Are Sample Sales Really A Bargain?

Grocery cartsWhen retailers have excess merchandise, sample sales are often used to move the surplus and unload the extra supply. These sales are usually advertised as offering sharply discounted items, but are the deals really as good as they say? Sometimes the discounts are less than spectacular, but if you use the right shopping strategies, you may be able to score a terrific deal on some great stuff. Here are a few tips on shopping sample sales to help you get the best bargain.

1. Evaluate the discount carefully.
Sample sales, especially the ones on the web like Gilt.com or Ruelala.com, are notorious for offering unbeatable prices on high-end merchandise. While these aren’t necessarily bogus claims, shoppers should be aware that retailers sometimes try to move their excess merchandise at prices that, while low, may not be as good as they make them out to be. One way of determining if the deal is really a steal, is to figure out how much the item would normally go for and compare it to the offered discount. If the discounted price is no more than 50 percent of the suggested retail price, then you’re getting a good deal.

2. Know what constitutes a real sample.
True samples are usually prototypes from manufacturers or designers. They aren’t necessarily the same thing as surplus or overstock merchandise. If you’re buying a true sample, you stand a much better chance of getting a great deal.

3. Check for any imperfections.
This applies to sample sales you find in stores or warehouses. Many places will offer discounted items (particularly clothing items) that have slight or moderate imperfections. These items should be properly marked with an identifying tag that says something like “imperfect” or “defect” and notes the details of the imperfection. These imperfections could be superficial, like a seam that isn’t completely straight, but they could also involve something that could potentially affect the item’s functionality. If you find an imperfection that isn’t marked, don’t be shy about asking the merchant to give you a break on the price, but don’t be pushy about it either.

4. Sizes may not be accurate.
Garments that are true samples (see above) are often not true to size. This is because real samples have been tailored to a specific model’s sizes. The inseam may be a little long, the waist may be cut a little narrower or the neckline may be slightly deeper, and so on. Always try the sample on and if it needs altering, consider the cost of alterations into the price to see if the deal is really worth it.

5. Don’t be tempted by urges to “Buy NOW While Supplies Last!” online.
Web sales can’t rely on impulse buying the same way a physical store can. When shoppers are in the store, they can see the item in person, touch it and hold it in their hands. Researchers have claimed that the ability to see and pick up an item increases a shopper’s tendency to purchase that item. With web sales, advertisers have to be a little more strategic if they want shoppers to click the “add to cart” button. The most common way to do this is by getting you to sign up for email offers or exclusive discount mailing lists. Once you do that, your inbox may be bombarded by “limited time offers” and urges to buy quickly. Resist the temptation to buy right away, even if the items are going fast. Ask yourself if you really want the item and if the price is really that great.

6. Delaying gratification can save you more money.
While we’re on the subject of resisting the urge to buy right away, it should be noted that web sales are generally better the closer an item gets to being out of stock or the closer it gets to the end of a season. You can sometimes save an additional 10, 15 or even 20 percent if you shop during the sale’s final hours. Keep an eye out for keywords like “blowout,” “inventory clearance,” “year end sale” and “final sale.” This applies to just about any retail store, not just sample sales, so it’s worth noting.

Do you have any other tips for shopping sample sales? If so, what’s the best deal you’ve found? Let me know in the comments!

Considering becoming a mystery shopper? Read this first.

young woman shoppingHave you heard of “mystery shopping?” It’s a service where companies hire qualified people to “shop” at a designated place and report back about their experience. Here’s how the Mystery Shopping Providers Association (MSPA) explains it:

“A mystery shopper is a person who visits an establishment (typically a retail store, bank, restaurant or other such places where the public does business) for the purpose of observing and measuring customer service, product quality and the environment of the establishment in general.”

It’s a great way for companies to learn more about their employees, products, and how consumers view them. But there are benefits for the “shoppers” as well. Mystery shopping can be a fun way to make extra money, and it’s great for people who aren’t satisfied with a “desk job,” but it may not be for everyone.

