Tag Archives: grocery shopping

4 things you should never pay full price for 

Everyone likes to save money, and when it comes to certain purchases, you could potentially be overpaying. Even when you’re talking about just paying the retail price, there are certain things you should never pay full price for:

Groceries

If you plan your shopping trips strategically, you’ll almost never need to pay retail on your favorite food products and staple items. Check your local newspaper every week for sales, and stock up when you can. Even if you already have plenty of a particular item, if it’s something you know you’ll always need plenty of, take advantage of the low prices when you can. Always maximize sales prices by pairing coupons when you can, and if you need to buy something when it’s not on sale, try to find out if there are available coupons available to lower the cost. The Sunday newspaper is filled with both manufacturer and store coupons, and depending on your grocery store’s policies, you could possibly pair both. Don’t forget to check online for coupons, too. Speaking of online, sometimes you’re better off ordering certain stuff online from websites like Amazon if you want the lowest available prices. Just be sure to always compare your options first so you know you’re getting the best possible deal. It can be a bit of a pain in the neck, but once you make a habit out of it, the savings can be big!

 

Your next car

Nobody pays the sticker price on a car. Seriously. Unless you’re talking a super rare vehicle, private sellers and car salespersons don’t expect buyers to pay the MSRP or the asking price. This is one thing you can always haggle on, even just a little bit. You don’t have to be a big negotiator or anything, either—you can simply ask what’s the best price you can get and it’s almost always a guarantee that it will be lower than what the sticker is saying. If you really want to play hardball, though, you can get the best price possible by checking out our other article that exclusively offers tips for saving money on your next car purchase.

 

Gift cards

When you want to get someone a gift, but just can’t figure out what, you really can’t go wrong with a gift card. But if you’re paying dollar-for-dollar when you go gift card shopping, you’re doing it all wrong. Just a quick search on the web and you’ll find tons of legitimate websites that sell unwanted gift cards from people that would prefer to receive cash, even if it’s at a lesser value. Not only is this a great way to save on your next present for someone, but you can also buy gift cards for yourself to use for just about any purchase you can think of.

 

Video games and DVDs

Unless you want the latest releases, there’s no need to pay full price for DVDs and video games if you’re just looking to build your library. Gently-used movies and games that work perfectly fine will only be a fraction of the cost, and you won’t even notice the difference. From local electronics stores to online retailers, finding used movies and games is easy and can save you a ton of dough. Don’t forget to check clearance bins the next time you’re shopping at a department store or electronics store, also–if you’re looking for something that’s at least a few years old, you can often find a brand new copy at a significant discount.

 

Do you need extra cash to take care of a large purchase or to pay off debt? J.G. Wentworth can help! Contact J.G. Wentworth today to find out how you can sell some or all of your future structured settlement payments for a lump sum of cash.

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8 ways to stretch your dollars the farthest when you grocery shop

Want to make sure you are stretching your dollars the farthest when you shop for groceries? Considering how often most of us go grocery shopping, the reality is that even a little bit saved each week could add up to hundreds, even potentially thousands, of dollars over the course of a year. Here are eight ways to make sure you are stretching your dollars the farthest each and every time you shop for groceries, starting with:

Shop online for coupons before going to the grocery store

Before you even go to a grocery store, you should check out some of the many online coupon sites that can lead to substantial savings on groceries. These websites include Coupons.com, Redplum.com, and SmartSource.com, to name just a few.

Join your supermarket’s loyalty program

Signing up for a grocery store’s Loyalty Program, and checking in regularly to see what promotions they are running, will add substantially to your bottom line savings.

Plan meal selections around food discount opportunities

Most folks make a list of the foods they want to eat, then shop for them. Why not go to the grocery store or online coupon site first, see what promotions or advertisements are running, and plan your menu accordingly?

Learn which store consistently has the best prices on your most commonly purchased foods

Have a list of items you always purchase, such as cereal, eggs, milk, apples, etc.? Visit a few stores in your neighborhood and identify the ones that consistently have the best prices on these foods.

Shop for foods in season

The more seasonal a food is, the more likely it can be found at a lower price – and will taste better besides.

Slice meats, fruits, and vegetables yourself

You’ll save anywhere from 33% to 50% if you avoid purchasing pre-sliced fruits and vegetables and avoid deli counters.

Purchase food at “big-box” stores

Big-box stores like Costco, Sam’s Club, BJ’s Wholesale Club, and Walmart, among others, offer food items in large packages that can lead to substantial savings over time.

Consider buying meat, poultry, and fish in bulk

Most folks resist buying meat, chicken, and fish in bulk because they’re concerned about freshness. But as long your freezer is set at the proper level even these foods can be stored safely for substantial amounts of time.

We hope these eight tips on stretching your dollars the furthest will help you keep as much of your money as possible where it belongs – in your pocket. Our company, J.G. Wentworth, is a firm believer in the adage “a penny saved is a penny earned”; it is also our hope that all our customers, past and present, become as financially prudent as possible, and develop shopping habits that lead to substantial savings over time. If you are looking for financial assistance or for cash now out of your structured settlement or annuity payments, please call us today at 877-227-4713.

January purchases: You won’t believe how much money you can save this month!

January offers its own share of unique goods and services you can find at reduced prices. Here are just a few:

That one has the best display!

