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Tag: money saving
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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. 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 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. I figured my “finds” should be posted so I can help other mommies stretch their budget as well.
This blog is being updated and now I have a huge passion for not only helping moms save big, but also create ways of earning income online as well. I’ve 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 and 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 yo on Instagram daily @ mommiesmedia!!!! Or on Facebook @ mommiesmedia
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DIY Orange Julius only .75 a serving!
Time to break out the blender! After the holidays everyone is on a new health kick. Well, I’m starting it early!!! No time like the present right? Or is that it’s always a good time to get presents! Or is that to always be present. lol Just kidding! During the holidays there are so many treats. Home made cookies and fudge and pies galore. I have always had a bit of a sweet tooth so I love donuts, pies and candy! Yep, I’m like a kid at a candy store, actually I go crazy in candy stores, I want to buy everything! So the point I’m getting at (believe me I have a point) is that I need to start eating healthier. I was diagnosed with a condition called fibromyalgia which is an arthritis type of condition that causes a lot of pain and discomfort. So I’m looking into more natural ways of treating this very common condition and I’ve started taking vitamins and supplements, as well as trying to eat healthier, duh right?! I’m going to be turning 38 this year and for some reason these kinds of things (sweets) don’t sound as appealing anymore. I’m now wanting more healthy choices and my boys (even my picky four year old) have also been eating healthier (even if I have to be a little sneaky about it). I’ve been buying less processed foods and trying to make more things from scratch. It takes longer, but it is so worth it. Here is one recipe I thought I would share that my kids and I both love. I have been on a yogurt kick and absolutely love Tillamook yogurt. I’ve actually been eating this kind for about five years. I lived on it during both pregnancies eating it every night before I went to bed. I really like the Honey Creme Brulle( always out of stock at Wal-Mart, come on Wal-Mart get it together) one that Tillamook has in the black cups. Yum! Anyhoo, this is a delicious snack or fast breakfast and it’s super cheap to make! Only about .75 a serving and you can double the batch by adding another banana another cup of yogurt and more juice and a splash on milk. No ice required. 1 cup Tillamook yogurt any flavor will work I love the vanilla or honey 1 Banana 1 cup of apple juice 1 can of apricots or peaches (apricots make it a little sweeter) 1 handful of strawberries 1/2 milk 2 tablespoons sugar (if needed) In blender add strawberries, banana and apple juice, blend…add in the rest. Blend, serve and enjoy! Makes 4 medium size servings
How to have an amazing Christmas on a budget
It’s beginning to look a lot like Christmas….everywhere, literally everywhere you go. Is it just me or does it come earlier and earlier every year? It seems like Halloween isn’t even over and you start seeing Christmas decor. So this year instead of turning my head and thinking omg, I am so not ready. I decided to embrace the thought of decorating early. (See pic, this is my house, not bad for $60 spent at the Dollar Tree right?) Yes, our tree is already up!!!! since November 8th! I did this for several reasons. First of all last year was really hard emotionally and financially. I just left my husband after being Married 16 years. Just getting thru everyday was more of a priority. I put everything off but in the end with a little help I was able to have a great Christmas for my boys. Secondly, I feel like I’m just In a better position this year emotionally as well as financially. More reasons I wanted to get it out of the way because I am going back to school and working hard on a lot of projects. My boys love Christmas and my oldest son’s bday is Dec. 22 so I also have a bday the same week as Christmas…then mine is two weeks later. All of the best Christmas decorations are fully stocked. Waiting really limits the possibilities of getting what you want. As soon as Thanksgiving is over it is game on! And shopping becomes like wrestle mania! You have to fight for what you want. (Wait isn’t that true for really anything? Lol) I was able to get some awesome decor at the Dollar Tree, all of it fully stocked!!!! And super cheap got everything for $60! They really have stepped it up and got better quality items too. It would be a tragity to buy this stuff anywhere else. I think we saved around 75 percent by shopping here compared to maybe Target or Walmart Ok enough about decor…back to having an amazing Christmas on a tight budget. Here are some tips and tricks. #1 set a limit per child. Obviously older kids are going to want more expensive gifts so they may only get a few while the younger ones will get several smaller cheaper gifts. I only have young kids ages 2 and 4 so they don’t understand prices or brands which makes shopping easier. #2 Think outside of the box. Shop other stores you may have overlooked before. Ever thought to Christmas