Confession of my New Year Resolutions

Question… have you already started to deviate from your New Year’s Resolutions? Save more money. Eat right. Exercise more. I have. Two days ago, while taking the time to make my vision board for the new year, I decided to try at these goals again. I think the problem with New Year’s Resolutions is that people set either too many goals or a couple of unrealistic goals. This is why after a couple of days, resolutions seem impossible. Throughout the year, I will share my game plan to accomplish some of my goals and resolutions for the year.

Check out some of my favs!

Start Putting Money Away for Emergencies

She Makes Cents

Since I’m being honest, I might as well go all in. Currently, my emergency fund looks like the sad little piggy pictured above. That’s right, even She Makes Cents, has to get her own finances together sometimes. I almost depleted my fund when… an emergency came up. I am so glad that I got myself into the habit of saving for the unexpected because life would have been so much harder without one.

Cook More, Eat Out Less

The Mr. and I love trying new restaurant spots; consequently, we have gotten in the habit of going to restaurants multiple times a week. Sometimes, I even eat out multiple times a day. While examining our finances, we both concluded that we can’t save if we are constantly spending on dinners out every night, plus tips for the servers, plus parking. Do you see how quickly it can add up? Not only are we spending too much, but it is counteractive to my bangin’ body goal.


Bangin’ Body 2012

I think this one is a little self-explanatory. I will just let these swimsuits be my inspiration. I say show it while you got it…so I have to get mine tight. Get it right, get it tight 2012!!!

She Makes Cents get abs

She Makes Cents


Reduce Impulse Shopping


See the World

She Makes Cents svae money
Stay tuned to see how these resolutions play out. First up in my 2012 Resolution Series will be “Stop Impulse Shopping” in which I will share my game plan to reduce and eventually quit impulse shopping all together. Until then, I’d love to hear what is on your list.

What’s on your list?

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inform and inspire ways to use your “cents” to live a fab life

High-Low: Starbucks Hack!

I think this will be me and Denia’s next project… pictures to follow.

This looks so awesome! Kerry from Squawk Fox provides a step by step that looks so delicious. Think is will taste as good as the original? For $.32, it is worth investigating from the She Makes Cents team. We will let you know how it turns out. In the meantime, check out the post here!!!

What do you think? Fab, right?

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inform and inspire ways to use your “cents” to live a fab life

5 Benefits of Thrifting

THE POWER OF THRIFTING

Thrifting is not only a great way to save money, but it also provides you with the opportunity to attain rare pieces that set your wardrobe apart from the next person. Aside from creative pieces, thrifting is comparable to diving in a fashion time machine, if you will. I say this because when thrifting, you get to see how trends have changed and how our clothing has not only evolved, but also repeated itself.

Thrifting is great for…

  1. Broke College Students (that would be me).
  2. Costume + Performance attire.
  3. Home Décor
  4. Passing the time without breaking the bank
  5. Gag Gift Shopping

TOP THREE trends I’m seeing in thrift shops now that are trendy even today!

  1. High-waist denim shorts
  2. Patterned Tops
  3. Boyfriend Blazers

A few TOP thrift shopping destinations in the greater Atlanta area:

  1. Rag-O-Rama
  2. Goodwill
  3. Psycho Sisters
  4. Plato’s Closet

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Follow Denia @deniamore

rubywooblog.com

denia@rubywooblog.com

Missoni for Target!

I checked out Target today and there was nothing left on the racks!

Did I mention that due to overwhelming activity, target.com is temporarily down? I guess I will have to reminisce on my older posts…

Missoni Designer Collaboration

It looks like Italian brand, Missoni, is the latest Designer Collaboration for Target. Designer Collaborations is an expansion of Target’s existing designer fashion program and each collection is available only for a limited time. This particular collaboration will only be available at select store between September 13th – October 22nd. . Designer Collaborations is a unique program that features well-established designers who draw inspiration from a collaborative partner, muse or creative element. It is a new and exciting way of delivering the latest styles to our contemporary female guests at the prices they expect from Target.

In the meantime, check some of my favs from the Missoni Brand:

Missoni Ad

Missoni Ad

Did I mention that Missoni has also tapped into knits for your home?

Missoni Pattern

Missoni

As I get more info, I will pass it along…

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4 Simple Ways to Save on Your Next Power Bill

Saving Money is a Breeze!

For the past few months, I have noticed a trend with my Georgia Power bill- It keeps going up! I’m not the only one experiencing this either. If you are looking for some ways to see a difference and keep your wallet a little fatter, check out some suggestions for simple ways to save your cents. ENERGY STAR estimates that a knowledgeable homeowner or skilled contractor can save up to 20% on heating and cooling costs (or up to 10% on their total annual energy bill) by sealing and insulating.

