Festival of Frugality #23

May 16th, 2006

The Festival of Frugality (23rd Edition) is now posted and ready for your viewing pleasure.

My Saving on Groceries blog entry got in (just in time!) for this week’s festival.

This week’s was *seriously* packed with good information. Not that it isn’t every week, but this week it seemed like I got something out of every single entry. My favorites though were Trivial Untruth & Make It- Don’t Waste It.

Trivial Untruth really resonated with me because I could really understand where she was coming from. How many times have I thought it was the cashier’s fault if they don’t ring up my purchases and blame them for my own dishonesty? Her point about what that teaches our children really struck home and I am going to try and be more conscious of that in my daily life. I am a Christian so you would think that this would be a no-brainer, but unfortunately it isn’t. We know I have issues with The Man because I can’t stand for The Man to take my money, but not when it is compromising my honesty & how I appear to my children. I am not going to beat myself up over it, but I am going to be more aware of it!

Make It- Don’t Waste It….well, what’s not to love? Finding new ways to reuse things in our homes is always a great thing with me. I have plenty of stuff to work with over here! I particularly loved her idea of saving the cookie crumbs for ice cream & pudding toppings.

Thanks to Boston Gal’s Open Wallet for hosting another amazing festival. I hope you guys can check out the entries.

Don’t forget to take our poll today too (if you haven’t already). I am inquiring on who has helped influence you the most in your management of money.

Latest Frugal Momma News

May 15th, 2006

Mothers could be drawn out of home by job market
Analysis says highly educated stay-at-home moms are a great match for booming job market…Read More

Tips for Reducing Shipping Costs When Selling Your Stuff
Shipping costs are increasing. As they are one of the key disciplines of being an profitable eBay seller, here are some tips to help you maximize profits…Read More

50-year Mortgage Hits the Market
Lenders have begun offering a half-century home loan as incentive in face of record-high home prices, rising interest rates, report says…Read More

Everything’s Negotiable- Buying a Car
Between financing and haggling over price, buying a new car can be a complicated and daunting process, but it doesn’t have to be…Read More

Lending Kids a Financial Hand
Getting their financial footing can be tough for young adults when first starting out. It’s OK for parents to offer their support — but how much is appropriate? Read More

How to Sell Gymboree on Ebay- The Truth
This is an old post that I ran across on selling clothing on Ebay. I have always wondered how the world of Ebay works. This lovely lady is sharing her Gymboree selling secrets…for free. No e-book, no hidden fees…just the cold hard truth…Read More

Monday WAHM Spotlight

May 15th, 2006

Please be sure to take this week’s poll & read the results from our grocery budget poll.

We would like to congratulate Kassandra Bragg on being chosen as our Monday WAHM for MomAdvice.com. We wish her much success in her business and with her family.If you are interested in being featured, we will be selecting a mom for each Monday of my blog. You can read more and apply. Email confirmations are sent to each mom if they are chosen.

Please remember to do your own research on these companies. If there are obvious red flags on BBB, I do not post them. Check my scam article to find out more about the potential dangers of work-at-home businesses.

Thanks again to Kassandra for being a part of our WAHM Spotlight!

Name: Kassandra Bragg

City/State: Carrollton, TX

Name of Company: Symmetry International

Website Name: http://www.weeklypay123.com

Two or Three Sentences About Your Company:

We are a new division of a 10 year old corporation based in Austin Texas. Presently we are operating in 18 countries, both profitably and debt free and expanding every year. Our executive staff has over 100 years of combined experience both in the field as well as the corporate setting. Most of my team members are in profit within their first 72 hours with my training & coaching.

Two Tips for Moms Trying to Work-At-Home (these tips can be how you stay organized, how to be successful, how to get started- anything that you feel would help someone just starting out):

1. Have a set schedule! Clock in and out just as you would if you were working in a career outside the home. You are a professional! Do your hair and make up, put on some heels and nylons, just as you would outside the home. Doing this will DRAMATICALLY increase your results immediately!

2. Get professionally trained. Set specific goals! Thisis by design, not by default. Be specific, pray daily, tithe, and keep your priorities in order. God first, spouse, children, health, and work. When you take care of these things, GOD will take care of you!

Sunday Poll: Who Taught You To Save?

May 14th, 2006

Who has taught you the most about saving money?
Mother
Father
Husband
Children
Myself
Another family member
A Book (please specify in the comments section)
A Website (please specify in the comments section)
Other (please specify in the comments section)
  
Free polls from Pollhost.com

Saving On Groceries

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.

Happy Mother’s Day

May 13th, 2006

Pictured here are my two precious babies! I am so proud of them and of myself for being able to capture the two of them together.

