T:8.5 In 101 MONEY-SAVING
T:8.5 in101 MONEY-SAVINGTIPS Groceries ClothesT:11 inKeep more moneyin your wallet withpractical tips forsaving money in everypart of your life Health Beauty Home And More!From the editors ofTIME CONSUMER MARKETING INC.FILE NAME: 10MAYOAB MC.inddDESC: AY 2010 Blogger Test - DownloadablePremiumJOB TYPE: New CreativeCOPYWRITER: Diane Bossotti 5096AD/TEL: Aashish Gohil 5013MARKETING/TEL: Hua, Christine x5364OPERATIONS: Erika Ellis 6653FINISHING/TEL: Aashish GohilCOMPONENT TYPE: Online PremiumFOLDED SIZE: NAPAPER STOCK: NAPICKUP#: COLORS FRONT/BACK: 4/0CURRENT DATE: 6/28/10 - 3:52 PMCREATED: 6/7/10 - 3:13 PMPRINT SCALE: 100%Send Proof To NY: YesPAGE# 1NOTES:CMYK
T:8.5 inSave money on groceries1Swap out pricey ingredients.5Keep your grocery bill down with smart substitutions.Plan meals in advance.RealityCheckedRealityCheckedIf you figure out what you’re going to make aheadof time, it not only reduces the ‘what’s for dinner?’stress but also allows you to build your meals around what youhave on hand and what is on sale that week. I plan my menuevery week and absolutely love it!— Janelle Nokes, 38, Kansas City, Mo.6Stock up on cereal.7Save on meat.8Avoid aisle browsing.Most cereal manufacturers offer coupons and run promotionsin September and October to coincide with back-to-schoolseason. Unopened cereal lasts for months in your pantry (checkthe expiration date on the box).Hit the store the morning after a holiday to get big savings.(For example, turkeys will be on sale the day after Thanksgiving.)Make friends with the butcher at your grocery store and askhim what days he typically puts out the “quick sale” items (thediscounted meats that are nearing their expiration date).RealityCheckedI leave my cart at the end of the aisle so I can’t justtoss stuff in. That way I’m not strolling along slowlywith my cart. And if I’m grabbing only the one or two things I needin an aisle, I stay focused and get out more quickly.RealityChecked— Kristina Tourtillott, 37, Nevada, Mo.23Think outside the box.Search high and low.11Find supermarket deals after dark.12Make a price book.Shop at the grocery store in the evening after dinner(around 8 p.m.) if you can. You’ll often find markdownson pre-sliced lunch meat, rotisseriechickens and deli salads. Plus thecrowds are usually thinner, whichmakes for a much more relaxingshopping experience.I keep a notebookin my purse withprices of commonitems at variousstores. If I see a great sale ondisplay, I take a quick look at mynotebook to see if the sale isreally worth it. Sometimes it is!— Amy Stokes, 30, Round Beach Lake, Ill.— Lisa Lueken, 43, Dunlap, Ill.Create a snack basket.Buying bottled water, mints and snacks on the run can clear outyour bank account. Instead, purchase such items in bulk andstore them in your car or in a basket on your counter top. Familymembers can grab what they need on their way out the door.You’ll save approximately 30 per month (for an average family).TIME CONSUMER MARKETING INC.FILE NAME: 10MAYOAB MC.inddDESC: AY 2010 Blogger Test - DownloadablePremiumJOB TYPE: New CreativeCOPYWRITER: Diane Bossotti 5096AD/TEL: Aashish Gohil 5013MARKETING/TEL: Hua, Christine x5364OPERATIONS: Erika Ellis 6653FINISHING/TEL: Aashish GohilAlthough you can find specials at eye level and at the ends ofaisles, reduced items don’t always garner prime shelf placement;the highest-paying manufacturer might get those spots. Look forsales at the top and bottom as well.Reality RealityReality RealityChecked CheckedChecked CheckedI shop the ‘BOGO’ sales at the grocery store. I’ll bringa friend with me and purchase only the buy-one,get-one items. Then at the end of the shopping trip, we splitthe bill down the middle. This prevents me from purchasing excessfood and saves me even more money in the long run.4Some companies offer specials that allow you to, for example,buy any 10 selected items (such as soup, pasta or tuna) in oneshopping trip and save 5 at the register. Cut costs even more bycombining these deals with manufacturer coupons.10Ask for a rain check.If you arrive at a store armed with coupons but find that theitem you want