Huge News from… Clark Howard

July 10, 2014 by Jean

Good Morning!

I know, I haven’t posted for a while; but, I will be back soon.

Do you follow Clark Howard?  if you don’t you should.  Here is a post I received today from him.  If you are a Wal Mart Shopper this will make your day and save you a lot of money.

Walmart has completely uncoupled the pricing at Walmart.com and at its physical stores…and one is no longer going to be the deal it once was.

Are you feeling the deal love at the retail giant like you once did?

 Huge News from... Clark Howard

Walmart’s Pricing Strategy Is Changing

Here’s a new change to Walmart prices that could save you big bucks.

This post will put money in your pocket.  You must read his  entire article.  You will be more than glad that you did.  Sign up for daily post from him.  He puts out very helpful information in all area that will inform you and save you a lot of money.

Blessings, Jean

 

Crockpot meals: “Freeze now for later”

June 17, 2014 by Jean

Hello to all

I haven’t posted for a while but I just found this site and I am excited about it.  If you are a busy working person or just plain busy with life you know the value of planning.  Planning and preparing meals seems to take up a lot of our time; well, here is a website that has brought us help. The owner is Stefanie, and the site is:   http://therealisticorganizer.blogspot.com/2014/01/organized-slow-cooker-freezer-meals.html.

Stefanie has put together cost effective Crock Pot, slow cooker-freezer meals that will serve you well now and year round.These meals are easy and cheap. She suggest about $100.00 for 14+ meals. Of course the price will vary depending on your shopping habits, such as your use of coupons and sales, shopping at farmers markets etc.  She also suggest that this is not an all day project.  It can be accpmplished in about 90 mins.  I love this idea even if it takes a little longer it will save a lot of time and frustrationl

IMG 1699 Fotor Fotor Crockpot meals:  Freeze now for later

Click here to view the site and get the full instructions from the creator and author herself, Stefanie.

 http://4.bp.blogspot.com/-__fwJtelOVQ/UtkaDGLJ9DI/AAAAAAAADlI/luYIr_z6Xck/s1600/Screen+Shot+2014-01-17+at+6.51.28+AM.png

Thank you for stopping by, I hope you give this a try and let Stefanie and myself know if you do.

Blessings to you all, I will have more soon!

Great Coupon Deals…

May 2, 2014 by Jean

Welcome to  1st Friday Savings and Tips

 

Let’s get busy!  New month, new coupons.  There are still some deals from this week available and some April coupons have been reset.

There are also great deals coming up beginning this Sunday.   Get ready, Get ready, Get ready!!!!!

Get Colgate Total Toothpaste 4-4.2 oz. for 49 cents at Walgreens this week.

On sale for $2.99, use the $1 coupon from the April 27th Smartsource insert to pay $1.99 at the register.

You will get a $1.50 Register Rewards coupon for your next order, so your net cost will be 49 cents each.

 

 

You can get 50 ct Ziploc Sandwich bags for only 83 cents after cash back.  Click here for Cash back savings. Thanks, couponmom.com

 

 

There will be two inserts this Sunday:  Smart Source and Red Plum

These coupons for Allegra products can be found in the Red Plum insert this Sunday, just in time for this allergy season. Don’t miss the article below….it’s all about allergies and tips to help those of us who suffer with allergies.
Allegra $1.50/1 anti-itch 1oz cream (5/31)
Allegra $3/1 children’s product (5/31)
Allegra $3/1 d allergy and congestion product (5/31)
Allegra $5/1 30ct+ product (5/31)

 

New coupons are out : 

Check these websites so you don’t miss any of the deals.  Some coupons have reset from April some have new codes.

http://printablecouponsanddeals.com/High Value: $2 off any One Excedrin Product (No Size Restrictions) (RESET) Plus a CVS deal staring 05-11 ($.49 for the 24 count)   Print this now!!!

coupons.com

couponmom.com

 

Ahh-choo! 2014 spring allergy season may be a harsh one: docs

Don’t be fooled by a slightly later start to your symptoms: The long, cold winter and higher-than-average snowfall mean trees are primed to produce pollen, according to allergy specialists.