shop at Walgreens? I shop there every year to get toys. Now I don’t get all of the toys there but I finish my shopping there. I have been able to get two carts full of toys for less than $100 buy utilizing there sales with the buy two get one free or buy three get two free toys! Be on the lookout for those sales! #3 Use layaway. I usually only use Kmart for Christmas layaway but this year I think I will use Walmart and see if I can save more. The down side is not being able to put clothes on layaway so I may go to Kmart as well. Layaway is awesome because you can pay in payments and you don’t have to worry about hiding the gifts, you can pick up the week of Christmas wrap it all and find a temporary hiding spot. #4 If you are on a very tight budget and you are going through hard times and don’t see how you are going to pull off the holidays here are some ways you can get help. Call the Salvation Army and sign up for food baskets and toy giveaways. Call churches and see if they offer any help What organizations are you involved in? So many organizations offer help. My son’s school offers all kinds of resources (head start) a great program for low and moderate income kids and their families. Cal for referrals to other programs and resources. I don’t think you necessarily need to be homeless. It doesn’t hurt to call and ask. Social services can offer resources or give you some suggestions # 5 Plan early. Start as soon as possible, setting money aside and planning your Christmas budget. Also, prepare for unexpected guests and have little gifts on hand for gift giving like boxes of candy, lotions, small gift baskets, etc. #6 Start a change fund for Christmas in Jan. (While this won’t help this year it is an idea for next year so you won’t stress out last minute). How this works is put all of you change in a big jar or five gallon water jug. All of you change at the end of the day is put in it. If you save all coins you could have around $3000 on average at the end of the year. #7 Cut your budget per gift in half if you spent $20 on each giftlast year try cutting it to ten. There are so many good deals that this is easy with a little planning and you may have to shop several stores and have a little patience. #8 Does it have to be new? If you have really little kids to buy for, do they really care about the box? No, they just rip into them. They want the toy! If there is a toy your child wants that’s out of your budget you might be able to find it used on eBay or craigslist, or even a thrift store, yard sale or consignment store. Just make sure all the pieces are there and it’s clean and in good condition. You could even trade old toys for store credit to get new ones at some children’s consignment stores #9Sell old items like toys and clothing on capitalist and eBay for extra Christmas money. #10 Make gifts. If you are crafty you might be able to make things like leg warmers, scarfs, gloves, hats, blankets or jewelry. Try reusing materials. You can repurpose old clothes to make a quilt. For jewelry you might be able to redesign old costume jewelry and for leg warmers, think old sweaters. #11 Black Fiday and Cyber monday. If you can brave the long wait, crowds snd chaos uou can get some great deals. I personally like cyber monday better, it’s less stress for sure and a lot of stores offer free shipping. #12 Gift wrap cards and postage. Use flat rate priority for everything. This is a money and time save for several reasons. No weighing, if it fits it ships. Try redesigning the box to fit more. The flat rate envelopes can hold more if you make the bottom flat. Another plus, free tracking and insurance and drum roll.please, no stress, just schedule a pick up. The post office will come get it. Just print your labels at usps.gov and schedule a pick up. They will even drop the boxes off, just go to usps.gov to order supplies. Cards and gift wrap can be purchased at dollar stores. Why would u want to shop anywhere else? And spend double or even triple. You can even use fabric scraps and old ribbon to wrap gifts. Hope these tips helped relieve a little holiday stress! Wishing you and your families a wonderful holiday season!
Be the crazy one!!!!
As you probably know by now I have been following Dave Ramsey. Now I’m not taking his financial peace class but I am atudying his advice and watching his youtube videos. There was one video in particular that caught my eye. He was basically saying in order to get ahead financially you can not think like everyone else. You have to be ok with being different and doing things differently. You have to look at money, debt and really life in general from a different perspective. I’m going to call it ” think like your grandma”. Let’s think about this for a minute, in our grandparents generation they had no credit cards, they used what they had and they did not shop fir recreation. They bought what they needed and most importantly, they were content, they lived and they lived within their means. I think if we took a step back and re- adapted our life styles to these simple concepts we could really get a lot further. Say goodbye to the Jonses too. If the people in your life can’t understand your new way of thinking you have to re- evaluate who are the important people in your life. If you have to try to impress people, they aren’t your friends. Friends will stick by you during good time and in bad. No matter what sseason of life you are in. Just a little food for thought.
