The SECRET(S) to SAVING!

Growing up my family (especially my mom and grandmother) instilled ways in me to save money when shopping. It was never about name brands but finding the best value for your money.

Now with my own family I am always finding ways to find the best value and stretch our funds. Below are a few secrets I have used that  helped my family save time and money. Note: We are a family of 3, these tips work for us but feel free to change them to fit your family and the area you live in.

SAVESAVE

1. Pair coupons with sales and/or discounts. This is great way to save even more money. And there are plenty of coupon websites out there now that will show you were the item(s) is on sale in addition to provide a link to a coupon. One of my favorites is For the Mommas. I also like Hunt 4 Freebies. I have found free items as well as coupon match-ups.

2. Make a weekly or monthly grocery list based on menus. This has helped our family GREATLY! How many of you have pulled out everything to cook dinner for the night and realized you forgot an item. (I am  guilty of this). Tip: Buy items that don’t need much preparation, very few ingredients or need to be thawed out. Sometimes after a long day it’s hard to get motivated to cook but if it’s quick and simple it makes it so much easier.

3. Buy staple, non-perishable items in large quantities. Buy these items when they are on sale. I do this with items like: hair products, toiletries, pasta, canned foods, dry snacks, etc. Most of these items I use every week so I know they will get used and they have a longer shelf life. Tip: If you have a large family buying staple items from stores like Sam’s Club, BJ’s Wholesale Club or Cosco is another great way to save. In our area BJ’s Wholesale Club excepts coupons, but Sam’s Club does not….and their prices are about the same.We saved money on our little one with things like  diapers, wipes, baby snacks,etc. Just keep in mind there is an annual membership fee.

4. Develop relationships with your grocery/retailer. Ask the cashier or manager when shipments come in and plan your shopping trips closer to those days (Shoot for the day after because the store has had time to restock the shelves). You will usually get the first pick in the event something runs out.

5. ASK for rain checks. Most stores will honor a rain check (unless specifically stated in the ad) on sale items for up to 30 days. Make sure you ask for one if the store ran out of the sale items you were looking for.

6. ASK for military, teacher or senior discounts. Although a majority of retailers offer these discounts most don’t advertise so you have to ask. And many will give you the discount in conjunction with a sale item. Military discounts also apply to military spouses (with id) as well.

7. What to do you get a FREE gift card in the mail. Retailers like JCpenney offer these cards 3 to 4 times a year. And it’s a FREE $10 card with no purchase. The key is not to spend $100 but use the card like a gift card and only buy something that cost $10. I use these as treat for myself or gift for someone else.

8. Check your local thrift stores. I shop in thrift stores all the time and find really good deals, sometimes the items are brand new. Tip: Try shopping at some of your smaller thrift stores, the items are still quality but you will pay less. Although I do shop at Goodwill some of their prices can be just as expensive as a traditional retail store. Tip 2 : Add a little vinegar to your wash to get out the smoke odor some clothes may have. Bonus: Shopping at thrift stores helps the community and gives to a good cause!

9. Buy certain items from certain stores. When I make my list I usually make it according to the store I am going to buy it from. Example: Walmart, Dollar Tree, Dollar General: Snacks, cereal, plastic ware, party ware, cleaning supplies etc. Publix, Winn Dixie: Produce, meats, fruit, etc. Tip 1: I look at all the advertisements first before making the list to check what store may have the item(s) I need on sale. Tip 2: It also helps me map out where I need to go and I can save gas by just shopping in one area hitting all the stores I need to pick up items from. Bonus: Walmart now matches BOGO sales from its competitors so you can just go to Walmart and pick up everything. This is great, but it doesn’t always work for me with a screaming baby and only 2 lanes open (just my opinion and experience).

10. Wow it’s only on SALE! Don’t just buy items because they are on sale or cheap  (I am SO guilty of this). Buy because you will actually use it or give it to someone. Those sale dollars add up quick!

11. Reward Cards. Most stores now offer reward cards that are FREE to get and can help you save money the more you spend.  Winn Dixie even helps you save on gas with Shell gas stations. I frequently shop at Walgreens and I have a rewards card. You can earn points which equal money off of your next purchase on certain items. However, I recently found out that their reward card doesn’t apply to Medicare or government (military) insurance card holders. So you don’t get reward points on your prescriptions purchases. Tip: Only get reward cards from the retailers you shop at frequently, the more you spend with your favorite retailer the more points and money you can potentially save.

12: Store Brand. Try some of the store brands or “off” brands many of them have the same ingredients and taste or work just as well as the major name brands.

13. Site to Store. Many retailers offer consumers buying items from their website and shipping to the store for FREE. This is a great way to save gas and keep from driving all around town. Check with you favorite retailer about the details. Tip: Schedule your pick up date for the day you go shopping and you can get everything in one trip.

