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How to save some money…everyday

Money

Update 2018-APS will be rolling out their new plans this year, and by May 2018, you will need to make a choice or they will enroll you in what they feel is the best plan for you!

Saver Choice

saver choice plan details


basic service charge

 

$0.427 day / $13 month
summer
may-october
winter
november-april

​on-peak

energy charge

 


$0.24314 per kWh

$0.23068 per kWh

off-peak

energy charge


$0.10873 per kWh
​$0.10873 per kWh
super off-peak
energy charge

 

​​
​ ̶
​​
$0.03200 per kWh
grid access charge for solar customers – $.93 per kW-dc of generation​​​

 

 

Saver Choice Plus

This plan allows you to take savings into your own hands. This plan is best if you shift more of
your energy use to off-peak hours and stagger the use of major appliances during on-peak hours.

 

saver choice plus plan details
 
basic service charge
 
$0.427 day / $13 month
summer
may-october
winter
november-april
 
​on-peak
hour usage
(demand) charge
 
​$8.40 per kW
​$8.40 per kW
 
on-peak
energy charge
$0.13160 per kWh
​$0.11017 per kWh
off-peak
energy charge
 
$0.07798 per kWh

​​

​$0.07798 per kWh

 

Saver Choice Max

This plan lets you take your savings to the max. It is best if you shift more of your energy use to off-peak hours and must be able to stagger the use of major appliances during on-peak hours.
saver choice max plan details

basic service charge

$0.427 day / $13 month
summer
may-october
winter
november-april

​on-peak
hour usage
(demand) charge

$17.438 per kW
​$12.239 per kW

on-peak
energy charge
$0.08683 per kWh
$0.06376 per kWh
off-peak
energy charge

$0.05230 per kWh

​​

$0.05230 per kWh

Lite Choice

This plan is best for customers with minimal energy use (600 kWh a month or less).

 

Premier Choice

This plan is best for customers with moderate energy use (601 – 999 kWh a month).

Premier Choice Large

This plan is best for customers with higher​ energy use (over 1,000 kWh a month)

 

See more at APS.com

Energy

  • Have you compared energy plans lately? A lot of us stay at home with our kids.But, did you know that there is a “Super Peak” time? I didn’t either until I looked at the APS website.
  • You can use “energy use Calculator” to figure out what each appliance uses. It is an estimate, but pretty eye opening

 

Wants versus Needs

  • How much TV do you really watch? My husband really wanted to watch sports, and I really wanted HGTV. And then, after a few years of having children and not really watching any tv and paying 130.00 plus a month for TV we didn’t watch, we resolved to get rid of the expensive cable. Instead, we use Netflix for our TV. There’s also Hoopla, which is linked to your library card and is totally free. As long as you have hi speed internet access, you can access Hoopla. You can also stream from Netflix, Hulu, Amazon, and Google Fire. Monthly prices are about $15. You can even subscribe to HBO and a few other premium cable stations. Sports networks are also coming out of the cable box network as well, so look for that in the next few years.
  • Books! You can “Borrow” titles online. Through the library or even project Gutenberg. There are also many different options available to military families. If you have a family readiness group, they should be able to lead you to some sources. I even had books sent to me via mail when my husband was deployed. Check out Hoopladigital.com for music and movies or Overdrive.com
  • New furniture-There are so many swap sites, second hand stores and estate sales in our area it’s almost a crime to buy certain furniture brand new. We got a used dining room set for $180 from an estate sale. I even bartered down a few dollars!
  • Coffee and drive thru food. One of my favorite “getaways” with my kids, but it is such an easily avoidable expense that adds up quickly!
    • If you and your spouse both get coffees (4.00 each, you need super large and probably a donut too) 1x a day for 5 days, 52 weeks of the year it will cost you-$2,080….
    • If you go to McDonald’s once a week and it costs you about $25.00 for your family (that’s what it costs when we go, so I’m estimating) it will cost you -1,300.
  • Going places
    • I love doing new things with my kids and husband. That includes going to visit zoos, parks, different indoor amusement..etc. But, When we go somewhere, I look towards Groupon, Living Social, Pogo Pass (use code “AZMOM” for the best price) or to see if there is a coupon on the businesses websites. I also check out the locations website to see if they have any days that are a special discount (or even free!)
  • Using your talents to make money or save money
    • I make my dog’s bedding for her. I buy cheap material at Walmart (whatever is in the scrap bin) and buy some stuffing. I save about 40-50 per bed that I have made her. It costs me under $10 to make a bed, and takes about 30 minutes.
    • Barter for what you need. Does a friend of yours love to bake but needs some time off from the kids? Offer to watch her children and ask for a cake in exchange!