Save up to $1000 or more a year by buying these items @ The Dollar Tree
20 things you should be buying at The Dollar Tree saving you up to $500 or more a year 1)Hair accessories, clips, barettes, ties, brushes combs 2)Shampoo conditioner and styling products 3)Socks 4)Baby wipes, baby shampoo, baby bottles, lotions, etc. 5)If u have animals pet products, leaches, collars, dog food, biscuits, bones, toys, sweaters 6)Cleaning sprays, wipes, bleach, air fresheners 7)Tupperware 8)Paper plates and paper products 9) stationary, office supplies 10) cards, gift wrap, 11) snacks drinks 12) beauty products like lotions, sunscreen, baby oil, makeup 13) vitamins 14) medicine cabinet over counter meds and bandaids, etc 15) books 16) ziplocks and garbage bags 17) phone accessories, like iphone cases, chargers 18) home decor frames, vases, flowers 19) toys, perfect for party favors, or stocking stuffers 20) frozen foods and pantry items. Some things I frequently buy in this dept…… Pasta Sauces Seasonings Frozen fruit Frozen pancakes and waffles Frozen Sausage Frozen entree for lunches Ravioli canned Olives Canned chicken Condiments mustard, mayo Tea coffee Creamer (they even have specialty coffee syrups like french vanilla make your own Starbucks on the cheap) Hot cocoa Soda Movie candy Popcorn
Save 300-$400 a month just by doing one simple thing….
I decided it was time to re-evaluate my budget when my grocery bill per month got to $750 a month ( yes I got a little off track). I guess with everything that I’ve had going on in my life (divorce, moving, son in the hospital) the stress was too much and I stopped budgeting like I should have been. I used to clip coupons, meal plan, do make ahead meals, etc but all of that took the back burner for a while. So anyhow, now it’s time to put my foot down on spening too much!!!! I’m getting back on track. I have some goals in place (more on that later) and it’s time to make some changes. Here are some ways I am cutting our grocery bill down. One simple thing!!!! Shopping at the dollar tree! If you don’t have a Dollar Tree in your area maybe you have a .99 cent store or something similar. Just by know what to b
uy here you can save hundreds. Here are some of the things that I feel are a good value and I will do a price comparison Dollar Tree vs. Walmart Cream Cheese $1.00 vs. $2 @walmart (we go through a lot of this with bagels and crackers) Snack crackers $1 vs. $3-4 a box Bread or buns $1 vs. $3-4 Sour cream $1 vs. $2 Soda .25 a can about the same right now Juice $1 vs. $3 Pasta $1 vs. $2 Pasta sauce $1 vs. up to $4 Frozen waffles $1 vs. $2-3 Coffee and tea And hot cocoa $1 vs. up to $6 or more Snacks (this is the biggest budget breaker in our house) i would say just buying all your snacks here tou can save $50 a week (assuming you grocery shop once a week) Frozen foods $1 vs. 2 Misc Paper plates $1 vs $2 Tylenol $1 vs. $4 Band aids $1 vs. $3 Coufh or cold medicine $1 vs. uo to $10 Vitamins $1 vs. 4-$9 or more Tupperware $1 vs. 2-$3 See how fast the savings add up? You can basically cut your bill in half every week. I shop about once a week (big shopping trip) and a couple more for misc. items. So basically what I am now doing since the main stores i shop at are Walmart and the Dollar Tree, I am only buying milk, meat, eggs and produce at walmart. Everything else like pantry and household items I’m now getting at the Dollar Tree (not everything depending on sales but most)and I am back to clipping coupons. More on that in another post. Happy saving!
What Does Success Mean To You?
As I was lying in bed I couldn’t help but think about what success is, what it means to me and how we as as Americans define success. I couldn’t help but think about a conversation I had a couple weeks prior with an old friend. The way she defined success didnt sit well with me. She defined success as having a mortgage she can’t afford, a new car every year with a payment that she couldn’t afford ( really if you are financing a car you really can’t afford it let’s be honest), and a recent refi to make her new house better ( move over Joneses). And heres the biggie. She slaves away at a job she hates five days a week… This is success??? Living for the weekend? Buying a beautiful house that you never use and having a family you never see. Is this really what auccess is to most of us? To me it’s not. If you are happy, healthy and you have your bills paid and food on the table you are more successful than a lot of others I would say. I think we really have lost track of the important things in life. We are so consumed with accumulating stuff that we forget to enjoy that stuff we worked ao hard for. Are we working to live? Or living to work? I guess another reason this was running through my mind was becuase of Dave Ramsey. You know, the financial guru that teaches Financial Peace University? Well he was saying so many Americans are working ao hard for their money yet we don’t know how to make our money work for us. This is what we need to learn to change our lives. If we learn to do this we can work less and enjoy life more. So basically how this worka is tthis. If you don’t have the cash for it… You can’t afford it, so don’t buy it! Easy right? Well not really, but it can be if you change your perception. What I mean by change your perception is….stop trying to keep up with the