is out of stock, request a rain check from amanager or an employee at the customer service desk. Thedocument allows you to purchase the product at the sale pricewhen it’s back in stock.Keep an eye out for group deals.COMPONENT TYPE: Online PremiumFOLDED SIZE: NAPAPER STOCK: NAPICKUP#: COLORS FRONT/BACK: 4/0CURRENT DATE: 6/28/10 - 3:52 PMCREATED: 6/7/10 - 3:13 PMPRINT SCALE: 100%Send Proof To NY: YesPAGE# 213NOTES:Go straight to the source.If there’s an item you buy frequently, visit themanufacturer’s Web site to look for coupons. To getcoupons from some sites, you have to give your e-mailaddress and sign up for the company’s e-newsletter.1CMYKT:11 in9
T:8.5 inSave money on groceries141516171921Prevent freezer burn.22Do your own prep.23Dry your own herbs.24Buy seasonal produce.25Add seasonings.Is it wasteful to purchase three boxes of cereal when you needonly one for a week? No, not if cereal is on sale. Over the longrun it makes sense to stockpile enough groceries to last yourfamily 10 to 12 weeks. Stockpiling allows you to take advantageof great sales and buy what you need before you need it, withor without using a coupon. Pay special attention to the expensive items on your list and grab the opportunity to get them atrock-bottom prices when your store puts them on special.26Phase out frozen meals.Make your own mixes27Pinch pennies on fish.28Make meat go further.You can get the best deals oncoupon Web sites such as smartsource.comand coupons.com at the beginningof the month, when advertisersrelease them. If you find anamazing offer, print out twocoupons, which is usually the limit.Pass up “big” bargains.Sometimes buying in smaller packages can actually save youmore. For example, let’s say you have a 1.50 coupon for laundrydetergent. If you buy the 200-oz. bottle for 7.49, you pay 5.99,or 3 cents per ounce. If you buy the 100-oz. bottle for 3.99, youpay 2.49, or 2.5 cents per ounce. The smaller bottle is a bettervalue. Collect two coupons and buy twosmall bottles, and you save even more.Pack lunch and save.The average lunch out costs 6.60. If youbrown-bag it just twice a week, you couldsave more than 50 per month.Don’t let one good deal drive you.If you decide to make lasagna because ground beef is 30percent off this week, you could end up buying full-pricetomato sauce and noodles. Instead, buy the beef andfreeze it. Continue to collect ingredients as they go onsale, then pull together meals from your pantry.Buy more than you need right now.RealityCheckedI save money on groceries by making myown mixes and staples, like croutons,bread, sweetened condensed milk — and even a cocoamix that I learned about from ALL YOU!”RealityChecked— Theo-Ann Johnson, 34, Fort Collins, Colo.20Go semi-vegetarian.Meat is a big-ticket item, so cutting back can lower your costs.Try vegetarian swaps such as canned white beans (rinsed anddrained) in pasta sauce instead of ground beef, or black beansin place of part of the chicken in a stir-fry. Aim for at least onemeat-free meal a day. When you do eat meat, try to decreaseyour portions by at least 25 percent.Press plastic wrap onto the surface of your ice cream beforeputting the lid back on. This protects against frost.You pay for convenience with pre-cut fruits andveggies such as bagged lettuce, pre-sliced applesand shredded carrots. Buy produce uncut, andwhen you get home from the store, spend 15 to 20minutes chopping it. Fill Baggies and containerswith the prepped fruits and veggies so they’reeasy to grab.Fresh herbs spoil quickly, and you might not need the entirebunch. To preserve leftovers, wash them and spread them ona paper towel. Place another towel on top. Cook on high inthe microwave for about 35 seconds, let cool and store in anairtight container.Fruits and vegetables don’t carry as high a price tag whenthey are at the peak of their growing season. In addition tobeing a good value, seasonal produce also tastes best becauseit’s picked in its prime. To find a list of seasonal produce, visitfruitsandveggiesmorematters.org, which is run by the Producefor Better Health Foundation.Preseasoned dishes such as ramen noodles and Rice-A-Roni