Here’s a new holiday tradition: tell all your friends about Fetch. Through 12/20, you’ll get 4,000 points for each friend you refer to Fetch. They’ll get 2,000 points of their own when they sign up with your code.
Plus, there’s no limit to the Rewards you can earn:
Refer 2 friends. Get 8,000 points.
Refer 10 friends. Get 40,000 points.
Refer 100 friends…well, you do the math.
Let’s get started! If you are new to Fetch Rewards, you can learn more here. When you sign up, use my referral code ND2TB and share the love (and referral points!).
When you sign up, leave your referral code in the comments!
If you’ve been reading my blog for a while, you know that I love Dosh- It’s a cashback app that’s a little different from the others out there (You can get the full details here).
Right now when your friends sign up for Dosh, you will earn a $20 bonus when they link their card and shop at one of the thousands of brands on Dosh. They earn cash back, you score $20, and they can share it with their friends- everyone wins!
There are in-store and online offers, so if you are staying in this holiday shopping season, you can still save!
If you are new to Dosh, I love this app because there are all kinds of restaurants and stores that aren’t available on other apps (including PetSmart, Office Depot, Home Depot, and KFC). Get started here.
If you are an online shopper (and at this point, who isn’t?), you know that searching online for coupon codes for each and every website can be daunting.
And did you know that Amazon isn’t always the best price? But do you really have the time (or energy) to comparison shop online? No.
That’s where Smarty comes in! It’s a Chrome Extension that combs the internet for coupon codes, discounts, and even comparison shops for you!
And it works on hundreds of websites including Amazon, Walmart, Target, and Macy’s!
As a bonus: When you install the browser and refer your friends, you can earn cash back! So it’s a win-win! Everyone saves, and you get a little cash back to pad your wallet.
In our last post, I talked about the basics of starting a budget (you can read it here).
We ended with… What happens if you spend more money than you bring home? Don’t feel bad, It happens more than you would think. Living in a credit-based world, it’s easy to swipe, swipe, swipe your card and have it seem like it’s not real money.
How do you stop spending willy nilly and start saving money?
First of all, I went through our family budget line by line looking for ways to cut down on costs. This will take a little work, but it’s worth the savings. Here are a few ways that you may be able to save.
Cell Phones- I called and negotiated a new contract, and they were able to give us a small discount ($15/month).
Auto/Home Insurance- Called our insurance carrier (it’s the same for both). We went through both policies, and were able to adjust our annual mileage to lower mileage, and adjust a few things with our homeowner’s insurance to save some money too. (About $50/year)
Gas & Electric (power company)-Because of the big kids’ diagnosis, we were able to qualify for a discount. SDG&E (Our utility provider) offers several discounts. You can learn more about our experience and how we saved money here. We also take part in OhmConnect, and that saves us money and gives us cashback. You can learn more about OhmConnect here. We save about a thousand dollars a year between the programs SDG&E offers and using Ohmconnect.
Internet- We ended up changing internet providers to save money. I know that not everyone has this ability, but it’s worth a call to see if you can get a better deal. We don’t have cable or a home phone, so there are no bundling deals that can save our family money. ($5/month)
Cable- We don’t have it, but if you are thinking of cutting the cable, it’s not all static and bunny ears like in the old days. Between Apple TV (ours is really old and it works great), Hulu, Netflix, Amazon Prime, and over the air TV, we aren’t suffering. (No savings for us, but maybe some for you?)
Secondly, I take cash out for Groceries ($100/week), gas ($60/week), and fun money (funds for the kids and I to do something fun during the week- usually a snack or treat at the zoo, admission to a museum, or renting a Redbox movie. $40/week). When the money’s gone, it’s gone. For our budget/spending- this has been the game-changer. Due to quarantine/lockdown the only fun we could have was ordering take out or expensive trips to the craft supply store/Amazon to keep us entertained. Now that we have parameters for spending money, I am taking a harder look at groceries and meal planning and low-cost to no-cost ways to have fun with the kiddos.
In addition to that, I didn’t set up Apple Pay on my phone. I don’t have a credit card attached to the app store on my phone. I don’t have any credit cards set up on my Amazon Account, or my Target App, or any of the purchasing apps on my phone. If I want to buy something I have to either go to a store or sit down at my computer and enter my credit card/debit card information. Taking that extra step to purchase stuff really helps me think about what I am buying and how much I am spending.
