April is Financial Literacy Month

Financial literacy is near and dear to my heart. I’ve spent much of my adult life working hard to save money, pay bills on time, and live within my means. It is a lot of effort and work, but, it’s made my life less stressful.

In 2020, I wrote a three-part series about making a practical budget that a family can adhere to and how to get some extra help if you need it. This was written during the pandemic, so there is a lot of information and resources, especially for those feeling the financial panic that many felt during the height of the pandemic.

If you already have a budget or feel that your spending is out of control and you aren’t to the point yet where you feel that you need a budget, I did a series of posts in late 2019 about how to reign in the out-of-control spending.

 A big part of financial literacy is tracking where you stand financially. With identity theft happening to 22% of Americans (per a 2022 Bureau of Justice Statistics study), knowing what’s on your credit is important.  Obtaining your free annual credit report is easy.  Free Annual Credit Report is the site that I use.

Once you receive it, go over and verify all of the open accounts are yours. Contact the credit bureaus immediately if there are any incorrect names, addresses, or accounts.

If you are saving for your future, or your kid’s future, here are two great savings opportunities:

Savings bonds- Savings Bonds: The gift that keeps on giving!

529’s/ Educational Savings Accounts- September Is College Savings Month!

Fetch! 1,000 point bonus disappears today!

Start the year off right with 1,000 points for every friend who joins Fetch using your referral code and snaps a receipt. They’ll get 500 points, too! This bonus ends tonight, 1/4/2024.

There’s no limit to the Rewards you can earn, so tell everyone. It’s super easy, and each friend who signs up gets 500 points.

Referring friends is easy. Step one: share your referral code with friends. Step two: friends enter your code and snap a receipt. Step three: points are deposited into your account.

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!

 

Fine Print: In order for you to qualify for the increased referral bonus, your friends must enter your referral code and complete a valid receipt now through 11:59 PM CST on 1/4/2024. After 11:59 PM CST on 1/4/2024 the referral bonus will expire.

Try New Classes with ClassPass!

I saw someone online talking about this last week (and promptly lost the link), and after some searching, I found this offer!
I love to exercise, and I love trying new classes, however, my current gym doesn’t have a lot of classes that are available when I’m available.

ClassPass is an app that helps you find cool new workout opportunities near you! Right now, ClassPass has a 14-day free trial so you can try different classes and fitness centers in your to find a good fit. I love that ClassPass is affordable too. I have a basic gym membership that’s cheaper than a pizza, and I can supplement it with ClassPass.

Whether you want to sweat it out with a HIIT class, unwind with a massage, or stream a yoga class from your home, ClassPass makes it easy to prioritize your health and wellness.

ClassPass gives you worldwide access to thousands of top-rated gyms, fitness studios, salons, and spas.

Looking for something where you don’t have to leave home? Check out these free streaming videos on Amazon Prime. 

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Have Some Free Time This Summer? Earn Money with Surveys!

If you are like me, you’ve got a little free time this summer. Sitting on the pool deck while the kids swim, sitting at their martial arts classes weekly, and those quiet early mornings when the cat wakes you up for food but everyone else is asleep. I think the last one may just be me.

Regardless, there are tons of way to make a little extra money this summer. Enough for an extra trip to Starbucks, or a browse through the dollar spot at Target, or maybe more, depending on how much time and energy you wish to invest.

Here are a few of my favorite survey companies:

Inbox Dollars- Join for free and get paid to take surveys, shop online, try name brand products, and play games online.

 

 

 

Receive cash back from Kashkick when you read emails, complete surveys, take quizzes, referring your friend, and subscribing to special promotions. It’s super simple!

 

 

 

LifePoints is one of my favorites. It’s so easy! Join one of the largest influencer communities in the world. We’ve rewarded over $20 million to our members in the last year alone.

Share your opinions on numerous products and popular brands. Complete surveys and get paid for it!

Earn points that can be redeemed for rewards of your choice. Join today and get 10 LifePoints to kick off your earnings!

I’ve been using MyPoints since 2011, and I’ve earned a lot of cashback just by doing my normal online shopping, completing surveys, and using their magic receipts cash back program- all through MyPoints.

If you are looking for some more ways to make some extra money, check out my side hustle post here. And if you want to earn cashback and save money on your shopping, check out my complete list of smartphone apps here.

Free Arts & Crafts Classes at Michaels

I love Michaels! Not only do they have great sales and coupons, but they also have free Arts and Crafts classes at many locations. Our local location has three free classes coming up in April- I’ve signed up for all three. I love learning new craft techniques.

Did you also know that Michaels has a rewards club? Sign up for Michaels Rewards today and earn $5 in Rewards when you spend $25 or more!

 

March is National Craft Month! Free Crafts & Crafting Deals!

Did you know that March is National Craft Month?

It’s one of our favorite months of the year. We are definitely a crafty family. While I was researching for this post, Bitty Girl was drawing Gatcha girls at the kitchen table, and Big Kid was drawing maps for the dragon game he’s making.

For those of you who love crafts too, check out this sweet deal from CraftsyCelebrate National Craft Month at Craftsy! Get your 1-Year Premium Membership for only $2.49, originally $97!

Craftsy also offers a lot of free classes. Here are just a few that I love:

Chatbooks: Make a Photo Book Straight From Your Phone!

How many photos do you have on your phone? I have over 5000. I just checked.

You know that I am a huge proponent of photo gifts for family members (especially grandparents). That’s why I love Chatbooks. You can make a Photo Book straight from your phone using the Chatbooks app.

Download the app here and get started. It’s super easy to add, edit, and rearrange your favorite photos to create a beautiful photo book.

It’s simple to personalize your photo book with custom colors, layouts, cover styles, collages, captions, and more.

Chatbooks photo books are printed with archival paper and premium quality inks, so they will last!

With over 100,000 5-star reviews, the Chatbooks app is hands-down the easiest way to make a photo book, straight from your phone.

And best of all, the prices are great. So if you are looking for a way to downsize the photos on your phone without deleting them forever, check out Chatbooks. I’ve already made a couple for the kids out of state grandparents.

 

How I’m Saving Time and Money in 2023 and Beyond!

I’m posting a lot less these days because I now have a full-time job outside the house, and y’all- I’m freaking exhausted at the end of the day. weekends are spent doing family stuff (mostly playing with legos and drawing), and doing kid activities like martial arts and girl scouts.

I wanted to share with you some ways you can save money, score freebies, and even earn some money each month without running all over town, spending hours of time doing little penny surveys, or scanning your entire grocery order to earn points for junk (looking at you Neilson panel).

This is how I’ve been doing it for years, and now that I have even less time, I’m leaning on these more.

Automate

  •  Use the calendar in your phone to remind you of appointments, neighborhood free food distributions, sales, and even coupon events: I seriously put the Bath and Body Works coupon dates in my calendar so I remembered to use them.
  • I bought a subscription to  Yasukochi Family Farms CSA boxes. This way my fresh fruit and veggies are delivered to my door each week.
  • Set up auto-shipments for most needed household items. Vitamins/supplements, specialized food, and even pet food. There are all sorts of companies that offer this service including Amazon, Chewy, and Vitacost are just a few.
  • I order from Dream Dinners once or twice a quarter. Now that they have lower minimum orders, I can grab a few favorites and try a new meal with greater ease. I order online, and pickup is so easy- I drive up and they deliver to my car!

Organize

  • I reorganized the kitchen over Winter Break. I have printables available for free. If you are interested, please drop me an email and I can send them to you. They print in color or black and white.
  • I meal plan weekly. I may not have time to post them on the blog each week, but I’ll still have pics up on Instagram each week- it helps keep me accountable. I spend about an hour on Monday evenings meal prepping fruit and veggies that come in our weekly CSA box.
  • For more organization tips that work in our home, check out my post about managing a household with neurodivergencies here.

