced, low-cost or free lunches to children each school day.

Parents can check the NSLP for this year’s eligibility requirements. Those requirements can change from one school year to the next. In general, the parent’s income is considered (including whatever public assistance benefits they receive). The total income limit tends to be higher the more children that are in a family. Your kids could qualify for free or reduced cost school lunch.

Buy in Bulk

Your dollars can go farther if you purchase food in bulk. Buy a bag of oranges instead of individual ones. Pre-cut them for your kid’s lunch. Get a bag of grapes instead of individual packages of raisins.

Buy whole carrots and cut them into small pieces instead of buying pre-cut carrots. This strategy cuts down the cost of a school lunch. It also stops food waste. Kids are more likely to eat fruit or vegetables when it is already cut up for them than if they are presented with a whole piece of produce.

Bake your Own

Does your child want a muffin or cookies in their lunch? Bake your own! The cost of the ingredients will likely be less than the cost of a box of cookies or muffins at the store. Baking your own pastries allows you to control what ingredients are in these snacks and ensures that each of your kids will get the same amount.

Buy a Reusable Water Bottle

Clean water is the healthiest choice of drink for all humans. Our bodies need a constant supply of water in order to stay hydrated. Buy a small, reusable, water bottle for your child’s lunch bag. Or, use the bottle that comes in your child’s lunchbox. Fill it with clean, filtered, water from your home.

If that’s not an option, buy large bottles of water and pour some into your child’s reusable water bottle every day for them to take to school. Many schools allow kids to keep a bottle of water at their desks during the school day.

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Don’t Make These Mistakes When You Have Debt

Posted on Tuesday, August 28th, 2018 at 7:00 am
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Being in debt can be stressful. It can be hard to decide what to pay off first. Certain habits will make it harder for a person to pay off their debt. Make good choices! Don’t make these mistakes when you’re in debt.

Don’t Stop Paying the Debt

People who are in debt often feel overwhelmed by the amount of money they owe. It cannot be quickly and easily paid off, and this makes some people give up. They stop trying to pay off their debt and keep spending. This is a terrible idea because it makes the debt grow bigger. Instead, the best thing to do is to make a plan about how to pay off the debt. Get some help with this if necessary.

Don’t Pay Only the Minimum

Credit cards require people to pay at least the minimum balance every month. Failure to do that can result in penalty charges that will add to your debt. So, some people who are in debt pay the minimum and figure that’s good enough.

Unfortunately, the minimum is not enough. Paying the minimum is going to make the credit card company happy – but it won’t actually reduce your debt. The way to chip away at credit card debt is to pay more than the minimum.

Don’t Open Up New Credit Cards

It can be tempting to open up a new credit card account that has no debt on it. People who do this think it will help them to stop using the credit cards that have a lot of debt attached to them. What actually happens is the person now has one more minimum balance to pay every month.

Instead of opening new credit cards, it is better to try and control your spending. Choose a card to keep active, and put the rest away. Some people literally freeze their credit cards in their freezer. Be extra cautious about how much debt you add to the usable credit card. Remember to keep paying more than the minimum on all debts.

Don’t Borrow from Friends and Relatives

Often, a family member or close friend will offer to help a loved one to pay down their debt. Or, a person who is in debt might ask a loved one for a loan. This is not a long-term solution. It creates a brand new debt to pay off.

Eventually, the friend or relative will expect to get the money back. People tend to get grumpy when they are not paid back the money they loaned in a timely fashion. This situation can put a huge strain on a relationship.

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Tips for Saving Fresh Produce

Posted on Thursday, August 23rd, 2018 at 7:00 am
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Fresh fruits and vegetables can be healthy and delicious. Sometimes, they can also be expensive. It can be really discouraging to spend money on healthy foods and to have them rot before you can eat them. Here are some tips on saving fresh produce.

Potatoes: Store potatoes in a cool, dark, dry place. A temperature of around 38 degrees Fahrenheit or 3 degrees Celsius is the ideal way to keep your potatoes cool and out of direct light until you are ready to cook them.

Salad Greens: Store them in a plastic storage container lined with paper towels. Dump the lettuce leaves out of the plastic bag they came in and into the container. Don’t jam-pack the container. Put another paper towel over the lettuce leaves and tightly close the container. Put it in the refrigerator.

Bell Peppers: Store bell peppers in a plastic bag and put them in the vegetable crisper in your refrigerator. They will last for approximately one to two weeks.

Onions: Store onions in a cool, dry, well ventilated area. Maintain a storage temperature of 45 degrees – 55 degrees Fahrenheit. Do not store onions with potatoes or other produce items that release moisture. Keep onions out of direct sunlight.

Tomatoes: Store perfectly ripe tomatoes on the counter away from sunlight. Keep them at room temperature. Put them in a single layer without touching each other, and stem side up.

Strawberries: Keep fresh strawberries cold and dry so they won’t mold. Arrange the berries (without washing or removing the stems) on a paper towel-lined tray and cover them with plastic wrap. Put them in your refrigerator.

Bananas: Take the bananas out of the plastic bag as soon as you get home. Bananas stored at room temperature ripen slower and more evenly. Do not expose the bananas to direct heat or sunlight. Place them away from the stove, heater and window. Do not keep them in a bunch – separate the bananas.

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Will Short-Term Insurance Plans Save You Money?

Posted on Tuesday, August 21st, 2018 at 7:00 am
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You may have heard that short-term health insurance plans can save you money. Before you buy one, it is a good idea to look at the big picture. These types of plans are not going to be ideal for all consumers.

Short-term health insurance plans are also called short-term limited duration health insurance plans. They were originally designed for people who have had a temporary gap in health insurance coverage.

For example, a short-term plan is for people who are leaving one job and starting another. They lose the health insurance coverage from their old job, and have to wait for the new job’s health insurance benefits to kick in.

Short-term heath plans are are cheaper than the health plans on the Affordable Care Act marketplace. The short-term plans can cost as little as $25 a month. Short-term plans are widely available, and may not require people to wait for open enrollment.

Your premium will be less with a short-term plan. However, since short-term plans do not cover very much, you will end up paying more out-of-pocket than you may have expected.

Things to know about short-term health plans:

* They are allowed to deny you coverage if you have a pre-existing condition.

* They are allowed to refuse to cover people with chronic health conditions.

* They are allowed to cancel your insurance coverage if the insurer learns that you have a condition that you did not tell them about.

* They are allowed to charge sick people more money for their premium than they charge healthy people.

* They don’t cover maternity care.

* They don’t cover have to cover prescription drugs.

* They do not cover mental health care.

* They are allowed to use your medical history to deny coverage for the health care you need.

* They do not cover mental health.

* They will only cover a hospital stay up to a certain dollar amount. After that, you will have to pay out-of-pocket for the rest of the bill.

* They are not required to cover the essential health benefits that Affordable Care Act plans are required to cover.

A short-term health insurance plan may be a good choice if you are leaving one job and must wait to qualify for health insurance coverage at your new job. A short-term plan might be ok for a young and healthy person, who has no pre-existing conditions, no mental health conditions, and who does not use any prescription drugs.

Most people, however, will find that the low premium price on a short-term health plan means that they are going to have to pay out-of-pocket for the majority of their health care needs.

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