Day: May 23, 2022

6 Small Ways to Trim Your Out of Pocket

Abby H.

With my work year coming to an end, I need to trim my budget. It looks like my monthly income is about to be cut in half. I applied for a summer school job, but I haven’t heard back one way or another, so I’m guessing I didn’t get the job and I need to prepare for that.

There are fun activities that the kids want to do this summer, and they all cost money, so I need to trim a bit more so we have the opportunity to have some fun.

Here are a few ways that you (and I) can save some money and free up room in our budget this summer.

Start by looking over your family budget. Is there anything you can dump? Streaming services you no longer use, monthly subscriptions that no longer serve you? For us, we are dumping Netflix next month. We no longer use it enough to justify the $20/month. Feel like you are overpaying for your cellphone or other services, look into switching carriers or plans. If you don’t have a family budget, here is an easy way to put one together.

Use It Up, Wear It Out, Make It Do, or Do Without. This is an oldie, but a goodie. And by this statement, I mean that use what you have on hand. Eat the food in your kitchen (meal planning can help with that), wear the clothes you’ve got, and repair them as needed. Don’t forget that there are groups like Buy Nothing, where you can share and receive goods and services from those in your neighborhood. It’s hard to not want to keep up with the Joneses, especially in our society where it seems like everything is based on presentation and showing off what you’ve got on social media.

Take advantage of programs in your community. There are so many free and low-cost programs meant to help families during this time of unprecedented inflation, low wages, and other social issues that contribute to financial instability. Here in San Diego County, there are resources for free food and free clothing. 

If you have someone in your family who requires electricity for their medical devices or if you are low income, check out your local power companies website to learn about discounts you may be eligible for. This post has details and more tips.

If you are looking for some free summer fun for the kids, there are events like Kids night out, and summer reading programs.  And in California, there will be free breakfasts and lunches for kids under 18 throughout the summer through schools and local parks and rec. As soon as I have more details on those, it will be a separate post.

My final tip- Don’t be embarrassed to ask for help. There are so many programs and resources out there to help. Even if you feel like there are people and families out there who “have it worse”, you deserve help. This isn’t a “who has it worse” situation. Everyone deserves to live a good life. Take advantage of opportunities that come your way.

Talk Back- If you have tips or tricks to help with lowering your Out of Pocket, I’d love to hear it!

 

Earn Cashback at Walmart with Zarty!

Abby H.1 Comment

I learned about Zarty on Reddit last week. I downloaded the app, and had to try it for myself. Last night I went to Walmart and decided to give it a shot.

There are three parts to earning cashback with Zarty.

  • First, scan the product in-store before you buy it.
  • Then scan the receipt after purchase, and answer a few questions.
  • Finally, a few days later, answer some additional questions about your experience with the product.

Some products have a 100% cashback rebate in the form of points. This week, it’s frozen veggies and crescent rolls. There was a Snickers bar too, but I missed out on that by a few hours.

What I like about Zarty is that it’s super easy to use. Once you earn 10,000 points you can cash out for a $10 Walmart Gift Card.

That’s it. It’s simple, it’s easy, and you can use it with other cash back apps. You earn points every time you scan in a Walmart receipt too, even if you don’t have any offers on your receipt.

We don’t have a great Walmart in our city. It’s not a supercenter or neighborhood market, so they don’t have a lot of groceries, but if you live in an area with either of those and you shop there, this app may be a really great way for you to earn even more cashback.

There is no referral link or code to download this app. Just go to the app store or Google Play store and download the Zarty app to get started!

5/23/2022 Weekly Meal Plan

Abby H.

0a5e9dab796cea8a07eabe4eb4795b9e.jpg

This is a short meal plan week for me. I’m taking the big kid camping starting Wednesday afternoon. We are going to Potrero War, run by our local SCA branch. I’m on staff, so we are going early.

I went to the store last night and picked up some goodies to get us through the week. Little Bit and her daddy are staying home. She is not outdoorsy.

I’m so excited because our JUMBO CSA box is arriving today while I’m at work. That means this afternoon I’ll be prepping fruits and veggies to keep us healthy and fed for the week. I’m taking about half of the veggies with us to cook while we are camping. We cook a lot over charcoal in dutch ovens, and I’m excited to see how some of my recipes at home turn out in a dutch oven!

Our veggies and fruit are delivered by Yasukochi Family Farms CSA. For $28, it’s a great deal. I don’t have to pick anything, go to the store, or carry it upstairs. I can’t go to the store and get the same amount we get weekly for $28. Seriously. It’s a deal. They email a preview of what will be in the boxes over the weekend, so I can start thinking about what I’d like to make.

I went to the grocery store last night to pick up milk and some misc. groceries last night. With the increase in food costs, we are leaning more and more on our CSA box each week as the base of most of our meals.

We’ve been trying a lot of new foods lately, thanks to the really great freebies from Social Nature lately too. It’s fun to try new foods.

For those of you that are new to meal planning, I’ve got an easy 101 style post here with super easy tips and steps. After you get that down, here is info about batch or freezer cooking.

I’ve gotten a pretty good inventory of the pantry, freezer, and fridge done (I try to update it after every shopping trip), so I’m able to plan meals and use up what we’ve got with little waste.

I only post our dinner plans for the week, because our other meals are usually the same each day.

Breakfast: Coffee with 1/2 and 1/2  for me, and pancakes or something along those lines for the kids. They are also into fruit and bagels for breakfast. Lately, the big kid has been digging protein shakes in the morning. This is his favorite kind. 

Lunch: I have a plastic tote in the cupboard full of self-serve snacks. I buy treats and snacks in bulk and fill up snack-sized zip-top bags. I’m back to packing lunches again. However, school lunches are free this year- Little Bit has been buying her lunch and expanding her palate.  The big kid still brings lunch from home.

Dinner: I picked up our Dream Dinners order last week, and we’ve got a couple on deck for this week. I’m leaving a lot of prepped foods for the rest of the family to enjoy while we are out camping.

    • Monday: Nug night- crinkle fries, apple slices & strawberries
    • Tuesday: Lemon Feta Turkey Sliders with Crispy Shoestring Fries, green salad
    • Wednesday: Breakfast for dinner (eggs, pancakes, fruit)
    • Thursday: Pasta with roasted veggies
    • Friday: Takeout night!
    • Saturday:  Leftovers
    • Sunday:  Quesadillas, beans, rice, green salad