Archive for the 'Links' Category

One of my fellow personal finance bloggers, LuLuGal over at How I Save Money, is having a drawing for a gas card for bloggers who, among other requirements, blog about how escalating gasoline prices have effected them. Below is my story:

Yes, like lots of other things with rising prices, there’s no question I’ve had to make changes in my life due to the price of gas. Those of you who have been following my quest to use 5% less gasoline have seen how difficult it is to actually do, at least for me. For others who may be speeding, not keeping their tires inflated, or driving in substantial traffic, they may have more opportunities to cut into their gas usage, but since I was already driving pretty conservatively with regularly inflated tires and without much traffic, it was much more difficult for me to make much headroom there (although I did experiment with different routes).

In the end, what using less gas came down to was driving less, and given that I live in a location that’s a mile from the bus line (which for me is impractical for work given my two jobs), it’s really come down to making changes in my weekend and holiday activities. I clearly have to choose what social or family events I can go to in order to make much headway on gasoline consumption. I’m doing more than that, but I think the effect of those efforts are minimal: planning ahead to group together what would be separate trips to eliminate unnecessary driving–I will commonly park in a central place and walk to the various points I need to reach from there (for instance, I will park at a shopping center near me and go to the Long’s and First Hawaiian Bank in that shopping center, go across the street to the larger mall for their 99 cent store, and cross another street to reach the post office where I would previously have driven across at least one of those streets previously). I’m also keeping very close track of my mileage, the same way I have with my spending for years–writing down where I go on what day and how many miles I’ve traveled. Finally, I’m researching which gas stations seem to have lower prices without going out of my way and trying to maximize my use of my 5% reward on gasoline purchase credit cards to try to get any discount possible. In fact, that maximizing is going on in a way today; I typically fill up on Sunday, even though the tank’s close to 1/2 full; this week I’m waiting until Tuesday. Why? My credit card statement closes on Wednesday, and the gas station I go to regularly typically takes two days to process my charge and have it end up on my statement, so I’ll be able to avoid coming up with the cash to pay for that gas for another month!

So while I’ve at best been able to make a rather minor dent in my gasoline use and bill with these steps, I’ve managed to make some progress–but more clearly, the gasoline price hikes have definitely had an effect on me and my behavior.

We once again welcome readers of the Festival of Frugality, brought to you this week by Budgets Are Sexy! Please have a nice visit!

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Carnivals Squared

Aloha and welcome readers of our usual Monday Carnival of Personal Finance, this week brought to you by Greener Pastures, and to a new carnival for us, the Carnival of Aloha brought to you by Homespun Honolulu. Welcome!

This is our recurring guest post from my good buddy Kyle over at Rather-Be-Shopping.com. Kyle has done an amazing job with his regular posts to help our readers spend less. If you’re interested in shopping and frugality at all, check out his great blog!

How has the price of gas changed your shopping habits? Everyday I get at least one e-mail from a shopper looking for a free shipping coupon they can apply to their online order. It doesn’t matter what they are shopping for, could be a big appliance or a tiny of piece of jewelry for their wife, they are looking to get it delivered to their home for free. It’s almost as if they feel they are sticking it to the big oil companies by getting free shipping on their purchases. I’m much obliged to help them out!

Who can blame them? Gas hit $4.50 a gallon here in northern California this week, and it does not look like it will be coming down any time soon. I know that my wife and I now make sure to combine trips as much as possible and my big truck has not left our garage in over a week! Also, these days I always look to buy online first. Just yesterday, I was able to buy diapers for our baby at Diapers.com, use a $10 off coupon, and get free shipping because I spent over $49. Subtract the savings in gas by not having to drive to the store to buy diapers and it definitely sweetens the deal and makes it a no-brainier!

So please leave a comment on how the price of gas has changed your shopping habits? Do you shop online more? Do you take the bus or ride your bike to the grocery store? Have you cut back on frivolous purchases? I look forward to your comments.

As for the coupon codes this week, it just makes sense that I give you some of the more popular free shipping coupons on my site right now.

Baby Center.com
Free Shipping on your $49 or more Order at Baby Center.com
Coupon Code: FREESHIP49
Expiration: 7/13/08
All Baby Center Coupons

Diapers.com
Free Shipping + $10 Off your $49 or more Online Order (New customers)
Coupon Code: AFFL10
Expiration: 6/30/08
All Diapers.com Coupons

American Eagle Outfitters.com
Free Shipping on your $50 or more Order at AEO.com
Coupon Code: 78997291
Expiration: 7/08/08
All American Eagle Coupons

Home Depot.com
Free Shipping + 10% Off Electronics through this link.
Coupon Code: None Needed
Expiration: 7/03/08
All Home Depot Coupons

ShoeMall.com
Free Shipping + $10 Off your $50 or more Online Order
Coupon Code: TAKE10
Expiration: 6/30/08
All Shoe Mall Coupons

JCPenney.com
Free Shipping on your $75 or more Order at JCP.com
Coupon Code: BBFAM8E
Expiration: 6/30/08
More JCPenney Coupons

Dell Computers.com
Free Shipping + $200 Off your Inspiron Desktop purchase of $799 or more
Coupon Code: Z4JZBGPWKKZQMS
Expiration: 7/19/08
All Dell Coupons

Like many Tuesday mornings we start this one welcoming our visitors from the Festival of Frugality, brought to you this week by Broke Grad Student. Welcome, and if you like what you see, consider subscribing to our RSS feed!

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June 23, 2008 Link Payday

Welcome to your belated Link Payday for June 23, 2008 (since the fabulous Kyle of Rather-Be-Shopping.com returned and wrote his usual Friday post for us–which fell on the 20th–we delayed this payday a few days). Here’s some of the better posts I’ve read in my RSS reader the last couple of weeks.

