Nikola

Posts Tagged ‘free products’

Learn How to Live Below Your Means

In budget, Your World on September 14, 2010 at 8:14 AM

Image Credit David Siqueira

 

When I was in my late teens and early twenties, I’d easily spend $300 on a Coco Chanel wallet or Tiffany card case.  And that evening, it was nothing to drop another hundred on dinner with friends.  Sears, Kmart, Target and “the Walmart” were definitely off my shopping radar.  After all, only poor people shopped those places.      

When I look back at all the money I wasted buying status symbols that only served to make other folks rich, it makes me ill.  The genius who said, “Youth is wasted on the young,” sure got that one right!       

Thankfully, when I turned 24, I married a man who can make a $20 last six months!  He showed me how to manage our money so that it wouldn’t end up managing us.       

These days when I climb into my 11 year-old Honda (156,000 miles and counting) – I smile.  And the folks at my local Walmart, well, they know me by name. 🙂  I’m ecstatic when I find scream’n deals on toothpaste, or save cash by dining in.  And paying extra on my mortgage makes me downright giddy!      

Being frugal doesn’t mean you have to live like Ebenezer Scrooge.  It simply means living below your means – comfortably.        

Here are five tips to get you started.     

 Invest in yourself.  I believe in stimulating my economy.  And don’t count on Uncle Sam or anyone else to take care of my needs.  Dedicate a portion of every paycheck to savings. Whether you invest in the stock market, deposit money in a credit union savings account, a tin can or under your mattress – pay yourself.  Even if it’s just fifty cents a week.     

 *Backyard, Sauna and Room for a Pony.  Your mortgage or rent shouldn’t consume more than 28% of your monthly gross income.  But remember – just because you qualify for a loan or have 28% to spend on rent, doesn’t mean you can afford to make the payments.  Owning a home involves much more than paying the banknote.  Home maintenance, property tax, and home owner’s insurance are just a few of many, expenses.     

Note:  Your total debts, (rent, car payments, student loans, credit cards, etc.) should equal 36% or less of your gross monthly income.      

 Paying Retail is for Suckers.  It’s silly to pay full price unless you have to.  Shop around on and offline before making purchases.  And be sure to clip coupons and take them with you.  Check out, My Simon, Fat Wallet, Retail Me Not, Deal Hunting, and Ebates, to find mind-blowing savings.     

 Budgets Rock.  Whether you’re making a six figure salary or living off tips, the only way to see where you spend (and hopefully save) money is with a budget.  Mint and Money Strands are two good and FREE budgeting tools.   YNAB 3 is also a great choice, but the price is $60 bucks.     

 Got a Raise? Great!  Good for you.  Save at least 50% and put the rest towards paying off debts.     

Don’t let a sense of entitlement make you poor.  Instead, practice a little self-control and spend carefully.      

*Keeping Up Appearances – British Situation Comedy.

Free for You and Me!

In Your Freebies on July 1, 2010 at 1:49 PM

Before heading out this holiday weekend, take advantage of these HOT freebies and coupons!

 

  • For a limited time, receive free sample bottles of Erik Prautsch’s Hairtrigger shampoo and conditioner.  These items are from his newest line called SMOOTHSMOOTH.

  • Transform a backsplash, toy box, or office wall into a high-performance dry-erase surface with IdeaPaint!   Click here to receive a free sample.

  • Before you head out this July 4th weekend, print this coupon to receive a free 32oz fountain drink at Pilot Travel Centers.  Click here to find a Pilot Travel Center.

Your Freebies!

In Your Freebies on June 5, 2010 at 6:01 PM

Round out your weekend with a few noteworthy  freebies – Enjoy!

Enjoy a steamy cup of Starbucks VIA Ready Brew

 

Order a free home water care test kit from Nature’s Own

Receive a free sample of New Moist Sure Soothing Hand Hygiene.   Click on the “pump” .

The Polly Klaas Foundation offers a free Child Safety Kit

Receive  a Free Grilled Sandwich at participating Jack In The Box Restaurants.  Click here to find a location near you.

Freebies

In Your Freebies on May 17, 2010 at 9:44 PM

A quick post to update you on a few of the latest and greatest Freebies.   Please feel free to share your “free” finds; we’re happy to post them. – Enjoy! 

 

Print and Save!  Bring this coupon to your  JC Penney Sephora counter and receive a free sample-size mascara.

