Archive for the ‘Money & Finance’ Category

Frugal Family Vacations

Saturday, August 23rd, 2008

I know that you all are really going to enjoy this guest post from another one of my favorite bloggers! Stephanie, at Keeper of the Home, has agreed to share her traveling expertise with our readers and I think this post will really help those of you who are planning your family vacations! Be sure to visit her blog for wonderful tips for naturally inspired living for the Christian homemaker.

If you are interested in submitting a post on frugal living, creative/crafty parenting, or organizing, you can email your entries to me at amy@momadvice.com. Please include a bio with a link to your site and (if you would like) a picture of yourself to include.

If you’re a frugally minded mama like myself, and you and your family have thought of vacationing beyond the local campground, you may be wondering how to go about planning an affordable yet still fantastic family vacation.

Here are a few things that I have learned in my experience of planning both domestic and international trips:

General Tips

Research, research, research!

This cannot be stressed enough! Do not settle on any tickets or reservations until you’ve researched at least 4 or 5 options.

Initial research should give you an idea of general flight, hotel, and car prices, as well as the attractions that you are interested in and a skeleton itinerary. Start by using online travel services such as Travelocity, Expedia, Hotwire and Priceline to begin to gauge prices. Use travel sites such as Lonely Planet or Fodor’s to start to get some ideas about the place you will be traveling to, as well as simply googling things like “travel arizona children” or “attractions grand canyon”.

From here, put together an estimate of what the cost of your trip will be. If it’s coming up too high, consider what areas you can skimp in. For us, we don’t care about fancy accommodations. We would prefer to have more money to allow us the freedom to eat without stress, and do all of the activities that interest us. You may feel differently. What are the priorities for your family?

Once you’ve worked through these steps, you can get down to business and really dig in to find the absolute best deal on each part of your trip.

2) Booking together isn’t always cheaper

Through the travel companies would love to be your one-stop shop by having you book your flight, hotel and car all in a neat and tidy package, you will most likely be missing out on some deals by going that route. If you do some careful comparisons of these “deals” (compared to finding each component of the trip individually), you will see that they really aren’t the deals they’re cracked up to be.

3) Bidding for a deal

It’s now become one of the more popular ways to try to find rock bottom deals for traveling. Sites like Priceline and Sky Auction encourage you to either bid against other would-be travelers or to “name your own price”. These sites have the potential to be very valuable to you if:

  • You’ve already done the research and know exactly what a good deal would look like
  • You’ve determined your bottom line. For example, when using Priceline you don’t get to choose your flight time, specific hotel, etc. You set your price, win it, and then find out what you’ve already bought. It’s important to consider these unknown factors, compared to the available deals that you already know are out there, and then you will have the ability to pick and choose whether bidding is worthwhile. If an extra $10 a night is worth it to you in order to know exactly which hotel you will be staying in, set your Priceline limit at $10 below what you’d like to be paying, and resolve to walk away if that bid isn’t accepted.
  • You are very aware of the fees and taxes that will be added on. Always, always check and know exactly what your total costs will be before making any decisions.

Tips for flights

  • Children under 2 fly free, on a parent’s lap, so plan your dates accordingly if you have little ones nearing their birthday
  • If you can, keep your dates flexible. Often it is cheaper to fly on a Saturday, while the Friday may cost $15 more a ticket. It doesn’t sound like much, but it can add up fast if you’re buying children’s flights as well. Some travel sites have search options designed to let you search using flexible dates. A great option to use is Expedia (be sure to check the box that says “my dates are flexible”). I just did a sample search on flights from Atlanta to Fort Lauderdale in August, and came up with a price range of $191 to $309, within an 11 day span- that’s a big difference!
  • Look at smaller, independent airlines as well (which are usually not included on the major travel site searches). A few examples are:

  • When you find a great deal, snag it! Good deals don’t last for long, and if you wait, you may just miss out (I know this from experience!)

