Target REDcard Credit or Debit Cards! The store card you really want!
The Target REDcard debit and credit cards are free, no-fee cards that give the consumers a wide array of shopping benefits.
Some of the benefits provided when using a Target REDcard are:
*5% off every day
*Free shipping at Target.com – yes I know everything is Free Shipping right now anyway, but that will end after the holiday!
*Extended returns — 30 extra days
*Up to 1% of purchases go to school you designate
*The online application process for debit and credit has immediate approval except for some debit applications which will require a few days to confirm bank account
There are extra benefits events throughout the year for REDcard holders. You can also get a free small drink whenever you are in the store with your REDcard.
Get Cash Back This Week When You Buy Milk, Tomatoes, Bananas, Eggs, Carrots & More!
Get cash back on your groceries! To save money with Checkout 51, all you have to do is…
- Browse the offers that are updated every Thursday
- Buy the products from any store
- Take a photo of your receipt to redeem your deal
- Get cash back!
This week’s offers include these & more:
Checkout 51 LINK
Shop Smart Magazine Just $14.99 for 1 Year!
Deal of the Day – Shop Smart Magazine Just $14.99 for 1 Year!
September 14th Only!
Checks Unlimited Special Check Offer: 1-Box of checks: $5.50 2-Boxes of checks: $11.00 4-Boxes of checks: $16.50 and the 4th box is free** $1 more per box for Duplicates ** Includes free shipping and handling Coupon Code: F4NBHave you heard about Walmart’s new Savings Catcher program? Save time and money!
Have you heard about Walmart’s new Savings Catcher program? It’s now available nationwide!
Savings Catcher compares your receipt to advertised prices from top stores in your area, and if it finds a lower advertised price, you get the difference on an eGift Card. All you have to do is enter your receipt and Walmart does the work for you.
Find more information on the program here:
2 Boxes of Checks $5.05!
1-Box: $4.95
2-Boxes: 5.05
4-Boxes: $12.00
Plus: Free Shipping, Free Lettering, Free 4th Box
Use coupon code: DB4381
Shop Smart Magazine Just $12.31 for 1 Year!
Deal of the Day – Shop Smart Magazine Just $14.49 for 1 Year
July 21st Only – Use Coupon Code 15CJ0615 and Save an Additional 15%!
Checks In the Mail! Get 2 Boxes of Checks for $11.99!
New Customers purchase 1 box of single checks for $6.99 (duplicates $7.99), get additional boxes for $5.00 (excludes High Security and Business Checks) with Promo Code NEW699
*Select Non-Trackable shipping to get Free Shipping
2 Boxes of Checks $5.05!
1-Box: $4.95
2-Boxes: 5.05
4-Boxes: $12.00
Plus: Free Shipping, Free Lettering, Free 4th Box
Use coupon code: DB4381
Save money by being in shape!
You can save money by being in shape.
As someone who has struggled to stay fit, I realize that eating healthy and being in shape is easier said than done. But for those who are in good shape, you can save a lot of money on life insurance and individual health insurance plans. And as an added bonus, you’ll feel better and have more energy.
Being is shape can benefit your health in many ways—reduced risk of disease, more energy and a longer life, just to name a few. But enjoying a healthy lifestyle and keeping fit could also lead to a healthier bank account.
While you may think that the road to fitness is an expensive one—personal trainers and gym memberships don’t come cheap, after all—working out at home and incorporating more activity into your daily routine will get the job done for a fraction of the cost. And the long-term savings add up, too.
Here are five ways being in shape can help save you money.
You can save money on clothes
If you find yourself going up and down a clothing size every six months, you know that the cost of new clothing can really start to add up. Whether you’re a size 6 or a 16, keeping your weight—and clothing size—consistent means that you’ll be able to wear your favorite pieces longer, and can avoid the financial stress of repeatedly replacing your wardrobe.
Plus, bigger clothes cost more.
You’ll spend less money on transportation
Get your energy boost in for the day by walking or riding your bike to your destinations. You’ll save on fuel, vehicle wear & tear, parking, etc…
You’ll spend less money on unhealthy vices
Whether your vice is smoking, alcohol, or fast food, cutting those things out of your life can not only help you to be healthy, but it will save you money! If you smoke a pack of cigarettes per day, you’re throwing away approximately $3,600 a year.
Giving up unhealthy vices can cut your heart attack risk after one year. You’ll also have more cash in the bank—and who could argue with that?
You’ll spend less money on medication
The cost of medications for chronic health conditions, like heart disease, high blood pressure and type 2 diabetes can really add up. Adults who participate in regular physical activity will decrease their risk of more than 25 chronic health conditions. Keeping illnesses under control means less trips to the pharmacy and, less money being spent on medication for chronic health conditions each year.
Do you frequently find yourself buying sleep aids or headache medication? Being in shape is also linked to better sleep habits, which may save you money .
