Archive for the ‘Money & Finance’ Category

The Quest to Find Cheap Baby Food

Thursday, June 15th, 2006

My daughter turns six months on the nineteenth and we are preparing to dive back into the world of baby food again. With our son, I prepared all of his baby food from scratch. It was a lot of work, but it was gratifying financially and rewarding to know that we were saving so much money. This time, I am going to try and find cheap baby food and (when I have time) make my own.

I did some calling around and found Beech-Nut baby food to be the cheapest at our local Save-A-Lot store. I understand that the selection is limited, but the price is a little bit cheaper than other locations.

The nice thing too about Save-A-Lot is that they take coupons (unlike Aldi Supermarket) so I can bring in any coupons that I want to on this brand of baby food. I did some checking for coupons on Ebay (a must visit location for any frugal shopper desiring coupons for formula, diapers, or baby food). I found a seller who was offering twenty Beech-Nut baby food coupons- $1 off 6 jars of any variety of Beech Nut Baby Food. The total cost (including shipping of the coupons) was $3.99. According to my (poor) calculations, this means…

120 Jars of Beech-Nut Baby Food (at Save-A-Lot) $39.60

Coupons ($1 off 6 jars purchased from Ebay) – $20.00

Total Cost for 120 Jars of Baby Food $19.60

Cost for Coupons $3.99

Cost Per Jar of Baby Food $0.20

Now according to my calculations- that is a pretty good deal! Beech-Nut also offers a great program (click under Save More When You Save Labels) where you can receive more coupons by sending them your proofs of purchase. They call this their Label Saver program. 48 proofs of purchase from any Beech-Nut Naturals, First Advantage, or Table Time products will give you four coupons for one dollar off of any ten Beech-Nut items. That means that after I make my purchase of 120 jars, I will get an additional eight dollars in coupons for the next round of baby food (plus more proofs of purchase to credit towards the next round of coupons).

Now what is the cost per ounce for homemade baby food versus the Beech-Nut variety that I ran across? Well, there are 2.5 ounces of baby food in each jar. The cost per ounce is $0.08. The estimated cost to make my own baby food is $0.04 per ounce (give or take a penny depending on what food I am trying to prepare). That means if I actually took the time to make the baby food, I could shave fifty percent off of the cost of baby food. That is a lot to save, but it also would require time and effort on my part. My feeling about this is buy the prepackaged baby food, but only buy the items that require more cost to me or require more effort than they would be worth to be made at home. For example, mashing a banana with a fork is much cheaper and less time consuming than buying the prepackaged baby food. More exotic and expensive fruits are more money for me (and many require a little more preparation) then I might be willing to exert so I will probably spend my money towards these items.

If you are searching for more baby deals, Baby Cheapskate is a great blog to visit too! Some of the deals are local to their area, but most are national deals that you can take advantage of. She prices out everything for you and tells you the prices to beat- great site & great web mistress in the baby department.

Don’t forget to scan the baby freebies that I have shared here and here, for additional savings.

Feel free to discuss how you save on baby food or places that you have found in your area to be the cheapest around. Be sure to include your city/state so that people in your area can find the shops that they need to be looking for.

Friday Freebie…Free Donuts (yum, yum!)

Thursday, June 1st, 2006

Here is a freebie worth waiting in line for. Stop by Krispy Kreme on June 2nd (Friday) and get yourself a FREE doughnut of your choice. They are celebrating doughnut day and we are celebrating freebies. Now this is truly a freebie worth celebrating for…Enjoy!

Friday Freebie: Free Money

Thursday, May 25th, 2006

Last week I shared a simple way you can earn free Starbucks Coffee through MyPoints. This week I want to share another great way you can earn a little extra while doing your regular online shopping.

Just last week I ran across Ebates. I have absolutely no idea how I have not run across this site before. This has got to be one of the best deals out there for reward shopping that I have seen yet.

With Ebates they will pay you cash back whenever you shop online (up to 25%). They have tons of stores that I already shop at, including Barnes & Noble, the Gap, and Target. They actually have over 800 places you can shop, so there should be something for everyone in this rewards program.

