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Adventures in Shopping: I Love Ross! (Dress For Less, that is)

April 15, 2009 9 Comments
One of my favorite places to look for bargains is Ross Dress For Less. They have a vast selection of clothing of all sizes and styles, and they have a number of housewares, kitchen, and decor items. I’ve bought items from every single department in this store, but I’ve been most impressed with the deals I’ve gotten on jeans, shorts, and capris. I can usually find really cute stuff for $15 or less, which is awesome if you’re on a tight budget.

I also love their housewares stuff, and I enjoy looking through their picture frames and photo albums, and if you’re in to organizing, they have great deals on baskets and stuff.

My husband also likes this store. He loves athetic shorts and jerseys, and he especially loves Adidas and Nike stuff, and he’s found some good deals on these. Last trip he was looking for a pair of comfortable shoes to wear for work, and he was pleasantly surprised to find a very stylish and comfortable pair of Dr. Martens for $30. (They would have normally sold for over $100) Overall, I’d have to say that this is the best deal we’ve ever gotten. The cashier was even commenting on what a great deal we were getting and how great the shoes looked….but I think she thought we were a little crazy when my husband said he was going to wear the shoes for work.

Last trip I also bought something really cute for myself, which I think all my baking, homemaking, blogger friends will love! It’s this lovely Butterfly Apron:

I always have to check out the back of the store to see if they have any nice kitchen or household items, and this last trip, I was really surpised to find a stack of aprons. They’ve never had these before at any of the locations where I shop. It may be a new item that they’re going to carry regularly, or it may be a limited time thing. Whichever the case, I was really happy to find these.

Each apron is made of cotton, and is one size fits most. They all tie around the waist and around the neck, and they have a single pocket. And they had several colors and designs available at my location. (I remember seeing a couple of different flower patterns and also a polka dot one.)

I’ve looked around at aprons on the internet. The cheapest ones I have found are around $20, though many are $30, $40, or even $50. So I was very pleased to find the ones at Ross for only $7. If you’re in the market to purchase an apron, you may want to check them out.

-Jerri



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I’m sharing this post for Frugal Friday over at Life As Mom.
Filed Under: saving money, shopping

Review for List2Shop.com

April 9, 2009 1 Comment

We all know that having an organized shopping list is an important key to saving time and money at the grocery store. Today I’m going to tell you about a site where you can create multiple shopping lists. It’s called List2Shop.com.

With this free site you can easily and quickly create and print your shopping lists online, and if you sign up for a free account, you can save your shopping lists to use at a later time. This is a perfect tool for someone who wants to list a few items at a time and then come back later to add a few more or for anyone who wants to create a master shopping list to print out for each trip.

Also, consider this: How many times have you been at work and thought of something that you needed to add to your grocery list? And how times have you planned a shopping trip for after work and realized that you left your list at home? With this website you can access your list from anywhere.

A free account also gives you access to the Favorites Tab, where you can create a list of your favorite stores or a list of your favorite items. With this feature, you can make a list of a few items that you buy every week, or you can create a larger list of items that you buy when your stocking up.

I just signed up for a free account and began making my shopping lists. It was very easy to set up, and the features on the shopping list tab allow you to create a detailed and organized list. I’ll explain how it works.

On the page you have 3 columns. Under the first column, there’s a list of categories such as “baked goods,” “medicine” and “spices & herbs.” When you click on the category of your choice, a list of products that belong in the category pops up in the second column. You then click on the item that you want add to your list. (There’s also a place where you can manually type in an item that may not appear on the menu.)

Then there’s an optional third column, which allows you to pick a store that you’d like for the item to be listed under. I really liked this feature, because I always make one list for Aldi and one list for Wal-mart. And this feature will allow me to easily add an item under one store or the other. (And I think you will be impressed with the vast array of categories, products, and stores that are listed.) You can also minimize your lists on the page, so that you can easily or focus on a particular list.

Now as I said, the site allows you to create a detailed list. For each item that you place on your list, you have the option to enter a quantity, the price, and even a comment. This is perfect if you’re someone like me. I often write a quantity beside each item on my list, and in the past I’ve also used my old receipts to determine the price of each item so that I can have an idea of how much my grocery bill will be. And now that I have access to this website, I can enter the prices so I’ll be able to quickly estimate my grocery bill each week.

