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Money Tips

4 Easy Ways to Cut Your Monthly Expenses Finances / Money Tips / Ways To Save Money

4 easy ways to cut monthly expensesWays to Cut Your Monthly Expenses

If you feel like there’s never enough money to get ahead at the end of the month, you’re not alone. According to a survey by CareerBuilder, 78 percent of U.S. workers live paycheck to paycheck to make ends meet. Meanwhile, Gallup found that only one in three Americans actually keep a detailed budget.

Instead of facing these statistics as your new sobering reality, you can change your financial future by deciding to put a stop to paycheck-to-paycheck living and create a thoroughly detailed budget that tracks every penny. Once you see where your money is going, it’s time to find unique ways to cut your monthly expenses so you can allocate more money to growing your financial future. And when you find ways to save $10, $20 or even hundreds of dollars a month, you can’t help but look for more ways to keep trimming your expenses. Here’s how you can get started.

Get Strategic with Your Smartphone

If you suspect you’re paying too much for your smartphone bill, you’re in good company. According to Pew Research, 29 percent of smartphone users spend $100 or less on their plans. But there are ways to maximize your smartphone by getting strategic with it.

For starters, cut your landline in favor of using your smartphone; you can even set up a dedicated business number with a service like Google Voice. You can also reduce your smartphone expenses by choosing a cutting-edge and affordable option like the Galaxy Note 3 with an unlimited plan that doesn’t tack on extra fees, which means your phone can be used to handle both business and personal tasks without worrying about high data usage.

Get Rid of Cable

More consumers are realizing choosing from hundreds of cable channels is expensive and overwhelming. Instead,  become a cord cutter and opt to stream your favorite shows and movies directly to your TV by using an Amazon Firestick. You can still get the media you love watching from Netflix, Hulu and other apps without the skyrocketing cable costs.

Trade in Your Car

Your car payment is probably unnecessarily eating up valuable resources from your budget every month. According to a recent Edmund’s analysis, the average car payment is $483. Instead of allocating nearly $500 to just your car payment in addition to maintenance and insurance, consider trading in your car and paying off the balance and ditching the payment altogether. A reliable used vehicle to get from point A to B can put more money in your wallet without compromising on safety. But if you live in an urban area, you can also opt-out of car ownership and rely on Zipcar, Uber and Lyft to get you to where you need to go without the hassles and financial burden of owning a car. It’s true car seats can be an issue if you have children, but Uber and Lyft offer car seat options in some cities. And when your children are old enough and meet the age and weight requirements, you can invest in portable booster seats that fold as you go.

Shop Smarter

It’s easy to go on autopilot when we’re shopping for groceries or household items online. However, it is entirely possible to shop smarter and maximize our budget with or without coupons.For starters, look for discount grocers in your area including Aldi’s or Walmart. If you find you have a hard time impulse shopping at the grocery store, sign up up for Amazon Fresh and carefully comb through items to stick to your grocery list. You can also buy household items at stores like Aldi’s, or buy them from Amazon’s Warehouse section to select gently used or opened items at a discount.

Just remember that cutting your monthly expenses should be liberating and not a source of tension and drudgery. Start by cutting what you can without feeling the burn and then slowly build up the momentum to attack other areas of your budget. You’re likely to find that the financial freedom you gain outweighs the sacrifice of making those cuts.

5 Ways to Celebrate a Baby Shower on a Budget! Finances / Money Tips / Ways To Save Money

Baby Shower on a Budget


5 Ways to Celebrate a Baby Shower on a Budget

One of the best parts about having friends or family that is pregnant is the excuse to have a baby shower!  It allows you to give the expectant mother a bit of pampering while giving her a few presents to help out when the baby arrives.

There have been a few celebrity baby showers on the television, but you don’t need to go to the expensive lengths that they do. All you need is a little imagination, and you can create a beautiful baby shower.


In most cases, baby showers are small affairs with just a select few friends and family invited. This means you won’t need to rent out a large hall for the event. Rather than go to a restaurant that can get expensive, why not hold the baby shower at your home?

The more friendly and intimate environment of your home will make it all feel relaxed, plus, you can stay and chat for as long as you wish.

Baby Shower on a Budget


Your invitations don’t have to be expensive to be elegant and beautiful. There are many sites that offer free printable baby shower invitations, such as Adobe Spark. You want to make sure that all the information about the shower is on there before you print them.

You could even send your invitations electronically. It will save you a lot of money on ink and paper, and you can still send it to people whose address you might not know.


Decorations are another area where you can be as creative as you wish. There are many bargain stores that will sell bunting and other party materials that you can use to decorate the room.

If you are struggling for inspiration, ask your friends to help you with designing and making the decorations. Not only will it be helpful, but it can also be a lot of fun.


The food you serve at the baby shower depends on the feel you want to have. If you are looking to make a formal dinner, then you will need to think of dishes that will be acceptable to everyone.

It might be far easier and more relaxing to offer finger foods and snacks that people can pick at during the shower. You can ask other attendees to help make a few things to bring along, or you can invite them round the day before to help.