You’ll save money on your grocery bill
Over the past couple of years I have lost over 60 pounds with Weight Watchers. One thing I have learned is that being in shape isn’t just about how far you can run or how much weight you can lift. To enjoy a truly healthy lifestyle, you need to keep your diet in shape, too. When you are trying to be healthy you find that spending money on take-out and unhealthy restaurant grub seems like less of a good idea. The notion that fast food is less expensive than making a fresh meal is a common mistaken belief. With a little meal planning and smart shopping, you can eat healthy homemade meals all week for less than you would spend to take your family to the local fast food shop. If you do go out, just make wise choices on what you order, both in health and the cost.
Can meal planning help save your budget?
Have you ever asked yourself how can meal planning save your budget?
Does this sound at all familiar? It’s 7:00 pm and you just got home from picking your daughter up from dance and you just dropped your son off at basketball. The phone is ringing, the baby is crying and your husband wants to know what’s for dinner. You have nothing planned, the meat is frozen and you already had pancakes the night before. There is a fast food restaurant just around every corner so you decide that on the way back from basketball you will swing through the drive-thru and pick up some burgers, fries and drinks. For $32 you feed your family a meal full of nothing nutritious and you have spent ¼ of your grocery budget for the week.
With some simple planning this situation can easily be avoided. Meal planning is easily accomplished and can save you lots of money and feed your family healthy food.
There are several ways to plan your meals.
Most weeks in my house I have a chart of the wall with each day listed and what I am planning for dinner each day. I make my plan based upon 2 things: what is on sale at the grocery store this week and what I have on hand.
Another idea is to make a rotating schedule based upon what your family likes. Include your family in this plan. You can take a few minutes to devote to meal planning. Be sure to plan enough meals for a 2 week or 4 week rotation just by making a simple chart. Wouldn’t having a monthly plan help you at the grocery store? You would know exactly what you were eating and you would know exactly what to buy. This way when you see things on sale or you come across a coupon you can quickly decide if it’s worth it to you.
Have you ever thought of having “Taco Tuesdays?” If you’ve watched the LEGO Movie I am sure you know about Taco Tuesday! Every Tuesday you can have tacos. I am sure you can come up with a few “theme nights” of your own. My kids have come up with these ideas: “Meatball Monday” and “Waffle Wednesday.” Of course they don’t have to be fancy themes. Your meal planning could just be based on things like Chicken, Beef, Pasta, Crock pot, BBQ, etc… You know what your family’s needs are. Plan for leftovers too!
For me knowing what we are having and having it documented and posted somewhere that everyone can see is super helpful. I have found that when it’s planned and written down, we stick to it. My son who struggles with anxiety really liked it when he knows what is going on and this applies to meal planning too. AND if you are lucky enough your spouse and children might be able to help you!
One more note about meal planning. If I have a plan for meals it really helps me to be able to do a little prep work throughout the day. Then there is really no going back, because I refuse to waste the food!
Deal of the Day – Consumer Reports Magazine Just $16.56 for 1 Year!
Deal of the Day – Consumer Reports Magazine Just $19.49 for 1 Year
June 15th Only – Use Coupon Code 15CJ0615 and Save an Additional 15%!
What is Food Storage? Let’s talk about using coupons and pinching your pennies!
What is Food Storage?
The next and probably most powerful step to successful coupon use is building up a usable food storage or a home store. Usable food storage is a great way to save money and be prepared for emergencies. A useable food storage contains multiples of the items you commonly use. Having six months of a useable food storage is a great preparedness idea and will help you save money.
The concept behind building food storage is simple. When a great deal is found, buy in bulk. Stocking up at your preferred price will save you money. This means you are buying your groceries and other household items at your idea of a best price. By doing this you will almost always get to pay what you want for your items, not what the stores feel they should charge you on a regular basis. Take pancake syrup for example. If you find a great sale on pancake syrup, and maybe you can even use a coupon too, buy what your family will realistically use before the syrup goes bad. When you run out of syrup you will be able to go to your food storage, or home store, and get some from there. You have paid your preferred low price for it instead of paying whatever it costs at the store the week you run out.
As you shop for items and build your food storage it is important to remember to only buy what you will actually use. If you buy too much of something, it is money wasted. If you buy something you will never use, it is money wasted. Lots of new coupon users fall into this trap. When a deal is amazing, you want to get as much as you can. Using smart shopping skills and remembering to buy only what you need will save you money. Throwing unused food and other item away is just like throwing money away.
Donating items to charity can be easy and fun when you shop with coupons. This is the only time I think it is ok to buy things that you won’t use. If you buy things to donate, just be sure to donate them before they go bad. There are usually lots of items that are free and cheap with coupons that can be donated easily.
Building a usable food storage and a home store are the reason why accumulating multiple coupons is necessary. To do this you usually need multiple coupons. If you want to stock up on laundry detergent, be sure to gather multiple coupons for the brand you want to purchase. Remember you can use one coupon per item purchased.
