Saving Money is sometimes just a matter of asking for a deal!

Saving Money is sometimes just a matter of asking for a deal!JustAsk

As some of you may remember, back in September I was quoted for work on my car, and simply asked for a better deal....they dropped my $250 quote to $150....Well, guess what? I did it again! lol Now first, let me explain why that was such a big deal (besides the money). I would have never questioned a quote for any service in the past. It wasn't until I started couponing and really watching how much money was being spent on things, that I started to think, "Why not just ask?". The worst thing that will happen is they will say no, and then you pay the original amount anyway, right? So why are we so afraid to ask for a better deal?? I have to say, I cannot wait to negotiate my next Car, or other large purchase! So, yesterday I was calling Bell to ask about the Fiber Op packages and get it set up. We were paying Phone through Bell and Internet and TV through Rogers...so looking to save a few $$ I wanted a bundle that  worked for us. Well, it was all fine until I told the guy I would like them to add the additional HD box (2nd TV) for free, instead of the $4.95 a month. No big deal right? Well, he flat out said no, and even told me he could transfer me, but they would tell me no as well. So I simply said, "You mean you would lose my business over a $4.95 per month fee? I can just get Home Phone and call Rogers to get my bundle." Of course he asked me to hold...and upon return to the line said "I have great news for you Mrs. Swansburg! We cannot give you the box included, but I am authorized to give you a $100 Credit on your account." Now if you work that out, that is 20 months of Free HD Receiver rental. Not bad...and I plan to call in 12 months time to negotiate it into my plan. If you have any services on a Yearly agreement (which most are at least), be sure to call on your anniversary date and renegotiate your packages. It is amazing what you can get if you "JUST ASK!" I am still pretty excited about it, and honestly can't wait to see what else I can manage to save on this year!

My Stock Up Prices

My Stock Up Pricesprepared for you by www.everythingunscripted.com

These prices reflect my STOCK UP Prices. 
These are the prices I would consider buying extra to have in my stock. 
The "Good Prices" are a guideline and more commonly seen pricing.
ALL Prices would be AFTER Coupons or Discounts.
Health and Beauty
Product
Stock Up
Price
Size
Good Price
Bar Soap
$0.50
4 pack
$1.00
Body Wash and Deodorant
(women's/men's)
$0.99/ $0.17
1 bottle/
stick
$1.00 - 1.25
Mouth Wash
$1.00
1 Ltr.
$1.99
Razor's
(pk disposable /1 reusable)
$1.00
Razor
$2.00
Shampoo
$0.99
345ml Bottle
$1.75
Shaving Cream
FREE
Can
$1.50
Pain Reliever
FREE
16-20 ct.
$1.50
Hand Soap Liquid
$0.50
500ml
$1.00

Paper and Cleaning Products
Product
Stock up Price
Size
Good Price
Dishwasher Tabs
$0.10-$0.12/ tab
15 pk
$1.50 - 2.25
Dishwashing Liquid
$0.75
500ml
$1.75
Fabric Refresher (Febreeze)
$2.00
800ml
$3.00
Cleaning Wipes
$1.00
35ct
$1.75
Air Fresheners
FREE
(spray / Solid)
$0.99
Laundry Detergent
$1.75
30 lds
$2.50
Bathroom tissue
$2.99
24 dbl.
$3.99
Paper Towels
$1.99
6 rolls
$3.00
All Purpose Cleaner
$1.00
700ml
$1.75
Food
Product
Stock Up Price
Size
Apples
$0.99
1 lb.
Bananas
$0.49
1 lb.
Broccoli
$0.99
1 head
Lettuce
$1.00
1 head /pkg
Onions
$1.00
2 kg bag
Bacon
$2.00
Pkg
Chicken Breast
(fresh Boneless, skiness)
$3.99
1 lb
Ground Beef
(lean)
$1.99
1 lb
Hot Dogs
$1.50
Pkg
Bread
$1.00
1 loaf
Canned soup
$0.50
Can
Broth
$1.50
900ml
Canned Tomatoes
$0.79
796ml
Canned Vegetables
$0.50
Can
Crackers
$1.00
Pkg
Cereal
$1.50
Box
Peanut Butter
$2.49
1 kg
Popcorn (microwave)
$0.99
3pk
Sugar
$1.49
2kg
Flour
$7.99
10kg
Pasta
> $0.50
Box
Flaked Canned meat
$0.60
can
OTHER
Product
Stock Up Price
Size
Diapers
$0.10 - $0.14
1 diaper
Baby Wipes
$1.00
64 ct
 
 
 
Dog Food (Dry)
$1.50
1 kg.
Cat Food (dry)
$1.75
1 kg.
Cat Litter
$4.00
7 kg.

Info about Coupon Inserts

COUPON INSERTS
Every few weeks, you can find Coupon Inserts in your local newspaper. You can find Redplum every 4 weeks or so, Smart Source every 3 weeks or so and Brandsaver every 3-4 months or so. 

