Category Archives for "Money Saving Tips"

Feeding Your Family on a Budget? There Are Ways to Spend Less on Groceries! Read on to Find out How

spend less on groceriesCoupons can help you spend less on the groceries you buy every day. Coupon day is especially big business in the newspaper world, with savvy shoppers getting several copies to fully cash in on deals. Unfortunately, most people don’t really know how to use coupons effectively. It seems the more tools we’re given to save money on groceries, the less we understand how to use them.

Follow these simple tips to spend the least possible on your favorite foods:

Get newspaper coupons.

Once or twice a week, your local paper will deliver coupon circulars. You want all of them. The first mistake bad couponers make is ignoring coupon day or only clipping a few offers. Take the entire coupon mailer, write the date on it and stick it in a drawer or envelope for safe keeping. If you don’t want to buy the paper, ask a friend or neighbor if you can have their circulars. Despite the rise in popularity of online and mobile coupons, manufacturers haven’t abandoned print business.

Download money-saving apps.

There are several apps available for iOS, Android and Windows which allow you to get credit for your purchases. Ibotta and Checkout 51 are two popular resources mentioned frequently on sites like KrazyCouponLady.com. They log your purchases and offer you cashback and similar rewards over time.

Look for quality coupon websites.

CouponMom is famous for her Extreme Grocery Deals, with data broken down by state. Just sign up for free, click to Georgia’s extreme deals and you’ll see a list of foods that are currently on sale and have a coupon available that brings prices down by at least 50 percent. Others are down by more than 100 percent, meaning you actually get money back.

Clip online coupons.

While visiting places like CouponMom, you’ll find out about online manufacturer or store coupons you can use for securing more deals. Make a note of them, and take a minute to print them off before you go shopping. Many of these can be printed off twice, but they can’t be photocopied. Other sites allow you to send coupons to a mobile device, but many businesses still can’t honor digital coupons, so you might want to ask before going to the trouble of collecting them. Once printed, put them with your newspaper coupons.

Get your weekly grocery list, gather your coupons and go shop.

Right away, some readers may complain that the coupons don’t relate to anything they’d usually buy. Who cares if ramen is 3 cents a packet if you’ll never eat it? In this way, extreme couponing encourages you to expand your tastes, but obviously, if you’re turned off by something, you shouldn’t buy it.

Log your purchases.

Now that you have resources like Ibotta, put them to use. Whether you’re snapping a copy of your receipt or logging sales totals into a website, take a few minutes to secure your rewards. Waiting can mean losing a receipt or forgetting about a sale, so make sure to make it a habit.

Build a meal plan around your cheap grocery items.

Spontaneity can be fun, but it rarely leads to lower grocery bills. Make a plan for the upcoming week based on the cheapest ingredients or prepackaged foods you could find. You’ll wind up eating a wide variety of foods while spending the smallest amount possible.

Shop for other groceries online.

While many of the grocery stores offer online purchases, there are a few outfits that excel at providing food savings delivered right to your door. Among the best is Amazon.com’s Pantry program. You can save significant money buying non-perishables in bulk, and with Amazon Prime’s free shipping, you can get your food items in 2 days or less at no extra cost.

We hope these tips on how to spend less on groceries will help you stretch your budget farther than ever before. However, if you run into the need for extra funds, Title Tree is always here to help you. Even if you’re working to save money by spending less on groceries, you may need a title pawn to help you in the meantime. Come on in to Title Tree, and we can help you get the cash you need.

 

 

It’s Your Big Day! Here’s How to Stretch Your Wedding Budget to Get the Biggest Bang for Your Buck

how to stretch your wedding budgetWhen researching how to stretch your wedding budget, you’ll come across a lot of tips capable of saving you a few dollars here or there. These are the kinds of tasks which you may as well pay full-price for, as the convenience is often more than worth the expense. You want to focus on money management tips for savvy brides—the kinds that can save you hundreds of dollars in one stretch. Title Tree is here to help.

The following wedding planning tips provide real savings for real brides who want a wedding that far surpasses what they’d normally be able to afford:

 

Save on your venue.

According to a survey by The Knot, the average cost for a wedding’s venue in 2013 was over $13,000. Savvy brides can find a beautiful, inspiring location for a wedding at a big savings in any number of ways. If you’re among the 90 percent of couples who want to be wed in relatively warm temperatures, getting married in the outdoors can be an affordable option.

If your heart is set, however, on a particular venue, a winter wedding can present mega-savings. Sometimes, you won’t be charged at all if you hold your ceremony in off-hours. The key is to find a venue with all the features you need, and then ask about special savings.

