SouthernMinn.com’s
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SOUTHERMINN.COM’S CLIP & SAVE
December 2021
Have Fun Saving Money © ADOBE STOCK
Saving money isn’t always the most fun activity for most Americans. Changing your perspective, creating goals and celebrating milestones makes the process more engaging for families and individuals. Rather than using retail therapy for mental boosts, train yourself to take pride in building your savings account and better preparing your future. Here are some ideas to get started.
Find an Exciting Side Gig The easiest way to stash away money is to bring more in each month. Find a side hustle, apart from your day job, that you’re passionate about. If money is already an issue, try to discover an activity you can do with little startup fees. For instance, if you’re good with your hands and already own home improvement tools, consider building furniture or unique art projects. In other cases, you can earn a significant amount of side cash by researching ways to make money online. Be wary of scams and be diligent when disclosing financial information for purposes like direct deposit. You can get your business in the spotlight by
posting what you offer on social media and asking friends to spread the word. Track Your Progress Watching your nest egg grow can be the most substantial reason to persevere with your progress. Use smartphone apps that show a timeline of how your savings are growing and analyze it from time to time. With the visual data, you can easily manage your strategies and adjust for even more positive growth. As you spend money throughout the days, be sure to log your purchases into the tracking software to find out where most of your earnings go.
Participate in a Challenge Create a saving goal and encourage your loved ones to participate in the challenge. First, you should choose an amount that you want to save. Now, divide that number by 52 to discover how much you will need to stash away each week to reach the milestone. After the initial year, try to push yourself further by increasing the goal for the next 12 months. Before long, participating in a competitive way to pad your future will become a way of life.
December 2021
SOUTHERMINN.COM’S CLIP & SAVE
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Give the gift of Torey’s
BUY ONE ADULT MEAL, GET KIDS MEAL FREE!
The perfect present every time
Offer valid on Monday nights only
Buy $100 in gift cards Get a $20 card FREE! Expires January 31, 2022
$5
ULTIMATE SPA PEDICURE
Spend $50 or more and get $10 OFF your entire purchase
Exp. 3/31/22
OFF
FARIBAULT, MN
114 N. Cedar, Owatonna 507-451-5196 ToneMusic.net
Since 1990
Expires January 31, 2022
Order a
burger and get your fries free! Flame Bar & Grill
expires 2-28-22
Purchase 1 Item at R Regular Price, Get a 2nd Item of Equal or Lesser Value for 50% OFF Thursday 11a - 7P | Friday 11a - 4P saTurday 9a - NOON
Valid until January 15, 2022
118 N Oak aVE., OwatONNa
bellebrookboutique.com
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SOUTHERMINN.COM’S CLIP & SAVE
December 2021
VISIT FARIBAULT’S ORIGINAL HOMETOWN BAR AND GRILL NO COUPIN REQUIRED!!
Limited to Monday nights only. Dine in only. 311 HERITAGE PLACE • FARIBAULT, MN • 507-332-2825 • THEDEPOTBARGRILL.COM
208 N Cedar, Owatonna (507) 455-9260 • Toreys.net
MONDAY - THURSDAY 11 AM - 8 PM FRIDAY & SATURDAY 11 AM - 9 PM
f
511 Central Avenue North
For All Your Music Needs Since 1990
114 N. Cedar, Owatonna • 507-451-5196 ToneMusic.net
SUNSET Faribault SALON IS A FULL SERVICE www.sunsetsalon.com SALON AND SPA
507.334.1714
Trendy, unique women’s clothing and accessories. Offering sizes XS through 3XL with new arrivals weekly! Thursday 11a - 7P | Friday 11a - 4P saTurday 9a - NOON 118 N Oak aVE., OwatONNa bellebrookboutique.com
225 W Nassau St. - St Peter (507) 931-9277 • Open at 11 am
NOON LUNCHES • FOOD BASKETS • APPETIZERS &
THE BEST HOMEMADE PIZZAS! 11 DIFFERENT BEERS ON TAP! ORDER IN OR TAKE-OUT
ING HER ING T A R G R ATE & C LER FO I TRA RENT.
December 2021
SOUTHERMINN.COM’S CLIP & SAVE
$5 OFF $25
PURCHASE
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$5 AN AUTHENTIC TASTE OF MEXICO
Dine in only. Expires 1/31/21 Valid only at Faribault location
Buy 3 Get 1 FREE
Cards, Cookies, & Swedish Washcloths Plus other in-store specials!
OFF
Faribault, MN • Morristown, MN OIL CHANGE Expires 3/31/22
Looking for a Pet? Visit Us! Purchase a Guinea PiG Kit Get a
FREE Echo Dot (4th Gen.)
