best Saving Money Online with Digital Coupons
The Internet is a great invention for many different reasons.
But, did you know that it can be a great resource for saving you money when shopping? You no longer have to clip coupons out of the Sunday paper;
you can find them right at the tip of your fingers just by knowing where to look!
One of the easiest ways to save money on the Internet is by printing online coupons. All you have to do is type the search criteria
“online coupon” in your favorite search engine and you are on your way to savings! Here are some examples of great online web sites that help you save money:
CouponSurfer CouponSurfer has almost 300 coupons from over 100 stores on their web site. Do you need new brake pads on your car?
You can save up to 50% just by filling out the free registration form at CouponSurfer and printing their coupon.
Other recent savings at CouponSurfer were a 40-cent coupon from Tropicana, a 50-cent off coupon from St. Joseph’s aspirin, and coupons from Pampers.
Hot Coupons Hot Coupons lets you type in your zip code or city name to find discounts offered in your area.
You can find savings for local restaurants, automotive centers, health centers, retail stores, and businesses including real estate, lawyers, hotels, and doctors.
Also, pay attention to television commercials. Many times, companies coming out with a new product will advertise on television and list a web page where you can print a money saving coupon.
A recent commercial from Febreze listed their web page address. By going there, you can fill out a form and have Frebreze mail you
$20 in coupons for many of their products, including their latest electronic air freshener, NOTICEables.
There are also web sites that offer a percentage off online purchases. Ultimate Coupons is a great example of this type of online savings site.
Ultimate Coupons constantly updates their site with the latest in online savings. A recent search showed coupons for 10% off at Target.com,
15% off Pet Supplies at Petco, and $5 off $20 on Digital Photos & Gifts at Snapfish. Many times,
if you search online, you can also find codes for free shipping to places like Macys, Sears, Amazon, and Old Navy.
Many web sites have user forums where people can share online savings and free offers with each other.
Big Big Forums is an excellent place to visit to find coupon codes, freebies, and reward programs.
Members (there are over 31,000) post different offers they have seen on television or found online.
There are folders for each particular type of offer, so it is very easy to find things here. Once you register for free, you too can post coupon codes and freebies.
You may even be lucky enough to get in on a free subscription to a magazine such as TV Guide or link to a free Schick Quattro razor.
A great feature of many Internet web sites is that they will give you price comparisons of items for which you are looking.
Froogle is Google’s shopping search engine. All you have to do is type in the name of what you are looking for and Froogle does the rest!
It will find web pages selling the item you are looking for and lists the price. That way, you can find the best deal available.
There are several other web sites that will help you to do comparison shopping such as MySimon and Bizrate.
Letting these sites help you find the best price can make every online shopping experience enjoyable.
Other web sites can save you money online too. You can refinance your home loan and find the lowest interest rates by searching at Ditech or search for the cheapest car insurance at Geico.
How do you learn about all the sites available? The best way is to pay attention to the media. Commercials, newspapers, and magazines are always listing web sites.
Also, join a forum such as Big Big Forums. When people share ideas and resources, it can be great for your pocketbook. Remember that every coupon and savings opportunity adds up!
How in the World Do People Save Money?
Saving money is a hard task to master. It always seems that when things come up, there goes your savings. Many people I know never have any savings to start with.
Saving money is the cornerstone of a successful money management plan. Without an emergency savings when my husband recently was laid off, we would have been up a creek. Even with the emergency savings, things were very tight and we had to call our bank for assistance.
Now we face the task that many people face. Starting over with our savings.
It seems simple to say. You just put your extra money into savings. Wrong.
There really isn’t such a thing as extra money. You may have found that out by now. If you are spending, you have no extra money. If you have debt, you have no extra money.
Where you find savings money is through having a simple budget. Your budget will identifiy money for savings. It is hard to start saving. But once you start, you form a habit that lasts.
Start with identifying why you want to save money. Set short-term and long-term financial goals. In the short-term, you may want to buy a new couch. In the long-term, you might want to retire early. These are the goals that make saving worth a little sacrifice.
Give your goals dollar amounts and time frames. When you know that you only need to put back $100 a month, it is much easier than focusing on the $3,000 you need to save. Write down your goals and refer to them at least once a week. Track your progess and keep it as your number one priority.
You will eventually find that when you go to buy things, you are thinking that if you don’t spend as much, you will be closer to your goal. What a nice thought that is. You will find that not spending feels better than being guilty after spending.
Make sure you have a separate savings account. We like to tell ourselves that we can leave a cushion amount in our checking. We can’t. If it is there, we spend it. If you put your savings in your checking, you will dip into it. Have your savings in a separate account that you can watch grow.
If you don’t already have a budget, you need to make one. You will be able to identify areas where you can cut back your spending.
A lot of people have trouble identifying how much they should put into savings each month. This simply depends on your goals and finances. If you have a lot of debt that you need to pay down, you may be saving less. If you have your debt paid off, you may be saving more. Look to how much your budget says you can save. Don’t get caught up in percentages. The only time I use them is when we have bonus or unexpected money. In that case, we get a small percentage as free spending money. The rest goes into savings.
The best way to set up your savings habit is to not have to even think about it. Have the saving amount automatically debited from your checking and deposited directly into your savings account. You don’t ever see the money, which makes the temptation disappear.
There are no real secrets to saving. You simply have to find a method that works for you. It is hard to live with no savings. Especially the emergency savings that protect you from broken down vehicles, financial mistakes and job losses. We are frantically trying to build our savings back up, because we know how important they really are.
