Showing posts with label Money Saving Tips. Show all posts
Showing posts with label Money Saving Tips. Show all posts

Friday, February 5, 2010

UPDATED : SAFEWAY & Fiber One DEAL &Give Away - ACT FAST


I have recently had the opportunity to try the new Fiber One yogurt thanks to Safeway through MyBlogSpark. My girlfriends and I are trying to get healthy and eat better and this came at the perfect time. It is DELISCIOUS. It has only 50 calories and 5 grams of fiber (20 percent of the Recommended Daily Value). Isn't that GREAT? Fiber One is available in a variety of flavors including, Strawberry, Peach, Vanilla and Key Lime Pie...YUMMO

Even better - there is a special going on. You have until Tuesday, February 9th to take advantage of the special Safeway (or Von's) deal where you can purchase two 4-packs of Fiber One yogurt for only $4.00....This is a STEAL - let me tell you.


So - You want to try this yourself?

Post a comment below and let me know which flavor you are most excited about - and you will be entered into a drawing to win a $50.00 gift card to Safeway (also good at Dominick's Tom Thumb, Randall's, Von's, and Genuardi's).


Please Note that the gift card, information, and giveaway have all been provided by Safeway and Fiber One through MyBlogSpark
.

So what are you waiting for?
Leave a comment now....

I will pick one lucky winner at random on February 9th.


SORRY SO LATE!!!!

WE HAVE OUR WINNER......
The winner is Angie Cruz....
Please send me an email with your address so that I may forward it to my contact at MyBlogSpark in order for them to send you your prize.
CONGRATULATIONS, and thank you for taking the time to play along.

Wednesday, March 11, 2009

Extreme cheapskates: Tightwads revel in frugality

Make your own detergent? Tightwads embrace frugality to new extremes in recession
  • Tuesday March 10, 2009, 4:46 pm EDT
  • SOURCE

NEW YORK (AP) -- Amy VanDeventer has always been a cheapskate. The recession is taking her to new extremes.

Before the economy tanked, she was still wearing maternity clothes from her last pregnancy, clipping coupons and using hand-me-downs to dress her daughters, ages 2 and 3. Now, she's salvaging bagel scraps left on their plates for pizza toppings and cutting lotion bottles in half so she can scrape out the last drops.

"I was already cheap," said VanDeventer, a 36-year-old mortgage loan underwriter from Broomfield, Colo. "Now I am neurotic about it."

If you thought those cheapskate friends and relatives couldn't pinch pennies any tighter, think again. The recession is making tightwads like VanDeventer cut back even more. They're going way beyond sharpening their coupon scissors, replacing already cheap store-brand fabric softener with vinegar and even making their own detergent. VanDeventer was drying her hair in front of a fan after her portable hair dryer broke -- until her friends bought her a new one.

The recession is radically changing behavior among many different types of people, from the Wall Street bankers who are now waltzing into Wal-Mart for the first time to buy their groceries to teens who are now thumbing through the piles of status jeans at secondhand shops to save money. And experts say that such behavior could linger long after the economy recovers.

What surprises frugality bloggers is that many cheapskates such as VanDeventer haven't lost their jobs and are not in danger of losing their homes. Many have stashed a good chunk of cash away. But the economic uncertainty is catapulting them to new levels of thriftiness.

"I do it out of fear because I would rather put that money in the bank or purchase something we really need," said VanDeventer, who now saves about 50 percent of her take-home pay, up from 25 percent before the recession began more than a year ago.

The trend is disturbing for merchants, who are already reeling from the sharp pullback by spenders. Such extreme miserly behavior could only worsen the decline in consumer spending.

"Frugal people are now looking at more ways not to spend money," said Lynnae McCoy, who runs a blog called beingfrugal.net, which attracts seasoned penny pinchers. In January, her site received 110,000 hits, up 30 percent from a year ago. What intrigued McCoy was the interest among frugal folks to save even more money by making their own detergent and other household goods.