Television sets

With Christmas sales over, and Super Bowl Sunday just around the corner, January brings some great deals on big-screen TVs.

US Tax Form 1040

Discounts on tax return filings

While most folks won’t even begin to think about filing tax returns yet, big tax assistance companies like H&R Block will offer some of their best discounts of the year for early return filers.

Gym and fitness room.

Health club memberships, and other fitness-related products

January, of course, is the time to make fresh New Year’s resolutions, and many folks naturally resolve that this is the year they will finally get into shape. Companies specializing in health club memberships and offering other fitness-related products will attempt to capitalize on these resolutions by providing sign-up bonuses and other discounts.

Welcome to Fabulous Las Vegas Sign

Las Vegas vacations

Following the New Year’s holiday, prices for rooms at Las Vegas hotels typically drop through the month of February. Check out special package deals in the weeks ahead that could also include flights.

Couple Placing Sofa In Living Room Of New Home

Furniture

February is the month when many manufacturers introduce their furniture for the upcoming year. That means retailers will be looking to clear their stores of last year’s items in January.

Shopping at the supermarket

Pork and beef

It may at first seem odd to find reduced prices for pork and beef, but considering the winter holiday celebrations have officially concluded, it’s no surprise that many supermarkets will now offer low prices on these products!

We hope this list of discounted January items jumpstarts the savings side of your brain, and gets you thinking about all the ways you can stretch your hard-earned dollars in the weeks ahead. And always remember that J.G. Wentworth, the nationwide leader in purchasing future structured settlement and annuity payments for cash, is available anytime to discuss the specifics of your financial situation. Call us today at 877-227-4713.

14 signs that you’re probably using your credit cards a bit too much

1. You’re completely horrified every time you look at your monthly statements.

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2. Or you’ve decided to just dispose of them in creative ways.

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3. You’re constantly asking people to loan you money so you can pay your bills.

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4. If you actually do you take a short break from spending, you receive a call from your credit card issuers, because for you, it’s “suspicious activity.”

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5. You don’t even remember what credit cards you have anymore.

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6. You have so many credit cards that you can’t keep track of, you’ve literally applied for one of the exact same ones you already have.

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7. When friends/family/your spouse/basically anyone you’ve ever interacted with/bring up your spending problems, you become slightly….defensive.

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8. You checked your credit score and didn’t know it was even possible for it to get that low.

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9. You depend on your credit cards for every. little. purchase.

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10. You find yourself scraping together every penny just to make those minimum payments.

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11. Your wallet is full—with credit cards. Cash, not so much.

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12. You are constantly buying things nobody would ever want or need.

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13. Like, you know they’re a bad idea, but you buy them anyway because why not? You’re just charging them.

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14. And 50 years later, you’re still paying them off.

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Creative ways to cut down on your grocery shopping costs: Bet you haven’t heard of the third one before!

Food is just one of those expenses that we can’t avoid, and the cost of your grocery bill can quickly add up, especially if you have a large family. But why pay full price all the time for your favorite products when you don’t have to? The following are some creative ways you can save significantly on that next grocery shopping trip:

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Order certain things online

Shopping online isn’t just a great way to save money on some of your favorite products, but it can also help you save on non-perishables. Discount sites like Amazon frequently sell a lot of the same pantry items you’d find at your local grocery store, but often for less—and you may be able to score free shipping, too. Not only is this a terrific way to save money, but it’s also extremely convenient, especially if you’re stocking up and making heavy bulk purchases. Just be sure to always compare prices first (the unit price, specifically), so that you know you are, in fact, getting the better deal.

Woman Grocery Shopping

Strategic couponing

Although saving money on groceries by couponing is not a new concept, those unfamiliar with couponing are often surprised to learn just how much they can really save. Some grocery stores will double manufacturer coupons up to a certain amount, often allow stacking (pairing manufacturer coupons with store coupons), and will frequently accept coupons for sale items. When all of these things line up perfectly, it can mean big savings. With a little practice, it’s not unrealistic to stock up on some of your favorite products for next to nothing. In fact, some stores also have certain overage policies set in place that could end up giving you cash back if you have a negative balance on your grocery bill.

Store Clerk Holding Sign

Rain checks

You head to your local grocery store to stock up on a sale item, only to find that they’re sold out and won’t be getting another shipment in until the sale has already ended. This can be frustrating, but it also doesn’t mean you missed out on the sale, either. Many supermarkets will offer rain checks, so if you ever find yourself in this situation, be sure to ask if it’s possible to receive one. With a rain check, you’ll be able to take advantage of that terrific sale price once they have more of the product in stock again, regardless of whether the sale has ended.

Mother and Son Cooking Together

Plan your weekly meals based on sales

Many people plan their meals for the week in advance and before they head to the grocery store. This can be a good way to save money and time, so if you aren’t already planning your meals in advance, you may want to start. But the way you plan your meals can help you save even more. Rather than plan your meals first and then begin looking for what’s on sale (and often just settling for full-priced items), check your local grocer’s weekly circular and find out what the best deals are for the week. Plan your meals for the week based on some of the store’s sale items and you’ll save a bundle. You can even plan out a little more in advance by preparing certain meals and then freezing them.

How do you save money when you go grocery shopping? We’d love to hear your own tips! 

Nothing above is meant to provide financial, tax, or legal advice. You should meet with appropriate professionals for such services.