frugal life

New Year’s Resolution #7: Get Organized

Abby H.3 Comments

Throughout 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!

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#7 is a resolution that I thought would be closer to the top of the list: Get Organized.

For some people that means professionally, financially or personally.  I can’t help you with your professional life, but I can help you with some tips to getting your finances and personal life organized.

balancing-a-checkbook-paying-billsOrganize your Finances:

You really can’t start to save money unless you get your finances in order.  I cannot stress how helpful setting up a budget has been for our family.

There are a few companies that offer free budgeting tools: I like both Manila and Mint. Check both out and see which one suits your families needs.

Calendar_0Organize your Personal Life:

Use a calendar.  It doesn’t have to be a paper one.  I have a paper calendar on my desk.  I write all of our play dates and appointments, parties, and other functions outside of the house on it. That way I can see at a glance what’s going of for the week. If you’ve got a smart phone, you can utilize the calendar feature. iPhones can sync to the iCal on your desktop computer. If you opt for it, iCal will pop up reminders on his phone and the computer. He uses it for business and home.

  • If you want to use a calendar online, Google’s Calendar feature is great, especially if you use Gmail.  It can add appointments, reminders and birthdays from your email into your calendar and it will remind you of them!
  • If you don’t use Gmail or Google, Facebook has a great calendar under the events tab from your FB feed.  It shows you upcoming events and birthday and it’s easy to plan or add an event with the “+Create Event” button.
  • If you are looking for Coupon Organizational methods, I’ve written about how I organize my coupons here.
  • I am always getting packages! I signed up for a USPS.com and now I get a text when a package ships and when it arrives! It’s a great way to keep track of packages that you are expecting.

What is overage? (or how I score groceries for free)

Abby H.1 Comment

DSCN7877Overage is a wonderful thing. If you read deal blogs or watch Extreme Couponing on TV, you’ve heard the term, but maybe you aren’t familiar with the meaning.

Overage is money that you receive back, either as cash in hand or money off the rest of your order when you have a coupon whose face value is higher than the price of the items.

Most grocery, drug and mass merchandisers do not allow overage. They will adjust the value of the coupon to make the items free. Walmart, however, does allow for overage. This means I shop at the largest Wal-Mart closest to us, because it has a huge grocery section.  I usually go once a month.

For those in the military or who have base privileges, the commissary also allows overage.

The secret to getting the overage is to purchase the least expensive item allowed by the coupon. Often times, this means the smallest item allowed. If there are no size restrictions, this means you might be able to use a coupon on a travel or trial size! Check all of the fine print on your coupons.

For example, I received 2 coupons for $10.00 off any Butterball item (I won them in a contest online) and this is how I used them:
2 Butterball Turkey Burgers $6.98/each

  • -2 $10.00 any Butterball Turkey product coupon
  • = $6.04 Overage

Generally, I use overage to purchase items I did not have coupons for (usually fresh fruits and vegetables).

If you are looking for some recent coupons that might provide you with some overage at Walmart, Paul over at I Heart The Mart has an awesome list of items at Walmart for $1 or less. 

What have you scored recently for free or received overage on?

Review: Lovely Candy Co. Tasty holiday treats!

Abby H.

The Lovely Candy Company sent me a box of their super yummy treats recently, and oh my goodness are they tasty!

The favorites were The Fudgee Rolls and the Sea Salt caramels. They were so decadent and rich, without having too many calories or fat. The cherry licorice were a follow up favorite. Lil’ Man devoured them!

What I really liked is that Lovely candies are all natural, certified gluten free, tested non-GMO, certified kosher and contain no high fructose corn syrup or artificial ingredients. So while they are a sometimes treat, I can feel better knowing they are a better choice than other candies out there!

We still have a few bags to try, but I’m sure they will be super tasty. We don’t eat a lot of candy, so it takes us a while to get through treats! These would be a great addition to any holiday gift basket or stocking!

Lovely Candy Co and US Family Guide provided me with complimentary candies to facilitate the review. I was not financially compensated to write this post, all opinions are my own.