Elizabeth Schomburg, a credit counselor from Roscoe, Ill., is now replacing store brand softener with vinegar in her laundry. The 31-year-old, who used to comb the 80 percent off sales racks, said she has stopped doing any "recreational buying."

"I am questioning every single purchase," she said.

She's also not stockpiling discounted groceries because she wants to limit how much money she puts out for each trip to the supermarket. That kind of behavior is showing up in fourth-quarter results at companies including foodmaker H.J. Heinz Co., whose sales suffered as consumers are cleaning out their cupboards before buying new items.

Jeff Yeager, author of The Ultimate Cheapskate's Roadmap to True Riches, sees a silver lining to the economic downturn.

"Whatever you do to simplify your life is a good thing," Yeager said. A self-proclaimed cheapskate, he has spent no more than $100 over the past five years on clothing for himself and won't throw anything out until it literally falls apart.

But he's found ways to cut back even more now, such as eating more lentils -- which are cheap and nutritious -- and biking more to save gasoline. His mantra for buying food? Buy not what you want, but what's affordable at the time.

Unlike many big spenders during the boom years, he says he and other cheapskates are "sleeping easy" these days.

They're also getting some respect from the spenders, who even just a few months ago mocked their thrifty ways.

"My friends used to laugh at me," said Jodi Furman, referring to her obsession with 70 percent off sales and her knack for saving money with coupons.

They're not laughing now. The mother of three from Lake Worth, Fla., parlayed her knowledge into a blog called neverpayretailagain.net last fall. The blog helps shoppers save money on fashionable clothing and healthy food.

"If you can't make more money, then you can spend less -- and that's the equivalent of making more money," Furman said.

While she doesn't scrape pizza crumbs or make her own detergent, Furman said she's "laser-focused" when it comes to saving on groceries. She's saving 60 percent to 70 percent off her grocery bills. On a recent trip to Winn-Dixie, she scooped up $63.50 worth of groceries for $16.45. She picked up a box of TLC Cereal bars, regularly priced at $3.99, for $1 -- it was on sale for $3 but she used a $2 coupon. She got a $3.99 package of Equal sweetener for free -- combining a coupon with the sale price.

Many people are embracing the new challenge of squeezing the most value out of every last penny. Who knew you could make household products such as detergent? McCoy says it's not hard: mix Borax with a half bar of soap, baking soda and its relative washing soda, which cuts grease and can be found in the laundry areas of many supermarkets.

"If you have vinegar, Dawn soap and baking soda, you can pretty much make any cleaning product," McCoy said.

Friday, March 6, 2009

Tips from Ava

Hello Ladies!
Sorry I am sooo late responding (partially because I didn't think I had much to contribute). Thank you Shannon, for starting this conversation.
Everyone has such wonderful ideas and I have learned so much from the responses. I am already using the spreadsheet - we have been wanting to create something like that for the longest time. I loved the crock pot recipes website (I just got my first crock pot a few weeks ago) and I am going to get a CVS card! Haven't had much luck with the coupons yet, but I am eager to learn.
The ways that we save are pretty simple and have probably already been mentioned, but here goes:
I read somewhere that in times like these, families tend to gain weight (which lends itself to obesity, high cholesterol and diabetes) because we cut back on those grocery items that cost the most but are also most beneficial to our health - fresh fruits and vegetables, whole wheat and grains, fish and poultry.
So, with the intent of infusing these staples into our diets consistently, I browse the circulars each week for what is on sale/where and that is where I shop for those items. Also, I have save $40-$50 per week by shopping at more than one store. Target is much cheaper than the grocery stores for a lot of items (especially condiments: jelly, miracle whip, salad dressing, etc). The best price for bananas, a bag of organic apples, RBST free milk and eggs is Trader Joes. Otherwise fresh fruits and veggies are almost always cheaper at a farmers market. This requires planning, when I plan our meals for the week and where I will shop it saves time and money. Whenever I can, I duplicate ingredients or plan for meals that will feed us for two days. It also lends itself to healthy meals with some variety. Because when I cook the same thing over and over, I find McDonalds and Del Taco wrappers in my husbands truck Confused smiley emoticon
Also, we only go out to eat when/where kids eat free or with some other type of coupon.
We shop for school supplies in July and August when they are half price at Target and Wal Mart.
I haven't graduated to aluminum containers yet (but plan to), in the meantime- we recycle our all of our juice and water bottles each month and usually come away with around $20.
Thanks so much for sharing such wonderful information~
God Bless!
Ava