Joneses!!!!! The Joneses are mot going to make that car payment for you. Stop trying to impress people who don’t care. Worry about your life, your financial goals and your own definition of success. I think this lesson has taken me some time to learn myself. It really took going through a divorce, living as a single mom with two boys under four and no help or financial support from my kids’ dad to realize this harsh leasson. I need to cut costs and only spend money I actually have. No credit cards! No car payments! I now live within my means. Not that I didn’t before but I did have a car payment and used credit cards from time to time. I don’t even buy furniture on credit now. I buy nothing on credit. If I can’t buy it then i save up for it. But otherwise I don’t need it. Its more important to pay yourself by saving than to pay a bank interest. Duh, right??? You would think that would be a no-brainer. Why they don’t teach finanical planning and credit to high school seniors is beyond me. I’m sure that would have changed so many peoples lives. Anyhow back to my point. My finances look a lot different. And I can honestly say I am happier and feel a hell of a lot wiser. Funny how divorce does that.😃 I have now cut my budget in half These are the only things I now pay for…. Rent Food Gas Utilites Cable ( this one is going bye-bye soon going to comcast and netflix for movies and t.v) Car maintenance Insurance only liability Misc household expenses Misc healthcare amd beauty products (hello Dollar Tree) Clothing (i have a couple friends that own thrift stores and i exchange clothes with friends So this one has been cut way down i would say $60 a month Kids clothing about $60 a month some months more like this month which will be back to school shopping so atound tjis time and Christmas more like $200. My set expenses are less than $1000 a month which I feel pretty good about. The rest there is some wiggle room. I will be doing some more posts on saving money after divorce as well as saving and earning more as a single mom. 😀
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FREE School supplies @ Staples!!!!
For those of you who don’t already know about this fantastic opportunity. Staples will give you $2 in credit for every empty printer ink cartridge you bring them. You can bring in up to 12 a month. Don’t throw these away! I don’t have a Staples in my area but I’ve been saving them. Gonna use them when I go out of town this week to Reno, NV. They have a great deal on notebooks this week .01 each when you spend $5. I’m gonna stock up on those, pens and some art supplies for my little guy (washable markers) and put some away for Christmas too. Time to stock up!
Frugal Lessons from The Frugal Find
Lesson 3: Dumping Debt By Doing it Yourself
Monday, March 12, 2012
A 12-Month Series by Guest Blogger Julia Wessels, from The Frugal Find
One of the #1 ways to save money is to become debt-free. I know that isn’t a common way of thinking for most Americans, but I believe it’s 100% doable. I’m speaking mainly of consumer debt, student loans, car loans, etc. I understand that in most areas of the country dropping a few hundred thousand dollars to buy a house outright isn’t feasible. If, however, you’d like to pay down debt, you may want to follow my new series over on The Frugal Find called Debt Free in 52.
Here are just a few tips that will help you to dump debt this year…
Can it be MADE from scratch for less?
Paying retail is already out of the question for those of you who are dumping debt, but even with coupons there are some household necessities that can be made cheaper from basic ingredients. I wanted to revisit the various posts we’ve written in the past about DIY household products and Cooking from Scratch recipes such as…
1. Homemade Dog Food Recipe
2. Frugal DIY: Turn Your Magazines into Christmas Bows!
3. Homemade PB&J and Grilled Cheese Uncrustables
4. Homemade Liquid Fabric Softener
5. Homemade Granola Bars
6. Freezer ‘BRC’ Beans, Rice, and Cheese Burritos
7. Homemade All Purpose Cleaner
8. Homemade Dishwasher Detergent
9. Homemade Laundry Detergent
10. Homemade Strawberry Jam
1. Homemade Dog Food Recipe
2. Frugal DIY: Turn Your Magazines into Christmas Bows!
3. Homemade PB&J and Grilled Cheese Uncrustables
4. Homemade Liquid Fabric Softener
5. Homemade Granola Bars
6. Freezer ‘BRC’ Beans, Rice, and Cheese Burritos
7. Homemade All Purpose Cleaner
8. Homemade Dishwasher Detergent
9. Homemade Laundry Detergent
10. Homemade Strawberry Jam
As you can see many of the things we buy can be made for just pennies on the dollar, especially when you find a deal on your ingredients at Grocery Outlet!
Can you FIX it yourself?
Chances are there is something in your life that needs to be fixed, tangibly speaking. I could start a pretty good list myself from the back hatch of our Sequoia that doesn’t open any longer, the 2 small holes in our walls, the small tear on our couch, and on and on. I’m sure several things will quickly come to mind for you as well. When you’re on a budget and paying down debt the last thing you want to do is hire out help for things you could do yourself. I say this within reason—if your husband is working 10+ hour days making a decent wage and the lawn needs to be mowed, paying a local teenager $10 every couple of weeks to get the job done can be a worthy investment.
