Money Saving Mom®

Classic View

Grid View

Shared Aug 20, 2014 comment

Gretchen’s Walgreens Shopping Trip: Spent $6.85 out of pocket for $34 worth of products

Published: by Crystal Paine on August 20, 2014 | This post may contain affiliate links. Read my disclosure policy here.

Walgreens Shopping Trip

Transaction #1

1 Almay Eye Shadow – $5.99 (Buy 1, Get $3 Register Rewards)
Used $4/1 coupon from the 8/10 SmartSource insert

1 Walgreens Perfection Tampons – $1.49 (Buy 1, Get $1.50 Register Rewards)

Total: $3.48, Received $4.50 Register Rewards

Transaction #2

1 Almay Mascara – $5.99 (Buy 1, Get $3 Register Rewards)
Used $4/1 coupon from the 8/10 SmartSource insert

1 (4 pk) Kid’s Plastic Bowls – Marked down to $0.50 (filler item)

Used $1.50 Register Rewards from Transaction #1

Total: $0.99, Received $3 Register Rewards

Transaction #3

We really needed diapers so I decided to use the rest of my Register Rewards to get them inexpensively.

1 Huggies Diapers – $9

2 Wexford Eraser Caps – $0.19 each with in-ad coupon

Used $6 Register Rewards from Transactions #1 & #2

Redeemed 1,000 points (like $1)

Total: $2.38

Total for all transactions before coupons, sales and Register Rewards: $34.14

Total for all transactions after coupons, sales and Register Rewards: $6.85

Shared Aug 20, 2014 comment

We Paid Cash: A New Patio

Published: by Crystal Paine on August 20, 2014 | This post may contain affiliate links. Read my disclosure policy here.

A testimony from Julie from The Family CEO

When we bought our house 13 years ago, one of the things we liked best about it was the patio off the dining room. We loved the shape of the patio, the curved steps leading down to it, and the fact that it allowed us to enjoy our private back yard with a tree line running the length of it.

Fast forward ten years or so, and that same patio was shifting and settling and becoming less and less enjoyable, even a little bit dangerous.

We nursed the patio through another summer or two because we wanted to pay for the improvements in cash. Eventually we had the money to tear out the old patio and put in a new one without using any debt. We kept the same shape of the patio and the curved steps we loved. But we made it larger and including a seating wall and some outdoor lighting.

Now we’re enjoying not only the new patio, but the satisfaction of knowing that it was paid for in cash.

Here’s what helped us pull it off:

1. We’ve paid off a lot of debt.

Getting rid of a couple of car payments, some credit card balances, and a home equity loan in the last five years or so has meant that more of our cash flow each month is ours to keep. In the time leading up to the new patio construction, we were able to add to our savings most months and also set aside a bonus or two, which would have normally been applied to debt.

2. We delayed gratification.

We weren’t able to replace the patio at the first sign of an unsettled brick. We had to live through a few years of settling and even some exposed rebar before we felt ready to take on the expense of replacement.

3. We scaled back our expectations.

Our original plan was to build a deck off the kitchen that wrapped around the house and met up with the new patio off the dining room. We got several bids on that and realized that the cost of doing that – along with an easement complication – meant that plan wasn’t in the cards.

We adjusted our plan to include only the new patio off the dining room, with some terraced steps leading down to the lower part of the yard. It’s not quite what we had envisioned, but it’s still a lovely space. And we may someday do the deck in a scaled back “phase 2”.

Julie is a freelance writer and blogger specializing in personal finance and lifestyle topics. She blogs at The Family CEO.

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

Shared Aug 20, 2014 comment

Does it cost $245,340 to raise a child?

Published: by Crystal Paine on August 20, 2014 | This post may contain affiliate links. Read my disclosure policy here.

I was asked by a news outlet today if I would share some commentary around this recent report from the USDA on how much it costs to raise a child. Here’s the blurb on it from The Boston Globe:

A message for new parents: Get ready for sticker shock.

A child born in 2013 will cost a middle-income American family an average of $245,340 until he or she reaches age 18. And it’s more in the Northeast, roughly $282,480, according to a report out Monday.

The cost does not include college, or expenses if a child lives at home after age 17.

Those costs that are included — food, housing, child care, and education — rose 1.8 percent over the previous year, the Agriculture Department report said. Adjusting for projected inflation, a child born last year could cost a middle-income family an average of $304,480, the report added.