If you plan to buy multiple copies of the paper, Check Moncton Coupon Lady for a list of the coupons available inside each insert (usually posted by Thursday the week it comes out). Also, make sure the insert is inside the paper you are buying, some stores remove them.

Redplum 2012
January 14, 2012
February 4, 2012
March 10, 2012
April 7, 2012
May 5, 2012
June 2, 2012
July 7, 2012
August 11, 2012
September 8, 2012
October 6, 2012
November 3, 2012
December 1, 2012


Smart Source 
2012
January 7, 2012

January 28, 2012
February 11, 2012
March 3, 2012
March 24, 2012
April 14, 2012
May 19, 2012
June 9, 2012
July 7, 2012
Jul 28, 2012
August 25, 2012
September 22, 2012
October 13, 2012
November 3, 2012
December 1, 2012





PAPERS WHO CARRY
New Brunswick
Woodstock Bugle-Observer
Fredericton Gleaner
Moncton Times Transcript
Restigouche La Voix
Saint John Telegraph Journal
Bathurst Northern Light
Campbellton The Tribune
Newfoundland
Gander Beacon
Corner Brook Western Star
St. John’s Telegram
Grand Falls Advertiser

Nova Scotia
Bedford-Sackville Weekly News
Dartmouth-East Cole Harbor Weekly News
Halifax-West Clayton Park Weekly News
Digby/Kentville/Yarmouth (Halifax) Chronicle Herald Provincial Ed.
Halifax CH/Mail Star
Amherst Daily News
Antigonish A&G Transaction
New Glasgow News
Sydney/Cape Breton Post
Truro Daily News


Prince Edward Island
Charlottetown Guardian
Summerside Journal Pioneer

Tip of the Day!

When shopping at the Pharmacy, always look for coupon booklets, samples, etc from the Pharmacist.

WalMart occassionally has coupon booklets, samples and such available at the Pharmacy counter.
Shopper's Drug Mart also has coupon booklets many times.

Ask your Pharmacist, you might be surprised what they have to give you!

Where to get coupons online!

ONLINE COUPON COMPANIES
On these sites you create an account and order the coupons you want. They mail them to you free of charge.

Order coupons from the following websites:
Save . ca  http://www.save.ca

PRINTABLE COUPONS

There are many printable coupons out there, click here on  "Printable Coupons" tab on this site for a list of some that are available in Canada. 

Smartsource.ca  http://www.smartsource.ca/
Local area coupons for restaurants, amusement parks, golf, etc...FREE, No Book to Buy, Print right at home!

Call in Requests





Here are a few manufacturer's you can call and get coupons/samples from.


Colgate-Palmolive:
1-800-268-6757 begin_of_the_skype_highlighting            1-800-268-6757      end_of_the_skype_highlighting

Johnson & Johnson:

1-866 -565- 2229 begin_of_the_skype_highlighting            1-866 -565- 2229      end_of_the_skype_highlighting
You can call and request 2 coupons on a monthly basis.
You can call and request the New Parent Pack once 
(you will receive a trial pack of products and some coupons)



Chapman's Ice Cream:
1-800-265-9110 begin_of_the_skype_highlighting            1-800-265-9110      end_of_the_skype_highlighting
$5 coupon (once per year)


Softsoap
1-800-268-6757 begin_of_the_skype_highlighting            1-800-268-6757      end_of_the_skype_highlighting


Lysol
1-800-888-0192 begin_of_the_skype_highlighting            1-800-888-0192      end_of_the_skype_highlighting

Super cute Christmas idea….Personalized Change purses

Wow! Not only can you be your own coin purse designer with our fully customizable accessories, but with today’s offer, you can save yourself plenty of dollar using this promo code. This 100% front-to-back self-personalized mini coin purse gives you practicality and stylishness all rolled into one. Stick in today’s coupon code and get 3 coin purses for $6.99 (and at $1.99/each thereafter) with free worldwide shipping included into the deal!

No quantity limits, get as many as your wish!
Coupon Code :3MCP699
Expiry Date:11 / 19 / 2011
Use our free design templates from our professional artists for inspirational ideas.
http://www.artscow.com/design-templates/mini-coin-purses 

Or create your own here.
http://www.artscow.com/photo-gifts/mini-coin-purse/mini-coin-purse-445

Fun, Affordable Halloween costume ideas!

Easy Halloween costumes for kids
http://www.allyou.com/budget-home/crafts/easy-to-make-halloween-costumes-00400000048093/page10.html


Last-Minute Costumes
http://familyfun.go.com/halloween/halloween-kids-costumes/last-minute-costumes/


15 Print-and-Color Halloween Masks
http://www.womansday.com/Articles/Life/Holidays/15-Print-and-Color-Halloween-Masks.html

7 Super Easy One-Hour Costumes
http://www.womansday.com/Articles/Life/Holidays/7-Super-Easy-One-Hour-Costumes.html

Saving Time and Money when preparing food!