Tips for Accommodations

  • First, consider the many varied options out there: Hotels, motels, camping, yurts, hostels, house swaps, B&Bs;, etc. There is so much beyond the traditional hotel, and many of the other options are much cheaper, and can even be more enjoyable! Personally, we will be staying in a private room at a hostel in Flagstaff for our upcoming Grand Canyon trip, where we will have kitchen privileges, hot breakfast included, laundry machines and more, for a mere $45 a night!
  • Do consider bidding for hotels on sites like Priceline. I just scored two nights at the Crowne Plaza in Phoenix for $50 a night! Just remember- do your research first!
  • Change it up! When we went to Europe 2 years ago, I found that different types of accommodations were cheaper in different cities. In Rome, we stayed in a very small but lovely private hotel. In Florence, we opted for a camping hostel, where the tents are permanently set up on raised concrete, and include cots and basic bedding. In Edinburgh, we stayed in a quaint Bed & Breakfast, where we had a gorgeous, clean and very large room, delicious hot breakfast (could have done without the blood pudding, though!), for the same price as a private hostel room, and half the price of the cheapest hotels. While living in Japan, we went even cheaper than a hostel and chose to take the train out to the country each night to camp (we carried our tent on the bus we took up to Kyoto).

Tips for Rental Cars

  • Go with the smallest car that suits your needs. You’ll save on rental costs, as well as gas most likely!
  • Avoid most of the bigger name companies. They tend to be significantly more expensive, unless you come across an amazing deal.
  • Again, try your hand at bidding to “name your own price
  • Compare many sites. In my recent search for the cheapest rental car, my favorite comparison sites were Hotwire, Travelocity, Expedia, Priceline and CarRentals. I looked at the individual rental company sites, and generally they weren’t cheaper than the travel sites, with the exception of a few smaller companies that were not always included in the searches. Try Fox, Advantage and Dollar.
  • If you have AAA or BCAA, or even an Entertainment book, check the types of deals and discounts that are offered for members. You may find a free upgrade on a weekly rental, or perhaps a 20% discount, etc. Just make sure you compare it to the other deals out there, as these discounts are usually for the bigger, more expensive companies.
  • Consider whether you need a car at all! Some cities have
    excellent public transit, and if you choose the location of your
    accommodations carefully, you may find that the need for a car just
    disappears.

Tips for Attractions

  • Get an Entertainment book or online membership! You will find many 2 for 1 entrances to attractions, as well as 2 for 1 entrees at the local restaurants.
  • Look for a city pass. These passes are your entrance ticket to the most popular attractions in a city or area, for a discounted rate. By buying the one pass, you can go to any attraction included over the course of one week (for example- it varies from pass to pass). Some examples are the Seattle CityPass, ShowUp Now for the Phoenix area, and the Go Los Angeles Card. Visit CityPass for several other major North American cities available.

Tips for Eating Cheaply

  • As mentioned above, the Entertainment book can help you make the best of having to eating out (or depending on your perspective, getting to eat out!) by offering 2 for 1 entrees.
  • Try finding an accommodation that includes a breakfast, or even one that allows kitchen privileges (such as a hostel, or some B&Bs;) or a motel with a kitchenette.
  • If your hotel has a mini fridge, find a local grocery store (which just adds to the experience of visiting a new place), and stock up on breakfast foods (unless included), and lunch and snack foods so that you can brown bag it as much as possible.
  • Bring a stash of easy to carry snacks that your family enjoys. To Arizona, we will be bringing fruit leather or bars, rice cakes, granola bars that are wheat free (as we are all sensitive to wheat), and a box of mineral drinks mixes to add to our water bottles.
  • Bring a water bottle for each family member, and fill them up each time you’re able to. Buy large bottles of purified water from a local grocery store to keep in your hotel room, or the trunk of your vehicle, to do refills.

Lastly, once you are there and you have done everything you can do to make your trip as affordable as possible, just relax! Enjoy your vacation, knowing that some extra expenses will pop up unexpectedly (as they always do), and choose to cherish every minute of the trip that you have worked so hard to plan and save for!

Despite how it may appear, Stephanie does not spend most of her time planning vacations! She is blessed to be a wife, mother to two young children, homemaker, and home schooler. In her “spare time” she maintains the blog Keeper of the Home, gardens organically, studies nutrition and natural living, and enjoys cooking up nourishing foods for her family.

Redbox Code 08.20.08

Wednesday, August 20th, 2008

Last post for the day! Today’s free code for a Redbox movie is JK4HM5. This code is good for one free movie and you can use it until midnight tonight. Enjoy a free family movie together!

Side Notes:

– If you want to rent more than one movie for free, bring more than one credit/debit card. You can use the same promotional code, you just will need different cards to charge it to. The charge will be zero as long as you return your movie on time for the next day.

