Money Savings

Groupon $10 Offer


Groupon is offering a $10 bonus for me and a $10 bonus for the person I refer. The person needs to make a purchase by January 25, 2011.

About Groupon
Groupon negotiates huge discounts—usually 50-90% off—with popular businesses. We send the deals to thousands of subscribers in our free daily email, and we send the businesses a ton of new customers. That’s the Groupon magic.

Some of the past deals include:

74% Off Zipcar Membership

69% Off at Pure Power Boot Camp

Up to 85% Off Dental Services

Please sign up using the link below.
http://www.groupon.com/r/uu6298533

Offermatic Offers Automatic Savings

Offermatic is a service that provides discounts, savings and rewards automatically for you.

Automatic Rebates

  • Rebates applied directly to your card
  • No coupons or codes to deal with

Exclusive Discounts

  • Hot deals based on purchase history
  • Discounts always 50-90% off!

Reward Points

  • Earn points automatically
  • Redeem points for gift cards & more!

Watch the video below for a quick explanation of how Offermatic works. Then, sign up and register at least one credit or debit card with them and they’ll do the rest of the work. It’s quick and seamless. They will access your credit or debit transactions and compare them to their database and try to match you with offers and discounts.

I have signed up for this service and after registering my credit cards, I have received 5 offers in less than 10 minutes, 3 of them are highly relevant to me. They also have a points system that allows you to receive better deals as you accumulate more points. Sign up today:
http://www.offermatic.com/refer/2838

Groupon Offers Great Daily Deals

Groupon features great daily deals on the best stuff to do, see, eat, and buy in a variety of cities across the U.S., Canada, and Europe. The daily deals offers deep discounts to Cruise packages, ZipCar membership, restaurants, massage sessions, tickets to popular shows and more.

I recently purchase $50 Worth of Apparel at Gap for only $25, a whopping 50% off. An email was sent to me a day after my purchase, with a link to print out the code for $50 of purchases in Gap.

If you would like to sign up for Group, click here.

2010 Tax Day Food Freebies and Deals

Tax day just got better. Now companies are giving out big bargains or even free stuff on the day of the tax filing deadline.

On Wednesday 04/14/2010 (the day before Tax Day)

Whole Foods – free cup of offee at participating locations. See local ad for details at wholefoodsmarket.com.

On Thursday 04/15/2010 (on Tax Day):

Chik-fil-a [dailypress.com] (YMMV) – Some locations may be offering free mini-biscuits from 6-10:30AM.

Cinnabon – two free cupcake bites from 6-8PM.

MaggieMoos’ – free sample of their new ice cream pizza.

Taco Del Mar, Del Mar’s or Mondo’ – Sign up online and get a free taco.

Whole Foods [bizjournals.com] – Tax-free shopping in Alabama, Georgia, Tennessee and the Carolinas.

McCormick and Schmick’s – $10.40 dinner and drink specials at the bar. You’ll also get a “Tax Relief Certificate” for another $10.40 of free food and drink.

McDonald’s [coupondivas.com] (YMMV) – Some locations may be offering a Big Mac or Quarter Pounder for a penny when you buy one at regular price. Call or check to see if your location is offering it.

P.F. Chang’s – 15% discount on all food (does not include alcohol).

Jamba Juice Buy 1 Get 1 Free (4/12-4/25)
Jamba Juice is having a BOGO sale to celebrate their 20th anniversary. Buy one drink off the menu, get another drink of equal or lesser value for free. The coupon can be printed from their website: http://www.jambajuice.com/#/home/

Boston Market: They have a BOGO coupon good from Apr. 15-18.

HydroMassage: Print out this coupon and schedule a free massage any time on tax day through April 18. Bonus points for going multiple times each day.

Mr. Jim’s Pizza: Most of their locations in TX, LA, WY, and NC are giving away a free pizza if you first fan them on Facebook and print out the coupon.

Starbucks: Bring in any reusable cup and get it filled with free coffee.

Taco Del Mar: FREE TACO!

How I Cut Down On Food Expenses

I eat out frequently and I have noticed that I have spent a lot of money on food. In 2008, I spent more than $8,300 on food-related items (including drinks and dining out), and this is only for one person. I thought that I should cut down on my food expenses. I went to the supermarket and went food shopping. I came home with many bags of groceries. I prepared sandwiches at home and brought them to work over the next 10 work days.

In the morning at work, I usually buy breakfast from a deli and would pay $3 for an egg-and-meat sandwich. Now, I could prepare the same sandwich at home for a fraction of the cost.

In the afternoon, I would buy lunch in different food places and spend around $10 for a meal. Now, I could prepare a sandwich that would cost much less.

My Groceries Bill from Pathmark

My Grocery Bill from Pathmark

My Bags of Groceries

My Bags of Grocery

My fridge stocked up with grocery

My fridge stocked up with grocery

Bread for My Sandwiches

Bread for My Sandwiches

A sandwich I prepared for work

A sandwich I prepare for work

My Breakfast / Lunch Savings for 10 Days
Average Cost for Breakfast: $3
Average Cost for Lunch: $10

10 Days’ Cost for Breakfast: 10 days x $3 / day = $30
10 Days’ Cost for Lunch: 10 days x $10 / day = $100

10 Days Total Cost: $130
Cost of Groceries: $55.85

Net Savings for 10 Days = $74.15


Long Term Savings
The savings will add up over the long term. If I can save $74.15 in 10 days, I can save $741.50 in 100 days. And in one year, I can save approximately $2,706.