Monday, March 2, 2009

Birthday Card Annoyance

So I have an annoyance with birthday cards.  Especially when it comes
to children, they are such a waste of money! So here are a couple of
my ideas for solutions:
1. Instead of buying a card, but a small inexpensive book (under $4)
and write a special note to the birthday kid on the front cover.
You're spending the money still, but at least it doesn't get thrown
away the next day and they can read the book over and over again?
2. You can order a dozen birthday cards from places like www.terrysvillage.com
or www.expressions.com and they usually cost around $5 for a dozen and
then save them and pull them out of your "extra cards" box whenever
you need a last minute card. I usually get the Suzie's Zoo ones
because they're cute and not so personal.
3. Skip the card all together and go to the office store and buy a
little box of tags. Tape the string under your bow on the package and
write a little note (ex: Happy Birthday Riley, Love Shane) and it
looks cute and it's sweet and simple!

Ok, there's my spheal about how much I hate birthday cards! Hope you
can use one of these ideas if you want!

- Shannon

----------------------------------------------------------------------

I also like to make my own. I do digital scrapbooking
and have TONS of graphics, so I either make my own...or Dylan and I
make the card as an art project - he LOVES to do that and then it is a
keepsake for the recipient as well.

Another thing we do is - Dylan LOVES his cards, he has to keep them all....so we use the cards later for art projects - cut them up and glue them to something. That's fun too.

Heather Stokes



Fun T-Shirt Design

Here's another money-saving idea...

I buy inexpensive solid-color t-shirts for my boys and then use puff paint
(buy it at Michael's) and stencils to put a picture of something on the
front. My two-year-old has a brontosaurus shirt that he loves, and my
four-year-old always wants to wear his frog shirt.

You can buy the t-shirts really cheap at places like T-Shirt Mart in La
Verne. I just bought several at the 99 Cents Store in Montclair (across
from the mall on Moreno), but they don't always have them.

First put a piece of cardboard inside the shirt. Then use the stencil to
draw the design with a pen, then go over it with puff paint. I have tons of
stencils in my scrapbooking stuff. You can also get clip art from the
internet, cut it out, and trace around it.

It's easy and fun--this even makes a fun craft project for a moms' group.
You can wash the t-shirts in the washing machine. The puff paint will
eventually start to come off but it takes a long time. Turn the t-shirts
inside out before washing to extend the life of the puff paint.

-Dana

Another Mom Chimes in with some great tips....

