8 Ways to Celebrate Savings

Ellie Kay, "America's Family Financial Expert" ®, offers some easy, practical money savers in this Financial UPGRADE to help us become better stewards of our financial resources. With financial wisdom, we can share with people in need and support the Kingdom in tangible ways.

"Saving money can be a lot easier than you think," Ellie says, "if you know when and where to use the right websites and apps."

I (Dawn) have appreciated Ellie's budgeting and saving tips in the past, and this post has a few ideas I hadn't thought of before!

Ellie continues . . .

I just returned from Barksdale AFB, where we had the latest Heroes at Home Financial Education event. I absolutely love traveling around the country giving these events to our Heroes and Heroes at Home! 

There are several apps we always love to recommend (RetailMeNot, TravelZoo, etc.) because they are so easy to use and save money. But one of the things I love is that we are always learning more and more websites and apps through these military families we encounter.

According to James 1:5, if we lack wisdom, we can ask of God who will give it to us.  

So let’s CELEBRATE the savings with a few of our favorite ideas, that can help you become wise in the use of your money.

1. Organize your Inbox: Sign up for emails from your favorite stores and brands because they frequently send out sales, deals, and coupons to get you back into the store! But if you don’t want to get 20-30 emails in your inbox every morning, sign up for Unroll.Me. You are able to unsubscribe from lists through this email that you no longer wish to see.

2. Budgeting: Mint is a great site and app for budgeting that I recommend quite frequently. You are also able to pay your bills and see your credit score. Also check out GoodBudget (formerly EEBA) if you are an envelope system family, and for sharing budgets with members of the same household.

3. Gas: Waze is my favorite GPS app out there. It calculates the best route using both major highways and side streets. But one of my favorite features in this app is that it tells you the gas prices for all gas stations in your area. It will also calculate how far off your route each gas station will be. TripTik (by AAA) calculates mileage based on most economic route.  GasBuddy is another great tool for calculating a trip cost, gas price charts, and more.

4. Coupons: RetailMeNot is my recommended coupon app for retail stores. But also check out Coupon Sherpa for in store coupons to make sure you are always getting the best deal. If you are a fan of paper coupons, use SnipSnap to take pictures of the coupon and use your phone when it comes time to redeem.

5. Entertainment Tickets: Goldstar is a great site for finding half-priced tickets for shows and concerts in cities around the world. For Veterans and families, take advantage of Veterans Tickets Foundation, which is a great organization that provides free tickets to family members of troops Killed In Action (K.I.A.), our Military and Veterans to sporting events, concerts, performing arts and family activities.

6. Parking: Never overpay for parking in any city when you use BestParking. You are able to search city and airport parking to find and compare the best rates. This is a great tool for both planning trips, and getting a good price on the go.

7. Airfare: Looking for that special price for that trip coming up? Keep an eye out for the best time to fly at the best price with Hopper or BookingBuddy.com.

8. Other Apps – Travelzoo.com

What are some of your favorite ways to be a better steward of God’s resources? Let me know so I can keep spreading the word!

Ellie Kay is a regular expert on national television with ABC NEWS NOW’s Money Matters and Good Moneyshows. Ellie is also a national radio commentator, a frequent media guest on Fox News, and CNBC, a popular international speaker, and the best-selling author of fourteen books including her  newest release, The Little Book of Big Savings (Waterbrook, 2009).

Graphic adapted, Image courtesy of Feelart at FreeDigitalPhotos.net.

Upgrade Your Saving Power!

Holly Hanson is one of those multi-talented individuals with words of wisdom in so many areas, especially parenting and financial “smarts.”

“My plunge into motherhood almost nine years ago,” Holly said, “has taught me a lot about sacrifice.”

Anyone who’s been a mom understands that word, “sacrifice;” but I admire Holly, because she  turned financial stress into positive living with creative, productive choices. When I called her a financial expert, she said, "No, I'm not an official financial expert, just a civilian price warrior!"

She continues ...

The biggest sacrifice I made was giving up my producer job at a TV station to stay home full time. In order to make it all work and still be able to eat, I discovered a multitude of ways to be a good steward of my money each and every day.

I see this opportunity as one way to emulate the creativity and household responsibility of the Proverbs 31 Woman. In verse 27 it says, “She watches over the ways of her household and does not eat the bread of idleness.”  I want that to be the way others describe me, as well.

If you can turn some of these tips into rock-solid habits, you can live a two-income lifestyle on a one-income paycheck!

1. Pick Your Time to Shop. This tip works best for major purchases.

Buy a car or a mattress on a holiday when there are sales and no tax. Buy a barbecue after Labor Day when they all go on major clearance.

If you have children, shop the clearance clothing rack at the end of the season for the next year’s sizes—your kids will definitely grow, while the price of the clothing stays small! I keep all of my daughter’s too-big clothes in an under-the-bed box. I review the inventory each season to see if anything new fits. 

This works for BOGO [buy one, get one] sales too. I buy two pairs of tennis shoes, one in the current size and one in the next size up.

If you need party supplies, shop for them after every major holiday. Heart napkins on sale after Valentine’s Day will work great for your anniversary dinner. Spring napkins/plates/decor on sale after Easter can beautify a table any time of the year!

2. Know the Menu.  When you go to a restaurant, don’t always assume the “combo” is the best deal, or that the sandwich has to be ordered the way it is described. Take a minute to review your options.

If you like lettuce and tomato at Wendy’s, you can add it to the dollar cheeseburger for free. Some Mexican restaurants allow you to add “items” to an existing combo for less than the price of a regular entrée.

We sometimes order one meal and “add on” enough to feed the whole family for much less than three separate meals! Denny’s does this with their Grand Slam breakfasts. I never get the kids’ meal when I can just add on a 99-cent item or two for my daughter!

3. Use Those Coupons! I have made it my personal mission to NEVER buy something at a store that I know I have (or can get) a coupon for. It’s amazing how much you spend on impulse items, if you can’t discipline yourself to follow this rule.

In the age of smartphones, a simple Google search can yield plenty of online coupons, many of which can be redeemed by simply showing your phone to the cashier. I’ve done this at restaurants, too, like Souplantation and Fuddruckers, when I forgot to print the email that they sent me with the offer. 

Vons also has a wonderful program called Just for U, which allows you to select coupons on your phone or computer that are instantly added to your club card. (I have even added coupons in the checkout line!) Coupons are like free money!

Don’t be foolish. Don’t waste the chance to upgrade your saving power!

Which of these helpful tips are you using now? Which would be a great new choice?

Holly Hanson is a veteran Emmy Award-winning journalist who finds her calling in her family motto: “Love God, Serve Others.” Holly has written and produced internationally for Women of Faith, Turning Point Ministries, and locally with KFMB-TV, KFMB-AM and KPBS Radio. She is married and is a mom, step-mom and soon to be step-grandma. Holly is active at Shadow Mountain Community Church, serving on the Women's Ministries Council, singing in the choir, and running Moms Inc., a ministry she founded and directs.  

Photo in text: Image Courtesty of Grant Cochrane at  FreeDigitalPhotos.net.