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Moms In Touch
June 24, 2007

Visit my blog at http://the-day-of-a-mom.blogspot.com

In This Issue...

Frugal Living Tips

• Annoucement! Check our the new weight loss guide,
  30 days to a Healthier You!
• How To Save Money At The Grocery Store
• Advertising Opportunity for Your Home Based Business
• Get Rid of Your Credit Card Debt

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How to Save Money At the Grocery Store

I love going to the grocery store and looking at my receipt to
see how much I saved. The best I’ve personally done is 70%
and I’ve only been able to do that once. I really try to save
between 30% and 40% when I visit the grocery store, if possible.

In addition to the tips below I also shop at a grocery store
that gives me gasoline discounts. Each time I spend $50 in
groceries, the store gives me 3 cents per gallon off on my
gasoline. My car usually will take 13 gallons. At 3 cents per
gallon off, it’s another 39 cents I’m saving when I shop.
I know that doesn’t seem like a lot, but if I fill my car 26 times
per year (every other week), in a year I’ve saved $10.14. That
ten dollars comes to me just for shopping at a store that has
great prices to begin with.

Here are several of my tips for saving money at the grocery store:

1. Buy day old meat. If you freeze the meat it will hold for
several months. Sometimes I can save 50% on the cost of the
meat by buying day old meat. This applies to poultry also.

2. Buy bread at outlet stores if available. Again, I save 50% by
buying the day old bread. I keep bread in my refrigerator, so
it will last many days. If you don’t have an outlet store,
compare the price of store bought bread with the price of
day old bakery bread.

3. Watch the store sales. I try very hard to not run out of items
so that I only buy items when on sale. For example, we make
spaghetti at least once a month. I use Prego sauce as a base. I
buy it when it’s on sale, knowing I’ll use it in the next month.

4. Use coupons. If I see a coupon for a product I use, I cut the
coupon. If your store offers double coupons, shop on the days
your coupons will be doubled. If you can buy an item on sale
and use a coupon, you’ll save even more. Consider trying a
different brand, if there is a coupon and it will cut your overall
grocery bill.

5. Grocery stores tend to put the higher priced items at eye level.
Check the top and bottom shelves to see if a different brand or
different size might be a better price.

6. Compare brands. Don’t be afraid to try store brand products.
One of the major manufacturers is making the store brand product.
I actually save quite a bit of money on mayonnaise by buying the
store brand. We bought a small jar of the store brand and liked it.
Now it’s all we use.

7. Shop with a list. Try not to impulse buy. Stick to your list. I try
to only impulse buy if I find something on sale that was not in the
circular and it’s an item we use.

8. Plan your shopping. We have one store in town that always sells
eggs for a dollar a dozen. I seldom find them at the grocery store
for that price. I make a plan to buy eggs while in the part of town
where this store is. I plan ahead so I don’t run out of eggs prior to
going to this one store.

9. Buy in bulk if the price is right. We use real butter in my home. I
buy 6 pounds at a time. I put it in the freezer and it keeps for months.
I get the best price buying butter in bulk this way.

10. Always check price per unit, or price per ounce. Larger does
not always mean a better price. Laundry detergent is a great
example. I’ve been able to buy 3 smaller containers for less
than the cost of one larger container.

Once you begin seeing the savings, you’ll begin to look forward
to shopping just to see how much you can save!

Article by:

Audrey Okaneko is mom to two girls. She can be reached at
audreyoka@cox.net or visited at www.recipe-barn.com

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Get rid of your credit card debt

You are a credit card user and your credit card debt has
reached to unexpected levels providing you most inconvenience
then it is important that you learn how to use it effectively
so that no one abuse the credit cards and pay them off easily.

You need to consider these following credit card debt
elimination tips:

1. You have to be aware of all the included fees associated
with your credit card and therefore you need to know the
annual fees, current interest rates, finance charges, cash
advance fees and any other fees that is included along with
your card because this will help you to make better decisions
while managing your cards.

2. You should get cash advances when it is most necessary
because higher interest rates are charged and most of the
banks usually charge a service fee that is related to how
much cash you withdraw.

3. You should look out for credit cards that could offer lower
interest rates. Low introductory rates could be helpful if you
want to become credit card debt free so you should look for
credit cards offering lower intro rates and then you can transfer
the balance from your previous credit card to that credit card.
The thing to consider here is that after the intro rate has expired,
the new card offers you a less interest rate or the same.

4. Most of the finance experts agree that the most common
mistake credit card consumers make is the minimum payment
because saving lots of money on interest to get debt free goals
sooner shall pay you more than what is required each month.

In short, it is very true that to get into the credit card trap is
very easy but to get out of it is not as simple. You can even
contact your credit card company so as to try to get your
interest rate lowered or some different payment plan to be
worked out.

Article by:

Olivia Andrews, writing for Credit Card Debt Consolidation Guide is a freelance journalist and has written many reviews on subjects
such as finance, education, health, entertainment, music, gifts,
crafts, travel, apparels and mobile phones.

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