Saving Money: Tips for Trips

Saving money can be tedious. It can be a pain in the read. It can be confusing. Over the past 6 years or so, I have learned to channel my energy into saving, instead of random spending. It started out small- saving for a camping trip. That particular year included the added expense of camping gear.

 All of the photos were taken on various small vacations we took in the summer of 2012. Over the course of the summer, I spent $1700 on vacations. All of it came from saving.

 Here are my tips-

1. Know your trip. Plan it out, down to the smallest detail. Why? Because you need to know how much money is needed. If it's a trip that might include cost changes between planning and going, plan for them. For example- if I start planning my Summer 2014 vacation in September 2013, I know that the cost is going to be higher. I try to add in $50/day to account for increased costs. Later on, when it's getting closer, you can adjust your budget to reflect the actual prices. But to get started, you need to know your costs- everything from hotel down to gas money, souvenirs, and food.

2. Set a date. Make sure it's realistic. If you know your trip is going to cost $3,000 to go on, and you know you can save $300 a month, plan it for at least 10 months away. You may be able to save faster, but don't count on going sooner. That's when you get discouraged, and upset if it gets closer and doesn't look like it will happen. Take your time. Big trips take money, and money takes time.

3. Cut the Fat. Are you trying to take your family on a big vacation on a small budget? Trim out extras you don't need- either on the trip, or in your day to day life. The bonus of cutting out $40 in extra's a week in daily life, is that it add's up fast. Skip the morning coffee. When you get gas, pay at the pump- you won't be spending money on extra goodies. Pack a lunch of left overs. Call your cable company- see if you can trim out anything you don't need. Same with your phone- we recently realized we were over paying on our data plan by $20/month. It isn't much, but it adds up.

4. Learn to coupon. Coupons don't always fit every lifestyle, but they are helpful- whether it's saving $10 on your oil change, or getting a $20 gift card for getting a prescription at your grocery store pharmacy. That's $20 in groceries, and $20 you can stash in your trip fund. Check your weekly circulars. Sometimes you can snag free bath & body products. Every little bit saved is a little bit more into your trip fund.

5. Budget your weekly spending. Set a grocery budget, and stick to it. Try and get under it as often as possible. If you have a weekly budget of $100, and you only spend $60, put $40 in the trip fund. Budget your weekly gas- if you know it will cost $45 a week going to and from work, plan on $60 for gas- that $15 will cover the extra's- going to the school, stopping to get groceries. Every time your gas budget is under $60 for the week, stick the extra in the trip fund.

6. Pay yourself. On the last day before payday, we transfer everything in our checking over to our savings account. Sometimes, it's $100. Sometimes it $20. It depends on what all we have going on, but even $2 is $2 more than you had.

7. Work with cash. A card is easy to swipe. It's harder to keep track of each swipe, and before you know it, OOPS! With cash, you have tangible proof in your hand of what's left. Some people will split the money into envelopes for each purpose: Gas, Groceries, Bills, etc. You know immediately exactly what you have, and if you know you only have $5 in spending money left, you are far less likely to spend it on a latte with 6 days left until payday.

8. Stash the cash. On payday, take $20 and put it away. Out of site, out of mind. Don't keep track of how much you have stashed away. If you can afford to stash more than $20, then put away $40, or even $100. Every couple of months, collect the stash, and put it in the trip fund.

9. Cash Jar.  Several years ago, I planned to have a family trip to a big amusement park. Not Disney, but still out of our daily price range. I made a decision to start not just a change jar, but a cash jar. At the end of the day, I emptied my purse of all $1 bills, and all change. Sometimes, I would stash a $5 or a $10. At the end of 4 months, I had deposited over $900.

10. Earning Extra. Sometimes, you live paycheck to paycheck. We certainly have, and many others do as well. Having an extra $20 isn't always the case when you are just hoping to make it to payday this week. This is when it's time to figure out a plan for earning the extra money. Whether it's a yard sale, or baby sitting after school, or even finding a part time job on weekends. Use your resources- you can stash the extra money without hurting your daily budget at all. Personally, I design web graphics from home. Before that, I did advertising for shops on facebook. Before that, I made hair bows and necklaces. Before that, I worked lots of the survey websites for small amounts of money.





11. Remember to budget for fun. You are budgeting to save money for something fun. But that doesn't mean you should never have some fun. Whether it's going to see a movie, or spending a day at the zoo, or even just renting a movie. If you aren't having ANY fun at all, and your money is just sitting there, you are more likely to want to spend it. 