In 1960, the first year the report was issued, a middle-income family could spend about $25,230, equivalent to $198,560 in 2013 dollars, to raise a child. Housing costs are the greatest child-rearing expense, as they were in the 1960s, but current-day costs like child care were negligible back then. Housing expenses made up roughly 30 percent of the total cost of raising a child.

I found the prices fascinating and enjoyed getting to answer some questions on how to cut costs for this particular media piece. (I’ll let you know if and when it goes live — they may or may not use any of my commentary, but regardless, it was a great exercise to think through.)

What do YOU think? Does it cost $245,340 or more to raise a child to age 17? Have you ever calculated how much you’re spending on raising your kids? I’d love to hear your thoughts!

Shared Aug 20, 2014 comment

Rise & Shine Challenge: Day 3

Published: by Crystal Paine on August 20, 2014 | This post may contain affiliate links. Read my disclosure policy here.

Good morning! How’s your morning going so far today? I “slept in” until 5:30 a.m. this morning.

I was in bed by 9:45 p.m., but when my alarm went off at 4:30 a.m. this morning, I could tell an extra hour of sleep would do my body good. Because I’m trying to do a much better job of giving myself grace these days, I set my alarm for 5:30 a.m. and went back to bed. And it felt so good.

Today’s assignment is about getting better sleep. I typically sleep really well. In fact, my husband jokes that it’s basically impossible to wake me up in the middle of the night if a child needs me and that he’s the one who always takes the night shift if a child is sick… which is somewhat accurate — at least the part about me being hard to wake up! 🙂

Unless I have some big something the following day and am feeling anxious or nervous about it, I sleep like a rock most nights. And I feel blessed that sleep is not an issue that I struggle with most of the time, because I know that many people do struggle with it.

That said, since committing to going to bed earlier, I’ve noticed that I’ve struggled to get to sleep at night. So I like the idea of being intentional about winding down at night in order to encourage restful sleep.

As I thought about it more, I realized that I actually do have a pretty solid Evening Routine/Before Bed Ritual — or whatever you want to call it. 🙂

My Current Bedtime Ritual

Here’s how it typically looks for me (note that I don’t always do all of these things, but I usually do most of these in this order):

::Do a quick clean up the kitchen/main living areas of the home — There’s something about waking up to a clean house in the morning that just feels SO good!

::Consult Google Calendar and write a to-do list for the following day.

::Wash face, take out my contacts, take pills/vitamins.

::Snuggle with my kiddos and send them off to bed. (Confession: I sometimes fall asleep right here — and then Jesse has to send them off to bed!)

::Make a cup of soothing tea and slather some essential oils or lotion on my feet.

::Turn off the electronics.

::Climb into bed. Chat with my hubby. Fall asleep.

The biggest thing for me is to start planning to go to bed at least an hour and a half before I actually plan to get in bed. It seems to take me that long to get everything done without feeling like I’m rushing through!

This Morning’s Report

Got up at 5:30 a.m.
Read my Bible and devotional books. Prayed over my day.
Made some coffee, opened my laptop and answered emails & comments.
Scheduled some posts — including this one asking for your input on my book.
Jesse came back from the gym and got Kathrynne up. They made breakfast together, and then she started on her independent work. We decided to let Silas & Kaitlynn sleep in this morning as they both seemed like they could use the extra sleep. 🙂
Finished this post.
And now I’m off exercise and shower, start the laundry, make some breakfast for myself (I’m going to try the Trim Healthy Mama Pancakes this morning), and help the kids with their chores and start in on our homeschooling for the day. We’re getting a later start because I “slept in” but we have a quieter day today so I think it will work out. And here’s to hoping I get in bed by my actual bedtime of 9:00 p.m. tonight!

How has your morning been so far? Do you have a bedtime routine of sorts? If so, what does it look like? If not, what would you LIKE it to look like?

Shared Aug 20, 2014 comment

Would you like to increase your income? {Help me with my next book!}

Published: by Crystal Paine on August 20, 2014 | This post may contain affiliate links. Read my disclosure policy here.

I’m excited to be in the thick of working on my third book right now… and I think some of you are going to be pretty interested in the topic. And I’m spilling the beans today because I’m going to be asking for your help in the writing process this time around.