However, there are very likely tasks that you’ve been putting off for one reason or another. Maybe it’s too technical for you, such as a computer issue or a check engine light in your car? YouTube, Google, and your neighbors are a good place to start when you haven’t a clue where to begin. It’s very likely someone, somewhere, has had the same issue you’re having. In most situations, labor is the most costly expense there is: parts are minimal and elbow grease is free. So the next time you have a broken this or that, consider repairing it yourself – you might find it wasn’t all you thought it would be.
Here’s what I have learned from just doing it ourselves:
1. It’s never as hard as we imagined.
2. It’s never quite as time consuming as we thought.
3. It’s never as costly as we expected.
4. The gratification that comes from a job done with our own hands – priceless!
1. It’s never as hard as we imagined.
2. It’s never quite as time consuming as we thought.
3. It’s never as costly as we expected.
4. The gratification that comes from a job done with our own hands – priceless!
Phone to the Rescue: Ten Hot Shopping Apps
Target Deals and Weekly Coupon Match-ups!03
Target Deals
Target Deals from this week’s ad dated 11/06 – 11/12 is ready! Remember, you can stack Target store coupons with manufacturer coupons.
**ALSO IMPORTANT** I recommend handing the cashier ANY coupons that are for multiple items (i.e. $1 off 2) separately and politely ask cashier to ring them through slowly. Target computers are processing these coupons incorrectly and reducing the amount of the coupon to the value of one item (i.e. items cost $.59 each and coupon is for $1 off 2. Target computers reduce your coupon to $.59!!). Be careful!
Target Coupon Match Up 11/06 – 11/12:
Your city’s prices and coupons may vary. This list is intended to be a guide for informational purposes only and not a guarantee – please verify your coupons and local store circulars before you go shopping and feel free to report any errors with a match up toreport@coupondivas.com – please include the specific coupon and/or item so it can be corrected. Thanks in advance!
Target Match Ups 11/06 – 11/12
*Target is giving away (25) $25 Gift Cards everyday on their Facebook Page now through Nov. 22!
Satin Care Travel Sized Shave Gel – psa. $.99
Less: $.55/1 or $1/1 Satin Care Shave Gel (10/16 PG)
Final Price: as low as FREE!!
Final Price: as low as FREE!!
Extra Gum 15ct. – psa. $.99
Less: $1/2 Extra Single Gum Packs (9/25 SS)
STACK: $1/2 Extra Gum Packs, 15 ct, (TARGET)
Final Price: as low as 2 FREE!!
STACK: $1/2 Extra Gum Packs, 15 ct, (TARGET)
Final Price: as low as 2 FREE!!
Starkist Tuna Salad Pouch 3oz. – $0.87
ALL Baby Bottles including Advent and Playtex – B1G150% – priced $1.09 – $26.99
Less: (2) $1/1 Playtex Infant Product
Or: $2/1 Playtex Infant Product, Receive e-mail Coupon in 24 hrs
Or: $3/1 Avent Multi-pack BPA-FREE Baby Bottles
Final Price: possibly as low as 2 FREE!!
Or: $2/1 Playtex Infant Product, Receive e-mail Coupon in 24 hrs
Or: $3/1 Avent Multi-pack BPA-FREE Baby Bottles
Final Price: possibly as low as 2 FREE!!
Rimmel Cosmetics – psa. $2.24
Less: $1/1 Rimmel London Product (10/16 RP)
STACK: $1/1 Rimmel Cosmetics, Excludes Trial Size (TARGET)
Final Price: as low as $.24
STACK: $1/1 Rimmel Cosmetics, Excludes Trial Size (TARGET)
Final Price: as low as $.24
Trident Splashing Fruit or Splashing Mint Gum 18ct. – psa. $1.00
Less: (2) B1G1 Trident Splashing Fruit or Splashing Mint Gum, 18 ct (TARGET)
STACK: $1/3 Trident Gum Single Packs (9/18 and 10/30 SS)
Final Price: $.25 each wyb 4
STACK: $1/3 Trident Gum Single Packs (9/18 and 10/30 SS)
Final Price: $.25 each wyb 4
Up & Up Disposable Drinking Straws – psa. $.99
Philadelphia Cooking Creme – psa. $2.49
Less: $1/1 Kraft Philadelphia Cooking Creme
STACK: $1/1 Philadelphia Cooking Crème, 10 oz+ (TARGET)
Final Price: as low as $.49
STACK: $1/1 Philadelphia Cooking Crème, 10 oz+ (TARGET)
Final Price: as low as $.49
Lipton Tea Bags 16ct. – psa. $1.09
Select Betty Crocker Boxed Potatoes – $0.89
Renuzit Adjustables – 6/$5
Buy (3) and Total Cost: $2.50
Less: $.55/3 Renuzit Adjustables (11/06 RP)
Final Price: $.65 each wyb 3
Less: $.55/3 Renuzit Adjustables (11/06 RP)
Final Price: $.65 each wyb 3
Up & Up Double Zip Sandwich or Snack Bags 100ct. – $2.49
Archer Farm Crackers 4.5oz. – $2.50
Centrum Silver Ultra 100ct. or PRO Nutrients Omega-3 50ct. – $9.99
*ad states other select Centrum and Caltrate items on sale also!
