A site for budget savvy women, moms and mommas who are on a budget trying to save a buck. Together we will discuss how to save more, earn more and create more money in our homes. P.S. Dad's can peek too!
As a friend of Budget Savvy Mommas, you and your friends are invited to use the Associate Discount from JC Penny! You’ll enjoy an extra 20% off almost everything in stores, jcp.com & catalog! Plus, get additional savings on some of your favorite styles and services.
extra 20% off almost everything in our stores, jcp.com & catalog!
extra 10% off baby gear, electronics, floor care, personal care & fitness, furniture & mattresses, small appliances and catalog outlet stores.
extra 15% off styling salon, optical & portrait products
Don't forget to share this offer with all your friends!
Want free furniture, a place to stay, or even a bike? Thanks to the Internet, it's fairly easy to find a wide variety of free products and services.
Dozens of websites are dedicated to helping you locate stuff your neighbors want to unload, opportunities to swap what you no longer need, ways to find giveaways from businesses, and more.
Obviously, seeking out free stuff is great for your budget, but it can also be good for the planet. Reusing things, for example, keeps valuable items out of the landfill and saves the resources needed to make a new product from scratch.
Here are some of the best ways to find free stuff:
Log onto Freecycle and other reuse groups to search listings of items being given away by people in your town.
Craigslist has a whole category dedicated to "free stuff" for each of its participating cities. Find everything from cardboard boxes to electric sewing machines to computer games.
Search for free reusable items with the Local Reuse application on your iPhone.
CouchSurfing connects travelers with hosts around the globe. The result: You get both a free place to stay and locals to hang out with for an inside glimpse of other cultures.
Favorpals is all about helping you trading skills and favors. Clean someone's house in exchange for dog walking when you're at work or for tutoring your kid in math. Or offer painting services and get help with designing a website.
You can trade anything from babysitting and calligraphy lessons to pianos and foosball tables to cars and boats at U-Exchange.
Swap books, music, DVDs, or video games via mail through Swaptree. Print a postage label right from your computer for easy mailing.
You can trade clothes, accessories, shoes, and even cosmetics at Swapstyle.
Get free new jewelry at Silver Jewelry Club. What's the catch? This jewelry manufacturing company is looking to get the word out about its designs. Be prepared to pay modest shipping costs.
MyOpenBar.com helps people find free (or cheap) drinks in New York, Los Angeles, San Francisco, Chicago, Honolulu, and Miami.
Environmental journalist Lori Bongiorno shares green-living tips and product reviews with Yahoo! Green's users. Send Lori a question or suggestion for potential use in a future column. Her book, Green Greener Greenest: A Practical Guide to Making Eco-smart Choices a Part of Your Life is available on Yahoo! Shopping and Amazon.com.
Ok every one as you know I am always looking for a sale or something free. After reading alot about this topic I tought it was time to introduce you to the world of CVS and all it major deals if you are not already familiar with them. If you are a current CVS shopper please post any ideal of comment that you may have. But if you are a noobie like me please continue with the steps below so we can start saving a buck!
First, you will need to get a CVS card.
It is just like any other grocery store or drugstore loyalty card. You probably have several already. The cashier scans your card and you get a discount on your groceries. The difference in the CVS card is that you don’t get a discount up front, but you get Extra Care Bucks following a purchase. How do you get a CVS card? The best way is to ask the cashier for one at the store. You’ll fill out a quick form and they’ll give you a card that day. This is the best scenario because you’ll be able to use the card right away. You can, however, get a card online HERE.
The next thing you will need is a CVS weekly flyer and a CVS monthly booklet.
The weekly ad is just like any store circular. It will have all the deals including a couple of items that earn ECBs (or Extra Care Bucks). For example, one of the items in this week’s flyer is the Excedrin 10ct. Vial for $2.49. Under this it says you’ll get $2.49 ECBs – making it “FREE” with a limit of 1. Let’s say you just decided to get this one item. You take it to the checkout. It will ring up $2.49 + tax. You will have to pay the amount. But, then you’ll get a receipt and at the end of the receipt it will say you’ve earned $2.49 ECBs. Don’t loose this receipt! This little “coupon” at the end of your receipt is just that – a coupon! You can cut it off and keep it and use it just like cash on your next transaction. It will take $2.49 off your total.
Ready for Transactions:
Okay now that you have your card and your flyers you are ready to decide what to buy and plan your transactions. You can also use this blog to help you.
Of course items that are “FREE” after ECBs are going to earn back all your money with little effort. Let’s say this week Gillette deodorant is on sale for $3.99 and you’ll earn $3.99 and the Excedrin is $2.49 and will earn you $2.49 in ECBs. You don’t have any coupons. So your transaction goes like this:
Buy Gillette deodorant $3.99 Buy Excedrin $2.49 Final Total: $6.48
You'll pay $6.48 + tax and at the end of your receipt you'll get 2 ECBs. One will say $3.99 and the other will say $2.49. So, you earned a total of $6.48 in ECBs - your products were "free."
