Archives for August 2011

September All You Coupons

Over the past few months I’ve been receiving All You magazine. It is a fun Frugal Living type magazine that is known for its coupons. Every month each magazine is filled with some great coupons. All You can be purchased exclusively at Walmart (which is a pain for me since I don’t shop at Walmart) but you can get it in the mail too.

If you want a preview of the September 2011 coupons check out the All You website. September has $60+ worth of coupons plus exclusive online printable coupons as well.

Happy saving.

This post may contain a link to an affiliate. See my disclosure policy for more information.

How Cleaning Your Garage Saves You Money

Today’s guest post is written by Todd at

Yesterday, I tackled perhaps the most hated chore of any homeowner.

I cleaned the garage.

It was a mess.

It took me 8 hours to clean and organize the garage. It was full of mostly misplaced tools, boxes, sporting goods, our camping equipment, leftover garage sale item that we decided to keep instead of donating with the other leftover stuff, and a bunch of junk.

Some of the benefits of cleaning your garage (or keeping a clean garage) are obvious.

  • You can fit your car(s) in the garage
  • You can find your things
  • You can walk from the house to the driveway without your mountain climbing ropes
  • It discourages rodents from hanging out.

But, there is a direct link between a clean garage and saving money.

I first clued in on this when I gathered all the hammers I found. I guess when you can’t find a hammer, you buy a new one!

By cleaning your garage, you save money by knowing where your tools are so you don’t have to buy a new one every time you need one. I also found 4 bottles of PVC glue and 2 of those PVC pipe cutter thingies. Buy one, store it in your clean tool area, and find it when you need it! This same principle applies for bug sprays, oil, cleaners, paint, and pool supplies.

One of the first things I did on my nice clean workbench was to fix a shovel with a broken handle. The wooden handle came out of the shovel the last time I used it, but with a messy workbench, I wasn’t too excited about fixing it. Now that I know where all my tools are (which hammer should I choose?), I quickly fixed the handle and avoided a trip to Home Depot to buy a new one.

If you’re like my family, you’ve lost your fair share of bikes, scooters, and skateboards to rust because they’ve been left outside. We picked up 2 nice bike racks at a garage sale recently, and when you organize your manual transportation devices, the kids are much more likely to put them away when they’re done playing with them.

If you are so inclined, a great way to save money is to buy older, well built furniture at a garage sale, thrift store, or off of Craigslist, and refinishing it or repairing it your nice clean garage! Who wants to spend time in a messy garage?

Time to clean and organize your garage? Check out these garage storage solutions.

What’s your favorite thing about a clean garage?

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This post may contain a link to an affiliate. See my disclosure policy for more information.

Reduce Your Auto Insurance With Pay-As-You-Drive Plans

Highway 180

I was reading the April 2011 edition of Money magazine and I came across an article about lowering your car insurance. Our car insurance went up by 30% when we moved to Florida and with a few teen drivers on the horizon I’m always looking for ways to save.

One of the suggestions for saving on auto insurance was to enroll in a pay-as-you-drive plan. I was curious about this plan, since my car sits in the garage most of the week, so I checked out Progressive’s program. (Only GMAC and Progressive have this option)

With Progressive’s program (called Snapshot) you install a device in your car. This device tracks your driving habits for 30 days. At the end of the thirty days you can log on to the website and find out your savings. According to the website your insurance will never go up, it can only stay the same or go down.

According to the Progressive website:

Your driving snapshot includes the number of miles you drive, time of day you drive and how often you make sudden stops. People who drive less, in safer ways and during safer times of day could get a discount.

I can’t decide if a tracking device is worth saving on car insurance. Progressive says it won’t share the information with anyone else, but then lists several ways they might share the information if necessary.

I’m not a reckless driver, in fact my husband would tell you I drive too slow, but I just don’t like the idea of my insurance company tracking all my driving.

What do you think? Would you install this tracking device in your vehicle to save up to 30%? How much is privacy worth these days?

Photo credit: NCReedplayer

This post may contain a link to an affiliate. See my disclosure policy for more information.

Has America’s Financial Future Affected Your Spending?


For the first time in history, S&P cut America’s top-notch credit rating one notch to AA-plus from AAA after the close of trading on Friday.  The ratings company also said Monday it would slice Fannie Mae and Freddie Mac’s debt rating because the mortgage companies directly rely on the U.S. government.

The Dow is facing its worst week since 2008 and most of the headlines this week are about America’s financial crisis.

I’m definitely not someone who follows US and Global markets faithfully. I have two brother-in-laws who are very knowledgable in this area and I rely on them for information. For the past 18 years I’ve focused primarily on our family’s economy.

From reading the news it seems pretty bad, but is it? I would think people would be nervous and curtailing their spending with all this uncertainty. But the restaurant parking lots are filled every evening, malls are busy, and the Apple store is packed every time I’m there.

I’m curious, where’s the disconnect? Are people not paying attention or do they think the problems with America’s economy don’t really impact them.

Has the current financial crisis affected your family? Have you changed your spending or saving habits?

This post may contain a link to an affiliate. See my disclosure policy for more information.