OK....I got back on the computer after about a week. I'm in a slightly different situation because of where I live, but we lived in suburbia for a decade, and I'm from Orange Co., so those roots are deep. We live on a ranch now, and that brings its own challenges. We have a large family garden. We have before and will this year, grown enough to can for the winter. Its kind of fun. Brandon really liked the blueberry peach jam I made one year. Look forward to it again this year....During the Depression, my Grandmother used to tell me about the Victory Gardens that Eleanor Roosevelt (sp?) promoted for families to help themselves. It was a hugh success, as everyone was living on government 'coupons' for sugar, gas, meat, (yes your meat from your butcher/market), etc. All those things that were in really short supply. And there was no money or work. The Great Dust Bowl was going on then, and farmers couldn't produce enought to live on themselves. Similar to the Central Valley in CA, which produces more that 50% of the entire nations produce. Its has had to cut production from 20-50% of its entire production. Things will be very scarce and expensive. The idea of a family compost pile and garden that someone brought up (I'm sorry I don't remember who, and it will take time to go thru the whole thing again!) is excellant. Your water bill will be higher, and I know Riverside just put in mandatory water rationing for western Riverside Co., and the drought may bring this situation on to most of So. Cal., so we'll see. We are on 2 wells, so we are ok....unless we have well problems.... Check out your local Farmers Markets also, esp. if produce shipped in becomes sparse. The farmers prices will go down with the economy, and you may be able to find things you won't be as able to at the big supermarkets. Plus a lot of this stuff will be shipped in from Mexico, and with the standards they have, and the current unrest they have there, this is personally very scary to me. Also stuff comes from So. America, where again the standards aren't anywhere what we just naturally expect from our government. If you have enough people close to you that have a garden, you can even pool ideas of what to grow and trade. We have a large flock of chickens, a dairy cow (and new calf), and neighbors who will exchange for pigs, goats or sheep. We have several acres planted in pasture for the spring, but contingent on rains. I have way to many horses, who are very expensive to keep, but half of them are rescues, and it they go to auction they will surely go to slaughter. Actually the cow was a rescue, and turned into a wonderful addition, considering the current economic situation. I watch this very carefully, because its even hit my husband's company. Her milk is wonderful (we were already very heavy milk drinkers), and her cheese and butter are as well. My grandmother told me that a lot of the city dwellers also had a few chickens and some raised rabbits (for meat) in their backyards to trade for stuff they couldn't get. I don't think you could get away with it today, but we'll see how bad things actually get. I shop in bulk at Sam's Club, and other places similar......because we live a ways out and running to the grocery store or Wal Greens is not the best option. But I save a lot of $. And shopping time. Get online and there are quite a few really good recipe sites. I cook according to whats in season or what was a good price. Plus I always have certain staples on hand. Rice, beans, flour, yeast, potatoes, onions. And lots of different canned things. I have a lot of good tried and true recipes that I'll get back online with and send. Right now I've got to get outside and plant and weed, and rake, and it goes on and on........

Friday, February 27, 2009

If your new to coupon clipping....

Thrifty Momma has a post titled "Coupon Basics for Newbies".
SEVERAL great tips for the beginning coupon clipper.

She also has a post called "Coupon Lingo" that I found quite helpful.

CVS Savings Tutorials

I found some tutorials for saving money at CVS over on a lovely blog I just discovered called Centsible Savings (cute name huh?)....

Check out the tutorials here....
Goodwill has children's clothes on sale about 6 times a year. all clothes (every piece, even warm expensive jackets) for just 99 cents! my two boys wear the nicest, name brand clothes like GAP and children's place and such because the quality is great! but i only pay 99 cents for them. then they get passed down to the little brother first and then to the cousins of friends. the sale goes on for a whole week and is a most goodwills! i hit about 4 stores when the sale is on and THRIVE on the sales i have made!
Then i come home and bleach the ones i can and use amonia and hot or warmest water with my tide to kill any an all "visitors" and dust smells.

Frugal Mimi
Here is a Blog I have started reading or looking into just recently as well....
Mom's trying to save money....just like us....may be worth a look to some.

Money Saving Mom - Her post yesterday is titled "100 ways to save $100.00 this year".

Here is her list of links to useful money saving resources....

My Contribution to the Mom Tips....

My Mom does one of these coupon savings sites and saves a TON. I believe it is called the Grocery Game. She pays a small monthly fee and the woman gives you all the specials going on in the store that week - she tells you what coupon coincides with those specials, etc. It takes a little time to figure out (I STILL don't quite get it) and takes some time to cut and save the weekend coupons, but A LOT of the stuff my Mom gets is absolutely FREE. She cuts a bill from over a hundred dollars down to like fifteen sometimes. It is crazy. Here is the website for anyone that is interested.....I think you can try it out for a month for a dollar.
http://www.thegrocerygame.com/

I also have a link of recipes I have been collecting to try here on my Kaboodle list....if anyone is interested or can't figure out how to view the recipes just let me know. :-D
http://www.kaboodle.com/grmnvixen/recipes.html

My Mom and I shop at thrift stores as well. I know some people look down on that - not me - I am ALL about saving money where I can and - hey - children are TOUGH on clothes - So I buy him jeans and t-shirts that he can wear to the sitter or preschool and be rough and tough - and for the price - who cares right? We also find A LOT of great books here - behavioral and developmental that have been in libraries, or classrooms. These are REALLY expensive online...so another great steal.

