Archive for the ‘Money & Finance’ Category

Notebook Experiments: Can We Survive a Money-Free Weekend?

Wednesday, July 8th, 2009

I am bringing back this little post today as I am heading out of town. Between packing and throwing our birthday bash, I am tapped out for the week!

Money-free weekends are one of my favorite ways to get our budget back on track and I hope it will inspire you to take a weekend off from spending. Take a peek at our No Spend Challenge or visit Rachel, at Small Notebook, and join her in her family’s challenge to not spend. There is so much inspiration there and it is always fun to have a virtual friend to take a challenge with you!


Experiment: Can our family survive a money-free weekend?

Experiment Taken From: Notebook Entry 07.24.08

Materials Needed: Please see The Simple Dollar for the full instructions on ideas for completing this task. Since it is a money-free weekend, you can bet that all those materials need to be free and laying around your house.

Results: I will admit it, we have the most trouble with our spending on the weekends. All of the leisurely free time just makes me think of all the things that I could be buying. It really doesn’t help that we live off the main drag for shopping either!

For this experiment though, we made a commitment to have a money-free weekend. I had withdrawn our grocery money earlier in the week though for our grocery shopping, but that is where our spending ended.

What did we do on our no spend weekend? Well, we played board games in the evenings and caught up on our favorite shows. I spent some time working on knitting some washcloths for my grandma’s birthday. I cleaned out my closet and took a load of stuff over to Goodwill to make a donation. But our favorite no spend idea that we did… well, maybe our kid’s clothing choices might help you guess!


No, we didn’t get to see a free game, but my husband’s work throws an amazing tailgate and we thought this would be the perfect way to celebrate not spending that weekend.

And you know what is free at those events. Yup, tons of free food! My kids gorged themselves on a plethora of sugary treats and salty snacks. We all ate until we were in food comas and then swung by to see the local radio station all set up and distributing stickers and football necklaces for a special little treat for the kids. We threw our name in a raffle and chatted for a bit at their table. We watched all of the craziness that ensues for Notre Dame games and just drank in all the fresh air and sunshine.

“How convenient,” I exclaimed to my husband, as we walked over to our car! “We just so happened to have parked right next to the Starbuck’s. Momma could go for some delicious coffee.” My husband just grinned at me and kindly replied, “Oh wait! Didn’t you say we were having a NO SPEND weekend? Awww, too bad!”

I think one of us took this no spend thing a little too seriously!

Conclusion: I really loved having a money-free weekend and I plan to do this more regularly in our house. Thanks to Trent, at The Simple Dollar, for encouraging families to save instead of spend!
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I am so excited to open our Notebook Experiments up to everyone and I hope that you will be able to participate this week or in weeks to come! I will be posting this each Thursday so please mark your calendars if you plan to participate. You can post your entries at any time throughout the week and then leave your entry in the links below.

We have this handy banner that you are more than welcome to use, but it is not a requirement! It is just something you can add to add a little sparkle to your entry.

Rules for Participation:

1. Choose anything from any of our notebook entries (past or present) to do with your family. We have hundreds of bookmarked links of crafts, ways to save money, and organizing ideas.
2. Complete an experiment from the notebook and share about it on your blog or website. We would love to see pictures of what you accomplished or a detailed description of how your projects turned out. Please include a link to this entry, a link to the original posting of the entry (at the original crafster’s blog), and (to help us relocate the project) the date or link of the notebook entry where you found it. You can use the same formatting as our entries or you can just include that information in your post in your own unique way!
3. Post a link below. Please include your name or blog name & a fast description of your project. Example- MomAdvice (WHO bread)

I can’t wait to see what you create and what you find inspiring!

Freebie Friday: July 3, 2009

Friday, July 3rd, 2009

Freebie Friday comes to you each week courtesy of Freebies 4 Mom. Be sure to visit Heather’s site because she has gathered up a great list of sweepstakes to enter and highlighted some of the best printable coupons that are happening right now!

