Tuesday, September 29, 2009
Buying in groups to save you money
Here is a fantastic site. It is somewhat like e-bay. It is local businesses offering a deal of the day. You generally have a few hours to sign up for that bargain that is offered. The site is www.groupon.com
Learn How Groupon Works
How It Works
Each day we feature something cool to do at an unbeatable price.
You only get it if enough people join that day… so invite your friends!
Check back the next day for another awesome Groupon!
Learn How Groupon Works
How It Works
Each day we feature something cool to do at an unbeatable price.
You only get it if enough people join that day… so invite your friends!
Check back the next day for another awesome Groupon!
Friday, May 15, 2009
How to save money on your grocery bill
Clipping coupons is one way to save money.
Here is a way to maximize your coupon savings.
Save three coupon flier's from the Sunday paper; the
Red Plum, Smart Source, and Proctor & Gamble.
Then go to www.couponmom.com’s web site. This
will multiply you grocery store savings. You need
to save all three coupon fliers in dated order. Once
your at www.couponmom.com web site go to-
“Grocery Deals By State” select both Colorado Safeway
Deals and Colorado King Soopers Deals. Once
your in this section go to the right top of the page
and find the (% Saved) and do the same on the left
top of page find (% Saved). Once you have located
these areas: 1) click on the (small blue arrow pointing
down). This will put the biggest saving on the
top of the list, with the possibility of finding an item
or items for free. 2) (place a check mark next to the
items of choice. 3) Go to the bottom of the page and
click on (display selected details). This will provide
a list of items you selected. Be sure to check both
King Soopers and Safeway grocery. There are times
each store will have the same item discounted. If the
item has a date with RP (Red Plum), SM (Smart
Choice), or PG (Proctor & Gamble, there should be
a coupon in your saved fliers. Find your coupon by
fliers and date. The savings are based on double
couponing and show the percentage of savings. It
may take you a few months to be able to collect all
the coupons needed, however well worth the effort. I
have found that when I am shopping with the double
coupons in hand, and my grocery list, I have saved
up to 75%-90% on my shopping trip!
When you have a coupon for, “Buy One Get
One Free”, you can buy only one of the items and
tell the cashier you are only buying one. The cashier
will cut the full price of the item in half and then you
will provide your “buy one get one free coupon”. By
doing this it will give you double savings on this
item. Be sure you can buy only one item with your
coupon first.
If you are 55 or older and shop at Albertsons
on the first Wednesday of the month, you will get
10% off your entire order! Be sure to tell the
checker you are a senior.
By watching the price of every item in your
shopping cart at your favorite grocery store and to
watch as they are scanned. If any item scans the incorrect
price at Albertson's, King Soopers or Safeway
and you catch the error you get the item for
free. If you are buying more than one of the incorrectly
scanned item you may get all for free.
In most cases you will get the first item for free
and then they correct the price any other items
that may be miss-priced At Sunflower Market,
take your receipt to be refunded for the miss
priced item.
I have found that shopping for big produce,
Sunflower & Sprouts Market are the most
economical. They run weekly specials on
Wednesday’s, no coupons needed. By shopping
on Wednesday you get to take advantage of two
weeks worth of specials; the week before and the
week after.
In addition to all of the above savings,
there are two great discount grocery stores in the
Denver area. They carry items the major grocery
stores no longer want. Some of these items
have passed or come close to their expiration
date. The freight comes on a open truck. The
Friday Store is located at 5636 Newland Way in
Arvada, CO 80002, (303) 422-8562. This is east
of Wadsworth, west of Marshal and south of
58th Street. It is only opened on Friday and Saturday
from 9 AM – 5 PM. Be sure to get there
early, sometime if they are not busy, they will
close early. The second is the Dacono Discount
Grocery (303) 833-5005, They are closed Thursday
and Sundays to restock their shelves. They
are the size of a small grocery store. It is worth
the drive. Take the second Dacono exit from
Denver M52, go east on 52 or Mineral, turn right
at the light Glen Creighton Dr. The store is on
your right. 913 Carbondale Dr.
