How To Save Money When Doing Laundry

save money when doing laundry

Laundry is a chore that all of us have to do and not everyone loves to do it. It can add up in costs when it comes to electricity and water. Plus lets not forget the price of laundry detergent and bounce sheets.

Here are some great tips on how you can save money when doing laundry.

Tip #1

Continue reading “How To Save Money When Doing Laundry”

Swago Pie Fest

Strawberry, Pumpkin, Apple, Boysenberry, the list goes on! Craving pie? It’s time for SWAGO: Pie Fest!

swago-pie-fest

What is SWAGO you ask?

It’s a bingo-inspired promotion run by Swagbucks, a website that rewards you with points (called SB) for completing everyday online activities. You can redeem those SB for free gift cards. I

f you’ve never used Swagbucks, participating in SWAGO is a great introduction to the site.  Here’s what you need to know to get your 300 SB Bonus:

  • Swago: Pie Fest will begin on Monday, September 19th at 12pm PDT/3pm EDT, make sure you hit “Join” otherwise you won’t get credit for completing the action items. Each square on your Swago Board will contain an action item to complete.
  • Once you complete the action item in a particular square the square will change color signifying the action item is complete.
  • You have a limited amount of time to mark off as many squares as possible so use your time wisely.
  • Be mindful of the patterns and their corresponding bonuses located on the right of your Swago Board. The patterns will vary in difficulty and bonus value.
  • Once you’ve achieved a pattern the corresponding “Submit” button will light up. You can have multiple patterns available for submission, however, you can only submit ONE pattern so choose wisely.
  • The game ends Monday, September 26th at 12pm PDT/3pm EDT. So make sure to hit “Submit” on the pattern you wish to submit. If you don’t hit “Submit” before the game ends you won’t receive your SB bonus.

Click Here to sign up for Swago: Pie Fest

Frugal Valentine's Day Ideas!

 

With Valentine’s Day around the corner, many are thinking about how to spend the day with their special someone! 

Doing so doesn’t mean spending a lot.

Here are some frugal ways to enjoy the day!

heart3

  1. Make a coupon booklet up for your special someone. Add your hearts desire into the book. (Date night, night off from cooking, foot rub, etc) Just a fun booklet for your special someone to be able to use those coupons when they wish throughout the year.  Click HERE to use the free template!

  2. Instead of going out, eat dinner in! Make supper together or surprise your special someone with a romantic dinner by candle light.

  3. If you have Netflix, pick a movie and enjoy it with some snacks.

  4. Give is a college of photos of your life together. If you have saved any items from the past like ticket stubs or brochures from trips, include them as well!

  5. Stick love notes in areas your special someone will look in the morning. (sock drawer, bathroom mirror, coffee maker) Brighten their morning with notes about why you love them.

  6. If you have a firepit in your backyard,  pour yourselves each a drink and sit out under the stars at night with a blanket and enjoy a fire. You can sit and talk and share some laughs.

  7. If you are spending the day with your children, you can spend the day doing Valentine’s Day crafts and make Heart Shaped meals. (heart shaped mini pizzas, salads with heart shaped boiled eggs, pancakes with hearts made from strawberries) and end the day with a kid-friendly movie on Netflix or from your own collection of movies.

 

There are lots of ways to enjoy the day!

Let your imagination run wild and share the day with your loved ones!

A Guide To How Your Friends Can Help With Online Purchases!

 

 

shop wtih friendsA Guide On How Your Family Can Help You With Your Purchases! Save Money On Online Shopping!

Want to shop for Free or with even Larger Discounts! Check this out and start sharing your links with Family & Friends!

 

Ebates also has a referral program.

If you refer any family or friends to Ebates via your special link; when they make their first purchase of $25 or more you will receive a one time credit as a Thank you for referring them! The credit varies from $5 to $10 (Depending on the promotion they have on at the time) That credit will be applied to your Ebates balance and be payable to you on the next Ebates pay date! Right now they have a $10 Promotion on!!! Register at Ebates if your not a member (you don’t need to buy things to promote it & make cash on it!! Click Refer Friends on the left and get your link it will look like this! http://www.ebates.ca/referrer?referrerid=Sb0NHB7oyJU%3D

FYI** Be very careful with hitting the Tweet, Share on Facebook or Email as your Referral Link is not always included!! You don’t want to lose money!

