5 Dangerous Terms That Make You Spend Your Hard-Earned Money!

I sometimes have said that you can blame Ralph Nader for all the mistrust people have in big business today. Those seeds were sewn a long time ago when Mr. Nader was a major factor in protecting consumer rights (you can check it out here if you’re too young to remember!). But whether you recall his consumer activism days or not, there were and still are some very good reasons to have mistrust even today. Advertisers often use misleading ads to separate you from your hard-earned cash.

Retailers use dangerous terms and misleading ads to separate you from your hard-earned money. Learn their tricks to keep your guard up and your money safe.

 

We’ve all heard and seen those retail ads on TV and radio, in newspapers and magazines, or in our e-mail inboxes that make unbelievable claims and promises. Think phrases such as “it’s totally risk-free” or “thousands already saved on this amazing offer”. You know what I am talking about here. That too-good-to-be-true ad copy that frequently grabs your attention and makes claims that fundamentally and even deliberately mislead you! Continue reading

Why Are Easy Money Decisions So Hard to Make: Paralysis by Analysis

Have you ever stopped to think about what goes on inside your head when it comes to decision making, especially when those decisions involve money? Is it that people are simply afraid, confused, or are they just generally terrible decision makers?

If you suffer from paralysis by analysis when making easy money decisions, there may be a reason behind it. Let's see what science says about these choices.

Is it really way too “Easy to Be Hard”? Kind of like the band Three Dog Night sang back in 1969, though they weren’t talking about money decisions. But what the heck, I need a 60’s song about this time of day anyway, so why not this one? (I do just love sneaking these great oldies into the post even when they are just here to amuse myself!) Continue reading

NEW *Updated* List of 100+ Amazing Senior Discounts

Today is August 31, 2018 and I have just updated my Super Saving Tips senior discounts list effective right now so it’s bigger and better than ever. Bonus: You don’t have to be 65+ to take advantage of a lot of these discounts as many retailers and services recognize 50 as the line for discounting to “seniors”. I love AARP: If you are the spouse of an AARP card holder (who is age 50+), you can get the discounts they offer no matter what your age. My own wife at 48 gets them!

I've updated my comprehensive list of senior discounts, with everything from dining to groceries and shopping to travel. For many, you don't have to be 65!

 

Many of your favorite places to shop and dine are offering these special discounts. Regardless of whether you feel like eating fast food or a steak dinner, shopping at high end specialty stores or major discount operations, keep this list handy but do keep in mind that these deals may vary based on location. Oh, and don’t forget to ask for the discounts! You may not ever be proactively offered discounts just because you are standing in line at the checkout, so ask!
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How I Saved $148.21 Shopping Today

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Today was a pretty good day. In fact, any day when I save more than I spend, and spend almost nothing on top of it, is a good day. I make a lot of notes and save a lot of info every day that I can use to help save money on shopping and then I strike! Think of it like it is war and you will have a better understanding of how it makes me feel to win the money battle that we all have to fight. So when I tell you that today, I saved $148.21, I hope you get the same feeling that I have when we are winning the war!

To save money on shopping, I strategically plan my use of sales, rewards, loyalty programs, and coupons. You can do it too!

Shopping, Like Any Battle, Starts With a Good Plan

As I said, I am always looking for deals, coupons, and specials that can help me save my money on the things I use. In retirement, it’s ultra-important and I have to admit I have the free time to check out all the possibilities. I haven’t exactly calculated how much impact all of my dedication has saved me for the entire year, but I can tell you that I have saved double-digits regularly on my monthly expenses because of it. If you can do even a little planning and fact finding, you will save like that too! Continue reading

14 Ways to Save on Your Back to School Shopping (Plus Free College Checklist)

I have been writing about back to school shopping for years now around this time of the summer and it is a subject that about a gazillion other bloggers chime in on too, so it must be a biggie! The challenge or chore of it all is a headache for some and a burden for others, but it doesn’t have to be that way if you choose to follow a bit of advice. Here is my very best effort at making the experience not only a money saving one, but as stress free and even as much fun as possible.

If you have kids, back to school shopping is a must. But spending a ton on it isn't. Here are 14 ways to stretch your dollar further for back to school.

If your child is in his or her middle school years, you are probably a real veteran at BTS shopping and perhaps you think you have this routine “knocked” and you’re all set. But, and it’s a pretty big but, every year there are new players and rules to consider so it can’t hurt to review all of it before you venture out to actually do it! Plus, if your child is off to college for the first time, it’s on a whole different level.
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The Best Savings at 4th of July Sales and Beyond

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To every thing there is a season, and a time to every purpose under heaven. – Ecclesiastes 3:1

You don’t need to be a Bible student to know that when it comes to shopping, seasonality is a big factor in the art of saving money and finding the very best deals. 4th of July sales are the perfect example of that situation and offer some of the best opportunities if you know what to look for and you have a real need! You already know that buying only based on your wants isn’t always a good move and buying a “bargain” that you might never actually use is downright foolish!