Read more here: http://www.nydailynews.com/life-style/health/ahh-choo-2014-spring-allergy-season-harsh-article-1.1728478#ixzz30S1DJ5qm

Start medicating early. The chilly weather may have put your mind off allergies, but allergists advise starting your usual course of medication a week or two before the regular season. “There’s still time to do it now, although the window is closing,” Ehrlich said. Many people will feel better taking over-the-counter antihistamines on a regular basis. In other cases, prescription meds or allergy injections may work better.

Know what you’re allergic to. If you’re experiencing symptoms for the first time, an allergists can tell you whether you’re allergic to trees, grass, mold or something else, which can help you know when to expect the onslaught, Mainardi said.

Take care during spring workouts. “Avoid exercising outdoors at dawn and dusk – that’s the time pollen is the worst,” Ehrlich said.

Keep pollen out of your home. Take off your shoes before you come in from outdoors, don’t throw your clothes on your bed, and take a quick shower to get the pollen out of your hair, Mainardi advised. People with severe allergies should avoid leaving the windows open, but a wall air conditioning unit can help keep spores from entering the home.n

Thanks, tmiller@nydailynews.com

Read all of this article here: http://www.nydailynews.com/life-style/health/ahh-choo-2014-spring-allergy-season-harsh-article-1.1728478#ixzz30Rzc9wqS

Enjoy the new deals and coupons!

Blessings, Jean

Thursday’s Savings and Tips

April 24, 2014 by Jean

 Welcome to Thursday Everyone!

Kroger is making a change starting today.  Beginning today, Thursday-Kroger will offer Senior Day every Thursday which means we Seniors will get an extra 5% off our purchase every Thursday.   Yea Kroger!

 

 Thursdays Savings and Tips
Kroger makes changes to Senior Discount Day
Senior Discount Day is moving to Thursday and seniors will now get five percent off each Thursday of the month.
Thanks, WHAS11 News

 

 

Here is the 4-27 P&G Coupon Insert Preview


Clip here to view them all    4-27 P&G Coupon Insert Preview

Posted: 22 Apr 2014 02:59 PM PDT

4-27 P&G Coupon Insert Preview Sunday Coupon Preview Regional coupon inserts & value differences are to be expected! (x) before coupon = multiple of same coupon ETS = excludes trial sizes P&G Insert Coupons (Expire 5/31/14 unless noted) Most Coupons will be ETS. Always $.50/1 pad, pantiliner 30ct+ or feminine wipes Always $1.50/2 pad, pantiliner [...] Thursdays Savings and Tips

 

This information was sent to me by a retired Michigan Fire Chief….please print it out and keep it in your car and a copy in your purse.   You never know when this information will be of help to you or someone else.

If you use a cell phone this is a must read. In fact I printed out a copy and put one in each of my vehicles and one by the cell phone charger.  
CELL PHONE INFO – PRINT – KEEP IN YOUR CAR
Four things you might not have known about your  Cell Phone
 
For all the folks with cell phones. (This should be printed and kept in your car, purse, and wallet. Good information to have with you.)
There are a few things that can be done in times of grave emergencies.  Your mobile phone can actually be a life saver or an emergency tool for survival.
Check out the things that you can do with it:
 

 FIRST   
(Emergency)
The Emergency Number worldwide for  Mobile   is 112. If you find yourself out of the coverage area of your mobile network and there is an Emergency, dial 112 and the mobile will search any existing network to establish the emergency number for you, and interestingly, this number 112 can be dialed even if the keypad is locked. Try it out.
 
SECOND   
(Hidden  Battery   Power)
Imagine your cell battery is very low. To activate, press the keys *3370#. Your cell phone will restart with this reserve and the instrument will show a 50% increase in battery. This reserve will get charged when you charge your cell phone next time.
 
THIRD   
(How to disable a STOLEN mobile phone? )
To check your Mobile phone’s serial number, key in the following Digits on your phone:     *#06# .
A 15-digit code will appear on the screen. This number is unique to your handset. 
 
Write it down and keep it somewhere safe.
If your phone is stolen, you can phone your service provider and give them this code. 
 
They will then be able to block your handset so even if the thief changes the SIM card, your phone will be totally useless. You probably won’t get your phone back, but at least you know that whoever stole it can’t
use/sell it either. If everybody does this, there would be no point in people stealing mobile phones.
   