costmore, and are higher in sodium, than homemade. Buy plain riceand noodles, and flavor to taste with your own herbs and spices.For example, mix garlic, Parmesan and olive oil into plain brownrice. You will save about 60 cents a serving.If you regularly purchase frozen dinners, you’re paying apremium for what amounts to a small amount of food. You’llsave more by freezing individual portions of entrées made fromscratch, such as casseroles and lasagnas.Buy smoked-salmon trim (the odds and ends left over fromslicing) instead of regular smoked salmon. It’s just as goodand is often less than half the price.Use only a half-pound of meat in recipes instead of a pound. Mixin beans, oatmeal or rice to round out burgers or meatloaf. Notonly is this cost-effective, but it also adds nutrients and fiber toyour meal, and no one will know the difference.2TIME CONSUMER MARKETING INC.FILE NAME: 10MAYOAB MC.inddDESC: AY 2010 Blogger Test - DownloadablePremiumJOB TYPE: New CreativeCOPYWRITER: Diane Bossotti 5096AD/TEL: Aashish Gohil 5013MARKETING/TEL: Hua, Christine x5364OPERATIONS: Erika Ellis 6653FINISHING/TEL: Aashish GohilCOMPONENT TYPE: Online PremiumFOLDED SIZE: NAPAPER STOCK: NAPICKUP#: COLORS FRONT/BACK: 4/0CURRENT DATE: 6/28/10 - 3:52 PMCREATED: 6/7/10 - 3:13 PMPRINT SCALE: 100%Send Proof To NY: YesPAGE# 3NOTES:CMYKT:11 in18Follow a coupon schedule.
T:8.5 inSave money on clothes29Shop for jeans.Find a pair of jeans that flatters your figure, and you’ll wearthem for years. (What a bargain!) The key is to buy a pair that fitsyour largest area. The rest can be tailored. Don’t forget to bendover in the dressing room to make sure you’re covered!30Stop clothes from fading.31Fake a pricey look.38 Flip out.Turning your clothes inside out and washing them incold water is the best way to keep color from fading.This maneuver is especially important with jeans, whichare often dyed only on the surface. Loosen up.Don’t crowd your clothes when hanging them in yourcloset. Otherwise, they’re more prone to wrinkle, whichmeans you’ll have to iron them — and that increases therisk of damage. Also, wire hangers can harm the shouldersof your shirts, so it pays to invest in better-quality plastic,wood or padded hangers.Don’t store garments in plastic dry cleaning bags. The fumestrapped inside can fade colors and turn whites yellow. Go for faux-patent shoes.No one will know they’renot the real deal. Don’t put off patching.If a garment has a small tear, mend it as soon as youcan. The longer you wait, the bigger the tear is likelyto become and the harder it will be to repair. Think black. Hideclothing-design flaws(and appear slimmer). Unbutton.Don’t put clothes in the wash when they’re buttoned up.All the tugging in the machine weakens the threadsattached to the buttons and makes it more likely forthem to come loose or pop off. Inspect patterned designs.Make sure they line up at theseams, or choose a solid color. Bag it. Carry a well-made canvas tote if you can’t afford aleather handbag.32Make clothes last longer.Accessorize for less.RealityCheckedT:11 inTo save money on clothes, I add accessories. If acardigan is cute except for the outdated buttons, Ibuy new buttons. If a shirt looks boring, I put on an inexpensivescarf or a cute lapel pin. By rethinking what you already own,you can easily have a whole new wardrobe. Wipe off spills.If you treat a stain immediately, you have a better chanceReality of getting it out. When you take a stained garment to aChecked dry cleaner, pin a note by the mark listing the cause. Thatgives the cleaner a good shot at treating the stain. Opt for folding.Sweaters are better off folded on a shelf than hung onhangers, which can easily damage delicate knits.