tag:blogger.com,1999:blog-165926872011-04-22T00:43:20.372-05:00savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.comBlogger1471100tag:blogger.com,1999:blog-16592687.post-1144882674896924912006-04-12T17:54:00.000-05:002006-04-12T17:57:54.896-05:00

Just a few ideas for what to do with your refund:1. Start a college fund for your child - I sure wish I had!2. Save it for a fun vacation.3. Pay of credit card debt.4. Save it for retirement.5. Remodel something or update your home somehow.Happy dreaming!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1140722395940531492006-02-23T14:14:00.000-05:002006-02-23T14:19:56.016-05:00

With rising interest rates, a great way to save right now is to check out the Discover link in the right hand column. This takes you directly to their 0% offer with up to 5% cashback bonus and 0% fraud liability promise. They even called me when we made a large purchase to verify usage and their customer service department is great. If you are carrying a balance of say $5000.00 at even just

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1140721981756597512006-02-23T14:09:00.000-05:002006-02-23T14:13:02.046-05:00

This is a great time to review things such as insurance policies while you are organizing tax information. You can save a lot of money by calling your insurance agent and raising your deductibles. You can also save on health insurance if you stop smoking and then notify your company. Here's to saving money!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1140561883794388192006-02-21T17:40:00.000-05:002006-02-21T17:44:58.316-05:00

If you end up getting a big refund this year - great! The only problem is that you have given the government your hard earned money all year! Really consider raising your exemptions so that you can get a little more back in each paycheck. Some people like to wait and get the refund and almost use it as a savings program, but you will save money if you raise your exemptions and apply the extra

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1139877561367217862006-02-13T19:35:00.000-05:002006-02-13T19:39:50.080-05:00

On Valentine's Day, remember that small tokens of your affections do count - you do not have to "break the bank"! A special card or even just remembering a special candy that your siginificant other loves can be enough. Have a great time!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1139489705445292872006-02-09T07:49:00.000-05:002006-02-09T07:55:19.706-05:00

Remember to pay the most money to the credit card with the highest interest charged, regardless of your balance. Once you pay off the cards from highest interest to lowest interest, you may be able to avoid running up balances on your cards because you will now have the extra money every month that you used to send to multiple credit cards. It's not easy, but the payoff will be well worth it!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1139350600509413972006-02-07T17:13:00.000-05:002006-02-07T17:16:42.810-05:00

The tax season is upon us - remember that you can save a lot of money by preparing your own taxes. It is easier than ever before to use a computer program for your taxes, and the IRS has a ton of important information to help you online. Here's to a big refund!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1138923261648675052006-02-02T18:26:00.000-05:002006-02-02T18:34:22.010-05:00

The best suggestion I have found on how to stretch your grocery dollar is to shop less often. I even try to go ten days between trips if possible. If you stock up on fruits and vegetables that keep longer(such as apples, oranges, and carrots), then you can definately make it at least a week between visits. Frozen fruits and vegetables can also help you extend your time between trips to the

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1138833430245611282006-02-01T17:36:00.000-05:002006-02-01T17:37:11.493-05:00

Over the holidays I saw some banks that you actually have to break to retreive the money you have collected - it is a cool idea for your extra change that can really add up with time. One year I surprised my husband with a weekend trip after collecting our extra change! It is a fun and easy way to save!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1138139664937763792006-01-24T16:49:00.000-05:002006-01-24T16:54:27.386-05:00

I hope 2006 is treating you well so far! The credit card bills start rolling in, spring seems to be far away, and everyone gets a bit of the winter blues; but hopefully a tax refund is just around the corner for you! Maybe you can pay off your highest debt (interest wise first), save for a future trip or home improvement, or save for your children's college. Happy dreaming!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1135624629434129672005-12-26T14:13:00.000-05:002005-12-26T14:17:09.603-05:00

Just when you think you are shopped out, you probably find that you have to return at least one thing to the mall - and you know you will probably not be able to resist some of the great deals out there! Remember birthdays that may be quickly approaching, or even shop ahead for next year if you are sure you will not have to return it (because the longest policies I have found generally are less

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1134061852309528732005-12-08T12:06:00.000-05:002005-12-08T12:10:52.920-05:00

I promised myself that this year would be different, that this year everything would be done by now, but I still have a long list of things to do! I am sure many of you feel the same way - that you love the holidays but pressure yourselves to make them each more memorable than the last and that puts undue stress on all! Take it easy and enjoy the process - I promise to take my own advice!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1133307836395255772005-11-29T18:39:00.000-05:002005-11-29T18:46:50.503-05:00

