Archive for the ‘Money & Finance’ Category

Frugal Hacks: 6 Months Until Christmas

Wednesday, July 9th, 2008

Don’t you hate me already? Six months until Christmas, everyone! It is time to start thinking about ways you can save for the holiday season. On Frugal Hacks, I am sharing some things that we have started doing to get ready for the holiday season so we can stay under budget!

Two years ago, I actually started a Christmas journal and now I have created a Christmas file folder of the things that I want to do for the next year’s holiday. In our little Christmas Memory Journal, I have included the recipes for what dishes our family loved the most, what the children asked for from Santa, what we spent the holidays doing, and tucked inside are the sweet letters and pictures to Santa. Someday I hope to give each of the kids a journal so that they can share those recipes and memories with their own families someday!

My inspiration comes from so many place so I am bookmarking all of the crafts and projects I want to try. My notebook entries are my virtual bookmarks to holiday ideas and have helped me each year with some much needed holiday inspiration.

Here is a round-up of Christmas fun to help inspire you in this July heat!

Christmas Getting & Giving Recap
Christmas With the Clarks (or the Endless Flu Epidemic)
Eve of Christmas Morning Recap
Christmas Morning with the Clarks
Working on My Christmas Countdown
Be A Wrap Superstar: Use What You Have
Be A Wrap Superstar: Wallpaper That Gift, Yo
Be a Wrap Superstar: Tailor Your Gift
The Gift Closet: Wrapping Gifts
Sugar & Spice Nuts
Creating Family Traditions
What to Get the Person Who Has Everything
Making Real Christmas Memories
Holiday Bling Without a Bling Budget
Creating Holiday Traditions
Christmas Drink Mixes
Save More On Your Christmas Shopping
Say Bah, Humbug to Holiday Debt
The Christmas Jar
Bubbly Magnets (for Gifts)
Oreo Biscotti (for Gifts)
Elegant Photo Albums
Painted Children’s Mugs (for Gifts)

How do you organize and keep track of your projects and ideas for the holiday season?

Happiness Is… Haircuts Alfresco

Wednesday, July 9th, 2008

Redbox Code 07.07.08

Monday, July 7th, 2008

Today’s free code for a Redbox movie is FW72JG. 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.

Freebie Friday: July 4, 2008

Friday, July 4th, 2008

Happy Fourth of July to each of you! Please don’t forget to swing by and visit Heather, over at Freebies 4 Mom, who helps make our Freebie Friday so much better. Don’t forget to visit her coupons section before you do your shopping this week. Heather also has an inspirational comment from a reader who is saving so much money by visiting her site. Awesome job, Heather!

Health & Beauty
Huggies Diaper & Wipes (Walmart sample)
Old Spice Body Wash (Walmart sample)

Food

Entertainment

Pull-Ups Potty Training DVD (Kroger sample)
Totlol (online videos for kids)
Cosmopolitan magazine (free 4 issue subscription at StartSampling)
American Baby Magazine
More (celebrating women 40+) magazine (free 10 issue subscription at StartSampling)
Latina or Bassmaster magazines (free subscriptions at lowpricesubs)
10 Things You Should Know About God & Life Book
John Mellencamp 2 Free Downloads (
Enter code LDLF6 and you can download two free singles, “My Sweet Love” and “Longest Days”, from John Mellencamp’s upcoming release, Life, Death, Love and Freedom)
Vanessa Hudgens Bonus Download (Enter code IDENTIFIED)

Home & Garden

Clean Home Journal Summer Gift Pack (Ziploc bags and coupons)

Mark Your Calendars
July 5 – The Home Depot Kids Workshop: Make a bird home 9
am to noon
July 7 – Zaxby’s Free Nibbler Sandwich 2:30 to 4:30 pm
July 11 – Free Slurpee at 7-Eleven
July 12 – Lowe’s Build and Grow Clinic: Make a dune buggy 10 to 11 am
July 26 – Lowe’s Build and Grow Clinic: Make a tabletop tetherball 10 to 11 am
August 2 – The Home Depot Kids Workshop: Make a flag holder 9 am to noon
Summer – SunnyD Road Trip is stopping at Walmart stores this summer

Redbox Code 06.30.08

Monday, June 30th, 2008

Today’s free code for a Redbox movie is W1H6J4. This code is good for one free movie and you can use it until midnight tonight. Enjoy a free family movie together!

I also used the code SUMMER for a movie this weekend. I had to try four or five different codes before I hit the bingo on that one, but it might be worth a try for another movie! Enjoy!

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.

Frugal Hacks & WSBT: Summer Fun & Steamy Confessions

Tuesday, June 24th, 2008

Today on Frugal Hacks you can read my sordid confession on returning to the world of television. Here’s hoping that you will still visit the site when you find out what I have done.

Today our summer activity list makes the cut for WSBT on our segment on, “Fun Summer Activities.” Hat tip to Whatever again for this fabulous idea! You can get a closer look at what we have planned this summer and the frugal family ideas we came up with.

Patio Renovation on a Budget

Tuesday, June 24th, 2008

Longtime readers may remember that we were attempting to redo our backyard patio ourselves. Yeah, we have still been working on it up until this past weekend. Two solid days of back-breaking-cursing-ourselves-for-starting-something-so-stinking-hard-my-wife-won’t-stop-
nagging-me-until-it’s-done-work. Yeah, good times, good times. Don’t you wish you were my spouse about now? Nope! Me either!

First, let’s start with some before pictures and I will share some of our woes and dilemmas with redoing our space.