And Finally….
FOURTH   
(Free Directory Service for Cells)
Cell phone companies are charging us $1.00 to $1.75 or more for 411 information calls when they don’t have to. Most of us do not carry a telephone directory in our vehicle, which makes this situation even more of a problem. When you need to use the 411 information option, simply dial:
(800) FREE 411 or (800) 373-3411 without incurring any charge at all.  Program this into your cell phone now. This is sponsored by Mc Donalds.
This is the kind of information people don’t mind receiving, so pass it on to your
family and friends.   Thanks, MC Donalds

 

 Stay safe and Blessed, Jean

 

 

 

 

Computer Hackers Are Out To Get Your Information

April 16, 2014 by Jean

 

Here is a warning post I received from Komando.com -computer hackers are out to get us. I hope you are changing your pass words and making them harder to hack.  If you don’t know what to do to change your pass words or if you don’t know which ones to change; visit this site there is a list of what you need to change and how to go about it.

 

Hackers now targeting your router | Komando.com

Yes, it’s possible and it’s happening. Take a deep breath. Here’s what you need to do to secure your router and save money too..

http://www.komando.com/columns/244836/hackers-now-targeting-your-router

 Computer Hackers Are Out To Get Your Information

Happy Tax Day!

April 15, 2014 by Jean

 

Happy Tax Day!

Take a look at this, if you have researched your ancestors you now how important every little bit of information you can find is.  Read this old blog post on Researching Ancestors in the Direct Tax of 1798. There is so much information but it is like finding a needle in a haystack.

 

Click below to read:

http://bit.ly/direct-tax-1798

Thanks, Family Tree Magazine

Enjoy!

Blessings, Jean

 

Good News for Couponers

April 10, 2014 by Jean

 

Good News for all users of coupons!

Makers of consumer staples are resorting to aggressive discounts to overcome an unexpectedly persistent problem: Their industry is barely growing.

For decades, Americans’ purchases of basics like laundry soap and toothpaste roughly kept pace with the rate of growth in the overall economy. But that rule of thumb no longer applies, which is bad news for billion-dollar brands like Tide and Colgate.

For the past three years running, unit sales of consumer products have been largely flat, according to market research firm Nielsen.

Many segments are affected by changing preferences, habits and spending priorities. People are eating less cereal and drinking less soda. Razor blade sales are down as many men shave less or grow beards. Pre-measured laundry soap capsules and higher-efficiency machines require less detergent. And more people are choosing freshly prepared food over packaged fare.

Read the entire article here….stay informed

http://finance.yahoo.com/news/discounts-piled-americans-buy-fewer-001900253.html?soc_src=copy

Enjoy!

Blessings, Jean

Bargains, Cleaning Tips, Coupons, Tax Tip,Recipe,Deals,and Freebies

April 2, 2014 by Jean

Good Morning….Welcome to savings $$$$$$$$$$!

 

How to clean your cookie sheets–You will love this tip!

Kitchen “Miracle” Cleaner! You put about 1/4 cup of baking soda in a small glass bowl and squirt in hydrogen peroxide until it makes a nice paste. Then you rub it on the offending dirt/stain/grease…whatever! You can usually just use your fingers…but you can also use a small sponge as well.

Click here to see the pictures:      Thanks, Sue Grabloski Gurney‘s photo.

 

Rimmel EyeShadow Only $0.50 at Dollar Tree!

 If your Dollar Tree carries Rimmel Eye Products you are in luck, make sure you print out the coupon at coupons.com and take it there so you can snag some Rimmel Eye Shadow for FREE! WOW!

 

Walgreens: 2 FREE Butterball Chicken Broth

Now through 4/5 you can pick up 2 FREE Cans of Butterball Chicken Broth at Walgreens after the $1/1 Any Butterball Product coupon! All you have to do is take the quiz.at the site..Thanks,Raininghotcoupons.com

 

 

 

Tax Tip

When you file a tax return, the IRS doesn’t ask you to staple receipts, bank statements or other paperwork to the back of the return. It’s tempting, then, to think that you should feed these documents to the shredder. Bad idea! It’s true, the odds are in your favor that you will never have to show the IRS proof, but don’t take the chance.

You can file your Federal taxes for free using Turbo Tax software on-line.  Visit the sire to get all the details.

