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Want to Stretch a Dollar? 5 Ways to Save on Your Grocery Bill

By Debra J Harris

Grocery shopping is one thing that every American does, and it can really cost a lot of money if you have a big family. Finding ways to save can be a blessing to every family and it only takes a couple of easy steps.

5. Start clipping coupons. I know, most people hate coupon clipping, but coupons can save you around 25% of your grocery bill every time you shop! And you don't even have to clip them out of the newspaper! Many grocery stores accept coupons that are found online. You can get coupons loaded onto your mobile phone, or even downloaded to your grocery store's club card.

4. Get a club card with whatever store you shop at, if they offer one. Getting these cards are free, and they give you significant savings on everything in the store. For example, an 8 ounce steak could be $10 without the card and $5.00 with the card. I've seen this happen at my local store! All you have to do is fill out the card and turn it in!

3. Buy in bulk. Buying in bulk allows you to get more bang for your buck. Just try getting your staple pantry items in bulk, nothing else. Anything you know that you use every single week you can get in bulk and save money on in the long run.

2. Make the most out of what you have. A good way to do this is to create more out of what you have. For example, let's say you buy a pack of 4 boneless, skinless, chicken breasts. These are usually pretty pricey, so it comes in handy to make more of what you have. If you take on chicken breast and cut it in half long ways, you now have two breasts. Then, place the chicken breasts in a plastic bag and place a heavy pan on top of it to thin it out. That creates chicken cutlets. If you do this for the entire pack of 4, you now have 8 chicken cutlets that are just as filling as before you cut them in half.

1. Don't go the store hungry. This is really important. When you're hungry, you're more prone to impulse shopping and buying things that you really don't need, and causing your bill to be a lot higher than expected.

Overall, just pay attention to what you are buying. Try making a list of what you need and don't deviate from that. These simple tips should help you save at least a little bit of money when you shop.

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Loop 11 Usability Testing Tool Review

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Who will lend money to people with bad credit?

Many citizens with troubled credit wonder, "Who will lend money to people with bad credit?" The opportunities for locating legimate bad credit lending source may be much slimmer than traditional loans, but it is not impossible.

If you need to get a loan with bad credit, then you need to seek lenders who are specialist in this field, otherwise you’ll be turned down time and time again. Most mainstream lenders sources like banks usually cater to people with good to great credit. Attempting to get a loan through them when your credit is bad is a long shot to say the least. Maybe if you have a large amount of valuable collateral they might give you a chance, but the way banks are now, don’t get your hopes up too high.

It would be better to deal with private lending sources.

Private Bad Credit Lenders are lenders who will lend money to people with bad credit. They are generally small companies or individuals who deal in making loans to the poor credit market, i.e. the subprime market. Due to the risk factor of lending to people with bad credit, it is customary that these type loans will carry higher rates compared to ordinary loans. Yet and still, an advantage is that Private bad Credit Lending rates are oftentimes better and more reasonable compared to other lending sources. And due to the fact that these Private Lenders are fairly independent and not held back by strict corporate rules - they can usually approve your loan much faster and with less hassle.

You can try locating these lenders by searching online, through word-of-mouth, meeting with brokers, and even checking back with other lenders that have turned you down in the past. They may be able to guide you. Private Bad Credit Lenders are not the easiest people in the world to find, and they prefer it that way - which is one of the reasons they are referred to as 'Private' Lenders. You won't catch numerous commercials and ads from these lenders compared to those of traditional lenders. They are content in knowing that citizens who need their assistance the most will surely find them.

The great part is when you are successful in making a connection; you'll see that Private Bad Credit Lenders are not really concerned - or concerned in the least bit with your credit rating. They know that sometimes even the best meaning people can fall into the financial hot water -- and as a result badly damage their credit. For this very reason, these lenders have become Eagle-Eye Experts at viewing the complete picture. In other words: Unlike major financial operations, they focus on reasons to get you approved rather than shut you down.

When analyzing your request for a loan, your job situation and income are a few areas they'll look at, as well as additional income sources and assets that you may have. These important details can overshadow a bad credit rating in their book.

So with bad credit issues -- Don't waste time fooling around with conventional lenders. This will only make matters worse. They'll just look into your credit report, and inevitably have to tell you NO -- taking points away from your credit score with each series of inquiries. And that makes no sense at all now does it? It would be much smarter to target lenders who are specialist in lending money to people with bad credit. These lenders will be more helpful and more pleasant to work with you.

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