Air Sealing


Many air leaks and drafts – like those around windows and doors – are easy to find because they are easy to feel. But holes hidden in attics, basements, and crawlspaces are usually bigger problems. Sealing these leaks with caulk, spray foam, or weather stripping will have a great impact on improving your comfort and reducing utility bills.

Programmable Thermostat


Did You Know?

The average household spends more than $2,200 a year on energy bills – nearly half of which goes to heating and cooling. Homeowners can save about $180 a year by properly setting their programmable thermostats and maintaining those settings. When I first bought my house, I made sure that I had a programmable thermostat. However, I later found out that I was not optimizing my saving because of that temperatures I programmed the thermostat to, actually caused it to work harder. Thus, I was not saving $$$ 😕

Proper Use Guidelines for Programmable Thermostats (from Energy Star)

Through proper use of a programmable thermostat (using the four pre-programmed settings) you can save about $180* every year in energy costs.

Rules of Thumb for Proper Use:

  1. Keep the temperature set at its energy savings set-points for long periods of time (at least eight hours), for example, during the day, when no one is at home, and through the night, after bedtime.
  2. All thermostats let you temporarily make an area warmer or cooler, without erasing the pre-set programming. This override is cancelled automatically at the next program period. You use more energy (and end up paying more on energy bills) if you consistently “hold” or over-ride the pre-programmed settings.
  3. Units typically have two types of hold features: (a) hold/permanent/vacation; (b) temporary. Avoid using the hold/permanent/vacation feature to manage day to day temperature settings. “Hold” or “vacation” features are best when you’re planning to be away for an extended period. Set this feature at a constant, efficient temperature (i.e. several degrees warmer temperature in summer, several degrees cooler during winter), when going away for the weekend or on vacation. You’ll waste energy and money if you leave the “hold” feature at the comfort setting while you’re away.
  4. Cranking your unit up to 90 degrees or down to 40 degrees, for example, will not heat or cool your house any faster. Most thermostats begin to heat or cool at a set time, to reach setpoint temperatures sometime thereafter. Units with adaptive (smart/intelligent) recovery features are an exception to this rule — Adaptive recovery units are constantly calculating the amount of time required to heat or cool the house, so that it reaches that temperature when the homeowner programmed it. By “examining” the performance of the past few days the thermostat can keep track of the seasons. In this way, your house is always at the comfort levels when occupied, but saving the most energy when unoccupied.
  5. Many homes use just one thermostat to control the whole house. If your home has multiple heating or cooling zones, you’ll need a programmed setback thermostat for each zone to maximize comfort, convenience and energy savings throughout the house.
  6. If your programmable thermostat runs on batteries, don’t forget to change the batteries each year. Some units will indicate when batteries must be changed.

*The $180 savings assumes a typical, single-family home with a 10 hour daytime setback of 8° F in winter and setup of 7° F in summer, and an 8 hour nighttime setback of 8° F in winter and a setup of 4° F in summer.

Lighting


Change to compact florescent light bulbs. They provide bright warm light while using 75% less energy than standard lighting – they also generate 75% less heat and last up to 10 times longer. Replacing a 100-watt incandescent bulb with a 23-watt compact fluorescent bulb can save you up to $30 in energy costs over the life of the bulb. Learn more about ENERGY STAR lighting products.

Power Strips


Use a power strip as a central “turn off” point when you are done using equipment. Even when turned off, electronic and IT equipment often use a small amount of electricity. U.S. households spend approximately $100 per year to power devices while they are in a low power mode, roughly 8 percent of household electricity costs. Using a power strip for your computer and all peripheral equipment allows you to completely disconnect the power supply from the power source, eliminating standby power consumption.

I was watching The View not too long ago, and they had a surge protector that had a timer on it. The timer turns the outlet off after a pre-selected time. According to the show, charging your cell phone and other electronic devices overnight kills the battery. The power strip with the timer will not only save you on energy cost, but will also lengthen the life of your electronic devices.

Want More Ways to Save, Check out these tips from ENERGY STAR


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Missoni for Target!

This is a sneak peek so…this is all the information I have.

Missoni Designer Collaboration

It looks like Italian brand, Missoni, is the latest Designer Collaboration for Target. Designer Collaborations is an expansion of Target’s existing designer fashion program and each collection is available only for a limited time. This particular collaboration will only be available at select store between September 12th – October 22nd. . Designer Collaborations is a unique program that features well-established designers who draw inspiration from a collaborative partner, muse or creative element. It is a new and exciting way of delivering the latest styles to our contemporary female guests at the prices they expect from Target.

In the meantime, check some of my favs from the Missoni Brand:

Missoni Ad

Missoni Ad

Did I mention that Missoni has also tapped into knits for your home?

Missoni Pattern

Missoni

As I get more info, I will pass it along…

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Email SMC: shemakescents@gmail.com

How to Get FREE Stuff on Your Birthday


Today is August 1st and my birthday is in 10 days!!! In honor of my birthday and all of the August birthdays out there, I am in the process of creating a list of places that give birthday freebies. I was inspired to do this after reading an article about a 35 year old man by the name of Matthew Geniesse who redeemed about $300 in birthday freebies. Basically, all you have to do is sign up (via email) to these places and they send you stuff in the mail and your email. Every year I get something from Loehmanns, Victoria Secret, DSW, Bath & Body Works, and now I have added Benihana to the list because I signed up for their “Chef’s Table Email List” and they sent me a $30 gift certificate to use for my entire b-day month!

Today I signed up for Swagbucks, because I hear you get 50 extra swagbucks for your birthday. I will let you know at the end of the month how everything actually turns out.

Donna Freidman, a freelance writer for Smart Spending blog and Surviving and Thriving complied the list below.

Tips from the pros

There’s an art to grabbing gratis goodies. Keep these strategies in mind:

  • Set up a dedicated email account for birthday swag. Even if a business promises not to sell your info to marketers, it will likely send regular messages about sales and promotions.
  • Sign up for multiple offers, then s-t-r-e-t-c-h that celebration by dining or going out for dessert out as many times as you can in your birthday month. It helps to have friends who don’t mind being the buy-one half of the BOGO offers.
  • Call to make sure the local store accepts an offer (some franchisees opt out of national promotions).
  • Bring your ID and a printout of the offer, and tell the server ahead of time, not after the check has arrived.
  • When dining out, base your tip on what you would have paid, not what you actually paid.
  • Once your child ages out of the kiddie offers, sign him or her up for the appropriate grownup ones.
  • If it’s a “no purchase required” offer, such as a free bath product, don’t feel obligated to buy something. Just say “thank you” and go.

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From the “Love is FREE” Series

5 Lessons About the Way We Treat People

I normally don’t post on weekends. Generally, I spend that time relaxing, spending time with people that I care about, and finding inspiration from other bloggers in the blogosphere. However, this was sent to me and I loved it! It is a great reminder of some things we may sometimes forget. I enjoyed reading these stories and I hope you enjoy them too!

First Important Lesson – Cleaning Lady

During my second month of college, our professor gave us a pop quiz. I was a conscientious student and had breezed through the questions until I read the last one: “What is the first name of the woman who cleans the school?” Surely, this was some kind of joke. I had seen the cleaning woman several times. She was tall, dark-haired and in her 50’s, but how would I know her name?
I handed in my paper, leaving the last question blank. Just before class ended, one student asked if the last question would count toward our quiz grade. “Absolutely,” said the professor. “In your careers, you will meet many people. All are significant. They deserve your attention and care, even if all you do is smile and say “hello.” I’ve never forgotten that lesson. I also learned her name was Dorothy.

Second Important Lesson – Pickup in the Rain

One night, at 11:30 p.m., an older African American woman was standing on the side of an Alabama highway trying to endure a lashing rainstorm. Her car had broken down and she desperately needed a ride. Soaking wet, she decided to flag down the next car. A young white man stopped to help her, generally unheard of in those conflict-filled 1960’s. The man took her to safety, helped her get assistance and put her into a taxicab. She seemed to be in a big hurry, but wrote down his address and thanked him. Seven days went by and a knock came on the man’s door. To his surprise, a giant console color TV was delivered to his home. A special note was attached. It read:

“Thank you so much for assisting me on the highway the other night. The rain drenched not only my clothes, but also my spirits. Then you came along. Because of you, I was able to make it to my dying husband’s’ bedside just before he passed away…. God bless you for helping me and unselfishly serving others.”

Sincerely,

Mrs. Nat King Cole.

Third Important Lesson – Always remember those who serve

In the days when an ice cream sundae cost much less, a 10-year-old boy entered a hotel coffee shop and sat at a table. A waitress put a glass of water in front of him. “How much is an ice cream sundae?” he asked. “Fifty cents,” replied the waitress. The little boy pulled his hand out of his pocket and studied the coins in it. “Well, how much is a plain dish of ice cream?” he inquired. By now, more people were waiting for a table and the waitress was growing impatient. “Thirty-five cents,” she brusquely replied. The little boy again counted his coins. “I’ll have the plain ice cream,” he said. The waitress brought the ice cream, put the bill on the table and walked away. The boy finished the ice cream, paid the cashier and left… When the waitress came back, she began to cry as she wiped down the table. There, placed neatly beside the empty dish, were two nickels and five pennies…You see, he couldn’t have the sundae, because he had to have enough le ft to leave her a tip.

