School is Back in Session- Time to Start Saving!

Bus2I don’t know about you, but when I’ve got both kids home all the time, it’s a lot harder to keep on my frugal goals.

I’m all about taking advantage of local free and cheap fun (like events at our local library or community center, local parks and splash pads), but for some reason summer vacation always distracts me from frugality. Maybe is the 100+ degree temps we’ve been having most of the summer.

Well, we are into our second week of school and I’ve re-committed to my frugal lifestyle for my family.  Here are just a few things I’ve done over the past two weeks:

  • Meal Plan using what’s on hand in out cupboard before heading the the store. I’ve also planned out school lunches too!
  • Committed to taking drinks with us when we leave the house.  This doesn’t sound like a lot, but when it’s over 100 degrees in the shade, we go through a lot of water on our daily adventures. Check out the cool growler I got on Amazon. It’s supposed to be for beer, but I fill it with ice cubes and water each day and it comes with me in the car- it’s an easy way to get your 8 glasses in! I also take iced coffee with me in the morning to school drop off.
  • Set a schedule for Bitty Bird and I.  Again, a schedule doesn’t sound like a way to save money, but now I know what we are doing each day after Big Boy is at school. I have time each day while she is napping to write, research, and do Amazon Reviews.
  • Plan out shopping trips a little better.  Now that I don’t have two extra sets of hands helping me shop (especially a 5 year old who is constantly near death starvation when in proximity to a grocery store), I can look at ads, check my smartphone apps for rebates and deals. I also have more time to print coupons! This really saves me money (and time).

Now that school has started, I’d love to hear how you’ve recommitted to your goals (whatever they might be).

 

My hustle: How I make Part Time Income as a SAHM!

When I started this blog, it was to get back to my roots- Helping people save and earn money. As a result, I don’t make a lot of money from this blog. So, I needed to bump up my side hustles to make the part-time income that I’d grown accustomed to. I thought I’d share my best hustles with you.

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If you are unfamiliar with the term hustle, Urban dictionary defines it as, “Anythin you need to do to make money… be it sellin cars…… If you makin money, you hustlin.”

I have two littles to take care of, so keep that in mind. If you don’t have kids, you might be able to spend more time doing each of these activities, which in turn could yield more money!

Surveys online. Here are two fer shure, legit companies that I use. Pinecone Research (they are always looking for 12-24 or Hispanic demographics) pays $3.00 paypal per survey! My other favorite is PaidViewPoint– They only send you surveys that you qualify for, so there is no wasted time. Payout is only $15.00, so I make payout about once a month. It’s not tons of work, and every little bit helps! What I like about these companies is that they only send you surveys that you are qualified for. No time wasted to find out a quota is full or that you don’t fit their criteria. 

Some survey companies also do paid trials: They send you a product, you use it then complete a survey and give your opinions on the product. And you get paid! So it’s a win win. You get a free product, and you get paid!

Secret shopping. There are tons of apps and websites that will help you find secret shopping gigs. I recommend checking out Volition.com for a listing of secret shopping companies (and reviews). A few of my friends recommend jobslinger.com as a great resource. I earn about $75.00/week doing secret shopping and that’s for less than 1 hours work! Some companies don’t need you to buy anything, just go in an evaluate customer service, or audit shelves to make sure items are in stock. Oh, and I can take Bitty Bird along with me!

Turn your Junk Mail into Cash! I’ve been doing this for YEARS, and I love it. You can learn all about Small Business Knowledge Center here.  I just got another $20 Visa GC in the mail yesterday! My forth this year! We get tons of junk mail right now because we refinanced our mortgage not long ago.

Focus Groups. I wrote about them here. They are not a constant source of money, but I do one about once a month or so, and they tend to pay $75 or more for just a few hours of your time. It’s a fun way to share your opinion with companies and earn some great money.

And of course, I use cashback apps. My full list of favs can be found here. No lie, I cash out about $50.00 a month between all of the apps downloaded onto my iPhone!