When we moved into our house, there was a giant tree that was right next to a bricked patio that had been there from the very first owner. That tiny beautiful tree turned into a giant enormous tree that began to uproot the patio, creating an unsafe spot to hang out and was horrible to entertain on.

We paid to have the tree removed and the stump ground. What we did not expect was the difficulty that we would have placing a new patio on this space because the stump was ground, but the roots were still there. And the roots? Yes, those roots were giant trees that were just as difficult to work around as the space. This giant pile of dirt was creating a damper on my outdoor entertaining and my kids loved playing in it…which created a ton of laundry for me.

We ripped out the entire patio except for the very beginning of it because it was all uneven, but many of the bricks were broken and crumbling so we were worried how big we could make our patio if we only had a few bricks to work with.

Lucky for us, Ryan’s family renovated their patio and offered us their bricks so Ryan decided to make a design from their old brick and our old brick to equal a fabulous new patio. We loved the design, but the work was very tedious because the bricks were two different sizes. Basically, it made for difficult and unpleasant work BUT it was practically free except for the labor and the fresh sand.

Now I can tour my yard with a lot less embarrassment. Here was my solution for (with the help of my husband’s hard labor) the giant dirt pile. The root system was axed as much as we could and we leveled the dirt and outlined it with some of our free brick. We covered the dirt with pebble and moved our fire pit to this area. Two chairs were purchased for $29.99 from the Martha Stewart line and two outdoor pillows for $12.99 each (also from the Martha Stewart line at K-Mart) to complete this look. These chairs are wicker, but can fold to be stored in our shed or can be easily moved to the dining area for extra seating. I picture a lot of time in the evenings with my husband in these chairs! Not pictured was a small glass table that I got for drink holding or as an extra spot to put a tray on when dining outside for twenty dollars.

Here is what the bricking looks like on the finished patio. The two bricks made a beautiful design with their different colors. I just love how it turned out and I know my husband is really proud too.
Please ignore the trash can in the corner- we are still cleaning up from all of the hard work. Here is our dining area which has been relocated to the side to create more room on the patio for playing and drawing with our chalk.

The patio set was already owned, but my cushions were showing their age. I did do a deep-cleaning on these and let them enjoy some time in the sun. I didn’t want to spend all my money on cushions so I replaced the back cushions and will replace the bottom cushions next summer. These kept me on budget, but also freshened up the patio set.

Now the kids can play in this instead of the dirt pile. How refreshing! It will certainly save me some time on laundry, but not on floor sweeping.

And now I can nag my husband about moving these, which are leftover brick from our project. I am sure we can think of some things to do with these, but he asked me not to nag him for a few days until he can recover from this project.

That concludes our backyard tour- I can’t wait to hear what you think!

Redbox Code 06.23.08

Monday, June 23rd, 2008

Today’s free code for a Redbox movie is 44KBV9. 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.

Freebie Friday: June 20, 2008

Friday, June 20th, 2008
A big thank you to Heather, from Freebies 4 Mom, for helping us with our freebies today. Heather has been sharing how she scores items for free and has included links to the coupons and deals she took advantage of. Be sure to read her piece on Wal-Mart’s coupon policy!


Health & Beauty
Tena Serenity (Walmart sample)
BornFree Bottles (for babies born on Father’s Day)
Reach Access Flosser

Food
Multigrain Cheerios (Walmart sample)
Vocalpoint (P&G;’s free sampling program)

Entertainment
Disney’s Monsters Inc. – this week’s free movie (ends on Friday evening)
Pets

Pup-Peroni (Walmart sample)

Mark Your Calendars
Summer – SunnyD Road Trip is stopping at Walmart stores this summer
June – Ocean Spray 100% Juice Cranberry and Blueberry sampling at select Walmart stores
June – MaxFactor Lash Lights Tour from 10am to 4pm get a free mini makeover

Finding Beauty in the Ordinary

Tuesday, June 17th, 2008

When we moved into our house, one of the things that I really wanted to change about our house was the landscaping. There were, however, many more pressing concerns though that required our funds and attention- a leaking roof, a monstrosity of an air-conditioner, cosmetic updating that made the space more livable. All of these repairs have trumped the landscaping funds for now and we have been doing things little by little in our yard.

One of the things I have disliked the most though has been one of our side beds. It is filled to the brim with giant ferns. The ferns are enormous and I have to mow through them to cut the grass. I don’t find them all that attractive and they keep popping up in my other beds. Each year I have vowed that I am going to rip them out, but my efforts usually end up on other things and I forget about it…until the ferns pop up the next year.

When we had the original owner out to our house last summer, she commented how pleased she was to see those ferns there. They came from her father’s lake cottage and she brought some back each time she went. Her eyes were misty as she told me how happy she was to see each of those ferns there and she shared with me her happy memories of planting them and the summers with her dad. I began to see the ferns in a different light than I had before. To her, they were a thing of beauty and held wonderful memories of her family’s summers.

Last night I brought bunches of them in and started putting them in recycled single-size coffee jugs. They looked so pretty all fanned out that I started putting them in each room, adding a touch of green here and there. I marveled at how beautiful they were and how they added that little bit of life I needed to my living space.

Frugality is a lot like that though, isn’t it? Sometimes it takes seeing all that you have through another pair of eyes to appreciate all of the bounty you already possess. My yard was filled to the brim with vases of green and all I had to do was pick it from my own backyard. Yet, each year I grumbled about mowing around them, shaking my fist as more ferns popped up.

Sometimes it just takes someone else pointing out the beauty for you to appreciate the ordinary.