11/26/09

Sale at Please Mum, great deals!



I just got back from Please Mum and got some great deals on snow pants!  Kids outerwear, sleepwear and dresses at half price.  Sale is in-store and online!  Good until Nov 29th.

11/24/09

Sales and bonus point redemption!




Visit Please Mum on line for this great deal!  Right now they also have free shipping on all orders.


Great Sale @ Mark's Work Warehouse!


Saturday Nov 28th 5Pm until close.  I suggest getting there at 4:30 to start gathering your purchases.  Sometimes it is hard to get into a change room during a sale like this!





Shopper's Drug Mart Optimum Bonus Redemption Nov 28-29  Finally!!!
Cash in your points 40,000 BP = $100(Extra $25)75,000 BP = $200(an extra $50)

If you are a Optimum plus member like me when you cash in 75,000 points you get back 10,000.  You can become a plus member for earning 10,000 regular points in a calender year.  You also get samples and extra coupons from SDM when you are a Plus member.

11/21/09

Freebies Try me free and Money Back Guarantees

Freebies Try Me Free & Money Back Guarantees




Rogers Wireless Customers Only
The Rogers 3rd annual customer appreciation event-Lots of gifts to be won!

Mc Donald's
Free Premium Roast Coffee during breakfast hours(small size, but I heard that you can   pay the difference and up the size)

Free Alberto Styling Product
Follow on Facebook and receive a free product

Livingwell.ca A great place to register for great coupons and samples.  In the past there has been $4 off any Tylenol product, $5 off any Motrin.  

Proctor and Gamble- Brandsaver  About 4 times a year you can go on the Brandsaver site and they will send you some great samples like Mr. clean erasers, Cascade dishwasher soap, Oil of Olay, Razors, Shampoo, Gillette products and Venus razors.

Swiffer(unit) - Money back Guarantee. (Also check save.ca for swiffer coupons)

If you are not completely satisfied with our Swiffer
WetJet
Starter Kit, Swiffer Sweeper Starter Kit, Swiffer SweeperVac Starter Kit , Swiffer Dusters Starter Kit , Swiffer Dusters with Extendable Handle Starter Kit, Swiffer 360° Dusters Starter Kit, or Swiffer Sweeper X-Large Starter Kit for any reason, we’ll give you your money back.*
To receive your full money back refund, please mail:
1) A completed Guarantee form (download the form below),
2) The original UPC from the Swiffer product purchased, and
3) The original, dated cashier register receipt with the purchase price circled (within 30 days of purchase), to:
Swiffer Money Back Guarantee
P.O. Box #64
Brampton, ON L6V 2K7

Pantene Pro V 2X money back guarantee
 Satisfaction Guaranteed or 2x your money back!
Thank you for trying Pantene ProV. If you are not completely satisfied, we’ll send you a check for up to $12.00 CND to purchase the product of your choice.
To receive your refund:
1. Include original dated cash receipt with the purchase price circled, for a refund of 2 times your purchase price, up to $12.
2. Include your full name and mailing address on 3x5 card.
3. Send to:Pantene Pro-V Guarantee,Dept. J, PO Box 900048,El Paso, TX 88590-0048
Maximum refund $12. Offer valid until June 30, 2010. This offer is limited to one per name, household or address and is available through June 30, 2010.Questions? Call 1-800-522-2106

*You need to send this rebate to the USA but it is worth the stamp to get back up to $12.

Olay Professional Pro-X

Click on Satisfaction Guaranteed:

Our goal is that you are satisfied with your product choices. Rigorously tested through independent clinical studies, Olay stands behind these products and will guarantee your complete satisfaction or we will reimburse you fully. If you are not completely satisfied, please call 1-866-511-OLAY (6529) with UPC within 60 days of purchase.

Febreze NOTICEables  (Until July 31. 2010)

Try Febreze NOTICEables in your home. If you don’t experience noticeable freshness for all 30 days*, we’ll refund your purchase price up to $12.99(excludes taxes).
To receive your refund, please mail a completed 30 Day Guarantee form found below, the UPC from the Febreze NOTICEables scented oil warmer purchased and a dated cashier register receipt with the purchase price circled to:
Febreze NOTICEables MBG,
Dept F,P.O. Box 900038,El Paso,TX 88590-0038

Lakota Live Pain Free Guarantee
Try any Lakota product for 30 days.
If you are not satisfied with the results
we guarantee your money back!

TO CLAIM YOUR PAIN-FREE GUARANTEE:
Please call 1-877-514-3132 or email info@lakota.ca to receive a refund authorization number.

