Labor Day Sales & Freebies Available Now

September 2nd, 2010

Labor Day weekend is only a few hours away, but you needn’t despair if you haven’t solidified your plans yet.  With great sales going on both in stores and online, there’s plenty of deal-chasing that can be done this weekend.  Here are some Labor Day sales worth checking out:

BareNecessities.com is offering 50% off all clearance items through September 7th (now that sounds like a deal), and a buy 2 bras, get 1 free Labor Day sale (no expiration dateLabor Day sales are HEREisgiven, though it probably expires after the weekend).

CVS.com has an online special offering $10 off a non-prescription purchase of $50 or more, plus free shipping with coupon code LABORDAY50.

Gap.com has free shipping through September 11th on all purchases over $50.  Use coupon code GAPSHIP50 at checkout.

Gymboree.com is running its Fill-A-Bag sale with 30% off storewide until September 5th.  $5 shipping is also available for a limited time.

JCPenney.com has free shipping on orders over $49 with coupon code 49WORKS through September 11th.  Not valid on furniture.  And don’t forget that all shoes at JCPenney.com ship free.

JosABank.com is reducing their clearance products by another 50% through Labor Day weekend.  There are some great deals here if you’re looking for men’s dress clothing.

Kohls.com is offering 15% off all purchases and free shipping on orders over $75 with coupon code SAVEON75, which expires today, September 2nd.

Macys.com has free shipping on all orders over $99 until September 6th as well as some great Labor Day sales that are online only until today, September 2nd.  You can also get free shipping through September 7th if you purchase a minimum amount from specific companies.  For a full list of these deals, click here.

OldNavy.com is offering 20% off a purchase of $100 or 25% off a purchase of $150 for all online purchases through September 6th with coupon code ONSAVEBIG.


And while you’re online, why not sign up for some great freebies that may not be available when the Labor Day sales are done?

10 Places to Find Coupons

August 23rd, 2010

There’s no question that clipping (or printing) coupons can help you save big on your regular purchases, both at the grocery store and at hundreds of retailers nationwide.  But if you’re like most consumers, you’re probably hesitant toWhere to find coupons waste time looking for coupons or aren’t even sure where to get started.  The truth is, if you take a few minutes to look for coupons, you can probably find a coupon for nearly any item that you wish to buy.  And if you take a few moments to stock up on coupons for your next trip to the store, you can see instantly that you’ll save big.  Read on to find 10 places to find useful coupons.

  1. Sunday newspapers and weekend circulars. If you’re looking to save on gardening, home improvement or other services, Sunday’s paper is the best place to find deals on local services. But Sunday’s paper usually comes with a coupon insert as well, offering coupons on all sorts of items from shavers to sandwich cookies.  Take a moment to flip through the coupons looking for those that have a high value ($1 or more), or those that reduce prices on products you use regularly.  If you find anything interesting, don’t hesitate to ask your friends or neighbors if they want their coupons.  You may be able to score double!
  2. Coupon websites.  There are dozens of coupon websites that offer legitimate printable coupons.  Try coupons.com to get started, and once you’re used to the system, you’ll easily find others that fit into your lifestyle.  Target even has its own database of in-store coupons that you can print from its website and use on in-store purchases, which can be accessed here.
  3. On products themselves.  Sometimes products offer peel-off coupons or those that are tied onto the product, which can be used as an instant saving when you purchase the products.  Many times consumers think that they need to use detachable coupons for their next purchase, but in most cases they can be used to discount the original purchase.
  4. In the grocery store aisle.  Did you ever notice that your grocery store has little coupon dispensers that are hung in some of the aisles?  Check those out when you pass by, as they may be discounting an item that you purchase.  These coupons change regularly, so if you find a relevant coupon, don’t hesitate to use it.
  5. With your receipt.  At the grocery store it’s not uncommon for the cashier to hand you a coupon that prints out with your receipt.  These coupons are called Catalinas and can help you save big on your next purchase.  If you’re lucky, you can also receive coupons with your purchase when you buy things online.  I’ve seen many companies include a coupon code or discount off your next purchase on the receipt with your online purchase.  If you’re not accustomed to reading your receipts or packing slips carefully, now’s the time to start taking a better look.
  6. Search engines.  If you’re looking to make a specific purchase, why not look for coupons online simply by Googling the “product name coupon”?  You may be able to find serious savings, especially on things like clothing, electronics and music.
  7. On your cell phone. Yes, you read that right.  You can get coupons directly to your cell phone which can be scanned at checkout.  Try Cellfire.com for starters and see what you think.
  8. Facebook.  Is there a specific product or company that you really like?  Like their page on Facebook and you may find yourself finding exclusive coupons for Facebook fans only.  Some brands even offer coupons just as an incentive for you to like their page.
  9. Manufacturer’s websites.  Are you devoted to a specific brand of toothpaste or brand of shampoo?  Chances are good that you can find coupons on the company’s website that you can use to purchase their products.  Some companies even have fan programs that allow you to sign up to receive emails with coupons.  These coupons aren’t always the same as they are on the Facebook page, so it’s a good idea to sign up to them all.  Besides, having two coupons just means that you can enjoy double the savings.
  10. With free samples. Not only are free samples great, but they generally come with coupons too.  If you find offers for free stuff, as you may find on my Facebook page, make sure to sign up!

