Blog & Save

The best bargain brains on the web come together to share money saving tips to finely tune your

personal finance in a coupon blog

you can't miss. Join us on our quest of living well – while spending less!
Subscribe to RSSSubscribe to RSS All Posts by Cheryl.Lock

Haggle for a used car … and win!

By Guest Blogger
at 3:00PM Tuesday March 25, 2014
under Stuff We Like

As my husband and I prepare for a potential big move out of the city to somewhere more suburban (read: less public transportation friendly), we've realized that along with all the other life changes that come with a move like this, we'll also have to now purchase and take care of a car.

Bummer.

Don't get me wrong, I've owned cars before, and I completely understand that life outside of a big city pretty much requires one. It's just that I haven't owned one in quite a while, and neither has my husband … we weren't even sure where to start.

Read More »

How to haggle without being a jerk

By Guest Blogger
at 9:00AM Thursday March 20, 2014
under Shop Smarter

I think the last time I haggled was when I was in second grade. My neighborhood was having a community yard sale, and three doors down they were selling a righteous used hamster cage that I just had to have. (In an effort to convince my parents that I needed a hamster, of course.)

Anyway, the cage was something like $3, which I didn't happen to have at the ripe old age of seven, and as I was keeping this a secret from my parents (Surprise! I bought a hamster cage … now you have to get me a hamster!), I couldn't just ask them for the cash, now could I? Read More »

What your tax level says about you

By Guest Blogger
at 12:30PM Tuesday March 4, 2014
under Stuff We Like

Oh, taxes … how I loathe thee.

It's not just that I loathe them, though (although I really, really do!) — it's that I don't completely understand them. Did you know that tax brackets can change every year? And that every year (for the most part) the amount of money you can sock away for retirement changes? And that that amount also changes based on how much money you make?

I mean – talk about making things difficult.

To help make it through this harrowing tax season, we wanted to dig a bit deeper into "tax brackets." What are the tax brackets for 2013 (for taxes due April 15, 2014) … and what does your tax bracket say about you?

For Your 2013 Taxes
The first thing you should know when it comes to your tax bracket is … drum roll, please … which one you're in. Here's a look at the breakdown by income for 2013: Read More »

Ditch your drugstore beauty supplies and rub food all over your face

By Guest Blogger
at 9:00AM Tuesday February 18, 2014
under Money Saving Tips

Just this past weekend I spent $70 on beauty supplies. Just six basic supplies. At a drugstore.

It's not easy (or cheap) staying beautiful.

This surprisingly expensive outing got me thinking – are there things I could be using around my own home to curb the costs of spending so much on beauty supplies? I did a little digging and, as it turns out … there are. Read More »

When to use a travel agent

By Guest Blogger
at 6:00AM Monday January 20, 2014
under Stuff We Like

My husband and I have a big, big trip coming up. It's going to take a lot of planning and coordinating and travel documents and money … essentially it would take a lot of time to plan.

Instead of using up what precious free time we have to ourselves to plan this trip (and potentially miss some important necessary travel documents that would of course keep us out of the Galapagos Islands, the place that's been on my bucket list for the past 12 years) – we opted to use a travel agent instead.

You might be asking yourself, "A travel agent? Do those still even exist? And who uses them in the age of Expedia and Orbitz and Travelocity and … you get the gist?" Read More »

Save some cash on winter's biggest expenses

By Guest Blogger
at 6:00AM Tuesday January 14, 2014
under Money Saving Tips

Has anyone else noticed how cold it is outside?

Of course you have, and as such your heat is probably on full blast. You may be staying in more (really using up that electricity, huh?) and perhaps you're taking more warm baths. (Hello, hot water bill!)

It's nice to stay toasty in the comfort of your own home when the temps dip low outside, but it's not so nice when the extra large bills start coming in the mail. Try staying warm and holding on to some of your hard-earned cash this season by following these easy tips in three big expense areas. Read More »

How much money should you save in 2014?

