Sunday, November 30, 2008

For the best holiday season, be frugal

You can celebrate the holidays without going broke.

The holiday season should be about spending time with family and friends. Instead, we've turned the holiday season into an excuse to go on a gigantic shopping spree.

It's time to just say "no" to mindless shopping. It's time to say "Enough" to going into debt because of your holiday spending.

Some suggestions:
  • Plan only pot-luck dinners. That way no one is stuck with making all the food.

  • Use homemade decorations. Use your children's artwork. One person I know makes a collage of greeting cards on the wall. Use inexpensive, festive LED lights.

  • Make homemade gifts of cookies, fudge, jams, anything.

  • Give "gift certificates" of things that you can do for someone close to you -- a 30-minute massage, a lesson on how to make homemade pizza dough, etc. You can use a simple program like Microsoft Works to create elaborate gift certificates.

  • Plan a "white elephant" gift exchange. According to wikihow, "White elephant gifts are traditionally gifts considered extremely tacky, or that do not fit the tastes of the recipient ... The thought behind a white elephant gift exchange is to give everyone a chance to rid themselves of these tacky gifts--and invariably gaining a new one!"

  • Or, if you prefer to exchange new gifts, set a maximum cost. Say, $20. That way, no one need bankrupt themselves.

  • Or draw names by putting everyone's name in a hat. Everyone draws one name, and that's the person you buy for. Everyone gets a gift. Nobody is excluded.

  • Take photos of your get-togethers with a digital camera. Upload them to an online photo album and send the links to your family and friends who attended the get-together.

  • Give compassion. Volunteer at a soup kitchen or to deliver meals for homebound seniors. Donate to a charitable organization that your loved ones and friends care about. Give to Race for the Cure for breast cancer research, or Doctors Without Borders, or Habitat for Humanity. Give so someone else can live longer and have more holiday seasons to enjoy.

More about for saving money online

In today's paper, I found an article called Numerous deals can be found online.

Travel booking: Kayak.com.
Kayak scours more than 140 sources for the best airfares, hotel rates and vacation packages.

Last-minute travel: US.LastMinute.com.
Book your whole trip just days or even hours before takeoff. Some of the sweetest deals pop up at the last minute.

Online bargains: Dodtracker.com.
This deal-of-the-day site surfs the Web for the best bargains on everything from electronics and jewelry to tools and kitchen gadgets.

Cheap gas: Gasprices.Mapquest.com.
Rather than rely on volunteer "spotters," Mapquest updates fuel prices daily via a data feed from the Oil Pricing Information Service. Type in your Zip code and rank stations by price or distance.

Pet care: PetInsuranceReview.com.
Compare plans from all the major pet-insurance providers, and get customer reviews and ratings.

Pet medications: 1800PetMeds.com.
No other service even comes close to the leading purveyor of pet medications. You can reach the company by phone at 800-738-6337.


Wednesday, November 19, 2008

Saving money with online coupons

I favor using coupons only if the coupon is for something that I would have bought anyway. Sometimes, people do it backwards. They buy something because a coupon for it exists. That, in my opinion, is a no-no.

But, with that as a caveat, I can recommend the following New York Times story.

In Lean Times, Online Coupons Are Catching On
On the Internet, nothing travels faster than a tip on how to score a bargain. Especially in an economic downturn.

With online retail sales falling this month for the first time, Internet merchants are offering steep discounts to anyone willing to punch in a secret coupon code or visit a rebate site for a “referral” before loading up their virtual cart.

Shoppers obsessed with finding these bargains share the latest intelligence on dozens of sites with quirky names like RetailMeNot.com, FatWallet.com and the Budget Fashionista. And more consumers than ever are scanning the listings before making a purchase at their favorite Web site. ...

... (These Web sites include) CouponMom.com, which includes coupons for physical stores; and CouponCode.com, which is organized by category. "