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How I Save Money.net



Tips and tricks to save money, manage credit and reduce debt



Last Build Date: Mon, 19 Feb 2018 03:11:04 +0000

 



Money Mondays: 19 February 2018

Mon, 19 Feb 2018 03:11:04 +0000

Welcome to Money Mondays! (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) I used to post my financial inflows and outflows on Fridays in the past but I decided to move this to Mondays instead. Normally I go grocery shopping on Sundays after church. Now I  will post the last week’s worth of financial inflows and outflows on Monday so that I can include the weekend spending as well. This week my financial outflows were: $27.24 for food for the week. This included my fruits for the week since I am trying to eat a fruit or vegetable with every meal. I also got two shower poufs at 99 cents each. I have to travel to a conference soon and I like to use a pouf in addition to a wash cloth. I like to have a cheap pouf for my travel bag in case I forget to take it or it is not dry by the time I need to check out. This week my financial inflows were: $0.



Money Mondays: 12 February 2018

Mon, 12 Feb 2018 13:08:18 +0000

Welcome to Money Mondays! (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) I used to post my financial inflows and outflows on Fridays in the past but I decided to move this to Mondays instead. Normally I go grocery shopping on Sundays after church. Now I  will post the last week’s worth of financial inflows and outflows on Monday so that I can include the weekend spending as well. This week my financial outflows were: $15.29 on food for the week. This consisted of cheese, milk, and eggs. That’s really it and I did not have any inflows this week.  



Update on Ally Cash Back

Wed, 07 Feb 2018 06:01:28 +0000

I got some cash back from my Ally card. If you would like to read the initial review of the card please click here. I decided to redeem the cash back to my savings account instead of taking it as an account credit. The redemption options are: -statement credit -direct deposit (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) This card gives an additional 10% cash back if you redeem the points towards your savings account. This may not seem like a lot but every cent counts. You cannot redeem points for gift cards or merchandise like you can with some other cards. This may not appeal to everyone, however it is not a problem for me. In this case, fewer options means that Ally can keep their costs down. This may play into why they can afford to give such a generous bonus for direct deposit when you redeem to your savings account. What I redeemed this month:   Your redemption summary Cash Back Rewards redeemed: $40.03 Deposit amount before your 10% Ally Deposit Bonus: $40.03 10% Ally Deposit Bonus amount: $4.00 Total Cash Back deposited into your Ally Bank account: $44.03   So far I really like the card. It is easy to redeem the points and I can get a bonus 10% for depositing it to my account. How You Earn Points: 2% per dollar at Gas stations 2% per dollar at Grocery stores 1% per dollar for all other purchases This is similar to other cards, however the bonus upon redeeming is what sets it apart.



Money Mondays: 5 February 2018

Mon, 05 Feb 2018 06:01:32 +0000

Welcome to Money Mondays! (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) I used to post my financial inflows and outflows on Fridays in the past but I decided to move this to Mondays instead. Normally I go grocery shopping on Sundays after church. Now I  will post the last week’s worth of financial inflows and outflows on Monday so that I can include the weekend spending as well. This week my financial outflows were: $151.47 for electricity. The electric bill around this time is always very high. This is due to the colder months plus being home for three weeks during the holidays. Rent and Phone…these do not change. This week my financial inflows were: $25 as a statement credit to a card I have a $2k balance on. This amount was for tuition this semester and I will have it paid off by the end of the month to avoid interest. $44.03 from redeeming credit card cash back. The $40.03 was the actual redemption amount and the $4 was a bonus for getting a direct deposit instead of a statement credit.



Save Money By Researching Prices

Wed, 31 Jan 2018 06:01:23 +0000

Researching prices can help you save money. It does not have to be time consuming…just a few seconds can net you some savings. (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) I normally do my shopping for essentials at Walmart….I talk about this all the time. Usually, I purchase online to make the most of Swagbucks and Ebates, then pick up in store on my way home from work or church. I keep a running list on my phone of the items I need as I use them up. Then I add them to the online shopping list so I can make a monthly purchase. Sometimes I end up going into the store and will purchase an item that I have run low on that will not last until the online order. This time I needed to get lotion. I normally use Aveeno or Palmer’s Cocoa butter since those work best for my skin. I tried Gold Bond with Aloe and fell in love. I decided to order it online and started researching prices at Walmart and Amazon to see where I could get the best deal. When I checked Walmart, the site alerted me that the price was lower in the store. What are the prices? Online price: $6.02 In store price: $4.97 I needed to go into the store to get some perishables so I decided to pick this up while I was there. Researching the prices only took a few seconds to pull up on two websites and I saved some money in the process. (The images and links within this post may contain affiliate links. I may receive compensation if you use the affiliate links to purchase items. This may be a referral bonus or a future discount on my purchases.)