Fourth Important Lesson – The Obstacles in Our Path

In ancient times, a King had a boulder placed on a roadway. Then he hid himself and watched to see if anyone would remove the huge rock. Some of the King’s’ wealthiest merchants and courtiers came by and simply walked around it. Many loudly blamed the King for not keeping the roads clear, but none did anything about getting the stone out of the way. Then a peasant came along carrying a load of vegetables. Upon approaching the boulder, the peasant laid down his burden and tried to move the stone to the side of the road. After much pushing and straining, he finally succeeded. After the peasant picked up his load of vegetables, he noticed a purse lying in the road where the boulder had been. The purse contained many gold coins and a note from the King indicating that the gold was for the person who removed the boulder from the roadway. The peasant learned what many of us never understand! Every obstacle presents an opportunity to improve our condition.

Fifth Important Lesson – Giving When it Counts…

Many years ago, when I worked as a volunteer at a hospital, I got to know a little girl named Liz who was suffering from a rare & serious disease. Her only chance of recovery appeared to be a blood transfusion from her 5-year old brother, who had miraculously survived the same disease and had developed the antibodies needed to combat the illness. The doctor explained the situation to her little brother, and asked the little boy if he would be willing to give his blood to his sister. I saw him hesitate for only a moment before taking a deep breath and saying, “Yes I’ll do it if it will save her.” As the transfusion progressed, he lay in bed next to his sister and smiled, as we all did, seeing the color returning to her cheek. Then his face grew pale and his smile faded. He looked up at the doctor and asked with a trembling voice, “Will I start to die right away”. Being young, the little boy had misunderstood the doctor; he thought he was going to have to give his sister all of his blood in order to save her.

Sharing is Caring!

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5 Ways to Make Outlet Shopping More Enjoyable

On Tuesday, I took a trip to the North Georgia premium outlets with visiting family from out of time. My intention was to enjoy girl time with my cousin and Aunts and not to blow my budget.  Maybe a shirt or two, at most.  Certainly, I didn’t anticipate the goodies I would walk away with. Good thing, I knew a few ways to save even more when outlet shopping. Here are some of my tricks.

Bring cash

Bringing cash reduces my chances of overspending. Unlike a card, you can physically see your cash stack dwindle down with every purchase you make.  When people make purchases with cash, they take longer to ponder the value of what they are buying as opposed to mindless shopping.

Begin at Customer ServiceCustomer Service

Customer Service is not only full of pamphlets and maps, but also information regarding sales and special offers. Go here first and pick up a booklet. It should include a list of all of the stores and coupons/special savings to particular stores. I saw a coupon for $15 off, unfortunately it was for a clothing store that I don’t shop.

Don’t Spend All of Your Money in the First StoreShopping

Remember the girl from Confessions of a Shopaholic? She spent ALL of her money on shopping and did not take care of her financial responsibilities. Don’t be like her!! True Story- Once we got to the outlets, my little cousin wanted to stop in a teen clothing store. She was picking up items and I told her, “Don’t spend it all here. Now that we know what they have and what you like, let’s see if any other stores have anything better or for less. If not, and you remember that shirt after we have hit up the other stores, we will come back”.

Use your time wisely

While shopping, one of my aunts pulled out a map of the outlet and highlighted all of the stores she was interested in visiting. The outlet was set up in color-coded zones and paralleled the map provided at customer service. She then wrote down each color section that had stores that we were planning on visiting and then wrote down how many stores were in each color zone. The whole process took about two minutes but it saved so much time in the end. I find that people are extremely excited when they get to the outlets and quickly become overwhelmed and exhausted. This way, you can ensure that you hit the stores you absolutely love and you don’t waste your time randomly looking in other places.

Only buy what you love

Don’t waste money on things you like when you can buy things you love. Often times, I have found myself spending MORE money just because it was a good deal. A good example of this would be the red Jessica Simpson pumps I bought for football season. First of all, I had NOT intended on buying anything. Secondly, I went into a store that was not on the list; although, I am super pleased that I did. Thirdly, I found myself searching for another pair of shoes just because the sales associate kindly mentioned that I could save 50% if I bought another pair for equal or less value. I spent about 5 minutes searching for another pair when it hit me, why would I spend extra money for something that is not in my budget and that I don’t love? Just because it is a good deal does not mean that it is the best deal for you!

What’s Your Go To Shopping Tip?

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