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On Sunday, I decided to take another shot at improving my time management skills. For as long as I can remember, time management has never been my strength. Always drawn to activities I find exciting, sometimes my responsibilities suffered. I’ve been through a number of programs and read a number of books designed to improve my time management skills, and at times applied some new techniques to my life, even if they were common-sense changes. The implementations were somewhat successful for a few days, but I found it easy to fall into old habits.

Nevertheless, I made it work. I’ve been for the most part successful in the jobs I’ve had, and I was able to do this without sacrificing too much of my extravocational activities. Everything came together, though, when I was able to turn one of my biggest and most exciting hobbies into a business. I became a small business owner, or a start-up founder, or the word I hate, entrepreneur. Business experts often say successful entrepreneurs need to manage their time wisely. I never got to the point where I felt I was making the best use of most of my waking hours, yet I would consider the business a success.

For the last year, I’ve been moving into a different phase with the business, one in which my responsibilities are changing and I’m looking for new growth opportunities outside of the business. I also want to make an effort to spend more time on unrelated activities, like newer passions.

I’ve created a daily schedule that prescribes how I focus my time throughout the day, every day. I’ve never been a fan of structure, so I allow myself some flexibility, but having time set aside each day for certain tasks, both business-related and personal, keeps me focused. The flexibility works for me. By having a daily schedule, I can be confident about not taking time to read and respond to email in the morning when I should be focusing on reading and writing, for example.

I can also set aside time for personal activities I want to encourage myself to do, like getting into shape and increasing my photography skills. This will become more important if and when I add layers of different business responsibilities above what I’ve been doing for the past year.

In a few weeks, I’ll revisit the schedule and my progress with the new time organization to see if I’ve been able to maintain the change and whether I can see the manifestation of benefits.

With this rescheduling, I decided it was worthwhile to outsource more of the tasks I don’t like doing. I probably should have done this more over the past few years, but I held back. I have already hired a cleaning service to visit every other week to handle the deep housecleaning I’m not interested in handling. I missed the opportunity to hire an assistant — virtual or otherwise — when the business’s cash flow allowed me to do so, but I may return to that in the future. The change I made this week was to explore ordering my groceries.

For no extra money assuming I am able to continue to use coupons, I can order my groceries online and have them shipped via the Peapod service. I’ve avoided this for years. After all, the grocery store is in walking distance from where I live. Given the fact I live alone, my needs for groceries are not many. I’m looking to eat healthier, though, and my expenses might shift further away from eating out and more towards meals at home. Grocery delivery is significantly more convenient simply because I don’t need to take time away from working or more enjoyable activities to wander around a grocery store. So even if I need to pay a $7 delivery fee, I find the convenience worthwhile.

My experience ordering groceries online

Because I shop with a grocery store loyalty card, ordering my groceries online was very easy. The website, Peapod, displayed my Stop & Shop purchases automatically, and I could choose from my previous purchases and browse the virtual aisles, adding more groceries to my virtual shopping cart. Using printed coupons is the only drawback, you simply need to present the coupons when the delivery arrives for credit. Delivery was surprisingly flexible; I was able to choose a window of time the morning after I placed the order, and I was able to change or add to my order for several hours after I first finalized it.

Delivery was on time, though I wouldn’t consider the driver to be that friendly. He brought in the bags of groceries and placed them in the kitchen for me. I had already added his tip when I placed the order, so there was nothing left to do but accept the receipt or invoice and allow him to rush out the door to his next delivery.

The only drawback I’ve discovered so far is that the deli meats seem to only be available in larger portions than I need. My challenge will be to consume these before they go bad, but after this first attempt I can change my deli meat strategy for the next delivery. As far as items I prefer to hand-pick in the store, there is a concern that what I receive through delivery might not be as good or as fresh. I did notice that the sell-by date on the milk had passed, but milk is good beyond the sell-by date. I sent an email to Peapod about the issue. All other items seemed just as good as what I might have selected for myself in the store.

If you live in a city like New York, grocery shopping can be more than just inconvenient, and delivery services have been standard for a while. Living in a location like mine, it’s a little more unexpected. I’ve avoided grocery delivery because I didn’t want to feel lazy; after all, I can almost see the grocery store from my apartment. Also, I shop only for myself, so my visits to the store are infrequent. Yet, I still manage to fill five or six large bags and need extra trips from the car to carry larger items. After one delivery, though, I don’t see myself going back to traditional grocery shopping, particularly if I can keep eliminating the delivery fee.