While you are here, don’t forget to browse our top ten articles of the month and check out the Apron Full of Giveaways for more great contests to enter!

I hope you all have a wonderful holiday weekend spent with family & friends celebrating this great holiday!

Health & Beauty

Aquafresh Extreme Clean (coupon for free travel size)
Stroller Strides (free week of classes)
Nature Made Triple Flex (Walmart)
Calcia Calcium trial kit

Food
Mars Free Chocolate Friday
Nakano Rice Vinegar (when you join Recipe Club)

Entertainment

Journal Buddies Self Esteem eBook for Girls

Home & Garden
Kraft $55 Savings Booklet & Calendar
House Party (4 events to apply for)

Upcoming Freebie Events:
Please call your local store or restaurant to confirm they are participating in these freebie events.


JULY

4 – The Home Depot Kids Workshop make a picnic caddy 9 to noon
4 – Lakeshore Free Kid Crafts make a firecracker 11 to 3pm
4 & 5 – Museums on Us (free admission for Bank of America customers)
4 & 5 – Bass Pro Shops Family Summer Camp birdhouse Noon to 6pm
10 – Chick-fil-A Cow Appreciation Day
11 – 7-Eleven Free Slurpee
11 – Lowes Build and Grow Kids Clinic make a pirate chest 10 to 11am
14 – Long John Silvers Free Baja Fish Tacos open until 2:30pm
18-19National Parks Fee Free Weekend
19 – Bruster’s National Ice Cream Day
25 – Lowes Build and Grow Kids Clinic make a helicopter 10 to 11am

AUGUST

1 – The Home Depot Kids Workshop make a message center 9 to noon
1 & 2 – Museums on Us (free admission for Bank of America customers)
15 & 16 – National Parks Fee Free Weekend

The Art of Stockpiling

Thursday, July 2nd, 2009
Photo Credit: aoneko

There are many ways to begin tackling the grocery budget and one of the most popular ways is the art of stockpiling items when doing your grocery trips. This method, also known as the “pantry principle” by loyal Tightwad Gazette readers, is a method of shopping that is meant to give you the best bang for your buck.

Let’s begin by discussing the methods that are commonly used when people are trying to save money on their grocery shopping and the advantages and disadvantages of each.

The Planner- I feel that this is the first place to start when you begin learning how to save money on your groceries. This is for shoppers who are going from shopping whenever and for whatever they want, to accomplishing a more disciplined form of shopping for only what you need and shopping with a plan. This shopper sits down and menu plans for the amount of meals that they will need and makes a list of the ingredients needed to accomplish their task. The amount of meals planned depends on the amount of times they shop per month and they buy only what they need to accomplish their menu plan goals for the week. This is an excellent place to start and a great way to learn how to buy only what you need and to avoid impulse shopping. Being a planner myself, this method fit our lifestyle for a long time and served its purpose in helping our family save money. Unfortunately, planners focus more on the plan than the sale so this can sometimes be the most expensive option next to shopping without a plan at all. While this shopper has great meal ideas, they buy the ingredients possibly at premium prices and pay more to accomplish their plans then other types of shoppers.

The Flier Shopper- This method of shopping is the next step up and is another great way to save money. This shopper is excited when their weekly fliers and coupons arrive because this determines exactly what they will be eating for the week. Let’s say that chicken is at a bargain-basement price of $1.19 per pound. This shopper will plan a meal around everything they can make with that chicken and out of other ingredients that are featured in the flier. Their meals will consist of items made mostly from sale ingredients and they keep their grocery budget low by planning meals that fit with the sales advertisements and the items that they can get with their coupons. This shopper is still a planner, but their menu plans are created solely around sale ingredients.

