Shopping Tips We Use To Save Money

Shop and Save The Smart Way Advertisers are brilliantly skilled when it comes to making us believe we are getting more for our money but we have the final say in what we buy. Strategically planning your shopping means you invest some time in saving money in your budget. Shopping can and does cause people to spend more than they earn which leads them to run out of money before the end of the month.  Don’t let that happen to you. Shop smart and plan your shopping and you will see that  the time you invest in your shopping will pay you back over the long-term. Shopping tips we use to save money Shop for Coupons:  We look for online coupons before we shop – Nearly every major company in Canada has a website and includes coupon codes, promos and printable coupons. Keep an eye out for coupon codes that also promote free shipping as that sometimes can add up when you check out. We also use coupons that the manufacturer has put out for consumers. Shop In Bulk:If there is a product that we use often and the price is right we buy it in bulk. For example: We like to […]

Newlyweds: How We Avoided Debt on One Income

Although we avoided debt on one income it certainly was not easy as Newlyweds. By no means would I consider my husband and I “rich”, conventionally speaking, but we have been able to stay debt free, from paying for our wedding to buying a new car. With the exception of a mortgage, which we’re paying off at a crazy fast pace, we live debt free, on a single income. We don’t have a wallet-full of credit cards, we avoid financing anything, and we always have an emergency fund. My husband and I are very fortunate, in that we chose to live on one income, instead of being forced into this lifestyle through job loss. My husband and I decided early on in our marriage that I would be a stay-at-home wife, and he would be the traditional bread-winner. It was definitely difficult, a newlywed couple in their early 20’s trying to live on one income. There were times I considered getting a job, thinking how easy things would be with a second income. Eventually, I caved and took a job at a local shopping mall, getting home each night when my husband was just getting ready for bed. We might have […]

Being Budget Savvy with the Guest Room

Being Budget Savvy with the Guest Room One of the things many of us with financial problems dread most is having guests. Yes, believe it or not more than the tax man, more than a blind date, and more than going to the dentist hosting others can be a major headache. It’s not that we dislike people but a strange feeling comes over us that although our homes are the perfect setting for us they aren’t the best match for guests. We worry our humble abodes don’t have what it takes and as a result creating a setting for friends or family is too pricey a venture. This, however, is far from the truth. Much of what it takes to establish a modest guest room can be done on a simple budget and in most cases once it’s set up maintaining it is easy. That being the case, with the summer vacation season fast approaching here are a few tips for designing a guest room on a budget in time for the summer guests. Locale Guest rooms can be in just about any space in the home as what matters most is how you intend to use it. For instance, […]

Buying Clothes from Second Hand Shops..Is it worth it?

Do you shop at Thrift Stores? Many of these second-hand shops offer new or gently used clothing, accessories and household items for a fraction of the cost at a retail store. Who wouldn’t shop there first, right? Wrong! Some people take a look around them when they attempt to walk in a second-hand shop to make sure no one they know is around.  Myself I waltz right in as I just love second-hand shops. Tip: If you are worried what your neighbour or mate might say because they see you in the store ask yourself this “If they see you then you must see them” so what? Who cares? The stigma put on second-hand shops that they are for the poor or for starving students is WRONG. These stores such as Value Village, The Salvation Army Thrift Store ( Sally Ann)  have grown in popularity in exponential rates over the past decade. Why? The answer is easy many people now see the value in second-hand items. They also see the savings and understand  the cost to the environment and the re-use value.  Most clothing if not donated ends up in clear bags ending up in our landfills. We need to […]

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