Money Saving Tips

Do you use coupons? What are the advantages of using coupons? Can you really save by just using coupons? Why pay full price when you can snag the best deals every day?

Did You Know?

   

***Intentional***

What are your feelings about using coupons? Do you pay full price on items because you can afford it?

1. Digital Coupons

Did you know that technology is so advanced that you do not need a printer to use coupons? Yes you can save more and spend less. I frequently use Kroger and Meijer digital coupons. The great thing about this is in their app you just click on the coupons you want to use then when you shop it is automatically applied to your grocery list as you checkout in the store. This is so convenient and it even tells you at the end of the list how much you have saved. Also, Kroger will allow you to use coupons on certain items up to 5 times. Now that is really a savings for me. I love that Kroger has 5x the fuel coupons which saves you when purchasing gas for your vehicle.

2. Coupons by Mail

You can still live the frugal life. Now if you are not into the technology of coupons just yet, you can always receive coupons by mail. Hasselfreesavings.com talks about this. They have a list of 358 companies to contact for coupons. They even tell you what to write in an email for coupons.

3. Do Billionaires use Coupons?

Do billionaires use coupons? They most certainly do. According to cnbc.com some of the world’s wealthiest people are still cost-conscious. Perhaps that’s why they’re so rich in the first place. They further added that when Warren Buffet and Bill Gates were traveling together they decided to get lunch at McDonald's. Warren reached into his pocket and pulled out coupons. 

Speaking of riches I recall working with a CEO’s son. His teen-age son felt he should not have to bring his lunch to work. He commented why have a lot of money and not use it. I emphasized to him it is his parent’s money not his. He did not realize how much his parent’s may have already sacrificed to become CEO of an organization.

4. Buy Items You Use

Always be money smart. It is important to remember that you want to shop wisely and strategically. Just do not obtain coupons if you are not going to use them. When extreme couponing, you need to  know to purchase items that you will use. Money.howstuffworks.com gives an example of not buying 15 cans of tuna for a great deal if you will never eat what you bought. If you do this you are not saving any money at all. Have you seen or do you know someone that orders things because they feel it is a great deal even though they may not use it, but thinks maybe one day they might need it? You should make sure that you do not have that mindset with coupons.

5. Search for Coupons

Budgetsmadeeasy.com talks about searching for specific coupons at coupons.com. They further suggest contacting the manufacture for coupons letting them know that you love their products and would like to know where you can find coupons. Remember you want to save money and live better.

6. Why Stores Use Coupons

Did you know that stores know that the more they discount their products or the more they “give,” the more likely you will spend your money with them. Ramseysolutions.com talks about this and further adds that stores do not want you to know they have discounted some of their items so much that they actually lose money on that item just to get you in the door.

7. Temu controversy

There have been pros and cons about ordering from Temu.com online. I can say that I have had great results and savings from ordering form Temu. Something I notice is that you are bombarded with online coupons and discounts. They do this in such a way to hold your attention and not leave the page. I can honestly say I have received great products (mainly clothing) from Temu and I have received the products at a great price. I set my limits when shopping because I see so many things that I really like. I really love their return policy which has been very accurate from my experience. I want to remember to save more and spend less. I have had to return a few things that were not quite what I expected from the pictures, but the returning was very easy and no cost to me. The rate of returns have been far less than the great products I have received.  I can honestly say that.

8. Pros and Cons of Coupons For Your Business

Do you know the pros and cons of using coupons for your business? The advantages of using coupons for your business include introducing new customers to your store or website, email marketing list, and social media websites can be used for coupons according to investopedia.com. They further added that the disadvantages of using coupons for business include costing your business money and reducing profit.

9. Does Coupon Fraud exist?

Yes coupons fraud exists. According to unit21.ai the Queenpins case was a case in Phoenix, Arizona. Robin Ramirez bought bulk quantities of counterfeit coupons and when the house was raided the FBI (Federal Bureau of Investigation) recovered over $40 million worth of fake coupons. I also saw the movie “Queenpins” the women were greedy and really got carried away with couponing. This couponing was an entire different level. I would never had imagine. 