I truly believe that the holidays bring out both the best and the worst in people, or just accentuate true character! In one week I have noticed both charitable acts ( letting someone with fewer items go first through checkout) and nearly violent acts (over a parking space!!!). Remember that everyone is feeling extra stressed and hurried so everyone can stay safe this holiday season and maybe

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1133192803789127162005-11-28T10:44:00.000-05:002005-11-28T10:46:43.976-05:00

Sorry that posting has slowed - I really am shopping online and at the stores and hope to be fininshed soon - use the comment section if you would like to ask any questions! Happy shopping!!!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1132703746393534022005-11-22T18:53:00.000-05:002005-11-22T18:55:49.873-05:00

I just received a comment from someone concerning cafepress.com - check it out compared to zazzle. com and let me know what you think! Either way, you can find unique gifts for the holidays!!!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1132702286366555052005-11-22T18:29:00.000-05:002005-11-22T18:31:26.556-05:00

I am enjoying the comments - please keep them coming! This can be an interactive site for sure - ask me questions if you would like to! Thanks again and happy holidays!!!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1132587231464106592005-11-21T10:32:00.000-05:002005-11-25T17:05:09.343-05:00

There are a lot of great sale and clearance items now that will be gone after everyone starts really shopping seriously - take advantage now!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1132587130081623992005-11-21T10:28:00.000-05:002005-11-22T18:33:00.973-05:00

Remember to start thinking about redeeming reward points for gifts (you can double them too!) soon because it can take a week or two to get your gift cards and then take another week or two for shipping of the gifts! Happy shopping!P.S. Don't feel badly if you did not sign up yet - use my Discover Card links to get a card now and save the points for next year for birthdays, anniversaries, or

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1132580502008829062005-11-21T08:36:00.000-05:002005-11-21T08:42:28.486-05:00

Super suppers is this great new place where you can assemble your choice of meals, bring them home, freeze them, thaw them when you are ready and your dinner is served! They taste amazing and I am very pleased so far with the results of my trip. It saves you grocery time, and to be honest a lot of the items(vegetables, cheese and meat) that you use there you cannot even find normally on sale or

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1132402321885483312005-11-19T07:15:00.000-05:002005-11-25T17:06:09.580-05:00

The other day a woman had on a gorgeous shirt, I complemented her on it, and she said it was a men's Tommy Hilfiger shirt! It looked great on her, and I am mentioning this as a suggestion to look at things in a "different light" as they say, and you never know what you may see!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1132402605581412802005-11-19T07:12:00.000-05:002005-11-21T08:35:31.386-05:00

When I ordered a kids meal at the mall and then asked a grandmother if I could give her 3 year old granddaughter the "Chicken Little" toy from my meal I ended up having a wonderful conversation with a complete stranger. Just that little gesture on my part made both of our days a little more pleasant!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1132402105551572832005-11-19T07:04:00.000-05:002005-11-20T16:14:03.333-05:00

I just realized the other day that now is definately the time to start stocking up on boxes - just ask whenever you make a purchase. I even use shoe boxes for shirts or jewelry to disguise what I have wrapped! Also, save all of the tissue paper - I rarely even have to buy any for the holidays. It is a good idea to wrap as you purchase as well so you feel "on top of things". Happy wrapping!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1132401854432037932005-11-19T06:59:00.000-05:002005-11-19T16:07:39.740-05:00

Wilsonsleather.com just alerted me to their new sales beginning next week, including leather purses as low as 9.99, and leather coats 50% off or more. The cool thing is that they also carry suede - I found a gorgeous coat for my 12 year old that is suede and it was only $30.00!!! They also carry hard to find items like quality briefcases - my husband is looking at a Kenneth Cole briefcase for

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1132401465417757652005-11-19T06:53:00.000-05:002005-11-19T06:58:54.586-05:00

Discoverytoys.com just sent me an e-mail with an offer for you during the Thanksgiving weekend! November 25th through the 28th from my link you can use the code "49FREE" for free shipping of orders over $49.00, plus they just reduced a lot of toys to 75% off! Happy shopping!!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1132318329307898092005-11-18T07:48:00.000-05:002005-11-19T06:52:08.776-05:00

My Fico is a small link I placed in the right column for you - they are now offering (for only $7.95/month) a monitoring of your score and activity which is a wonderful idea if you are trying to better your score. More often than not scores are affected negatively by bad reporting, and this would definitely put an end to that so that you could improve your credit and save money! Check out the

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1132317565216273992005-11-18T07:34:00.000-05:002005-11-18T07:39:28.940-05:00