They also list tons of great coupons, free shipping deals, and sales from these stores so you can stay on top of ways to save even more. You can check them out on Ebates.com or sign up for their weekly newsletter to have them alert you to any new deals.

The best part is they have a sign-up bonus that’ll pay you $5 for joining (this is pending after you make one online purchase). After you sign up and buy something, they’ll put the $5 in your account and include it in your next “Big Fat Check”.

They send out their “Big Fat Check,” every three months as long as you have earned over $5.01. You can receive this money in the form of a check or it can be moved right into your PayPal account. They also offer an opportunity for you to donate your “Big Fat Check” to charity where you can give back to deserving organizations.

The main thing that I really appreciate about this site is that they also have a download that can help alert you when you are shopping. They call him the Moe Money Maker and it just basically has a pop-up that lets you know if you are on a site that could reward you. It will pop up at the bottom of the screen and it gives you the opportunity to link through Ebates to help make sure you get every reward opportunity you can.

I love MyPoints, but the thing that always bums me out with them is that half the time I am shopping and just completely forget to even check there. They also add new stores and deals and I don’t take advantage of them because I am not aware of them.

Take advantage of the free money and the great savings when doing your online shopping. This is not an excuse to shop..I repeat, this is NOT an excuse to shop…But if you need to shop for something- it is there!

Please stop by our poll and share your favorite summertime activity with the kids!

Festival of Frugality #24

Tuesday, May 23rd, 2006

This is my absolute favorite day because I get to share the Festival of Frugality with all of you. The lovely librarian over at Tired But Happy is hosting this week and there are lots of goodies in store for everyone.

My top three picks for this week-

Young and Broke shares some really great tips on finding some super cheap wine. Her favorites just happen to be a few of our own favorites and are definitely worth taking a peek at. I just wish we could take advantage of the wine at Trader Joes, but unfortunately we don’t have a store near us (hopefully someday!). To save more money, check your local warehouse stores for some sweet deals on wine. If you haven’t read the book on warehouse shopping (I refer to it as a book now considering how big that article turned out), I would highly recommend it.

The Family CEO strikes again sharing her own savings site reviews. Lots of great information on how to take advantage of these sites and what they reward their customers with. Check my blog entry on MyPoints too for how I get my coffee for free.

Last but not least, Free Money Finance shares one simple way you can reduce your bills…drop your cable. He shares the savings and shows how the price consistently rises on cable television.

Friday Freebie: Starbucks Coffee

Saturday, May 20th, 2006

If you have been reading my blog at all, you will know that I have an extremely bad coffee addiction. I can’t live without my coffee and my favorite coffee in the world is Starbucks. There is nothing better than their Peppermint Mochas and I swear that I could drink one of these every single day. It is unfortunate that these are over three dollars (for a small!) so I have to find a way to feed the addiction without breaking the bank.

I have been a part of MyPoints forever and last year they started offering Starbucks gift cards in exchange for the points that you earn. MyPoints is basically a website where you can earn points for shopping, taking surveys, and opening emails from their sponsors. These points can then be used towards a gift card of your choice. They offer gift cards to just about anywhere, and these can be used on yourself or can be given as a gift to a family member.

I don’t use the points as an excuse to shop, but I do shop where I can earn points. I do a lot of my holiday shopping through this site and find it neat to be able to shop while working towards a goal of free coffee. I try to aim for gifts that reward you with the most points.

Be sure to sign up to receive their emails because each one you open is worth five points! These points add up quickly and all you have to do is open your email box to receive the points.

I hope you can enjoy a coffee on MyPoints too- gotta love your Freebie Friday!

Tomorrow our poll will be closing- be sure to cast your vote!

