48-Hour: Cash Wallet Package from A Time for Everything (6 Winners)

Cash Envelope System

I’ve been so excited about this giveaway. We ran a giveaway for the Divide-It cash envelope system wallet a few months ago and it was one of our most popular giveaways ever. So I’m thrilled to be doing another giveaway with  A Time for Everything — a blog and handmade business run by a husband and wife who are passionate about people living on a budget and becoming and remaining debt-free.

Dave & Melissa Kaiserman started A Time for Everything as a way to have a little extra income for Christmas, vacations, and savings, but grew to become their full-time family business. Melissa does the designing, fabric cutting, and actual sewing, and Dave takes care of the multiple intermediary tasks… and all of the laundry!

Cash Envelope System

Each item they create is Melissa’s original design and the result of both using her own products and gleaning feedback from others who use them. She has seen firsthand that having a pretty wallet to organize cash categories helps keep joy in the discipline of budgeting, so she offers several different styles from very basic to full-feature so that just about anyone can find something that suits her taste, needs, and budget.

In the shop you’ll also find coordinating accessories and products for kids. All products are made from designer laminated cotton which is lightweight yet very durable, CPSIA compliant, and free of BPA, PVC, and phthalates. Plus each item is wipeable on the outside, so sticky little hands won’t do any harm!

MSM fabric choices

Melissa sent me one of these Divide-It Cash Envelope Systems and I have truly loved using it. Not only is it so cute and fun to use, but it’s also very durable. It makes using cash simple and easy! No more messing with ripped or falling apart envelopes!

GET FREE SHIPPING — Through October 30 Only!

Through October 30, 2014, MoneySavingMom.com readers can receive free shipping from A Time for Everything! Click “Apply shop coupon code” at checkout and enter MSMOCT14. (Free shipping applies to domestic orders only, but international customers may leave a note at checkout requesting a refund equal to the shipping amount a U.S. customer would save on that order.)

In addition, anyone who subscribes to AT4E’s newsletter will receive a free download of colorful Christmas spending logs after clicking the confirmation email.

MSM Give Save Spend set

I would also highly recommend checking out the Give, Save, and Spend Wallets for Kids. My kids love these! See more pictures of them here.

Want to know more about A Time for Everything? Check out their website, or follow them on Facebook, Twitter, Pinterest, or Instagram.

MSM Oct 2014 giveaway package

Six readers will each receive the following package of products from A Time for Everything:

To enter to win, just click on the graphic below and type in your name and email address. This giveaway ends Thursday, October 30, at 11:59 pm, CST. Six winners will be chosen and posted next week.

Enter the Giveaway

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How We Saved Today: Cutting hair at home (& share how you saved & you could win a $100 Target gift card!)

Alllume conference

Life has been a little full the past five days — attending the Allume conference (see some of the beauties I got to hang out with above? That was after 1 a.m. and we were still going strong!), spending a lot of quality time with my kiddos and husband on either end of the conference since I always miss them so much when I’m gone, and working with my team mapping out some big projects for 2015.

At any rate, I didn’t get a chance to get a How I Saved post up for a few days and this one isn’t from today, but I am still going to count it. :)

Cutting Hair at Home{I brought home some Scripture tattoos for him from the Allume conference and he wanted to put all of them on so he could be, as he said, “Covered in Scriptures!”}

This is such a simple way to save, but it’s amazing how much it saved. Last week, Silas needed his hair cut. So Jesse got at the little trimmer and buzzed it. It only took him a short while and saved us at least $10-$12! Score!

Last post’s winner of the $25 iTunes gift card was Melinda who said she saved by:

Since I knew I was going to be spending all afternoon at the dentist office with the kids, I went ahead and made chicken and dumplings in the crock pot for dinner in the morning. Planning ahead ensured that we didn’t order take out and spend $60 on dinner. -Melinda

Share How You Saved Today & You Could Win a $100 Target Gift Card

Leave a comment telling us how you saved today. I’ll choose one winner later this week who will win a $100 Target gift card. I can’t wait to hear all the ways you are saving!

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This Week’s $103 Grocery Shopping Trip + Menu Plan for 5

This Week's Grocery Shopping Trip

ALDI Shopping Trip

Bananas — $0.44 per pound — $3.42 (Got $0.25 back from Checkout51.)
2 packages of  Multi-Colored Peppers — $2.49
2 bags of mixed veggies — $0.99 each
Butter — $3.49
3 bags of Gala apples — $2.99 per bag (Got $0.25 back from Checkout51.)
Avocados — $0.99 each
Bag of onions — $0.99
2 cucumbers — $0.49 each
2 boxes of shredded wheat — $1.99 per box
Peanut butter — $1.69

Total with tax — $38.23

Kroger Shopping Trip

2 dozen eggs — $2.99 per dozen
Italian sausage — $4.99
Sliced cheese — $3.49
Travel sized toothpaste — $1
Travel sized body wash — $1.09
Half & Half — $2.69
1 gallon of milk — $2.99
Smoked turkey — $26.63
2 lbs. ground sirloin –5.99 per pound
Total with tax: $65.35

Total for all groceries: $103.58

Menu Plan


Bacon & Eggs or Oatmeal


Sandwiches or Leftovers (We had Protein French Toast and Pumpkin Protein Pancakes for lunch on Sunday.)


