I am a Savvy Savings Shopper. Why do I call myself that? It is because I have had to learn, adopt and develop as many money saving, frugal habits and techniques as possible so that I could survive.
It has taken time, energy, research as well as trial and error to learn what to do and how to do it so I could be considered a savvy savings shopper. Consequently, the things that work have helped me to go from being One Day From Homeless, to a Senior Suburban Survivalist and now to A Savvy Savings Shopper.
Therefore the purpose of this blog post, A Savvy Savings Shopper, is to review some of these techniques, tools and tips I have learned. I wish to share what has worked for me with other people who need and want to survive, too. In addition, recognition goes to others who have accomplished a similar feat and to recognize them with The Savvy Savings Shopper Award.
ASKING FOR HELP
Back in 2008 when the stock market crashed and my husband was laid off from his job, all within one week, I realized we were going to need help. It really sank in when we had to use his pension and lose my savings just to survive. We needed help. As a result, I had to swallow my pride then learn to ask for help.
We researched and applied for whatever social services we could qualify for. We sought help from our local senior center. We got food stamps which were very helpful initially. This was because the amount we got is based upon a peculiar formula reflecting past income and medical expenses. But as time went on, our income was reduced to unemployment and there was less money for medical expenses. As a result, our monthly food stamp allotment diminished substantially.
APPLYING AND QUALIFYING FOR GOVERNMENT ASSISTED LIVING
Consequently, we had to continue to seek out other opportunities for assistance. Fortunately we did find subsidized, senior housing where we continue to live today. Refer to another blog post I wrote about affordable housing.
GOING TO FOOD PANTRIES FOR FOOD
Since we had such limited income and minimal food stamps, we had to find other sources for food. There are food pantries in just about every town where we live. Most are open once a month and some are weekly. We have found the ones that work best for us. But even then, there is still a shortage of fresh produce and meat.
GOING TO FOOD PANTRIES FOR CLOTHES
Some food pantries also have clothes that have been donated. Depending upon the source and the community, the clothes can be very good quality. Since I cannot afford to even go to thrift stores any more, these ‘Lord’s Taylors’, as my husband calls them, are a tremendous help.
Some websites are specifically for coupons for food, household and all kinds of item. One of them is coupons.com.
SHOPPING THROUGH CASHBACK WEBSITESBoth BeFrugal.com and ebates.com are cash back websites.
SHOPPING WHERE I GET SENIOR DISCOUNTS
AARP.COM is a great source for senior discounts. In addition, there are restaurants and stores that give discounts to seniors. But don’t wait for them to tell you. ASK rather than wait for them to let you know!
Some supermarkets give everyday discounts to seniors, like Wild By Nature. Others have senior discounts one day of the week, like Gala Fresh and Compare. Riteaid gives seniors a discount on the first Wednesday of the month.
SHOPPING AT DISCOUNT STORES
There are all kinds of discount stores from cheap dollar stores to high end ones. My favorite is HomeGoods. In fact, if you use their credit card for purchases, you earn points and get a $10 store coupon for each 1000 points earned.
SHOPPING WHERE I GET GREAT SAVINGS
CVS Pharmacy, their official name, carries much more than prescriptions. I buy all kinds of household items there. Because they regularly offer discount coupons, I regularly shop at their stores. In fact, they just acknowledged me as being in the top 4% of supersavers in their New York stores. This is because I regularly make purchases at deep discounts from CVS. These include:
• all my paper goods
• kitchen accessories
• dental care products
• occasional candy and dessert treats
• nasal and vision aids
• over the counter medical needs
• clothes and shoes
• hair care products
• special body soaps
• skin care products
GETTING FURNISHINGS FROM THE TRASH (STREET FINDS) AND GARAGE SALES
Unless something is made out of fabric and stuffing, like beds and chairs, I have gotten almost all our furniture from street finds or garage sales. In fact, the quality of old wooden furniture is far superior to the new cheap materials, chipboard and fast growing pine. Consequently, old furniture is in demand.
After honing my skills on pieces I got at at little or no cost or my own furniture, I took on client work and started a business painting,customer furniture and creating custom decorations.
From this, my own 5-Step Decorative Painting System emerged. Here are the five steps involved:
A manual that describes the process step-by-step is in progress. This makes it possible for anyone to upcycle old furniture and furnishings.
USING CREDIT CARDS RESPONSIBLY
PLEASE NOTE THE NEW SECTION DEVOTED TO CREDIT CARDS USAGE. BECAUSE OF THIS, CREDIT CARD USE SYSTEMS ARE NO LONGER PART OF SAVVY SHOPPING SAVINGS TOOLS.
Because of the potential financial dangers of using credit cards irresponsibly, I especially caution that only people with excellent credit and extreme diligence with their use of credit cards follow these ideas. I compiled two booklet from resource materials that detail the best credit cards to use for cash back and travel rewards. They are The Best Cash Back Credit Cards and The Best Travel Rewards Credit Cards. Furthermore, there is a website creditcards.com that will actually calculate which are the best credit cards to use for individual needs.
PARTICIPATING IN SOCIAL MEDIA ON THIS TOPIC
Participating in Facebook groups and pages as well as websites can provide lots of new information. The groups can also function as support groups. I strongly recommend joining and participating. Some of my favorite sources are listed below.
READING AND WRITING BLOG POSTS WITH SUGGESTIONS ON THIS TOPIC
Reading and writing blog posts are two great ways of learning new tips as well as processing what one knows on this topic. Here is another blog post I wrote on this topic, Living A Consciously Frugal Life.
READ EVERYTHING I CAN ON THIS TOPIC AND WRITE AN eBOOK ABOUT IT
Especially relevant to writing on this topic to read, are other sources of material. Based upon extensive research and writing, I composed, The Poor Middle Class Crisis eBook. It is designed to ‘tell our story’, going from ‘One Day from Homeless’ to where we are now. The book is filled with savvy savings shopper tips.
In conclusion, the list of resources is growing exponentially. It will continue to grow as the need and demand for savvy shavings shopping tips increases.
Sources and Resources
The Savvy Savings Shopper Facebook page
Savvy Shopper Savings Facebook group
A Senior Suburban Survivalist Facebook page
Senior Suburban Survivalism Facebook group
Survival Comes First Facebook page
WiseBread.com website with a Facebook page
WalletHacks.com website with a Facebook page
CreditCards.com website with a Facebook page
NerdWallet.com website with a Facebook page