 

Shop.ca has a 3 fold program to Earn Cash Back!

  1. Earn $25 for each family or friend who joins via your link and makes a purchase of $75 or more!
  2. Earn up to 5% Cash back on all purchase you make
  3. Earn 1%  for sharing great deals & if anyone buys that deal you earn 1%  deposited directly into your Shop.ca account!
November 27, 2013 Order Number:839100  –  Rewards Earned on Order 2.5% 0.59
November 27, 2013 Order Number:839100  –  Rewards Used on Order 2.5% 80.07
November 27, 2013 Order Number:836985  –  Product sharing bonus 0.01
November 27, 2013 Order Number:836985  –  Product sharing bonus 1.00
November 27, 2013 Order Number:836985  –  Referral bonus 25.00

Each product you view you can click Share to share with Friends to earn 1 % Here is an example to buy $100 worth of Petro Canada Cards for cheap with Cash back  http://go.shop.ca/1aWJNSr That is an example of a share link, If you click on it; you should be redirected to the offer! If you purchase it I would earn 1 %

Click the blue button towards the top that says refer friends! You’ll get a link that looks like this
http://www.shop.ca?plcktb=ZwZxXG0FZg2

Did I mention Shop.ca has free shipping! Also tell your friends if they use Ebates when shopping at Shop.ca they can get up to 20% Cash Back!!

Shop.ca also has Areoplan rewards. RIGHT NOW get 15x rewards on your first purchase for every $1 you spend!

 

Wagjag 

Wagjag also rewards you for referring family and friends. Go to the button that says Share and Earn up to a $1000. Then from there your link should look like this: http://vnlink.co/S6575SL If your a Telus customer you can get a $10 Credit EACH month on every $40 purchase!! Click here to see the post . Don’t have Telus but your friend does? Ask them to help you out, you only need to get a text sent to their cell phone and they will get a text with a code, put it in Wagjag and it’s all set up for good! You don’t need to go through this process each month!! :)

 

Groupon

Refer a friend and earn $10 in Groupon Bucks!*

You can earn $10 in Groupon Bucks whenever you refer a friend to Groupon and they buy their first deal. This is what your link would look like to share with Family & Friends  http://www.groupon.com//raf/UserReferral_rp/121015/10r1act/t/uu59474165

 

Refer a friend to Well.ca and get $10 off your next order of $40 or more!

It’s really easy! Just follow these steps:
  1. Create a coupon code for $10 off $40.
  2. Send your newly created coupon code to your friends.
  3. When each new customer redeems your coupon code, you will get a coupon code for $10 off your next order of $40+!

It will look like this! Hey Everyone, Here’s $10 off your order from www.well.ca   Just use promo code:CanadianBasics http://www.well.ca via @welldotca

 

 

Buytopia

Buytopia.ca allows you to gain rewards for referring family and friends! Sign up and then go to Your Vouchers and select Your Credits. The code in there will look something like this http://buytopia.ca/?ref=Do6pI

 

 

There are 6 ways you can earn some money online!

 

 

 

HURRY~ Limited Spots for TD Advisory Panel!! TD Customers Only!

 

 

td

 

TD Advisory Panel gives TD customers the opportunity to voice their opinions on a variety of topics and issues important to TD. By joining the panel you become eligible to receive survey invitations and give your feedback to help improve the customer experience at TD. Get a chance to win $150 Amazon Gift Cards for participation.

CLICK HERE to Join Today!

$5 For ALL Is Back!!!

 

 

 

swagbuck

$5 for ALL is back! (For Canada & U.S)

If you haven’t signed up for Swagbucks yet, now’s your chance. Among the many ways to get gift cards by earning Swag Bucks, you can also earn Swag Bucks for every dollar you spend shopping online via Swagbucks Shop & Earn — which comes in especially handy during this back to school time when you’re buying supplies and clothes for the new year. Shopping online via Swagbucks gives you access to all the major online retailers and big box stores, including Target, Walmart, Staples, Amazon, and more (stores vary for members in Canada & UK)!

