We Paid Cash: A Delivery and One Week in the Hospital

We paid cash!A testimony from Reelika

Having a baby is always a miracle and a real blessing for entire family. But with all this excitement, huge lists of medical and delivery expenses come, as well.

I was in a hospital already three days before my son was born. I always knew I wanted to have a private family room and not to share the room with three other women and their babies — yes, this is how it is here in Northern Europe. The shared room is covered by health insurance, but the private one is not.

I never knew I’d have to stay in a hospital that long. But due to an emergency c-section it totaled up to a week and the cost of a room was calculated based on the number of days I stayed there.

The total cost of staying one week in a delivery room was almost my full monthly salary. But I paid it fully in cash!

Here is how I did it:

  • I set my mindset earlier that a new life should not start with a debt.
  • I did my homework and found out the potential expenses of a delivery room. I estimated the stay in a hospital up to five days.
  • Once I found out about my pregnancy, I created myself a weekly savings plan for the delivery room.
  • I learned to say “no” to many invitations that would have cost me too much money.
  • I prioritized and focused on things that matter the most.
  • I opened another savings account specifically for the baby and delivery costs. I had a portion of my money automatically transferred from the checking account to the savings each time I got paid.
  • I took advantage of reading many educational books about finances and business as I also majored in.
  • I made some extra income with freelance consulting.
  • I decided to increase my emergency fund. I also went through my closets and sold any clothes I didn’t need anymore.
  • I got used to the new lifestyle of living below my means.

Although I had saved a lot, the delivery room still cost more than I estimated. But since I stayed in a hospital longer due to the emergency c-section, I treated the situation as an emergency as well.

I decided to pull 15% of the delivery costs from my emergency fund and pay the remaining 85% with my savings. Just like that, my delivery and one-week stay at the hospital were paid off with cash!

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Reelika is a working mom, entrepreneur, Christian, philanthropist at heart, financial management lover, travel enthusiast, and baking fanatic. She blogs at Financially Wise On Heels about personal finance and entrepreneurship.

Have you saved up and paid cash for something — large or small? Submit your story for possible publication here.

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Target: Maybelline Great Lash Mascara for $0.66 after coupons & gift card

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There’s a great deal on Maybelline Mascara at Target this week. When you buy 3, you’ll earn a $5 Target gift card. Here’s how to pair that deal with coupons to get an even better deal:

Buy 3 tubes of Maybelline Great Lash Mascara at $3.99 each
Use 2 $2/1 off any Maybelline New York Mascara
Plus, use 1 $1/1 Maybelline New York Product @Target (MQ) printable
Spend $6.97 + tax out of pocket, Get a $5 Target Gift Card
$0.66 each after coupons and gift card

Thanks, Clip Your Cash!

(Note: The links in this post are affiliate links. Read our disclosure policy here.)
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Target: Deals for the week of April 26-May 2, 2015

Here are some of the best deals at Target this week, with thanks to Marcy from Stretching a Buck for her help in compiling them:

Save $5/$15 Food or Beverage purchase Target coupon here

Campbell’s V8 Splash, 64 oz – $1.99
Limit 2; Valid through 5/9
Excludes: V8 Protein and V8 Infused Water
Use $1/1 printable
Stack with 20% OFF Cartwheel.com
$0.59 each after coupons

Seventh Generation Dish Soap – $2.99
Use $1/1 Target Mobile coupon (text OFFERS to 827438)
Use 5% off Cartwheel.com
And use $1/1 printable
$0.89 after coupons (Thanks, For the Mommas!)

Huggies Pull Ups – $7.99-$8.99
Use $2/1 Target printable
And use 5% off Cartwheel
And use $2/1 printable
$3.69 after coupons (Thanks, My Frugal Adventures!)

Skippy Peanut Butter, 15 – 16.3 oz – $2.34
Use $0.55/1 printable
$1.79 each after coupon

Method Foaming Hand Wash, 10 oz – $2.67 
Use $1/1 Shopmium Rebate
$1.67 each after rebate

Garnier Fructis Treatments, Shampoo or Conditioner – $2.78
Get a $5 Target Gift Card wyb 4 participating Garnier Products
Use $2/2 coupon from the 4/12 SmartSource insert
$0.53 each after coupons and with gift card (Thanks, Clip Your Cash!)

Get a $5 Target Gift Card wyb 4 Participating Oral Care items:

Colgate Total Mouthwash, 33.8 oz – $4.99 each
Valid through 5/16
Use 5% OFF Cartwheel.com
Plus use $2/1 coupon from the 4/12 SmartSource insert
$1.74 each after coupons and with gift card

Colgate Optic White Toothpaste, 2 pk – $4.99 each
Valid through 5/16
Use $2/1 coupon from the 4/12 SmartSource insert
Plus use 5% OFF Cartwheel coupon
$1.49 each after coupons and with gift card

Colgate Total Whitening Toothpaste, 2 pk – $4.99 each
Valid through 5/16
Use $0.75/1 printable
Or use $2/1 coupon from the 4/12 SmartSource insert
$1.74 each after coupons and with gift card

See the full list of deals at Target this week here.