I hope these ideas will help you save on your
next grocery bill.
Kathy W.
Clipping coupons is one way to save money.
Here is a way to maximize your coupon savings.
Save three coupon flier's from the Sunday paper; the
Red Plum, Smart Source, and Proctor & Gamble.
Then go to www.couponmom.com’s web site. This
will multiply you grocery store savings. You need
to save all three coupon fliers in dated order. Once
your at www.couponmom.com web site go to-
“Grocery Deals By State” select both Colorado Safeway
Deals and Colorado King Soopers Deals. Once
your in this section go to the right top of the page
and find the (% Saved) and do the same on the left
top of page find (% Saved). Once you have located
these areas: 1) click on the (small blue arrow pointing
down). This will put the biggest saving on the
top of the list, with the possibility of finding an item
or items for free. 2) (place a check mark next to the
items of choice. 3) Go to the bottom of the page and
click on (display selected details). This will provide
a list of items you selected. Be sure to check both
King Soopers and Safeway grocery. There are times
each store will have the same item discounted. If the
item has a date with RP (Red Plum), SM (Smart
Choice), or PG (Proctor & Gamble, there should be
a coupon in your saved fliers. Find your coupon by
fliers and date. The savings are based on double
couponing and show the percentage of savings. It
may take you a few months to be able to collect all
the coupons needed, however well worth the effort. I
have found that when I am shopping with the double
coupons in hand, and my grocery list, I have saved
up to 75%-90% on my shopping trip!
When you have a coupon for, “Buy One Get
One Free”, you can buy only one of the items and
tell the cashier you are only buying one. The cashier
will cut the full price of the item in half and then you
will provide your “buy one get one free coupon”. By
doing this it will give you double savings on this
item. Be sure you can buy only one item with your
coupon first.
If you are 55 or older and shop at Albertsons
on the first Wednesday of the month, you will get
10% off your entire order! Be sure to tell the
checker you are a senior.
By watching the price of every item in your
shopping cart at your favorite grocery store and to
watch as they are scanned. If any item scans the incorrect
price at Albertson's, King Soopers or Safeway
and you catch the error you get the item for
free. If you are buying more than one of the incorrectly
scanned item you may get all for free.
In most cases you will get the first item for free
and then they correct the price any other items
that may be miss-priced At Sunflower Market,
take your receipt to be refunded for the miss
priced item.
I have found that shopping for big produce,
Sunflower & Sprouts Market are the most
economical. They run weekly specials on
Wednesday’s, no coupons needed. By shopping
on Wednesday you get to take advantage of two
weeks worth of specials; the week before and the
week after.
In addition to all of the above savings,
there are two great discount grocery stores in the
Denver area. They carry items the major grocery
stores no longer want. Some of these items
have passed or come close to their expiration
date. The freight comes on a open truck. The
Friday Store is located at 5636 Newland Way in
Arvada, CO 80002, (303) 422-8562. This is east
of Wadsworth, west of Marshal and south of
58th Street. It is only opened on Friday and Saturday
from 9 AM – 5 PM. Be sure to get there
early, sometime if they are not busy, they will
close early. The second is the Dacono Discount
Grocery (303) 833-5005, They are closed Thursday
and Sundays to restock their shelves. They
are the size of a small grocery store. It is worth
the drive. Take the second Dacono exit from
Denver M52, go east on 52 or Mineral, turn right
at the light Glen Creighton Dr. The store is on
your right. 913 Carbondale Dr.
I hope these ideas will help you save on your
next grocery bill.
Kathy W.
Economy Busting Source
Economy Busting Source
This column will be dedicated each month for Economy ideas or suggestions to save money and time.Here some examples:
-Best price in town for gas?
-Coupons from the best web sites or periodicals?
-Special deals on commodities, such as cars, computers etc., big or small ticket items
-Movies-Entertainment-Inexpensive and time saving recipes
-Is your company offering any good sales etc.?