7 Surprising Back to School Money Wasters

August 19th, 2010

Back to school shopping often involves a lot of begging, crying and compromise.  Your children will undoubtedly beg for brand-name pencils, expensive backpacks and other ‘necessary’ items that you’re sure they can live without.  Of course, there are times when you’ll give in and other times when you will just have to say no.  It’s all part of the joy of parenting.  But when you’re evaluating when to give in and when to stand your ground, consider the list below which includes some of the most impractical back to school products ever invented.  Trust me.

Sandwich keepers

It doesn’t matter whether you get your sandwich keeper from the dollar rack at Target or spend more on one that willBack to School Money Wasters keep your kid’s lunch hermetically sealed.  It will only take a week or two for your child to lose the sandwich keeper or for you to find it hiding at the bottom of her backpack with an indistinguishable lunch caked into every corner.  Do yourself a favor and invest in sandwich bags.  For under 3 cents per bag you can find Ziploc-style bags that will block spills.  For even less you can find fold-and-close style bags that I used as a kid (without many mishaps, I might add).  As an added plus, you won’t need to wash them nightly.  And, of course, you won’t cry when they don’t make it home from school, as you would with your child’s sandwich keeper.

Binder Clips

Let’s face it – even adults can barely figure out how to open these contraptions.  Children can seldom use them independently, and even if you can get 40 for $1, they’re hardly worth the money.  In cases where simple paper clips won’t do the trick, consider using staples or a folder.  Unless the teacher requires binder clips, of course – but she won’t, because she knows they’re completely impractical.

Character Backpacks

I don’t know about you, but as a kid, I did not get a new backpack every year.  It was at least every 2 years, if it wasn’t longer.  If you want your children to use their backpack for more than one year, refrain from purchases that have Dora, Bob the Builder or any other character.  Chances aren’t good that they’ll like that character throughout even a single school year.  Chances of your child liking the same character next year are nearly nil.

Travel-Sized Hand Sanitizers

I’ve seen these advertised as an essential for any middle-schooler’s backpack, so that your child can avoid germs like the plague.  The problems are twofold.  Firstly, chances are slim that your child will actually remember to use said hand sanitizer, or that she’ll be able to use it without looking ‘nerdy’.  Secondly, some studies suggest that stripping the skin of all protective layers actually makes people more susceptible to germs and illness, and you wouldn’t want to risk it, would you?

New College Textbooks

New college textbooks cost a fortune and will probably become outdated within a year or two (if not sooner).  Why spend hundreds of dollars on new textbooks when you can get used copies at a fraction of the price?  As an added benefit, you may also be able to get the previous owner’s notes in the margins or highlights in the text which will make studying slightly less painful.

Rubber Bands

I’m not claiming that rubber bands are a useless invention, but just that purchasing them is a waste of money.  Because these may be one of the least-used back to school supplies available, you can probably survive by hoarding the rubber bands that bind your newspapers, circulars and mail.  Start a collection now so that by the time your child needs one (if ever), you’ll have multiple sizes available.

Legal Pads

Legal pads may be great for lawyers but they’re not ideal for students, as the perforated pages are prone to detaching from the pad.  Worse, there’s no way to find the page you’re looking for without mercilessly adding post-it notes to denote where each of your recordings are found.

Know of any other back to school money wasters that I’ve forgotten?  Please let me know!

Back to School Sales You CANNOT Miss

August 17th, 2010

Back to school sales often start before the end of the summer semester. But there’s no question that as end of the summer draws near, back to school sales become back to school steals. And if you’ve been holding off on back to school shopping until the last minute, you may be shocked at how little you’ll need to spend to get so many of the requisite back to school supplies. Below I’ll outline all deals that are $1 or less, and I’ll tell you if you can find your desired item cheaper elsewhere. Follow this shopping guide so that you won’t spend a cent more than necessary.

Staples

  • Staples slim-line battery-operated pencil sharpener – FREE after rebate
  • HammerMill CopyPlus Copy Paper (500 count) – 1 cent after rebate
  • Staples 70 sheet 1 subject notebooks – 1 cent each with $5 minimum purchase (limit 6)
  • Staples Photo Plus 4×6 glossy printer paper (60 count) – 1 cent after rebate (limit 2)

A word about Staples’ ‘easy rebate’ system – you can apply for your rebate online within 20 days of purchase. You will receive a check or Visa check card in the mail within 4-6 weeks totaling your credit amount. It is an extremely easy rebate system!

