Sunday, January 13, 2008

Cheaper Doesn't Mean A Better Value



When I was a beginning saver, I used to think that cheaper was always the best way to go. Then I grew up and realized that value is what really matters. For example, I could buy store brands (or other brands) of dishwashing soap that are cheaper, but they are mainly water. Whereas a bottle of Dawn has 40% more cleaning ingredients per drop than these other brands and one bottle lasts longer because of the cleaning power. It gets my dishes sweet smeeling clean. Plus, I usually have coupons for my favorite Dawn products.

The product I'm really hooked on right now is the apple scented Dawn that performs a double duty: it's a dishwashing soap and an air freshner as well. That's twice the bang for your buck and that's my idea of value!

Keeping it clean!

Ellie Kay
www.elliekay.com
America's Family Financial Expert (R)

Wednesday, January 9, 2008

A Great Time to Save on Groceries!



Well, he did it again! Jonathan, our second to the youngest, went to the store with me and used his own coupons to buy some protein bars, healthy snacks and drinks for his "Matheletes" competition this week. He used several "savings factors" and his bill started out at $14.30, but he only paid $2.13.

The first thing he did was to buy items on sale, the second savings factor was to use a store coupon, then he combined a manufacturer's coupons and we went to a double coupon store. That's FOUR savings factors for this fourteen year-old. If he can do it, YOU CAN,TOO!

An average family of four, eating carefully, with an annual income of $46,000 will spend $136 a week. Because the cost of food is on the rise, this average family will see a 4% increase in 2008, or an annual food cost of $7354. However, there IS a way to cut these costs dramatically, just as Jonathan did.

Another way to save involves a great new site that http://www.about.com/ calls "The Google of Grocery Savings" is http://www.mygrocerydeals.com/ . They list specials from over 250 retail chains, 750 versions of flyers and approximately 25,000 weekly advertised specials. You can join for free, they offer nutritional information on 100,000 grocery products, and there's even a "coupon gallery."

As with any site I mention, please do your own research and remember to set up a "junk mail" account for registrations. You can also select whether you want to recieve additional information or not (which will help with junk mail).

If the average family I mentioned earlier only saves 30% on their grocery bill in 2008, that's over $2200 that they could use to pay down debt, go on a vacation, or pay for their kids college!

You Can Save Great in 2008!

Ellie

Monday, November 26, 2007

Bob's Million Dollar Bargain




As many of you who have read my books already know, I'm a born saver who married a born spender. I was born six weeks early, on Dec 28th, just in time for my parents to get another income tax deduction. Bob was already working, pulling weeds at the age of seven, but his money never saw the inside of his pocket. Over the years, he's learned to spend less and I've learned to spend more and we've come to balance.


Bob's latest venture is saving money on the ultimate remote control airplane! He says that spending 1.3 million per airplane for jets that are destined to get blown up (without him in them) is a "real bargain" for the government. He even mentioned that I made him promise he wouldn't fly them for free when he went to the job interview four years ago! For the complete three minute news story and to see what my Beloved does in his free time, just go to:
http://www.myfoxphoenix.com/myfox/pages/InsideFox/Detail?contentId=5028894&version=2&locale=EN-US&layoutCode=VSTY&pageId=5.7.1


Happy Flying!


Ellie Kay

"America's Family Financial Expert" (R)



Black Friday


Black Friday (the day after Thanksgiving) was a blast at our house! Bob and I wanted to "sleep in" until 4:15 AM but Bethany and Jonathan didn't want to wait that late, so they were in the Wal-mart line at 3:45 AM and we joined them at 4:30. Did you know that Wal-mart will match any store's sale ad--even on Black Friday?
Everyone had their assignment and had different items to snag when the doors opened. I had all the other stores' loss leaders ads with me and only had to go to ONE STORE to get all of our area bargains. For example, I got a 30GB Zune MP3 player that was on sale at Toys R Us for only $79 and I got it at Wal-mart by showing my Toys R Us ad. One friend, who went to Toys R Us that morning said they ran out before she could get one! I also showed ads to save $300 on a Garmin navigational system (Staples) and seasons of our fave television series, "Monk" for only $12.99 (Circuit City). Of course we took advantage of Walmart's loss leaders, too, such as an $89 Sony digital camera that is normally $250. Bob bagged a Chicken Dance Elmo (yes, it's Elmo in a chicken suit) that dances and sings and he saved $20 in the process. Bob had a diabolical gleam in his eye as he thought of our son-in-law having to put up with his sweet little boy pushing that chicken dance button over and over and over again! As Bob says, "Payback is a bummer!"
We were in the store by 5:00 AM and completely done with the bulk of the season's shopping by 7:00 AM. We spent a total of $350 and saved a total of $750 off of retail! That's saving twice as much as we spent in keeping with my Half Price Holidays theme!

Remember to de-stress this holiday by making a budget, sticking to it, and scheduling time for the things that matter most (like our annual chocolate house creation at the Kay home).
Happy Savings!
Ellie Kay
"America's Family Financial Expert"

Friday, November 16, 2007

Diapering on the Cheap



A new dad watched his eight week old daughter for the first time while his wife attended a women’s conference. When she returned, six hours later, she was eager to learn how he fared in her absence.
“How did she take her bottles?” she asked.
“Just fine, no problem, she took one every two hours for a total of three,” replied the confident father.
“How many times did you change her diaper?” she queried.
“I never changed it” he responded.
“You never changed her diaper?” she asked incredulously, “Why not?”
“Well,” he reasoned, “the diaper package said that it was good up to ten pounds and we weren’t even near the ten pound point.”