Despite what you may have read on the Internet, mystery shopping is not a “get rich quick” scheme. It actually involves a lot of attention and dedication to gathering data. The MSPA explains that, contrary to popular belief, mystery shoppers do not get paid to shop – they get paid to gather information. Another common misconception about mystery shopping is that you get a ton of free stuff. While you may sometimes get a free meal, discounted merchandise or other similar benefits, mystery shoppers generally get paid a fixed amount – usually between $8 and $20 for a typical shopping job, but these amounts can vary greatly.

“Mystery shoppers know, before deciding to request or accept an assignment, what they will be paid,” according to the MSPA website.

The MSPA warns interested applicants to beware of organizations that promise lots of freebies and too-good-to-be-true offers. Also, the MSPA says that you should be “extremely leery” of any organization that asks you to pay to become a shopper. This is a big red flag that signals a scam. This is not the same as being asked to purchase an item or pay for a service as part of the shopping assignment. In those instances, the shopper is usually reimbursed.

So how does one become a mystery shopper? Start with the MSPA. They have a lot of valuable information to educate shoppers on the business and you can even search for available shopping assignments through their site. Learn more here: http://www.mysteryshop.org/shopper

The Return of the Local Barter System

local barter system

At the monthly Port City Swappers meetings, attendees can “bid” for homegrown, homemade or foraged items.

Before the days of paper bills and metal coins, civilized people relied on a barter system to obtain goods and services. It usually started out with people who specialized in a certain trade offering their surplus items in exchange for the goods or services they needed. A shepherd, for example, might have taken his surplus wool to market in the hopes that he could trade it for something like produce, meat or raw materials.

Today, the world is a very different place. Having a common currency allows a lot more freedom for consumers to purchase the goods and services they want without having to produce something to exchange. However, a small revival of the barter system seems to be taking place – at least on the local level. Neighborhood “swaps” have become popular again, allowing locals the chance to trade their homemade goods among one another. These swaps seem to have sprung up around the “green” movement, which has made eco-friendly and organic gardening en vogue. But these swaps don’t strictly stick to fruits and veggies. In some swaps, you can find anything from homemade soaps to fresh baked cookies. These local swaps seem to be more about nurturing community spirit and discouraging reliance on the big chain stores, rather than focusing on a particular type of goods.

One noteworthy swap organization located in Wilmington, N.C., is Port City Swappers. They organize a local swap meet every month and invite people of the community to bring their homemade goods to trade with others. According to their information page on Facebook, “swaps allow direct trades to take place between attendees, e.g. a loaf of bread for a jar of pickles or a half-dozen backyard eggs.”

As with most local swaps, there are a few rules. For Port City Swappers, the goods must be homemade, home grown or foraged. Also, participants in the swaps adhere to an honor system in which the swappers are expected to bring goods that have been grown, handled and prepared in safe and hygienic manner. Naturally, there’s no way to prove that swappers have taken the necessary food safety precautions, so swappers must go with the understanding that they swap at their own risk.

Port City SwappersWith the Port City Swappers, no cash is exchanged and no goods are sold. Attendees are allowed to bring as much or as little as they want. The swaps last about 2 hours with the first half hour devoted to signing in and setting up. Swappers then fill out name tags and their “swap sheets,” which are sheets of paper for each item to be traded. On these sheets, other swappers write down what they would offer in exchange the item, much like a silent auction. The final half hour of the swap is when the trading actually takes place. The attendees go back to their original swap sheets and look at the offers. They then find the person they want to swap with and go from there.

Wilmington’s not the only place these neighborhood swaps are happening. Communities across the country are becoming more interested in local trading, and not just with food. Some swaps encourage people to bring gently used clothing, furniture, even arts and crafts supplies. These swaps can be great for finding useful items, delicious food and a whole lot more. Not to mention they can also help you save money!

Are there any local swaps in your area? Let us know in the comments!

Low Cost Health Food

grandfather and kids making saladThe obesity crisis in America not only drains the health care system, it also prevents millions of individuals from experiencing the highest quality of life possible. A Gallup poll in 2012 revealed that more than one in four Americans is classified as obese. This problem encompasses all ages, races, sexes, and socio-economic groups. It is no secret that the combination of a poor diet and lack of exercise are the root causes of this epidemic. Even for those not suffering from a weight problem, dining on healthy fare should be a goal, because it is simply the right thing to do. Take it from the “Father of Medicine” – Hippocrates: “Let food be thy medicine and medicine be thy food.”
Many often make the excuse that eating healthy is just too expensive. Here are some suggestions that dispel that rumor!

Affordable Organic
No this is not an oxymoron. Now more than ever, it is easier to find locally grown and organic produce. It is still taking some time for supply to keep up with the demand, however, taking the time to seek out produce that is both local and organic should yield some positive results.

Choose Carefully
The idea of a more plant-based diet has really taken off in the past few years with bestsellers like, “Food Matters” and “Forks Over Knives.” Incorporating more fruits, vegetables and whole grains into the diet is always going to be beneficial. If those products are organic – great; however, if that is not a cost-effective option, don’t worry. It is still far better to include them in your diet, organic or not. The annually updated food lists from the Environmental Working Group, known as the “Dirty Dozen” and the “Clean Fifteen,” are helpful resources for making wise choices.

Buy Bulk
The whole foods healthy basics are super cheap, especially when you buy in bulk. Be aware that many of these items keep longer in the refrigerator or freezer, so free up some space. Healthy bulk item suggestions are: brown rice, oatmeal, steel cut oats, quinoa, dry beans, raw nuts and seeds, stone ground grits, cornmeal, flours, dried fruits, and even pasta.

Skip Soft Drinks
Despite the fact that soda has been linked to obesity, diabetes, dental health problems and other health risks, Americans continue to consume sugary carbonated beverages. A recent Gallup poll revealed that 48% of Americans drink soda on a daily basis. A March 2013 article in the Huffington Post reported that sugary drinks are associated with 180,000 deaths around the world:

“As many as 180,000 deaths around the world are linked with sugary drink consumption, according to new research presented at a meeting of the American Heart Association.

Specifically, sugar-sweetened drinks — including sodas, sports drinks and fruit drinks — are linked with 133,000 deaths from diabetes, 6,000 deaths from cancer, and 44,000 deaths from heart disease.”

Why then would anyone pursuing a healthy lifestyle waste money on this liquid poison? Make your own soda with real fruit juice and seltzer water. It’s healthy, natural, fizzy, tastes incredibly better than the artificial stuff, and beats soda every time in terms of a common sense alternative!

Join a Farmer’s Cooperative
In many communities, farmers’ cooperatives exist. They provide the chance for members to buy direct and sell weekly or monthly food boxes of a combination of in-season items. Some may even offer baked goods, dairy products, eggs, seafood and meats. They are all independent and operate differently. That is, some may require a small start up fee in the winter to pay for seeds and plants; others may ask that you pick up, while some may deliver. Your local Agricultural Extension Service should be able to direct you to such an organization.

Grow Your Own-Make Your Own
The rewards of growing your own fruits, veggies, and herbs are priceless. Not only is it an excellent learning opportunity, it gets you outside and is a productive and healthy way to spend a little time. Of course not everyone has a sunny spot for a home garden, which is why growing herbs inside is a nice option.

Learning to make your own food products is another step on the path to maintaining a healthy diet on a budget. Cookbooks from the library and millions of YouTube videos will amp up your cooking skills in no time! Freezing, canning, and using inexpensive appliances such as a slow cooker and dehydrator, allow a home cook to save hundreds of dollars each year – think soups, stews, kale chips, jerky, dog treats, power bars, and so on. Additionally, your end product will be free of bad ingredients and tailor made to suit the tastes of your family!

Here’s a fun idea: With summer fast approaching, why not try making your own popsicles? Read the ingredients in the ones at the super market in case you need a little incentive! Invest in some sturdy molds and blend up some fresh fruit choices like mango orange, pineapple banana, watermelon lime, cinnamon peach, coconut, and homemade fudgesicles – a definite favorite!