 

New Year’s Resolution #3- Live a richer, fuller life (without spending more money)

Abby H.3 Comments

Throughout 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!
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Of the Top Ten New Year’s Resolutions, number three on several lists is to live a fuller life.  What does that mean?  Get out, do more.  Don’t just sit on your couch, watching WWE and eating microwave popcorn. Of course, I want you to get out there and live it up, but, I don’t want you to spend a lot of money.

Here are some tips to live better and keep your budget in check.

  • Use all of the perks and benefits afforded to you by your job.  Some employers offer on site gyms, discounts on cell phone contracts, discount movie tickets, discount attraction passes.
  • Take advantage of free community events.  Check your City’s local Parks and Recreation Department website for free movies in the park, city events around holidays (Our local municipal Lake has a fun Easter event each year that is free).
  • Speaking of Parks, use of community parks is free.  Take a picnic, go for a walk, heck, go play on the playground equipment! Some local parks have walking trails or exercise paths.
  • Many businesses offer discounts to military, seniors, and other professional groups. Don’t be afraid to ask!
  • When you go to the doctor or dentist, don’t be afraid to ask for samples of medications or toothpaste/floss. When we take Lil’ Man to the pediatrician for his wellness check ups, she’s always giving us coupons and samples.  Doctors receive coupons and samples from companies and reps to give out- take advantage of it!
  • If you are looking for a way to experience theatre for free and have some time to give, consider volunteering to be an usher. In most areas across the Unites States, many of the larger theatre companies are actively seeking ushers. If you are unsure if your local theatre or musical organization needs volunteer ushers, call their administrative office and ask, or check their website and drop them an email. Many theatres, orchestras and symphonies are non-profit organizations. They rely on volunteers to help their organization succeed. Museums need volunteers as well to be docents, hand out brochures, and help with special events. If there is a local museum you like, think about volunteering. You will get to spend time in a place you like, and you will be helping an organization.

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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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!

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:

Lovely Candy Co. Non-GMO, HFCS Free Treats!

Abby H.

The Lovely Candy Company makes premium, consciously crafted candies for consumers looking for indulgent treats which offer the best ingredients available.

Lovely candies are all natural, certified gluten free, tested non-GMO, certified kosher and contain no high fructose corn syrup or artificial ingredients. They have Chewy Caramels, Fudgee Rolls(think a better Tootsie Roll), Fruit Chews with real fruit pieces, and Gluten-Free Licorice. A great treat for you and a fantastic treat for the whole family.

Live Life Lovely! Get your Lovely Candy for the Holidays TODAY! www.lovelycandyco.com

I’ll be posting a review in the next few weeks! I can’t wait to share these yummy candies with my friends and family!

Schoola: Two Deals- Two Ways to Save!

Abby H.

16_Nov_COZY_Blog 11_17Nov_woobox-blogpostRight now Schoola has two ways for you to save big!

Now through 11/22/15, save30% off sitewide with code COZY30.

This code can be used as many times as you’d like up until 11/22. You can combine it with referral credit, but not with other coupon codes!

Looking for another way to save? Sign up for their email newsletter to hear about Black Friday deals and holiday steals. You’ll get a $5 coupon code to use right away. Already get our newsletter? No worries, you can still sign up to get the deal.

Wanna spread the love of Schoola? The Give $20, Get $20 deal is back!
When you share your unique Schoola referral link with a friend, they get $20 to spend on their first order. As soon as they make their first purchase, you get $20 in credit.

We’re doing our next batch of tie dying on Thursday morning, and thanks to Schoola’s amazing sales and prices, I’ve been able to amass 16 shirts and onsies in various sizes and styles to tie dye!

I’d love to see what you’ve scored from Schoola!

 

 

Change is in the air at Checkout 51

Abby H.

Screen Shot 2015-11-09 at 7.00.53 AMI’ve written about Checkout51 before, it’s a rebate app that saves you money on groceries.

Well, they’ve merged withNews America Marketing, the brand behind SmartSource, and according to their press release email, “we’ve been working on some big things for your offer list.” What does that mean, exactly? I’m not too sure, but I’ll keep my eyes open and we’ll see.

Hopefully it means better offers, or an option for paypal as a pay out. Right now you have to cash out and wait for a check.