Making a List and Checking it Twice When Shopping, Part 2

Part 2.

Try to map out the stores you frequent. Unless they constantly move items around, you will be able to quickly find the cereal and the mustard without having to search around, wasting time and money. Being able to grab exactly what you need aids in cost savings because, again, you won’t be left to your own devices when walking aimlessly up and down the isles.

Budget check often Leave room on your list to write down prices. Many stores will honor prices if marked incorrectly on the shelf, or even give you that particular item for free if it rings up incorrectly. Being able to keep track of the dollars you are going to spend as you walk through the store also helps when it comes to shopping on a budget. When you see the dollars adding up, it is much more difficult to justify the impulse buy at the checkout lane.

To recap, make sure you have the list with you before you leave the house. Also, make sure that list is as complete as possible by keeping a running tab of needed items on the fridge. Sort the list by common items to make life easier and know where those items are located. Finally, keep track of your spending on the same list to help with frugal shopping.

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Making a List and Checking it Twice When Shopping, Part 1

Part 1.

 

The biggest frustration for a family on a budget is forgetting the ever-important list at home. This usually results in a bout of yelling and blaming, followed by an attempted list-recreation while moving through the store. Generally, this causes an abundance of items, half of which are not even needed, ending up in the shopping basket. Not to mention blowing the budget out of the window and still having only partial ingredients to make any resemblance of a meal.

Shopping lists are only as effective as the person who makes them. The rule for shopping lists is to make sure you look through all of your items, including the shelves where you stock the goodies, to make sure you have written every last thing down. The best thing to do for keeping a good list is to hang a piece of paper on the refrigerator to keep a running tally as you use up items. This will help ensure minimal items are missed. It is still helpful to go back through the fridge, freezer and all pantries before heading to the store.

When creating your list, there are a few tips to remember:

Organize Try and keep your list organized by where items are placed in your kitchen. For instance, have a column for frozen goods, another for refrigerated and a final one for pantry items. This will help three fold.

First, when you are shopping, many items are grouped together in this same way. This will increase your shopping speed and leave little room for impulse buys because you are just wandering up and down the isles. Second, all of the like items will be packaged together since they are in your cart together, keeping the cold items cold and the meats away from the bread and eggs. Finally, since the items are packed together, putting them away at home will be a breeze. They will already be grouped according to where they go.

 

Continued in Part 2.

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Family Meal Planning To Save Money

 

There are several ways in which meal planning can save money.

 

Whether you purchase groceries on sale or at a warehouse, always buy in bulk.  Buy those items that you can prepare in one meal which you can then make last several means.

 

For example, whole chickens are reasonably priced.  You can purchase two and make a pot of chicken stew, a pot pie, a roast chicken, a stir fry, a chicken salad, and so on. Vegetables on sale or from the local farmers market can be added to the meal as well as well. Whatever you don’t eat, freeze.

 

(And if you have ANY spare room in your house, I suggest you invest in a small to medium sized chest freezer for the same reason, to save money.)

 

Any type of home-made soup or stew can be easily frozen for lunches or dinners, and helps  meat  stretch much further.

 

There are a myriad of recipes online that offer tips and suggestions on how to prepare meals for up to a month in advance. Do your research based on a main ingredient, book up the dishes, and then eat or freeze into meal sized portions for the family.

 

With the current recession, more and more families are utilizing coupons, Sunday circulars, and store circulars to purchase items on sale. This is a great idea that can help you save bit, especially if you get double coupons.

 

In addition, stock up on store brand items.  They are often  just as good as brand-name items, and are sometimes manufactured by the very same company that makes the premium brands.

 

If you budget accordingly, you can prepare meals that are affordable and easy to prepare.

 

Here’s another example on how you can save money.  Instead of ordering a pizza (the price and delivery are quite expensive), buy English muffins on sale, or a large loaf of French bread, a jar of pasta sauce (or use your own homemade sauce), and a small mozzarella cheese package (low fat is best to save money and calories too).

 

With the muffins, or bread slices, you can make mini pizzas for your family!  They are even more delicious than regular pizza and cost half the price.

 

Utilizing the items in your home can assist you in preparing creative meals.  One-pot stew is always a favorite, for which you can purchase inexpensive pieces of meat.  Just add vegetables from your garden or farmer’s market.  You can also freeze this, so why not make enough for several servings.

 

It even makes a great pet food; all you have to do is run it in the blender to desired consistency, and you can get very high quality but inexpensive dog vitamins as chewables or ones you can throw into the food before you blend it, for a cheap,  nutritious meal that will save a ton on pet food bills.

 

Meal planning done well in advance, in conjunction with whatever is on sale, is an affordable way to save money over the long term

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Small Fashion Changes, Big Bang For Your Buck

Everyone wants to look fashionable and wear stylish clothes, but that can be a challenging task, especially when you’re on a budget.

For the cost-conscious, major overhauls to your wardrobe are out of the question, but there are simple changes you canmake that can subtly change the effect of your clothes and outfits, and give your wardrobe a fresh new look.

Add a few unique accessories that emphasize color and shape, and you may be surprised at the change that slowly becomes apparent. Great accessories don’t have to be expensive and sometimes can be found in the most surprising locations. The best place to start is within your own closet and drawers ““ there may be the perfect accessory waiting to be discovered! A fast way to change the feel of an outfit is to turn your collar up. This accentuates your face and creates a nice line down the throat and the center of the body. To give it a slightly retro flair, turn the collar up and force the tips down a bit.

