Frugal Shopping Ideas for November

In anticipation of Thanksgiving, November is an excellent month for deals relating to cooking, baking and housekeeping. Now is the time to get ready for the holidays, and winter.

November is also the month where Cyber Monday and Black Friday offer some truly excellent deals on electronics, toys, games and other holiday gifts to kick off the gift-giving season.

There are deals to be had all over the place during the month of November.

Fruits and Vegetables

✴ Oranges
✴ Cranberries
✴ Tangerines
✴ Pomegranates
✴ Pears
✴ Pumpkins
✴ Persimmons
✴ Sweet potatoes
✴ Broccoli
✴ Spinach
✴ Mushrooms
✴ Winter squash

Grocery Savings

✴ Turkey
✴ Cheese
✴ Butter
✴ Baking supplies
✴ Pie crusts and readymade dough
✴ Frozen pies
✴ Dinner rolls
✴ Cake mix and frosting
✴ Pie fillings
✴ Nuts
✴ Spices
✴ Dried fruits
✴ Halloween clearance candy
✴ Soup
✴ Broth
✴ Marshmallows
✴ Oatmeal

Other Non-Food Items:

✴ Trees, bulbs and shrubs
✴ Carpeting
✴ Flooring
✴ Electronics
✴ Tools
✴ Toys
✴ Christmas gifts
✴ Aluminum foil
✴ Baking pans
✴ Plastic wrap
✴ Cookware

Remember: There’s nothing wrong with buying during the right season to save money if you’re buying products that you intended on purchasing anyway. Shop smarter, live better! That is our motto.

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Financial Calendar October

 

October 1-31 National Disability Employment Awareness Month.
Perhaps you or someone you love is disabled and working. Take some time this month to talk to your children about this special “branch” of the workforce. Stress that people from all walks of life can earn and support themselves.

Breast Cancer Awareness Month.
This is pink ribbon month, so look out for the pink packages in stores which show that the companies that have joined in have pledged certain monies to help sponsor charity events. Also keep an eye out for walks and other special charity events you can participate in. Or just make a donation through free clicks at theanimalrescuecenter.com. The purple button donates food to animal shelters and the pink donates money toward free mammograms for women who can’t otherwise afford them.

October is also the start of the next fiscal quarter. Keep an eye on all your business finances, and if you are not ready for the holiday selling season yet, well, what are you waiting for?

5th World Teachers’ Day.
Today is set aside to honor teachers and their contribution to the education of children all over the world. Reflect on how you might honor your children’s teachers today and take some time to talk with your children about what they want to be when they grow up. Mention the importance of financial responsibility in order to plan for your financial future and meet all of your goals. Also stop off at theanimalrescuesite.com and click on the purple button to donate food to animal shelters. Then click on the Literacy site button to donate free books to children all over the world.

8th National Children’s Day.
This day is to celebrate children. If you have children, you know just how important they are to your life. Why not take your children to the bank today and help them open their own savings accounts? Go to theanimalrescuesite.com and click to donate food to animal shelters, then click on the free link for Children’s Health to donate money from the sponsors to support child health care initiatives all over the globe. Also remember that you and the kids can play free sponsored games from the site. The more minutes you log in, the more money the sponsors donate to the worthy causes listed at the site.

Columbus Day.
Columbus Day celebrates Christopher Columbus’s first voyage to the Americas in 1492. Use this day off to review your budget for the past few months and check where you are in terms of savings for the upcoming holidays. You can also head over the theanimalrescuesite.com to click on the purple button to donate food for free to shelter pets, and the green button for the rainforest site to help preserve the last of the world’s great rainforests from further incursions and the loss of habitat that can bring animals living there to the brink of extinction.

15 Sweetest Day.
Sweetest Day was established to do something special for others, particularly for those who are less fortunate than yourself. On this Sweetest Day, make a donation to your local foster care organization or a world hunger cause. Go to theanimalrescuesite.com and click on the purple button to contribute free food to animal shelters. Then click on the yellow hunger button to donate food to end hunger worldwide.

16 National Bosses’ Day.
Celebrate your boss today. After all, it’s most likely because of him or her (directly or indirectly) that you’ve got a job. Even if they can be a pain, think of all the ways your steady paycheck makes your life easier.

16-22 Record all the money you spend for a week.
Beginning today, record every purchase and every bill you pay for the next week. Doing so will help highlight any unnecessary spending and help you curb these habits in the future.