-Do you know of any buy one get one free? Pulling together monies w/someone that may be interested in the same item.
-Would you like to promote your goods and services, that are competitive or below market prices, w/specials etc.? (We will make room in this column for you)
-Exchanging services - etc.; an oil change & tune up for 2 hours worth of house cleaning.
We look forward to hearing your suggestions.
Posted by Michelle at 10:18 AM
This column will be dedicated each month for Economy ideas or suggestions to save money and time.Here some examples:
-Best price in town for gas?
-Coupons from the best web sites or periodicals?
-Special deals on commodities, such as cars, computers etc., big or small ticket items
-Movies-Entertainment-Inexpensive and time saving recipes
-Is your company offering any good sales etc.?
-Do you know of any buy one get one free? Pulling together monies w/someone that may be interested in the same item.
-Would you like to promote your goods and services, that are competitive or below market prices, w/specials etc.? (We will make room in this column for you)
-Exchanging services - etc.; an oil change & tune up for 2 hours worth of house cleaning.
We look forward to hearing your suggestions.
Posted by Michelle at 10:18 AM
Laid Off from Work?
Here is a great offer if you have been laid off from you job since the beginning of this year, Kaiser Permenete is offering about 70 of its different perscription drugs for FREE. The drugs include several diabetes, cholesterol fighter; such as lipitral, and even viagra.
Source: 9news.com
Source: 9news.com
Sunday, May 10, 2009
Friday, May 8, 2009
Important Computer Information
Remember before disposing or donating your computer, you need to delete the hard drive. This will ensure that all of your personal information, such as bank records etc., do not get into the wrong hands.
Friday, April 3, 2009
Get you Forever Stamp
There will be a postal price increase on you first class postage stamp on May 12th. The current price of a stamp is .42 cents., the increase will be .02c cents, for a total of .44 cents.
You may avoid these increases by buying a forever stamp.
On February 11, 2008, the United States Post Office announced that postal rates will increase again in May 2008. The price of sending a first class letter last increased on May 14, 2007.
Typical costs:
Until May 12, 2008, the cost of sending a first class letter (up to 1 ounce) costs 41 cents. Each additional ounce adds 17 cents, so the price to send a typical 2 ounce wedding invitation is 58 cents.
On May 12, the cost of a first class letter will increase one cent to 42 cents. However, a "Forever" Stamp purchased before then can still be used to send a first class letter. The United States Postal Service has 5 billion 41 cent forever stamps in stock in anticipation of the increased demand before the rate increase.
Sending a postcard will also increase by a penny from 26 cents to 27 cents.
Sending a Priority Mail envelope or letter up to 1 lb currently costs $4.60. Priority Flat Rate Boxes cost $8.95. The Post Office has not yet provided the new rates for Priority Mail.
Details on the new postal pricing in 2008 are available at the US Postal Service website.
You may avoid these increases by buying a forever stamp.
On February 11, 2008, the United States Post Office announced that postal rates will increase again in May 2008. The price of sending a first class letter last increased on May 14, 2007.
Typical costs:
Until May 12, 2008, the cost of sending a first class letter (up to 1 ounce) costs 41 cents. Each additional ounce adds 17 cents, so the price to send a typical 2 ounce wedding invitation is 58 cents.
On May 12, the cost of a first class letter will increase one cent to 42 cents. However, a "Forever" Stamp purchased before then can still be used to send a first class letter. The United States Postal Service has 5 billion 41 cent forever stamps in stock in anticipation of the increased demand before the rate increase.
Sending a postcard will also increase by a penny from 26 cents to 27 cents.
Sending a Priority Mail envelope or letter up to 1 lb currently costs $4.60. Priority Flat Rate Boxes cost $8.95. The Post Office has not yet provided the new rates for Priority Mail.
Details on the new postal pricing in 2008 are available at the US Postal Service website.