So while you want to save money couponing you also want to make sure you are not doing anything illegal with your couponing regardless to how good the couponing gets. Save money with couponing. Take advantage of using digital couponing, but do not go overboard. I very seldom do paper couponing, because I have become so accustom to digital couponing and digital is the new Technology. You can have a coupon in your cellphone and just have the store clerk scan the barcode. This is so convenient and faster than the paper coupon. So are you using coupons or even thinking about it?

Source:

How to Sign Up for Coupons by Email and Save $

5 millionaires and billionaires who still use coupons

 

10 Extreme Coupon Tips for Normal People

 

Coupon Tips For Beginners

 

Does Couponing Really Save You Money?

 

Advantages and Disadvantages of Using Coupons for Your Business

 

Coupon Fraud

 

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The Benefits of Smiling and Laughing

Did you know that smiling and laughing are simple gifts that can brighten your day and lift, your spirit?  Best of all, they are free!

Think About It. . .

***Purpose***

1.      Fake Smiling

Have you ever heard of fake smiles?  Have you tried it. According to verywellmind.com even a fake smile can trick your brain into feeling happier and help you manage stress better.  They further added that research suggests that smiles are contagious and can change the moods of others for the better. 

2.      Chemical Cocktail

Do you know what a chemical cocktail is?  When you smile your brain releases three key chemicals: they are Dopamine which drives feelings of reward and motivation, Serotonin to regulate your mood, and endorphins, a natural painkiller.  Scienceinsights.org., talks about this.  They further added that not all smiles are created equal.  Receiving warm, genuine smiles helped people recover from stressful situations more quickly, whereas people who received cold, dominant smiles had elevated cortisol levels half an hour later.

3.      Medicine

Proverbs 17:22 A merry heart does good, like medicine, but a broken spirit dries the bones.  Laughter is good medicine for your body.  Do you know of people that are joyful and that smile often?   Do you know people that are grouchy and always complaining?  Brainperformance.com talks about how complaining rewires the brain.  Research from Stanford reveals that frequent complaining shrinks the hippocampus which is vital for memory and problem-solving.  They further added that listening to complaints for over 30 minutes can harm the brain.  What can you do about it?   How about developing a habit of gratitude?  How about acknowledging things that you are grateful for in your life?   Have you tried this?  I have tried it and discovered there are so many things in my life to be grateful for.  Think about it.   Remember start thinking twice before complaining.

4.       Laughing and Exercise

Can smiling be a form of exercise?  Yes, it can.  Did you know that laughing expands the lungs, stretches the muscles in the body and stimulates homeostasis.   This exercises the body, replenishing the cells from a lung full of oxygen and gains all the benefits of exercising the body.  Lifehack.org., further states that smiling makes you appear more approachable, makes others feel better too, and makes you more appealing and attractive person to be around.  Who doesn't want to look attractive?

5.       Smiling Depression

 Do you know what smiling depression is?  Have you seen those that appear cheerful with a smile only to find out later that they were battling depression? Have you seen those that appeared cheerful only later to discover they had committed suicide?  Psychologytoday.com talks about how this major depressive disorder often goes unnoticed. And those affected might be high-achieving, outwardly successful individuals who suppress their struggles.  I believe this is a time when others might question how they missed the signs. 

6.       Different Types of Smiles

Different types of smiles might include genuine, fake, polite, flirtatious, embarrassed, sarcastic, miserable, and compliance smiles.  These are all talked about at wikihow.com.  I am sure you have seen two or more of the types of smiles listed above sometime during your life.  They also noted that this form of non-verbal communication allows you to express reward smiles, affiliative smiles, and dominance smiles.  I can identify with the dominance smiles. I have seen those that express superiority with their smile.   It is very clear and a (no doubt about it) type of smile. 

 7.      Difference in Smiling and Laughter

Smiling may occur when you are reading or possibly having a private thought.  Have you ever noticed this?   Someone might be reading and you see them smiling?  It makes you wonder, “What is so interesting?”  Laughter generally evokes something funny such as a joke or story.  You may know of people that are generally funny.   These type of people will tell you jokes or talk about funny instances that may have occurred.   They will share these things with you.

I was at a funeral recently.   The grandchildren shared how the grandfather not only taught the boys how to cut grass but taught the girls also.  I could see myself smiling when this was shared.  I felt myself laughing when the grandson shared growing up he and his grandfather had cut 9 lawns.  His grandfather only paid $1.50 to him.   He was very upset and went to tell his grandmother.   After she said a few choice words the grandfather then gave him $20.00 more, which he says was a lot at that time for a child.  Can you think of instances when you have had a big laugh?

