Out of the Box Solutions for Job Loss Part 1 of 3

| March 31, 2009

In celebration, yes I mean celebration of my job loss due to a lay off I bring you this post. Yes, I am a little scared. Yes, I am a little worried. None of these emotions are going to get me through the next couple of months. Hopefully this post will ease your mind as it has mine in these troubling times.

So, as I celebrate my few weeks of relief from the stress of a job, I celebrate the new path that God has planned for me. I celebrate the love and support from my family and friends. Thank you.

Out of the Box Solutions for Job Loss Part 1 of 3
These tips are not just for those who have lost their jobs, read on you may pick up something that you can use.

It happens to the best of us. We loose our job.

After you have done the standard things, apply for unemployment, update and send out your resume, started networking…here are a few things that you can do to help you save some money while you are looking for your next job.

For Yourself and Family

  • Get the entire family evolved, including the children. They need to know the situation and that the family has to stick together to get through this. Kids have a funny way of looking at things and may surprise you on ideas they come up with to cut cost and raise money, just give them a chance (age appropriate of course).
  • Communicate to your all your friends and family. Ask them for assistance in looking for a new job. This will also relieve you of unnecessary gift purchases for birthdays and holidays.
  • Visit the in-laws and friends for home cooked dinners. Have them over for a pot luck. This is not only a great way to network but you will save money by only having to prepare one item on the menu and you could be left with some leftovers (food and ideas).

Shut Down the Extras

  • Call the cable company and turn it off. You can always rent movies from Redbox free on Monday and Wednesdays monthly. Rent DVDs from the library, most libraries let you rent out DVDs for weeks at a time. Start reading or playing board games as a family instead of watching TV.
  • Do you have two cars and one car that is paid for? Call your insurance and only cover liability on the paid for car and let it sit. Car pool with one vehicle.
  • Call your cell phone company and sign up for the lowest possible monthly plan until your contract is up. Then don’t renew it until you get back on your feet with a new job. Most cell phone companies offer a emergency use 911 contracts. I removed the call waiting, caller ID, and long distance service from my Cellular South phone and saved $40 a month!
  • Purchase a pay as you go cell phone for job call backs and emergencies. Tracfone. Using this site, I found a cell phone with 60 minutes as low as $19.99.
  • Lower your services on your home phone, evaluate if you need caller ID, conference calling, call waiting, and voice mail. An answering machine is a much cheaper alternative to paying for the phone voice mail.
  • Disconnect your home phone if you already have a cell phone. If you must have to have a home phone, try Skype as a replacement. This site offers free calls, video calls, and instant messaging over the internet.
  • If you need to call long distance, purchase a calling card from Sam’s Club or shop around for a calling card. This is a cheaper alternative than paying the phone company monthly for this service.
  • Disconnect your internet services. Use the local library for your internet. This will get you out of the house every day to go to the library, keep you off the couch,  and give you an opportunity to rent books and DVDs for the week. If must have internet at home, check out NetZero for 10 hours a month of free internet.
  • Pay attention to the thermostat and what you use during the day while you are at home. You don’t want your power bill to go up because you are at home during the day when before you weren’t. Can you open the windows and use the ceiling fans?
  • Pull the plug on the appliances that you are not using. An appliance is constantly using power while it is not in use. You remote control TV is just waiting for you to hit the on button, this burns power.
  • Call your power company and ask if you can be put on a set payment plan. This will help avoid the fluctuation in power bills while you are out of work.
  • Buy a tube of caulk and start insulating those windows, like you didn’t have time to do while you had a job.

These tips are not just for those who have lost their jobs, read on you may pick up something that you can use. Click here to see part 2 of 3 and Click here to see part 3 of 3 of this post.

Money Saving Medicine

| March 21, 2009

Have you heard about NeedyMeds.org? This site is a great resource on medicine and healthcare assistance programs.

They even list coupons that “supply free brand name drugs, rebates and other supplies”. The coupon page provides an alphabetical list of drugs with links to the drug manufactures web site for free drugs, rebates, samples, pharmacy coupons, and other supplies.

Here is a link to a coupon for $1 off Afrin; I got this information from the coupon page.

See below for the details of how the coupon page works (this is taken directly from the site).

Signing-Up for the Coupon
When you find the name of your medicine in the coupon list, you will see date that it ends, specifics of the offer, the drug dosage, then one or two links which take you to the sign-up form.