Find

Did you find a great deal at Target? Just post about it on your blog and leave your link below. To make it easy for everyone to navigate quickly through the links, your link must link directly to your Target deals post. Links going to the homepage of your blog or any other part of your blog besides the direct link to your Target deals post will be deleted.

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Free Hamilton-Beach Programmable Slow Cooker (after rebate)

Free Programmable Slow Cooker after rebate

Top Cash Back is offering a $26 rebate on the Hamilton Beach Ensemble Programmable 5-Quart Slow Cooker right now — which will make it completely free after rebate. This is for new Top Cash Back members only. If you are already member, you are allowed to sign up another adult in your household.

Here’s how to get the $26 rebate:

1. Sign up for a new Top Cash Back account here.

2. Head here for the special KMart offer page and click through to Kmart to purchase.

Free Programmable Slow Cooker after rebate

3. Order a Hamilton Beach Ensemble Programmable 5-Quart Slow Cooker originally priced at $36.99 but to $24. Choose in-store pickup and shipping will be free. Very important note: Do not order anything else or the deal will not be valid.

4. Within 14 days of picking up your Slow Cooker from KMart, your Top Cash Back account will be credited with $26 — enough to cover the slow cooker purchase plus an applicable tax.

5. After you receive the $26 payment in your Top Cash Back account, you can choose to transfer it to your savings account or request a Paypal payment.

This offer is only valid through April 28, 2015 — or while supplies last.

(Note: The links in this post are affiliate links. Read our disclosure policy here.)
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I rarely do this, but I’m wholeheartedly endorsing this…

Ultimate Homemaking Bundle

The past few days, I’ve talked about the Ultimate Homemaking Bundle and told you about some of the resources and why I think it would be beneficial for your family.

Some of you have been hesitant about purchasing and you’ve emailed in or commented with questions. It makes me so happy that you are carefully considering your purchasing and not just jumping in and buying something because it seems like a good deal.

I am here to help you spend your money in the wisest manner possible. I turn down many opportunities on a daily basis to promote things because I only want to promote the best of the best here.

If you are not in a financial place to purchase the Ultimate Homemaking Bundle, will you do me a huge favor and just skip this post? The last thing I want to do is to encourage you to buy something that you can’t afford.

Why I’m Endorsing the Ultimate Homemaking Bundle

For the rest of you, though, I want you to carefully consider whether purchasing the Ultimate Homemaking Bundle is a good deal for you.

As I told you earlier this week, I am very careful about what I promote here and turn down thousands and thousands of dollars in paid opportunities each year because I want to pick and choose only the very best stuff to promote here. And I believe with all my heart that the Ultimate Homemaking Bundle is worthy of being on my “very best stuff” list.

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I want to share 9 reasons why I can rubber-stamp this deal and stand behind it:

1. It Will Teach You How to Cut Your Grocery Bill

Most people think that feeding your family healthfully is going to mean you have to majorly increase your grocery bill. But that doesn’t have to be the case. With resources like the Frugal Real Food Meal Plans, Happy Mom, Healthy Family Meal Planning Workshop + Cookbook, and Grocery University, you’ll learn practical ways to feed your family well — without breaking the bank!

Value: These resources by themselves are regularly priced at more than the cost of the entire bundle. So even if these are the only three books you read/courses you take, it will have been worth buying the bundle. Plus, the tricks and tips you learn for saving money on wholesome food will likely end up paying for the bundle in savings over and over again!

Free Craftsy Class

2. It Will Help You Learn a New Skill (FREE Craftsy Class of your choice!)

I feel like there’s so much value in constantly learned and growing as a person. I don’t ever want to become stagnant. And that’s why I’m always trying new things, reading new books, and attempting to learn new skills.

So, I have to be honest: One of the things I was most excited about when it came to this bundle was the FREE Craftsy Class of your choice — up to an $80 value! There are classes on Cake Decorating, Food & Cooking, Gardening, Knitting, Paper Crafts, Photography, Sewing, and much more.

Free Craftsy Class of Your Choice

I ordered one of the digital photography classes as this is an area I really want to improve in. I have glanced through the online class and been very impressed with what I see so far and I can’t WAIT to dive into it.

Value: With the Craftsy class, you can learn a new skill or improve in a skill you already know — from the comfort of your own home on your own time table. You might end up turning this skill into a part-time business or just use it as a way to bless others or refuel your own tank. Whatever you end up doing with the skills you learn from the online class, I have to say that I think this is one of the best bonus offers of this bundle!

3. It Will Give You Step-by-Step Help to Feed Your Family Better

Do you want to help your family eat better and feel better but you’re just overwhelmed by all of the information out there? The Ultimate Homemaking Bundle comes with hands-on help ebooks like the Your Grace-Filled Journey to Real Food, Supermarket Ninjas, and Supercharged Food for Kids.

Value: These 3 resources mentioned are (again!) worth more separately than you’ll pay for the entire bundle. And the money you could potentially save on doctor’s visits and medication could be substantial. But not only that, think of the gift you’ll be giving your family by helping them live healthier lives!