I wanted to share with you all my Mother’s Day story. I wrote this shortly after having our son and hope that you can enjoy this as much as I enjoyed writing it! I wish all of you a wonderful & joyful Mother’s Day!

Blessings,
Amy

Happy Mother’s Day
By Amy Allen Clark

Isn’t it great that one day out of the year our role as mothers is being celebrated? I look around at all of the advertisements and displays offering special Mother’s Day cards, books, and of course the traditional heart locket and shake my head. It is amazing how a day to celebrate our motherhood has now been turned into a commercial venture instead of a true celebration.

So instead of sending all of my dear friends a card in the mail on this one special day, I salute mothers around the world for all that you do each and every day.

I salute those of you who are bone-tired from being up every night with a sleepless baby and yet still manage to have a smile on your face because you are filled with pride for your new child. I salute the mother who is bone-tired because she stayed up all night not with her child, but instead stayed up trying to get her chores done around the house because she was too busy playing with her child to notice. And I am honored to share the company with the mother who has been up all night with her child who is not wearing a smile on her face and wants to share her night of hell with me over a cup of coffee.

I recognize the mothers who go to work each and every day to help provide for their family as their hearts quietly break when they think of the time they cannot spend with their child. I salute the mother who gave up her career just to know that they will be the ultimate giver of care twenty-four hours a day while their heart silently breaks with longing for the career that they wish they had. And I salute the woman who is happy with her role and doesn’t look back, but straight ahead at the face of their child.

I stand amazed at the mothers with seemingly superhuman powers, conquering their bills, the family laundry, and dinner, all while balancing their beautiful babies on their hip. I bow to the woman who opens her home and heart to her family and friends even when the bill aren’t done, the family laundry is laying in a mountain on their floor, and they have chosen to eat take-out all while balancing their beautiful babies on their hip. And I acknowledge with grace the woman who decides she just can’t do it all and hires someone to help her so that she can get all of these things done while balancing beautiful babies on her hip.

I feel my heart swelling with pride when I see a woman walking in a store with six children in tow, never understanding how they have done it financially or emotionally. My heart fills with joy at the site of a mother with just one child holding hands with complete looks of contentment on each of their faces. And I rejoice when women achieve their much deserved pregnancies after going through numerous miscarriages and complications.

As I shout all of your praises, I look back upon my life before the birth of my child and realize how little I knew. You see, when I became a mother, I understood that I would have to make sacrifices for my child. I knew that I would love them unconditionally and that I would do anything for them…and yet I did not know. I remember as my mother touched my pregnant belly she had said, “You will finally understand how much I loved you,” and I had nodded my head…I did not know. I nodded my head, but I could not feel yet the power of motherhood.

I feel the power now as I am holding my son in my arms filled with a love that only a mother knows. And I know that someday when my son has his own child I will look to him and say, “Now you will know how much I loved you,” and see him nod too, but never really understand until he becomes a parent.

So in honor of each and every mother I praise you- not through a card or through gifts, but through this little crayon drawing that I am sketching for you that simply says, “I love you, mom!”

I raise my glass to mothers everywhere in honor of your motherhood, not on just this commercialized day, but every single day- cheers to us!

****This writing may not be used without the author’s permission****

Saturday Sales & Chewy Granola Bars

May 13th, 2006

Be sure to visit last week’s sales and it is the final day to take our Sunday Poll.

FoodSaver is having a spring sale that can’t be beat! Their Foodsaver Vac 1075 has been marked down from a whopping $129.99 to $69.99. That saves you 60 bucks!

1-800 Contacts has a sale going on how where they are offering $40-80 rebates on all of their top brands of contacts. $50 or over spent will land you free shipping too!

Entertainment Book free! If you reserve yourself a copy of the 2007 book, you can get the 2006 book for free. There are lots of great coupons for all of your dining, shopping, and travel needs. These make a wonderful gift too.

Saturday Snack: I make these every couple of weeks or so. It is a very versatile recipe because you can substitute the chocolate chips for anything you like (dried fruits, peanut butter chips, nuts, etc..). Recently I substituted one cup of the oatmeal for one cup of Rice Krispies and that made the perfect combination for our family. If you like a healthier granola bar, then stick with just the oats. If you are in a pinch, you can substitute the honey with lite corn syrup (equal amounts).

Chewy Granola Bars

4.50 cups oats
1 cup all-purpose flour
1 tsp baking soda
1 tsp vanilla extract
1/3 cup packed brown sugar
2 cups chocolate chips
1/2 cup butter, melted
2/3 cup honey
¼ cup peanut butter (creamy)

Preheat oven to 325 degrees. Lightly grease on 9×13” pan. In a large mixing bowl, mix together all of the ingredients (minus the chocolate chips). Stir in chocolate chips. Press into pan & bake for 18-22 minutes. Let cool for ten minutes, and then cut into bars.