The good news doesn’t stop there because here’s an even bigger reason to earn Swag Bucks while shopping online: a bonus 500 SB (a $5 value in addition to your earnings)! Here’s how to get your $5 bonus: If you sign up for Swagbucks through my link here anytime between August 6th – September 6th, and make a purchase of $25 or more via Swagbucks Shop & Earn, you will get a 500 SB Bonus! That’s enough for a $5 gift card, in addition to all the Swag Bucks you earn from your online shopping purchase.

Please note that you bonus will be credited only after your Shop & Earn Swag Bucks are credited, which can be up to 35 days after the date of purchase. Also please note that this special bonus is only available for new SB members who sign up through my link.

To get started, all you have to do is sign up through me here, and start shopping with Swagbucks Shop & Earn. Not only will your summer or back to school shopping be hassle-free (think: no long lines at checkout, no tired feet from shuffling from store to store, the perks go on & on), but you’ll also earn SB for every dollar PLUS a $5 bonus to go towards gift cards. For official rules, see below:

 

Receive 500 Swag Bucks (approximate retail value $5 USD) (“Credit”) when you sign up
for a Swagbucks.com account via an applicable referral link and make a purchase
of $25 USD or more through the Swagbucks.com Shop & Earn webpage between 12:01
AM PST on August 6, 2014 and 11:59 PM PST on September 6, 2014 (a “Qualifying
Purchase”). Offer valid for new Swagbucks.com accounts only. Credit will be
issued to your Swagbucks.com account within thirty-five (35) days of your
Qualifying Purchase. Limit ONE (1) Credit per person. This offer may not be
transferred; cannot be redeemed for cash; and cannot be combined with other
offers. Prodege, LLC reserves the right
to add, modify, or discontinue this offer at any time, for any reason or no
reason, with or without notice. Valid only in U.S., Canada and the U.K. Void
where prohibited. Subject to the Swagbucks.com Terms of Use and Privacy Policy
found at http://www.swagbucks.com/g/terms and http://www.swagbucks.com/g/privacy, respectively.

Save Yourself Some Money Using These Simple Ideas!

canadian-money

Let’s keep this one simple and clean – just a bunch of relatively easy ways to save money. As you incorporate more and more of these tips into your life, the savings add up and it wouldn’t surprise me if you could save thousands over the course of a year.

It will take a little work on your part but those thousands of dollars in savings are what helped us get out of debt earlier, kept us out of debt for several years and will hopefully help us pay off our recent auto loan soon as well.

Cook at home often: If both the husband and wife work, this is likely to be very difficult. Start out with the habit of cooking at home once a week and slowly increase the frequency until you find a balance between saving money and getting stressed out.

Make your own coffee: Everyone seems to have heard of the latte factor. Even though the author may have overestimated the savings from skipping a latte at Starbucks, don’t underestimate the ding it puts in your pocket in the long run. You don’t have to entirely ban drinking coffee, but skip it as often as possible unless you make it at home.

Brown bag lunch at least a few days a week: Lunch times are great opportunities to network and make connections that could improve your career growth. So unless there is a common eating area for brown baggers, you may choose to limit brown bagging lunch to three days each week. Find a balance between saving some money and making the connection. In my case, I take my lunch with me 2-3 times a week and eat out the rest of the time.

Make a list before going shopping: They call it impulse buying for a reason. Humans simply have a very tough time resisting the temptation to purchase extras while shopping. Without a list you will buy items that you simply do not need. Even worse is when your forget to purchase the actual item you came to the store for in the first place. If you plan on cooking at home, pre-plan a rough menu and make a list before you go grocery shopping. Getting all that you need in one trip can help avoid another unnecessary trip and temptation.

Go grocery shopping while you are in a hurry: Maybe you need to go out in a couple of hours. Or your favorite show is going to be on TV after a couple of hours. Try to squeeze in the grocery trip in that intermediate time. Armed with your grocery list, you should be in-and-out very quickly with little time for meandering and getting tempted to buy things you don’t need.

Watch out for expiration dates on perishable goods: This one seems intuitive when you read it, but I am surprised at how many people do not pay attention to expiry dates. No point getting a gallon of milk if it is going to turn sour with a couple of days. Same goes for meat, eggs, yogurt, spreads, frozen items, deli/bakery items etc. Some people say you can use a few items a few days after expiry – but I personally value my health more than money and would rather avoid buying such items in the first place.

Buy in bulk whenever possible: When it comes to non-perishable items, buy in bulk whenever you find something on sale. The items I usually stock up on are, cereals, tinned goods, rice, beans, pasta, coke, toothpaste, body wash, shampoo, toilet paper etc. For such items, shopping at warehouse stores like Costco, Sam’s Club etc can save you quite a bit of money, provided you stick strictly to your shopping list when you shop at these places.

Buy generic products whenever possible: Does it really matter whether your cereal is made by Kellogg’s or is the store brand? Does it matter if your milk is Oak Farms or the store brand? For a few things (like soda in particular), I prefer brand name products. For others, I do not mind generic store brands if they can save me money. Find what works for you and switch to generic brands for at least a part of your grocery list.

Use grocery store bags to line trash cans: This may not work if you use a massive trash can but we use a small sized one for which the grocery bags are a perfect fit. This not only helps us save some money, but reduces our environmental foot print and avoids the kitchen from stinking from a huge overflowing trash can.

Consolidate and pay off debt as soon as possible: If you carry any debt, focus on consolidating it to a lower interest and paying it off as soon as possible. Money paid in interest is money thrown away! Why spend your hard-earned cash to make the financial institutions rich?

Pay your bills on time and avoid late fees: Get organized about your regular bills. If possible, automate the payments. Most utilities and other recurring bills can be set to be charged to a credit card or deducted from a checking account these days. Also, many banks offer free bill pay programs. So there really is no excuse for forgetting to pay a bill on time and forking out the late fees. Say, by chance you do forget a bill, if you are a first time offender, call the company and request politely to waive the late fees, and more likely than not, they will oblige.

Be aware of your bank balance and avoid over draft fees: If you use your checking account often or have some bills that are paid automatically from your checking account, be aware of the balance and avoid overdraft fees.

Avoid ATM fees: Be aware of the ATM withdrawal fees charged by your bank. While some banks waive fees for all ATM transactions on any ATM machine, most don’t. So be sure to use only those ATM machines where your bank will not charge the fees, or withdraw directly at your bank.

Avoid credit cards with annual fee: Credit cards with their cash back bonuses and reward points are a great way to save some money. Just make sure that the card does not charge you any annual fees! There is no dearth of cards that offer fee-free reward plans, so there really is no reason to pay the annual fees.

Disconnect land line if possible: Unless you have small kids in the house or older people to take care of, it is more than likely that you will be able to survive with only the mobile phones and can get rid of the land line. We have survived without any problems for over 4 years now with out a land line. Our Internet comes via cable.

Instead of buying books, borrow books from the library: Whenever possible, borrow your books instead of buying them. The card to your public library is free and the libraries are generally well stocked. In my city, the chain of public libraries is connected and the available books can be checked online. If there is some book that I cannot find in my local branch, I can make a request online for it to be brought in from one of the other branches to mine which is very convenient.

If you have to buy books, check if you can buy it used: Used books do not quite give the same feeling as leafing through the crisp pages of a brand new book. But considering that you can get used books for almost as much as half the price of a new book, it is a small price to pay. My favorite place to buy used books is a local chain called “Half Price Book Store”. Check if you have something similar in your city. For text books, look online on bulletin boards, mailing lists etc, and price compare on websites like addall.com.

Price check before buying anything expensive: For other items that are expensive, do a price check before buying the item. If you can wait for a while you can track the prices and grab a great deal when it comes along. Frequently available online coupons make it even more easy to save some money. This is especially true while purchasing any electronics.

Avoid impulse buying: Make it a habit to avoid impulse buying. Many of the things you want to buy do not seem all that necessary, if you only you wait for a day or two. Also, waiting means you will be able to check prices and make an informed decision to buy it at the best possible price.

Bottle your own waterDrinking water is good for your health. I always make it a habit to keep some at my desk at all times. Bottled water is the most convenient since it can provide protection against accidental spills. That said, buy bottled water only once in a while, and then reuse that bottle to fill your own water. If you are not happy with tap water, invest in a Brita Filter – in the long run it can save a lot of money.

Avoid the vending machines: Almost everything that is dispensed via vending machines has a huge markup (and is rarely healthy). However, if you suffer from snack attacks at work, consider creating a secret stash of snacks. If you like drinking soda and have a fridge at the workplace, save a refrigerator pack in the fridge with a post-it with your name on it. If you have a long commute, consider a stash for the car as well and avoid a quick drive-thru visit.

