Savvy Stacy

Big Fun on a Small Budget

4 Ways to Pay Less at the Gas Pump April 1, 2011

Filed under: Automotive — stacycolson @ 4:20 pm
Tags: , ,

Found on: http://www.pocketyourdollars.com

Posted: 01 Apr 2011 07:45 AM PDT

As gas prices skyrocket we are all paying a lot more at the pump. But, knowing a handful of tips and tricks can save you a bundle every time you fill up.

Fill Up Mid-Week

Gas prices are typically lower on Tuesdays and Wednesdays. It makes sense, when you think that most people fill up on Thursday and Friday as pay day rolls in and they prepare for the weekend. Or, they stop at the station while running weekend errands. If not that, then Monday morning they fill up to start their week with a full tank. Tuesdays and Wednesdays are slower days and therefore, prices drop slightly.

Choose Your Station Carefully

GasBuddy.com is a great resource for letting you know the gas prices at stations near you. They track prices nationwide and have a mobile app. Download their mobile app for iPhone, Android or Windows phones so you can always find the station with the lowest prices near you.

Warehouse Clubs

I am not a warehouse club fan, but their everyday gas prices are  lower than their competitors. Granted, using coupons at a different station might yield even deeper discounts, but for those that want a quick and easy gas pump solution, a warehouse club might fit the bill.

Two words of caution before you run out and buy a membership. First, be sure that you’ll fill up often enough to more than pay for the membership. For instance, if you save $0.05 per gallon and get 20 gallons of gas per week, that’s $1 per week of savings. You’d have to fill up 50 times in a year to break even on the cost of the $50 membership.

Second, have you noticed that warehouse clubs don’t post their gas prices on signs like other stations? You can’t tell how much gas is at a warehouse club unless you drive up to the pump and look. By then, you might decide that it isn’t worth the effort to go elsewhere, even if the savings isn’t that great.

Use Coupons

Gas coupons typically save you $0.05 – $0.10 off per gallon of gas. If you make a habit of keeping a few coupons in your wallet or glove compartment, then you’ll always have one on hand when you go to the gas station. Don’t worry about needing to stop at a particular station to use their coupon, as most gas stations accept competitor’s coupons.

I’d recommend taking 15 minutes to make a couple phone calls to stations in your area. Ask if they accept competitor’s coupons. If so, what the maximum competitor’s discount is that they’ll honor. Plus, some stations accept multiple coupons per fill up. Ask if they do that at stations near you and you may be able to use a couple of the $0.05 off per gallon coupons at one time, on the same fill up.

Where to Find Gas Coupons

Gas coupons abound. I get them mailed to me. I find them on the back of grocery store receipts. I get them in the newspaper; in my area the first and third Wednesdays are the best days to find high-value gas station coupons in the paper. I can print them from gas stations’ websites. I get them emailed to me after joining gas stations’ email list. Some stations have joined the 21st century and will text you coupons when you join their email list.

Loyalty Programs

Most every station has some sort of loyalty program whereby you earn rewards or discounts when you purchase gas and/or products from them. Since there are a plethora of these programs, I can’t explain them each in detail (plus terms and conditions frequently change), but listen up for some general tips on how to maximize your participation.

Credit or Debit Card Programs

Many credit and debit cards offer you some sort of cash back when you buy gas. Certain cards are tied to specific gas stations, while others are not. This is a potentially dangerous option for those that aren’t hyper-disciplined in their finances, as the lure of cash back from gas purchases might tempt you into a new credit card that results in thousands of dollars in additional debt. That’s a bad idea.

However, this approach makes sense for the hyper-disciplined folks that pay their bill every month or those that use a debit card to earn cash back on gas station purchases. Many options exist in this credit card and debit card reward space. CreditCards.com is a solid resource to find credit cards that pay rewards for gas purchases. PerkStreet Financial is an online bank whose debit card pays you cash back. Many gas stations have their own branded cards, which you’ll need to evaluate for yourself.

The beauty of this approach is that you can combine it with other cost-saving measures. You can buy gas on Tuesday or Wednesday, plus use coupons, plus earn cash back.

Store Loyalty Programs

Some gas stations have rewards program where you earn points or a percentage back for purchases you make at the pump and in-store. Near me, SuperAmerica has its Speedy Rewards program, for instance. One way to maximize earnings in this type of program is to buy a gift card for the gas station, which typically earns you bonus points. Then, use that gift card to pay for your gas. You earn a regular amount of points for buying gas, but you’ve maximized it by having earned bonus points on the gift card purchase.

Grocery Store Programs

An ever increasing number of gas stations have discount programs that are connected to grocery stores. These programs, like Roundy’s FuelPerks near me, offer you a discount per gallon of gas based on how much and/or what you buy at the grocery store. In the case of FuelPerks you earn $0.05 off per gallon for every $50 in groceries you buy.

Maximize your earnings in this type of program by watching for grocery items that are marked “bonus earnings” or something similar. When you buy these products during their “bonus earnings” promotion you will earn an additional amount off per gallon for buying the item, plus your regular $0.05 off for every $50 you spend (or whatever your regular earnings amount is).

Also, be on the watch in the grocery store for gift cards to the local gas station. BP is the station tied to Roundy’s FuelPerks program and Roundy’s sells BP gift cards within their store. I am able to buy a BP gift card at a Roundy’s store, earn money off per gallon for having made the gift card purchase on top of whatever earnings I have from my grocery purchases.

