Tips for Grocery Shopping After Work

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You need to stop by the grocery store on your way home from work.  Are you hungry, tired, rushed or feeling blah after a busy day?  If yes is the answer put yourself on high alert.  These tips could help you get out with minimal damage: Make a quick list Go to a familiar store Head directly to the items Don’t take a cart or basket Ignore the voice inside…get what you need and get home

Thank You Notes

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Although saying thank you by email is becoming common, mailing a thank you note is worth the effort. It makes a more positive lasting impression. Stock up on thank you notes when on sale . Have children 0-18 years send thank you notes and began the habit early.

Renting vs. Buying

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Is your child the next Beethoven? Or child prodigy?  Before buying that brand new instrument, check out the cost of renting vs. buying.

Insurance Inventory

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Have you completed an insurance inventory lately?  Have you asked about discounts related to smoke detectors, burglar alarms with city permits, fire extinguishers in the home or deadbolt locks?  Even 5% discount would add up.

Holiday Gift Planning

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Do you hear it? The holidays are fast approaching. Fall candy will be on the shelves soon. Now is the time to start planning and making your list and checking it twice. Make a list of people you plan to give gifts to, amount of money you want to spend and begin going through catalogs, shopping online and watching for sales throughout the season.

Design on a Dime

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Have a young person moving out, whether it be on their own or off to college, that needs kitchen or dining room chairs? (or table?)  buy mismatched used chairs and paint all one color to provide a unified look.

Save That Leaky Garden Hose!

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Save that leaky garden hose!  Punch holes in it and use it as a drip hose to water your plants, lawn or foundation.  Sprinklers will require 50-60% more water than a drip hose because of the loss of water to sun and wind as the spray goes into the air.

Use Dryer Sheets as Deordorizers

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Try using a dryer sheet as an inexpensive way to deodorize your shoes, hampers, closets, car and gym bags.

Non-Brand Products

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Yes, it is good to buy non-brand name items, however, if the generic product does not satisfy you, discontinue buying the inferior product because throwing it away is costing you money.

Track Your Expenses

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For three or four months, keep track of where your money has been going.  Look at the categories that cost you the most, typically groceries, entertainment, eating out and clothing.  How can you do some things differently to cut 5-10% from those categories if you want to save money?