And I’m always looking for ways to make a little extra money. Side Hustles are a real way to make money. You can invest as little or as much time as you want.
You can still have fun and live on a budget. Don’t feel like having takeout? Spend some of your fun money on a couple steaks and have a BBQ at home one week. Rent a movie on Amazon Prime, and add some dollar movie candy to your grocery list (or hit up Dollar Tree). Close the curtains/ blinds and throw some pillows and blankets on the living room floor. We call that “Movie theatre night” and the kids love it.
Living during a global pandemic you have to think outside of the box.
My next (and last) post about setting a practical budget will be ready tomorrow and it’s going to be a little more serious. What to do/where to turn when you need help with the basics: Food, Shelter, and Comfort. And what you should cut out if you are struggling. For those who are struggling right now, this is written with you in my mind and heart.
I’ve written about budgeting before, but now more than ever so many of us need to set up a budget that works. One that is easy to stick to. There are so many ways of doing a budget, so many styles- cash envelopes, bucket/different accounts, multiple debit cards for various budget items… It can be tricky. I’m going to be breaking down the household budget, and how it can be done, how to shave money off your household expenses, and save money without suffering or feeling like you are doomed to a life of instant ramen and tap water.
Recently I re-did the household budget after noticing that spending was…Outta Control. Here are a few things that helped me:
Track all of your outgoing expenses for three months. I made a list of all the bills, expenditures, etc., and went through the banking transactions online. Then I averaged them. Using the average for each, I plugged each one into a Google Sheets page.
Some of the categories I had are:
Mortgage (This includes impounds for our Homeowners insurance and property taxes)
Gas/Electric*
Gift Fund
Transfer to Savings
Life Insurance
Auto Insurance
Hulu
Car payment
Kids 529
Netflix
YMCA
Internet
Credit Card Balances
Student Loan Payments
Water Bill*
Groceries*
Fun Money (stuff to do with kiddos/girls nights in/date nights)*
Gasoline*
Of all of these categories, the only ones that have any difference per month are the ones I indicated with an asterisk (*). For Gas/Electric and the water bill, I averaged the cost over three months and used that amount for the budget.
The categories I included above are what is in my budget, you may have other items that my family does not. Some of the expenses such as Health Insurance and retirement savings come out of paychecks, so for our family, they are not included in our budget. You may wish to add them to your budget if you pay them directly.
Cash for some Budget Line Items: For items such as groceries, fun money, and gasoline I visit the ATM each week and take out cash. I paperclip the money for each budget line item together, and keep them separate in my wallet. When the money is gone, no more spending.
Doing cash for those line items really helps me take a hard look at shopping for groceries (this is when cash back apps, couponing, and price per unit knowledge all come in handy), and making sure that I am getting the best deal on gas (I have the gasbuddy app, it’s very useful). Any unspent money gets rolled over to the next week.
Making the ends meet: It’s important when you are adding up all expenses that once you add them up, subtract that amount from the money you bring in (wages, side hustles, selling plasma, whatever). If you are spending more than you and you should be left with some money leftover. If you come to a negative number… Bruh, we gotta talk.
Total amount leftover: $500 This leftover amount can be kept in your main account for unforeseen expenses, or move it to savings, or pay down extra on reoccurring debts (like car payment, student loans, or credit cards).
Uh, so if your number comes back negative, like this example:
Total income (including side hustles): $4500
Total household budget per month: $4600
Total amount leftover: -$100
Yeah. Bad times, my friends. That means you need to cut $100 from your budget. My next post about budgeting will go over what and how you can cut from your budget without feeling like you are suffering or living hand to mouth. I promise nothing crazy or nothing that I would not do myself if needed. And you can expect that post tomorrow.
Not all all related to setting a budget, but when I was searching for Budget stock photos, this photo of fruit salad was tagged “budget”. And I love fruit salad, so I had to include it.
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!
November means the start of the fall/winter “feasting” holidays (Thanksgiving, Hannukah, Christmas, and Yule- depending on your religion), so there will be lots of deals on traditional holiday foods. For a complete list of types of foods and items that will be on sale, check out this post on the cycle of sales.
Manufacturers and stores use holidays or events to entice people to spend more in their stores by offering sales, coupons, cashback offers. I have listed below, by month which types of items are on sale. Not only food, but home goods, furniture, and electronics.
I recommend checking out sale flyers (most can be found online) and cashback apps (A list of my favorites can be found here) before each shopping trip.
