Tag Archives: coupon codes

Black Friday, Coupon Codes & Real Rules For Saving $


Shopping is marketing if you do it the way you see it on TV.

We are a consumer-based society. You should use your power in the Christmas holiday season. Make your list in advance. Start with a budget for EVERYTHING. For instance, for all my Christmas shopping I am going to spend XXX. Then, split that amount up among all those you are “gifting” to this holiday season.

Make your list down to the product, but be willing to shop around.

Look on the internet for coupon codes for the purchases you want to make.

Stick to your budget. Don’t be embarrassed to walk away. 70% of our economy is produced by results of CONSUMERS. Make your voice heard.

Remember these rules:

Negotiate everywhere.

Be prepared to walk. You don’t have to buy from a specific retailer – you can purchase from the merchant that gives you the best price.

If you really want to make the Christmas shopping season fun, take that amount saved on any purchase (and every purchase) and actually DO SAVE IT in money market savings (as if you had spent it).

Above all, make your holidays about quality – not how many gifts. Gifts with a lot of thought simply mean more.

Tis the season to exploit your power as a consumer. Do it!

You CAN do it.

HELPING YOUR KIDS GET AHEAD

If you think I was born saving money, you are wrong. My own family didn’t believe in saving. They don’t believe in having a 401k. Our people have had “emergencies” all our lives. These emergencies always get in the way of saving money regularly, and our family is not different than millions of other good American families. I was not brought up to save and invest regularly and I have made every mistake you can think about when it comes to money. My parents thought they were shielding me from the realities of bills and worry. In fact, they were isolating me. I have had to learn from my own mistakes over time. I have had to learn the absolute hard way how to get savings on track and make it a part of your life without killing your lifestyle or allowing “it” to overwhelm you. It is my mission to share what I have learned about regularly saving with my own children and also share it with you. That’s why we have a lot of “free” (blogs like http://www.boostmywealth.wordpress.com and http://www.stickyasset.com/blog and groups on Facebook like “Coupons & Coupon Codes”) associated with our mission!

It is our goal to encourage everyone to teach our children about money, managing money, and saving regularly (and automatically. Children should receive lessons about compound interest and steady investing for a long-term future before they face the hard choices of adult life while being subjected to the consequences of the high-speed marketing culture we live in. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor by simply sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group. You can get our free e-saver newsletter by signing up at http://www.StickyAsset.com/blog.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at http://www.middleclassmoney.com.

Good luck to you and your children.

Thank you for reading our blog and good luck!

Loyd Ford
http://www.stickyasset.com/blog
http://www.middleclassmoney.com
http://www.boostmywealth.wordpress.com
http://www.squidoo.com/boostmywealth
http://www.stickyasset.com

Connect with us on Facebook with these free groups:
“Coupons & Coupon Codes”
“Live The Lifestyle Your Family Deserves”
All on Facebook – join. It’s free.

The Truth About Your Savings


Everyone likes to save money, but hardly everyone uses specific strategy guaranteed to boost savings on a regular basis and stick to this strategy over the long-term to gain additional control over their financial life.

What are these “specific strategies?”

See your paycheck for what it is: The part that you pay out to other people and the only part that can help you build value: What you save as a percentage of each paycheck.

See your checking account for what it is: A money laundering account for other people’s money. Get .15 extra in your checking account? Boost it out of there and into savings where it can help you build a future. Use any excuse you can to remove ANY extra dollars out of checking and into savings.

See coupons and coupon codes for what they are: Ways you can save money IF you only use them for items you regularly purchase or really need and you take the percentage saved from the coupon or coupon code and push that amount to savings. If you don’t put the money you “saved” in actual savings, you have only participated in marketing.

See negotiation for what it is: A tool that rich people (and smart people) use to protect more of their money for the use of savings and investment. While many people are “too embarrassed” to use negotiation on everyday purchases, the rich and the smart DON’T allow themselves to feel embarrassed. They understand the keys to building wealth are simply using strategy to push money by percentage from checking to savings and investment on a regular basis.

See regular saving and regular investment as what they are: The only tools you can depend on to build wealth over time.

Remember this: You can do this. Your emergency savings for 2010 should be 15 to 18 months of your expenses in money market savings and certificates of deposit. You don’t have to build it all at once, but you can build this kind of emergency savings over time. In fact, it will build faster than you think.

It all starts with the plan. If you want, you can begin with our “1% Savings Plan” (see past blog entries here or on http://www.stickyasset.com/blog or check it out at http://www.MiddleClassMoney.com.

This is your ticket to freedom. This is the ticket to freedom for your family. All you have to do is grab it, start and stay consistent in regular savings and investment.

YOU GOT A LATE START?

