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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2016 New Year’s Resolution: #1 Make More Money!

Abby H.3 Comments

file000267804564Throughout 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!

For a lot of us, one of our New Year’s Resolutions is to make more money.  And unless you plan on winning the lottery, that can be hard.

Here are a few ways that you can make some extra money in 2016.  I have done all of these and they have worked for me to one extent or another, however, YMMV.

  • Why wait until spring to clear out the clutter?  Have a Garage Sale and earn some extra money!  Whatever doesn’t sell, consider donating it to a charity and taking the tax deduction.
  • Sell items on your local Craigslist. Always remember to meet in a public place!
  • Check out resale groups on Facebook. Just go to Facebook and search Your city + resale.  There are a ton in San Diego!
  • If you have unwanted silver, gold, or platinum most malls have kiosks or stores that will buy the metal from you on the spot and give you cash. Some jewelers also buy metal and jewelry.
  • Have a skill? Can you babysit, mow a lawn, bake a cake?  Are you handy with a sewing machine? Let your friends and neighbors know. Make up a flyer or post on your Facebook.
  • Before you head out to go shopping, check to see if anything you are going to buy has a rebate.  Doing rebates is easy!  To learn more about how rebating works, check out the article I wrote here. It also includes a link to my favorite rebate website!  I get about $250 back each year just through rebates. Most of the time you can use coupon on an item that you are submitting a rebate for- talk about win-win!
  • Want to get paid for your opinions?  Why not try a focus group or a research study?  Learn more about them here. I participate in about once per month and earn approximately extra $50-$100 in cash each time.
  • Mogl– This site is a little different.  Sign up and register your credit/debit cards.  When you eat out at participating restaurants, you’ll receive 10% cash back!  You can use this in addition to any other cash back offers your credit or debit card offers.  I’ve earned $25 in the past year and we don’t eat out very often! I also like at Mogl donates money to local food based charities every time you use one of your registered cards.
  • I’m a HUGE fan of Small Business Knowledge Center.   Do you get lots of junk mail?  Is your inbox full of spam? Insurance, credit card offers, banking, credit cards, investing, telecom, mortgage or other loan type junk mail and spam?The Small Business Knowledge Center (SBKC) studies marketing techniques and practices.  They securely dispose of your junk mail after they are done with it- no need to worry! You can also put stickies on paperwork that you would like back and they will return it to you! SBKC mails you postage paid envelopes, you stuff your junk mail into it and drop it into the mail.  You will receive points for your junk mail, and once you receive 2000 points, you will receive a $20 Visa Gift Card. You can also forward emails to them as well.  They occasionally have special projects where they are looking for special items like welcome packets for credit cards.  Special projects offer additional/bonus points.I’ve done SBKC for 4 years and I consistently earn one  $20.00 gift card per quarter, that’s $80.00 in gift cards per year! That’s free money that I did no work for.  Just forward some emails before I hit “delete” and toss my junk mail into an envelope as it comes into the house and mail an envelope once a week.Unlike many other programs, you can sign everyone in your home who is over the age of 18!If you are interested in signing up, here is the link. In the box next to: How did you here about the SBKC Consumer Panel? Please type my name: Abby Hewes. I get points for each referral and that brings me closer to my next reward!

If you are looking to make money online, here are a few of my favorites:

  • Earn Cash with Paid View Point. Surveys are short (less than 5 minutes).  Earn cash with each Survey.   You get $1.00 when you sign up! The pay out is $15.00, and it takes about a month to earn $15.00. I earned about $60.00 in 2013.
  • Earn Gift cards with Mypoints. I take surveys, click links in emails, and do all of my online shopping through Mypoints. I’ve earned $80 in gift cards in 2013!
  • I also use Swagbucks. I use their search engine toolbar, take a daily poll, watch a video and click a few links each day! In 2013 I earned about $120 worth of Swagbucks rewards. Swagbucks has tons of rewards, you can receive cash via paypal too!

And updated for 2017: Here are a few more ways to earn money- My Hustle: How I make Part Time Income as a SAHM

Whether you want to earn extra money for a vacation, holiday gifts, or just to have some extra play money, with a few minutes each day, you can earn some serious money.

This page contains affiliate links.  Please see my Affiliate Disclosure here.

Get paid for your opinion: Focus groups!

Abby H.4 Comments

There are lots of online survey companies, but their payouts can be small and take a lot of time to accrue the amount of points needed to cash out.

In most large cities, there are research companies that run focus groups weekly.

How to find them?  Google “Your city name focus group”.

In San Diego there are the following research companies:

Another way is to look on Craigslist.  Go to Jobs and in the search field type “Focus Group”.  Some smaller companies may post ads for focus groups.  Recently I participated in a mock jury style focus group and was paid $90 for 5 hours of work.  Yesterday I participated in a focus group relating to housewares and received $40 for just an hour! I found both on Craigslist.

Right now on Craigslist there are a couple great opportunities in the San Diego area.