Smart Speaker W/Clock & Alexa ($66.00 Retail Value) with any new customer satellite activation through The Dish Doctors, Inc.
Free BaBY BearDeD DraGOn
Free Guinea PiG expires 1-31-21
110 W. BroadWay, oWatonna • 507-451-3460 Not Valid on Custom Framing Orders Offer Valid While Supplies Last * Expires January 29, 2022
Purchase a haBitat Get a
PETS & FISH
116 n. cedar ave, Owatonna 507-451-2825
OFF 5$25 OFF
$
$5 off your food or drink purchase of $25 or more (pre-tax) Dine in only. One offer per check per visit. Cannot be combined with any other offers or discounts. Expires 7-31-22
Neisen’s
Riverside SPORTS BAR
34166 Highway 99 St. Peter
Great food to go! 507-931-7966
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SOUTHERMINN.COM’S CLIP & SAVE
• Most vehicles • Cannot be combined with other offers • Must present coupon at hase time of purchase 729 NW 4th Street, Faribault • 507-334-4640 24628 Holland Avenue, Morristown • 507-685-4342
December 2021
520 Central Avenue • Faribault, MN 55021 Ph: 507-333-1344 • www.granplazagrill.com
PETS & FISH
Custom Framing, sports deCor, giFts, greeting Cards, piCture Frames, Home deCor, art, and so muCH more!
116 N. Cedar Ave, Owatonna 507-451-2825
110 W. BroadWay, oWatonna 507-451-3460
Satellite Sales • Service & Installation AUTHORIZED RETAILER
Your Local Satellite Dealer 119 N. Minnesota Ave., St. Peter 507-388-3940 507-934-1740 507-934-1740 507-388-3940
34166 Highway 99, St. Peter • 507-931-7966
www.dishdoctorsmn.com
December 2021
SOUTHERMINN.COM’S CLIP & SAVE
$5 OFF PURCHASE OF $25
$5 OFF
$35 PURCHASE
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Margarita and Food Specials Every Day!
Dine in only Coupon Expires 1/31/22
Coupon only valid at Faribault & Northfield locations
Channel Inn
23219 Farwell Ave Warsaw, MN 55087
Must present coupon • Not valid with other offers. One coupon per party. Expires 03/31/21
(507) 685-4622
Buy Any Specialty Drink and Get $1 OFF the 2nd drink!
$5 OFF OF $30 PURCHASE
Not valid with prime rib meals on Saturdays or on Valentines day, mothers day or easter. Automatic gratuity of 18% prior to discount.
Located on the beautiful west shore of Roberds Lake. Full Bar, Burgers, Pizza, Steaks, Pastas, Wraps & More
Expires: 1/31/2022 2nd drink must be of equal or lesser value
Expires 3/01/22
HALF OFF!
Christmas Books, Puzzles, and Cards BOOKS • MAGAZINES • COMICS • CARDS • GAMES
LITTLE PROFESSOR
BOOK CENTER
Limit one per customer, offer not valid on newspapers, special orders or with other discounts. Expires 1/31/22
110 West Park Square, Owatonna, MN 507-455-0969
HALF a mount
OFF
Expires: 3-31-22
& balance
with the purchase of 4 tires.
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SOUTHERMINN.COM’S CLIP & SAVE
• Full Bar • Great Food • Pull Tabs • Entertainment • Paint & Sip • Parties Check our Facebook page or visit thechannelinnmn.com for menu specials & upcoming events!