Thursday, April 2, 2009
Tax Season Is Upon Us
CHILD CREDIT
Overview
Cut your tax bill by up to $1,000 for each qualifying child.
Once modified adjusted gross income (MAGI) exceeds $110,000 if Married Filing Jointly, $55,000 if Married Filing Separately and $75,000 for all other filing statuses, the credit amount decreases by $50 for every $1,000 (or fraction of $1,000) it exceeds the limit.
If your credit is limited by your tax and your earned income is more than $8,500, you may be eligible for the additional Child Tax Credit. You also may be eligible for this credit if you have at least 3 eligible children and the Social Security and Medicare tax you paid is more than your Earned Income Credit. What is the Child Tax Credit?The Child Tax Credit is a credit worth up to $1,000 for each qualifying child. If you have 4 children, the credit can cut your tax bill by up to $4,000. Remember, a credit offsets your tax bill dollar for dollar. A child must meet 5 criteria for you to receive child-related tax benefits. He or she:
must be your son, daughter, stepchild, foster child, brother, sister, stepbrother, stepsister or a descendant of any of them
must be younger than 17 at the end of the year
must not have provided more than half of his or her own support
must live with you more than half the year
must be a U.S. citizen, U.S. national or resident of the U.S.Note: Beginning with the 2009 tax return, the child must be your dependent and the child must be younger than the person claimingthe credit.Child Tax Credit for Individuals with Higher IncomesThe Child Tax Credit is available regardless of your filing status. However, your credit is reduced if your modified adjusted gross income (MAGI) is more than:
$110,000 if Married Filing Jointly
$75,000 if Single, Head of Household or Qualifying Widow(er)
$55,000 if Married Filing SeparatelyFor every $1,000 (or fraction of $1,000) your MAGI exceeds the trigger point, you lose $50 of credit. For example, if you file a joint return and your MAGI is $115,000, the extra $5,000 exceeding the limit would reduce your creditby $250. So if you have only 1 qualifying child in 2008, your credit would be $750. If you have 3 qualifying children, your credit would be $2,750 ($3,000 minus $250).Additional Child Tax CreditThe Child Tax Credit can't reduce your tax below zero. However, if your Child Tax Credit is limited by your tax, you may be eligible for the additional Child Tax Credit, even if your tax liability is zero. You may be eligible if:
your taxable earned income is more than $8,500 (for 2008)
you have 3 or more eligible children and the Social Security and Medicare tax you paid is more than your Earned Income Credit If you qualify, you'll need to file Form 8812
Overview
Cut your tax bill by up to $1,000 for each qualifying child.
Once modified adjusted gross income (MAGI) exceeds $110,000 if Married Filing Jointly, $55,000 if Married Filing Separately and $75,000 for all other filing statuses, the credit amount decreases by $50 for every $1,000 (or fraction of $1,000) it exceeds the limit.
If your credit is limited by your tax and your earned income is more than $8,500, you may be eligible for the additional Child Tax Credit. You also may be eligible for this credit if you have at least 3 eligible children and the Social Security and Medicare tax you paid is more than your Earned Income Credit. What is the Child Tax Credit?The Child Tax Credit is a credit worth up to $1,000 for each qualifying child. If you have 4 children, the credit can cut your tax bill by up to $4,000. Remember, a credit offsets your tax bill dollar for dollar. A child must meet 5 criteria for you to receive child-related tax benefits. He or she:
must be your son, daughter, stepchild, foster child, brother, sister, stepbrother, stepsister or a descendant of any of them
must be younger than 17 at the end of the year
must not have provided more than half of his or her own support
must live with you more than half the year
must be a U.S. citizen, U.S. national or resident of the U.S.Note: Beginning with the 2009 tax return, the child must be your dependent and the child must be younger than the person claimingthe credit.Child Tax Credit for Individuals with Higher IncomesThe Child Tax Credit is available regardless of your filing status. However, your credit is reduced if your modified adjusted gross income (MAGI) is more than:
$110,000 if Married Filing Jointly
$75,000 if Single, Head of Household or Qualifying Widow(er)
$55,000 if Married Filing SeparatelyFor every $1,000 (or fraction of $1,000) your MAGI exceeds the trigger point, you lose $50 of credit. For example, if you file a joint return and your MAGI is $115,000, the extra $5,000 exceeding the limit would reduce your creditby $250. So if you have only 1 qualifying child in 2008, your credit would be $750. If you have 3 qualifying children, your credit would be $2,750 ($3,000 minus $250).Additional Child Tax CreditThe Child Tax Credit can't reduce your tax below zero. However, if your Child Tax Credit is limited by your tax, you may be eligible for the additional Child Tax Credit, even if your tax liability is zero. You may be eligible if:
your taxable earned income is more than $8,500 (for 2008)
you have 3 or more eligible children and the Social Security and Medicare tax you paid is more than your Earned Income Credit If you qualify, you'll need to file Form 8812
Get you Credit Report for FREE
Looking to get your credit report free? There are many offers out there that say you can get it for free, however there are many hidden charges.