I also like the idea of the comments section. I think this would be a great place to type in the brand name and/or the portion size you want to buy, which will really save time when you’re in the grocery store, and it would also be helpful if you ever send somebody else to do the shopping.

And once you’ve created your list, you can easily edit your items and move them up or down on the list for perfect organization.

What I love about the site is that it is very easy to understand and navigate through. Your shopping lists and the menus used to add items to your list are all located on the same page, so you don’t have to go back and forth between webpages. You can add items to your list with just a few clicks. And most of all, I enjoyed being able to organize my list and add the extra details about each item.

If you’re a busy woman looking to get organized and save time and money, you should check out List2Shop.com.


-Jerri

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I’m going to share this post for Frugal Friday over at Life as Mom.

Filed Under: Freebie, organizing, saving money, shopping

A Foreign Invasion of My Washing Machine

March 17, 2009 1 Comment
Today I’m sharing an article that was sent in by Michael Brown. It’s a story that a lot of you moms out there will surely relate to, and it’s a very relevant article to read during tough economic times.
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Washing machines are for washing clothes, not your children’s toys. Adults know this but sometimes kids have to find out for themselves. I have five year old twins and I’d like to think that I’m a pretty good parent, but my little angels occasionally get themselves into things that they’re not supposed to, like my washing machine. Here’s my story about appliance repair.

My boys like to play army when they’re stuck in the house on a rainy day. They take these little green men and hide them all over my house and then hunt them down with some jeeps and plastic tanks. It can be an annoyance when I’m cleaning up and finding army men everywhere but its fun to watch them strategize and have fun. They have been warned though about hiding their toys in appliances or under appliance parts of any kind. I guess they didn’t think that this meant the washing machine.

If you’re a parent, you can probably guess the rest of the story. The jeep and the tank somehow ended up in the washer and the washer got turned on mysteriously. Both boys came pelting up the stairs and Mom had to go down and shut her very loudly banging machine off before the damage got too extensive. The appliance itself was okay because the toys weren’t in there that long but the agitator had gouges in it. That plastic they make those trucks out of is tougher than it looks.

I did have a brief moment at this point where I feared that I would have to buy a brand new washer, but common sense took over. I could see that it was just the agitator that was damaged and it looked fairly simple to replace. As a single mom, you have to learn how to be handy with tools and raising two boys you need to be able to fix things that are broken without calling in professional help.

Taking a neighbor’s advice, instead of calling for an appliance repair guy I went online to http://www.appliancepartspros.com/ and ordered a new agitator for $29.07. They have Whirlpool parts for washers, dryers, refrigerators, ovens, stoves, and appliance parts for just about everything that you can’t find in a hardware store. All in all, there are over 1,000,000 appliance parts at Appliance Parts Pros and you can order them shipped the same day. It was a great option for someone like me who has more time than money. The installation was fairly easy and the washer works great now. The kids are still grounded.

Filed Under: Home/Garden, saving money

Adventures In Shopping: Thrift Store Finds

March 4, 2009 20 Comments

Today I’m sharing with you a couple of my latest thrift store finds. When I was a kid my mom always used to take me to yard sales, and over the last several years she’s become a thrift store fanatic. So I’ve started going some too. Thrift stores are a great place to find good items for cheap. I collect a whole bunch of stuff, so I really like walking through and seeing what kind of collectibles and decor items I can find. And sometimes I find good books and toys too. Today I’m sharing a few collectibles and a desk organizer that I bought.

Bear & Snow Bear Figurine – 50 cents.
Fruit Pie Salt & Pepper Shakers – 50 cents.
Bride & Groom Bear – 75 cents.

I just loved the fruit pie salt shaker set. The crust is one shaker, and the fruit topping is the other shaker. Too cute!

