Money-Saving Ideas

New cashback offers on Jingit

by Crystal on May 18, 2013

There are some new Jingit offers to check out:

$0.25 cash back when you purchase ANY bread at a participating retailer (Target and CVS came up when I clicked it)

$0.25 cash back when you purchase ANY Hot Dogs at a participating retailer (idea: combine with new $0.75 off Ball Park Lean hot dogs coupon to get a great deal!)

$0.25 cash back when you purchase ANY Ketchup at a participating retailer

$0.25 cash back when you purchase any Lysol Disinfectant Wipes at Target

$0.25 cash back when you purchase Any Paper Towels at a participating retailer

$0.25 cash back when you purchase Any Potato Chips at a participating retailer

$0.25 cash back when you purchase Any box of Trash Bags at participating retailers

$0.25 cash back when you purchase Any Fabric Softener at participating retailers

$0.75 cash back when you purchase Wisk Deep Clean at Target, CVS, or Publix

$1.00 cash back when you purchase a RC TEN 12-Pack, Sunkist TEN 12-pack, Canada Dry 12-Pack, A&W TEN 12-Pack, or 7-Up TEN pack (these are a specific stores as well-so be sure to check first).

$1.00 cash back when you purchase 4- 2 Liters of TEN calorie Beverage (Canada Dry, A&W, 7-UP, Sunkist, or RC)

If you’re new to Jingit, check out this post to see how it works.

Thanks, Our Coupon Adventures!


Every week in 2013, I’m sharing a different way you can save $100 this year. If you do all of these things, you’ll be able to save over $5,000 this year alone! Many of these things will likely be things you’re already doing, but hopefully all of you will pick up at least a few new ideas or some inspiration from this series.

You can save at least 20% off the price of many staple products by buying them in bulk. If you’re going to be using the bulk amount of something over the course of a year and it can be stored for a long period of time, you might as well purchase it in quantity at a discount, right?

Where To Find Bulk Deals

There are many places to check for bulk deals, here are a few of the best places to look:

1. Warehouse stores

This is sort of the default, but it’s worth mentioning. I save around $27 per year by buying yeast from Sam’s Club instead of at the grocery store. However, I don’t find it is worth it to pay for the membership. Instead, I just go in on the get in free days that they have a few times per year.

Be aware that not all warehouse packages are a good deal. In fact, many times, you’ll pay more per ounce for buying the large package than you’d pay if you bought multiple smaller packages when they are on a great sale at the grocery store.

2. Local farms

You can often purchase large quantities of produce seconds for great prices from local farms (check LocalHarvest.org to see if there are farms near you that sell to the public). And if you like high-quality meat, you’re almost always going to save at least $1 per pound by buying it in bulk.

If you don’t have freezer space for large amounts of meat or products, consider splitting a bulk order with a few friends. That way, you all get the discount, but none of you have to buy a new freezer to store it in!

3. Azure Standard or Other Health Food Co-ops

If you grind your own wheat or eat a lot of oats, rice, beans, or other staple ingredients, check into the prices of nearby health food co-ops or Azure Standard.

3. Health food stores and grocery stores

If don’t find great sources for buying in bulk from health food co-ops and Azure Standard doesn’t deliver to your area, check and see if your health food stores or grocery stores would give you a discount for buying in bulk. It never hurts to ask!

You might also just buy in bulk by practicing the Buy Ahead principle — buying multiples of items at your grocery store when they are at their rock-bottom prices!

What To Buy in Bulk

What you should buy in bulk will vary from family to family. I recommend looking at what you already purchase a lot of that has a long shelf life or would keep in the freezer for six months and see if you can find sources for purchasing it in quantities at a discount.

These will usually be things like grains, beans, canned goods, and meat. But it could also include other items like toilet paper, diapers, or cleaning supplies.

When Not to Buy In Bulk

You can save a lot of money by buying in bulk, but there are a few pitfalls you want to be aware of:

1. Don’t buy things you won’t use up in time

There’s no point in buying a big bulk package of something if you’re just going to end up throwing it out because it goes bad. Kind of like my cappuccino mix. Ahem. :)

If you want to buy a big bulk purchase but you’re not sure you’ll use it all up, see if a friend or two will split the order with you.

