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Woman Hand Pushing Button Smartphone

Apps That Help You Save While You Shop

Woman Hand Pushing Button Smartphone

Is the age-old tradition of coupon clipping still part of our weekly routine? Put down the scissors and walk away from the weekly store ads cause there is a better way to save. Stop the tedious searching for coupons and promo codes and download apps that find the deals for you. Not only will you save time but you will also find deals you might not have even realize existed. Here are some of the best apps to start using while shopping.

1. Jet

With the goal to build a better shopping experience for their customers, you can save tons by using the Jet app. With their real-time savings engine, the prices drop as you shop. You can get everything from toilet paper to bed sheets on Jet and the more items you add to your cart that have a tag symbol beside them, the lower the price will drop for each item. So buying in bulk for items like toilet paper, toothpaste and granola bars will save you more. The price per item also drops when you opt out for free returns, and pay with a debit card instead of a credit card.

2. Retail Me Not

Score deals at your favorite stores and restaurants with the award-winning app that makes it easy to save with thousands of deals from over 50,000 retailers. The app syncs with your map to notify you of the best deals near you. Whether you’re on vacation in a new city or just driving through your neighborhood, the app will alert you when a deal is near.

3. Shop Advisor

The Shop Advisor app does just what its name suggests, it advises you when the price is just right to purchase. You simply create a list of items you are interested in purchasing and the system watches that item and alerts you when the price drops the lowest online.

4. PriceGrabber

This app scans the prices on all sites that carry a specific item you’re shopping for and gives a full comparison report. The app gives you the bottom-line price, taking into consideration the shipping cost for an item. You can also simply scan a bar code of a product to get a quick, real-time view of where to purchase an item at the cheapest price.

5. Wallaby

If you take advantage of reward programs on credit cards, then you can double your rewards with the Wallaby app. When shopping for items online, the Wallaby system will scan your shopping cart and compare them with your credit card reward programs and tell you which card to use for what items, getting you the highest reward points possible. You can also set up notifications for when you’re getting close to your credit limit or when it’s time to pay a bill.

Local Farmers Market

How to Save Money at the Farmers Market

Local Farmers Market

So there is a myth about shopping at farmers markets that we would like to bust. Produce at your local farmers market has gained the title of “expensive “when compared to produce at a chain grocery store, and we definitely do not think this is always the case. Along with being good for the local economy, organic, fresher, and better tasting, local produce can also beat out the price of grocery store produce. You just have to know how to shop. To guide you on your next adventure to the local farmers market, here are some tips to follow to save some money.

Go for less than perfect

Let’s get real. Do your apples really need to be the exact shade of red and shaped to perfection? Well for a lot of people, yes they do, but you’re a savvy shopper and your spending habits aren’t affected by fruit vanity. Because the not so pretty items don’t sell as well, a lot of times they are actually discounted in price. And even if the seller isn’t advertising the items are discounted, just ask. Give a concerned look at that deformed peach and simple say, “Is this one full price?”

Don’t make a list

Yes, in most cases making a list when grocery shopping is a must if you’re trying to save, and especially if you’re on a tight budget until the next payday. If you make a list when going to the farmers market, however, then you might not be as cognizant of the lesser expensive items. Instead of going in with a list of specific items, try showing up open minded without any ideas of what fruits and vegetables you need. Plan out meals based on cheaper produce once you are there and can see your options.

Timing is everything

So it’s pouring the rain outside. Pull up your rain boots, grab an umbrella, and head out to the market to score some deals. Supply and demand drive prices in the sense that if there are less people in attendance, then there is less likely of a chance that farmers will be able to sell all items easily. Going to a market when the crowds are low will give you more options with more say so on prices. Going 30 minutes before the market closes is also a good time to get leftovers that vendors will be trying to get rid of by selling cheaper.

Buy in season

A bowl of cherries in the dead of winter may be exactly what you want, but when it comes to budget friendly eating, it’s probably not the best idea. The beauty of a farmers market is that cherries will not even be an option in the middle of January.   Shopping locally will in-fact force you to buy what is in season, and those fruits and vegetables dramatically decrease in price.

Negotiate

It’s a market, not a grocery store. Don’t hesitate to do a little haggling. Remember that produce has an expiration date and these farmers want to get rid of their crops. Try to build a relationship with the regular farmers and show you’re a loyal customer. Chances are they just might cut you a deal on items if you get in good enough.

Spring Shopping- Dress Color Combinations

How to Get a New Spring Wardrobe on a Budget

Spring Shopping- Dress Color Combinations

It’s officially Spring and time to put away those sweaters and heavy coats. If you are in desperate need of a new wardrobe for spring but short on funds, then we’ve got some tips on how to score some new threads without breaking the bank.

Don’t Overspend on Basics

A good rule of thumb when shopping for an outfit is to not spend a ton on basic items like plain khaki shorts and solid T-shirts. These items can be paired with more eye-catching accessories and layers so it’s not necessary to overspend on the simpler part of your outfit. Some good places to get these items for cheap are Old navy, H&M, and even Walmart.

Take Advantage of Second Hand Stores

Give someone else’s clothes they no longer want another go around. Second hand clothes are nothing to be afraid of and a great way to save money! One of the best places to find steals on clothes is Plato’s Closet. Plato’s will also buy your old clothes you no longer want and give you cash on the spot or allow you to trade in for credit. Another good source to sell or buy used clothing is Poshmark. You can find anything from gym shoes to dresses on Poshmark and a lot of the items are higher end brands that are super cheap.

Purchase Versatile Items

It happens to the best of us while shopping. There is an item that catches your eye that you have to have. A show stopper piece that will make heads turn. Before you make that impulsive purchase, think of how many times and ways you can actually wear this item. It’s always smart to purchase clothing items that you can create multiple different outfits with. With Versatile clothing, you will get a lot more bang for your buck.

Repurpose Old Outfits

This will probably be more beneficial for the ladies, but guys can take a stab at it too. If you have pieces of clothing that just don’t fit or suit you anymore, you can get some scissors and needle and thread and refashion them! Turn old jeans into shorts, long-waisted, short-sleeved shirts into a dress, or a long maxi dress into a mini dress. There are tons of ideas for repurposing old clothes on sites like Pintrest that will give you a step by step guide.

Stock up for next Spring

Once the Spring season is over, hit up all the clearance racks and end of season sales to stock up for next year. You will get spring clothes for around 50%-75% off the original price. When doing this, just make sure to buy items that will not be out of style come

Christmas Tree

7 Smart Ways to X-mas Shop

tree2

Ready or not Christmas is almost here. Though it is a time of giving and spending time with loved ones, it also can add some major stress in your life, especially if your bank account isn’t ready to be hit with Christmas expenses. To aid you in your gift purchases this year we have comprised a list of easy tips to help you save some money and not completely drain your bank account.

And if you still run short of cash we offer a Flex loan that gives you a flexible line of credit up to $4,000. Click here to apply – http://bit.ly/2gDqckk

 affordable

If you have a large list of people to buy for and a small amount of disposable income, then you might want to keep it simple when it comes to gifts. The season of giving doesn’t have stipulations on how lavish a gift you give should be. When it comes to co-workers, distant relatives, or that neighbor you feel obligated to give just a little something to, simple and cheap items like a coffee cup with a mixture of candy in it will work fine. It’s the thought that counts anyway.

shipping

With the influx of online sales during the holidays, many online retailers will offer free shipping for the holidays on specific dates. Research what retailers are offering free shipping for holiday orders and try to shop at only these places to save some extra cash.

retail

There are multiple retail stores like Ross and TJ Maxx that offer substantially discounted designer items that are leftover inventory. You can get everything from designer handbags and perfumes to name brand electric razors for a lot less than what they were originally sold for.

