Showing posts with label great savings. Show all posts
Showing posts with label great savings. Show all posts

Guest Post: 8 Tips to Save on Dining Out

by

Andrea Woroch

Residents and visitors of New York and Los Angeles are currently enjoying Restaurant Week; the annual event when high-end restaurants open their doors to people of all incomes with specials on prix fixe menu items. If you're lucky enough to be in these cities during the festivities, you can enjoy the crème de  la crème of cuisine without the typical price tag.  
But what about the rest of us? Living in other parts of the country can leave you feeling a little left out of the gourmet experience. Happily, there are many ways to save on dining, whether it's at your favorite diner or the best restaurant in town. Read on for tips to enjoy a tasty evening without overindulging your financial appetite.

1. Tune Your Radar
Since celebrity chefs congregate in big cities like New York and Los Angeles, you may assume Restaurant Week is only available in those locations. Wrong! If you live in or near cities such as Denver, Chicago, Charleston, Ann Arbor and San Diego, you have access to great food for less, too. A quick Google search should educate you on the timeframe and participating restaurants in your area.

2. Get Rewarded for Research
By now you know to never enter a new restaurant without first reading reviews. Sites like Yelp.com dominate restaurant review resources, but sometimes you can also find a voucher for additional savings. This is especially true for new restaurants hoping to build a customer base.

3. Facebook It
Social media enables you to get personalized recommendations from people you trust the most -- your family and friends! Before trying a new restaurant or selecting one in your city, ask friends for advice. You may discover a new favorite spot or know to avoid an over-hyped establishment.

4. Use Tech to Save
FourSquare is a popular app for restaurant deals, but be sure to broaden your technological horizons for extra savings. The Coupon Sherpa mobile app has coupons to popular chain restaurants, while BiteHunter aggregates local restaurant deals by cuisine and/or location.

5. Fill Up During Happy Hour
Happy hour is a great opportunity to try a new place you've been curious about, or afford a high-end restaurant you wouldn't otherwise try. Drinks and appetizers often fill you up before the main course anyway, leaving the rest of the evening to take in a movie or hit up your favorite ice-cream joint for dessert.

6. Get Free Meals for Kids
Dining as a twosome can be expensive; add in a child or two and you're looking at a hefty dinner check. Thankfully, most chain restaurants offer free meals for kids under a certain age on particular days. Consult this list for the when and where, and schedule your family date night accordingly.

7. Share for Savings
The easiest way to cut down on your dining bill is to order only one appetizer, entree and dessert. You can enjoy a three or four-course meal on the cheap by splitting it with your dining partner. Thanks to enormous portion sizes, you'll leave the restaurant with a slimmer waistline and heavier pockets.

8. Don't Forget Daily Deals
While you may be suffering from daily deal fatigue, sites such as Groupon and LivingSocial are still great resources for trying new restaurants for less. Typically, new companies partner with daily-deal sites to drive traffic and build a customer base. That means drink and appetizer specials, 50-percent off entrees and more big savings. 



Andrea Woroch is a nationally-recognized consumer and money-saving expert who helps consumers live on less without radically changing their lifestyles. From smart spending tips to personal finance advice, Andrea transforms everyday consumers into savvy shoppers. She has been featured among top news outlets such asGood Morning America, NBC's Today, MSNBC, New York Times, Kiplinger Personal Finance, CNNMoney and many more. You can follow her on Twitter for daily savings advice and tips.

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Guest Post: Using Strategic Shopping

by

Stephanie Nelson
CouponMom.com

Strategic Shopping is not about changing the way you eat, it’s about changing the way you buy the food you like. Create customized shopping approaches that save time, allow your family to have tasty and healthy meals—all while cutting your grocery bill in half.

1. Know your prices. Become familiar with the price range of the items you buy most regularly, and then you will know when an item is discounted. Over time you learn when you see a deal, and how to plan purchases for items on sale and using coupons!

2. Know your store savings programs. It’s up to you to educate yourself about stores' savings programs and policies. Go to CouponMom.com to find the weekly deals at a number of national and regional stores, and learn how you can use them to your best advantage.

3. Know your coupons. Coupons are really free money, use them wisely and they’re essentially legal currency. Coupon Mom combines coupons with special deals and offers in your store each week.