Well, not exactly your writing help, but in the next few months I’m going to be coming to you all fairly frequently with questions, quick surveys, and requests for you to nominate women for me to profile or interview in my book. You all are an amazing resource and wealth of wisdom and I can’t wait to hear you ideas and suggestions and answers to the questions as I go throughout this writing process!

So, what am I writing on? Well, in a nutshell, I’m writing a book on how women can increase their income and use that income to make an impact while at the same time maintaining a healthy balance of priorities.

I’m really, really, really stoked about this topic. Judging from the many emails I’ve received over the years, it’s something that many you are interested in. Not only that, but because I’m the girl who has made just about every mistake in the book and learned a lot from failure, it’s a topic that resonates so near to my heart.

My goal in this book is to empower you with practical ideas for not only how to start a business or find a creative way to make a part-time income, but to also challenge and inspire you to think how you can make a difference with that income — whether that’s to help your family get in a better financial position, to be able to fund a charity you believe in, to give generously to a cause you’re passionate, or whatever that looks like for you and your family.

What Do You Think?

So, with that said, as I’m still shaping the book’s message, I’d LOVE to hear from you:

Do you want to increase your income? If so, what are your greatest struggles when it comes to trying to increase your income? What do you feel like is holding you back?

Share your answers to these questions in the comments — or shoot me an email (crystal @ moneysavingmom.com) with your thoughts.

WANT TO SAVE $100 FAST?!Join the FREE 14-Day Savings Challenge!

Click here to sign up!

Shared Aug 19, 2014 comment

8 Ways to Use Your Garden Surplus

Published: by Crystal Paine on August 19, 2014 | This post may contain affiliate links. Read my disclosure policy here.

Guest post from of OneThingAlone.com

Are you drowning in produce?

Right about now, vegetable gardens around the country are bringing in their harvest. And if you’re a gardener, you probably have more cucumbers, zucchini, and tomatoes than you know what to do with.

Letting them go to waste is a shame, but exactly how many ways can you cook zucchini before you hear collective groans at the dinner table? With a little creativity, you can both save money and make others happy with your garden surplus:

1. Save it for later.

You don’t have to eat everything now, you know. Many veggies freeze well if blanched first.

Simply drop a handful of veggies (carrots, green beans, peas) into boiling water, boil for 30-60 seconds, and then “shock” them ice water to stop the cooking process. Drain excess water and freeze in zip-lock bags. They should keep until the next harvest and will come in handy mid-winter.

You can also save spices like oregano and basil by placing them in an ice cube tray and covering them in olive oil. Once frozen, you can pop them out and store in a freezer-safe gallon-sized bag.

Fruit can be flash-frozen on a cookie sheet for 15 minutes and then stored in freezer bags for yummy smoothies, muffins, or healthy snacks throughout the year.

2. Make convenience items.

With just a bit of work, raw produce can become the base for many quick dinners. Use tomatoes to make a few batches of pizza sauce, tomato juice, or spaghetti sauce. Peppers can be sliced and bagged with onions for a fajita kit. Berries make delicious jams and great Christmas presents.

Veggies can also be used in lasagna, pre-made pizza toppings, and kebab kits. Simple, healthy, and money-savvy.

3. Bring them to work.

Obviously, not everyone has a vegetable garden in their backyard. While you may be up to your ears in cucumbers, others may have cukes on their shopping list. Be generous with what you have and make someone’s day.

Note: if you leave cabbage in the break room, check to make sure it’s gone by the end of the day so you don’t come back to a stench.

4. Invite friends into your garden.

I love bringing friends into my garden and letting them pick whatever they want for dinner that week. Nothing says friend like free food, right?

I get rid of extra veggies and they get dinner on the table with fresh, local, and organic produce.

5. Make a stir-fry or stew with remnants.

If all you have is a handful of peas or a small bowl of green beans, combine them all together for a quick stir-fry. Or throw them all in a pot, add some onions, seasonings and sausage, and make a stew!

Bonus: you can freeze half of the recipe for a later time when you don’t feel like cooking or when eating out tempts your wallet.

6. Double up and send it out

Whatever you’re cooking, make a double batch and surprise a friend with dinner. Whether it’s a new mama, a friend with sick kiddos, or your new neighbors, everyone can use a cooking-free night.

7. Try a new recipe

Whenever there’s a particular veggie that overproduces, try searching Pinterest for yummy recipes, print them all out, and have them handy to reference when the basket is full.