Channel Inn
23219 Farwell Ave Warsaw, MN 55087
(507) 685-4622
Order Online at CentralParkCoffeeCo.com Monday - Friday 7:00AM - 3:00PM Saturday 7:00AM - 2:00PM 113 N. Cedar Avenue, Owatonna
December 2021
Margarita and Food Specials Every Day! Coupon only valid at Faribault & Northfield locations 1010 South Highway 3, Northfield, MN 55057 951 Faribault Road, Faribault, MN 55021 www.eltequilarestaurant.com
Located on the beautiful west shore of Roberds Lake. Full Bar, Burgers, Pizza, Steaks, Pastas, Wraps & More
ONE-STOP BOOK SHOP Serving the St. Peter Area for Over 20 Years • Servicing all major brands of tires • Complete Alignment Service • Brakes • All types of Under Car Repair
BOOKS • MAGAZINES • COMICS • CARDS • GAMES
LITTLE PROFESSOR
BOOK CENTER
110 West Park Square, Owatonna, MN • 507-455-0969
December 2021
SOUTHERMINN.COM’S CLIP & SAVE
Savvy Savings
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It’s important to have a savings account — or two — and keep them funded as well as you can. These accounts can be an emergency fund or help you work up to a goal, such as owning your own home or starting a business. Here are some tips for how to save from AmericaSaves.org. 1. Start an emergency fund. If you’re having trouble, start small. Go for an account with at least $500 in it, then work up to at least three months of expenses. 2. Set a budget. Start by getting real about your spending habits. On the first day of a new month, start getting a receipt for every purchase you make. At the end of the month, take a critical look at where your money’s going. 3. Save automatically, if you can, by setting up automatic savings through your bank. It puts your cash out of sight and out of mind (and out of stores). You can ask your employer to do this through direct deposit. 4. Start saving for retirement as early as you can. Take advantage of employer matches to a retirement plan, such as a 401(k). 5. Save any unexpected windfalls or tax refunds. It’s good to treat yourself, but also make sure you set some aside for a rainy day. 6. Use the 24-hour rule. Avoid purchasing expensive or unnecessary items by waiting 24 hours for anything nonessential. If you’re shopping online, just add it to your cart and leave it there for 24 hours. 7. Calculate purchases by hours worked. Take the amount of an item you want to purchase and divide it by
your hourly wage. This can help you visualize how many hours you’d have to work to buy it, and make you realize that some things aren’t really worth it. 8. Check your credit report annually, for free. Use your annual free credit
report from the three reporting bureaus to look for inaccuracies that can lower your score. 9. Pay your bills on autopay to ensure they are paid on time and in full to avoid late charges. Some loan providers may
decrease your interest rate if you enroll in autopay. 10. Designate one day a week a nospend day. Cook at home, plan free activities and enjoy the savings. 11. Plan your meals in advance and
stick to a list while grocery shopping. 12. Take advantage of preventative health care to keep costs low and stay in front of any big health expenses.
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SOUTHERMINN.COM’S CLIP & SAVE
December 2021
Avoid Savings Mishaps Oddly enough, there are wrong ways to save money. A well-stocked savings account shouldn’t be paired with growing penalties from ignored bills. Failure to take advantage of high interest returns ultimately leads to unearned money, as well. Here’s a look at common mistakes that keep people from saving money the right way. Putting Away Too Much Believe it or not, that nest egg can become too large too quickly. Don’t save money to the exclusion of other important financial responsibilities. For instance, choosing to only make minimum payments in order to sock more cash away will lead to a balloon of debt — and, ironically enough, you might have to tap into your savings to get back in the black again. It’s better to pay down debts with high interest rates as quickly as possible, then you can use ready cash to bolster your savings. Going on Spending Fasts Some people participate in a so-called spending fast, where purchases are limited only to necessities for a period of time. In the short run, that provides a larger amount of every day cash that can be put toward savings. But, as with starving yourself to lose weight, these fasts can lead to binge buying later. It’s more important to learn to manage a reasonable budget than it is to take short cuts that may lead to bigger setbacks. Change your spending more gradually — like say, skipping a meal at an expensive restaurant — for better long-term results. Not Earning on Savings Shop around for the best offers, and you’ll find a variety of ways to grow your savings. Banks often offer special deals when you open a new account, and there is an increasing number of promotions and discounts to bolster your earning potential. Ask about high interest rewards and competitive point systems, too.
No Emergency Fund Having a growing savings account isn’t the only way to keep you and your family safe. In addition to
this reserve, financial experts recommend a separate emergency fund in the event of a potentially life-altering event like job loss, unexpected medical
bills and natural disasters. Keep three- to sixmonths of regular income separate from savings, and you’ll be better prepared.
December 2021
SOUTHERMINN.COM’S CLIP & SAVE
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How To Easily Maximize Coupon Savings Many items, including food and clothing, can strain a budget. As a result, many shoppers make it • See if you can stack their mission to save money on their purchases, and coupons. Some stores will enable you to use coupons can be a great way to do just that. both a manufacturer’s According to a 2014 survey from the discount coupon and a store coucoupon site RetailMeNot, 96 percent of respondents pon at the same time. regularly use coupons. In fact, Hawk Incentives, This is called stacking. another deal resource, found that 40 percent of Shop at stores that alcoupon users feel smarter when taking advantage low stacking to get betof a deal. While there are some people who use ter deals, particularly coupons periodically, an entirely different type of on food. shopper has mastered the art of maximizing coupon • Use discount code savings. Learning how to follow such shoppers’ lead can save consumers substantial sums of money. sites. Regularly check sites and apps like Re• Look for deals in your local newspaper. Begin tailMeNot for codes for by perusing newspaper inserts from local papers favorite retailers. This is enable you to load offers directly to a store rewards and match up the circulars to the stores you fre- easily done before you head to the check-out line. card. Investigate these possibilities for more savings. quently visit. Pick the best deals you can find for Popular stores frequently run deals, and you may products you actually use. You will not be saving not realize there is a discount even if you’re in the • Automatically update your shopping cart. money if you clip and utilize coupons but end up store already. Oftentimes codes can be scanned diWhen making purchases online, utilize a plug-in buying items that you don’t need and/or won’t use. rectly from your phone. Other apps and resources
Present this coupon for
• Sign up for mailing lists. While you may not want to inundate your inbox with spam, retailer newsletters and mailing lists will inform you about discounts and sales others may not know about. If you’re concerned about your email program getting flooded, designate a filter that will group these promotions into a separate folder.