JANUARY
Diet Food and Weight Loss Equipment (New Year’s Resolutions)
Gyms have sales and free trials
Healthy Food including Veggies
Television and other Electronics (Super Bowl Sunday)
OTC Medications (FSA’s expire in Jan./Feb.- Use it or Lose it!)
Winter Clothing and Shoes (Formal clothes are usually 75%+ off)
Snack-y food for Super Bowl parties: chips, dip. Velveeta, salsa, taquitos. There are often times really great rebates for snack food and beer or soda around the Super Bowl.
FEBRUARY
Diet Food and Weight Loss Equipment (New Year’s Resolutions)
Healthy Food including Veggies
Furniture and Housewares
Candy and Chocolates
MARCH
March is National frozen food month. Many Stores like Albertson’s have a “fill a bag” sale where you are given a paper or plastic bag and you receive a discount (typically 15-25%) on each frozen item in that bag.
Spring Apparel (Easter Dresses and Suits)
Depending on when Easter falls, look for sales on Easter Dinner food: Ham, Prime Rib, stuffing, veggies, eggs, and Easter Basket Supplies.
Luggage and Travel (Spring Break)
Spring-cleaning sales will start and there will be rebates for cleaning supplies- especially with SC Johnson Products.
Between March 13-17th (St. Patrick’s Day) Corned Beef, Potatoes and Cabbage are all Dirt Cheap. Stock up!
During Lent, seafood is inexpensive.
APRIL
More Spring cleaning sales and rebates
Paper products (plates, napkins) start to have really good sales.
Paint & Wallpaper (In the same vain as spring cleaning, a lot of people start to spruce up their homes in the spring)
Jewish Foods and Eggs (Passover)
MAY
May is the start of picnic season. Barbeque food, Hotdogs, hamburgers, ribs, condiments will all be on sale throughout the summer and will be until September.
Auto Maintenance (tires, oil changes, tune ups)
Beverages, Hot dogs, Ground Beef, BBQ sauce, Ketchup, Mustard, Ribs (Often times there are some really great rebates WYB beer or soda)
Bug repellents – Sprays and Candles
Home Maintenance (carpet cleaning, duct cleaning)
SPF and After Sun products (like Aloe)
JUNE
Summer Clothes
June is National Dairy Month- Dairy Products
Summer Activities (local attractions sometimes have “locals only” days or rates)
Beverages, Hot dogs, Ground Beef, BBQ sauce, Ketchup, Mustard, Ribs (Often times there are some really great rebates WYB beer or soda)
JULY
Air Conditioning units
Summer Sports Equipment & Craft Supplies (things for families to do together)
Beverages, Hot dogs, Ground Beef, BBQ sauce, Ketchup, Mustard, Ribs (Often times there are some really great rebates WYB beer or soda)
AUGUST
BBQ and Patio Equipment (Just in time for Labor Day!)
White Sale – Linens and Towels
Back to School Supplies – Sales may Start in Late July, Depending on when school starts in your part of the world)
Bathing Suits and the last remnants of summer clothes
Back to school clothes
Jackets and light coats for fall
Beverages, Hot dogs, Ground Beef, BBQ sauce, Ketchup, Mustard, Ribs (Often times there are some really great rebates WYB beer or soda)
Breakfast foods (cereal, oatmeal, juice, bars) Cereal sales will start this month and continue into September as school starts up.
Lunch box food- juice boxes, lunchables, snacks, chips, yogurt
SEPTEMBER
The traditional Back to School Sales will start. For most schools, classes begin the Tuesday after Labor Day. This is a great time to stock up on snacks that are healthy and shelf-stable. 100 calorie snack packs, fruit leathers, 100% juice boxes, bottled water, peanut butter. Watch the inserts for Lunchables coupons too- they will start going on sale!
Back to School Supplies (Office Depot, Staples, and Walgreen’s often have Freebies)
Canned Goods. Canned soup and spaghetti sauce also starts to go on sale in September.
Frozen Pizza
There are LOADS of rebates and special cashback offers through apps like Ibotta and Checkout51 in the last quarter of the year. Why?
The last three months of the year are packed full of holidays and entertaining possibilities. Sales, rebates, and cashback offers will most likely be for the types of food and beverages that are associated with entertaining: crackers, cheese, wine, beer, candy, nuts, etc. Many of these food items are shelf-stable and it can be a good opportunity to buy a few extra to stock up, especially if it’s something that your family consumes regularly.