If you think I was born saving money, you are wrong. My own family didn’t believe in saving. They don’t believe in having a 401k. They have had “emergencies” all their lives. These emergencies always get in the way of saving money regularly. I was not brought up to save and invest regularly and I have made every mistake you can think about when it comes to money. My parents thought they were shielding me from the realities of bills and worry. In fact, they were isolating me. I learned nothing until I had made many of the mistakes they made. I have had to learn the absolute hard way how to get savings on track and make it a part of your life without killing your lifestyle. I have had to learn the hard way how companies mislead with marketing. It is my mission to share what I have learned about regularly saving with my own children and also share it with you. That’s why we have a lot of “free” (blogs like http://www.boostmywealth.wordpress.com and http://www.stickyasset.com/blog and groups on Facebook like “Coupons & Coupon Codes”)!

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at http://www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford
http://www.stickyasset.com/blog
http://www.middleclassmoney.com
http://www.boostmywealth.wordpress.com
http://www.squidoo.com/boostmywealth
http://www.stickyasset.com

Connect with us on Facebook with these free groups:
“Coupons & Coupon Codes”
“Live The Lifestyle Your Family Deserves”
“Saving Money”
“The Money Store”
All on Facebook – join. It’s free.

The 3 Real Rules Of Coupon Savings


We like to be helpful to encourage people to develop their own plan to save and invest on a regular basis. We thought we would present some websites that could be helpful in your search for coupons and coupon codes. Be sure to join our Facebook “Coupons & Coupon Codes” group below. We’ve also added our three (3) basic rules of using coupons effectively.

As always, our advice revolves around these words: “Do your own research; don’t purchase anything you don’t understand.”

Social Savings:

http://www.livingsocial.com

http://www.groupon.com

Coupon Codes:

http://www.couponcodes4u.com

http://www.couponalbum.com

http://www.savings.com

http://www.ebates.com

http://www.couponwinner.com

Remember the basic rules of coupons and coupon codes:

1. You are not saving if you use coupons or coupon codes for something you don’t actually need. This would mean you find a coupon and get excited about saving money on something you don’t usually purchase or would not have purchased without the coupon.

2. If you don’t look closely at the amount of product your are receiving with the coupon or coupon code deal vs. a non-coupon configuration, you could be participating in something other than saving: marketing.

3. If you don’t actually put the money you “saved” in actual savings, you are not saving anything. Use your savings to push money to actual savings and investing.

You can do this.

HELPING YOUR KIDS GET AHEAD

If you think I was born saving money, you are wrong. My family is filled with hillbillies from Louisiana. There are members of my family that don’t believe in 401ks or IRAs. I was not brought up to save and invest regularly and I have made every mistake you can think about when it comes to money. I have had to learn the absolute hard way how to get savings on track and make it a part of your life without killing your lifestyle. I have had to learn the hard way how companies mislead with marketing. It is my mission to share what I have learned about regularly saving with my own children and also share it with you. That’s why we have a lot of “free” (blogs like http://www.boostmywealth.wordpress.com and http://www.stickyasset.com/blog and groups on Facebook like “Coupons & Coupon Codes”)!

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at http://www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford
http://www.stickyasset.com/blog
http://www.middleclassmoney.com
http://www.boostmywealth.wordpress.com
http://www.squidoo.com/boostmywealth
http://www.stickyasset.com

Connect with us on Facebook with these free groups:
“Coupons & Coupon Codes”
“Live The Lifestyle Your Family Deserves”
“Saving Money”

7 Ways To Boost Your Savings


How do you pay yourself first?

Reduce expenses by looking closely at what you spend on bills and what you spend for fun. While no one likes to pull back on “fun,” it is critical to look at expenses and reduce by a percentage goal (we usually recommend you begin with working to reduce your spending by 10 – 15 % (this includes going after all the companies that bill you and working to get a reduction of 10 – 15 % directly from these companies).

How else can you “naturally” boost savings by reducing what you spend?

1. Buy used. Become friends with ebay and craigslist. Seek out ways to purchased used for a LOT less and be open to barter. Remember: The cash you save could be your own.

2. Purchase generic whenever possible across categories. In other words, buy generic everything. Why? Because often the generics are actually made by the manufacturers you are purchasing because of their brand name. The money you save can be substantial.

3. Use coupons and coupon codes, but only use them on purchases you already make regularly or things you actually need. This goes hand in hand with making your list before you go shopping. Don’t depend on the coupons to tell you what to purchase (that’s marketing). Figure out what you need and then search for the right coupons or coupon codes (Join our free Facebook group “Coupons & Coupon Codes” to see more coupons on a regular basis).

