Archive for the ‘Saving’ Category

ePantry: Free Mrs. Meyer’s Seasonal Scents Pack ($29 Value) + Free Shipping!

Tuesday, October 27th, 2015

Mrs. Meyer's Seasonal Bundle

I am such a BIG fan of ePantry and their green offerings for both home & beauty and I have talked about the value in it for keeping your home stocked especially in these busy seasons of life. Today I have a very special offer (valid for the next six days only!) to give to our MomAdvice readers that I am so excited to share with you!!

Through November 1st (9PM EST)  you can get a FREE Mrs. Meyer’s Seasonal Scents hand soap, dish soap, and multi-surface cleaner, plus a Full Circle renewable dish brush with any $20 minimum purchase! Not only that, but shipping will also be free.

This offer is valid for new ePantry customers only, however, existing customers can add a FREE Mrs. Meyer’s hand soap to your next order through this link.

There are three different delicious-smelling seasonal scents to choose from: Orange Clove, Iowa Pine, or Cranberry. You can grab your freebies all in one scent or mix & match to try all three scents!

Mrs. Meyer's Seasonal Scents

Cash In On This Exclusive Offer!

1. Sign-up HERE for Cranberry, HERE for Orange Clove, or HERE for Iowa Pine (you can mix & match once your get to your basket, too). Click on the “get started” button (new customers only).

2. You’ll be asked a few questions to personalize your account a little better. (This only takes about 30 seconds.)

3. After answering the questions, a customized dashboard will pop up with a set basket of suggested items for this deal. You’ll see the Mrs. Meyer’s Seasonal Scents and Dish Brush included. On the right, you will see the discounts for the freebies and free shipping.

What the basket will look like upon checkout

4. Modify your basket to your liking and preferences. Your minimum order amount just has to be $20 or more to get the bonus free products. You can choose any combination of seasonal scents for the freebies, too.

5. Shipping is free.

After the freebies, it’s like paying just $2.33 per item shipped! This is a such a great opportunity to save on festive cleaning products for your home during the holiday season!

Here is a breakdown of pricing:


Remember that this offer is valid only through November 1st (until 9PM EST)! Happy Holidays!

This post contains affiliate links! We only recommend what we love!

Tips for Successful Menu Planning

Tuesday, August 4th, 2015

Tips for Successful Menu Planning from

One of the most stressful parts about my job as a mom is creating menu plans to feed my family and accomplishing the weekly grocery shopping. Today I want to share with you some of my own tips for successful menu planning, but first I want to work on some honesty with you about my attitude towards food preparation in my house.

Is it okay to say that I have a terrible attitude about this?

I hope it is because something happened this summer that has helped transform my mindset a bit.

Tips for Successful Menu Planning from

This summer I wanted to create some great learning experiences for my kids and to teach them how lucky we are for all that we have. One of those experiences has been volunteering at our church’s food pantry where over 400 local families are served each month. I had not expected the enthusiasm that these two brought to the job, but these kids were so happy to do this that they begged to return the next week to help again.

I am not sure what it is like for you and your children, but I feel like we live in this protected bubble that I am constantly trying to push them out of… but not TOO far.  I’m pushing on those walls because there is such a big world out there full of people who need us and it’s important to see and address those needs when we can.  I thought it would be great for them to serve others and to understand how lucky we are.

As we pulled in the first day to volunteer there was a gathering of people waiting for the doors to open. At the time we had pulled in, there was TWO MORE HOURS until the food pantry doors were open to the public. When I asked about this, I was told that they arrive that early to be able to be the first to select the food. The food given would last a family of 4 a few days, an incredible offering when one needs  it, but it made me very ashamed about my attitudes towards feeding my family.

I can plan meals for my family and buy whatever we need for the week in one trip without any worries.

I complain when the grocery line is too long, but others wait for hours just in the hopes that they will have fresh produce.

I whine about how annoying it is to have to haul so many bags from my car and put them away.

Guess who had the transformation?

I know we can’t always go into that zen place of happiness when planning our meals, but I’m working on my attitude and I want to do what I can to simplify this process for our family. It’s a bit of a privilege to go into the store with a plan and come out with what we need, isn’t it?

Meal planning is necessary to stay on budget. In fact, as I have said in my book, I feel that this is one of the biggest places I feel families should analyze when living on a budget. This is a flexible area in our spending, but it takes a good plan to stay on budget.

Here are a few of my tips for successful menu plans:

Gluten-Free Orange Chicken

gluten-free orange chicken

Be Realistic About Your Meal Plans

The overachiever in me really believes that I will cook a great meal for my family every night. The reality is that many nights I am running kids to activities and I am not home (or too tired) to execute all those good intentions. What happens when you have a lot of intentions and not a lot of time?

Spoiled food and wasted money.

I shop for 5 meals for the week, giving us two nights for leftovers and reality.

Kind of the same thing- ha!

Take a serious look at your calendar and analyze what will be happening for the week so that you can create a menu plan that will serve your family well. Slow cooker dishes are arranged on busy days where I don’t have time for food preparation, Sunday suppers are leisurely meals with all the fixings doubled so we can enjoy the dish another night, and grocery days are often prep days for chopping and dicing for quick wraps & salads for nights I don’t have the time to cook.

Slow Cooker Carnitas

slow cooker carnitas

Try a Rotation Schedule

I am a lover of routines and that also comes to the food that we share around the table. In our house, we usually have one slow cooker dish, one pot of soup or a large salad (depending on the season), some type of taco night, one “fancy” dish for Sundays, a brunch dish (that later acts as breakfast on busy school mornings), and I try to implement one new recipe a week to keep things fresh. A rotation schedule creates a clear routine for a busy week and makes grocery shopping easier since you know what you typically need each week. 

Routines are my jam!

I try to make one dish that can easily be doubled or tripled since we have been working on weekly entertaining or to share with someone who might be having a hard week. This can also be a great time to feed the freezer for another week.

Gather Inspiration for Your Meals

It would be hard not to be inspired now that we have tools like Pinterest at our disposal. I think more than anything it is not to feel OVERWHELMED with all of the meal choices or choosing dishes that are far too ambitious for your time constraints. My best bet for busy weeknights are 30-minute recipes or 5-ingredient or less ideas and that is typically what I search for when hunting down new dishes to add to my menu. 

I subscribe to my favorite food blogs through Feedly and utilize their bookmarking tool to save the recipes I want to come back to. I also utilize a private Pinterest board just for my family to test out different recipes in our kitchen. Cookbooks are like old reliable friends that I know I can always count on for a recipe or two. Foodgawker is where I also favorite dishes that I want to try in our menus (you can see our own dishes that made the cut over here!)



