Prudent and Practical

November 4, 2009

Early Christmas Shopping Deals

It’s that time of year again!  The Black Friday and Cyber Monday deals are gradually getting posted as we eagerly wait to see how good or bad the discounts are this year.  For those who may not know, Black Friday is the day after Thanksgiving.  It’s a day when many businesses make a profit and are in the black.  It’s also a day when greed takes over many people and bad things can happen.  Cyber Monday is the online version of Black Friday happening the Monday after Thanksgiving when people go back to work and apparently spend the day shopping online…

Going from personal experience, when the economy is good, there are a lot of freebies and awesome discounts.  When the economy isn’t great, the deals aren’t great either.  However, this year many businesses are taking part in online pre-Black Friday sales and not waiting until Thanksgiving weekend.  I’ve looked through some of the deals and so far there isn’t anything that has sparked my interest.  I’d love a new digital SLR camera, but the deals I’ve seen for both the pre-sales and Black Friday aren’t good enough to warrant a purchase.  See the below links for posted Black Friday ads and the pre-Black Friday sales that are happening right now!

Do you have a favorite Black Friday site you go to? Mine is GottaDeal which shows bargains all year long on a forum, but also has a Black Friday site that lists the Black Friday ads as they come out.  The following ads are currently listed:

  1. Gander Mountain
  2. Gymboree
  3. Half Price Books
  4. Harbor Freight
  5. Kmart
  6. Lowe’s
  7. Old Navy
  8. Sears
  9. Tanger Outlets

“Become” also has a Black Friday deals area.  One thing I like about their site is that you can click on a general item you’re interested in purchasing, such as digital cameras, and they’ll show you every store that has that item on Black Friday.

Many of the following stores have been in the news because of their early deals, so I’ll summarize what they’re offering for you here.

CVS and CVS Holiday

  • Offering weekly deals.

Kmart

Kohls

  • Power Hour pricing on November 6 and 7 (this Friday and Saturday).  There will be many deals and stores will be open until midnight.
  • Redeem Kohl’s Cash and Pick-Your-Day savings.
  • Save 20% on toys already marked 10-40% off.

Sears

  • Every Friday at 5pm through Saturday morning – “Black Friday Now” features weekly deals through Christmas.
  • Every Saturday 7am-12noon – doorbuster deals
  • Offering a credit for any November-release book you have purchased through Amazon.com, Target.com, or Walmart.com.  Use the credit on a purchase over $45 at Sears.com.

Target

Toys ‘R Us

Vistaprint

  • 50% off 2010 calendars, holiday Cards and many holiday products
  • Free shipping on orders over $50
  • Up to 50% off custom photo gifts

Walmart

  • 100 toys for $10 each through the holiday season.
  • Popular books will be selling for $8.98.
  • 2 for $30 specials on Nintendo Wii games.
  • Saturday (11/7/2009) – pre-Black Friday sale.  Hot deals include a Sharp 42″ LCD HDTV for $498 and an Xbox 360 System with free $100 Gift Card for $199.
  • Walmart.com has also started a “Deal of the Day” where they will be selling one item each day at a Black Friday-level price. Today’s deal is a 32″ LCD HDTV for just $298 with free in-store pickup.

Do you participate in Black Friday?  Why or why not?  What’s the best deal you’ve found? Is there anything you have your eye on this year?

June 11, 2009

Get a Free Cell Phone Battery

Filed under: saving money — Tags: bargains, free, sales, save money — K @ 8:54 AM
Various batteries: two 9-volt, two "AAA&q...
Image via Wikipedia

You may have seen the advertisement on tv for US Cellular’s new “battery swap” program.  I saw it and thought that it was too good to be true.  I have had to purchase new batteries a few times in the past for my cell phones and they are not cheap!  All three times they were in the neighborhood of $30 each.

About two weeks ago my battery has been exponentially losing charge.  In fact, yesterday I was able to talk for a whopping four minutes before it died on me – while I was 70 miles away from home.  I knew it was time to put this whole free “battery swap” program to the test.

I walked into the nearest US Cellular store and was helped immediately.  The employee pulled out my battery to test it.  She didn’t even need to!  “Wow! You really do need a new battery!  Here, feel it.”  She put it into my hand and I felt a very convex surface.  She told me that when the cell batteries get old, they start puffing out (think of microwaving a marshmallow – only not as extreme!).  The employee got a a new battery for me and installed it, saying “Here you go, this will be much better!”  Hmm, that’s it?  Yes, that was it!  I was in and out in 5 minutes… with a new battery… for free!

As I stated before, this is only through US Cellular.  You must have an active plan and eligible phone with them in order to do the battery swap.  I purchased my phone and plan in a completely different city (2 hour drive) from where I got my battery swap – you don’t have to do that swap at your “home” location.  You can find more information at US Cellular’s battery swap information page.  You can also use their location finder to see which stores currently do the battery swap.