Less: (2) $3/1 Centrum ProNutrients Supplement (10/16 RP) *exp 11/13!
Or: $2/1 Centrum Ultra or Centrum Silver Ultra OR (10/09 RP)
Or: $2/1 Centrum Adult Product (10/09 RP)
STACK: (2) $2/1 Centrum or Centrum ProNutrients Nutritional Supplement (TARGET)
Get Back: $5 Target Gift Card wyb (2)
Final Price: as low as $2.49 each wyb 2
Less: (2) $3/1 Centrum ProNutrients Supplement (10/16 RP) *exp 11/13!
Or: $2/1 Centrum Ultra or Centrum Silver Ultra OR (10/09 RP)
Or: $2/1 Centrum Adult Product (10/09 RP)
STACK: (2) $2/1 Centrum or Centrum ProNutrients Nutritional Supplement (TARGET)
Get Back: $5 Target Gift Card wyb (2)
Final Price: as low as $2.49 each wyb 2
Up & Up Mouth Rinse 1.5L – $2.99
Up & Up Facial Towelettes 30ct. – $3.34
Up & Up Disinfecting Wipes 75ct. – $3.99
Clairol Nice ‘n Easy or Natural Instincts Hair Color – $5.99
Less: $2/1 Clairol Hair Color Product (10/16 and 10/30 PG)
Final Price: $3.99
Final Price: $3.99
Dunkin Donuts Coffee 11-12oz. – $6.99
Less: $1.50/2 Dunkin Donuts Coffee 11oz.+ (10/23 RP)
Get Back: $5 Target Gift Card wyb (3)
Final Price: $4.82 each wyb 3
Get Back: $5 Target Gift Card wyb (3)
Final Price: $4.82 each wyb 3
Butterball Premium Frozen Turkey 10-24lbs. – $.97lb.
Less: $3/1 Butterball Fresh or Frozen Turkey WYB (4) Stove Top Stuffing Mixes, Heinz HomeStyle Gravy and/or Pillsbury Crescent Rolls
Final Price: as low as $6.70
*Stove Top Stuffing is on sale for $.89, that’s half price from the grocery store!
Final Price: as low as $6.70
*Stove Top Stuffing is on sale for $.89, that’s half price from the grocery store!
Up & Up Powder Formula 40oz. – $17.99
Similac Powder Formula 23.2oz. – $22.99
Less: $2/1 Similac Formula (10/09 SS)
Final Price: $20.99
Final Price: $20.99
Acer Notebook 11.6″ HD LED Display – $197.00
*regularly priced $299.99
320GB Hard Drive, AMD dual-core processor, Windows 7 Home Premium, and 6-cell Battery
320GB Hard Drive, AMD dual-core processor, Windows 7 Home Premium, and 6-cell Battery
Westinghouse 32″ 60Hz 720p LCD HDTV – $197.00
*regularly priced $279.99
XBOX 360 4GB Game System – $199.99
*includes 1 wireless controller
Get Back: $50 Target Gift Card
Final Price: $149.99
Get Back: $50 Target Gift Card
Final Price: $149.99
PS3 160GB Game System – $249.99
*includes 1 controller
Get Back: $50 Target Gift Card
Final Price: $199.99
Get Back: $50 Target Gift Card
Final Price: $199.99
XBOX 360 Call of Duty Bundle – $399.99
*this item is not available until Tuesday and comes with XBOX 360 320GB System, Call of Duty MW3 Game, and 2 wireless controllers
Get Back: $50 Target Gift Card
Final Price: $349.99
Get Back: $50 Target Gift Card
Final Price: $349.99
TOY SALE!!
