Archive for the ‘Life’ Category

Coupons Online, Who’d a Thought!

posted by Heidi

onlinecouponsBusy, busy, busy. Work. Home. Kids. Husband. House cleaning. Shopping. To do lists. Wow! Life is crazy, so much to do, so little time. Plus life on a budget, including a very tight grocery shopping budget equals frustration! I hear all the time how people are saving hundreds on groceries by becoming a coupon guru and shopping around from store to store. That’s great, for them, but I don’t have that kind of time. I have one hour and one late afternoon devoted to my grocery shopping duties. Plus finding, clipping, and saving, I’m not great at that. So what’s a girl to do?? Coupons.com to the rescue!

Recently, through a blog, I found Coupons.com . A great site filled with useable, brand name coupons to use almost anywhere. All you have to do is sign up, don’t worry it’s FREE, and download their Print Coupon application. You’re all set to save! On the first of every month they post new coupons that are available to print until the last day of that month. It’s so easy, just check the coupons you want as you search through the list then once you’re done, click on print coupons. Now all I have to do is remember to print them out before I go!

How do you save on your groceries? Do you clip & cut? Do you find deals online? Let us know how you save!

Reunited and it Feels so Good, but it Isn’t Cheap

posted by Jason

highschoolreunion2It always seems like summer time is the time to go to reunions: family reunions, high school reunions, and friends that went away for school and are back for the summer.

Well, I recently received a message inviting me to my 10 year high school reunion and I thought, “Has it been 10 years already?”

So as I was looking at the cost of tickets to go to this thing I saw that they were $25 for a single and $35 for a couple (plus, the price is going up if you don’t order your ticket soon).

With the cost so high, what is it that makes, specifically class reunions, so expensive? Is it the entertainment? The dinner? The rental of the facility that it’s at? Because if I did end up going, it would be more for seeing my old friends from high school and see what they are doing.

So here is my question to you, what do you love about reunions? And how do you celebrate and reunite with friends and family at a cheaper cost? Let us know.

Online Purchases

posted by Marne

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Once Upon A Time, I learned how to buy things online. It was life changing, really. Sometimes this life-altering change was good - other times bad. Kind of like a superpower. I’m here to tell you of the dangers involved with making online purchases and some tips to avoid them.

One of my all-time favorite websites is called Etsy. It’s basically an online boutique where people who hand make products can sell them to people all over the world. Why do I love it so much? Cause, I’m slightly obsessed with Peter Pan (the original story by J.M. Barrie is amazing) and there’s all kinds of Peter Pan stuff on Etsy! I bought a necklack with a charm on it for $5! Chalk one up for me! On the same day I purchased this necklace I found a wallet I liked too. So, with great excitement and anticipation for my items I purchased them and camped next to my mailbox with baited breath. The necklace came. The wallet didn’t. It’s been a month and I’m still camping out by my mailbox. Unfortunately, this happens when purchasing things online. I do admit this is the first time I’ve ever had a problem with online purchases in my years of this practice, but it was bound to happen.

Here are my tips for successful online shopping:

  1. Look At The Merchant Reviews: Often times, underneath the product you’re going to buy, there’s the name of the person or business actually selling you the items (this is most commonly seen on Etsy, Amazon, Ebay, etc.). This is actually a link, if you click on it you’ll be taken to a page with their name, information on how long their account has been active and reviews of people who have bought items from them in the past. Read the reviews! The reviews will talk about how long it takes to receive items from this seller, the quality of the product, the accuracy of their order, etc. This page will give you a great idea if the person selling items is trust-worthy and honest about what they send and when they say they’ll send your items.
  2. Use Trusted Websites: Sometimes it’s still nerve-wracking to purchase items from websites with a lot of different merchants. You can find confidence in purchasing from larger companies online such as Overstock, Amazon, retail clothing stores and well-known brand names. You will have professional correspondence and they’re far more reliable. One benefit of using the larger retail online stores is the ability to return clothes and other items that don’t fit to stores near where you live or in neighboring cities.
  3. Keep a Close Eye on Your Account: Sometimes there are glitches in the electronic processes of your transaction and your account may be billed twice or not at all. Make sure if either of these happens you talk to your financial institution to get the problems resolved. There is nearly always a way.
  4. Solving the Occasional Problem: Sometimes, as in my case, you don’t receive your items. Sometimes you’re billed too many times like I mentioned. Sometimes you get a different product than what you had ordered. It’s best to always involve the merchant first and go from there. If you have contacted them first and they are not able to solve the problem on their end, go to your financial institution and see the best way to proceed. There are often forms to fill out that different departments will use to research your situation.
  5. Trust Your Gut: If you don’t feel good about a particular transaction don’t buy it! You can usually live without it and if you can’t just keep looking! If something seems off it’s because something could be. Trust yourself and use good judgment.