According to Google, there are 30,000,000 zucchini recipes out there, just waiting for you to give them a try. Who knew that zucchini fries, zucchini tortellini soup, and chocolate zucchini soup could taste so good?

8. “Auction” it online

Everyone likes free. Give your local Facebook friends something to smile about by “auctioning” off your produce surplus to the funniest comment or the most embarrassing mommy moment.

Create your own giveaway and make someone’s day, or offer it in exchange for babysitting, lawn services, or help with a freezer-cooking day. It’s a win-win either way.

With a bit of creativity and effort, your low-hanging veggies can save money, make smiles, and brighten days.

Asheritah is married to her high school sweetheart, Flaviu, and together with their daughter, Carissa, they make their home in Ohio. She blogs at OneThingAlone.com about the One Thing that makes laundry piles and midnight cries worth every second: walking with Jesus.

photo source

Shared Aug 19, 2014 comment

Rise & Shine Challenge: Day 2

Published: by Crystal Paine on August 19, 2014 | This post may contain affiliate links. Read my disclosure policy here.

Good morning… er, not so quite morning. 🙂

I know I’m much later in getting this Rise & Shine Challenge post published than I’d planned to… but I woke up at 4:30 a.m. to my inbox literally exploding with emails from the Grocery University Blowout Sale today. And I’ve just been trying to keep afloat all morning between the emails, texts, and details surrounding that sale.

We had expected the sale to be a success, but you have (once again) far exceeded what we could have ever imagined. You all truly know how to show up in force for a bargain. 🙂

Thank you for spreading the word and sharing in our excitement! You all are the best!

In between all the emails, texts from my team, taking care of the details of the sale, my morning blogging work, laundry, homeschooling Silas, and taking care of the most important priorities who live at my house (!), I haven’t gotten that much else done today. I did get in my morning devotions and a quick exercise session and a shower. But that was about it.

However, I truly cannot envision how chaotic my morning would have been had I not gotten up at 4:30 a.m. Just another reason I need to make this getting up early thing a regular discipline again!

I’m also so grateful for my amazing team — some who got very little sleep last night to make sure everything was in place for the sale this morning (I’m looking at you, Joy!). They’ve worked tirelessly to answer countless emails, fix glitches, and take care of all the little behind-the-scenes things that have to be taken care of to pull off a sale like this with thousands and thousands of orders.

And I’m incredible grateful for my wonderful husband. This morning, after we realized that this sale was going to take a lot more time than we had initial thought (a completely great “problem” to have!), my husband offered to take over the homeschooling of the girls this morning so I could stay “tethered” to my phone and computer for awhile. Yes, that man is the best. He also made me bacon and eggs for breakfast. For the win, I tell you! 🙂

At any rate, I have to say that I LOVED all your comments on yesterday’s Rise & Shine post. You all are so inspirational!

And I wanted to answer each comment individually with a long reply. I still might get a chance to do so… but if I don’t get a chance today, know that I appreciate each one of you so much.

{Want to know the truth? Yesterday flew by between our first day of homeschooling, prepping for the Grocery University sale today, and working on blog/business stuff. We spent the evening with dear friends and didn’t get home until around 8:30 p.m.

After we got home, I was really, really tempted to jump online and spend an hour just responding personally to all of your comments on this post. But then I realized that would be a little counter-productive… you know, to stay up late responding to all your comments on getting up early. Yeah, not so smart.

So instead, I was a good girl and went to bed. Aren’t you proud of me?!? ;)}

Today’s Rise & Shine Challenge Assignment

Today’s assignment is to consider your family’s sleep cycles and see how you can do better.

This is an area we’re really committed to working on, because we developed some not-so-great habits while we were on a few weeks of summer break. And I was the worst culprit of said habits.

So I’m really committed to training my body to start going to bed much earlier. I sleep so much better when I go to bed early. I feel more rested. And I wake up feeling so energized.

This, in turn, makes me much more energetic and productive. Plus, I just feel happier all around.

To help us make going to bed a priority, one thing we did was to set up our fall schedule so all work, school, cleaning, projects, etc. would be wrapped up by 6 p.m. This way, the evenings are free to just be together, hang out with friends, and — most importantly — wind down.

I love the idea of coming up with nightly bedtime rituals that the Rise & Shine Challenge talks about today. What rituals does your family have to help everyone go to sleep earlier and to encourage everyone to sleep well? I’d love to hear any and all your ideas!