I had a lot of errands to run and was not happy about that fact, but decided to take a light-hearted approach to the day and it turned out to be much more positive than negative! It is amazing how people will change and be much more friendly when you just greet them with a smile. Have a wonderful day!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1132278839479345842005-11-17T20:42:00.000-05:002005-11-18T07:43:01.833-05:00

The Omaha Steaks company is everything that a company should be - they always deliver high quality at a good value and always guarantee replacement if you are not completely satisfied! This is a perfect time of year to try them for yourself +/or as a gift - they are offering "The Perfect Gift Collection" right now and also 3 Free Gifts will come with even that special! You get a tremendous amount

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1132231068017730962005-11-17T07:28:00.000-05:002005-11-17T07:37:48.253-05:00

This new site is so cool!!! You can customize many things including stamps, shirts, cards and posters; and they guarantee 100% satisfaction even though these are custom made-to-order items!!! These are some of the reasons you should check it out - especially with the holidays upon us - and you can close the link (in the left hand column) and be right back here. 1. You can make real personalized

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1132254715548172752005-11-16T14:09:00.000-05:002005-11-17T14:13:58.486-05:00

I called the Discover Card today and found out that they are offering 5% back on online purchases starting soon and running to the end of the year! Now is a great time to apply (see links in the column to the right), or call to sign your cards up on the plan - every little bit helps, and 5% cashback can double at many stores to 10%! Happy shopping!!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1132278096569765162005-11-12T20:37:00.000-05:002005-11-18T07:41:32.500-05:00

Blinds.com is a new link I added because they will send you free samples of the materials, they offer live help during your ordering process, and they offer coupons like $10.00 off right now with code 10200509 (check out the link in the left column for more information). They also have just recently updated their site - I hope they can help you decorate your home!!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1131617076718379142005-11-10T04:58:00.000-05:002005-11-10T05:04:57.903-05:00

Just a few cool ideas/thoughts for today:1. No regrets - remember that you did the best that you could with the knowledge that you had at the time - move forward, because the past really is the past and no one is sure of tomorrow!2. No rules - no, of course, you have to have many rules to have a loving, caring society - but everyone should pursue their own dreams and not anyone else's dreams.3.

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1131526173154687192005-11-09T03:45:00.000-05:002005-11-09T03:49:33.166-05:00

Just a quick note about the stevemadden.com link in the left column and the spafinder.com link in the right column - if you see a blank space on the page, you can still click on the link to go directly to their site. Thank you for visiting savvy spender and I hope you have a wonderful day!!!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1131180833227736072005-11-05T03:51:00.000-05:002005-11-05T03:53:53.236-05:00

Remember to buy the hot toys now before the holidays are upon us! Happy shopping to all!!!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129993081770343932005-11-03T12:23:00.000-05:002005-11-03T12:22:32.056-05:00

I found a great refrigerator for less than online at a small local business. Everything seemed great until they delivered the wrong fridge! To make a long story short, I asked for more money off given the inconvenience and the fact I ended up with a floor model and they were wonderful and did give me $50.00 more dollars off. It never hurts to ask - the worst is that they say "no" - and you have

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129992776232718502005-11-03T12:21:00.000-05:002005-11-03T12:21:36.686-05:00

Whenever I receive a product that is not the quality promised, I call the company so they can remedy the issue. They will often times replace the bad product for you as well!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129992682915509942005-11-03T12:20:00.000-05:002005-11-03T12:20:37.573-05:00

Most major chains have their grocery ads for you right online so you can save money by perusing the ad and building your list around it - even if you do not receive the newspaper advertisement!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129992591730089902005-11-03T12:18:00.000-05:002005-11-03T12:18:41.473-05:00

Beware of anything that is at eye level in the grocery store - and also watch the end caps. I noticed that in my stores the end cap merchandise, if not on sale already, is set for the next week's ad and will be on sale soon!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129992488383640192005-11-03T12:17:00.000-05:002005-11-03T12:17:21.136-05:00

I am weary of store brands unless it is something like a paper product that really doesn't matter. The store brands in my area seem to be of lesser quality lately, and I normally save more by buying the Buy1Get1Free items that are name brand, especially when I use a coupon!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129992343083061332005-11-03T10:01:00.000-05:002005-11-03T10:01:31.866-05:00

If you are lucky enough to have groceries delivered in your area, try it and see if you save money. I did even though the groceries were a bit more because I cut down tremendously on impulse buys we did not need - and you really feel pampered and relieved of stress having them delivered. Even a good friend of mine who had 7 in her family saved a lot of money!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129991693385646212005-11-03T05:27:00.000-05:002005-11-03T05:27:16.930-05:00