Money Mondays: 29 January 2018

Mon, 29 Jan 2018 06:01:00 +0000

Welcome to Money Mondays! (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) I used to post my financial inflows and outflows on Fridays in the past but I decided to move this to Mondays instead. Normally I go grocery shopping on Sundays after church. Now I  will post the last week’s worth of financial inflows and outflows on Monday so that I can include the weekend spending as well. This week my financial outflows were: $27.93 on gas. I was about halfway through the tank and filled up to the brim as I always do.



Money Mondays: 22 January 2018

Mon, 22 Jan 2018 06:01:49 +0000

Welcome to Money Mondays! (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) I used to post my financial inflows and outflows on Fridays in the past but I decided to move this to Mondays instead. Normally I go grocery shopping on Sundays after church. Now I  will post the last week’s worth of financial inflows and outflows on Monday so that I can include the weekend spending as well. This week my financial outflows were: $50.74 on food and household items for the week. This included cat food for the diva as well as some food for myself. This week my financial inflows were: $159.12 in gift card redemptions. This came in the form of a check from my Savor credit card. The card is one I just opened at the end of last year. You get $150.00 when you spend $500 in the first three months. I used the card exclusively (except for rent) once I got it so that I could get to the spending level. I got the $9.12 as regular cash back on purchases in various categories.



Money Mondays: 8 January 2018

Mon, 08 Jan 2018 06:01:59 +0000

Welcome to Money Mondays! (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) I used to post my financial inflows and outflows on Fridays in the past but I decided to move this to Mondays instead. Normally I go grocery shopping on Sundays after church. Now I  will post the last week’s worth of financial inflows and outflows on Monday so that I can include the weekend spending as well. This week my financial outflows were: $79.98 for the electric bill. This is higher than my normal bill but this is an expected amount. It has been very cold lately so I have been running the heater a bit more than in the past. I do expect a few more high bills as we are in the colder months. This amount will taper off as it warms up and I no longer need to use the heat. I paid rent and the phone bill but those are fixed amounts so I no longer report the dollar amount here. $20.10 on household items. The order was actually $46.05 but I had $25.95 in gift cards that I applied to the order. I got a humidifier that can hydrate multiple rooms and a five pack of heads for my electric toothbrush. $36 exactly on food for the week. I had to double check it since I thought it was odd that the tax was enough to round out my bill. I used a calculator and saw that the total of my food was exactly $36 and there was no tax included on the items.  What I bought -grapefruits -apples -bananas -mushrooms -strawberries -ice cream -cookies -salmon I thought at least the cookies and ice cream would have been taxed since they were processed foods… but I am not complaining! This week my financial inflows were: $15.00 from Lending Club loan repayments. This year I will be making more withdrawals and might cut back on the new loans until I get a job. I am going to need all the income I can get for the next few months until I graduate and move on to full time employment. $22.52 from credit card points redemptions. I got this as a cash deposit to my checking account as I did not have enough to redeem for a gift card. On this particular card the gift card and cash conversions cost the same number of points, but I could only get a minimum of a $25 gift card.



Getting Ready To Go Back To School

Fri, 05 Jan 2018 06:01:18 +0000

School reopens in one week! I am trying to get ready for everything after a nice, refreshing break. My budget has been tweaked and it just remains to see if this new semester will flow smoothly with regards to finances. Have a great year everyone!



How I’ve Changed My 2018 Budget

Wed, 03 Jan 2018 06:01:58 +0000

I’ve changed my 2018 budget to better suit my needs. These changes were necessary because my circumstances are constantly evolving. (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) I usually do an overhaul of my budget at the beginning of each year. This may range from making very large changes to simply tweaking small items. In any case it is always a good idea to take a look at your budget annually to make changes. How I’ve Changed My 2018 Budget Tuition In this year’s budget the biggest changed was the Tuition category. I am increasing the category amount in Mint on a monthly basis. In the past I had the category set only as the tuition loan repayment amount. This means that when I paid tuition I would be over the allocated amount in my budget. At the end of the year I was always showing as having gone over the budget and this caused a bit of mental anxiety. Now, by including a buffer for tuition paid, I can roll over the extra amount and it will balance out at the end of the year. I know this is a psychological fix but it suits my needs at the moment. Food and Household The next item I changed when I changed my 2018 budget is food and household. In the past, I had those as two separate categories, then I grouped them together some years. Then I separated eating out from regular groceries, which were combined with non-food items. I am going back to separating Food from  Household (Non-food) items. If I can see the spending on those two categories I think it will allow to better control my spending. Rent Another category I changed is the Rent category. My rent ends up being a number that ends in ‘8’ and I had this exact amount in my budget. The issue with this is that I don’t like seeing numbers that do not end in ‘5’ or ‘0’ in my budget. I know this is a not a big issue but it bothers me. I changed the category amount to end in ‘0’. This means that there will be a difference of $2 at the end of every month in the budget. This is a tiny amount which I will simply allow to roll over in Mint. What Remained The Same Most of my other categories remained the same as last year. I did not need to change any other categories so the budget will remain this way until something major happens and I need to tweak it again. Did you make any changes to your budget this year? Share it in the comments!!!