Then there are of course the old stand-bys to make money:

  • Garage sale (seriously, everyone has too much stuff),
  • Utilizing Resale Shops (Kids clothes, ladies clothes, sporting goods, etc.)
  • Recycling bottles and cans,
  • Driving for Uber or Lyft,
  • Babysitting or pet sitting
  • Selling your plasma. In San Diego, Scantibody Labs is the main company that does this.  There are some pretty strict rules about this so if you have a lot of tattoos or piercings you may not qualify. I have super tiny veins, so I am unable to do it.
  • Selling your stuff on Craigslist, or apps like Close5 or OfferUp.
  • Tutoring kids or offering lessons in an area that you excel in (musical instruments, art, sewing, math, cooking, etc.)
  • Finding items at thrift shops or garage sales and re-selling them on eBay or other sites for a profit.

A lot of these can be done from the comfort of your home, or can be done in conjunction with your normal errands, so there is no extra money spent on gas.

What is your hustle? How do you make extra money?

Frugal Recipe: Bachelor Mousse

This is a family fav, and it’s super easy to make. So easy, in fact, even kids can help with this recipe!
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It’s only three easy to get ingredients!

  • 1 Large Box Pudding (any flavor and brand, but I prefer Jello Brand Chocolate or Chocolate Fudge)
  • 1 1/2 cups cold dairy milk (use of soy or non-dairy milk means the pudding won’t set)
  • 1 large tub of whipped topping (aka cool whip)

Directions:

  1. In a large mixing bowl, mix milk and pudding until thick, about 2 minutes.
  2. Spoon whipped topping into pudding mixture, and fold together gently until combined.
  3. Pour mixture into container with lid. Chill in fridge for 2-3 hours before serving.

This is great poured into a graham cracker curst, or served with fresh fruit! This serves about 6-8 dessert sized portions, and you can make this entire dessert for less than $5!

This is def. a kid-approved dessert. Both of our kids devour this stuff!!

 

Extreme Couponing Tips for everyday shoppers!

DSCN1032[1]So if you know me in real life, you know that I LOATHE that TLC show. It’s crazy, and most most reality shows, it bears little semblance to reality. So I was stoked when it was cancelled! But like most things in life, it lives on in re-run and of course, on the internet!

What I don’t like about that show is that most of the stores show double coupons, when in real life (esp. in CA), there are very few stores that do.

That being said, I wanted to share some tips with you that will help you get the most bang for your shopping buck.  You *could* call them, my Extreme couponing tips. I can’t promise that you’ll walk away with 115 mustards or 7,000 toothbrushes gratis, but you might have a little more than you have before.