Back to School Sales
50 cents

  • Staples 80 sheet mini composition notebooks (limit 2)
  • Wescott plastic rulers (limit 2)
  • Staples glue sticks, 4 pack (limit 2)
  • Pentel handheld erasers, 3 pack (limit 2)
  • Staples 1 hole punch (limit 2)
  • Slider pencil case  (limit 2)

$1 deals

  • Staples small binder clips, 40 count (limit 2)
  • Staples 3 hole punch (limit 2)
  • 5 pack of Sharpie permanent markers (limit 2 – this is a truly great deal, because last week Sharpie markers were ‘on sale’ at Target and priced at 2/$1)
  • Wescott 5” scissors, 2 pack (limit 2)
  • Quartet EnduraGlide dry-erase markers (4 pack)

Office Depot:

  • Vinyl storage pouch – 5 cents (limit 3)

25 cents

  • Scholastic school glue (limit 5)
  • Scholastic crayons, 24 pack (limit 3)
  • Office Depot wood pencils, 12 pack (limit 3) (buyer beware – Office Max 12 packs of pencils cost only 10 cents)
  • Office Depot 2 pocket poly folders (limit 5)
  • Papermate ball point pens, 36 pack (limit 2)
  • Assorted fashion notebooks
  • Office Depot multi-use paper (500 count) – mail in rebate required
  • Really Useful Boxes .2 and .3 liter boxes
  • Translucent calculators
  • Post-It Shape Notes
  • Fiskars kid scissors
  • Avery self-adhesive reinforcements
  • Wescott shatterproof rulers
  • Office Depot 1 hole punch with padded handles
  • Office Depot mini milk crates
  • 2 pocket fashion folders
  • Swingline Tot Slim staplers
  • Colored binder clips, 12 pack (but if you don’t need multiple colors you can get a 40 pack at Staples for $1)

Office Max:

  • Wooden rulers with metal edge – 5 cents (limit 6)

10 cents

  • Papermate blue or black ball point pens, 10 pack (limit 3)
  • Office Max wood pencils, 12 pack (limit 3)

20 cents

  • Office Max filler paper (100 sheets)
  • Crayola crayons, 24 pack
  • Poly binders – 30 cents

$1 deals

  • Prang fine line markers, 8 pack
  • Schoolio assorted pencil grips and erasers
  • Office Max index cards, 300 count

Rite Aid

  • 29 cents (all products are Harvard Square brand)
  • Erasers, 2 count
  • Eraser caps, 15 count
  • Poly or paper folders
  • 2 oz. glue
  • Glue sticks
  • Facial tissues, 30 count

89 cents

  • A&W plastic school box
  • Harvard Square wood pencils, 20 count
  • Harvard Square colored pencils, 12 pack

Target

50 cents

  • Rose Art watercolors, 8 count
  • Rose Art glue sticks, 2 count
  • Five Star poly portfolios

Free Shipping Deals Going on This Week

August 10th, 2010

It’s back-to-school season, which means that nearly every retailer is interested in snagging you as a customer. Free ShippingTo sweeten the deal, many stores are offering free shipping for orders online.  Although a minimum purchase is usually required, taking advantage of free shipping (and other sales that are going on now) can help you save big.  I happen to love shopping online because it saves on gas and time, and, perhaps most importantly, it prevents me from throwing last-minute items into my cart (except, of course, when I have to purchase a minimum).  Here are some great free shipping deals going on now – it definitely can’t hurt to take a look!

Ae.com (American Eagle Outfitters) – Free shipping on all AE jeans until August 17.

Amazon.com – Free 2-day shipping for students for a year with a free Amazon Prime membership.   No expiry mentioned.

AmericanApparel.com – Free shipping on all orders until August 11, 2010.

BananaRepublic.gap.com – Free shipping on orders $50+.  Use coupon code BRFREE50 at checkout.  Offer good until August 15.

DSW.com – Free shipping on orders of $35+ with coupon code SHIPR.  Free club membership required.  Offer good through September 12.

Gap.com – Free shipping on all purchases over $50 until August 16.

JCPenney.com – Free shipping on orders over $49.  Free shipping on all shoe orders.

Kmart.com – Free shipping on orders $49+ of all mailable clothing, backpacks, jewelry, footwear and office supplies.  All netbooks and laptops ship for $1.99.  Offer good until August 14th.

OfficeMax.com – Free shipping on most orders over $50.

NeimanMarcus.com – Free shipping on all orders until August 16.  Use coupon code NMAUG at checkout.

Sears.com – Free shipping on all apparel, shoes and accessories for orders that are $49+.  Excludes Lands’ End products.  You can also get $10 off your children’s clothing purchase with coupon code 10OFF50KIDS.

Shutterfly.com – Free shipping on orders $30+.  Use code SHIP30 at checkout.  Deal claims to be a limited time offer, although no details are available.

Staples.com – Free delivery on orders over $50.  No expiry noted.  Free shipping to your local Staples store with all phone and online orders.

ToysRus.com – Free shipping (valued up to $25) on orders over $75.  This is a time-sensitive offer although there is no mention of how long it will be available.

VictoriasSecret.com – Buy any full-priced bra and get free shipping on your entire order with coupon code SHOPVSBRA.  Offer good until August 12.

How to Store Produce – Get More for your Money

August 9th, 2010

How to Store ProduceYou may have gotten a great deal on this season’s freshest fruits and vegetables, but if your purchases spoil before you have a chance to eat them, your great finds can quickly become a great waste of money.  Wouldn’t it be great if you could preserve the life of your produce?  Or, at the very least, wouldn’t it be nice if you could know when it was going to spoil so that you could use it before it’s too late?