By Guest Blogger
at 6:00AM Tuesday December 31, 2013
under Personal Finance

How much money should you sock away in savings in 2014?

It's the ultimate question, right? If only the answer were that simple. Of course how much you save throughout the year will depend on a lot of variables like where you live, what debt you're paying down, your salary, etc.

Different experts will probably suggest different things when it comes to saving. I myself have always liked to follow something called the 50/20/30 rule (a term coined by the personal finance site, Learnvest). It's simple to follow, and you can make it work on any salary. Read More »

The 7 biggest financial mistakes to avoid in the New Year

By Guest Blogger
at 6:00AM Tuesday December 24, 2013
under Personal Finance

The beginning of a new year offers the perfect opportunity to reflect back on the choices we've made in the previous one, and to make any necessary adjustments for better returns in the months ahead.

This is perhaps the most true when it comes to our financial decisions. Many of the systems you put in place for 2013 might not suit you in 2014. Perhaps you've received a large holiday bonus, or maybe even a raise? Maybe you've moved into a new house, had kids or became a stay-at-home parent. Whatever your circumstances, take the time to check in with your personal finance situation … and to avoid making these big mistakes in the new year. Read More »

Make some extra cash this holiday season

By Guest Blogger
at 6:00AM Thursday November 28, 2013
under Stuff We Like

If there's one time of year when most people could probably use a bit of extra cash in their wallets, this would be the one. Gifts. Holiday parties. Secret Santa Swaps. A fabulous new outfit to go with the fabulous little holiday soirée.

It all adds up.

One way to help lighten the proverbial holiday load is to make some extra cash. We're not talking a second job or taking out a mortgage on your house. There are tons of easy ways for you to make money these days, some of which require very little actual "work" from you.

Here are five of our favorite, easy ways to make some extra moolah this holiday season. Just try not to spend it all in one place. Read More »

Black Friday ads start early this year

By Guest Blogger
at 6:00AM Tuesday November 12, 2013
under Holidays

Whether you camp out the night before for door-busting Black Friday deals the Friday after Thanksgiving or log onto your computer at the crack of dawn on Cyber Monday, you'll definitely want to hear about all of the already leaked 2013 ads touting the awesome savings that you'll be privy to this season.

Here are a five of the best ones we've seen so far:

Macy's: According to sources, Macy's is set to open their doors at 8 p.m. on Thanksgiving night to start the Black Friday shenanigans. Among those items listed in the full ad scan (which you can find here) are Keurig coffee makers for $99.99, $29.99 boots and purses and 30% off Timex watches. Read More »

5 ways to save on travel this holiday season

By Guest Blogger
at 6:00AM Thursday October 24, 2013
under Money Saving Tips

With Halloween right around the corner, it's time to start talking about those holiday travel plans. No matter that the leaves have barely changed colors – the earlier you start planning for your holiday trips, the more likely you are to save a bit of cash in the process.

Getting the ball rolling early is just part of the plan, though. We've rounded up five other easy ways to save on your holiday travel this season—whether you'll be traveling by yourself or with your whole family in tow. Follow these suggestions and who knows – you might just have a little extra cash left over come New Year's. Read More »

Top 10 companies offering full-time benefits to part-timers

By Guest Blogger
at 6:00AM Thursday September 19, 2013
under Stuff We Like

When it comes to working in today's world, many people prefer flexible schedules that fit with their busy lifestyles. In fact, according to a recent survey from CareerBuilder, 59% of employees said they value a flexible schedule over a title, and a third would rather telecommute.

Still, whether you're working part-time, a few hours a week or full-time, it's often also important for employees to have the option of some kind of health insurance package. Luckily, PT Money put together an updated list of the 20 best part-time jobs with benefits for 2013. The following are their top 10 companies. Check out the link for the full list of 20.

Aerotek
Aerotek, the national temp agency, offers medical benefits to workers putting in 20+ hours a week. Benefits include dental and vision, as well as eligibility for spouses and dependent children.
Check out their full benefits package here. Read More »