For me, it’s just a waiting game now. I’ve contacted the merchant, didn’t hear anything back and have just sent up my form to hopefully have the situation fixed. I will be a little more careful about not making purchases based solely on a product I’m in love with though. What are your practices for online purchases?

How Much For TV?

posted by Heidi

tvLately, I’ve been feeling the “money pinch”, like a lot of other people out there with the current economy. So recently my husband and I sat down to take a look at our expenses, we wanted to see where we could cut back or what we could cut out entirely. As we were going down the list, my husband says, “WHAT?? We’re paying $85 for satellite TV every month? Are you kidding??” Nope I wasn’t kidding.

We never really realized how much we were paying every month for our very convenient, very nice, but very expensive TV provider. (I’m sure other people out there are spending more than we are.) However, what we didn’t realize is that we watch most of our TV Shows, News, Movies.. etc online, for free, well plus the cost of Internet services. So, we decided to keep our Internet and cut out satellite TV.

Well the shut off day finally came and I was apprehensive. I didn’t know whether we would be able to really live without our USA, TBS, TNT, Discovery, History, HGTV, DisneyMTV… etc with the convience of our satellite (and DVR). We hooked up our TV to an antenna and we signed up for Hulu and Netflix to help keep us up with our shows and movies. The day came and went and we didn’t really notice a difference, other than we don’t have the TV on as much as we used to. We’re spending more time outside (things might be a little different when Winter starts), we’re playing more with our kids, we have more time to read our books, and we don’t miss our satellite, not at all! It feels really liberating to be free of the monthly cost of our satellite.

This also got me thinking about satellite and cable’s future. With more and more people watching TV online, more shows are becoming available online and other technology tools will soon be coming to the masses; GoogleTV and HuluPlus, just to name a few. Wonder where the relationship of TV and the Internet will take us in the next 5-10 years. Something to ponder about.

Do you have satellite or cable services? Is the price worth it? Were you aware of  how many TV programs are currently available online? Have you cut back on any other “entertainment” costs?

Learning Financial Independence!

posted by Heidi

acn-credit-score-vs-debt-reliefI was never a really BIG spender until I started working and moved away from the parents, but I still had some control. My parents taught me early about starting a savings account and saving for those BIG purchase items I wanted. I would put 10% away in my rainy day savings account and then however much I wanted toward my big purchase, usually 20% or 30% of my earnings. The rest I would use, go to a movie with my friends or to the mall. I rarely asked my parents for money and I’ve had my own money since I was old enough to babysit.

However, they never taught me about credit card debt. In High School my parents did help me get a credit card in my name to buy new tires for my car and I was able to pay it off pretty easy with no worries. However, when I got to college, I got pre-approved credit card deals in the mail, credit card flyers with my purchases at the school book store and stores would give me the opportunity to save money on my purchase if I applied for their credit card. Who could resist? I had a card for everything and used all my new credit cards on anything I wanted. Before I knew it debt was pilling high, but at least I was making enough to get me out of the hole I had dug!

That was a hard lesson to learn, but at least I learned it quickly before too much debt pilled up. Credit Cards are great tools, but they can lead you to your ruin! Did anyone ever teach you how to save money or how to stay out of debt? If so what advice would you give someone who is just learning about financial independance?

Verna Oller, little old lady and secret stock picker, leaves small town $4.5 million

posted by YNF

Verna Oller was feisty and frugal to the very end of her 98 years — and the children of Long Beach, Wash., will forever be grateful.

Oller, who refused to even purchase showlaces or even cut her own hair. The former fish filleter amassed $4.5 million through savvy stock picks — she was a master investor. She went to the library and read Barons and the Wall Stree Journal. She donated all of her investment savings to her home town so it could build the swimming pool she never had as a kid, that was her main goal, along with scholarships and grants for local teachers.