How to Save on Your Media Addictions

woman-on-laptopAre you someone who likes to keep up with the latest in music, sports, fashion, and film? Regardless of your interests, chances are that from time to time you invest in CDs, DVDs, books, and magazines that extend your enjoyment of those favorites. When it’s all said and done, it is very easy to spend a small fortune on any one of those types of items. Then for some reason we hang on to them longer than necessary, because, come on, “We paid good money for those.” In the ongoing quest to save and use “good cents,” let’s examine a few ways to cut way back on media purchases.

The Swap Shop
You can get your friends and neighbors together and swap just about anything! The idea is to bring your gently used mags, CDs, DVDs, etc. and swap them one on one. So, the more you bring, the more new to you things you can take home. And let’s face it, how many times do you really want to watch that samurai movie, or “Pretty in Pink”? It is possible to do a genre themed swap as well. For example, children’s books and DVDs, mystery paperbacks, home improvement magazines, jazz music-really, the sky is the limit.

There are community swaps in some towns and cities that take place monthly. Keep an eye out on activity calendar message boards and places like craigslist for details on these types of exchanges.

The Library
Hands down, that library card is worth its weight in diamond-encrusted platinum! Where else can you have access to thousands of books, magazines, DVDs, and CDs? Nowhere! Try burning a CD to your I-tunes account and returning it to the music store! Lots of libraries also allow patrons to check out magazines that are one month old and many now have mp3 players pre-loaded with audio books. You just supply a AAA battery and your headphones. Wonder what would Andrew Carnegie think about all of that?
Library sales are another excellent way to save hundreds and support a great institution.

Second Hand
Poking around second hand shops, used book stores, and yard sales is ideal for finding some wonderful music, gently used books and DVDs. For those vinyl collectors out there, finding the perfect used venue is equivalent to finding buried treasure. Sellers also advertise these items on eBay and craigslist for very reasonable prices.

Cyber-Space
Yes! There are sites that allow the legal download of some things for free! The Huffington Post has the list of 35 of those sites here.

There are numerous sites that allow users to download audio books for free. A quick Internet search is all you need to get started.

If you take the time to peruse the iTunes Store, you’d be surprised how many free and deeply discounted songs, movies, TV shows, and podcasts there are. Often, there are free previews to stream prior to a release, along with season passes on some premium cable network shows.

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Couponing for Beginners

key on top of cashThe coupon craze has swept across the country, with classes, clubs and organizations offering “how-to” lessons for those who want to save big bucks on their grocery bills. But if you don’t have time to attend these classes, or if they don’t offer one in your area, here’s a beginner’s guide to couponing to help you get started!

The Basics of Couponing:

  • Learn the Policies
  • Learn Where the Coupons Are
  • Perfect Your Timing

Couponing can be a great way to save money on your grocery bill. But without employing the right strategies, the monetary benefits can be quite underwhelming. To get started on the right track to couponing, you should first understand the basics.

First thing’s first: Learn the coupon policies of your local grocery stores. Most grocery chain stores post their coupon policies on their websites. As an example, see Harris Teeter’s coupon policy here.

Naturally, it may be difficult to memorize the policies of different stores, so printing the rules off and keeping them in a handy notebook or envelope is a good idea. In fact, most serious couponers keep this information along with their shopping lists and coupons in a well-organized binder or file box. Find some tips on organizing your coupons here:

After you’ve familiarized yourself with the policies, the next task is to find some coupons. It may sound old-fashioned, but the Sunday newspaper is still the best source out there for coupons. Some people choose to print their coupons online through a couponing website, which is also effective, but you usually have to download special software (most websites out there offer this for free) or sign up for an account on the manufacturer’s website.

The Sunday newspapers include inserts with lots of great coupons. In order to really make it worth your while, you’ll want to get a hold of several of these inserts. There are a couple of ways you can do this. You can either buy multiple Sunday papers or ask your friends or neighbors to save the coupons they don’t use.