Once you have received the refund authorization number, download, print, and complete the Guarantee form. You must include details of your experience with Lakota and your original cash register receipt with circled name, date, and price.

Nivea Visage Expert Lift
Not satisfied with the results? Send in the original receipt within 60 days
of purchase ( copies not accepted ) with the UPC # bar code, printed
or written on it, and the purchase price circled. Include full name and
address. Put it in a stamped envelop and mail to:
NIVEA VISAGE EXPERT LIFT – Money-back guarantee,
4727 rue Levy, St-Laurent, Quebec, Canada, H4R 2P9.
Limit of 1 refund for 1 Nivea Visage Expert Lift product (Nivea Visage Expert Lift Day Care, Night Care or Eye Care) per household or address. Product must have been purchased between September 14th and December 31st 2009. Allow 6-8 weeks for
refund.

Always Infinity Pads
*Always Infinity Satisfaction Guarantee: 1-800-398-3766. Satisfaction Guaranteed or your money back. If not satisfied with the performance of Always Infinity, send original receipt and UPC within 60 days of purchase for a refund. Limited to one redemption per household or name; no organizations. Refund is only for the cost of one box of pads plus postage. Allow 6-8 weeks for refund. Call 1-800-398-3766 for details."

Venus Embrace Razors (check save.ca for coupons)
http://venusembrace.ca/en/f you purchased a Venus Embrace razor, and are not completely satisfied for any reason, we’ll refund your purchase price of the Venus Embrace Razor up to $17.00 Canadian**.
To receive your refund, please mail us proof of purchase such as:
  • The original UPC symbol (bar code), which can be found on the back of the product package
  • The original dated cash receipt with the product price circled We will also require you to provide your name, mailing address and reason for dissatisfaction on a piece of paper.
Please Send to:
Venus Embrace Guarantee
Offer # 5400-611
P.O. Box 4018
Chatham, ON N7M 0C8

11/18/09

Money saving list of things everyone can do

Look at the big picture.  It isn't how much money each little thing you do saves but a culmination of your saving lifestyle as a whole.

Here is a list of things everyone can do to save money:
  • Buy Store brands- Usually they are just as good as the brand name (except for ketchup, only Heinz will do!)  If you don't like a store brand usually you can return it to the store with your receipt.
  • Bundle Services- Generally you can save 5%-15% by bundle services.  Check out the package deals with your provider
  • Rebates-I always check for rebates.  A good place to check for Canadian rebates and money back guarantees is www.frugalshopper.ca




  • Insulate your water heater- Dig out your Canadian Tire money and pick one up.  They usually go on sale in the fall for about $30
  • Refinance your mortgage-If the rate is at least 1% less the your current rate check it out on the amortization calculator  
  • Rent Movies from kiosks-You can get rentals at the Movie Cube kiosks for $1.99.  If you register at their site they send you a free movie code to use.  They also send out rent 1 get 1 free codes often. 
  • Read magazines at the library-Most library's have good selections of magazine to read and best of all it's a free read!
  • Never pay bank fees- Bank fees really add up over the course of a year.  Check out ING Direct banking  
  • or President's Choice Financial. (PC Banking is affiliated with CIBC)
  • Replace incandescent bulbs with CFL bulbs-Check the website everykilowattcounts.ca  for energy saving coupons.  They update them a couple times a year and have a $5 off water heater cover coupon in the fall.  In the spring they had $4 off any pack of CFL bulbs and I found a 2 pack at WalMart for $4.


  • Increase your insurance deductible-Check with your insurance provider about how much you can save if you increase your $100 deductible to $250 or $500.
  • Brown Bag your lunch- You know, like when you were a kid. If you buy lunch 3 times a week and spend $7 each time for 50 weeks that equals $1050
  • Check the insulation in your home- Check for drafts around windows, doors and electrical outlets located on outside walls.  Also check if you have enough insulation in your attic.


11/17/09

Saving Money with a Student Price Card (SPC)

Save money, you bet!

Have you ever heard of a SPC? (Student Price Card)
If you are a student you can purchase it on-line  https://www.spccard.ca/onlinestore.aspx  It costs about $10
and you get your choice of a $10 gift from a few participating stores.  Sometimes they have specials where you get two $10 gift cards for your purchase of a $10 SPC.

Not a student but still want to get deals and save money?  Order your LouLou magazine here and you will receive a SPC V.I.P. card that anyone can use, no student I.D. required! 