Money Mondays: 1 January 2018

Mon, 01 Jan 2018 06:01:09 +0000

Welcome to Money Mondays! This is the FIRST Money Mondays for the new year. I will be doing a post on my finances for the previous year a bit later. (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) I used to post my financial inflows and outflows on Fridays in the past but I decided to move this to Mondays instead. Normally I go grocery shopping on Sundays after church. Now I  will post the last week’s worth of financial inflows and outflows on Monday so that I can include the weekend spending as well. This week my financial outflows were: $21.65 on items from Bath and Body Works. I got some candles and used a coupon so I did not pay full price. Now I have enough candles from stocking up at the semi-annual sale in December. I have some multiples that I can exchange for other scents during spring. If I find something I like then I will exchange a current candle from my stash instead of buying it outright. This week my financial inflows were: $25 for cashing in 2,500 rewards points from Capital One. I opted for a Walmart gift card as cashing in for a statement credit would have given less value.



Happy New Year 2018!

Sun, 31 Dec 2017 16:14:57 +0000

I just wanted to take the time to wish everyone a bright and prosperous 2018! As always, be careful when driving or walking out and about! It has started snowing today in my area and it looks nice. I just hope we don’t get iced in like last year. There are some areas (not in my state) that have gotten some really heavy snow. If you are in an affected area try to be safe! In 2018 I pray we can all achieve our financial goals and any other goals we set out to achieve. Thank you for all of your support with reading the blog and commenting!



Money Mondays: 25 December 2017

Mon, 25 Dec 2017 06:01:05 +0000

Welcome to Money Mondays! (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) I used to post my financial inflows and outflows on Fridays in the past but I decided to move this to Mondays instead. Normally I go grocery shopping on Sundays after church. Now I  will post the last week’s worth of financial inflows and outflows on Monday so that I can include the weekend spending as well. This week my financial outflows were: $217.64 on car servicing and repairs. I needed to get a 95K mile check up and had been wanting to get my headlights resurfaced as well. They had become very dull and dim and were not bright at night. In addition, I got an oil change, including filters. After transferring this payment from the Car Fund, I am left with $200.34. The Car Fund is that mini account which is used for car repairs and is separate from my emergency fund. I have an automatic transfer of $10 every month to that account and use it for car related items, excluding gas. Hopefully I can build that account up again before needing to use it for any car related spending. $29.71 on gas. As usual I filled my tank to the brim. The last time I bought gas was at the beginning of November. This is in keeping with need to fill up my tank about once a month. Today is Christmas Day!!! Merry Christmas everyone and enjoy the rest of the holidays.



Merry Christmas 2017

Mon, 25 Dec 2017 04:02:44 +0000

I just wanted to take the time to wish everyone a very Merry Christmas. It is always hard for me around this time because my mother died in December a few years ago. In any case, I hope you enjoy the holidays!!! Have a Happy New Year as well.



Money Mondays: 18 December 2017

Mon, 18 Dec 2017 13:02:17 +0000

Welcome to Money Mondays! (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) I used to post my financial inflows and outflows on Fridays in the past but I decided to move this to Mondays instead. Normally I go grocery shopping on Sundays after church. Now I  will post the last week’s worth of financial inflows and outflows on Monday so that I can include the weekend spending as well. This week my financial outflows were: $0. This week my financial inflows were: $15 from redeeming PineCone rewards. This money came in through PayPal and was then transferred to my checking account.