Save on dinners, parties and brunches.

Small celebrations related to a wedding are on the upswing. It’s custom for both bride and groom to have their own party, in addition to bachelor/bachelorette outings and wedding showers. Then there are rehearsal dinners, wedding receptions, after-parties, and morning-after functions, like breakfasts with the parents or a wedding party brunch.

Many weddings now take up a full weekend or more of your time, which is hard on budgeted time as well as money. You can do your guests and your bank account a favor by scaling back a little bit. Serve snacks and refreshments during your rehearsal instead of a formal meal. Leave for your honeymoon during your reception so that after-parties and brunches aren’t even a question. These small steps still allow for spending time with your guests, but seriously cut back on your cost-per-person.

Save on services.

Photography, catering and entertainment take up healthy chunks of a wedding budget. If you look at your alternatives, you may find surprising bargains. Rock bands that pay for $500 at a club might jump at the chance to play your wedding, and they’ll usually agree to your set list. You can burn your own CD for dance music instead of hiring a DJ.

Photographers with senior portrait or pet photography experience may jump at the chance to add wedding work to their portfolios. Similarly, you don’t have to pay top dollar for items like shoes or accentuating jewelry. Rent it instead.

Where not to skimp.

Table settings and flowers are two of the most recommended areas for savings, but they usually don’t look as nice without professionals taking charge. Doing them yourself rarely provides enough savings to make it worth going through the trouble either. Instead, perform a thorough search online for affordable alternatives. The cake is also something you should leave to the pros. This item gets a lot of focus during the reception, and the taste will leave lasting memories, so make sure you invest in the very best.

It can take time and practice to learn how to stretch your wedding budget. If you need a bit of wiggle room, a title pawn can help. Call or visit your nearest Title Tree store to find out whether you qualify.

 

 

Learning to Make the Most of Your Budget? You Need These 5 Practical Ways to Save Money on Food

What’s the easiest way to save money on food? Fill up!

save money on foodMost families are looking for ways to save money on food, but in the rush to clip coupons and take advantage of big deals, they miss the most obvious methods.

Use the following tips to trim your waist, along with your budget:

1. Eat filling foods.

Processed foods chalked full of salt and preservatives fill you up for just a few hours. They’re also packed full of fat and sugar, leading to a perpetual overload of empty calories. It’s no wonder poverty and obesity go hand in hand. The cheapest foods available in the convenience aisle are designed to pack on the pounds. Turn this trend around in your home by focusing on healthy foods that keep you full for longer stretches of time.

Oatmeal provides an excellent start to your day. It’s rich in fiber, fast and easy to make, and you can switch it up often by serving it with different toppings, like nuts, berries and banana slices. Fatty fish like salmon makes for a satisfying lunch, especially served in a whole wheat wrap with spinach. Other filling foods include: potatoes, beans, broccoli, apples, Greek yogurt, broth-based soups and milk fortified with vitamin-D.

2. Drink more water.

Americans are known for portion sizes that astonish the rest of the world, but somehow—even knowing this—it’s easy to feel hungry when enjoying smaller portions. Thirst may be the culprit behind the problem. With the shocking amounts of sodium in processed foods, it’s no wonder our bodies are clamoring for more water. In order to save a huge amount of money on food, it’s essential to first change eating habits. Making sure you drink enough water is very helpful in that task.

How much water do we really need? Many people need more than the allotted eight glasses a day. A good rule of thumb is .35 fluid ounces per pound of weight for sedentary people, and .5 fluid ounces for those who are active or breastfeeding. Women who are active and nursing should consume a bit more.

3. Eat meatless more often.

Beans and potatoes are two very affordable meat alternatives. From bean and salsa tacos to braised potatoes with leeks and garlic, they can both step in as the main course more often than we give them credit. They’re filling too, so you won’t find yourself in need of enough to make seconds (or thirds). Some of the tastiest meatless main dishes include potato and broccoli casserole, potatoes au gratin, bean and cheese enchiladas, and vegetarian chili and lentil soup.

4. Use a crockpot to put tough, cheap meat to good use.

Crockpots utilize slow cooking methods that infuse meat with flavor and cook it thoroughly. It’s also well-known for making tough meats so tender they literally fall of the bone. When you do need to use meat in a recipe, go for the cheapest, toughest cuts and prepare them beforehand by cooking them on low all day in your crockpot.