Free Healthy Moving Class

4. It Will Inspire You to Exercise & Take Better Care of Yourself

Do you wish you could find a to follow through with all your great intentions when it comes to exercise and taking care of yourself? The Homemaking Bundle comes with a FREE $80 credit to the online Healthy Moving Class — a class designed to help you restore your natural physical alignment and take better care of yourself.

But that’s not all! It also comes with two high-value courses — The Healthy Home (a $95 value) and A Parent’s Guide to Natural Remedies (a $99 value). Both of these courses will help you find ways to have healthier homes and healthier lives.

Value: These two natural living courses and the Healthy Moving Online Class are regularly priced at $260 total — that’s almost a tenth of the cost of the entire bundle! So even if you only use one of these three things and that is the only resource from the entire bundle that you use, it will be worth paying $29.97 just for that one resource!

5. It Will Help You Cut Your Monthly Budget & Save More

Wish you could have some hands-on help to cut your budget and put more money in savings? Help is here! The Ultimate Homemaking Bundle offers multiple books and courses, including the 21 Day Savings Challenge, Become a Frugalista: Money-Saving Secrets for the Frugal Family Manager, Build a Budget that Works, and How To Save Money: A 21-Day Challenge To Save $500/Month that will walk you step-by-step though how to use your finances more wisely and put more money in the bank.

Value: Spend $29.97 to learn how to save a few hundred dollars per month? That’s what I call a deal! {Note: some of you really amazing frugal folks might already be doing everything outlined in these books… if so, you can always request a full refund — see below.}

6. It Will Give You Practical Advice for Earning Money From Home

I receive many emails from women wanting to find a way to earn an income from home. I also receive many emails from moms who have a home business and are struggling with figuring out how to juggle everything.

The good news? This course has ebooks to help you with both. How to Blog for Profit (Without Selling Your Soul) is one of the BEST blogging books out there and I can’t recommend it highly enough, How to be a Work at Home Mom will give you some very practical ideas on how to set up a successful business, and How She Does It will help you figure out how to actually balance and juggle working, homemaking, and being a wife and mom.

Value: These three resources may be some of the most valuable resources in the whole bundle. Why? Because they might teach you ways to earn 5-10 times what you spent on the bundle — every. single. month. Now that’s what I call a good return on your investment!

Free Scarves When You Purchase the Ultimate Homemaking Bundle

7. It Will Save You Money on Gifts For Others

One of my very favorite things about the Healthy Living Bundle is that you are allowed to gift any resources or bonuses you don’t plan on using or reading. Yes, you read that right! So if you only are interested in 10 of the ebooks, 2 of the courses, and 2 of the bonuses, you can give all the others away!

You could use these as gifts for a friend’s birthday or an upcoming special occasion. You could split them up as gifts for multiple friends. Or, you could just share them as a way to bless someone who is interested in healthy living.

The bonuses would especially make great gifts! When you purchase the bundle, you’ll get a FREE $15 Credit to Hope Ink PLUS 2 FREE 8×10 Art Prints, a FREE Kids Discovery Box from Green Kid Crafts (note: this is a subscription offer so you’ll need to cancel after you receive the first shipment!), a FREE Stylish Spring Scarf from Deborah & Co., and a FREE book of your choice from Tyndale Rewards.

Value: If you used three of the bonuses/ebooks as gifts for friends for upcoming occasions, that could pay for the cost of the bundle itself — because you wouldn’t need to spend any money (but the cost of shipping) on gifts for those three occasions!

Free 90-Day Menu Planning Subscription

8. It Will Give You New Recipes & Help You With Menu Planning!

If you are looking for recipes, encouragement, or inspiration for how to cook, bake, freezer cook, and menu plan when you have food allergies or you’d just love some menu-planning inspiration, this bundle is bursting with help!

You’ll find a plethora of ideas in the ebooks like No Cook Freezer Meals, Gluten Free & Grain Free Breads, Batters, and Doughs, The Healthy Breakfast Book, Treat Yourself: Real Food Desserts, 7 Simple Steps to Better Grain-Free Baking, Gluten Free Aldi Meal Plan, and more!

Plus, this bundle comes with a FREE 90-day subscription to the She Plans Dinner Menu Planning service.

Value: You won’t have to scratch your head and throw up your hands in despair wondering what you’re going to cook or bake. These ebooks will come alongside you and help you to feel like you can do this! You’ll find new recipes to cook, freezer meals to make, and lots of tried and true gluten-free recipes!

9. It’s a Risk-Free Purchase With a Money-Back Guarantee!

If you are still sitting on the fence right now wondering whether or not you should take the plunge and buy the Ultimate Homemaking Bundle, here’s why you should: it’s a risk-free purchase.

That’s right! There’s a 100% money-back guarantee on it for up to 30 days! So if you purchase it and then decide it’s not as helpful as you’d hoped or that it’s not worth the price you paid, you can get a full refund — no questions asked.

So what are you waiting for? Click below to purchase your Ultimate Homemaking Bundle while there’s still time!

P.S. Remember, this offer ends tonight (April 27, 2015) at midnight! Get it while you can!

(Note: The links in this post are affiliate links. Read our disclosure policy here.)
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