Another one is being CRAFTY and doing it yourself. I have YET to learn how to sew, but have been collecting craft tutorials and sewing patterns and have a link here if anyone is interested in that as well.
Crafts - http://www.kaboodle.com/grmnvixen/cool-crafts.html
Patterns - http://www.kaboodle.com/grmnvixen/cute-patterns.html

I can't wait to hear more GREAT money saving ideas....

Heather Stokes

Thursday, February 26, 2009

Money Saaving Tips from Mommy Savers


Money saving tips, ideas and resources for frugal Moms.

Another tip from Stephanie

You can save on meat at Fresh & Easy…..every night after 9:00 p.m. all meat packaged the day before (it is not stuff that expired the day before) is marked down 50%!!!!! I know it is kind of late to go shopping but you can save a bunch of money.

http://www.freshandeasy.com/



Stephanie Chimes in....

I am a bargain hunter at heart! I found a hotcouponworld.com last year Jan and its become a hobby since the day I learned about it. I hit the financial hardship right after I got married. I have 3 kids that like to eat for some reason!! LOL So getting married and now having to grocery shop for 5 people every week got really expensive and each trip was running around 250, ekk. We couldn’t afford it anymore. Through using coupons I have gotten my grocery bill down to 40 bucks a week.

The website lets you search by store to find sales and even provides coupon match up to sale items, making them even cheaper, but I think more than anything the key is to check ads, use coupons and stockpile.

I buy 6-7 coupon inserts a week. I cut, sort and staple like coupons before organizing them in my coupon folder. (I have a 2 wipe containers that I keep them filed in and the wipe containers have there own purse, and my coupons go everywhere with me) Granted I coupon at a high level and I think most family’s just shopping for them could do 2-3 inserts a week. I ALWAYS stock up when an item is on sale. The key is to never pay full price for items that you can get on sale!

A good site for the new couponer is “THE GROCERY GAME” it’s like 5 bucks a month, but you and a friend could split it and just use the same log in. The site lets you select specific stores and shows when an item is on sale, if there is a coupon for it and also color codes the items. Black items are on sale, but this is not the lowest sale price they offer. Green items are called stockpiling items. That means this is probably the lowest price you will see this item matched with a coupon. The perfect time to buy as many of the item as you think you will need before the next sale. You can also order coupons online if you want to buy more of that item. And green items are free. Who doesn’t want free stuff? It’s free after coupon of course!!!

People will laugh when they come to my house. I always have things on hand like, a mayo in the fridge and 2 in the pantry. (Any type of condiment/rice/bean/cracker, etc or toiletry I have at least 3 on hand, sometimes more? My mom will say why do you have so much. Because it was on sale, I paid 1.60 a piece, well most of us know a name brand mayo can cost upwards of 4-5 dollars. I bought 3 for the price of one. Do things go bad sometimes before I get a chance to use it? I guess this could be a problem but I always find a way to use something if it’s going bad. Example if my mayo was expiring next week, we will be having tuna sandwiches for lunch, making egg salad and potato salad. I will find a way to use it or give it away before I have to throw away money!!!

I also use my crock-pot a LOT. If I don’t plan then we eat out and we all know a family of 5 eating out now is a minimum of $40-50 and this is even take out sometimes!!! EKK

Also stocking up on meat in your freezer. I think this is a big one, because its one of the most expensive things in meals. Buy on sale. Example ground beef usually is on sale for 1.99 and a great sale is .99 I always stock up and have the butchers package them in sizes I would use. I have about 30lbs of ground beef in my freezer all in 1lb packages. (you can freeze meat for a year, says my dad, who use to be a butcher) Do I have a lot, yes, but when there are no good sales I don’t have to go out and pay 3.79 a lb.

