EASY Amazing Way to Build Your Credit & Earn Rewards!

This little piggle went cha ching, cha ching, cha ching all the way home...

Set up autopay to pay bills with your credit card. Then pay off your credit card every month using the budget you already have for that bill. If your bill is a fixed amount all year you can set up your bank account to pay off your credit card each month. You can also set up on your credit card website to have your balance paid off each month as well. I prefer to pay it off right away each day to avoid any possible interest or fees.

Earn points and rewards for things you would already be paying for anyways. Essentially this cycles your money and bill pay through two systems (but don't worry, you are only paying it once).

Recap:
1. Set up autopay from your credit card to pay your bill.
2. Set up autopay from your bank to pay off your credit card.
3. Easily earn points, rebates, miles etc. & build your credit score.

Check this out if you want to learn about ways to save money without spending anything!

Do you have any tips for earning bonus rewards from credit card companies, without paying interest or fees?

How to Get MORE Coupons: Part 1

 I once purchased 32 FREE bottles of baby formula over a month to give away just because I was able to gather a LOT of extra coupons that gave me overage.

 The way to save the most money with coupons is to stock up and buy things when you can stack a sale with a coupon to get the lowest possible price.

Kitty doesn't want to trade. ;)

When I started couponing a year and a half ago, I found all sorts of ways to gather extra coupons. In fact, my friend and I even went around to the apartment complexes in the area (where coupons arrived in the mail, not the newspaper) and gathered hundreds of discarded coupon booklets. I shared my secrets and favorite coupon blogs and she shared some delicious meals. We had so much fun clipping and discussing our savings and comparing our stockpiles.

 One simple way to get more coupons is to start a coupon swap.

How To Coupon Swap:

To Coupon Swap you will need to access couponing websites or find some couponing friends.
Facebook fan pages like the ones for The Krazy Coupon Lady will allow you to "meet" people with whom you can trade coupons online.

1.  Post a comment on your Facebook page and let your friends know what coupons you have and what coupons you are looking for. It works a little like bartering.
2. Remember, coupons are similar to cash tender in the store. Offering a fair trade, dollar for dollar, not coupon for coupon will get you the best results and build your network of coupon swappers.
3. When you decide a fair trade, you can pass them off to each other or mail them to one another.
4. Decide if you will pre-clip them for each other or hand off the scrap pages.
5. Once you decide on a trade, make sure to send the coupons right away so that they have the chance to use them with any current sales that may be going on. Trust that they will send yours ASAP too.
6. Be cautious. Don't give too much personal information to strangers. If you coupon swap extensively and have access to a secondary address, be sure to use it. I prefer to coupon swap only with people within my real-life network. If you choose to coupon swap with strangers, just be aware. If they are local to you, you may consider meeting to swap coupons at the grocery store, so you don't have to waste money on stamps or give out your address.

Want another way to get more coupons? Check out tomorrow's post, How to Get MORE Coupons: Part 2.

Like the "Train" idea? Try it out with other things like children's clothes and toys, garden supplies, etc. A few weeks ago I mentioned starting a seed trade or seed train to save free seeds for your garden for next year.
Do you ever trade coupons? Do you have any other ways you get MORE coupons?

What Size To Buy: Price Per Unit

Most people think that buying food in bulk will save them money. When I talk with friends and store associates about finding the lowest cost items, they are often surprised to hear that sometimes the bulk buys are actually not the best deal.So here’s a quick run down of how I calculate which size to buy so I can get the biggest bang for my buck.

Warning: This will involve using your brain and flexing your math muscles. Come on! You can do it!

Tip of the day: Compare prices per unit.

Don’t compare price per item because some packaging makes it difficult to tell how much product you are getting. If you factor in the size of the product, the material it is made from (glass, plastic, paper, etc), you’ll start to realize that some items take up the same shelf space but they don’t have the same amount of product.
So when you go to the store, pull out your calculator and do a little math.

Price / # of units = price per unit

If you have a coupon for a specific item, you will want to factor that into the equation:

(Price – coupon value) / # of units = price per unit if you have a coupon.

Sometimes items without coupons are cheaper and the coupons might not actually save you money. Keep this in mind!

Real life application:

Say for instance,  you have a coupon for $1 off of any Dr. Pepper 12 pack and the sale price at the store is 3 packs of any soda for $10.  This is the equation you will do:
$10/ 3 packs = $3.33 per 12 pack
or
$10/ 3 packs/ 12 cans = about 28 cents a can!

With a coupon your equation will look like this:

($10- $1 coupon) / 3 packs/12 cans =
$9 /3 packs = $3 per 12 pack
or
$9/ 3 packs/12 cans = exactly 25 cents a can!

Some of you might say, well 3 cents a can is not really that great of savings. However if you have one can of soda every day for a year and can save 3 cents per can, you’ve saved about $11 on soda alone. Now imagine you follow this same tip for all groceries and personal care products that you buy. Every penny adds up! Once you get this process down, it will come naturally.