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  • Clothing, especially children’s- I rarely buy any of this new. There are so many different second hand stores that have great kids clothing around here-Other Mother’sOnce Upon a Child, Kid to Kid, and Goodwill. There are also traveling consignment sales like Sweet Pea Kids Consignment (they have a sale in the fall and spring right here in Surprise!) I have also bought clothes from people on FB groups, and did really well.
      • Fry’s has a very small kids section in their Cotton /Greenway and Waddell/Litchfield stores, and a lot of times they have super clearance specials. I know that clothes aren’t going to last a super long time, but if I can get a year or two (even if I can’t trade it in at once upon a child), I can still pass it on.
      • “Network” with other moms in your neighborhood and try and set up a swap,
      • Other Mother’s has a $0.25 per item sale on items they didn’t take but were left every Saturday from 8am-1pm
  • The hardest thing is saying no. I’m a people pleaser and I never want to tell people “No I can’t” or “I wish I could do it but…” I bought things and went places that I could not afford for a long time because I couldn’t say no. My mom always told me “You just have to say no sometimes” and its very true. Rather than regretting a financial decision, opt for a more fiscally prudent option. Your friends want to go out to grab a bite for girls night? Find a middle ground or just opt out. Maybe just go out for desserts instead of a full meal. I once read an article where I guy was so frugal he would go out with his friends but eat before hand and just order water. That’s a bit awkward and I wouldn’t recommend that
  • Have a conversation with your spouse and/or kids about money. And don’t just have the conversation once. Continue to have the conversation. Ask your spouse before you purchase something! My husband and I have made it a mission to ask each other before we spend a significant amount (about $50) on anything but food (groceries) or gas. If I’m embarrassed to tell my husband what I want to buy, I probably don’t need it.
  • Diminish the Media Presence in your home. Magazines are chock full of advertisements for things. “Oprah’s Must Haves/Favorites”…”What we are loving this month”. TV, radio, facebook can all be reminders of what we don’t have, instead of being thankful for what we do have. Listen to Pandora Radio (Which has limited commercials), tap into Netflix/library movies, etc.
    • Have an email address just for “coupons” so that you don’t see it all the time and are tempted to buy. Have the coupons/sales promotions available when you need something. Also look up promo codes for your online retailer before ordering.
  • Be generous. Yes, I’m actually saying be generous. Do you have things that someone else can use, but you can’t really sell it for anything? Donate to Goodwill/Savers/Salvation Army and keep track of your donations for Tax credits

Laundry

  • Use cold water to wash clothes
  • Add Borax to help clean clothes and take out the smell, you can also make your own detergent through Borax http://wellnessmama.com/462/homemade-laundry-detergent/
  • Look at energy guidelines above to wash at energy efficient times
  • Don’t wash towels and jeans with every wear or use.
  • You don’t need to completely fill the cap of detergent to the max for each load. A little goes a long way, which is big savings
  • Use cold water to wash items

 groceries

Groceries

  • Buy generic. Even with coupons on the name brand stuff, you will time and time save money on generics. For instance-Pillsbury Crescent rolls often have coupons for if you buy three you save .75. ok. Each costs 2.29, but I have to buy three.
    • 29×3=6.87.
    • 87-.75=6.12
    • If I bought the store brand at about 1.79, and actually needed three it would be 5.37. But, I often didn’t need three and it would expire, making me 2.04 in the hole!
  • Buy seasonally. Don’t buy watermelon, grapes and strawberries in the winter. Or, buy some and freeze them in the summer. OR buy frozen-less likely to spoil, just as nutritious and cheaper
  • Shop the circulars. Get the meat that is on sale and freeze it. Your freezer is your best friend. Use the Fry’s App or Albertson’s app to save more. Fry’s sends coupons to you based on what you buy often or what they want you to try.
  • Don’t overbuy, and make sure you check your pantry often to see what staples you have that you forgot about!
  • Don’t buy prepackaged snacks (like pretzels/goldfish/yogurts). Buy a large size and get either reusable containers or plastic snack bags. It’s SO much cheaper!
  • Use apps like Ibotta to get money back by scanning items and your receipt after you have shopped. Ibotta works better if you are on a team-the more team members, the more they scan, the more your whole group earns (You can join my team here!) Checkout 51 are similar programs and even have generic/store brand items featured occasionally
  • Purchase a big container of snacks but not individually/snack sized proportioned. Buy some plastic baggies and make snack sized portions yourself.

Ways to make a little side money online

  • mysurvey.com –take surveys for points for which you can exchange for giftcards to retailers like Kohls. It’s free to join and you get sent emails to do the surveys. You can do it when you have time, and there’s no pressure to do them all. There are also product testing. I have tested shampoos, diapers, wipes, all for free
  • opinionoutpost.com –very much like mysurvey.com. Free to join and you can exchange for gift cards
  • erewards.com-like the above mysurvey and opinion outpost
  • Surveyspot.com-looks very familiar to opinionoutpost and works similiarly!
  • http://www.lionbridge.com/careers/ -one of my friends does this. She checks out websites and “accesses them”. You must have a bachelor’s degree, and must take a test (and study) before making any money. If you are interested, I can send you more information that my friend sent to me.
  • houseparty.com-you can “host” a party or just get to try out services or products for free. There’s an application process for each “party”.
  • Harris Poll Online– survey site

 

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2 Comments

  1. lisa on June 9, 2016 at 6:58 am

    Great information! I learned a few new things.

    • Vicki on June 9, 2016 at 12:23 pm

      Thanks Lisa!!

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