Tips to Reign In and Out Of Control Family Budget: Taking Advantage of Discounts

959b176d7a237c76fc19ff89cdfc6904.jpgPreviously we talked about shopping your Cell Phone service, Internet service, even your Auto/Home/Health insurance.

Sometimes switching companies doesn’t yield you any savings. At that point, turn to your current providers and see if there are any additional discounts or perks that you could be taking advantage of and are not currently receiving?

Example: Some cell phone providers (Like T-Mobile) offer perks or freebies weekly. Free tacos, backpacks, free Netflix subscriptions, and other swag are some of the other cool things that they have offered in the past. AT&T has a program called AT&T Thanks where customers can score varying freebies and deals depending on what type(s) of service they have with AT&T.

Some Auto Insurance companies offer discounts for good students (High school and/or college), safe driving/accident-free, defensive driving courses, and low mileage discounts. It’s worth a call in to see if you can score any extra discounts!

What about services that you can’t shop around?

Utilities are a big one- We can’t shop utilities here in San Diego. SDG&E is the only name in the game here.

BUT- there are ways you can save and even earn money!

Did you know that most local utilities (in San Diego county that means SDG&E) will come out and inspect your AC/furnace for free at the beginning of each season? They can let you know if your furnace or AC is running in tiptop condition, and they can also check to see if your pilot light is lit and safe to run your furnace.

If you are in a lower income or you have a medical condition that requires continue with usage of electricity, SDG&E and other utilities frequently have a medical baseline or low-income program that you can apply for to save money on your utilities.

Other ways that you can save money on your utilities include signing up for services like Ohmconnect, which help you conserve electricity during peak demand hours, which not only helps you save money, but you’ll be saving extra electricity as well.

We’ve been members of them connect for upwards of five years, and we earn about $100 a year cashback from home connect, in addition to the money that we save on our SDG&E bill. You can learn more about Ohm Connect Here.

 

 

 

Tips to Reign In and Out Of Control Family Budget: Shopping Around to Save!

683459ee810703fe032903d2443bf58d.jpgToday I’ll be sharing some ways to save money that takes a little more work but can definitely pay off in the end.

For some of us, this may seem like too much work, and that’s ok. Just because it’s something that my family does, doesn’t mean it’s right for everyone.

Insurance: Most companies offer a discount if you have more than one kind of policy. Example: State Farm offers a Multi-line discount. If you have your cars and another type of insurance (homeowners/renters/condo insurance, or a life insurance policy).

Some insurance companies serve a specific audience- for example, USAA is an insurance company for active duty or retired military. Because they serve a specific audience, they offer very competitive rates.

When you shop for insurance, have copies of all of the policies that you want to compare. That will help you see apples to apples. You can’t compare and try to save money if you don’t know what you’ve got. This is also a great time to go over all of your coverages and see if you need to increase or decrease coverages.

Due to state and federal regulations, you usually can’t shop for health insurance unless it’s open enrollment or you’ve had a qualifying life event (married, divorced, had a baby, retired, lost your job, etc.). Luckily, Tis the Season for open enrollment! We purchased insurance through the state exchange a few years back, before we had employer-sponsored insurance. It was not too difficult to navigate, and there are discounts available for a lot of people!

Cell Phones: This is my least favorite activity, but it can a money saver. Once again- have a copy of your contract or a copy of a recent bill that outlines everything your plan covers before you get started. If you are looking for a pre-paid plan, Tello has some great money-saving plans!

Internet: I hate dealing with our internet service provider. I always feel like they are trying to upsell me, no matter why I am calling in. We’re looking at changing our plan soon. The big kids school recently sent home information regarding a program that Cox offers called Connect2Compete. For those families that have qualifying social service(s), Cox can provide internet service for $9.95/month! That’s a great deal.

 

Talk Back: I’d love to hear your success story! Share how much you’ve saved by shopping around for your insurance, cell phone service, or internet service.

Last-Minute Gifts at Gazelle!

**This post contains affiliate links and I will be compensated if you make a purchase after clicking on my links.

Gazelle is a great place to pick up a last-minute gift or two.

Now through December 22nd, they can get FREE EXPEDITED SHIPPING (2-3 business day) on orders $300+ at Gazelle! Pick up a new to you phone or tablet!

They’ve got a great Trade-In promotion: Get an EXTRA 10% bonus on iPhone 7 & 7 Plus, Galaxy S9 & S9+, iPhone XR, and iPad Pro (all models) valued at $75+ at Gazelle (12/17-12/24)

Maybe you don’t have anything to trade-in, but you still need a deal- YEAR END SALE: Get 15% Off Select Products at Gazelle (12/18-12/31)

I like Gazelle because we can trade-in our old phones and get a discount on a newer phone (or tablet). We are getting the kids a previously owned iPad for Christmas. I’ve already loaded their favorite games and apps (PBS Kids FTW!), and ordered a case that can handle kiddos.

Talk Back: What technology are purchasing or hoping to receive for the holidays?

 

 

Gazelle: Trade-in Promotions

**This post contains affiliate links and I will be compensated if you make a purchase after clicking on my links.

I need a new phone. Like whoah. Somehow Gazelle knew, and they sent me an email with some really great deals.

For the record, I have an iPhone 5s, and it’s almost 4 years old. The battery drains from 100% to dead in less than 3 hours. Yeah. It’s time for a new phone.

Thankfully Gazelle has the hook up!

By purchasing a Certified Pre-Owned device from Gazelle, you can pay less for popular devices such as the devices shown here:

iPhone XS Max 64GB* iPhone XS 64GB* Samsung Galaxy S9+ 64GB*
Retail: $1,099 Retail: $999 Retail: $915
Gazelle: $789 Gazelle: $769 Gazelle: $469

• An unlocked device from Gazelle allows you to choose whatever carrier they want without getting tied down in another agreement
• Certified Pre-Owned devices must pass a 30-point inspection process prior to being sold on Gazelle.com
• Customers can add-on a one-year warranty that covers water, drops, and accidental damage for their Certified Pre-Owned device starting at only $55

*These costs are representative of March 2019. Pricing subject to change dependent on inventory available.

And starting tomorrow: Get $20 off All iPads, iPhones, Galaxys, & Google Plus Phones at Gazelle! 

I’m going to start shopping tomorrow morning!