If you're planning to hit the 4th of July sales, or shop throughout the month of July, you'll need to know what's "hot" and what's "not" in summer savings.

But, if your Independence Day plans include hitting up the malls or shopping online, get ready for what can be some of the best sales and celebrations of the year. Smartening up on what to buy (and not to buy) during the July and the summer sales and clearances will make the summer more fun and the outdoor party season much more enjoyable for you and your family! Continue reading

What Dad Really Wants for Father’s Day

Being a dad has been the biggest responsibility I have ever had. After all, bringing a new life into the world and literally trying your best to help make that person the best kind of person they can be and fulfill their life’s real potential doesn’t weigh easy on anyone.

I sometimes get a bit misty eyed when I think about my two kids and I always miss seeing them when they aren’t right here with me. I think we all feel that way because after all they are so very important to us.

Father's Day is coming on June 17th. I'll share with you the secret of what Dad really wants for his special day and you won't need to spend the big bucks.

So a couple of years ago, I wrote a post about my thoughts on Father’s Day and it really came from my heart. I think the message in it says what every dad (and mom too) thinks and feels about a day like this. Even though the environment we live in makes us feel like honoring our dads and moms is all about buying gifts and making a big deal out of just the one single day a year, I can tell you from personal experience, that’s not what dads (and moms) really want from their kids. Continue reading

Surprise! You’d Never Expect These Online Bargains

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I do love a deal. There, I said it, but by now it’s really not a secret, is it? If you are like me, a typical “bargain hunting” shopper, you probably have signed up for emails from some of your favorite online retailers like Staples, Bed Bath & Beyond, Kohl’s, and Walmart, etc. They are constantly sending offers like coupons and discounts on their latest promotions that you probably love just like I do. It can be a great way to find some online bargains, so long as you only use them when you need them.

When searching for online bargains, you may think you know where to look. But surprise!...you might just find the best deals in some unexpected places.Logically you think if you need clothes, check out the deals at Kohl’s, copy paper then look at Staples, and new cookware or a bathroom scale, Bed Bath & Beyond, right? But did you know the magical part of buying and selling online is that all of these retailers sell stuff you’d never guess they have and sometimes they are shockingly good deals! You’d never expect to get these bargains at these sites and that’s why today I am sharing with you some really surprising things that I have discovered! Continue reading

These 19 Retailers Have the Best Return Policies in The World

L.L. Bean has long been known for its lifetime return policy, which it ended just this past February. But don’t despair. The company is still offering an amazing policy that most people are pretty happy about! The store now offers a still-generous one-year window for returns.

When preparing to shop, it's important not only to compare prices, but also to check a retailer's return policy. You'll want to find a retailer who stands by their products in case something unforeseen happens. Here are 19 retailers with the best return policies.

 

L.L. Bean ended its legendary lifetime return policy to clamp down on customers who were taking advantage and using it to replace heavily worn products.

“Increasingly, a small, but growing number of customers have been interpreting our guarantee well beyond its original intent. Some view it as a lifetime product replacement program, expecting refunds for even heavily worn products used over many years,” the company wrote announcing the policy changes to customers.

I spent so many years (over 39!) in the retail environment that I can personally verify that some people out there do abuse return policies to the point that it has to be “built” into the retail price these days to cover for what stores must throw away that was returned for bogus reasons. Continue reading

So, Did Anything Good Happen to You This Week?

Once again it’s the start of a new week. It’s Sunday right now and for me at least it feels like it’s definitely an opportunity to start out fresh and clean and leave last week’s chaos behind us. I hope that my faith in that will be rewarded. It just seems that all that goes on such as the chaos in Washington, on Wall Street, and even just on Main Street right here in town leaps out at us all. But somewhere along the way I keep thinking that something good must be happening out there! Usually I ask that question in a different way. It’s usually, “Tell me something good that happened this week.” But what I really want to know is if anything good happened to you this week…your own personal good news.

Bad news and chaos seem to rule the headlines, but today I'm interested in good news. I'm sharing the story of my frugal shopping win, and I'd love to hear your good news of the week.

The good things seem to just come and go, often without being recognized and truly appreciated. We have to recognize the bad things because they are right in our faces and must be dealt with, but the good things just add quality to our lives in some simple way and sometimes we expect that to be part of the norm and we may even take them for granted. It’s only when life gets disrupted by the bad that we sit up and take notice. Continue reading