12. You Can Do It. You really can. It may take 5 months. It could take 15 months. But if you keep your eye on the prize, and just keep adding to your trip fund, then you'll find out that you can do it.

Grocery Savings

Tonight was that magical time where we are 3 days away from pay day, and we, of course, ran out of a few key items that would be needed before grocery day this weekend.

I checked out the blogs, and Savings Angel, found some coupon deals, and off I went.

I needed:

Bread
Trash Bags
Paper Towel
Lunch Baggies

I wanted:

Coffee mate Creamer
Spaghetti-o's

So, what all did I end up with?

Bread- $1.50 (ugh)
4 cans of Spaghetti-o's- $.50 each, plus a coupon for $1/4, so end price- $.25 each
3 liquid flavored Coffee Mate creamers- $.99 each, plus 2 coupons for $1/1, and 1 coupon for $1/2, for 3 FREE creamers
3 18-count boxes of Peppermint Candy Canes- $.39 each (these are for a Valentine's Day project, in which you melt two together into a heart shape, add a candy stick, and wrap them up as Valentine's Suckers)
1 2-Pack of Viva Paper Towel (My favorite!) on sale for $2.99 (this was cheaper than the store brand, and the rolls were bigger!)
1 box of lunch baggies- $1.50
1 box of trash bags- $2.99
Egg Nog- clearanced out at $1 for being close to the sell-by date (it won't last through tomorrow, let alone all weekend to the sell date)
Nutrigrain Yogurt bars- $1.49 on clearance
Yogos- $1.20 on clearance
Fruit by the Foot- $1.24 on clearance.
1 package of 6 sheets of Christmas Stickers for next year- $.37?

I wound up spending $18.21, and saving $19.96.

I got a coupon for $1 off 2 packs of fruit snacks. When I go back this weekend, I'll grab more of the clearance one's if I can. If I buy 3, I'll get a catalina for $1.50 off my next shopping trip. I've currently got 2 $1 coupons like that. So, if I buy 3 of them at $1.20-$1.24, save $1 off the immediate price, plus the 2 $1 coupons I have, I'll get 3 for the price of $.60-.72 total, and still have $1.50 off my next purchase. 

It pays to look around before going in to the store. I wouldn't have picked up the creamer or the Spaghetti-o's if I hadn't seen the sale price, and found the printable coupons. But, for $1, I got 4 cans of spaghetti-o's and 3 containers of creamer, which Nick goes through pretty quickly. It's expensive, though, for how fast it gets emptied out, so it's a treat.

Now, I spend $20 a month on my Savings Angel membership, but I saved $20 in just 1 visit, and it wasn't even my big visit. On top of that, I earn a $10/month commission because I have had 2 people sign up for SA under me. So, really, I spend $10/month is all. And, when the referral signs up and pays for their membership, you earn a $10 commission, so I was given $20 this month for those two members- so this month was free!

What deals have YOU found lately on groceries?

Grocery Savings

Today, we're a watching our money even more so than normal. Pay day is Thursday, but we need to make sure we have enough money for gas on Thursday in case Nick gets his check after the bank closes. We're not sure yet what time the bank closes on Thursday, as they have not posted times.

I knew we could use some lettuce, tomato, and mayo for BLT's twice this week, since we had a package of bacon already. We also could have used cheese slices and bread, for grilled cheese sandwiches for the kids this week. Then, of course, I was hoping to grab a few extras for treats to make this week.

I did some research first, using Savings Angel, to match coupons online with sale prices. On hand, I don't have many coupons. I've been neglecting them way too much. We added up cash on hand, with a check I have to cash tomorrow, and what we have in our checking account. We deducted gas money Nick needs tomorrow, and money for gas later in the week, then decided how much of the left over we should allot for groceries.

I decided I could probably get by with $15, which still leaves a decent amount in checking for my good buddy, Justin Case.

Here's what I wound up with-

Dark Brown Sugar, $.95
Saltine Crackers, $1.12
Lettuce, $1.19
White Bread, $1.19
Generic Miracle Whip, $1.49
Real Butter, $1.50
Andes Mints, $1.79
Jello Mousse Snack Packs (4), $2.57 ea
Tomato, $1.61
Grands Biscuits, $.99
Cheese Slices, $1.00
Kraft Chunk Cheese (2), $1.49ea
Kraft Shredded Cheese (2), $1.49ea
Chocolate Chips, $1.68
Trop50 OJ, $2.29
Ritz Crackers, $2.50

The subtotal was $34.61 after sale prices.