Tips for Successful Menu Planning from

Use Your Smartphone to Make Smart Lists

What did I ever do without my smartphone? This little device has made creating and maintaining my grocery lists each week so much easier. I am a BIG fan of the Grocery iQ app (FREE!)  for creating my grocery list because you can reuse the same master list that you use over and over again (especially if you have a routine rotation of meals) and this app automatically organizes and finds any coupons that you might want to use for your purchases. 

With Grocery iQ you can type, speak, or scan grocery list items into your list. The list automatically adds your items into categories and then alerts you if coupons are available for any items you might be adding to your list. Coupons can then be sent to your email when your list has been made or (if you have a wireless enabled printer) can be sent to your printer for printing. As you gather your items from your list, simply check it off and the item moves to the bottom of the list. Once your whole list is complete, everything is shifted towards the bottom and then can simply be clicked to add those repeat items back on the list for your next visit.

Switching to an electronic list was much easier than I expected. It also keeps me off my phone while shopping so I can really concentrate which is half of the battle for me when it comes to menu planning.

Tips for Successful Menu Planning from

Journal the Family Favorites & Put Them In Your Plans

In our family, every person has a favorite dish or a favorite memory of a meal we have shared together. To make your week easier, creating a family journal or scrapbook where you have all your family favorites for weekly inspiration and rotate a family member’s favorite each week.

Tips for Successful Menu Planning from

We made a food journal and printed out our favorite recipes and why the kids loved these dishes. This can be a fun craft project to do together AND it is something you can pass on to them when they leave the nest (but that won’t be for a LONG time so I’m not worried). If you want to try making your own cookbook, you can see this tutorial we created for it!

One thing I don’t think very often about is that many of our favorite recipes are online. If the sites ever go down (which has been known to happen), we may no longer have access to our favorite dishes. I want a place where we can keep all these food memories so a family journal is a fun activity that you can enjoy for years to come.

Pick What’s Important & Make it Happen

I have many friends that deal chase for their menu plans, but I have never been much of a deal chaser.  As the extracurricular schedule grows and my work becomes more demanding, I have to make choices about what I realistically can and cannot do. It’s okay to not chase deals.

I do my menu planning first thing in the morning (eat the frog!!) and I go to grocery stores where deal chasing doesn’t need to happen. ALDI has (and always will be) my first destination for our family groceries and thanks to the Savings Catcher app, a scan of my receipt at the end of my shopping at Walmart means I can look forward to pocketing any savings if any store goes lower in prices without chasing deals anymore.

You may find shopping at night is better for you or you may get a thrill from a deal well chased. Pick what’s important to you and make it happen for your family, but do what fits best with your own lifestyle for menu planning success.

Do you have any strategies you can share for menu planning? Let us know in the comments below!






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DIY At-Home Hair Coloring Savings & Tips

Thursday, July 16th, 2015

DIY Hair Coloring Savings and Tips

I have been coloring my hair at home for years now, but only in the last few years has it started to become more necessary. I will peek at my hair in the mirror or my hair will catch the light in the sun and I see those wiry gray hairs coming through. Ah, the signs of old age are upon me.

Hair color in the box has come a long way, though, and I have been able to experiment with different brands and products that have come out when I have a coupon to go with them. I have found that I rarely have to pay for the regular price on my hair color.

How to Save on DIY Hair Color

1. Hair color is always on sale. If you look in CVS or the Walgreens flier, you will find that on almost any given week, they are running a special on hair color. Walgreens & CVS often will either give you a rebate on these products or some type of register reward. Wait for the sales on your favorite brands and try to stock up in conjunction with these.

2. Hair color coupons abound. Make sure to check your Sunday coupon inserts for coupons and cut these out to apply towards your purchase. If you can combine those coupons with a rebate/Extra Care Buck reward, you can often get your hair color for less than $5 a box.

3. Sign up for mailing lists. Sign up for the mailing lists for coupons and tips on coloring your hair. Clairol, for example, offers the Color Source Club where they send an email newsletter out with coupon savings towards your purchases and updates on their new products. By visiting the Garnier website, you will find they offer a newsletter with updates on free samples and special offers. Likewise, Revlon offers a website where you can sign up for a similar type of program and be notified of savings and samples.

4. Look inside & outside the box for savings. Often on the directions page, there is a coupon to take off money on your next purchase. Make sure to scan all over the outside and inside of the box for coupons and use these on your next color purchase.

5. Don’t forget savings in unlikely places. One week my hair color was not on sale and I was not stocked on any extra boxes. Our local Bed Bath & Beyond though recently added a beauty section that is fully stocked on all of my drugstore needs. I walked in with a manufacturer coupon and combined that with the 20% off a purchase coupon and was still able to score my favorite hair color for about $5.00. I don’t know if all of the stores offer this, but this is another option for coupon savings.

6. Check eBay for coupons. Coupons abound for the products that you use and it is a great resource for savings on the things you use most. When my children were babies, I often used eBay to get coupons for savings off our baby food. Now that they are getting older, I am now looking for hair color coupons. My, how the circle of life continues!

Hair Coloring Tips

Perfect-10 hair color

I recently happened upon a product though that has had me shouting it’s praises from the mountain tops and I doubt I will use anything else since I have become so spoiled. It is the Clairol Perfect 10 Hair Color.

I had a coupon for this product and since I have used it, I can never picture using anything else ever again. There are two reasons why I love it.

  1. The applicator makes it a lot less messy. I am one of those people that is a constant disaster and I can’t tell you how many things I have ruined while trying to get hair color on my head. It almost became a joke because every time I would color my hair, we would have to buy a new shower curtain because I had slopped color on it.
  2. It is done in ten minutes. That is it. By the time I get it on, it is time to rinse it off. It colors my hair that quickly.

It is not the most frugal choice always, but regularly priced at $12.99, it is still a huge cost-savings over the $50-100 charge that is being charged at most salons. And if you can apply the cost-savings above, you can still get this hair color for the $5-8 price.

Too scared to color your hair at home?

Don’t be! It is really hard to fail at at-home hair coloring unless you are trying to color your hair drastically. If the look is drastic, go to the salon and have them do it, but for just covering a few grays, it can be easy to do at home.

color oops hair colo

But what if you fail or you get a bad color job at the salon? 

I have found the best product for you for that too! I once had a botched color job at the salon and I was desperate to tone down my bright hair. I found this great product that you can buy at Walgreens called Color Oops. Within five to ten minutes of putting this on your hair, it will tone down your color. If you leave it on too long though, it will strip your hair down to your baby hair. I would be very careful using a product like this, but desperate times sometimes call for desperate measures and this will work in a pinch.

Your best bet if you get a botched job at the salon? Going back to the salon and asking them to put a little toner on it. They should do this for free for you and guarantee their color services so make sure you ask this before getting your hair done somewhere how long their color-guarantee is.

