frugal life

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

Abby H.

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

Check out the following sites:

One of my favorite websites to help me plan out shopping trips is Hot Coupon World. They have a Coupon Insert Schedule here. 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!

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

$0.75 off ONE carton Annie's™ Organic Soup
$1.50 off ONE (1) Saffron Road Frozen Entree
$2.00 off any ONE package of HUGGIES Wipes
$2.00 off ONE package of HUGGIES Diaper Pants
$2.00 off ONE HUGGIES LITTLE MOVERS Diapers
$1.00 off (4) JELL-O Gelatin, Pudding or No Bake
$1.00 off any ONE (1) CAPRI SUN Juice Drink
$1.00 off Any ONE (1) MAXWELL HOUSE Coffee
$0.50 off 1 ZonePerfect Bar
$5.00 off any (2) Similac large sized powders

New Year’s Resolution #8: Learn Something New

Abby H.3 Comments

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#8 is a resolution that I thought would be closer to the top of the list: Learn something new!

There are lots of ways that you can learn and grow without breaking the bank!

      1. Borrow books from the library- most libraries have their card catalogs online, so you can check and see if your local library branch has the book(s) you are looking for before you step foot in the library.  AND- some libraries have the ability to hold the books for you until you can get down there (usually 24 hours).
      2. Can’t find the books in print near you? Check out Google Books.  There are tons of free books that you can read online.If you head over to Amazon you’ll find thousands of Free E-books on Amazon in all reader formats.
      3. Check out community learning opportunities. Grossmont Adult Education has tons of great classes, including some great Mommy and Me style pre-school classes for kids!
      4. Check YouTube for tutorials or seminars that are of interest to you.
      5. Harvard (yeah, *THAT HARVARD*) has free, no credit open courses here. Other Colleges including MIT, Yale and Stanford offer free online no credit classes for the public to take/sit in on.
      6. Check your local museums for free days for locals.  San Diego Locals- here is a list of free museum days in Balboa Park.
      7. Craftsy has a ton of free classes and patterns! Check out this post with just a few of my favorite classes!
      8. There are tons of free opportunities for kids to learn here. Most public libraries have story time or other free activities and workshops for kids. Check out Red Tricycle’s website for all kinds of free and cheap learning opportunities for your littles!
      9. Love documentaries? Love to read? If you haven’t tried Amazon Prime yet, there is an awesome promotion right now- sign up and get your first 30 days free. Prime gives you access to more than JUST free shipping. You can stream movies, documentaries, enjoy the free Kindle lending library, and more! Start Your Prime Video 30-Day Free Trial Now!

Tax Time Approaches! Time for Turbo Tax!

Abby H.

Our family has used TurboTax since my parents first bought a computer, so… it’s been more than a few years. I’ve been using it since I started my first job in 1997.

It’s super easy, guides you through each step of the way. With TurboTax you’ll get your biggest tax refund guaranteed, with 100% accurate calculations, free help, and step by step guidance so you are confident your taxes are done right. TurboTax is the #1 Rated, Best-Selling tax software brand year after year.

Now if you’ve never done your own taxes before, it can seem super daunting.  But the folks at TurboTax make it easy enough that my three year-old niece could probably figure it out!

Yahoo put together a list of some of the forms and misc. “stuff” you need to file your taxes. Here are just a few:

  1. W-2 statements (these show wages received from your employer(s))
  2. K-1 Schedules (these should have been received from any partnerships, S Corporations, estates, trusts, and so on, in which you have an ownership interest)
  3. 1099 Forms (1099-R (Retirement); 1099-INT (Interest); 1099-DIV (Dividends); 1099-B (Brokerage Sales); 1099-MISC (Rents, etc))
  4. 1098 Forms (1098-T (Education); 1098 – Mortgage Interest)
  5. Year End Annual Brokerage Statements
  6. A copy of your previous year’s tax return

You may not have all of these, as not everyone has the same financial/tax situation.

Regardless of how you decide to file: e-file, by hand (on paper), or having a paid professional do it, I implore you- FILE FILE FILE!!  You don’t want Uncle Sam knocking on your door, years from now with his hand out!

To get started with TurboTax for free, click on the image above! In a few weeks I’ll share one of my favorite stories about how Turbo Tax saved a friends bacon a few years ago!

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: