beauty

How to Use Coupons and Weekly Ads to Save Money on Groceries

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Groceries are one of the biggest expenses a family has, next to rent or a mortgage payment. A family of 4 spends over $700 a month on groceries! That’s astronomical to me! Even though we do it as a family of 4, it still blows me away! It’s no wonder families in America live paycheck to paycheck, IF they can even make it to the next paycheck!

As the household finance manager (fancy title, eh?) it is my job to make sure the bills get paid, that we have enough money left over to buy groceries, put gas in our vehicles and for other incidentals that happen between paychecks. It is also my job to try to have enough left over to put in our savings account. Let me tell you, it’s hard to spread the money out! But one of the easiest places we can save money is on the grocery bill! How is that you may be asking? I will show you.

Clipping coupons (and/or printing them online) is one of the best ways to save money on groceries. However, clipping coupons can be time consuming, takes some organizational skills and needs to be done on a regular basis to get the most for your money.

How to get started using coupons:

You can go right now to coupons.com and print off coupons. They post new coupons every month and you can usually print off 2 or more.

When choosing coupons to print, be sure to choose items that you already use, or that you are sure to start using. Say you usually buy a certain brand of cereal but you have a $1.00 off coupon for a different brand, you will most likely use the other brand.

The smartest way to use coupons are to purchase the smallest container allowable with the coupon. If you have a coupon for $1.00 off a box of rice, check the coupon to see if there are any size requirements. If there are, get the smallest size allowable at the lowest price. Then when you have 2 identical coupons for the same item, you can purchase 2 of the smallest size containers and get the biggest savings.

Also check your grocery stores weekly sales ads. You can double your savings by using coupons on sales items. This is where some planning and organizing comes in.

Once you get going with using coupons, the next thing to do is start stocking up on dry goods, can goods, frozen goods and paper goods. The idea is to get enough groceries built up so that you only have to buy perishables on your trips to the grocery store. Obviously your grocery stock will deplete as you use items, so you will need to continue printing and clipping coupons to replenish your non-perishables as they come on sale.

How to organize your coupons:

You will want to get some sort of coupon organizer that’s easy to tote and easy to use. You will want it …

gift

Saving Money Tips and Ideas

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Saving money at the grocery store is most likely your best bet when you are trying to budget especially for those with children. Do not go without coupons because it’s just too easy to use them and you save tons of money. Two websites that are full of coupons are coupons.com and another favorite is The Krazy Coupon Lady. She has a great blog as well as a huge database of coupons just about anything you are looking for. Another thing that is helpful is eating at home. You wouldn’t believe how much money you spend eating out. Try cooking every night to break it up and make it a little more fun. There are millions of websites that offer great recipes. Do a Google search and you will find so many and it will save you money each week.

If you do like to eat out, try these tips. Avoid alcohol beverages, they will increase your bill to a massive amount. Watch the appetizers and desserts as well. Ask your waitress before ordering about their specials. Go to lunch instead; the lunch menus are always cheaper. You get the same food for a lesser price. Check early bird specials or late night discounts. When you go with your children you can go places that offer free kids meals with a paying adult. Look for coupons for restaurants online as well.

Before buying clothes for your children check the internet for deals, coupon codes and sales. If you like shopping online there are coupons for everything. Join Ebates at it’s free to join and as a matter of fact you get a $10 gift card just for joining. Each month they send you a check for a percentage of what you spent. You can also save on clothes for your kids by going to consignment shops. They usually have great clothes that have hardly been worn.

Furniture is the same way. Go to Goodwill or hand me downs. If it looks rough put a coat of paint on it and it will look brand new again. You may like new furniture and you may feel like you are cheating your child out of new furniture. Your family and children won’t notice and friends and family members will be impressed by your craftiness and your thriftiness.

Go to discount stores for decorating your home or children’s rooms. Many times you can find great home decorations at the discount stores. Get ideas from department stores, websites or anyplace advertising decorations and recreate the look with items from thrift stores and discount stores.

Want to take the kids to a movie? Go to the matinée if there is one. Many times theaters have deals where if you buy certain size popcorn and drinks you can get free refills. Take baggies to put each child popcorn in and take the bucket back for refills. Drinks you can do the same thing. Some theaters offer courtesy cups for just this reason. Check with theater to …

women

Sabika Jewelry Review: Can You Really Make Money With Sabika Jewelry?