The Stockpile Shopper- This way of shopping requires less initial planning and more planning after your food has already been bought. This shopper focuses on stockpiling their pantry with food purchased at the lowest possible price. Grocery shopping then becomes all about keeping your pantry stocked and not about a menu plan really at all. Let’s say that diced tomatoes are marked down to $.29 a can. This shopper would run out and buy twenty cans of diced tomatoes because they know that this is the lowest possible price based on their price book. This shopper has carefully tracked prices and they know that this deal only comes around every three months so they stock up until the next sale, calculated to happen three months later. This shopper looks at all the items that they have bought and figures that they can have a delicious spaghetti sauce, a pizza with a homemade red sauce, and the family’s favorite casserole…that all just happen to use diced tomatoes in their recipe.

Do you want to be a stockpile shopper? Here are some steps for beginning this process:

1. Sit down and make a list of the foods that you eat regularly. If you were formerly a planner, you should have some menu plans that you can take a look at. Write down these ingredients into a notebook and the prices that you normally pay for these items.

2. Cut coupons to go along with your items to gain even more savings to your stockpile. Utilize a free service like CouponMom.com to learn when to use your coupons and to help you find the best deals to apply your coupons towards.

3. Next, begin tracking the ingredients in your sales fliers and begin stockpiling the items when they go on sale. Continue writing and tracking the prices as you go along and when you see a large dip in the pricing, stock up, and up, and up. Stockpile only as much as you can afford in the grocery budget to spend and what you really can eat. The first few weeks will be difficult and you may need to allocate some money to set aside for beginning your stockpile. Understand though that each week will get easier and allow for more breathing room in the budget. As the weeks progress, you will have built up the beginnings of a pantry and will need less and less ingredients, allowing for more room in the budget to stock up on future good deals.

4. Only stockpile what you truly can eat. Even if tuna is marked to a quarter a can, if you spend ten dollars on tuna and no one really likes tuna, you are wasting money and you are wasting space in your pantry. If you find you overbought on items, consider donating them to a food pantry or a shelter so the food is not wasted.

5. If you end up miscalculating how much of an ingredient you will need, you will have to plan your dinner around that missing ingredient. A Stockpile Shopper will refuse to buy spaghetti sauce, for example, unless their store runs that item on a buy-one-get-one free sale. If the shopper runs out of that ingredient, her family won’t eat spaghetti until the next sale or they will find a way to make sauce from other ingredients that have been stockpiled.

6. Some items just can’t be stockpiled like fresh fruits and vegetables. This is where I rely on my Flier Shopper instinct. If bananas are $.19 a pound, I would scoop up ten pounds for my family. I would eat them fresh until they got ripe and then mash the ripe ones for banana breads and muffins. Applying my good shopping instinct, I would pick the sale items and also pick fruits and vegetables that offer longevity over produce that only lasts a few days or could not be used past their duration (like in the bananas example). This is why I tend to gravitate towards carrots, celery, potatoes, bananas, and apples to fill the majority of our fresh fruit and vegetable quota. Once these run out, I would rely on my stockpile of dried fruits, canned fruits, and frozen vegetables to make up the difference until my next trip.

As you can see, stockpiling can really extend your grocery dollars and can be a fun way to approach grocery shopping.

Next week we will be discussing creative ways to store your stockpile! Many of us live in smaller spaces so we have to be more creative with storage.

Which type of shopper do you identify with? Do you stockpile?

An Apron Full of Giveaways 06.30.09

Tuesday, June 30th, 2009
BeBe & Alice, $44.95

Another week is flying by and another great giveaway list is set to roll out for the week.

Thank you all so much for participating last week in our Crystal Light Water Way Challenge. We have contacted our winners from the four $50 giveaways and have wrapped this giveaway up. Congrats to all of the lucky winners!

This week we are giving away three copies of the new Bedtime with Elmo DVD. Be sure to head over to this contest and get your entry in for this new DVD!

Follow the links below to find out how to enter to win these fabulous giveaways!

Below are the contest links-if you are hosting a contest please link it up below. Sorry, we aren’t giving away the aprons just showcasing them! Please put your site name and then what type of contest you are hosting. For example, “MomAdvice (Children’s Movies).”

Please let me know if you have any questions and good luck to each of you!