People laugh at my addiction, but it works out better in the long run. When my son had to go to the emergency room last month and have CAT scan that was big unexpected expense. Since I have such a big stockpile at home I probably spent 20 bucks on groceries the whole month because we were low on funds and this was just stuff that you have to buy regularly like milk, veggies and fruit. Thank goodness I had a stockpile because didn’t have to touch savings to pay for the unexpected expense or charge my groceries on a Credit card!

My fav deal blogs:
http://www.dealseekingmom.com/

http://www.frugalinvirginia.com/search/label/Kroger

http://jane4girls800dollarannualbudget.blogspot.com/

http://www.iheartcvs.com/ ( get all my stuff from CVS for FREE, I am not lying, Stephanie Bonomo can attest to it!)

http://www.nickels-n-dimes.com/


And my number one Favorite!!!! It’s a group of moms who talk about deals and family. I really feel like we are big bunch of friends. Please join us.

http://community.babycenter.com/groups/a7465/coupon_deals_for_bargain_hunters?

I hope this helps someone!!!

Dana's Tips

Great ideas, ladies! This is a VERY important topic to discuss right now. In fact, my husband and I talk about the economy and strategize for our family almost daily now. We really believe that we are in an economic downturn that will equal or exceed the Great Depression. The indicators are all there. PLEASE get your families prepared financially. The prevailing wisdom used to be that families should have an emergency cash reserve of three months’ salary. Lately that recommendation has increased to one year’s salary. Sorry to be so scary, but I think it’s important.

Here’s my two cents, so to speak...

Health care: The biggest money-saver I’ve discovered lately is for health insurance. What you do is switch your health insurance to a cheaper plan with a high deductible (at least $3,000 or so) and then open a Healthcare Savings Account (HSA). You put money in the HSA and then use it to pay all out-of-pocket healthcare expenses—anything your health insurance doesn’t cover such as copays, immunizations, and even over-the-counter medicines at the drugstore. The cool part is that you don’t pay income taxes on any of the money you put into the HSA, so you basically get 30% off all your health care expenses (or whatever percentage your tax bracket is). I have an insurance agent that set all this up for me for free.

Tax deductions: Aside from your house or apartment, taxes are probably the biggest expense. Since tax time is coming up, be sure to take ALL of the deductions to which you are entitled. If you do your own taxes, don’t forget about some of these:
--deduct all DMV fees
--deduct property taxes and mortgage interest (if you own your house)
--deduct all contributions to your church or other nonprofits, including clothes donated to thrift stores
--deduct miles you drive for charitable purposes (14 cents per mile)
--deduct miles you drive for medical purposes (27 cents per mile)

My husband owns a business, so we are able to take tons of deductions that employed people can’t take. The benefits are absolutely amazing. For example, his company buys the pricey ink cartridges for my home photo printer because Mark uses it to print out things for work. If we take a weekend trip to San Diego, we stop by one of the stores that carries Mark’s products and chat with the owner for a bit—abracadabra, a deductible trip. However, the “security” of a reliable paycheck is also a big positive, so there are good and bad points to owning a business.

Drugs: Buy generic. As long as the active ingredient is the same, it’s the exact same medicine for less than half the cost. Costco generics are especially cheap. My husband takes a lot of Benadryl for his allergies, so I buy big bottles of generic Benadryl at Costco for about $3.50.

Retirement plans: Move your retirement plan (IRA or 401-K) investments into stable money-market type funds because the stock market is still going down and probably will continue to do so for a while. The news is full of government predictions that the recession will be over by the end of this year, but I don’t believe that one bit.

Groceries: Big Lots and the 99 Cents store are awesome! Vons and Ralphs are the only local grocery chains that double your coupons. Sprouts (in Claremont) has REALLY good deals on produce in their ads, but it’s not cheap for anything else. Costco is great for many things, but don’t assume that Costco has the best price just because it’s Costco. Know the prices of the products you buy. Also, I recently read that the biggest waste of money on groceries is when we don’t use something and let it spoil—especially true for produce. That’s a big argument for planning out the week’s meals in advance, which I’ve always intended to do but it’s never actually happened. Several others have already talked about Couponmom.com, but I want to put in my vote for it, too.