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!

Review and Giveaway- ASPCA kids: Rescue Readers Books

Abby H.3 Comments

Screen Shot 2015-11-27 at 9.25.29 PMRecently, rad folks at Moms Meet and Studio Fun sent us a box that Lil’ Man could hardly wait to get into.

Studio Fun International, a Reader’s Digest company, has teamed up with the ASPCA® (The American Society for the Prevention of Cruelty to Animals®), the first animal welfare organization in North America and the nation’s leading voice for animals. More than two million supporters strong, the ASPCA’s mission is to provide effective means for the prevention of cruelty to animals throughout the United States. As a 501(c)(3) not-for-profit corporation, the ASPCA is a national leader in the areas of anti-cruelty, community outreach and animal health services.

Screen Shot 2015-11-27 at 9.25.02 PMThese books are ADORABLE!  Lil’ Man is getting to the age where he wants a pet, and these books are a great learning tool for him.
Each story is inspired by a real-life animal rescue story from the pet’s point of
view and includes facts and photographs of the actual pet that inspired the story. Each book creates a fun and educational hands-on experience written at a Level 2 reading level for early readers. While he can’t read yet, he recognized most of the letters and I can see that these books will definitely get a lot of use as he starts reading.
I really like that the importance of care, protection, and love of animals is incorporated into each
tale with a focus on the joyous outcome. Lil’ Man wanted a dog, but when he saw how much work came with it, he quickly asked for a fish (Because, he told me, “Mommy, you don’t have to walk a fish!!)
For those of us who like our purchases to help others, fell good knowing that four to five percent of the purchase price of every book goes directly to the ASPCA to help continue its mission.

These incredible stories are available in paperback, library binding hardcovers, and e-books. The paperback books are priced at $3.99 (each) or $15.96 (for all four) everywhere books are sold, Including Amazon!

IMG_2249We sat down to snuggle on the couch with some soft blankets, cocoa, and read our new books tonight! Lil’ Man said, “NO pictures, please mommy. I has the no-feel-goods!” But I did snap a photo of our soft blankies and books!

Now it’s your turn to share these fun, heartwarming books with your special littles. Thanks to #momsmeet and #Studiofun I am able to give away a set of the four ASPCAKids books pictured above: I am Daisy, I am Picasso, I am Nibbles, and I am McKinely. Entering is Easy: Leave a comment with what your first pet was! When I was a kid we had a Keeshond named Arthur.

I’ll choose a winner on December 7th. This prize would make a great gift for any young reader on your list!

I received this product for free from the sponsor of the Moms Meet program, May Media Group LLC, who received it directly from the manufacturer. As a Moms Meet blogger, I agree to use this product and post my opinion on my blog. My opinions do not necessarily reflect the opinions of May Media Group LLC or the manufacturer of this product.

 

Giving Back: Blessing Bags (A Tutorial)

Abby H.

One of the reasons that I coupon is so that I can have the fortune to help others. Many couponers donate to causes that are dear to them.  My local Coupon Group donates HBA to Naomi’s Closet in Santee, CA. We also support one of the local American Legion posts with two of their service projects: Coupons to overseas families and homeless veteran outreach.

We are able to donate and help others because we use coupons and shop sales. Many times we are able to pick up free items to donate, or items that are 80%+ off the regular price.

My mom’s group has made blessing bags in the past (We usually make some to be handed out at a local homeless camp on Christmas Day). For those who are not familiar with the term, a blessing bag is a small bag (usually a ziploc type bag) filled with:

  • small or travel sized toiletries
  • snacks like crackers, tuna in a pop-top can or pouch, granola bars, instant oatmeal
  • bottled water
  • hard candy
  • lip balm
  • safety pins
  • socks
  • hand/baby wipes
  • razors
  • an extra ziploc bag
  • Feminine Hygiene supplies
  • A large trash bag folded up (It can be used as a rain poncho)

I try to keep a couple in my car and I hand them out when we see those in need while we are out. For those of you who aren’t native to Southern California, there are a lot of homeless here. We have good weather most of the year, so it’s ok to sleep outside 6-8 months of the year. According to the 2014 Homeless census in San Diego, there are over 8500 homeless residents in San Diego. That’s just the number that were counted, there are many more that were not.

Last year Lil’ Man and I made blessing bags several times and we plan to make more this year.

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Examples of what we put in our blessing bags last year.

I keep all the samples I request in an up-cycled baby wipe container under my bathroom sink.

I also go through my HBA stockpile for items like BIC razors, lip balm, and toothpaste I picked up for free after coupon and store sale.

My parents travel a lot for my dad’s Board position in a non-profit, so they always have a stash of hotel soap/toiletries. My parents give us a grocery bag full to assist in the cause.

Last year, Lil’ Man and I sat on the floor and put together 26 bags. Not every bag had the same items in it, but they each contained a variety of HBA, snacks, and supplies.