Below you’ll find a guide for how to store produce that will help you maximize each vegetable and each piece of fruit so that you’ll get the most bang for your buck.  When possible I’ll also offer you tried and true methods for using old produce so that you won’t throw it away the minute it’s overripe.  We may not be able to prevent world hunger by using up more of our purchased produce, but we can surely prevent ourselves from wasting both produce and money.  And if that’s not a peachy idea, I don’t know what is.

Apricots – If you purchase apricots that aren’t yet ripe, let them ripen in a paper bag on the counter for 1-3 days.  Check them regularly.  Once ripe, store apricots in a sealed container in the fridge for up to 1 week.  Soft or mushy apricots can be used in fruit soup, cakes and pies.  You can also mix ripe apricots into homemade applesauce by boiling them with the apples.

Apples – Apples should be stored on the counter for up to 1 week and then placed in the fridge, where they can survive for up to one more week.  Be careful not to store apples in close proximity to other produce as the gases emitted by apples can cause other produce to ripen faster than normal.  Use soft apples in apple pie, apple sauce, apple cake or compote.

Artichokes – These flowery vegetables are best stored in the refrigerator for up to 2 weeks.

Arugula – Wash arugula in cold water and let it dry on paper towels.  Wrap the clean, dry leaves in cling wrap or a tightly sealed plastic bag.  Arugula is best if used within 2-3 days after washing.

Asparagus – If possible, store asparagus upright in the fridge.  Keep the stems wet either in water or with a damp paper towel wrapped around the base of the bunch.  Asparagus should last in its fresh form for 3-5 days when stored this way.  If your asparagus is turning brown, cook it immediately.  Cooked asparagus can last another 2-3 days in the fridge.

Avocados – Unripe avocados should be left to ripen on the counter.  For quicker ripening, leave your avocados in a paper bag.  Once ripe, avocados can be stored in the fridge for 5-7 days.  If you haven’t used your avocados before they start to get mushy, make a quick guacamole and freeze it for later use.  Frozen guacamole should contain lemon juice (to slow the oxidation process) and should be sealed in an air-tight container.

Banana – Bananas should be stored on the counter.  Once they begin to turn brown you can extend their life by placing in the fridge for another day or two.  The chill will hasten the browning process but the fruit inside should remain firm.  Most people don’t know that overripe bananas can be frozen.  Just put the bananas directly in the freezer for 1-3 months.  They will be mushy when you defrost them but can still be used in banana cake, muffins or bread.

Beets – Wrap beets tightly in plastic before refrigerating them.  They should last at least 7-10 days.  Many beets last even longer.  When they are starting to wilt, cook them immediately and you’ll prolong the life of your beets for another 5-7 days.

Blackberries – Store blackberries in the refrigerator for 2-3 days.  There is no way to preserve the life of these delicate fruits so plan to eat them immediately after purchase.

Blueberries – Blueberries can last in the fridge for 3-5 days.  Store them in an open, airy container before they’ve been washed.  Wet blueberries will spoil quickly.

Broccoli – Fresh broccoli should be stored in the refrigerator in a plastic bag.  It should last for 3-5 days. You can also freeze broccoli for up to 10 months.  Prepare the broccoli by steaming it for 5 minutes.  Let it cool completely.  It will last in the freezer for up to 10 months.

Cabbage – Rumor has it that cabbages can last for months in a cool, moist place…but I don’t have a cellar in which to experiment.  If you’re stuck storing your cabbage under normal conditions, place it in the refrigerator where it should last for 2-3 weeks.  Pre-shredded cabbage won’t last longer than a week so make sure to eat it quickly.  Make sure that your cabbage isn’t placed near the fan of the fridge where it can freeze quickly.

Carrots – Carrots can last for up to a month in the fridge.  If your carrots begin to wilt before you’ve eaten them, peel them and use them in carrot cake or carrot bread which can be frozen for up to 6 months.

Cauliflower – Store cauliflower stem side down in a plastic bag placed.  Refrigerate for up to 5 days.

Celery – Celery should be stored in the fridge, preferably in a loose plastic bag.  It should last for 1-2 weeks.

Cherries – For best results, store dry cherries in a wide-mouthed bowl in the fridge.  Cover the bowl with a light towel or paper towel for extra protection.  Cherries stored this way should survive for 2-4 days.  Slightly mushy cherries can be used in compote, fruit soup or cherry pie.

Coconut (fresh) – Whole coconuts can be stored on the counter for about a month.  Cut coconut should be refrigerated where it will probably last about 5 days.

Corn – Fresh corn should be stored in its husk, in the fridge, for up to 3 days.  Once it’s boiled or grilled corn can last another 5 days in the fridge.

Cucumber – Cucumbers can last up to a week in the crisper section of the refrigerator.  Preserve the life of your cucumbers by pickling them or making cucumber salad with a vinegar base which can last another week or so.

Eggplant – Whole eggplant can survive for at least a week in the refrigerator.  For optimal results keep it in the crisper.

Endives – See arugula (above).