4. Watch out for fees of any kind and be committed to removing them. This means you should not pay fees on credit cards or in banking. Remember: big business depends on you NOT to read the fine print. DO READ THE FINE PRINT and save, save, save.

5. Make a list in advance every single time you go “shopping” and stick to the list without question. No impulse purchases. Remember – marketing is everywhere and there are a lot of temptations. Remove the temptation to buy more by sticking to a specific list written in advance.

6. Always review your insurance once a year. If you don’t, you will lose money. Don’t be afraid to switch. You should focus on lowering costs and make sure you keep your coverage the same. Insurance companies love for you to get lazy about this so they can jack your rates. Stay on top of it and you will save more than you think.

7. Track usage of the services you pay for. If you are not watching all those cable channels, guess what? You are paying too much. If you have a gym membership but don’t go, you are paying too much. Watch what you actually do vs. what you actually pay for. These are tips on where you can cut spending.

Check out our “1% Savings Plan” in previous blog entries or at http://www.middleclassmoney.com to find additional ways to boost your savings. Always focus on the percentage of your after tax income that you are saving. Don’t focus on dollar amounts. This will allow you to set very meaningful goals and really establish patterns in savings that mean more over time.

Always remember that YOU are in charge. You can do this!

Make sure every single penny you save goes to actual savings and really does come out of checking. Add these totals up and make it a new “payment” each month that goes toward savings. Make sure this is the first “bill” you pay each month.

HELPING YOUR KIDS GET AHEAD

If you think I was born saving money, you are wrong. My family is filled with hillbillies from Louisiana. There are members of my family that don’t believe in 401ks or IRAs. I was not brought up to save and invest regularly and I have made every mistake you can think about when it comes to money. I have had to learn the absolute hard way how to get savings on track and make it a part of your life without killing your lifestyle. I have had to learn the hard way how companies mislead with marketing. It is my mission to share what I have learned about regularly saving with my own children and also share it with you. That’s why we have a lot of “free” (blogs like http://www.boostmywealth.wordpress.com and http://www.stickyasset.com/blog and groups on Facebook like “Coupons & Coupon Codes”)!

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at http://www.middleclassmoney.com.

This blog needs your help. Please use the share button on your Facebook wall to share this blog on your wall with friends and family. If you have other ways to share this blog, please do so. The only way we can spread real influence is with the help of people like yourself. You can influence others to save more and truly get ahead – even in this economy.

Thank you for reading our blog and good luck!

Loyd Ford
http://www.stickyasset.com/blog
http://www.middleclassmoney.com
http://www.boostmywealth.wordpress.com
http://www.squidoo.com/boostmywealth
http://www.stickyasset.com

Connect with us on Facebook with these free groups:
“Coupons & Coupon Codes”

The Basics That Grow Savings & Wealth Today


It’s a very simple process.

Use a specific regular savings program tied to your after-tax income. By the way, this is AFTER you have joined your company 401k. We recommend our own “1% Savings Plan” (see past blog entries or HOW TO SURVIVE ANY FINANCIAL CRISIS at this web site: http://www.middleclassmoney.com to find out how to get on this plan and move ahead).

Set a target for building your proper emergency savings fund for 2010: You will need to build 15 to 18 months of your expenses in money market savings and certificates of deposit. That is because the jobs are going away in record numbers; jobs are not coming back in recovery like they did 15 years ago. More than this, it may take you 12 to 15 months to actually get a job and you may never make what you made before you lost your job again.

Regularly reduce debt. Start with credit card debt. Begin with the highest interest credit card debt. Again, you can get our tips of “dealing with credit card companies” in past blogs or in HOW TO SURVIVE ANY FINANCIAL CRISIS at http://www.middleclassmoney.com.

Think of building savings, steadily building actual assets and reducing debt as the triplets of growing wealth. Why? Because they are!

Involve your family. Teach your children. Grow together.

You can grow savings faster than you think.

You can grow assets over time.

You can set the course and pace of your personal family budget and financial life where you can grow wealth over time.

You just have to commit and get started. Keep telling yourself that slow and steady wins the race and pace yourself for regular reduction of debt and regular savings.

You can do it.

HELPING YOUR KIDS GET AHEAD

If you think I was born saving money, you are wrong. My family is filled with hillbillies from Louisiana. There are members of my family that don’t believe in 401ks or IRAs. I was not brought up to save and invest regularly and I have made every mistake you can think about when it comes to money. I have had to learn the absolute hard way how to get savings on track and make it a part of your life without killing your lifestyle. I have had to learn the hard way how companies mislead with marketing. It is my mission to share what I have learned about regularly saving with my own children and also share it with you. That’s why we have a lot of “free” (blogs like http://www.boostmywealth.wordpress.com and http://www.stickyasset.com/blog and groups on Facebook like “Coupons & Coupon Codes”)!

