Money Saving

Back to school goodies! .16 folders!?

Hi there, Sandi here mom of two little boys ages 7 and 9. I don’t know about you but I’m excited to see the calendar quickly approaching back to school for my boys! Ok, so things my not be the same entirely, some of their classmates might not be there and everyone will be wearing masks like we’re in a strange movie but, nevertheless we digress.

I started shopping today for school supplies and here’s what I found at my local Dollar General!

.16 Folders

.25 glue sticks

.50 rulers

.75 filler paper

$1 Scissors

.50 pencil sharpeners

$1.25 Mechanical pencils

$1.25 pens

Bought all of this stuff in twos (except folders bought 6)

Total $10.90 for almost everything I need in the school supply department for my two lil guys.

Money making

Update: Hero’s Act. 2nd Round of Stimulus checks and more….

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Are you one of the millions impacted financially by Covid-19? Wondering if and when you will get a 2nd stimulus check? What the 2nd stimulus package, the Hero’s Act, has in the said proposal? Or maybe you haven’t even gotten your 1st stimulus check and you’re growing concerned. Here’s an up to the minute update….

The second round of stimulus checks proposal is with the Senate as of today May 28th. 2020. Yes, the Senate has yet to finalize this stimulus package for the Corona Virus or COVID-19 relief fund.

Both Democratic and Republicans agree on the proposal (just not the terms), but the final terms of this package are left undecided. Some of the perks of the Hero’s stimulus package include bonus pay for healthcare workers who are on the front-lines in the midst of the COVID-19 pandemic. Democrats also proposed an extension of unemployment benefits and another round of stimulus payouts for all Americans that made under $75,000 or $150,000 for families with children. Families would qualify for a payment up to a cap of $6,000 for families with children.

Under the proposed law, an eligible person would receive $1,200 if their adjusted gross income, or AGI, from their 2019 federal tax filing or 2018 filing (if you haven’t filed taxes yet) was less than $75,000. As with the current stimulus package, payments would incrementally decrease as your AGI goes up. A chart from the Congressional Research Service shows proposed payments by income (PDF). ~ cnet.com

What does the Heroes Act propose?

The Heroes Act, officially the Health and Economic Recovery Omnibus Emergency Solutions Act, includes a handful of additional measures to provide support for individuals and businesses.

Unemployment benefits: The bill would carry over the current enhanced unemployment benefit of $600 per week (on top of states’ typical unemployment payout) to January 2021.

Payroll protection: The Heroes Act would expand the employee retention tax credit to help employers keep workers on the payroll.

Funds for essential workers: Under the bill, state and local governments would receive $1 trillion to pay salaries for first responders, health care workers, teachers and other essential workers in danger of losing their jobs. The bill would also fund hazard pay for workers with high-risk jobs.

Coronavirus testing, tracing and treatment: The bill would include $75 billion to provide for expanded testing and contact tracing.

Support for businesses: The bill would bolster the Payroll Protection Plan, which provides payroll assistance to small businesses, and provide additional funding for the US Postal Service. ~cnet.com

 

Here’s some updated info from CNBC.com

Senate Republican leadership has not embraced the Democratic House proposal with open arms.

On Thursday, Senate Majority Leader Mitch McConnell, R-Ky., said the next coronavirus bill will not extend enhanced unemployment benefits. Democrats wanted the $600 extra per week extended through January.

The idea of additional stimulus checks has also drawncriticism from other Senate Republicans, who are hesitant to sign off on any such checks until they’re sure they’re needed, with most states in the process of reopening for business. Meanwhile, others have said they are flat out opposed to a second round of payments.

“Republicans are hanging back,” said Chuck Marr, senior director of federal tax policy at the Center on Budget and Policy Priorities. “I think downward economic pressure will force action over time.”

So in conclusion, the jury is still out of the final decision, it’s all in the senate’s hands at this time. It could take weeks before we know and another waiting period for checks to be issued.

My thoughts and prayers go out to anyone who’s been hit with financial hardship during this time. Please remember there is help in your state if you are really running low on food or supplies. Go to needhelppayingmybills.com and there are lots of resources for help in your state.

I hope this helps anyone that might need some help during this time of uncertainty. One good thing that I think is coming out of this pandemic is how employers are seeing a different way of doing business and opening up to the possibility of more workers being able to work from home on a more permanent basis. Work from home jobs are perfect for moms who need flexibility the most. If any employers are reading this, please consider work from home jobs for moms or people that might be sick or injured or just need more flexibility in their lives. I think this could be a win-win for everyone involved. Employers can save money by not having to provide a desk, office space, computer, etc., and it saves employees money on gas, clothes, lunch, and car maintenance.

What are your thoughts on the Hero’s Act? Do you see anything positive coming out of this?

Money making

More on 2nd stimulus check and proposed 1800 page ‘Hero’s Act’ package

Coronavirus, Covid-19, the pandemic or whatever we are ‘allowed’ to call it online might be a blessing to some, while nonetheless, a curse to others.

As a single divorced mom for me having an extra $1200 was a welcome gift from the pandemic. Millions have lost their jobs and there are many families struggling. I tend to think like this….plan for the worst, hope for the best, but ‘find joy in the moment’, kind of person. While there are so many bad things about this virus that the media tends to focus on, I think about all the good that has and will come of this as well.

So many families are more united than ever, I think that times like this really put life in perspective. We need to take more time for family, friendships, being kind, and placing more value on relationships, social connections and finding joy in life’s little moments.

As someone who deals with bouts of depression and anxiety, in addition to living with a chronic pain condition. I already value my down-time or alone time or just being home-time, probably a lot more than the average person, so being in quarantine made me focus on things that I’ve wanted to do but never had the time for. I love reading (and writing) go figure. I’ve always been into story telling and journaling. I guess I just love learning. So this pandemic has given me the time to get my blog updated and focus on sharing content that I think will be valuable to others, reading and just learning in general.

I also realized where I need to cut back my spending. I think one of the things I most buy that I can admit I need to cut back on, is buying books. I don’t know why I buy so many but I always have the best intentions when it cones to reading them. As we speak I’m reading a business book (this is my favorite category) Called Shopify E-Commerce Dropshipping, just got done with one By Jessicas Simpson called Open Book which was a pretty good read. And a few others during this whole crazy quarantine situation.

Anyway, the value of just being able to have quiet time to read, think and ponder just helped me so much with self care, and taking time for myself and my own mental and physical well-being. As a busy mom of two boys ages nine and six, my focus first is always what my kids need often neglecting my own needs. I now share custody of my boys with their dad so on his weeks I take time for self-care and make my health a priority. Living with a chronic pain condition can be extremely taxing on ones own health as well, not just physical health, but my own mental health too. Chronic, long term pain is associated with increased risk of depression and anxiety, which I have definitely struggled with long term.

Ok, enough about quarantine, now back to the checks!!!

Here’s the latest update as of today May 20th, 2020

Unveiled by House Speaker Nancy Pelosi on Tuesday last week May 12th, the Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act is a $3-trillion coronavirus relief bill whose measures include giving eligible Americans a second stimulus check to help them cope with the financial effects of the pandemic.

The fresh round of Economic Impact Payments proposed by the Democrat-backed HEROES Act would see those in the United States who earn less than $75,000 a year receive a one-time, non-taxable check for $1,200, while households with dependents would be able to claim a total of up to $6,000.

HEROES Act passed House of Representatives on Friday!

Don’t get too excited yet…

The HEROES Act was passed by the House of Representatives on Friday  

Trump has the power to veto the proposed legislation – a course of action which could then be overruled by the bill going back to Congress and achieving a two-thirds majority in both the House and the Senate.

So as of now, we are waiting mode

A few facts about this proposal…As things stand today, the second stimulus check is for $1,200—the same amount as the first $1,200 stimulus check. Individuals would get $1,200, while married couples who file joint tax returns would get $2,400. Children (up to three) would also get the $1,200 amount with this new round of stimulus checks as opposed to the $500 they got with the first round. For example, a family of five (a married couple who files joint taxes can claim up to three children) would get a maximum of $6,000 if this second round of stimulus checks becomes law.

Remember, you’ll only get this money if the Senate signs on with the House to provide more stimulus checks. The economy is reeling, and the Senate knows it. Senate Leader Mitch McConnell and other Senate Republicans already agree that another stimulus relief package is necessary. They just want more time to get it done, and they are communicating that they will start work on it in June.

So we might not really know until June.

I’m happy about the student loan forgiveness part, as someone who had to take out student loans to have a higher education of any kind. A decision I don’t regret by the way, although I do think we need to make it easier and more affordable in our country to go to college.

What are your thoughts on this proposal? What parts are you most excited about, if it passes?

Money making

2nd Stimulus check update: What this means for you and your family!

House Democrats want to send Americans a second round of stimulus checks worth up to $6,000 per family as part of the $3 trillion coronavirus relief package they rolled out Tuesday — the largest in history.