You can purchase student only version of SPC's at the following stores

Shopper's Drug Mart
1850
Access
the Bay
Bench
Bentley
Buffalo David Bitton
Campus Crew
Champs Sports
Cleve's
Collacut
Designer Depot/
Labels
Hockey Experts
i&F
FedEx Office
Fairweather
Foot Locker
Garage
George Richards
Jean Machine
Jovin
Les Ailes de la Mode
The Levi's Store
National Sports
Pantorama
Payless ShoeSource
Pharma Plus
Randy River
Sport Chek
Tip Top Tailors
Unic
Urban Behavior
Yves Rocher
Zellers



You can visit the SPC site to view deals available in you area!  Some of the ones I use most are are 10% off Zellers,
10% off Ardene, free Lick's burger when you purchase fries and pop, Harvey's 10% off combo, Payless shoes 10% off all regular & sale priced merchandise including BOGO,

11/10/09

Money Saving household cleaners

 O.K., so you have to clean your house, but did you know you don't have to pay big bucks for cleaning products?

How many of you out there have a toilet bowl cleaner, glass cleaner, oven/microwave cleaner, all purpose cleaner, antibacterial cleaner, non-abrasive cleaner ect.. ect.. ect...  I bet you have a shelf full, I use to too!!

There are a few things about my shelf full of cleaners that bothered me.  First off the chemicals,  the lingering scent after you use them and the price.  I started searching for homemade, more enviro friendly products I could make myself.

Some ingredients you will need are:

Spray bottles

Baking Soda- purchase the store brand or from a bulk food store.  Baking Soda makes a great deodorizer and scouring powder.

Borax-(20 MULE TEAM®) Borax is easy to find.  Check your local grocery store/hardware store.  It can be used-
-as a laundry booster to aid in cleaning and deodorizing (1/2 cup added in with your laundry soap)
-to clean a smelly fridge (1 quart warm water/1 tbsp borax)
-to soak diapers 1/2 cup borax in a diaper pail full of water(keep out of the kids reach!)
-sprinkle on a sponge and use it to clean your tub and tiles
-add 1/4 cup of borax to your toilet bowl and swish around before you go to bed and clean in the morning.    Keep the brush in the toilet overnight too!

Washing Soda- Arm and Hammer super washing soda. Available in grocery stores/hardware stores.  It is a great laundry booster deodorizer and water softener (not for use on wool, silk or fiberglass tubs) 
Vinegar, ammonia, and lemon juice.(store brand)


When you are purchasing these ingredients remember to look for sales and check for coupons, coupons, coupons!!  Some items are available at Canadian Tire so it would be a great time to cash in some CT money. 




Money Saving Canadian Mom's Laundry Soap
1 cup of grated soap a cheese grater works well. I use ivory regular bar soap or ivory lavender bar soap.  It goes on sale often and coupons are often available.
 1/2 cup 20 mule team borax
 1/2 cup arm & hammer washing soda
I usually grate a few bars of soap at once.  I then set the grated soap in a pan for a day or 2 to dry out then chop it up really fine in the food processor.  If you are going to do this place a damp towel over the food processor and let the soap settle for a few minutes before opening up the processor.
I love this soap.  I have an LG front load HE washer and use 1-2 Tbsp or this soap per load depending on how dirty the clothes are.  Your clothes come out clean and smell clean not with an overwhelming flowery chemical smell.

Money Saving Canadian Mom's Window Cleaner

Formula #1
2 tsp white vinegar
1 quart water
Formula #2
1 quart of water
1/2 cup vinegar
1 cup ammonia 
Spray on and wipe windows with black and white newspapers
Money Saving Canadian Mom's Microwave cleaner and deodorizer
1/2 cup vinegar or lemon juice
1 cup of water
In a 2 cup glass measuring cup bring this mixture to a boil.  Let it sit for a few minutes to allow the steam to soften any cooked on food then wipe clean.  Pour the mixture down your kitchen drain to deodorize!
Money Saving Canadian Mom's  Drain Cleaner
Pour 1/4 cup baking soda down the drain then pour in 1 cup of white vinegar.  Plug the drain and let sit for 15 minutes.   
Rinse the drain with plenty of very hot water
Money Saving Canadian Mom's All purpose Cleaner

¼ c. baking soda

½ c. borax

½ c. vinegar

1 gal. water

For stubborn messes that require scrubbing you can sprinkle with baking soda or salt and scrub with this solution on a sponge 

Oven Cleaner

I don't go there!!  I love my self cleaning oven.


REMEMBER! 

As with any cleaner first test in an inconspicuous spot.

All cleansers should be stored in tightly covered containers out of the reach of children. Please pay attention to cautionary notes pertaining to dangerous combination's of chemicals
Don't mix homemade cleaners with store-bought cleaners.
Work in a well-ventilated area.
Use the same precautions as with store-bought cleaners - keep them out of reach of children and pets.
If using unmarked bottles and containers, make sure to label them.
Don't use food containers to mix cleaning products.