OCTOBER
Home goods such as serving dishes, and glassware (to prepare you for the onslaught of entertaining you will be doing for the holidays)
Toys- there are usually deals through Target’s app, and online as well
Gift Items-Stock up and fill your stockings and keep your wallet full.
Post-Holiday Sales- I like to stock up on plain colored paper goods after each holiday and stockpile them to use throughout the year for parties and events. No one will know the red napkins are from Valentine’s Day, not from Christmas. Light Blue gift paper from Chanukah will wrap a present for a baby shower gift just the same.
Party Foods, Baking Goods, and Various Meat There will be a lot of rebates, keep your eyes open!
Canned goods (broth, soups, etc)
Prime Rib, Turkey, Ham
Year-round after a holiday, you can always pick up cheap cookie dough. Cookie dough freezes really well for about two months. You can also find plain colored paper goods, including plain-colored wrapping paper and tissue paper after each holiday in the clearance section.
This article contains location specific giveaways- for nationwide info, scroll to the bottom of the article.
For the past few years the great folks over at SMOAC have been doing an incredible service to the Eastern San Diego County school kids by offering free backpacks and school supplies.
And this year is no different! This year, they are hosting a drive-thru style event at two locations:
Rio Seco School 9545 Cuyamaca Street or Pride Academy 9303 Prospect Ave (Both in Santee)
August 16, 2020
10AM until supplies run out
Kids must be present in the car
1 backpack per child
This will be a contactless delivery event- Please Print the form here and complete it per the directions.
And for those of you not in the immediate area, there are all sorts of other free school supply and backpack giveaways going on.
Boost Mobile is giving away backpacks and school supplies. More info is here. In San Diego County, there is 1 Boost Mobile in Oceanside that is participating.
Operation Homefront is having giveaways for military families on bases all over the US. Here is a list for 2020.
Rentacalc does free giveaways for backpacks, graphing calculators and protractors! You can learn more and enter to win here.
Having used Warby Parker before, their glasses are great, and their service is amazing! We bought glasses online, and later when they needed to be adjusted (helpful tip: Don’t roughhouse with kids when you are wearing glasses), we took them to our local Warby Parker store and they “tuned up” the glasses FOR FREE!
If you prefer contacts, Waldo has a great trial offer. I wrote about it here.
If you wear glasses, you have to have a eyeglass repair kit. You can usually score a free one when you get new glasses (Warby Parker sends a little one when you purchase glasses from them, along with a cleaning cloth), but sometimes you need a little more.
Enter this comprehensive eyeglasses repair kit from Amazon. I bought it for my mom for Christmas last year. She told me she needed one, but was having a hard time finding one in stores. It has everything you might possibly need to repair glasses! the screwdrivers have comfort grips too!
If you need help getting glasses or vision exams for your kids, check out Vision to Learn. They operate in 13 states and partner with the Boys and Girs Club, offering free eye exams and eyeglasses for kids.
If you are 65+, you can obtain a free eye exam from Eye Care America. Kids 6 months-1 year can obtain a free eye exam from InfantSEE.
And if you are wondering what to do with all of the old eyeglasses in your house that are no longer your current prescription…. The Lions Club helps recycle eyeglasses and get them into the hands of the needy. You can find out more about how and where to recycle your unwanted eyeglasses here. I also recommend checking with your local optometrist’s office. They frequently partner with local Lion’s Clubs to collect old glasses. You could help a person in need get the glasses they can’t afford!
What are your tips for saving on glasses and contacts?
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Fetch Rewards is hooking us up this weekend!
If you’ve been reading my blog for a while, you know that I love 
Right now when your friends sign up for 
In our last post, I talked about the basics of starting a budget (you can read it h
I’ve written about budgeting before, but now more than ever so many of us need to set up a budget that works. One that is easy to stick to. There are so many ways of doing a budget, so many styles- cash envelopes, bucket/different accounts, multiple debit cards for various budget items… It can be tricky. I’m going to be breaking down the household budget, and how it can be done, how to shave money off your household expenses, and save money without suffering or feeling like you are doomed to a life of instant ramen and tap water.
This article contains location specific giveaways- for nationwide info, scroll to the bottom of the article.
This Friday’s freebies and deals are a scootch late today because we were busy busy busy today! Appointments, phone calls, and errands to run!
Enter 
Hewes Family Fun 