Tag Archives: savings

Do you Shop at Wish?

I’ve been shopping on Wish for several years. They have pretty much everything, and at a really low cost.

Check them out with my link to get a $5 credit. Also, use code TAKE50 to save up to 50% off your order.

https://dl.wish.com/Ewc3s
Referral code: hzvsdyj

New Theme, Page, Updates

If you haven’t noticed, I changed my site’s theme. I also rearranged some things and added a new page. I’m ridiculous! I’m constantly trying to make it better. I’m so OCD about everything, until my ADHD takes over.

Let me know what you think.
Feedback is always appreciated.

I really like the layout of this new theme on my laptop, but I’m not sure about the mobile view. That’s where I get tripped up. The menus and widgets show up differently. I should have checked the theme on all devices before I applied my changes, but I didn’t think about it at the time. I’ll most likely keep it for a while and experiment a bit.

What device you use the most when you’re visiting?
I can adjust more to the majority’s viewing preference.

I originally planned to add a coupon section to my Financial page, but things got out of hand. I ended up creating a new page for Savings Tips. I listed the steps that I take to help save money from before a transaction, to afterwards. I did my best to have it flow in that order. I have so much more information to add to both of these pages.

Follow me and subscribe for updates.
Thank you!

Coupon Mission: Update 3

I feel like this should be a Bloopers edition….

It’s been over a week since my last update. I saved some money, but nothing went nearly as planned. Anxiety, stress, and memory lapses really did not help my mission.

Before I left the house, I prepared myself. I already had all my notes on each ad. I also wrote a list of the items I needed to buy there. When I folded it up, I could see my list. Then I clipped my coupons to the back. I did this with each ad, with the feeling that I was about to accomplish something.

With my organized stack in hand, I started at Dollar Tree. I planned to get Renuzit air freshers for $.67 each, with a buy 4 get 2 coupon. Except, I never brought the coupon and completely forget about it. When I grabbed the air fresheners, I couldn’t figure out why they weren’t marked down. I convinced myself that it will come down at the register. They didn’t, of course. But hey, I did grab a bag of Chex Mix that was much cheaper than Rite Aid.

I quickly moved on to Dollar General. They were out of a few of the items I needed. I grabbed what I could and checked out. As I put my cart away, I realized I left my coupons on the counter. So none of those were used. The cashier nicely said I could use them next time. I just smiled and agreed, as I beat myself up inside for being so mindless.

Next was Rite Aid. I’m not used to this store, so I struggled to find some things. I’m also not sure how much I really saved, compared to what I normally pay. Then, I bought the wrong razors. I had coupons for $5 & $4 off. Except one was for disposable razors, so scratch that. I still saved with their sales and my one coupon though. They were regularly $13.49, but I paid $6.14 each. Not too bad, considering. With this visit, I saved a total of $23.87. Plus I have $8 towards my next trip.

Giant was my last stop. It wasn’t as great as I wanted it to be. A few of my coupons were rejected. I also got confused over an Air Wick oil starter kit deal in the ad, listed at 2 for $6. There was no picture in the ad and no sales marked on the items. I found a kit for $13.99. I didn’t think it was right, but grabbed it anyway to ask the cashier. She had to get a manager, who approved it. Honestly, I think it was a misprint. I also had a $2 coupon, so I got 2 for $2 each! (Orig 2 x $13.99 [27.98], on sale 2 for $6 – $2 coupon = 2 for $4.) With this trip, I managed to save $75.64 off my bill of $352.02. That’s 21.49%. It’s a start.

Then of course, once I got home, I scanned all of my receipts with at least six different apps to get even more cash back.

I know I could have done a lot better. I’m still working on my process of doing things to be faster and more efficient. I really need to focus more. I learned that I need to print more coupons, take them with me, and remember to use them! Then I need to pay more attention to the details on the coupon and store rules. Also, I should probably compare prices a bit more. Stupid mistakes that I can easily work on. Baby steps.

Financial Babble

Since my last coupon post, I have contacted about 30 more companies. I didn’t receive any more coupons through the mail since Monday. I broke out of my shell for a moment. I made a post in a neighborhood app and a Facebook neighborhood group requesting any unwanted coupons. I actually received a few responses. Oh and I contacted a nearby friend of mine who has great experience in couponing. I have a bit more confidence in my journey. That’s my coupon update, which I didn’t see a need for it’s own post.

In other financial news, I recently received a call from my credit card company regarding a lower rate. I called them back today and found out it was a fraud call. However, while I had them on the phone, I asked what offers were available to me. It didn’t cost anything, but a few extra minutes. They upgraded me to a higher rewards card, so I’ll be receiving more cash back. It was totally worth those few minutes.

