Save Money with Jan. Saving money Everyday.
RSS feed

Disclosure

We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.

Sign Up Form






Sign up for my email list to receive money saving ideas!

We respect your email privacy

Ebates

Ebates Coupons and Cash Back
 
  • Get Your Finances Organized!

    Posted on January 30th, 2018 Jan No comments

    So, we’re almost at the end of January 2018 and if one of your resolutions was to get your finances in order I hope you’ve started working on it by now.  If not, don’t fear – you still have time!

    Some people simply can’t keep up with their finances because they aren’t as organized as others.  That doesn’t make you a bad person, it just means you have to work harder to keep up with the finances in your household that some people would.

    I used to be the worst at getting things organized in my home and I don’t mean just the finances!  When I’m at my 8:00 – 5:00 job I am one of the most organized individuals you’ll come across.  But get me to my house and holy smokes – hold on to your hats because it wasn’t pretty at all.  But that has all changed!

    I got divorced and had to learn pretty quickly how to keep up with what was going on in my financial life in my own house.  I had to come up with a system that worked for me and the first thing was putting together a budget.  UGH!  We all hate those because we feel like we’re restricted to go by that budget – but in reality, your budget will change as your circumstances change.

    I’ve put together a list of things that are important to keep up with when it comes to finances so you always know where you stand.  Some of it might seem a little silly when you first read it, but trust me – it all matters. Read the rest of this entry »

  • Your Electric Bill Shouldn’t be as High as Your Mortgage!

    Posted on January 24th, 2018 Jan No comments

    When you get your electric bill does it seem like – during the winter and summer months – it’s almost as high as what you pay your mortgage company?  It happens sometimes, but really, it shouldn’t.

    If you’re like me, you’ve tried to cut back by turning off lights when you leave a room or by making sure the television is turned off when it’s not being watched and these things might have helped some, but not as much as you thought they should.  Maybe there are things you can be doing that you haven’t yet considered.

    In the summer months try switching your thermostat to 80 degrees.  It might sound hot, but use your ceiling fans and buy some free standing fans that can help to move the air around for you.  When you use your ceiling fans in the summer make sure they blow down.  And did you know that using fans can help save you around $600 each year – that’s $50 per month.

    You can also wear fewer clothes in the summer while in the house.  Again, 80 degrees for your thermostat might seem high, but when you have on fewer clothes then it won’t seem too bad at all – particularly if the temperature outside is 90 degrees.  It will actually feel cooler.

    In the winter months set your thermostat at around 68 degrees or lower.  Wear layers and sweaters to keep warm and keep a throw or blanket on the couch for when you are watching television.  You don’t have to freeze in your own home, but you also don’t have to spend a ton of money to heat it.

    Consider purchasing small space heaters.  They don’t use as much electricity and it allows you to set your thermostat lower.  Take it from room to room so you’ll be warmer in the room you are in at the time.  There are a variety of types and looks that you can choose from.

    The big thing electric companies will tell you to do is to set it and forget it, but if you are going to be gone on vacation or gone over a long weekend it’s best to just turn it off.  Turn it back on when you get home and it should kick right on and have your house cooled off or heated up in no time at all.

    Always replace your air conditioner filter at least once a month.  If the filter is dirty then your air conditioner will work harder which in turn will increase your electric bill.  Clean all of the registers in your house so that air can flow through them easily like it should.

    Check all of your air ducts to make sure they don’t have any leaks in them that heat or air can be escaping through.  If you have an older unit then the duct work will be older which makes it more susceptible to holes or tears. Read the rest of this entry »

  • Get Your FREE Credit Report!

    Posted on January 13th, 2018 Jan No comments

    Credit Report

    I wanted to check in with you today to remind you that it is time to get your FREE credit report for this year.

    You are entitled to a FREE copy of your credit report ever single year from all three of the largest credit reporting agencies; Equifax, Experian, and TransUnion.  However, you don’t have to contact each of them separately; you can simply go to www.AnnualCreditReport.com (AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law {from their website}) to receive all of them.

    Once you have received your credit reports look them over completely.  There might be information on one that isn’t on another, but as long as the information is accurate and all of the accounts on the report are yours, it doesn’t matter.  Some companies report to only one agency while others report to all three.

    If there is anything on your credit report that doesn’t belong to you, follow the steps with each reporting agency to have it removed.  It generally takes them about 60 days to do an investigation and if they find the information isn’t true they will remove it.

    It is also important to do this because of the high rates of identity theft.  If you notice several credit cards or loans in your name that you weren’t aware of, you could be the victim of identity theft.

    The reports are Free and you ARE entitled to a copy of each one every year so make sure you take advantage of that.  You never know what you might find on there that doesn’t really belong to you.

    Now, I’m off to get my free credit reports right now!

  • Happy New Year

    Posted on December 31st, 2017 Jan No comments

    Another new year is upon us and I hope you have planned for a fantastic financial 2018!  As for me, I’ve already set in motion some planning for 2018 and am hoping to see more success this year with my finances than I did last year.  I’ve learned some new ways to save money as well as some new ways to make additional money to supplement my income.  I’ll be sharing a lot of both with you this year as we move through the year together working toward financial success!

    Hopefully, you too have come up with some new money saving strategies that you can put to use to help you succeed in 2018.  If you are having a little trouble getting started then you should consider getting your copy of my book Creating a Savings Plan.

    Creating a Savings Plan

    This book puts a positive spin on helping you to save money each and every day.  It’s not the same old boring “set up your budget” book.  Instead it shows you the joy you can feel when you save money on everything in your financial life.  You will learn to set up your “fun budget” and learn ways to spend your money a little more wisely.

    I want to see every single one of you reach your financial goals in the year of 2018 and I’m here to help you with whatever questions you have.  If you email me, I will personally respond to your email and do everything I can to help you.

    Your financial success is VERY important to me and I want 2018 to be the best year you’ve ever had!  Respond below with all of your financial goals and plans for 2018 and find out where others are headed also!  You can give and get great ideas from others to help you through!

    Live Frugal and let me know how you are doing!

  • Save Money by Shopping Early for Christmas!

    Posted on November 13th, 2017 Jan No comments

    Save money

    I used to be so proud of the fact that I could get all of my Christmas shopping done before Thanksgiving but now, for most things, I’ll wait a little longer to shop.  Why?  Because I can get great deals on Black Friday, Cyber Monday and I can get free shipping on everything.  If a company doesn’t offer me free shipping then I will purchase the item somewhere that does.  It’s that simple.

    I was probably paying out a lot of money by not waiting just a little longer.  But, by shopping throughout the year I was able to get some gifts while I was out browsing for other items.  This is particularly easy if you shop for children.

    Another thing I do if I’m going to buy clothes for others (which I don’t do much) then I’ll buy for the following year when all the sweaters go on sale from this year.  Yeah, it’s kind of like cheating, but I do it anyway.  I mean, what better time to stock up on sweaters for next year than waiting for them to go on sale this year??  It’s a win-win for everyone!

    Now, when I say “early” in the title of this article I mean it’s important to shop starting in November when the Black Friday and Cyber Monday specials come along.  You can save money and you’ll be finished shopping before you know it.  Have your list ready to go when you start and get everything you can to get the best deals.

    One other word of advice I will offer is to go through Ebates to do all of your shopping.  Stores will offer cash back – and yes, that’s real dollar bills – for the money you spend through them.  Some do 2% but there are some who give back 6%.  I have never shopped during one holiday season since signing up with Ebates and I’ve gotten my “big fat check” from them each and every year.  Do it and if you are new you’ll get a bonus gift card just for signing up!!  Yeah, seriously! Read the rest of this entry »