This Morning’s Report

Got up at 4:30 a.m.
Checked my phone to find that the Grocery University sale had blown up while I was sleeping!
Answered some urgent emails. Started to read my Bible and devotional books, got an urgent text from Joy on my team asking me to call her. We got that urgent issue taken care of and then I went back to finishing up my Bible reading, reading some devotionals, and praying over my day.
Made some coffee, answered a lot of emails and comments. Did some more urgent blogging work.
Exercised, showered, dressed. Hung out with my family for a bit, handed over my morning homeschooling responsibilities to Jesse since my inbox continued to blow up and he suggested it’d probably be the best option for the day (and he was so right!)
Answered more emails.
Switched the laundry and took the big pile of clean laundry out to the living room couch to fold later today. (I’m still playing catch-up from our 12-day vacation!)
Cleaned out my inbox again. Scheduled some posts.
Taught Silas kindergarten.
Answered more emails and finally finished this post. 🙂

How was your morning? What do you want to change about your family’s sleep cycles (if anything)? What are some of your bedtime rituals?

Shared Aug 19, 2014 comment

Gretchen’s Target Shopping Trip: $41 worth of items for $14!!

Published: by Crystal Paine on August 19, 2014 | This post may contain affiliate links. Read my disclosure policy here.

We are moving to a new house in a just a couple of weeks so I was thrilled to get a few items on sale that we needed for our new home.

3 (10 pk) Room Essentials Hangers – $1 each, used 20% off Cartwheel coupon (no longer available) – $0.80 each after coupon

1 Room Essentials Storage Ottoman – $12 (on sale this week – it is normally $19.99), used 20% off Cartwheel coupon AND 20% off Target mobile coupon (Text Savings1 to 827438) – $7.68 (The Cartwheel coupon is now only 10% off but this is still a great deal. These ottomans are really great quality and very sturdy.)

2 Up & Up Facial Tissue – $1.32 each, used 2 $0.75/1 Target printable AND 5% off Cartwheel coupon – $0.54 each after coupons

2 Suave Naturals Shampoo – $0.89 each, used 2 $0.50/1 coupon from the 7/27 RedPlum insert AND $1/2 Target mobile coupon (Text PACKITBACK to 827438) – Free plus overage after coupon

2 GE Halogen Light Bulbs – $5.99 each (These rang up Buy 1 Get 1 50% off), used 2 $2/1 Target printable AND 2 $1/1 printable – $1.49 each after coupons

Total before sales and coupons: $41

Total after sales and coupons: $13.92

Shared Aug 18, 2014 comment

Are you ready to cut your grocery bill?!?

Published: by Crystal Paine on August 18, 2014 | This post may contain affiliate links. Read my disclosure policy here.

Are you tired of spending so much on groceries? Do you wish you could find some step-by-step help to lower your grocery budget?

Then you’ll want to get up bright and early tomorrow morning to take advantage of our Crazy, Can’t Miss Sale on Grocery University that we’re running tomorrow only.

What is Grocery University?

Grocery University is a 2 hour, 19 minute audio course that will teach you everything you need to know about making the most of your grocery budget, regardless of whether you’re new to bargain shopping or have been a super-shopper for years.

This original, in-depth course goes deeper than anything you’ve ever seen before and will have you stretching your grocery budget further than you ever thought possible! It’s produced by my good friend, Carrie Isaac, a mom of five and owner of Springs Bargains.

In this course, Carrie has taken her years of experience teaching live seminars and developed a comprehensive strategy that’s proven to reduce your grocery budget. Carrie produced this course in 2010 and sold it successfully to thousands of people.

When I found out that Carrie was planning to discontinue selling Grocery University because her plate was too full, I approached her and asked if we could buy the rights to the course. We’ve been working on tweaking and updating the course over the past few months and it’s finally ready to be re-launched.

Don’t Miss Our Crazy Sale Tomorrow Only!

You won’t want to miss the re-launch TOMORROW. Trust me, the crazy, special, you-won’t-want-to-miss sale starts bright and early tomorrow morning and it’s worth getting up early for.