14. Check items you usually buy. Always look at items in the store you usually buy they may just be on sale. Retailers don’t advertise all their deals.

15. Double check. Always, Always, double-check expiration dates on items you buy. (Especially with smaller sized retailers like Dollar Tree and Walgreens…they typically don’t stock their shelves as often). Always, Always double-check pricing and your receipt. I have gotten over charged many times by cashiers ringing up products too many times. I always check what they are doing and double check the receipt.

16. Buy items/ingredients for multi-use. Example: When I buy ground turkey (1lb )…one night I use 1/2 lb and make spaghetti, the next night I make tacos or mini burgers. Two to three meals with one main ingredient.

17. Eating out. If you have young kids eat out on the days kids eat FREE or discounted. Most restaurant have a special on Tuesdays or one day during the week. Make the days you eat out during the week and if on Saturday try to do lunch time. The meals are usually less expensive and some restaurants even offer a lunch portion for a lesser price during their dinner hours. Just ask.

BONUS: When buying items don’t just look at using them in the traditional sense.

Example: I didn’t want to carry a diaper bag and purse so I purchased a Timi and Leslie diaper bag (image on left) that looked like a purse, but functioned like a diaper bag (it was over $100). So when it was time to replace and downsize but still have compartments for diapers, snacks and a sippy cup I looked for another diaper bag but ended up buying a regular purse instead (see image below) It was only $10 (image on right) and it served its purpose plus it was the exact same color as the first diaper bag so I was still able to use the stroller straps, insulated cup holder, and small handbag. You will also noticed that when products are specifically marketed for one use they typically come with a higher price tag.

 

timi and leslie transformed 2

I hope these secrets have helped you examine how you and your family can save money and time shopping. Please feel free to change them to fit your family and the area you live in. If you have secrets you would like to share  please leave them in the comments below.

felicia (125 Posts)

Felicia Wright is the mompreneur and branding strategist of Mygani LLC, a service-based marketing firm that helps women entrepreneurs in develop effective and engaging brands. Felicia's keen listening skills give her the ability to be a major visionary; empowering her clients to excel in life and in business!


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Make sure you aren’t paying more than you need to for things like your mobile phone, cable TV, fuel and broadband, and if you have a gym membership but can’t remember the last time you were there, cancel it. The more you have left after paying your bills, the better your chances of passing the affordability test. What is the affordability test? Every application for a mortgage or a remortgage is subject to an affordability assessment, and this is the case no matter what the credit status of the applicant might be. Potential lenders will look at income versus expenditure, taking everything into account, to arrive at a debt-to-income ratio. Since June 2014 the Financial Conduct Authority’s recommendation is that the debt-to-income ratio should be no higher than 45 for an offer of a mortgage or remortgage to be made. If you want to do a quick, rough calculation to see where you stand, then: make a list of all income you will receive over the year and divide by 12 (if all your income comes in monthly, just add it up) add up all your monthly bills – mortgage, credit card, etc. – then list all your other bills, whether quarterly, annual or whatever; add the monthly cost of these additional bills to your original total divide your monthly expenses by your monthly income and multiply the answer by 100, which will give you your debt-to-income ratio, expressed as a percentage The lower the number, the better. You can lower your debt-to-income ratio by either reducing your debt or increasing your income. What if you can’t wait for your credit score to improve over time? For those in need of a more immediate remortgaging solution, there are specialist lenders who work with applicants with low credit scores, offering deals that cannot be obtained from high street lenders. So if your need is urgent and you are asking yourself, ‘Can I remortgage with bad credit?’ the answer is ‘yes’. Get in touch today for free initial advice and no-obligation quotes from our team of experienced bad credit brokers. How can we help? Just Mortgage Brokers have experience of working with property owners at all levels, from those who are relatively new homeowners to highly experienced landlords with extensive property portfolios. We also have unlimited access to the UK mortgage market and many years of experience of working with a network of bad credit lenders across the country. That means we are not restricted to products from any one particular lender but can work with a diverse range of specialist lenders to secure the remortgage deal you require. This combination of impartiality and unlimited market access gives us the very best chance of obtaining a competitively priced bad credit remortgage. We know exactly where to turn to find a mortgage to suit the particular needs of each and every client, regardless of their credit history. If you have a history of bad credit and are looking to remortgage a property, speak to Just Mortgage Brokers today to get the right deal for you.

