I am back!

2015 is going to be a great time for saving money. Check out my new website along with my friend, Angela Carpenter who will be helping me get the word out about great deals, ways to save, and much more. Let’s make this a fresh start of savings.

Frugal Forum September 6, 2013

Like Perdue on their facebook page to get a coupon for up to $3 off chicken. The more people sign up the higher the value of the coupon will be. https://www.facebook.com/PerdueChicken/app_549538148433014

Spend $30 on Tide, Downy or Bounce products, receive a $10 Visa Prepaid Card. http://www.homemadesimple.com/en-us/pages/fabric-care-rebate.aspx

Through September 22nd, participating Dairy Queen restaurants are offering up a Buy 1 Blizzard Treat, Get 1 for $0.99 promotion! I would suggest calling your local Dairy Queen to verify that they are participating

$5 Hill’s Science Cat Food coupon

Head on over to Target where they are offering up some nice deals on participating Up&Up products with the new mobile coupons available! Just text UPUP to 827438 to score these new Up&Up Target store coupons

Head on over to Aeropostale.com, as they are offering up a couple of great promo codes! You can score FREE shipping on ANY jean purchase with promo code NEWSIZE at checkout! OR, you can opt to use promo code EXTRA30 to score an additional 30% off ALL already reduced clearance AND you’ll still score free shipping on your entire order when you add at least one pair of jeans to your cart – I haven’t tested this yet.  www.aeropostale.com

Sign up for a chance to win 1 of 2 $5,000 grocery store gift cards. Once you have done so, you will be able to print a free can of Rotel when you purchase 3 Mexico Avocados coupon http://www.avocadoallstars.com/

Free Welch’s refrigaterd juice when you buy three. Just save your receipts from September 1, 2013 to February 28, 2014. http://www.welchs.com/docs/default-source/coupons-news-and-more/wl_o0040_freecarton_filloutform-4.pdf?sfvrsn=2

Three free issues to Rachael Ray magazine

Buy one get one free at Yankee Candle coupon good until September 8, 2013 (good time to get some holiday presents)

Text FISH to 41522 to receive a coupon valid for a free Ciabata Jack sandwich at Long John SIlver’s good until September 8.

Calling all you CVS shoppers! Starting 9/16 through 12/15, you’ll be able to earn double quarterly Extra Bucks Rewards for in-store and online purchases associated with your ExtraCare card! Instead of earning the normal 2%, you’ll earn a total of 4% https://www.cvs.com/promo/promoLandingTemplate.jsp?promoLandingId=doublebucks-enrollment

Free Atkins Starter Kit just register

Redbox is offering up a FREE 1-night Video Game Rental whenever you text SAINTS to 727272 on your cell phone.

Free sample of Cafe Bustelo coffee on their facebook page https://www.facebook.com/CafeBusteloOFFICIAL/app_155003071307225

Free donut at Krispy Kreme on September 19 all you have to do is talk like a pirate

two piece bonus deal at KFC with coupon

65% off Avon makeup specials

$10 off $40 purchase at Abe’s Market

Free safety webinar from Babies R Us


Frugal Forum September 1, 2012

Every year around this time I write about birthday freebies because this is my birthday week and I have been receiving lots of freebies in my inbox along with the mail. I am not telling you to go out and use all of these freebies but check them out there are some great deals to make your day or week special for you. If your nervous about using your personal email account for these birthday freebies go to hotmail, google or yahoo to start a new email account. It is always nice to receive something free but to help you celebrate your special day is even better. Happy Birthday.

