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A lot of us want to save money, and use our time, food, energy, to it's best potential. We all want to get the most out of life - Welcome To Thrifty Tips. - This is a group where we can share ideas for getting the most out of life!

Get your love through tarot reading

Posted By indianastrology on Mar 9, 2011 at 8:32PM

In matters of romance, there’s nothing like a free tarot reading love. Tarot offers a unique perspective, highlighting the nature of our relations. They are there to guide you on your journey, both personally and romantically. Questions and love are by far the most often searched for when reading tarot cards

In matters of romance, there’s nothing like a good tarot reading love. Tarot offers a unique perspective, highlighting the nature of our relations. They are there to guide you on your journey, both personally and romantically. Questions and love are by far the most often searched for when reading tarot cards

In matters of romance, there’s nothing like a good tarot reading love. Tarot offers a unique perspective, highlighting the nature of our relations. They are there to guide you on your journey, both personally and romantically. Questions and love are by far the most often searched for when reading tarot cards

"You know how to sniff out a deal"

Posted By Tanya Mckeithen on Jan 31, 2011 at 5:14AM

so, there was an expose on Today show yesterday about all the freebies out there. So you can obviously look at their site to see the likes of all-freemagazines.com, snagfilms.com, the Phyto and Bliss spa freebies, but there are abunch of other ones that I'm aware of that I thought I'd share.
There is that free month of Netflix out there, but I'm going to list a few more:
Groupon, Living Social, and where I live Virginia Living Deals all have amazing savings on everything from house cleaning services to spa gift certificates to restaurant discounts. So worth checking out if you'd rather pay half to 75% off what you are already paying. Also local radio and TV stations have giveaways that will be sent to you in emails when they arise.
My gym sent a coupon when my commitment was ready to expire, but since I can be abit of a procrastinator, I took it in 6 months later and they couldn't honor the offer of a $10 monthly decrease, 2 personal training sessions, but they did actually better than that. They cancelled the month to month membership and gave me a 12 month contract(compared to the 2 year contract I had) at $19.99(was paying 29.99) with the first two months free. Needless to say I was quite stoked!

Checking out your local social type papers(here in RVA, we have Style Weekly and Skirt), facebook pages, twitter(if you do that sort of thing :), and community emails can be a great way to not only stay in touch with sales and discounts, but also be among the first to know about hot spots and not so hot spots in town. Definitely helpful when you have that Saturday nite date planned only to get there to see they closed 2 months ago because the owner had some lovely vice!

Last but not least, this is definitely my favorite! We have a plethora of wineries here in Virginia and while at one that was relatively nearby to my home, I was talking to the girl who was giving the tastings and she told me about the fabulous world of volunteering at a winery! You sign up for when you can(normally weekends) and you get paid in winebucks, essentially wine! Plus I found out that when you go to other wineries mentioning that you are in the "industry", even as a volunteer allows you a complimentary tasting, which would normally be $5 to $12. I have met several couples or their families who have utilized this great resource to have wine covered for their weddings and receptions. With about a 200% markup on alcohol, this is a great deal!
Happy Savings!

Life's small surprises

Posted By Becca84 on Jan 11, 2011 at 5:32PM

There are several things that make me so thankful lately. Here are a few:

  1. The Library. It's amazing that people can spend so much money renting movies, buying new books and magazines. Don't get me wrong. I am a magazine addict. I love new magazines and I love cutting them up and making fantasy collages of expensive clothes, shoes, accessories and beauty products that I cannot afford. However, all of these little cut out scraps get put into a binder that I tell myself I will come back to for inspiration and, most of the time, never do. And it baffles my husband, which is understandable. My beef with subscribing to magazines is the fleeting gratification they provide. One comes every 30 days. I look at it for one hour and it gets shelved or thrown away. What a waste. Same for buying them at the store, except it's like 500% more in price. Go to the library, however, and you can check out as many magazines as you want, flip through them, take notes of anything you want and return it for someone else to love. The only downfall: magazines available for checkout tend to be 2-3 months old. This is the same with books and movies, and it's all FREE!
  2. Cooking & Baking. To some extent, I think that women have done themselves a disservice in seeking equality because all of the things that the majority of women innately love to do - be caretakers, beautiful the home and garden, read, and cook and bake - are still required, but in the few hours left between work, our kids' hobbies, exercise (if applicable) and bed. Instead of enjoying time to cooking and baking, we use books, magazines and TV shows to tell us how to make 30 minute meals using 5 ingredients, developing a muted palate in our kids rather than discovering all of the bright complexities that food can offer. I don't have children, but I already feel rushed, busy and disorganized. I cannot imagine what life will be like with kids. In fact, I am afraid. To boot, we have lost time for ourselves - to do our hair, our makeup, our nails, put together a pretty outfit - and channel all of those gorgeous, classy women we now reflect upon for inspiration today - Marilyn Monroe, Audrey Hepburn, Katharine Hepburn, Coco Chanel. Grace Kelly and Jackie O. Making food relaxes me. It reminds me to slow down, take a deep breath and enjoy the moment. Try it out, and while you're at it watch Julie & Julia and read The Baker's Apprentice.
  3. Taking a Walk. I have my dog, Milly, to thank for this. In my life, I've rarely taken walks. I am a runner. So if I am going to go outside and move my feet, it's usually for a run. But we got Milly about 7 months ago, and as you know, dogs need walks. Typically, I have so many things on my mind and the walk is the last thing I want to do. I always feel bad for feeling that way, but once she and I hit the street I am thankful - every time. Time slows, and suddenly the world around me sharpens. I can think through whatever is nagging me that day. It's the perfect amount of time to call my mom or a friend and have a light chat or heart-to-heart. It's the ultimate alone time. It gets your heart pumping, and exposes you to a little sunshine, which, in turn, always brightens my day. I may not always want to walk, but I am always glad I did.