After Coloring Tips

Don’t forget that no matter where you choose to color you hair, that the most important thing to do to maintain it is to use color-safe shampoos afterward.

The same tips for savings on hair color apply to those hair color shampoos too. It has been a long time since I have paid full price for any hair care items by taking advantage of coupons and savings at the drugstore.

If you are looking for an affordable brand option, Suave corners the market on inexpensive hair products. They have an arsenal of hair products that won’t put a dent in your wallet. For example, Nexxus shampoo costs more than $8 for 14.5 ounces. Suave makes a knock off of this same shampoo for $1.92-2.49 for 14.5 ounces. Combine that with a coupon, and you have practically free shampoo that will keep your hair looking great!

I hope these at-home hair color tips will help keep your lovely locks looking great for a lot less!

Do you color your hair at home? What products do you love? How do you maximize your color savings?

(Photo Source: Compact Collection)

Related Links:

Overcoming My Fears: Cutting Hair

Open Your Own Beauty Shop


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How to Shop Secondhand for Your Fashion Capsule Wardrobe

Monday, March 23rd, 2015


Last week I was so excited to show off my Spring capsule wardrobe with you all. I got some questions and emails regarding the capsule wardrobe and one thing people wanted to know the most is how I was able to pull of my wardrobe secondhand. Today I wanted to share how I did manage to keep my capsule wardrobe 90% secondhand and how you can do the same with your wardrobe.

I have always loved to shop secondhand for clothing and the fun of that just has never ended for me. There is such a thrill in the hunt for the perfect item. When I was a girl we would visit a store in my great-grandma’s town that had barrels of clothing to dig through. I remember my mom shuddering and me clapping my hands with glee. I loved to hunt and who knew what treasure you could find at the bottom of a barrel? It could be something really exquisite and rare like J. CREW or BANANA REPUBLIC or ESPRIT or UNITED COLORS OF BENETTON. RARE, RARE, RARE. For a girl who couldn’t afford to upgrade her wardrobe, this possibility thrilled me.

When I was young though I was simply attracted to brand names that I could not afford and deals…oh, THE DEALS. What I ended up with were loads of items that didn’t look good, that didn’t work together, and things I didn’t REALLY love. If only you could have seen the label on the inside though…you might have been impressed.  As an adult, I have learned to be patient, to choose wisely, and to try to be flexible when piecing together a secondhand wardrobe.

The capsule wardrobe requires a well-edited closet, selecting pieces that work together and that can be worn many different ways to maximize your choices. You might think secondhand couldn’t work, but I will share my secret with you…consignment shopping online has transformed the impossible and multiple trips to shops into the possible.

Spring Wardrobe Classics

(source Kendi Everyday)

Start With a Really Good List

The capsule wardrobe relies a lot on wardrobe staples and I had none of these when I started.  Even though secondhand shopping is more affordable than purchasing the items retail, you still must keep your budget in mind. Make a list of items that are important to you to own this year and consider dividing your list into the different capsules. For me, items like a good pair of jeans, a crisp white collared shirt, a black skirt, a black pair of jeans, a jean shirt, and a good blazer were all wardrobe essentials. Consider this list and this list (pictured above) as a good starting point for building your wardrobe.

Build In a Few Trendy Pieces

Once you have covered the basics, you can start jotting down a few of your favorite trends this season that you would like to incorporate. I love this list of Spring trends that include adding a bit of floral, the mixing and matching of bright & bold, a nod to denim, a fresh summer scarf, and the addition of a good clutch.  Obviously, only embrace the trends that really work for you and for your lifestyle, otherwise, it ends up being a pointless task in incorporating these items if you will never wear them.

Always consider the trendy colors of the year to as a way to add a little bit of color to your capsule, while keeping it timeless with still embracing the basics.

Shop Around

There are lots of great online consignment shops out there, you just have to find the right one for you. I have had the best luck on Twice and on thredUP (both of those are affiliate links and will give you $10 towards your first purchase). Here is a list of all of the shops that I have found to do some online consignment shopping.  I have found that a lot of my happiness with a site and what they offer really relies upon their search tool since I like to shop with my list and not blindly hunt for items.

I would say after trying several different companies out for online consignment, my happiness has really been with Twice the most. I like that I have 30 days to try things on and make sure I really love it. I appreciate the convenience of being able to ship my returns without getting charged for shipping or restocking fees.  I feel like I have been able to make smarter decisions and am not keeping items just because I don’t want the expense or hassle of returning them.

Of course, consignment shopping can happen locally too and many consignment shops are on Facebook, sharing and posting some of the best offerings they have in their store. Consider following the shops you love and keeping your eyes peeled for smart purchases for your capsule.

How to Shop Secondhand for Your Fashion Capsule Wardrobe

(source Twice)

Start Shopping With Your List

Once you have a list of items that you really want, shopping for consignment online is a breeze. I begin typing in descriptions of the items I am after and let the hunting for them begin.

Start with your basics and type in the key phrases of what you are looking for.

“Black Skirt”

“Black Pants”

“Shirt Dress”


Type in the patterns of fabric you are looking for- stripes, gingham, checks, herringbone, floral, chambray…. the possibilities are endless.

How to Shop Secondhand for Your Fashion Capsule Wardrobe

Be a Brand Snob- You Can Afford To

I have become quite the brand snob with my clothing and the reason is simply because I am buying my clothes at a fraction of the cost that I used to. I don’t want to spend the money on a pair of socks from some of the brands that I have been shopping at in their stores, but I can have a whole outfit when I purchase it on consignment…and not feel one bit guilty.

I try not to be too trendy in my capsule wardrobe and so I look to brands that I know will wash well, will have longevity, and  won’t fall apart on me.

Sell It Back

Since you are keeping a well-edited closet with your fashion capsule, you will know right away what hasn’t gotten worn and won’t carry over to the next wardrobe. Consider making some money or credit for the clothes and sell them back to the retailers you purchased them from.  I have this handy resource list on how to make money organizing that closet.

How to Shop Secondhand for Your Fashion Capsule Wardrobe

(source thredUP)

Add In Your Accessories & Shoes Secondhand Too

Not only is buying secondhand great for your wardrobe, but it can be great for shoes, purses, scarves, and belts to compliment your items.  If there is a trend like, “emerald green,” or “floral print,” consider adding these into your wardrobe with accessories instead of with your wardrobe basics. A quick browse on thredUP yields a million floral scarves and at a much better price than the retail stores. These smaller items are a great way to add something trendy without deciding which trends you think will actually stick in your capsule wardrobe.

