frugal life

6 Tips to Save Money WITHOUT Clipping Coupons!

Abby H.4 Comments

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Trust me, it can be done! There are lots of people who ask me about saving money, but they announce that they don’t want to bother with clipping coupons. They either lose them, forget them, or are embarrassed to use them. That’s ok. There are still ways to save money!

Here are a few:

  1. Use money saving apps. My list of favs (and links) is here. I use these in addition to coupons and I save a ton. I was at Target buying shampoos and body wash the other day. After coupons and other discounts, I paid $14.86. After submitting my receipts to Ibotta and SavingStar, I got back and extra $7.99 in my paypal account!
  2. Don’t forget your loyalty card! Some stores like Vons, Ralphs, heck even Best Buy have loyalty cards. Some offer discounts on the spot, and some accrue discounts to more you shop and scan your card!
  3. Don’t forget your discount! Some stores offer discounts to military, teachers, and peace officers. And if you are a senior citizen there area plethora of discounts waiting for you!
  4. Buy what’s on sale! If you have a choice between an item that’s on sale versus an item that is full price that is comparable size….
  5. Check out the Price per Unit to see what is the best deal. Bigger isn’t always better!
  6. Reusable bags can net you some savings….In addition to helping Mother Earth, some stores (like Target and Sprouts) offer a discount of .05 per re-usable bag used. A nickel isn’t a lot of money, but over a year, they can sure add up! I use between 5-10 bags each time I shop.

 

Price Per Unit: Is Bigger Better?

Abby H.4 Comments

random-aisle-photos 013The price per unit helps you determine if the jumbo sized drum of applesauce is a better deal than a regular sized jar. How to determine the price per ounces is easy, most of the time stores do it for you! Take a look at the shelf tag- it should give you a price per unit, usually in ounces (oz.) or pounds (lb.).

If the price per ounce/pound on the larger container is smaller, then it is a good deal. When comparing, make sure both containers are using the same unit of measurement

Here is an example of what the shelf tags can look like:

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The majority of shelf tags will list:

  • The Item
  • The size of the container (in ounces, pounds, or units)
  • The Price of the item
  • The price per unit (in ounces, pounds or units)

This is also a great strategy to see if the store brand or a brand that isn’t your usual brand is a better deal than what you normally buy.

If your store doesn’t have shelf tags that break down the price per unit, here is how you can figure it out- I recommend using a calculator.

Take the price of the item and divide it by the number of ounces/lbs/units in the package.

Let’s use for our example the Uncle Ben’s Buttery Ready Rice, pictured above on the left.

$1.93 divided by 8.8 ounces equals .219, which is 21.9¢ per ounce.

If you keep a Price Book, you might want to  include a space for unit price, you would write 21.9¢ in the Unit Price Column. You can round up, or leave it as a fraction of a cent, to get an exact price for comparison. Learn more about price books here.

Gardening: Fun for the whole Family!

Abby H.
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watering and talking to the bell pepper plant.

Henry loves to garden. He loves planting seeds, watering, talking to the plants , and harvesting the fruits and veggies (even if he isn’t too hip on eating them all-yet!)

I think that it’s because of our heritage. My Maternal Great-Grandfather was a farmer in Minnesota.

Since we live upstairs in a condo, we don’t have 40 acres to plow and sow. So, like many urban farmers, we turn to container gardening. I have a growing Pinterest Board dedicated to container gardening, and I encourage you to join it!

Here are a few ways that we were able to start our garden on a budget:

  • I kept my eyes peeled on Craigslist free section for pots, I also put feelers out on social media for anyone getting rid of pots. That’s how we scored an awesome clay pot for our wild flowers!
  • We purchased heavy duty plastic pots at 99 Cents Only. They have a great selection of basic gardening tools, pots, planters, and tomatoes cages- all for $1.49 or less!
  • I found a great deal on seeds at Dollar Tree. I was able to pick up this box of seeds for only $1.00!  I only used part of the box, since we don’t have a lot of room for our flowers. In addition to American Seed brand, they also had some Burpee brand seeds!
  • Most gardening stores are having sales right now- check out your local shop and see what kind of plants are on sale! We picked up a huge bag of soil, organic tomatoes (complete and in a planter with a cage), Green Bell Pepper, a 6 pack of strawberries, and a lavender bush for less than $50.  We opted to purchase some plants in addition to seeds, just so Henry doesn’t lose interest in our garden (waiting for a tomato seed to grow into a bush is mind-numbing).