Garlic (fresh) – Store garlic outside of the refrigerator in a cool, dark place that has ample air flow.  Garlic stored in this way should last for 1-2 months.  If you wish to store fresh garlic in the refrigerator, peel the cloves and place them in a glass jar.  Pour olive oil on the garlic so that the cloves are fully covered.  Garlic stored in the fridge in this way should last for at least 3 months.

Grapefruit – Store grapefruits on the counter for up to two weeks without packaging.  You can also store grapefruits in the fridge in the vegetable drawer for a similar shelf life.

Grapes – Grapes should be stored in the refrigerator for up to one week.  They should be entirely dry and placed in a plastic bag for storage.  Try to remove all spoiled grapes before placing the remainder in the fridge.  Grapes should remain fresh and crisp for about a week when stored in this way.

Kiwis – Refrigerated kiwis should last for about 1-2 weeks.  Unripe kiwis should be ripened in a brown bag before being placed in the refrigerator.

Lettuce – Lettuce should ideally be stored unwashed in the refrigerator’s crisper.  If you must prewash your lettuce, make sure to drain it thoroughly and wrap in a paper towel before refrigerating.  Keep lettuce far away from apples and pears which may cause it to wilt faster.

Mango – Unripe mangoes should be stored in pairs in a brown paper bag.  When ripe, mangoes should be stored in the refrigerator for 3-5 days.

Melon (cantaloupe, honeydew) – Although most people store melons on the counter because they take up space, they should actually be stored in the refrigerator.  While they don’t spoil quickly, melons lose their sweetness the longer they’ve been cut.  If you really have no room in the fridge, store your melons in a cool, humid place.  They should last for 5-7 days outside the fridge.

Mushrooms – Mushrooms can last in the fridge from 3-5 days when stored properly.  Keep them covered with a wet paper towel or stored in a paper bag, as dark, cool places will prolong the life of your mushrooms.

Nectarines – Fully ripe nectarines should be stored in a plastic bag in the fridge, where they can remain fresh for at least 5 days.  Unripe nectarines can be ripened in a paper bag for 1-2 days.  Overripe nectarines can be used in compote, applesauce or fruit soup.

Onions – Instead of refrigerating your onions (as many people do), store yours in a pantry or vegetable drawer, where they will remain fresh for at least 3-4 weeks.  (You may want to line the drawer or pantry to contain the mess of shedding onion skins.)

Oranges – See grapefruits (above).

Peach – See nectarines (above).

Pear – Unripe pears should be stored on the counter in a bowl.  You can hasten the ripening process by keeping your pears near apples or bananas.  Once ripe, place pears in the fridge where they will last for about 5 more days.

Pepper (bell, chili) – Refrigerate peppers immediately to preserve them for 5-7 days.

Plums – Ripen plums in a paper bag for about 2 days.  When ripe, keep plums on the counter (in a bowl) for another 3-4 days.  Overripe plums can be used in fruit soup or fruit compote.

Potatoes – See onions (above).

Radish – Refrigerate dry radishes and they should last 10-14 days.

Rhubarb – Fresh rhubarb should be stored in the refrigerator in a plastic bag.  It will last about 5 days.  You can also freeze fresh rhubarb for up to a year.  Cut the rhubarb into small chunks and place in an airtight plastic bag before freezing.

Scallions – For best results, wrap scallions in a wet paper towel and place them in the crisper of the refrigerator.  They should remain fresh for about a week.

Sprouts – Keep sprouts in their original container in the refrigerator before using.  They should last 2-3 days.  Once the container is open, make sure all the sprouts are dry before refrigerating.

Squash – Refrigerate summer squash in a plastic bag for about 5 days.

Strawberries – Store strawberries in the refrigerator in their original packaging.  Make sure they are completely dry and remove all mushy or rotten berries before refrigerating.  Strawberries should last for about 3 days when stored this way.  You can also freeze strawberries for later use.  Wash them quickly in water and place them on a cookie sheet to freeze.  When frozen, transfer strawberries to a plastic bag.  They will last for up to one year in the freezer.

Sweet potatoes – Sweet potatoes should be stored in a cool, dark pantry.  They will last for up to a month.  In most cases, mushy or brown spots can be removed from sweet potatoes so that the rest can still be salvaged and enjoyed.

Tomatoes – Ripen tomatoes on the counter in the sun.  When ripe, refrigerate for another 3-5 days.

Watermelon – Store watermelon on the counter for up to two weeks.  Cut watermelon will remain fresh in the fridge for about 3 days.

Zucchini – Zucchini should be stored in the crisper drawer of the refrigerator where they will last for up to two weeks.  Slightly soft zucchinis can be peeled and used in zucchini bread, soup or casseroles.

A Tax Holiday is Coming Your Way!

August 5th, 2010

Let’s face it – we spend lots of money in the summer because (1) the days are longer (which means more time toTax Holidayhit the stores), (2) the kids are out of school (and begging for stuff), and (3) school is just around the corner (which means that you’ll have dozens of things on your back-to-school list).  With all this spending going on, it’s such a relief to have a tax holiday, and fortunately there are many of these bonanzas going on in August. Check the list below to see if your state is among the lucky ones.  If so, make sure to head to the stores during the sales tax holiday to save big.  Pair your tax holiday with coupons and in-stores sales for extra savings.  Be aware that not all items are exempt from sales tax (even during the tax holiday) and that local sales tax may still be applicable.  Still, the savings can be big – so enjoy your tax-free shopping!

