Fighting the Black Friday and Cyber Monday Monsters

As we all know, Thanksgiving is just around the corner, meaning that we get to eat absurd amounts of food while watching football or talking to relatives. Or at least, that's what it will be for me.

However, it's the weekend after Thanksgiving that many savings-savvy-shoppers look forward to. Black Friday is the day when all of the stores are dropping prices, and Cyber Monday is when the online retailers follow suit.

Both of these days are looming in the not-so-distant future, and they are ready for you to enter them with impulse and reckless abandon. To combat that, you could always eat an absurd amount of food, which apparently increases the production of an amino acid that makes you less impulsive. See? Eat more and save money. Science proves it, and you can't argue with science.

However, the best strategy for tackling the big shopping days is to go in prepared. If you're looking for the best deals for each one, there are some online resources that can help you out. For the shop-a-holics that prefer Black Friday, Black-Friday.net is an excellent catalog of all the deals you can find and where. And for those that wish to avoid the rabid swarming masses and do your shopping online, CyberMonday.net is a similar grouping of all the online deals and where you can save the most money.

So, which of these two days do you use to get most of your shopping done? Have you ever found any great deals? Tell us in the comments!

Save Money and Go Green by Upgrading Your Home’s Insulation

Yahoo! Green has posted an in-depth guide on how to lower your bills and reduce your carbon footprint by upgrading your home’s insulation. On average, heating costs make up about one third of a home’s energy budget, making insulation upgrades one of the quickest ways to make your home more energy efficient.

The article walks you through how you can identify trouble areas in your home and how to choose your new insulation. Included is an in-depth breakdown of every style of insulation on the market, featuring innovative new green choices like bio-based fibers, radiant barriers and blown-in insulation. To help you determine which type of insulation is best for your situation, the guide even provides a link to a handy cost-to-savings calculator.

With winter just around the corner, there’s not much time left to protect your home from the cold before temperatures drop and energy rates soar, so consider upgrading your home’s insulation today.

Saving Time and Money with the Freezer

As a new home owner, switching food over between refrigerators and freezers has made me more acutely aware of just how bad I am about preserving food. After cleaning out several sets of leftovers, it's hard not to feel like there's more I could have done to freeze the food that wasn't going to get used right away. Using the freezer better not only results in less time preparing food, but also less money spent since you're using the leftovers so well.  I've tried to do this a few times in the past, but I've never been able to find the right balance of time and effort.

I'm not sure if any of you are in the same boat as me, but if you are, I found a recent post on Lifehacker to be fairly helpful when it comes to the freezer. 10 Simple Freezer Tricks to Save You Time and Money has some practical guidelines to follow that will make your life easier. For instance, one of the tips talks about using a chopstick to break apart pieces of frozen meat for portion control. Also, saving hard drives in freezers can help damaged recover lost data, or may at least allow it to boot long enough to get what you need.

To read more freezer tips, be sure to visit Lifehacker. How about you guys? Do you have any freezer or refrigerator tips to save time and money?

7 Ways to Easily Lower Your Electricity Bill

No one likes to get a huge electricity bill at the end of the month. With that in mind, here are seven easy ways to increase your energy efficiency and slash your electricity bill at the same time.

• Shop for a new provider — In many states, consumers now have a choice when it comes to their electricity provider. Check out WhiteFence to see if you have a choice in providers. If you do have a choice, you can compare plans from different providers and order your new service right on the site.

• Hunt down your energy vampires — We’ve blogged about this one before, but it bears repeating, many things draw power even when turned off. To combat this, unplug things like cell phone chargers or hair dryers when you aren’t using them, and consider purchasing some of the new smart power strips that allow you to turn multiple devices off at once.

• Use fans when you can — Fans use much less power than your AC system, especially when you take into account that your AC system has to cool the entire house, while a fan just has to cool you. They won’t do you any good if you’re not sitting in front of them though, so turn your fan off when you leave the room.

• Have your AC system inspected — There are many points along your cooling system where electricity can be wasted. Have a professional come out and look for issues, and you might just save 20 percent on your cooling costs.

• Switch to compact fluorescent light bulbs — While everyone has heard about compact fluorescent bulbs by now, many people haven’t taken the plunge, even though they can cut your lighting bill by up to 75 percent! Sure, CFLs cost more up front, but they easily pay for themselves in energy savings over their life.

• Get a programmable thermostat — Instead of keeping your house at one temperature all day, invest in a programmable thermostat and cut down on all of the electricity wasted cooling an empty home. By programming your AC system to turn off while you’re at work, you could save up to 10 percent on your cooling costs.

• Turn off lights when you leave a room — It might be a dinosaur of a tip, but it’s one that makes a lot of sense. Teach your kids this one early to help encourage a mindset of reducing waste.