The government actually is making it easier than ever for individuals to do their own taxes. Unfortunately, the three times I paid someone to do our taxes they each made an error that would have reduced our refund! No one knows your financial situation better than you, and the sorts of errors they made were simple - they only had to ask me one question in each case - and they each almost cost me

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1131013376701949662005-11-03T05:23:00.000-05:002005-11-03T05:23:02.210-05:00

Remember when scheduling vacations to look online +/or ask for a discount when you call - sometimes there is flexibility in pricing and they will discount your trip even more than the advertised price. Last spring when we booked a trip and paid in full up front(not a great idea, but required because it was a sudden trip), my husband literally saw a $100.00 mall gift card offer if we would have

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129990232137907222005-11-03T05:08:00.000-05:002005-11-03T05:08:49.963-05:00

When my oldest child was able to begin babysitting for us we decided to begin paying her. I know it sounds crazy, but it was a great idea. We only gave her $3.00/hour, it made her feel special and in control (she had to keep peace at all times to be paid), and it really did help her transition into the teen years. We went out once a week, so she received babysitting money and very little

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129990357090306632005-11-03T05:07:00.000-05:002005-11-03T05:11:03.086-05:00

My kids love it when I give them a budget for shopping. My teenage daughter decided to return two expensive pairs of jeans when she realized how much of her budget they had taken and how much more she could buy if she bought jeans on sale!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129989756621041432005-11-02T20:36:00.000-05:002005-11-02T20:39:12.606-05:00

A wonderful way to save money today on insurance, especially with rates possibly increasing due to the natural disasters that have occurred, is to raise your deductibles on your cars or home. It can literally save you thousands of dollars over the next few years. The only catch is that if you do have a claim, you have to come up with more money, but just calculate your savings and put the extra

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129989533003177372005-11-02T11:00:00.000-05:002005-11-02T11:01:04.846-05:00

This is a silly example of savings, but I wanted to share it anyway since it seems there is another baby boom or something - so many people are starting families now! I calculated that I literally saved thousands of dollars by putting the generic diapers on my babies. If only I had invested that in a college fund when they were tiny!!! There are even some name brands that cost much less than the

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129928324620788382005-11-02T10:54:00.000-05:002005-11-02T20:37:49.336-05:00

Never pay your mortgage company the huge fee that they charge you for the bi-weekly mortgage!!! I cannot stress the fact that this is a huge waste of money on many levels. The first and foremost level is the fact that you can apply extra to principal on your mortgage every month for free - just make sure that the bank has a line on your bill that says "extra principal payment". You can even go so

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1130872025426431822005-11-01T13:55:00.000-05:002005-11-01T16:07:26.383-05:00

Just a couple of discounts for the following stores:1. Shoes.com - always free shipping and free returns!2. Lids.com - use code "novlids15" for 15% off of a $50.00 purchase, or use code "novlids10" for $10.00 off of a $60.00 purchase - they have hats and sunglasses!3. Mikasa.com - use code "HOLIDAY05" for 15% off of 50 or use code "NEWSITE05" for 25% off of a $100.00 purchase.Many of the other

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1130862314023446422005-11-01T11:18:00.000-05:002005-11-01T11:27:02.996-05:00

The newest link on my site from itunes.com allows you to download tv shows! You can also download music videos! So cool!!!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129991079343799412005-11-01T06:30:00.000-05:002005-11-01T06:19:41.576-05:00

If you find a damaged item at a store they will normally discount it for you - just ask for a manager. The worst they will say is "no ", and then you can decide if you still would like to purchase the item!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129928030512928842005-11-01T06:17:00.000-05:002005-11-01T06:14:09.820-05:00

Never be afraid to get or use a HELOC (home equity line of credit) - as long as you are smart about it. The interest is normally tax deductible, so the current line of credit rate at 6.5% is really only like 4+% after your tax deduction. As long as you do not borrow more than your home is worth - or as long as you know you can make the payments even if interest rates jump - I think HELOC's are

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1130747664339407082005-10-31T08:30:00.000-05:002005-10-31T03:46:41.886-05:00

Think ahead to the holidays this week and make a plan so that you are better organized - I promise you will enjoy your holidays even more this year if you shop early. I always feel a little bit more control over my spending, and it is a great time to stock up on frozen items that are on sale or to buy anything you find deeply discounted at department stores. Happy shopping!P. S. Remember to think

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1130753055403571192005-10-31T08:25:00.000-05:002005-10-31T05:04:16.253-05:00