Other coupons: Someone mentioned this already, but I’ve found it very helpful to go to the websites of products I buy frequently and sign up for their email newsletters which often include coupons.

Clothes: Shop the end-of-season clearance sales. A few weeks ago, Kohl’s had racks and racks of clothes at 80% off. JC Penney’s had stuff 70% off. I get a big charge out of showing my husband what I bought and then asking him to guess how little I spent for it. I rarely buy clothes for my boys because my sister-in-law (who has a 6-year-old boy) hands down all her son’s clothes to me. See if you can make an arrangement like that with a friend or family member.

Books: I love books, but I rarely buy them new. There are tons of used book sales—each public library has one or two a year plus random other ones such as the Pilgrim Place Festival in November. Also, each county has a great system where you can request books from other libraries if your local library doesn’t have a certain book that you want to read. You just put the book on hold, the library that has it sends it over to your local library, and they let you know when you can come pick it up. To access the catalog for L.A. County, go to www.colapublib.org.

Activities for kids: Parks are tons of fun and free! I read about great idea. The mom put a map of her city on the wall and marked all the parks. Every week she took her kids to a different park. The kids got to rate the park on different things, and the mom kept track of the scores. They went back to the “favorite” parks on special days. This mom had older kids and did this during summer break, but it sounds fun. Do things close to home to save gas. Hiking in the mountains is a great family activity (but I don’t go without my husband for safety reasons).

There’s a Circuit City in Montclair and a Chick’s Sporting Goods in Upland that are going out of business and have everything discounted. Also, Second Story Books in the Claremont Village.

Keep a wish list of things you’d like to have but don’t really need. Then consult the list when people ask what you want for your birthday.

Keep the great tips coming! Also, let’s not forget to praise God for the blessings he gives each of us in the midst of these hard times and keep an eye out for others who could use some help.

Love,
Dana

Some tips from Katie

I saw an Oprah show with the Coupon Mom. She has some really wonderful ideas and when I watched her she got $127.00 worth of grocerys for just $37.00. Her website is couponmom.com. Not only does she give you wonderful tips on how to shop and save but also gives sites to get coupons. Oh and did you know that you can also download coupons right on to your club card? I didn't until I looked at her sight and she tells you how to do it. It's really neat.
Also Dave Ramsey is a christain financial debt advisor and I guess is a wonderful speaker. I have never been to one of his seminars but I hear they work wonders for getting debt free. My Father and Mother in law are getting ready to do the course so I will let you know what they think. My church is holding his class right now but it just didn't work with mine and my husbands schedules but we are going to try to get in the next one. So you might want to check with your church and see if they are planning a class or they might know where one is being held. Or you can go to daveramsey.com and buy the kit online.
Have a Wonderful Day,
Katie

Sheryl has some tips on coupons

I have been my coupons organized by categories: personal hygiene, household goods (inc paper products), dairy, pets, etc... I have them in envelopes and now graduated to an old wipes container. There is enough room in there to add a pen and a notepad.It closes to avoid the inevitable spill in the car when you hit the brakes and they fall off the seat! I proudly carry my wipes box everywhere. It is labeled mommy's coupons so the stores don't get the security to pat me down. I even keep some coupons in one envelope just for Kylie. Those are her coupons, she has her own list and finds certain items for me (that is her very important job!)
I have two pages on my shopping lists for depending on what I have spent. one list is stuff I have to get right now: tp, allergy meds, milk, dog food things like that. the second list is stuff I'd like to get now, but I can wait til next payday-mostly stock up stuff: a can of furniture polish because the one at home is very low, I am going to need conditioner soon, those frozen dinners are a bargain but I don't have a coupon.

Amanda chimes in with some witty responses....