24th United Nations Day.
It was on this day in 1945 that the UN’s document was signed and accepted by Security Council members. This date reminds us of UN’s mission, goals and achievements. Speaking of mission, goals and achievements, what are your missions, goals and achievements related to your finances so far this year? This is a good time to check to see if you are on target with your financial goals.

31 Halloween. “Treat” each of your children by making a $50 deposit into their individual savings accounts this Halloween instead of spending a small fortune on candy, costumes and decorations.

These are just a few ideas on how to make October a profitable and productive money when it comes to money matters.

For more how tos on a variety of money-related topics, see the Money Matters Series from Evelyn Trimborn, published by Eternal Spiral Books.

August 1-31
Family Fun Month.
Celebrate your family all month by planning a fun activity for your family each week: a barbecue one week, a walk through the park the next, and more. Take advantage of the family time together to teach your kids about managing money – a skill that will benefit them the rest of their life.

August 1st-Take time today to find out if your state has a sales tax holiday for back-to-school shopping. Mark your calendar with the dates and plan to do your shopping then. Set a goal to save big money on back to school-shopping this year.

7th-National Sisters’ Day. If you’re lucky enough to have a sister on this day, plan to spend some time with her. You can swap savvy saving and shopping tips to help save even more money.

12th-International Youth Day. This United Nations observance day pays homage to the world’s youth – their achievements and incredible impact on the world. Talk with your kids today and listen to their dreams for the future. Emphasize the importance of education and employment in creating their best lives possible. Discuss how your family saving for their goals needs to start now and might mean sacrifices today for a better tomorrow.

13th-National Garage Sale Day.
Believe it or not, there’s a day to celebrate the garage sale. Definitely plan to have yours this month. Use the money that you earn to make a difference to your family budget. For example, apply your takings to back-to-school shopping, save it, or invest it.

19th World Humanitarian Day.
This day observes the incredible perseverance by all the world’s humanitarian workers and to promote humanitarian causes. In particular, those who have lost their lives in the fight for humanitarian reasons are honored on this day. Consider a donation to the humanitarian effort of your choice. Think how you can make a difference in the world through your time and efforts. Also remember that wealth is relative. You may not think you have a lot, but you are far better off than many people around the world and there are some things that money can’t buy. Freedom is one of them.

24-Start shopping for a new car.
At this time of year, dealers are selling their remaining inventory of this year’s models at great savings to make room for next year’s new cars. To save some real money on your next new car, shop now for the best deals. Do your research carefully and see if now is the right time to buy.

26th-Women’s Equality Day. Celebrate the date that women were first given the right to vote in 1920 by purchasing a $50 savings bond for each of the favorite women in your life, such as your wife, sisters, and daughters. Women can treat themselves to their own $50 savings bond to celebrate this landmark day. Or, put the money into an interest bearing account and add to it, setting your own goals, hopes and dreams to improve your future.

31th. Make a call to reduce the interest rate on your credit card. It’s so important to try to save dollars however you can. Put some effort into reducing your credit card interest rates. Any reduction in the rate, no matter how small, is extra money in your pocket. The America’s Debt Diet and other websites have sample scripts you can use to help you get started saving money.

Don’t forget to check your budget and emergency fund to be sure you are on track. See the guide Emergency Fund 101 for more information. Also learn How to Use the Internet to Save Money.

Further Reading:

How to Slash Costs and Save Money on Everyday Expenses (More for Less Guides)

Smart Spending Strategies (More for Less Guides)

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Saving Money All Year Round-September Hints and Tips

Here are some great ways to save this month.

1-31 “Fruit and Veggies – More Matters” Month.
The month of September is designated as Fruit and Veggies – More Matters Month by the Centers for Disease Control to encourage everyone to eat more fruits and vegetables. Focus on eating seasonal fruits and vegetables to save money this month and for the rest of the autumn as the harvest comes in. Visit your local farmers’ markets to get the best prices on local produce or find a vegetable wholesaler for rock-bottom prices.

1st
If you have health insurance coverage through your employment, review your coverage today. Do you need to make any changes to your plan? Speak to HR to ensure you have the coverage that works the best for your family. You will need to sign up for coverage by the end of the year for next year, so start doing your research today instead of just rolling over last year’s coverage without reviewing it.

Labor Day.
Enjoy your well-earned day off. Rather than spend your dollars on eating out, put the money you would spend towards a barbecue, or have a picnic with your family.

8th International Literacy Day.
Consider going through your book collection and deciding which books you can either sell or trade in for credit at your local second-hand book store. Read a current financial expert’s book with wealth-building tips today. Make a donation to the Literacy Site, click to donate free books, or shop in their charity store to get an early start on your holiday shopping.