2. Don’t buy things you don’t already know that you love.

If you aren’t 100% sure your family loves it, don’t buy a bunch of it. Because no matter how inexpensive it was, if you’re not going to use it, it wasn’t a good deal for you.

3. Don’t store your bulk items carelessly.

If you buy grains, make sure you store them properly and check them often. The last thing you want to do is find your big bag of oats is bug-infested!

And do not make the $614 mistake we did and buy a bunch of grass-fed meat from a local farm, stick it in your freezer in the garage, and then leave town for two weeks. That is a lesson we hope we never have to learn again!

Do you buy in bulk? If so, what do you buy and where do you but it from?

photo credit; photo credit; photo credit

My husband and I have been trying to live as cheaply as possible, and almost every article I read on the subject recommends cutting back. What can I cut back on when I don’t feel like I have anything to spend?

We don’t watch tv, don’t pay for internet, and don’t rent movies. We can’t afford to eat out, and the only dates we go on are funded by a change jar. The debt we have is his college loans, which are over $31k. The interest rate is 6.8%, which means we aren’t seeming to get anywhere on it.

We don’t buy new clothes, or get our hair done. His mom feeds us as often as she can, and we don’t need to buy much milk, meat or eggs. What more is there to cut back on? -Ambrosia

When I read your note, my heart hurt for you. I well remember the law school days when money was tighter than tight and it felt like we were never going to make any financial traction.

It’s hard when you feel like there aren’t any other corners you can cut and yet you are still stuck. Here’s my advice:

1. Focus on the Progress You Are Making

There is always something you can do — even if it’s as simple as learning a new way to stretch beans and rice, playing the drugstore game, or taking surveys online to earn money. Often, you can’t do a lot to change your financial situation overnight, but focus on what you can do and it will help you stay empowered and inspired.

Giving into hopelessness and despair will never get you anywhere, but it will make you feel powerless and stuck. And when you decide to give up, your chances of actually getting back up on your feet again are pretty slim.

Also, be encouraged! Your sacrifices and careful money management are actually doing quite a lot for you as they are keeping you from getting mired in a much deeper financial mess. While $31,000 in debt feels massive to you, many people would love to be in your shoes instead of dealing with the hundreds of thousands of dollars in debt they’ve accumulated.

2. Keep Cultivating Contentment

Now, more than ever, you have the opportunity to choose to bloom where you are planted. Challenge yourself to keep a gratitude journal and write down at least three blessings every day. This will help you to weather the difficult days and weeks — and will remind you that even though life may be hard, there is much to be thankful for.

Looking for more encouragement and inspiration? Check out my article on 16 Ways to Become More Content.

3. Find Ways to Increase Your Income

The easiest way to dig out of this hole you find yourself in is to give yourself a bigger income to help shovel yourself out more quickly. This will benefit you not only in the short-term, but also in the long-term as it may allow you to completely change your financial situation within the next five years.

This is exactly what happened with us. When Jesse was in law school, we were determined to stay out of debt and I really wanted to be a stay-at-home mom. So when we found out we were expecting our first baby, I kicked into overdrive and started researching and trying everything possible to make my dream of staying home a reality.

It wasn’t easy — in fact, there were many months when I worked too many hours and made very, very little for all my time and effort. But it eventually paid off in great measure as I landed upon this thing called blogging, started MoneySavingMom.com and eventually turned it into a business that earned enough for me to make more than a full-time income and to pay for a wonderful team to work for me, too.

Read the whole series of my journey to becoming a work-at-home mom here.

There are a thousand and one ways to bring in extra income. Start researching, experimenting, learning, and putting forth a lot of time and effort and you’ll likely land upon something that works well for you. It won’t be an overnight success, but if you persevere, I’m certain you’ll find some things that will bring in extra income.

What advice do the rest of you have for Ambrosia and others in her shoes?

photo from Big Stock


Every week in 2013, I’m sharing a different way you can save $100 this year. If you do all of these things, you’ll be able to save over $5,000 this year alone! Many of these things will likely be things you’re already doing, but hopefully all of you will pick up at least a few new ideas or some inspiration from this series.

I’m going to be stepping on some toes here today… but I guess since I recently temporarily stopped drinking coffee and stopped eating gluten and sugar, I can commiserate with those of you who are addicted to soda pop (or pop, or soda, or carbonated beverage, or whatever it is that you call it in your part of the country!)?