Wow! These are all such great ideas! I shop at Children's Orchard almost exclusively for all of my son's clothes and I trade in the ones he has outgrown. They take toys and videos and furniture too! I picked up a double stroller for my in-laws for less than $60.00. I also get an email from them if they have specials like, all the clothes that you can stuff in bag for $5.00.
I also sell things on Ebay and Craigslist that I know I can get money for and don't want to donate. This is a tidy little way to make a profit. That way if I want to buy something, I usually carry a balance over from my Paypal account from things I have sold and I don't need to "spend" anything.
I use my Entertainment book like a bible. I also take advantage of the parks and recs in my town for classes and activities that are free or cheap. The public library has a ton of free things for kids on the weekend. I also get all my books and videos there.
And lastly. Pimp out those husbands! I do this routinely! If your sig other has a skill, or trade, see if you can barter that for something else. My husband helped Heather's husband with something (I cannot recall what now) and her husband came later and painted my whole house! What a savings that was!

Shannon had Great some tips of her own

The few things I do and have been doing for quite sometime now is seperating my shopping.
I go to Big Lots for all snacks and cereals. They are sooooooo much cheaper than even Target or Walmart. And they have a large selection. So I stock up there whenever I see good deals. But remember to check the expiration date, usually all snacks and such are still good for about 5 months. But I check dates for everything no matter where I go!
Target, is also my happy place. Whatever I can find there cheaper than the store I buy and finally I make my way to Vons, which I love. Thats my normal stuff like fruit and such.
So taking the time and planning your list and thinking ahead is always good. I have a pantry that I call "overflow" full of cereal stuff, snacks, juice etc..... when there are deals stock up!
Other than that, I just plan reg. everyday meals. The less fancy the meal is, the cheaper it is, so don't try to be Chef Ramsey and be Betty Crooker! Boring but budget friendly!
And as for utilities.... I looked up a while ago, on what draws the most energy....
the four main sources of power are....... Dryer (electric), freezer, dishwasher and flat screen TV's. So doing dishes and laundry after 7pm will cut down costs!
It really is scary right now for most and being cheap is a good thing! Good luck to all and always be thankful for what we still do have!
xoxo
Shawna

Great Tips from Sheryl

If you shop at Walgreens and do their rebates, get the refund on a gift card. They give you and extra 10% back on the card. You can even reuse the cards. While filing out the rebate form put the gift card number on the form. That way you only need to carry one around. If you send in the rebate and they send you a check, you loose 10%....

register online for diapers, formula etc for babies/toddlers. most companies will send you coupons (some start great and fade to ok, but they still save some cash). I know enfamil started with $10 off and went to $2 but it was something! some stores will not accept internet coupons-have them sent to your home via snail mail

some restaurants offer kids eat free. I know Chevy's offers it on tuesdays and in the paper last week there was a coupon for a meal $3.99 when purchased with one regular meal. Chick-fil-A has family night on tuesday. That means when you buy one meal, you get a childs for free. There is a secret too; if you keep your toy and trade it in unopened, they will give you a free ice cream.

Don't forget Children's Orchard clothing exchange. They send emails that when you bring in clothes, they will give you a percentage off your next purchase. I've been a few times, but not bought anything, so I don't really know what the discount is.

Check your long distance too. we never use our house phone for long distance. We have the minutes on our cell phones and it is actually free for us to call Texas and Boston.

get rid of your water bottles! they are not good for our planet or our wallets. We save $35 a month not getting our Arrowhead delivered. We don't buy plastic water bottles (except for the earthquake kit) we use refillable aluminum bottles (they are eco friendly). for great tasting water we get a filter for our fridge water approx $80 for 6-8 months.

watch for target offers. sometimes they offer a $5 gift card when you purchase certain items. Last time I got breakfast bars they offered $5 if you got 3. With the coupons for the 3 boxes, they paid me to take the bars!

we started composting our organic waste-it is good for my garden and good for the earth too-(kind of fun).-oh and plant a garden. nothing tastes better than fresh tomatoes!