Baby Shower on A Budget- Games


To make it an, even more, fun and friendly event, you can organize some party games. As the winner might not always be the mum-to-be, you should offer prizes that will suit everyone. There are many great ideas on the internet for inexpensive baby shower party games that are imaginative and fun.

With these little ideas, you can quickly come up with a great baby shower event that everyone will enjoy. Make it exciting and relaxing for the mum-to-me and ensure you make a list of everything you need to do so that nothing gets missed and then you can avoid a last-minute rush.


Hopefully these 5 ways to celebrate a baby shower on a budget helps you and your friends and family have a great party AND save money! We share numerous ways to save money everyday! Make sure to take a look at our other ideas for saving money here!

Never miss a deal or way to save money for your household ~~get them delivered directly to your inbox here!



ATTN: EXPECTING MOMS!! Exclusive opportunity to be part of Mattel Fisher Price Moms community & Earn Amazon Gift Cards for your participation- space is limited Baby / Deals / Earn Money / Resources / Reviews / Topics

This is a sponsored post. I received a promotional item as a thank you for my participation.

Fisher Price Mattel Expecting Moms

You can be part of the Mattel Fisher Price Moms Community if you are an expecting mom! Share your opinions with other moms plus earn rewards and gift cards!

Are you currently expecting?

Join other expecting Moms in a private online community to discuss the joys and challenges of motherhood, as well as advise Mattel Fisher Price about their toys and games! Living in Orchard Park, NY most of my life, I am very familiar with Fisher Price as one of their locations is right here in East Aurora, NY. Fisher Price has always provided great toys and games and they have a reputation for listening to their customers opinions.

Fisher Price cares about what Moms have to say when it comes to expecting a new baby. They rely on their exclusive group of over 300 Moms to help them gain a greater understanding of the lifestyle and needs of their consumers as it relates back to the world of play. This is an open invitation to you!

It sounds like so much fun! You can give advice on some of the most popular brands in the market place such as:

Fisher Price Best Brands

If you want to impact the future products your new coming child will use, sign up here to interact with other expecting moms, answer surveys, participate in discussions and more. Just think, your answers will help shape the future of Fisher Price!  You will also lend a hand to and inspire other pregnant Moms like you going through the same journey. Sharing your opinions will also help earn you rewards each month, as well as fun prizes along the way!

When it comes to rewards, in addition to the opportunity to impact the brand, members will receive a $5 Amazon gift code just for joining and an additional $10 Amazon gift code each month for their participation.


Spots are limited, so be sure to sign up today – the community is currently letting in just over 100 new members! See if you qualify here


Topic: Expecting Moms Fisher Price Online Community

Checkout51 Cashback Sneak Peek offers Thurs April 14th:  Halls, Huggies, Scott, French’s, Venus Razors, Cottonelle & more Cash Back Sites / checkout51 / Coupons / Earn Money / Resources

checkout51 sneak peek offers April 14

See this weeks Checkout51 Sneak Peek offers Thurs April 14:  Earn Cash back on groceries!

Checkout 51 is a similar app to Ibotta, where you buy a product that has a special offer, upload receipt proving you bought it and get cash back!

Checkout 51 has new offers every week beginning on Thursdays at 12:00 am. It’s this easy to earn cash back! Please note…different regions have different offers. If you are not familiar with Checkout51, make sure to check out our post here– > 

And great do not need a can upload the receipts via your computer instead of the smartphone app!

The beauty of Checkout 51 is you can even earn cash back on purchases at Aldi and places like Big Lots where the store does not accept coupons!

Checkout 51 is free and allows you to save even more money without cutting coupons!

Here is this weeks Checkout51 Sneak Peek

New offers will go live at 12:00 AM April 14, 2016, and expire at 11:59 PM April 20, 2016. Members must buy the products in the United States and submit the receipts while the offers are live.

Buy 2: HALLS Bags
Offer valid on any single bag of HALLS drops, 17ct. or larger. Items must appear on the same receipt.
Cash back $1.00

At Walmart: Boogie Wipes Natural Saline Wipes
Excludes 10 ct and 12 ct.
Cash back $1.00

Blue Dragon products
Any variety.
Cash back $0.50

Venus® Disposable Razor
Any Venus® Disposable Razor variety 2 ct or larger.
Cash back $1.00

Venus® Razors
Any Venus® razors excluding disposables.
Cash back $1.50

Venus® Refills
Any variety of 4 ct or larger.
Cash back $4.00

HOUSE OF TSANG® Sauce or Oil products
Any variety.
Cash back $1.00

Gluten Cutter™
30 capsules.
Cash back $3.00

At Walmart: Dr. Scholl’s® Custom Fit® Orthotics
Any Dr Scholls Custom Fit Orthotic. Excludes all other Dr. Scholl’s® products.
Cash back $5.00

Buy 2: Go Paks
Any Nabisco variety. Items must appear on the same receipt.
Cash back $1.00

Any variety. Items must appear on the same receipt.
Cash back $1.00

The Wall Street Journal 
Valid on US, single newsstand copies only. Excludes The Wall Street Journal Weekend edition. Receipts that only contain payment info are not valid. Be sure to request an itemized receipt (product name and price).
Cash back $1.50