Like the first round of payments approved by Congress in March, new proposal calls for giving $1,200 to those earning up to $75,000 a year and $2,400 to couples without dependents making double that before phasing out. But it would be far more generous to many families with children, providing $1,200 per dependent up to a maximum of three.

Americans may not see these new, more generous payments, however. Senate Republican leaders have already said the new bill is dead on arrival….no surprise there.😂😂

This New Democratic bill would also extend the historic enhancement of unemployment benefits included in the March legislation. It calls for continuing the weekly $600 federal payment through January, instead of through July.

Republicans are arguing this second round of emergency funding is not yet needed as states begin to reopen. Do you agree?!

Democratic lawmakers also want to bolster the nation’s safety net by increasing the maximum food stamp benefit by 15%, a provision they could not get into prior packages, and providing additional funding for nutrition programs for children. 

They would also allocate $175 billion to help renters and homeowners and offer subsidies to help Americans who lose their employer-provided health insurance keep their coverage.

This new proposal calls for $1200 in stimulus funding per dependent instead of the previous $500. And additional funds for dependents under six.

Hmmm. So, my youngest is six so I’m confused if that would include him or not. Either way, I think this would help so many families.

We will know more about this bill and if it passes this Friday May 15th, 2020.

*Stay tuned for more on this and more economic recovery and help for families struggling during this pandemic. *

About, Hire me, Misc.

I got a nose job: Do I regret it?

rOk, so this was once upon a time, long story short….I had a nose job. Truth be told I hadn’t always hated my nose. I think the first time I realized my nose was less than normal or ‘cute’ was when a school classmate asked me if I had broken my nose. It was only then that I examined my nose a little more carefully. I think I was in the seventh grade. Junior high is one of those pivotal times in your life as a young teenager. A time when you start to notice boys, girls become obsessed with hair and makeup trends, school dances and who was the most popular become the most important aspects of life.

I think my feeling of inadequacy started here, in Jr. high.

After my insensitive classmate pretty much said “what’s up with your schnoz” I closely examined my nose more carefully and to my utter shock and confusion I realized I did have a less than desirable side profile which my nose was a little longer than I would have liked and had a bridge hump towards the top. I started to wonder if I had in fact broken my nose. It did kind look that way.

Fast forward to my mid twenties and I just could not shake this feeling of nasal inadequacy. I wanted a ‘cute’ nose, a ‘button’ nose, the kind of nose you see in magazines like Glamour and Elle.

I decided to get a free cosmetic procedure consultation. I was asked by my future surgeon the same question, “did you ever break your nose?” Wow, is everyone this insensitive? Ok, I guess a cosmetic surgeon could say that, I mean after all he had my best interest at heart right? I came to him with a problem and he was trying to solve it.

Looking back I did actually recall an incident where I was running at school in 3rd grade and I ran smack dab into the side of a portable classroom, cutting the corner too close as I was running to a sewing class. I remember this hurting a whole hell of a lot and my nose did bleed quite a bit. I thought after I viewed my profile…”hmm, did I in fact break my nose?” Nonetheless, it was time to fix the damage that had been done so many years before this appointment. After my surgeon told me I had a deviated septum and that it’s highly probable that my medical insurance would cover some of the procedure, I decided to fork over nearly $5000, reluctantly, and scheduled the surgery. My surgeon said the procedure would take a couple hours and be an outpatient event. Easy peasy right?

Having grown up in poverty and spending so much time and energy trying to get out of poverty, $5000 at the time might as well have been $100,000 to me. But I figured the confidence boost it would give me could propel me into a far better tax bracket than my lowly wage as an administrative assistant at a local furniture store. And it would make for great wedding pics as my then husband snd I were renewing our vows with a real ceremony this time. The first wedding was in the living room of our very first apartment together.

After waiting a couple weeks impatiently, the day finally came! Surgery day! I went through the procedure and was told when I awoke that the surgery had in fact taken a lot longer, actually more like 6 hours. I guess I bleed pretty bad and the surgery didn’t go quite as planned. I looked like I had just been in the rig with Mike Tyson. That’s actually an understatement, it was all bad! I had two black eyes. Two tampon looking bandages in my nostrils and bandages on my face. I looked like a hot mess, although I was too sore and tired to care. My then husband (now ex-husband) drove me home and really the rest of the day was a blur. Assuming I just went home and slept. Day three post-op was the worst day of recovery, my whole face was swollen and my eyes where nearly swollen shut.