8.      Babies Smiling and Laughing

Have you ever thought about when babies start smiling and laughing?  By about 2 months your baby may start to show social smiles that are real, intentional and responsive smiles.  Babies start laughing around four to six months.  Health.clevelandclinic.org., talks about this. They do add, however, to talk to your child’s pediatrician if your baby is not responding to your voice, not engaging with toys, or not showing interest in exploring their environment.

9.      Do You Cry When You Laugh?

Did you know that crying and laughing provide the same kind of release for physiological stress. Newhealthadvisor.org., talks about this.   They also added that when people laugh or cry, it is an involuntary subconscious attempt at calming down and reducing stress.  Have you ever just had that laugh that was so funny that you started crying?

Have you observed that some people are just naturally funny. My big sister just keeps me laughing.   She can be so funny.

Source:

10 Big Benefits of Smiling

What Does Smiling Do to Your Brain and Mood? - ScienceInsights

How Complaining Rewires Your Brain

7 Benefits of Smiling and Laughing that You Didn't Know about - LifeHack

The Extraordinary Power of a Smile | Psychology Today

21 Types of Smiles: What They Mean & Look Like

The Difference Between Smiling and Laughing - Humor That Works

When Do Babies Start Smiling and Laughing?

https://health.clevelandclinic.org/when-do-babies-start-laughing-smiling

 

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Love The Universal Language

Did you know that love is a universal language that can be spoken and felt all over the world?

 

Think about this:

1.    Your Love Language

What is your love language?   Love may mean different things to different people.   Simplypsychology.org., describes the 5 love languages as words of affirmation, quality time, physical touch, acts of service, receiving gifts.   Have you taken the time to determine which ones are yours?  Have you taken time to see which one that your loved one may need? 

  

   2.   Most Popular Love Language

Love is Powerful. What is the most popular love Language?   According to wftv.com quality time ranking 31.5% is the most popular love language in America.    The further added that physical touch ranks 27.5, acts of service ranks 15%, words of affirmation 15%, and gifts ranked 11%.   I could see how quality of time ranked the highest because in today’s society seemingly everyone is rushing to attempt to get as much done in a day’s time as possible.  Single mothers seem to have to raise their children on their own.  Many individuals are employed in two or three jobs instead of only one.  A deliberate decision is needed to prioritize quality time.    They further added that music can also be a language of love according to a study.   If your partner likes K-pop, they are the most likely of any music fan base to cherish quality time in their love life.  While country fans, on the other hand, are quite the opposite.

    3.  Building a Love That Lasts 

 What are the 4 keys to building a love that lasts?   Greatergood.berkeley.edusuggests harmonious passion, cultivating positive emotions, savoring the good times, and knowing and building on your character strengths.  That is great.   I still appreciate the Bible verse about love.    This passage is commonly referred to as the Love Chapter.  1 Corinthians 13.   I particularly enjoy the verses about love.    They are as follows: verse 4. Love is patient, love is kind, it does not envy, it does not boast, it is not proud.  Verse 5. It does not dishonor others, it is not self-seeking, it is not easily angered, it keeps no record of wrongs.  Verse 6. Love does not delight in evil but rejoices in the truth (v.7).   It always protects, always trusts, always hopes, always preserves, and verse 8. Love never fails. 

 

 4.      Love Heals

Does love aid healing?  It is possible.  1 Peter 4:8 Above all, love each other deeply, because love covers over a multitude of sins.  (NIV).  Studies illustrate that the chemical and functional changes occurring with a love-empowered heart make us more resilient to pain and stress, reduce the risk of and promote improved recovery from cardiovascular events (strokes and heart attacks), and even help us fight off infections.   Psychologytoday.com talks about this.  They further added examples of how many parents have overcome addictions to alcohol or cigarettes in an expression of love for their newborn child or how many soldiers have made enormous sacrifices for their love of country and family?  I can see that.  This reminds me of how often people thank my husband for his service.    My husband is a veteran. He also is very patriotic.    His response to them is, “You were worth fighting for.” To my amazement many people are surprised to hear him say that, because they usually are expecting him to just say, “Your welcome.”