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Sabika Jewelry was founded in 2001 by Karin Mayr. They are a family run multi-level marketing company with a vision to help the family get out of a difficult time while selling quality top-notch jewelry and giving others the opportunity to do the same. It’s mainly a company made by women for women. During this review I will go over some of the specific products or things in which they offer as well as providing a brief explanation to each item, the business or income opportunity and if you can really make money with it, the cost to get started, and finally my final thoughts or opinion over everything I reviewed and the entire company itself.

The Thing:

Sabika offers quality jewelry and jewelry accessories including bracelets, earrings, necklaces, extenders, and many more. I will list 3 of the product they offer and give a brief explanation for each below!

  1. Joyful Sabika London Choker – This is one item from their “Joyful” set, to complete the look you should also get the bracelet and earrings. It’s made with Crystal, Crystal AB, Denim blue and Pacific Opal and sold for $179.
  2. Spotlight Sabika Fun Bracelet – For the full retail value of $119 they offer this bracelet made by Crystal.
  3. Natural Sabika Fun Studs – These are created with Denim Blue and are lightweight for $39.

The Opportunity:

The question still remains; can you really make money with Sabika Jewelry’s business or income opportunity? To answer this question, I will examine and explain some of their compensation plan! Payouts in this company will differ from the level or rank you are in addition to completing certain requirements! All of their ranks or levels are Consultant, Bonus Qualified Consultant, Director, Star Director, Crystal Director, Star Crystal Director, Silver Director, Star Silver Director, Gold Director, Star Gold Director, Platinum Director, and Star Platinum Director.

  1. Consultant – This is the first level or rank you can achieve in this company and in order to remain active in this rank you must have $500 or more in retail order every 3 month period. By achieving this and remaining active you will be able to earn 20% commission on all personal sales.
  2. Crystal Director – In order to achieve this rank or level you must qualify as a director or any other higher level for the month and have at least 1 qualified first generation director or higher in your team or “down-line“. When you achieve this rank or level and complete the requirements you are able to earn 20% from personal sales commission, a 6% personal sales bonus, 4-5% lifetime personal sponsoring override bonus meaning you get paid from the members you personally sponsored and their sales, and 3% Central Team Overrides meaning you earn money from anyone in your Central Teams after they make sales.
  3. Star Platinum Director – To achieve this level or rank and the payouts included you must qualify as a director or higher for the
shopping

Is Shopping Once a Week the Best Way to Save Money on Groceries?

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Many of the articles I have seen lately mention shopping weekly as one of the best ways to keep your budget low. Today let's explore this strategy:

There are some advantages to grocery shopping weekly. When you shop weekly you have a routine of what day you shop and you can make the best use of any weekly sales that are offered at your store. Also many items like milk and fresh vegetables need to be used within about a week.

Many families get paid weekly this can make a weekly trip to the store the best option. Over the last 14 years that I have been married we have had many different pay configurations, including weekly, bi monthly, and monthly. We have also had seasons where we shopped once a month, once every two weeks, once a week, and multiple times weekly.

Every frugal family seems to have their favorite time frame to shop in. Some of my couponing friends go to a store four or more times a week. They say this is the way to get the best deal. My mother shopped once a month and said it was the best way to save money on groceries. There are just as many people out there saving money on groceries as there are "best" ways to save money on groceries.

Once a month works very well especially when you get paid once a month or if you divide your budget up so that this week's check covers these things and that week's check covers those things. The upside to shopping once a month is that less trips to the grocery store mean less impulse spending. The downside is that you can't take advantage of the weekly sales as easily and that each trip is very large and time consuming. Usually those that shop once a month will stop in for at least one quick trip during the month to grab some more milk and other perishable items.

Twice a month: This was how I first learned to shop when I was a newly wed. We got paid every other week and we would pay the bills and make a grocery trip for the payday. Advantages of shopping twice a month / every other week are that you can take advantage of twice the number of sales as with shopping monthly (though not as many as with going weekly) and the shopping trips are smaller than monthly shopping without being as often as going to the store weekly.

Weekly is actually my least favorite. While it is nice to take advantage of all the weekly sales, I don't like giving up one evening a week to plan a menu and go shopping. Some frugal shoppers love the routine of knowing that every Thursday is grocery day. If that is you, weekly shopping may be perfect for you.

Multi-time-per-week happens at my house during seasons when I am very tired or life is a little crazy. With the grocery store …

beauty

Voucher Codes – Will They Really Save You Some Money?

