Posted by M.S. on August 27, 2009
Dollar stores can be a great economical source for a wide variety of items including food, household items, cleaning supplies, gadgets, school supplies,wrapping paper, greeting cards, and much much more.
Shop Smart Magazine , published by the editors of Consumer Reports, recently sent mystery shoppers into dollar stores across the country. What they found was somewhat shocking and something you should consider before your next trip to a dollar store!
First, what they discovered was that roughly 77% of the items in many dollar stores cost more than a dollar! It’s easy to get caught up in the buying frenzy, thinking you’re getting a super bargain, so you do need to practice restraint in the store.
One surprising fact that may influence your buying decision, is that many dollar stores will not accept coupons or returns. Many dollar stores also will not accept credit cards.
The mystery shoppers at ShopSmart Magazine compared the prices and quality of 11 household products and compared those same products with items purchased elsewhere.
Included in the pricing comparison was heavy duty aluminum foil, gift wrapping paper and supplies, and cotton rounds. Each of these items was found to be a good value for the money, based on the price and quality of the product.
Several items that the ShopSmart Magazine investigators tested, turned out to actually be more expensive or of a lesser quality than would be readily available at a Target, Wal-Mart, Walgreens or CVS stores, particularly if you used coupons at the other stores.
Those items included tissue wrapping paper and birthday candles, which they noted were consistently cheaper at Wal-Mart. Of course, shopping the sales at the other superstores and using your coupons could wind up lowering your prices on those items dramatically!
Another interesting discovery by dollar store investigators, was the fact that there were some expired medicines and food products being sold, including items for children. Customers have reported incidences of expired or leaky batteries purchased at dollar stores.
Investigators also found numerous items that could be dangerous to children, including toys with small parts which could be choking hazards. According to investigators, be especially careful of older toy items being sold, which could possess high levels of lead paint. Customers also reported issues with lighters not turning off, and fire hazards with Tiki torches.
All in all great the dollar stores are a great place to get great bargains! But it does pay to be selective and careful when shopping.
Posted by M.S. on July 15, 2009
Is the Summer heat starting to get to you?
How about a little diversion, where you can be entertained, for very little, or no money?
Would you be interested to know how you can watch television shows & movies & listen to music for free?
Check out this marvelous totally free website for listening to music on your computer: Pandora.com
You can build your own playlists, called stations, on Pandora.com to listen to music based on artist, style, or a particular song.
It is described as the “Music Genome Project” because they make recommendations of music based on the artist or song that you choose.
Pandora.com is totally free and worth a look!
Another terrific website for your Summer viewing pleasure is called www.Hulu.com
Their website describes Hulu.com as a free online video service that offers access to hit TV shows anytime, including Family Guy, 30 Rock, and the Daily Show with Jon Stewart, etc.
Current and vintage movies and documentaries are also available for viewing, including National Geographic specials.
And it’s all free! How can you not like that?
Of course, most people are familiar with www.YouTube.com where people share their videos with the world!
You can watch everything from classic Michael Jackson music videos to current news, politics and sports.
There are even how to videos showing everything from hanging wallpaper to applying makeup.
Check it out! www.YouTube.com
One of my absolute favorite frugal places to rent current movies is www.Redbox.com
Redbox vending machines are typically found in grocery stores and drugstores, which makes it perfect for grabbing a movie when you are out running errands.
The price is right too! Movies can be rented for only $1 a night. You can even go online to the Redbox website and reserve a movie, so you know it’s available when you get to the vending machine.
Relax–you deserve it!
Check out my posts on the DealDivas blog in the Charlotte Observer newspaper for more great frugal tips!
Posted by M.S. on July 1, 2009
Want to have lots of fun this 4th of July and save some money at the same time?
Be sure and check out the guest posts I have been writing for the Charlotte Observer Newspaper in a series called “Hot Summer Savings, 2 Weeks to Save You Money”.
Read about lots of money savings ideas including how to get free money through coupons and discounts, travel the world without breaking the bank, and undertake a fabulous and frugal home makeover.
Read about the terrific items I found on a recent visit to a Habitat for Humanity ReStore.
Included is this brand new pedestal sink for $ 22! Wow!
It’s time to get going on that bathroom project!
I LOVE this fabulous Black chest of drawers I found for $ 25!