How to Shop Secondhand for Your Fashion Capsule Wardrobe

Last spring’s buttery Italian suede smoking slippers from J. Crew were available on Twice when I was putting together my capsule. Would I have spent $200 on these for myself? No way!  I can afford a little luxury when they are priced at $60, use my referral credit, and pay a mere $5. YES! This is a luxury that this cheap lady can indulge in. They are beautiful and worth all five dollars and MORE!

The same principle can be applied to that beautiful handbag you have been dreaming of.

This has always been my secret to good shopping…

You can have the beautiful things you always wanted with a little patience- someone is always editing their items and the chances are good that ONE THING you have been dreaming of will be yours one day.   

I waited a whole year for these shoes and it was worth the wait.

What are your tricks for shopping secondhand for your clothing? Feel free to leave them below!


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33 Copy-Cat Starbucks Drinks

Tuesday, February 24th, 2015

It’s no secret around here that I love a good coffee drink and you all know I love a good way to save – especially when it’s easy. Making your own versions of coffee shop drinks gives a particularly good return since most DIY drink recipes take only a few minutes to make and are only a fraction of the cost of buying. And the no-guilt feeling while you’re enjoying your beverage? That’s right – priceless.

33 Copy-Cat Starbucks Drinks

So I’ve rounded up some of the best copy-cat Starbucks drinks recipes for you from our own Mom Advice archives and other fabulous blogs so you can save some of your hard-earned money and enjoy a coffee (or non-coffee!) break at the same time. Here are 33 copy-cat Starbucks drinks categorized into four sections for your convenience – Hot Coffee Drinks, Hot Non-Coffee Drinks, Iced Coffee Drinks, and Iced Non-Coffee Drinks (as always, please pin individual pictures from the original source):

Copy-Cat Starbucks Hot Coffee Drinks


photo: Salted Caramel Mocha Latte @ Mom Advice

Gingerbread Latte @ Mom Advice

Peppermint Mocha @ Mom Advice

Pumpkin Spice Latte @ Mom Advice

Caramel Macchiato Starbucks Copycat @ Babble

Caramel Brûlée Latte @ Brewed Daily

Cinnamon Dolce Latte @ Farm Girl Gourmet

Starbucks Eggnog Latte @ Copykat

White Chocolate Mocha @ Kitchen Concoctions


Copy-Cat Starbucks Hot Non-Coffee Drinks

homemade-chai-tea-latte via Live Simply

photo: Chai Tea Latte @ Live Simply

Starbucks Caramel Apple Spice @ Cincy Shopper

Chocolate Chai Tea Latte @ A Lazy Girl

Quick & Easy Starbucks Hot Chocolate @ My Frugal Adventures

Salted Caramel Hot Chocolate @ Bright Green Door

Copy-Cat Starbucks Iced Coffee Drinks

salted caramel mocha frapp via Girl Cooks World

photo: Salted Caramel Mocha Frappuccino @ Girl Cooks World

Iced Peppermint Mochas @ Mom Advice

Mocha Frappuccino @ Around My Family Table

Healthy Starbucks Mocha Frappuccino @ The Lemon Bowl

Iced Cinnamon Dolce Latte @ Simplee Thrifty

Iced Caramel Macchiato @ Milo and Me

Mocha Cookie Frozen Coffee @ Bubbly Nature Creations

Light Frappuccino @

Iced Caramel Snickers Frappuccino @ Savvy Saving Couple

Coconut Mocha Frappe Cappuccino @


Copy-Cat Starbucks Iced Non-Coffee Drinks

Vanilla-Bean-Frappe via The Black Peppercorn

photo: Vanilla Bean Frappe @ The Black Peppercorn

Strawberries & Creme Frappuccino @ Blommi

Green Tea Frappuccino @ Raining Hot Coupons

Iced Chai Latte @ The Grant Life

Very Berry Hibiscus Tea Refresher @ Hip2Save

Green Tea Lemonade @ Momtastic

Passion Tea Lemonade @ The Pin Junkie

Chai Tea Frappuccino @ Flour On My Face

Cool Lime Copycat @ Just A Pinch Of Ginger

What is your favorite coffee shop drink?

Reader Transformation: Shanna’s No Spend Challenge

Monday, February 23rd, 2015

Note from Amy- I am SO thrilled to be featuring one of my amazing friends today as we continue our m challenge towards saving money. Our family tries to take on a yearly challenge to dedicate one month towards not spending any money.  No spend challenges are something that I find help me to regain focus and discipline towards saving. They also highlight some of my terrible habits that I have towards spending money unnecessarily. I had the incredible honor of following Shanna through social media as she challenged herself to not spend money for one month. I asked if she would let me share her journey because I found her story so incredibly inspiring. Are you giving up anything for Lent? Perhaps this story of transformation will help inspire you and consider the savings a gift to those in need or to help your family save more this year. I hope you enjoy Shanna’s transformation as much as I have! 


It’s always been important to me to do what I love. The problem is that goods and services cannot be bought with emotional contentment – you have to use money.

I’ve never been good with money, but I’m not irresponsible either. In fact, I’m quite frugal by most standards, but I don’t earn much money. With my master’s degree in contemporary dance, I’ve danced and taught classes for a small company and taught dance at a community college. I’ve held many other jobs as well; all low paying. For years I’ve pieced together a living by holding more than one job at a time. I currently work full-time for a non-profit, teach yoga twice a week and I have several regular massage clients.

But life is expensive, especially if you don’t live near your loved ones. Clothing and food also cost money. Despite being generally frugal, my deficits accumulated. After ten years of working hard and not earning much, I had gotten into some bad habits and some bad debt. My journey to dig myself out was an eye-opening experience.

In January 2014, I made some pretty lofty personal finance goals for the New Year. First, I wanted a new job that paid at least $10,000 more per year. Second, I wanted pay off my $10,000 in credit card debt (although at the time I didn’t know how I would do it). Third, I would sign up for a fitness challenge at my gym, take first place, and win the fancy $75-a-month executive membership I could not afford.

I would win 2014! I would be confident, fit, and debt free by 2015!

So it began. My husband Matt got me a new interview suit at an after Christmas sale, and then I signed up for the two-month fitness challenge at my gym, planned a strict diet, and revised my resume. I had a determined mind and a hopeful heart.

By mid-February, that vigor and determination became… well… less vigorous. I was becoming increasingly frustrated because I wasn’t finding anything but parallel moves in my job search. The lack of job prospects was crushing my spirit as well as my motivation. I felt like I wasn’t making any progress towards my prosperous new year.

I began looking for some positive reinforcement, so I decided to commit to a 30-day meditation program being offered by my friend and fellow yoga teacher Erin Menut. Every day during those 30 days I would receive an email and an audio recording from Erin. I would read along and listen to the affirmations and reflections.