And I’ve always liked bears, so I just had to get these. And there’s a special story that goes along with the bride & groom bear. When I was in the first grade, someone we went to church with had a home interiors party, and they were having drawings for prizes. My mom and dad won a bride & groom figurine just like the one pictured above. When I was a teenager my mom gave the figurine to me, and it’s been kept in my China cabinet ever since. I’ve never seen another one like it, until I was walking through the thrift store one day. I couldn’t believe my eyes, when I found it. It was so neat. I just had to purchase it.
Cute Desk Organizer with 6 compartments and a drawer. – $4

I saw this one from across the store. I love desk organizers, and this is one of the cutest I’ve seen. I keep most of my office supplies hidden in drawers and containers, but I’m using this to store some of the supplies that I’m using currently (and most often). There’s a notepad, post-it notes and flags, batteries (for the digital camera), a roll of tape, a drink coaster, an eraser, pencil lead, and a pocket calendar. And in the drawer at the bottom are some stamps, stickers for greeting cards, a checkbook, and a couple of envelopes.

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This post is being featured on WFMW at We Are THAT Family.


-Jerri


Filed Under: saving money, shopping

Spreading Christmas Cheer With Less Money

December 17, 2008 5 Comments


When money is tight, you have to adjust to those circumstances. A lot people find this difficult, especially around the holidays. But you don’t have to spend a lot of money to be happy this Christmas. Here’s a list of activities that you can do and your family can do for little or no money, along with some other ways that you can spread Christmas cheer without breaking the bank!

Fun Christmas Activities:
-Go to Christmas concerts, plays, and pageants at a local school or church.
-Decorate the tree or house as a family.
-Go look at Christmas lights. Usually you can find whole neighborhoods with great light displays, and some places hold large light displays that you can walk or drive through.
-A lot of people have a “Santa’s Village” set up where kids can participate in different Christmas games and activities.
-Read Christmas stories.
-Watch Christmas movies.
-As a family, sit around and tell stories about favorite Christmas memories.
-Make Christmas cookies, candy, or gingerbread houses with the kids.
-Make ornaments or crafts with the kids.
-Listen to Christmas music.
-Have a cookie exchange.
-Encourage you kids to put on their own Christmas show, either singing Christmas songs or putting on their own little play.

Save Money On Gifts
-Rather than buying gifts for each other, get together with friends for some kind of charitable activity, like making Christmas boxes, or adopt-a-family.
-Instead of exchanging gifts, agree that you’ll volunteer your time to each other. You could help each other out on specific task like baking Christmas candy or wrapping gifts or cleaning out the garage, or you could agree to go out and do something fun together, like go shopping or go out for lunch.
-Focus less on the amount of money spent and more on the thought behind the gift.
-Draw names or play some kind of gift swap game.

Saving on holiday food:
-Serve appetizers and desserts rather than a big meal.
-Have a potluck.
-Think of how much food you had left over last year, and try to downsize if you can.

Making your home look festive without spending a fortune:
-Wrap the front door in wrapping paper.
-Purchase an expensive one or make your own.
-Place a string of lights over the mantle, a buffet, entertainment center, or other furniture.
-Or dress up these same areas with a little garland.
-Make a simple flower arrangement with poinsetta & berry sprigs.
-Place Christmas balls in a bowl or basket.
-Display all of your Christmas cards.
-Dress up your table with some placemats or a festive table cloth.
-Place a small Christmas tree in the middle of your table or buffet.

For other great ideas, visit Rocks in My Dryer.


-Jerri


Filed Under: Christmas, saving money, Simple Solutions

Saving Money This Christmas

November 28, 2008 Leave a Comment


In a time of economic uncertainty, everyone is looking for ways to save. In this post you’ll find a link to another article I wrote last year, which explains various ways that you can save money on Christmas gifts this year.

Here are just few key things to remember:

  • Create a shopping list & budget ahead of time and stick to your budget!
  • Pay with cash. This will help ensure that you stick to a budget, and you won’t have to worry about paying off those credit cards next year.
  • Use gift cards & shopping cards to buy your gifts.
  • Save money by making gifts yourself. Make your own crafts, jewelry, or Christmas candy and cookies.
  • Buy throughout the year when items are sale rather than splurging on everything at one time.