At Target: Selsun Blue® Dandruff Shampoo 
Any variety. Excludes trial and travel sizes, gift, bonus, or value packs.
Cash back $2.00

Select Woolite® Carpet or Upholstery Cleaner 
Any variety. Excludes Woolite® Machine Formulas 32 oz and higher.
Cash back $1.00

French’s Mustard
Any variety.
Cash back $0.50

French’s Ketchup
Any variety.
Cash back $1.00

Core Power® High Protein Milk Shakes
Any variety.
Cash back $1.00

Febreze In Wash Odor Eliminator™
50 fl oz bottle. Excludes trial and travel sizes and gift, bonus, or value packs.
Cash back $1.00

Kandoo® Flushable Cleansing Wipes
Any variety. Excludes 42 ct, 48 ct, trial and travel sizes, gift, bonus, or value packs.
Cash back $0.50

Buy 2: BUSH’S Cocina Latina® products
Any variety. Excludes all other Bush’s® products. Items must appear on the same receipt.
Cash back $1.00

30 ct or larger.
Cash back $1.00

HUGGIES® Overnites Diapers
24 ct or larger.
Cash back $1.00

HUGGIES® Snug & Dry Diapers
29 ct or larger.
Cash back $1.00

14 ct or larger.
Cash back $1.00

180 ct or larger.
Cash back $1.00

PULL-UPS® Training Pants
20 ct or larger.
Cash back $1.00

9 ct.
Cash back $1.00

GOODNITES® Bedtime Pants
14 ct or larger.
Cash back $1.00

POISE® Pads, Liners or Bladder Supports
Any variety. Excluding 14 – 26 count Liners or 10 count Pads.
Cash back $2.00

SCOTT® bath tissue
8 rolls or higher, any variety.
Cash back $1.00

COTTONELLE® Cleansing Cloths
168 ct refill pack.
Cash back $1.00

At Sam’s Club: COTTONELLE® Cleansing Cloths
462 ct.
Cash back $2.00

COTTONELLE® toilet paper
6 rolls or higher, any variety.
Cash back $0.55

Buy 2: KLEENEX® Tissues
50 count box or larger. Excludes multi-packs. Items must appear on the same receipt.
Cash back $0.50

U by KOTEX® SLEEK® Tampons
Any variety. Excludes all other U by KOTEX® products, trial and travel sizes, gift, bonus, or value packs.
Cash back $1.00

Select U by KOTEX® products
Any variety. Excludes Liners 14 – 22 ct, U by KOTEX® SLEEK® Tampons, trial and travel sizes, gift, bonus, or value packs.
Cash back $1.00

SCOTT® Tube Free bath tissue
9 rolls or higher.
Cash back $1.00

Make sure to sign up for Checkout51 here!!

How much easier can it be to save everyday?

Join our Facebook Groups to see more deals like these:

Couponing to Cut Your Grocery Bill
Tops Markets Hottest Deals
Wegmans Coupons & Deals Facebook Group
Couponing at CVS, Walgreens and RiteAid

Couponing at Walmart, Target and Kmart

Sears and Kmart Steals & Deals

Printable CouponsForFree FB Group Facebook Group
Freebies, Cheap Deals, Giveaways and Sweeps
Extreme Couponing Nationwide Deals

Hot Online Deals

Topic: Checkout51 Cashback Sneak Peek offers Thurs April 14th




Get 2 FREE Purex Scent Crystals or 3 for $.33 each!! Earn Money / How To Shop for Free / Kmart / National Stores / Resources / Reward Point Programs / Shop Your Way Rewards / StockUp Deals / Stores

free purex scent crystals

Get 2 FREE Purex Scent Crystals at Kmart this week!

The easiest way to save money on your grocery and household budget is to fill in your weekly shopping trips with items that you can get free or less than $1 matching store sales and coupons!

How to get the best values and deals at Kmart:

  1. Become a Shop Your Way member here and choose me as your personal shopper. You must be a Shop Your Way member to use the Member sale price coupon in this freebie deal.  As your personal shopper I can help you find gifts, deals, share exclusive promotions, send you weekly coupons AND you can contact me directly through text and emails to help you shop!! Plus you’ll get 3 months of FREE SYWR Max Shipping if you are a new Shop Your Way member!
  2. Using your Shop Your Way Rewards Card: If shopping online make sure your member number is in your order. Must be scanned to get most deals/rewards at Kmart In store. Every 1,000 points is worth $1.00. These are easy to redeem – when you are checking out just say you’d like to pay with the rewards you have on your card. You do not have to use your points if you want to save them up


Here’s the Free Purex Crystals Kmart deal for Shop Your Way Rewards Members 2/14-2/20.

Make sure your Shop Your Way account is linked to your SavingStar account here and you load the Purex Crystals offer before shopping.