On day six the affirmation was: “I am here. I have arrived.” Erin talked about being present by acknowledging the present situation rather than ignoring how things are and looking toward brighter times. She told a story about her friend with credit card debt and called it “an extreme example of this.” Her friend was struggling with credit card debt and when Erin asked if she had a good repayment plan in place, she said “I don’t even know how much I owe. I don’t like to look at all of that stuff because I am afraid to find out how bad it is.”

Yikes! Erin and I never talked about my financial issues, but she might as well have been quoting ME! I too had never sat down with all my credit card bills to really look at the interest rates and fees and come up with a consistent plan to pay them down. I had been simply ignoring all that stuff and hoping for a brighter future. Not only did her friend say exactly what I would have, Erin also called her friend, and by proxy called me, an extreme example! In her reflections on her indebted friend, Erin went on to talk about what it means to be brave—the ability to face and conquer our fears so that they no longer control us. I needed to be brave – I had to figure out how I would tackle my financial mess.

On one of the days that followed day six, I was standing in Mountain pose repeating the affirmation “I am here. I have arrived.”, when I suddenly realized that part of the reason I was feeling so helpless was because I never actually asked for help. After that realization, it didn’t take me long to contact a credit counselor. I made an appointment and, to my absolute terror, would face my fears by sitting down and looking at my financial mess. I would go over a budget with my counselor. I would put a repayment plan in place. I would force myself to take control.

The appointment came, and my terror was realized. I remember the gulp of emotion that swelled up in my throat when we added everything up. My credit card debt wasn’t $10,000, it was $13,860.84! Through heaving sobs, I asked the counselor if I could call her back, and hung up with her. How could I let this happen? How did I continue to allow myself to spend? After I wiped the hot angry tears from my face, I felt my mind beginning to clear. Sure, I was angry and embarrassed, but knowing the number actually relieved my fears. It wasn’t a million dollars. It certainly wasn’t zero dollars, but it wasn’t insurmountable. In being known, the number lost its terror.

$13,860.84 was surmountable, if I could only figure out a way to surmount it.

Then I remembered Amy Clark. I read Amy Clark’s blog post about her no-spend challenge a few years prior. I decided to go back and read her post again. She and her husband and two children (one in diapers) budgeted $250 for groceries (including diapers), and declared that there would be no other spending outside of gas and utility bills for an entire month. I did a quick calculation of my prior month of spending. HOLY CRAP! I spent $300 alone at the grocery store! Yep, alone… that doesn’t include what my husband spent—AND we don’t have little mouths to feed or butts to diaper! It took me until April to get my mind set, but on May 1, inspired by Amy, I committed to a no-spend challenge of my own. I would pay my bills as usual and give myself $150.00 to spend on gas and groceries through May 31.


Coincidentally, I actually got to see Amy in April when she was in Salt Lake City attending a crafting conference. We were able to steal a little time together. I told her that I was planning on doing the challenge and she was more than encouraging.

On May 1, the no-spend challenge began. I found myself posting on social media about my progress and experience, which forced me to be accountable.


This photo is from day one. I’m very happy that I live only two miles from work. During my no-spend challenge, I rode my bike to work every day. I spent no money on parking and no money on gas.


Day two, and the no-spend challenge was already inspiring me to learn new skills! Before the challenge, I would have just walked my bike two blocks over to the bike shop and had someone else change my tire for $10. There was no way I was going to cheat on day two! So, with a little help from Matt over the phone, I was able to change my own tire. He was beaming with pride.


During the no-spend challenge I was constantly reminded that there were plenty of ways to entertain myself for free. On day eight, I remembered how to use the public library.


The challenge also inspired me to get creative with spend-free gifting. This is Anna. I like to call her my gluten-free girlfriend. Day sixteen of no spending was also her last day as my co-worker. Just because I couldn’t spend, didn’t mean I couldn’t give her a great parting gift. I made her Super Power flaxseed bread entirely out of ingredients I already had in my pantry. A plain lunch sack and reused ribbon made for quite a lovely gift wrap. (If I do say so myself.)




In case anyone was wondering, I didn’t win first place in that fitness challenge… I came in second, and won a six-month executive membership! I had FREE access to this gym including laundry service during the entire no-spend challenge. What a luxury!


Committing to the no-spend challenge not only opened my eyes to all free resources I had access to, now my perspective was beginning to change. I noticed my thoughts moving away from scarcity towards gratitude.

This photo was taken in City Creek Canyon on day twenty during a seven-mile run. I remember feeling overwhelmed with joy and gratitude for all this beauty and fresh mountain air that I get to enjoy near my own back yard.


“Cleanliness is next to godliness.” My thoughts were also moving away from I can’t afford…, to I can afford…

I can always afford a clean home. This photo was taken on day 21. I spent hours cleaning the apartment and I was pretty proud of the results. Just look at those shiny wood floors!


Remember all that money I was spending at the grocery store before? During the no-spend challenge that wasn’t much of an issue. I stuck to the budget of $37.50 a week on groceries (including wine). I rationed. I clipped coupons. I dug deep in to the pantry to use what I already had. Instead of spending so much money at the grocery store, I was spending quality time with good friends. This photo was taken on day 23 when my sweet friend Amelia made me this beautiful and delicious vegetarian dinner. We ate it on her porch where we spent the rest of the evening sipping wine and dreaming out loud.


Throughout the month, in addition to dinner invites, I was also receiving gifts from many of my friends who found out I was doing the no-spend challenge. Chocolate bars, flowers, garden veggies, and more! Jenita, my best lady from Cleveland wanted to send me a bottle of wine. She knows me well and probably figured that I would run out of that first. However, she found out that sending alcohol to Utah is a felony. (Ridiculous) So instead of wine, she paid for a Gallup strengths finder test and emailed a link. The test was intended to help me understand how to use my strengths at work and find out what kind of environment and team I need to succeed. Jenita is a good listener.


I had a special moment on day 28. Here the photo caption reads “Studio time! In the home stretch and finding more and more gratitude for what I already have. I get to spend time alone in this beautiful space before class on Mondays & Wednesdays. This morning at Avenues Yoga was particularly uplifting – doors open, birds singing, clear mind, not a want in the world.”

This was day 28 and I wasn’t even thinking about what I would be spending my money on after the next three days. On that morning, in that solitude, I was complete. I felt like I could go on forever without a spending fix.


Here it is, the moment of truth. On June 1, I sat down and added it all up. I saved $702.90 during the 31 day no-spend challenge! My husband and I used $400 of that to buy plane tickets to Chicago for our one-year anniversary trip, and I threw the remaining $302.00 at my credit card debt. In September, we stayed on the lake where we got married a year prior and spent quality time with my side of the family. While $400 only covered the cost of one ticket, we didn’t have to use a credit card to cover the rest.