Have you ever used a grocery delivery service? Is a service like this worthwhile for you?

Photo: SodanieChea

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Ebates Review

This article was written by in Reviews, Shopping. 22 comments.

There is more to maximizing cash back than just using the right rewards credit cards. Many card issuers also offer marketplaces or online shopping portals where, if you use your appropriately branded credit card, you can earn 1% to 7% cash back or more. That’s in addition to the 1% to 5% cash back credit card rewards.

When you shop through your card issuer’s portal, the company places tracking information on your computer. This tracking information allows the retailer communicate back to the issuer the cost of your purchase and how much cash back you should receive. The tracking information and the online store work together to make sure you receive the cash back as described in the portal.

The system isn’t always wonderful, though. The shopping portals rarely have the specific store you’d like to shop, and it can be a pain to log into your credit card website every time you want to purchase an item online. I prefer the convenience of a shopping portal that works with every credit card, like Ebates.com, rather than a branded issuer-based portal.

I’ve been using Ebates occasionally for the past several years. By creating an account, you earn cash back at more than 1,200 stores. Membership is completely free; in fact, you can earn money by being a member by referring your friends.

The concept of spending money to save money is interesting. It only works when you’re spending only the money you would spend anyway, without the cash back incentive. If a cash back rebate is the impetus that helps you decide to purchase a product, the purchase may not be the best idea in the first place. Furthermore, you have to carefully consider the total cost of your purchase. Many times, you can find a better price for a certain product on a website that’s not included in the portal’s list. For example, if your favorite book is $10 on Amazon.com and $15 on Barnes and Noble’s website, the 4% cash back you receive for Barnes and Noble doesn’t make up for the difference. The book is still $14.40 at Barnes and Noble.

When you do find a good deal on the stores supported by Ebates, receiving your cash back is easy. I created a PayPal account and linked it to my bank account, and use this account primarily for payments from Ebates. You could also configure your Ebates account to distribute your cash back to you in the form of paper checks, if you desire. Furthermore, if you prefer to designate your cash back to a charitable organization, you can provide information for the non-profit to receive your payments.

Ebates is another option available for those who want to make the most of their everyday purchases. Sign up today for free to use Ebates to maximize your cash back. Used in conjunction with a cash-back rewards card, the rebates are unbeatable.

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My brain is slowly re-wiring itself now that I’m finally free of credit card debt, and I’m wondering about things that I never seriously considered before. I remember many years ago talking with a friend who tried explaining to me that it made sense to spend $600 on a pair of shoes, if they were high-quality enough to last for decades. At the time, I rejected that idea immediately and, I thought, forever. After all, they’re just shoes.

But now, I’m allowed to think about paying more for higher quality in additional areas of life, and I find that I want to think about it before spending money on just about anything. Maybe shoes can be worth $600, maybe it’s worth it to have a suit tailored exactly to my body, maybe there’s a good reason one hammer costs twice as much as the hammer hanging right next to it.

For example, last week we bought an oscillating lawn sprinkler. In the last seven years we’ve bought probably seven or eight sprinklers, some of them fancier than others, but none of them what you’d consider high end (at least not if you’ve done the research I just did). Last week’s sprinkler probably cost just over $10 after tax. We tried to set it up in the yard and we simply couldn’t figure out how to get it to spread the water out in the right pattern. It’d get stuck in one position, or only go up halfway before coming back down. The controls didn’t make any sense, and when we tried to get it to stop spraying upside-down, it broke.

After we gave up, I did some research at the Home Depot and Lowe’s websites, and cross-referenced their options with sprinkler reviews at Amazon, and I found two surprising facts: 1) neither Lowe’s nor Home Depot sell sprinklers at my local stores that are well-reviewed on Amazon, and 2) it looks like you need to spend at least $35 for any sprinkler that is well-reviewed.

Actually, I learned a third surprising thing: a person could theoretically spend almost $2,000 on a lawn sprinkler. I didn’t get that one, I got the first one I could find with more than a couple five-star reviews, which ended up being $37.80. It still seems like a lot to spend on something that should be easy to make cheap, but according to several reviewers, this is a brand that can last up to ten years. In other words, it goes against the “they don’t make ‘em like they used to” concept.

