Tag Archives: save money

5 Tips for Getting your Finances Vacation-Ready

Learn how managing your money this summer can make travel season even easier

Presented by Member One Federal Credit Union

Planning for summer travel means choosing a location, booking your stay, and counting down until vacation time. It also means effectively managing and protecting your money so your anticipated getaway doesn’t turn into an unexpected staycation. Follow these simple tips for keeping your financial life in order before, during, and after vacation. 

Notify your financial institution before you hit the road. Nothing could ruin a vacation faster than a lack of funds due to a limited cash supply and/or a frozen credit or debit card because of suspicious-looking account activity. Letting your financial institution know that you’ll be traveling helps keep your accounts safe and avoids interruptions in your credit or debit card services, especially if you’ll be out of the country. Many financial institutions offer a simple online form that you can complete ahead of your travel.

Record card information and other important documents. Before you leave, record card numbers and customer service contact information, your passport, and insurance cards. Take photos of each item or write the information down on paper and keep it in a safe location, like a hotel safe. You can also store the information on your computer or email it to yourself. As long as you can locate an Internet connection, you’ll have quick access to this information in case you need to report that it’s been stolen.

Pay for larger purchases with cards. A credit card in particular offers the most security because, unlike a debit card, it’s not linked directly to your bank account—so there’s no risk of fraudsters gaining direct access to your money. Plus, purchases made with a credit or debit card might be replaced by the card company if the item is stolen. 

Don’t carry all your money at once. One tactic to keep cash safe is to split it up. Keep a certain amount in your wallet and another amount stashed away for later. Overall, the best approach is to carry a combination—a credit card for the majority of purchases, another card as a backup, and cash. While cash can be easily stolen, it’s a good idea to keep a small amount on hand in case you encounter a merchant or service that only accepts cash. 

Review your bank and credit card statements. Upon returning from your trip, look at your bank and credit card statements to check the accuracy of transactions. Get a receipt for every transaction made while on vacation and compare this to the total charged to your account. Receipts are also helpful to have on hand in case you have to dispute a charge with a vendor. 

Join Member One here each month for more money-saving tips and financial advice! Be sure to visit their website, www.memberonefcu.com, for more info on their products and services. Member One Federal Credit Union is federally insured by the National Credit Union Administration.

Gardening Without Breaking the Bank

Ladies, it’s just about time to break out those watering cans! Summer is just around the corner and we know what that means… fresh vegetables and flowers straight from the garden! We wanted to help you make the most out of your gardens this year while still being able to stay within your budget. Also, we have a few ideas to keep you out of those annoying hardware stores buying gallons of chemical-filled products for your garden, and instead spending more time enjoying your garden by making your own products at home!
First, did you know that you can actually regrow some vegetables like lettuce, celery, onions, tomatoes, carrots, and even potatoes from the scraps left in your own refrigerator? This is a huge time and money saver because you’re regrowing from something you have already purchased and you’re starting from a base instead of a seed! So, stop throwing them away and find a planting pot, fast! For flowers, you and your neighbors can share and propagate cuttings from your larger flower bushes/plants in order to save one another money.  Plus, this way everyone has beautiful flower beds while building stronger relationships with their neighbor! Another super easy way to save money is to, instead of waiting until the middle of the day when it’s the hottest to water your flowers or vegetables, do it first thing in the morning or after the sun has started to go down. This saves money because you end up using less water because plants will need more water in the middle of the day to prevent becoming wilted. However, if you water them in the morning or the evening, then they already have all the water they will need to make it through the day! While this may seem like a difficult time of the day to squeeze another task into your morning/evening routine, spending quality time in your garden during the most peaceful times of the day is good for the soul. You might even find that it puts you in a better mood for your day by just spending a few extra minutes in your garden each morning/evening.
gardening1Making your own organic sprays or fertilizers in order to avoid spraying your flowers or vegetables with potentially harmful chemicals is a great alternative! Even better is that making your own organic sprays prevents you from going into those overwhelming home improvement stores trying to sell you unnecessary things in order to have a successful garden. If you are active on Pinterest you can find tons of recipes for both organic pesticide sprays and fertilizers here. Our favorite organic pesticide spray to use on vegetables and flowers is from LavenderandLime.com and contains only the best ingredients to keep pests and chemicals out of your garden! For more ideas on how to have a successful garden and how you can get an early start, pick up our March issue out now!

Written by Kathleen Duffy

Get Your Starbucks Fix for Less

Et tu, Starbucks?

