Category: finances

Save Money Renting Textbooks with #CampusBookRentals

Having just completed my undergraduate degree five years ago I can state that undeniably one of the greatest (and most difficult to budget for) are your textbooks. There is no way to get around this cost because textbooks are essential to each course. The most frustrating part is that even though they are essential you can go a whole semester with using them once a week or less. I have some textbooks that I had purchased six years ago that look brand new!

Campus Book Rentals is the perfect alternative choice when looking into purchasing textbooks. Instead of purchasing, you can rent the required textbook saving 40-90% off bookstore prices! Yup – 40-90% off of the bookstore prices. I am not sure about your courses but none of my textbooks were below $75! Imagine those savings?! Not only are you saving on the textbook price but the textbooks are shipped to you for free and returning is free as well. During the flexible renting period, you are also allowed to highlight the textbooks without fear of extra charges. Perfect for making important mental notes to come back to.

Campus Book Rentals also participates in donating a portion of each of textbook rental to Operation Smile. Operation Smile is a fantastic organization that works around the world to help provide safe, effective and free cleft lip and cleft palate reconstructive surgery. They work in over sixty countries raising awareness of this life threatening condition. Since 1982, they have provided over 200,000 free surgeries for children and young adults.

Campus Book Rentals also has a great new program called Rent Back where students can send their used textbooks to Campus Book Rentals, who rents them out to a student and you make money off of that rental. When it is returned they rent it out again and you also make money on that rental as well. This could make you as a student 2-4 times more then just selling your textbook! You can watch this video for more info.

Have you ever rented out textbooks? Were you also like me shocked at the prices of textbooks?

Continue Reading

Oink: Teaching Financial Literacy and Independence #review #giveaway

Teaching our children financial literacy skills is incredibly important. It gives them the strength, knowledge and independence to help them grow as stronger young adults. But how do we teach our children these skills? Money can be such a sensitive topic for people and others may not feel comfortable discussing bills, savings, etc. The tricky part can be in how to get these conversations rolling.
Image from VirtualPiggy.com

 

Oink (previously Virtual Piggy) is an online piggy bank where children and teens can safely (and securely!) spend, save their allowances, create wishlists, donate and more. Most importantly, Oink opens up the door of communication so we can have these important financial chats with our children (that do not always happen when we give them their allowance in cash and they disappear quickly and I speak from experience there – never seen a nine year old run to his room so quickly before!).
Oink has set up quite a few safeguards for children when it comes to spending. A parent must first set up their own account linking it to their child’s account. Parents can then set a number of parameters depending on the age of their child, the amount of independence they feel is right, etc. Parent’s can set up funding goals, choose how much a child can spend in a single transaction, how they are alerted for these transactions and if approval needs to be given before these transactions can go through. Oink works with kid friendly retailers online and when your child goes to make a purchase they simply click on the “Virtual Piggy” at checkout. This video by Oink really helped walk me through the whole concept and understand our accounts better.

I love how Oink not only allows my son and I to have important financial conversations but also how it empowers him to make good financial decisions on his own. I was quite proud to hear him say that he did not want to spend all of his money on one toy because then he would have nothing left! He wanted to save a portion of his allowance and the other part he would save until there was something he really wanted. Oink gives him the tools to independently save his allowance, create a wishlist that we can go through together (you know all those “wants”) while still allowing me to monitor from a distance to make sure he is safe. It allowed me to feel confident in his choices and help us to speak more freely about money and budgeting for our wants and needs.
The best part of Oink? It is 100% free to use! Yes you heard that right! Both the child and parent account are completely free to use, save and spend online!
Oink is also a Parent Tested Parent Approved Winner. They have met the high standards of other parents just like you in order to earn that designation which is well deserved!
You can also check out their website which has a wealth of financial knowledge and tips. They have great tips on starting money conversations when paying bills or shopping along with helpful resources for families. You can also keep up to date with them on FacebookTwitter, Pinterest and Instagram.
Oink is giving one reader a chance to win a $100 in gift card credit at shop.virtualpiggy.com
This giveaway is open to residents of the US, 18 years of age and older. Enter via the Rafflecopter form below.
GOOD LUCK!

a Rafflecopter giveaway

Disclosure: I received no monetary compensation for this post. All opinions expressed are my own. The only compensation from this post is the giveaway for you my readers.

Continue Reading

How to Save Money on Everyday Items Part One: Price Matching and Lists

One of my all time favourite topics is how to save money – especially on groceries and toiletries.These items tend to use up the majority of our budget so I like to focus on these items when I am developing my grocery list. My co-workers know me as the “couponing lady”. But how can anyone resist saving money??!!! Why pay full price when you can purchase two items for the same price as one.

Price matching is where I see the majority of my savings. I love my coupons but the area that yields the most savings has always been in price matching. I know a lot of people that become overwhelmed at the thought of price matching, the amount of work involved, organizing and not wanting to make anyone angry at the cash register. Rest easy – I felt this way too when I first started and have developed my own tips for organizing my shop to ensure I save as much as possible each time.
First Step: Make a list
This is so important! Don’t purchase items because you can not remember if you have them in your pantry or fridge. Take the five minutes needed to go through your cupboards, fridge, freezer and pantry. It is important to become familiar with what products you have, what you are not using and use this time to purge items that are expired. Now start a list of what you will need. I like to prepare my list based on two weeks worth of meals – taking into consideration I will need to purchase buns before the second week starts for lunches. I include how many of each items I will need as well.
Step Two: Get Out Those Flyers!
The second step is a two step process. When I start to price match I first visit my favourite site – Save Big Live Better. They organize all the stores for you with the best deals and the amount it is on sale for. I quickly go through the list, match it up with my own grocery list and record the price on my list along with the store. I then go through the flyers myself (I enjoy this part the most!!). I tend to find items that I need that may not be on her list but it is on sale for a better price then I would have been able to purchase it for regular price.
Step Three: Re-Write Your List
This step may seem a bit redundant but trust me it is well worth it! I re-write my list starting with the stores I am going to price match from. My header for each one is the store flyer I am price matching it to – the columns that I record are the item, size of the item and the sale price. Including the sale price is important so that when you do get to the store you are not fumbling to compare prices (a little preparation goes a long way!!). Once everything is complete I put it all in my Dollar Store folder, tuck it in my purse and off I go!

Step Four: The Actual Shop!

I personally feel this is where a lot of individuals end up frustrated and give up. I know myself I have wanted to give up especially when it gets stressful in store with two children! What I realized was that I was doing it all wrong! Just like preparing before you shop – you need to organize your cart.

I personally enjoy shopping at Walmart. Their price matching policy is the easiest to follow (if you are confused check out Save Big Live Better’s website where they outline price matching policies or ask in store). Wherever you shop just make sure they will allow you to price match – otherwise all of your work will be lost. Walmart has those fantastic two tier carts that are perfect when you are combining regular shopping with price matching. I use the smaller top part for the regular items on my list and the bottom area for all price matched products. I also group the items by store with the flyer underneath to make it easier when I pay.

Step Five: The Transaction!

Find a line where you don’t feel rushed to put the items on the line. I find this is important because I like to organize how I put them on the line to make the process not only easier on myself but the cashier as well. I always group the regular priced items first. Then remove each price matching group and place them together (ex. all Frescho items first, followed by Fortinos, etc..). Make sure you keep the flyers in order as well along with your list for easy reference. It is also nice to give your cashier a heads up that after a certain item the rest will be price matched.

Above all enjoy your shopping and saving money!

Do you price match differently? What are some techniques that work for you?

Continue Reading
Working Mommy Journal
Privacy Overview

This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.