It is a federal law that you may receive a free credit report annually. That web site address is: www.annualcreditreport.com
It is a federal law that you may receive a free credit report annually. That web site address is: www.annualcreditreport.com
March’s Economy Busting Source of Ideas:
1) Did you know that you could dial the information line for free? This can be from either your land locked line or cell phone. I don’t know about you, my cell phone company charges me 1.25 a pop. This is promoted through Google.com it is 1-800-goog-411. It’s FREE (They have nearly all local & national businesses)
2) Here is a great way to save money, as well as doing your part to save energy. Sign up for the “Saver’s Switch”, with Xcel Energy. This helps manage short-term spikes in demand for electricity on extremely hot days. It is easy, Xcel comes out and puts a devise onto your air conditioner. This not only will help you save on your electricity bill, but they refund you a total of $40.00 on your October bill.
1) Did you know that you could dial the information line for free? This can be from either your land locked line or cell phone. I don’t know about you, my cell phone company charges me 1.25 a pop. This is promoted through Google.com it is 1-800-goog-411. It’s FREE (They have nearly all local & national businesses)
2) Here is a great way to save money, as well as doing your part to save energy. Sign up for the “Saver’s Switch”, with Xcel Energy. This helps manage short-term spikes in demand for electricity on extremely hot days. It is easy, Xcel comes out and puts a devise onto your air conditioner. This not only will help you save on your electricity bill, but they refund you a total of $40.00 on your October bill.
Economy Busting Source
Economy Busting Source
This column will be dedicated each month for Economy ideas or suggestions to save money and time.
Here some examples:
-Best price in town for gas?
-Coupons from the best web sites or periodicals?
-Special deals on commodities, such as cars, computers etc., big or small ticket items
-Movies
-Entertainment
-Inexpensive and time saving recipes
-Is your company offering any good sales etc.?
-Do you know of any buy one get one free? Pulling together monies w/someone that may be interested in the same item.
-Would you like to promote your goods and services, that are competitive or below market prices, w/specials etc.? (We will make room in this column for you)
-Exchanging services - etc.; an oil change & tune up for 2 hours worth of house cleaning.
We look forward to hearing your suggestions.
This column will be dedicated each month for Economy ideas or suggestions to save money and time.
Here some examples:
-Best price in town for gas?
-Coupons from the best web sites or periodicals?
-Special deals on commodities, such as cars, computers etc., big or small ticket items
-Movies
-Entertainment
-Inexpensive and time saving recipes
-Is your company offering any good sales etc.?
-Do you know of any buy one get one free? Pulling together monies w/someone that may be interested in the same item.
-Would you like to promote your goods and services, that are competitive or below market prices, w/specials etc.? (We will make room in this column for you)
-Exchanging services - etc.; an oil change & tune up for 2 hours worth of house cleaning.
We look forward to hearing your suggestions.
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