Beginning this week, everyone’s favorite coffee shop is raising prices on lattes, brewed coffee and ground coffee, due in part to a lingering drought in Brazil. Grande and venti brewed coffee will increase by 10 to 15 cents, while tall and venti lattes will see price increases of 15 to 20 cents. After July 21, bags of ground coffee sold in stores will increase by 8 percent, or over $1 per bag.

Since Starbucks is considered a splurge by most personal finance experts, this price increase is especially tough on those trying to watch their spending. However, there are ways to get around this unpleasant reality and still feed your addiction frugally. Consider these 12 ways to save at Starbucks.

1. Enjoy rewards.
The My Starbucks Rewards card provides loyal customers with such, well, perks as free drinks, free food, free refills and more. Cardholders also receive a free beverage of any kind or size on their birthday, as demonstrated by this gentleman who ordered a 60-shot espresso concoction. Stars are earned whenever the Starbucks Card or Starbucks mobile app is used at checkout.

2. Buy discount Starbucks gift cards.
At GiftCardGranny.com, you can buy discount gift cards to Starbucks for as much to 20-percent off. For instance, pick up a $100 Starbucks gift card for just $84.54 and save over $25! In addition to saving on coffee, buying discount Starbucks gift cards is a great way to save on gifts for birthdays, holidays and graduations.

3. Print or redeem coupons.
Even Starbucks issues coupons from time to time. Keep track of these coveted offers by searching sites like CouponSherpa.com, where you can find both printable and online offers for savings. Also, check out Starbucks’ website periodically as they advertise special offers like their current “summer surprises” texting campaign.

4. Keep eyes peeled for daily deals.
Ever notice how your Facebook feed explodes when Groupon or LivingSocial issues a daily deal to Starbucks? Once or twice per year, you can score a $10 digital gift card to Starbucks for just $5. You must have an account with daily deal providers to get the deal, but you can personalize your settings to only receive emails weekly. That way, you’re not bombarded with daily offers but can be notified about the Starbucks deal.

5. Join the mailing list.
By joining the Starbucks Mailing List, you’ll get a coupon for 10-percent off your next order. Plus, you’ll find out about special promotions like seasonal offers, member-only benefits and discounts on speciality drinks. You can sign up here, or hold off until you have time to create a separate email account just for promotional offers!

6. Get social.
Follow Starbucks on Facebook or Twitter to get notified when they release special promotions, coupons or daily discounts. Last summer, followers could enjoy the “Starbucks treat receipt” which awarded customers to a $2 grande cold beverage after 2 p.m. simply by showing the morning receipt. Finding out about these saving promos early is easy when you follow the brand on social media.

7. Choose coffee over espresso.
To keep costs down while fulfilling my Starbucks addiction, I sometimes opt for brewed coffee over an espresso beverage to kick start my day. When I’m really in the mood for a latte or Americano, then I satisfy the craving for less by sticking to a tall or grande size over the venti.

8. Look for sale or clearance tags.
When it comes to shopping Starbucks goods, never buy at full price! That cute coffee mug or trendy eco-tumbler will inevitably go on sale, so make a note of what you like and hold off until sale time. Save even more when you buy your clearance good with those discount gift cards I mentioned!

9. Ask for “light” ice.
Iced coffees are just the ticket on warm summer days, but you often end up getting less latte than if you ordered the hot version. That’s because ice takes up more than half the cup most of the time. Avoid this issue by requesting “light ice” when you order your chilled beverage.

10. Go halfsies with a friend.
If you and your friend like the same drink, order a venti and ask for an extra cup. Starbucks doesn’t charge for the extra cup and you can often save an average of $1.50 by splitting up their biggest size. It’s a cheapskate move, but you’re probably doing both your systems a solid by not downing a venti of caffeine!

prepares espresso in his coffee shop; close-up11. Bring your own cup.
As an eco-friendly company, Starbucks is all about promoting sustainable practices and limiting its impact on the environment. As such, it rewards its customers who bring in their own tumblers and cups with a 10-cent discount. Just bringing in your own mug will cancel out the price increase on grande and venti brewed coffee – score!

12. Earn stars with coffee bags.
True coffee aficionados drink the good stuff at home, too, which makes the $1 increase on ground coffee all the more painful. However, you can earn more Stars on your My Starbucks Reward card when you buy specially-marked bags of Starbucks coffee from grocery stores and other retailers. Earning Stars helps you score discounts and freebies!

Written by Andrea Woroch, a nationally-recognized consumer and money-saving expert for Kinoli Inc., 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 as Good 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.