Now, the next step - using manufacturer's coupons with transactions:
Let's take the same scenario as above but this time you've brough along a coupon for Excedrin for $2 off and a BOGO (buy one get one free coupon) on the Gillette deodorant. Your transaction will go like this:
Buy (2) Gillette deodorants $3.99 each (total:$7.98) Buy Excedrin $2.49 Final Total: $10.47 Use $2 coupon for Excedrin Use BOGO coupon for the two deodorants Final total after coupons: $4.48
You’ll pay $4.48 out of pocket +tax and at the end of the receipt you will receive an ECB for $2.49 for the Excedrin and another $7.98 for the deodorant (assuming there wasn’t a limit of one). So, you earned a total of $10.47 in ECBs to spend like cash next time – even though you only spent $4.48!
Now let's make it more confusing! =)
Using CVS $/$$ Coupons:
Every now and then CVS releases $/$$ coupons. These come in the newspaper, online, and every now and then they’ll print on the end of your receipt or in your email! These coupons are in denominations of $2/$10 (meaning $2 off of a $10 purchase), $3/$15 (meaning $3 off a $15 purchase), and $4/$20 (meaning $4 off of a $20 purchase). These can be used in addition to manufacturer’s coupons. So, let’s take the same transaction as above one more time:
Buy (2) Gillette deodorants $3.99 each (total:$7.98) Buy Excedrin $2.49 Final Total: $10.47 Use the $2 off of $10 coupon (it is important to use this coupon FIRST while your total is over $10). Use $2 coupon for Excedrin Use BOGO coupon for the two deodorants Final total after coupons: $2.48
You’ll pay $2.48 out of pocket +tax and at the end of the receipt you will receive an ECB for $2.49 for the Excedrin and another $7.98 for the deodorant (assuming there wasn’t a limit of one). So, you earned a total of $10.47 in ECBs to spend like cash next time – even though you only spent $2.48!
The goal in CVS shopping is to pay very little out of pocket and take home products you can use and products that you NEED.
So, each week or so you’ll want to use your ECBs to pay for your purchases instead of using your cash.
Let’s say I did the above transaction. I only spent $2.48 my first week of CVS shopping and I brought home 2 deodorants and a bottle of Excedrin. Not very exciting, but I can use both products or donate them and I have $10.47 to spend the following week. (Note: you can use your ECBs immediately after they print but let’s just say I did one transaction a week to keep it simple). The following week I look at my flyer and determine that toothpaste is $2.99 this week and will earn me $2.99 in ECBs and a pack of Bic razors are $6.99 and will earn me $4 in ECBs. I decide those are things that will earn me the most bucks and they are items I can use. I also have a $1 off coupon for the toothpaste and a $2 coupon for the razors. As you can see I am basically making $1 off the toothpaste and paying only $1 for the razors. I also really need milk this week and would like to try to see if I can pay for it with ECBs to take that off my grocery budget. So my transaction goes like this.
Buy (2) toothpastes $2.99 each ($5.98 total) Buy razors $6.99 Buy Milk $3.99 Final Price: $16.96 Use $3/$15 CVS coupon Use (2) $1 off toothpaste coupons Use $2 razor coupon Final total after coupons: $9.96 + tax Then, I use my $7.98 ECB from last week
That means I spend $2.02 cash and I earned another $5.98 ECBs for the toothpaste and $4 ECB for the razors. That is a total of $9.98 in ECBs for next week to spend (plus the $2.48 ECB from the Excedrin the week before I haven’t used yet). So, I took home more products I can use and the milk I needed plus I have MORE money to spend next week!
That is the goal with CVS shopping – to keep “rolling” (using ECBs from last week this week) your ECBs over and “growing” (making more ECBs this week then you had the last). Some weeks are bad, you may roll your ECBs and lose a few. Other weeks are worse, you “blow” your ECBs. But, no worries, you can always do better next week. Don’t give up over one bad week!
Just remember: when you get to the check out you’ll need to follow these steps:
Present your card to the cashier so she/he can scan it.
The cashier will scan all your stuff.
Present an $/$$ CVS coupons
Present any manufacturer’s coupons
Pay with ECBs*
Pay the remaining balance with cash
*You will NOT get change on your ECBs. If your total is $8.23 and you have an ECB for $9 the cashier can scan it but you won’t get the $0.77 back. You could throw in a candy bar or something and make sure to use it all up. Otherwise you’ll be throwing away “money.”
Well I thought I would post this for all my readers out there that are into fashion but refuse to pay full price. Here are 11 stores that are closing throughtout the US. Since I know I have reader from everywhere I wanted to let you know where you get some of the latest fashions for less. All store closing sales will be starting next week from what I was able to find so make sure you check out one of these stores if it local.