• Keep coupons close. Coupons are only good if they’re available for use. Have a holder for print coupons or store digital coupons in a folder on your phone that can be easily accessed.
With these strategies in mind, consumers can increase their coupon savings considerably.
Spend $100 On Regularly Priced Merchandise Get a $20 Gift Certificate To Use On Your Next Visit
2 for 1 Margaritas
&
Offer valid for dine-in only at our Owatonna Location 1830 S. Cedar, Owatonna • 507-444-9490
site like Honey, which automatically scans its database of usable discount codes for the retailer you’re using. See if there are any applicable codes that can earn you a discount on the spot. If not, Honey will tell you that you have the best price.
Expires January 29, 2022 • 507.382.5486 • 303 N. Cedar Ave. • Owatonna
Expires January 29, 2022
Buy one Entree at regular price and Get the second at 50% off.
Buy 1 Panino Get 1 Panino Free (of equal or leser value) Not valid with any other discounts, coupons or promotions
One Coupon per guest. Not valid with other offers. Expires 4-1-22 Expires 3-31-22
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SOUTHERMINN.COM’S CLIP & SAVE
December 2021
7 Ways To Save On Food
Food is a necessity and an expense that simply cannot be avoided. A 2012 Gallup poll found that Americans reported spending $151 on food per week. Around one in 10 said they spent $300 or more per week, and those with higher incomes tend to spend more on weekly food bills than people who earn less. Compounding high food bills is the fact that people tend to waste food. According to the American Chemistry Council, roughly 80 billion pounds of food are thrown out every year in the United States. Britons throw away around seven million tons of food and drink per year, says BBC Good Food. Saving money on food may seem challenging, but it doesn’t have to be. With some smart strategies, individuals can reduce their food budgets and still have enough to eat. 1. Store food properly. Pay attention to the cor-
rect ways to store food, including promptly refriger- such items go on sale. ating or freezing items to prevent spoiling. 5. Embrace dried and canned beans. Beans of2. Do your own work. Prepackaged, presliced, or fer filling fiber and protein for relatively little cost. preportioned foods take longer for manufacturers to They also can be added to meat or vegetable recipes prepare, and those costs are passed on to consum- to bulk up dishes. ers. Separating foods oneself and putting them into manageable portions may take a little time, but the 6. Plan ahead. Planning ahead can save big bucks. savings for consumers could be considerable. Peruse sales before leaving the house and spend time visiting a few different stores to save more money. 3. Buy in bulk when it makes sense. Bulk ware- Make use of store coupon apps to preload savings house stores can make it easier to stock up on es- that can be used at checkout. sentials. But they also can entice people to buy items 7. Explore frugal recipes. Skipping meat or oththey really do not need. Consumers should only purchase items that make fiscal sense or ones that er expensive items once in awhile can help reduce cannot be purchased elsewhere for less. Always com- food bills. Save expensive items for treats, which pare the price per weight or per unit when shopping. can make you appreciate them that much more. The same concept can be used for dining out. 4. Stock up on staples. Be on the lookout for sales on items used frequently, particularly staples It is relatively easy to save money on the cost that can be stored away. Watch for low prices on of food when consumers make a commitment to coffee, oils and canned goods, stocking up when being more frugal.
& Big City Feel, Small Town Service 507.382.5486 • 303 N. Cedar Ave. • Owatonna Dozens of places to get a burger, only one place to get a panino! Get your first Panino FREE & other great offers! Message ‘Panino’ to @ExtraInningsSP on Facebook or scan this code to join our MVP Club!
220 S. Minnesota Ave., St. Peter, MN 56082. 507-934-4326 www.extrainningspaninos.com
Tuesday - Thursday 11AM - 9PM Friday 11AM - 10PM Saturday 11AM - 10PM Sunday 11AM - 8PM 1830 S Cedar Ave, Owatonna • 507-444-9490 eltequilarestaurant.com
FAMILY OWNED SINCE 1988
Bring the whole family • 32 Tap Beers • Award winning Bloody Marys • Daily lunch and dinner specials