Every single day, I’m working on our finances. Whether it’s ways to save money or make money. I rarely impulse buy. I will jump through hoops to save. Then of course, the best part, the shopping while knowing that we have the extra money to do so. It makes it all worth it. Especially knowing what it’s like to not have the money. I’m grateful for anything extra I can do to better my family. Every little bit really does help.

Coupon Mission: Update 2

I don’t have much of an update, but I have made some progress.

So this weekend, I got the Sunday paper ads and coupons. I checked what deals I could get at Rite Aid and if it’s worth going through the trouble this week. It was, so I focused on their ad and what coupons I had on hand. I finally went shopping today and ended up spending $19.92 on Crest, ZZZQuil, 3 Pantene, and razors. I saved $22.37 between store deals and coupons. I also now have purchases tallying towards cash back. For example, spend $50 on P&G items and get $15 back. Not too terrible for my first trip back on the mega coupon wagon.

Yesterday, I received a stack of mail full of coupons from Daisy, Celestial Seasonings, Bush’s, Juicy Juice, Kelloggs, and Hostess. They also sent me letters advising of where I can get more coupons. I even got a few recipes too. I’m going to send out another batch of requests soon. Once I get through my list, I’ll post all of the companies that send me coupons.

The next thing I need to figure out is my plan for printing coupons. Since I rarely print, I have a subscription that allows me to print 15 pages a month for free. If I will be printing coupons, this will definitely increase fairly quickly.

Like I said, it’s not much of an update. But it is definitely progress.

Coupon Mission: Update 1

I recently posted that I’m on a mission to be a for-real couponer. I already save money literally everywhere else in our household budget, so it’s time to take on that ever growing grocery bill.

Granted, I do buy a lot of items. My cart is always overflowing and I usually fill both refrigerators, freezers, pantry, cabinets, and then some. It just bothers me, knowing that I can save so much more. I use my store’s loyalty program and buy things on sale. I just really need to use more coupons. The issue is finding ones that we can actually use.

Since my last post, I have reached out to 46 companies requesting coupons. For the majority of them, I just had to fill out forms on their sites. I also created a new email address specifically for this. I’ve already received several responses. A bunch said they would mail coupons to me. Most of them advised that they could not send anything, but then they directed me to where I could get their coupons. Some companies post them on Facebook, while others are sent via their newsletters. I’ve also found some that have points programs. When I’m more organized, I can post more detailed information of what I’ve found.

I recently went grocery shopping and don’t have a ton of coupons, so I won’t have any major progress yet. I just have to stay focused and remember that the end results will make all of this worth it. I am also going to begin couponing at the pharmacy again. I did really well with it before. That will help me stay on track in the meantime.

For more ways to save money, visit the Financial Tips page.

Mission to Extreme Couponing

I’ve been flip flopping with coupons over the years. I don’t mean using some coupons here and there to save a few bucks. I mean the legit couponing, where you pay virtually nothing. When I used them religiously, I did fairly well. But certain things have caused me to fall off the wagon.

There was a time when I clipped every coupon. I got the big hot pink binder to file them and a smaller one to take to the store. I wandered through the aisles, attempting to follow my list, while checking deals, and fumbling through a binder full of coupons. No matter how prepared I thought I was, it was very overwhelming for me and I could never manage it properly. I get confused, forget to use a coupon, or get stuck calculating if it was even worth using. By the end of the shopping trip, I saved very little, was super stressed, and didn’t even buy all the things I needed. I ditched the binders and used a small envelope organizer. That didn’t help at all. Eventually I realized it was causing me way too much anxiety. From then on, if I managed to use a coupon I would just appreciate the savings.

Sometime later, I started using the Krazy Coupon Lady site/app. It really helped me a lot, giving me some guidance to get a handle on the process. KCL shows you where to find deals, coupons, policies, etc. I was getting about 20 packs of newspapers every week. I focused on CVS since it was the pharmacy I used, it was familiar to me, and they always had decent deals to begin with. I made my list of items with notes, got my coupon stack, and went shopping. I actually was able to get nearly all of my items for free. On some trips, they even paid me.

This was a wonderful thing…when it worked. A lot of times, I would sabotage myself by screwing something up or getting side tracked. The store would be out of an item and I’d have to rethink things, then my anxiety would take over. I ended up slacking off. Then there was no CVS where I moved to. I have a Rite Aid, but never really attempted it there. Or anywhere else.

I’m tired of seeing $300 grocery shopping bills. It’s out of control. I do buy a decent amount of stuff to stock up and fill both of our refrigerators, freezers, and pantry. But still, this is a huge amount of money when I know for a fact I could save more.