— Erica Doyle, 29, Ireton, Iowa33Freshen up clothes without dry-cleaning.34Prevent color fade.3539Score a deal.40Rid clothes of sweat stains.Slip scented bars of soap (try lavender or peppermint) intodrawstring cheesecloth bags from the supermarket. Tuck a fewaround your sweaters or simply toss them over a hanger to adda nice fragrance to your closet. When the aroma starts to fade,remove the soap from the bag and use the bar in the bathroom.Before you dive into the pool, soak your swimsuit in water so it Realitywill absorb less chlorine, helping it retain color longer.CheckedSkip pricey cleaners.Wash with care.37Be generous for less.RealityCheckedDab the stain with white vinegar, let it sit for 30minutes, then toss in the washer with ½ cup borax and¼ cup OxiClean Versatile Stain Remover. This combohas tackled almost every single stain I have run across!— Christal Eddy, 46, Walworth, N.Y.Polish jewelry with a paste made of water and baking soda. It’ssafe on both silver and gold.36See if extrabux.com and ebates.com list the merchant you’reabout to buy those cute shoes from. If they do, make yourpurchase through those sites and receive cash back. Inaddition, shoplocal.com lets you evaluate prices at manybrick-and-mortar stores in your area.41To hand-wash knits, use cool water and a detergent formulatedfor delicates. Squeeze — never wring — then shape the pieceon top of a dry towel. Roll the garment in the towel, squeezingas you go, to extract some of the moisture. Remove the sweaterfrom the towel and reshape it on a rack or a fresh towel to dry.Measure the article before washing to help you reshape it.Get more mileage from your footwear.Like a bad hair day or a wrinkled blouse, beat-up shoes can bringdown your look. Take a moment every few weeks to polish scuffsand scratches away. For a nick in the leather or on the heel thatpolish can’t fix, dab the spot with a matching permanent marker.Your shoes will look as good as new.Buy discounted secondhand gift cards at plasticjungle.com.Cards from hundreds of retailers are available at up to30 percent off, and shipping is free.TIME CONSUMER MARKETING INC.FILE NAME: 10MAYOAB MC.inddDESC: AY 2010 Blogger Test - DownloadablePremiumJOB TYPE: New CreativeCOPYWRITER: Diane Bossotti 5096AD/TEL: Aashish Gohil 5013MARKETING/TEL: Hua, Christine x5364OPERATIONS: Erika Ellis 6653FINISHING/TEL: Aashish GohilCOMPONENT TYPE: Online PremiumFOLDED SIZE: NAPAPER STOCK: NAPICKUP#: COLORS FRONT/BACK: 4/0CURRENT DATE: 6/28/10 - 3:52 PMCREATED: 6/7/10 - 3:13 PMPRINT SCALE: 100%Send Proof To NY: YesPAGE# 43NOTES:CMYK
T:8.5 inSave money on your health424344Snack smart.Keep in mind that potato chipsand cookies can be costly andoffer little nutrition. Try peanutsinstead — one ounce offersnutrients that you won’t get incrackers. Another good bet:air-popped popcorn, which ishigh in fiber and on averagecosts less than 2 for one cupof unpopped kernels.46Try a new exercise.47Get discounts on prescriptions.48Split pills and save.49Buy prescriptions in bulk.50Look for drug coupons.51Use baking soda as aninexpensive remedy.Count on calcium.Milk is the most cost-effective source of calcium — and it’scheaper per ounce than yogurt or cheese — so include more ofit in your family’s diet. Calcium is central to bone health. Be surekids get four servings daily and adults get three.De-stress for free.Do these exercises 10 times to unwind:1. Stand with your heels and hips and the back of yourhead touching the wall. Bring your shoulders back sothey touch the wall; release.2. Move your head from side to side.45Start a no-cost weight-loss group.Dieters who joined a grouplost three times as manypounds on average as thosewho went solo, reports astudy published in theJournal of the AmericanMedical Association. Find like-minded dieters.Round up 10 to 15 friendsor family members withsimilar ambitions, such asmoms trying to lose babyweight. Sharing the sameobjective can help you all succeed. Having a group this sizewill also make it easier to coordinate schedules. Have an agenda. Encourage members to share strategiesthat work for them. Then discuss struggles, and brainstormsolutions. Conclude by setting goals for the next meeting,such as striving to lose a specific number of pounds. Keep one another in check. Decide as a group if you wantto do weekly weigh-ins. The simple act of knowing you’ll beweighing yourself can be an incentive for many people. Ifchecking your number in public makes you uncomfortable,go into the bathroom.52 Get competitive. Ask members to donate a few dollars toa rewards