There are some new websites I thought we could try - let me know what you think of them:1. Zazzle.com - seems really cool, you can create unique and personalized pictures and other items.2. Delightfuldeliveries.com - seems to have wonderful treats and beautiful products.3. Stuffkidslike.com - just in time for the holidays, they carry some unique toys.4. Pongoresume.com - change your life in

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129989245405463792005-10-31T08:00:00.000-05:002005-10-31T03:22:15.733-05:00

Our friend who is a chemist gave us a helpful hint that has saved us a small fortune over the years. He said to never buy the name brand over-the-counter medicine as long as the generic has the same active ingredient - just check the back of the box. Ask your local pharmacist if you are concerned or have more questions. Live well for less!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129989022974136922005-10-31T07:25:00.000-05:002005-10-31T03:20:38.506-05:00

An experiment that I tried years ago was warehouse shopping vs. traditional grocery shopping. It was very interesting, because when I truly compared the savings I realized that I was paying much more for the larger sized items at the warehouse and was actually saving money by purchasing smaller items on sale at my favorite grocery store. The larger items are not always a savings, although in

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129991405361153162005-10-30T18:27:00.000-05:002005-10-30T18:26:37.823-05:00

A great reason for charging purchases is that they will "go to bat", as they say, for you if you ever have a dispute or major issue with a purchase. It is nice to have a major company behind you in that case!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1130680861546140842005-10-30T08:51:00.000-05:002005-10-30T09:01:01.613-05:00

I would love to answer any questions that you have about any of the topics I have talked about or questions about any other topics you would like me to pursue and research! I just want to help people live well for less and enjoy life more! (If you leave a question or comment, there is a name that is made up in the name section, use that to be anonymous, make up your own, or just delete it!) I

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129991820146219912005-10-30T07:35:00.000-05:002005-10-30T07:27:25.346-05:00

Remember not to be intimidated by car salesmen (male or female) - after I literally walked out of the dealership, all of a sudden they had the car I had wanted for less sitting right at the dealership! Live well for less!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129993617571989882005-10-30T07:32:00.000-05:002005-10-30T07:28:19.923-05:00

Quick tips for household savings:1. Change your furnace filter every two months -it will save you a ton of money!2. Reduce the amount of soap in your laundry load and wash more with cold water - you will reduce your heating bill for water and also extend the life of your clothes.3. Keep your refrigerator full - it saves energy!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129989915721670272005-10-29T16:51:00.000-05:002005-10-29T16:51:29.670-05:00

Just remember that lifestyle changes, even when they are for the better, take time and patience - that is why they say patience is a virtue! Every change is stressful, and human nature makes us resist even positive changes in our lives. And remember that the problems that you face may be there as a test to make you stronger!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1130590765909446342005-10-29T07:55:00.000-05:002005-10-29T17:02:33.536-05:00

I just received a great link to bluenile.com for $150.00 off of diamonds and free fed-ex shipping - a lot of people get engaged this time of year or buy diamonds for loved ones (+/or buy for themselves!). Happy shopping!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129932299918486072005-10-29T07:45:00.000-05:002005-10-29T16:52:21.400-05:00

Container store.com and tupperware.com have been added to my site to help you stay organized! For home improvement, I also added blinds.com and remember sites like Sears(the home link also takes you to sears.com in the top right corner) and Target for example for more organization. As always, you can check out the links, close them and be right back here. Happy shopping!!!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129897888195866102005-10-29T07:25:00.000-05:002005-10-29T07:50:37.553-05:00

I love to peruse the mall for fun when I do not really need anything in particular - it is a lot of fun to look for deeply discounted or clearance items in your favorite stores. I just found the coolest shirt on clearance for $2.00 (it was originally $30.00), but it has short sleeves so it was being cleared for winter merchandise to be stocked. (It is really easy to throw another shirt or jacket

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129930858614761492005-10-28T19:48:00.000-05:002005-10-28T07:49:27.083-05:00

Life insurance is unfortunately a must (less money for shopping!)when you are covering yourself financially. You should also carry supplemental disability insurance because the amount one is supposed to receive monthly from the government is only a percentage of what one was making before they became disabled. Some argue that even homemakers (women or men) should be covered by insurance because

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129931218585851972005-10-28T07:41:00.000-05:002005-10-28T07:51:07.283-05:00

Umbrella policies are one of the most important insurance products to carry. Maybe you have seen the commercial that shows a family losing their home after being sued after an accident - that is because they did not have an umbrella policy to cover them further. Most umbrella policies cover you for an additional 1 million dollars in case you are sued, like in this case - it sounds like a lot of

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1130452356158159322005-10-27T17:29:00.000-05:002005-10-27T17:34:33.080-05:00