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What are voucher codes?

The voucher codes or promotional codes are the alphanumeric strings that internet stores give to the consumer to encourage their website purchases and are generally linked with the promotional marketing tactic. However, vouchers have switched quite well for internet use, and also have increased in identity and availability due to social media.

How does this code work?

Discount either can be in a percentage or specific amount. The promo codes provide the customers with free gift-wrapping or free shipping offers. This strategy of marketing essentially gives the customers a reason to purchase the products. The promotional code or voucher codes is made from the combination of different letters and numbers. It is used for the specific purposes, like holiday marketing promotion. Coupons can be used many times on various products and services, till the coupons credits get used up. It is either an amount or on a percentage of cost and also they have the expiry dates.

Benefits of Using Voucher Codes:

1. The coupon codes for internet shopping have gained a lot of popularity of late. Each retailer and manufacturers are trying to provide daily discounts and deals to encourage the consumers to invest in their service or products.

2. Earlier, coupons were just shared through magazines or newspapers, but now with a vast, huge use of the internet, the marketers are using internet media for promoting their services and products through coupon codes. Thus, many people are now searching for discount codes online to do shopping at a lower rate just to save some money.

3. No matter what kind of services and deals that you are searching for, voucher codes for shopping websites will provide you with a lot of options you can select from at the discounted rate. No matter whether it is searching for the beauty products or grocery deals, travel coupon or clothing, electronic equipment's, or other accessories, it is sensible to use coupon code because it can save a huge amount of consumer money.

4. The marketers today are very smart. They provide us with the promotional offers during the festival season. Thus, if you're thinking to purchase an electronics item or other things with the high cost like fridge, laptops, mobile, TV, or other things in festival like Christmas, New Year or any other festivals, you should ensure you check out websites of companies that will offer you the discount at this time.

You also can look for the website and log in to check out the best and latest deals for the online shopping, which suit you. The majority of the branded firms and marketers give regular newsletter and updated info about the discount offers via email. Thus, you need to stay alert when you get such lucrative offers and voucher codes for internet shopping.

The best part of the promotion codes in online shopping is you may redeem this offer whenever you want to because you do not have to buy a product instantly. The maximum …

beauty

Hair Style Magazines? Don't Waste Money, These Are the Best

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It's no secret that there is a lot of misleading beauty advice out there. So, where should you turn for the latest styles, trends and advice? A good place to start is with a leading, reputable hair style magazine or black hair magazine.

When you choose one of the leading hair style magazines or black hair magazines over other publications, you gain access to the latest trends and insider secrets in the beauty industry. No longer will you have to wait until a trend becomes popular and dozens of people are wearing it before you catch on. By subscribing to a hair magazine, you can keep your eye on the upcoming styles and get them before anyone else.

So, which magazine should you buy? Here are reviews of five of the leading hair care magazines to aid you in your decision (and details of how you can get them at discounted prices):

* American Salon. American Salon is the leading hair magazine among professionals. Inside the pages of this magazine are insider trade secrets, trends and techniques that have just been introduced by top-of-the-line beauty professionals. Here you can learn about the latest innovative products and beauty treatments, the newest cutting and color trends, and other tidbits of knowledge at the same time that the professionals do. While this magazine is great to keep informed of all that is going on in the beauty industry, it is not ideal for choosing your next hair cut. Filled with industry jargon and how-to articles, most of the information contained in this magazine would not be fully appreciated by a non-professional.

* Celebrity Hairstyles. If you're looking for all of the hot styles worn in Hollywood, Celebrity Hairstyles could be just the hair style magazine to bring it all together for you. Ever wonder how Hilary Duff and Faith Hill got those softly tousled locks? Wonder no more. Not only is this hair style magazine full of color photos of the latest celebrity styles, it also has technical how-to information that you can take along with you to the salon.

* Hype Hair. When it comes to finding a leading black hair magazine, there is none better than Hype Hair. Called the "the style handbook for today's black woman," Hype Hair features up-to-date innovative hairstyles, interviews, contests and funky fresh hair styles. From the sleek and sedate to the funky and corn rowed, there is a style for everyone in this black hair magazine.

* Modern Salon. This hair style magazine is similar to American Salon in that it caters to professionals only. Featuring the latest trends and interviews with top professionals, Modern Salon takes a fresh and modern look at the beauty industry in its wholeety including nails, make-up, hair, color, skin care.