Buy 3 Get 4 Free At Bath And Body Works

Fri, 15 Dec 2017 06:02:57 +0000

Where can you Buy 3 Get 4 Free? At Bath and Body Works of course!!! Bath and Body Works is running an AMAZING sale today 15 December 2017 only. You can Buy 3 Get 4 Free on select body care and save some money. I love shopping there for candles and wallflowers and things to make my home smell great. I have also been loving their body care since it all smells wonderful. Normally I save my shopping trips for the semi-annual sales but this is one that I cannot pass up. (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) This is a great sale if you are in the market for some new skin care. What you get You simply get to have 7 of your favorite skin care products for the price of 3. You get to choose from a variety of the following products: -body lotion -shower gel -body butter -body cream -shimmer mist -body scrub What you need to do To get this great deal where you Buy 3 Get 4 Free you need to use the code SCOREFOUR. You can enter this code at checkout online or you can show it to the cashier on your phone. Either way you will get the great discounted rate on body care.



Money Mondays: 11 December 2017

Mon, 11 Dec 2017 06:01:42 +0000

Welcome to Money Mondays! (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) I used to post my financial inflows and outflows on Fridays in the past but I decided to move this to Mondays instead. Normally I go grocery shopping on Sundays after church. Now I  will post the last week’s worth of financial inflows and outflows on Monday so that I can include the weekend spending as well. This week my financial outflows were: $24.25 on Bath and Body Works. This was for the candles and wallflower that I showed earlier. I also spent $74.45 on assorted household items. This was an online order from Walmart and I will pick it up later during the week. This week my financial inflows were: $10 from HoneyGold. HoneyGold is a browser plugin that allows you to get cash back from shopping. When there is a an offer on a site you are shopping at the plugin will alert you. You simply accept the offer depending on how much it is. Then once you get to 1,000 points you can get a $10 gift card. Usually the cash back from Ebates is higher than HoneyGold so I have been using Ebates more. But when the reverse is true then I let my HoneyGold points accumulate.



New Candles And Wallflower

Fri, 08 Dec 2017 06:01:23 +0000

I got some new candles and a wallflower from Bath and Body Works. The candle day was not what I expected, so I went back another day to shop at a leisurely pace. (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) This time I got two candles and one wallflower. I had a coupon for $10 off $30 and this was the best combination to use for getting candles. What I Paid The candles were priced at $12.95 today and the wallflower was $6.50. After taxes and using my discount I got all three items for $24.25 total!! What I Got Comfort: This candle is a soft blend of notes and smells a little like baby powder to me. Soft: This is a truly delicious blend of a bakery note with a slight hint of rose. Sort of like a rose pastry! Midnight Blue Citrus: This wallflower is fresh and citrus-y and will be used in my office at work



Five Ways To Save At Bath And Body Works

Wed, 06 Dec 2017 06:01:00 +0000

Here are the top Five ways to save at Bath and Body Works. You know that candles are my weakness but they can be so expensive. (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) Wait for Candle Day. Candle Day is a day in December when 3 wick candles are priced at their lowest sale price. These large candles are usually at least $22.50 to $26.50 on a normal day. On Candle Day they are reduced to about $8. This price has been increasing, with the 2017 price being $8.95.   Wait for the Semi Annual Sales. These sales happen in June and January every year. This is they drastically reduce prices on all items…even some up to 75% off. You do need to get to the store early as people pick over the items. If you go late you may not end up getting the items that you really want.   Use Coupons. You can sign up for mailed coupons or the store can send them to your email. I make it a point to check my coupons and keep them in my purse. This way I will always have them when I need to use them.   Ask for a Price Adjustment. Usually if you bought an item at full price and it goes on sale within 7 days you can get an adjustment. It varies by store and you do have to ask the sales associates to apply the price adjustment.   Get free Gift Wrap. The stores will provide you with a free cellophane bag and a ribbon for every candle you buy. You do have to specifically request these since the sales associates do not offer it at the time of purchase. So those were my top five ways to save at Bath and Body Works. Do you have any tips for saving?



Money Mondays: 4 December 2017

Mon, 04 Dec 2017 06:01:51 +0000

Welcome to Money Mondays! (If you are not reading this post at www.howisavemoney.net or in your feed reader, it may have been stolen from my site.) I used to post my financial inflows and outflows on Fridays in the past but I decided to move this to Mondays instead. Normally I go grocery shopping on Sundays after church. Now I  will post the last week’s worth of financial inflows and outflows on Monday so that I can include the weekend spending as well. This week my financial outflows were: $32 for my portion of the shared phone bill. I paid my rent but if you are a regular reader you know I don’t post my actual rent amount on here. $60.42 for the electric bill. It is getting colder and I am running the heater a lot more these days. this amount is still under my monthly allocation and I don’t see my bill going up too much. Of course when we go on break from school I will be at home more. I will try to wear more layers in the house so that I don’t have to turn the heat up too much. This week my financial inflows were: $15 from a refunded product. This is money I had already spent so I technically I am just getting back what I paid out. I also got paid so my checking account looks a little less sad.