 








Inexpensive, easy, nutritious family meal!

Shepherd's pie, a family fave and budget friendly too!  You can double the recipe and freeze individual portions to take for lunch.  I estimate this recipe cost about $6 to make and feeds my family of 4 + 1 lunch portion for the next day.  You can make this wonderful meal for the price of 1 fast food burger combo!

* Budget tip-Purchase your spices at bulk stores for the best savings.

1-1/2 lb lean ground beef (sale price $1.99/lb)
6-8 potatoes
1 cup onion chopped
3/4 cup + 1 cup milk (4lt-$3.97)
salt & pepper
2 tbsp veg oil
2 tbsp margerine
2 garlic cloves finely chopped or 1 tsp dried garlic
1 can tomato soup (on sale & purchased with coupon $0.33)
3/4 c dried bread crumbs (store brand)
2 cups frozen peas/corn/carrots (lg store brand bag on sale for $1.99)
1 tsp paprika
1/2 tsp dried thyme
1/2 c grated cheddar cheese (purchase a few large bars when they are on sale for $4-$5)

Boil the potatoes and drain when done.  Mash with 3/4c milk, margarine, S & P.
In a frying pan add the oil, onion garlic, beef, S & P.  When the beef is cooked sprinkle in the flour and stir well. Add the milk and cook until the mixture has thickened (about 7 minutes) Add the can of tomato soup + 1/2 can water.  Add thyme, breadcrumbs and veggies.

Place this mixture in a 9X13 baking dish and top with potatoes.  Sprinkle paprika and cheese.  Bake @ 400 degrees for 1/2 hour.

Coming Next...............Homemade cleaning supplies!

11/6/09

Great Deal Today, 60% off!!

I got a terrific deal today!!  I have been looking for a dress coat for the past few months when ever I go to the second hand store.  No luck on a dress coat for me but I always seem to find something for the kids. I am sure this happens to every Mom, LOL.



I need the coat for tomorrow, I am going to be on a live web cast and want to look good!  Old navy has some great wool dress coats half price starting today.


I just purchased this white wool coat.  It's a classic style and I will wear for years to come for $40!  Good thing I am up to speed on my sales, that's 60% off!

Challenge yourself!

Give this a try.  Challenge yourself to never pay full price.  It's a very rewarding game!

Sale items seem to rotate.  If facial tissue is on sale at the drug store this week, chances are in the next 2 weeks it will be going on sale at another store.  If the deal is super purchase a few, keeping in mind your weekly budget.

Start a coupon stash and stay organized.  I have a "cheque" sized accordion folder(actually 2) and separate the coupons by category.  I go through them once a month and pull out any expired ones.

If you scan your local flyers religiously you should always be able to get the following on sale, clearance or second hand.  If it's not on sale and you really need it check you coupon stash/look for store brands.

  • paper products(diapers, fem. hygiene, facial tissue, toilet paper)
  • Cleaning products
  • dog food/treats
  • baking supplies
  • eating out for special occasions(check local coupon flyers/kid's eat free deals)
  • meat (check sales and get a bit extra for the freezer/purchase marked down meat that still has a day or 2 on it and either eat right away or freeze it)
  • toiletries make-up,deodorant,soap, lotion, shampoo ect.  If you notice you are getting low on a certain item watch your flyers for sales and/or check your coupon stash
  • canned goods/pantry items brand name soup on for 50 cents a can and you have 3 buy 3 cans & save 50 cents off? Great! I have a small shelf in the basement I call the pantry shelf for extras.
  • Vitamins/Medicine I recently purchased brand name kid's vitamins for $1.37 a bottle.  Regular price was $7.99.  How??  They were marked down for clearance and I had $2 printable coupons I got from the manufacture's website.  I purchased the last 5 bottles which should last all winter, and paid less then 1 bottle @ full price and they don't expire for 1 year!  Looking for cough syrup, check sales, coupons or purchase the comparable store brand which is usually quite a bit cheaper. (Ask your pharmacist if you need help, that's what they are there for)
  • Winter Jackets  Sales are everywhere when the season's change.  Consider buying second hand.  I once purchased second hand a Columbia Ski jacket in terrific shape for one of my kids and paid $7, she wore it for 2 years.  It still looks great and I just handed down this same coat to my nephew.  Need snow pants?  I purchased mine on-line from Sears clearance (got sears points too!)in the spring for $9.99 a pair.  Anticipate items your kids will need for the next season, if you find a great off- season deal on snow pants and they already have 2 good pairs at home that will fit do you need a 3rd pair? 