  • If you click on Local Pharmacy Coupon you will go the web site of the manufacturer of the medicine and fill out a form to receive a card to take to your local pharmacy. Some of these cards or forms are mailed to you and others you print from the website. Most of these require your physician‘s signature or are for refills of current prescriptions. On some of these pages the free offer is to the side or not quickly found. Be patient and browse for the offer.
  • Clicking on Online through Xubex will take to a form to be filled out to have the medicine mailed to you from Xubex, a mail-order pharmaceutical company. Either way, you receive the same free offer. Xubex will contact your doctor for you.

What are these Offers?
The offers vary. Many of these coupons offer rebates for $10 to $20. Others provide a 7 to 30 day supply of the drug. Some are for medical supplies such as a reusable insulin pen. Be sure to check for all your medicines.

Healthcare Assistant Programs
This site appears to be a “one stop shop” for information to patient assistant programs. These programs offer free or low-cost medicine to low-income people who are uninsured or under-insured. See below of the state programs that I pulled for Alabama. They also offer links to Disease-Based Assistance, Free/Low Cost Clinics. Discount Drug Cards, and government programs.

6 State Programs in Alabama

Program Name Who is helped
Alabama Child Caring Program A program for uninsured children under age 19 that are not eligible for ALL Kids or SOBRA Medicaid
ALL Kids A low-cost comprehensive health insurance program for children under 19
Medicaid for Low Income Families (MLIF) A health care program for families with very low income who have children under the age of 19 living at home
Plan First Family planning program for women ages 19-55
SenioRX/Wellness Resource Center Prescription assistance and wellness program for people over age 55 with chronic medical conditions and no prescription coverage
SOBRA Medicaid A health care program that helps pay medical bills for children under age 19 and pregnant women

Looking for Coupons?

| March 15, 2009

I am always on the look out for more coupons. The April issues of All You and Better Homes & Garden have coupons.

All You

Last week I bought my very first issue of the All You magazine from Wal-Mart. The coupons in the March issue were not only too good to resist but they more than paid for the cost of the magazine. There was even a $.50 coupon off the next issue.

The April issue appears to be packed with even more coupons as well. Check out the coupons that are available in April (varies by city).

$.50 Colgate Wisp
$1 Marzetti Dressing
$1 NYC color
$1 Sea Breeze
$1 Brut Fragrance
$.55 Brut Antiperspirant or Deodorant
Free Rimmel Sexy Curves mascara (only at Wal-Mart)
$.50 White Cloud
$2/1 Jane Jane Be Pure Mineral or Jane Be Pure AquaCeuticals
$1 Colgate
$1 Excedrin PM
$3/2 Splenda
$.75 Halls
$1 Stacy’s Pita Chips
$1 Stacy’s Pita Chips
$2/1 Faith Like Potatoes DVD
$5/1 Dentek Custom Comfort Nightguard
$1 Dentek Floss Picks $2 or more
$1 People Magazine
$.50 ALL YOU Magazine
$3/1 Tums Dual Action
$1 Stouffers’ Family or Party sized meal
$.50 A Taste of Thai quick meals
$1 Underwood
$2/1 Spectracide
$.40 Palmolive Pure and Clear
$.25 Palmolive Dish Liquid
$1 GE Energy Smart Energy Star (only at Wal-Mart)
$1 Sun Chips
Buy any Glade Scented Oil Candles Tin Holder get Scented Oil Candles Refill Pack Free
$.55 Spot Shot
$.50 New York Frozen
$2/1 Noxzema ShaveSpa 4 blade shavers
$.50 White Castle Burgers

Looking for More?

If you are looking for even more coupons this month, check out the April issue of Better Homes & Garden. FrugalFairhope has been told that it includes a small coupon book; see below for the list of coupons in this issue.

$1 Marzetti Dressing
$1/2 Johnsonville Breakfast Sausage Links
$1/2 Johnsonville Breakfast Sausage Patties
$1 Ocean Spray Cranergy Energy Juice Drink, Cranberry Lift, Raspberry Cranberry Lift or Pomegranate Cranberry Lift
$.55 Red Barron Singles
$.75/2 C&H Sugar
$.75 Any Shout Advanced Laundry Stain Remover
$1 Bounty Paper Towels
$2.25/2 Bounty Paper Towels
$1/2 Glade sprays (excludes air infusions)
$1.50 Tena Pads
$2/1 Tena Underwear including Tena Men protective underwear
$.75 French’s French Fried Onions
$1/2 Lucky Leaf Pie Filling

If you would like to subscribe to All You magazine f or Better Homes & Garden, click the following links for the best on subscriptions I have found. ValueMag offers free shipping, no auto renewals, and 100% satisfaction guarantee, FrugalFairhope would not have it any other way.

Better Homes & Garden$14.97
All You magazine $19.97

Another place that could be overlooked is the Parade circular in the Sunday paper. I found a coupon for $3 off Prilosec and $25 off Veramyst.

Guest Post on DealSeekingMom.com

| March 14, 2009

It is a huge honor to be a guest post for Tara at DealSeekingMom.com.

Please take a minute and click over to her site and check out the article To Print & Clip or Not Print & Clip. Find out the three coupon clipping strategies we use in the FrugalFairhope household.

ECBs At Your Door

| March 13, 2009

Frugal Fairhope is not just about saving money but saving time.

If you refill your prescriptions by going to the store you might be missing a huge time saver.

Renew your prescriptions on line and have them mailed to you for free.

CVS and Walgreens offer free shipping on prescriptions? I just recently had a prescription filled with CVS. Not only did the package arrive within a couple of days but it included my receipt with ECBs. I received a $2 off any Aquafresh and $1 Fruitopia hair care.

ECBs at your door.

What do You See?

| March 9, 2009

IMG_5898

What do you see? Just the inside of a bottle right, with those sometimes frustrating little insert?

Look again.

IMG_58982

Do you see it?

OK, one more time and I will tell you.

IMG_58983

It is a turtle and on the back side is a rabbit!

The turtle is for a slow release and the rabbit is for fast.

Didn’t discover this until I was at a baby shower this weekend and someone pointed it out to me. Am I a new mom or what?

Tell the truth, did you know about it? Send me a comment and tell me.

Staying Ahead of the Disappointment

| March 6, 2009

We all have disappointments in our lives, all we can do is go day by day and deal with life as it comes to us. We have all heard the phrase “carpe diem”; seize the day. What does this truly mean “seize the day”. There are some days we don’t want to seize, like the day we loose a job? Do we really want to seize that day?

There are days that we may want to keep in our memory forever, wedding day, first kiss, and perhaps the day your child was born. Now those are days to seize.

What can we do to prepare for the financial disappointing days that happen in our lives? Things so bad you just want to stay in bed with your head below the sheets. Hide away in a movie theater watching other fictional lives flash before you? Escape in food you know you shouldn’t be eating?

Our family has been saving and making sacrifices for a long time. It comes naturally to us now. We don’t live in a big house like most of our friends. We don’t drive new cars like most of our friends. The little one wears consignment clothing, and plays with consignment shop toys and we only try to only buy things that we need.

By making a few sacrifices that really don’t matter in the long run (do we really need a that 3000 sq foot house); we are able to buy pretty much what ever we want and not have to worry too much about that disappointing day.

Now I know not every one can go to the extremes of what we do. But think about what you can sacrifice to save a little money?

  • Could you take your lunch to work or eating at home instead of going out to eat ($1,212)? http://www.bls.gov/cex/csxann06.pdf
  • Could you increase your car insurance premiums to cover a $1,000 deductible that you put in the bank in case of an accident ($456)? www.consumerreports.org
  • Could you increase your deductible on your homeowners policy (25%)? www.smartmoney.com
  • Could you rent your movies from the local library and turn off the cable ($600)? Do you really care what house is being remodeled on HGTV, couldn’t you use that time to get some exercise or spending that time with the people that you love? www.moneycentral.msn.com
  • Could you rent the books from the library instead of buying ($117)? http://www.bls.gov/cex/csxann06.pdf
  • Could you cut off the home phone and only use a cell phone ($980)? www.consumerreports.org
  • Could you get rid of that cell phone or trade it in for a pay as you go phone for emergencies ($720)? www.associatedcontent.com
  • Could you not attend birthday parties or showers to avoid spending money on gifts?
  • Could you turn down the hot water heater and the thermostat and use ceiling fans or dress warmer ($512)? www.consumerreports.org
  • Could you ask your spouse and family to not exchange gifts this year for birthdays and Christmas and just spend time with each other? ($400) http://americanresearchgroup.com
  • Could you commit to go one day a week without spending any money? Not using the debit or credit card for a 24 hour period.

If you did all the items listed above you would save an average of $4,997 a year!

What could you do with that extra money? Pay off a credit card or pay down on the mortgage, of course!

We may not be able to prepare for the emotional disappointments that happen in our lives but think about some of the things you can do now to ensure you are prepared for the financial disappointments. Go through your bills and write everything that you spend down on paper. You will surprise your self on how much money you are spending without even knowing it.

You can do this, just start today!