 

 5.      Unconditional Love

Have you felt unconditional love?    Do you know what unconditional love looks like?  Healthline.com talks about unconditional love as a selfless act, it can benefit emotional health, it feels secure, it’s altruistic, and it involves acceptance and forgiveness.  You know it is not love when strings or conditions are attached.   Have you heard someone say, "If you loved me, you'd do this?"    If you loved me you would do that?”

 

 6.      Tough Love

What is tough love?   Have you ever had to use tough love?   I believe when parenting there may be times when tough love is needed.  During my children's upbringing, we engaged in role-playing activities.  My two oldest children described me as favoring my youngest and giving her a pat on the shoulder no matter what she did.  I had never thought I did that until I saw them doing the role playing.  I needed to start using tough love.  How many of you have been guilty of favoring one of your children?  After the role playing I started looking at situations and sometimes saying to myself, “If this was not your child would you allow a certain behavior?  I would ask myself that question.    Children often don't notice that parents tend to become more relaxed with each additional child.  

 

  7.      Your Immune System

Some individuals experience rapid recovery from illnesses.    Have you ever wondered why that is?  Uthealthaustin.org., suggests that feeling loved and supported can strengthen the immune system and that those with a strong support system tend to recover more quickly from illnesses.   They further added that happily married couples report fewer complaints of back pain and headaches; happily married couples are 10% more likely to experience restful sleep.  Can anyone identify with this?  This is love in action.

 I have talked about this before.   During COVID-19 I was concerned during the month lockdown in our state.   Would my husband and I tolerate each other?  How would we cope under the circumstances.   Although I'd heard about families struggling in close quarters, we had no issues.  I was thankful for that.

Since love is a universal language and means different things to different people I ask you, “What does love mean to you?”   

 

Source: 

The 5 Love Languages Explained

 What’s the Most Popular Love Language in America?

 Four Keys to Building a Love that Lasts

 4 Ways Love Heals the Heart

 What’s (Unconditional) Love Got to Do with It?

 Ten Surprising Health Benefits of Love

  

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The Pros and Cons of Daylight Savings Time

 Is changing the clocks twice a year worth it?  Do you know when daylight savings time started in the United States? Does Daylight Savings Time affect your sleep?

Think About This. . .

***Purpose***

 

1.     Who created Daylight Savings Time?

In 1895 George Vernon Hudson, a postal worker from New Zealand made this proposition so that he would have more daylight hours to devote to his passion for studying and collecting insects, but in 1907 William Willett published a brochure called “The Waste of Daylight” advocating the benefits of adjusting clocks.  This is according to historycooperative.org.

 2.     Daylight Savings Time in the United States

Did you know that daylight savings time started in the United States in 1918 during World War 1 for the purpose of conserving fuel?

 3.     Safety

According to scienceinsights.org., daylight savings time reduces crime, lowers traffic fatalities, and gives people more usable daylight after work and school.   Whereas it has been explained that farmers follow the sun not the clock and when humans move their clock forward their production gets disrupted and the milk truck still arrives on the clock, which allows the dairy farmers no flexibility to keep things moving.

  4.     Mental Health

What about your mental health.   Did you know that sleep disturbances and the stress of adjusting to daylight savings may affect your mental health.  Housely.com talks about people often feeling more anxious or depressed during this transition making it harder to feel balanced.   I can attest to this.   When the clock is changed my body still wants to remain on the say old routine and it takes a while for me to adjust. 

   5.    Daylight Importance

What is the importance of daylight?  It has been scientifically proven that natural lighting helps people become happier, calm, healthy and productive.  Aydinlatma.org. further suggests that daylight improves the overall health and circadian rhythm of building occupants.  I love the daylight and I can see why switching the times every year can be concerning for our bodies.   My body feels it. 

   6.    Permanent Daylight Savings Time

Permanent daylight savings time will provide Americans with greater consistency, more usable daylight in the evening, and the certainty that comes with ending the twice-yearly clock changes.  Usnews.com talks about this.  I can see this.  Changing time twice a year just messes with the body. 