Think How Much You Could Save

Drinking soda pop is addictive and expensive. If you drink one pop per day and you get it on sale with a coupon, that’s still close to $100 spent per year for one person. If you pay for drinks from a restaurant or vending machine and you drink one pop per day, it’s going to be closer to $150 to $250 or more spent in a year for your soda pop habit.

There’s No Real Redeeming Value in Soda Pop

There is almost no redeeming value in soda pop, except that maybe it tastes good and makes you feel good. {Though it does neither for me, but I also basically never drink it — because I’m weird like that! :) } The calories in non-diet drinks can wreak havoc on your weight and the chemicals in the diet drinks can wreak havoc on your health.

So, all that to say, I’d heartily encourage you to consider cutting back on the soda habit — or maybe even get brave and ditch it altogether? Here are a few ideas:

1. Order Water at Restaurants

Drinks are one of the most price-inflated purchases at restaurants. Learn to order water with lemon and you’ll cut calories and costs. Not to mention that water is one of the most healthful things you can drink.

Flavored water from The Yummy Life

2. Replace Your Sodas With Homemade Flavored Water

There are many fun ways to flavor water that are quick & easy, frugal, delicious, and all natural. Check out this tutorial on How to Make Homemade Flavored Water over on The Yummy Life.

Challenge yourself to replace 20% of your usual soda intake with water. Then, gradually work up to 50% and beyond. I can almost guarantee you that you’ll feel more energetic and have more zest for life by drinking more water and less soda. I dare you to at least try. :)

3. Get More Sleep

If you’re turning to caffeinated beverages for your afternoon pick-me-up, there’s a good chance you’re not getting enough sleep at night.

Make yourself go to bed 15-30 minutes earlier each night for a week. If you’re still tired in the afternoons, add another 15-30 minutes for a week. Keep extending your sleep like this until you find the amount of sleep you need to get to feel rested and refreshed all day long.

If you’re a mom who is getting up a lot at night with a baby or child or you work crazy shifts, this might not be an option for you, but most of us could get to bed at least a little earlier if we made some changes to our evening routine, shut the electronics down earlier, and/or just got more disciplined about it.

Have you cut back or ditched the soda habit? What has helped you?

photo from Big Stock


Every week in 2013, I’m sharing a different way you can save $100 this year. If you do all of these things, you’ll be able to save over $5,000 this year alone! Many of these things will likely be things you’re already doing, but hopefully all of you will pick up at least a few new ideas or some inspiration from this series.

We all know that it’s usually much less expensive to grow our own food, than to buy it at the store. But it’s also a lot of work. And time is money, too.

So if you have more time than money right now and you have the space for a big garden, definitely go for it. However, if a big garden is just not feasible, here are a few money-saving options that might work for you:

1. Plant an herb garden.

Fresh herbs are so delicious and nutritious. Best of all, they are easy to plant and care for, too!

Growing up, I had an herb garden for a number of years and loved experimenting with different herbs, different recipes, and different drying techniques. I recommend choosing herbs that you use often in cooking. Otherwise, you’re going to end up with a lot of excess herbs that you might not really have a use for.

Tip: Here’s a quick way to freeze fresh herbs.

2. Only plant a few things.

This might seem like a no-brainer, but I think we often can get ambitious with gardening and then end up biting off more than we can keep up with.

Instead of planting 27 different things, think about what vegetables you use the most and consider just planting your top 3-4 favorites.

Sure, you won’t be able to fix entire meals mostly from your backyard, but if you don’t have to buy lettuce, tomatoes, or onions all summer long, that will help cut down your grocery bill some.

Tip: If you’re short on space, you might also look into Square Foot Gardening.

3. Look into community gardening.

Want to have a big garden, but don’t have the space or hours of time to devote to it? Consider starting or participating in a community garden.

These are all run differently, but basically it’s just a group of people who all go in together and work together to plant and take care of a garden — and then split the produce that grows.

This might be something you could do with extended family or a few neighbors or friends. Or, you could see if your community already has a community garden project that you could participate in.


4. Have your children plant their own gardens and then pay them for the produce.

Growing up, one of our favorite things about summer was planting our own little garden plots. It never seemed like work and I loved watching my plants grow and produce.