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Can Budgeting Backfire? 3 Money-Saving Methods to Watch Out For

Calculator on notepadSaving money is something most of us enjoy. Whether it’s the joy that comes with having extra spending money at the end of the month, the thrill of walking away with free groceries after couponing, or the satisfaction that comes with a successful DIY project – there are plenty of reasons to reduce your spending. But can being budget-conscious backfire? Depending on your individual habits and your personal finances, there are a few money-saving methods that may not be worth your while.

Gardening

If you’re the type who loves to dig in the dirt, pull up weeds or research the best conditions for certain types of produce, then gardening can be a great way to save on your grocery bills. You may even be able to earn a little money from gardening by selling your produce at local farmer’s markets. But successful gardening takes a lot of work. Unless you’re willing to really put in the time and energy, the money you spend on supplies, seeds, tools and fertilizer will be wasted. So be honest with yourself. If you know you can’t handle the responsibility of gardening, you’re probably better off leaving it to the experts.

Couponing

Coupons are a tried-and-true way to save money, and not just for groceries. Auto shops, carpet cleaning services, clothing stores and hundreds of other types of businesses publish coupons to attract customers. But grocery store couponing isn’t always all it’s cracked up to be. You might have heard stories about people who save hundreds of dollars on their grocery bills every month, or the people who use certain couponing strategies to get free groceries. This sort of thing is certainly possible, but it usually involves doing a lot of research on the local stores and figuring out when and where the best sales are taking place. You may have to go to two or three different stores, buying certain things at certain places to take advantage of double or triple coupon deals. That involves a lot of driving around and a lot of diligence to discover the best opportunities to save cash.

Likewise, a lot of coupons require you to buy a certain quantity or spend a certain amount before you can even use the coupon. For instance, you may have a “Buy 3 get 2 Free” coupon on packs of paper towels, or a “Spend $100 and get $10 Off” coupon for a high-end clothing store. The paper towels deal might be great, if you’ve got space to store 5 packs. But pay attention to how much the paper towels are. If they’re $3 per pack, you’ll be getting $15 worth of paper towels for $9. It may make more sense to just buy one or two packs and only spend $3-$6. As for the high-end clothing store, the average price for a simple pair of pants could be as high as $50. Two pairs, and there’s your $100. The fact that they take $10 off your bill is great, but you’re still paying $90 for only two pairs of pants. Not such an awesome deal when you really think about it.

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Changing the Way You Shop

young woman shoppingIt is possible to save money on items that are essential and on those that are not. What gets many people into trouble is impulse buying, even with necessary things like groceries. Changing the way you shop and how you look at shopping in general can prevent you from making expensive mistakes.

Let’s start with food shopping. We’ve all been there – wandering up and down the grocery store aisles, no list, no ideas, unhappy, hungry kids in tow. In times like these, it is practically a guarantee than you’ll make unwise purchases and spend way too much money. When it comes to grocery shopping, it’s best to shop once a week, or even better, every two weeks. To pull this off, careful planning is required. Ideally, you’d want to find out which items are on sale that week, plan your menus, and write out a grocery list. Planning meals, cooking at home, and incorporating leftovers into the menu are all ways to save hundreds each month on food costs.

If this sounds like a daunting task, don’t despair. These are loads of resources on the subject, including books with tear out shopping lists, calendar pages of menus, and of course tablet and smart phone apps. Using the grocery store’s reward program and signing up for online notices about sales and special deals are also ways to save. Other ideas are to shop sales at discount stores for generic and every day staples, like napkins, cereal, and pet food. Finally, stocking up on fresh local produce at the farmer’s market is another example.

If you have ever shrugged your shoulders & thought, “When the going gets tough, the tough go shopping”…hold on right there! As part of changing your approach to shopping, thoughts like that must be banished from your consciousness. You can’t buy happiness, so don’t even try. In fact, avoiding stores all together is the best way to put an end to impulsive spending.