~********~

Diapers are a major expense in a family’s budget and yet there are ways to save money in this area that are fairly painless.

Coupons – Your mother may have told you “buy items on sale and use a coupon.” That’s still good advice. But where do you find coupons on your favorite diapers?
· Manufacturer’s Website – If you sign into these sites to receive their promotional offers, you can also get coupons. A few of the most popular websites for diaper manufacturers are: http://www.huggies.com/, http://www.pampers.com/ , and http://www.luvs.com/ . For a variety of baby coupons go to http://www.momsview.com/ or http://www.freebabycoupons.com/ .

· Toll Free Numbers – Call the diaper manufacturer’s toll free number, tell them how much you like their product, and ask them for coupon promotions. For instance, 1-800-PAMPERS or 1-800- NO LEAKS (Luvs)


Internet Diaper Sites – There are some sites that will ship diapers at a discount. It’s important to add postage and handling to the final cost and to check out the site with the Better Business Bureau found at http://www.bbb.com/ . For example, at http://www.diaperdandy.com/ we discovered 192 medium diapers for $33.00 plus $6.92 shipping.


Ebay – You can find almost anything at ebay. We found 180 medium diapers for $29.99 with free postage and handling and 140 newborn diapers for $14.50 + $5.00 P&H. Be sure the diapers are in their original package and are unopened. Also, be sure to factor in shipping (if any) and choose a seller who has high feedback ratings with a reasonable number of total reviews.
Happy Diapering!
Ellie Kay
America's Family Financial Expert (R)

Thursday, November 8, 2007

Talking Turkey!


It's the MOST, wonderful time of the year!! No, not Christmas--but Thanksgiving. Early November is when the Sunday paper has loads of FSIs or Free Standing Inserts, filled with tons of coupons. By following my layer-upon-layer of savings, I'm getting lots of food for pennies or free. For example, yesterday my bill before savings factors was $123.56 and I only paid $22.01 for a cart full of groceries. Look at it this way:

Duncan Hines brownie mix regular price $3.19

Sale price is $1 per box a savings of - 2.19

Manufacturer's coupon is $1 off 3 - .33 @

Double coupon store-another $1 off 3 - .33 @

Total Price I pay .34 cents per box

Here are the savings factors:

Store Cards
These are sometimes referred to as “clipless coupons.” Sign up for the card at the customer service desk and as it is scanned at the checkout, you will receive all the store’s special values for the week.

Sale Ads
The store’s weekly sale ads either come in the mail or are a part of the mid-week newspaper inserts. Match up the sale ads with some of the other savings factors listed and you’ll soon find yourself with products for pennies.

Manufacturer’s Coupons
These are traditional coupons issued and reimbursed by the manufacturer. If you
ead the fine print of the coupon, you’ll see the manufacturer’s name and mailing address. Here are a few places to find these coupons:

Double Coupons
Some stores offer “double” coupons. This is where the coupon is worth twice the face value—so a .50 coupon is now worth $1.00. There are limitations issued by the store, such as “only double up to $1.00” so check the customer service desk for details. Go to the links page at elliekay.com to find a link listing all the stores that double coupons in your state. http://couponing.about.com/cs/grocerysavings/a/doublecoups.htm

Unadvertised Sales and Clearances
Check the store aisles for sales and clearance tags. As much as 50% of the weeks’ sales are not advertised.


Web bucks

Watch for signs in the store, telling you you'll get certificates/coupons at the register for purchasing these items. The cash back certificate can be used on your next shopping trip.

Price Comps

Some grocery stores, including Wal-mart superstores http://www.walmart.com/ will match competitor's ads. Just take in the sale ads from all your local grocers to that store and you'll get the sale prices from the ads. It saves time and money.

Happy Shopping!

--Ellie Kay

America's Family Financial Expert (R)

http://www.elliekay.com/

Monday, October 15, 2007

Online Bargains--Layer the Savings!



  1. One of the ways we helped military families save money overseas was to give them tips to "layer the savings." Here are the steps to save big online:

1. The first step is to go to http://www.mysimon.com/ or http://www.shopbot.com/ which are shopping robots that will search the internet for your item to find the best deal possible.

2. Once you've found the best deal, the second step is to go to a code site such as http://www.dealhunting.com/ or http://www.couponcabin.com/ to find the codes you need to save even more. Sometimes these codes are for free shipping, gifts, or discounts.

3. The final step is to get a rebate for your shopping, by going to http://www.ebates.com/ . If you have an account and get your friends to sign up under your account, you can earn $5 per referral. There are hundreds of participating online sites that will give you a rebate off of your purchases and you get a check at the end of each month.

CAUTION: To avoid spam: Be sure you deselect any "offers" made while signing up for a site. I also recommend that you use a "throwaway" email address to sign up and not give your primary email address. For example, I use ellieKayJunk@aol.com and check the site once a month or so.

Here's an email from one of our audience members in Europe to encourage you to save money like she does:

Dear Ellie Kay,

I would like to tell you how wonderful it was to have you speak at our Key Spouse meeting at Spangdahlem AB this past week. Your tips were great --I bought a bunch of clothes and with your tips and a $25 gift card I earned from mypoints.com I spent only $14!-- and they really do work and are easy to do. Your military topics touched my heart and made me proud of what I am doing here for my husband as well as other spouses. Thank you for telling our story to the world and for being an inspiration.Thank you so much!

Sincerely,Christina Aiken

HAPPY SAVINGS!

Ellie Kay

America's Family Financial Expert (R)

http://www.elliekay.com/