Dora The Explorer Talking Backpack or Tunes Guitar – $19.99
Playskool Elefun Busy Ball Popper – $20.99
Less: $5/1 Playskool Poppin’ Park Select Toy, Playskool Poppin’ Park Bounce & Ride or Elefun Busy Ball Popper
Final Price: $15.99
Final Price: $15.99
Licensed 3-wheel Scooter – $27.00
*Choose from Cars 2, Toy Story 3, Disney Princesses, or Disney Fairies
Less: $5/1 Folding or 3 Wheel Scooter (TARGET)
Final Price: $22
Less: $5/1 Folding or 3 Wheel Scooter (TARGET)
Final Price: $22
Playskool Tonka Race Along Chuck – $34.99
KRE-O Transformers Optimus Prime building sets – $44.99
P&G Gift Card Deal
Get a $5 Target Gift Card wyb (3) products below!
Select 2pk. Crest Whitening or 3D Vivid White Toothpaste – $5.49
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Or: $.75/1 or $1/1 Crest Toothpaste 4oz.+ (10/16 PG)
STACK: $1/2 Crest 3D White Oral Care TARGET (10/30 PG)
Or: $.75/1 or $1/1 Crest Toothpaste 4oz.+ (10/16 PG)
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Covergirl Single Eye Shadow – $2.98
Covergirl Lash Perfection Mascara – $5.99
Less: $2.50/2 or $1/1 Covergirl Cosmetic Product (10/30 PG)
Or: $1/1 Covergirl Cosmetic Product (10/16 PG)
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Olay Facial Hair Removal Duo – $23.99
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*this would make a decent deal if the Lip Perfection is included!
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STACK: $1/1 Olay Moisturizers or Treatment Facial Care TARGET (10/30 PG)
*this would make a decent deal if the Lip Perfection is included!
TRY THIS SCENARIO!! Please feel free to share your own!!
(3) Covergirl Single Eye Shadows – $2.98
Total Cost: $8.94
Less: $2.50/2 Covergirl Cosmetic Products (10/30 PG)
AND: $1/1 Covergirl Product (10/16 and 10/30 PG)
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Get a $10 Target Gift Card wyb (2) Blu-Ray Movies Below
Scott Pilgrim Collector’s Edition – $17.99
Kick-Ass – $17.99
Get Him to the Greek – $17.99
Skyline – $17.99
Disney Nature Oceans – $17.99
Country Strong – $17.99
Rush Hour 3 – $17.99
Gone in 60 Seconds – $17.99
The Tourist – $17.99
31 Days of Saving from Money under 30
31 Days of Saving
By 9 Comments
Whether you want to start saving, add to existing reserves, or beef up an already brawny bank account, here are 31 savings tips to give you a month of tightwad tactics.
1. Pay your bills online. You save a stamp each time, plus some lenders will knock off up to a point of interest for automatically debited payments.
2. Re-wear your clothes. Unless you’re out sweating in the sun, don’t wash your clothes after every wear. Try to do laundry just twice a month.
3. Grab leftovers. Whether from work, family, or dinners with friends, most left-over food goes to waste; unless you take it for lunch tomorrow!
4. Use the library. We read most books only once, so why buy them? Libraries often have movies to borrow and free internet, too.
5. Use cash. Withdraw the exact amount you will allow yourself to spend every week, and just pay cash! This tip is 3-for-1. You’ll save on credit card interest, ATM fees, and you can put the cash you don’t spend back into savings.
6. Carry only what you’ll spend. Now that you have taken out your weekly allowance, leave the house with only the money you want to spend. Whether it’s $5 for lunch or $50 for dinner and drinks, you will preempt the chance to overspend.
7. Never spend one dollar bills. Have you ever thrown all of your loose change into a jar and six months later found you had $50 or $100 saved up? Try paying for everything with a five or higher, and put those singles aside. When you hit $100, take it back to the bank!
8. Drive slower. How fast you drive, not just what you drive, can improve fuel economy. Drive slower, more smoothly, and brake less often. My father proved this on his mega-long daily commute. By maintaining 65 MPH or below he squeezed a couple extra gallons out of each tank at the cost of only a few minutes each way.
9. Drive less. Tough if you live outside a city, but possible. Plan to do errands just once a week instead of driving out every time you think of something, hitch a ride with a friend (or your honey) when able, or pick up a cheap bike!
10. Kill the coffee… Or make it yourself. You can even learn to make your own iced lattes.
11. …and the fast food. Now that you can swipe your Visa at the drive-thrus, those burgers are dangerous to your waist and your wallet.