State Tax Holiday Dates Applies To
Alabama August 6-8 All clothing up to $100 per item, computers priced up to $750 and school supplies priced up to $50 per item among other items.
Connecticut August 15-21 Clothing and footwear costing less than $300 per item.
Florida August 13-15 All clothing priced under $50 per item and all school supplies priced under $10 per item.
Illinois August 6-15 Clothing, footwear and school supplies priced up to $100 per item.
Iowa August 6-7 Clothing priced up to $100 per item.
Louisiana August 6-7 All purchases of tangible items costing under $2,500 with the exception of cars and restaurant purchases.
Maryland August 8-14 Clothing and footwear costing up to $100 per item.
Massachusetts August 14-15 Most items costing under $2,500.
New Mexico August 6-8 Clothing and footwear priced up to $100 per item, computers priced up to $1000, computer software priced up to $500 and school supplies priced up to $15 per unit.
North Carolina August 6-8 Clothing and footwear priced up to $100 per item, computers priced up to $3,500, computer software priced up to $250, sports equipment priced up to $50 per unit and school supplies priced up to $100 per unit.
Oklahoma August 6-8 Clothing priced up to $100 per item.
South Carolina August 6-8 Most clothing, footwear, school supplies, computers and baby items.  Some house wares are also included in the tax holiday.
Tennessee August 6-8 Clothing and school supplies priced up to $100 per item and computers priced up to $1,500.
Texas August 20-22 Clothing, footwear, school supplies and backpacks priced up to $100.  All accessories will be taxed.
Virginia August 6-8 Clothing and footwear priced up to $100 per item and school supplies priced up to $20 per item.


To Freeze or Not to Freeze? Food for Thought

August 2nd, 2010

I don’t know about you, but at times I purchase food I think I’ll love, only to find it relegated to the back of the fridge, the corner of the pantry or to a long-forgotten shelf in the freezer.  This trend of neglect is not only terrible because it wastes food, but it wastes money as well, as I’ve spent money on food that will meet its end in the trash, when it should be in my stomach.   What’s worse is that I’m not alone – a 2009 study proved that Americans throw out nearly 40% of all domestically produced food – double the amount that was wasted in 1974.How to store food

I won’t shock you with details such as how if we saved even 25% of today’s wasted food we could feed 20 million people a day.  Instead, I’d like to share with you some tips and tricks for how to store food and how to freeze food that is commonly wasted so that more ends up on our plates and less ends up in the local landfill.  I’ll dedicate this post to non-produce items and next week we’ll focus on fruits and vegetables.

How to Store Dairy Products in the Refrigerator:

  • Dairy should be stored in its original packaging whenever possible.
  • Once a package of cheese is opened, the cheese should be stored in wax paper or loose plastic.
  • Once removed from their original packaging, soft dairy products such as cottage cheese or yogurt should be wrapped tightly with plastic wrap.

How to Store Dairy Products in the Freezer:

  • Hard cheeses can be frozen in their original packaging for up to 6 months.
  • Processed cheeses will endure beautifully in the freezer for up to 3 months.
  • Butter can be frozen for up to 9 months.
  • Milk can be frozen for up to a month.  Be aware that the carton will expand during the freezing process and may explode if there isn’t sufficient room for expansion.  Milk frozen for longer than 1 month may begin to separate.

How to Store Meat and Fish in the Refrigerator:

  • Raw meat, chicken and fish should be kept in its original packaging until you’re ready to cook it.  Opening the packaging increases the risk of disease-causing bacteria latching onto your food.
  • Meat should be stored on the bottom shelf of the refrigerator so that its juices don’t drip onto other foods.
  • Meat should ideally be stored at below 35 degrees Fahrenheit.
  • Raw meat, fish and chicken should be used within 1-2 days of entering the fridge.
  • Cured meats can remain in the refrigerator for up to 60 days.

How to Store Meat and Fish in the Freezer:

  • Items that are wrapped tightly should last a long while in the freezer.  Plan your future menus around these guidelines:
  • Type of Meat Freezer Life
    Beef (including ground beef) 6 months
    Cold Cuts 2 months
    Fish 6 months
    Lamb (including ground lamb) 6 months
    Pork (including ground pork) 4 months
    Poultry (including ground poultry) 4 months
    Sausages 2 months
  • Label all meat products with the date before freezing them so that you’ll be reminded to eat them on time.
  • Prepared meat, poultry and fish can be frozen for up to 3 months.  When possible, freeze meat in liquid to retain its flavor and moisture.
  • Prepared meat should be sealed tightly and all air should be removed from the container when possible to preserve the flavor of the food.