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May 28, 2009

Cut 9 Years off of Your Mortgage

Filed under: saving money — Tags: debt, discounts, home, money, save money — K @ 5:00 PM
True North Mortgage store front
Image by k-ideas via Flickr

Due to the recession, we’re unsure how long we’re staying in our current home.  We continue to make improvements to our home so it’s ready to be sold when the market starts looking up.  While talking about this with my mom, she informed me of a way to cut years off of our mortgage.  She’s currently taking advantage of this “deal”.

Instead of paying your mortgage once per month, pay 1/2 the amount every two weeks!  Simple as that.  This cuts your mortgage down because instead of making only 12 payments, you’re making 26 half-payments (52/payments every 2 weeks) equal to 13 full payments.  So you end up making one extra full payment spread over the course of the year.  This will not work if you make payments twice per month, which would be the same as 24 half-payments or 12 regular payments.

One trick to this is that you need to be aware of is that your bank will charge you a fee to set up automatically deducted bi-weekly payments.  You can avoid this fee by dropping the payment off in the mail or at the bank.

Now I know this doesn’t sound like it will work.  Another trick is that when you make those two extra half-payments, tell the bank to apply those amounts to the principal, not the interest.  This will really take a chunk out of your mortgage!

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March 2, 2009

Save Money on Food Right Now! Eating on the Cheap…

Filed under: food — Tags: bargains, discounts, eating out, entertainment, food, kitchen, meal, restaurants, save, save money, shopping — K @ 11:12 PM

I woke up and had my daily tea this morning while reading the news headlines on Yahoo.  I clicked on a video labeled “Grandma’s Great Depression tricks to save in the kitchen.”  Intrigued, the celebrity-chef Emeril tried her recipes.

His verdict… they work and are tasty!  It’s very interesting to see all the different ways you can use cheap and basic staples such as potatoes and pasta.  So, now I’m getting addicted and I just can’t stop watching the videos!  Check out Depression Cooking with Clara.  She’s also on YouTube.

  1. Stop eating out and you could save $300-$600 per month!
  2. If you decide to eat out, use coupons.  Fazoli’s website offers a buy one get one free offer every week.  I also just received a coupon for a free sandwich from Arby’s last week.  Coupons can be found online, through Val-Pak, Hot Coupons, the 2009 Entertainment book, through the weekly Shopper/PennySaver, and through your city’s Sunday newspaper.
  3. Another way to save when eating out is to share a meal.  Meal portion sizes have increased exponentially over the past few decades.  My mother in law’s favorite thing to do when visiting Texas Roadhouse is this: one person orders a meal and the second person orders the veggie platter for $8 – they eat more nutritiously and save a little money by sharing.  Otherwise, order one meal and split it.
  4. This tip requires a little work… eat less!  By eating less (and hopefully working out), you’ll save money on groceries.  You’ll also save money by not purchasing pre-made foods, because you’ll want to eat more fresh foods.
  5. Avoid (potentially) expensive, un-nutritious highly processed foods.
  6. Stick to the basics: make a grocery list and don’t stray from it, only buy items that you need, don’t buy items just because they’re cheap or on sale if you don’t need them, make a budget and stick to it – my mom does this by taking a set amount of cash to buy groceries, compare prices at different grocery stores.  Sometimes grocery stores will honor other store’s ad prices and coupons.
  7. Check out my list of birthday freebies.  Many of those restaurants also send you offers throughout the year.
  8. You may be able to find some of your favorite food items at discount stores such as Dollar General, Big Lots, and bakery outlet stores.  Also check out surplus stores, including army surplus.  I’ve been to a few that sell almost expired canned goods and other non-perishables, such as powdered mixes, cookies, and gummy snacks at deep discounts.
  9. Buy in bulk through stores such as Costco and Sam’s ClubBulkFoods carries obviously foods in bulk – the downside is that you have to pay shipping.  I’ve purchased items cheaper than BulkFoods prices at a local Mennonite grocery store, so be sure to check out local bulk food stores too.  eBay also carries food products.
  10. Buying in bulk allows you to make more of a meal so that you can reuse the ingredients.  For example, if you make a turkey, use the leftovers to make turkey soup or a turkey pie.
  11. When thinking of shopping locally, consider farmer’s markets and family farms or co-ops.  Local Harvest has an extensive listing.
  12. If you eat a lot of natural foods, consider “living off the grid” or being “self sufficient.”  There are some great books out there for this.  Chickens are extremely cost efficient – they don’t eat much, and you can get both meat and eggs from them.  Check out your local ordinance as they are allowed in many residential areas (even Chicago).  Check out Backyard Chickens for more information.
  13. Store brands are often much cheaper than more well known name brands, and usually taste the same.
  14. Do a little research to figure out when your local grocer marks down meat and baked goods.  In our town, the meat is marked down first thing in the morning and baked goods in the evening.
  15. Eat cheap foods such as sardines, brown rice, old fashioned oatmeal, whole grain pasta, legumes/beans, and nuts and peanut butter, cabbage, kale, apples, cheaper cuts of beef shanks, protein powder is a cheap alternative to protein from meat, whole chicken, eggs are also a cheaper version of protein, broccoli, watermelon, squash, spinach

Some excellent websites:

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