  7.     Living by the Sun and Moons Rhythm

Have you ever thought about how we survived before daylight savings time?  Before daylight savings time we depended on the sun.  There are those that could tell you about the time by the way that the sun rises, because clocks were not invented until  the 13^th and 14^th century according to nigms.nih.gov.

  8.    Will Trump End Daylight Savings Time?

This is an interesting question. Usatoday.com mentioned that in Trump’s first term in March 2019 he shared on social media that he fully supported making daylight saving time permanent.  In another post in 2024, Trump said he supports eliminating the time change.  They further added that the Daylight Act of 2026, would change the 1918 law and permanently adjust American time, per the legislation.  Republican Greg Steube, R-Florida, in early February, introduced the bill that would move the United States time zones forward 30 minutes and leave them there permanently.  

   9.    On the Winter Solstice?

What happens after the winter solstice? The winter solstice occurred on Sunday, December 21, 2025, at 10:03 am., the shortest day of the year. Starting Monday, December 22, the days started getting longer, and the sun was higher up in the sky.  The darkest afternoon was on December 7 thanks to the lag between the days variable lengths caused by our planet moving at different speeds in our orbit.  This is talked about at almanac.com.  They further added that daily daylight increased by 3 minutes per day in March, depending on your location.

  10.   Candles

Could you imagine telling time by a candle?  During the middle-ages this is exactly how they told time.  The burning of a candle is a predictable thing.  People could measure time by marking candles by the hour. Medievalists.net talks about this.  When a candle had burned down to a certain mark, that meant many hours had passed. Can you imagine? 

  11.   Spring Forward

What does spring forward during Daylight Savings time mean?  It means losing an hour and according to usatoday.com  Johns Hopkins Bloomberg School of Public Health states this has caused disrupting sleep patterns for over 300 million people, risk of mood disturbances, hospital admissions, as well as potential car crashes.  I know that is right. I have noticed even though the time changes my body does not seem to be aware of that and wants to reside on the old schedule.   Now they further added that not all United States observe daylight savings time.   Hawaii and most of Arizona do not observe daylight savings time.  I would not be offended if my state was added to that list.  In fact, I would really like it. 

  12.  Circadian Rhythm

How important is your circadian rhythm?  Your circadian rhythm is the pattern your body follows based on a 24-hour day.  In other words, your body’s internal clock.  What happens when your circadian rhythm is disrupted?  Light and dark affect your circadian rhythm.   It affects your food intake, stress, physical activity, temperature, overnight or off-hour work shifts, travel, certain medications, mental health conditions, health conditions involving your head or brain, and poor sleep habits.  I can identify with several of these. 

I recall when cross-training at my previous employment, part of my cross-training involved working all 3 shifts.  Well, everyone teased me regarding third shift, because every night while working at exactly 3 am I became very sleepy and had to fight to keep my eyes open. I will never forget working that shift.  That was an eye opener for me.

What are your thoughts?   Do you want Daylight Savings time to stop?

 

Source:

Who Invented Daylight Savings Time? Chronicles of the Clock | History Cooperative

What Are the Real Benefits of Daylight Saving Time? - ScienceInsights

5 Benefits and 5 Drawbacks of Daylight Savings Time - Housely

The Importance of Daylight - Lighting Portal

The House Voted for Permanent Daylight Saving Time. Here Is What it Means for You | National News | U.S. News

Living by the light: How the Moon and Sun shape our rhythm

Circadian Rhythms | National Institute of General Medical Sciences

Is Trump ending daylight saving time? See his stance on the issue.

How Much Daylight Do We Gain After the Winter Solstice? | Almanac.com

Time and the Middle Ages - Medievalists.net

What to know about Daylight saving time, why clocks 'spring forward'

Circadian Rhythm: What It Is, How It Works & What Affects It

 

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8 Reasons There is Power in Movement

Did you know that every step is a reminder that you are still here, still growing, and still moving toward your purpose?

 

 Did You Know?. . .

***Purpose***

1.       Let’s Move into Schools

I was so happy when Michelle Obama launched the “Let’s Move” Action in the schools.  We were raising the most sedentary generation in history.

Obamawhitehouse.archives.gov talks about this.  They further stated that the let’s move action empowered schools to find free or low-cost ways to incorporate movement before during, and after the school day. 