I think I got my bandages off about 7-10 days post-op. When I finally got to see the results of the surgery I was soooo happy. See my Avatar pic on this blog for a good view of what my nose looked like post op.

Here I am now, it’s been about 14 years since my surgery and I can safely say that although I don’t regret the surgery, I do wish I had been more informed. My nose has changed shape. It’s now more boney looking and the bridge has a sharp, non-rounded edge. I have reoccurring sinus infections which can be pretty brutal. I’ve had stinging in my nose. I’ve had gross smelling nasal discharge (I know TMI) before a few times, I’ve had sinus headaches and now I was told I may have to have a other surgery to correct the first surgery and that I still have a deviated septum. Although, I was told that a future surgery may be necessary with a Rhinoplasty, I guess I kinda just shrugged the risk off as being a rare possibility and I was hopeful that my surgery would go perfectly and be the exception.Why am I posting this on a frugal living blog? I think it’s important to share personal things that I’ve gone through, I want to be as open and transparent about my life struggles. I have not had an easy life by any stretch of the imagination. These are just some huge hurtles I’ve had to overcome in my life. I have endured child abuse, neglect, poverty, infertility, domestic abuse, having a special needs child, financial struggles, medical struggles, a five year divorce and a bankruptcy. I feel like I can relate to just about anyone at this in my life, I literally have gone through everything humanly possible, and yet I’m still standing, I’m still here and I live to fight another day! I hope this post helps and inspires someone who might be struggling with something difficult. Be brave and stay strong…. this too shall pass.

Money making

How I get kids name brand clothing super cheap or even free!

Money making

Get ready for Christmas!!! 50% off toys!!

Christmas?! Did I really just say Christmas?! I know, I know, it’s not even Halloween as I write this blog post but trust me it will be worth it!

I stopped Rite-Aid today Oct 28th, just to get my fav body wash. Btw, have you ever tried this body wash? Omg, Ah-mazing! Seriously the best body wash I’ve tried in a long time!

This body wash goes on a but one get one free sale a lot. Wanted to stock up but there was only three in stock. 😞They are BOGO this week.

As I was shopping, (Looking for eggs and milk too because I didn’t wanna stop at the grocery store too) I came across a few things for Christmas.

First up.

50% off toys

I asked the cashier how long this sale would be going on and she said at least through November! Grab them early for best selection!

Also, be sure to check Walgreens for toys as well because they will have amazing BOGO toy sales. Sometimes they do buy two or three and get two free sale!! Perfect for filler type gifts (that’s what I call them). My boys each get one or two expensive gifts they really want, some clothes, pj’s, etc. and then some of these ‘filler’ type gifts. I once walked out of Walgreens with two carts full of toys for under $100, just using these toy sales and rewards points. I get my prescriptions there as well so I save up my rewards that way. The point system was a lot better back then though, this was in 2012 I think. They still have great sales though!

Next up! Home decor!

I don’t know about you but I’m already thinking about decorating for Christmas 🎄

I think decorating has to be one of the most fun things I love to do during the holidays!

Rite-Aid had decor and candles, etc for 50% off!

Happy holidays!

Happy Holidays!!!

About

Welcome!

Hi there! Welcome to my blog! I’m Sandi I’m a momma to two boys ages five and eight. My eight year old has Autism and Selective Mutism. After working a “normal” job and leaving my kids crying at daycare. I quickly realized there has to be a better way. I’ve been literally obsessed with business and home businesses and decided it was my goal and mission to test and try various work from home opportunities and pass this knowledge on to other moms that might be looking for a better way as well.

I started this blog originally eight years ago when my first son was born to fulfill my need for a creative outlet during his nap times, he was just three months at the time. This blog started out as a money saving/couponing blog. I got super excited when I realized how far I could stretch my very tight stay at home mom budget after my son was born. I figured my “finds” should be posted so I can help other mommies stretch their budget as well.

This blog is being updated and revamped. Started as just a blogger blog. I have a huge passion for not only helping moms save big, but also create ways of earning income online as well. After all, it’s not just about saving, but it’s about creating a life you love and earning enough money to enjoy your time. Being a good steward, with not only your money, but your resources and energy as well are all things I aspire to help you with on this blog/Youtube channel. I dedicated a lot of time and energy into testing work at home businesses ideas and passive income strategies to help you build multiple income streams at home, I hope to pass this knowledge on to other moms! I’d love to have you follow along! Mommin’ ain’t easy, but this blog will help you make mommin’ easier!

Check out what I’m up to on Instagram daily @ mommiesmedia!!!! Or on Facebook @ mommiesmedia