Tips to Reign In An Out Of Control Family Budget: Let’s Start in the Kitchen!

707538835876fc5c438018d57701bc2f.jpgUntil the end of the year, I’ll be posting some articles with realistic tips and methods to save money and reign in spending. None of these are going to the same old “Clip coupons, grow your own garden, etc.” that’s all over the internet- and honestly, here in Southern California, the old, standby advice isn’t going to help you. Grow a garden to save money? Water is so expensive here!

Clipping coupons and shopping grocery store sales/circulars will save you a fraction of the amount that it used to. In years past, I was saving 60-80% with coupons and store sales. Now, I’m lucky to save 50%.  With all of the restrictions on coupons (example: limit one like coupon per day- LAME), stockpiling to save money isn’t always possible without a lot of work/trips to different stores (and that’s not saving time). We’re moving past that, and delving into other ways to save money and take advantage of opportunities that are out there.

Today we are going to start with my pet project: Saving in the kitchen! If you feel like you’re spending too much money on food and groceries, here are my recommendations for getting the grocery spending under control:

  1. Go through your refrigerator/freezer and pantry. Make a note of the food that you have on hand. I like using the kitchen inventories here. This will also give you an opportunity to clean out food from the kitchen that has expired or that you won’t eat. Unexpired food that you won’t eat, can be donated to a local charity.
  2. Now that you have a handle on what you have in your kitchen, take a look at the list and come up with some recipes or meals that can be created with what you have on hand. You’d be surprised by how many meals you have in your kitchen! Make a list of the meals that you can make with what you have. And plan on having one or two of those per week. This will help keep grocery spending down. Make a list of meals that you can make but require one or two ingredients (like fresh vegetables), and add those ingredients to your next few shopping lists. By relying on what you already have in your home, you will be keeping your out of pocket down.
  3. Before you head to the store, take a look at the sale flyer which is available online, and see what is on sale. Plan meals around food that is in season and on sale. Continue to use coupons, but don’t go out of your way to subscribe to multiple newspapers per week to get a hold of lots of the same coupons.  Don’t forget rebate apps! Use of these apps gets us $10-$20/month cashback, sometimes double that, depending on what bonus offers are available- Fetch Rewards and Ibotta often have Bonus offers.
  4. Track your spending over a few weeks to see how much you are spending, and what you are buying. If you still find that you’re spending a lot of money on food, I would try shopping at a different store. I find that even with club card sales, and rebate apps like Fetch Rewards, some grocery stores (like Vons) are just too expensive to do my weekly shopping. I love starting my shopping at $.99 only. I am able to get a lot of snacks, name-brand treats, and fresh fruits and veggies there, and I am still able to stay on budget. Another fun place where I save money is Grocery Outlet. They have great prices on cheese, fruit juice, coffee, and frozen meat. They also have an interesting selection that changes weekly: snack food, protein bars/cookies, and cereal. If you are in the military, a military family, or a veteran, consider shopping at the commissary. Here is my article about saving money at the commissary. 
  5. Consider cooking more from scratch. It is healthier, and pantry stables are generally pretty cheap (the ingredients for a batch of chocolate chip cookies runs about $3.00 and yields 4-5 dozen cookies, while a package of chocolate chip cookies from the grocery store is about $4.00+ and is usually 3 dozen or so).  I buy fruits and veggies whole and break them down and pack them into serving size bags. You can learn more about that and Batch Cooking here.

If you are still having a hard time keeping your grocery budget in check, or if you are finding that the ends don’t meet, consider the San Diego Food Bank Neighborhood Distribution Program. No documentation is needed to receive food assistance from a
Neighborhood Distribution site where people can receive fresh fruits, vegetables, and bread, based on availability. Families are encouraged to bring reusable bags or
a cart with them to carry the food items.

There are programs out there to help those struggling to feed their families here in San Diego County. Here is my list of San Diego County Food Resources.

I work very hard to keep my family on a budget, I work very hard to make sure that we are saving money and taking advantage of as many deals and opportunities that present themself. I know that this is not something that everyone wants to do or something that everyone can do. There are so many programs and discounts out there available for various groups of individuals.

Tomorrow, we’re tackling saving money on the entertainment budget.

New Month, New Coupons (The Last One of 2019)!

file000786402730This is a few days late, because, well… The coupons as of late haven’t been too great. But I’d be remiss if I didn’t remind you at the very least to check your money-saving apps to add new offers.

A new month means new printable and electronic coupons!

Check out the following sites:

One of my favorite websites is the Sunday Coupon Review.  It helps me plot out scenarios in advance and I can email friends to ask for coupons in advance. Remember if clipping coupons isn’t your thing, but saving money is, check out my list of Smartphone apps that can save you the big bucks! New offers are added on the Smartphone Savings Apps all the time!

Here are a few of my favorite new coupons:

Save $2.00 on any ONE (1) BOOST® Nutritional Drink or Drink Mix

Save $1.00 on any TWO MorningStar Farms® Veggie Foods Products

YMCA of San Diego County- Cyber Monday Deal!

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We love our local YMCA- They have great exercise classes, awesome free events for members and the community, open gym for the kids to run and play in the gymnastics area three times a week, an activity pool that is open in the spring and summer, and I could go on and on.

We go to the Y 4-6 times a week for exercise and so the kids can play and socialize- this is a HUGE help during school breaks because the kids club/child watch has great programs and play opportunities- and it’s included in the price of membership. And it’s so much more than the kid’s area at most chain gyms. The folks at child watch and kids club do crafts, lead games, read stories, and teach the kids how to play new games, and take them into the gym area to bounce on the huge trampoline!