New Website for Discount Codes and Rebates

Posted By ShaynaLeah on Aug 7, 2010 at 7:12PM

Hi ladies --- A friend turned me onto Ebates, a site which links to about 1,000 shopping websites (think Macy's, Old Navy, Ebags.com, Wal-Mart, HP.com, etc.), and gives you anywhere from 2% to 10% cash back for the purchases you make ... plus discount codes for free shipping, or special discounts (I got $20 off of $100 at Bluefly.com!) ---  and best of all, it's free!

Check out Ebates here and let us know - how will you use your money back?  Spend it on something fun, or something thrifty?

The First Ten things I did when my Husband lost his job....

Posted By JamieRunning on Apr 29, 2010 at 8:16PM

My husband was suddenly laid off from his job (only hours of warning) and my monthly paycheque was already gone leaving us hardly any money to live off of. The first ten things that I did seem small but helped us survive the month wait, and currently helps us stretch my paycheque;

1) Cash in your coins - We had jars of coins waiting to be rolled and plenty of money from different countries we had visited.  With free coin papers from our bank we spent the night rolling our coins.  Together with the foreign currency we had $250 just laying around.

2) Eat everything in your pantry - I know this seems really simple but it is shocking how many times we go to the grocery store and neglect some of the essentials in our pantry.  Using our crockpot and allrecipes.com (use the advance search button to customize recipes based on what you have in the house), freezing meals and leftovers, making stock out of vegetable scraps (ehow has a great article), using our breadmachine, and using our food processor to turn stale bread into bread crumbs we cut our grocery bill down by $1000.  In April we spent a mere $100.

3) Cable is completely unnecessary - we haven't had cable for years because it just isn't necessary as there are plenty of shows available from networks online and all new episodes are posted the day after they air.

4) Cut variable costs - for now there is no eating out or activities/dates that don't come with a gift certificate - we have had to become very creative borrowing movies and books from the library, going for walks, and inviting friends/family over for tea and board games.  We were surprised at how many gift certificates we had when we needed to use them.

5) Make a realistic budget - I determined exactly how much I make each month after taxes and budget every single expense.  We also live on cash and record expenses to see where every cent goes.

6) Sell household items you don't use anymore - there are plenty of free websites online that you can sell household items you don't use - like appliances that were replaced by wedding gifts.  You would be surprised what you have laying around.

7) Thrifty Beauty - I used to buy expensive, organic shampoo and conditioner until I realized the best thing for my wavy locks was just giving myself a scalp massage in the shower.  When my ends are very dry I do use a little conditioner but the difference it has made in my hair is incredible - my waves are soft and pretty with no frizz whatsoever.  Every liquid cosmetic I have I dilute with water to make it last longer at the end of the bottle with little to no sacrifice.

8 ) Fuel up where there are perks - I am an avid points collector (points has brought me my cappuccino machine and my fancy scale) but I found a gas station that gives me discounts on my groceries when I fuel up.

9) Research where you buy your groceries - I watched an online newscast recently where they examined the same groceries bought at different stores in my city - I found the cheapest place and started shopping there instead.  I was shocked to find out how much more I was spending for nothing.

10) Take a breath and DON'T PANIC - We really didn't have an emergency fund but we changed our lifestyle so we could survive without going into debt at all.  Life is a learning experience, our finances won't look like this forever but my new found saver knowledge will stay with me - which will come in handy when I want to pay off debt, or safe up for some of the perks of life.

