Around the Sun: Blog About Saving Money

Thanks to PDXSwap, women in Portland can fill their closets without spending a dime.

It all began about 2 years ago, when a woman named Kim started PDX Petite, a monthly clothing exchange for women sizes 0 to 5.

Last year, the Willamette Week wrote a story about it: here

Now there are clothing swaps for small, medium, large, x-large and plus sizes.

The PDXSwap website has all the information you need to get a good picture of what these swaps are about. In general, each person (sometimes 20+ people) brings wearable clothes that they don’t like anymore. The clothes get tossed into a big pile, and then everyone just starts picking out, trying on and packing up things they want to take home.

Lynn, organizer of the medium swap, gives a good summary in her monthly emails:

Since clothing swaps go by size instead of by age, it’s fun to be able to see such a variety of wearable clean clothes - and know that you can take as much or as little as you want for free! Some people bring bags and bags of stuff because they are cleaning out
their closets and need to get rid of stuff they don’t love. Some bring one or two items because they did their major cleaning at a previous swap. Our goal is to keep usable clothes out of landfills, and to have the pleasure of being in the presence of like-minded
stylish thrifty women who care about our planet.  So feel free to bring what you don’t need anymore, and take what you love home - no matter how little or how much. The fun is in the hunt

Only people on the mailing list can participate, so join the mailing list for your size here:

http://www.pdxswap.com/contact/index.htm

I’ve been to a few swaps in the past. The reality for me is that sometimes I find something I love (in fact, I’m wearing a swap item right now), and sometimes I leave empty handed. It just depends on what people bring that day. I have 3 pieces of advice for a fun swap:

• Go in happy that you are getting rid of clothes that are just clutter.
• Hope to find something to take home, but don’t expect it.
• Bring a friend. It means you have twice as many eyes and twice as many hands to spot and grab the good stuff!

Happy hunting!

(Photo is from PDXSwap website)

In my last post, I talked about coupons. Now, what to do with all those coupons?

Alright, here’s my confession: I’ve been a big slacker lately when it comes to saving money on groceries.

I hope that this blog will help inspire me to do better. Again, it’s a time and desire issue. I just haven’t had the desire to spend time looking through weekly sale ads and matching coupons.

So…I’ve decided to extend my subscription to The Grocery Game. I did the $1 trial. Now the subscription price for 3 months goes up to $10 for 1 store, and $5 for additional stores. I’ve signed up for Albertsons. (Update: After 3 months, I decided to stop using The Grocery Game.)

Before I get to my routine, there are 2 things to keep in mind when looking for deals:

• Try new brands. Especially when the item is free. You may find that you like another brand just as much as your old favorite.
• Think ahead, stock up. Don’t pass up a free or very cheap item just because you have enough for now. Especially if it’s non-perishable, grab it while the grabbing’s good.

With that, here’s a rundown of my weekly deal-hunting routine:

Looking for Deals

At a minimum, I aim to do the following each week:

Go to Pinching Your Pennies Screaming Deals Around Town Forum. Store sales change each week, starting on Sunday; sometimes people know about the sales and post earlier than Sunday. I usually check toward the end of each week to see if there’s information for the following week or I check on Sunday.

Look for the Rite Aid and Walgreens threads for that week. 

Check for free after rebate (FAR) or cheap items I’d like to pursue. I like Rite Aid’s rebate program better than Walgreens’ because it’s all online. But I do both, depending on the free items offered.

See whether anyone has been kind enough to post coupons for the FAR or cheap items that I want. If so, you may see a notation like “SS-10/1″ or “V-10/1.” SS stands for SmartSource and V stands for Valassis. The date is publication date. If I find a deal I want to pursue, and the coupon notation says SS-10/1, I go to the October folder in my filing cabinet and find the SmartSource insert that I dated 10/1.

If there are no coupons listed, check Coupon Mom’s Virtual Coupon Organizer for Oregon to see if there are SS or V coupons for the products I want. I may go one step further and see if coupon websites or manufacturers’ websites have printable coupons.

Similar to Pinching Pennies are Bargainshare’s Grocery Coupons and Deals Forum or the Rite Aid and Walgreens boards on deals.families.com. If I have time, I may check out 2 of the sites to see if there are any differences; usually the information on sales is the same, but the information on combining specific sales to specific coupons or rebates may differ. If you’re not familiar with these sites, you may want to check all 3 over a couple of weeks, and see which you like the best.