Still enjoying life, while saving money
People tend to go crazy on mall wide sales, or join the occasion shopping rush, without even thinking that those things on sale are actually not an immediate need or want, it just so happens that it was put on sale, so you buy it. Then you’ll ask everyone else why you’re losing so much cash, why you don’t have enough savings, etc., but when they say or tell you to start saving money, you start rolling your eyes, singing unintelligible tones, etc.
Actually, when you really think about it, saving money doesn’t only mean that you have to really allocate a portion of your disposable income periodically, you can also start cutting your extra expenses or your very expensive bills and costs. It’s just a matter of retraining your thoughts and mind to what is really important and practical.
You can still enjoy a happy and creative lifestyle without spending so much. It doesn’t mean that when you live on less, you are making your life miserable. Through the following examples, you’ll see that saving money is really not that difficult or brain-racking after all. Besides directly depositing your money (which is the best way to save), you can actually take some simple daily steps to cut expenses like: (1) choosing vegetables over meat — healthier yet less costly, (2) put aside small bills and coins — you’ll soon forget them but they’re actually accumulating and adding into hundreds of dollars, (3) haggle for the best rate or price — when you canvass and shop for rates, companies and vendors will surely drop their prices, (4) don’t shop through catalogs — they are way too expensive, try shopping in online bargain sites instead, (5) avoid paying unnecessary fees and charges — no need to pay a professional if you can actually do it, and there are so many more ways you can think of to save money by cutting your avoidable expenses.
Saving money is a daily responsibility which everyone can actually do, it’s a matter of determining and distinguishing your needs and wants, prioritizing your needs, and paying only what is due. Why should you pay more for what’s worth less? Why do you have to buy a designer-labeled dress, when you can get the same style in a cheaper brand? Why spend a very expensive dinner when you can buy a whole week’s consumption at that same cost?
When you start doing this money saving ways, you’ll see how people would also follow, just make it a habit and you’ll see how an inexpensive lifestyle can become a happy and easy way of life. And of course, remember that you need to start saving money today, so refresh your old-school thinking and gear your thoughts to a more productive, stylish, and inexpensive lifestyle.
Energy savings equals money savings
When you think of savings, it doesn’t only refer to saving money for a future need; a much more immediate need of saving is the energy and resources. Energy savings should be in the mindset of everyone, especially if you still have a considerate heart and mind for the environment and the resources.
Many would not of course feel such demand and pressure on energy savings because they thought and believe that they will not get affected by this. Well, they thought wrong. Resources are depleting and diminishing by the second, yet some are still not concerned enough to adjust and help. One has to reckon that energy savings equals money savings. The more you save energy, the lesser your bill is, so it’s actually a win-win situation.
If there are money saving tips, there are also guidelines on energy savings. Even if you feel that you’re only saving a little of the energy used in your homes, if these energy savings will be added to the rest of the energy savings in your neighborhood, community, and city, it surely results to a huge percentage of the overall energy savings of the place. You don’t really have to do such drastic measures in order to save energy, just do a little of everything and it will do a lot in the end. When you think of ways to save and conserve energy, there’s no better place to start than your home. Consider electricity — your heating and cooling systems, appliances, and lighting for starters. Remember that you can save more when you “turn on and turn off” the appliances, lights, etc., compared to leaving it on the whole time. Make sure that your old appliances are replaced with new ones which have the energy-efficiency label on it, because most old appliances are consuming and using more energy than the new ones. Use systems and items that absorb or consume less wattages or energy. Unplug appliances if not in use, or plug it to power-saving devices like a power bar so that you can easily turn it off, and stop the appliances from drawing energy. Clean appliances like refrigerators, stoves, etc., as often as possible. Repair all leakages, holes, etc., immediately. And there are so many more ways to save electricity and energy, but one of the most important thing is that proper information and understanding should be inculcated in everyone’s mind, because all your efforts are futile if you are the only one doing it while other family members are not. Energy savings will truly be worth it if everybody does his share.
Remember that when you save energy, you are also saving money, plus you are saving the environment as well.
Tips On Saving Money
Do you always worry about money? Are you always playing catch up with your bills? Here are some tips on saving money in case you are one of the millions of Americans who are struggling with some type of debt:
Pay your credit card balances in full each month.
Do not use credit card for things like groceries or dining. If you cannot afford to pay cash for it, you can’t afford it, period.
Always review your credit card monthly statement to make sure charges you never make do not appear.
Do business with a bank that does not charge monthly services fee.
Use only ATM machines that are affiliate with your bank.
Review your medical coverage and auto insurance policy.
Shop around for cheaper rates and see if you can save money by getting higher deductibles.
Do major comparison shop and only buy when you have found the lowest price possible for that item.
Take advantage of rebates or shop at store that offer instant rebates.
Go to discount stores for toys and clothes.
Eliminate impulsive purchases by “sleeping on it.” Especially when buying clothes or any major purchase.
Garage sales are also know to be a good choice on certain items you need.
Cancel call waiting, caller ID, and three way calling from your telephone.
Shop around for the best long distance carrier.
Use phone cards to call international or long distance.
Use your cell phone only for emergencies.
ELECTRICITY, GAS, WATER
Cut down your water use, especially hot water.
Lower your thermostat by 1 or 2 degrees.
Add ceiling fens.
FOOD AND BEVERAGES
Buy you soft drinks by the 12 pack instead of vending machines or fast food drinks. That will save you a lot and you’ll also avoid the bacteria.
Brew you own coffee instead of going to a fancy coffee house.
Avoid eating out. Put the money in a fund for saved money or apply that to a bill.
When eating out order water instead of drinks. When you are free of debt you can celebrate.
Don’t subscribe to cable channels you don’t watch. Stick to the basic plan or cut out the cable for a while.
Rent videos instead of going to the theater or, if you must, go to the matinee instead of evening showings.
Check out DVD or VHS movies from the library. It’s free.
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