To read the entire, detailed article, follow the link below:
Tips to Avoid Spending Too Much This Holiday Season

Also, while I’m posting about saving money, here are few more points, which are not in the article, but are important to remember this holiday season.

  • Remember that it’s not the quantity of gifts or the amount of money spent that counts, but the thought behind the gift.
  • Sometimes good things do come in small packages.
  • Sometimes less is more.
  • No amount of money you can spend will ever replace or mean as much as the time that you spend with family and friends.
  • And don’t forget the reason for the season.


-Jerri

Filed Under: Christmas, saving money, shopping

Planning & Organizing for Black Friday and other Shopping Trips

November 25, 2008 1 Comment

For the first of week of our little festival, I’ll be focused on planning & preparation. We begin with Christmas shopping. As you all know, Black Friday is this week. There’s a big debate over the merits of Black Friday. It is really worth the trip? Can you really save that much? I’d say the answer is yes and no.

I think there was definitely a time when Black Friday was a little more worth your while. Somehow I think the further commercialization of Christmas, the availability of more & more items to choose from, and the fact that the Christmas shopping season has been expanding to where it no longer starts on Black Friday, but instead starts in October, has deminished the appeal and the excitement of Black Friday.

But you can find good deals on Black Friday. If you do your research, get there early, and are willing to stand in line for that door buster deal, you can definitely save money. Unfortunately some of the great deals you see in the paper are for items of which they only have a limited quantity. Other items you find in the sales aren’t actually on sale at all; someone just paid to have that item advertised. And some items that are “on sale” you will find, aren’t really much cheaper than they would be on any given day.

However, you can find deals. People find them every year. For example, we picked up a vacuum last year, and few years ago I got a great deal on a printer. There are definitely some great deals to be had, you just have to know where to look, and you have to have a plan.

I wrote an article last year on making the most of your Black Friday trip. I published this article on Helium, and it has been ranked number one in the category for the past year. It was even featured on the front page of their website a year ago. The article focuses on strategies that you can use to plan and organize your shopping trip. It lays out a step-by-step process and explains how to look at and sort through the mountain of Black Friday advertisements, how to organize your shopping list and trip, and it also gives you some tips on prioritizing your trip and maneuvering through the chaos at your local stores.

And even if you don’t plan on going shopping for Black Friday, the article is worth checking out because the process and strategies can be applied for any shopping day. And since they’ll be having Christmas sales throughout the month of December, it should come in handy. Here’s the link to the article:

Next up, I’ll have an article on tips to avoid overspending this holiday season, tips for making your shopping list, and other ideas for Christmas planning.

-Jerri


Filed Under: Christmas, organizing, saving money, shopping

Back to College: Beating the Bookstore Again

July 31, 2008 Leave a Comment


Here are a few more tips to help you beat the bookstore:

Refunds – If you buy from the bookstore, make note of the refund policies. For a number of days, you’ll be able to get a full refund on the books you buy (with a receipt of course) but after the deadline passes, you will not be able to get a refund. Instead the clerk will tell you that you have to wait until the buy back period at the end of the semester.

Beware of the Buy Back – Unless you just cannot stand to look a book for another second, and you have no hope of selling it elsewhere, or you desperately need money now, I don’t advise selling your book to the bookstore.

I participated in the Buy Back program a few times when I was in jr. college to sell books that I had absolutely no use for, and as my husband would say, “it’s a big racket.”

Here’s an example of what I mean: First, they only have a demand for a certain number of books, so by the time you go to sell your book, they may have reached their quota, and won’t buy your book at all. But in a way that’s a good thing, because if you sell your book to them, you won’t get much for it. For example, say you bought a new book for $100. The bookstore will probably pay you $40 for that book. (maybe a little more or less, depending on what kind of book it is), but they will then turn around and resell that book for about $75 (more or less). And it goes on from there, when the next person who buys the book for $75 participates in buy back and only gets $30, and then the book is resold again for a greater value. (so they can profit again and again)

Sell the Books on Your Own
If you don’t want to keep your old textbooks, and you don’t feel that the bookstore is willing to pay a fair price for them, then you’re better off to try to sell the book elsewhere.