We are saving money on water too! Whenever it rains, we get out our rain buckets and collect as much as we can. It usually is only a few gallons, but we are able to use that water and not turn on the tap.

If you are new to gardening and aren’t sure what to plant or where to plant, check out Sunset Magazine’s Climate Guide. It will give you the ins and outs of when and what to plant. Luckily here in San Diego, it’s pretty temperate all year, so we can plant a lot of different plants.

Some of you may be wondering why we are growing wild flowers and lavender, since neither will produce any food. Well, no food for us, but food for bees! Without bees to pollinate the flowers on our fruit and veggies plants, there would be no food for us to harvest and enjoy! I try to plant flowers each year to entice the bees to visit our garden!

Our Garden Stones!
Our Garden Stones!

Last year we hand garden stakes with the names of our crops written on them. The sun faded them in no time. This year, we opted to do garden stones. I found a great project on pinterest and changed it up based on our needs.

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IMG_3957We were recently gifted with two HUGE boxes of craft supplies and they contained these really cool wooden Whirligig/spinners (kinda like these). All we had to do was paint them! We quickly painted them up and added them to our planters!

I think gardening is a wonderful project for any family. It can be as small as a tomato plant on your patio, or as big as renovating your backyard to have a mini-farm! Gardening teaches kids about the life cycle of plants, and how to care for something else. I think it’s important that everyone know where food comes from, and how hard it can be at times (especially when you are waiting for it to ripen), so that we don’t take for granted our food.

Talk Back: I’d love to see your gardens too! Please comment with a photo, or let me know what you are growing!

Score a free box of Quest Bars from VitaCost!

Abby H.

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We eat a lot of protein bars, especially when when we are on the go on the weekends and on busy school mornings. I love a cup of black coffee with a protein bar in the morning!

Right now you can score a free box of pumpkin pie Quest bars from Vitacost.com when you use code FREEPUMPKIN at checkout with any $25+ purchase.

I love Vitacost- They have great deals on vitamins, supplements, and natural skin and body care.  They usually have great promotions and freebies too! Just type in Free Sample into the search bar here.

Oh and it gets better! Free Quest bars, Free Samples, and $10 off!!  Sign up through my link here (I get a $10 discount off my next order of $30 or more too) and you’ll get $10 off your order of $30 or more.

Not sure what to buy? I get PB2 from Vitacost!

Take 5% off Schoola and get $5 Starbucks GC!!

Abby H.

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By this time, you know my love of Schoola! Great gently worn clothes for kids (and women) at a decent price, and they give 40% of each item’s purchase price to local schools!

Right now, they’ve got a great deal! Because you’ve helped us raise money for so many schools, Schoola is treating you to 5% off and $5 to Starbucks! Use the code below now until 2/14 and we’ll email you a Starbucks gift card.

Spend $20, take 5% off  + Free Shipping and Get $5 to Starbucks
Use Code LATTELOVE

Please note, codes are not valid on new-with-tags items. Limited one code per order. Offer for a limited time. Must spend $20 with the code to qualify for the Starbucks gift certificate.

And if you are new to Schoola, when you sign up here, you’ll get $20 in credit to spend (which you can use with the coupon code to save even more!!)

It’s BACK! Free FroYo Day!

Abby H.

Is it wrong that I look forward to this every year?

Screen Shot 2016-01-25 at 10.37.39 AMFebruary 1st is National Frozen Yogurt Day and that means free Fro Yo at Menchie’s!

It’s from 4-7pm on Monday, February 1st!

Fine Print: The first 6 ounces are free on February 1, 2016 from 4pm – 7pm. Additional ounces are at cost to the consumer. Limit one cup per guest while supplies last. Flavors are available at participating locations, while supplies last.

This is going to be a great after school treat for our family! As more Free Fro Yo offers are announced for other fro yo companies, I’ll post!

DIY Frozen Pizzas!

Abby H.8 Comments

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A cheese pizza baking away (and a calzone)!