list

Getting organized on who you are going to be buying for is a must in order to even attempt to save money this Christmas. Once you create your list, categorize the gift level. For example, Karen from accounting will be getting a coffee mug with candy, so she’s a level 3, your brother that usually gets a $25 gift card to Apple Bee’s is a level 2, and your spouse who you know wants an $80 FitBit is a level 1. This helps when making your budget on how much to spend per level of gift.

budget

Once you have a list of people you know you are going to be buying gifts for and the gift levels they are, come up with an actual number you can afford to spend. Try your hardest to stay within budget even if that means some of the level 1s gets bumped down to a level 2.

regift

That pajama set from your aunt last year that you never even opened looks like it would fit your sister’s new boyfriend perfectly, just make sure your aunt isn’t around when you give it to him as a gift. Its bound to happen that you’re going to receive gifts that you really don’t need or want, so hold on to them for next year. As long as the gift giver doesn’t find out, what’s that harm. When it comes to your budget that’s one less person to actually buy for.

pricecheck

There will be tons of sale advertisements for percentages off and buy one get one, but make sure you are still getting the best deal. When it comes to online shopping it may take an extra minute to price check an item on another retail site. Even if it’s just a dollar cheaper, getting the best deal for all the gifts you purchase will add up when it comes to saving money.

New Way Of Shopping

Apps That Help You Save While You Shop

New Way Of Shopping

Is the age-old tradition of coupon clipping still part of our weekly routine? Put down the scissors and walk away from the weekly store ads cause there is a better way to save. Stop the tedious searching for coupons and promo codes and download apps that find the deals for you. Not only will you save time but you will also find deals you might not have even realize existed. Here are some of the best apps to start using while shopping.

1. Jet

With the goal to build a better shopping experience for their customers, you can save tons by using the Jet app. With their real-time savings engine, the prices drop as you shop. You can get everything from toilet paper to bed sheets on Jet and the more items you add to your cart that have a tag symbol beside them, the lower the price will drop for each item. So buying in bulk for items like toilet paper, toothpaste and granola bars will save you more. The price per item also drops when you opt out for free returns, and pay with a debit card instead of a credit card.

2. Retail Me Not

Score deals at your favorite stores and restaurants with the award-winning app that makes it easy to save with thousands of deals from over 50,000 retailers. The app syncs with your map to notify you of the best deals near you. Whether you’re on vacation in a new city or just driving through your neighborhood, the app will alert you when a deal is near.

3. Shop Advisor

The Shop Advisor app does just what its name suggests, it advises you when the price is just right to purchase. You simply create a list of items you are interested in purchasing and the system watches that item and alerts you when the price drops the lowest online.

4. PriceGrabber

This app scans the prices on all sites that carry a specific item you’re shopping for and gives a full comparison report. The app gives you the bottom-line price, taking into consideration the shipping cost for an item. You can also simply scan a bar code of a product to get a quick, real-time view of where to purchase an item at the cheapest price.

5. Wallaby

If you take advantage of reward programs on credit cards, then you can double your rewards with the Wallaby app. When shopping for items online, the Wallaby system will scan your shopping cart and compare them with your credit card reward programs and tell you which card to use for what items, getting you the highest reward points possible. You can also set up notifications for when you’re getting close to your credit limit or when it’s time to pay a bill.

Ann Arbor Farmers Market

How to Save Money at the Farmers Market

Ann Arbor Farmers Market

So there is a myth about shopping at farmers markets that we would like to bust. Produce at your local farmers market has gained the title of “expensive “when compared to produce at a chain grocery store, and we definitely do not think this is always the case. Along with being good for the local economy, organic, fresher, and better tasting, local produce can also beat out the price of grocery store produce. You just have to know how to shop. To guide you on your next adventure to the local farmers market, here are some tips to follow to save some money.

Go for less than perfect

Let’s get real. Do your apples really need to be the exact shade of red and shaped to perfection? Well for a lot of people, yes they do, but you’re a savvy shopper and your spending habits aren’t affected by fruit vanity. Because the not so pretty items don’t sell as well, a lot of times they are actually discounted in price. And even if the seller isn’t advertising the items are discounted, just ask. Give a concerned look at that deformed peach and simple say, “Is this one full price?”

Don’t make a list

Yes, in most cases making a list when grocery shopping is a must if you’re trying to save, and especially if you’re on a tight budget until the next payday. If you make a list when going to the farmers market, however, then you might not be as cognizant of the lesser expensive items. Instead of going in with a list of specific items, try showing up open minded without any ideas of what fruits and vegetables you need. Plan out meals based on cheaper produce once you are there and can see your options.

Timing is everything

So it’s pouring the rain outside. Pull up your rain boots, grab an umbrella, and head out to the market to score some deals. Supply and demand drive prices in the sense that if there are less people in attendance, then there is less likely of a chance that farmers will be able to sell all items easily. Going to a market when the crowds are low will give you more options with more say so on prices. Going 30 minutes before the market closes is also a good time to get leftovers that vendors will be trying to get rid of by selling cheaper.

Buy in season

A bowl of cherries in the dead of winter may be exactly what you want, but when it comes to budget friendly eating, it’s probably not the best idea. The beauty of a farmers market is that cherries will not even be an option in the middle of January.   Shopping locally will in-fact force you to buy what is in season, and those fruits and vegetables dramatically decrease in price.

Negotiate

It’s a market, not a grocery store. Don’t hesitate to do a little haggling. Remember that produce has an expiration date and these farmers want to get rid of their crops. Try to build a relationship with the regular farmers and show you’re a loyal customer. Chances are they just might cut you a deal on items if you get in good enough.

Food Truck- Burger

Best Mom and Pop Businesses in TN

CoverMOMANDPOP

As a family owned and operated company, we at Advance Financial understand the importance of supporting and giving back to communities you live and work in. There are tons of great places to support local businesses here in the state of TN and we have created a list of some of our favorites. Building a strong community starts with supporting local businesses, so get out and buy local.

Cootie Browns- Johnson City

Just might be the best sandwich place in JC and the cool and colorful atmosphere of the restaurant is definitely something to experience.

Cootie_Yelp

Image Credit – Yelp

Mize Farm and Garden Supply – Johnson City

Family owned and operated, the employees here ensure that your shopping experience will be great with their knowledge of agriculture/gardening.

MIz_dexnows

Image Credit – DexKnows

OverMountain Outdoors – Johnson City

This place is owned locally and stocked full of all the necessities for spending time in the great outdoors.

OverMnt

Image Credit –Johsoncitypress

Bea’s Restaurant – Chattanooga

Great all-you-can-eat style southern restaurant with some of the best fried chicken around.

Beas_yelp

Image Credit – Yelp

Moon Pie General Store – Chattanooga

You’ll definitely be able to find just about every flavor of Moon Pies that exists at this place, as well as old timey candy and other great souvenirs.

MoonPie_yelp

Image Credit – Yelp

All Things Groovy – Chattanooga

All Things Groovy is your go to place for anything that’s psychedelic and tie-dye. For some hippy vibes and great local souvenirs make sure and stop by.

groovy-Yelp

Image Credit – Yelp

Elliston Place Soda Shop – Nashville

Serving up homespun milkshakes and homemade pies for 75 years, this is the local restaurant you’ve got to try at least once.

Elliston_yelp

Image Credit – Yelp

Batch Nashville-Nashville

You don’t even have to leave the comfort of your home to shop local with Batch. They provide gift boxes with goodies that are all made locally.

Batch_yelp

Image Credit – Yelp

Project 615 – Nashville

If you looking for the coolest Nashville t-shirt around, then you need to stop by Project 615. They also carry all sorts of Nashville inspired décor and souvenirs

615yelp

Image Credit – Yelp

Mast General Store- Knoxville

Decked out with an old timey vibe, this is the place to get everything from Appalachian toys to glass bottle coke and ice cream.

 mast

 Image Credit – Yelp

Nick & J’s Café – Knoxville

Named after the owner’s children, Nicholas & Jordan, this place has become a staple restaurant for the Nashville area.