Saving On Groceries

Sunday, May 14th, 2006

I just want to thank everyone for taking our grocery budget poll this week. It was really neat to compare what we were all spending each week on groceries. It seems that the majority of folks have been spending $51-100 each week on their groceries. The poll results can be viewed here

Our family currently spends around fifty bucks each week on groceries. There is myself, my husband, son (who is three) and our daughter (who is about five months). We have been eating on fifty bucks a week for the past three years or so and I just assumed that everyone around me spent about the same amount of money. When I would talk grocery budgets with my girlfriends though, I found that the majority of my friends were spending $400 or more a week. This just blew my mind! I am frugal to the core though and knew that the best way to keep my rear end home was to cut back where I could. Budgeting, for me, started with our grocery allowance.

I will share a few of my secrets on how we save money. For those of you who are as frugal as me, you will just be shaking your head and saying you already know all of this stuff. But not so fast, folks! Maybe there is something in my little tip list that you can get something from. Here are just a few of my tips for reducing your grocery budget and helping you make your wallet just a little bit fatter.

1.Meal planning is key to staying on track. You cannot possibly stay within budget unless you go in with a game plan and follow through with it. Can’t think of a meal to eat? Well look here, and here, and here, and here and then tell me if you see a few things that might help you with your menu planning.

2. Along with menu planning, we stretch our bucks to the max by incorporating a few budget-friendly meals into the mix. One night a week we have a breakfast for dinner night. Waffles, pancakes, French toast, oh my! There are so many great breakfast choices to choose from and most of them are extremely budget friendly. Having one night a week dedicated to breakfast can help cut back the grocery bill. Other budget-friendly fares are pizzas (homemade), pasta, hot soups & sandwiches, and many vegetarian meals.

3. If the recipe calls for a pound of meat, try and make it half a pound and see if you can tell a difference. By stretching your meat, you can now make two meals out of one pound of meat versus just one meal for the family. There is also a great tool that I use on Cheap Cooking for figuring the cost per serving on meat. This can also help you when trying to stretch the meat portion of your budget.

4. I only take cash & a calculator with me to the supermarket. Carrying around cash helps to keep me on a budget. When you have your debit card, there just seems to be an endless budget and if you go a teensy bit over…well, so what? You have the money, right? Well, if you are carrying cash and no plastic you absolutely have to stay within your budget constraints. This forces you to not go over and can help you look at your grocery cart in a whole new light. Suddenly those Twinkies aren’t really necessary, if it means you have a little extra money to put towards things you really need.

5. Avoid paper products and it will free up even more of your grocery money. The only paper products I do buy are toilet paper (can’t skimp on that one, in my opinion!) and paper napkins. The paper napkins are used for lunches & for breakfast. I do try and do cloth napkins in the evenings for dinner though just because it helps to stretch the packages of napkins that I do buy. Could I just do all cloth napkins? Sure, but I can’t keep up with laundry as it is so I choose not to be a martyr and just enjoy the paper once in awhile. Paper towels have been replaced with microfiber cloths (which can be purchased inexpensively in the automotive section of Sam’s, Walmart, or Target), old newspaper is used to wipe down my windows, paper plates have been replaced with cheap plastic plates purchased from Walmart, and paper cups were replaced with inexpensive plastic glasses (also purchased at Walmart). In just one area alone, I shaved off ten bucks or so off of my grocery money.

6. Make your own cleaners or purchase them inexpensively at the Dollar Tree. I love Method cleaners, which are sold at Target, but find the price tag a bit too steep. I noticed now that our local dollar store is carrying an off-brand of these cleaners at just a buck a pop. I purchase all of my cleaners there and save tons of money by not buying the name brand varieties at the supermarket.

7. If you have a breadmaker- use it! This is one of those great little inventions that can be every mom’s best friend. You can use this to make delicious breads & pizza dough for a fraction of the price of the bakery section of your grocery store.