We love Pizza. Probably too much. About 6 months ago, hubs bought How to Cook Everything: 2,000 Simple Recipes for Great Food,10th Anniversary Edition by Mark Bittman. It’s amazing. We’ve cooked a lot of stuff out of it, but the best is probably the pizza crust recipe.

It’s easy -only three ingredients, but I usually add a few extra!  You can make a few batches, put a ball of dough in the freezer, and save it for when you want pizza, but are feeling lazy. OR- You can make a couple frozen pizzas (which I do once a month), and when you are feeling really lazy, you’ll have no need to call Noid or Cesar (wow, both of those totally date me, right?)

DIY Frozen Pizza

Makes 1 pizza

Crust (recipe adapted from Mark Bittman’s):

  • 3 c flour, plus extra for kneading
  • 2 t. yeast
  • 1 c. very warm water (90-100 degrees)
  • 2 T parmesan cheese (it’s ok to use the Kraft in a green canister stuff)-OMIT IF YOU ARE VEGAN!
  • 1 T Olive Oil
  • dash salt
  • dash pepper

 

Directions:

  1. Preheat oven to 450 degrees.
  2. Mix all of the ingredients together until a soft sticky dough ball forms.
  3. Turn out onto a floured board or counter top and knead briefly.
  4. smooth a round ball of dough into a clean bowl. Cover bowl with a cool, damp cloth and allow to rise someplace undisturbed for 1 hour.
  5. After an hour, punch the dough, and turn out onto a floured board or counter top and knead for 2-3 minutes. At this time, you can roll the dough out and move onto the next step, or you can do a secondary rise (makes the crust extra crispy and chewy). If you elect to do a second rise, repeat step 3 and 4.
  6. After dough is rolled out to your preferred size and shape, lift into well greased cookie sheet or pizza pan. pierce the crust with a fork several times. This keeps the crust from getting weird bumps and lumps during the par-baking.
  7. Par-bake crust for 3-5 minutes. Allow crust to cool completely.

Now that you have cooled par-baked crust, it’s time to get topping! Transfer the pizza to a large piece of aluminum foil.

  • 1 cup or so of sauce, your choice
  • 1-2 c. cheese
  • Assorted toppings (precooked meats, veggies, fruit, herbs, etc)

Top the pizza as you like,, wrap the foil around the pizza, loosely around the top of the pizza so you don’t squash the toppings. Place in a large freezer zip top bag (don’t forget to label what kind of pizza it is) and freeze. pizzas should freeze at least 24 hours before cooking.

To heat, bake pizzas at 450 degrees for 8-10 minutes

IMG_2938Some of our favorite pizzas include:

  • Gyro (Sprouts sells it wit hthe pre-sliced deli meat!), feta, and spinach
  • Caramelized onions and peppers and sliced meatballs with cheese
  • whatever veggies we have in the house (broccoli, spinach, onions, peppers) topped  with cheese
  • chicken, bacon, and pepper jack cheese

 

You can substitute in whatever your fav crust is, whatever sauce, cheese, and toppings you like! And because the pizzas are room temp/cooled when you top them, it’s a great opportunity for kids to help assemble pizzas. These pizzas are a frugal way to have a yummy dinner- Each pizza costs about $3.00 and feeds the three of us!

 

 

DIY Powdered Laundry Detergent….

Abby H.

IMG_2769So I did it. I broke down after years and years of saying I’d never make my own laundry soap and I did it. If you do a quick search on Pinterest, you’ll see a lot of recipes that makes a 5 gallon bucket of thick white (or off-white) gloppy laundry detergent. With two curious kids under 5 years old, I didn’t think having that around my house would be a good idea. Plus, where the hell would I keep it? Our garage isn’t attached, and my washer and dryer are in a closet in the hallway. 5 gallons of water weighs 40-ish lbs, so 5 gallons of liquid laundry detergent would be about the same, maybe more. That’s a lot more than my poor, flimsy laundry closet shelf could handle!