11/4/09

Saving are everywhere, just open your eyes!

There are so many little things you can do to save money.

Just think about that coffee you get on your way to work.  Let's say on average you spend $1.75 on coffee 5 days a week.  In one year just from that 1 coffee a day you are spending $450 on coffee.  If you get a caffeine fix twice a day 5 days a week that is almost $1000 on take out coffee!!


Most people already have a coffee pot at home.  If you don't, coffee pots go on sale all the time, but more often between Oct-Dec for the holidays.

Don"t forget you could purchase a great coffee pot on sale at Canadian Tire and use up your CT Money stash that's in your junk drawer.

Coffee also goes on sale often. **Remember, study your local store flyers!!** You can get a large 925gm can of Maxwell House on sale for $4.99-$5.99.  If you are hooked on Timmy's you can purchase their ground coffee and still save money, gas and time!

Large latte= $4.50 each x5 days x 52=$1170!!  $1170 for 1 latte 5 days a week......Eye opening isn't it??  That is like spending 22% of my weekly grocery budget on coffee.
What do I do?

I have an inexpensive Kenmore brand espresso maker that I purchased at Sears on sale during a scratch and save event(saved additional 10%) and used my sears card and got sears points.  I purchased a few packs of high quality ground espresso at my local grocery store in the clearance bin at 50% off.($3 each).  Next I purchased a small bottle of vanilla coffee syrup at Starbucks using a gift card I got for doing an on-line survey.(Free!)

Now, I have a delicious latte everyday at home!

11/3/09

Welcome!

Welcome to my new Blog, I'm glad you're here!

Why did I start this Blog?

Well, for many reasons.  First off, given today's economic times it is a necessity for most families to pinch every penny. Many people are caught up in what I call "The Game"  If you want something, buy it any way you can.  Borrow money, charge a credit card charging 28% interest, or re-finance  your mortgage.  This is the root of many financial hardships families face today because of over spending.

My family has been able to get by on less and with these money saving tips you can too!

Here is what my family does to stretch the budget:

#1 If you can, wait for it to go on sale.  Eventually pretty much everything goes on sale!

#2 Scope out money saving offers. 
-In-store/on-line rebates
-Special savings events at stores(% off)
-Local coupon clipping booklets for money saving discounts for local services, stores and restaurants
-Sundays newspaper for coupon clipping booklets
-coupon trading (more about that to come later)
-Visit coupon websites such as Save.ca often as the coupons change often

#3 Be diligent about scanning your local flyers

#4 Price Match Items- Find out what stores in your area price match other stores sales.  Some stores will even give you an additional discount if you find a product they carry is cheaper at another store(usually a percentage of the difference between the 2 items)

#5 Ask yourself, "Do I really need this item?

#6 Heating/Cooling Did you know that one simple way to minimize wasted energy and reduce heating costs is to turn down the thermostat while you are out or overnight?  Turing your heat down 2 degrees in the winter could save you approximately 4% on your heating bill!
You can also purchase, on sale of course a programmable thermostat that will do this for you.  All it takes is a few minutes to program once it is installed.


#7 Buy used I started buying used when I was pregnant with my first child.  It is astounding the amount of baby items you can purchase used and look new.  Little ones grow so quickly most clothing items are still in perfect condition when they are done with them.  I remember getting socks and undershirts for $0.25 each, pants and shirts were $.75-$1.50 each
If you aren't stuck on getting all brand name clothing, or all new clothing this will save you a bunch.  I have even purchase items at the second hand store that still had the tags on, one was an Osh Kosh dress that I got for $4. Both my daughters wore it and it will be handed down to my niece and it still looks great.

#8 Buy off season Do you think the guests at your Holiday party know that the fancy paper plates they are using were purchased after the Holidays last year???  $5.99 for 10 plates purchased at 80% off is $1.20 for the same pack.  That is a savings of a little over 5 bucks, after taxes.

#9 Jar that savings O.K, that 5 bucks you just saved.  Take it and throw it into  a jar.  SAVE THE DIFFERENCE!!  Pasta on sale this week and you have coupons?  GREAT!!  If regular price is $2 and is on sale for $1 and you have $.50 coupons that is a savings of $1.50 per box.  Say you purchase 4 boxes, well throw a few toonies into that jar too! 

If you saved $10 a week by shopping sales and using coupons and jarred that money in 1 year you would have $500.  This is a great way to set aside some extra money for the holidays and the savings is so gradually you probably won't even notice it!

#10 Borrow or rent Say you are tiling your bathroom and you need a tile cutter. First, see if someone you know has one you can borrow if not try renting.

More to come!!!