I have done this savings only for breakfast and lunch. If I decide to cook my own dinner, I could extend my savings even further.

My Statement

The brown bag lunch concept has worked out pretty well in terms of money savings. Many of my coworkers bring lunch to work on a daily basis and they have saved a significant amount of money over the years. But when I asked several people why they bring lunch to work, I learned that the main reason is not just to save money. Surprisingly, the primary reason to brown bag lunch is because lunch from home is much more healthy than lunch from “outside.” In addition to eating healthy, they also happen to save money, thus killing two birds with one stone.

The only downside to this brown bag lunch concept is that I get tired of eating the same sandwiches after a while. But this is mainly because I have limited cooking skills. Once I become more creative in making better lunches, I believe this brown bag concept will work out well in the long term. I can see myself preparing and brown bagging tastier meals which will be beneficial to my health, and at the same time,  save money, which will be beneficial to my wealth.

Year-End Home Checklist

Unnecessary waste of food, like letting the food sit in your home for a long time and letting it expire, becomes a waste of money. Poorly run equipment wastes more electricity and tends to fail more early. Crowded and dusty homes have a negative impact on your energy level and lifestyle which then affects your financial life. In recession times, especially, we want to make the most use of all the things we own. We want to keep spending to a minimum and preservation of cash to a maximum. By keeping an up-to-date inventory of what we own, it gives you a good idea of what you can keep and what you can throw away.

The end of the year is a good time to do an annual inventory check for all the important things in your home. The purpose of this annual check is to make sure everything in your home is in tip-top shape, from having edible food in your fridge to fresh batteries in lifesaving devices to clean bathrooms. (more…)

Don’t Throw Away… Reuse

Reuse means to use the same item again, generally for a different purpose. As opposed to recycle, which means to break down the product and create a new item using the old materials, reuse extends the life of the product.

I am a huge proponent of reusing products. I do not like the idea of “wasting stuff.” Moreover, reusing products saves money and possibly time. I often find ways to take products that are no longer useful in its original context and use them for something else that becomes useful. Here are some of items that I frequently reuse:

Used Plastic Bags
I use the grocery bags for my trash. I save up all the bags from shopping and use them for my waste basket.

Used Dryer Sheets
I use them to wipe my desk and LCD screens. They may not be good for your dryer anymore, but they are great for picking up dust.

Old Newspaper and Magazines
I use them as table spreads for meals. They are great for keeping my table clean of food stains and spills. Once the meals are finished, I throw the papers away.

Used Plastic Jars/Containers
I use the plastic jars/containers to store packaged sauce, like ketchup, salt and pepper. I also use them to store plastic forks, knives, and spoons.

Shipping Boxes
I reuse the shipping boxes as storage boxes to keep my apartment organized. I stack up the boxes to save space.

Advertisment CDs
I received tons of CDs from AOL in the past. I used the CDs as coasters.

Expired Visine Tear Drops
My unopened boxes of Visine tear drops had expired. Instead of throwing them away, I reused the fluids to clean the lens on my glasses. And it works great.

If you also reuse items in your home or office, please share your experience.

And here are some related links:

The demons of disposable water

Why Reuse Beats Recycling

freecycle

New York Public Library

On my way home last week, I passed by a New York Public Library. I walked inside and gave myself a tour. The New York Public Library feels like it’s an old place, with old furniture and bookshelves. I have not been to the New York Public Library for ages. Walking in the public library brought back many memories. I used to do my research reports in the public library.

The best thing about the New York Public Library is free access to information. The public library is a reservoir of written knowledge. There are tons of textbooks, novels, magazines, DVDs and newspapers. And even free internet access. Sometimes they have presentations and shows.

I walked over to the business books section and I saw a large collection of business and personal finance books. I browsed through several books and thought there were a few that were interesting.

If you have the time, the New York Public Library is a great resource for gathering the latest information. Even if you are not doing research, you can sit and read a nice story book and save money by not spending money somewhere else.

You can apply for a New York Public Library card in a local branch or online. The card is free for New York City residents. For nonresidents of NYC, there is a $100 annual fee.

Reference: http://www.nypl.org/

Savings Tips

Million Dollar Journey has some savings tips for everyone. Basically, think twice, before you spend.

Online Rentals

Netflix is now offering unlimited rentals (3 out at a time) for $18 a month. Plus, they have a 2-week free trial for new customers.

Blockbuster.com is now offering unlimited rentals (3 out at a time) for $10 during the first month, and $17.99 a month thereafter. Plus, they give a free in-store rental (even video games). Blockbsuter allows you to return your online DVDs to a physical store and exchange it for an in-store rental. The DVD rental is flagged as checked-in, and they process the next DVD in your online queue.