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You are here: Home / Archives for 2012

Archives for 2012

Vacation Recovery . . . Almost

August 27, 2012 by Tracy

Overwhelmed laundry pile

Overwhelmed laundry pileThough we are back from our long and much-needed vacation, I am far from caught up and in my groove. With late nights, late mornings, and naps as needed, I’m not sure I want to fully recover from our vacation routine. 😉

Overcoming the piles of laundry, snagging the last few back-to-school items, and squeezing in those last days of summer fun, I have mixed feelings about this week of vacation recovery. On the one hand, I am ready to get back on a routine as I really. need. my. exercise. time. back. I look forward to keeping the same routine each day and knowing where to fit in exercise, errands, cleaning, homework, and extra activities.

But the flip side of this equation is that our summer fun is coming to a close. Gone are the late nights watching the Olympic athletes strive for gold, the all-day carefree days spent splashing and swimming at the water park, the family outings, summer picnics, and double-header baseball games. In using time wisely, I have maximized the time I have had with my kids this summer. We are not promised today, tomorrow, this school year, or next summer.

Sorting - breaking down into manageable sectionsAs I plan for our new routine (taking effect this week), I choose to enjoy the process. This season of change will have its challenges, but with brand-new school supplies, new teachers, and a fresh start, I’m embracing this up-coming school year.

With no regrets from the summer, I press on. Like the mound of clothes in the laundry pile, the start of this new school year may overwhelm. But by taking the pile and sorting it – breaking it down into manageable chunks – I will find a schedule that works for our family. This is my plan as I emerge from vacation recovery . . . almost.

While you finish your summer or adapt to a new routine, press on without regrets. Make sure the important things get done today while using time wisely.

Question: How is your schedule or routine changing?  

Filed Under: Household, Scheduling Tagged With: schedule, routine, vacation

Social Security: Getting Your Annual Statement

August 26, 2012 by Tracy

Overview of File Box 3In organizing our important documents, we have worked through Box 1 (personal documents) and Box 2 (insurance documents).

With an overview and a show-and-tell of Box 3 complete, I will begin sharing the contents of my file box 3 (retirement and investment documents) starting with the first category – Social Security Documents.

The Social Security Documents category contains the following documents which you may or may not have:

Social Security Documents

      • Annual Statements
      • Identification Cards
      • Photocopies of Identification Cards
      • Copies of checks for paid self-insurance tax

Getting your Annual Statement

If you are 25 years old or older and not receiving Social Security benefits, you should receive your annual statement via the U.S. Postal Service. Per the Social Security Administration’s website, the annual statements are mailed 3 months prior to the worker’s birth month.

Not sure of the accuracy of that information because I receive my Social Security Annual Statement about a month after my birthday. If my statement is mailed 3 months prior to my birth month, then the processing takes a long time, or Pony Express is still alive and well. 🙂

If you have not received your Social Security Annual Statement, you can access it online. Follow this link to the Social Security website. You will need to create an account to verify your identity.

To get your important documents organized to save money, energy, and time, start. You can begin at Box 1, Box 2, or right here as we tackle Box 3 week by week. To guide you along this journey, I will present a project each week to get your important documents organized, accurate, and complete. Are you ready to get organized?

Weekly Project: Get your Social Security Annual Statement.

Find it in your paperwork or obtain it on-line.

Next week, we will continue this journey reviewing your annual statement for accuracy. Keep organizing. I know your schedule is busy, school is back in session, and the paperwork pile remains.

In using time wisely to get your important documents organized you will save money (from paying for documents you already have), energy (searching for documents in a thick pile), and time (moving documents to find the right one). Start where you are, complete the weekly project, and happy organizing!

Question: Which box/file are you organizing? 

Filed Under: Box 3, Social Security Documents, Document Organization Tagged With: social security

Back-to-School: Teacher Gifts

August 25, 2012 by Tracy

The Cat in the Hat theme for K5

Back-to-school Teacher Gifts After receiving a postcard in the mail this afternoon from her teacher, my daughter is getting excited about school. Finally! 😉

With the last few school supplies still needing purchased, I am gearing up for our start next week. One item crossed off my list is Back-to-School Teacher Gifts.

Last week in the Back-to-School free printables post, I promised a show and tell of our teacher gifts. With almost all of these gifts found in the $1 section of Target, I scored two gifts under $25.

In stretching our dollars, I loved the price and the Lorax and Cat in the Hat themes since both my children have Dr. Seuss books on their reading list.

With my son entering 2nd grade and my daughter starting K5, I chose the following items for their teacher gifts:

Dr. Seuss' the Lorax teacher gifts

Dr. Seuss theme for 2nd Grade Teacher Gift

2nd Grade Teacher Gifts – $8

    1. Dr. Seuss’ The Lorax project magnetic notepad
    2. Box of fruit snacks – free after coupon from Bi-Lo survey
    3. Dr. Seuss container
    4. Washable sidewalk chalk
    5. Red ink pad
    6. Blue ink pad
    7. 4-Count rubber stamps: Wow!, Great job!, super star!, and 100%
    8. 1 Rubber stamp: Awesome!
    9. Dr. Seuss’ The Lorax bag
The Cat in the Hat theme for K5

The Cat in the Hat theme for K5 Teacher Gift

K5 Teacher Gifts – $12

    1. 2 Packages of Dr. Seuss certificates
    2. 2 Packages of The Cat in the Hat certificates
    3. 3 Packages double-sided word strips for writing practice
    4. 3 Packages dry-erase markers
    5. Box of fruit snacks – free after coupon from Bi-Lo survey
    6. Dr. Seuss Flash Cards: numbers 1-20
    7. The Cat in the Hat bag

As we continue preparing for a great school year, these teacher gifts show our appreciation while stretching our dollars. My children are looking forward to delivering these goodies to their new teachers.