Today Only, December 2nd- Cyber Monday, New members pay no joining fee if they join online using our special My Y Code CYBR19. Your friend will save up to $60! And if you are a member and your friend mentions your name at sign up,  you’ll get a free month of membership! If you are going to sign up, mention my name, Abby Hewes. Any way we can save money helps our families bottom line!

For our family, YMCA is definitely frugal: for $75/month, I am able to go to the gym for 2 hours a day and the kids can go to play and have fun. Any of our other local gyms can’t touch that price, and they don’t have the other programs or benefits.

The YMCA offers scholarships and reduced monthly membership fees for military families, families that receive WIC, and many other programs- don’t forget to ask about them!

And if you are the parent of a special needs kid, let me tell you that our local Y has the most wonderful, caring staff that cares for all kids. My big kid is autistic and he loves going to Kids Club to hang out and play. He also loves the monthly Kids Night at the Y.

MyPoints: Earn Points with Ease While Grocery Shopping!

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I’ve been a member of MyPoints for Eight Years! I just found out yesterday that MyPoints has a point-earning opportunity while we grocery shop!

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It’s super simple:

Add Deals to Your List: With hundreds of exclusive deals to add to your list from your favorite stores, keep your cash for when it counts.

Shop In-Store: Purchase products from Your Shopping List (at eligible stores) to earn Points. Act quickly before offers expire!

 

Upload Your Receipt & Earn Points: By purchasing select items and submitting your receipt, shopping is simplified.

These deals are only good at select stores, so check on each offer before adding it to ensure that you can redeem it at a store near you.  Here is an example of one of the offers:

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Each offer has it’s own terms, including at which stores the offer is valid. While this won’t replace my use of any of my other apps, it is a nice addition.

New Month, New Coupons!

file000786402730Here is your monthly reminder!  A new month means new printable and electronic coupons!

Check out the following sites:

One of my favorite websites is the Sunday Coupon Review.  It helps me plot out scenarios in advance and I can email friends to ask for coupons in advance. Remember if clipping coupons isn’t your thing, but saving money is, check out my list of Smartphone apps that can save you the big bucks! New offers are added on the Smartphone Savings Apps all the time!

Here are a few of my favorite new coupons:

Save $1.25 on any ONE (1) 1850® Ground or Whole Bean Coffee Product

Save $1.50 on ONE (1) jar of Mezzetta® Pasta Sauce, 16.25 oz or larger

Save $2.00 Any ONE (1) JOHN FRIEDA® Product

Save $3.00 when you spend $18.00 on KLEENEX® Product.Expires 12/31/2019.Save $3.00.

Save $5 when you purchase $25 of Kellogg’s® Cereals (8.4 oz. or Larger, Any Flavor, Mix or Match).Expires 12/30/2019.Save $5.00.

10/25/19 Freebies and Deals!

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Woo Hoo! Friday means Freebies and deals!

Free Food:

Free Health and Beauty:

Free Magazines:

Free In-store & Events:

And Now The Deals:

Save with Target Circle!

Screen Shot 2019-10-16 at 10.04.12 PM.pngTarget is at it again! First Target RedCard (learn about it here as well as my other tips for saving at Target), and now Target Circle!

How it works: When you check in with Target Circle™ and pay with RedCard™, you’ll earn one vote to help direct where Target gives for every eligible purchase and continue to save 5% right away. Plus, you’ll redeem your saved offers if you check-in before your purchase.

Not using your RedCard? When you check in with Target Circle™ you’ll earn 1% to redeem at Target later instead of saving 5% right away.

It works online and the Target App too!

In addition to saving, you’ll earn a birthday surprise, and special deals and offers tailored to you and your previous purchases. All the details can be found here.

Such a Deal! Sam’s Club – Join for $45 Get $50 in Savings

If you have Sam’s Club location near you, check out this awesome deal!

Join for $45 and get $50 in savings.

GET A $20 GIFT CARD AND $30 IN INSTANT SAVINGS:*

  • Member’s Mark™ prepared entrees ($9.98 avg retail value): $9 off each; any two
  • Member’s Mark™ Soups ($5.98 avg retail value): $5.50 off each; any two
  • French Bread or Baguette ($2.98 avg retail value): FREE, Limit 1
  • Must scan free item to apply Instant Savings.

I’ve heard that our local Sam’s Club is a great place to save money!

Fashion Friday: Sweaters 50% Off Lowest Marked Price + FREE Shipping

Sweaters

Friday means Fashion Friday from Cents of Style!

The cutest sweaters all set up and ready to go!!

These sweaters are to die for, meeting all of the fall fashion needs…ease, comfort, and style! Today until Tuesday at midnight your readers can take 50% off the lowest marked price + FREE shipping! There are 12 styles to choose from (one for each day of the week, with 5 extras just in case! Haha) and starting at $19.97 SHIPPED! These styles are new and on-trend!

Remember to use Coupon Code: SWEATERS50 at checkout.

Here are a couple of my favorite styles:

Sweaters

Sweaters

Sweaters

10/11/19: Weekly Freebies and Deals!

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Woo Hoo! Friday means Freebies and deals! There are a lot more freebies and deals this week. I’m excited to share!

Samples

In-Store Events/Freebies

Magazines

Deals