frugal

What is overage? (or how I score groceries for free)

Abby H.1 Comment

DSCN7877Overage is a wonderful thing. If you read deal blogs or watch Extreme Couponing on TV, you’ve heard the term, but maybe you aren’t familiar with the meaning.

Overage is money that you receive back, either as cash in hand or money off the rest of your order when you have a coupon whose face value is higher than the price of the items.

Most grocery, drug and mass merchandisers do not allow overage. They will adjust the value of the coupon to make the items free. Walmart, however, does allow for overage. This means I shop at the largest Wal-Mart closest to us, because it has a huge grocery section.  I usually go once a month.

For those in the military or who have base privileges, the commissary also allows overage.

The secret to getting the overage is to purchase the least expensive item allowed by the coupon. Often times, this means the smallest item allowed. If there are no size restrictions, this means you might be able to use a coupon on a travel or trial size! Check all of the fine print on your coupons.

For example, I received 2 coupons for $10.00 off any Butterball item (I won them in a contest online) and this is how I used them:
2 Butterball Turkey Burgers $6.98/each

  • -2 $10.00 any Butterball Turkey product coupon
  • = $6.04 Overage

Generally, I use overage to purchase items I did not have coupons for (usually fresh fruits and vegetables).

If you are looking for some recent coupons that might provide you with some overage at Walmart, Paul over at I Heart The Mart has an awesome list of items at Walmart for $1 or less. 

What have you scored recently for free or received overage on?

Coupon Basics: Categories for your coupon storage system

Abby H.

I’ll be posting a series of articles on couponing basics and how to get your coupons organized so that you actually USE THEM and save money (ya know, instead of just collecting dust and eventually getting recycled).

So let’s get started by talking about organizing your take to store coupons. I use a small accordion file like this:Screen Shot 2015-12-18 at 8.19.01 AM

I tend to organize my coupons based on how my favorite grocery store is laid out.

Here is a sample layout of a grocery store:Screen Shot 2015-12-18 at 8.27.39 AM

I have given examples for each category:

Fruit and Vegetables- includes Bagged Salad, pre-cut fruit and vegetables, dried fruit, refrigerated soy products

Sauces / Dressings / Condiments- includes Mayo, mustard, BBQ sauce, salsa, salad dressing

Canned Goods & Soups- includes Canned beans, canned raviolis, canned tuna or chicken, canned or powdered soup and Ramen.

Pasta / Rice / Boxed Meals- includes Spaghetti, noodles, Hamburger Helper, Asian or Italian style boxes meal kits (such as Tai Pei or Romano’s)

Cereal / Breakfast Foods/Juice- includes Oatmeal, cream of wheat, juice boxes, bottled juice, Instant Breakfast

Flour / Baking / Oil/ Mixes/ Spices- includes cake/brownie mix, Bisquisk, graham cracker pie crusts, Jello and pudding, spray release, flour, white and brown sugar, Splenda

Beverages- includes soda, energy drinks, sparkling water, diet drinks, powdered beverage mixes (Kool-aid and Crystal Light), chocolate milk mix (liquid or powdered)

Meat- includes fresh or frozen beef, chicken, turkey, pork, lamb, fish, sausages/brats, pre-packaged cold cuts, breakfast sausage (link or patty), bacon, ham

Frozen Food- includes frozen veggies and fruit, pizza, diet foods (such as Lean Cuisine), individual and family sized entrees, ice cream, popsicles, frozen meat free  alternatives, ice

Dairy- includes milk, cheese, sour cream, cream cheese, yogurt, cottage cheese, eggs, coffee creamer, butter, margarine/spread, pudding/jello cups, tubes or packages of cookie dough, canned dough

Cookies/ Crackers/ Snacks- includes pre-packed portions (such as 100 calorie snack packs), cookies, crackers, popcorn, chips, pretzels, nuts, trail mix