From ABC News:

The sturdy old lady with no formal education amassed a not-so-small fortune: $4.5 million. It was up over $5 million before the recession. Before she died, she directed Guy Glenn to spend every cent of it, but not on her, on her home town.

“I think we could all learn a lot from her,” nursing home owner Andrea Nooman said in a segment aired on ABC News. “She was very simple but very kind and giving.”

Save On Your Big Day

posted by Bryson

I’ve been thinking of marriage recently (not that I’m getting married anytime soon) and how expensive a wedding day really is. I’m a wedding photographer, so I know that pretty much everything dealing with a wedding is going to cost a lot. All you have to do is tack the word “wedding” onto anything, and the price for it goes up exponentially. Wedding cake, wedding photography, wedding video, wedding luncheon. You get the picture.

So, how do we save on things when it comes time for our big day? Well, one way I’ve decided is to ask your friends. Odds are, you’re going to find that some of the people you know are going to be able to help you for a lot less. One of your friends might be able to make you a cake, one might be able to take your pictures, one might be able to make you a video.

The point is, you don’t always have to pay exhorbitant prices for your wedding. Just look to your friends to help you. And you never know, the cake your friend makes might taste better than any professional one.

Hey Utah, We’re Making it BIG on Forbes List

posted by Jason

For some reason I have always been a fan of Forbes lists. Doesn’t matter what it is−who has the most money, best schools in America, or what companies are doing the best in the economy−I just want to know.

Well, Utah has made another one of their lists AGAIN. That’s right, we are really making our mark with Forbes.

So what was it this time that makes us so amazing? Well, apparently two areas in Utah are in the Top 10 for Best Places to Raise a Family. According to forbes.com Ogden-Clearfield was ranked number 6 because it’s crime is low, educational prospects are solid and most people can readily afford the daily essentials.

The other ranking we got was number 5, Provo-Orem area because it’s a bustling college town, home to Brigham Young University, but it’s not just a great place for students. According to forbes.com, families flock there for its safety and schools; “It has the highest percentage of high-school graduates on our list and one of the lowest crime rates.”

So what do you think? Do you think there are more places here in Utah that should be on the Forbes list for best places to raise a family? Let us know and check out this video on how to find the best place to live.

I Challenge YOU!!!!

posted by Lacey

Have you ever wondered, “Where did all of my money go?” Are you a continuous spender of random stuff and then wonder why you had bought what you had in the first place or simply don’t know what you have even bought? Welcome to the world of random spending and it’s effects on your bank account!

92231139With these questions on your mind, I challenge you! I want each of you to think of one thing that you could give up financially for one month. Do you think you can do it? I am not asking or challenging you to not make a car payment for a month or something critical, but to give up something smaller.

For example, I am going to be giving up buying specialty coffees for one month. I tend to be lazy and don’t always want to make my own coffee.  Buying coffee instead of making my own, I tend to spend anywhere from$ 5 to $10 a week! I could be saving up to $40  a month!

With that said, what will you give up for one month? How much could you or how much have you saved?

Self-Control - Do you have it?

posted by Bryson

Extreme Shopping #3Okay, we’ve all asked the same question: “How do I save?” and we’ve all heard the same answers: “With a dedicated savings” “With a money market account”. All that jazz. But, I got to thinking about what it really takes in order to save and I think I figured it out. The one thing that you need in order to save is: Self Control.

The definition of self control in the dictionary is this:  The activity of managing or exerting control over something. I know it sounds like something you’d hear from your mom, but it’s true all the same. If you’re wanting to save, you’re going to need to exercise a bit of self control. As simple as it sounds, it can be hard.  And before you know it, you have a shopping cart full of items you never needed in the first place!

When you’re out shopping, only buy what you set out to buy. When you see something you’d like to have, but that you didn’t intend to buy when you left your house, don’t buy it. That’s called impulse buying and it’s a sure way to spend more money than you need to. The same goes for food shopping. That’s why I always make a list of what I’m planning to buy. It helps me to control what I’m buying.

Now, if you’re already in the habit of spending your money as soon as you get it, this isn’t going to be an easy thing. It sure wasn’t for me. You’re going to have to work at it. But, if you do, you’re going to be saving more and spending less, which is a good thing.

So, just work on exercising some self control when it comes to your spending. It’s really going to help in the long run.


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