5. Take advantage of drugstore promotions.

CVS and Walgreens can be found throughout Georgia, and they have reward programs that many patrons miss out on. Yes, the food selections here aren’t very inspiring, but that changes once you start to look at specials. Using the stores reward cards, you can save quite a lot. You also rank up free dollars to spend at the end of each quarter or month. Pairing these promotions with manufacturer coupons can lead to free or very affordable snack and convenience food purchases. It doesn’t provide the same savings you get from extreme couponing, but it’s a start.

We hope these tips on how to save money on food will help you stretch your budget farther than ever before. Extreme couponing can help, but it takes an investment to get started. If you’re committed to trying but don’t have the extra money needed to start, an auto pawn could help. Call your nearest Title Tree location for help.

Planning for Spring Vacation? You Can Make it Big With These 3 Tips: How to Save Money at Disney

What are the easiest ways to save money at Disney?

save money at DisneyDo you know how easy it is to save money at Disney? You can stay at the nicest hotels, eat at the finest restaurants and still have money left over if you avoid paying rack rates. Take the following three tips from a Walt Disney World veteran before planning your next trip:

1. Save on Disney tickets.

Purchasing Disney World tickets will be one of the biggest expenses of your trip. They can cost thousands, and there’s such a wide variety that people sometimes make mistakes trimming off a few bucks but severely limiting their use of the parks. Don’t make this mistake.

Tickets with the Park Hopper option allow you to visit any combination of the four parks—the Magic Kingdom, Epcot, Hollywood Studios or the Animal Kingdom—every day of your vacation. This can be especially helpful in avoiding crowds and bad weather. The convenience is worth the extra expense for most people. The exception would be if you’re going for a very short trip and know you won’t be visiting all of the parks. Unfortunately, that’s not where your decisions end.

Ask yourself a few questions:

  • “Am I a fan of waterparks?
  • Am I likely to go more than once during my trip?
  • Will I spend my days riding the rides and spend my nights at the arcade?

If this is your first trip, you may want to wait until your second day in the parks to make up your mind. They’re much bigger and busier than many people imagine them to be, and you may find you don’t have the time or energy for extra stops. The good news is if you do decide you want the extra ticket, you can add the Water Park Fun & More option to your existing tickets.

Finally, will this be your only trip, or will you visit a few times during the year? Disney offers both an Annual Pass and multiple-day passes with no expiration date, which are useful for spacing out your visits. A normal five-day ticket expires 14 days after activation.

The cheapest tickets can be found through AAA, and you don’t have to be a member to take advantage of the savings. Unfortunately there is a lot of ticket counterfeiting online and through in-person scalpers, so unless a source has an established reputation, they’re best avoided. It also makes no sense to purchase a partial ticket. Disney uses biometrics to ensure ticket holders follow their non-transferrable policy. That means, to get in the parks with a used ticket, you’ll need the original visitor’s fingerprint. There’s no way around it.

2. Save on dining.

Eating in the parks can cost $1000 or more over the length of your trip. Disney dining plans were created to help families save, but in truth, they don’t provide much of a savings. They’re really only worth enrolling when they’re tacked onto a vacation package at a serious discount. If not, you’re better off ordering a la carte. That said, there is a way to save a tremendous amount of money at Disney World: bring your own food.

Yes, you’re on vacation and cooking doesn’t sound like much of a break, but just bringing your own water and snacks can help lower your costs tremendously. Disney’s policies have changed too, so now you’re allowed to bring in food. There are a few restrictions—like no coolers and no alcohol—but you can eat most of your meals out of a backpack with little fuss or expense. If you’re driving, you can bring your own groceries or you can have them delivered, either through Amazon or a local grocery delivery service.

3. Save on Disney Resort lodging.

The cheapest place to stay on property is Disney’s Wilderness Camp. Tent sites start as low as $70. For roughly $30 more, you can get a room at a value resort. If you want to stay in a concierge suite at a deluxe resort, expect to drop at least $800 a night. That’s true unless you’re able to travel during the off-season when Disney has their biggest specials. Rooms can be discounted by up to 35 percent, and sites like Orbitz and CheapTickets.com offer an additional 10 – 15 percent off.

Save even more by booking your trip for adults, and then following up with a call or email to add the kids later. According to Mousesavers.com, this can save an addition $15 – $25 per child.

Tickets, dining and lodging are the biggest expenses you’ll have when you go to the parks. Don’t just save money. Make sure you invest in the services that count, so you have an affordable and valuable vacation.

We hope these tips on how to save money at Disney will help you stretch your budget farther than ever before. However, some of the biggest savings available require an investment first, and for those occasions, Title Tree is always here to help you. Call or come in to the Title Tree nearest you for more tips on spending less at Disney – or if you need a little help making ends meet right about now.

 

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