Give a room a whole new look for very little money!
Read much more at the Charlotte Observer.
Posted by M.S. on June 22, 2009
Did you know for most people, their single largest investment is their home?
Would it surprise you to know the 2 areas that home buyers focus on most when searching for real estate are the kitchen and the master suite, which includes the master bedroom and the bathroom?
Don’t you think you have a better chance to sell or rent your home if you have a spa bathroom? Of course you do!
Come along as I show you step by step how I recently achieved that spa feeling for very little money!
Creating the drama of a spa bathroom is simple when you use the same techniques that fancy resort spas and hotels use when furnishing their spaces.
Every elegant spa bathroom must have a beautiful bench beside the tub for holding a luxurious bathrobe or your pjs. That’s a great place to start!
If you are going to have a spa bathroom, you simply must have candles and warm fluffy towels. Add some dramatic candles in rich candlesticks to cast a warm romantic glow. Place the fluffy towels right beside the tub to complete the look.
Green plants give that touch of nature and you are on your way to creating a peaceful oasis! It is the details that really make the difference!
Not only is your fantastic spa bathroom a restful retreat, it will add to the value of your home since everyone loves a gorgeous bathroom!
Take a look at the frugal yet fabulous ways you can furnish your bathroom retreat!
I started with this dramatic 3-tiered rack that came from Ross Stores and was only $19.99. Place on the corner of the tub for extra storage and load it up with all the goodies!
The height of the piece gives additional space, allowing you to add everything you might need!
The plants are from Michael’s at $2.99 a piece and the designer towels were purchased on closeout at one of my favorite stores, TJ Maxx for $3.99 each!
No spa bathroom would be complete without a terrific vanity with a comfortable seat! What a terrific addition to the space!
This upholstered bench looks totally custom but was actually found at TJ Maxx, for only $24.99! You can’t beat that!
This gorgeous wrought iron bench looks just like one I saw at the luxury store, Frontgate! But this one was only $19.99 at a local Ross Store.
You have to love that!
Give your bathroom a professionally decorated look by creating an elegant yet simple window treatment.
Simply drape a neutral length of fabric over elegant decorative brackets, and Voila! You are in business!
It’s great to have a
tiered shelf to hold all the supplies you would find in a spa bathroom.
This one was located at Ross Stores for only $39.99.
The wrought iron with wicker design adds texture to the space, something interior designers know adds to the luxury!
Look at the dramatic effect a little effort can give you on your largest appreciating asset– your home!
As you soak in the tub in your new spa bathroom, think of all the money you will make from your elegant bathroom makeover!
** **
Check out my guest posts in the Hot Summer Savings series in the Charlotte Observer newspaper.
Posted by M.S. on June 9, 2009
Would you be interested to learn exactly how to make up to $500,000 TAX FREE doing makeovers on real estate?
I thought so!
Did you know that since 1997, up to $250,000 in profit ($500,000 for a married couple) on the sale of a home, is exempt from taxation if you have lived in the home as your principal residence for two out of the last five years?
A friend of mine told me several years ago she and her husband have done this exact thing many times and she showed me step by step exactly how they accomplished this. These ideas have been incorporated into my own homes and I will showcase the process I used over the next several weeks.
Basically, the right house must meet specific criteria. The property must have great potential as a primary residence, be in a terrific location and need a makeover. Increase the market value of the real estate by adding character & value through improvements, landscaping and decorating. In essence, make it look like a model home.
Live in it for 2 years, market the heck out of it, sell it and repeat the process! You can do this too! Especially in the current real estate market where there are fabulous deals!
Today, we demonstrate great ways to add value to your home with inexpensive & easy to do custom window treatments and blinds.
We purchased these faux wood blinds that fit on the inside of each window segment and are very easy to install. The length of the blind is adjustable by removing slats from the bottom that are not needed . This creates the custom look, since they fit exactly.
The US Post Office sent us a packet of coupons when we moved into our new home that included a 10% coupon good at Home Depot, which Lowe’s will also honor. We purchased all of the blinds with this coupon!
Our front door has a fan shaped window above the door and 2 very thin side windows. Custom blinds would have been required for this configuration and there was NO WAY I was going to pay $1,200, which is the quote I received from a blind company.
Instead, I bought 2 queen sized white bed sheets for $ 9 total, perfect because they are large with no seams, and I made simple pockets in each end.