 

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9 PAIRS OF SUNGLASSES – $29.99 February 23, 2011

Filed under: Accessories — stacycolson @ 7:08 pm
Tags: ,

GOING ON VACATION?  ALWAYS LOOSE YOUR “CHEAPIES”?

Here’s a great price for sunglasses.

http://www.graveyardmall.com has their deal of the day.  9 pairs of Men’s Arizona Jeans brand sunglasses for $29.99 or 9 pairs of Women’s Nine West Sunglasses for $29.99.

 

Don’t need 9 pair?  Split the order with a friend or neighbor for this price!

daily-02-22-2011.jpg

 

MAGAZINE SUBSCRIPTIONS: $1 NEW ORDERS AND RENEWALS January 20, 2011

Filed under: Magazines — stacycolson @ 10:06 pm
Tags: , ,

FOUND ON:  www.pocketyourdollars.com today!

Posted: 20 Jan 2011 06:24 AM PST

Here’s a hot deal on Parents magazine: Order through Barnes & Noble and you’ll get a 1-year subscription for just $1 (yes, really!) when you use the coupon code K9B9J4H. This magazine often contains high-value coupons, including the stellar 20% off diapers at Amazon.com coupons we’ve been seeing off and on over the past few months.

If you already have a subscription, you can either extend your subscription by a year when you use the same name/mailing address or order an additional subscription by using the name of your spouse/child/etc.

Other magazine deals currently available include the following:

– Wine Enthusiast $2.99/year (13 issues) with coupon code WINE (order up to 4 years)

– Marie Claire $3.73/year with coupon code PXCJ123 (exp Thursday, 1/20)

– Family Fun $2.99/year with coupon code DISNEY (Thanks, Baby Cheapskate!)

– free subscription to Bridal Guide (no credit card necessary)

If you’re interested in getting cash back, you can go through Shop at Home to get 5% back at Barnes & Noble or 15% back at Best Deal Magazines or go through Cashbaq to get 3% back at Tanga.

 

 

Graveyard Mall: Set of 6 Pet Pillows for $33.99 ($5.67 Each) January 19, 2011

Filed under: Children,toys — stacycolson @ 6:12 pm
Tags: , , ,

FOUND ON http://www.pocketyourdollars.com TODAY.

Great for your own children, or split the package with a friend or neighbor.  I did!

Posted: 19 Jan 2011 08:34 AM PST

For a limited time, you can get a set of 6 Soft Snuggly 18-inch Pet Pillows for $33.99 through Graveyard Mall. These pillows that fold up using a velcro closure are a knock-off of Pillow Pets. Even though they’re a knock-off product, they work just the same and have gotten good reviews on the Graveyard Mall website. Considering they’re priced at $5.67 each vs. $19.99 each for the name brand product, I think this is a pretty good deal!

The set includes a panda, puppy, bumblebee, ladybug, unicorn & dolphin. Orders will ship on Friday, 1/21. You will have to pay shipping charges; standard shipping was $6.18 for me (Laura).

Plus, go through ShopAtHome to get 6% cash back on your order and a $5 sign-up bonus.


 

 

WANT AN IPHONE? GET TO TARGET! January 11, 2011

Filed under: electronics — stacycolson @ 2:32 pm
Tags: , , ,

Target says it chopping the cost of an iPhone to $49 — down from $99 — in many of its stores, matching the price cut from AT&T earlier this week.

Target says the promotion is part of its Electronics Trade-In service: Customers can trade in a used cell phone for credit toward any Target purchase, including the 8GB 3GS iPhone.

“This promotion offers Target’s guests a tremendous value on one of the most popular electronics products in our store,” the Minneapolis-based chain says in its release. The offer is limited to the 846 Target locations that currently have a Target Mobile department.

 

 

MAGAZINE SUBSCRIPTIONS ON THE CHEAP! January 3, 2011

Filed under: Magazines — stacycolson @ 9:58 pm
Tags: , , ,

Found on http://www.pocketyourdollars.com today!

 

If you’re looking for some extra motivation to help make your New Year’s resolutions happen, Tanga is offering a few fitness magazine deals that you might be interested in. We’ve highlighted those deals and other great deals currently available below.

Tanga

Tanga deals expire when they’re sold out (usually within 1-3 days of first going up). Tanga prices also go up as more people get in on a deal, so if you’re trying to order later in the day, your price might be higher by one or two dollars.

– Fitness $2.99/year (10 issues) with coupon code FITNESS (order up to 4 years)

– Flex $2.99/year (12 issues) with coupon code FLEX (order up to 3 years)

– Smart Luxury Travel $2.99/year (6 issues) with coupon code SMART

– Reader’s Digest $2.99/year (10 issues) with coupon code DIGEST (order up to 4 years)

– European Car $5.99/year (12 issues) with coupon code EURO (order up to 4 years)

 

 

CHEAP JEWELRY POLISH January 2, 2011

Filed under: Jewelry — stacycolson @ 8:37 pm
Tags: , ,

DID YOU KNOW?

 

You can polish your silver jewelry by scrubbing pieces with a bit of toothpaste containing baking soda and a soft toothbrush.

 

Rinse with warm water to restore sparkle.

 

Happy polishing 🙂