Tips to Reign In and Out Of Control Family Budget: Saving on Entertainment!

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This is one of the most divisive topics I write about. I am completely serious. Television. Specifically- cutting or lowing your cable or dish package to save money.

This is a big bone of contention for a lot of people who ask me how we live on one income. For some people, they “need their shows“ or they “have to” watch the game every week.

Cable and satellite television is expensive, and now with all of the streaming services in addition to cable, it is conceivable that a family may spend upwards of $300 a month on television. That’s JUST TELEVISION! That doesn’t include movie tickets!

Sit down and gather up the cost of each streaming service and/or cable subscription/dish subscription. Where is there overlapping entertainment?

  • Hulu Plus has a live option, which gives you access to sports, and television shows on the same day they air on cable television.
  • If you have cable that includes the Disney Channel, CBS, HBO, or Showtime, is there really a reason for you to pay for the subscription/on-demand versions of those networks?

If you feel like you are ok with changing your television viewing habits, ditching cable in favor for a few streaming options and over the air television which can be viewed with our digital antenna (which is easy to use/install) and is available for purchase for about $50-$100.

Depending on how strong the signals in your area are, you should be able to receive:

  • ABC
  • CBS
  • NBC
  • CW
  • Fox
  • PBS (We get three PBS channels)

There are additional networks that are available in various areas of the county.  Here in So Cal, we also get:

Plus we get a few more Spanish language channels, and one Korean language channel.

Now that you’ve trimmed/cut the cord, what other entertainment do you see/attend/do? We don’t go to the movies too often, but we have a weekly date night budget of $50. I try to get it out of the bank in cash and if we are going out together, we spend it together, but if we are going out with other friends, or staying home with the kids, I give him half.  If we don’t use it one week, we roll it over to the next week!

images.jpgOne of my other main sources of Entertainment is the gym. I try and go at least 4 times per week for at least an hour.  Other places that you can trim and your family budget can include your gym membership. If you don’t require a gym that has the bells and whistles and lots of classes, you might consider changing your full-service gym to a more budget-friendly or discount gym like Crunch or Planet Fitness. Both of them have extremely reasonable rates, but they don’t offer classes or childcare usually.

If you’re looking at something that is slightly more family-friendly, I cannot recommend the YMCA enough! For our family, we pay $69 a month, and that is inclusive of childcare on-site for both children up to four hours a day (two hours in the morning, two hours in the afternoon as long as there is a lapse of four hours of time in between the two sessions), we can visit any YMCA location in San Diego County, and also have travel benefits if we go out of town. There are free classes for everyone in the family, on various types of exercise from family yoga to family kickboxing to open gym for the kids two-three times a week.

They have great swimming facilities for spring and summer, and the family swim is available year-round in the large pool at our local YMCA. I also like that they have trained people in the childcare/kids club area that know how to work with kids who have special needs, so I never feel like my big kid will be ignored or be feeling out of place. If you are a local and want to check out the YMCA, let me know and I’ll get you a guest pass!

In the past we had some really bad experiences with 24-Hour Fitness. We were also paying a lot of money to go to 24-Hour Fitness (upwards of $120/month Between our membership dues and the cost of the on-site childcare) and I felt like our fitness goals could not be supported because of the lack of support and education with their child care employees.

I also like that the YMCA offers discounted rates/scholarships for military families (active duty and retired), those with low-incomes, or receiving certain government benefits.

As far as kids’ entertainment, our local community library has us covered over school breaks. Between summer reading programs, spring break events, Star Wars Days, Back To School supply giveaways, and Christmas cookie decorating/Polar Express PJ parties. You would be surprised at all of the cool stuff going on at your local library!

 

Talk Back: I’d love to hear about how you save money on entertainment!

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 Health and Beauty Brands on Fetch Rewards!

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Fetch is now hooking us up with savings in the health and beauty aisle! From nutritional supplements to over-the-counter pharmaceuticals, they are making healthy living even more rewarding for your whole family.  You can see the full list here.

You can learn all about Fetch rewards here.

So, if this seems like an app you’d enjoy, check this out: Use my code ND2TB when you sign up and you’ll score 2000 points after you scan in your first receipt with Fetch Rewards. That’s 2/3 way to your first $3 Amazon Gift Card (or whatever $3 Gift Card you choose). You can find Fetch Rewards in your app store.

11/29/19 Friday Freebies & Deals

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It’s Black Friday and I’m sure y’all are up to your eyeballs in Black Friday Deals and bargains, so I’m bringing you all kinds of fun free stuff this morning!

Freebies:

Deals:

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! Claim your spot on the OhmNow waitlist!

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If you’ve been reading my blog for some time, you know I love earning money and saving energy with OhmConnect (You can read more about it here). OhmConnect is sweetening the deal with a new program.

 OhmNow finishes what you started with #OhmHours. Sign up for this new premium add-on service, and we’ll upgrade your OhmConnect account so your smart devices respond to extra valuable #OhmHours. You’ll get paid extra without lifting a finger.

For just $4.99 per month you can automatically save energy when electricity prices surge, even if that’s just for five minutes.

No commitment or credit card required today, you can join the waitlist here.

Working Behind the Scenes for You

OhmNow works behind the scenes so you can rest easy knowing that you’re making extra money without lifting a finger. Join OhmNow and you can earn by:

  • Connecting key appliances
  • Setting your preferences
  • Automatically reducing energy during surges

Just like the standard OhmConnect service, you don’t need to change anything on your utility account.

Disclaimer: If you aren’t a member of OhmConnect and join, I may earn extra points that will help me earn my next reward.

California Climate Credit- Savings on Your October Utility Bill!

Screen Shot 2019-10-10 at 10.10.07 PM.pngWOO HOO!! It’s back! The second California Climate Credit  is back for it’s second installment of the year!