If you have children who will have free time this summer, this might be something to consider. And you can offer to pay them a dime or some similar small amount for every item they grow.

This can be a win-win situation: you get to enjoy garden fresh produce for much less than what you usually pay for it at the store, your kids stay busy, and they have a way to earn money, too!

5. Barter with someone who plants a garden.

If you don’t have any space or desire to plant a garden, another option for inexpensive produce is to barter with friends who have big gardens. Maybe you bake bread for them, or babysit, or mow their grass, or fix their appliance (or whatever your skills are) in exchange for their extra garden produce. I’ve also heard that many people find free garden produce offers on Craigslist and Freecycle.

More Gardening Articles:

Do you plant a garden? Why or why not?

photo credit #1, photo credit #2

I would love to hear your thoughts on balancing “snatching up a good deal” versus “impulse buying”. I feel like there are often time-limited sales or good deals that come up, but if I haven’t budgeted or planned to spend that money I have to pass them by or else spend money I really shouldn’t be spending. -Anna

I think this is such an important topic to bring up — because we must have balance in our lives. It’s wonderful to get great deals and bargains, but I think we need to set clear criteria for what constitutes a true “deal”. Otherwise, we can spend a lot of time and money needlessly chasing down supposed bargains that really aren’t a good deal for us at all.

Here are five things that we’ve set up as a criteria for making sure we’re not overspending and that a good deal truly is a great deal for us:

1. Create and Follow a Budget

Without a budget, we won’t have any way to track whether we are truly saving money. In fact, without a budget, we might be spending more money by chasing down sales and bargains.

Sticking with a cash budget has been so helpful to me — especially because I’m not a spreadsheet nerd. I know that the money that I have in the envelope is what I have to spend. And when the money’s gone, the money’s gone. Cash provides instant self-discipline and guarantees that you don’t spend more than you have.

2. Budget for Everything

We have fairly specific cash envelope categories and find that this really helps us to stay on track. For instance, instead of just having a “clothing” budget, we have individual cash envelopes for each person in our family. We don’t just have a Food cash envelope. We have a Groceries envelope and a Dates & Eating Out envelope.

In addition, we budget for everything — from hair cuts and clothing to homeschooling supplies, gifts, and car maintenance. Everything we regularly spend money on (even if it’s just an annual purchase that we routinely make) has a category in our master budget spreadsheet (I’m so thankful that a married a math nerd who loves to create and track things on spreadsheets!)

On those rare occasions that a necessary purchase arises that we haven’t budgeted for, we either have to find a way to shuffle things around in a few categories to be able to afford it, we don’t buy it, or it comes out of our blow cash envelope.

3. Analyze Every Purchase

Because I have a limited supply of cash to work with in each envelope, this forces me to evaluate every purchase and make sure I’m getting the best deal. I’m constantly asking myself questions like, “Do we need this?” “Is this the best use of this envelope money?”

Note: I think that you can get to a point where you over-analyze purchases — like I did with my candle purchase. If you’re agonizing for 30 minutes over a $0.50 purchase, you may need to lighten up a little bit. :)

4. Don’t Buy Something Just Because It’s a “Good Deal”

What’s a good deal for someone else won’t necessarily be a good deal for you. This is an important thing to constantly remember. If you don’t have the money for it, it’s not a good deal for you. If you don’t need it, it’s not a good deal for you.

If you feel panicky because you’re missing out on a “good deal”, that’s probably a sign that you need to step back and re-evaluate things. It’s great to get good deals and I’m all about stewarding our money well, but I think we need to be careful that we don’t become obsessed. Life is about a whole lot more than getting the best bargain.

5. Take a Break From Bargain Shopping on Occasion

It’s good to occasionally to just shelve your coupons and maybe even take a break from reading blogs that share bargains. I do this at least once or twice a year — and I find it really freeing!

Taking a breather will help you get some fresh perspective and help make sure that you’re staying balanced in life. And it also usually causes you to be re-energized and excited when you come back to bargain shopping again!

I’d love to hear your thoughts on this topic! Weigh in on this in the comments!

photo from BigStock

How to Organize a Clothes Swap Meet

by Crystal on April 23, 2013

Becky from Organizing Made Fun has a great post up on how she organized a Ladies’ Clothing Swap. She has lots of pictures and details on what worked if you’d like to do something similar.