Why? Well, because the early bird truly gets rewarded:

5 a.m. CT – we’ll kick things off with the low, low price of $2.97
8 a.m. CT – price goes up to $3.97
11 a.m. CT – price goes up to $4.97
2 p.m. CT – price goes up to $5.97
5 p.m. – price goes up to $6.97
8 p.m. – price goes up to $7.97
11 p.m. – price goes up to $8.97

See, I told you that you wouldn’t want to miss out! 🙂

To get in on this deal, head over to GroceryUniversity.com tomorrow for this crazy Re-Launch Day Special Pricing!

These prices will only be valid tomorrow during the times listed.

P.S. If you want to share about this deal on your blog or on your Twitter, Pinterest, Instagram, or Facebook account, sign up to get your referral link here. You’ll earn 60% of all sales of this course made through your link tomorrow!

Shared Aug 18, 2014 comment

Increase Your Income and Build Relationships By Renting Out Part of Your Home

Published: by Crystal Paine on August 18, 2014 | This post may contain affiliate links. Read my disclosure policy here.

Guest post from Lisa Joy of Eclectic

A few years ago, we moved from a tiny condo into a split-level home. We loved our new floor plan and knew we could expand to fill it — but we didn’t have to. We had an extra bedroom, bathroom, and kitchen downstairs; and since we didn’t want to waste that space, finding a renter seemed like the logical thing to do.

For the record, you don’t need an extra kitchen to have a renter. My parents, who are entering the empty-nest stage, have invited a local college girl to live in a spare bedroom upstairs. They have also remodeled part of their walk-out basement to be a small apartment.

Having a renter in your home can expand your family’s relationships while increasing your monthly income. Also, income earned from a renter has the added benefits of often being tax-free (you’ll want to research this as you do your taxes), and requires no continual work hours.

If you live in a home with a little extra space, or if you could consolidate to make that space, having a renter may be a good option for you as well. Here are a few things to think about if this is a path you would like to pursue:

Find the Right Fit

A renter can be a nightmare if it’s not a good fit for your family, but a good fit can be a huge blessing. We are just about to welcome our third renter into our home. All three have been single, Christian women who have just completed their undergrad degree.

To find them, we advertised through two local colleges. We make it clear that we are a small Christian family with young children. We will only accept females who are willing to keep quiet hours and respect our property.

We ask each prospective renter for three references, and we do a background check. We also ask them to come visit our home and share a meal with us, so that they can see the place and so that we can get a feel for their personality.

Set Clear Boundaries

I’m a private, introverted person, and having a renter only works because we have clear boundaries. Both we and our renters sign a lease agreement before they move in.

The lease agreement includes specification of what space belongs to whom. Some space belongs to us, and the renter is not allowed to enter without invitation.

Some space belongs to our renter, and we are not allowed to enter except in case of emergency. Some space is shared.

Because we have a split-level home, the entire upstairs is our private space, so I can wear my pajamas around without having to worry. Not like I would, you know, but just in case! 😉

We ask our renters to get a post office box, so we’re not sharing a mailbox. We also specify where our renter should park their car.

If you share a kitchen or bathroom, you can specify things like which cupboard or fridge/freezer shelf belongs to your renters. You can specify when your renter does laundry. We also make rules about the number of guests allowed, and ask our renters to get permission for overnight guests.

Our lease agreement includes basics like a security deposit to cover any damages, and a deadline when rent is due each month. And because we have small children, we set quiet hours from 8 p.m. to 8 a.m.

Clear boundaries upfront protect both you and your renter, and help you find someone with a quiet lifestyle who will respect your privacy.

Enjoy A Mutual Blessing

I remember being a single woman just out of college, and it was challenging. Finding housing that is both affordable and safe can be difficult. Adjusting to a new area can be lonely.

Many single women welcome the opportunity to live with a family. In some cases, you may find that you are not just a landlord, but a friend.

A renter can also be a blessing to YOU. We hire our renter not only for baby-sitting, but also for getting mail and watering plants when we are out of town.

We occasionally invite our renter up for a meal and last winter we visited together when we were snowed in. Our children consider them almost like adopted aunts.

I had some initial misgivings, and of course there’s been a little inconvenience, but ultimately having a renter has been so worth it. I’m grateful for the opportunity to increase our monthly income, and to reach out at the same time.

Lisa Joy is a disciple of Christ, living in the Shenandoah Valley with her husband, son, and daughter, teaching part-time, fostering, homemaking, and blogging a little around the edges at Eclectic.

photo source

OVER-SPENDING EVERY SINGLE MONTH?Grab these FREE Budgeting Sheets!

Click here to download!

Shared Aug 18, 2014 comment

Rise & Shine Challenge: Day 1

Published: by Crystal Paine on August 18, 2014 | This post may contain affiliate links. Read my disclosure policy here.

Good Monday morning!

Our new fall homeschool/work schedule begins today… and I’m really happy with the schedule Jesse and I worked out together. Now, I just have to commit to being faithful and disciplined to get up early for it to work. 🙂

I had originally landed on 5:30 a.m. as my wake up time. But then, we looked at the schedule as a whole, talked about our goals, and realized we needed to bump things earlier in order for Kathrynne to have her school done in time to make it to her afternoon swim practice.

In addition to that, Jesse had already committed to be up by 5 a.m. four mornings each week — three for his early-morning workout time with a group of guys here and one for his early-morning Men’s Group meeting with guys from our church.

So, we decided to just bite the bullet and set 4:30 a.m. as our wake-up time. Yes, I know, we might be a wee bit crazy. Or a lot more than a wee bit crazy. 🙂

However, I’m in the middle of writing my third book and this will allow me enough time to have two blogging/writing blocks of time per day (one in the early morning before the kids get up, one in the afternoon after my homeschooling time with the kids is done and Jesse takes over the homeschooling/afternoon activities).

Plus, this will also allow me to have some good one-on-one time teaching/working with each of the kids and some relaxed and laid-back family time/time to hang out with friends in the late afternoon/evenings — both things that are big priorities in my life right now.

This all sounds good and well on paper, but we’ll see how it actually shakes out in real-life. 🙂 I believe the number one key will be my own personal discipline to actually go to bed by 9 p.m. every night. I haven’t been doing so hot with my bedtimes recently, so that’s for sure going to be my biggest challenge.

Which is why I’m so glad I committed to blog about this 10-day Rise & Shine Challenge from The Abundant Mama. Folks, I need this.

I need the swift kick in the behind to get back to being much more intentional about my mornings. And to make early rising a habit again.

Today’s Rise & Shine Challenge Assignment

Today’s assignment was to consider what your ideal morning would feel like, how it would flow, and what sounds you would want to hear.

For me, an ideal morning starts early. Yes, maybe as early as 4:30 a.m. 😉

It involves spending time in God’s Word and prayer first thing. Drinking coffee. Exercising. Showering and getting dressed in something that makes me feel great. Doing a little cleaning. And then attacking my morning computer work, emails, and blogging with energy and efficiency.

My ideal morning is getting up at least a few hours before my kids do and taking some time to prepare my heart and self for the day plus getting all the morning business work out of the way before my kids even wake up. I know that’s not always possible, but that is what ideal looks like for me.

As far as sounds go… probably the most important sound would be the sound of quiet. 🙂 Second on there would be the sound of appliances running — washer/dryer and dishwasher. And maybe a little bit of upbeat music in my headphones for part of the morning. But mostly quiet. Have I mentioned that I relish quiet?? 🙂

This Morning’s Report

Got up at 4:30 a.m.
Read my Bible, prayed, read a chapter from a devotional book and a few devotions from two other books.
Took a short 10-minute cat-nap because I couldn’t keep my eyes open (I’m all about keeping it real!)
Felt more energized (it’s amazing what a short nap can do!) Made some iced coffee.
Exercised, showered, dressed.
Switched the laundry and took the big pile of clean laundry out to the living room couch to fold later this morning.
Cleaned out my inbox. Scheduled some posts. Then wrote this post. All before 7:30 a.m. Woot!!

How has your morning been so far? How does an ideal morning look like for you?

Shared Aug 16, 2014 comment

Brigette’s $46 Grocery Shopping Trip and Weekly Menu Plan

Published: by Brigette on August 16, 2014 | This post may contain affiliate links. Read my disclosure policy here.

We got back from a wonderful vacation with extended family last Saturday, and my husband made an emergency trip to Aldi for a few basic perishables to hold us over until Monday when I could go grocery shopping. I was just SO happy to have survived the long road trip with 4 littles (and multiple stops for carsickness, a diaper explosion, and a 4-hr flat tire incident) that I forgot to snap a picture or save the receipt. He spent around $20 and bought milk, eggs, frozen vegetables, romaine, fruit, and frozen chicken breasts.

