Category Archive: Saving Money

Free And Discounted Prescriptions

Over the past few months, I’ve dealt with some now-resolved health issues.  I’m doing great now, but I have a deeper appreciation for free and discounted prescription drugs.  Here’s an updated list of pharmacies, drug stores, and supermarkets that offer free or discounted prescriptions.  Information is subject to change.  Check each store website for full details!  This list is just a summary of my own personal research.

Walmart sells several medications at $4, 30-day supply and $10, 90-day supply.  Click the link and then use the drop-down menus to see if your prescription is covered.

Fred’s offers several medications at $4, 30-day supply.  Click the link and the scroll to the bottom for a link to the list of drugs that they offer.


Rite Aid has an Rx Savings Program, with discounts on various medicaions, including some prescriptions at $9.99, 30-day supply and $15.99, 90-day supply.  Click the link for more details.

Albertson’s myRxCare program charges an $11.99 annual fee, and offers several drugs at $3.99, 30-day supply and $9.99, 90-day supply.  Click the link to apply for the program and check the list of approved medications.

Publix offers a small selection of prescriptions drugs, for free.  That’s right.  Click the link for the list.  This is yet ANOTHER reason why we need Publix to open a store near us!

Winn-Dixie – as well as partner stores – Bi-Lo and Harvey’s – has it’s own perks program.  The annual fee is $5, and users will have access to a selection of medications at $4, 30-day supply and $10, 90-day supply.  Winn-Dixie also offers a small selection of free medications.  Check the link for full details.  Our local Bi-Lo doesn’t have a pharmacy, so check before you head to your local store.

Giant Eagle offers a selection of drugs at $4, 30-day supply and $10, 90-day supply.  Click the link to view the list.

Harris Teeter offers a selection of discounted generics.  Click the link for a list.  We love to visit the Harris Teeter when we are on vacation.

I’ll update this list, periodically.  Consider sharing it with your friends using the buttons below – and if you use StumbleUpon – click the banner to stumble and share.

Please consider subscribing to No Credit Needed via email or rss – and follow me on and  I’d love to hear from you via social media or here in the comments.  Have a blessed day!

Continue Reading

Turn Minutes Into Money

Last night, I set about the task of eliminating or reducing expenses. Each trip to the store, phone call or web visit took just a few minutes, and resulted in some pretty decent savings.  By the way, when I use the word savings, I use it in its loosest form.  I’m not only referring to times when I receive a discount, or when I put money away for later, but times when I eliminate an ongoing expense, or recoup money from a prior purchase.  Here’s what I did:

Over the years, we have subscribed to various internet-based entertainment services, like Netflix.  We love Netflix, so we are keeping it.  However, I did cancel another internet-based streaming service, and saved myself $9.99 per month.  Total annual savings, $119.88.  Total time on website, less than 5 minutes.

Side note:  I’m not really sure how we ended up subscribed to the particular service.  I think we signed up for a free trial and just never cancelled.  Like I mentioned a few days ago, I’ve been slacking the past few months – and that’s the kind of stuff that happens!


I have, in my time as a web content producer (a fancy way to say blogger) registered several domain names.  Today, I listed those names, decided which ones to keep (for now) and eliminated the ones that I know I no longer need.  I cancelled the renewal for two domains, and both will expire in a few months.  The annual savings, for each domain, is $14.99.  Total annual savings, $29.88.  Total time on website, less than 5 minutes.

Side note:  I am considering trying to sell some of the other domains.  I’m doing my research and estimating their values.

When paying a medical bill yesterday, I noticed, via the healthcare provider’s website, that I actually had a credit balance on one of my accounts.  I tried to contact the provider via online chat, but they never picked up (is that the right phrase?).  So, I gave them a call.  It took a few minutes of drilling down, through a seemingly-endless selection of menus – but I finally reached an actual, real person.  I requested a refund for my over-payment.  It should post to my checking account in a few days.  Today’s savings, $27.12.  Total time on the website and the phone, less than 15 minutes.

I returned a pair of shoes.  They were new and never worn.  I purchased them without trying them on – and they’ve been sitting in a closet for three weeks.  Thankfully, I kept the receipt.  Today’s savings, $72.11.  Total time to return the shoes (minus the driving), less than 5 minutes.

Side note: It’s often shocking how much new-with-tags and new-in-the-box stuff folks have in their closets, garages, dressers, and drawers.  Returning these items is a great way to de-clutter and put a little money back in your pocket.  If a store refuses a return, I’ll sell an unwanted item on eBay.  When we were first getting out of debt, we used eBay to help us build our very first emergency fund.

I printed out and analyzed bills from our current internet, cellular, and television providers.  The bottom line is – we are paying too much for these services, considering out actual use.  The reality is – we are an extremely busy family – our oldest is now driving! – and I’ve been ignoring the real costs associated with convenience.  I haven’t made any firm decisions, but I will soon, and these costs will be coming down!  Time spent downloading and printing current bills, less than 2 minutes.  Today’s savings, ????

Side note:  We live in a relatively rural area, so our choices for providers is somewhat limited.  That being said, we can do much better than we have been doing.  I’ve also noticed, the prices for these types of services seems to creep up, over time, with new fees and added costs.  Changing providers may or may not be an option for us, but we’ll see.

There you go.  These were the first in a series of what I hope will be profitable steps.

Please consider subscribing to No Credit Needed via email or rss – and follow me on and to keep up with my progress.  I’d love to hear from you via social media or here in the comments.  Have a blessed day!

Continue Reading

A Simple DIY Way To Make Mulch

Like many folks, we have shrubbery beds surrounding our home.  Today, I had a few extra hours after work, so I grabbed my favorite pruning shears and began the process of pruning our shrubs.

We have five major shrubbery beds – one for each side of the house and one that encircles a stand of oaks.  Over the years, I’ve used various material for mulching the beds – pines straw, fallen leaves, and bagged cypress mulch.

Over time, whatever mulch is used will compact, disintegrate, and discolor.  So, instead of going out an purchasing some sort of mulch (or raking the neighbor’s yard for pine straw) – I decided to try something a little different.


I pruned all of the shrubs in one particular bed – and placed the cut-offs on the ground, just outside the bed.  I then removed the brick barrier from the edge of the bed – and raked all of the old mulch (a combination of the three mentioned above) out into the yard.  I mixed the pile of old mulch and the cut-offs from the shrubbery – and started up the old lawn mower.

I raised the blade of the mower and slowly began to chop through the 3 to 5 inch pile of cut-offs and old mulch, chopping the pile into hundreds of little pieces.  I ran the mower through the pile, reversing direction, 10 or 12 times, until all of the leaves, stems, pieces of pines straw, and chunks of cypress were chopped into little bits.

I then used my blower and my rake to transfer the little bits back in to the shrubbery bed – and was able to create a nice, even, good looking mulch for the bed.  The homemade mulch looks great – and should actually breakdown, like compost, while it does its jobs of holding in water and protecting plant roots.

I may show a few pictures, once I’ve completed all of the beds. I think I’ve found a good way to reuse the cut-offs from my shrubbery to make some high quality mulch – for free!

Side note:  I’m also experimenting with using plain old cardboard as a weed-barrier.

Continue Reading