6 Tips for Combating the Mid-Year Frugal Slide

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It’s July, and for most of us, Our New Years Resolutions are a thing of the past. Mr. and I were talking today about ways we could reign in our budget. We’re not making it rain by any means, but… we could make a few changes. Here are my top ten tips, and trust me, I’ve already started incorporating some of these. I’ll have all of them back in the works by weeks’ end.

  1. Back to meal planning and sticking to it. No more trips to Denny’s when I am feeling lazy in the morning, or Mondays after group therapy.  That means I’ll be back to meal planning posts and new recipes too. And I’ll have several “back up dinners” on-hand in case the day gets away from me, or it’s too hot to cook the original meal. I took advantage of the sale on chicken breasts at Smart & Final the other day, and picked up 10 lbs. I came home and cut up the whole half breasts into more manageable sizes, and marinated some of it with different spices and put it in ziploc bags in the freezer. 10 lbs of chicken should get us 5 dinners, plus leftovers from each meal.
  2. Back to maintaining a robust snack bag in the car, refilling it daily, and remembering our water bottles when we leave the house. I fill our water bottles (we have these for the kids and these for the adults- in 40 oz) with water and ice before we leave in the AM and refill them as needed throughout the day in various places.
  3. In conjunction with #2, start taking surveys on receipts for deep discounts and free stuff again. I am Sonic’s text list, so when they have a daily deal that I have change in my car for, the kids and I stop for .50 ice cream cones, 1/2 price drinks (cherry limeade!). Frequently when you check out, there is a survey on the bottom of the receipt that will score you an XL (Route 44) size beverage for free! I really need to get back into stretching the buck.
  4. Check all my apps before I go shopping. I’ve been bad about this over the past few months. I’m sure I’ve missed out on Ibotta deals, Checkout 51 offers, and Cash Dash promos. No More! I’m back, baby!!
  5. Allowance. Yup, just like a teenager, I’m putting myself on an allowance, and Mr. is going to as well. I’m sticking to $40 in the summer, and $25 once we are back to school. This will just be for “fun money”. I still shop around for gas to stay within budget for gas each week. Costco is usually the cheapest.
  6. Keeping eyes open for cheap entertainment. Big Dude is in ESY (summer school) for the next few weeks, so a lot of the traditional summer things that are fun and cheap we haven’t been able to do (like Regal Summer Movies). We’ve mostly been doing fun stuff at the library, which is free, but I think we need to look beyond that. It’s starting to get too hot for park play dates!

I’d love to hear from you about how you combat the frugal slide. What do you do when you feel yourself slipping off your track?

New Month, New Coupons!

I’m a day late, I totally forgot it was the beginning of the month!

file000786402730Here is your monthly reminder!  A new month means new printable and electronic coupons!

Check out the following sites:

One of my favorite website 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!

Here are just a few of the new coupons that have me excited:

Save $0.50 when you buy ONE BOX Reese’s Puffs cereal
The kids love this cereal, esp. straight from the box.
Save $0.50 when you buy TWO any flavor/variety LÄRABAR™ bars

There aren’t too many new coupons this month, sadly, however, if you check out the Smartphone apps link above, you’ll find that there are plenty of ways to save and earn money. I recently cashed out $20 on Ibotta and $25 on Dosh!

New Dosh Promotion: Refer Friends, Get $15

In January, I introduced you to Dosh, a new Cashback app that you can use at tons of stores and restaurants all over.

I opened my email yesterday to discover this:

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Limited Time Promo: Get $15 for each friend you refer to Dosh who links a card and gets in-store cash back for the first time.*

Promo ends April 13th at 12pm CT, so start referring! Click for details.

So get Dosh-ing!  I now I’ll be saving my referral $$ to bankroll my next giveaway (Hint- it rhymes with Smamazon Smiftcard).

I’ve earned over $60 since January just by doing my normal shopping.

 

Ibotta: April is Referral Cash Match Month!!

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Ya’ll know I love a good Cash Back app, and Ibotta is pretty high on my list. In fact, prior to writing this post, I cashed out for $32.58. I had to share this latest promotion!

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During April, get $5 for every friend who signs up with your code and redeems an offer AND we’ll match their cash back for you — whatever they earn this month, you’ll earn too! Sounds pretty sweet.