Freebie Friday: June 26, 2009

Friday, June 26th, 2009

Happy Freebie Friday! We are happy to be sharing a load of freebies with our readers courtesy of Freebies 4 Mom! In case you missed it, Heather has an excellent article on how to save on vitamins and supplements for your family this week. You should also enter to win her Rookie Mom’s Book giveaway. I know that is one book I would love to add to my own collection!

Have a wonderful weekend, everyone!

Health & Beauty

Food
Mars Free Chocolate Friday
White Castle Free Slider

Entertainment

Photo Editing Class
Patty Reed Printable Paper Dolls
Precious Places DVD
REI’s Passport to Adventure

Home & Garden
The Frugal Kitchen free eBook
Glidden quart of paint
Freepeats (local forum in over 50 cities)
House Party (4 events to apply for)

Upcoming Freebie Events:
Please call your local store or restaurant to confirm they are participating in these freebie events.

JUNE
27- Lakeshore Free Kid Crafts party hat 11 to 3pm
27 – Lowes Build and Grow Kids make a pirate ship 10 to 11am
27&28 – Bass Pro Shops Family Summer Camp keychain Noon to 6pm
27&28 – The Home Depot Home Improver Workshops 5 different topics

JULY

4 – The Home Depot Kids Workshop make a picnic caddy 9 to noon
4 & 5 – Museums on Us (free admission for Bank of America customers)
10 – Chick-fil-A Cow Appreciation Day
11 – 7-Eleven Free Slurpee
18-19National Parks Fee Free Weekend

AUGUST

1 & 2 – Museums on Us (free admission for Bank of America customers)
15 & 16 – National Parks Fee Free Weekend

An Apron Full of Giveaways 06.23.09

Tuesday, June 23rd, 2009
Snappy Shop, $46

I apologize that we did not have the giveaway link list last week. I was having some difficulties with our web host and was not able to add submissions to our site. We are back in business today though and I am happy to host another giveaway list for our readers and to send traffic to your blogs!

Today is the FINAL day that you can enter for $50 (four contests in all) for our Crystal Light Water Way Challenge. I am taking entries until 8PM this evening and then will be closing out all four of the giveaways. By following the link to this week’s contest, I have provided the links for all of the giveaways within that entry. There are a variety of ways to get in extra entries and some of the later contests have very few entries. I can’t wait to send out these gifts to you so take a moment to enter!

Follow the links below to find out how to enter to win these fabulous giveaways!

Below are the contest links-if you are hosting a contest please link it up below. Sorry, we aren’t giving away the aprons just showcasing them! Please put your site name and then what type of contest you are hosting. For example, “MomAdvice (Children’s Movies).”

Please let me know if you have any questions and good luck to each of you!

Freebie Friday: June 19, 2009

Friday, June 19th, 2009

I hope everyone is having a great week! Please enjoy all of these fantastic freebies courtesy of Heather, from Freebies 4 Mom, to kick off a wonderful weekend. Don’t forget to check her site for the latest round of coupons.

We are on our third week of the Water Way Challenge and I encourage you get your entry in for our $50 prize! We only have one more week to go in the challenge and each entry will get you closer towards those great prizes.

Happy Freebie Friday, everyone!

Health & Beauty

Scott Sample Pack (Walmart)
Vaseline Aloe Fresh (Costco Members only)
o.b.

Food
Mars Free Chocolate Friday
Emeril’s Original Essence

Entertainment

CVS Free 8×10 (coupon code FREE8x10)
Wendy’s Frosty Father’s Day eCard (Wendy donates 25 cents for each card made)
Harlequin Romance (16 free books to download)]
Forbes magazine (RewardsGold)

Home & Garden
Suze Orman Will & Trust Kit (coupon code People First)

Upcoming Freebie Events:
Please call your local store or restaurant to confirm they are participating in these freebie events.