Ask your friends and classmates if they are interested in the book. They will be happy to buy the book from you rather than buying from the bookstore, and if they don’t need what you have, they probably know someone who does. Or you can make flyers and post them on the bulletin board. Use the college’s online message board if possible to advertise your books or advertise on Facebook to a broader audience.

You can also use ebay, amazon, or some of the other websites that I listed in the previous post to sell your books. A few weeks ago I also found out about this website where you enter in the ISBN for your books, and the site makes you an offer for the books & even pays the postage for you to send them the books. It’s called Cash4books. I’m not sure how much they’ll offer you. It may not be as much as the bookstore offers, or it may be more. I suggest getting an appraisal on this site, and then going to the bookstore to find out how much they offer, and then you can go from there.

In truth, if you’re being offered $20 for sure, then you may not want to hold out for $35 potential dollars on ebay. It’s up to you, but as for me, when I pay money for a book, I’d rather keep it, than just give it away for practically nothing, and allow the bookstore to profit from it again…but that’s just me. =)


Filed Under: personal finances, saving money, School/College

Back to College: Beating the Bookstore

July 30, 2008 2 Comments

After being in school for 2 or 3 years, I finally decided to check online about buying some used books, and I was very surprised to find that I could get used book for about half the cost of the used books at my school, and used books that were about 1/4 the cost of a new book at my school. Obviously this adds up to huge savings when you take a book that’s $50 new and $30 used at the bookstore, and you can find it for $15 or $20 online, or when you find a $100 book for $35 or $40

Here are some tips & strategies that will help you to save money on textbooks (and all books for that matter.)

1. Buy used.

2. Buy an older edition of the book. – Often they put out a new edition of a book, and there are no used copies. You may just have to grit your tooth and shell out the dough for the new book, but you may also consider locating an older edition online. You should check with the professor to find out if it’s okay to get an older edition first. Sometimes it is absolutely necessary to buy the new book, as the newer book may contain important passages that the old book did not. (lit books & math books can’t really be substituted b/c they make changes) But in some cases, (such as with history books & some social studies books) there really is not much change in the content of the book, and the teacher may allow you to use an older version if it is available to you. The very first day I attended classes, my history professor put this way: “We have a new book this semester. If you know someone who has the older edition, feel free to use it instead. The new book offers no new information that you’ll need. Basically every couple of years, they decided to add one or two new photos, rearrange a couple of chapter, jack the price up $10, and then you get screwed.” This sentiment surprised me, as I didn’t expect the professor to feel that way, let alone say it, but I’ve found it to be true nonetheless. So if the teacher allows, find an older edition of the book.

3. Buy at the off campus bookstore. If you go to the college bookstore, and they are out of used books, then go off campus. Off campus bookstores generally have a good selection of new & used books, and they are generally a good bit cheaper. But just as with the college store, used books will be the first to go at the off campus store as well, so you need to shop there early.

4. Buy from fellow students. If you look around campus, you’ll find flyers on bulletin boards, where people are trying to sell their old books. They are selling them b/c either the bookstore met its buy back quota and would not buy their book back, or because they didn’t like the price that the bookstore wanted to pay them for the book. Either way, they want to get rid of that book, and they will be willing to sell to you at a lower price than what the bookstore offers.

5. Facebook. I’ve been told that a lot of students are now advertising the sell of their old books through facebook.

6. School’s Online Messageboard – Same concept. Some school’s now have an online email or message board system that allows students to post up books that they are selling (or books they are looking to buy.)

7. Library – A lot of the textbooks needed for various classes should be available at the school library. You’ll need to go early if have any hopes of checking them out, and there may be a limit on how long you can borrow them for, but it’s definitely something to look into.

8. Book Swap/Trade/Borrow – Talk with friends about the classes that you (and they) are taking or have taken. You may be able to work out a trade, or do some book borrowing. For instance, my husband loaned out a lot of books to friends who took classes that he had already taken. And I had a friend who needed a math book that I had, so I gave him the math book, and he gave me a psych book.