  1. Shop at a store that allows overage (click on that link for more info about how to use overage and what it is). In my area, the only store that allows overage is Wal-mart.
  2. Sale Price+ Coupon=rock bottom price.  About 99% of the time, during the dates a coupon is valid, the item will be on sale. Wait until the item is on sale, then use your coupon.  You’ll be saving a lot  more.
  3. Buy Multiples: It’s great that you are able to combine the sale price with a coupon, but the real ticket to savings is buying more than 1 of the same item.  That means you’ll need multiple coupons. You can either purchase multiple Sunday papers or do what I do: trade coupons with friends and family. A lot of people don’t understand buying more than 1 items on sale with a coupon.  If the item is something you use frequently (for example, salsa) and you are able to get 5 jars for .50/jar, and they are usually $2.50/jar, why wouldn’t you buy 5 for the price of 1?  Just keep the rest in the cupboard, and use them as needed.  If you were to only buy one, use it then head back to the store, you’d be paying full price.
  4. Get a grocery store Club Card for each supermarket you shop, and pick up a CVS Extra Care Card. The cards entitle you to discounts on merchandise or an accumulation or points or special rewards for buying specific merchandise. Club cards are also referred to as a loyalty card, a rewards card, a points card, or an advantage card. Most stores have a Club Card, check with your local supermarket. These cards are free to apply for and use.  Club Cards typically have a barcode or magnetic stripe (like a credit card) that can be easily scanned. Cards are issued after you fill out the application. Many times the card is linked to your phone number. If you forget you card at home, give the cashier you phone number, and you are still entitled to the same discounts and card advantages as if you had presented your card.
  5. Build up a stockpile of items you use frequently: The sales cycle for most items is 3-4 months. If you are able to buy the items that your household uses the most on sale with coupons, you should buy enough to get you through until the next sale.  That means never having to pay full price again. I recommend doing an inventory of your stockpile and keeping a checklist inside your pantry door.
  6. Be Organized!  I don’t throw away my coupon inserts after I clip what I want.  I keep them in a plastic file box, organized by week.  If an item goes on sale and there is a corresponding coupon, I can quickly find my coupons and clip. 
  7. Buy the smallest/cheapest sized item allowed with the coupon. It can result in overage. Here is a great example: A few years ago, Lisa over at Drugstore Divas clued us in on a John Freida hairspray deal and I was able to pick up some free groceries, including fruit and veggies with the overage I received.
  8. Use your Google-fu! Find out what is free or better than free (aka a Money maker) by googling “what is free at (insert name of store) (current Month and year)”. Paul over at I Heart The Mart has an awesome list of items at Walmart for $1 or less. Many other websites/blogs do as well.
  9. Use a Coupon Database to locate coupons in inserts when you see a deal online that mentions a coupon, but not which date or which insert the coupon comes from.  I like Couponmom’s Coupon Database– it’s separated by state!
  10. Once you are ready to go, be organized. I make my list by store, by aisle. ut your coupons in order. Attach them to your list, and print a fresh copy of the store’s coupon policy too. When I arrive at the store, I go up and down every aisle. I am always keeping my eyes peeled for unadvertised sales, mark downs, tear pad coupons, blinkie coupon machines. If nothing else, it’s good exercise pushing a shopping cart around!
  11. My personal favorite method to save money is to take your shopping list to the 99-Cent or $1.00 store and see what you can score for less.  99 Cents Only does not accept coupons, but Dollar Tree does. You’d be surprised what you can buy for only 99 cents or $1.00! I buy Lil’ Man’s name brand Soy Milk by the Case at 99 Cents Only and I save $2.00 per QUART over shopping at Ralphs. That’s a total savings of $20.00 a week, or $1040 per year!
  12. Don’t be frazzled! It’s ok. Stuff happens, coupons don’t scan, you get a surly cashier. If the coupon won’t go through, don’t be afraid to have the cashier take the item(s) off your order. Don’t be afraid to speak up and ask for a manager.
  13. Don’t forget sales tax!! In CA, you have to pay sales tax on taxable items, even if they are free after coupon. It’s lame, but true.

What are your Ultimate tricks and tips for “extreme” savings?

Couponing Myths: Debunked!

In the spirit of helping others learn to coupon, I’ve been posting some Couponing 101 post over the past week or so. Today I want to continue by debunking some myths surrounding coupons and couponing!

Myth #1: There are never any coupons for fresh fruits, veggies, or food for my special diet!!! Au contraire!

You just have to know where to look!   There are lots of printable coupons for these items.

And don’t forget your couponing and rebate apps! Check out a list of my favs here. Did you know that Sprouts has an app too? They have all kinds of coupons for dollars and cents off stuff you actually buy.

Myth #2: It takes too much time to coupon!  By the time I clip all the coupons and visit all of the stores with deals, I will have wasted all of my savings on gas!

I would like to kick TLC in the Butt for “that show”.  It portrays all couponers as crazy people with oodles of time on their hands who just clip and file in their binders.   When I go to shop, I check the deal sites (I like Grocerysmarts.com, I can make lists, print coupon, and check sales at all of the stores in our area all in one website!), make my list, grab the coupons I need, put the coupons and list in a separate zip lock bag for each store.

I bring a pen, calculator, my small coupon wallet (it lives in my purse all of the time!), my pad of paper with all my deals, lists, and scenarios on it and I am ready to go.  It takes me less than an hour to prep for a shopping trip.

I visit one grocery store.  That’s it.  Sometimes, I’ll go to a drugstore, but only if the deals are sooo good and are free or have a very low OOP. I don’t roll rewards or go to more than one store each week. I don’t have the time.

Screen Shot 2016-06-21 at 4.16.08 PMAt my coupon classes the bottom line I teach is: Couponing can take as much or as little time you want to put into it.  My blog and classes try to make it as easy for you as possible.  I want you to have the tools to make saving your family money easy.

I don’t clip every coupon every week.  I don’t have a binder. Here are pics of my coupon wallet!
It’s served me well over the past 9 years. The tabs are in order of the store I frequent, and I stick my sticky backed coupons to the inside front flap. I bought it at Walmart for $1.97.

Myth #3You don’t really save money with coupons!

