Thomas Murphy - Pine Shores Real Estate



Posted by Thomas Murphy on 12/14/2015

Everyone knows about coupons for everyday products we buy but did you know there are ways to save at places like the home improvement store, clothing stores and restaurants? Beyond the sales and promotions that these places have from time to time, there are websites that have extra savings waiting for you! Many of the couponing websites have daily or weekly emails you can subscribe to that have links of the best deals on the web. From coupons to restaurants, to online offers at places like Shutterfly, there is always something waiting for you to save on. Two great emails with valuable resources are the ones from www.couponmom.com and www.coupondivas.com. Check them out! There are variety of websites out there that can help you save on the web. www.slickdeals.net has any item you can imagine for some great prices; www.nomorerack.com has everything from clothing to jewelry to home furnishings, all at insane prices; and www.shopathome.com has coupon codes you can use for online shopping to save just like you had a coupon in store. One of the best ways to get emails full of savings is to sign up with your favorite store's website. You will not only be notified with the latest sale, but you will get exclusive coupon savings. Even some places, like Target, have weekly texts with coupons you can use on a variety of items, as well as coupons you can print from their website. Finally, using your reward points from those credits cards can help cut down on costs as well. Since most awards you get get with your points take tens of thousands of points, why not redeem your points for a gift card instead? They usually start out at 2,000 points and can help you cut the cost of that new sweater or Saturday night date night. Paying full price on purchases is not a necessity. No matter that your favorite store is, or how you like to shop, with all the options out there to save, what are you waiting for?!




Categories: Money Saving Tips  


Posted by Thomas Murphy on 4/19/2015

Times are tough for everyone and saving everytime you go to the store can really add up. Most people don't realize the true value of a coupon, or how to use them to their full advantage. With a little bit of time, on average you could save 20-30% during each grocery shopping trip and 50-100% each time you go to the drug store. The trick with getting more bang for your buck is matching coupons with the weekly sales at the supermarkets and drug stores. For example, shampoo is on sale for buy one get one free, and you have a coupon for $1.00 off 1 item. If the shampoo retails for $5.00 you will get 2 shampoos for $3.00 (2 @ $5.00 - $2 off in coupons). That's a savings of $7.00! This applies to any item you would buy at the supermarket or drug store. And by stocking up on an item when it's sale price plus coupons make it a great deal, help you to avoid running out and having to pay full price. In addition, some stores have additional savings such as doubling the value of a coupon, or in store coupons that you can use with a manufacters coupon. For example: Walgreens has Bonus Rewards were you earn points on products you buy that add up to money off future items. CVS has Extra Bucks which are like cash off your total. Both drug stores have their own in store coupons (CVS prints theirs on the bottom the receipt or from the kiosk in stores, Walgreens has a monthly coupon book) which can be used with a manufacter's coupon. Find a good week, there is potential to use a manfacuter's coupon, an instore coupon and Extra Bucks on a sale item to get it pennies (at CVS for example)!!! There are a variety of websites that can help you get started as well as give you guidance on what coupons you may have to match with the sales. To name a few: www.couponmom.com, www.hip2save.com, and www.coupondivas.com are great places to start. The savings are endless, you just have to reach out and grab them!




Categories: Money Saving Tips  


Posted by Thomas Murphy on 6/30/2013

The cost of heating can really take a toll on us over the colder fall and winter months. Having a programmable thermostat can help in cutting heating costs and still staying warm. But just having one isn't enough - you need to know how to use it to its full potential! Programmable thermostats have the ability to be programmed so that you can have multiple temperature settings through out the day. The benefit of this, is not having to think about turning down the heat before you leave for work, or cranking it up when you get home. Instead, you get heating at the exact temperature you want, when you want. So what temperatures should you set it to exactly? While you are home and awake, setting it to 68 degrees is a pretty standard temperature. While you are away from home, or sleeping, reducing it to 58 degrees should be tolerable. Of course, reducing the temperature even more than that while you are out of the house is possible, just don't make it too low and freeze your water pipes. Reducing your thermometer by 10-15 degrees for 8 hours (like while you are at work) you can save 5-15% off your heating bill. So the benefits can really pay off for reducing your heat while you are at work. For example: if you pay $200 a month in heating, reducing the heat by 15 degrees during the day will save $10-$30 a month which can add up to $60-$180 for the year if you use the heat for 6 months. Finding ways to cut costs is important to everyone during tough economic times. Every penny counts. So add this money saving tip to your list and you could start racking up the savings.