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You are here: Home / Archives for 2012

Archives for 2012

Register Review: February 21, 2012 Edition

March 29, 2012 by Tracy

When I started delving into saving more than $2-$5 from coupons at the grocery store, I learned from both the explanation and examples.

Having explained how to get the deep savings, this Register Review feature seeks to show how to see these results week after week.

The first Register Review showcased a Bi-Lo transaction. For this second Register Review, I chose a Publix shopping trip from February 21, 2012.

Last week, I shared how Not All Locations Operate in the Same League. That post stemmed from this shopping trip. After leaving the store that would not honor the coupons that expired during the sales’ week, I went to my favorite Publix location to buy these 9 items for $2.03.

Rain Check

During a previous week’s sale, Mueller’s pasta was on a buy one, get one free sale. Since my Publix sold all their spaghetti noodles during that week, I requested a rain check for 8 boxes. I then kept my coupons in my Publix envelope until the store restocked.

NOTE: Publix rain checks in my area expire one month after issuance. Of course, if the store is still out of the product, the customer service representative will extend the date on the rain check. Check to see if your store’s rain checks expire.

For this transaction, I purchased 8 boxes of Mueller’s spaghetti noodles. Using this rain check, the first 4 boxes cost $0.72 each and the last 4 boxes cost $0.71 each.

Manufacturer Coupons

Coupons for $1 off 2 boxes of Mueller’s pasta were in a Sunday newspaper insert. Having acquired extra inserts, I had 4 coupons to use for this visit. With my Publix store’s coupon policy, I was able to use these coupons on the last day of the sales’ week paired with the rain check.

Besides the Mueller’s coupons, I also used a $.50 off coupon from a Sunday newspaper insert for the Wish Bone dressing. With Publix doubling manufacture coupons up to $.50, I received $1 off the bottle of salad dressing.

Buy One, Get One Free

The Wish Bone dressing was on a buy one, get one free sale that week. I only had one manufacturer coupon and did not need extra bottles of salad dressing, so I bought one bottle at a 50% savings.

My Publix does not require the customer to buy both items to get the buy one, get one free discount. When an item is buy one, get one free, then each bottle is half off the listed price.

The Wish Bone dressing scanned for $1.31, which was $1.30 worth of savings or 50% off.

Combining these Strategies

When I checked out, I followed these steps:

1. Allowed cashier to scan both of my loyalty cards

      • UPromise – Scholarship program
      • Publix Partners – Donates proceeds to our school based on the amount spent on my purchases. (Every bit helps!)

2. Gave the cashier the rain check for the Mueller’s pasta, which he used immediately

3. Watched the cashier scan the 9 items

8 Mueller’s pasta

1 Wish Bone dressing

Subtotal: $7.03

4. Redeemed Manufacturer Coupons

Used four $1 off Mueller’s coupons, which deducted $4

Used one $.50 off Wish Bone dressing coupon, which doubled and took off $1

Total: $2.03

By shopping at the most coupon-friendly Publix and combining a rain check, manufacturer coupons, and buy one, get one free sales, I spent $2.03 for $14.05 of merchandise, which was an 85.5% savings.

Though my family will not survive on 8 boxes of pasta alone, I stocked up on a great sale. After comparing prices, I usually get our staples from Aldi spending about $40 every 2 or 3 weeks to replenish our stock.

This feature will continue as I remember to take pictures of my savings before putting them all away. 🙂 If you are seeing great discounts at 20% or more off the retail price, then consider writing a guest post for Using Time Wisely. I would be honored to publish your savings. Keep practicing because you, too, can see these deep discounts. Happy savings!

Question: What stores in your area double coupons?

Filed Under: Register Review, Food Tagged With: register review

Guest Post: Reducing your Junk Mail

March 28, 2012 by Tracy

Guest Post: Thanksgiving Giveaway

Today, I welcome Jim Wang of Bargaineering.com as he shares how we can reduce the amount of junk mail coming to our mailboxes. Less stuff coming into our homes equals using time wisely doing necessary tasks apart from sorting unsolicited mail. Enjoy!

There’s one thing that most families will do each day, besides eat and sleep, and that’s check their mail. There’s something fun about opening up the mail box and seeing what has arrived, unless it’s a fistful of bills or unsolicited mailings. If you want to save yourself some time, I can share some strategies to cut down on the junk mail you get (the bills are up to you!).