However, after tons of research and testing out ingredients, I cobbled together a recipe for powdered Laundry detergent. Here are the ingredients I used and the reasoning behind each one:

IMG_26871 Large Bar Zote Soap, grated: My great Grandmother used this soap (as well as Fels-Naptha, but I couldn’t find it in my local store) to wash their laundry in the days before they had indoor plumbing in their farmhouse (BTW, that was the 1950’s). She had an old style washing machine like this, complete with ringer. Her laundry was always super clean, so I knew that starting with a good soap was key. (It makes roughly 4 cups of grated soap) If you don’t care for Zote or Fels Naptha, I’ve seen others use Dr. Bronner’s Castille bar soap.

 

IMG_26864 Cups Borax: This is a pretty controversial ingredient because Borax is toxic if ingested. News Flash: DON’T EAT LAUNDRY DETERGENT. You wouldn’t pop a Tide Pod in your mouth and start chewing, so home made detergent shouldn’t be any different.  Borax is great in your wash if you have gross little boys (or not so little boys).  Here is a pretty good article that talks about how Borax works. I use a little Borax in every load of laundry, with commercial detergent too!

4 Cups Arm & Hammer Washing Soda (NOT BAKING SODA- THIS IS AN IMPORTANT DISTINCTION!!): Washing Soda is also another ingredient that people get crazy over. It’s NOT baking soda. It is not to be ingested, it is slightly caustic (I wear gloves and a mask when I work with it). This page tells you about it and how it works. Basically it acts as a solvent to help removes stains, it also helps soap or detergent foam and clean better!

Directions are easy: Grate your soap. I used a hand grater, but you can also use a food processor (I don’t have one).

Mix all your ingredients together and store in clean, dry jars. I used Ball Mason Jars because it’s what I had on hand, but whatever you have will work. A friend re-uses her empty protein powder canisters.

All you need is 1-2 tablespoons per load (for the record I use 2 T. per load because our clothes get really dirty playing outside and exercising every day).

Using 4 cups of each ingredient will yield a little less than 12 cups of detergent (The grated soap settles down once everything is mixed together) which is approx 144 loads of laundry. I paid about $12.50 for all of the ingredients, and I still have leftover Borax and Washing Soda for my next batch.

This detergent will not get sudsy/bubbly, however, your clothes are getting clean. Our clothes have never been cleaner and honestly, it’s one of the few detergents I’ve used (and trust me, as a couponer, I’ve used pretty much every brand of laundry detergent there is!) where I don’t have to pre-treat every single stain and scrub.

Scent: Some recipes call for essential oils or even Downy Unstoppables to add scent. We personally don’t like over scented detergent, so the light lemony scent from Zote is more than enough for us. If you like you clothes to smell like something, you can add 10-20 drops of Essential Oil (lavender is popular), or 1/4 cup of Downy Unstoppables (I REALLLLY don’t recommend this since it has softeners in it too).

About Fabric Softener: We don’t use fabric softener like Snuggle or Downy Unstoppables because it just coats the fabric with a waxy residue and leaves a film on it. After years, towels can stop being absorbent, and clothes can feel sticky or turn another color. If you need fabric softener or something to keep the static down, I recommend a vinegar rinse in your washer (like you would with liquid Snuggle), or wool balls in your dryer.

 

 

New Year’s Resolution #10: Reduce, Reuse, recycle

Abby H.3 Comments

So this is the last one! I’ve been meaning to post this for a week or so, but I hurt my wrist (I fell while hiking!), so I’ve been off the computer a lot.

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#10 is a big one for our family! Reduce, re-use, recycle!

Reduce:

  • Buy less stuff. That one is pretty simple.
  • Use what you have on hand.  There are some pretty awesome websites like Recipe Key and Recipe Matcher that help you find recipes based on what you have in your pantry.
  • Reduce your waste out put.  I’m not asking you to hold it when you gotta go, but put your eggshells and coffee grounds in your house plants and tomato plants.  Try composting.  You’ll be  reducing your carbon foot print and you’ll make your plants happier!

Re-use:

  • Re-purpose items!  This includes eating your leftovers.
  • Here, here, and here are some great Pinterest boards that have re-using ideas.
  • I love this one: Making re-usable shopping bags out of old t-shirts (they make a great gift too).
  • Mend your clothes- including fallen hems, loose buttons and minor tears.  Sewing kits are inexpensive.  If you don’t know how to sew or even thread a needle, check out YouTube for some tutorials. And hey, you’ll learn a new skills!

