Target is decently priced. You can probably get cheaper things at Walmart, but this budgetologist discovered a loophole in the system that might not make that so.
A loophole! In the SYSTEM! What a beautiful thing to save money and feel like a smooth operator at the same time.
If you buy something on target on sale, let’s say a dress was $20 but is on sale for $10, then when you get to the register you will pay the sale price, a receipt will be given and you will go on your merry way.
Now, if you wait until that dress is no longer on sale at target and then return it with the receipt and original credit or debit card you paid with, a loophole will become apparent. Target will have to give you back the full price of the dress and you will receive $20 instead of $10.
It’s a weird system they have but it’s required they give you back the price of the dress as it is now, not as it was when it was on sale. You can do this with virtually anything in the store and even make a profit with this method!
Check online to see what kind of temporary sales Target is having, buy said item…return it after the sale to get even more money back! Booyeah!
♥ The Budgetologist
Perhaps some of you readers are choosing the frugal life because you’re trying to save money to start a family. Mazel Tov to you!
Whether you’re pregnant because you want to be or it just sort of happened the first and very important step is to check if you’re actually expecting with a pregnancy test.
The pregnancy tests they sell in Walmart, Target and most everywhere else are absurdly expensive. I’ve seen some in the $20+ range. That could go towards diapers or…whatever! It’s so bad that teenagers have resorted to stealing these expensive sticks from the store…and ain’t no one got time for that.
Luckily, this budgetologist has a cheaper alternative. It’s been one of the industry’s best kept secrets for years. And no, it’s not going to some clinic to get a free one because that takes upwards of an hour, although that is an option if you have the time.
Well, here’s the secret: You can get pregnancy tests at the 99 Cent Store. I repeat, your dilemma of buying an $8 pregnancy test or lunch that day has just evaporated.
The 99 Cent Store is heaven for budgetologists and this case is no exception. Pregnancy tests for under a dollar…take as many as you want just to be sure!
At this point you might be saying, “But budgetologist, are those ones like expired or defective or like whatever?” To which I might reply, “No you fool! They’re just cheaper!”
If there’s one thing this budgetologist should be teaching you, it’s to get that notion out of your thick skull that just because it’s more money means it works better. Maybe it works better for Target’s pocketbook if anything, but your best bet is to head to the land of everything under a dolla.
♥ The Budgetologist
Do you love soda but hate shelling out the cash to pay for it? Well, you’re in luck. This budgetologist has figured out how to get free coke, pepsi, sprite, you name it at any fast food restraurant with very low initial cost — not more than two dolla.
The first step is to order a soda at a fast food restaurant. This will be your only start up cost and will range from a dolla to two dolla and some amount of cents. Pay it, it’ll be worth it. For this example, I’ll use this Jack in the Box cup I bought about a week ago.
There’s coke in here
Now, it gets real simple. All you have to do is keep the cup. Whenever you have a soda craving, simply walk into Jack in the Box and refill your soda. Any day. Any time. I wash out the cup with water in between to make sure it stays clean. None of the store workers will question you — you could’ve just gotten it in the drive thru and now you’re refilling it before you leave again.
If you want to get real fancy, you can continue acquiring cups from different fast food places. Whenever you need a soda, simply go into your trunk and pick the fast food cup that your closest to. This is a fool proof and simple way to get non-stop soda for only an initial buck.
You can also use your presence in the place to get free sauces. For example, this budgetologist was at a fundraiser and bought some tri-tip (I forked over the money because it was for a good cause.) The tri-tip was dry though! And desperately needed BBQ sauce. So, I killed two birds with one stone. I saved money on soda by walking into the building and filling my cup full of free coca-cola, then I simply asked the cashier for BBQ sauce. It made my charity tri-tip more delicious and satisfied my coke-craving all in one trip.
♥ The Budgetologist
Why is it important to save? Because life is a big old machine of who-knows-what tossing unexpected bullshit your way at any given second. No money in the bank is probably the worst fate there is.
Here’s an example: Suppose you’re walking along and bam! you get cancer. A physically fit 30-something year old like yourself should be healthy with no problems right? Wrong! It happens all the time.
Never fear though, you have health insurance! Through your job! And that will pay for all of your treatments right? Wrong! In reality, do you think if something serious happens to your health, your insurance will pay for even a fraction of what it will cost you? Do you think you’ll be able to go to work every day and do what you need to do to earn the money you need to survive? Hell no, you won’t. This is when savings becomes a matter of life and death.
Did I scare you? Good! You needed a J.K. Simmons in Whiplash moment to snap into reality. Realize this: saving money is crucial and therefore budgeting is crucial. You’re not going to work forever, you’re not going to be able to work forever, and you most certainly will not want to work forever. You’ve got to have money in the bank before you bank your butt (what?!)
Here’s the deal: I have budgeting down to a science. I think about my finances and budgeting more times in the day than I care to admit. This year, I’ve been living on wages that are barely above minimum for the state of California. Why? Because I’m in my dream job and everyone’s gotta start somewhere. It’s taught me more about budgeting than I thought I knew. I want to share some of my secrets with you.
♥ The Budgetologist