We do this at least once or twice a year as a church and it’s a great way to clean out our houses and get some items we need — for FREE!

Have you ever been a part of a swap of some kind? I’d love to hear your ideas and what did or didn’t work for you!

Every Monday in 2013, I’ll be sharing a different way you can save $100 this year. If you do all of these things, you’ll be able to save over $5,000 this year alone! Many of these things will likely be things you’re already doing, but hopefully all of you will pick up at least a few new ideas or some inspiration from this series.
This post by MaryEllen from last year was so good and helpful that I wanted to re-air it this week as yard sale season is starting to gear up again…

Guest post by MaryEllen at The Deal Scoop

The reader tip on stockpiling clothes is something our family has already been using to save an incredible amount of money each year. As I read through the comments on the post, I noticed some readers’ concerns.

There were some readers who don’t think they could find good enough deals at yard sales to make stockpiling clothing worth their while. Some felt that all they can find at yard sales is junk and that they would rather buy clearance items at the stores. Then there were those who admitted that they aren’t organized enough to know what they need and don’t need.

Here are a few tips on how to get the best prices at yard sales and how our family has been able to make stockpiling clothing work for us:

On Friday night, check your local paper or Craigslist.org ads for Saturday’s yard sales.

(Or if you live an area with a lot of Friday sales, check on Thursday night. Go whenever is best for the area in which you live.) Most people will list some specific items that they will be selling. Mark the ones that specifically have kids’ clothing listing and skip the rest. In my family’s experience, you will barely have time to make it to just those yard sales, and there is no sense wasting time and gas going to yard sales that don’t have what you’re looking for.

Plan your route ahead of time.

If you need directions to certain places, be sure you have them all printed out the night before so you can go from place to place quickly and use gas efficiently. The more gas you use, the more those yard sale clothes will cost you!

Go as early as possible in the morning.

Many people think there is only junk to be found at yard sales, but a lot of times that’s because there are high-quality items to be had for nearly pennies. The first ones at the yard sales find all the best stuff before it’s gone!

Set a target price and don’t be afraid to make deals in order to hit it.

This is probably the most crucial part to the whole game of stockpiling clothing, and I’ll be the first to admit that my husband is more skilled at it than I am. Our family’s personal target is $0.25 per clothing item, $1 for a pair of shoes and up to $1 for nice dresses for our daughter. That may seem like quite an ambitious goal, but my husband has proven to me that it is quite doable. Here’s what I’ve learned by watching him:

::If a seller has high quality items and is asking 50 cents each, pick out three things and ask if they will take $1 for all three. Nine times out of ten, they will. Although that is $0.33 per item and not the target $0.25, you can average it out later.

::Ask the seller if they will consider a bag special. If there are a good number of items in which you are interested, ask the seller if they will allow you to fill a shopping bag for a certain price. If they will sell you a bag of clothing for $3 to $5, you should be able to hit your target price. (This is especially true when you’re buying smaller sizes because you can fit more pieces into the bag.)

If they charge $5, you’ll need to fit at least 20 pieces into the bag in order to hit $0.25 an item. (It’s amazing how many pieces will go in when they’re folded neatly!) If they charge $3, you need to fit at least 12 pieces in the bag in order to hit your target.

Then, there are always the sellers who surprise you by saying, “Sure, fill a bag for $1!” It happens, and those are the times that help you bring your average back down to the target price when you’ve paid a little more for something you really like.

::If a seller is asking $1 for a pair of shoes, ask if they’ll take $0.50. The worst they can say is “no”, and if they say “yes”, you’ve just brought your average price per item down. If they’re asking $2, ask if they’ll take $1. Then you can get the shoes at your target price.

Skip the junk.

Don’t buy something just because it happens to be your target price. If you don’t like it or it’s worn out, skip it. You’ll find something else later.

Buy only classic styles and colors.

Remember, by the time your children wear the clothes you find, it may be a couple years down the road. Trendy things go out of style very quickly and you’ll end up not using them and wasting your money.

Keep a detailed list of what you have and what you need.

I don’t think it makes sense to buy another pair of pants, even if they are only $0.25, if our son already has enough pairs in that size. On the other hand, if the end of yard sale season is approaching and we see that he still needs pants for the upcoming winter, we can up our target price for that item. I’d rather pay $0.50 or $0.75 for the pants instead of waiting until we get out the winter clothes only to find out we have to run to Walmart and buy a couple pairs at full price.