No Calculator? Look at shelf tags:

If you forget your calculator or you are in a hurry, or have no coupons, look at the price tag on the shelf. Usually it will be listed as a price per unit. Watch out for similar products that are measured by different units. This can make one product appear to be cheaper than the other one.

This is a great tip, even for those of you who don’t clip coupons. If you follow this tip alone, you could potentially save hundreds of dollars per year.

I hope this helps break down one of my basics for how to find a great deal at the grocery store! This time, I hope you’ll grab whichever one is truly the best deal!

How To Talk Your Way Out of A Late Fee

Eeek! I committed one of my very own Budget Breakers! (Insert embarrassed "oops" face here). With the stress of being sick, and moving to a new department at work (I get to work on itty bitty baby clothes! Yay!), I completely forgot about my electric bill until I did my budget yesterday and realized it hadn't posted yet. I thought, "Oh no! I got a dreaded late fee!"

 Can you hear the scary music and my thriller scream?

Fear not, I found a way to use my skills of persuasion to get the late fee removed and stop me from committing a Budget Breaker. I worked in a call center while I was at college, asking friends and family of Purdue to donate money to help improve the school. I learned a thing or two about "selling" and communicating ideas to encourage the other person to help you. I also learned what call center people hate to hear.

So without further ado...

How To Talk Your Way Out of A Late Fee

Here's what I did and here's how you can do it too:

Step 1: Schedule autopay.
After I saw the problem, the first thing I did was schedule autopay directly from my bank account on the service providers website. If you schedule autopay you will never have to pay another late fee (unless for some reason your bank account balance is negative). Nip that problem in the bud before it happens and you wont have to waste your time with steps 2 through 7 ever again.

Plus this gives you something to talk about in step 5.

If it is an option, you can also set up the autopay on the phone when you talk with the service provider.

Step 2: Call the service provider.
When you finally get through the automated system and find a button to press to get a live person, very carefully follow the next few steps.

Step 3: Be nice.
I know you are probably angry at this point from all the automated systems and the waiting. But remember there is another person on the other end of the line and they are just doing their job to put food on the table for their family. They have reasons of their own to be nicer to people who are nice to them. You'll understand this more when you get to step 7.

Tips from being a telemarketer:
 - Remember to smile while you talk. This sounds crazy and feels crazier but trust me. It makes you sound friendlier, which makes people more likely to like you and help you out.
 - No matter how upset you are about the late fee, remember that it was probably your fault.
 - Even if it wasn't your fault, it certainly wasn't the fault of the little guy on the other line answering phones who probably gets paid somewhere in the range of minimum wage for a job that is hard work. Being nice can be the difference between them rushing to get you off the phone, or taking the time to look into things and answer your questions to ultimately meet your goal of fee removal.

Step 4:  "Say my name, say my name..."
Beyonce knew what she was talking about when Destiny's Child wrote that song. It's a scientific fact that...

people like to hear their own names. 

So make sure to ask the company representative their name right away. Write it down. Throughout the conversation, whenever it is natural to say his or her name, make sure to do it- but only for positive things. If possible, do this a few times, especially to show gratitude when they help you with something.

"Great, that makes so much more sense after you explained it to me. Thank you,  (insert name you wrote down)!"
 
Step 5: Ask questions to build rapport.
Since you just set up your autopay, now you can ask questions about how it works. For instance:
 - "What day does the auto draft occur?"
 - "Can I set up the autodraft to be on a certain day?"
 - "If the autodraft is due on the 15th, does the payment post on the 15th or does it post before or after that date?"

Questions like this show engagement and will assure the representative that you are sincerely sorry for your blunder and want to make sure you get it right from now on.

**It is important not to skip step 5. Building rapport with the representative will softens them up for the big important question.**

Step 6: Save the late fee for the last question, unless they bring it up earlier.
After you've had all your other questions answered and have been really nice and thankful throughout the conversation, they will try to close with a final question. "Is there anything else I can help you with today?"

That's when you say, "Yes, (insert name you wrote down) I was wondering, could you waive the late fee for me just this once?" Or throw in casually "now that I think of it, (insert name you wrote down) would you by any chance be able to remove this late fee just this once? Now that I have autopay, I know it won't happen again."

Unless you are a repeat offender (tsk, tsk!), they will likely say, "Sure. I can remove this late fee as a one time courtesy for you."

Poof! 

Late Fee Vanished!

Budget Breaker Averted! 

Step 7: Close nicely and thankfully.

Phone representatives get scored on random phone calls. Help them get a better score for helping you out! After you write down the confirmation number, don't forget to say, 

"Thank you so much, (insert name you wrote down). You've been such a great help. I really appreciate it. That will be all and have a great day!"

Yes, it really works!

Click here to see a real Budget Breaker: Food Waste.

Have you ever gotten a late fee? What did you do?