 

 Bargains, Cleaning Tips, Coupons, Tax Tip,Recipe,Deals,and Freebies

Turbo Tax, is the #1 best-selling tax software brand and you can now use their online software for FREE to prepare, print and e-file your Federal Taxes!  Also, Turbo Tax Guarantees you’ll get your biggest tax refund, with 100% accurate calculations, free help, and step by step guidance so you are confident your taxes are done right.

 

Frugal Homemade Sloppy Joe Type mix

You will need:

1 medium onion

1/4 cup of chopped green pepper

1/2 cup of chopped celery

1 pound of ground meat – beef, turkey, or chicken

1 teaspoon of salt

1 teaspoon pepper

1 can of chicken gumbo soup

2 tablespoon of ketchup

1 teaspoon Worcestershire  sauce

hamburger buns

Heat up some butter or oil in a pan and saute the onion, green pepper, and celery. Cook for about 6 minutes. Add the ground meat , salt , and pepper. Cook it up until the meat is all broken up and not pink.

Add the soup , sauce, and ketchup. Simmer for about 30 minutes and then serve on the buns. Thanks, Preparedforsurvival.com

 Bargains, Cleaning Tips, Coupons, Tax Tip,Recipe,Deals,and Freebies

Seventh Generation Coupon

You can stock up on liquid dish soap when you print the new coupon available for Seventh Generation. You can print two of them at coupons.com

  • $1.00 off Seventh Generation Liquid Dish Soap

Seventh Generation Printable Coupon

This coupon is from Coupons.com which means you will be able to print two copies. Once you have your coupons you can take advantage of the following deals.

Use this Target Deal Scenario to get your Dish liquid for .19

Seventh Generation Dish Liquid (25 fl oz) for $3.19
Earn $1.00 with Ibotta  https://ibotta.com

Ibotta is a free mobile app that gives consumers a new way to earn money when they shop. Ibotta pays users cash rewards for learning about their favorite products.

Use $1.00/1 Seventh Generation Coupon
And use $1.00/1 Seventh Generation Target Coupon
Final Price = $0.19  Thanks, freesnatcher.com

6 Frugal Cleaning Tips you will love

How to clean naturally with food you already have in your home.
Click here to view the video:  http://img.food.com/fdc/img/video/cleaningtips.jpg

Thanks, Food.com

Enjoy!

Blessings, Jean

Tips Frugal Ideas Coupons and Bargains

March 31, 2014 by Jean

Welcome to today’s Iwishmamhadtoldme blog!

We have Tips, frugal ideas, bargains, coupons and information to help you save more of your hard earned money. We are 15 days away from…”TAX DAY” so I thought I would share some of the things we need to know before we file our taxes.  Be sure you use a  person or company that knows tax laws.

Credit Tip

Check your free annual credit reports for errors. There are three free reporting agencies. Experian, Equifax and Transunion Check here to get access to your free annual credit reports . You may request a report from each of the agencies once a year. I always request one each 4 months that was because the differ sometimes you get a good picture of your credit and if there is negative reports yo can catch them. Speaking of credit cards, do not carry a zero balance it will negatively affect your credit. This is something I recently learned. If you find something negative say a bill you paid off but is still shows up as a negative you can ask the creditor to remove the negative information from your credit report.  Call them or write them a letter. . We are 15 days away from...”TAX DAY” so I thought I would share some of the things we need to know before we file our taxes.  Be sure you use a  person or company that knows tax laws.

10 things you need to know before you do your taxes this year

By: Melissa Hincha-Ownby

1. Easier home office deduction

For work-from-home warriors, the home office deduction can help reduce tax liability. Unfortunately, the concern about the deduction raising red flags at the IRS has deterred some home-based workers from claiming this deduction. In addition to audit concerns, the process to calculate the deduction was complicated. One of the highlights of the new simplified option is that taxpayers can take a standard deduction of $5 per square foot. For more information, visit the IRS website: Simplified Option for Home Office Deduction.

2. Joint federal returns for married same-sex couples

Gay marriage is a divisive topic for many, but not for the Internal Revenue Service. Starting with tax year 2013, married same-sex couples in one of the 17 states that have legalized gay marriage are able to file their tax returns under the married filing jointly status. For more information, read the IRS FAQ for married same-sex couples.