* Short Hair Styles. This is perhaps the magazine that I have seen brought into the salon most often by clients. The pages of Short Hair Styles are filled with color photos of the latest color and cutting styles. …

clothing

Online Shopping Tips: Shop Baby Boutiques Online and Save Your Time, Nerves and Money

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These days, we shop online for just about everything. This includes boutique girls clothing, diapers, formulay, gifts and anything else we might need or wont. But until now we haven't given much thought about the reasons why we enjoy the online shopping experience. Sure there are the obvious reasons of not having to get dressed, packing into the car and dedicating the few hours needed to search through your baby's favorite stores. Now, if you are with your child trying to accomplish the above-mentioned, you may need to call ahead to have your hubby ready a hot bath with a glass (or bottle) of wine. And if your hubby was nice enough to take the kids off your hands for a few hours so you could go shopping; wouldn't you want to take that time and shop for yourself instead? Sure you would! So here are some reasons why shopping for baby clothes online is such a great idea:

  1. Stay at home – Don't battle the parking gods or wait in line for something. Simply relax and let your mouse do the walking. There are hundreds of websites that sell clothes and baby accessories. Each one is only a click away. They are never closed nor are they ever rude. And if you have any questions, shoot them an email or call and have all your questions answered right there and then!
  2. Browse the largest and best selections – How many stores would one have to visit in order to look through enough baby outfits, sweaters, blankets, socks, hats, bottoms, sleep sacs and more in order to get that perfect catch? And how long would it take? Online, you get access to hundreds of retailers. That's like visiting a mall dedicated to all of your baby and toddler clothing needs!
  3. Get the best prices – This one is our favorite. So you stayed home and found something you like – great! Most websites offer free shipping so you have an opportunity to save a few bucks there. Often there is a special 1st-time customer discount. There are even sites out there who have returning customer discounts. Then there is that magical promo code field. Most people overlook this feature. However, if you have a few minutes to do a quick search, you could save additional dough. All you need to do is search for the site name and the words "promo code" or "discount coupon" right behind it. Before you know it you are patting yourself on the back and marveling at the huge chunk of change you just saved! Oh, we almost forgot to mention that you don't have to pay sales tax if purchasing from out-of-state. And if you are wondering, yes, we are always running cool promotions.
  4. Freedom to change your mind – So, the handsome UPS man arrives at your door and drops off a small box. "Yayyyyy!" you scream only to find that the size of the cutest baby clothes you picked doesn't fit your
beauty

How to Save Money on Beauty Products

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One look at the makeup aisle and you find yourself automatically drawn to the mystical fragrances and vibrant packaging. Before you know it, you are walking out with new products and a hefty bill. We know you love your beauty products and deserve to be pampered. But don't worry here are some tips that let you be the beauty queen without breaking the bank!

1. Watch out for Sales!

Black Friday deals are great, but you can find huge discounts on your favorite brands all year long! Most of the stores have a newsletter in which they announce discounts and sales, often giving you a special online discount that's not available in the store. So go to your favorite beauty store's websites and sign up for their newsletters.

2. Let your multi-tasking talents shine

You may not realize it but most of your beauty products can serve more than one purpose. Dab your liquid lipstick on cheeks and blend to save money on the blush. Instead of pressed highlighters invest in liquid highlighters, mix a few drops with your foundation or bb cream for dewy finish when the matte finish is out of style. Get creative and save money. This is the perfect gift for girls.

3. Go to the drugstore

To someone who's addicted to high-end brands buying makeup and skincare at a drugstore may sound horrible, but most of the drugstore brands are priced at a fraction of your beloved high-end brands and offer products with amazing quality. Avoid investing in high-end products which you must replace very frequently like mascaras, eyeliners, and compacts, or products you want a lot of variety in like lipsticks.

4. Get beauty box subscriptions

You can save a ton of money with beauty box subscriptions especially if you opt for the ones who offer full sized products instead of samples. Samples boxes can't provide you with the same value for money as boxes with full sized products can.

5. Use Coconut as makeup remover

No need to waste your money on expensive makeup removers and wipes. Coconut oil can remove the stubborn waterproof makeup easily. It's not only a pocket-friendly option but is also good for your skin, eyebrows, and lashes.

We hope these tips help to give your wallet some TLC and make you look as glamorous as ever without going north of your budget plans. Subscribing to a beauty subscription box is the way by which one can get all the products in a very small amount. This is perfect for those girls who don't want to use one product for many uses.