I haven’t used a credit card since before the challenge. I believe the no-spend challenge actually cured me of my debting and credit card use. Now, if I have a big expense coming up, I save my money and plan for the expense instead of automatically pulling out my credit card. That’s huge for me, because I feel more in control of my own finances. In October, I took another 31-day no-spend challenge and used the money I saved to buy plane tickets back to Indiana for Christmas.

It’s been a year now and I only used that interview suit twice. I didn’t get a new job, and I’m certainly not debt-free. I didn’t succeed in meeting those lofty goals, but I think I still won in 2014. Some financial success did come my way. I received a nice bonus a work back in July, and got some new Thai Yoga Massage clients and gigs throughout the year. Most importantly, I learned a few things. I learned that I can’t run from my fears and expect anything to change. I learned that in order to be able to take control, I have to be brave enough to bring my full attention to the present situation. Presently, I am healthy and I am loved. I know that I still have a lot of work to do, but I’m here in the present, and I’m resolving my financial problems.


Goodbye, Old Friend: Asking Jealousy to Leave

Tuesday, February 17th, 2015

Asking Jealousy to Leave

Editor’s Note- I wanted to bring this article back for our money management focus in our m challenge. This article truly illustrates my own struggle with jealousy and wanting to keep up with others. Yup, I’m human. I struggle too and I really struggled a lot after my husband lost his job in those lean and difficult years.  What I am learning though is that there is so much peace in knowing that we are finally going to be closing in on some major financial goals and that all of these sacrifices that we make and the planning we are doing is going to be oh-so-worth it.  Wherever you are right now, don’t give up. xo 

I pull into the parking lot and park my beat-up car between a Hummer & a Mercedes. I let out a sigh and turn behind me to find him sitting in the backseat between my two children. “You can leave now. You aren’t wanted here,” I say. He looks back at me, absently, dismissing my request with a blank smile.

We all head into the store and I push my cart through the aisles, walking by other people who have filled their carts to the brim. They are buying all the things that I want to put in my cart, but I stick to the basics and whisper, “Please leave!” as we head to the checkout aisle.

As we load up the car and pull into our house I think of all the unfinished projects, the longing for more space, the dreams for something newer and better…and he sits down to join me for my afternoon coffee.

“Don’t you have somewhere better to go? Why don’t you go to someone else’s house?”

He just offers me a green-eyed smile and hangs out in my kitchen for the rest of the day.

I hate him and I hate myself for having him over. He is the guest that will not leave and I am ashamed that we have this kind of relationship.

Yes, I am referring to jealousy and how it can take up occupancy in my heart. To say that these moments of discontent have not graced my life would be a lie. I feel the same urges to shop and the same urges to keep up just like everyone else. I can honestly say that the green-eyed monster has enjoyed more than one afternoon sitting at my kitchen table.

The question is how do you overcome your jealousy issues and lead a simple life? It is easy to tell people to not be jealous, but we live in a culture where bigger is better and there is a constant need to compete with our neighbors. While I am as guilty as the next person of feeling like this, I want to share some of the ways that I have found to ask the green-eyed monster to go and to help me work on finding that inner peace with what I have.


Caring for the Things in Your Life

When I think about adding possessions to my life, I have started thinking about what is going to be required of me to care for and maintain them. In the example of buying a bigger home, for example, I think of how much more space I would have to clean. Seeing as I have difficulty maintaining and keeping up with the things that we already have, I realize that adding a new house to our life would actually make things much more difficult for me financially and the added space would not be as rewarding as what I already possess.

When I feel the urge to shop, out of boredom or out of competition with others, I try to think of things that I already have and how I can take care of them. My house is an endless supply of odd jobs and cleaning or organizing projects. Making a list of these things, I can try to focus my energy towards these things instead of the negative energy that I am feeling when I am focusing on what I don’t have.

Likewise, organizing what you already have can shed light on your shopping habits and how much you have already bought. So many times our homes are brimming over with duplicate items simply from lack of organization.

I also find that when my house is tidy and organized, that I feel more satisfaction in what I have. The sense of order, in a house that is usually chaotic, can be a much more satisfying feeling then buying and trying to find a place for another bag of stuff.

Creating Traditions

Our children may also have trouble with jealousy and that is why we have tried to take the focus off of buying things for our kids and instead focus on the traditions that we can create for them as a family. Instead of loading them up with toys and the latest gadgets, we come up with ideas that we can do with our kids to show them how important family is.

We create traditions that do not cost a lot of money like having a pizza night, making crafts together, having a special date night with one parent, reading stories together, making special holiday traditions, and just being together as a family. The things I remember from my own childhood include the special traditions from my family and I have few memories about what they bought me. These are the kinds of things that I want my children to be focused upon and less on all of the toys that could fill their room.

choose- gratitude

Remember How Much You DO Have

Gratitude goes a long way in helping bring perspective to all you do have.  I have found the quickest way to gain perspective on all that I do have is to give my time and talent to others. There is nothing more gratifying than knowing that you have enough and you even have enough to share with others. Consider investing in a gratitude journal (I love this one from Money Saving Mom)  to begin documenting all that you already have in your life.  Beginning your morning with a new ritual of devotion and thankfulness is a great way to kick jealousy to the curb and start your day out on the right foot.

I also have many goals for myself and for what I am doing with my life, which take up a lot of my time. Instead of looking at what everyone else is buying, I am trying really hard to focus on building my business and creating goals for what I can be doing in the future. I find the work that I do to be rewarding and it helps me to stop thinking about possessions and to think more about being a success in what I do.

However you cope with jealousy, do not be afraid to ask him to leave. It is your home and your heart- not his. You are the only one who has the power to ask him to go and to fill that empty space with positive substitutes. Do your best to refocus your energy towards caring for what you own, creating traditions for your family, and learning to live a life full of gratitude and positive goals. Before you know it, you are going to be the envy of others around you!

Do you struggle with jealousy? How do you ask jealousy to leave your heart?

Make Money Organizing Your Closet

Tuesday, November 25th, 2014

Make Money Organizing Your Closet

I have never had a truly clean and organized closet until I started my fashion capsule project. Had I known that I could have been making considerable cash this whole time, I might have taken the endeavor a bit more seriously. Today I want to share with you some resources I have discovered for making money while cleaning out your closet. Not only do you have the power to make some serious cash, but you also have the opportunity to transform lives by paying it forward to charities in need.

First things first, let’s talk about my purse clean out that netted me $80! 