Daily Worth is a free daily personal finance email for women. We deliver practical tips, empowering ideas and the occasional kick in the pants. Our tips cover self-worth, net worth, saving, spending, earning, investing, taxes, entrepreneurship, financial feminism and lots of other things. ” – Taken from their site.

Just in time for the planting season, Burpee is offering a Free Vegetable Garden Guide

 

Got skateboarding or BMX riding kids?  Give them a free living on the edge poster from Fringe .

Download Sun-Maid Raisin’s free Recipes For Healthier Eating booklet and discover the naturally sweeter side of healthy eating.

Receive a free organic notepad from Solar Energy Pittsburg.

Introducing WysongEpigen; creators of the first starch-free kibble for your pet. Receive a free sample of their revolutionary dog food. 

 

All For Free!

In budget, coupons, Your Freebies on April 16, 2010 at 10:16 PM

Free Products

 

Just a small sampling of the free products we received this week!  

 Electrasol  

Pull Ups Potty Training Success DVD  

Vitamin Water  

Triple Flex Joint Supplements  

Tena Adult Underwear  

Depends Adult Underwear  

Green Genius Fully Biodegradable Trash Bags  

Pampers Diapers  

Nutrish Dog Food by Rachael Ray  

Beneful Dog Food  

U by Kotex  

Who among us doesn’t love free?  We certainly do!  So we’ve rounded up  five great sites that sport loads of free stuff to share with you! 

   

Walmart – Find free samples, free music, free tools and special discount offers.  

Stock Xchng  – Are you in need of free high quality images for your blog or website?  Or do you have images you want to share?  If so, Stock Xchang is the place to be.  Check out their huge gallery of high quality images; most contributors only ask that you give credit for their work.  

My Pet Savings – Save tons of dough on all your pet care needs by taking advantage of the freebies, coupons and special savings deals found here.   

Contest Girl – You’ll find loads of US and Canadian freebies listed here.  Or get your giveaway fix on, by entering the hundreds of contests listed here.  

The Freebie Blogger – If new and free is your thing, The Freebie Blogger is sure to satisfy your need.  

    

Don’t forget to use your “junk” email address and check out our article: Internet Freebie and Giveaways Stop and Think Before You Click Send .  

   

   

   

 

Get Great Summer Looks For A Lot Less

In Uncategorized on April 8, 2010 at 11:35 AM

Don’t spend a lot of dough updating your wardrobe.  Dress for less with these budget diva finds.  

For You  

Top, $15, sandals, $25, earrings, $12, bangles, $15, Apostrophe. Pants, $40, bag, $25, Covington. All at Sears.com and Sears stores.  

Revitalize Your Color  

Give your hair a shiny fresh start with these hue enhancers  

Got brown locks?  Try Pantene Pro V Brunette Expressions.  Around $6 at most retailers.  

Redheads, give John Frieda’s Radiant Red Luminous Color Glaze  a try.  $10 at Walmart  

If your hair is Blond and now has a brassy hue, Ken Paves Healthy Hair Boost Up Color drops in platinum, will set it straight $40 at Beauty.com  

   

   

   

   

For Babies and Big Girls  

 

Sewcial Charm Personalized Bloomers $9.99

  

Personalized Pink/Chocolate Diaper Bag $28.97 by Sewcial Charm

 

Cotton Candy Pink Bandana Pillowcase Dress $9.99 by Bumblebees & Bonnets

 

Get a free Potty Training Kit from Pampers.  The kit includes: A free sample of easy up trainers, coupons, a sticker and coloring kit, a Potty Progress chart with step-by-step training instructions, a Dora or Diego trophy (select girl or boy on order form)  

   

   

For the Family  

Get the hottest deals and freebies at Freeminded .  Freeminded is a new site that pre-screens offers they post to make sure they are spam and scam free.  Check out their free sample offers, coupons and deals and just plain free stuff like t-shirts, pens and promotional items.  

Freebies – Samples LW Received Today

In Your Home, Your World on March 18, 2010 at 8:38 PM

 

Free Samples

Just a quick post to show the free samples LW received today.  Check-out,  Your Freebies  page often, we’re always adding new promotions.

Wishing you a budget friendly day!

– Nikola

Another Free Sample Offer:

Wal-Mart and Rachael Ray have teamed to offer a free sample of Nutrish.  Get your free sample by clicking here.

