so, if i made new year's resolutions one of them this year was to reassess my budget, buy everything with cash and pay off those student loans. so, how did i start? by reading two books that helped me look at my finances as a long arc and create an action plan:
The Total Money Makeover and
Get a Financial Life. I furthered those savings by getting one book at the library for free and getting the other on Amazon for a penny! Yup, a penny.
Then I signed-up for
Mint. This is a total money management website that puts all my money, investments, debt, credit cards, loans into one interface for me to see simultaneously. So I could actually see where that penny went and categorize it according to purpose and then see breakdowns and pie charts of how much money I am spending on say my clothes, my cell, or my financial education.
Next I subscribed to
LearnVest. This is a money managing site for women that covers everything from which beauty products to splurge vs. save on to the best apps to invest in to how to invest in the stock market. An even cooler feature is that they have several free
bootcamps that you can subscribe to. They send you daily (or weekly if you prefer) emails that give you 1-3 steps to take this week to achieve your goals. I am currently subscribed for the get out of debt bootcamp and the cut your costs bootcamp. Awesome.
Anyway, all of this is a preamble to two money saving tricks that I tried yesterday that totally worked. One of my emails mentioned an app that monitors items that you are watching online and considering buying and tells you who has the cheapest rates and when they go on sale. Cool right? But even cooler, they mention that you should also check back, up to a week after you bought an item, and if it goes on sale even after you have purchased it, call and ask for a refund of the difference. Really, I thought this would never work and what I would have to do is re-buy the item on sale and return the pricier one but then I pay the shipping twice, which does not make me save money and then I just give up and pay the higher price.
Regardless, I tried it and it worked! I bought the shirt below at
Macy's on Sunday night for $45.99 and Tuesday afternoon it went on sale for $26.99, so I called and asked for the refund and they gave it to me! That is $19 back in my pocket.
Then I was so excited that I figured I would try to get back a processing fee that Overstock charged me in November (for those of you unaware about processing fees this was an item that I ordered online for $89 and then returned which Overstock only refunded HALF OF THE PRICE for because there was a hair on it. Hence the processing fee was that someone had to run a lint roller over an item, hence I was paying $45 dollars for someone to do 6 seconds of work and I am pretty sure Overstock is not paying their warehouse employees $40 per every 6 seconds so I was not having it.) Anyway, the order specialist put me on hold for less than a minute while he checked with his manager and then returned the $45 dollars back to my card and apologized. So kudos to them for great customer service and kudos to me for "making" a grand total of $64 yesterday. Try it. I'm obsessed.