Make Money Organizing Your Closet

Start With Your Purses- I Made a Ton

I have a terrible habit of switching my purses and never taking time to clean them out. Not only did I find a lot of great lipsticks to wear, but I also discovered that I had a lot of credit card gift cards with small denominator amounts on them that I didn’t know what to do with. Do you know that you can transfer all of these tiny gift card amounts to an Amazon gift card with no minimum balance? I headed over to this page where you can quickly reload your balance with NO MINIMUM amount. After kicking myself for all of the cards that had been sitting there expiring, I was happy to see that I now had $80 of credit that I can use towards my shopping.

Sell The Things You Aren’t Wearing

It has been brought to my attention since minimizing my wardrobe how little I really do need and how little I really do wear. If your items are brand name and in gently used condition consider selling them to make some extra cash or to put towards wardrobe items you really would love and wear.

Here are a few resources you can check. I know there are more, but these are the ones that I am most familiar with: 


Twice- This has been my #1 resource for pulling together my capsule wardrobe, but it is also my #1 resource for selling my gently used items. Twice will send you a selling kit within 4-6 days of your request that includes a bag and prepaid postage sticker for your items. If you are really excited to just get started though, you can grab a box from your recycling and fill it up with a label you print from your computer. Once you send in your first shipment they will give you $10 of credit towards a purchase so you can buy something you really love. Here is a list of the brands that they accept. Once they make an offer you can decide if you want to accept it or not.  If you don’t like the price, you pay $4.95 for return shipping. In contrast, thredUP charges $12.00 to return your items.

Keep in mind that this is not a consignment shop so they pay you once the item is accepted. No need to wait for your items to sell.


Threadflip- Threadflip is a new discovery for me and I am so excited about using this for my next capsule wardrobe. Threadflip is more of an online consignment shop for your clothing so that means you get paid when your item has been sold and shipped. That being said, they charge a mere 20% commission on your items so that you can pocket 80% of the profit. 

Much like Twice, they will send you an envelope with a prepaid shipping label for your items. Once you send it to them, they will list it for you by their team of professionals, saving you the hassle of trying to photograph and style your item. There is also the option to list the items yourself if you don’t want to send the items in. For me, the profit is the same so I would much rather have their team list it for me, but that one is totally up to you.


Poshmark- Poshmark & Threadflip are very similar in nature and the site is one of my new favorite places to browse for items for my capsule.  It is an app available for iPad and iPhone that allows you to shop, sell, and engage with virtual closets full of pre-worn or new pieces on one simple platform.

You list the items yourself- some take their own pictures while others utilize the photos from the website of where they purchased the item. They also charge a 20% commision fee on your items allowing you to pocket 80% of your profit. 

I will say from a user perspective, despite adding my sizing and storing it, I find the site a bit like going to a high-end garage sale. You have to really scan through all of the listings and even when sizing is set, it still pulls items that are not in my size or unrelated to my searches. Since users set their own pricing, you can find some steals though and I still love the thrill of a good hunt so I am sure thrifty shoppers will be ready to embrace your gently loved clothing.


thredUPAll of my friends have been raving about thredUP and after joining to try it for this article, I can see what the fuss is about. Not only can you clean out your closet to make money, but you can also make money on your kid’s stuff and maternity items too! As with some of the other places I have listed, you can order a bag with a prepaid shipping label to start your closet clean out. Their fashion resale professionals review your clothing and then pay up to 80% of the resale value. You can earn thredUP shopping credit, or simply cash out with PayPal. Items that they don’t accept go to charitable partners or textile recycling companies. They can also be mailed back to you as part of their Return Assurance program for a $12.99 shipping fee. Be sure to check their quality standards before sending. Here is $10 of credit to spend on your first purchase. 

eBay- eBay has been around forever and is actually featured a lot in my It’s the 3 Little Things because I find some really killer deals on there as a buyer.  Although I have never personally sold items on eBay, I have had many friends who have with great success. There is a seller fee that you can read more about the eBay seller fees here. The nice thing is that you can sell items individually or you can sell them as a lot grouping instead.

Make Money Organizing Your Closet

Give Away The Rest

If you don’t love it, you aren’t wearing it, and you can’t sell it…share it with someone in need. There are so many fantastic charities to give to and if the items aren’t the wildly popular name brands or you just don’t want to hassle with the sale, consider paying it forward and giving your items to a worthwhile cause.

Here are a few options to consider:

Women’s Shelters- By far my favorite place to donate is to our local women’s shelters. This link helps you browse your state and find a shelter closest to you to give.

Dress For Success- Help someone look and feel their best for their job interviews. Their greatest need is larger size suits and apparel, but any business attire will do! Check here for locations.

Pick Up Please- The Vietnam Veterans of America is a respected charity that gives aid to all of America’s veterans, not just those of a particular age group or war. By donating used clothes, shoes, appliances, and other household items, you help generate funds to take care of the soldiers and service men and women who help keep America safe from harm. See if your state participates by visiting here.

Churches- Growing up our church had a room where guests or members could shop. Check with your church to see if they offer this or if they are partnered with any shelters in town where they could recommend sharing your donation.

Goodwill- Goodwill provides employment and job training to those in need of job assistance. Donations couldn’t be easier thanks to the drop-off boxes. Check here for locations.

Once you have your closet cleaned out, let’s get it organized!

Try a Capsule Wardrobe (here are my Fall & Winter capsules) to Minimize- Read more about what I have learned from minimizing my closet.

Tips & Tools for Organizing Your Closet

Have you made money selling items in your closet? Leave your experience here with the different services and be sure to share any resources that I might have missed!

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Do You Really Need That Degree? College Loans, Options, and Savings

Monday, October 27th, 2014

From our money & finance contributor, Kelly Whalen.

College debt has reached an all-time high in the United States. Collectively, we owe over a trillion dollars in student loan debt. Yes, trillion with a capital T. It’s actually over $1,200,000,000,000. Ouch.

Is that degree really worth it

Student loan debt is unlike most other debts though in that it is nearly impossible to get rid of, known as forgiveness or discharge. This means even if you fall on hard times, lose a job, or your life circumstances change drastically it’s extremely uncommon to have that debt wiped away – you’re pretty much stuck with it. For some adults this means they will be carrying debt from choices made in their teens and twenties well into their middle age and often they’ll still be paying off those debts while paying for their children’s education.

When considering our finances it’s important to look at the impact student loan debt has since many readers are impacted by college debt. It’s likely you still owe for your college education if you have one (and often even if you don’t have a degree!). Others may be considering college costs for their children whether they’re toddlers or getting ready to head to college. Finally, there are many adults who go back to school when they change professions or need additional education to improve their earning power.

Since there are a lot of scenarios to cover here I’ll break them down, and you can head to the subsection that applies to you.

Already in Student Loan Debt

You already have a degree and the debt to prove it. While you may owe anywhere from a few thousand to tens of thousands the advice to not get into debt doesn’t apply. You need solutions and advice on getting out of student loan debt.