I tested the new sprinkler just now, and it worked right the first time, due in large part to controls that make sense. So, I’m adding sprinklers to the list of things I’d pay more for, in addition to video and photography equipment, computer hardware and software, trash cans, wine, coffee, power tools, haircuts, mattresses and bed frames, cars, air filters, pet care, vacations, exercise equipment, and dinner ingredients, not to mention the occasional visit to a nice restaurant.

But there are still some things I will always buy the cheap version of, if only because I tend to lose them. That’s being generous; I always lose them. Sunglasses and fingernail clippers, for example.

I’m still not so sure about shoes, though. What did you used to buy the cheap version of, before you decided to spend more on quality?

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This article is presented by Kelly Whalen, Consumerism Commentary staff writer.

The temptation to spend money is everywhere, especially during the holidays. There is something magical about lights glowing, soft Christmas music playing everywhere, and the hustle and bustle of the holiday season that seems to make money fly right out of everyone’s wallet.

Whether you enjoy the busyness of the holiday as much as I do, or not, it’s likely you have a few gifts to purchase during the week leading up to Christmas. You may, like me, still have some items still unchecked on your list, or you might be one of the 19% of holiday shoppers who haven’t started their holiday shopping. Either way, you can get your holiday shopping faster than Santa can fill stockings by trying these suggestions to curb your holiday spending. (note: the same principles apply year round)

  • Make a list, and check it twice: I’ve said this before, but it bears repeating. A holiday shopping list is the ideal way to keep your spending in check. Just like a grocery list it will keep you from forgetting you already bought a gift for Great Aunt Sylvia or worse leaving someone off your list.
  • Take advantage of FREE Shipping Day: Today only, December 17, is “Free Shipping Day” at many etailers. For a complete list go to FreeShipping.com If a retailer isn’t on that list, try calling their stores or customer service line. Some companies, such as Land’s End at Sears, offer free shipping if you order from the store. What could be a better way to finish your gift list from the comfort of your own home.
  • Look, but don’t touch: When you touch an item you are more likely to buy it, according to Time magazine. Keep your hands in your pockets, or if you can’t keep from touching look at the sticker price first, so you can shock yourself into not buying.
  • Concentrate on the recipient: While it should go without saying, putting yourself in your recipient’s shoes will allow you to walk away from overspending. I found myself dreaming of a particular toy that I have not been able to find for one of the kids. After considering a web-wide hunt for said gift, I realized it was my own nostalgia that colored my perception of the “perfect” gift. I could give a gift that was similar for half the cost, and the kiddo would still be thrilled.
  • Shop after the holiday: If you don’t have small children, or will be visiting far-flung relatives after 12/26, consider going shopping on 12/26 when the products in many stores are reduced significantly.
  • Don’t try to do it all! Most of us have precious little free time. Use your free time to be with your family, or friends instead of focusing on hunting down the perfect gift, or squeezing in 5 holiday parties in 2 days.
  • Opt out. Many families are scaling back, but you might consider opting out of gift exchanges altogether. This only works well for adults, or families with older children, so proceed with caution. Some families choose a vacation over exchanging gifts.

Do you have any tips for curbing your spending?

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Outlet Malls – Great Buy or Money Drain?

by Jeff

When I was younger, my family and I would make the annual back-to-school pilgrimage to the outlet malls located in a city about 20 minutes from where we lived. As kids, we were always excited to go, because we knew the deals would make it much easier to persuade our parents to let us get ... Continue reading this article…

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Reusable Bags at the Grocery Store

by Luke Landes

I produce a lot of garbage, and I’m not talking about just my writing. Here’s one reason: Even though the grocery store is only about a block or two away from my apartment, I tend to take large shopping trips infrequently rather than smaller trips more frequently. Here are the problems with this approach. I’ve ... Continue reading this article…

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Cost-Cutting Consumers Trade Down from Steak to Chicken

by Sasha

RIS News, a retail technology publication, announced some interesting findings recently related to consumer shopping behavior. According to Deborah Weinswig of Citi Investment Research, the recession is creating more bargain hunters and transforming our shopping style in four key ways: 1. “Trading Down” to Private Label There’s a cost benefit to going generic, and store ... Continue reading this article…

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Too Cheap for iPhone or Blackberry, But I Got My Mobile Web Access

by Sasha

My day-to-day existence includes nearly 4 hours of commuting, 8-12 hours of work where I’m without access to my personal e-mail, and very little time left over in which to live life to the fullest. In my endless struggle to balance work, friends and family, I find that mobile web access is a must. For ... Continue reading this article…