Sign up for the e-club at Abuelo’s Mexican Restaurant to receive a birthday and anniversary gift. http://www.abuelos.com/eClub

Sign up for American Eagle Rewards and get 15% off the month of your birthday at AE or Aerie, free Aerie bras (buy 5 bras get the 6th free) and access to members-only sales and events. http://www.ae.com/web/myaccount/aerewards.jsp


Send Aveda your email address and birthdate and you will receive a free Personal Blends Pure-Fume or body care product offer custom blended with the aroma of your choice for your next birthday. http://www.aveda.com/index.tmpl


Join Backyard Burger e-Club and get a free burger plus a special offer on your birthday. http://www.backyardburgers.com/eclub


Sign up for Betty Crocker’s enewsletter and receive up to $250 worth of coupons throughout the year plus a free Cake Booklet with 15 birthday cakes, and a birthday insider exclusive plus save 20% on a product at Betty Crocker Store. http://www.bettycrocker.com/default?WT.mc_id=BettyStore-B


Get a free ice cream email on your birthday and a special discount on a birthday cake. Plus a buy one get one scoop offer when you sign up and special offers all year long at Baskin Robbins. https://www.baskinrobbins.com/BDayClub/RegisterInfo1.aspx?icid=bdc_000066


Join Club Mongo at bd’s Mongolian Grill and get something special on your birthday. http://www.gomongo.com/club-mongo/


Join the Culver’s club via text and receive a free scoop of fresh frozen custard with purchase or join online and receive a free value basket with the purchase of a value basket plus receive a free ice cream sundae on your birthday. http://www.culvers.com/connect/join-the-club/

Sign up your kids (ages 12 and under) up for the birthday club and they’ll get a free kids’ meal on their birthday. Also be sure to join BE-Mail and you’ll receive a buy one get one free entrée plus exclusive monthly offers. https://kids.bobevans.com/birthday.asp


Join the Buffalo Circle at Buffalo Wild Wings Grill & Bar and get a coupon for a free dessert on your birthday. http://assets.fbmta.com/clt/bww/lp/join/1/join.asp


Sign up your kids for Club BK at Burger King and they’ll get a free kids’ meal on their birthday. http://www.bkcrown.com/


Kids 12 and under can sign up for the Captain D’s Kids Birthday Club at Captain D’s Seafood to receive a special offer on their birthday. Adults can join the D’s club and get a wselcome email with a coupon good for a free Fish & Fries or a free Chicken & Fries, just for joining. Plus, you’ll receive a coupon for one of three select free dinners of $5 off any dinner or platter on your birthday. http://www.captainds.com/


Join the Mermaid Club for a chance to win prizes like sample products, coupons and Chicken of the Sea memorabilia. Plus, you’ll receive a money-saving coupon on your birthday. http://mymermaidclub.com/signup.aspx


Sign up for the email club at Chili’s and receive a welcome coupon as well as a birthday coupon and a club membership anniversary coupon. http://www.chilis.com/EN/Pages/home.html


Join the email club at Chuck E Cheese’s to receive coupon offer, free tokens for your child’s birthday and more. http://www.chuckecheese.com/


Sign up for the Blizzard FanClub at Dairy Queen to get a coupon for a free 16 fl.oz Blizzard Treat with the purchase of another 16 fl. Oz. Blizzard Treat plus an extra special coupon on your birthday and anniversary. http://www.dairyqueen.com/us-en/Blizzard-Fan-Club/


Join Denny’s rewards to receive exclusive offers plus a free Grand Slam breakfast on your birthday. www.dennys.com


Sign up for Driscoll’s Berries Rewards program and get exclusive access to coupons, special offers and giveaways including a special berry offer for your birthday. http://www.driscolls.com/community/berry-community/register


Sign up to be an Express Next member to receive special rewards certificates throughout the year based on your purchases. If you are an A-List member, you will receive a coupon for your birthday with up to a $40 value that can be used towards the purchase of products at Express stores. If you are an Express Next Cardholder member at the base level, you will receive a coupon for your birthday with up to a $10 value that can be used towards the purchase of Express products at Express stores. http://www.express.com/loyalty/loyalty_landing.jsp


Free medium celebratory sub at Firehouse Subs on your birthday. Just show an ID that has your birth date when you order. http://www.firehousesubs.com/birthday/


Join the Sun e-Club at FirstWatch Daytime Café and receive a coupon for a buy one get one free when you join plus a free entrée on your birthday. http://www.firstwatch.com/


Sign up for the Cupcake Lover’s Reward program at Gigi’s Cupcakes and receive a special birthday and anniversary gift. https://www.registrationinfo.net/gigis-cupcakes


Receive a free meal just for signing up for the Pancake Revolution at IHOP plus get a free meal on your birthday and one year anniversary. http://ihopcorp.fbmta.com/members/UpdateProfile.aspx?Action=Subscribe&_Theme=30064771093&Inputsource=W


Sign up your children for the Kmart Birthday Club and they’ll receive $5 Birthday bucks, a birthday crown, a Happy Birthday certificate and a birthday fun pack. http://birthdayclub.kmart.com/


Become a Movie Tavern member to receive a free movie ticket on your birthday.


Join O’Charley’s e-Club and receive a special offer just for signing up plus a $5 off $20 purchase coupon on your birthday. http://www.ocharleys.com/eclub/


Sign up your child for Olan Mills Birthday Club and receive a special birthday discount the month of your child’s birthday. http://www.olanmills.com/offers/birthday-club


Get a MyPanera card from a Panera associate, register the card online, and you’ll start to receive special discounts, freebies and a birthday reward. http://mypanera.panerabread.com/


Sign up for the Qdoba Mexican Grill e-Club to receive a special buy one get one free entrée coupon on your birthday. http://www.qdoba.com/


Become a Caniac when you sign up for Raising Cane’s Club to receive a free combo box plus special food freebies for your birthday and anniversary. http://www.raisingcanes.com/caniac-club


Join the Red Lobster Seafood Club to receive a birthday surprise to help you celebrate. http://www.redlobster.com/club/


Receive free Deluxe Minis of mascara and highlighter for your birthday from Sephora when you sign up to be a beauty insider https://www.sephora.com/profile/MyAccount/beautyInsider/beautyInsider.jsp

Sign up your child for the Sonic Birthday Club and snag a coupon for a free Wacky Pack Kids meal on their birthday https://www.sonicdrivein.com/Kids

Kids 10 and under can join Toys R Us Geoffery’s Birthday Club and you’ll snag a free party planner with a special offer, a birthday greeting card and gift, and in-store celebration (including a birthday crown, a balloon, and an in-store announcement) and even a birthday call from Geoffrey. http://www.birthdaysrus.com/

Register for a free account at Vera Bradley to receive exclusive offers and discounts plus special gift on your birthday  https://www.verabradley.com/user/login.jsp


Join the Zax Mail Club at Zaxby’s and receive one free meal deal plus a free nibbler for your birthday http://www.zaxbys.com/join_our_clubs/zax_mail_club.aspx


Free Homeschool ID cards from AlphaCard http://www.alphacard.com/homeschool-id-cards

Modnique is offering $20 off $20 or more purchase when you enter promotional code LABORDAY20 at checkout. I just did it and it worked. www.modnique.com

Ancestry.com is offering free access this weekend on immigration and travel records. www.ancestry.com

$8 off two entrees at Outback Restaurant coupon expires September 5, 2013

Get a $5 eReward Card with purchase of Purina Cat Chow  http://www.drvsusa.com/catchow/

Like Firehouse Sub on their facebook page to get coupon for free medium sub when you buy a sub combo on September 2, 2013. https://www.facebook.com/firehousesubs

Through September 2, 2013 at Macys for every pair of jeans you purchase, you will score a coupon valid for $10 off a future purchase of $10 or more at checkout (exclusions apply so make sure to read the fine print.) The $10 coupons are available to redeem through September 8, 2013. http://www.macys.com/