The easiest way to reduce the amount of mail you get, and thus have to open or shred, is to cut down on the junk mail you receive. OptOutPrescreen.com is a site set up as a result of the Fair Credit Reporting Act and it keeps a registry of names that creditors and insurers cannot contact with offers of credit or insurance, unless you initiate it. By signing up, you can opt out permanently or for five years, after which you’ll need to renew again. Signing up for this site has cut down my junk mail significantly because this effectively stops almost all of the unsolicited mailings I would receive.

What OptOutPrescreen.com does not do is prevent mailings from companies with which you have an existing relationship. If you have a Citi credit card, Citibank can still send you offers because that’s an existing relationship. In order to opt out of those mailings, you have to contact the marketing department of each company and ask to be removed from the marketing lists. This will take some time because you will need to call each company individually but it is well worth it.

You can also use a free service like Catalog Choice to opt out of catalogs, coupon mailers, and other large volume mailers. The service will help you find the proper forms to fill out to stop getting useless mailings like your local phone book (who uses these anymore?) and ValuPaks (if you never use those coupon books). In some cases, you can opt out of a service from within Catalog Choice and in other cases you’ll be redirected to the services’ website. I’ve used Catalog Choice to opt out of at least half a dozen mailings.

Finally, if you are still getting a lot of junk mail despite these efforts, the Privacy Rights Clearinghouse has a fantastic fact sheet on junk mail that walks you through specific steps you can take to cut down on your junk mail. They discuss everything from the Direct Marketer’s Association Preference Service to opting out of mailings from your supermarket loyalty card. It’s a fantastic resource.

There’s an extra side benefit of reducing the amount of junk mail you get – you reduce the opportunity for identity theft. Your credit and your identity are two of your most valuable assets in the modern world and keeping both in sterling condition is important, especially if you want to get a loan with a reasonable rate. Maintaining a good credit score and preventing identity theft is much easier when someone can’t just open your mailbox and steal a credit card application you never asked for.

For more financial tips, visit Jim on his personal finance blog, Bargaineering.com.

Question: How bothersome is your junk mail?

Filed Under: Time Management, Miscellaneous Tagged With: Guest Post

2012: Planning a March Madness Party

March 27, 2012 by Tracy

Photograph Credit: NCAA.com

With avid sports fans in our household (ahem . . . Paul and I), our kids get roped into watching, listening, and participating in all sorts of sports-related activities. Before you feel sorry for them, know that they love it!

One activity occurs during March Madness. The brackets get released on the Sunday night before the start of the Men’s NCAA Basketball Tournament that usually tips off on Wednesday. To participate in an on-line fantasy league, you must  select your best guesses before the first tip-off.

Paul helps our children fill out their brackets. Yes, even the 2-year-old gets in on the action. Paul and I then fill out our brackets and take part in at least one private fantasy league. At the moment, yours truly ranks #1 of out 5 in our fantasy league.

Depending on this weekend’s results, I may quickly fall. You see, I selected the Florida Gators to win the championship, and they lost their Sweet Sixteen game. Boo hoo! For those who want to know, they played a great game. However, their shots did not make the bucket during the last 4 minutes, so Louisville came from behind and won.

The game is now down to the Final Four: Louisville, Kentucky, Kansas, and Ohio State. If you are entertaining this weekend and need some basketball-themed ideas, consider these creative ways to enjoy the showdown:

1. Basketball Bash on a Budget

The television station KTVQ reported a few money-saving tips. To save money, energy, and time, ask your guests to bring a snack or dish to share. Consider a fun pot-luck event focused on building relationships and enjoying the game. This link also includes a recipe for a quick and easy 7-layer dip. Yum!

2. How to Throw a Final Four Party

My favorite tip from this ehow.com article is to play a radio in the bathroom. I had to laugh because everyone waits until a commercial or half time to race to the restroom. With continuous coverage available, the bathroom rush may lighten during the peak times. 😉

3. Basketball Party Activities

For all things basketball, the Party Shelf presents invitations, decorations, games, and recipe ideas. To start the party, I love the “Guess Who I Am” game centered on basketball terms.

4. March Madness Munchies

The Food Channel offers 6 snack recipes. The Easy Cheesy Meatball Slammers look delicious. These could also be a great lunch or birthday party option.

5. Final Four Party Ideas

If you are looking for a creative spin on your basketball party, then mLive suggests serving foods that represent each state. The information in the link is from a previous year, but the idea is very creative. Though not for a Final Four party, I might use this idea for a Super Bowl or a World’s Series party. Just thought the idea was fantastic.

Gathering these fun and creative ideas gets my entertaining gene excited. I love highlighting special events, even if the party only includes my family. Celebrating these little adventures keeps the fun going while using time wisely. Happy planning!