Both Rite Aid and Walgreens are a 10-minute drive from my office, so I typically go during a lunch break sometime during the week. Sometimes I’ll go on Sunday if I have time and if the item is something really good, which may mean it could sell out quickly.

On Sunday, I also check The Grocery Game. If I find any deals I want, I track down the coupons in my files. I also get the Safeway and Thriftway doubles coupons from the Oregonian FOODday insert (delivered on Tuesdays/Wednesdays). These coupons add 50 cents to any manufacturer’s coupon. Albertsons allows you to use 8 (4 from Safeway, 4 from Thriftway) per shopping trip. Albertsons accepts all coupons from any grocery store in the Portland area. If I need extra FOODday newspapers, I grab a couple for free from the FOODday box at a nearby apartment complex. Does anyone have a list of the apartment complexes that have FOODday boxes?

I shop Albertsons only for good deals. When things are not on sale, the prices are very high. When I need something immediately, I typically go to Trader Joe’s, Fred Meyer or the local farmer’s market.

As promised in my previous posts about using coupons and rebates for grocery-type shopping, here’s my routine.

Before I get to it, let me say that I don’t consider my routine to be the “best” routine or the secret sauce that will save you the most money.

The fact is, I don’t save the most money—there are many people who spend much, much less than I do. I do what makes sense for my life…and that changes constantly depending on my financial situation, my needs, my time, and my desire to devote energy to this part of my life vs. others. I am always aspiring to save more time and save more money. Is that possible? If you have the answer, let me know!

I’m going to start with coupon management. Part 2 will be about finding deals.

Managing Coupons

Each Sunday, I get the Oregonian newspaper delivered to my home. I find the glossy coupon inserts from SmartSource and Valassis. Sometimes P&G will also have a coupon insert, I grab that too. I quickly skim each insert for coupons that I want to use that week (usually, I’ve already thought about buying something and, lo and behold, there is a coupon for it) and I clip those out. The rest of the insert I leave intact. I write the date on the front of each insert.

I have a filing cabinet with 12 folders, one for each month. I store the inserts in the appropriate month’s folder. In other words, I keep a year’s worth of inserts in my filing cabinet. The current month is at the front of the drawer. On the first Sunday of a new month, I go to the back of the drawer to find that month’s folder, recycle last year’s inserts, file the new inserts, and move the folder to the front of the drawer.

If you want to start a system like this and you have the resources, my advice is to acquire and label all 12 folders at once—instead of having to think about, find and label a new folder each month. Once you have all 12 folders, you shouldn’t need to get any more. You’ll just cycle through the same folders each year. Instead of a filing cabinet, you can store your folders in one of those handy plastic bins that are so in vogue right now, a cardboard box, or whatever your imagination might conjure. The goal is to be able to find a specific insert for a specific date. And you can always upgrade your system later. ;) 

No matter what my schedule or other commitments, I make it a priority to collect, date, and store these inserts. This may mean saving old papers until I can find time to go through them. If I don’t collect the inserts, I regret it—my luck is that I’ll end up needing that one week’s inserts that I didn’t collect.

The downside of this system is that I don’t have the coupons with me at all times. If I were to find a great deal while shopping at a store, I couldn’t just find and use a coupon on the spot like I could if I used a different system (such as clipping all coupons and organizing them in a binder/coupon organizer by brand name or type of product). The upside is that I don’t need to clip all coupons, organize them and carry them around with me. I prefer to travel light, even if it costs me.

Typically, I don’t buy extra newspapers to get more inserts. I usually have just one set of inserts per week, and try to find more coupons online as needed. I’m torn at the moment about whether I should be more active about getting extra inserts.

Next time, I’ll talk about my routine for finding deals…and show you why I store coupons by date.

Mark your calendars!

The Japanese Garden of Portland is hosting a Free Admission Day on Friday, November 10, 2006.

Hours of operation: 10 am-4 pm

Free tours at 10:45 am, 1:00 pm and 2:30 pm.

The Japanese Garden
611 SW Kingston Drive
Portland, Oregon 97201
503-223-1321
www.japanesegarden.com

(Photo is from The Japanese Garden website)

Here’s a story for those of you who dream of finding an uber-valuable item while thrifting.