Deal #1

Buy (2) Purex Scent Crystals 18 oz. 2.99=$5.98
Use (1) $1.99 Kmart Store Coupon found in-ad or in Shop Your Way App= less $2 (will save $1 on each)
Use $2/2 Purex Scent Crystals printable coupon= less $2
Pay at Register= $1.98 for 2
Load Savingstar offer before shopping here— get $2 back via SavingStar
Net cost= 2 for FREE 

Deal #2

Buy (3) Purex Scent Crystals 18 oz. $2.99= $8.97
Use (1) $1.99 Kmart Store Coupon found in-ad or in Shop Your Way App = less $3 (will save $1 x 3)
Use (1) B2G1 Purex Crystals In-Wash Fragrance Booster – 2-14-16 RP; Excludes Scentsplash; Limit of 4 Like Coupons In Same Shopping Trip (exp 02/21/16) = less $2.99
Pay at Register= $2.98
Load Savingstar offer before shopping here— get $2 back via SavingStar
Final Cost= $.98 for 3= $.33 each!!


Make sure to check out the full list of Kmart Coupon Matchups here and see all of our Kmart Online Deal Posts here!!

Do you like this deal?

Join our Groups for even more :

Sears & Kmart Steals and Deals
Couponing at Walmart, Target and Kmart
Couponing at CVS, Walgreens and Rite Aid

Couponing to Cut Your Grocery bill
Couponing the Dollar Stores
Printable Coupons For Free
Tops Markets Hottest Deals
Wegmans Coupons and Deals
Extreme Couponing National Deals
Hot Online Deals
Freebies, Cheap Deals, Giveaways and Sweeps
Simple Living Tips

Topic: Free Purex Scent Crystals at Kmart

3 Simple Ways to Save Money and Time Amazon Deals / Coupon Education / Coupons / Deals / Get Organized / Living On Less / Resources / Reward Point Programs / Shop Your Way Rewards / Topics / Ways To Save Money

3 ways to save money & time

Knowing when and where to buy items is the secret to save money & time !!

Everyday I have people asking me how I save money on the limited time schedule I have with working full time and running the sites. Hopefully this post will give you the insight to get on track to doing the same for your household!! Of course I cannot cover every item in this post, but I can give you an overview to simplify your life and help you save money and time by just explaining what I do.

I basically shop 3 ways for every purchase I make: 1) ONLINE 2) WITH COUPONS 3) LOCAL & WAREHOUSE

I only have so much time to get to stores so I utilize online shopping and pick up at store options whenever the prices are comparable. I also keep a list in my planner of household items I need to buy. Not the same as my grocery list but items such as linens, gifts, clothing, shoes, pots & pans, tools, decorative items, hardware items, and really any item I think of that I need or want. This stops me from running to the store and impulse buying, it also allows me to price compare AND it saves gas and time physically going there. Here is my list for January. I wont necessarily buy all of them right away, but I do review it weekly.

Want to Buy List to Save Money and Time

We offer Personal Shopper services here that can help you buy items on your “to buy” list so make sure to sign up here!

1) Shop Online:

I am an avid online shopper at Shop Your Way and Amazon. . Both options give me low pricing and 2 day free shipping when subscribed. Items I can buy with a coupon I do not usually buy here. Items I buy here are items on my TO BUY list. I always check Shop Your Way first as I get free points for everything I buy, being part of their birthday and moving groups, by playing sweeps and tons of other ways plus they issue SURPRISE POINTS which are like free cash! I do price check the item before buying and see if it would be less expensive on Amazon. In my opinion it is best to have BOTH services to save the most money and time!


Shop Your Way Max


Shop Your Way Max
2 day free shipping from Sears & Kmart and free standard shipping from any Marketplace partners for $39 per year for Shop Your Way Members.  Become a SYW member and choose me as your personal shopper here and you will receive a free trial (if you have not chosen a personal shopper in past). The personal shopper services are always free with no credit card info or obligation and I have yet to have to buy the Shop Your Way Max service for $39. Shop Your Way has been extending my membership for free. This is not a guarantee but is a great service for $39 let alone possibly FREE!!! Shop Your Way Max members also earn points back on there purchases plus get exclusive discount offers! Just a few items I bought this year were a Gas Grill for $69, Rachel Ray Dish set $25, Fit Bit Flex $58, numerous clothes, linens free after points and only a few of them were pick up at store only deals. Oh and by the way, they even have delivery service right ti your car with the Shop Your Way App if picking up at store!

Shop Your Way is also affiliated with many other brands and stores, so you can buy through Shop Your Way and still earn points with your purchases at Target, Walmart, Best Buy and tons more!

We publish Sears, Kmart and Shop Your Way Deals everyday here. To make sure you don’t miss one, make sure to join our Facebook group of Bloggers that are posting deals, savings and points offers everyday here– Sears & Kmart Steals and Deals

– 2 day free shipping, online movies, borrow Kindle books, free photo storage and music streaming 
for $99 per year. You can try the Amazon service for free also however, unlike Shop Your Way, you will get billed once your free trial is over. I buy all of my Coffee K Cups there, along with many miscellaneous items such as I rent my son’s college books from there, jewelry and clothing deals, I even bought our mini refrigerator there last year as it was $229 compared to $449 at a local Lowes store. I also bought my vanity mirror, nightstand and vanity stool from there at half the cost of other places and I didn’t pay a cent for shipping and it was here in 2 days.  There is also a special program for Amazon Students to get a 6 month free trial and then Amazon Prime for 50% off ($49) — you can sign up for the Student service here.

