Archive for the ‘Money & Finance’ Category

Freebie Friday: November 16, 2007

Friday, November 16th, 2007


Wow! It is so great to see so much chatting going on and I am so thankful for each of you!! I guess I triggered a nerve with the whole small house rant. It is so neat to see what family size everyone is and the size of the space that they call home. I am also glad to know that I am not the only one who has difficulty keeping up with their space (whatever its size might be!)

Thank you all for sharing and your continued support!! Here are some freebies to start your weekend off right!

Health & Beauty:

Degree for Men

Playtex Personal Cleansing Cloths

Head & Shoulders Dry Scalp Care

Breathe Right Strips

Bodycology Products (free samples link at the top- White Gardenia or Coconut Lime scents)

Try some mystery shampoo (Here’s hoping it’s better than mystery meat!)

Food:

Borders Bookstore one complimentary small beverage.

Starbucks $10 Gift Card (it is available to the first 1,500 sign-ups who request more info from Hyatt- fingers crossed!!)

Entertainment:

Cruising World Magazine

Download a song & donate $1 to world hunger

Schlastic Book, “Germs, Germs, Germs” Use UPC Code: 042000439008. (Note: They were experiencing technical difficulties when I went to fill out the form so this may/may not work!)

Golf Style Magazine (available in certain states)

Wend Magazine

Home & Garden:

Order up to six free samples of Martha Stewart Flooring. You will need to use MSS707 at checkout. Shipping is free!

2008 Betty Crocker Calendar

Burt Bees free packet of wildflower seeds.

Glue Dots (great for crafters!)

Frugal Hacks: Getting Ready for the Holidays

Wednesday, November 14th, 2007

I ran out of hours in the day yesterday, but I wanted to make sure that I posted a link to my entry yesterday on Frugal Hacks. I shared some of the ways that I am trying to get ready for the holidays.

I have lots of things to do on my list. Here are some of the things that I am working on:

1. We need to take a family picture that we can use for our Christmas cards this year. I like to get photo cards from Sam’s Club and I use the sticky labels with the addresses printed on them to save time.
2. For our grandparents, I do a year of pictures for them as a gift of their grandkids. I pick my favorite pictures from the year and get them printed and make each of them a photo album. It was a hit last year and should be a hit again this year.
3. I would like to make all of our Christmas tree decorations this year. I am gathering ideas and materials to make ornaments with the kids this year. I want to do a popcorn garland and make cute decorations for the tree this year.
4. I am hoarding my toilet paper rolls for our Christmas crackers in a drawer for the kids. I got some fun wrapping paper and am saving our Halloween candy to fill them. These will go in the kid’s stockings.
5. I am going to try and get my wrapping done this weekend on the gifts that I have bought. I am done with the kids and finished buying their stocking stuffers last week. I also need to wrap the last of my countdown to Christmas treats. I found the last three days at the dollar tree.
6. I am working on make-ahead goodies for Thanksgiving dinner. I am in charge of the appetizers this year and I am going to make some of the goodies from my list.

There are tons more things to be done, but I am sure it will all come together!

Going Without Prescription Coverage: A Self-Discovery

Wednesday, November 14th, 2007


I debated a long time about whether or not to post this, but I figured it might help someone else out there so I thought I would share my experience.

When my husband started his new job, we started a ninety day lapse in insurance coverage. We have purchased a temporary policy with a high deductible, but we are going without some of the perks that we had with our old policy. One of those perks was a reimbursement program on my prescription drugs.

I do want to begin by saying that the medication I was on was not working for me. I have IBS and I have depression and the drugs that my family physician had me on were not helping me at all. If there was a side effect listed with the medication, I had it. I am one of those people who experiences terrible side effects, which makes me hesitant to ever fool around with a good thing when it comes to my medicine. Unfortunately, since I have had Emily, I have not found that magical sweet spot where I have felt good and we have been bouncing me around on all sorts of medicines and no relief from either ailment. When my stomach medication was pulled by the FDA due to people dying from complications, I threw my hands up in the air and knew that I needed to make a change.

Desperate times call for desperate measures, so I talked with a girlfriend who is a firm believer in homeopathic remedies. My feelings towards these types of treatments have always been disbelief. I will admit it, I have always considered many of these remedies a waste of money. Her sister-in-law has three homeopathic practices and a long line of happy clients, so she said she could ask her some of the things that I could take after I explained everything that I was looking for, what wasn’t working, and so on. I remember thinking that if it sounded too “weird” or “out there” that I would not take them.