Spreadsheet Tip:

Our family uses two spreadsheets, one for boy clothes and one for girl clothes. Each spreadsheet includes every size from birth through several sizes beyond what our children currently wear.

There are categories for every different item, such as play shirts, shorts, dress pants, dress shirts, etc. We also include every size of shoes.

Every time we come home from yard sales we immediately wash everything and add it to the spreadsheet. The next time we find something at our target price we can check to see if we already have enough of that item in that particular size. We keep a copy of our spreadsheets on the computer, and carry a printed copy with us to the yard sales.

Properly organize all the clothes you have stockpiled.

It’s no fun to know you have clothes available when your child has a growth spurt, but you can’t find them anywhere! I like to keep everything in airtight tubs that are labeled by size and gender. I haven’t figured out a better way to do shoes, so everything just gets thrown into either a “boy’s shoes bin” or a “girl’s shoes bin”.

When one of our kids outgrows their shoes, I just look on the spreadsheet to make sure we have the next size for them. Then I can rummage through the bin to get their next size shoe. I love being able to make a trip to the attic when our kids have a growth spurt instead of making an emergency trip to the store!

We Save Over $140 Per Year By Stockpiling Clothing and Shopping at Yard Sales

If you’re still not convinced that stockpiling clothing from yard sales would be worth it to you, here are a couple rough figures of how much money we save this way. Let’s say my little girl needs a minimum of five tops, five bottoms, three Sunday dresses and three pairs of shoes for each season. If we buy the five tops and five bottoms at $0.25, the three Sunday dresses for $1 each, and the three pairs of shoes for $1 each, we end up spending $8.50 for an entire season’s worth of clothing.

If we found some really great sales at Target or Walmart and bought the same amount of clothing for $5 a piece, we would spend $80. So we save at very minimum $71.50 per season, or $143 a year per child.

The more children you have, the more your savings will multiply. Plus, though I have nothing against clothes from Target or Walmart, our children are wearing Children’s Place, OshKosh, Gymboree, and Carter’s clothing instead. Many times the clothes and shoes we find are brand-new with the tags still on.

I do understand that this method of saving on children’s clothing is not going to work for 100% of you due to lack of storage space or because you may live in a rural area with very few yard sales. However, I do hope that those of you who have the means to do so will give some of these tips a try. You may be surprised at how well you can do!

MaryEllen Bream is a stay-at-home mom who is always looking for more ways to stretch her family’s budget. When she’s not playing with her kids or shopping yard sales for their clothes, she can be found sharing deals and money-saving tips on her blog.

photo credit

Homemade Tub & Tile Cleaner

by Crystal on April 10, 2013

I was so, so happy with how this recipe from my friend Ruth (from Living Well, Spending Less) turned out.

It smells wonderfully. It is easy to make. And it works really well.

Just be sure that you mix it up in a larger bowl. You would think I would have learned my lesson about baking soda and vinegar! :)

I realized after mixing it up that I don’t have a funnel.

So I improvised and used my tea pot instead. Hey, it was a little non-conventional, but it worked!

And then I used the spilled cleaner to scrub my clean off my kitchen table.

See more homemade cleaner recipe ideas I’ve tried here.

Head on over to Ruth’s blog to see her incredible post with 10 homemade cleaning recipes that can all be made with just the same 10 ingredients in less than 10 minutes each. She even has a free printable recipes sheet.

A Quick & Easy Method for Freezing Fresh Herbs

by Crystal on April 09, 2013


Ever buy a bunch of cilantro when you only need a small bit for a recipe? Or do you plant an herb garden that always overproduces?

Here’s a very quick & easy way to freeze those fresh herbs for later use:

Wash, remove stems, and chop the herbs.

Put roughly 1/2 to 1 Tablespoon of the chopped herbs into ice cube trays (I didn’t measure; I just plopped some into each cube). Fill the ice cube tray with water and freeze.

Remove cubes and place in an airtight freezer bag for up to two months. To use in recipes, just pull out the necessary amount of cubes and add to your soup, stew, sauce, etc. If need be, thaw first and then add to your recipe.

How simple is that? It’s a great way to preserve fresh herbs — and to not let any go to waste before you have a chance to use them!