JUNE
19 – Orange Julius Free Light Smoothie Day
19 – A&W; Float 2 to 8pm
20- Lakeshore Free Kid Crafts father’s day tie11 to 3pm
20&21 – Bass Pro Shops Family Summer Camp paint a wooden lure Noon to 6pm
20&21 – The Home Depot Home Improver Workshops 5 different topics
20&21 – National Parks Fee Free Weekend
21 – TCBY Father’s Day free cup or cone for dad
25 – Glidden National Paint Giveaway
27 – Lowes Build and Grow Kids make a pirate ship 10 to 11am

JULY

4 – The Home Depot Kids Workshop make a picnic caddy 9 to noon
4&5 – Museums on Us (free admission for Bank of America customers)
10 – Chick-fil-A Cow Appreciation Day
11 – 7-Eleven Free Slurpee
18-19 – National Parks Fee Free Weekend

AUGUST

1&2 – Museums on Us (free admission for Bank of America customers)
15-16 – National Parks Fee Free Weekend

Play It Again, Momma: 35 Ways to Reduce That Grocery Budget

Thursday, June 18th, 2009


I wanted to bring back this entry because it really is the best showcase of all of our grocery saving advice on the site and on our blogs. If I could add only one tip, I would urge you to pull your fruit basket up so your child does not sink her teeth into each piece of fruit to stake her claim on it.

With grocery prices rising and package sizes shrinking, it can be difficult to stay within your grocery budget. Here are 35 steps towards improving your grocery budget and making the most of your money.

1. Buy the least expensive ground beef and rinse the meat instead to reduce the fat content.
2. Stop buying baby carrots and chop the carrots yourself.
3. Milk your milk budget by using powdered milk when the milk prices are too high.
4. Try making your own coffee syrups and coffee creamers to help save on your coffee expenses.
5. Dispose of the disposable items and switch to cloth napkins, washcloths, and and microfiber cloths to replace your paper napkins and disposable wipes.
6. Try making your own bread using a bread machine or making bread the good old-fashioned way.
7. Start keeping a price book to cash in on the best deals (you can download a free one here).
8. Take advantage of grocery delivery services or free in-store shopping services to help avoid impulse shopping.
9. Give wholesale club shopping a try for items that you use frequently, just be sure to use your price book to compare the prices.
10. Start making your own homemade cleaners.
11. Learn the art of stockpiling and create a system for storing your stockpile that works for your family.
12. Create a series of menu plans that you can rotate so you can make your grocery shopping easier and keep yourself under budget.
13. Try using coupons and utilizing free coupon services to help you score the best deals for your money.
14. Start gardening with simple foods that are easy to grow like tomatoes, herbs, cucumbers, and squash.
15. Try canning items from your garden to help cut costs in the winter months.
16. Make your own baby food or find a way to buy it cheaper.
17. Give cloth diapering a shot! They have come a long way and can save you hundreds and hundreds of dollars.
18. Sign up for free samples of food and toiletry items. You will waste less money trying new items out and these samples can help get you by when times are more lean.
19. Make your own mixes instead of buying them.
20. Try shopping at a less expensive supermarket.
21. Bring your own grocery bags for a grocery bag credit at most supermarkets.
22. Shop at stores that will double your coupons.
23. Bring cash and a calculator instead of using your debit card. This will help you to stay on budget better.
24. Utilize a slow cooker so you can buy cheaper cuts of meats and use the slow cooker to tenderize them.
25. Try making your own condiments like pancake syrup, croutons, and salad dressings.
26. Take inventory in your fridge, pantry, and freezer before shopping to avoid buying repeat and unnecessary items.
27. Try replacing one evening meal with breakfast foods instead. Most brunch dishes are less expensive and you can omit or stretch meat in these dishes a lot further.
28. Instead of buying prepackaged bagged ingredients, try packaging your own ingredients once a week instead. It will help get dinner on the table faster and it will save you money in your grocery budget.
29. Make a homemade pizza instead of buying pizzas in the frozen section.
30. Schedule a day in your kitchen every week to make cooking easier and to help save on the cost of buying convenience foods.
31. Feed your freezer and/or give once-a-month cooking a try to save on time and money.
32. Eliminate meat or make one night a m
eat-free night.
33. Make snacks items convenient so you don’t have to buy the prepackaged goodies.
34. Buy and prepare whole chickens instead of buying chicken breasts as a meal or shred this meat for your casseroles.
35. Buy your meat in bulk.