8. Don’t waste your precious grocery money on lunch meat. I purchase a turkey (once every two weeks) and roast one of these for our lunch meat. All I do is put the turkey in a roasting pan, sprinkle a little seasoning on it (salt, pepper, & poultry seasoning), dump a can of chicken broth in the bottom of the roasting pan, and cook as directed. We eat half of the meat one week, and the other half goes into the freezer for the following week. Just double bag the meat and put half of a can of chicken broth in with the meat (to keep it moist) and pop it in the freezer. Once you have a turkey sandwich like this, all of that processed lunch meat won’t taste as good and you will never go back. Trust me! I have got all of my girlfriends roasting turkeys now!

9. Learn to make things that you normally buy. Go on AllRecipes and look up your favorite foods and make them at home. Things that I used to buy (lunch meat, granola bars, waffles, etc..) are now made at home for a fraction of the cost.

10. Hit the wholesale clubs, but be wary…just because it is bigger doesn’t make it a better price. Make sure to read my article for the best deals on everything in these shops.

11. Learn how to make a price book and carry it with you. We offer a free sheet that you can print out and keep in your purse to keep the prices of items right at your fingertips. Knowledge is power when grocery shopping.

12. Shop at Aldi or Save a Lot for the best deals in grocery shopping. I shop at Aldi for almost everything! Even shopping for your everyday basics there will shave a considerable amount off of your grocery budget.

13. Walmart price matches on groceries. Bring fliers with you and ask them to match the prices. They will even match Aldi prices with their Walmart Great Value brand products. You can get some great deals by picking the loss leaders and shopping at just one store.

14. Go where they take double coupons or find out if stores offer double coupon days. Some stores offer special discounts on certain days where you can get double or triple on coupons.
15. Understand how to use your coupons and how you can combine them. For example, if you have a Target Coupon on Crest toothpaste, you can use that store coupon AND a Crest toothpaste coupon that you got in your paper. Another way you can use coupons is by putting them towards trial size items. For example, you have a coupon for $1.00 off of Ivory soap. Use your $1.00 Ivory coupon on a $0.80 bar of soap and put that $0.20 towards the rest of your groceries. Know where to print your coupons on the computer and use these too.

Thank you all for taking my poll and feel free to leave comments on ways you save your family money. I have realized that just when I *think* I know everything, I find that I have so much more to learn.

More Baby Freebies

Friday, May 12th, 2006

Friday Freebies!!

This is our second installment of baby goodies. Please be sure to visit the first round of freebies and take this week’s poll on your grocery budget. The results will be discussed at the end of the week!

Pull Ups Success Guide
Fill out the form for a free Pull Ups Success Guide (allow 6-8 weeks for delivery)

Bright Beginnings baby Formula
When you become a member of the Bright Beginnings Customer Club, we will send you valuable Coupon Paks good for savings on our already sensibly-priced formulas and nutritionals.

Charmin Potty Training Kit
The potty training kit includes a storybook, poster, stickers, roll ruler, photo magnet, & potty training diploma. This is a really neat freebie and I highly recommend this if you are potty training. Even if you are not potty training, the stickers are great to keep little hands busy during church service!

Nursery Water
Click Magnet Offer & Coupon Offer to receive this freebie

Preemie Magazine
Free one year subscription to parent’s of preemies

Sunday Poll: Grocery Budgets

Sunday, May 7th, 2006

What is your weekly grocery budget?
$0-20
$21-50
$51-80
$81-100
$101-150
$151 and up
Budget? What is a budget?
  
Free polls from Pollhost.com

Poll Results

Sunday, May 7th, 2006

Our Sunday Poll this past week was about your feelings towards giving your child an allowance. The majority of you agreed that giving your child an allowance helps to teach them money management. You can view the actual results here.

My son is 3 years old and I am thinking of giving him an allowance. I have read so many different views on how to handle the allowance that it has left me throwing my hands up in the air. Some “experts” say that it is best not to link behavior with an allowance, others say to not link chores to an allowance, and some say that it is all about behavior & chores and that is how an allowance is earned.

After doing a lot of reading, I have decided to not link the allowance to behavior & chores. Chores are what one does in a family- it isn’t a pay by the hour gig. Lord knows that if it was an hourly gig, I would be a very rich woman right now. I have started incorporating chores into our son’s routine and bad behavior has always equaled losing privileges. This is how I plan to continue handling this situation.