A tremendously useful accessory that doesn’t cost much is the humble scarf. Buy several in different colors and patterns as well as sizes, and you can use them as belts, headbands, accessories for bags, or just to wind around your neck. Scarves with mixes of unusual colors look especially stylish against black outfits. Use a long one to wrap around your neck and leave the ends free with one in the front and the other in the back. Shorter scarves can be used to tie around ponytails for a stylish yet cute touch or tied around the handle of your bag for a flash of color.Longer ones can be tied around your waist.

Earrings are another fabulous way to change up your look without spending a lot of money, and are one of the single best ways to create a mood for yourself. Choose a sparkly, dangly pair for a night out, and smaller, but color-coordinated ones for work.

Gold or silver accessories add a touch of elegance toany outfits.

Handbags and shoes are another way to dress an outfit up or down, and add a bit of stylish flair.

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Frugal Luxuries by the Seasons

Frugal Luxuries by the Seasons: Celebrate the Holidays with Elegance and Simplicity–on Any Income

 

In author, Tracey McBride’s first book, Frugal Luxuries, she elevated thrifty but elegant living to an art form.

 

Now in this companion volume, she shares more new ways to beautify your life around the holidays, in order to make the most of what you have, even if it isn’t much because of these tough economic times.

 

With Frugal Luxuries by the Seasons you can create wonderful holiday celebrations all year round for friends and family without breaking your budget.

 

Working together with friends and family, and taking time, and making a bit of effort, can make an ordinary holiday into a luxury one without a lot of money being spent.

 

In Frugal Luxuries by the Seasons you will learn to enjoy:

 

* Symbols of spring: Irish linen sachets, warm scones drenched in jam and butter, and mysterious bunny tracks you can make for your children

 

* Charmed summers: floral wreaths you can use as party favors, an Italian feast with homemade pasta, and plentiful gifts from the garden

 

* Autumnal gifts: scented cinnamon pinecones as fire starters, fresh challah for Rosh Hashana, and a house warmed with fall bouquets and cozy paisley throws

 

* Winter marvels: mood-enhancing music, and a Christmas gift pantry that is started in January of the previous year, to create stress-free giving, and be able to stretch out the financial commitment over 12 months, instead of one or two.

 

If you are into elegance without the price, then this is a great book to reference all year around.

 

There are many ways you can make your home a more welcoming space on a frugal budget in Frugal Luxuries by the Seasons. Make every season a joyful one, without breaking the bank, with this handy book.

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17 ways to shrink your daily expenses 3

Part 3.

12-Clip coupons.

Even some of the discount, bulk stores accept coupons, so make sure you take advantage of all the Sunday coupons and neighborhood flyers. Pay attention to stores’ double-coupon days and save twice as much.  Even better, use a coupon when items are on sale.

Try to file your coupons alphabetically in a small coupon clipper file to save time and effort. Also try not to get tempted by new items that you would not normally buy.

 

13-Buy in bulk.

If a non-perishable item is on sale, consider buying several.

But make sure you also check the unit price on some items.  Just beeause it is a larger size, does not always mean it is a savings.  You might do better with waiting til the smaller items are on sale.

 

14-Check the store circulars.

This is where stores list their weekly specials. Read carefully, though, because stores sometimes intersperse regularly-priced items with sale merchandise. Know your prices on your list, so you can see if it is a real deal, or just a lure.

 

15. Do the work yourself,”avoid store-prepared food.

Sure, it saves time to have everything cut up for you, but the time it takes you to prepare a salad or put together a side dish can definitely save you money over buying prepared items from the store. Plus, the food you prepare yourself is usually fresher and tastier anyway.

 

16. Join a food club or shop at a warehouse store.

Often the savings can more than cover the cost of the membership. If you are buying in bulk, share the large quantities out with friends and family.

 

17. Always double-check your receipt before you leave the store. Sometimes, items get miscounted, rung up twice, or charged in full even if they’re listed on sale. Or, it is easy to miss a coupon.  If there is an error, it’s easier to go to customer service and get a refund if you haven’t left the premises with your bags.

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17 ways to shrink your daily expenses 2

Part 2.

6-Always  make a grocery list before heading out.

Do this before you go into the store and then do your best to stick to it. You’d be surprised by how much you buy on impulse.

Having one master list of all your most important items listed in the order in which they appear in the store and then copying and circling what you need  will help keep your expenditure down, and alos stop you from straying into aisle full of unnecessary and often expensive temptations.

 

7-Eat food that’s in season.

This may seem like a no-brainer, but in these days of world markets and produce shipped from such faraway places as Costa Rica, buying in-season is more important than ever. Apples, pears, even strawberries are all much cheaper when they are in season.

If you have a large quantity, share it out with friends and family, or preserve it.

If you still want to buy produce that’s out of season, consider frozen fruits and veggies,”sometimes they’re more reasonably priced.

 

8-Shop at local markets or farm trucks.

Because they don’t have to deal with shipping costs, chances are you’ll find better prices on produce,”and fresher food!  If you buy in bulk, share it out with friends and family,or preserve it.

 

9-Avoid last-minute stops at mini-markets.

While these places are convenient, the prices for most items there are also higher than at larger stores.

 

10-Buy store brands.

Store brands can often save you 30 to 40% over name brands. And often, they are produced by the same factory anyway.

 

11-Don’t go grocery shopping when you’re hungry.

Everything looks good then, and your budget goes completely out the window.

 

Continued in Part 3.

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