Presidents’ Day Sales Should Get Your Attention

While Valentine’s Day (or Frugaltine’s Day if you will) usually grabs all the headlines in February, winter savings discounts have been trending up over recent years making Presidents’ Day now the best time to buy on many items and categories for the month, and even for the year! Last year revealed the biggest discounts ever on winter apparel, going as high as 85% off original prices, including stacking coupons, loyalty discounts, and BOGO’s. While you should never buy something just because it’s on sale, or worse, just because the retailer says it’s a good deal, if you’re looking for certain items, you’ll want to pay attention to the Presidents’ Day sales.

Presidents' Day Sales

Presidents’ Day not only held offered amazing savings at retail stores, but online shopping as well, which most everyone believes culminates with the best savings on Black Friday and Cyber Monday. Continue reading“Presidents’ Day Sales Should Get Your Attention”

What is Bargain Hunting to You?

I write about savings on this blog because saving money is very important to my wife and me. I enjoy the challenges of bargain hunting and knowing and feeling that I got a very good deal, if not the best deal available. But I also know that not everyone views a bargain in terms of dollars and cents.

Remember this rule of thumb above all else:

“A bargain isn’t a bargain if you don’t need it and won’t use it!”

I’m sure if you check in your closets you will find some things you have purchased because it was such a deal, but has never, ever been used. These purchases will probably wind up as a bargain to someone else at your next yard sale.

What is Bargain Hunting to you?
Your satisfaction with a bargain may depend on what kind of shopper you are. Over my years in retail, I have found that people can be divided into a couple different types of shoppers. Continue reading“What is Bargain Hunting to You?”

Preparing to Celebrate Saint Frugaltine’s Day

You remember Saint Frugaltine, don’t you? Patron saint of those who wish to save money while remaining romantic? Well, Saint Frugaltine’s day is coming up soon and those of us who wish to celebrate have some planning to do.

Now if you’re one of those people who don’t celebrate, who think it’s all part of a grand conspiracy to get you to spend more money, let me ask you this: if how much you spend (if anything at all) is up to you, what’s so wrong with celebrating love on just one day a year? It doesn’t even have to be romantic love (singles, I’m looking at you!), it can be family love, friend love, pet love, hobby love or whatever kind of love you value in your life. If you do nothing else for Saint Frugaltine’s day, at least spend a moment of gratitude for the love that you have. You’ll instantly feel richer.

Preparing to Celebrate Saint Frugaltine's Day

If you want to celebrate, let’s look at some of the ways you can remain true to your budget while displaying your passion for your love.

Continue reading“Preparing to Celebrate Saint Frugaltine’s Day”

Home Equity Line of Credit: Is it for you?

There may come a time when you face a situation when you need money that is above and beyond your emergency funds. We may all face them at some point, whether it’s a medical emergency, car or house situation, or perhaps something with the kids like a huge tuition bill or family issue you need to help solve. What can you do? There are several solutions, but today I’d like to address a common but often misunderstood one, the home equity line of credit, or HELOC.

Home Equity Line of Credit: Is it for you?

First, let’s talk about home equity. The equity is the difference between what you owe on your home to pay off any mortgage and the current market value of your home. For example:Continue reading“Home Equity Line of Credit: Is it for you?”

Why Saving Money is So Important to Me

Personal finance is about money, but more importantly, it’s personal. We each have our own financial history, motivations, values, goals, and circumstances. Today I’d like to tell you a bit about me personally, about why saving money is so important to me, and how that influences my finances as well as this blog.

Gary WeinerI grew up in Philadelphia many long years ago. While my family didn’t have a lot, I was fortunate that we had enough. Both my parents worked, and with my mother as the shopper of the house, I learned that stretching your money as far as possible was important.Continue reading“Why Saving Money is So Important to Me”

Buying a Car – New or Used?

When you decide that buying a car is right for you, one of the biggest decisions you’ll need to make is whether to buy a new or used vehicle. It’s an important decision because, let’s face it, other than buying a home, a car is probably one of the bigger purchases you’ll make in your lifetime. And it’s something that, if you’re anything like me, you’ll be doing many times over the years. So making the right choice for your situation and your budget can be crucial to your financial health.

Buying a Car - New or UsedContinue reading“Buying a Car – New or Used?”

Meal Planning – 1,095 reasons why

If you’ve ever stopped to think about it, we plan and eat about 1,095 meals every year. That’s a lot of decisions! But what if you could narrow that down to 52? When meals aren’t planned, chances are high that we’ll eat something more expensive and less healthy. Weekly meal planning is a great way to get organized, eat healthier, avoid wasting food, and save money. While it takes a few minutes of planning each week, the results are worth it. By creating a master menu to choose from and seeing what inexpensive ingredients are on hand, it’s easy to plan your way to savings.

Meal Planning
Continue reading“Meal Planning – 1,095 reasons why”

12 Ways to Save on Holiday Shopping

Let’s face it: the winter holidays are closing in on us at a furious pace, with holiday shopping starting in stores before we even reach Halloween. But it’s the end of October and we have about 8 weeks to plan, execute and deliver our 2014 festivities if we haven’t started yet…and many of us haven’t!

Save on Holiday Shopping

 

With finances always at the front of our minds, we sometimes forget that traditions, thoughts and memories are what the holidays are all about. The gifts, while always appreciated, should only be a part of the events, not the whole thing. That’s why I’ve come up with a few suggestions that can ease the pain on your finances and still mean a fulfilling family time for your holidays this year.Continue reading“12 Ways to Save on Holiday Shopping”