Monday, November 23, 2009

Black Friday and Cyber Monday Deals




Black Friday and Cyber Monday deals seem to start earlier and earlier every year. Here are twelve sites to help you get a head start.

Black Friday

The Black Friday

BlackFriday.info

Black Friday 2009

Black Friday Ads

Black-Friday.net

Black Friday.com

Cyber Monday

Cyber Monday 2009

Best Cyber Monday Sales

Cyber Monday.net

Cyber Monday.com

Cyber Monday Central

Cyber Monday News

Happy Shopping!

Saturday, November 21, 2009

Weekly Roundup


Casinos advertise help for gambling addicts and I have actually seen AA ads in bars. Help With My Credit is the concerted effort of major credit card companies to help “educate” you while you are struggling to make payments. What’s not to trust here?

Energy Star is one of the few US Federal websites that I actually have bookmarked and use occasionally. They have some good money saving ideas on heating and cooling your house, among other money saving topics. If you have never visited, or it’s been a while, check them out.

If you are a crafter, quilter or sewer you might already know about Shoppers Rule. If not, what are you waiting for?

I had to chuckle a little at this one. If you are of a certain age, lets start with around 40, you might find Evernote to be helpful. You just have to remember where you bookmarked it.

Post of the Week – A personal finance post I found to be exceptional.
Since our kids are grown I don’t think much about saving money and babies, but this article about baby products you don’t need caught my attention.

Need to convert? No, this site does not address religious matters; I’m talking from HTML to PDF. Here is a free program to accomplish that that you don’t even need to install.

The next time you’re thinking about buying new electronics head over to Gazaro. They can provide price trending, price drops, reviews and more for what you are looking for.

Weekly Reminder – A reminder of a useful article you might have missed.

Here is a brief article I wrote pointing out some work at home ideas.

Friday, November 20, 2009

What We Buy Used Vs New


It might be because my wife grew up with so little and I was brought up in a frugal home that it just came naturally to us to buy used. The few pieces of furniture and household items that we brought from our single lives into our marriage were mostly hand me downs from our families. As we lived in and moved from apartment to apartment we started to accumulate a little more here and there, all the while learning about where and what to buy used.

We now own an 83 old story and a half house full of used furnishings with three used autos in the driveway and a garage full of mostly used tools including a used snow thrower and lawn mower. While wondering about how to approach an article on buying used items to save money I got to thinking about the things that we bought new, as well. So it morphed into a new verses used piece, which might be more helpful anyway. Or maybe not. Anyway, here it is: my comparison of what we buy new verses used and why.

Automobiles
This is a no brainer I have written about before. Check out How to Buy a Used Car for my opinion on that subject. Hint: Don't do it.

Clothes
When our kids were preteens it worked perfectly to buy used clothes for them, or for them to receive hand me downs from family. Once they entered the magical world of teenhood they would instantly break out in a rash at the thought of wearing used clothes. As for us we have no problem at all buying and wearing decent used clothes, usually found at thrift and consignment shops. I have to admit my wife has an affinity for Penny’s, Kohl’s and Younkers but I probably balance out the used equation because I rarely buy clothes, and when I do I check the thrift shops first.

Furniture
The fact that some of our furniture was picked up off of the curb might give a clue to what side we fall on in this category. The front porch has wicker chairs that were curbed, and a shelf bought at a flea market. As I began to mentally go through the house thinking of what furniture was new verses used I decided it would be much easier to just list the new: the loveseat and ottoman, the kid’s beds and a lamp. If it’s clean and in good shape (and sometimes free) why buy new?

Movies and Music
There are a couple of used CD and DVD stores in our area where we buy the majority of our movies and some CD's. New release movies we know we want to own are bought new, of course, as well as music, but usually we can wait and copy the CD from the library. Internet MP3 downloads and iPods are not for me. I just can't take the awful compressed audio quality. Sorry, but Ozzy will never sound better than being blasted via vinyl or CD through my Cerwin Vega speakers. Unless in concert.

The Kitchen
This one is mixed. We have Pampered Chef stuff that was all bought new or received as hostess gifts, thanks to my wife going through several Pampered Chef phases, while some other things are used. All of our drinking glasses, cups, plates and casserole dishes are used while the blender, slow cooker, mixer and electric knife all came to us new, usually as gifts. We just received a used coffee maker, so we really are all over the board in this category.

Appliances
There was a time, early on, when our budget only allowed us to buy used washers, dryers, refrigerators, etc. Today we will only buy new. All of the above mentioned as well as our stove and deep freezer were bought new. Considering the quality, affordability and longevity of life you get with most modern large appliances we have decided buying them new is the most cost effective way to go, especially with almost yearly manufacturer improvements in efficiency. The stove we bought used that turned out to be infested with cockroaches might have been a turning point in our thinking on this one, too.

Books
My wife and I both love to read, so much so that we really could not afford to buy our books new. The special ones we know we will keep and add to our collection are usually on our Christmas lists. Specific new releases we want to read but not necessarily buy we will check out from the library. Otherwise it’s flea markets and the Half Priced Book Store for us, where you never know what you will find.