Saving Time and Money when preparing food!

timemoneykitchen

If you are busy, or you simply don't enjoy cooking every night for an hour or more, try some of these time saving tips.

Purchase in Bulk

Meat & Poultry

  • Get to the meat department early in the morning, they usually have items marked down. Buy in larger quantities and freeze.
  • Buy Local! If you are lucky enough to have a farm close by, contact them about purchasing in bulk, they will be happy to provide you with their prices.
  • If you have a local meat market, check out what deals they offer when you buy in bulk. Some will offer freezer boxes where you get a discount for buying a large quantity of a variety of meats. It may be alot out of pocket in one shot, but will save you money in the long run.

Fruit & Veggies

  • Check the discount section in your produce department. There are usually Bananas, Peppers, Apples, etc...these are great items to take home, slice up and freeze. Use them in baking & smoothies or casseroles & soups.
  • Only purchase what you will use, but remember there are ways to freeze produce for later use.
  • Plant a garden! Fresh in season veggies that won't cost more than a few pennies, and a little love and labor on your part! You will have lots and need to have plans for using/preparing the fruits of your labor when they are ripened.

Dairy

  • Yogurt is great to freeze. If your child likes yogurt tubes, freeze them for longer storage (you can stock up on a good sale!) and then put one in their lunch for school. It will thaw out in time for Lunch!

Snack Foods

  • Lots of snack foods come pre-packaged for school/individual servings. To save on money - Why not buy the box of crackers and make up your own snack bags. You can reuse your bags for crackers, cookies and other non oily foods. Just rinse them out and let dry.
  • Buy pudding mix or make it from scratch (makes a larger quantity for le$$). Use resealable containers to send to school with your child.
Partially Prepare In Advance
Pasta
I got this tip from a friend who is a chef. (Video Here showing what my  pasta looks like)
Cook your pasta, toss with a little olive oil, and portion into freezer bags and freeze. When you want to have a pasta dish, just take out of freezer and run hot water over to thaw and voila! ready for your topping. I have Spaghetti, Penne and Rotini in my freezer at all times!
Veggies
  • For Salads: If you are like me, you hate cutting up veggies every day to make a salad...so do it all at once. I come home from grocery shopping and cut ALL my veggies and store in plastic containers. Even my lettuce is cut up and stored (I have a Tupperware container that keeps it from wilting, it's awesome and well worth the money). Cut up Tomatoes, cucumber, string beans, peppers, broccoli, etc...then, when you want a salad, just grab a little of this, and a little of that, and your salad is divine!
  • Soups, Stir Fry and Casseroles: I always try to make things in bulk when I get home from shopping, but sometimes there is just not the chance to cook up everything. I love to cut up the veggies I cannot use right away, and freeze them. Again, try to portion them in freezer bags so it is easier to just take out 1 or 2 bags to add to a recipe. You can even brown/carmalize onions and once it cools, put in bags to freeze and use later. 

Meat and Poultry

  • Poultry: We eat a large quantity of chicken. When I buy chicken, most of it gets cooked when I get home. Some I baste with salad dressing, or top with an herb mixture, and some is plain (just brushed with a little olive oil). I cook them, and slice it up to freeze. When I want Chicken on a salad, I grab a bag from the freezer, thaw it in the microwave and toss it on my salad. I also use it in recipes that call for cooked chicken (casseroles mainly). We use it in our pitas, sandwiches and wraps as well. HUGE time saver!!!
  • Ground Meat: Almost EVERY recipe containing ground meet asks you to brown it...so why not buy in bulk, brown it all up, and put in containers for later use. Store it by the pound, so you know what you need when you go to use it in a recipe.

Dairy

  • Shredded cheese:Buy block cheese and shred it yourself. It's cheaper and you will have it on hand when you need it. Buy one block to shred, and slice the other one for use on sandwiches, crackers, snacks, etc... (Parmesan cheese is pricey to buy, but if you purchase the block and shred it yourself, it is way more affordable, and it lasts for a long time)
Stock your Freezer with meals!
  • For Soups: I LOVE to use fresh veggies when I make soups, so I get the not so perfect ones on the discount rack. They are often a little overripe, which actually means they are teaming with flavour. Make a big pot of soup and freeze in portion size containers. We are a family of 3, so I have containers that hold what we would eat at a meal, as well as some single serving ones to have for lunches. 

  • Sauces: Make pasta sauces and Chilli in bulk and freeze. It is so nice to come home and toss your pasta under some hot water to thaw, and grab the Spaghetti sauce out of the freezer to thaw in the microwave...toss together and in 10 minutes you have dinner made, and alot less mess to clean up!

 

These are just a few of the time and money saving tips I use in our house. I will continue to add to this as I find other ways to save time when preparing meals.