Saturday, June 27, 2009

Product Review: Cup Kozy

I thoroughly enjoyed The Greenest Dollar's latest product review, and I think you will too:

Here’s my situation: I’m usually pretty good at remembering to take along my Sigg thermos when I want a latte from my local coffee shop.

But sometimes I leave in a rush and forget it, or I’m out running errands and don’t have it on me.

The back-up solution? My Cup Kozy.

The Cup Kozy is a reusable felt coffee sleeve that you can use instead of those cardboard ones that the coffee shops offer. They dress up your cup, and keep your hands from getting toasty.

Why I Love My Cup Kozy

Cup Kozy has added features that really make this little product convienent.

And if you think something as small as a reusable coffee sleeve can’t have features, well hang onto your hats.

  • Cool Feature #1: It Rolls Up For Small Storage- Cup Kozies roll up into a tiny tube which will fit easily into a pocket or purse. And because they thought to include a little stretchy band, it stays rolled up. My messy purse thanks you, Cup Kozy…
My rolled up Cup Kozy...

My rolled up Cup Kozy...

  • Cool Feature #2: It Hangs On Your Keychain- Whoever thought of this little feature is a genius. As small as the Cup Kozy is, it seems as if it’d be easy to leave it at home with your thermos, right? Especially for guys, who don’t have a purse to stash it in. Well, Cup Kozy solved the problem by putting a little clasp on the sleeve so you can attach it to your keychain.

Marvel at the simple genius...

Marvel at the simple genius...

Last Word…

I love this little product. It’s a great way for me to consume less when I happen to forget my thermos, and because it’s so small I never even notice that I have it on me.

Cup Kozies are made from felt, and I’ve never gotten my fingers burned from my local brewery’s insanely hot coffee. My Cup Kozy does a great job insulating me from the heat.

Right now, Cup Kozy is offering free shipping on all their products. So if you want one, go check them out! It’s a great little green product that I never leave home without anymore.

Have a Cup Kozy? Anything you'd like to add?

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Friday, June 26, 2009

TGIF: Round-up of Top Blog Posts

Ooh, I've been a slacker this week. How did Friday sneak up on me like that? Enjoy these top blog posts of the week and let me know if I missed any.

We're a little light this week. Anything else I should've added to the list?

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Monday, June 22, 2009

Book Review: 10,001 Ways to Live Large on a Small Budget

I'm an avid Wise Bread reader (if you haven't check out this personal finance blog, it's a must-read). Of course, when I found out the Wise Bread writers had come together to write a book, I just couldn't resist.

Physically, the book has nice, thick pages. It reminds me of a magazine - glossy and colorful.

The book offers a wealth of information. Topics include:

Frugal Living
  • Food & Drink
  • Travel
  • Health & Beauty
  • Fun & Entertainment
  • Shopping & Bargain Hunting
  • Green Living
  • Education & Self Improvement
Personal Finance
  • Financial Planning & Budgeting
  • Credit Cards & Debt
  • Investing Your Money
  • Housing & Home Improvement
  • Career & Money-Making Ideas
Who would think to find a section on Fun & Entertainment? Usually that category is thrown to the wolves when it comes to frugality. That's what I really like about the book, it's realistic -- just like Green and Frugal Living!

While some info you may have heard before, I did find some golden nuggets. Here are three that I especially liked:
  1. 13 Free Ways to Wrap Your Gifts in Style

  2. 8 Tips for the High-End Cheapstake

  3. 6 Simple Tips for Buying Great, Affordable Wine
While many times I will read a personal finance book from cover to cover and then immediately sell it on Amazon.com, 10,001 Ways to Live Large on a Small Budget is very much a reference book that I will continue to use on a regular basis.




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Sunday, June 21, 2009

Happy Father's Day -- Frugal Faux Pas

As you know, I just came back from Disney last week. While I was there, I had a charcoal, profile drawing done of my two children. (I couldn't resist considering that my mom had one done of me with my mom and dad when I was around five years ago.) While the drawing was a bit costly ($45 total), my mom had the great idea. Why not give it to my husband for Father's Day?