And if you have any of the following utilities: PG&E, SDG&E, SCE Pacific Power and Liberty Utilities, your October bill will have a credit.

The California Climate Credit. From the CPUC website:

“Twice a year, millions of California residents receive a credit on their utility bill identified as the “California Climate Credit.”  The California Climate Credit is part of California’s efforts to fight climate change.  This credit is from a state program that requires power plants, natural gas distributors and other large industries that emit greenhouse gases to buy carbon pollution permits.  The credit represents residential utility ratepayers’ share of the payments from the State’s program.  The credit program was created by the CPUC, which also oversees the program’s implementation.

Currently, all residential and eligible small business electricity customers of PG&E, SDG&E, SCE Pacific Power and Liberty Utilities receive the credit, as do all Community Choice Aggregator (CCA) customers.  In addition, natural gas residential customers of PG&E, SoCalGas, Southwest Gas, and SDG&E also receive the credit.  Customers don’t need to do anything to receive the credit – it is automatically applied to their bills.  The credit amounts vary among utilities, CCAs and from year to year.

If you’re not sure whether you’re receiving the Climate Credit, the first thing to do is contact your utility or CCA, the same as you would do with any billing questions.  That’s because although the CPUC oversees the credit and can help with any remaining questions you have, your utility or CCA is best positioned to access your individual records and answer questions about individual accounts.”

In addition to this credit, we also use the TIME OF USE billing to our advantage. Here is an article I wrote about last summer with some tips about how to save on your utility bill. Time of Use billing isn’t for everyone, but we use it as I am able to do the bulk of our energy using chores during off-peak hours, such as dishes and laundry.

And one thing that I find super helpful- We signed up for Ohm Connect a few years ago and it texts and/or emails you when you should conserve more power due to the demand on the power grid. It’s a win-win situation: You save money on your power bill, and you earn points from Ohm Connect that you can cash out for Paypal, Amazon or Target Gift Cards, OhmConnect store credit (to buy energy-efficient thermostats, smart plugs, etc.) You can learn more about OhmConnect here. When you sign up here and link your utility account, you’ll earn $10 in rewards! We’ve earned over $50 in 2019 so far!

 

**Disclaimer: This post contains affiliate links. I may earn a small commission if you click on links or make purchases. However, I only post about stuff that I like and use for my family.

Go Organic with Fetch Rewards

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Shop smart, eat smart. 

Did you know Fetch Rewards offers points on organic products? You’ll also save on natural juices, low-calorie meals, sugar-free drinks, cauliflower pasta, and more. Try something new today!

To learn more about Fetch rewards, click here.

If Fetch Rewards seems like an app you’d enjoy, check this out: Use my code ND2TB when you sign up and you’ll score 2000 points after you scan in your first receipt with Fetch Rewards. That’s 2/3 to your first $3 Amazon Gift Card (or whatever $3 Gift Card you choose). You can find Fetch Rewards in your app store.

If you use my code, I’ll get 4000 points when you scan your first receipt. Win/Win, right? Honestly, my disclosure statement is here. I’m here to help ya’ll save money, not make a million dollars!

Cents Of Style is having a PANTS PARTY!

Screen Shot 2019-09-17 at 9.55.19 AM.pngOk, so not that kind of pants party.

Pants. We all wear them (at least MOST of us do). Around here, we prefer that they are comfy, a great price, and look amazing. Luckily, we have lots of options…leggings, jeggings, faux leather pants or jeans…so don’t worry Cents of Style has you covered!

PantsThis week, Cents of Style’s Two for Tuesday collection has all of the best pants in one place, for only $13 EACH when you get 2 or more w/code PANTPARTY, which makes these pants up to 75% OFF!

Where else can you find two pairs of pants for ONLY $26.00?! There are tons of styles, colors, and patterns and sizes ranging from S-3XL.

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Don’t forget the FREE SHIPPING! This deal is active 09/16/19 and expires 09/19/19 at midnight.

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Celebrate 9/9 Day all week with 99 Cents Only!

September 9th is coming. For most of us, that’s not a big deal, but for 99 Cents Only, it’s HUGE!

Every year they celebrate 9/9 day with a week of great deals! Starting on Monday, September 9th, 99 Cents Only has awesome deals each day for nine days- In addition to their daily deals and bargains.

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  • Monday 9/9* Only 6ft Stuffed Bear $19.99 (limit 1 per household) and 3 lbs. of Chaquita Bananas for .99!
  • Tuesday 9/10* Only Assorted Name Brand Skin & Hair Care 12 – 24 oz (limit 4 per household) for .99 each!
  • Wednesday 9/11* Only 18 Count Large Grade AA Eggs (limit 2 per household) for .99 each!
  • Thursday 9/12* Only 24 Pack Niagara Water (limit 4 cases per household) for $1.99 each!
  • Friday 9/13* Only Tide Simply Clean & Fresh 100 fl oz liq. (limit 1 per household) $2.99! This is a great deal- It’s usually about $5-6/bottle at Wal-mart/Target
  • Saturday 9/14* Only Light Up Razor Scooter (limit 1 per household) $4.99 each, and 3 pairs of flip flops .99!
  • Sunday 9/15* Only Assorted Premium Pet Beds up to 22 x 24 inches (limit 1 per household) $2.99
  • Monday 9/16* Only Pikmi Pops Surprise! (limit 2 per household).99 each
  • Tuesday 9/17* Only Bathrobes, Throw Blankets (limit 4 per household) .99 each

Some of these deals would be great for stocking stuffers or little surprises. I won’t be there every day, but I’ll definately be there a couple times to stock up on Tuesday 9/10/19 and 9/11/19!

 

Talk Back: What deals are you excited for?