Posted by Marie Presti on 10/8/2017

As you may have noticed, your family's grocery bill accounts for a big chunk of your monthly household budget. Fortunately, there are many ways to prevent your food bill from spiraling out of control! Some money-saving strategies are obvious, such as using discount coupons and not shopping when you're hungry, while others are not as widely known.

If you habitually buy more expensive name-brand products without having a specific reason for doing so, it might pay to experiment with generic or store-brand grocery items. When you compare the prices, the savings can really add up! In some cases, there is a noticeable difference in quality, but in countless other instances, the store-brand products are on par with the well-known name brands.

One question to ask yourself is this: "Why pay substantially more for name-brand products when all you're really doing is helping huge corporations pay for their immense advertising budgets?" Your challenge -- and this can be worth the effort -- is to determine which store-brand products are comparable in quality and which ones are not worth the savings. In many cases, the difference in quality is negligible (or non existent), but the total savings from comparing prices can easily add up to $5 or $10 per shopping trip -- and who amongst us would voluntarily throw away a ten-dollar bill every time we went grocery shopping!

It's also interesting to note that many supermarkets tend to stock their more expensive products at eye level. By shifting your glance to the higher or lower shelves at the store, you can often spot money-saving bargains that would have otherwise escaped your notice. While you're at it, it also pays to check out the expiration date on products so you don't end up wasting money on items that have been sitting around for a while. A big frustration that we've all experienced is getting home and realizing that a perishable item we picked up at the grocery store expires tomorrow -- or even worse, yesterday!

Here's a money-saving tip that not everybody thinks of: If an advertised sale item has been sold out, you can often get a "rain check" issued to you, which will entitle you to the discount price -- even after the sale is officially over. You may have to get it from the customer service desk or a manager, but if you're determined to be a savvy grocery shopper, it's worth the extra few minutes.

One of the easiest, most automatic ways to save money at the food store is to join your supermarket's "loyalty program". It goes by different names at different places, but once you sign up, the discounts, coupons, and special offers keep coming your way! Taking a few minutes to glance over your grocery store's weekly newspaper insert can also point you in the direction of worthwhile savings opportunities.





Posted by Marie Presti on 6/14/2015

Would you like to save money every month? How about eliminating $1,000 a month from your budget?  Trimming $1,000 a month is no easy task. Here are some places to start reducing your monthly expenses. 1. Phone, Cable and Internet Start out trying to cut costs on utilities. Call your cable, phone and Internet providers. Review the services you have, look for services you don't need, and slim down the utility bill as much as possible. Don't forget to ask about any specials or promotions they may be running. You may also want to call the competition to see if they offer a better deal. 2. Child Care You can save money on child care if your employer offers a flexible spending account. A flexible spending account lets you set aside pre-taxed dollars to pay for health care, child care and commuting costs. 3. The Mortgage If mortgage rates are low you may want to consider refinancing. A lower interest rate can help reduce monthly mortgage payments. You may also consider future savings and change the terms of your mortgage. Look into 15-year mortgage options that could allow you to have your home paid off prior to retirement. 4. Groceries Take the time to comparison shop when buying groceries. Try the store brand instead of paying top dollar from brand name food. Coupon clipping can also save you money, every little bit helps. You may not have time to become a master coupon clipper, however, saving a few dollars each week will add up over time. If you can focus on recurring monthly expenses, and make cut backs as needed, you won't have to work as hard every month to save money.





Posted by Marie Presti on 11/30/2014

Who doesn't need more money? If you are looking to save for a house, put more money in the bank or tighten your budget, there are several money saving moves you can make. Here are just a few ways to put more money in your pocket: Save money without feeling the pinch by setting up an automatic transfer from your checking account to a high-yield savings account.  Some accounts to look at are INGDirect.com or Smarty Pig.com. Build a savings by transferring at least 5 percent of your paycheck and then gradually increase to 10 percent. Get the best yield on your checking account by using Bankrate.com to find the bank offering the highest yields and fewest fees. Switch your credit card to a card with more favorable terms like lower interest rates or better rewards. Use the tools on sites like: CardRatings.com, or Credit.com. Find money by checking to see if you're entitled to any of the $32.8 billion in unclaimed funds being held by state governments. Go to MissingMoney.org and Unclaimed.org to see if you are owed any money.