– When entering in your free movie code, you need to enter it FIRST before picking the movie. On the very first screen, click the, “Rent with Promo.” Enter in the above code and then make your selection- the amount should then total zero.

Here is an updated list of new releases from Redbox:

Hannah Montana/Miley Cyrus: Best of Both Worlds Concert Tour
Missed the Hannah/Miley tour when it came to your town? Let redbox put you in front row – for far less than the price of a ticket. This film follows the sensational young singer on tour, and also features stars like the Jonas Brothers and her achy breaky dad, Billy Ray.

Prom Night
Between borrowing a car and stocking up on breath mints, high school kids had enough to worry about on prom night… BEFORE a sadistic killer crashed the party. Brittany Snow plays Donna, a senior whose night is pretty much ruined by the return of a murderous sociopath from her long lost past.

Street Kings
Keanu Reeves stars as a veteran cop who’s dealing with both the death of his wife and with being charged in the death of another officer. Getting rough – and questioning his loyalties – is the only way to clear his name. Forrest Whitaker and Hugh Laurie round out an all-star cast.

The Scorpion King 2: Rise of a Warrior
In this prequel to The Scorpion King, fans get to learn just how (and why) the boy became the great warrior. Young Mathayus sees his father killed by an evil military commander, then plots his revenge and starts his training. Randy Couture, Jeremy Crutchley, and Andreas Wisniewski star.

Smart People
Returning from last week, this one stars Dennis Quaid as a cynical professor and recent widower. But there’s no time for sadness once he finds a new lady friend (Sarah Jessica Parker) and his adopted brother (Thomas Haden Church) re-enters the picture.

Nim’s Island
It’s an island as big as Nim’s imagination. Abigail Breslin plays a precocious young adventurer who lives on the island with her scientist father (Gerard Butler) and who, through a crazy twist of fate, befriends the reclusive author (Jodie Foster) of her favorite books.

Have you seen a good movie recently? Any family movies that your kids especially loved? Be sure to let us know!

CVS Shopping or Getting Stuff for Free

Wednesday, August 20th, 2008

Yesterday I headed over to WSBT and shared my experience with CVS shopping. I have been working on this for the past three weeks, trying to gather all that I could to show how great CVS is for families and how much you can save with very little effort.

We talked a little bit about charitable giving, so I did want to provide these links for the charitable giving challenges! This is a fun and easy way to give back within your communities.

BeCentsable Charity Challenge
Coupon Cravings Charity Challenge

I hope that everyone can understand how it all works- it is difficult when you have a two minute time limit for discussing an easy (but complex) shopping process!

I also have posted my deals for the week! Enjoy!

CVS Shopping & Savings 08.18.08

Monday, August 18th, 2008

Here is what I decided to purchase from the CVS flier this week-

Transaction #1:

1 Dove SkinVitalizer $9.99, get $3 ECB, used coupon (from this week’s paper or available for printing here) for $3.50 off= $3.49
2 Sunsilk Products (one shampoo or conditioner & one styling aid item), $4.49 each, on sale for BOGO Free, used 2 coupons (from this week’s paper) for $1.50 off one item= $1.40 for two or $.75 each
Then I used the $2 off $10 coupon
Total Spent OOP (out of pocket)= $6.85
Extra Care Bucks Credit– $3
Actual Cost- $3.85

Transaction #2:

Pepsi Products on Sale Buy Four (for $11), Get One Free

3 12-packs of Mt Dew
2 12-packs of Diet Cherry Pepsi
Total Cost= $11
Then I used the $2 off $10 coupon
Total Cost= $9, Total Cost Per 12-Pack= $1.80 each
For this transaction, I also used my ECB from last week’s diapers purchase (and some ECB overage from the previous transaction) and they ended up owning me $.45. I grabbed a 3 Musketeers and we called it pretty much even!

Be sure to check Money Saving Mom this week for other scenarios. She is going to have the links up sometime later this week!

I did two separate transactions, but only made one trip. Do you guys do more than one trip or just ask them to ring it up separately? I just want to be respectful of the employee so I wondered how you guys do it?