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wedding

How to Save Your Wedding When You Run Out of Money

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Planning a wedding is so much fun that it can be easy to get in over your head. You splurge here, spend a little extra there, and before you know it, you have committed to a wedding that is beyond your means. With deposits placed, and final payments looming, this can be a very scary situation for the bride or her parents to find themselves in. Find out what steps you can take to save your wedding when you run out of money.

It is really, really easy to end up planning a wedding that costs too much, especially because the planning can be spread out over many months. When you are only paying one-third to one-half of what things actually cost, it can be easy to lose track of the grand total. For some families, it is not until they get close to the wedding day and they start adding up all the final payments which are due that they realize they can't cover their bills. This is a horrible situation for any family. What do you? Cancel the wedding? Stiff your vendors? Charge admission to the reception? No, no, and no.

What you should do first and foremost is have a frank conversation with your wedding venue and vendors. Explain your situation, and ask them how you can work it out. Be clear with them that it is important to them that their bills get paid so nobody thinks you are trying to weasel out paying what you owe them. Maybe the florist would be willing to downsize the centerpieces to trim costs. Or she could skip the expensive extras, such as the crystals in the bouquets to match your crystal bridal jewelry. The photographer might allow you to cut back to a smaller package or to have him come for the ceremony and through the cake cutting only, instead of taking pictures from pre-ceremony until the last dance. As long as the vendors have not actually spent money on supplies for your wedding, they might be willing to re-negotiate your contract.

As for your reception venue, call the event manager at once and make an appointment. Figure out your finances before the meeting so you have a clear idea of ​​the difference between what you owe and what you can actually pay. If the gap is not insurmountably wide, it might be possible to get creative with the wedding menu to get your balance down (again, this would have to be before anything has been ordered for your reception). Choose less costly entrees and appetizers, substitute sparkling wine for imported French Champagne, or change from a full open bar to wine and beer only. In some cases, this will be enough to get your balance down to what you can afford.

If you still cannot afford what you owe the venue, you will have to consider more dramatic measures. Could they change the time of your reception from an evening wedding to a brunch? You could save …

general

Travelocity Promotion Code and Coupon Guide – Saving Money on Hotels, Airfare, Cruises, & More

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Planning a trip does not have to be a difficult or exhausting process. It can be fairly easy and even affordable. If you have a Travelocity promotion code, you're off to a good start. Just apply it to the booking form when you are reserving your airfare or vacation package.

To receive additional discounts and coupons, it's recommended that you sign up to receive emails and newsletters from Travelocity. There is also an app you might want to install on your phone.

This company provides a selection of nearly 150,000 hotels and 130+ airlines all across the world. It doesn't matter where you plan to go, if you plan to go alone or with family, or when you want to go, there is usually some type of discount travel package available. The overall costs associated with economy air and standard hotel rates have gone down considerably over the past few decades.

You can book everything separately or together – Travelocity makes it easy to do it all. There is flexibility in how you book your next trip. Do you want to book air and a hotel room together? You will likely be eligible for a discount. However, depending on the destination, airline, and time of year, it might be cheaper to book each one individually. Consider looking for a Travelocity promotion code to help you save on car rental as well, as the company is partners with dozens of rental companies in thousands of offices around the world.

What Else Can You Use a Travelocity Promotion Code For?

Travel isn't just about flying and staying in a hotel room. There are cruise fares, train rides, adventure tours, steamboat river cruises, skiing, and a lot more. How would you like to spend a weekend at an amusement park this summer with the kids? Or go on a romantic getaway at a mountain retreat? How does a Hawaiian cruise or Mexican Riviera cruise sound? The great thing about Travelocity is that it offers deals on all of these trips.

There are different types of promo codes and coupons. As with any coupon offer, it's important to read the details to make sure you can actually use it. If the Travelocity promotion code you enter into the booking form doesn't seem to work, just try another one. Keep trying discount offers until one really does reduce the cost of your trip.

Some offer might only be good for a particular destination or car rental with a specific agency, like Hertz, Dollar, Alamo, Avis, etc. Others are more general and can be used to help you save na variety of travel expenses. Since a Travelocity promotion code does not last forever, use one while it's available. If you are unable to use it in time, don't worry – new ones pop up all the time!

What kinds of Travelocity promo code offers are available right now? Will you be able to use any of them? Just read over the offers to learn what all …