Coupons on hand:
$1 off Jello 6 pack, Meijer coupon (x2)= -$2.00
$.50 off Jello 6 pack, MFC coupon (x2), doubled = -$2.00
FREE Jello 6 pack, MFC coupon (x2), = -$5.14
Meijer coupon for $2 off purchase= -$2.00
Meijer coupon for 5% off Groceries = -$1.48
Meijer coupon for $1.50 off Trop50 = -$1.50
Kraft Coupon for $1/2 (x2) = -$2.00
Free Ritz Crackers Store Promo= -$2.50

Total Spent out of pocket $16.92.

I saved a total of $24.55 between sales and coupons.

There was another deal- buy any 3 Jello refrigerator packs, get $2 OYNP. Buy any 4, get $3 off, buy any 5 or more, get $4 OYNP. I bought 4, so I was able to get a coupon for $3 off my next purchase!

Not bad! I was able to buy food for lunches & dinner this week to supplement what we have on hand. I also was able to get the items to make 2 different Christmas candies this week- Christmas Crack, & Peppermint Crack.

For Peppermint Crack, I needed Andes candies, Ritz crackers, and Peppermint candy canes (which I had on hand, pre-crushed from a stepped on box incident).

For Christmas Crack, I needed dark brown sugar, real butter, saltines, and chocolate chips. I was going to just make this one, as I'm not personally a peppermint fan, but the Peppermint Crack looked so easy! Plus, the butter was $.50 cheaper than budgeted, the cheese slices were $1 cheaper than budgeted, the chocolate chips were $.32 cheaper, and the Ritz crackers were free. Since I saved $1.82, I used $1.79 of it on the Andes mints. Not bad!

I didn't beat the $15 mark I had in mind, but I definitely beat the $20 mark I had hoped to beat, and I have $3 to use later this week if I have any Justin Case moments at the store.

Saving Money on Groceries

Groceries can add up to being a huge expense, and the more people in the house, the bigger the expense. I really miss the days when our 3 kids would barely finish a box of mac n cheese. Now, making mac n cheese requires 2 boxes for just those 3, or 3 boxes if we are all eating it.

One of the ways I save both time and money on groceries, is by using Savings Angel. I scoffed at the site for a few years. After all, I knew what they were doing, and knew I could do it for free on my own. What Savings Angel does, is finds the sale ad for YOUR area, and they go down the list, item by item, matching the sales with coupons from the Sunday paper, or coupons found online.

The hardest part of doing this on your own, is knowing where to find the online coupons, and taking the time out of your hectic schedule to do it. It is time consuming! Especially if you you have to sort through all your coupons each week, to see what you have.

Then there's the mess of removing expired coupons, and clipping all the new ones, and putting them in their place. It can be a total pain. In fact, it can down right wear a person out. I was an avid coupon clipper and shopper for a long time, but as the kids got older, and my time got shorter, I just let it fall to the side.

Recently, I decided I can't afford to shop the way I was, not anymore. I needed to save more money, and get more bang for our bucks. So, I sucked it up, and started to try again. I quickly remembered why I had stopped- all the work put into it, the time spent pouring over ads, sorting through the coupons, it was too much stress for me to be able to get it going.

About that time, a good friend of mine and my brother both signed up for Savings Angel. After talking with my brother about all the tips I had for coupon clipping (I had a lot, I realized!), I decided maybe Savings Angel would be a kick in the fanny to get me going on saving money again.

Savings Angel is a pay to use site, and there are similar sites out there that do the same service for free. However, what I found, was when I compared the SA site to the free sites, very few of the free sites listed had all the deals listed. Most of them missed coupons along the way, some missed the entire deal along the way. They just did not compare once I started looking at both.

Savings Angel is $19.95 per month. When you buy the first month, the second month is free, so up front, it's $19.95 for 2 months of service. There is a forum for help, and "mentors" who can also help people one on one. The site has coupons to print, and points out coupons found all over the web to print. When they list a sale item, they list all the non-expired coupons that were in the Sunday paper or online, AND, they tell you what week that coupon was in, or if it was in a magazine, or they show a link on where to print it.

Now, $20 a month is a big deal, I get that. For me, I look at what I'm saving on groceries that I wasn't saving before. My first 3 trips to the grocery store resulted in just over $100 worth of groceries. I paid just under $20 total for all 3 trips, saving me $80 off my grocery bill!

$80 is a lot of money saved. With a teenager, a preteen, and a school aged child in the house, we go through food a lot more quickly now. Getting the freezer filled is a big deal for us, because of how quickly we can deplete it.

Anyway, I highly recommend Savings Angel for anyone who needs the extra help saving money, like I did. It's been a very helpful site so far. Just click the banner above, or the image below to check the site out!