We post Amazon and other online deals everyday here or join our Hot Online Deals Facebook group where multiple bloggers are sharing deals all day long!

Other Online purchases

Sometimes I am forced to buy other brands or stores not available through Shop Your Way and Amazon, and when I have to do that, I buy through and earn cash back on those store purchases and use online coupon codes from or

2) Use Coupons:

This is what everyone sees me post about the most, but it is actually what I do the least lately! Matching sales with coupons and only buying those items will save you a ton at the grocery store! We have a great stockpile of the things we use everyday so I have not had to do major shopping hauls to fill my pantry or linen closets. I also do not plan my meals and then go get what I need for them. I do the opposite, I plan my meals from my freezer or pantry. A BIG DIFFERENCE!! My husband and I have some controversy here sometimes as he wants a certain thing for dinner and we may not have the items. When you have to go buy those items you will almost always pay full price.

As for health and beauty items, only sometimes do I run out of things like Bandaids etc. Very rarely do I run out of toothpaste, shampoo, toilet paper etc. I try to keep an inventory list of items I have on hand. Here is an inventory list you can use for a 6 week cycle so you can judge when you think it will go back on sale and how much your family uses to know how much to buy when on sale.
So what you really need to know about coupon shopping is still WHAT-WHEN-WHERE to save the most money

WHAT– You have to know what you have and what you need. You can download the CouponsForYourFamily Pantry/Freezer Spreadsheet to your computer here. Click file and then download

WHEN– Its best to know what time of the year its best to buy certain products. The fall is known for the lowest baking product prices, March is always frozen food month etc.

Use our Best Time to Buy Monthly Guide to Retail & Grocery Sales here to help you to know when products are usually the best prices for both grocery and retail items.

Month to Month guide to Best time to Buy


WHERE– My suggestion to new coupon shoppers or those looking to save money, is to shop at Dollar Tree for freebies and then your local grocery store for other items you need to fill your pantry and linen closets. While the drugstores are a great place to get free items, you need to go back there weekly to use the Store points and coupons. If you have time to do that then by all means, do it!! I love to shop the drugstores, I just need to retire from one of my jobs to do that! Otherwise, shopping fewer stores and following our guidance and coupon matchups will still ge tyou on track to saving.

Here is where I shop with coupons and it is not every week.

Dollar Tree

I also love Target, but I get very tempted to spend extra dollars there so I try to stay away!

Find your local grocery stores on our Store Page here to see weekly sales matched with coupons.
You can also join our Couponing to Cut your Grocery Bill group here to see all the grocery deals we post

3) Warehouse & Local:

It is usually wise to check your local butchers and Restaurant Depots to see if they have bulk meat purchases. I was just able to get chicken at $1.29 lb at Restaurant Depot when you buy 40lbs. My local Hoelscher Meat Market also has chicken for $1.39lb. Compare that to Tops price at $1.88lb this week. The men in my family also hunt, so our freezer is always full of Venison roasts & steaks, Venison Hot Dogs and Venison Sausage so I only have to buy Chicken, Ground Beef and pork.  I have also purchased half cows/half pigs to fill our freezer with meat from local farmers.

  • I shop Aldi for eggs, milk, produce if there aren’t any good sales at my local grocery stores Tops and Wegmans. Their everyday produce and bread prices are much lower than the local grocery stores. If the prices are close that week , then I just shop my normal grocery store.
  • Aldi stores are national and we do provide the WNY Aldi Sale list here. Aldi does not take coupons but you can use Cash Back apps to save more.
  • In the summer, I prefer to buy at local farmers markets for fresh in season produce.


The Results

By following some of these guidelines, you should be able to save money in half the time that an Extreme Couponer does! Time is money and life is short. All of us want to save as much as we can and knowing WHAT-WHEN-WHERE to buy is the first step to cutting your bills.

Join our Facebook Groups to save more everyday!

Couponing to Cut Your Grocery Bill
Couponing at CVS, Walgreens and RiteAid

Couponing at Walmart, Target and Kmart

Sears and Kmart Steals & Deals
Couponing at Tops Markets
Wegmans Facebook Group
Printable Coupons For Free FB Group Facebook Group
NEW- Freebies, Cheap Deals, Giveaways and Sweeps
NEW- Simple Living Tips: Organizing, Recipes, DIY, Crafts & more
Extreme Couponing Nationwide Deals

Hot Online Deals

Topic: 3 Simple Ways to Save Money and Time

Whens the Best Time to Buy : A Month to Month Guide to Retail & Grocery Sale Cycles Coupon Education / Coupons / Free Printables for Home / Get Organized / Home & Style / Resources / Topics / Ways To Save Money

Month to Month guide to Best time to Buy

Print this awesome Monthly Guide of Best Time to Buy just about anything!

When is the best time to buy a car, or the best time to buy tv, or the best time to buy frozen foods or the best time to buy a laptop? It is proven fact that certain times of the year are better times than others to buy certain products.  Whether the reason is for seasonal sales cycles or whether its based on supply and demand or even your weather for produce, there are certain times of the year better than others, for you to buy certain products.