We will be giving a weekly allowance of $3 to him. This figures that he will get one dollar per year of his age (until it gets too expensive or until he is of a working age).

I have read that it is also important to teach our children the art of money management. A mom in my life, whom I admire very much for her knack at parenting and being an amazing mother, shared with me that each of her children receive three envelopes of money. One envelope for spending, one envelope for saving, and then another for tithing. I thought that was such a good idea particularly because I think a lot of parent’s give their children money, but they never teach them how to manage it. When our children grow up and go out into the world they have absolutely no money management skills. I feel like this is why so many kid’s (myself included) get themselves into so much debt when they get into the real world and are out on their own.

I just wanted to discuss the results and thank everyone for their input. Please be sure to take our poll on Grocery Budgets this week.

Friday Freebie: CheckFree

Friday, April 28th, 2006

CheckFree.com tops my list of favorite free services and I have been using their site to pay my bills for the past three years.

I was excited when I saw that our bank was offering automatic set-up to pay your bills. What a great service! Then, of course, I read the fine-print and realized that THE MAN (you know who the man is, right?) was going to get $10 each month for paying my bills. In case you didn’t know it, I despise “the man” and was looking for a way around these fees.

Guess who comes knocking to my virtual door? CheckFree.com! This is a great website where I can pay and manage all of my bills online for free! I have never had a payment go out late, never had a single problem with them yanking money when they shouldn’t, and I can set the bills up when I want to without them automatically doing it each month (unless you enjoy that feature, which I do not!) They email me to let me know when I have received a bill and send out a reminder to me to pay it. I just don’t know of an easier way to go about paying your bills.

The best part too is that they archive all of your bills for you. When doing your taxes, this turns out to be a wonderful feature. You can look at the past year’s statements online or print them for your records.

Oh, did I mention you save on stamps too? Gotta love that!

Money Spent Today: $.75 (I rented a movie from the library last night. And in case you were wondering, the answer is yes- our library charges for movies! I was surprised until I saw that it looks like Blockbuster over there. It is definitely worth every quarter compared to a movie rental place)

One Way I Save Money: I don’t buy paper plates…like, EVER! Paper plates are a waste of money and I would rather buy my kids some fruit rather than waste it on the plate that they are eating on. Last summer I hit Walmart and got some great everyday plasticware for $2 a plate or less. I bought plastic plates & cups and we use these all of the time. It only takes two seconds to throw these in the dishwasher and they are much more durable. If you can wait until the end of the summer, you can get these on clearance and reap the rewards of not wasting your precious grocery money and scoring a deal on dishes too!

Inspirational Reading Material: The Dollar Stretcher is one of my all-time favorite sites for inspiration when trying to stick to a budget. There is something for everyone on this site and if you find yourself in a financial rut- then read this site! It will provide the kick in the butt that you need to get your finances back in order.

MomAdvice Reading Material: Gearing Up For Summer

On Our Dinner Table: We are going to a friend’s house tonight for dinner. I am supplying the dessert though and am whipping up my husband’s favorite dessert. This is his request in lieu of a fancy (and expensive) birthday cake.

Jewish Coffee Cake
Serves Eight

1 package vanilla instant pudding
1 package yellow cake mix
½ cup oil
4 eggs
1 cup orange juice

Mix these ingredients together and then swirl the following through the cake batter 1/3 c. sugar, 4 t. cinnamon, 4 t. sesame seeds (optional). Bake for 50-60 minutes at 350 degrees in a well-greased and floured bundt pan. Allow cake to cool for 45-60 minutes in pan. Sprinkle with powdered sugar.

Nutritional facts per serving (daily value):
Calories 446kcal
Protein 6g (12%)
Total Fat 23g (35%)
Sat. 3g (14%)
Chol. 93mg (31%)
Carb. 54g (18%)
Fiber 1g (3%)
Sugars 36g
Calcium 141mg (14%)
Iron 1mg (8%)