Am I missing a tip? Feel free to share the ways you reduce your family’s grocery budget?

Freebie Friday: June 12, 2009

Friday, June 12th, 2009

Happy Freebie Friday, everyone! I hope you all are having a great week this week. I would like to thank Heather, from Freebies 4 Mom, for providing us with her great round-up of the best freebies of the week. Heather has a fantastic entry this week on word-of-mouth programs and what they offer. This is a definite must read for scoring additional free samples and products. If you missed Heather on the Tyra Banks Show, they are airing the episode again today. Be sure to visit Freebies 4 Mom for the scoop!

We have another $50 giveaway to offer for our Crystal Light Water Way Challenge. By participating in this challenge, we are able to help others have access to clean water. You can enter each Monday (four times in all). Our Apron Full of Giveaways will also offer access to more great contests on the web!

Finally, if you have a moment and could put in a vote for MomAdvice in the BlogLuxe Awards, I would greatly appreciate it. You can vote once daily and we have been nominated in the Cleanest Blog Category & Blogs You Learned The Most From. Thank you so much for your votes!

Enjoy the freebies!

Health & Beauty

Food
Mars Free Chocolate Friday
Godiva Chocolate Rewards
Metamucil Pink Lemonade and Berry Burst
True Lemon

Entertainment

CVS Free 8×10 (coupon code FREE8x10)
Kids Song “I Can Do It Myself” by Miss Amy
GeoTrax DVD
Summer Playlist 2009 – 22 free iTunes songs
National Parks Fee Free Weekends
Cruising World magazine subscription (ValueMags)

Home & Garden
Recycling Crafts eBook
Splenda Sweet Solutions House Party
Royal Caribbean House Party

Upcoming Freebie Events:
Please call your local store or restaurant to confirm they are participating in these freebie events.

JUNE
13 – Lakeshore Free Kid Crafts flip flop magnetic notepad 11 to 3pm
13 – Toys ‘R Us Super Why Play Day 12 to 2pm
13 – Lowes Build and Grow Kids make a putting green 10 to 11am
13&14 – Bass Pro Shops Family Summer Camp paint a wooden lure Noon to 6pm
13&14 – The Home Depot Home Improver Workshops 5 different topics
15- Free Hot Dog on a Stick Day 5 to 8pm
19 – Orange Julius Free Light Smoothie Day
20-21 – National Parks Fee Free Weekend
21 – TCBY Father’s Day free cup or cone for dad
27 – Lowes Build and Grow Kids make a pirate ship 10 to 11am

JULY

4 – The Home Depot Kids Workshop make a picnic caddy 9 to noon
10 – Chick-fil-A Cow Appreciation Day
11 – 7-Eleven Free Slurpee
18-19 – National Parks Fee Free Weekend

A
UGUST

15-16 – National Parks Fee Free Weekend

An Apron Full of Giveaways 06.09.09

Tuesday, June 9th, 2009
Sygent Creations, $35

Welcome to An Apron Full of Giveaways linky list, where we share all of the great contests happening all over the web.

This week, we are starting our second week of the Water Way Challenge with Crystal Light and sharing another $50 for one lucky reader. I will be doing four posts in all so be sure to enter each of the giveaways to increase your chances of winning that $50 prize. Good luck to each of you!

Follow the links below to find out how to enter to win these fabulous giveaways!

Below are the contest links-if you are hosting a contest please link it up below. Sorry, we aren’t giving away the aprons just showcasing them! Please put your site name and then what type of contest you are hosting. For example, “MomAdvice (Children’s Movies).”

Please let me know if you have any questions and good luck to each of you!