Many of these are based on preparing for the next season, such as cars. Its always better to buy a car in the fall because dealers are making room for the new year models on their lots. Many of the grocery items are based around holidays or events like the super bowl so many times these items are plentiful OR the manufacturers such as Pepsi run large promotions so the prices are lower. Whereas sometimes, the demand is so high such as Chocolate for Valentines Day, that the price is not lower right before the holiday.


I have put together data based on my professional sales experiences and knowledge from reading and blogging over the years that should help us all make better buying decisions. I added both Grocery and Retail into one easy document for you to use as an easy reference to peek at when looking to stock up on groceries or to buy a car! As always this document is just to be used as guidance for your buying purposes to help you save a buck! There will be times when these items are priced lower not according to these cycles.


Combining this information in our Best Time to Buy Guide, along with coupons will help you determine when to stock up on grocery items!Seasonal Produce is a very important item to buying but I could not fit the documentation into the one page document. I will save that for another post in the near future!


You can print a PDF of the Best Time to Buy Monthly guide here–>A Month to Month Guide to Retail & Grocery Sale Cycles



The best time to buy


We try to base our posts and deals shared around these times and we will be fine tuning it even more in the future! If you would like help in shopping for items, we also offer Personal Shopper Services thru the Shop Your Way Program here. This program is free to you and gives you direct access to me where I can share my 30 yrs of experience in the sales world along with 7 yrs of Frugal Blogging and Couponing!


Join our Facebook Groups for more specific store deals and guidance:

Couponing to Cut Your Grocery Bill
Couponing at CVS, Walgreens and RiteAid

Couponing at Walmart, Target and Kmart

Sears and Kmart Steals & Deals
Tops Markets Hottest Deals
Wegmans Facebook Group
Printable Coupons For Free FB Group Facebook Group
NEW- Freebies, Cheap Deals, Giveaways and Sweeps
NEW- Simple Living Tips: Organizing, Recipes, DIY, Crafts & more
Extreme Couponing Nationwide Deals

Hot Online 

Topic: Best Time to Buy A Month to Month Guide to Retail and Grocery Sale Cycles

Six Tips to Maximize Your Grocery Store Budget Coupon Education / Coupons / Cut Your Grocery Bill In Half / Get Organized / Living On Less / Topics / Ways To Save Money

Six Tips to Maximize Your Grocery Store Budget

Six Tips to Maximize Your Grocery Store Budget

Most of us can relate to trying to cut corners. If we don’t, it won’t take long for savings to dwindle and debt to pile up. One of the best and easiest ways to save cash is through our grocery store budget. For some, cutting the grocery bill means eating lean and not having the things they want. The truth is, that is usually not necessary at all.

You can eat well and still stick to a reasonable budget. The key is knowing where you can cut corners and make the biggest difference.

Here are six things you can do right now that will trim your grocery budget and still allow for decent meals for your family:

#1- Work from a List

Having a list in the grocery store might seem rather silly. Some of us have great memories, right? The truth is, having a list has nothing to do with your memory in most cases. Having a list will keep you focused on the things you are actually there for. We can’t aimlessly wander the grocery store and expect our budgets to stay in check. There are too many Baby Ruth candy bars and other such landmines. Eliminate impulse purchases and you will see your budget start to loosen up.

Coupon Mom

Favado: Best Grocery List App

I use Favado Grocery List SmartPhone App for my list. You can add your own items, search for best price and even use coupons that are listed to save more. And the best part is that is FREE!!  Sign up for the Favado Grocery List App here with your email so you get the your regional offers. Once you are signed up, then download the app on your smartphone and sign in and start making your list!

#2- Plan Your Meals

Menu planning is all the rage and for good reason….it saves you money. The basics are logical. You plan every meal and shop accordingly. Then you use the leftovers for snacks, lunches and so on. This leaves no waste, you use what you have and your budget stays nice and trim.
Get our Free menu planner here.

#3- Work Leftovers Into The Budget

Leftovers are a huge part of any good grocery budget in that you work them into your cooking plan. Even if you are not going to menu plan all the way (why not?) you can still use leftovers on a regular basis. When you make a meal and have some leftovers, plan a meal immediately to utilize them. When you meal plan, put these leftovers in your plan! For example, when I make meatloaf, I make sure to have on hand all ingredients for chili to use the left over meatloaf during the week.  Your grocery store budget will thank you!

#4- Stock Up On Sale Items That Are Non-Perishable

We are generally good as a society about grabbing things that are on sale. That said, we are not very good at getting items we actually need. Sale prices on items we are not going to use are just bad choices. The same goes for items that will go bad before they can be used. For this reason, focus your bulk purchasing for items that are non-perishable or that will be used quickly. To make this easier, find the store you shop at on our Store Deals page and use our coupon matchups to help you stock up on the non-perishable items.

#5- Don’t Become a Store Snob for your grocery store budget’s sake!

Are you one of those folks that will only shop at one store? If so, your loyalty rules! Unfortunately your budget is bearing the weight of your dedication. Shopping around is the number one way to ensure you save money at the grocery store. No one store can be the cheapest on every single item. If you plan things out the right way, you can hit different places for different things and make it worth your while. I shop approximately 5 stores per month. I do not have time to hit all every week, but I do make sure I shop multiple stores to get as many freebies and deals I can to fill my pantry and household and beauty closets so I never have to pay full price for them.