How to Store Grains (outside of the freezer):

  • Storing bread in the refrigerator prevents molding but promotes staling.  If possible, store your bread on the counter or in a bread box and use it within 3-5 days.
  • Muffins, cupcakes, pancakes and waffles can all be stored in the refrigerator for 3-5 days.
  • Cooked pasta can last in the fridge for up to 7 days.  It should be stored in a tightly sealed plastic bag or Tupperware.
  • Cooked rice can survive in the refrigerator for 2-3 days.  After this time it will probably begin to get hard.  Rice in sauce may last up to 4 days.
  • Cakes should be stored on the counter in a cake saver or tightly wrapped in their original packaging.  When sealed properly, homemade cakes can last for up to 7 days, and purchased baked goods may last up to 2 weeks.

How to Store Grains in the Freezer:

  • Make sure to cool all grains before freezing them.
  • Breads should be wrapped in plastic and then in aluminum foil before freezing.  Food prepared in this should last up to 2 months in the freezer.
  • Muffins, cupcakes, pancakes and waffles can be frozen for up to 3 months when wrapped tightly in plastic.
  • Cooked pasta and rice should be sealed in an airtight container or plastic bag.  If sealed properly it should last in the freezer for up to 3 months.
  • Unfrosted cakes can be wrapped tightly in wax paper and tin foil and frozen for up to 3 months.  Many types of frosting can be frozen separately.
  • Cakes with fruit should not be frozen as they will be soggy when defrosted.

I hope that these guidelines help you to freeze food and store food properly so that you will waste less and enjoy more.  Got any other ways to store food?  Please share by leaving a comment below!

5 Mom Blogs to Help You Save Money

July 29th, 2010

5 Mom Blogs to Help You Save Money

If you’re like most mothers I know, you probably have no time for a bathroom break, let alone time to surf the net.  But there are some remarkable mommies out there who have taken time out of their busy lives to provide a service to busy moms like you, by writing mom blogs that can simplify your trips to the grocery store while saving you money.  The authors below are not only surviving motherhood, but they’re thriving – and inviting you along on the journey so that you can also succeed on a new level.  Below is a list of five mom blogs that Ihighly recommend, the reasons why I love them, and a shout out to the fantastic women who take the time to write them.

Consumer Queen

Consumer Queen BlogI love this mom blog because…Over the years I’ve encountered a few money saving blogs that offer a coupon database, but few work as well as the one found on Consumer Queen.  If you have a few spare moments when you’re done finding great coupons you can also check out author Melissa’s hysterical videos which offer interesting ideas and a chuckle at the end of a long day.

Coupon Geek

Coupon Geek BlogI love this mom blog because…There are dozens (hundreds?) of coupon blogs out there but none offer comprehensive store roundups like Coupon Geek mom blogger Jaycie does.  Coupon Geek and her partners explain weekly deals available in most large chain stores and offer ideas for how to pair deals with coupons (she even tells you where to find the coupons!) for maximum savings.  When possible, Coupon Geek also tells you the final price that you can expect to pay so that there are no surprises at the register

Freebies4Mom

Freebies 4 moms BlogI love this mom blog because…Not only does Freebies4Mom have coupons and deals, which are common both in mom blogs and regular coupon blogs, but it has an entire section dedicated to sweepstakes that give away lots of prizes.  While you may be too busy to enter a sweepstakes that is giving away a single grand prize, it’s always worthwhile to enter a sweepstakes that is giving away dozens of prizes daily – and mommy blogger Heather Hernandez has a knack for identifying these ‘winnable’ sweepstakes.  I haven’t won any yet, but I have gotten dozens of coupons as a courtesy for playing, which, in itself, is a notable benefit.

Bargain Briana

Bargain BrianaI love this mom blog because…Bargain Briana offers cheap and easy recipes in addition to standard savings suggestions.  I may not be feeding a large family, but I find it hard to find easy, healthy and affordable recipes just for myself.  Briana takes the thinking out of making dinner by offering recipes that are entirely achievable and extremely affordable.  With a full-time job, four young children and a popular mommy blog, Briana has no room for dinner disasters – and sure enough, I’ve found her recipes to be completely dependable.

Mashup Mom

Mashup Mom BlogI love this mom blog because…Many mommy blogs that focus on savings are helpful for the grownup part of mommy life, but few really address the needs of the child like Mashup Mom does.  Mommy blogger Rachel offers savings, steals and coupons for kid-friendly products including food, clothing and toys.  Other mom blogs may offer kid-centric products mixed in with their regular deals, but for Mashup Mom, the most prominently featured deals are almost always about things that are good for kids (or moms).  I’m sure I don’t need to explain why this is a great thing.

Do you recommend any other money saving mommy blogs that you don’t see on this list?

7 Terrible Financial Mistakes – and How to Undo Them

July 26th, 2010

12 financial mistakes to avoid

As a child I learned that most mistakes, when caught and resolved early enough, are rarely serious.  But what happens if you aren’t aware of a mistake being made?  What if you continue to err repeatedly, causing greater and greater damage without even knowing about it?    This is the problem for many people who make unfortunate financial mistakes without realizing the full effects of their actions.  Below are 7 financial mistakes that should be avoided at all costs – and ways to correct them before it’s too late.