3. Higher threshold for medical deductions

Prior to tax year 2013, medical expenses in excess of 7.5 percent of a taxpayer’s adjusted gross income (AGI) were deductible. This threshold has been raised to 10 percent for the majority of taxpayers for tax year 2013. The only exception is taxpayers who were aged 65 or older at the end of 2013, to whom the 7.5 percent threshold still applies.

4. New tax rates for high-income earners

High income earners, which can be defined as those who earn more than $200,000 ($250,000 for married couples) are paying more in taxes – and the increase isn’t just limited to income tax. The top income tax bracket increased from 35 percent to 39.6 percent, but other increases include an additional 3.8 percent tax on unearned income and additional 0.9 percent Medicare tax.

5. Higher personal exemption

The personal exemption increased by $100, to $3,900 for tax year 2013. This exemption applies to eligible taxpayers and their dependents. However, a new phase-out rule is in place that limits the amount of the exemption for high-income earners.

6. Itemized deduction and personal exemption phase-outs

High-income households are also being hit with new itemized deduction and personal exemption phase-outs. These itemized deduction changes may impact charitable contributions, mortgage interest, state, local and property taxes and more for individual taxpayers with an adjusted gross income (or AGI) higher than $250,000 and joint filers with an AGI above $300,000.

7. IRA contribution cap increase

Taxpayers aged 50 and older can now take advantage of a higher cap on Individual Retirement Account (IRA) contributions. Taxpayers who meet the criteria can now contribute up to $6,500 annually. IRA contributions for the 2013 tax year can be made through April 15, 2014.

8. Flexible Spending Arrangements limits

Prior to tax year 2013, the IRS did not impose a cap on contributions made to a health flexible spending arrangement account (FSA). According to the IRS, “Health FSAs are subject to a $2,500 limit on salary reduction contributions for plan years beginning after 2012. The $2,500 limit is subject to an inflation adjustment for plan years beginning after 2013.”

9. Standard mileage rate

The standard mileage rates used by the IRS have increased for tax year 2013. The standard rate for a personal vehicle used for business is now 56.5 cents per mile. The rate for a vehicle used for transportation to receive medical care or for moving is now 24 cents per mile.

10. Changes for the coming year

There were several federal income tax deductions and credits that expired at the end of 2013, and while these changes won’t impact your 2013 tax return, this information will be helpful for 2014 tax year planning. Deductions and credits that expired include:

 

http://takecoupons.net/restaurantscoupons/item/red-lobster-coupons <<<<<<<<
$10 OFF 2 Lobsterfest entrées
Offer expires: April 13, 2014

Red Lobster coupons or printable coupon – March 2014
takecoupons.net
Free Red Lobster coupons and discounts

Prepare For Spring…it’s Coming!

March 27, 2014 by Jean

Good Morning and welcome to Thursday March 27, 2014!

Where is Spring? Have you seen it in your area?  Well, I certainly have not.

If you do see it; please ask it to visit Ohio really soon.

I can’t wait to see it.

While we are waiting here are a few things we can do to get prepared for spring; because it is really coming!.

 

1.  Get your spring clothes ready.

Mary Pankiewicz gives this suggestion….”So my suggestion to them is to divide and conquer. On a Saturday morning do your shoes, at other times do your slacks. People have told me that breaking it up into small projects has changed their life.”
— Mary Pankiewicz, professional organizer and author of Clutter-Free & Organize      Read more: http://www.rd.com/slideshows/spring-closet-cleaning-14-ideas-from-professional-organizers/#ixzz2x9Djp7Qy

2.  Begin packing away your winter clothes.

3.  Buy seed, plant them inside to be transplanted later.

Go here for tips on how to start your garden inside http://www.almanac.com/content/starting-   seeds-indoors

4.  Turn your heat down…maybe not off!

5.  Get out your umbrella and rain boots.

6.  Plan a trip to the zoo before it gets too hot.

7.  Look for garage sales…attend a flea market or farmers market.

8.  Make a plan for Easter egg dying, purchase your supplies now at the dollar store.

Go here for ideas: www.pinterest.com/thediydreamer

9.  Take a walk outside….really!

10.Look for a cute Easter dress for your little girl at your favorite discount store.

11.Make those needed repairs around the house.  Look for a carpet cleaning sale and book early.

12.Clean your deck and grill.

View this how to video:  www.youtube.com/watch?v=rqUsyxL9ClU

 

Enjoy!

Blessings, Jean

 

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