Baby- Includes formula, diapers, wipes, baby care products, baby food and toddler food and snacks

Bakery/Bread- includes bread, tortillas, pita, sandwich thins, English muffins/crumpets, bagels, rolls, donuts, croissants, French bread, freshly made cookies, cakes and other desserts

Deli- includes deli Meat, cheese, hummus, fresh guacamole, fresh salsa, bagel chips, packaged specialty cheeses (Goat and blue cheese), hot and cold deli salads and foods (such as fried chicken, rotisserie chicken, take and bake pizzas, salad bar, olive bar, freshly made sandwiches)

Personal Care / Medicine- Includes over the counter medications, shampoo, conditioner, body wash, tooth paste, tooth brushes, hand soap, loofahs/bath poufs, bubble bath, lotion, shaving cream, razors, feminine products

Paper Goods / Containers- Tin foil, plastic wrap, disposable food containers, toilet paper, paper towels, paper napkins, plastic silverware, paper plates

Cleaning / Other Household Supplies- dishwashing liquid, dishwasher detergent, home cleaning products (pine-sol, ammonia, bleach), laundry detergent, mops, sponges, brooms and dustpans, candles, scented home sprays, air fresheners.

Miscellaneous- You can use this section for restaurant coupons, specific store coupons, rebates.

New Year’s Resolution #5 & #6 Exercise & Lose Weight

Abby H.3 Comments

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Throughout December, I’m going to be posting about New Year’s Resolutions. Each post will have tips and tricks to help you navigate through your resolutions to become more successful at all of your frugal endeavors!
The Number 5 & 6 New Year’s Resolutions on most top ten lists are: Exercise and Lose weight.  I decided to tackle both of these at the same times since they can go hand in hand.

I am not a doctor or dietician.  I will share with you what works for my family, but YMMV, and remember to go to the doctor and get the OK before starting to exercise or diet. Seriously.

#5: Exercise without breaking the bank:  Starting in probably 2 weeks, even before January 1st, there will be ads in the paper, magazines, on the internet and of course commercials on TV advertising free 7-day trial passes for every gym on earth.  Take advantage.  If you haven’t worked at a gym in a long time, or are thinking about joining one, Check out a bunch of different gyms and see which one is a good fit for your goals.  BTW, when those free deals go live, you know I’ll be posting them.

If you aren’t a gym person, check out your local parks. Lots of parks in our local area have special walking loops and even fitness stations (Mast Park in Santee has both!). Other parks in San Diego with fitness/exercise stations include: Mission Bay Park,  Embarcadero Parks North & South, Tidelands Park near the base of the Coronado Bridge as you arrive in Coronado, Hilton Head Park in Rancho San Diego, Chollas Lake Park, and Morley Field (near Balboa Park). If your local park doesn’t have a fitness course, play on the jungle gym or go for a walk!

Luckily in So. Cal. we are blessed with pretty good weather, so outdoor exercise is almost always an option. On those extremely rare days where the weather sucks, try indoor mall walking.  I know, it makes me sound like an old lady, but when it’s cold or rainy, I strap the kiddo in the stroller and we walk a few laps over at Parkway Plaza. A few laps around the mall and I’ve gotten almost 4 miles under my belt! There is also a play area where the kiddo can let his energy out while mama recuperates.

Everything seems to go better with a partner in crime- enlist the help of a friend or family member.  Exercise with a buddy.  Go for a walk, look at holiday lights.  Keep each other accountable!

#6: Lose Weight without losing your shirt.  Losing weight doesn’t have to cost a fortune.  Here are some tips, tricks and deals you can use to save while you lose.

Sign up for free websites that can help you be accountable: Spark People is a great site that can help you track your calories and exercise. I also like Map My Run.  It helps you log activities and gives you a rough idea of how many calories you burn when you are active. And you can use it to log all kinds of physical activity, not just running! I also use Achievement– It syncs with your fitness device and you earn points for being active, logging water and food in your device. Points are redeemed for money via paypal.