The drawing came out great and I wanted to get it professionally framed to preserve this great keepsake. Michael's always has coupons for 60% off custom framing. I figured $100 would be a good amount, since it was Father's Day.

After a beautiful triple matte and gorgeous frame, the total cost? $180! That was with the discount! Without it, it would have cost $300+. After nearly having heart failure, I handed over my credit card. My husband would kill me if he knew what I spent. But I know it's going to come out incredible. I'll have to post a pic when I get it back. That's the other kicker. I don't even know if it'll be ready for Father's Day. Argh!!!!

When I looked at the receipt, the one thing that costed $100 was the frame. I think they got me at a weak moment. What was I thinking?? Has this ever happened to you? I need to be more assertive when it comes to saving money...

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Saturday, June 20, 2009

The Truth About Grocery Flyers

I found this great post from The Simple Dollar and had to share it. I'm a sucker for grocery flyers, but after reading this, I'll have to think twice.

One tactic I mention regularly for saving money on your food purchases is to watch the grocery store flyer for sales, then plan your meals (and shopping lists) around those sales. This tactic really works - I’ve saved quite a bit doing this over the years.

However, things aren’t quite that simple - you can’t just trust the store flyer.

Over the last several months, I’ve been keeping track of prices on several key items that we buy all the time. Garbage bags, fresh spinach, toilet paper, grapes, Pepperidge Farm goldfish crackers, and so on.

I know what the typical price is on these items - I even have a small price list that has the usual prices for them.

So, a few weeks ago, when I took a long look at the flyers from my grocery stores of choice, I happened to notice that some of the “big sales” listed in the flyer weren’t on sale at all. The price was exactly the same as what I usually paid.

What gives? I did some research - calling and emailing a few people I know in the grocery business - and I came up with a few interesting facts about grocery store flyers.

For starters, a large portion of the spots in a grocery store ad are actually paid placements by the product manufacturers. That “sale” on Coca-Cola? It’s likely that Coca-Cola - or a local distributor - paid your grocery store to have their product inserted into the ad. The price of that “sale” item is often unchanged from the normal price - the only reason it’s in the flyer is to put a few more bucks in the pocket of the grocery store itself.

Why would a company pay for such placements? According to Tod Marks of Consumers Union, a mere mention of a product in a grocery store flyer can send sales of that product up as much as 500%. Thus, in many cases, the small cost of the product mention in the flyer can easily be recouped by a big bump in sales.

Another technique often used in flyers is quantity-based tricks. Let’s say, for example, that you typically buy a quart of cottage cheese for $1.49. In the flyer, you might notice that cottage cheese is on “sale” for $0.99 - but it turns out that this is the pint container, not the quart. Without careful reading, one might head out to the grocery store and grab that $0.99 “bargain” without thinking about it, actually paying more per pint of cottage cheese.

These two factors lead to the real question: how can you trust grocery store flyers at all? Here are some tactics I’ve found that work well for finding the real deals in the flyers.

First, ignore “brand name” products. Quite often, these are placed by the large food companies and don’t actually reflect much of a bargain at all. Just skip right past them. Occasionally, one of these might be a “loss leader,” but you can usually only find them if you’re really good at filtering out all of the noise.

Second, focus on the fresh items. The items that are fresh - fresh produce and fresh meats - are rarely branded at all. These items tend to be the real sales in the flyer (but not always - you should always have a good grasp on what the real prices are).

Third, “quantity” sales are often tricky. Let’s say you see some particular item on sale - 2/$5. That could mean a lot of things - it might mean that the items are actually $2.50 each and you don’t actually need to buy two items to get the discount, or it might mean that just buying one item will cost you $3.29 or so - which isn’t really a deal at all. Read the fine print and don’t just immediately buy more than you need or assume it’s a great deal.

Finally, know your quantities. Sometimes, “sales” loudly proclaimed in a flyer are for very small sizes. Once you’re actually in the store, however, you’ll find that the the larger size is actually the better deal, even though it’s not on “sale.” Sales on small quantity items almost always indicate something that’s not really a bargain (unless you can couple a coupon with it and get it for free).

Flyers have a lot of good deals, but there’s a lot of noise as well. Figure out how to filter through the noise and you’ll save yourself a lot of money on groceries.

What do you think?


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