If you aren’t sure about all this Cash Back App stuff, check out my post here. But here is just an example of how you can earn money for stuff you usually buy:

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And this offer is available at over 50 stores (including Costco). There are also offers for fresh fruits and veggies, fresh meat, breads, shelf stable food, canned goods, frozen food. There are 75+ offers on the Ibotta App at any time.

 

Disclaimer: This post contains my referral link, and if you sign up and complete the offer, I’ll get the deal too. I use the money I earn from referrals on the blog to pay for hosting fees and giveaways- And also my weekly trip to Starbucks. You can check out my Disclosure for all of the deets.

Why I Love…. My Smartphone

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I am not what is referred to as an early adopter of technology. I held onto my flip phone until about 2 1/2 years ago. Seriously. My Flip Phone didn’t even have a camera.

Now that I have  smartphone, I don’t know what the hell was wrong with me. My phone does everything! My purse is a lot lighter now that I no longer carry a planner, memo pad, and a few dozen pens with me. I also carry a lot fewer coupons too.

That is mostly because of all of the amazing apps out there. Check it out:

This is just the first page of the Money Saving screens. I have one other that’s mostly grocery store apps (Ralphs, Food4Less,), and also apps like Shopkick.

What I love is that a lot of these apps can be used together, and with paper coupons in some cases.

I recently posted about Dosh. I love that I was able to take advantage of a 10% cash back offer from Denny’s through Dosh, after I had used a $5 off coupon in the restaurant. Then I uploaded the receipt to Receipt Hog to earn points (that I redeem for cash sent to my paypal account), and there was a Cash Dash offer of 2% back.

My full list of Smartphone apps can be found here. 

In addition I use my talk to text multiple times a day. I also have “Hey Siri” enabled, so she can send texts, take notes (frequently ideas for posts or articles), and answer stupid questions while my hands are occupied. I do a lot of work while I’m driving. Siri is like the secretary I’ve always wanted.

I’d like to think that I am more productive with my phone- and my hands free phone holder.

 

Earn Cash back with Dosh!

Screen Shot 2018-01-17 at 1.42.28 PM.pngI love a good cash back app.  Dosh is the latest, and it’s a little different than the others out there right now. Dosh is primarily for restaurants (including Denny’s, which is the kid’s favorite), but there are retailers like Hallmark, Forever 21, Cost Plus World Market, and Sam’s Club.

Signing up is easy, and there are no receipts to scan, or photos to take.  Sign up here, then link your credit and debit cards.  Once you use one of the cards at a participating retailer, you’ll get a push notification from Dosh, and in just a few days, you’ll have cash back!  The Cash Out threshold is $15.00 which is pretty easy to get.

Right now when you sign up and link at least two cards, you’ll get a $10 bonus!  Refer friends and receive $5 per referral that signs up and receives their first cash back!

Thanks to my kids and their love of Denny’s, plus all of the other great extra ways to earn money with the app, I’ve already cashed out $20!

Here is my pro-saving tip for the day: Double or triple dip on this by using coupons (There were Denny’s coupons in the mail recently, and many of the retailers that participate also have coupons out there) to lower your Out of Pocket (OOP), and then scan your receipt into Receipt Hog, and check apps like Cash Dash to see if there are any cash back opportunities. And if you shop at Sam’s Club, check out Ibotta, Fetch Rewards, and Checkout51 for more rebate/cash back opportunities! You’ll be earning in NO TIME!!

(The Dosh Link is my personal link, if you sign up and complete an offer, I may earn $5. This money helps me run the site and offer contests and giveaways. You can see my Disclosure  info here.)

A New Month (and Year!) Means New Coupons!!

A New Year means that a lot of us are starting off with goals like saving money, eating better, and spending more time with family. I’m here to help you with the first two this morning!

file000786402730Here is your monthly reminder!  A new month means new printable and electronic coupons!

Check out the following sites:

One of my favorite website 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!

Here are just a few coupons to help support healthier eating!