Heck, I claim victory if I can find a good-condition Ann Taylor blouse for less than $5.

Goodwill Industries of the Columbia Willamette recently auctioned a painting by Frank Weston Benson for $165,002. The company had thought the painting was cheap yard-sale art and listed the starting bid at $10. Later in the auction, it was confirmed that the painting was an authentic Benson and the bids shot through the roof.

Imagine if the painting had been put up for sale at a regular Goodwill store, instead of online, for $10 and some Benson fan found it. Score!

Get the full story from today’s Oregonian: here

Goodwill auctions can be found here: http://www.shopgoodwill.com/

Learn more about Frank Weston Benson here: http://www.frankwbenson.com/

In my last post, I talked about redeeming rebates and matching coupons effectively.

Now I want to share some resources that provide more information and can help you locate deals more easily. Time is money, right?

The beauty of the Internet is the free exchange of information from many voices. And there are a lot of voices. Check out these message boards for grocery deal discussion and money-saving advice (and share some of your own ):

• Pinching Your Pennies
• bargainshare
• families.com

There are also many “experts” out there, people who make money teaching others how to save money on groceries and more. 3 expert sites that I know of are:

• The Coupon Mom: You may recognize her from her appearances on Good Morning America. Lots of resources on this site. What I love most is the Virtual Coupon Organizer, which I’ll talk about later. Too bad she doesn’t post deals for Oregon though … hopefully soon!
• The Grocery Game: I have tried the Grocery Game’s trial subscription for $1, and am contemplating whether to continue at the full price. During the trial, GG helped me find Quaker Instant Oatmeal for 50 cents a box, free Eggo waffles, All Small & Mighty Free and Clear Detergent for $2 per bottle, and a few other things. Not bad. It does save time, but is it worth the cost for me? Jury’s still out. Site also has advice, coupons, a message board.
• Refund Cents: I suggest signing up for the free “RC Hot Deals” email newsletter, which focuses mainly on Amazon.com deals and drug store deals (Rite-Aid, CVS, Walgreens, etc.).

Later, I’ll share my routine.

This article focuses on ways to cut spending at grocery/drug stores by taking advantage of free item offers, coupons and rebates.

Bottom line: Take advantage of the deals that manufacturers and stores offer whenever possible and stock up when you can get items for free or very cheap. You’ll never forget how great it feels the first time you walk out of a store with a bag of items and a receipt that reads $0. It’s a shopper’s high that never ends in buyer’s remorse.

Look for Free Item Coupons

It pays to look through the coupon inserts in your Sunday paper.

• Look for “free item coupons” which allow you to get a product completely free. But beware the fine print: Some coupons specify a maximum value. If your store sells the product for more than the maximum value, you will need to pay the difference or find another store with a lower price.

• Keep your eyes open for “buy one, get one free” coupons or “buy a product, get a different product free” coupons. Although you will need to spend money on the first item to get the other for free, it may be worth it if the first item is a product you were already planning to purchase.

Think Small to Save Big

With the popularity of warehouse stores like Costco, shoppers are being taught that bigger means cheaper. However, you can get items for free at your local grocery store when you match coupons to the lowest-priced item, which may be the smallest.

• When using coupons, buying items in smaller quantities can be a better deal than a larger item with a lower unit price. For example, say your store sells one-pound packages of pasta for $1. It also sells two-pound packages for $1.75. Without coupons, the two-pound package is cheaper per pound. However, you have a $1 off coupon, which can be used on either size. Now the one-pound package is cheaper than the two-pound package; it’s free. And if you have multiple coupons, simply grab as many one-pound bags of pasta as you have coupons. Grand total = $0.

• Likewise, if you have a coupon for money off an item that can be bought at the meat counter, deli or produce section, consider buying the item in the amount that equals the value of the coupon. For example, say your store’s seafood counter has cocktail shrimp on sale for $4 a pound, and you want two pounds. You have four coupons for $2 off shrimp. Asking the counter for two pounds of shrimp will get you one package of shrimp costing $8, which you can use only one coupon on. Instead, ask for four packages of one-half pound each. Each package will cost $2, and you can use a coupon for each. In the first scenario, your total cost will be $6. In the second, it will be $0.