2.       Staying Active

How active are you?   Do you sit around watching television all day?  Are you sluggish and do not feel like moving?  Did you know that physical activity has its benefits?  They are as follows:

It helps you feel better, function, sleep better, sharpen learning and skills as you get older, reduce cardiovascular disease, reduce the risk of infectious disease, strengthen bones and muscles, decrease the risk of falls and hip fractures, increase chances of living longer, and reduce pain.  This is talked about at cdc.gov.

3.      Why Move?

Have you ever asked the question, “Why should I Move?”  Did you know that you don’t have to move perfectly, but rather just keep moving.  Those small steps can lead to big changes. I recall when in the hospital after the birth of one of my children.   The patient in the room with me had had a caesarian delivery.   She complained about the pain and although the nurses encouraged her to get up and walk, she refused.   So, I asked her about her baby.   I suggested she walk down to where the babies were and show me her baby.  She got up and walked down there with me despite her pain. I was happy for her.  For those of you that have been in the hospital have you noted that right after many operations they encourage you to get up and walk around.   They encourage movement right away.  This does make sense.   If you note when dogs have their babies.  They get up and walk that same day.  They understand the importance of movement.

Did you know that more than 2600 people ages 60 and older were followed for nine years?    Those who sat for an average of about three hours a day were 33% less likely to die of cardiovascular disease. Health.harvard.edu talks about this.   They further suggested setting a reminder to get up at least once an hour, making multiple trips from your car to your home to put up your groceries, and standing up and walking while talking on your cellphone.  It is also a good idea to park farther away from the store when shopping.   This forces you to walk more.

4.        Daily Movement

Did you know that you can sneak movement into your daily schedule by setting an alarm on our watch or phone as a reminder, taking a yoga or dance class, take 2 minutes to get up and move, go shopping, clean house, be playful with your dog, do yard work, take the stairs instead of the elevator, and making it a point to take the first step.  Goodhousekeeping.com talks about this.

 5.      Why is Movement So Important?

Movement is important because excess sitting now is linked with many diseases and conditions, including obesity, hypertension, back pain, cancer, cardiovascular disease and depression according to Mayoclinichealthsystem.org. They further added that excessive sitting is a fairly new problem in human history.  Two hundred years ago, 90% of the world lived in agricultural communities with people sitting for three to five hours per day for breaks from work.   Today Americans sit for 13-15 hours per day.

  6.     Movement and Your Mind

What does movement have to do with your mind?  According to pyschologytoday.com movement is one of psychology’s most underused mental health tools.   They further added that when you move you feel better and when people feel better about themselves, they often experience fewer symptoms of depression and anxiety.   That makes sense.   Have you ever felt like you did not want to go somewhere, but you went anyway and afterwards you were glad you went instead of staying home watching television? 

 7.      Find What Moves You

Do you know what will help you to move?  You may need to experiment and find out what works best for you.   For one person it may be jogging and for another it may just be walking around the block or in the park.  For another maybe it is just doing housework around the house.   Maybe you just like doing stretches.  I recall a friend who had hip surgery.  I remember the nurses telling him when he got home, he must get up and walk around every hour.  I also remember when he was in the hospital the day after the surgery the nurses had him up walking.  That is just how important movement is.  You no longer stay in the hospital beds.  In fact you no longer stay in the hospital for days at a time unless necessary.   Many surgeries now are done on an outpatient basis.

8.      Your muscles and your Bones

Why is movement important to your muscles and your bones?  It is important because regular movement tells your body that you need to repair-grow your muscles, regular activity maintains a low but important level of muscle tone that makes you look less soft and more athletic, regular daily activity will send signals for the strengthening these crucial tissues, daily activity helps speed up the strengthening process of your ligaments, inactivity causes loss of density while regular exercise and movement improves bone density, and moving everyday causes you to build strength, control, and familiarity.  This is talked about at thehealthhub.com.

What are you doing daily to keep moving?

 

Source:

First Lady Michelle Obama Launches Let's Move Active Schools | The White House

Benefits of Physical Activity | Physical Activity Basics | CDC

Why you should move — even just a little — throughout the day - Harvard Health

12 Easy Ways to Sneak More Movement Into Your Day

The importance of movement - Mayo Clinic Health System

The Connection Between Mind and Movement | Psychology Today

https://www.thehealthhub.com/benefits-of-moving-everyday/

 

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