#6- Cut Coupons and Follow Sales – my favorite 😉

You hear it all the time, but coupons and sales prices are simply free money. With the amount of stores we cover and all of the other sites on the web, you can save a fortune if you learn how to properly coupon. Spend some time cutting coupons even if they are only on the items you buy all the time. You can get started right here with us. Check out these 10 tips to save 50% with coupons to get rolling!

Join our online Facebook Groups to help you save evenmore and never miss a deal:

Couponing to Cut Your Grocery Bill
Couponing at CVS, Walgreens and RiteAid

Couponing at Walmart, Target and Kmart

Sears and Kmart Steals & Deals
Tops Markets Hottest Deals
Wegmans Facebook Group
Printable CouponsForFree FB Group Facebook Group
NEW- Freebies, Cheap Deals, Giveaways and Sweeps
Extreme Couponing Nationwide Deals

Hot Online Deals
Simple Living, Recipes, DIY and more!

Grocery store budgeting doesn’t have to be hard. Simply take the time to implement these six things into your grocery store budget routine and you will find yourself saving right away!


Cut your grocery store budget in half with the above six simple steps!

Financial Renovation: Create your 2016 Financial Budget with this FREE 4 video mini-course! Limited Time- Get yours TODAY Finances / Get Organized / Living On Less / Reducing Your " Must Have" Expenses / Resources / Topics

The Financial Renovation Budget Series

Start off 2016 the right way by taking control of your Financial Budget with this Free 4 Video Mini Course, The Financial Renovation!

Are you in debt or maybe you just want help planning and sticking to a budget?  I think everyone can use some help when it comes to planning a financial budget. I have an accounting degree and I have my own 5 year plan to be out of debt, but I will also be signing up for the Financial Renovation to see how many more tips and tricks I can learn! Courses such as the The Financial Renovation not only can help you start a budget from scratch but can also help keep yourself on track with your existing budget to help your and your family gain financial stability!

Lauren from I am That Lady, has been on Dr Oz, the Today show and many other media outlets helping people with strengthening their finances over the last 5 years and now she is offering this FREE 4 video mini-course to help you get started too!
This FREE 4 video mini-course will walk you through how to completely renovate your finances in 2016!

This free e-course is for you if:
You want to learn how to budget and stick to it.
You want to save more money on your bills.
You want to learn how to get your spouse on board with your finances.
You feel like you are stuck and don’t know where to turn.
You want to get out of debt.
or… you just want a refresher on your financial health.

Lauren also gives you an opportunity to go much deeper into learning how to get financial freedom in 2016.

  • Video #1  HOW TO START A BUDGET (available now)
  • Video #2  HOW TO STICK TO A BUDGET WHEN THEY HAVE FAILED IN PAST (available Monday Jan 4)
  • Video #3  A COMPLETE FINANCIAL BLUEPRINT FOR 2016 (available Thurs Jan 7)

This course will begin on January 1st and go until January 6th. I hope you will join us this year. If you are interested in taking the Finanacial Renovation Free 4 video mini course, you can sign up here


Don’t forget to check out our last years 30 day Budget Bootcamp here also!!

30 Day Budget bootcamp


Topic: Create your 2016 Financial budget with the Financial Renovation

Save Your Budget with a Spending Freeze Finances / Living On Less / Online Savings Articles / Resources / Ways To Save Money

Spending Freeze

Save your Budget with a Spending Freeze to jump start it in the right direction!

No lie, if I was having problems meeting the needs of my budget/paying my bills, I would bring on an immediate Spending Freeze! I would eat soup or baked potatoes and cut every expenditure out until I could get back on track! I don’t know why I am like that, but might be because both of my grandmothers lived through the depression or because both of my parents were raised that way? I need very little to live on BUT my family, on the other hand, does not share my way of thinking! That is one of my goals this year, is to get them on track with me. If you are concerned about budgeting and getting on the right track for the New Year, you may want to start a Spending Freeze of your own to get your budget in line!

What’s a spending freeze?

A spending freeze is basically a period of time during which you stop or “freeze” your spending.

However, the majority of people can’t spend absolutely no money for two weeks. You’ll still have to use things that will eventually cost you money such as your electricity, water and vehicle. And you’ll still have to get the necessity items that you haven’t stocked up on from our money saving Coupon Matchups such as fresh product and milk, etc. But for the most part, if you have a stockpile of deals in your pantry, freezer and linen closets, you would be surprised how little you will spend!!

But for a period of two weeks (or whatever other interval you choose), you won’t actively spend any money on other things such as going out, buying unnecessary things, etc. A spending freeze can be an amazing way to re-evaluate financial priorities, appreciate what you have and boost your savings account.