Freebie Friday: August 15, 2008

Friday, August 15th, 2008

This was an exciting week for us since we opened up our Notebook Experiments to our readers. To encourage families to work on projects together, I am going to be offering a giveaway on Thursday to anyone who completes their own Notebook Experiment on their blog next week. We will also have another giveaway running for others who don’t blog too so be watching for that!

I am also looking for some guest posts and would like to have a guest poster each Saturday. If you are interested in submitting a post on frugal living, creative/crafty parenting, or organizing, you can email your entries to me at amy@momadvice.com. Please include a bio with a link to your site and (if you would like) a picture of yourself to include.

Thank you to Heather, from Freebies 4 Mom, for helping us with our list this week. Be sure to check Heather’s current list of Walmart freebies to make sure you didn’t miss anything this month! Thanks, Heather!

Freebie Tips from Our Readers:

**One of our loyal readers, Nancy, shared with us that Angie, from Baby Cheapskate, is offering free membership to her amazing Freepeats Program. Thanks for letting us know, Nancy!

“Get absolutely FREE lifetime membership in any of our 25 local Freepeats groups today (8/14) through next Wednesday (8/20). Now is the perfect time to sign up and pass on some of the gently-used toys, books, baby gear, maternity stuff, baby clothes, formula samples, baby coupons, etc. that are taking up space in your house. Posting them on Freepeats is an ever-so-green way to clear the clutter! You can pick up some great FREE baby, kid and maternity items locally through listings you find on Freepeats, too.
Freepeats groups are open in 25 major cities across the country. You’ll find a list of those cities here. If your city has a group, just click here and register. This isn’t a free trial, either. Once you join Freepeats, you’re in for as long as you like.”

**We also got another reader tip, from Monica at The Homepsun Heart, on a free scoop night at Coldstone Creamery. Thank you, Monica!!

I was just reading my newest issue of Country Living and noticed the following:

September 25 The World’s Largest Ice Cream Social – Nationwide From 5-8 p.m., visit your local Cold Stone Creamery for a free scoop. In exchange, the ice cream chain’s hoping you’ll donate to its Make-a-Wish Foundation Fundraiser; coldstonecreamery.com.”

Health & Beauty

Celine Dion Sensational


Food

Mark Your Calendars
August – Lucky’s Spin and Win find event @ Walmart
August thru September – Walgreens Take Care Health Tour
August – Staples Teach Appreciation Day look up the date of your store’s event
August – Ultimate Lunchbox samples @ Walmart
August 16 – Michaels Back-to-School Event: make a beaded key chain 1 to 4 pm
August 23 – Lowe’s Build and Grow Clinic: make a GMC truck 10 to 11 am
September 3 – FTD Good Neighbor Day free flowers
September 27 – National Museum Day

Giveaway: The Laurie Berkner Band Prize Pack

Thursday, August 14th, 2008

Hurry on over to The Mother Loot and get your entry in for The Laurie Berkner Band prize pack. There are all sorts of goodies included and a fun discussion on you & your children’s favorite kid’s music! To enter, you must head here!

You can also find me over at Frugal Hacks this week, sharing about our back to school celebrating. Please chime in if you have any special ways that you celebrate their first day back to school!

Redbox Code 08.11.08

Monday, August 11th, 2008

Today’s free code for a Redbox movie is H3BL13. This code is good for one free movie and you can use it until midnight tonight. Enjoy a free family movie together!

Side Notes:

– If you want to rent more than one movie for free, bring more than one credit/debit card. You can use the same promotional code, you just will need different cards to charge it to. The charge will be zero as long as you return your movie on time for the next day.

– When entering in your free movie code, you need to enter it FIRST before picking the movie. On the very first screen, click the, “Rent with Promo.” Enter in the above code and then make your selection- the amount should then total zero.

CVS Shopping & Savings 08.11.08

Monday, August 11th, 2008

I used to do a lot of CVS shopping, but with a fortress of toothpaste, deodorant, and toothbrushes in my closet, I took the summer off to enjoy the rewards from my past shopping. We were trying to enjoy being home more and saving on gas at the same time so CVS shopping took a backseat this summer.

I have been slowly whittling down my supply though so last week I started picking the shopping back up and am ready to get back in the CVS game again!