4. Stock up on Savings – An item you buy each week goes on sale. The store adds to the discounting possibilities by running a promotion, possibly greater savings if you buy three or more, and then adding coupons. To the Strategic Shopper, it’s time to celebrate! Celebrate by stocking up when off-price opportunities combine for ultimate savings. When prices return to normal, just “shop” from your freezer.

5. Plan to save – The most important element to cutting your grocery spending is planning ahead. An organized shopping list, combined with careful meal planning, and strategic shopping for deals and coupons can cut your grocery bill in half every week!

Stephanie Nelson is the Coupon Mom. Her web site, www.CouponMom.com, has over 5.6 million members, and she is established as the nation’s top expert in couponing across the country. Stephanie has been on every major national television talk show and taught millions how to save money for the past 11 years. Stephanie has been called ‘”the rock star of the recession” by the Washington Post and her book, The Coupon Mom’s Guide to Cutting Your Grocery Bills in Half, is a New York Times best seller.

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Guest Post: The Do's and Don'ts of Layaway Plans


by

Andrea Woroch

Would you rather put holiday spending on your credit card or pay for it through a layaway program? Many Americans are opting for the latter, helping retrench these time-honored payment plans.

Walmart, Sears, Best Buy and TJ Maxx are just a few of the major merchants now offering layaway. In fact, Toys 'R Us has expanded its layaway program to include most toys, rather than just the big-ticket items.

Layaway nearly vanished before the recession, as credit card use grew in prominence. Stores preferred we swipe away because it was easier than handling all that paperwork. But with consumers leery of facing too much holiday debt -- and threatening to spend less this year in stores -- retailers began using layaway as a means of luring us back.

While this all sounds well and good, there are problems related to such programs. Here are a few "Do's" and "Don'ts" you should consider before making the leap.

DO
Do Dissect the Fine Print
You'll have to sign a contract or layaway initiation form, which naturally contains a lot of vital information you could easily overlook. Don't let a long line or impatient clerk rush you through checking each detail so you know what to expect.

Do Consider Whether it's Worth the Origination Fee
There's a fair amount of paperwork, processing and labor involved in layaway plans, so stores charge a start-up fee for each order. Consider the amount of that charge is worthwhile compared to the overall total of your purchase.

Do Decide if You Really Need This Item
Should something happen and you decide not to go through with all payments, you'll likely have to pay a fee of roughly 25 to 30 percent of the total price of the layaway plan. That's a hefty fine for changing your mind, so make sure you really want the item before placing it on layaway.

Do Compare all Fees vs. Credit Card Charges
Add up the potential costs and consider whether you'd be better off placing a purchase on a credit card. According to a New York Times op-ed by Cornell professor Louis Hyman, a typical shopper could wind up paying far less interest by using a credit card, even if it has a fairly high APR. Plus, a credit card gives you purchase protection and, with some companies, price protection.

DON'T
Don't Ignore the Internet
Don't let a sale combined with a layaway plan talk you into buying before researching your options. You'll often find better deals online and it's a lot easier to comparison shop with your mouse. Search for promo codes to use toward your coveted item, and then compare the total cost of the online purchase to what you'd ultimately pay by putting it on layaway.

Don't Neglect Your Expiration Date
There's a limit to how long Walmart will store your stuff. As with other stores, they want to move it before Christmas, so check to ensure you have enough time and cash to pay the entire debt off on time or you'll forfeit everything you've already paid. Mark that date on your calendar and make sure you make all payments before it hits.

Don't Forget About Automatic Withdrawals
Some merchants prefer to set-up automatic checking-account deductions, ostensibly to save you the hassle of coming in to make each payment. In actuality, it's just another way to make sure they get their money. Should one of those payments bounce, however, you'll be socked with a healthy overdraft fee from both the merchant and your bank. Once again, mark on your calendar the date each deduction will be made, so you can double check the balance in your account.

Don't Layway When You Can Pay
It's hard to part with cash during the holidays, when other expenses build up, but the fees you incur with a layaway plan aren't always worth it if you can pay cash now and avoid the hassle.

Andrea Woroch is a consumer and money-saving expert for Kinoli Inc.

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