Here’s how to start a two-week spending freeze:

  1. Have a destination for your Savings: Whether your funds will go to an emergency fund, toward a debt payment or a large necessary expenditure, make sure to have a place for it to go so you do not spend frivolously!
  2. Look through your freezer, fridge and pantry. As I mentioned, if you follow our site, you should have a good stock up of items and can plan meals for the two weeks, and stock up on what you’ll need to make them. You could set aside a small amount of cash to purchase fresh items, like fruits and veggies, halfway through. My plan this year, is to try and help my readers in other ways than couponing through ways of less waste, frugal recipes, time saving organization methods and whatever else I can think of that I do in my life, that may help you!
  3. Clean and Organize your linen closet or pantries.  Check your inventories of other essentials ( toilet paper, toothpaste, etc.) which you should also have enough of from the freebies we publish every week, but by organizing you may find some hidden items you didn’t know you had!
  4. Fill your tank up with gas. If you drive a lot of miles, you may want to get an extra gas can or two full if you absolutely must use more than a tank over two weeks, and
  5. Pre-pay any bills that will be due during your spending freeze
  6. Stop spending money for two weeks. For me, here is what I have done in the past: 1) that means no trips to the grocery store other than Aldi for milk and produce. 2) Make a Meal Plan for 2 weeks and do with what I have  3) Do a run through with the family to see exactly what they may need for school etc BEFORE the freeze starts. 4) Absolutely no going out for dinner or drinks. If we want to do something to get out of the house, we go to our house in the country and enjoy nature and each others company or invite friends over for cards or a small get together . 5) Do not use a credit card or debit card for anything. Do without.  6) Don’t tempt yourself by going into any store or shopping online. The only time I have tempted myself, is when I had $40 in Shop Your Way Points to spend that had to be used as they are like cash. I made sure I only spent what was already coming to me. Not a penny more. 7) I always work more hours at my day job or on the site to make more money also. My mind is always clearer and I am more focused so I always do better at both during a Spending Freeze! Do a spending freeze will give you a sense of control like you will never know until you experience it!

Save your Budget with a Spending Freeze

Why Should I do a Spending Freeze?

1. Jump start your savings.  Doing a spending freeze allows you to easily see how much extra money you spend on unnecessary items every week. You will be able to put it all the extra cash toward one of your financial goals. Many families save hundreds of dollars with this method in just a couple weeks! But even $50 or $100 is worth it, especially if your spending freeze also helps change long-term financial habits.

2. Get your budget on track. A spending freeze will tell you just where you’ve been overspending on the fringes such as daily latte’s, happy hour after work, eating out or shopping binges.  Understanding where you’ve been overspending is a great way to take control of your budget for the future and is powerful information you need to know to get your budget in check!

3. Train yourself to not be an impulse buyer. Reinforce the difference between wants and needs. Getting in the habit of training your mind to wait to make a purchase is very powerful and your willpower will build up the more you use it. After your 2 week spending freeze, it will be easier to resist impulse purchases.

4. Shop your pantry. Another great way to cut back on grocery spending is utilizing what you have on hand. Being forced to live on what’s available for two weeks can get you in the habit of utilizing your pantry and getting creative with ingredients you have readily available. Be creative and try some new ingredients in recipes if you are missing an item! Learning to cook with only items in your cupboard rather than running to the store for the missing ingredient is a fabulous way to cut back on grocery spending and a great habit to start!

5. Schedule Free and Fun Stuff to Do and focus on what’s really important. When you aren’t spending money on “things”, your life gets a little more focused and you tend to spend more quality time with the people you love. For example, instead of going out for an expensive dinner, you could have a potluck with friends or family Or instead of spending money on a movie, you could get into the habit of reading good books from the library or even start a tradition of family game nights!

Regardless of how much you save, a spending freeze will more than likely put you in a more thoughtful and grateful frame of mind, which has consequences far beyond your checking account! I like to do some form of a spending freeze every year just to keep myself in check. The habits I learn during the spending freeze always opens my eyes to something new and creates habits that last a lifetime!!
Save your Budget with a Spending Freeze

Want to try a 31 Day Spending Freeze?

Take the 31 Days of Living Well & Spending Zero challenge offered in Paperback or Kindle written by Ruth over at Living Well Spending Less!!

Here’s what you have to gain from taking this challenge:

  • Discover the surprising joy of zero spending, and make instant changes that will totally transform your attitude.
  • Learn how to use the food you already have on hand to create delicious, budget friendly meals for your family.
  • Be inspired to clean and declutter your living space in order to create the cozy space you’ve always dreamed of.
  • Gather innovative ideas for using those items you already have on hand to create new solutions for old problems.
  • Find encouragement and inspiration from others who have completed this same challenge—and lived to tell the tale.
  • Learn simple tricks and tips for selling your stuff, slashing your bills, and even saving on food.

Ruth has done this challenge numerous times on her site for her readers and has now made it available in book right here !

More on Getting Out of Debt and Budgeting available NOW:

You can also get a FREE 4 Video Series on Getting Out of Debt right now from

Mark and Lauren Greutman! Hurry and get yours within the next week!!

Register here to get your 4 Financial Renovation Videos for FREE NOW before the intro period is over


This post is part of the 30 Day Budget Bootcamp that we put together last year with a team of more than 20 money-savvy bloggers who want to help you be better money managers. I wanted to share this step #13 Trying a Spending Freeze again this year as I think it is an important step in getting control of your budget! You can see the complete list of 30 days assignments with links over on our 30 Day Budget bootcamp page here 

Topic: Save Your Budget with a Spending Freeze

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