Blessing bags area great way to help those of your neighbors who may be on the streets. If you live in an area where there isn’t a large visible homeless population, consider making blessing bags and donating them to a shelter or checking with your local churches for homeless outreach.

Black Friday Sale at Costume Express!

Abby H.

Screen Shot 2015-11-25 at 6.50.42 PM*This post contains affiliate links and I will be compensated if you make a purchase after clicking on my links.

Halloween is long over, but if your littles love dress up, this deal is PERFECT for you! Costumes make the holidays brighter, so why not save and shop the Costume Closeout with savings up to 90% off at Costume Express. You’ll also get 20% off for Black Friday!

Offer: Black Friday – 20% off no minimum at Costume Express
Coupon Code: CXFRIDAY
Valid: 11/27/15

 

Packing an awesome school lunch on a budget!

Abby H.1 Comment

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Most kids are on Fall break right now and school starts back up on Monday, but this post comes from my heart. I can’t tell you how many times I opened my lunch bag as a child, only to be disappointed by a limp, sweaty bologna sandwich, a warm juice box and a bag of chips. My mom is an awesome cook, but lunches as a kid were always uninspired. She packed us the same lunch that our friends had.

Kids now have a lot more choices when it comes to lunches. Cooler bags/soft sided insulated bags are now chic, and many schools have restrictions on what kids can bring to school (mostly due to common food allergies).

Here are some tips that can help you pack a yummy, nutritious, frugal lunch for your kids (or heck, even for you if you pack your lunch for work):

  • Plan ahead. Take an inventory of your pantry, fridge and freezer.  Make a list of lunches you can make with what you’ve got on hand.
  • Eat what’s on sale! You’ll save more if you eat what’s in season.
  • Involve the eater of the lunch: if you involve the kids, they’ll be more apt to eat what’s packed.
  • Keep Lunch fun! Use cookie cutters (like this one– I love it for sliced cheese) to make sandwiches, fruit, and cheese into fun shapes.
  • Set aside time for prep: When you get home from the store, set aside some time to chop veggies, fruit, and cheese and place single servings in baggies. Store the baggies in a drawer in the fridge. Resist the urge to snack on them!
  • Resist the urge to buy individual packages of snacks. They are usually not the best value for your dollar. Set aside some time after your shopping trip to portion out cookies, crackers, snacks and even yogurt.
  • Along the same lines: Resist the urge to buy pre-made sandwiches, like UnCrustables. Many schools don’t allow Peanut Butter (or other nut butters) in school lunches.  If your kids love those sandwiches, make your own. All you need in an empanada press (like this one) or a Wonder Bread Sandwich Sealer and D-Cruster a loaf of bread, your fav. peanut or other nut/seed butter, and some jam or jelly. Make about 12 sandwiches for less than $10. The average price for a box of 4 UnCrustables is around $3.50! You can use whatever type of sliced bread you like too!
  • Sandwiches need not be an everyday food! Make wraps with tortillas, sliced cheese, deli meats, and flavored cream cheese. Send sliced cheese, sandwich meat, and crackers (think a homemade Lunchable!) in a plastic box in separate muffin papers. Cold Pizza, salads that include a protein, soup in a thermos, heck, even cereal in a plastic container and a thermos of cold milk.
  • Re-use your empty Mio containers to send condiments or salad dressing to keep sandwiches and salads from getting icky and soggy. Simply remove the wrapper from the empty bottle, pop the top off and clean out the bottle and lid.  Once they are dry, fill 1/2 to 3/4 full and write on the front of the bottle with a sharpie.
  • Don’t just stick to Major Grocery Store chains! I love shopping for lunch yummies at Grocery Outlet. They have a wide variety of crackers, cookies, lunch meat, and a killer cheese section!  Now that we have a Grocery Outlet and a 99 Cents Only in the same shopping center, I can get most of my school lunch shopping done in one trip!

Oh, and most importantly- Don’t forget the note. My mom always put a note in our lunch each day. It made my day, especially when I was having a hard morning!

Looking for more ideas on keeping school lunches fun? Here are a few books I found on Amazon:

Cents of Style’s Black Fashion Friday Deal (Cute Graphic Shirts& Scarves)

Abby H.

Cents of Style is hooking you up this black Friday!: Graphic T-Shirts $14.97 (Womens)-$12.47 (Kids) & FREE SHIPPING w/code THEGOOD, +$5 Gift Card with Every $25.00 purchase

Remember to use Coupon Code THEGOOD at checkout! Here is how the deal will work. The coupon code will take 50% OFF the graphic t-shirt of choice. When you spend $25+ you will get a $5 Cents of Style Gift Card emailed to you. The $5 gift card is limit 1 per customer/transaction. Only 1 gift card will be emailed with each order

But Wait, because it gets better! When you purchase one of these stylin’ graphic tees, you’ll be offered a houndstooth scarf for $10.00 at checkout.

This deal gives you almost $60 in product for only $25, plus $5 back! And if you include the $5 gift card you will get 2 gifts for $20!