Category Archive: Saving Money

Top 10 Ways To Save Money

Looking for some ways to save money?  How about ten ways?  Cool.  Check out my Top 10 Ways To Save Money – Click the links to read individual articles about each tip!

Number 10 – Cook and Eat at Home

Eating out is expensive, especially for families.  Shop wisely for groceries and eat at home.

Number 9 – Give Up Hobbies

This can be a tough one, but giving up hobbies (at least temporarily) can save some serious cash.

Number 8 – Purchase Fresh Produce

Shopping locally, in-season, can result in some real savings.

Number 7 – Get Fit

This one is tough for me.  I work hard to lose weight – and maintain my weight loss – because I know being healthy helps my waist line and my wallet!

Number 6 – Work Together

If you have a family, it’s extremely important to cooperate when it comes time to create – and implement – a budget.  Working together benefits the entire family and each individual in it.

Number 5 – Follow Through

You have the plan, but you have to actually follow it.  Take the next step.  Today!

Number 4 – Shop Smart

Use available technology and old fashioned sources to become a smarter consumer.

Number 3 – Avoid Paying Credit Card Interest

If you have credit card debt, pay it off.  If you have a credit card, pay it off each month.

Number 2 – Live on a Budget

Give every penny a purpose and every dollar a destination.

Number 1 – Understand What You Are Doing Before You Do It

This is my number one money saving tip- Before you do anything with your money, understand what you are doing.

These are my Top Ten Ways to Save Money.  Please leave a comment with your ideas for saving money – and use the buttons below to share this post.  Blessings!

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Stores That Offer Free Or Discounted Prescription Drugs

Check out this updated list of stores and pharmacies that offer free or discounted prescription drugs.  Save money on your prescriptions.  List updated once a month.  Last updated December 17, 2014.

Click the links to view information about each store’s discount prescription drug program –

Free Medications –

Publix – free antibiotics plus Amlodipine, Lisinopril, and Metformin

Meijer – free antibiotics plus prenatal vitamins, Metformin,  and Atorvastatin Calcium

Free Antibiotics –

Giant Eagle – free antibiotics

Harris Teeter – free antibiotics

discount presriptions

Discounted Medications –

Kroger – $4 / $10 generics

Ralph’s – $4 / $10 generics

Target – $4 / $10 generics

Walmart – $4 / $10 generics (some states)

Fred’s – $4 generics

This list was updated December 16, 2014 and will be updated once per month.

Information is subject to change.

 

 

 

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24 Hours Of Saving Money

24 Hours of Saving Money:  This is an around-the-clock look at some of the financial decisions we make – and how those decisions affect our pocketbook, our family, and our future.  My wife and I have three kids, we live busy lives, and we are work hard.  Here’s a typical day for our family – broken down by how we save money – and when.

5:00 AM – Enjoy a brisk walk or an at-home workout.

Savings = $300 in annual gym-membership fees – and lower long-term health care costs

6:00 AM – Skip the coffee shop and brew at home.

Savings = $3-5 a day – and $800-1500 a year

7:00 AM – Check the thermostat.

Savings = Heating and cooling costs represent a tremendous expense.  For my house, I’ve calculated that wise thermostat-management saves %15 off of my electric bill.

8:00 AM – Drive carefully and below the speed limit.

Savings = Avoid speeding tickets, accidents (which increase insurance costs), protect yourself (and others) and save gasoline.

9:00 AM – Turn off phone data and take advantage of wi-fi.

I recently underwent the dreaded transition from an unlimited to a limited plan.  I quickly learned to take advantage of wi-fi, both at home and at work.

10:00 AM – Pass on the sugary, mid-morning snack and opt for some protein.

I’m convinced, on days when I consume a mid-morning, sugary snack – I stay hungry.  When I choose protein, I’m less apt to snack, which saves money and holes on the belt.

10:15 AM – Open the blinds and turn off any unnecessary lights.

This saves energy and the natural light is good for the soul.

12:00 Noon – Order water with lunch.

If you can brown-bag it, that’s awesome.  For me, when I eat out for lunch, I try to be reasonable, and I’ll skip appetizers and soda.  Savings = $1.50 to $3.50 per meal

1:00 PM – Make a transfer to a savings account.

Even if it is a small amount, it’s a good idea to get in the habit of initiating transfers to a savings account.  I do this two or three times a week.  A sgrowing savings account balance keeps me motivated.

2:00 PM – Go with the sweater.

If you work at home and have control of the thermostat, a sweater is a great way to stay warm – and save a little money.

3:00 PM – Know what’s for supper.

I know it’s only 3 in the afternoon – but if you wait until much later to think about supper – you’ll probably opt for convenience foods or take-out.  I’ll usually text my wife around this time and we’ll make sure we’re both on the same page.

3:30 PM – Be ready with a plan for the kids and their activities.

We have three kids – ranging from 6 to 15 – and they each have after-school activities.  It’s important – very important – that my wife and I know which kid is going where, with whom, how much money they’ll need, when they need to be picked up, and when we’ll all be back at home.  This can become an expensive time for families!  Snacks, drinks, t-shirts, fees – these add up.  Be ready with a plan and a budget for these activities.

5:00 PM – Check online for gas prices and fuel up.