If you are changing your eating habits, your doctor may recommend that you take vitamins.  And they can be expensive.  Keep your eyes open for sales at the drugstores in January and there will be coupons too!

There will be tons of sales and coupon available in January for healthy foods and supplements!

What are your frugal  tips and tricks for exercise and losing weight?  I’d love to hear from you!

Free Mug from Tiny Prints!

Abby H.

I am excited to announce that today and tomorrow TinyPrints is giving away a Free Magnet, 11 oz. Mug, Notepad, or $15 credit towards your Gift or Home Décor purchase, plus enjoy 30% off Holiday Greeting Card and Holiday Party Invitation orders using the code TPFREEGIFT at checkout! Your Choice!

I’m def. picking up another photo mug- they make very popular gifts with our family! Here is the mug I made for Hubs recently:

 

Screen Shot 2015-12-13 at 12.15.59 PMI’m off to make another one!!

Here is the fine print: Offer expires 12/14/2015 (11:59 P.M. PT). Enjoy one (1) free magnet, 11 oz. mug, notepad, or $15 credit towards your gift or home décor purchase, plus enjoy 30% off holiday greeting card and holiday party invitation orders using the code TPFREEGIFT at checkout. There is no minimum purchase required for this promotion. Free offer applies exclusively to magnets, 11 oz. mugs, notepads, gifts and home décor and is not applicable to previously placed orders, shipping, taxes, rush processing charges, gift certificates, personalized postage stamps and personal stationery. The 30% off promotion applies exclusively to holiday greeting or holiday party invitations and is not applicable to previously placed orders, shipping, taxes, rush processing charges, or any other product available on TinyPrints.com. This promotion code cannot be combined with other offers. Offer cannot be redeemed more than once per account and/or billing address. This particular offer code can only be redeemed once. Offer is only valid on Tinyprints.com and is not applicable on third party or partner websites. To prevent fraud or abuse, we reserve the right to discontinue or modify this offer or cancel any order.

New Year’s Resolution #4- Spend More Time with your Family (without breaking the bank)!

Abby H.3 Comments

Throughout December, I’m going to be posting about New Year’s Resolutions. Each post will have tips and tricks to help you navigate through your resolutions to become more successful at all of your frugal endeavors!
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The Number 4 New Year’s Resolution on most top ten lists is: Spend more time with your family.

There are lots of fun, free or low cost activities you can do with your family.

  • In San Diego, there is free museum Tuesday in Balboa Park.  Here is a list of museums that are free and when they are free. 
  • Also in San Diego, October is kid’s free month at tons of museums, parks, and attractions (including the zoo!!). Here is a list of events and attractions that were free in October 2012.
  • Lots of Daily Deal sites have free credit when you sign up to defray the cost of your first purchase.  Here are just a few that I use and really like:
    • LivingSocial- They sell local gift certificates (like Groupon) as well as merchandise. When you sign up, you’ll receive a credit (it varies, but it’s usually between $5-$15).
  • Instead of eating out at full price, use coupons from websites like Get1Free, or if you’ve got an Entertainment book, USE IT!
  • If you’ve got kiddos, check out these great lists of restaurants where Kids Eat Free. For San Diego restaurants where kids can eat free try here, here, here, here, and here.
  • Is your birthday coming? Of course it is…. Well, then check out this post about Birthday freebies!

