Five Favorite Tips To Save Money In 2012

Money is like a “love-hate” relationship: Love to spend it. Love to save it. Hate not having enough. Hate when it runs out! It makes sense then, that saving money is one of the top New Year’s Resolutions for 2012.

Save Money

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You can save money in many ways:

  • Automatic payroll deductions to your bank or credit union savings account.
  • Contribute to a retirement savings account such as an IRA or 401k.
  • Invest in the stock market.
  • Stuff the mattress in the guest bedroom with dollar bills.
  • Pay less for the items you purchase.

What was that? Save money by paying less for your purchases? Who doesn’t like to save money? Who couldn’t use a little extra pocket change? And who couldn’t use a little help in finding that “little bit extra”?

Everyone has a shopping list: groceries, new clothes and shoes for your kids, school supplies, yard and home maintenance items. The list is endless. But how to save money with your shopping list? With a little time, patience and diligence, you can cut the cost of nearly everything you want to purchase. Here’s five favorite tips to put money back into your wallet:

  • Shop with coupons. Whether online or delivered to your door, there are coupons everywhere. Online coupons can be printed or downloaded to a smartphone, and our mailboxes, magazines and newspapers are chock-full of money-saving coupons. Online coupon websites are a great way to find savings in a few minutes’ time. Two favorite websites are Retail Me Not and Coupon Cabin

    Ticket for free glass of Coca-Cola, believed t...

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  • Shop off-season. Think summer in January! Online stores like Athleta need to sell last year’s swimsuits and sandals to make room for this year’s beach wear. Wait another month or two and all those winter jackets and boots will take a serious price dive. Retailers frequently change their inventory, creating opportunities to pick up last season’s hot items at a discount.

  • Shop for last season’s edition of a favorite item. You can’t go wrong when you stay with the classics! So why not pick up last year’s version and get a great deal? Check out online discount retailers such as Sierra Trading Post who specialize in bringing you excess inventory at great prices.
  • Price check before you purchase. The internet and smartphones have revolutionized how we shop and online shopping tools such as My Simon can help you find a better price on that coveted item.
  • Join a favorite store’s customer loyalty program. Most retailers realize the benefit of repeat business, and they want yours! A customer loyalty program offer its members exclusive benefits ranging from “members only” coupons and special sales, to cash back on purchases to free shipping of online orders. Shop Target? The Target REDCard gives you a “little extra” each time you use it.

Is saving money your 2012 New Year’s Resolution? Then stay tuned for more money saving tips and ideas. That’s OUR New Year’s Resolution to you!

What’s your New Year’s Resolution? Tell us how you want to save in the coming months! Let us know in the Comments section below.


15 Favorite Post-Christmas Sales


Ahhhh … the mad rush of the Holiday shopping frenzy is over. Or is it? For many shoppers, the week following December 25th is actually a favorite time to shop. Perhaps it’s because of the year-end sales many retailers have this week. Perhaps it’s all those gift cards we received. No matter the reason this week is a great time to shop. Just check out these fifteen favorite sales:

Target: A great way to pick up supplies for next season is to shop the Target After Christmas Clearance Sale. Save in stores with 1000’s of last chance sales; save up to 65% online. Use your REDCard and get 5% back. Shopping online? Shop through Mr. Rebates and get 4% more cash back. Don’t forget to check out this week’s Target coupon offers before you go: Link to Target Coupons


Kohls’s: With so many items on sale, you are sure to find a great price on just about everything at Kohl’s. What’s better? Now through Monday, January 2nd, shop the Kohls After Christmas Blitz & Clearance sale and you get an extra 15% off your entire purchase. Spend $100 or more and get 20% off! Online orders ship free if greater than $75. Use promo code SLED 15 or SLED20 for online purchases. Shop through Mr. Rebates and add another 5% cash-rebate.


Macy’s: Shop the Macy’s After Christmas Sale and use the Wow!Pass to get an extra 15% off already discounted prices. If you shop before 1:00 today, save another $10 off a purchase of $25 or more. If shopping in stores, be sure to print the Wow!Pass coupons to maximize your savings: Link to Macy’s Savings Pass


JCPenny: Another department store with so much to offer, and a great price to go with it! Check out JCPenny’s Biggest After Christmas Sale event. Earn a 3% rebate for online purchases through Mr. Rebates, and free shipping for online orders of $69 or more with promo code SHIP69.


All GAP Brands have extensive sales, and when shopping at The GAP, Athleta or Banana Republic stores, you get an even greater sale price this week. Shop online through Mr. Rebates, and add another 5% rebate to your savings! But hurry in to a store near you or shop online now as these sales are for a limited time only. Free shipping for online purchases is available at all GAP sites with purchases over $50 and free for any purchase with a GAP Silver card and the promo code, MYCARD.