There are several websites – my favorite is Gas Buddy – for checking the lowest cost for fuel.  I’ll take my automobile or my wife’s and fill up at the cheapest station.

6:00 PM – Cook and clean up – together.

I’m the primary cook in our family, but at meal time, we all pitch in.  I’ll cook the main course, the kids will help with setting the table, and my wife will handle most of the clean up.  We skip the high-cost of restaurants – and since the kids have a hand in the cooking, they’re more apt to eat and not waste food.

6:30 PM – Talk with the kids about the upcoming week.

With our oldest, we’ll ask about any club-related or sports-related dues.  With our youngest, we’ll find out if the book-mo-bile is coming to school.  It’s important that we know about any upcoming expenses – so that we can have these in our budget.

7:00 PM – Read the Bible.

For us, reading the Bible, as a family, is incredibly important.  It reminds us of the kindness of our Savior – and the importance of giving to others.  How does this save money?  Many of the principals that guide our financial lives our found in the pages of scripture.

8:00 PM – Check out personal finance blogs.

I cannot begin to calculate the amount of money I have saved, simply by reading and following the information I’ve found from my fellow personal finance bloggers.  Check out the list at the bottom of this page for some of my favorites – and pfblogs.org for an aggregator of great personal finance information.

8:30 PM – Hang up those clothes.

We have an electric clothes dryer – but we have taken to hanging up almost all of our clothes.  They seem to last longer, and air-drying saves money.  So, just before bed, I’ll hang up a load of clothing.  In the morning, my wife will hang place them in our closets.

9:30 PM – Skip the television and read a book.

I’ll keep the television turned off – and instead choose a good book.  This saves money – and hopefully – expands the mind.

10: PM – Bundle up.

In the winter, save money by turning down the heat a bit and using a good blanket.  We live in the South – and the temptation here is turn on the heat when the temperature dips below 70!

1:00 AM – Change that diaper and enjoy the kiddo.

When our kids were little, this was the time when they generally woke up, in need of a diaper change. While you’re up, you may as well check out the savings from  Amazon Mom. You’ll receive up to 20% off the cost of diapers – and you’ll enjoy the additional benefits of Amazon Prime.  Click the link for a free 30-day trial!  Also, if you have little ones – cherish these late nights.  I know you are exhausted, but these times will soon be gone.  Ours are all big-kids, and while we are thankful for where they are now, we miss those nights of rocking.

2:00 AM – Wash those clothes and those dishes.

Did you know that certain power companies charge less for power, depending on the time of day?  Our washing machine has a timer, so we’ll set it for early in the morning, thus avoiding the more energy-expensive time of day.  We’ll also run our dish washer at night – and put the dishes away in the morning.

All day long, we have opportunities to save money.  Here and there, we save a few dollars, until, at the end of the day, we’ve saved several.  Obviously, each day presents its own challenges – and opportunities.  Take the time to analyze your daily routine – and look for opportunities to save.  Blessings.

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How To Save Money On Repairs

Here are a few tips and tricks for saving money on repairs –

Keep track of your manuals.  I have a binder wherein I keep the manuals for all of the tools and appliances that we buy.  Quick tip – If you’ve lost your manual, check online.  Search by manufacturer and model number.

Check to see if the item is under warranty.  Remember those little warranty cards that come with the stuff you buy?  They’re important!  Keep up with them – and register stuff.  If something breaks, and it is still under warranty, you may have it repaired, or replaced, for free!

See if you paid for the item with a credit card.  I know, I know.  I’m no fan of credit cards, but, that doesn’t take away from the fact that several credit card companies offer extended warranties on items purchased with their cards.

Take a look on youtube.  If you have a bit of a “DIY” spirit – search for the repair that you need to make on youtube.  I’ve learned how to replace the drive belt on my dryer and to repair our garbage disposal, simply by watching videos on youtube.  What an awesome resource.

Talk to friends and neighbors.  I was talking to my neighbor the other day, telling him about building a small desk for my son.  A few days later, he stopped by – and asked if I could help him with a small project, repairing a broken board on his front porch.  He saved a few bucks – and I got to repair the board and look like a hero in front of my boy!

tool wall repairs

Visit your local library.  This is old school – but very, very practical.  I love old woodworking books, and our local library has several of them.  I’ve learned how to frame up a shop, install an electrical outlet, and lay shingles, all from books available at most libraries.

Check out the bulletin board at a home center, lumber yard, or feed store.  I live in a rural part of the state – and there are dozens of carpenters who tack their business cards to bulletin boards in local stores.  Grab a few of these and make a few calls.  You might be surprised by the reasonable rates some will offer – especially if the job you need doing is a one-person gig.

Discuss the cost for parts and supplies before hiring a contractor or carpenter.  Often, these folks will be able to buy parts and supplies (think lumber, paint), cheaper than you can.  However, in some cases, if you are willing to do a little legwork, you might find better deals.  Discuss this with your carpenter and figure out what works best for you.

Buy new?  This can be a tough one – but there are times when purchasing a new item is actually cheaper than fixing an old one.  So, do a bit of research and make sure that a repair is worth the money.  Blessings.

Find out if the item has been recalled.  I almost forgot this one.  It’s a good idea, any time you have a product that isn’t performing like you think it should be, to check for a recall.  A simple internet search will reveal several sites where you can find recall information.

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