If school is already in progress, consider a survival kit for the 2nd week of school or the 2nd month of school. My son’s kindergarten teacher loved banana bread, so I would surprise her periodically with a fresh loaf.

Remembering your children’s teachers throughout the year with little appreciative notes or gifts brightens their day. Encouraging your teachers is a great use of your time. Happy new school year!

Question: When did or does school start in your area?

Filed Under: Stretching Your Dollars, School Items Tagged With: gifts, teacher

*EXPIRED* CardStore.com: Free Grandparents’ Day Card

August 24, 2012 by Tracy

Free Card through August 26, 2012
Free Card for Grandparents' Day 2012

Photograph Credit: Cardstore.com

Without Grandparents, Paul and I would burnout. Our parents actively interact with our children and truly help us train and instruct them.

In honor of Grandparents’ Day on September 9, 2012, CardStore.com released promotional code CCK2248 for a free card. I used this promotional code to snag a free Grandparents’ Day card, chose shipping to recipient, and paid nothing.

Free Card Ordering

When I ordered, I chose a photo card, uploaded the selected pictures, personalized the text, and selected checkout. After making my shipping selection (self or recipient) with the correct address, I added promotional code CCK2248 in the promotional code box. My total was $0.00 with free shipping.

Ordering Deadline

This offer is valid until Sunday, August 26. Remember, Grandparents’ Day is September 9. In using time wisely, take 10 minutes to design and order your free card from Cardstore.com today. Happy creating!

Question: What type of card will you create?

Filed Under: Staying at Home, Family Activities Tagged With: photo cards, grandparents' day

Questioning Coupon Policies – Part 1 of 3

August 23, 2012 by Tracy

Questioning Coupon Policies
Questioning Coupon Policies

Photograph Credit: Flickr (Victor Martinez)

When shopping this summer with coupons, I hit three situations where the stores did not want to fully accept valid coupons that aligned with their stated coupon policies.

Now, I am a seasoned coupon-user and not intimidated by store management. But, if I was unsure, new to using coupons, or a shy person, then these situations may not have ended with a positive result.

In an effort to empower you with information to make your case clear, unemotional, and accurate, I will share my three experiences in this three-part series on questioning coupon policies.

Questioning Coupon Polices

Part 1 – Competitor stores

Part 2 – Doubling coupons

Part 3 – Competitor coupons

Part 1 – Competitor Stores

As you know, each grocery store operates differently. Knowing what your store’s policies are for coupons and competitor’s coupons assists in creating grocery lists and maximizing your savings.

Though each grocery store chain has its own coupon policy, each location may interpret the policy differently. In addition to the coupon policy, each location has different competitors. Most stores determine their competitors based on a 1 or 2 mile distance from that location.

Finding your Store’s Competitors

Some stores are kind and post their competitor’s names. My Publix issued a printable notice that indicated that their competitors were Bi-Lo, Whole Foods, Earth Fair, and Food Lion. I picked up a notice and kept it for reference within my Publix coupon envelope.

When Food Lion released a printable coupon for $5 off any $25 purchase, I referred back to the competitor notice. Confirming that Food Lion was a competitor, I put together my Publix deals based on this coupon.

On shopping day, I gathered my savings and went to checkout. Before beginning, I informed the cashier that I had the Food Lion coupon. She creased her face and let me know that they were not accepting these coupons. When I inquired further, she said that Food Lion was no longer a competitor.

Addressing Discrepancies

Since I did not want to hold up the line, I thanked her and asked for a manager. I moved up to customer service and waited.

When the manger came, I explained that I wanted to use the Food Lion coupon. He confirmed that Food Lion was no longer a competitor because they moved their location. Then I pulled out the competitor coupon notice from my envelope. Seeing my notice, the manager indicated that was an old one.

After looking about and not finding a new one, I asked where the new one was located. Well, the manger searched high and low and finally went back to an office to get me a new one. I expressed by disappointment in their change of policy without notifying customers.

The manager brushed off my comments and refused to take my coupon. Since I planned two transactions for a savings of $10 ($5 for each), I rearranged my purchases and made one purchase.

Contacting the Corporate Office

When I got home and gathered my thoughts, I e-mailed Publix’s corporate office and expressed my disappointment with the change of policy without notifying customers.

I explained what I planned to do and how I ended up not saving $10 because the store failed to update their information. The corporate office apologized and sent me a $10 gift card for the trouble.

The results ended up favorable with some work. This first example of questioning coupon polices was the most work I did of the three scenarios I will share. This situation took me a little time, but in using time wisely I received a $10 gift card.

I addressed the issue at the store. When I did not receive a satisfactory response, I left and contacted the corporate office. Within 2 weeks, my Publix had a new notice displayed with their current competitors. Seeing the issue corrected not only helps me, but also other customers to save money, energy, and time.

In shopping at your grocery store and getting a coupon denied that you know is valid, take courage and address it. Even if the cashier says no, you can ask for a manager. Stay calm, and if the manager will not take your coupon and you know that you can use that coupon, then leave the store and contact the corporate office.

Your time is valuable. In using time wisely, know your store. When there is a discrepancy, stay calm while questioning coupon policies. Happy savings!

Question: Do you question store employees when they deny a coupon? 

Filed Under: Coupons, Grocery Shopping, Food

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