  • The GAP: Take an extra 20% off all online sales items through December 27th online. Use promo code, GAPSALE.
  • Athleta: Take another 20% off all sale items with promo code, WINTER20. But don’t delay: this sale ends December 29th.
  • Banana Republic: Many BR items are marked down as much as 50%. Save an additional 30% off sale items using promo code, BRSale, through December 29th.

AnnTaylor /Loft: Going to a New Year’s Eve party? Find a great outfit at AnnTaylor or Loft and get another 50% off your purchase. Use promo code, WINTER50 for AnnTaylor or TAKE50 for Loft. Online purchases also qualify for Mr. Rebates 3% cash-back.

Nordstrom: With winter savings of as much as 50% off, Nordstrom’s Half-Yearly sale might be just the answer to your New Year’s Eve party dress and matching shoes. Free shipping and free returns makes online shopping easy at Nordstom. Don’t forget your Mr. Rebates offer of another 6% cash-rebate.

Famous Footwear: Jack Frost nipping at your family’s toes? Famous Footwear is running its BOGO sale: Buy One Get One at 1/2 price. And, earn Famous Bucks for every $50 you spend now until December 28th. Shopping online? Mr. Rebates gives you 12% cash-back.

Barnes & Noble: Cozy up to a warm fire with a new book from the Barnes & Noble After Holiday Sale. Right now, get 50% off many top sellers and as much as 90% off bargain fiction and nonfiction books. Print this coupon and get 30% off one kids’ or teen book: Link to printable B&N 30% coupon. If shopping online, use coupon code M7K4K8J to get the 30%. Other items such as DVD’s, toys, games and electronics are also on sale for as much as 50% off. Online purchases can receive 6% cash-back through Mr. Rebates.

Need something warm to drink while reading that new book by the fire? Then Teavana and Mighty Leaf Teas might have the perfect brew, and with their sales right now, at an even better price:

  • Teavana: From tea pots to flavorful teas, brew yourself a nice cup of hot tea at 30-75% off during Teavana’s Heavenly sale. 8% cash-back with Mr. Rebates.
  • Mighty Leaf: Restock your tea supply during Mighty Leaf’s annual New Year’s Tea Pouch sale of up to 30% off all tea pouches. New to Mighty Leaf? Sign up for their e-mails to be the first to know about future sales and everything “Mighty Tea”, and receive a 15% off coupon. Shop with Mr. Rebates and get 7% cash-back.

Staples: It’s in the bag at Staples! Just bring in this special “bag” coupon, exchange it for an eco-friendly bag at the Customer Service Counter, stuff it with whatever you can, and save 15% off everything in the bag! Shop. Bag. Repeat. Easy.

Petsmart: Don’t forget your pets with Petsmart’s After Christmas sale. For one week only, save on “all-things-pets.” Go ahead, get your furry friend a new chew toy. Shop online and use promo code SALETEN60 to get another 10% off your purchase; purchase through Mr. Rebates and get a 12% cash-rebate. Wow! There will be shipping fees for online orders but if you spend $60 or more, use the promo code, FLATS, for $5.99 flat rate shipping. Great time to stock up for your pets.

BONUS Sale! OK, just one more favorite: Sierra Trading Post is having a spectacular Anniversary sale on its already well priced inventory. Get an extra 25% off select items. Want more? There is an additional 40% off $125 – 35% off $100 – 30% off $75 purchase DealFlyer e-coupon too! These two e-coupons can add up the savings. But don’t delay as the 40%/35%/30% coupon expires December 29th and the 25% off coupon expires January 3rd. Check out my earlier blog on Sierra Trading Post for more information on how STP works.

Shopping online? Remember to click through Mr. Rebates to get that extra bonus cash back! Check out my earlier blog on how to use Mr. Rebates.

What’s your favorite post-Christmas sale? Let us know in the comments below.

Are You a Last Minute Christmas Shopper?

You are not alone! But what to do now? You only have a few days left to finish your Christmas shopping. Is that enough time? And can you still get a great deal?


Yes! But you may want to act fast if you plan to shop online. Most free shipping offers for a Christmas delivery are ending either today and tomorrow.

Check out these last minute deals you can take advantage of today to complete your Holiday shopping list:


Toys-R-Us: Toys are one of the most highly sought after items at Christmas and today and tomorrow only, Toys-R-Us is running their 50% off sale. For online shoppers there is free shipping for orders greater than $49. Most orders will need to be placed by tomorrow, though, to be in time for Christmas. And starting today through Christmas Eve, Toys-R-Us brick and mortar stores are open 24 hours a day, making it that much easier to get the toys on your list.