Inexpensively.Com

In Uncategorized on March 10, 2010 at 9:18 AM

LW is very pleased to announce that we were recently featured as guest writers at Inexpensively.com .  Inexpensively.com provides budgeting advice, lists coupons,  hot deals, and weekly grocery lists.

Our article, Internet Freebies and Giveaways – Stop and Think Before You Click Send – 5 Tips To Help Keep Your Personal Information Safe is found on their website.  Please click here to read the full article.

  Excerpt

Most of us moms are pretty savvy when it comes to scoring a 6 pack of Lysol for $1.99.  But, at times we forget to apply this same savoir faire when it comes to giving out our personal information on-line. 

Follow these 5 simple steps to shield your privacy from prying eyes.

 

Free Green Genius Trash Bag and $2 Off Coupon

 

Green Genius is an environmentally conscious company.  Their mission is to develop products across multiple categories that will help remove plastic from the environment.   Receive a free sample of their fully biodegradable plastic trash bags by clicking here

Your World

In Your World on February 25, 2010 at 10:45 AM

Your Freebies!

 

Who doesn’t like freebies? Especially in these tough economic times. The offers listed below are 100% free with  no strings attached!

Procter & Gamble Everyday Solutions – Free Product Samples

 

P&G  always has a great selection of free sample offers and coupons. Visit the promotions page and select free offers that interest you. Currently available:   Tide with Febreeze, Tide Stain Release, IAMS cat and dog food, Head and Shoulders shampoo, Prilosec OTC, Oil of Olay body wash,  Metamucil, Downy Simple Pleasures and Tampex Pearl.   Check back often because the selections change. Click the image above to visit P&G’s Everyday Solutions website. 

http://www.pgeverydaysolutions.com/pgeds/pg-brandsaver-samples-coupons.jsp

Freepeats – Free Baby, Kids & Maternity Items

Freepeats is an easy way to give and to get free baby, kids and maternity items.  It’s even free to join and is open in 54 cities across America:  freepeats.org or click image at left.

 American Society for the Prevention of Cruelty to Animals – Free Wristband

 

Walmart and the ASPCA have teamed up to offer this free wristband to all animal lovers. Get your free ASPCA.org wristband simply by visiting their website.  Click on the puppy at right, to go directly to the order form or visit their site at: http://www.aspca.org .  

Target – Free Scotch Fur Fighter

 

Target is offering Scotch Fur Fighter Pet Hair Remover for $3.99. It’s free after this $4 off coupon.  Click on the puppy at left to go directly to the coupon or type

http://www.3m.com/us/home_leisure/petcare/coupons/PetNewsletterCoupon.pdf 

into your browser.  Act quickly – this coupon expires February 28, 2010.

Joint Oats 4 Dogs – Free Sample Product

 

 

Joint Oats 4 Dogs is a joint aid for senior and working dogs.  Request a free sample by clicking on the image at left or by visiting their website and clicking on the “Free Sample” button. Please allow 6 – 8 weeks for delivery. http://www.jointoats4dogs.com/dogs/

If you are unable to use these products, please consider donating them to your local crisis center or animal shelter.

Welcome to the First Edition of Live Well for Less!

In Welcome on February 23, 2010 at 5:44 PM

Nikola H.

Live Well for Less is  for the thrifty chica in all of us.  Our goal is to help women Live Well for Less in all areas of their lives.  Our magazine focuses on affordable, useful and “do-able” ideas for today’s 20 something and up woman.  Throughout LW, you’ll find savvy shopping  tools, realistic and easy recipes, healthy living strategies and  budget-friendly hair, beauty and fashion ideas that work for real women.  Special features include reader interviews, free product samples, simple crafts, pet perks, relationship questions, and movie, book and music reviews.     

 This edition’s topics include:  Your Fashion, Your Food, Your Health and Your World.    

LW is all about You!    

*The opinions expressed here are based on research and personal experience.   LW does not receive compensation for the products or web-sites mentioned in this magazine.  

LW is currently seeking guest bloggers.  Thrifty chicas & “chicos” interested in submitting articles, please respond to this post or contact us at:  livewellforlessmag@gmail.com.   Thanks, and we look forward to hearing from YOU.

*We’re experimenting with several layouts; please pardon “our dust”. 🙂