12. Limit the climate control. If you’re like me, you spend most of your time in a very small area in your home. Only use AC (if you must) in a small room. You can even save money in the colder months by turning down the heat and using a space heater where you work or sleep.
13. Limit cleaning supplies. Bleach or a simple antibacterial cleanser can clean almost anything in the house. No need for five different products. Plus, save on paper towels by using old newspapers to clean windows and surfaces.
14. Shop with a list. Never leave for the grocery store (or any store) without a list. Stick to it, and know how much the total should run. Impulse buys can wreck your budget!
15. Unplug it! Disconnecting household items as small as your cell phone charger can save you electricity dollars and reduce your use of unneeded energy. What else can you take off the grid? Computers, toasters, coffee pots, and other appliances all draw some power, even when not turned on.
16. Look for freebies. I hate clutter, so I rarely take “free stuff” unless I can actually use it. But some things I do use: little hotel shampoo bottles, sugar packets, pens and napkins.
17. Tax yourself. Sales taxes make money for the government and, sometimes, discourage consumption of certain resources (i.e. oil). Why not tax on yourself? When you buy something, contribute 5% of the cost to savings. You’ll save more and spend less as you ponder that 5% tax!
18. Eliminate subscriptions. Pay for what you use, not for monthly subscriptions and contracts. Cancel magazines, newspapers, even gym memberships and cell phone contracts unless you absolutely need them.
19. Give homemade gifts. Don’t buy other people crap they don’t need! Give a useful gift card for a birthday, a framed photo for the holidays, or a homemade cookbook as a wedding gift.
20. Decorate on a dime. When decorating your pad, skip the chain furniture and design stores in lieu of dollar stores and yard sales. With a little creativity, you will be the only one who knows where your decorations came from.
21. Plan an off-peak vacation. Want to get your next vacation for half price? It all depends on when you go, and when you book. Head to Europe in the winter, Florida in the spring or fall, and enjoy your local sights during the summer. Book six months out and avoid weekend flying, and save a bundle.
22. Don’t buy bottled water. If your tap water tastes funky, invest in a good filter and refill your water bottle. Prefer a sweeter drink? Buy bulk Gatorade or lemonade mix. You’ll save tons over grabbing individual bottles at the seven-eleven. Need some other reasons to give up bottled water?
23. Make your credit card work for you. Play the credit card game to find 0% balance transfer offers if you have outstanding debts. Once you’re out of debt, cut up all but one credit card that has a grace period and cash-back rewards program. Then, pay off your balance in full every month and save your rewards. (Any rewards but cash will just get you stuff you don’t need!)
24. Buy second hand. The only thing you might not want to buy used is a mattress. With Craiglist and eBay, it’s impossible to make excuses for not shopping second-hand.
25. Buy quality. Even when shopping second-hand, pick products that score well with ratings groups like Consumer Reports. If something you buy wears out in a year and you need to replace it, you wind up paying more than you would have for a quality model.
26. Learn to love your freezer. Try not to waste food. You can freeze almost anything, even bread and milk. Invest in some airtight freezer containers and a label maker and portion out leftovers when you cook. You could have a week of meals for less than $2 each versus spending between $5 and $10 on lunches out.
27. Turn off the TV. Marketing is everywhere, and it’s subliminal. Limit your TV timeand train yourself to question every marketing message you see. Even sales and special pricing at the grocery store may not be as good as they appear. Most likely they’re just trying to get you to buy more than you need.
28. Stop junk mail. Reduce your waste and eliminate the tempting marketing messages (especially for credit cards) pouring through your mail slot. Get off marketers’ direct mail lists. Write to them asking to be taken off, or get a service likewww.greendimes.com to do it for you.
29. Find multi-purpose tools. Simple, time-proven household items will substitute for many more expensive single-function gizmos. Use clothespins to hold food items closed or organize stacks of paper. Learn to cook with nothing but a knife, a skillet, and a pot.
30. Plan your month. At the end of the month, make a plan for next month. Make a budget, but also plan a menu so you can go to the store fewer times and save on impulse purchases. To some extent, plan how you’ll spend your money on entertainment. If you know you’ll have a weekend away at the end of the month, think of how you can save some extra cash until then.
31. Learn to enjoy “zero-sum” moments. It occurred to me the other day that we spend most of our time either making or spending money. During much of the past two years when I have worked two jobs, it seemed like the only time I wasn’t working for money or spending some was when I was asleep.
Yet with all this money flying around, my happiest moments are free. Walking in the woods, lying on a beach, reading a good book, or doing something I love like painting or playing the guitar.
Make more time for free activities like these, remember how much you enjoy them, and remember that they’re free.