Apples with Almond Butter
Pumpkin Pie Smoothies
Healthy Cake in a Mug


Dinner with our small group — We did a salad bar this week and we brought hard boiled eggs, chopped peppers, salad dressing, sunflower seeds, and avocados.
Italian Sausage and Sweet Potatoes
Crockpot Stuffed Peppers
Beef and Cabbage Stir Fry
Sweet Potato Shepherd’s Pie
Dinner Out

What’s on YOUR menu this week? Tell us in the comments!

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How I Saved Today: How we got a 15% discount just for asking!

How I Saved Today

My Sunday afternoon: At Jesse’s softball game, taking time to soak in a beautiful fall day, and enjoying perusing some magazines and reading a little from this thought-provoking book. (So far, I’m disagreeing with some of the premise of the book, but am being inspired to have more quiet in my life and to take time to engage in activities that really fill my soul.)

We had such a wonderful weekend! I was mostly offline — which was a needed change after spending most of the last few weekends completely focused on book-writing.

Jesse took the kids geo-caching for the first time and they loved it. They are already begging to go again! :) If you’ve never tried this fun activity before, they highly recommend it. I can’t wait until I can go with them!

We spend Sunday afternoon at the ball park for Jesse’s softball games. I got in a little reading and soaked up the crisp fall day and wonderful sunny weather!

My How I Saved tip for today is to always ask for a discount. We were shopping for clothes for some of the kids this weekend. As we went to check out, the cashier asked us if we’d like to open up a credit card with the store we were at so we could save 20% off our purchase.

We said no, but then Jesse asked lightheartedly, “Could we still get the discount?”

We expected the cashier to smile and say no. But instead, she said, “Well, I can’t give you 20% off, but I CAN give you 15% off.”

It never hurts to ask for a discount!

How Did YOU Save Today?

Leave a comment on this post telling us how you saved today. Just for fun, I’ll choose one winner and send them a $25 iTunes gift card.

The winner of the Papa John’s gift card was Amber {minimouse216@}

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ALDI Named the Nation’s Low-Price Grocery Store for the Fourth Year in a Row!


As you well know, ALDI is hands down one of my very favorite grocery stores. I’ve sung the praises of ALDI over and over here on my blog.

A few reasons I love ALDI:

  • I love the low prices on staple ingredients — We’ve found that we’ll usually save at least $30 to $40 per week by shopping at ALDI over the regular grocery store. I love that we can consistently get low prices without having to even mess with pairing coupons with sales.
  • I love the simplicity — they only carry one brand/type of item to choose from so it streamlines my grocery shopping.
  • I love the small atmosphere — it’s so quick to get in and out of the store because it’s small. I can grab what I need,
  • I love the no-frills approach — ALDI is all about keeping the main thing, the main thing. There aren’t a lot of bells and whistles, which keeps their overhead costs down significantly and allows them to keep their prices low.
  • I love the produce prices — A 3-pound bag of Gala apples for $1.99? Yes, please! I love that I can count on ALDI to always have at least 2-3 really amazing produce sales each week!


Yes, my love for ALDI runs deep and wide! So I was excited to see that they were named the nation’s low-price grocery store for the fourth year in a row, according to a survey conducted recently.

Here’s the press release:

Batavia, Ill. – August 6, 2014 – Discount grocer ALDI was recognized as the nation’s low-price grocery leader for the fourth year in a row, according to a recent consumer survey* conducted by Market Force Information, Inc., the world’s leading customer intelligence solutions company. When asked to rank the top grocers offering low prices, consumers ranked ALDI ahead of competitors such as Costco, Walmart and Trader Joe’s. Consumers also named ALDI one of the top three favorite grocery store chains in America**.

“It’s no surprise that ALDI continues to be recognized as the low-price grocery leader,” said Jason Hart, president, ALDI. “However, these latest survey findings prove that a growing number of consumers are choosing to shop at ALDI for more than just low prices.”

In addition to remaining the low-price grocery leader, ALDI maintained a top five ranking in the categories of Good Private Label Brands, Accurate Pricing and Tags and Sustainable Environment / Green Policies. ALDI also earned top-five rankings in three new categories: Courteous Staff, Fast Checkout and Nutrition / Health information.

“Our accelerated expansion plan is a testament to the millions of shoppers who have embraced the ALDI approach to offering the highest quality products at the lowest possible prices, in a simple and easy-to-navigate shopping environment,” added Hart. “Consumers are increasingly impressed with the high quality of our food and the fact that we offer a growing number of healthy, organic, gluten-free and better-for-you options, including nearly 70 varieties of fresh produce.”

ALDI announced in December 2013 that it intends to open 650 new stores across the country in the next five years.

This just makes me happy on so many levels. I’m happy that ALDI is receiving the recognition that they deserve for having such great prices. I’m happy that this means more people are saving money. And I’m thrilled that they are opening 650 new stores.

I’m really, really hoping that some of those 650 stores are going to be opened close to some of you who don’t have an ALDI nearby!

Not familiar with ALDI or need more convincing to try shopping there? Read my post on How Shopping At ALDI Saves Us Close to $1,000 Per Year.

Are you a fan of ALDI? Why or why not?

{Note: This post was underwritten by ALDI. All opinions are my own. As you well know, I’m kind of an ALDI groupie so I was more than happy to talk about this recent survey when they approached me about writing this post. :) Read our disclosure policy here.}

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