My grocery bill has gone down from $200/week to $75/week thanks to coupons and strategic shopping! Once I started using coupons in conjunction with store sales and eating food that was in season, we have saved $6500 in a year. We eat better food than we did before!

 

Myth #4: Store brands are cheaper.

Here is a recent sale that I took advantage of- this demonstrates that with a good sale and a coupon, you can purchase name brand items for less than the generic price.

*Store brand High Protein Cereal/Granola (Generic Kashi) $2.99

*Kashi $3.49

-Coupon for Kashi $1.50 (from Vocal Point)

-Name brand price with coupon $1.99- With a coupon and a sale, I save $1.00 over the identical generic item!

Myth #5: Couponing is for poor people.  (this one really bugs me)

Recently, a study on coupon usage was conducted by the Neilson Company, and they discovered that people making $100,000 or more were 25% more likely to use coupons than those making $25,000 or less. It also profiled the average coupon clipper as being a woman earning $50,000 a year. And really, how do you think rich people get rich?  By saving their money!

Myth #6: A cashier told me when I use coupons, I am stealing money from stores!

That is a LIE. It’s not even a myth, it’s a lie. Grab a coupon and look at it. Screen Shot 2016-06-21 at 4.23.38 PMSee where it says Retailer in bold? Next to it the coupon reads: “Abbott Nutrition will reimburse you for the face value of this coupon plus 8 cents handling when submitted in compliance…..”.  The bold is my emphasis.

So as you can see, the store will be reimbursed for the face value of the manufacturer coupon, plus 8 cents PER COUPON. All coupons have similar language.  The industry standard handling is 8 cents per coupon.

Imagine how many coupon your average grocery store accepts in one day.

Also, when a store puts items on sale during the time a coupon is valid, the store expect you to fill your cart with other stuff that’s on sale.

When you buy an item that is on sale and use a coupon, you are not stealing, you are being a strategic shopper. Sales and coupons are tools to help you stretch your budget further.

Stores also regularly have items that are low priced to get you in the door, so you will.. that’s right, fill your cart with non-sale, non-coupon items. Those items are called Loss leaders.

Coupon Lingo!

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Just like any other hobby or subculture, couponing has it’s own lingo. You’ll often run across it reading blogs or talking to fellow couponers. Here is a list with the most commonly used lingo:

Actual – Physical items you hold in your hand meaning a box of pasta rather than a pasta coupon. Used often in trading coupons.

BLINKIES – These are found in stores in a dispenser machine. Most often the box will have a red blinking light on it.

BOGO (or B1G1)- Buy one get one free.

Catalina – Coupons that come from a machine at the cash register. Named after the manufacturer of the machine that spits out the coupons.

CRT – Cash register tape.(this is a pretty dated/old school term for a receipt)

Double Coupon – Means the value of the coupon is doubled at the register. In San Diego, Only Kiehl’s doubles coupons.

ECB – Extra Care Bucks. A form of rebate from CVS. ECB’s are a CVS exclusive.

FREE ITEM COUPON -You get a free product at the store at no cost or just tax.

HBA – The health and beauty aid section.(shampoo, conditioner, body wash, styling products, etc.)

IP – Internet printable coupon.

INSERT- The packages of coupons that come in the Sunday paper.

MANU or MANNY – Short for Manufacturer Coupon. A coupon issued from the manufacturer. Manufacturer Coupons are about 90% of the coupons in the Sunday papers.

MIR – Mail In Rebate – you have to mail it to a clearinghouse to redeem. Learn more about rebates here.

MM- Money Maker- Any deal where you come out ahead or the store pays you to leave the store with items. These deals are pretty rare these days.

NON-INSERT- A coupon that does not come from the coupon packages (called inserts) in the newspaper. Non-insert coupons come from inside or outside packages, home mailers, Smartsource blinkie machines, magazines, tear pads.

OOP – Out of Pocket – money paid after coupons.

OYNO – On your next order – a lot of Catalinas fall under this, meaning you need to make an additional purchase to redeem.

P&G – Proctor & Gamble Sunday insert coupons.

PEELIE – coupon’s found on products that are sticky unless removed carefully.

POP – Proof of purchase found on actual item, usually a UPC/barcode.

RP – Red Plum Sunday Insert Coupons. In San Diego, these coupon inserts come in the Monday junk mail.

SASE – Self Addressed Stamped Envelope some freebies or rebates require them.