Right now eddiebauer.com is offering 15%off of your total purchase when you use my link (please see column to the right) and also free shipping! They say to enter 15DOWN in the coupon code area to get your discount. Customer service also told me that you can take 15% off of the clearance that is marked up to 60% off! Great shopping!!!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1130440947838317322005-10-27T14:14:00.000-05:002005-10-28T15:00:47.326-05:00

These are just a few ideas I had that could be fun +/or save you money:1. Check out the e-loan link and start changing your future net worth by consolidating or transferring to a lower interest rate loan.2. Check out your FICO score at fico.com and start working on raising your number a bit higher every month - you will feel better and save money on loans and credit card interest!3. Check out

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1130413903685137912005-10-27T07:30:00.000-05:002005-10-27T07:30:15.953-05:00

I just heard a horror story from someone yesterday about signing credit cards! She said that a friend of hers did not sign any of her cards, and when someone stole her purse and forged her name in their writing on the cards they were able to spend $10,000.00 while on a shopping spree. Then the companies did not support her even though the cards had been stolen because she had not signed them, and

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1130416116562614502005-10-27T07:24:00.000-05:002005-10-27T07:28:36.680-05:00

I did some research, and it seems that the best way to protect yourself in case of theft with your credit cards is to actually just sign your name! It is difficult for someone to forge your signature. For added protection my credit card company said that you could write "ask to see ID" and then sign your card. My credit card company said that in any case, even a card that is not signed at all,

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129731296642614092005-10-27T06:43:00.000-05:002005-10-27T06:43:59.220-05:00

This is something it has taken me literally years to learn because I like to wait until closer to the holidays to buy toys - kids change their lists, advertisers wait until December to hit you with the latest and greatest, etc. But this year I purchased something that I knew would be hard to get later(the i-dog - so cool - it's at sharperimage.com). Every year I am scrambling at the end to find

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1130412944120374002005-10-27T06:31:00.000-05:002005-10-27T06:35:44.120-05:00

Both kbtoys.com and etoys.com have just emailed me to tell me that they have terrific sales and clearance and also free shipping on many items - very convenient for buying the hot toys now before they are gone and you are scrambling during the holidays (as we all have too many times to count!). Live well for less!!!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1130330547270975702005-10-26T07:40:00.000-05:002005-10-26T07:42:27.330-05:00

I just installed a link in the right column that will give you free coupons from coupon.com. I hope you find the coupons to be of great help in your pursuit of living well for less!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1130280045624105672005-10-25T17:32:00.000-05:002005-10-25T17:43:49.730-05:00

The reason I love Discover is for the cashback bonus. For example, say you charge all of your dining out purchases,groceries, clothing purchases, and gas purchases on your Discover card. You get at least 1% back for each of those things, sometimes more during special promotions. Say that you only charge $800.00 a month for all of those things listed above every month. After one year you can have

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1130279515922734372005-10-25T17:21:00.000-05:002005-10-25T17:31:55.923-05:00

I just met someone who said one of her credit cards is charging her 24% interest!!! I explained to her that she really needed to either pay that off before paying off anything else, or she has to transfer the balance to a lower interest card. If she took advantage of a 0% card like you can get through the Discover link, she could save over $2000.00 if she owes over $10,000! (You sometimes pay

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1130264689497356042005-10-25T13:15:00.000-05:002005-10-25T17:21:35.866-05:00

I started this website one month ago so that I could help people get out of debt, stop living paycheck to paycheck and live well for less! I am living proof that you can do it and even have fun! My husband and I literally started out with over $30,000.00 of debt - and made very little money. If you use even only some of my ideas about shopping on the internet, shopping at superstores, and

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1130264090594878082005-10-25T13:07:00.000-05:002005-10-25T13:14:50.663-05:00

The easiest way to get out of credit card debt is to try to put as much debt as possible on either 0% credit cards or very low rate credit cards, and then send any of your extra money that you have to the highest rate cards. Make a chart of your credit cards and keep a history of promotions and special rates so that you know when you need to transfer balances. For example:1. Card A with

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129928622692976022005-10-25T13:05:00.000-05:002005-10-25T13:06:38.293-05:00

Please be careful about how you get out of debt - I have heard a ton of really bad advice lately. The worst is to pay off the smallest amounts owed first regardless of interest rates. This is terrible advice!!! The fastest and smartest way to pay the least while getting out of debt is to pay off the highest interest rate loans first, regardless of the payment amount due. This will save you a ton

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1130185696334050812005-10-24T15:27:00.000-05:002005-10-25T08:05:38.763-05:00

Eddiebauer.com just sent me a message saying that if you shop through my link they are offering 15% off of all down products and free shipping! Pretty cool with winter approaching! (I put their new link in the right column if you would like to take a look, then of course you can just close the link and be right back here.)

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129914135813746202005-10-24T06:50:00.000-05:002005-10-24T14:18:05.333-05:00

I added a FICO score link in the right column for you if you would like to either check or monitor your scores. If you are working to increase your FICO score - which is a wonderful idea for everyone because it will save you literally thousands of dollars just by bettering their scores with the major reporting companies.

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129990661030817512005-10-24T02:12:00.000-05:002005-10-24T14:15:24.010-05:00

Never let car salesmen intimidate you - they certainly will try to! The last salesman I dealt with acted sweetly for days and then stomped out of the room when I pulled a quote from another company and yelled something like it was my fault car prices are so high! What? I know- and he seemed intelligent up until that point! He and the finance manager also played the game that they could not get

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129726913214825192005-10-23T14:28:00.000-05:002005-10-23T14:37:23.446-05:00

With the holidays upon us I always take a moment to reflect where we fall under the categories of debt vs. net worth (your positives - your negatives!). I still indulge for the holidays - I basically just assess where we are now and then after the holidays(no one can really help but spend more now than during the rest of the year without turning into Scrooge!) I make sure we are back on track

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129726105708842702005-10-23T14:21:00.000-05:002005-10-23T14:21:26.250-05:00

I used to dread buying clothing online because I was always concerned with the hassle of returning an item, but returning online merchandise is easy! You can obviously just send it right back for an exchange or refund, but many people do not know that most online companies that have stores in your area will allow you to return your online puchase to the store. This is a great idea for anything if

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129993350987631152005-10-22T09:58:00.000-05:002005-10-22T10:02:30.986-05:00

Some ways to touch up damages on furniture to extend their life and some other ideas are:1. Use a magic marker of similar color - I used brown to fix the frame on a mirror and it looks great!2. Buy a cool picture on sale and change the frame if you hate it!3. Fill your own pillows with foam +/or feathers - the pillow inserts were going to cost more than the pillow covers that I bought so I

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129992171200384002005-10-22T09:37:00.000-05:002005-10-22T09:42:51.200-05:00

Another way to save on groceries is to shop less often - extended your trips by stocking up on frozen veggies, fruit like apples that keep a long time, and veggies like carrots and celery(great with peanut butter or cream cheese!). My kids also like inexpensive meals like spaghetti, chili and hamburgers - it really helps to cut down on our food bill! It is also fun to make pizza or brownies

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129990870669124092005-10-22T09:18:00.000-05:002005-10-22T09:21:10.673-05:00

Try to remember to always negotiate for the car you want before even bringing in your trade. And with the link Edmund's.com in the right column you can get an idea of what you will get on your trade. The internet is a great resource to get quotes for the cars you are interested in while you are in the privacy of your own home! Happy car shopping!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129897528893950972005-10-22T07:18:00.000-05:002005-10-22T07:11:19.720-05:00

When you are running errands, look for clearance. A week or so ago at a super store I literally bought 61 items for back-to-school time next year - including notebooks, index dividers, folders, paper, zip binders, book covers, portfolios, and even a backpack all for under $25.00!!! I was thrilled to get 61 items for like $24.50 - that is less than $.40/item! So fun!!!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129983033495624312005-10-22T07:14:00.000-05:002005-10-22T07:13:11.960-05:00

Hickoryfarms.com wanted me to tell you that they are having a Harvest Sale with 25% off of a lot of items and if you want to check it out, just click on the link in the right column!!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129931979483694282005-10-21T16:47:00.000-05:002005-10-22T07:13:48.576-05:00

With all of the tragedies and losses I definitely have everyone's best interest at heart when mentioning all of this about insurance! I have never even worked in the industry, but I know how important it is to a solid financial plan. Replacement cost is key so you do not lose money when you are paid for your items by the insurance company. A good friend of mine was involved in a flood and the

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129927480769559682005-10-21T15:41:00.000-05:002005-10-21T16:09:01.303-05:00

I put a link to e-loan on the site so you can really change your life today by refinancing a large payment into a smaller payment - but remember that more than payment, interest rate is the key. I just used a 0% card to pay off another 1% card whose rate was going to jump up to 10% next month. I just saved myself over $700.00 that I would have paid over the next 8 months! Transfer a balance

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129898592061421672005-10-21T07:34:00.000-05:002005-10-21T07:43:12.063-05:00