NIckandJ

Image Credit – Yelp

Three Rivers Market- Knoxville

This is a great local grocery store that does tons to give back to the community while also supporting local farmers.

3rivers_ylep 

Image Credit – Yelp

Burger With USB- New Idea

Weird and Wacky Items You Need in Your Life

wierdcover

When it comes to online shopping, the sky is the limit for weird and wacky items available to purchase. Do you actually “need” any of these items? Probably not. They all would definitely add a little uniqueness to your life, though. Here is our list of some of the most interesting items available to order online.

USB Type Writer

UBS-Typewriter

uncommongoods.com


Monkey Nail Dryer

monkey

infmetry.com


Mini Donut Factory

donut

bedbathandbeyond.com


Singing Pasta Timer

sining

amazon.com


Webbed Swim gloves

Web-Hands

wish.com


Scary bottle squeezer

ketchup

blacklabproducts.com


Food USBs

food-usb

amazon.com


Chemist Spice Rack

spicerack

amazon.com


Bear Oven Mitts

bearmittens

amazon.com


Splash Bowls

Splash-Bowl

amazon.com

Retail Business Secrets During Holidays

Retail Secrets to Gaining Sales During the Holidays

Shoppers beware; retailers have a lot of tricks up their sleeves when it comes to the holidays. Here are some of the top secrets they use to entice you to spend more.

Christmas Tree

How to Christmas Shop Without Breaking the Bank

tree2

Ready or not Christmas is almost here. Though it is a time of giving and spending time with loved ones, it also can add some major stress in your life, especially if your bank account isn’t ready to be hit with Christmas expenses. To aid you in your gift purchases this year we have comprised a list of easy tips to help you save some money and not completely drain your bank account.

And if you still run short of cash we offer a Flex loan that gives you a flexible line of credit up to $4,000. Click here to apply – https://bit.ly/2gDqckk

 affordable

If you have a large list of people to buy for and a small amount of disposable income, then you might want to keep it simple when it comes to gifts. The season of giving doesn’t have stipulations on how lavish a gift you give should be. When it comes to co-workers, distant relatives, or that neighbor you feel obligated to give just a little something to, simple and cheap items like a coffee cup with a mixture of candy in it will work fine. It’s the thought that counts anyway.

shipping

With the influx of online sales during the holidays, many online retailers will offer free shipping for the holidays on specific dates. Research what retailers are offering free shipping for holiday orders and try to shop at only these places to save some extra cash.

retail

There are multiple retail stores like Ross and TJ Maxx that offer substantially discounted designer items that are leftover inventory. You can get everything from designer handbags and perfumes to name brand electric razors for a lot less than what they were originally sold for.

list

Getting organized on who you are going to be buying for is a must in order to even attempt to save money this Christmas. Once you create your list, categorize the gift level. For example, Karen from accounting will be getting a coffee mug with candy, so she’s a level 3, your brother that usually gets a $25 gift card to Apple Bee’s is a level 2, and your spouse who you know wants an $80 FitBit is a level 1. This helps when making your budget on how much to spend per level of gift.

budget

Once you have a list of people you know you are going to be buying gifts for and the gift levels they are, come up with an actual number you can afford to spend. Try your hardest to stay within budget even if that means some of the level 1s gets bumped down to a level 2.

regift

That pajama set from your aunt last year that you never even opened looks like it would fit your sister’s new boyfriend perfectly, just make sure your aunt isn’t around when you give it to him as a gift. Its bound to happen that you’re going to receive gifts that you really don’t need or want, so hold on to them for next year. As long as the gift giver doesn’t find out, what’s that harm. When it comes to your budget that’s one less person to actually buy for.

pricecheck

There will be tons of sale advertisements for percentages off and buy one get one, but make sure you are still getting the best deal. When it comes to online shopping it may take an extra minute to price check an item on another retail site. Even if it’s just a dollar cheaper, getting the best deal for all the gifts you purchase will add up when it comes to saving money.