There are fun, free events all year long for the family. Here is a list of just some of the holidays each month:

  1. January: New Year’s Day, MLK Day
  2. February: President’s Day, Some communities have Valentine’s day events too.
  3. March: Saint Patrick’s Day, Mardi Gras
  4. April: Easter
  5. May: Memorial Day and Mother’s day
  6. June: End of school/beginning of summer events, graduation, Father’s Day.
  7. July: Independence Day
  8. August: Back to School, Labor Day
  9. September: Back to School
  10. October:Halloween
  11. November: Thanksgiving
  12. December: Hanukkah, Christmas, Kwanza

New Year’s Resolution #3- Live a richer, fuller life (without spending more money)

Abby H.3 Comments

Throughout December, I’m going to be posting about New Year’s Resolutions. Each post will have tips and tricks to help you navigate through your resolutions to become more successful at all of your frugal endeavors!
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Of the Top Ten New Year’s Resolutions, number three on several lists is to live a fuller life.  What does that mean?  Get out, do more.  Don’t just sit on your couch, watching WWE and eating microwave popcorn. Of course, I want you to get out there and live it up, but, I don’t want you to spend a lot of money.

Here are some tips to live better and keep your budget in check.

  • Use all of the perks and benefits afforded to you by your job.  Some employers offer on site gyms, discounts on cell phone contracts, discount movie tickets, discount attraction passes.
  • Take advantage of free community events.  Check your City’s local Parks and Recreation Department website for free movies in the park, city events around holidays (Our local municipal Lake has a fun Easter event each year that is free).
  • Speaking of Parks, use of community parks is free.  Take a picnic, go for a walk, heck, go play on the playground equipment! Some local parks have walking trails or exercise paths.
  • Many businesses offer discounts to military, seniors, and other professional groups. Don’t be afraid to ask!
  • When you go to the doctor or dentist, don’t be afraid to ask for samples of medications or toothpaste/floss. When we take Lil’ Man to the pediatrician for his wellness check ups, she’s always giving us coupons and samples.  Doctors receive coupons and samples from companies and reps to give out- take advantage of it!
  • If you are looking for a way to experience theatre for free and have some time to give, consider volunteering to be an usher. In most areas across the Unites States, many of the larger theatre companies are actively seeking ushers. If you are unsure if your local theatre or musical organization needs volunteer ushers, call their administrative office and ask, or check their website and drop them an email. Many theatres, orchestras and symphonies are non-profit organizations. They rely on volunteers to help their organization succeed. Museums need volunteers as well to be docents, hand out brochures, and help with special events. If there is a local museum you like, think about volunteering. You will get to spend time in a place you like, and you will be helping an organization.

Swap your stuff with Yerdle!!

Abby H.

yerdleHave you Heard of Yerdle? A few of my friends love it, and it’s pretty cool! It’s a great way to swap the junk laying around your house for stuff you actually need!

Swapping gets you better deals than shopping this holiday season! Join Yerdle and swap your stuff for new treasures you’ll love.

Sign up today to get $35 Yerdle Dollars + Free Shipping on your first purchase. Choose from over 70,000+ items — from dresses to shoes, purses to kid’s toys, home decor and more.

How it works: :

1. Click the link and sign up to claim your $35 Yerdle Dollars
2. Download the Yerdle App to see all 70,000 items
3. Pick out an item you want for $35 Yerdle Dollars or less, and pay no shipping fee or service fee! You must enter a valid credit card to check out.
4. Post your own items to earn more Yerdle Dollars and keep swapping.

Note: This offer is available to new users only. If you add 2 or more items to your cart, you’ll be charged a $2 “bundle fee” upon checkout.
I just joined! I can’t wait to start clearing out some of the stuff I’ve been holding onto!

 

 

2016 New Year’s Resolution #2: I want to save money!

Abby H.3 Comments

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Over the next two weeks,  I’m going to be posting about New Year’s Resolutions. Each post will have tips and tricks to help you navigate through your resolutions to become more successful at all of your frugal endeavors!

One of the most common New Year’s Resolutions is to SAVE MONEY. Here are just a few simple ways to save money throughout 2016:

1. Make a budget and stick to it.  We have a pretty tight budget at our house- It keeps us on track!

2. Use coupons for everything.  Coupons aren’t just for groceries. Check out sites like Get1Free for coupons to restaurants, day spas, golfing.  If you buy an Entertainment book, there are tons of great coupons for all kinds of meals and activities.