Another important element to me was that I was not paying more for my treatment than I was for the prescription drugs. Always the frugal girl, I wanted my treatment to be affordable, but also to feel better.

My friend gave me a list of what she had suggested and none of it was strange or unheard of. For my stomach, one of her recommendations was a cup of hot water with lemon before bed (how frugal is that?) She also had a substitute for my anti-depressant and a few items that would boost my immune system.

I have been doing this for about a month now and I have never felt better in my life. My constant tiredness and that cloudiness that I felt is gone and I am feeling more like myself than I have ever felt before. I am amazed at the difference that I feel and how I react towards my family. I am experiencing no side effects and I see a noticeable difference in myself. I feel like me again and it has been a long time since I have felt that way.

The icing on the cake is the extra $200 that will be sitting in my account each month. My new medicines only cost me $50 each month! What a savings!

If medications aren’t working for you, homeopathic remedies might be worth looking into. My depression and stomach problems were mild, but were having a negative effect on my life. With care from an expert in the homeopathic field, you might be able to relieve yourself of your symptoms and keep a little extra money in your pocket at the same time.

If you do have to take medications though, my articles on going without health insurance and my article on going without prescription coverage might provide some help! I also blogged on treating ailments when you are without coverage or are looking for the cheapest way to treat your sickness.

Sound Off: Have you ever substituted homeopathic remedies for prescription drugs? What are your feelings towards these types of remedies?

WSBT-TV: Paying For The Holidays Without Going Into Debt

Tuesday, November 13th, 2007

Today’s segment for our local news shared ways that you can have a wonderful holiday without going into debt. I shared a few quick tips for online shopping and how to not be afraid to say no to all of the gift exchanges.

This goes along with a post that I wrote last year called, “Holiday Bling Without the Bling Budget.”

Sound Off: How do you stay under budget for the holidays? Have you ever bowed out of a gift exchange because of financial reasons?

Freebie Friday: November 9, 2007

Friday, November 9th, 2007


Today’s segment on the CBS Early Show did not air. I contacted the producer and I got bumped due to a Curious George Toy recall. I think that next time I will just direct everyone to the link when/if they do decide to air the story. I am disappointed, but I guess that gives us some more time to add some more content to the site.

Thank you again for all of your support!

Health & Beauty:

Good Eating Good Living Program from Kraft (Geared towards people suffering from diabetes)

Food/ In the Kitchen:

Hamburger Helper Singles

Reynolds Slow Cooker Liners

Reynolds Parchment Paper


Savory Creations Chicken Broth


Slim-Fast Protein Snack Chews


Entertainment:

Hot Wheels VIP Club

One Year Subscription to Details, Lucky, or Teen Vogue Magazine (You need to sign into your Amazon account to access the freebie- but this is a GOOD one!)

The Economist Magazine

Ringling Bros Circus Tickets (if your baby is one or under)

Florida Travel & Life Magazine

Hallmark Holiday Card

Pet Care:

Greenies Dog Treats (they came out with two new types- Lite & Senior)

WSBT-TV: How to Save Money On Holiday Baking

Tuesday, November 6th, 2007

Today’s topic on my WSBT-TV segment was how to save money on your holiday baking. I am working on an article for our website on this and thought I would share some quick tips for packaging and making your holiday goodies on the cheap.

It was interesting because when I was researching this topic for more information, I couldn’t find any articles or really good tips on this. Hopefully this will be of some interest as the holiday season approaches.

I also wanted to direct your attention to some new additions to The Motherloot. I am trying to catch up since I was behind on reviews so here are some more fun things to look at, in anticipation of the holiday season:

Marshmallow Shooter
Comfy Software Products
Kaboost Booster Seat

I have also added a holiday gift giving category and am adding the things that I think would make good gifts. These are all my own opinions though, but I thought it might be easier for your holiday shopping.

**If you have missed any of the Moms First segments, you can view them all through this link.**

Sound Off: Do you have any great holiday baking tips that have helped you? Do you have any fun packaging you like to use for giving your holiday treats?

Freebie Friday: November 2, 2007

Friday, November 2nd, 2007


I apologize that there are not as many freebies this week. I have a stomach bug, but I wanted to get these up here for everyone.