Kohl’s: Kohl’s slogan is “expect great things” and they deliver today with up to 30% off nearly everything! Shopping online? Order by 11:00pm tonight to cash in on their Wrap It Up sale and free shipping with delivery for Christmas. Just request “Standard Shipping” and if your order is more than $50, it will ship for free. Better yet: you get $10 Kohl’s Cash for every $50 spent. Not sure what to get? Check out their handy gift guide: Kohl’s Last Minute Gift Guide.

GAPBrands: Need great holiday outfits for the family photo? GAP, Old Navy, Banana Republic, Piperlime and Athleta each have last minute Holiday sales: Gap and Athleta both have up to 60% of select items; Banana Republic has up to 50%; Old Navy has an extra 20% off online orders. Piperlime is running its twice-yearly Lime Tag sale of up to 40% off. If your order is $50 or more, shipping is free, and if placed by today, it should arrive by December 23rd.

AnnTaylor: Wow! Just announced this morning is another 50% off everything at Ann Taylor with coupon code WINTER50, good for both in store and online shopping. If shopping online, order by Dec. 23rd and your order will arrive in time for Christmas. Better yet: If that order is more than $150, it ships free. AnnTaylor also has a convenient gift guide to help find that perfect gift: AT Gift Guide

Dick’s Sporting Goods: Looking for something sporty? Also just announced this morning is a one-day only online special at Dick’s Sporting Goods: $20 off orders over $100 and if ordered by midnight tonight, free shipping for many items in time for a Christmas delivery.

Dick's Sporting Goods

Sierra Trading Post: There is always a great deal at Sierra, and today, there is an even better one! Check out their 25% off Anniversary sale, as well as free 2-Day air upgrade shipping for guaranteed Christmas Delivery. Electronics on your shopping list? Newegg has an extensive list of last minute deals categorized by price-point that might just be your answer. Many items qualify for free 3-day shipping, but today is the last day to place your order and have it here by the weekend.

Retail Me Not: Shopping online but not sure what retailer might have the best deal? Let Retail Me Not be your guide. Their Christmas Coupons page lists their “Top 10” Christmas deals and coupons in nine different categories. That’s a total of 90 store specials all in one convenient location. Not only might you find the perfect gift item, you might also score a great deal with a Retail Me Not coupon! Link to Retail Me Not blog post In a pinch for time? Looking for a gift for someone out of town? Then check out Groupon and Grouponicus deals and give a Groupon gift certificate! Link to Groupon blog post

Do you have last minute shopping to finish? Have you found a last minute bargain you would like to share? Let me know in the Comments section below!

Time for Cyber Monday … Today!

“Special Edition”

Wow! Just like Black Friday, Cyber Monday sales are coming in early! So if you  missed the deals for Black Friday, check out Cyber Monday deals … today!  Here are some of my favorite Cyber Monday deals already posted and ready for you to shop; you can take advantage of most of these today, before you head back to work tomorrow! Historically a “biggie” in the Cyber Monday deals, is beginning its Cyber Monday sales today. Be sure to check out Lightning Deals and Gold Box deals for some great bargains.’s Cyber Monday deals last all week! Always something good at Target!’s Cyber Monday begins today, and includes free $10 e-gift cards for purchases of $100 or more online and scheduled for store pickup. They save on shipping costs, you get another deal. is also extending its Cyber Monday through Friday, and to entice shoppers to keep coming back, they are adding items daily. So if you can’t find what you are looking for right now, check back later in the week, and you might just find it then. and are offering 40% off ANYTHING online.  Great time to get the women on your list something special.

GAP Brand stores each offer a sitewide Cyber Monday sale, all available today. Use promo code HYPERCYBER. If you have a GAP card, also add MYCARD for free shipping.

  • has 30% off sitewide. Got a woman who loves the more athletic inspired clothing? Check out Athleta’s products.
  • GapBrands GAP, Old Navy and Banana Republic are also 30% off any purchase. Get the whole family something warm and cozy.
  • 20%: complete the outfit with some great shoes and accessories from Piperlime. has a wide shoe and boot selection as well as many other items, so if footwear is on your shopping list, consider their Cyber Monday deal:

  • $30 off $100 purchase
  • $60 off $200 purchase
  • $100 off $300 purchase has a Pre-Cyber Monday sale beginning today: an extra 20-30% off their already discounted products. But wait … it gets better! An additional 35% off AND free shipping for orders of $125 or more! Yes, that was easy! And possibly at a great price this Cyber Monday, and available today. Staples can be a great place to find some really nice deals, and to sweeten their Cyber Monday online sales, they have free shipping with NO minimum order.

Overwhelmed? I know I am! So much to look at! My advice: limit your searches to your favorite stores or items on your shopping list. I just scored big on a pair of boots I’ve been watching and waiting for a price drop for several months now! 30% off the sale price and free shipping with a Cyber Monday sale available today. Gotta love a great deal!

So tell me: where will you be Cyber-shopping this week? And what deals are you finding?

I think it’s time for me to do some more Cyber shopping!

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