Department-store operator Macy's Inc. is closing 11 underperforming stores in nine states. Here is a list of which ones are closing:
— Ernst & Young Plaza (Citicorp Plaza), Los Angeles. (136 employees, opened in 1986)
— The Citadel, Colorado Springs, Colo. (105 employees, opened in 1984)
— Westminster Mall, Westminster, Colo. (110 employees, opened in 1986)
— Palm Beach Mall, West Palm Beach, Fla. (71 employees, opened in 1979)
— Mauna Lani Bay Hotel, Island of Hawaii, Hawaii (3 employees, opened in 1983)
— Lafayette Square, Indianapolis (84 employees, opened in 1974)
— Brookdale Center, Brooklyn Center, Minn. (72 employees, opened in 1966)
— Crestwood Mall, St. Louis (176 employees, opened in 1969)
— Natrona Heights Plaza, Natrona Heights, Pa. (124 employees, opened in 1956)
— Century III Furniture and Clearance, West Mifflin, Pa. (3 employees, opened in 2000)
— Bellevue Center, Nashville, Tenn. (76 employees; opened in 1990)
Well I was just sitting here and the best thing ever heard in awhile came out of the Radio. Sears has brought Layaway back for the Christmas season!!!. I am extremly happy because I didn't know how I was going to give my children a good Christmas. So there is now some hope!!!
Layaway first became popular during the Great Depression back when people was planting Victory Gardens! But after several decades of consumers getting used to whipping out the plastic and getting instant gratification it faded away, but now some experts believe the return to more frugal values is a much-needed change.
For all you online shoppers layaway has gone online at eLayaway.com. The website by a Tallahassee company offers online layaway services for about 1,200 retailers, including Gap, Apple and Bass Pro Shops.
I hope this helps out some one out that was nervous about this years gift giving.
Are you planning to spend less on gifts this holiday season? Well if you still desire to get primo gifts for cheap from the major retailers, most would agree that the best deals come during “Black Friday” (the Friday after Thanksgiving.)
With retailers desperate to meet sales goals during this bleek holiday season, you will start see a lot of “Black Friday” kind of deals early this month. Stay on top of all the door-buster deals by subscribing your email address at bfads.net
You will be the first to know about the latest and greatest door buster deals that will lead up to Black Friday, including special sales and clearance items that are not heavily promoted (like $298 HP Laptops.) You will get early access to Black Friday items lists from major retailers like Wal-mart, Target, Best-Buy etc.
Once you get all the info on the best deals on the items you want, you pick and choose which stores you will battle out in and which stores you plan to skip. Have Bargain Shopping!
I just found this site where you can save some cash for christmas and also make some. It s called bigcrumbs, and it all free!!!!
Your free BigCrumbs membership allows you to earn BIG cash back at eBay and 341 top stores. Simply start your shopping at BigCrumbs.com and click our links to visit your favorite stores, then shop as usual.
That's it. Your purchases will credit to your BigCrumbs account at the retailers' listed cash-back rates.
This will also work with those of you that have ebay stores.
You can still look beautiful without going broke. Stop wasting cash away to these top money wasting culprits:
Buying Department Store Mascaras – Mascaras only last a couple of months and drugstore mascara perform just as well. If you are in a mood to splurge on a dramatic lash look, invest in eye lash extensions instead.
Impulsive Shopping Mistakes – Just because an outfit is on sale or clearance, doesn’t make it a good deal. Here’s a general rule when shopping the clearance racks: If the item isn’t good enough where you would pay full price for it, then skip it.
Gym Memberships – If you not going to your gym at least twice a week, this is a waste of money. Purchase workout videos or used workout equipment to exercise in the convenience of your own home. Or meet up with a friend to go walking or jogging outside.
Dry Cleaning certain clothing items you could hand wash yourself.Certain items like evening tops/shirts can be easily hand washed yourself. Coats, suits and evening dresses are more price-appropriate items to send to the dry cleaners.
Manicures– A weekly manicure can cost between $12 - $40 a week. If you wear natural nails, manicures are VERY simple to do yourself. It’s generally more sanitary and will save you money. If you must go to the nail salon, I recommend going for your pedicure (as they are a little more cumbersome) and doing your own manicures at home.
Buying brand names for basic skin care/beauty products. According to smartmoney.com is it better to buy generic for your basic skin care needs. (The exception would be anti-aging products that contain exotic or complex ingredients. In this case, always buy the premium brand.) Review their chart below
Ok every one as you know I am always looking for a sale or something free. After reading alot about this topic I tought it was time to introduce you to the world of CVS and all it major deals if you are not already familiar with them. If you are a current CVS shopper please post any ideal of comment that you may have. But if you are a noobie like me please continue with the steps below so we can start saving a buck!
Are you planning to spend less on gifts this holiday season? Well if you still desire to get 