Question: For which team are your routing: Louisville, Kentucky, Kansas, or Ohio State?

Filed Under: Event Planning, Coordinating Tagged With: March Madness

Decluttering: Week 4 of Project Simplify – 2012

March 26, 2012 by Tracy

Photograph Credit: Simple Mom

After a busy spring break, we partially returned to a normal schedule.

Between shopping, field trips, and bouts of allergies, we managed to keep our home picked up and relatively clean.

For Week #3’s Project Simplify task, I maintained our home this week. However, I found one area on which to concentrate.

Week #3: Closets, Countertops, and Drawers (oh my)

With most of my closets and drawers clutter-free, clean, and organized, I decided to tackle my kitchen countertops. During busy days, our kitchen counters become the dumping ground. The piles multiply at an alarming rate until the counters are full.

The amazing part is how quickly the transformation takes place. The counter will be neat and clean when I leave the kitchen, and then loaded with stuff on my next visit. As meal time approaches, the counter’s clutter must go. I have learned to schedule a few extra minutes before making dinner to tidy the kitchen.

  

Before                                                               After

Working within a clean and clutter-free environment keeps me using time wisely. Though I prefer that every item that enters our house gets put away immediately, I know that’s not going to happen. The toddler needs her diaper changed, my preschooler wants to play a Wii game, and my son requires a drink refill to quench his thirst. These events take precedence over putting the mail on my desk or the purchases away.

Though the organizing results of my week will not set off fireworks, the daily maintenance keeps my home in order without distracting me from my top priorities. If you participated in this Project Simplify task, then please leave a link to your results or post your pictures in the comments.

Week #4: Choose your own adventure—you pick your most-needed hot spot

With Weeks #1 – 3 complete, Project Simplify officially concludes with Week #4 – Choose your own adventure—you pick your most-needed hot spot.  Find the worst area in your home and tackle it this week.

Though I may not finish, I need to organize our storage closet. If I finish switching my children’s clothing from winter to spring, then I will work on the closet. If I don’t succeed during this week, then I will continue in the week(s) that follow. Just making progress is moving forward. Happy organizing!

Question: What area will you address this week? 

Filed Under: Household, Organizing Tagged With: decluttering

Tax-Favored Programs: Health Savings Account

March 25, 2012 by Tracy

In organizing our important documents, we completed Box 1 and continue working on Box 2.

Having finished the first three categories in our insurance file, we begin category 4: tax-favored programs.

If you have multiple types of tax-favored programs and need more than one file slot, then adjust this system to work for you.

My single file opening houses the following types of documents:

Tax-Favored Programs

  • Health Savings Account
  • Pre-Tax Group Insurance Premium
  • Spending Accounts
    • Medical Spending Account
    • Dependent Care Spending Account

Health Savings Account

Defined

A Health Savings Account (HSA) is a tax-free account used to pay health care expenses. Though Paul and I do not now hold a health savings account, we once did.

We opened our account through Paul’s employer. The designated amount we chose to contribute to this account was automatically deposited during each pay period. We owned the account, and the funds, including interest, accumulated tax-free.

Note: With a HSA, the funds do not have to be spent in the plan year. This means that you can contribute up to the maximum each year and continue accruing interest for years.

After contributing to our HSA and then changing plans, we continued to use the remaining funds in our HSA for our qualified medical expenses. When we exhausted the funds, we closed our account.

Eligibility

To contribute to a HSA, you

    • Must be covered by a high-deductible health plan,
    • Cannot be covered by any other health plan, including Medicare, and
    • Cannot be claimed as a dependent on another person’s tax return.

Documents

When we held our HSA, I kept the following documents in this file opening:

    1. Enrollment paperwork
    2. Annual payroll contribution records
    3. Monthly statements from our financial institution
    4. Copies of the front and back of our Visa debit cards
    5. Correspondence from Paul’s employer and from the financial institution

These documents were paper clipped together and housed in this file opening.

To get another perspective, Jim Wang of bargaineering.com offers a HSA vs. HMO Analysis from the experiences of one of his loyal readers. Jim will be guest posting on Using Time Wisely this Wednesday, March 28, so come back for more valuable information on ways to using your time wisely.

As you continue gathering and filing your important insurance documents, you are using time wisely. Enjoy looking back to admire your progress because you are doing great. Happy organizing!

Question: Do you prefer a HSA, HMO, or PPO? 

Filed Under: Tax-Favored Programs, Document Organization, Box 2 Tagged With: HSA

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