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UPS Stealth Delivery

by Luke Landes

Last week, I ordered some new high definition audio/video cables and an HDMI powered switch to prepare for the Blu-Ray player I’ll be receiving as I spend Christmas with my girlfriend’s family. I placed the order with MonoPrice.com, and I expected the delivery yesterday. As I normally do, often without thinking, I directed the cables ... Continue reading this article…

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PriceProtectr Just Saved My Girlfriend $100

by Luke Landes

Unfortunately, I forgot to mention PriceProtectr during my recent Wall Street Journal interview, but I can’t praise this free service enough. This website keeps a private database of your purchases, in store or online, and monitors the price of the items. Many stores offer a price match policy, in which the customer would be entitled ... Continue reading this article…

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Wall Street Journal Podcast: Finding Deals Online

by Luke Landes

Last Friday, the first portion of my latest interview with the Wall Street Journal Tech News Briefing E-Report was published for podcast listeners. Today, the second half of my rambling was broadcast, this time about finding deals online. Here are the time stamps relevant to the interview. 07:10 E-Report introduction 07:25 Best place to find ... Continue reading this article…

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Holiday Gift Guide, Part 4: Frugal Homemade Gifts

by Sasha

Homemade gifts can be so much more than the sum of their parts, which makes them a great frugal gift option. They are redolent of effort, of “I thought of you all year and worked on this for you” versus “I realized I needed a gift for you ten minutes ago and picked this up ... Continue reading this article…

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Holiday Gift Guide, Part 3: More Clutter-Free Consumable Gifts

by Sasha

I got a little carried away with consumable gifts in the food and drink category in my last entry, but that’s to be expected. This time around, my favorite ideas for non-edible consumable gifts: * Soap and Bath Products – They make a great gift basket, but are easily used up, so they don’t contribute ... Continue reading this article…

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Wall Street Journal Podcast: Safe and Smart Online Shopping

by Luke Landes

I mentioned the other day that I participated in an interview for a Wall Street Journal podcast, the Tech News Briefing E-Report. This service is seemingly accessible only to paid Wall Street Journal subscribers only1, but the RSS feed and the podcasts within are open to the public. To listen to the podcast episode containing ... Continue reading this article…

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Holiday Gift Guide, Part 2: Clutter-Free Consumable Gifts: Food and Drink

by Sasha

Besides charitable giving, this year I’m focusing on clutter-free gifts: experiences and consumables. While experiences are great gifts, consumables give you something to open and enjoy Christmas morning. Unclutterer.com has some nice suggestions for theme-based consumable gift collections, such as bulbs and seeds for a gardener, spice collections for someone who enjoys cooking, and the ... Continue reading this article…

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Black Friday and CVS Savings

by Sasha

My “Black Friday” shopping started yesterday at 8 a.m. after I’d readied my 26-pound turkey (we had 22 people planned for Thanksgiving this year) for its 6-plus hours in the oven. Instead of crawling back to bed whilst the scent of roasting turkey filled the house, I had a mission in mind. Earlier in the ... Continue reading this article…

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Make the Most Out of Best Buy

by Luke Landes

Money Magazine has tips for getting the most out of a Best Buy shopping trip, which reminded me to share my story of yesterday’s experience. In my circle of friends, the big box retail store known for its bright blue and yellow logo is known as “Worst Buy” thanks to the multitude of headaches their ... Continue reading this article…

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Upgrading My Living Room Entertainment, Part 1: Television

by Luke Landes

As of Monday, calculating how much I had spent on televisions, DVD players, and other entertainment equipment was fairly easy. I “inherited” a JVC receiver and large JBL speakers from my father when he upgraded. When a friend and roommate of mine moved to Seattle several years ago, I purchased his 27 inch CRT television, ... Continue reading this article…

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I Got a Relatively Good Deal on Bedroom Furniture

by Luke Landes

I have been struggling for the past month or two to find decent, basic bedroom furniture for a good price. I’ve tried the department stores (JCPenny, Macy’s and Sears), Ashley Furniture, Raymour & Flanigan, Peir 1, and some other stores, but everything was out of a reasonable price range or was horribly cheap. After expressing ... Continue reading this article…

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Dangers and Benefits of Dollar Stores

by Luke Landes

My girlfriend is a fan of some dollar stores, notably Dollar Tree, while I can take them or leave them. In a good dollar store, you can find everyday items with high enough quality to be sufficient at a price you don’t mind spending. At the other end of the spectrum, dollar stores are able ... Continue reading this article…

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