9. Buy Online – This is a sure way to get a good deal of 50-75%, but it does take time to do the research to find all the books you need and make sure you’re getting a good deal, so you have to get started early. Here are a few sites to consider:
Ebay – I bought most of my books on ebay and saved a ton.
Amazon – I haven’t bought as many books here, but I did buy a couple here when they weren’t available on ebay.
paperbackswap.com – I haven’t used this site, but apparently you list books here that you are willing to swap for others. I’m not sure if there’s an option to buy a book without swapping or not, but I did read that you get 2 free books, whenever you list a book for the first time.
buyusedtextbooks.com – buy/sell books on this site
abebooks – buy/sell books

You can find more by simply searching “Buy textbooks” on your internet search engine.


Filed Under: saving money, School/College

Back to College: Financial Aid, Part 1

July 16, 2008 Leave a Comment

Money is often the deciding factor when it comes to what school we choose to attend or if we choose to attend at all, and long after the diploma is in hand, the financial burden is still felt.

While I’m not an expert of student loans and financing, I have learned a few lessons about student loans and aid, and as I am currently paying back a student loan myself (and will begin to start paying my husband’s very soon as well), I can tell you that I wish I knew then what I know now about student loans.

So here are a few tips and basic info I’ve come up with:

  • If possible, begin saving for your child’s tuition as soon as you can. Find a pre-paid college tuition program. (In which you put back a certain amount of money each month.) Or invest a little money in bonds or cds early on in your child’s life, or at the very least start your child a savings account. (small deposits can add up)
  • Every college student is required to fill out financial aid application. (aka FAFSA)
  • Shortly after filling out your application, you’ll get a “reward letter.” If you receive a grant, you should definitely accept it, as this means that you will not have to pay the money back. But before you accept a loan, you should review how much money you actually need for tuition, room/board, books, transportation, etc. More than likely you will be “rewarded” more money than you actually need. If you don’t need all the money they want to loan you, don’t accept the loan. Instead except a reduced amount. (though if you are on a fixed income, the extra money may be of great help to you, so just use your best judgement.)
  • A few months before your first semester you need to talk to the people in charge of financial aid at your school to find out what the procedure is for paying tuition. Where I went to school, you had to pay tuition out of pocket, and the financial aid would later be disbursed to you. However, at the school where my husband currently goes, his tuition is subtracted from his financial aid total, which means he doesn’t have to have the money ahead of time. (very valuable information to have)
  • Also, when you receive you’re reward letter, don’t forget to turn it in to your school’s financial aid department, and make certain that the person you give it to does something with it. If you’re reward letter is not signed, turned in, and processed you will not get your aid money on time (if at all). I ran in to this problem myself when the person I handed my reward letter to failed to deliver it to the proper person for processing.
  • If you mail in tuition money and/or reward letters, it is a good idea to call about a week later to confirm that it was received and processed into their system. If for some reason there is a glitch or an oversight, and you don’t take care of it before the start of semester, then you will have a big headache on your first day.
  • And this is important tip: If possible, avoid getting the loan through the government & the school at all! Instead shop around for a private loan with a competitive interest rate. And when you get your school’s reward letter, just decline the loan. More on this, on the next post.
  • Adding to my last point which I will expound upon in the next post, I advise you to be especially careful if your school uses companies like Sallie Mae to process loans. If you have bad credit, and can’t get a loan from a bank, than these loans will obviously have to suffice, however, they carry a very high interest rate, and if you ever miss payments or want to stop/postpone payments, you have to pay penalties which can cost you a lot of money.
  • While in school, you will be getting notices about paying interest early. If you are able to do this, I’d advise paying. But you don’t have to. And before deciding on whether to pay or not, you need to look over your loan documents to make sure that the interest will not be compounded at the end of the year.
  • After graduation, if you’re on a fixed income or don’t yet have a well paying job to help you make the payments, postpone your payments for as long as you can. Once you start making the payments, it’s hard to stop. However, be aware that the interest on your loan will continue to accumulate, and at the very least you should try to pay this every quarter.

Next time, more on the positives and negatives of getting a loan through your school


Filed Under: personal finances, saving money, School/College
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