Frugal Forum August 20, 2013

I am always the bearer of the hard facts of budgeting. Now that we are heading into our holiday seasons be prepared. Let’s spend some time focusing on getting your finances in order to be ready for your holiday purchases. If you think it is too early to be ready you will be spending more than you expected this season. Take the time now to get credit in order by digging yourself out of debt fast. Start off by knowing what you owe. Although the idea for seeing those numbers in black and white might make you sick knowledge is only power when it comes to tackling your problems. Gather your bills by pulling out your most recent statements for your car loans, student loans, mortgage, rent and any other debt you might owe. Make a simple chart by writing down each company you owe money to in a column on the left side and put these headings across the top: balance, interest rate and minimum monthly payment. You can also use spreadsheet software like Microsoft Excel or search for “debt repayment plan worksheet” at frugaliving.about.com to download a form. Then fill it in. Now is the time to negotiate any lower payments. Call you credit card companies for a lower interest rate or cable, phone, TV service to get a better plan. Remember all they can say is “No” which leaves you the option to change companies. To eliminate your balances on your credit card you can use the snowball method or the top-down approach. The snowball method means you pay off the smaller balances first, and then direct your extra money to your bigger debts. This method restores your sense of control helping you build momentum along with the confidence you need to reduce your debt. The top-down approach focuses on the credit cards with the highest interest rate first. If you look at your bank credit card bills they now are required to tell you how long it will take to pay off your card by paying the minimum payment plus how much interest you pay. This method makes financial sense but requires discipline and organization. If you have lots of small debts, you’ll need to stay on top of all your minimum payments. If you need help find a low-cost credit counselor through the National Foundation for Credit Counseling (nfcc.org) or consolidatedcredit.org. They can help you create a repayment plan. An agency might be able to arrange lower interest rates or maybe even wipe out interest payments completely where you just need to pay down the principal. Find out up front what the fee will be and whether the agency will handle your monthly payments for you (a good agency will charge no more than $50 for this service). When you get control of your finances continue to focus on saving money. Put away your credit cards and use cash. If you don’t have the cash for the item you don’t get it. Pat yourself on the back and buy yourself a little treat to celebrate getting your finances under control.

Start a trust for your kids with as little as $1. You can open an account for free at TrustEgg.com: the money is invested in a mutual fund. Share the link with relatives so they can make deposits over the years.

Saveup.com provides an incentive for being fiscally responsible. Join the free site, which has benk-level security and enter your account information. Then every time you make a deposit or pay off a bill you’ll get cyber credits you can use to play instant-win games or enter drawings for big-ticket prizes such as cars, college tuition or a monthly $2 million jackpot.

You can get three credit reports every year at annualcreditreport.com. If you’re working to improve your credit score and want to keep tabs on your numbers, bookmark these websites: creditkarma.com and quizzle.com. Each gives one of your three credit scores for free, regardless of whether you’ve already accessed your annual credit report.

Sign up for EcoBonus reward program now to receive a free $80 coupon booklet when you purchase just one participating Organic product and send a picture of your receipt. Earn points for purchasing natural, eco-conscious or socially responsible products then visit their online store to collect your rewards. https://www.ecobonus.com/

Head on over to Scholastic.com and sign up for an account (or sign-in if you already have one) to earn 2 FREE Scholastic books and a FREE Storybook download. Just complete the August Mini Mission by eating breakfast as a family for 5 days, incorporating something nutritious every time. For your submission, list the foods your family ate for each of the 5 meals and how you are making breakfast part of your morning routine. After the 5 days, you’ll be able to receive your 2 FREE Scholastic books!  Keep in mind you’ll need to allow 4-6 weeks for your Scholastic books to arrive at your home. These books have a retail value of $11.98!http://minimissions.scholastic.com/#

On August 29 at 1pm central time register an active-duty member of the military to receive a free gift card from Sears to purchase holiday gifts for their loved ones. http://www.sears.com/shc/s/dap_10153_12605_DAP_Heroes%20at%20Home?sid=I0084400010000100600&aff=Y&PID=6146943&AID=11042411

Don’t forget free pie on Wednesday’s at O’Charley’s restaurant no coupon required. http://www.ocharleys.com/freepiewednesday/