I cut a wooden dowel rod to make tiny custom curtain rods and held them in place with 10¢ cup hooks from the hardware store.
The curved fan window treatment was very simple to make, using the same design with a bedsheet and sewing a rod pocket at each end. I measured the distance between the top edge of the window to the bottom edge and simply pieced together one long rectangle that I made pockets at each end and threaded through a $ 3 plastic drainage tube.
I used tubing because it’s pliable and it will curve. Pretty clever huh? I found this tubing in the garden department of the hardware store.
Voila a custom window treatment!
That would cost $500 to have a designer create that for you!
A door that leads to the patio has a long slender window. This time I used an aluminum blind purchased on sale at Wal-Mart, removed the extra slats at the bottom and it looks totally custom!
Home buyers love to be able to walk right into a property that looks like a Model Home and not do a thing!
They don’t know that you used inexpensive techniques to enhance and stage the property, so the value of your improvements goes right into your selling price!
You are making it easy for buyers to LOVE your property and thanks to a little effort, you are on your way to making great tax free money!
Posted by M.S. on June 5, 2009
Do you want to build wealth and have financial independence? Well, do you?
Then every day, with every financial decision you make, remind yourself that there are 2 main methods to achieving that goal.
It is a simple concept: Make more (revenue) and spend less (costs). The more money you accumulate, the more you have to invest, which increases your wealth and helps you get rich.
We learned a long time ago, that with some effort, we could save 50% of our meager incomes in order to save money for a down payment on an investment property or to add to our investment accounts.
You may ask, what does that have to do with this great bread machine?
As regular readers of this blog know, I LOVE bargains and believe you can get pretty much everything at reduced prices if you search for them.
The less you spend- the more you have to save and invest!
Long ago, I discovered the gold mine of estate sales and garage sales! I have been amazed at what people have sold and the fantastic stuff I have been able to buy for a song.
Recently, I spotted this brand new, never used Williams-Sonoma bread machine at a garage sale.
The woman running the sale said her husband had given it to her as a Christmas gift several years ago and she had never used it! She no longer had the box or the instruction book, and that’s why she had it priced at $10!
I asked her if she would take $5 and she happily said Yes! This terrific Williams-Sonoma item probably sells for $100 or more!
After I paid her, I asked her “If you didn’t want it, why didn’t you take it back, get the money and buy something else?” She said, “Oh I didn’t want to hurt his feelings.”
I said “The money he spent belonged to both of you–doesn’t that seem nuts to basically throw away $100?” She said “Yeah, I guess so.”
So, thanks to her and her husband I now have a brand new bread machine! There are bargains like this everywhere!
At another yard sale, all books were priced at 50¢ and I found this terrific Bread Machine book!
So now for the cost of one loaf of gourmet bread--I have a terrific machine that will make me countless loaves of fresh bread!
The money I save will be invested in appreciating assets that will build wealth!
The savings all add up!
A loaf is baking right now! Yummm!
Posted by M.S. on May 29, 2009
I LOVE to save money every way I can and that includes on cosmetics!
Many years ago, a frugal friend of mine told me she used a brand of cosmetics called “Wet & Wild”. They make a full line of cosmetics including foundation, eyeliners, lipsticks, nail polish and mascara. They work great, are super economical and I have used them ever since!
The lipsticks and eyeliners are what I use the most and they are each only 99 cents a piece!
The regular price is a super bargain- but you can get an even better price this week!
This week at Rite Aid you can get 1 Wet & Wild item for full price, for only 99 cents and get the second one at half price, that’s only 49 cents.
That works out to only 75 cents an item! Compare that to the price of some of the fancy brands of cosmetics! What a deal!
This best part is, as you can see on my receipt, I used one of the $25 Rite Aid gift cards that I had received FREE for transferring a prescription to Rite Aid! Getting these items on sale, leaves me with extra money on the card to buy other goodies!
Another great tip I received from a thrifty lady was for hairspray that is also just as effective as the expensive fancy brands! It is called Rave and is about $1.29 a bottle! I plan to get some of that with my FREE gift card too!
That’s money I am saving to build my wealth! I want to make ME rich–not the cosmetics companies!
And don’t you feel much more beautiful knowing you have money?
Let me know if you have other tips like this please!