Skimping on insurance
1. Skimping on insurance.  Many people think that minimizing their insurance (or avoiding insurance entirely) is a great way to save money.  After all, what are the chances that your house will actually burn down?  And what are the chances that the tree in your front yard will crash down on the car?  It’s true that the chances may be slim, but it only takes one act of nature or horrible accident for you to realize the benefits of insurance – but when you’re slapped with crushing expenses resulting from an accident, it’s already too late.  Spare yourself this sorrow by investing a few dollars a month into proper insurance plans (homeowners insurance, health insurance and car insurance for starters).  It may seem like a lot now, but it’ll seem like peanuts compared to the costs you may face in the future.

credit card debt2. Running up credit card debt.  Spending money on your credit card seems so easy, but for some reason paying it back is never quite as simple.  Thousands of consumers each year find themselves buried in credit card debt, even if they’ve paid their minimum payments, because their spending continues to outpace their repayment.  And, while you may be enjoying your new pair of shoes, the ramifications from this splurge can have deleterious effects on your long-term credit score – and your ability to find a job.  If you are unable to pay off your credit card debt your file will likely be turned over to a collections agency, a move which will ruin your credit history and will likely prevent you from purchasing a house, receiving other credit cards or receiving a loan.  New studies also indicate that employers have now begun to look at the credit scores of potential applicants before hiring new workers.  Consequently, running up credit card debt can actually prevent you from getting the job you need to repay this debt.  The first step towards eradicating your credit card debt is to stop using your credit card entirely so you won’t continue contributing to the problem.  Once this is done, contact your credit card company and see if you can negotiate a deal with them.  Pay it off in installments until the damage has been undone – and pay attention to each purchase from now on so that you won’t purchase things you can’t truly pay for.

Keeping up with the Joneses3. Keeping up with the Joneses. At first glance, buying a new car, a designer sweater or season’s tickets to the local basketball team don’t seem like bad ideas – until you realize that you can’t afford the mortgage, doctor’s co-pays or groceries.  The best way to avoid this financial pitfall is to simply ignore what gadgets, fashions and vacations your friends are purchasing so that you don’t feel any pressure to conform.  But if you absolutely must stay up-to-date on the latest trends, consider surrendering other luxuries or purchasing knock offs so that you won’t overspend on items that will soon be passé.

buying real estate4. Rushing into real estate for investment purposes. Making poor investments in real estate is a financial mistake of many eager young couples, aggressive investors and people who are generally optimistic.  The primary problems with this strategy are twofold. Firstly, your money will not be accessible in the event of an emergency as you’ll need to sell your property in order to have the cash, a proposition which may be time-consuming or ill-advised depending on the market at any given time.  Secondly, there are no guarantees that real estate prices will rise or that you’ll be able to make a profit on a ‘great’ investment.  High taxes, closing costs and attorneys fees don’t help too much either.  If you’re truly wedded to the idea of investing in real estate consider going in on a group investment backed by reliable investors and leaving some of your money aside for other investments.

Failure to create a budget5. Failure to create a budget.  Many people consider budgeting extraneous, but practically speaking, not creating a budget is one of the worst financial mistakes that you can make.  A budget serves several critical purposes including ensuring that you spend within your means (at least most of the time) and allowing you to notice where you’re overspending so that you can reduce these expenses and have more money for your savings.  In short, a budget is the key to your family’s overall financial health, and it is an element that should not be overlooked.  For templates that can help you create a budget quickly, click here.

Long term goals6. Lack of tangible long term goals.  If budgeting is what will control your spending today, long term goals are what will control your savings for the future.  For many young professionals, long term goals seem excessive.  After all, why save for retirement at the start of your career when you can save later as your salary increases?  This faulty logic, however, is one of the worst financial mistakes you can make.  After all, if you don’t become accustomed to saving money from the start of your career you’ll have a very hard time putting money aside later, when you have a mortgage, more mouths to feed and childcare expenses (among other things).  The best way to undo this financial blunder is to rethink your approach to retirement or to sit down with a financial planner who can explain to you the benefits of creating long term goals.  Even if you’re not as young as you once were, it’s not too late to start saving.

Quit Smoking7. Smoking.  Health risks aside, smoking is responsible for significant financial loss on an annual basis.  The most obvious financial downside of smoking is the cost of cigarettes which can cost up to $1500/year.  And yet, the hidden costs of smoking combined with the cost of the cigarettes are what truly make this habit one of the worst financial mistakes.  Smokers tend to pay more for health insurance and healthcare related costs than their non-smoking counterparts do.  Likewise, damage to teeth caused by smoking often requires smokers to shell out more for dental treatments.  Oftentimes homeowners insurance will cost more for smokers as the risk of fire is greater.  And, of course, a smoke-filled home won’t smell as clean as a smoke-free environment which means that if you plan on selling your home you can expect to get less than a non-smoking neighbor might get for a similar property.  The obvious solution to this financial mistake is to stop smoking.  If this is not a realistic goal, however, you may want to consider cutting back and smoking only outside the home so that you’ll minimize the risk of damage to your body and to your home.  This plan may also mean fewer cigarettes a day which will save you a few dollars each month as well.