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We are asked regularly, ‘can I remortgage with bad credit?’ Many borrowers want to know specifically which types of credit issue are acceptable, so below we have created a list and outline what is and isn’t possible when getting approved for a remortgage with bad credit: No credit history Low credit score Late payments Missed mortgage payments Defaults CCJ’s IVA’s Debt management Schemes Repossessions Bankruptcy Payday Loans And mortgage customers with multiple credit problems There are all sorts of different reasons customers look for a bad credit remortgage, including: Debt consolidation (bad credit mortgage refinance) Looking for a better rate Capital raising to purchase something (house/car/holiday etc) Let to buy remortgage with bad credit (remortgaging onto a buy to let and moving home) Marital split (remortgaging to buy out ex partner) Raising money for investment purposes (that not all lenders consider) If you’re looking for any of the above, or are simply just seeking some information, please get in touch and we’ll have one of the experts offer you the advice you need. How to remortgage with bad credit: Bad credit remortgages are a tricky thing to explain in one article and still make it relevant for everyone, because every situation is different. Lenders have certain criteria but then for certain customers, it may be possible to overturn a case that would usually be a decline, if it is a strong proposition for a lender regardless. Sometimes, customers with huge savings and great LTV’s can obtain bad credit home mortgage refinance deals regardless of their credit history. Below is a step-by-step guide of the best way to remortgage for bad credit customers, to help them prepare for applications and to assist them in gathering the right info for us upfront, so we can be best placed to offer the right advice. Don’t go to your bank! This is a very important step. I know it sounds so biased coming from a mortgage broker website but it’s true. We are NOT anti-banks, we all need them. We are pro helping you get what’s best. Your bank is only ever in it to make a profit for themselves. There’s good money in mortgages and as the market is so competitive, these single bank advisers are taught to gain commitment from enquiries as soon as possible. This minimises the risk of you strolling into the bank next door and finding a better rate, or worse, going online. As such, they are actively encouraged and often targeted to credit score any customer willing to sit in their office – great if you don’t want to shop around and have clean credit – not great if you’re looking for poor credit remortgages or want the best deals you can get. Credit scoring with a lender that won’t lend to you is an unnecessary and damaging process, that can often leave you in a worse position because a further credit score has been added to your file. Get your credit report Before you do anything (even before you don’t go to your bank), you need to find out what you’re working with. To remortgage with bad credit history it is vital to understand which issues will effect you, and how to overcome them by finding a lender or repairing your credit file. Remember: It’s what’s on your file that’s important, so any late payments or other issues that haven’t been registered with a credit reference agency won’t usually matter. The only exceptions to this are when you are applying for a mortgage with your bank, where you may have exceeded on overdrafts or credit cards or had issues with other arrangements like direct debits bouncing etc, and your bank keeps a record of them on your account. These can be things they take into account with their mortgage credit scoring system, but aren’t usually required to report to credit reference agencies so only your bank would know about them. In these instances where your bank may give you a low or medium score because of issues on your account, other lenders outside of that banking group may give you a higher score – Something to keep in mind if you’re struggling to work out why you’ve been declined. Also, it’s often the case where we help customers who have never checked their file and fear the worst, often having buried their heads in the sand, to then go on to find out things aren’t as bad as they thought. Actually, its surprising for a lot of people what is available in terms of bad credit remortgages in the UK, and that there are lenders out there with flexible criteria that still have competitive rates. NOTE: We advise you sign up for all three of Experian, Check My File, and UK Credit Ratings. Each lender uses a different one and often times they show different information. It’ll take an extra 5 minutes but if you’ve had problems and have been declined with a lender before, then it’s very much worth it. You will NOT be penalised or scored any differently for searching your own credit file with these agencies – credit score is only affected by applications for credit. AND – ITS FREE! Sign up for the free trials below and order your reports now. Sign up for your free trials here… Get your credit rating Find a broker… Establish your Loan to value (LTV) Work out the property value and the amount of deposit/equity you’ll have after the new mortgage, to define the LTV. This figure is important because lenders base their criteria around the different LTVs, where those with higher LTVs must have better credit ratings than those with lower LTVs. Customers at 90 usually require good credit scores and clean (or very light) adverse credit, customers at 85 can qualify with lenders with mild adverse credit or severe but historical issues, and customers at 75 or less can often get mortgages with heavy adverse credit issues (depending on how recent they were). Establish affordability The broker must also check the loan you want is within the lenders limits. This is true of any mortgage, not just remortgages for bad credit. They tend to work out based on a multiple of your annual income – a rough guide is 4x. So for a borrower on £50k the max might be £200k, however, certain lenders can offer up to 5x and in special circumstances go above and beyond this. The figures used by lenders changes when it comes to deciding what is and isn’t classed as income – usually the basic salary (or net profit for sole traders/partnerships, or directors salary + dividends if ltd company), is used for the full value. Other income such as overtime, bonuses, other employed income, and state benefits, may either be taken 100, or as a lesser percentage, or not counted at all. 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