I am on a mission to be a for real couponer. I save money literally everywhere else on our household budget. I’ve done some research and made some notes. I already do the majority of the following, but I do need to start contacting companies and purchase more papers. Let’s see how much I can save going forward. I’ll be keeping a closer eye on this.

  • Newspaper inserts.
  • Get extra newspapers from Dollar Tree for $1 each.
  • Print coupons from the manufacturer’s site.
  • Reach out to companies to send you coupons.
  • Use apps for cash back.
  • Use store loyalty programs.

For more ways to save money, visit the Financial Tips page.

Metromile

I really dislike paying for car insurance. I completely understand the concept and it’s fabulous. My issue, is that I rarely drive so it seems ridiculous to pay so much money for it.

Months ago, I did multiple quotes online and spoke to others on the phone to get the best rate. The lowest I could get was about $60 a month through Root. So I tried them out for the six months and watched their rate increase to over $70 a month. Just before my policy ran out, we had purchased a second vehicle. We needed a backup but I cringed at having to add it to the insurance. I looked into it some options and managed to find a few companies that offered pay per mile plans. This was perfect!

After some research and quotes, I ended up signing up with Metromile. I chose the most basic coverage, state minimum. We are now paying a base rate per vehicle, plus the per mile rate. That ended up being $12.30 for the car and $18 for our truck. I had to pay the base rate up front for six months which was just over $100. Once you are set up, they send you an OBD reader so they can track your miles.

I just received my first bill after trying them for a month. It was $32.52 total, minus what I prepaid. So, I only owed $1.63 for the miles I drove. Now, that is even more fabulous. Not to mention, they also give me an Amazon gift card for each referral that I send them.

Want to save money on your car insurance?
Get your free quote from Metromile pay-per-mile insurance using my referral link http://fbuy.me/pkVrx.

For more savings like this, go to the Financial Tips page.

YouGov Pulse

I’ve been working on getting more companies added to the Financial Tips page whenever I have a moment. YouGov Pulse VPN seemed to be a great one to add next. It’s an app that just runs in the background of your phone. Once in a while, I get a notification to reconnect it. Somehow my phone drops off. I think it’s because I have another similar app running so they are conflicting, but it hasn’t affected my earnings.

That’s literally all you need to do to accumulate points. I also receive emails on occasion to take a survey. They aren’t too lengthy and they pay out a decent amount of points. Since I’ve downloaded this, I’ve made $15. That’s pretty good since the most I do is a random survey.

Try it out with my referral link below and let me know what you think.
When you sign up and complete 4 surveys, we each get 2,000 points. https://today.yougov.com/refer/WktHlJgHs8IR26fxWx8YPA/

For similar apps that pay out, see the Financial Tips page.

Small Financial Tips – It All Adds Up

Since everyone has been home looking for things to do, I figured it was a great time to share some of my savings tips and where you can make a few extra bucks. I’ve done the hard part. You can find the apps that I’ve been using on the Financial Tips page.

Scanning Receipts:

One way that I save money is by scanning all of my receipts, which then turns into points and cash. I am currently using five apps that have successfully paid me. I’m also using a 6th app on good faith. I’ve made approximately $105 to date, using this method. Since I’m saving my receipts anyway, I enter all the information into my spreadsheet for budgeting. It’s another one of my projects in progress, but at least all the data is there. It’s been interesting to see it along the way.

Cash Back via Apps/Sites:

Another great way to save some money, is to use the apps and sites that give you cash back. The percentage and time frame varies, but I’ve had success with one company in particular. So far, I’ve received $27.36 back using two apps. Also, check with your credit card companies. They will often give cash back as well. My bank gives a percentage off at certain retailers, while my credit card gives me back a percentage of my spending. I’ve received a decent amount back from this as well.

Playing Games:

My favorite so far, has been playing games. Previously, I was very anti-playing games. Now that I’ve been making money from it, I’ve changed my mind. As long as I can multitask and remind myself that I’m making money, then I can justify it. I’ve actually made $86 just playing mindless games.

Surveys and More:

I haven’t added them to my site yet, but there’s also several other ways to make some money. There’s surveys, which I’m always on the fence with. I don’t mind them and they definitely pay off, but they can be time consuming. There’s also apps that pay you to watch videos, click emails, and have so many other opportunities.

If you’re interested in making a few bucks, then click on my referral links. They are found on the Financial Tips page.

What apps / sites are you successfully using to increase your income?

The Rewards Are The Reason

Sometime soon, I plan to update the Financial Tips page. There’s several more sites to add that I’ve been using. I also realized that I added some that haven’t actually paid me yet. I tend to get side tracked and lose my train of thought. I really want to make a point to separate those that are legit, tried, and true.