11th Grandparents’ Day.
Visit your grandparents or your kids’ grandparents today. Ask them to share some tips about how they stretch their dollars. You might be surprised with how much they know about getting more miles out of your money.

15 Third Quarter Estimated Taxes are Due.
If you’re self-employed or run your own business, remember to mail your estimated tax payment in plenty of time for the IRS to receive it before this date.

19-24th Take your lunch to work this week.
One way to preserve your cash this month is to carry your lunch each day. At $5 to $10 per weekday, you’ll save a fair amount of money to put into your emergency fund or save for one of your family’s other financial goals. You can also put this money into your end of the year holiday fund.

21st International Day of Peace.
This date reminds us all to do what we can to bring about world peace. Make a donation to a cause that promotes world peace and nonviolence. Don’t forget to keep all your charity donation receipts in order to deduct your donation on your taxes when you file them in April of the following year.

23rd First Day of Autumn.
Review your budget and begin planning and preparations for end-of- the-year spending for the upcoming holiday season. If you have not already been shopping and saving now, is the time to get started so that you are not stuck with a lot of bills all in one month this year.

30th Review your debts.
Make a list of all your debts and vow to pay them off. Start with the card with the highest interest and pay off that bill first. Then go to the next highest interest rate and pay that one off. Do not plan on using your cards for any holiday expenses. Pay down each card, keeping only one card with the lowest interest rate for emergencies.

For more information on frugal living all year round, see:
Smart Spending Strategies and How to Use the Internet to Save Money

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Saving Money All Year Round-August Hints and Tips

August 1-31
Family Fun Month.
Celebrate your family all month by planning a fun activity for your family each week: a barbecue one week, a walk through the park the next, and more. Take advantage of the family time together to teach your kids about managing money – a skill that will benefit them the rest of their life.

August 1st-Take time today to find out if your state has a sales tax holiday for back-to-school shopping. Mark your calendar with the dates and plan to do your shopping then. Set a goal to save big money on back to school-shopping this year.

7th-National Sisters’ Day. If you’re lucky enough to have a sister on this day, plan to spend some time with her. You can swap savvy saving and shopping tips to help save even more money.

12th-International Youth Day. This United Nations observance day pays homage to the world’s youth – their achievements and incredible impact on the world. Talk with your kids today and listen to their dreams for the future. Emphasize the importance of education and employment in creating their best lives possible. Discuss how your family saving for their goals needs to start now and might mean sacrifices today for a better tomorrow.

13th-National Garage Sale Day.
Believe it or not, there’s a day to celebrate the garage sale. Definitely plan to have yours this month. Use the money that you earn to make a difference to your family budget. For example, apply your takings to back-to-school shopping, save it, or invest it.

19th World Humanitarian Day.
This day observes the incredible perseverance by all the world’s humanitarian workers and to promote humanitarian causes. In particular, those who have lost their lives in the fight for humanitarian reasons are honored on this day. Consider a donation to the humanitarian effort of your choice. Think how you can make a difference in the world through your time and efforts. Also remember that wealth is relative. You may not think you have a lot, but you are far better off than many people around the world and there are some things that money can’t buy. Freedom is one of them.

24-Start shopping for a new car.
At this time of year, dealers are selling their remaining inventory of this year’s models at great savings to make room for next year’s new cars. To save some real money on your next new car, shop now for the best deals. Do your research carefully and see if now is the right time to buy.

26th-Women’s Equality Day. Celebrate the date that women were first given the right to vote in 1920 by purchasing a $50 savings bond for each of the favorite women in your life, such as your wife, sisters, and daughters. Women can treat themselves to their own $50 savings bond to celebrate this landmark day. Or, put the money into an interest bearing account and add to it, setting your own goals, hopes and dreams to improve your future.

31th. Make a call to reduce the interest rate on your credit card. It’s so important to try to save dollars however you can. Put some effort into reducing your credit card interest rates. Any reduction in the rate, no matter how small, is extra money in your pocket. The America’s Debt Diet and other websites have sample scripts you can use to help you get started saving money.

Don’t forget to check your budget and emergency fund to be sure you are on track. See the guide Emergency Fund 101 for more information. Also learn How to Use the Internet to Save Money.

Further Reading:

How to Slash Costs and Save Money on Everyday Expenses (More for Less Guides)

Smart Spending Strategies (More for Less Guides)

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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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