Posted by M.S. on May 26, 2009
If you could pick up a prescription and get a $25 gift card for FREE at the same time, would you be interested? Would you like drugstores to be fighting for your business and giving you more FREE $25 cards? That’s what happened to me and I’ll tell you how you can do this too!
Recently I saw a sign in the window of a local Rite Aid drugstore that said you could get a FREE $25 gift card for any transferred prescription. The pharmacist told me I just needed to give them the prescription number and location of the pharmacy that had my prescription–and they would handle the rest.
I gave them my info and later picked up my prescription and got my FREE $25 Rite Aid Gift card! That gives me FREE MONEY, so I can invest that money instead!
Actually, you can transfer up to 4 prescriptions and receive a total of $100 worth of FREE Gift Cards! What a deal!
A week later, out of the blue, I received a $25 check from Walgreens in the mail that I could redeem if I transferred a prescription to them! I believe that was in response to my transferring a prescription away from their store.
Being a person that always loves FREE MONEY, I did just that! I now have $50 worth of FREE gift cards I can use to buy anything I want. The cards do have some restrictions. You cannot use the gift cards to pay for prescriptions or co-pays, stamps, tobacco, and other items.
But–anything else in the store you need including cosmetics, household supplies, even food you get for FREE!
I took the $50 I would have spent on these drugstore items and I invested it in the Vanguard S&P 500 Index Fund–to make myself MORE MONEY!
Use this calculator to see how that $50 will grow over time and how it will help you build wealth! Every little bit helps!
Posted by M.S. on May 24, 2009
Recently, I discovered fabulous printable grocery coupons at Kraftfoods.com to take with me when I went shopping for food at my favorite store, Wal mart!
Included were terrific coupons for Cool Whip, Philadelphia Cream Cheese, Ritz and Triscuit Crackers and more! Those were the things I love and wanted to get anyway!
While I was on the Kraft website, I came across this terrific Flag Cake recipe! It was so impressive looking, yet sounded super easy, so I decided to make it for our Memorial Day picnic!
Many of the ingredients in this patriotic cake were items I got with the coupons.
Most of these Kraft coupons gave me $1 off the price of the item and combined with the low prices at Wal-Mart, I was able to get them for practically nothing! That’s just the way I like it!
Last night we decided to take advantage of the FREE Birthday Entree that my husband had received in his e-mail from Moe’s!
If you sign up at Moe’s, they will send you a coupon around the time of your birthday and you get an entree absolutely FREE! Love that!
I have found the Moe’s Kid’s Size entrees are plenty for me & really not much smaller than the regular sized entrees. Plus–they are only $ 3.29 and you get a combo with a small drink and cookie! That brought the entire cost of our meal to $3.55 plus $1 we put in the tip jar! That’s only $4.55 for 2 people to eat dinner! What a deal!
This week we will be going to redeem our FREE coupon at Qdoba Mexican Grill for my husband’s Birthday Entree! They will send you a coupon for a Free meal if you sign up on their website!
Anyone have any other suggestions for great deals, freebies of any kind or FREE meals? Please share them with us!
Posted by M.S. on May 22, 2009
Would it surprise you to know that there is a way you can make your life simpler and easier and you will save money at the same time?
Many people are surprised to learn that they can print postage labels and ship all their packages from their own homes or offices through the US Post Office using FREE supplies provided by them! There are boxes of every shape and size and you can choose as many as you need.
You can order boxes directly from the post office at www.USPS.com and they will deliver them to your home or office FREE of charge!
This is a perfect solution for all your holiday shipping needs or for shipping all the goodies you can sell on eBay or Amazon!
Save time, money and hassles on all your shipping needs–not to mention the gasoline savings thanks to the US Post Office!
You can pay for the postage easily with your PayPal Account and even get discounts on the cost of the shipping. As an added bonus–you will receive FREE Delivery Confirmation when you purchase postage through Paypal! That service costs 65 cents if you get it at the post office!
Sign up for PayPal here!
See how easy it is with this step by step tutorial Print labels and Pay with Paypal.
To make life even easier and to save gas-you can even schedule a pickup with your mail carrier through the USPS.com website. I just leave a note in the mailbox for my mailman and ask him to come to the door.
This is perfect for Work at Home Moms and Dads!
No more standing in line with the kids at the post office!