Here is what I bought this week and how I saved:

1 Alavert Allergy Tablets- $5.99, get $3 ECB, used printable coupon for $4 off= $1.01 credit
2 CVS SPF 50 Sunscreens- $4.99, on sale for $2.99, two minus $1 coupons (printed from CVS coupon machine in store) & $2 off 1 CVS Beauty Product =1. 98 for two or $.99 each
2 Right Guard Deodorants, $3.29 each, on sale for BOGO Free, $1 off & $.75 coupons in paper= $1.54 for two or $.77 each
2 Colgate Total White Toothpaste- $2.79 each, on sale for BOGO Free, used printable coupon for $1.50 off= $1.29 for two or $.65 each
1 CVS Ibuprofen- $3.19 each, CVS coupon on end of last week’s receipt for a free box= FREE
4 Oxy Daily Wash & Spot Treatment Products- $5.79 each, used $1 off coupon in paper, printable coupons here & here, got $6 ECB ($3 ECB when you buy two)= $8.87 for four or $2.22 each
Then I used the $2 off $10 coupon

After I used my ECB that I had from last week, I ended up paying $2.27 for my purchases & have $9 in ECB for next time. Total savings for this week’s purchases… $57.90!

I plan to head back this week to buy diapers. CVS is running a sale on Huggies Jumbo Packs for $8.99 each. In front of the diapers are $1.00 off coupons in a little SmartSource Coupon Machine so you can take $1 off each package, print out the $2 off $10 coupon, and get $5 back in ECB. Total spent on 3 Jumbo Packs of Huggies $16.97 or $5.66 per pack. Check Baby Cheapskate for a complete list of diaper & formula stock-up opportunities.

Be sure to visit Money Saving Mom for a complete list of ways you can save money on your CVS purchases!

Freebie Friday: August 8, 2008

Friday, August 8th, 2008

I have been thinking about some things and different ways I can interact with each of you more and wanted to run some ideas by all of you.

I was thinking of opening the Notebook Experiments up to everyone so that everyone could link to things that they tried in our notebook entries. Would this be something you guys might be interested in doing or do you just like me doing these solo? I would love to see what you all are creating and what projects have inspired you, so please let me know if you are interested.

I am also looking for some guest posts and would like to have a guest poster each Saturday. If you are interested in submitting a post on frugal living, creative/crafty parenting, or organizing, you can email your entries to me at amy@momadvice.com. Please include a bio with a link to your site and (if you would like) a picture of yourself to include.

I would like to especially thank Heather, from Freebies 4 Mom, for her great list of freebies! Heather also has a great reminder on remembering that coupons are also advertisements. What a great reminder for all consumers! Thank you, Heather, for all you do!

Health & Beauty
Sephora Vanilla Cupcake bath & shower bubbles – birthday treat
Sunsilk – request all 5 samples

Food


General Mills Pssst – new program where you get to try products for free
Kraft Food & Family magazine & free samples
Wendys – get printable coupons by email
Organic Valley Ovie’s Underground – kids club

Entertainment
Family Circle – 2 free issues from StartSampling
Star Wars Clone Wars Pocket Models – enter zip for store near you
LEGO Digital Designer Software – free to download from LEGO
August Horse Print on Ziggity Zoom – high quality print to frame

Home & Garden

Mark Your Calendars
August – September – Walgreens Take Care Health Tour
August – Staples Teach Appreciation Day look up the date of your store’s event
August – Ultimate Lunchbox samples @ Walmart
August 9 – Lowe’s Build and Grow Clinic: make a mini school locker 10 to 11 am
August 16 – Michaels Back-to-School Event: make a beaded key chain 1 to 4 pm
August 23 – Lowe’s Build and Grow Clinic: make a GMC truck 10 to 11 am
September 27 – National Museum Day

Giveaway: Tori Spellings Autograph & Mott’s Goodies

Tuesday, August 5th, 2008

I have been hard at work on updating The Mother Loot with some new reviews:

Disney Music Rocks

Unleashing Our Hidden Rock Star

Method Baby Products

We are also running an AMAZING giveaway this week for a slew of Mott’s for Tots goodies and an autographed play date planning guide from the very famous Tori Spelling. Any former 90210 fans out there? Come on! Wasn’t that one of the best shows on television? I wonder if the new version will be half as good as the original cast. Doubtful!

If you want to be entered in the giveaway, head over to The Mother Loot and get your entry in and read the full contest details. We look forward to sharing more giveaways with you throughout the year. It is one of my favorite things to do on here- truly!