The always entertaining JD of Get Rich Slowly discusses Why it Pays to Ignore Financial News. This article puts pretty succinctly one of the key tenets of long term investing: daily stock market fluctuations aren’t meaningful to your holdings over the long term–unless you act on them. Pay more attention to the things in your life that give you joy rather than your retirement account.

Can I Get Rich on a Salary asks how to Teach Yourself to Invest In Stocks? by covering MarketWatch’s daily money tips and offers a few suggestions of their own. I wholeheartedly suggest that people learn about investing in stocks, bonds, and funds; if you have the tolerance and taste for stocks, I suggest checking this piece out.

All Financial Matters asks the question that I wish everyone in this country–particularly those in Washington–would ask: What’s the Solution to Our Energy Needs? Gang, ethanol is not the answer (at least not corn based ethanol), but a combination of other types of alternative energy including (yes, I say this as an environmentalist) nuclear is. Let’s all work seriously to do whatever we need to do to get this resolved and get our country off of its dependence on foreign oil.

I’ve Paid For This Twice Already asks How Do You Decide When “The Time Comes”? In this case they are considering if it’s the time to replace their car. This is definitely worth looking at for making financial decisions with regards to some of the things we use every day, like computers.

Finally, Trent over at The Simple Dollar discusses Addiction and Personal Finance. As a professional in human services, I have to say that addiction can be a huge threat to your finances–if not your family, your relationships, your freedom, and your life.

And that’s your Link Payday for June 23, 2008!

Welcome this Monday morning to readers of the Carnival of Personal Finance, where Mrs. Micah hosts this week and our submission was an Editor’s Pick!

As a coincidence, our submission to the Carnival of Debt Reduction mentioned last night was also an Editor’s Pick. Two Editor’s Picks–our first two ever!–in twenty four hours. It’s a great day for Uncommon Cents!

Hello to those of you who are visiting from the Carnival of Debt Reduction! This is a new carnival for Uncommon Cents and we were fortunate enough to be an editor’s pick. This week’s edition is hosted by Squawkfox, who has a great (and very funny at times) personal finance blog. Please consider subscribing to our RSS feed if you like what you see!

After a well-deserved and very brief hiatus, Kyle of Rather-Be-Shopping.com returns, this time with some frugal date ideas as well as more coupons. Kyle has saved my bacon (as well as helped our readers save some dollars!) over and over again with his contributions to this blog and I am eternally in his debt. Kyle’s return is so anticipated we will delay our usual Link Payday until Monday. Mahalo nui loa, Kyle!

My wife and I have been able to get away from the kids a few times the past couple months to have a date night where we can hang out, relax, talk, and catch up on our busy lives. None of them have cost a lot of money but they were all really fun. So I thought I would share them in case you are looking for some date ideas that won’t break the bank.

~ Neighborhood Walk and Picnic - Just get out and take a walk together. Bring a picnic with you and have a destination in mind, like a park where you can ‘break bread’ together. Cheap, quiet, and often quite romantic.

~ Bring The Movie Theater Home - One of the favorite things my wife has done is stop by the movie theater, get a large popcorn, rent a DVD, and we had a movie date night at home. Avoid the expensive movie tickets, plus you will also avoid the sticky floor in the theater and the dirty bathrooms!

~ Free Music Concerts - We have a free music festival in our town called “The Mosquito Serenade”, that has some local bands and singers and always provides great music. Always a fun night out and totally affordable. Check your local paper for similar music festivals in your area.

~ Historic Sites - We have a historic mining town near our home and it was a really fun date to tour the old town with my wife. We got to hang out together and got a better grasp of our local history. Almost every town has something like this which would make for a fun tour.

~ Local College or Junior College - Our local junior college has a fantastic drama program and they have several inexpensive plays throughout the school year. These plays and performances always make for a fun night out. I would recommend that you check the website of colleges in your area for specific details.

Speaking of dates and nights on the town, here are some related online coupons to help you save some money.

Ann Taylor.com
Save 30% Off your Petite Items Order at Ann Taylor.com
Coupon Code: PETITE30
Expiration: 6/22/08
All Ann Taylor Coupons

1-800 Flowers.com
Save 10% Off your Online Order
Coupon Code: RATHERBESHOPPING
Expiration: 6/30/08
All 1-800 Flowers Coupons

Shutterfly.com
Save 20% Off your Photo Prints order
Coupon Code: AF61-URK8
Expiration: 7/09/08
All Shutterfly Coupons

Ice.com Jewelry
Save 20% Off your Online Order + Free Shipping
Coupon Code: None Needed
Expiration: 6/30/08
All Ice.com Coupons

Ross Simons.com
Save 15% Off your $100+ order, 20% Off your $250+ order, or 25% Off your $500+ order w/ Free Shipping
Coupon Code: 3TIERFS
Expiration: 6/22/08
All Ross Simons Coupons

JCPenney.com
Get 20% Off your $75+ order of window coverings, bedding, bath, decorative accessories, rugs, or apparel
Coupon Code: WKIT842
Expiration: 6/22/08
All JCPenney Coupons

Woman Within.com
Save $20 Off your $80 or more Online Order
Coupon Code: WW20530
Expiration: 6/30/08
All Woman Within Coupons

Fashion Bug.com
Save 10% Off your Entire Online Order
Coupon Code: 776224107
Expiration: 8/28/08
More Fashion Bug Coupons

Aloha and welcome to visitors from a new (to Uncommon Cents) carnival, the Money Hacks Carnival, brought to you this week by Mrs. Nespy’s Frugal World. Have a great time!

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