Buying a lot of one thing at a great price can lead to never having to pay full price again. For example, buying six months of cereal at a great price means cereal will not need to be purchased again until you run out. This can be done with many food items and most household goods. This is probably most powerful step to successful coupon use. It will feel great and look great at checkout when you realize that you will never have to pay full price again. Stay tuned tomorrow when we talk more about pinching your pennies!
Using Coupons Wisely – Let’s talk about using coupons and pinching your pennies!
Using Coupons Wisely
Using coupons wisely is another key to successful coupon use. There are many ways to do this and maximize the savings. There are also many ways to use coupons and spend too much money. Far too many people jump into couponing and end up spending extra money and getting items they do not need.
The first way to be a wise coupon user is to avoid using a coupon just because you have it. If there is a coupon for an item that is not a great deal and you do not need it, do not buy it. You don’t have to use every coupon you have. Far too many people Unused coupons can be traded with other coupon users. Expired coupons can be sent to military bases overseas where they are valid six months past the expiration date.
Don’t buy more than you need. It may be tempting to buy as many of a good deal as you can. If toothpaste is almost free after a sale and coupon, you may be tempted to buy as much as you can. Some recent television shows have even encouraged this practice. In reality, wise coupon users only buy what they need and can use in a reasonable amount of time. Even spending a small amount on something turns into a waste if you won’t use it and end up throwing it away.
Watch the sales at different grocery stores. Pair the sales with your coupons to get great savings. Many times items are just a small fraction of their original price when you do this. This is how wise coupon users save the most money. Here at Pinching Your Pennies, we compare the ads and match the coupons for the grocery sales each week. This makes it so much easier for you. We also have a place in our forums for other coupon users to share deals they find each week.
Know the coupon policies at your local stores. Stop at the customer service desks and ask about their coupon policies. Some stores double and triple the value of coupons. Some stores will combine a manufacturer’s coupon with a store coupon. If a store has a coupon in their ad or in store and there is a manufacturer’s coupon for the same item, both can be used. Two manufacturer’s coupons can not be combined. There are some stores that accept competitor’s store coupons.
Read each coupon carefully. Most state “one coupon per purchase”. Each item bought is a purchase. If you purchase 10 toothbrushes you can use 10 coupons for them. This is another way wise coupon users maximize their savings. Buy multiple of whatever you will use when it is a great price. It is quite rare for a coupon to state “one coupon per customer”.
When coupons are collected, organized and used in these ways it is easy to slice your monthly grocery budget in at least half. We have lots of other great ideas to help you do this. Watch tomorrow night for another blog in this series.
Coupons 101 – Let’s talk about using coupons and pinching your pennies!
At Pinching Your Pennies we have decided to bring you a multi-part blog series about using coupons. There has been a lot of talk about coupon use, both good and bad lately. Recent popular shows have made coupon use look like crazy behavior and scared many away from using coupons. People on these shows buy 52 bottles of mustard or 79 toothbrushes and try to call it normal coupon use. No way! In reality, most coupon users are normal shoppers who shop very unnoticed through the store. Let’s get down to the basics!
Coupons 101
Is clipping and using the grocery coupons in the Sunday newspaper a waste of time? No! Using coupons, smart shoppers have learned how to live on a grocery budget of less than they ever imagined! Savings may be small in the beginning but with knowledge, time and practice coupon shoppers are saving more than ever imagined. Even if you don’t NEED to pinch your pennies, you can still have more than you ever thought you could! Who couldn’t use a little extra money? Extra savings in the bank, extra vacations, a new car, there are lots of things all of us could do with a little extra money. It is so much easier to save money versus earning more money. Using coupons and saving at the grocery store is so easy to do and the savings can really add up!
Accumulate Coupons
The first step to achieving these terrific savings and successful coupon use is accumulating coupons. Each week there are usually two different coupon inserts in metropolitan newspapers with a third insert available once a month. Having multiples of each coupon enables a shopper to take advantage of the great deals in bulk. This will help you build a useable food storage. Obtaining multiples of coupons is not difficult. Family, friends, neighbors and co-workers are great sources for obtaining multiple coupon inserts. Find friends who are coupon users and trade the coupons from Sunday paper that you can’t use, for coupons that you can.
Another source of coupons is the internet. Printable coupons and coupon offers can be found at many manufacturer and coupon related websites. Many manufacturers also offer coupons which are sent post mail. If you watch our blog, forums and emails you’ll see that we bring you links every day to many of the great printable coupons around the internet.
Additional coupons and in-store savings can be found at most grocery stores. Coupons commonly called blinkies are available in red machines set up in aisles in the stores. There are also lots of other displays and coupon holders out in the stores. Pay attention as you go down the aisles and you’ll learn to spot these easily. Also, apply for grocery store courtesy cards. Most grocery chains have these complimentary cards which provide extra discounts and savings at their stores. These discounts can be combined with coupons for maximum savings.
It sounds crazy but this is actually the hardest step. Deciding to start using coupons and making a plan to gather them really is the hardest part! Stay tuned… tomorrow we will talk about getting organized!