Save $1.00 on ONE (1) 59oz or 89oz Simply Orange®
Save $1.00 on any ONE (1) Bottle of Sunsweet® Juice
Save $1.00 on the purchase of any one (1) WHOLLY GUACAMOLE® product
Save $1.00 when you buy ONE POUCH any flavor LÄRABAR™ Bites
Save $0.50 when you buy TWO any flavor/variety LÄRABAR™ bars
Save $1.00 On one (1) Pure Protein® Bar Multipack or Shake Multipack
Save $0.75 on ONE (1) Stevia In The Raw® Packet Box
Save $1.00 when you buy ONE CAN any flavor Progresso™ Organic Soup
Save $0.75 on ONE (1) Monk Fruit In The Raw® 40 Count Packet Box or Bakers Bag
Save $1.50 on ONE (1) Stevia In The Raw® Bakers Bag
Save $2.00 any ONE (1) Benefiber® product
Save $3.00 ONE Align® Adult Chewables Product (excludes trial/travel size)
Save $1.00 ONE Metamucil Fiber Supplement Product (excludes Metamucil Appetite Control and trial/travel size)
Save $1.00 on any ONE (1) Saffron Road Snack
Save $1.00 on any ONE (1) Saffron Road Frozen Product

Is Part of Your New Years Resolution to Save Money?

file7251237401168.jpgDoesn’t everyone want to save money?

There is no better time to start than January 1st- New Year, New Start!

If you want to start the year off with a Frugal Mind, Check out my posts below. I wrote most of them a few years ago, but all the advice/tips/tricks are still applicable.

Here are the top ten resolutions, and tips on how to make them all happen!

Resolution: #1 Make More Money!
Resolution #2: I want to save money!
Resolution #3- Live a richer, fuller life (without spending more money)
Resolution #4- Spend More Time with your Family (without breaking the bank)!
Resolution #5 & #6 Exercise & Lose Weight
Resolution #7: Get Organized
Resolution #8: Learn Something New
Resolution #9: Quit Smoking
Resolution #10: Reduce, Reuse, Recycle

If you feel like you are too busy to “deal with” coupons:

6 Tips to Save Money WITHOUT Clipping Coupons!
How to save money without coupons: Part One- Meat!
How to save money without coupons: Part Two- Produce!
Simple Steps to Save at Target

I hope these tips and articles help!

New Month, New Coupons!

I’m a few days late, but I’ve been super busy! Planning hubs Birthday fun, getting prepped for the holidays, and taking care of sick kiddos (and me too!).

file000786402730Here is your monthly reminder!  A new month means new printable and electronic coupons!

Check out the following sites:

One of my favorite website 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!

Here are just a few of the new coupons that have me excited:

Save $1.00 when you buy FOUR any Progresso™ products (excludes Progresso™ Broth, Bread Crumbs & Pasta Bowls)These will be on sale at Alberston’s starting Wednesday, .79/each WYB 4. using this coupon bring them down to .54/each!

Save $0.75 on ONE (1) McCormick® Good Morning Slow Cooker Breakfast (Redeemable at Walmart)

Save $1.00 on any ONE (1) GODIVA Masterpieces Individually Wrapped Chocolates or Chocolate Bar (any flavor variety)

Earn Rewards with Fetch Rewards!

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Have you heard of Fetch Rewards? It’s the newest in receipt scanning, cash/reward apps. Most of us already know about all of the other smartphone apps (my list is here) that get you cash back or other rewards (like gift cards).

Fetch Rewards is different. Shop at any store, scan your receipt and earn points that you can redeem for Amazon Gift Cards (or other GC’s, I just love me some Amazon GC’s). You can use coupons, you can even use other apps like Ibotta, Checkout51, or Find&Save to double or triple dip.

Gift card cash outs start at just 3000 points for a $3.00 Amazon gift card!

Here’s how it works…

Purchase your regular groceries.. Seriously! Fetch Rewards is partnered with brands like Pepsi, Quaker, Starbucks, Naked Juice, Axe, Dove, St. Ives, Suave, Jello, Dreamwhip, Kraft, Coors, Miller, Polly-O, Oscar Mayer, Boca, Cool Whip, Weight Watchers Smart Ones, the list goes on! You can see the full list here.

Open the app and scan in your receipt. The app does the rest. It goes through your receipt and picks out the brands you bought and gives you points!

And it gets even better, they have Bonus Point Deals! Score Extra points when your purchase specific items! Here are a just a few available now:

See, it’s actual food from actual brands you have heard from before! And you don’t need to pre-select the deals before you go to the store to shop!

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 1500 points after you scan in your first receipt with Fetch Rewards. That’s half way 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 1500 points when you do. Win/Win, right? Honestly, my disclosure statement is here. I’m here to help ya’ll save money, not make a million dollars!

This is a great way to save up giftcards for holiday shopping or to defray other costs (They also have CVS and Target GC’s available).