Keep your car as long as possible: When possible, try to keep your car as long as possible. Find the balance between the money spent on repairs versus the monthly installment on another vehicle and choose to run your old car as long as the repair costs are low.

Do regular scheduled maintenance on your vehicles: Do not skimp on or forget to do regular oil changes. Remember to check the air in your tires often. And use the grade of fuel that the owner’s manual recommends. These small acts can significantly lengthen the life of your car, giving you years of use.

Avoid buying a new car: When you eventually buy a car, see if you can make do with a pre-owned vehicle. A new car depreciates significantly the moment you drive it out the dealership. Is the new car small really worth thousands of dollars? Pre-owned cars that are only a few years old with low mileage are the best bargains. Regardless of the purchase, learn to negotiate with car dealers.

Ride your bike or carpool whenever possible: In many of the cities in the US it is hard to get by without a car. That said, just because you have a car does not mean you have to use it every day. Whenever possible, ride your bike or share a ride with a colleague or spouse and save both on gas and reduce the environmental footprint.

If you watch a lot of DVDs, get an online DVD store membership: Membership to online movie stores like Netflix or Blockbuster Online can save you a lot of money compared to buying DVDs or renting it from a local store. You need to wait once you order the movie, but if you watch a lot of movies at home, then you can easily get into the habit of ordering ahead of time so you always have something at home. If you are patient and your library has the resources, check to see if they have a movie section. You won’t get anything very new, but they are free.

If you like watching movies at the theater, go before 6:00 pm: This is one of our soft spots when it comes to spending. We really like watching movies in the theater with the big screen and the great sound effects. But instead of paying ~$10 a pop for the ticket, we usually go before 6:00pm when the tickets are a little less expensive. Also, for movies that we don’t absolutely want to watch right away, we just wait until it screens on the discount theater where the tickets are $2 a pop. We avoid the temptation to buy snacks, by usually going for a theater some time soon after our lunch or sometimes sneaking in our own snacks in the purse.

Regulate your electric use: When not in use, unplug electric appliances. Apparently, unplugging the TV instead of just switching it off can save a lot of electricity! When not in a room, switch off the lights and the fan. Use a programmable thermostat to control your A/C and heater usage. If that’s too much, at least know what each appliance uses and unplug a few of them.

Plan vacations ahead of time: Vacations are a necessary part of saving our sanity in the busy lives that we lead. But vacations are also a huge drain on the family finances. You can cut the cost of a vacation significantly by planning and booking ahead of time. Bookmark travel sites for finding inexpensive airfare, hotel etc., and book at least two weeks in advance.

Finally, keep distance from lavish, high-roller friends: If you have lavish friends who buy a new car every other year (or worse still, lease it), have large screen TVs and every other conceivable electronics gadget, eat out at fancy restaurants every other night and just live way beyond their means, keep the distance. They may be nice people and mean you no harm, but hanging out with such people often can lead to a lot of unnecessary desires and discontent. What’s more important – your friends or your peace of mind?

Whoa, that article ended up being a lot longer than I anticipated. Hopefully, I haven’t put you to sleep! Despite the length though, it barely scratches the surface when it comes to ways to save money. Make it a sub-conscious habit to save money in things that you do every day, even if it is a few dollars. All that money saved can add up significantly and you can save it or spend it on things that really matter!

NOTE: I am not saying that you should follow *all* these tips. Trying to be too frugal can make both you and the people around you very miserable. So, pick out a few tips at a time that will work for you and make them a habit, before deciding if you can incorporate more money saving habits in your daily routine.

Written by Sam Baker of GradMoneyMatters.com

Earn Money Doing What You Like To Do! Find Out How!

 

 

earncash

 

Get Paid For:

Signing Up for free Offers;

Visiting websites;

Reading e-mails;

Shopping Online;

Referring friends; And MORE!

 

3-levels referral structure, Plus 1$ bonus for each active referral!

Payments through Paypal or by check.

THERE IS NO MINIMUM PAYMENT AMOUNT TO GET PAID VIA PAYPAL!

Membership is absolutely Free!

Click here to Earn Real Cash Doing What You Like to Do!