More Baby Freebies

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

Thursday Thirteen

May 11th, 2006

I am jumping on the blog wagon and participating in a little thing called the Thursday Thirteen. Everyone blogs about thirteen things that they would like to share with their readers. This week, I am going to share thirteen things that you may (or may not) know about me & my family. Each week I will choose something different to share on so please visit us next week for another fun installment.

Thirteen Things You Don’t Know About Amy

1. I married my high school sweetheart. We met when he was fifteen (just turning sixteen) and I was seventeen. We dated all through high school, college, and then decided to get hitched after that!
2. I didn’t get my license until I was eighteen years old because I HATE driving. This has never changed and I get a little freaked about driving still. Don’t ask me to back up too far, park anywhere difficult, or make me drive in high traffic areas because I will have a severe panic attack.
3. I have held jobs as a babysitter, cashier, waitress, administrative assistant, & insurance agent. I enjoyed all of them except the administrative assistant because I am not fond of being told what to do. Oh, and that hasn’t changed either!
4. I did tons of theatre and when the kids get older, I plan to return to it. I returned to theatre after we got married, but after I had my first child, it just became too difficult to do. I did my final play when I was five months pregnant with Ethan. Luckily, it was, “The Christmas Carol” and all of the dresses were empire waist so it discreetly camouflaged my little baby bump.
5. I was not good in school…I have never been a scholar. I have poor concentration and don’t like being told what to do (did I already mention that?) I was, however, a social butterfly and phrases like, “she doesn’t listen, but she loves to talk!” always appeared in the comments section of my report card.
6. I have a sister (five years younger than me) and a brother (eight years younger than me). I am close to both of them and love them both to death!
7. I am a TiVo addict. We have a season pass to about eighty different shows and I try to keep up as much as I can. Grey’s Anatomy, Desperate Housewives, American Idol, Nip/Tuck, & 8th & Ocean are my current favorites.
8. I like rap music- um, a lot! Unfortunately, my son is at the age now where he is repeating things so I can’t really listen to it anymore, but I am a huge hip hop fan. I know it doesn’t fit with my persona, but it is true!
9. I love board games especially Scrabble & Upwords. I can kick my husband’s butt in those games! I am a poor loser though so I don’t enjoy playing Monopoly with my husband because I have been known to cry because he is really mean with taking over the properties.
10. When I go to the library, I leave with more books than I will ever read. I leave with the books because I can’t stand someone else having the book so I horde the book at my house so no one else can have it.
11. I love stupid smutty magazines like Star & OK Magazine. These have become my escape from the reality of my life.
12. I once sold Avon- and that didn’t go so well! I was afraid to bother people and was worried that they would be mad that I left them catalogs. I would leave late at night and drop them off after it was dark so no one knew it was me. Then I was scared to take products to people because I wasn’t sure what kind of people they would be. I discovered that I am not good at selling!
13. I love being a mom. I feel like that is exactly what God wanted for me! I may not be good at it all of the time, but I do love it!

Get the Thursday Thirteen code here!

Festival of Frugality #22

May 10th, 2006

I am not new to the world of frugality, but I am new to the Festival of Frugality, which is featured each week on a different blogger’s site. The Festival of Frugality showcases the best blog entries of the week on how we all can learn to save even more money.

I found out about the festival and will get an opportunity to host it on August 22nd. I am looking forward to the opportunity to showcase all of these great blogs in such a fun & unique way.

Clutter2Cash is hosting this week’s Festival of Frugality #22. There are tons of great entries, but my favorite is The Family CEO’s and how she spent $5.26 to save $25. This is a good way to learn how to save even more money on common items that you buy all of the time.

Our Play It Again, Momma! was also featured in this week’s festival. I shared some great ways you can land yourself some free magazines. Be sure to check that reading out too!

Just one more reminder to take our Grocery Budget Poll this week! If you can, please click the comment button and let us know how many people are in your family and the amount that you spend. I am looking forward to sharing on more ways you can save on your grocery budget.

I also wanted to let people know that my One Month of Slow Cooking article is UP!! It contains thirty great recipes (tried and trues only!) and the nutritional information for each of them. It also includes side dish ideas & ways to save more time & money in the kitchen. Slow cookers are a wonderful tool right now so you aren’t stuck indoors cooking. This can be a nice alternative to grilling and you don’t even have to turn your oven on! Be sure to print it out for your shopping this week.