Saving Money Tips and Ideas

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 …

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

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

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

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 …

Voucher Codes – Will They Really Save You Some Money?

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 …

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

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. …

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

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

What Are Coupon Codes and How Can They Save Money When You Shop at Your Favorite Indian Online Shop

Looking to save money the next time you go shopping at your favorite website online in India? There are a wide variety of goods and services you can buy online today, but what many people don't know is that you don't have to pay the listed price. Why shop online in the first place? Well, shopping online is convenient and it is a great way to get hard to find items at prices most brick and mortar stores can't beat. But did you know that you can get that good or service even cheaper than what many websites list? Coupons or coupon codes make it simple and easy to get a discount at any Indian ecommerce site. These coupons allow you to get massive savings on just about almost anything by typing in a few words and clicking your mouse. Now you can save even more when you go shopping online.

How do coupon codes work for Indian websites? Why would websites even want to give you coupon codes to help you save money in the first place? Well, many websites actually give out these codes because they want your business. They know that if they offer you a discount you will most likely buy from them and keep buying from them for all your future purchases. Want a discount on something you buy from eBay? See a pair of shoes you like and want to knock a few dollars off it? How does saving a couple of dollars on your next pizza sound? You will find coupons for just about every kind of website on the internet. Coupon codes are usually a short word or phrase, or sometimes they are a series of numbers. Whatever it is the good news is that you'll be able to save money no matter what you buy. How much can you save? This really depends on the store, but many coupons allow you to save a few dollars or even up to 50%!

Ok, so the idea of ​​using coupons to save money is great but just how can you go about finding them? You may have noticed that finding coupons online is a little bit difficult, but this is only if you don't know where or what to look for. The first thing you can do is try joining an email list at your favorite Indian website, and with some luck you may discover that they send out special coupons to their subscribed email customers. This is the easiest way to find coupons. The next trick is to go looking for coupon code websites. People love collecting and sharing codes with their friends and family and you may find some websites that actually list discount coupons for various Indian stores. Another trick to find codes is to check your local newspaper. Some stores will actually give you a code in the newspaper to encourage you to shop online and save even more money.

The next time you go shopping online, just stop …

How to Save Money on Beauty Products

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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Saving Money with Online Coupon Codes

What are coupon codes?

You will come across two main categories of online promotions when shopping. One of them is the "coupon code" otherwise known as the "promotional code" and another is a "link only" promotion. Either of these options may be offered by online merchants as promotions.

How do I redeem a "linked" coupon or product?

These do not contain an actual coupon code and have to be activated through the special link. You get the discount after clicking this link (which will take you to the online store) and will obtain the discount as you check out.

How do I redeem a "coupon code" coupon?

It may differ from one merchant to another. There are a number of different places where the coupon code may be entered. In some instances the coupon code could be entered in the shopping cart itself.

At other times the coupon has to be entered on the order review page just prior to checkout. Keep a lookout in the coupon "submit" area the first time you purchase from any website.

What if I don't see any place to put the code?

Check the FAQ (frequently asked questions) page of the website. This is usually found on the "customer service" page. In case you are unable to locate it in the site itself, call and ask the merchant how the coupon codes on their website should be used.

How do I know if a "coupon code" is working?

The merchant will usually have a page where the amount you are charged is indicated, the amount being discounted after submitting your discount code and any shipping fees that applies. All these details maybe showed on an order page before you submit approval of the charges. If you do not see the discount upon entering the coupon code on the review page then do not place the order.

How do I know if a "linked promotion" is working?

Usually a linked promotion takes you directly to the product itself which is being promoted either at a special price or to the page that is advertising your discount. If this is not the case look for it on the order page before accepting the transaction as a purchase.

Why does the coupon work?

Most times the merchants omit an expiration date which allows them to monitor the promotion and discontinue it in the event it receives more responses than planned for. Online merchants alter or will discontinue any promotion at any time they want to and therefore it is almost impossible to know 100% of what so many merchants are actually doing with promotions. In the event your coupon does not work, it is best to search for another one on the same site or on any of the many other coupon sites online.

Can I use inline coupons in my local stores?

Physical stores (brick and mortar stores) are not obliged to honor online deals unless the promotion categorically specifies that they will. However, some stores …

How to Save Your Wedding When You Run Out of Money

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 …