Monday, November 30, 2009

My Monthly Saving Money Post.


Pennies, Nickels, Dimes, Quarters, Dollars, Yen, & Euros make up the evil lil thing called Money. At the end of each month I try to do a post about the money I saved this month. I do have a Math Bachelor’s degree so I’ve been trying to parlay it into helping people in one way or another. This month & the next are going to be hell with spending. Everybody’s budgets are going to be stretched this month due to the holiday season, including mine. I’ve spent so much money getting ready for Christmas already. Thankfully I get paid tomorrow. *Sigh of Relief*. But I did do a few things to save some extra pennies & noticed a few traps of the holiday season that I’d like to share.

Saving Money Tips of November:

1.Sales Filer Deals: A sales filer in the newspaper may say “Lowest Prices of the Season” but there is a possibility you can get things cheaper. If you’ve found out you are hosting the Holiday dinner this year & need to decorate…well choose to go to Target, Walmart, Kmart, Walgreens, Rite Aid, Home Goods, Michaels for lil extra trimmings. I know labels can be important to people but if it isn’t save a lil money on that table cloth or wreath.

2.Store Credit Cards: People usually cringe when you say, “Just Open another Credit Card” because all those credit score commercials can actually be scary. BUT if you are constantly shopping at a store & they do have the offer to get a store credit card AND you’d get more discounts if you use it…well why not get it? Your shopping in the store already a lot, why don’t you use it to your advantage. I opened a Kohl’s Credit Card on Saturday & actually got an extra 25% off my bill.

3.Pay Attention to Your Receipts!!!: We are only human. From personally working retail about 8 years I know sometimes keys on the cash registers stick. Sometimes you’ll swipe your card twice. Other times you’ll see one price on the rack or shelf & it will ring up as another price. It happens, it’s nobody’s fault, but it’s good to be aware of “What your buying” & “How much it cost”. Make sure to check your credit card bill too for duplicate charges.

4.Make a Christmas or Hannukah List for People: The urge to just buy things gets the best of us. The act of buying can be Sooooo Much Fun!!! But if you keep to a list & try to not steer too far away from it, maybe you won’t Over spend.

5.Interest Free: These words are beautiful to hear. When people make big purchases like TV’s, Dishwashers, Gucci Purses, they are tempted to choose a payment plan so they can pay a little bit each month. That’s such a great concept. I recently bought my laptop & payed it off Interest free in about 5 months. NOW, here’s the catch. Make sure you can pay for your big purchases in the Interest Free months because if they are not, you will paying an additional percentage to your payment each month after the interest free zone is over.

6.Coupons: I have free Kohl’s cash because I shop there frequently. I give the sales associates my email address for further coupons in a lot of stores. I know Kohl’s has it, Bath & Body Works, & Victoria Secret. Getting coupons in the mail for nothing rule.

7.The Minimum Payment : Just paying the minimum sounds great. But if your credit card takes on interest every time you don’t pay a certain amount, you will be paying extra money that you may not have in the future.

Those are just a few things to get the ball rolling for you. It seems like people just do what they got to do in the holiday season & forget about the bill. Make sure you can enjoy your holiday without extra worry.

I'm trying desperately to eliminate any stress I can for the holidays. I actually recommended to my mom that her, my dad, & me do our little Christmas together on Christmas Eve night so we can enjoy each other. I'm an only child too so it's really just us in the house. We run around to everybody else on Christmas so we don't get a non-tiring minute to ourselves. She agreed that Christmas Eve night would be for us. It made me happy.

Yes, I'm trying to be festive. I even wore red today & lil earrings that looked like snow. They were actually only $2.45 marked down in Kohl's. They look wintery so God knows why they were out in the summer. Here are the earrings...I think Snow...no?


Good luck everyone with the sales, the shopping, & the madness. I hope maybe one of those tips can help ya!

If you can think of any other ways you are going to save money this year for the holidays I'd love to hear them too. =)

22 comments:

Leah said...

Thanks for the tips Melanie. I always create a Christmas list but most of time I go overboard on my purchases. Case in point, I'm wrapping some gifts today and I noticed there are extra 5 gifts with nobody to give it to.