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at http://www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford
http://www.stickyasset.com/blog
http://www.middleclassmoney.com
http://www.boostmywealth.wordpress.com
http://www.squidoo.com/boostmywealth
http://www.stickyasset.com

Connect with us on Facebook with these free groups:
“Coupons & Coupon Codes”
“Live The Lifestyle Your Family Deserves”
“Saving Money”

Doing The “Side By Side”


Today’s blog is about NOT taking things for granted. Don’t assume.

Today we focus on an exercise called “The Side By Side.”

To do the “Side by side,” we recommend you do this exercise about once a year:

1. You will need a base line. We would recommend using Walmart.

2. You will need a “compare” or alternate store to use with coupons and all sales associated with the store.

3. Take your list of regular shopping items and look for the best deals on the websites at both stores. As you know, we often recommend that you make lists before shopping and that you also keep from going “off the list” while shopping.

4. Compare the best price that you get at each location. Be sure you are making an apples to apples compare on each store and on each item. More than this, make sure you are comparing units in each item you purchase.

Comparing discount bottom-dollar stores to other experiences in “shopping” is an important part of regularly saving money.

Don’t just assume the place where you shop has the best prices. Keep up.

It can make huge differences. To insure that you are really saving, take the difference EVERY TIME between what you would have paid and what you saved and actually put it in real savings away from checking.

It is less important that you do this specific exercise. The most important thing you can do is to create opportunity to compare all the time to insure your family is truly getting the best deals. Pennies count – and you can save $10, $20, $30, $40 or more doing a simple exercise like this one. Imagine if you starting looking at other areas where you could save money?

Remember what we say: Checking accounts are money laundering accounts for other people’s money.

HELPING YOUR KIDS GET AHEAD

If you think I was born saving money, you are wrong. My family is filled with hillbillies from Louisiana. There are members of my family that don’t believe in 401ks or IRAs. I was not brought up to save and invest regularly and I have made every mistake you can think about when it comes to money. I have had to learn the absolute hard way how to get savings on track and make it a part of your life without killing your lifestyle. I have had to learn the hard way how companies mislead with marketing. It is my mission to share what I have learned about regularly saving with my own children and also share it with you. That’s why we have a lot of “free” (blogs like http://www.boostmywealth.wordpress.com and http://www.stickyasset.com/blog and groups on Facebook like “Coupons & Coupon Codes”)!

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at http://www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford
http://www.stickyasset.com/blog
http://www.middleclassmoney.com
http://www.boostmywealth.wordpress.com
http://www.squidoo.com/boostmywealth
http://www.stickyasset.com

Connect with us on Facebook with these free groups:
“Coupons & Coupon Codes”
“Live The Lifestyle Your Family Deserves”
“Saving Money”

The Rules For New Savings


How do you get ahead in today’s economy?

It is easier to talk about than to actually get done, isn’t it?

The only way to truly get ahead in today’s economy is to reset your thinking and reboot the way you look at money, banking, saving, retirement accumulation and more.

Let’s try a few of our philosophies out.

Saving is not optional. Everyone talks about it like it is, but it isn’t.

Good times and bad times will happen to everyone. Save during the good times and you will be fine. Don’t….and you won’t.

Checking accounts are money laundering accounts for other people’s money. Use any excuse you can to push money from checking into savings (money market savings or certificates of deposit).

A correct-sized emergency savings fund for 2010 is NOT three to six months of expenses. It’s fifteen to eighteen months of expenses in savings (money market and certificates of deposit).

Savings can generate faster than you think. If you are not saving money with every paycheck today, start with our 1% Savings Plan. Check our past blogs to see the details. It is our way anyone can start a saving program without killing their lifestyle.

If you use coupons and coupon codes, make sure you compare the real coupon price with non-coupon prices elsewhere. Make sure you compare how much of the product is offered for use with a coupon Vs packaging that is not offered with a coupon or coupon code. Check out our free Facebook group called “Coupons & Coupon Codes.”

You only save with coupons or coupon codes if the product is something you really need or something you ordinarily use and you put the savings in actual savings.

Negotiate on everything. Take the money you save negotiating and put it in savings (as if you spent it).

You should see how we feel you should treat credit card companies and every company that sends a bill to your house. It will help you save. Keep checking back with this blog and you can pick it up.

HELPING YOUR KIDS GET AHEAD

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at http://www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford
http://www.stickyasset.com/blog
http://www.middleclassmoney.com
http://www.boostmywealth.wordpress.com
http://www.squidoo.com/boostmywealth
http://www.stickyasset.com