3. Back to coupons (again).  Carry a plastic envelope or coupon wallet with you at all times with coupons that you know you will use.  That way if you decide to have a spontaneous adventure- you can still save money money.

4. Try free activities.  Every community has free activities, check out your local Cragislist (under Community then click Events), community newspaper, or your local Patch for upcoming free events. Or Google “free events +name of your city +month of the year”.

5. Have a goal for your savings.  Saving to save is fine, but if you are saving money towards a goal, it’s harder to blow off the budget.  I mean, really… Would you rather have a new car or a cheeseburger? I thought so.

6. Wait. If you see a big ticket item that you want to buy, wait 10 days and see if the price drops.  Here is an article about the Sales Cycles that take place throughout the year.

7.  This is an oldy, but a goody.  Use It Up, Wear It Out, Make It Do, or Do Without.   Use what you have on hand (substitutions in a recipe are OK, the writer of the cookbook doesn’t care!), repair broken toys, mend clothes.  Add a little water to the last bit of laundry soap to stretch it (You probably use too much anyway!). You don’t need every latest gadget, do dad and thingamagigger. Keeping up with the Joneses is so 1980′s.  Frugality is the new IN thing.  You want to be cool, doncha?

How do you plan to save money in 2016?

Ralphs: Three Baby Freebies! (Great for donation)

Abby H.

If you’ve got a Ralphs card, check this out: Go to RScreen Shot 2015-12-06 at 7.34.58 AMalphs.com, log onto your account, click on Savings, then digital coupons, sort by category (baby).

There are three Baby freebies you can load to your Ralphs card right now!

If you don’t have a baby, these items would be an awesome donation for your local food bank or charity.  Baby items are always in need!

The three items are:

FREE Comforts for Baby Diapers Receive ONE (1) FREE Comforts for Baby Diapers Jumbo Pack, sizes 1-6.

FREE Comforts for Baby Wipes Receive ONE (1) FREE Comforts for Baby Wipes, Fragrance Free (40ct).

FREE Comforts for Baby Formula Receive ONE (1) FREE Comforts for Baby Formula, any variety (up to 23.2oz).

And the best part is that the coupons don’t expire until 1/30/16, so you have a few weeks to make your way over to Ralphs.

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Holiday Cookie Recipe: Chocolate Yum Yums aka Poop Cookies!

Abby H.

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My mom makes these awesome cookies that we referred to as Poop Cookies as kids. But they are really called Chocolate Yum Yum’s. And Oh, Lord are they delicious…..

They are delicious, chewy and chocolately. You’ll have a hard time keeping them around.

Once you make them, you’ll see why we called them Poop Cookies.

Chocolate Yum Yum’s (aka Poop Cookies)

Ingredients:

  • 1 c. chocolate chips (your fav. variety- Vegan, GF)
  • 1/3 c butter (You can use coconut oil if you are vegan, don’t use spread)
  • 16 large marshmallows (You can use vegan marshmallows)
  • 1 t. vanilla
  • 1c. coconut
  • 2 c. oatmeal (GF oats are a great substitute. Don’t use Steel cut oats)

Directions:

  1. Over medium heat, combine chips, butter, and marshmallows. The mixture may separate when melting, but that’s ok. Stir frequently to prevent chocolate seizing.
  2. Once the mixture is melted and smooth, remove from heat and add remaining ingredients and stir until well combined.
  3. Drop spoonfuls onto waxed paper on a cookie sheet.
  4. Refrigerate for about an hour or until firm.
  5. Serve with cold glasses of milk

Mom has made them with lemon marshmallows and white chocolate chips.  With all of the marshmallow and chip flavors, the combinations available are endless!

If you are looking for another Poop Cookie Recipe, Check out Seraphina’s Unicorn Poop Cookie recipe here. They are really good!