If you have multiple loans look into consolidation. You can consolidate loans with your spouse as well. This may allow you to get a lower interest rate or lower monthly payment, but it also makes it easier to manage than several loans.

Pay More than the Minimum

While it’s common sense, paying more than the minimum means you will pay it off sooner. Some ways you can ‘find’ more than the minimum in your budget include: slashing expenses (like dropping cable or getting a cheaper cell phone plan) or adding any pay raises to your loan payment.

Work a Side Gig or Second Job

Need to earn extra money to meet your loan payments or increase your payments to pay it off quicker? Get a side gig or work a second job to earn extra money to put towards your college loans.

Investigate Options

If you’re really struggling financially like having no job call your student loan company before you skip a payment. They may be able to hold or defer payments or offer some other options to help keep you from defaulting on your loans.

Getting Ready or Going to College

If you or someone in your family is headed to school or back to school for a degree it’s the perfect time to consider all the options.

Do you Really Need That Degree?

While a college degree is still statistically going to increase your earning ability over time it’s not always a necessity in every profession. Some professions simply don’t require a degree, and many trades are desperately seeking qualified and well-trained individuals.

Additionally, the job market has changed drastically to allow small businesses with little overhead to thrive. In an age of consulting, freelancing, and startups a degree is nice-but it’s not exactly a requirement. Depending on your skillset you may not have the need for a traditional college diploma.

Check Pay Rates and Rental/Home Prices

Whether you’re going back to school or headed to college for the first time you need to consider the cost versus the income you will earn in the future. While we all know there are no guarantees of future income checking pay rates in your area and investigating the cost of housing will help you get a general idea of what you’ll have to spend on student loan repayment.

For instance, it doesn’t financially make sense to spend $150,000 on a degree if the average entry-level earnings are $35,000 per year and average rentals cost $750/month.

The math would show you it would take an awfully long time to pay back your loans, and in the end it’s unlikely to be worth the added stress and costs when you could get a solid education and degree for 1/4 that cost.

Exhaust Scholarship and Grant Options

Grants and scholarships are plentiful, but it takes some hunting and some time to getting the most money you can for school. If you dedicate the time upfront though you could end up saving thousands of dollars. There are scholarships and grants that are high value and competitive, and there are smaller scholarships and grants that are for less money and more obscure.

Consider Starting Small

Instead of diving into a 4 year college with big expenses consider a local, smaller school to get your initial credits out of the way. You could even consider an online education if you’re an adult or need to work full-time to fund your education.

Saving for Future College Costs

Saving for your children or family members who you hope to help go to college is a great gift, but you have to consider all the options before you start saving.

It’s vital to be sure you aren’t locking up money that is needed for an emergency fund or for retirement first and foremost.

However, if you have a healthy emergency fund and are (mostly) on track with retirement savings here are come options to consider:

529 Plans

529s are a great option since they offer no taxes when withdrawn for qualified education expenses like tuition. Many states also have no tax on withdraws.

There are two types:

  • Pre-paid plans: You pay for college costs at today’s rates even if costs go up when your student goes to school.
  • Saving plans: Savings plans are based on the stock market with a mix of investments that get more conservative as your child nears college age.

The downside: Funds that aren’t used for college are taxed fully and a 10% penalty is tacked on. While it’s hard to tell when they’re infants, it’s not exactly ideal if Junior decides not to go to school or ends up with a full scholarship.

Roth IRAs

Roth IRAs are a retirement savings vehicle, but they also offer the option of withdraw for college expenses. This can offer the best of both options for families who need to get the most out of their long-term savings.

With a Roth IRA you can use funds for educational expenses OR retirement meaning if your child doesn’t need all the funds you can continue to grow them for retirement without paying penalties.

The downside: Current Roth IRA limits mean you can only save $5,500 each year or $6,500 if you’re over 50 in these accounts.

Note on investing for college: You can encourage family members to add to your little tyke’s college fund (for instance in lieu of gifts for the holidays or birthday presents). For instance grandparents can gift funds to each child, currently you can give $14,000 per year without penalties. 

When Should You NOT Save?

If you’re in debt or struggling financially saving for college shouldn’t even be a consideration. High interest debt (i.e., not your mortgage or your own student loans!) should be tackled before you consider saving for college. If you’re paying 14.99% on your credit cards the math is against you saving for college costs…for now.

Parents often make the mistake of saving for college funds over retirement thinking they have less time to ‘catchup’ on college education costs, but if they aren’t maxing out their retirement savings they could be in major trouble later in life.

While it is a great goal to make sure your children enter adulthood debt-free it shouldn’t come at the cost of your own savings and financial stability-that will impact your children now.

What it comes down to is this–take care and consider all your options whether you’re paying off college costs or saving for your children’s future.

What are your thoughts on student loan debt and college savings? Do you still owe for your education or are you worried about financing your children’s education?


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Last Day: Mrs. Meyer’s Hand Soap + $10 Credit

Tuesday, October 21st, 2014


I am so thrilled that so many of you have taken advantage of the offer through ePantry I offered this week! Today is the last day you can take advantage of this offer through MomAdvice.

Use this link to get a $10 credit to shop and a free bottle of Mrs. Meyer’s Hand Soap.

Sign Up

Simply sign up for an account with ePantry using this link .  ePantry is giving all new customers a $10 credit + a bonus FREE Mrs. Meyer’s hand soap. Take advantage of this offer through today only.

Answer A Few Quick Questions

These questions help them to know what types of products you love, how many people are in your home, and what scents you love.  This helps give a rough estimate to how often they need to ship your favorite items right to your door.

Fill Your Cart

You can add your favorite items to your cart or allow ePantry to make some selections for you based on the questions you answered.

Check Out

Just for this first order, your order must be $30 or more (but that includes the $10 credit), so that is basically saving you more than 30% on household products you use every day!

Here is what I put in my cart as an example of how much you can save!


Once you use my referral link you will see a FREE Mrs. Meyer’s  Scented Hand Soap, a holiday exclusive,  with your purchase. You do not need to add this to your cart, as my link will automatically do that for you!

Here are a few of my favorites I chose (just as an example- choose whatever you like!). I have a Method Clementine Dish Soap, a Method Lavender All-Purpose Cleaner, 3 Mrs. Meyer’s Hand Soaps, 1 Mrs. Meyer’s Lavender Toilet Cleaner, 1 Mrs. Meyer’s Bathroom Cleaner, a 2 piece Reusable Kitchen Wipe Set, & 1 Mrs. Meyer’s Hand Soap. Total cost just… $23.25

That is  NINE household products for just over $20 out of pocket, which works out to roughly $2.58 a piece. What a steal! 

I hope you won’t miss out on the savings- happy shopping, friends!