↑
  • Home
  • About
  • Coupon Database
  • Price Comparison Tool

How to Shop For Free with Kathy Spencer

The Coupon Database Extreme Couponing, freebies, coupon, database

  • Deals
    • Find a Deal:

      • Black Friday
      • Glitch
      • Class Action Lawsuits
      • Recalls
      • Victoria’s Secret Deals
      • Baby Deals
      • Pet Deals
      • Online Deals
  • Stores
    • Grocery Stores:

      • Stop & Shop
      • Shop Rite
      • Shaw’s
      • Market Basket
      • Big Y
    • Retail Stores:

      • Amazon
      • Ocean State
      • Kmart / Sears
      • Target
      • Victoria’s Secret
      • Walmart
    • Drug Stores:

      • CVS
      • Rite Aid
      • Walgreen’s
    • Dollar Stores:

      • Dollar General
      • Dollar Tree
      • Family Dollar
  • Freebies
    • Find a freebie:

      • 100% FREE
      • Birthday
      • Black Friday Freebie
      • Money Makers
      • Samples
    • The Latest:

      FREE Vital Proteins Bundle ($45 Value)

      4 FREE Lucky Charms Frosted Flakes at Stop & Shop! ~ NO Coupons Needed!

      48 FREE products at Dollar Tree!

      3 FREE + MONEYMAKER Suave Products!!

  • Coupons
    • Find a coupon:

      • Insert Schedule
      • Coupons.com
      • Savings.com
      • RedPlum
      • Smartsource
      • Retail Coupons
      • Restaurants
      • Couponing 101
      • Database
    • Coupon Database

    • The Latest:

      Shaw’s Preview 01/29 – 02/04

      Market Basket Ad Scan for 01/24-01/30!

      ShopRite Ad Scan 1/24-1/30

  • Forums
  • Ad Scans
    • The Latest:

      Shaw’s Preview 01/29 – 02/04

      Market Basket Ad Scan for 01/24-01/30!

      ShopRite Ad Scan 1/24-1/30

      SmartSource Insert Preview for 01/31

      Stop & Shop Ad 01/22/21-01/28/21

  • recipes
    • The Latest:

      Jack Frost Cocktail Recipe 21+

      Crockpot Chicken Crack Taco Recipe

      The Recipe Shop: New on ShopRite Site!

      Pan Seared Broccoli with Garlic is the PERFECT side dish!

      Classic Green Bean Casserole with a twist!

How to Shop for Free may earn affiliate commission from our posts. Read our full disclosure policy here,

Great Tips from Guest Blogger Maureen Campaiola

May 2, 2011 by Kathy Spencer Leave a Comment

My website and blog is devoted to saving money, spending wisely and changing your overall relationship with money.

Good deals abound and money can be saved in a variety of locations you just need to know where to look and how to ask so you are not wasting your hard earned dollars.

1. Buying Bottled Water

Now I know some of you hard core bottled water freaks are going to give me a hard time on this one, but listen up.

Did you know the top two waters in the country (Dasani and Aquafina) have openly admitted that they are just purified and nicely packaged tap water, making bottled water a fantastic way to waste money?

Yup, that’s right they are just fancy packaged tap water.  So if you are buying Dansani or Aquafina consider making a small investment and buy a water filter such as a Brita and stop buying water that was always essentially free to begin with.

2. Overdraft Protection

When new laws mandated that overdraft protection change from opt-out to opt-in service America’s banks launched a ferocious campaign encouraging customers into overdraft protection and all of its accompanying fees.

Well, it worked because more than 75% of the people using debit cards have opted in for the overdraft protection according to economic research firm Moebs Services.

According to Michael Moebs, economist and founder of the firm, “Just because people are signing up for overdraft protection doesn’t mean they like the fees.  Many just don’t have the resources to go without it.”

Here’s the problem – overdraft protection costs you as the consumer a whopping $35 each and every time you swipe your card and don’t have the money to cover the expense.  If you have 10 of these transactions a year you just wasted $350 dollars.

If you have opted in to overdraft protection call you bank and remove it immediately and get a handle on you money situation.

The only reason someone needs overdraft protection is because they are ignoring their finances.  If this sounds like you, stop ignoring and start paying attention – today.

Here’s a few things you can do right now:

  1. Sign up for online banking if you haven’t already.
  2. Log in each day and check your balances so you know exactly where you stand.
  3. Start paying your bills at the same time each month in order to develop a rhythm and pattern.  You can find out more about this strategy in my FREE report, “Clearing Money Clutter”
  4. Develop a budget and stick to it.

3. Paying For Unnecessary Services

We all have ‘em and many go unused.  Stop and think about this.

  • How many cable channels can a person watch?
  • Do you need ever single extra feature on your cell phone?
  • Are you using your gym membership regularly?
  • Do you read every magazine that is dropped in your mail box?
  • Are you taking full advantage of your Netflix, or TiVo subscriptions?

Now, take a look at what your family is using and make decisions based on actual usage.  What you don’t use, get rid of.  This could save you more money than you think.

Remember, plugging your financial leaks can and will save you big money in the long term.  Money better spent on reducing debt, investing or finally breaking free from the living pay-check to pay-check cycle.

Maureen Campaiola is CEO of Breakthrough Your Money BS.  A recovering spendaholic, chargaholic, and someone tittering on the brink of bankruptcy, Maureen faced her money drama head on and now enjoys the freedom only true money recovery can bring.  She changed her money story…and she’s here to help you change yours!  www.breakthroughyourmoneybs.com 

 Maureen Campaiola, Certified Money Breakthrough Coach

 Get My Simple System to Rid Yourself of Money Clutter So You Can Create the Space to Make AND Keep More Than Ever Before at www.BreakThroughYourMoneyBS.com

 

Filed Under: HTSFF Site Updates

About Kathy Spencer

Get the book!
How to Shop for Free; Shopping Secrets for Smart Women who love to get Something for Nothing!

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.

never miss a deal

subscribe to thenewsletter

Featured Articles

Insane Hack that will change how you Garden this Summer

6 Ways to Get Your Hands on Extra Coupons

Stop & Shop Go Point Rewards Program! 

search

archives

categories

Legal  Privacy Policy  Press
Copyright ©2021, How to Shop For Free with Kathy Spencer. All Rights Reserved.
Design by Pixel Me Designs