Disconnect

  • This one is hard, but I am trying to consume only meaningful media. Don’t be afraid to disconnect from Social Media Platforms, people, or advertising that does not serve you or your life. Unfollow people and brands, delete or pause apps as you see fit. Engage with media in a manner that serves you and fulfills you. Do what feeds your soul and makes you a better person.
  • Unsubscribe from emails that don’t serve you. It will make your inbox smaller and you won’t miss information and freebies that you actually want. In my case, it’s freebies from Social Nature, PinchMe, and research study invitations.
  • In the same vein, I am trying to consume less physical media, specifically, mail and advertisements. If I don’t see sales, I won’t be tempted to shop. Junk mail and sale fliers go directly into the recycling can next to our group mailbox.

Saving Money

This is the big one, the reason you wanted to read this post. All of the above will help you save money, but here are a few specific ways that I use to save money on top of all of the above.

  • Use the notes section on my phone to keep a running list of our stockpiles: Toiletries, laundry soap, canned goods, and paper products.
  • Use the notes section of my phone to keep a running grocery list for the week. As we run low on items, I add them to my list. Right now I shop at three stores: Food4less, Grocery Outlet, and Dollar Tree (for specific items that are cheaper there). Unless I have coupons or freebie offers for other stores-usually from Social Nature, I stick to those three. At this point with inflation, we eat meat once or twice a week.
  • Use money saving/rebate apps. My list is here, and it’s pretty up-to-date. Fetch, Ibotta, and Shopkick are my go-to apps, and they yield me the biggest payouts.

 

Today ONLY: Save 10% off TARGET GIFT CARDS!!

This is a freaking RUN deal!

Though today, score 10% off Target Gift Cards- In Store or online. Make sure to add the Target offer to your app.

And if you are a RedCard holder, you’ll get your usual extra 5% off.

There is a limit of $500 in gift cards, it’s an amazing deal.

If you haven’t checked out Target Circle lately, there are all sorts of great deals, especially on toys ($10 off $50 and $25 off $100), and all sorts of gift deals for big people too.

Click here to get started!

5 Tips to Save on Black Friday (and earlier)

Black Friday shopping is not my jam, nor has it ever been. I know a lot of people love getting up at the crack of dawn to save money, but I’d rather snuggle with my cat.

Some Retailers have already started their Black Friday Deals: JCPenney, Walmart, and Target have deals up on their sites and in-store now. Here are my top five tips to help you save a little more on Black Friday (and beyond):

  1. Make a List! This seems like a no-brainer, but make a list of each person you are shopping for and then list a few possibilities. There are still supply change issues, and that means some stores may be out of what you had planned.
  2. Use Rewards Programs to your advantage! I’m talking about Target Circle, Target Red Card, JCPenney Rewards, MyPoints, Swagbucks, and Ibotta. I did a bunch of holiday shopping yesterday online at JCP. JCPenney Rewards members earn a $10 bonus Reward for every $50 spent in-store and online on qualifying purchases 11/18/22-11/30/22. Limit 3 bonus Rewards per customer. I had already planned to do the bulk of my holiday shopping there anyway, so these rewards are a bonus that I’ll use to buy kid socks, which both kids need. And if you are looking for coupon codes- Don’t forget the Honey Browser Extension!
  3. Make a Budget and STICK TO IT. Seriously. And if you do stockings- take those into consideration as part of the budget.  I save Amazon Gift card codes all year for gift shopping, and I set aside a small count each month in a separate saving account for holidays and gift-giving occasions. I earn Amazon Gift cards by doing Research studies (like the ones I post about all the time) and surveys on  MyPoints and Swagbucks.
  4. If you shop in person, take cash. If you are easily tempted, take cash, and leave your cards at home. This forces you to stay on budget.
  5. Homemade Gifts are awesome!  If like me, your budget is very small this year, don’t forget to flex your craft/artistic/cooking skills. I make hats, cookies, pj pants, and aprons usually for several folks on my gift list. I use supplies that I already have on hand. I love making soup, so I’ll be making several large batches, freezing 4-6 serving-size portions, and giving them to family members.

And finally, remember that the winter holidays are not about gifts. They are about coming together with friends and family to celebrate. If you having a difficult time making the magic happen for your family this year, check out my 2022 Holiday Resources post here. In December I’ll be hosting an Amazon Gift Card giveaway as well.