Understanding what triggers reckless shopping sprees can help put an end to pointless spending. Whether it’s on items for the home or clothing, unplanned purchases are usually the result of dissatisfaction. Perhaps you just read about some new home décor trends or thumbed through a fashion magazine at the doctor’s office? Now, suddenly everything you have is awful and must be replaced. Here are a few strategies to consider before going off the deep end into debt:

-Reevaluate what you have. Regardless of the item, ask yourself if it can be repainted, recovered, or altered in some way that will make it better? For example, could a little paint, new hardware, buttons, trim, or a shorter hemline make it work?

-Can you live with it for now until you find a replacement on sale?

-Have you looked for these things in alternative outlets to retail stores such as thrift and consignment shops? How about Craigslist and eBay? If you feel uncomfortable looking for the item used, just think – it’s new to you and you could save a bundle.

-Resist the temptation to make a purchase; instead think about it for one week and then see if the desire is as overwhelming as it was 7 days ago.

-Mull over other ways to spend the money instead of on the thing in question. Are there overdue bills that should be paid or are you saving up for a vacation or other big-ticket item?

-Another consideration is what kind of staying power the object in question has. Is it something that is well made and will last and be useful for years to come? Will this purchase be sustainable or wasteful?

-Finally, approach buying like a game: the only way to win is to avoid impulsive purchases and save instead of spend!

I Just Spent $12.38 On Convenience Fees

It’s the holiday season…full of festive decorations, fun times with family and friends, making memories and enjoying traditions…and the never ending to do list. At this time of year we take our ordinarily busy lives and cram in a bunch of shopping, cooking, volunteering, parties, wrapping, decorating…and then we try to also fit in a few days off to enjoy it all. Stressed out yet?

My intention in bringing this up isn’t to raise your blood pressure, but to talk about those dreaded “convenience” fees. I tend to get annoyed when I get to the final step in purchasing something online, say movie tickets for example, and the final price jumps by several dollars. In the past few days however, I found myself opting to spend a little extra on these fees…and honestly, they were actually very convenient.

The first convenience splurge came when buying gift cards as Christmas gifts for a few family members. When I asked for gift ideas they mentioned a few specific places that aren’t on my normal route. In less than five minutes I ordered them online and happily paid anywhere from $1 – $2.50 each for them to be shipped to my home. The time, gas, and effort saved not having to drive all over town buying these cards was well worth it – even to a total cheapskate like me.

My second splurge made me think for a moment before going for it. I was ordering tickets online for the local production of The Nutcracker for my daughter and me. At checkout for the “convenience” of printing my tickets right then and there and being done with it was $3.44 each. Almost $7. This is where some classic “Mommy Guilt” clicked on…I didn’t want to risk the show being sold out if I waited to buy tickets at the door, and disappointing my daughter. I also could have bought tickets at a local specialty toy store (clever co-marketing, huh?) but I figured there was no way I’d get out of there for less than $7 in impulse buys.

Sooo…I’m good with the gift card fees, would probably plan ahead a little better next time and avoid the ticket upcharges, but in the grand scheme of things I’m ok with the $12.38 tacked on to my holiday budget.

How do you feel about the convenience of these fees? Is the time or effort savings worth it, or do you find them completely frustrating and avoid them at all costs?

Is Pinterest Just One Big Temptation To Spend Money?

Pinterest, the wildly popular visual bookmarking site and latest social media craze, can be a lot of fun, and even somewhat addictive, but does it offer too much temptation to spend money? Browse through the images, or pins, on the site and you’ll see beautiful homes, stunning locals in far off lands, the latest fashions, delicious cupcakes, and creative table settings. And much much more.

The site can be a great tool and source of ideas and inspiration for anything from planning a wedding, to decorating a child’s bedroom, to coming up with a menu for a dinner party. But, the number of options can be overwhelming…and expensive.

Thinking of a carnival theme for your child’s next birthday? A quick search on Pinterest.com will return a seemingly endless scrolling page of gorgeous photos and super creative ideas. But do you need custom printed invitations, a big top style tent in the backyard, an overflowing dessert table, and color coordinating everything?

Wondering what to wear to an event this weekend? Check out a few fashion boards and you might feel you need to run out and get stacks of brightly colored bracelets, a new purse, and the latest nail polish color.

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