fund. Use the money to provide small prizes likea gift certificate to a health-food store or a new exerciseDVD. At every session, treat one member who has beenparticularly successful.A few health-care organizations (not to be confused withyour insurance plan) have negotiated discounts that areavailable to anyone. Download the card from the Internet,take it to a participating pharmacy, and get a price break onboth brand-name and generic drugs. For example, YourRxCard(866-561-1926; yourrxcard.com) cuts the price of a vial of insulinby 9. Another card to try is FamilyWize (800-222-2818;familywize.org). Discounts vary, so check to see what you’llsave on your specific medication.As long as your pills aren’t capsules and your medication isn’ttime-released, ask your doctor if it’s possible to double yourdose and then split each pill in half. The cost per dose is likelymuch lower that way. When ALL YOU priced Lexapro, anantidepressant, the 5mg pills were about 3 each, and the 10mgpills were only 16 cents more. Be sure to use a pill splitter —a device available for a few dollars at drug stores — to hold thepills in place and help you cut each one accurately.For medications you take regularly, ask your doctor toprescribe 90 days’ worth. The price per dose is generally cheaperfor larger quantities. And if you have insurance, you pay onecopay instead of three.Check optimizerx.com, a site on which drug companies postlinks to coupons and free offers. Also check the Web site ofthe company that makes your medication. (To find themanufacturer, look on your prescription label next to thedrug name and the dosage.) If you’re willing to switchpharmacies, some stores offer cash rewards to new customers.PROBLEMSOLUTIONSore throatGargle with bakingsoda and warm waterHeartburnCreate an antacid bymixing ½ tsp. baking sodawith ½ cup water.Bug bites, sunburnand poison ivyMix baking soda with a little water andapply it directly to the sore.Banish allergens naturally.Expensive home deodorizing products (including plug-in ones)emit particles that can irritate your nose and eyes. Instead,simmer a mixture of water, orange slices and cloves on thestove. It’s a natural and more allergy-friendly way to makerooms smell fresh.4TIME CONSUMER MARKETING INC.FILE NAME: 10MAYOAB MC.inddDESC: AY 2010 Blogger Test - DownloadablePremiumJOB TYPE: New CreativeCOPYWRITER: Diane Bossotti 5096AD/TEL: Aashish Gohil 5013MARKETING/TEL: Hua, Christine x5364OPERATIONS: Erika Ellis 6653FINISHING/TEL: Aashish GohilCOMPONENT TYPE: Online PremiumFOLDED SIZE: NAPAPER STOCK: NAPICKUP#: COLORS FRONT/BACK: 4/0CURRENT DATE: 6/28/10 - 3:52 PMCREATED: 6/7/10 - 3:13 PMPRINT SCALE: 100%Send Proof To NY: YesPAGE# 5NOTES:CMYKT:11 in3. Cup your hands behind your neck. Gently press your neckback into your hands until you feel some resistance.Hold for 2 to 3 seconds.Many yoga and dance studios offer free introductory classes. Youcan shake up your exercise routine without spending a dime!
T:8.5 inSave money on beauty53Try a budget beauty superstar:petroleum jelly!575455— Laura Lamon, 51, Monroe, Mich.58Get pretty lashes.59Skip the spa.Revitalize tired tresses.To liven up your locks, add a tablespoon of cider vinegar to abottle of shampoo. It brings out the shine and helps removeproduct buildup.Pamper your feet.RealityCheckedBefore you toss that old tube of mascara, save the wand.Wash it off and use it to s
detergent. If you buy the 200-oz. bottle for 7.49, you pay 5.99, or 3 cents per ounce. If you buy the 100-oz. bottle for 3.99, you pay 2.49, or 2.5 cents per ounce. The smaller bottle is a better value. Collect two coupons and buy two small bottles, and you save even more. 15 Buy more than you need right now.
Verkehrszeichen in Deutschland 05 101 Gefahrstelle 101-10* Flugbetrieb 101-11* Fußgängerüberweg 101-12* Viehtrieb, Tiere 101-15* Steinschlag 101-51* Schnee- oder Eisglätte 101-52* Splitt, Schotter 101-53* Ufer 101-54* Unzureichendes Lichtraumprofil 101-55* Bewegliche Brücke 102 Kreuzung oder Einmündung mit Vorfahrt von rechts 103 Kurve (rechts) 105 Doppelkurve (zunächst rechts)
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