I hope you all have a wonderful weekend and be sure to check back next week to see our new product review blog, “The Motherloot.”

Health & Beauty:

Digestive Advantage

Kenneth Cole Reaction

Airborne Power Pixies

Baby Phat Golden Goddess Perfume & Shania Starlight Perfume

Home & Garden:

Redwood Creek Vintage Posters


Entertainment:

4 issues of OK! Magazine
(This requires a long survey)

Sound & Vision Magazine

Free Magazine Subscriptions (there is a small list to choose from)

Electronic Gaming Monthly

Pet Care:

Naturals Cat Chow

Frugal Hacks: Movies On a Budget

Tuesday, October 30th, 2007

Today on Frugal Hacks I share some different ways you can watch movies on a budget. I hope you can join me over there and read my post for the week!

We are always looking for new ways to watch movies inexpensively and recently I have become a big fan of just searching for movies using a search function that we have on our DVR. It has been so nice to find holiday movies on television and just tape them for our enjoyment over the weekend.

We also rent a lot of movies from our library because the price is just right for a family on a tight budget! Children’s movies and nonfiction movies are free at our library and all other movies only cost us a quarter a day.

We also happen to live just a mile down the road from a second-run theater and I love to go see movies there. $1 admission can sometimes be even cheaper than renting them from the movie rental store and I get the movie-theater experience for the same price.

Fun & Frugal Adult Halloween Costume Idea

Monday, October 29th, 2007

Sometimes the adults have to dress up for parties too and couple costumes can be so outrageous. While deals can be scored on costumes through eBay or by making your own, many costume sets can cost fifty dollars or more for one night of entertainment. That is where creativity and fun can come into play, as we got the chance to do this year.

Above is my husband’s handsome milkman costume. (Note: I hope you can click on this picture to expand it to see things in more detail. The lighting was not good so I apologize for the lighting in this!) The hat was purchased from a costume shop and originally was intended as a captain’s hat. We took all of the gold roping off of it and made it into a milkman hat. The cost for this was $6.99. I purchased a white shirt for him from Goodwill on half off day which cost me $1.25. The bow tie was made from the ribbon that I had bought from Big Lots this past week for $1.00 per spool.

Although you can’t see it, he also is carrying a small grocery basket from our children’s kitchen set. We filled it with empty coffee bottles to mimic the old school milk bottles.

The kisses on his collar were free and completed his milkman attire!

As a housewife, I just dressed like I always do (in one of my fun aprons), but rolled my hair and made my make-up a little more reflective of the times. I carried one of our daughter’s baby dolls with a little bow tie on it (also from the Big Lots ribbon) that indicated that this was most definitely the milkman’s baby.

This was an adult-only party, but our son wanted to be “fancy” like daddy so we made a little bow tie just for him. He wore it for the duration of the evening and I kept joking that he looked much more like the milkman’s baby than that silly baby doll.

We had a blast and it was fun to play dress-up for one night. We rarely do things like this and it was a real treat to have a night out like this.

Anyone else go to a Halloween Party? What did you dress up as?

MomAdvice Friday: Are You Staying On Track With Groceries?

Friday, October 26th, 2007

Thank you for all of your heartfelt replies and emails about my question last week regarding my son’s “mirror writing.” I am taking all of your advice into consideration and want to know how comforting it is to know that many children get through this with absolutely no problems at all. We will continue to keep practicing and communicating with his teacher.

This week, I wondered how everyone has been doing with their grocery budgets. I know that I am a very disciplined grocery shopper and I have been finding myself going fifty-sixty dollars over my usual grocery amount. I am more in tune with this amount now that I am attempting to only grocery shop once a month (except for milk runs in between).

I am not sure if I am the only one struggling in this department or if different areas are having more difficulties than me. We have a family of four and our monthly grocery amount has been $200 per month. This month, I have went sixty dollars over and we are still eating the same stuff as we always do.

Maybe my grocery dollars aren’t going as far because my son is going through a growth spurt? Maybe it is because my husband has been coming home for lunch more and I feel like we should have a more elaborate lunch with him? Maybe it is just because groceries are too darn expensive?

So..what are your grocery budgets and family size? Have you seen an increase in your grocery budget these past few months? Do you have grocery tips to share for those of us who aren’t doing as well?