Love your earrings!

Kristin said...

Very sage advice lady! I'm so guilty of not checking my receipts. Gotta work on that!

CMA said...

gorgeous darling
i simply adore your blog, keep it up!
love it
thanks for sharing
and thanks for the sweet comments

-cma
check out my blog @
cosmicaroline.blogspot.com

Pixel Wild Child said...

I can't find any other suggestion for saving money, I think your list is very complete! Maybe I could just add having a boyfriend/husband in charge of the home economy... puts you off so much to listen to him that you avoid exagerating in your shopping! ;O)

Secretia said...

Melanie, that is a great idea to pay attention to the receipts. Stores make mistakes, and not all cashiers are honest.

Secretia

Caroline Cakewise said...

These are always so useful!! And best of fortune with train/Myspace boy, sounds intriguing... xx

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Scientific Housewife said...

One way I am able to save money and cut down on credit card debt is starting my Christmas Shopping in October. If I do a little at a time, I will eventually have everyone's gifts and not need the credit card to buy everything at once. Great post :)

Bathwater said...

I just love Khols it is the only store credit card I will use. They are always sending my things and their clearance racks are the best!

Jennifer Fabulous said...

Awesome tips, Melanie! I love it when you do these save-money posts. They really are a lifesaver, especially since so many of us readers are young and struggling (at least I am...if you have a reader who isn't, tell them to adopt me! Lol).
Since the economy has finally tried to strangle me this year, I have already done most of my shopping in advance with the use of amazing sales. For instance, a month ago Avon was having this amazing sale where these $20 jewelry sets were only $5! I snatched up one of every kind for all my girlfriends and female relatives. They are so pretty. The sale just ended and they are back to $20 now! Omg. And then Black Friday was a lifesaver b/c I got the rest of my presents at dirt cheap prices. Yay!

The only person I have left to shop for is my dad. So that is what I will be using these tips for. :P

Great post!!

ChinkyGirLMeL said...

Oh wow. Great tips. And they come in pretty handy since the holiday season is just around the corner. For gifts I am usually able to save a lot more if I buy wholesale. Or when I find something I really like I tend to look at each store that sells it and try to go with which ever one is cheaper but I also take not of the quality of the item. =)

Keith said...

Those are definitely some great tips. Thanks for sharing those with us. I do hope your week has started off well. Cheers!

Little Ms Blogger said...

We do a grab bag and pay cash since I'm unemployed this year.

Marshall's and TJ Maxx great for home stuff.

Susan R. Mills said...

Great tips! Thanks for sharing. I'm always up for saving a little money.

Tights Lover said...

These are all great tips. I have an accounting degree myself and still can't manage to save a dime...hahaha!

I love the snowflake earrings!

drollgirl said...

excellent tips! it is quite a thrill to get a deal in life, especially now-a-days!

and thank you for your sweet comment. i am GIDDY. and i am sending you a hug (you can back away if you don't want it). :)

Sarah Von said...

Fantastic suggestions! I'm afraid I need all the help I can get this holiday season.

I just wanted to thank you for entering the giveaway of my calendar over at Oh Mishka! We've got a few left for sale, if you're still keen for one (cough, shameless self-promotion, cough) ;)

jayne said...

never open a Banana Republic card, they're really finnicky

Dustjacket Attic said...

Oh thanks honey for all the great tips. I just think your earrings photo is so cute! Good on you festive babe.
xxx

Simply Colette said...

Thanks for the tips! I love these posts. :) you so remind me of me. Each month I even add up home much I paid off in debt, and compare it to last month etc. Happy Christmas shopping! I got a lot done this weekend. :)

Cee said...

I agree with you on the store credit cards. I think as long as you pay them off right away you can really get some great savings!

Dina's Days said...

Great tips. There are so many "fun" ways to save money. I put myself on a serious shopping ban, it was hard at first but now that I see my account starting to grow back again, it's so rewarding!

Stop by! www.dinasdaysblog.blogspot.com

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