Purchase $30 of P&G participating products and receive $10 prepaid VISA card by mail rebate. Expires September 30, 2013. http://pgsmartsavings.com/

Buy one 4 pack of Frusion C-Charged drink until October 15, 2013, mail in your receipt with mail-in-rebate offer to be refunded up to $3.99. https://www.facebook.com/FrusionSmoothies/app_599788450050788

The USTA and Nickelodeon are bringing tennis to more kids to get the whole family active. Get playing at a FREE event near you this September. These events are open to all ages and skill levels. http://www.youthtennis.com/find_an_event/

Receive $5 back when you spend $25 on any Nature’s Bounty product at Kroger when you use your Kroger Plus Card at time of purchase. Expires September 21, 2013.

Buy one get one free Photo Book from Kodak. Just like them on their facebook page for coupon to use at any Kodak Picture Kiosk https://www.facebook.com/kodak/app_1401711796717141

First time HSN shoppers can get $20 off an item of $40 or more through September 30 with coupon code 135235. www.hsn.com

Receive $5 off your school uniform order of $25 or more at Staples just enter coupon code 51337. Order online at www.staples.com/backtoschool or by phone at 1-800-333-3330.
Earn supercash from Old Navy when you make a purchase through September 4. You will earn $10 in supercash when you spend $25 or $20 supercash when you spend $50. Use your supercash September 12 through September 18 for purchases at Old Navy. http://oldnavy.gap.com/

Like’ the Beneful Facebook page to request a FREE sample pack containing Healthy Smile Adult Dog Food, Dental Dog Treats in Twists or Ridges and coupons. This offer will be available through 12/31/13 or while supplies last. https://www.facebook.com/beneful/app_355827794445303
Free K-cup Brew Over Ice when you like them on their facebook page

Through August 22nd, head on over to Shutterfly where you can snag a FREE 12 month Personalized Desk or Wall Calendar ($21.99 value!) with promo code FBFREECAL at checkout – just pay shipping! Keep in mind that shipping appears to start at $5.99.www.shutterfly.com

Two year subscription to Bazaar magazine – if you qualify (I always do)

Black & Decker LE750 Edge Hog 2-¼ Electric Edger was $168.29 now $63.26

$8 off two entrees at Outback Steakhouse

Free one year subscription to SELF magazine

Free sample of Zamboost Immune Supplement
Purchase Suave Moroccan Infusion Styling Oil and enter the UPC code on glamour-scoop.com/suavegwp and receive an exclusive Glamour gift.
limited quatites available

Buy one get one free Yankee Candle coupon good until August 11

$10 off $40 in store purchase at The Childrens Place coupon

Free rental from Redbox

$2 high value coupon for Woolite

Free 8×8 photo book from Shutterfly and The View

Free sample of Minties Dog Treats

30% off at Aeropostale and just $5 shippling fee

Sign up today for Meijers MPerks this service is digital coupons associated with your phone number and pin. When you are checking at at Meijers just enter your number and pin then all the coupons you loaded to your MPerks will come off at the end. Right now if you join they will give you $5 off $5 or more purchase. FREE FIVE DOLLARS.

Get a free item from Meijers when you go to mPerks and enter code FREEJIF for a free Jif Peanut Butter www.mperks.com

This week Friday and Saturday, Aug 8 – 9 at Meijer, spend $75 or more on your total purchase, get $10 off your next shopping trip via Meijer Custom Coupon. Limit one offer per transaction

Free subscription to SHAPE magazine

Personalized photo iPhone 4G phone case for just $10 at York photo. Just enter promotional code MYIPHONE http://www.yorkphoto.com/Content.aspx?Page=MW_MYIPHONE&PK=e0e04a5e-5062-405d-aeb0-aa379be6bd58#.UgP7HI7D_IU

20 free 5×5 cards at Walgreens just pay shipping ($29.99 value)