That’s the whole point of sharing all this on my site. I’ve experienced not being paid, wasting too much time, contacting customer service multiple times, researching, and so forth. I have been doing the crappy part of the work and discovered what is right for me. Now, those that are interested can partake in the benefits part with me. All I ask is that my referral links and codes are used. Most of the time when you do this, both parties get some sort of extra rewards.

The rewards are absolutely the only reason I do any of this. I honestly never had any interest in playing games on my phone. Except for that time I was obsessed with Dragon Vale for a while, but that didn’t last long. I viewed anything unproductive as a complete waste of time and other things should be done instead. When I learned about being paid to play games, this finally intrigued me. I looked into several apps. One paid me, but then stopped accumulating points. I ran into all sorts of snags, but I have found one that has been pretty decent. It’s called Mistplay. So far, I made $40 and I’m just about to cash out another $25.

I am taking a break from testing out any extra apps at the moment. It’s time consuming and I want to check out a few other things. I definitely need to do more surveys. If you find the right ones, they actually can be profitable. They are a bit of a timed, focused commitment which I struggle with. I will add the ones I have been successful with at some point. My latest endeavor has been testing and receiving discounted and free Amazon items. There’s one site I’ve received several items from, but it’s not always successful. I am working on researching some other sites at the moment.

Are there any apps or sites that you are using to make or save a few extra bucks? Share what works for you and any referral codes you may have as well.

Skullshine Sharing Some Savings

I’m obsessed with saving money and making a couple extra bucks. There’s too many apps out there that will supposedly help. I’ve gone through so much time researching and stressing to better myself financially. I figured it was a good time to begin sharing some of the things I’ve discovered along the way.

As with most things on my site, the Financial Tips page will be updated when possible. For the time being I have listed the companies that I have had the most success with cash back so far. Games, surveys, and much more will be added shortly.

Please feel free to share your experiences as well. Any feedback is also appreciated.

Thanks bunches!

LadySkullshine

Ready To Finally Begin This Next Journey

Now that I’ve spent a good portion of my day updating and rearranging my site, I can now write this and then accomplish a few things that I should have already done by now. I think I’m finally at a place where I can begin to actually blog more often and also add more content. I just needed to weed through all my old pages and posts first before I could even think about my new direction. There was still a lot of my old LadySkullshine promotional and photography portfolio. Cool to look back on, but I’m on another new journey once again. There have been so very many already, and I anticipate more since I’m constantly changing.

My next task will be to get my ebay items listed on here, along with more numismatic things, and a whole lot more about saving and making money. My fiance does extensive research in the numismatic realm. I usually just type what he says when it come to putting coins on ebay. I myself have recently spent ridiculous amounts of time on saving/making extra money. It is tedious at times, but it has definitely paid off.

That’s it for today. I must go check on my family and be productive before I am once again side tracked. Time is not at all my friend.

If anyone is reading this, please click the like and leave a comment.

Thanks!

Who Is LadySkullshine?

Since I have an About Me section, I didn’t intend to write this post. However, I signed up to learn more about blogging and my first task was to do this. So, who am I and why am I here?

For those who have no idea who I am, I’m LadySkullshine.

I suppose a good way to start is to tell you to google my alt name and you’ll find a whole lot of my work from over the years. I feel like that’s actually pretty cool for me to be able to say. The name originated around 2010 and came out of brainstorming with a few others. At the time, it was perfect for what I was doing. I had been recently unemployed, which created an opportunity to learn a few things and volunteer my time helping out local businesses, the local metal community, and a few things outside of that. I did a ton of promoting and photography. That was my original primary focus. From there, I began to take on a bit much but still persisted. I had managed a couple bands, did some modelling, a ton more photography, ticket and merchandise sales, announcing at music awards, made shirts and hoodies in my home once, and a few more things that had gone on for quite a few years.

It started to die down slightly when I got back to working but I insisted on continuing to help out wherever I could. When my time with family was compromised, I had to end most of it. My babygirls are my life and they always come 1st. The last thing I really did was star in a my friend’s horror movie with my oldest daughter a few years ago. You can actually find us on IMDb, which is also pretty cool.

Over these long years, my site has been restructured several times as far as content. In an effort to hang on to the history of my site and of course to showcase my past work, I have saved some of the old LadySkullshine in a separate archival section. The rest of my site has shifted focus on awareness of several disabilities that affect my life in one way or another, saving money any way possible, Numismatics, along with anything else I decide to add along the way.

Now that I have gone through the process of writing this, I’m remembering things and realize there is a lot more to my history that is actually very interesting. I may continue this post with more details at a later time.

Stay Tuned For More LadySkullshine!

Thank you!