By: Shariva Smith
Now that the holidays are over, let’s break the cycle of going into debt by starting the year off with the habit of saving
- Create a Gift Budget! Make a list & check it Twice!!
Ask yourself these questions! How much do I want to spend this holiday or celebration? Who am I getting gifts for? By planning in advance you are more aware of expenses instead of splurging on the unnecessary. So get a jump start on Holiday shopping and save and allocate your expenses more evenly without going broke! For example: Valentine’s day will be coming up. Do you need to buy goodie bags for the kids to take to school? Does your wife/Husband want a new Movado watch? (I do!) Plan and Budget!
- Put yourself on your shopping list!
Don’t deprive yourself! As you shop for others you will always see an amazing purse or latest gadget with your name on it. TREAT YOURSELF! But stay within your budget.
- Research Deals
Search Amazon & Ebay and see if you can find specific item for less than retail price. Check out RetailMeNot.com which has coupon codes for instore and online savings.
- Rebate Sites
Don’t forget to snap a picture of your receipts and get those rebates! If your ordering online make sure your buying through Rakuten.com: Get up to 40% Cash Back at over 2,500 stores. Also, scan your receipts for more rebates on these FREE apps: Ibotta (Referral Code: npxfhch) and Fetch rewards
- Coupons!
Couponing can be time consuming but once you start saving your dollars its addictive. Have you seen Extreme Couponers on TLC and wonder how they are doing it? With coupons you can even make money using your rebate apps.
So what is a coupon? A coupon is a discount that can be applied to reduce a product for purchase. Where can you get your coupons? Saturday Early edition, Sunday Newspaper, coupons.com, gas stations, tear pads, and etc. Pull out your inserts and get to savings!
Stay tuned to learn more about couponing and savings tips in our upcoming series Coupon Basics! #SAVINGMYPOCKETS