SS – Smart Source or Sunday Insert coupons.

STORE COUPON- A coupon good at a specific store (Target, Albertsons, Vons, CVS, and Walgreens all have store coupons).

TEAR PAD – A pad of refund forms or coupons found hanging from a store shelf or display.

TMF – Try Me Free – rebates for the full price of the item when it first is new to the market.

WINE TAG – coupons found on the necks of wine bottles. In CA, these coupons require the purchase of at least bottle of wine to redeem the deal.

WYB – When You Buy – additional purchase is required to redeem.

Schoola: Shop Sundresses and Take 50% Off Your Next Order

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Schoola is hooking us up! Starting today, Buy a Sundress and Get Half Off Your Next Order!

Purchase a sundress between 6/6 and 6/12 and receive a 50% off code via email on 6/13! Oh, and it gets better with FREE SHIPPING!*

To get started, click here. New to Schoola- that’s cool too. Sign up here and score $20 in new to you clothes for you, or your kiddos! Schoola helps schools fundraise by selling gently worn clothes. You can learn about their mission here.

New Month, New Coupons!

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!

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


$1.50 off (2) JOHNSON'S and/or DESITIN products
$0.75 off any 1 NESTLE COFFEE-MATE Coffee Creamer
$1.00 off one True Lemon
$2.00 off one (1) Playtex Cup Product
$1.00 off ONE (1) 10 oz. Chobani Meze Dip

New Month, New Coupons!

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!

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

$1.00 off 3 LaCroix Curate
$2.00 off any one Balmex Diaper Rash Cream
$2.00 off any ONE package of HUGGIES Diapers

How do you get so much free stuff?

Screen Shot 2016-04-24 at 11.31.34 PMIf you’ve been around for a while, you may notice I post photos on Social media- a lot of it is stuff I’ve gotten for free.

If you’d like to fill your mail box with goodies, here are a few companies that have great, FREE programs where you can earn free stuff!

L’oreal USA: The makeup Giant wants women from across the United States 18+ to join and take surveys on products, daily skin care regimens, and test new products . When you take 5 surveys, you are eligible to receive a full sized L’oreal product (Of their choice)! They also do consumer product testing. They send you a product, you test it and complete a survey.

Vocal Point is a multi-faceted website. One of its greater aspects is that it’s connected to Proctor and Gamble (P&G), and they often times have new or improved products to test and share with consumers. The members of Vocal Point can opt in to receive these items, and them share their opinions with other members of the Vocal Point community.

The Good Housekeeping Beauty Lab: The Beauty Lab needs female testers age 35 and up to help in our evaluations of beauty products. Some evaluations may require testers to visit the Good Housekeeping Research Institute at 300 West 57th Street in Manhattan, but for other evaluations, products can be sent by mail. There is no cost and very little time involved, and participants may keep beauty product samples.” If you’re interested in participating, please contact ghribeauty@hearst.com or 212-649-2408.  I do 1-2

Bzzagent A WOM (word of mouth) website that helps spread the word on tons of great products. Sign up for campaigns when there are products that interest you, use them, and share your opinions (as well as coupons and samples!) with others in person or via the Internet. This sharing is called “buzz”, and the more you buzz and report your buzz, you earn Mypoints points, and chances for early invitations for more campaigns. I’ve been a Bzzagent for about four year, and I receive about eight campaigns per year.

Smiley360  is much like BzzAgent, in that it is also a WOM (Word of Mouth) website. Sign up for campaigns and you will receive samples to use, and coupons to share with friends. Report your sharing and earn points!
From their website, “Do you love to try new things? Haven’t you ever tried a new product and thought, “This would be so much better if…” Well, as a smiley360.com member, you can provide that kind of feedback directly to the source. Your opinion matters. And as a fringe benefit, you’ll earn status in the smiley360.com community, which has its own perks, rewards, and opportunities. It’s a win-win situation, really.”

Moms Meet- Read my post here.

Ralph’s Free Friday Download– Learn more here (one of their prior offerings that has info on the post about the program).

There are websites like MySavings that have a free sample section that is updated several times a day.

PinchMe offers free sample boxes once a Month- some months there are tons of samples, some months not so much, it just depends on your demographic and what they have.

Proctor and Gamble (P&G) offers samples once per quarter. Sign up here.