An Easy New Way to Recycle Your Old Phone

While cell phone recycling is certainly nothing new, a company named EcoATM is rolling out a device that’s making it simpler than ever, and in many cases even pays people for their old phones. An electronic kiosk similar to the machines that turn coins into cash, you can expect to see the EcoATM showing up in retailers near you in the coming months.

Here’s how the eco-friendly system works. You tell the machine what sort of phone you have and drop it in. The EcoATM then photographs the phone to assess its condition, and comes up with a value. If you like the price, you receive the value in store credit for the store where the kiosk is located. Phones with no monetary value can be recycled in exchange for a waterproof cell phone case. As a bonus, the company even plants a tree for every phone recycled.

It’s not all about phones though, as the company expects to the kiosks to be able to accept other gadgets like cameras and MP3 players soon.

How to Get Behind Financially

We hear lots of tips on how to stay on top of our finances and how to save money. It seems like everyone's got a way to cut costs and be more efficient in our spending these days. However, have you ever thought of the bad habits that we have and how they hurt us when it comes to our financial futures?

The Simple Dollar, a great money-savings blog, put up a list of the little ways that people often fail with their money. These choices, when added up day-to-day, turn into a lifetime of poor saving decisions. The article, titled Eleven Things You can do Today to Fall Behind Financially, makes some good points about things that I don't often think about, such as shopping without a list or putting off tasks for later.

There's easily some good advice on what to avoid when managing money. To view the full list, visit The Simple Dollar.

Getting the Most out of the Fridge and Freezer

Even though we are kind enough to provide food and shelter for our household appliances, sometimes they can be greedy and unappreciative, draining precious energy as quickly as taking money out of our wallets. While there are several appliances that act as energy hogs, it's no secret that the refrigerator and freezer are two of the bigger offenders.

The Simple Dollar recently posted an article that gives 7 Ways to Maximize the Value of Your Refrigerator and Freezer. Apparently, there are a few really easy things that everyone can do to start saving money and energy almost immediately. For instance, did you know that moving the fridge away from the wall by just a couple of inches can make it up to 40% more efficient? Likewise, filling your freezer with jugs of frozen water reduces the amount of time that it has to run.

Following some of these steps can lead to some quick savings. To read more about maximizing the value of the fridge and freezer, visit The Simple Dollar.

Back-to-School Shopping Tips

It’s that time of year again, when children everywhere start counting down their last days of freedom and parents get ready to outfit them for another year of school. Here are some quick tips to save money this year:

• Bring a list – It may sound obvious, but make sure you bring along a list of all of the required school supplies and all of the clothing your kids need.
• Stick to the list – Back-to-school-shopping is already expensive enough, don’t make it more painful with impulse items.
• Leave the kids at home – What your children don’t know they’re missing won’t hurt them.
• Shop tax-free – Check to see if your state has a tax-free weekend, if it does you can save a bundle on supplies, clothes and expensive items like laptops.
• Don’t skimp on the important things – Going cheap on bigger-ticket items may be tempting, but there’s no point in buying a inexpensive backpack that you’re going to have to replace in a month.
• Don’t shop at just one store – It may be handy to get everything on your list from calculators to clothing under one roof, but you might be missing out on some great deals, so shop around.
• Check what you already have – You may be surprised at how many things are lurking in your kid’s desks and old backpacks.
• Shop late – Stores mark down lots of school supplies as soon as school starts, so see if you can wait it out or just stop in after your regular shopping to get enough refills for the year at a deep discount.

How to Slay Your Energy Vampire

Is your home infested with energy vampires? You know, those pesky plugged in appliances that suck energy even though they are turned off. Well if your answer is yes, then I've got a solution that will banish those energy draining vampires for good and lower your energy usage.

It's as easy as unplugging unused appliances and getting some up-to-date power strips. Doing those two simple things can save you money on your monthly electric bill.

Now I know some of you already use power strips, and that's great, but do you have the fancy new smart power strips that are out on the market? Some of these new power strips will automatically cut power to everything you have plugged into it when you turn off one designated item. Another power strip has a motion sensor that will turn itself on when you walk by.

Sure these new power strips will cost a little more but in the long run they will cut your energy usage and lower your energy bill. To read more about how you can slay your energy vampire, visit EnergyCircle.

Summer Freebies

Free stuff for summer! I just want to shout that from the rooftops today.

So a friend of mine sends me a link this morning to a site that tells you where you can get all kinds of free items. This is great news. You can get free chocolate from Mars, free business cards, free lunch and so much more.

In this economy when saving money is key to survival summer freebies are a welcome budget saver. Check out the article 11 Fantastic Freebies.