W-4 Dilemma

Posted By Allison Berry on Apr 13, 2010 at 1:12PM

Do you prefer filing for less tax exemptions or having a higher net salary?  I just read this blog http://blog.greensherpa.com/index.php/personal-finance/exemption-redempt... and I'm debating about whether I should adjust my W-4 form.  What do you guys do?

Fun St. Patty's Day Freebies

Posted By Smart Living on Mar 17, 2010 at 6:00AM

Happy St. Patrick's Day! There's no shortage of green on this festive holiday, and some businesses are adding to the influx by offering freebies for the day. There may not be a pot of gold waiting for you, but you can take advantage of some fun free food and services offered today.

Source: Getty

Tagged with: St Patricks Day, List, free

Frugal Tip Monday-10 Things Millionaires Won't Tell You

Posted By FashionWithoutGuilt on Mar 2, 2010 at 8:24AM

Money, without it we are not able to enjoy the necessities in life, let alone the luxuries. Loving shopping and fashion as much as I do, I always have a passion for finance and building wealth. By building true wealth you have to be a conscious spender, according to Ramit Sethi of Iwillteachyoutoberich. Aside from being a frugal/savvy shopper, I am concerned about building my wealth for years to come. You hear all these fancy terms and ways you should spend but sometimes I love hearing the real-life scenarios that separate the Poor from the Wealthy. I came across this great article, "10 Things Millionaires Won't Tell You" and immediately a eagerness to see what the story was about. These are some very great points to adapt to your everyday life.

10 Things Millionaires Won't Tell You

“You may think I’m rich, but I don’t.” Real millionaires understand that 1 or 2 million will not take them through the next 30 years.

“I shop at Wal-Mart . . .” Most millionaires how they got there was by buying smart and saving money by clipping coupons. Not shopping at what I like to call "Boutique Supermarkets".

“. . . but I didn’t get rich by skimping on lattes.” Most millionaires,by statistics made their millionaires by being a entrepreneur, not skipping the Starbucks line.

“I have a concierge for everything.” Let's worry about a concierge when you make you millions, average folks can't afford that.

“You don’t get rich by being nice.” I agree with this 100%. Being nice will never get you to the top. You will have to say "no" and mean it. Walk away from things that are not profitable but at the end of the day always keep your integrity. Never burn any bridges but try to get to the top is a lonely road and lots of enemies will come.

Taxes are for little people.” Plainly put millionaires under taxes and file under capital vs. middle class because middle class is taxed 15% more than capital gain.

“I was a B student.” Clearly states that the straight "A" student is mostly likely not going to be your boss nor business owner, so that means there is hope for me. YYYIIIPPPEEE!!!

“Like my Ferrari? It’s a rental.” They do not spend money on things that are not of true value. Why buy when you can rent?.

“Turns out money can buy happiness.” Research shows that wealth does bring happiness. Roughly 65% of millionaires say that money “created” more happiness for them.

“You worry about the Joneses — I worry about keeping up with the Trumps.” What more can I say to that.

So let me know what you think? Do you Agree or DisAgree? Let me know your thoughts?

Photo Source: Changeyouractions

Savvy Savings Challenge: Give Up a Spendy Vice For Lent

Posted By Smart Living on Feb 17, 2010 at 12:00PM

Today is Ash Wednesday and marks the first day of Lent. Whether you observe it for religious reasons or not, the 40 days offer a feasible time frame to give up a vice and learn to sacrifice in the name of something bigger. I am not a practicing Christian, but I am hereby committing to giving up my unnecessary spending — most notably I won't be driving to work for convenience or clothes shopping — from today until Easter. It's not going to be easy, but I know it will be worth it and I'll be sharing my experience with you all for inspiration and encouragement.

And so, I challenge you, SavvySugar readers, to join in my budget-boosting effort and cut your most harmful and indulgent money habit for the next 40 days! Join my Savvy Savings Challenge and share what you plan on giving up, then update the group daily or weekly with your pitfalls and success stories. The community and I will be your personal cheerleaders!

Ask Savvy: How Should I Critique My Co-Worker?

Posted By Smart Living on Nov 13, 2009 at 6:00AM

Dear Savvy,

Today, my manager called me asking me to write up a report about a fellow co-worker. I had mentioned that she was having some difficulties adjusting to the workplace, that she was rude to us, and where she was getting better but that she still often isn't on task. I told her that I would, but I just sat down to write it and have no idea what to say, how to say it, etc. Any suggestions?

Savvy says: Your manager is essentially asking you to put your spoken criticism in writing. See my thoughts on this situation when you read more

Tagged with: The Grind, co-worker, ask savvy, job