• Use coupons with the wording “on any size” on trial or snack sizes. For example, say you have a coupon for $1 off Colgate toothpaste, any size. Your local drugstore sells trial size tubes for 99 cents. Use the coupon and get the toothpaste for free. Some stores’ checkout systems may not honor a coupon of which the value is higher than the price of the item. When you step up to the register, it may help to tell your cashier that you have a coupon for more than the price and ask how the store handles that situation. If the register rejects the coupon or the cashier tells you that they can’t give you cash back (the extra penny), ask politely whether they can deduct the price of the item manually, bringing the cost to $0.

Redeem Rebates

Rebates reimburse you for the cost of an item or set of items, in part or in full, after purchase. Rebates can be the easiest way to get higher-priced items for free, but you need to be able to pay for the item upfront and wait a few weeks to be reimbursed.

• Look for stores that offer “free after rebate” or FAR promotions. Some drugstores, such as Rite Aid and Walgreens, have monthly rebate programs that offer several FAR items per month. Since the programs typically reimburse you the retail price of the item, use a coupon when you buy the item to make a little money. For example, say Skintimate shaving gel is an FAR item priced at $2.99. You use a $1 off coupon, bringing your total to $1.99. The store will reimburse the retail price of $2.99, and you will have just made $1.

• Keep an eye out for “try me free” rebate forms in the newspaper, on store shelves and on products. Like store rebates, these manufacturer rebates will reimburse you the price of the item before coupons. So always try to use a coupon when you buy the item. This will offset the postage you pay to mail in the rebate form.

• Cash in on rebates that offer a specific dollar amount when you buy X number of products by purchasing the products on sale and with coupons to lower your out-of-pocket expense as much as possible. Recently, Colgate-Palmolive offered a $10 refund when you bought two Colgate Total Toothpastes and any two other products listed on the rebate form. The form specified that trial sizes were excluded. Target had full-size Colgate Total Toothpaste on sale for $1.74. Two other items on the list, Ajax detergent and Palmolive detergent, cost $1.87 and $1.29, respectively. Total for the four products was $6.64. I used coupons for the items, bringing the price down to $4.24. By redeeming the rebate, Colgate paid me $5.76 to buy their products. Even if I didn’t have coupons, I still would have made $3.36.

Coupon Connection

Clueless about where to find coupons? Try these sources:

• Sunday newspaper. Look for glossy inserts from SmartSource and Valassis. Also look for coupons in store ads.

• The Internet. If you have Internet access, you are sitting on a goldmine. Check out coupon sites such as www.wow-coupons.com, www.smartsource.com and www.boodle.com. In addition, check manufacturer and store Web sites for coupons.

• In the store. Next time you visit the grocery store, look around you. Coupons abound.
  • In aisles, look for coupon-dispensing machines, as well as tear pads affixed to shelves and product displays.
  • On products, watch for peel-off coupons and hanging coupons. Also look for “wine tags,” coupons hanging from wine bottles or located on shelves in the wine section. Wine tags are valuable because they often offer money off a category of items, such as produce or seafood, instead of a specific product.
  • At the customer service desk, ask whether the store publishes a monthly or weekly coupon book.
  • At checkout, see whether there is a machine that dispenses coupons with your receipt.

Much to my dismay, I recently learned that the free Aveda birthday program has been discontinued. For the last 3 years, I’ve enjoyed a free Aveda product on my birthday, all for the cost of allowing Aveda to send me ads and coupons. Loved it!

Now Aveda has a program called Pure Privilege. It’s a rewards program that you can sign up for at participating Aveda stores. There is a one-time enrollment fee of $10. For your $10, you immediately get a makeup bag of travel size shampoo, conditioner, foot lotion and hand lotion, a $30 value. You also receive the promise of a birthday gift certificate of some kind. And like I said, it is a rewards program. For each dollar you spend at a participating Aveda location, you get 10 points. After accumulating 1,500 points or more, you are entitled to choose a product in their rewards catalog.

Swayed by the assurance that the points won’t expire and my addiction to Aveda Phomollient, I figured I’d give the program a whirl. In a few months, I’ll give you an update on what I think about the program, after I receive the birthday gift!

(Photo is from Pure Privilege website)

Welcome to my first blog! 

This blog is focused on one of my hobbies - personal finance (though some of my other interests may sneak in from time to time ). I’d like this blog to be informational and fun (because I do believe you can have both). I am not an expert on finance; I just want to share what I know and encourage others to do the same. Maybe we’ll all learn something and retire early!