Finding cool clearance items where you least expect them is so fun!! For example, I of course found great clothes on clearance just the other day on Macy's.com, but I never expected to find beautiful gold and black lacquered bowls and a plate under home clearance and called the "Zen Garden" collection! For all 3 items I literally paid $25.00 when they were originally $115.00! That is literally

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129661310087959662005-10-21T07:15:00.000-05:002005-10-21T07:17:57.933-05:00

Whenever I get an enticing phone offer, I switch companies! I have received up to $125.00 offers just to change my local home phone to a different company. The last offer was for $75.00 and it paid for almost 3 months of my service for free! It is like free money - wait - it is free money for about ten minutes of your time! So cool!!!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129661146889144222005-10-20T13:37:00.000-05:002005-10-20T15:38:45.216-05:00

Checking your receipts for errors is very important, especially when you shop at either a big discount or department store, because they carry so many items it is difficult for them to stay on top of all of the sale items! Also make sure that they key in the proper coupons - there is one store by me that almost always forgets to take my coupons off of the purchase. I also opened a credit card

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129811891929063162005-10-20T07:28:00.000-05:002005-10-20T07:43:28.733-05:00

Madonna ! This is not a normal type of post for me but some (I'm sure most) people are scratching their heads over the latest Madonna publicity stunt. This is a perfect example of someone abusing the power they have in the media. I think she is very talented and has greatly contributed to pop music, even if you don't care for her style of music, but my issue is that she has what most would

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129725141508869822005-10-19T07:18:00.000-05:002005-10-19T07:32:21.513-05:00

Buy things that you will need in the future that are on sale right now. It seems an like an uphill battle if you are living paycheck to paycheck, but in time you we see that your debt is decreasing and your net worth is increasing. Stocking up on items you will need for the holidays at the grocery store or department store will save you huge amounts in the near future. Here are some things I

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129725669761398372005-10-19T07:08:00.000-05:002005-10-19T07:41:09.763-05:00

You can normally save even more money on internet sites by giving them permission to email you in the future. It is great because you are updated on the status of your package arrival time, but it can become a burden if your email inbox is constantly overflowing - it is added stress we don't need! Many times I have been offered an additional 10% off online purchases by allowing them this

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129729961752237922005-10-19T06:10:00.000-05:002005-10-19T08:54:38.493-05:00

I just wanted to mention that the Live with Regis and Kelly Show had the perfectmatch.com segment on today, October19 - through my link you get a two month free trial period and can get much more information from Regis and Kelly or perfectmatch. Live well for less starting today!!!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129662321941937832005-10-18T18:55:00.000-05:002005-10-19T08:03:11.146-05:00

I love to by our sporting goods online because I find it is difficult to find excellent prices on sports equipment anywhere else but online. I even found a beautiful poker table I put in my home that doubles as a dining table and is solid wood - it was very inexpensive, and I used a promotion and was not charged tax! Some other reasons I love fogdog.com:A. Outlet shopping - up to 70% off!B. No

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129661726155794242005-10-18T13:48:00.000-05:002005-10-20T15:39:41.796-05:00

Warranties are such a waste of time and money. You know when a sales associate is spending more time trying to sell the warranty than the product you just purchased something is seriously wrong! When we were first married, my husband was even sold a warranty of sorts on our car loan from someone I worked with at a bank who then won a huge TV soon after from the bank for pushing extra products.

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129631579839297252005-10-18T09:26:00.000-05:002005-10-18T09:56:35.530-05:00

My dream for this site is to truly help people. I am a stay-at-home mom with one income, one husband, and three children still living at home (with one on her way to college soon). The reason I combined my writing with corporate links is because I truly believe in all of these websites and they have helped me tremendously over the years to save money, research the best prices, and live well for

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129630962859640082005-10-18T06:55:00.000-05:002005-10-19T14:04:48.276-05:00

Make a positive change today - some ideas to try:1. Increase your 401K or whatever savings tool you have in place by just 1% - I promise you will be happy you did, and you can always cancel the change later or even borrow from the savings in the future if you truly need it.2. Try to organize something - go through your closet and donate items to your local charity(after all these recent

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0tag:blogger.com,1999:blog-16592687.post-1129628443945322192005-10-18T06:35:00.000-05:002005-10-18T09:55:46.923-05:00

I just wanted to mention this new site that I put on savvyspender because they have some tremendous sale items and I did not know that they even have accessories. They do feature really cool things from top designers - for example you can buy an Eames chair from them - and those things of course tend to be pricey but of the most excellent quality. Live well for less!!

savvy saverhttp://www.blogger.com/profile/12180444100587970720noreply@blogger.com0