Electronics
All of our current electronics were bought new, with the exception of our refurbished desktop computer. As was the case with most everything in our early days my wife and I would buy TV’s and stereos used, usually at garage sales, but today we buy all of these items new. I think it’s because we hold onto and use them for so long, usually until they break, that we don’t think twice about “treating” ourselves to buying them new.

When and Where
When we buy new we will wait for some kind of a sale or special offer. When buying used we target garage sales and moving sales. Sometimes the best deals can be found on the last day of the sale when people are needing/wanting to get rid of the stuff and will let it go for very low prices. Flea markets and thrift shops are another good source, as well as consignment shops and auctions. Letting your family and friends know you are looking for something specific can lead to good deals and freebies, too.

So when it comes to buying new we go with appliances and electronics every time. Most everything else we are fine buying used, and what’s not to like about buying inexpensive, quality items that someone else paid full price for?

Wednesday, November 18, 2009

Focus On: MSN Money


This is the last of a series of brief reviews of personal finance and frugal websites and blogs. Next month I will be introducing some new features to replace it.


The MSN Money website offers articles, tips and advice on banking, investing, personal finance, taxes, real estate, autos and careers. And that's just for starters. Also found on the site are several financial tools such as calculators, planners and estimators. Make sure to visit their Smart Spending blog as well, which serves as an aggregator of money saving tips from MSN Money and other websites.

Monday, November 16, 2009

Ten Best Home Improvement and DIY Sites


Whether you are faced with a fix it emergency or are wanting to plan a future home improvement project it is worth being prepared with accurate information. I have several home improvement books that I bought years ago that I still refer to from time to time but I have found the Internet offers the widest and most comprehensive instructions I can find. With no further introduction needed here are my favorite home improvement and DIY sites.

DIY Network – This companion site to the TV network offers thousands of pages of easy to follow instructions as well as an extensive video library.

Handyman USA – This site covers everything from automobiles to gardening to wallpaper. They also offer a Handyman listing in case you can’t do it yourself.

Home Tips – Don Vandervort offers plenty of tips as well as a searchable forum.

DIY Chatroom – If a project has you stumped visit this site to search their forums or post a question for their large online community to answer.

Instructables – This fun site breaks the mold of usual offerings by providing DIY information on everything from food to tech to how to make a Gene Simmons Destroyer costume. Seriously.

5min – If short video presentations are more to your liking this is the site for you. They say they have “tens of thousands of videos across 20 categories and 140 subcategories.”

DIY Ideas – No list like this would be complete without mentioning the Better Homes and Gardens DIY site.

Ask the Builder – Tim Carter has been answering home improvement questions for years and shares them on his website. The article comments left by readers usually add value to the project being discussed.

This Old House – After 30 years of restoring old houses on the TV show this site has quite a bit to offer. I like the tool review section.

Bob Vila – It would be some kind of a DIY sin to omit Bob from the list. The former host of This Old House shares his home improvement expertise with articles and videos and provides a reader Q & A forum.

Related Reading:

Do It Yourself Clubs

How to Save Money by Salvaging

Borrow, Rent or Share Those Tools

Saturday, November 14, 2009

Weekly Roundup


City Squares is an interesting site that profiles local businesses that might not have a web presence. Type in your town or city and you might find some hidden gems in your own neighborhood.

Wouldn’t it be nice if all that time you spend on social networks could make you some money? Spiff Box might be what you are looking for. They have a points system that could earn you money by “responding to emails, chats, friend invites and sharing photos!”

Post of the Week – A personal finance post I found to be exceptional.
The Dollar Stretcher offered a great article reminding us of the value of haggling, negotiating, bargaining and bartering.

Visit Flu.gov for answers to your flu questions and to use their flu shot locator.

Half Off Deals “currently has over 41,000 half-priced gift certificates for sale from merchants all across the country.” Visit their site and search for deals in your area using your zip code.

I have subscribed to the Ask The Computer Lady newsletter for years. Her question and answer format concerning computer issues is easy to read and full of helpful hints and tips. Make sure to check out the archives on her site, too.

Tired of getting all of those catalogs in the mail that you don’t even look at? Save a few trees by using Catalog Choice to opt out of the ones you don’t want.

Weekly Reminder – A reminder of a useful article you might have missed. Are you looking for a new recipe, or wanting to duplicate a favorite restaurant meal? Check out this post listing a variety of web recipe sites.

Friday, November 13, 2009

Don't Forget the Newspaper for Good Deals


The first few years of our marriage found my wife and I scrounging to save money and find deals, and one of our trusty standbys was the local newspaper. The Sunday edition was our favorite because of the load of coupons that came with it, and remains so to this day. While many today might not think about the lowly, archaic newspaper as a place to find anything but yesterdays news, this is a quick reminder of what you might find by picking one up.

Manufacturers and local grocery store coupons

Movie specials

Sports park coupons

Free classified advertising for items under a specific value

2 for 1 restaurant meal deals

Announcements of grand openings giving away freebies (sometimes including food)

Volunteer opportunities

Garage Sale listings

Employment listings

Many of the mid to large size papers also maintain a web presence worth a visit for additional deals and links to other sites.

If it’s been awhile since you’ve picked one up give it a try, you might be surprised at how relevant they still are.