Recycle:

  • In some areas, recycling is done by weight (like the majority of the recycling centers we have here).  You bring all of your aluminum cans crushed up or your glass bottles in big garbage bags and they are weighed, and you receive a per lb. price.
  • In other areas (like where my in-laws live back east and very few locations here in So Cal) there are machines that you deposit bottles and cans into one at a time and a per piece bottle deposit is returned to you. Re-Planet is one of those companies.
  • Some areas mandate recycling- Where we live there are special cans: Black for trash, green for yard waste, and blue for recycling.  The items that cannot be returned for a bottle deposit like milk cartons, soup cans, cereal boxes can be placed into the blue bin.
  • Recycling doesn’t only mean bottles and cans , it can also be to give an item a new life and a new home.  Donate clothes and other household items to charity or use freecycle and help your neighbors. I especially like the Buy Nothing Movement.
  • You can also sell items on Craigslist, have a garage sale or sell your items via a consignment shop.  They will go to a new home, you will have kept the stuff from a landfill, and you’ll have a little cash!
  • Did you know that in some states you can recycle your unwanted house paint? Check out PaintCare here for more details!

How do you incorporate the three R’s into your daily life?

When DIY meets frugality….

Abby H.

About 6 months ago, I scored 6 new pillows for less than $10 at Sears, using Sears Shop Your Way Rewards, coupons, and a BOGO sale.

When you get new pillows, you need new pillow covers. I headed over to our local AmVets Thrift Store when all of the linens were on sale and picked up 9 pillow covers for .25/each.  What I didn’t realize is that 3 of them were smaller than a standard pillow, and they didn’t fit. I set them aside, thinking I would find something else to do with them.

Fast forward to this morning. I am pulling the sheets, blankets and pillowcases off the bed, and I notice the pillow cases look gross. Like, we’ve had them since before we were married and they just don’t come clean anymore… That kind of gross. I’ve washed them with Oxyclean, borax, you name it, I’ve tried it to get them clean. Enough. I figure 8 years of rotation means they’ve served a good life.

I rifle through the linen closet to discover that about 90% of our pillow cases need to get pitched. Then, I discover the 3 small pillow covers, and I am struck with inspiration.

warposterSee, My motto for for remaining the frugal steward of our family is, “Use it up, wear it out, make do”. That means, basically: USE WHAT YOU HAVE.

I remembered that I also had a few yards of Eyelet lace in my sewing box. BUT, it’s offwhite. The pillow covers were white. But, wait… We have a box of awful tea in the cabinet. I mean it tastes like burnt rubber and camp fire smoke- blergh. But, it’s perfect for tea dying! Ever notice when you spill tea or coffee on your white clothes, it never comes all the way out? Imagine if you took light colored fabric and soaked it in boiling tea or coffee for about an hour and then washed it?  That’s tea dying.

I pull out the sewing machine and some supplies and set to work. I trim the zippers off the pillow covers, measure the lace, and sew it onto the open end of the pillow case. This serves a few purposes:

  1. Lengthens the pillow case about 31/2 inches. Now it will fit a standard pillow case
  2. Makes the pillow case look nice
  3. I am using up what we have in the house, and now I don’t have to go out and buy new pillow cases.

While I was in the closet with my fabric, I also found a piece of unbleached muslin that I cut into a pillow case. I had enough lace, so why not. If you’d like to make a pillow case, here is a pretty easy tutorial to follow.

I boiled my icky tea, wet the pillow cases, and tossed them into the stockpot. I covered the pot with a heavy plate to weight the fabric down so that it will take the dye evenly.

After about 30 minutes, I turned the stove off, and left the mixture until it cooled… Next, I rang out the pillow cases and tossed them into the washing machine to get out any extra tea (and the gross smell).  And now… Ta Da!  Three refurbished pillow cases and a brand new pillow case!

  • Total out of pocket: Zero Dollars
  • Time: about 2 hours (most of it was waiting for the dye pot to cool)

Now if you want to make your own pillow cases, the tutorial I linked to above is pretty easy to follow, and it’s a great way to use up scraps of cotton fabric that you may have hanging around the house.  Since pillow cases and fitted sheets tend to wear out first, you could also cut up orphaned flat sheets too.