Harris Teeter

I bag Organic Limes, reduced – $1.00

1 bag Peaches and Nectarines, reduced to $0.59/lb – $1.67

1 bag Oranges, reduced – $1.00

1 bag Avocados, reduced – $1.00

1 16-oz container Mushrooms, reduced – $1.00

1 bag Apples, reduced to $0.59/lb – $1.30

2 Annie’s Bunny Grahams (@$1.99 each) – $3.98, used 2 $0.75/1 Annie’s printable (doubled) – $0.49/each after coupons

2 bags Food Should Taste Good Tortilla Chip (B1G1 @ $3.59) – $3.59, used 2 $0.75/1 printable (doubled) – $0.59/2 after coupons

2 Vidal Sassoon Shampoo – $4.98, used $3/2 Vidal Sassoon Shampoo or Conditioner, exp. 8/31/14 (P&G 07/27/14), plus $3.00/2 Harris Teeter evic – $1.02 MM after coupons

Total after Sales, Tax and Coupons: $8.87

Walmart

2 5-lb bags Flour ($1.68 each) – $3.36

1 lb Ground Pork – $2.37

1 Onion Powder – $3.00 (this is what it my receipt shows, but this seems high for this brand!)

1 Hunts Ketchup – $1.00

2 pkgs Salad Mix (price-matched Aldi) – $0.59/each

1 Cucumber (price-matched Aldi) – $0.39

2-lb bag Red Onions (price-matched Aldi) – $0.89

2 bags Baby Carrots (price-matched Aldi) – $0.69/each

2 pkgs Grape Tomatoes (price-matched Aldi) – $0.99/each

Total: $15.55

Harris Teeter (Super Doubles #1 Trip)

2 Pantene Hairspray ($4.00 each) – $8.00, used $2.00/1 Pantene printable (doubled), plus $3.00/2 Harris Teeter evic – $3.00 MM after coupons

1 40-ct box Truvia – $4.45, used $2/1 printable (doubled), plus $0.55/1 Harris Teeter evic – $0.10 MM after coupons

1 box Multigrain Cheerios – $2.50, used $0.75/1 Multigrain Cheerios printable (doubled), plus $0.75/1 Harris Teeter evic, plus $0.75/1 Saving Star – $0.50 MM after all coupons and rebates

1 box Trix Cereal – $2.50, used $0.85/1 Trix printable (doubled), plus $0.75/1 Harris Teeter evic, plus $0.75/1 Trix Saving Star – $0.70 MM after coupons

2 cartons Breyers Ice Cream – $5.14, used 2 $1.50/1 printable, NLA (doubled) – FREE after coupons

2 pouches Starkist Tuna – $2.50, used $0.75/2 Starkist pouches printable (doubled), plus $1.00/2 Harris Teeter evic – FREE after coupons

6 Vintage Seltzer Waters (B1G1 @ $0.95) – $2.85/6, used $1.50/6 printable (doubled) – FREE after coupons

3 Naked Coconut Waters ($1.99/each) – $5.97, used 3 $1.00/1 printable (doubled) – FREE after coupons

1 Axe Deodorant – $3.99, used $1.00/1 Axe printable (doubled), plus $2.00/1 Harris Teeter evic – FREE after coupons

2 pkgs Bird’s Eye Recipe Ready Vegetables ($1.67 each) – $3.34, used 2 $1.00/1 printable (doubled) – FREE after coupons

2 pkgs Hillshire Farms American Craft Sausage (B1G1 @ $5.99) – $5.99, used 2 $1.00/1 Hillshire Farms printable (doubled), plus $1.00/1 Harris Teeter evic – $0.99/2 after coupons

2 Chex Mix – $2.79, used $0.50/2 Chex Mix printable (doubled), plus $0.50/2 Harris Teeter evic, plus $0.50/2 Saving Star – $0.79/2 after all coupons and rebates

1 bag Pampers Diapers – $8.99, used $1.50/1 printable (doubled), plus $2/1 Harris Teeter evic – $3.99 after coupons

1 Arm and Hammer Toothpaste – $2.50, used $0.75/1 Arm & Hammer Toothpaste or Whitening Booster, exp. 9/30/14 (SS 07/27/14 #2), plus $0.75/1 Harris Teeter evic – $0.25 after coupons

Total after Sales, Tax, and Coupons: $0.88, plus receive $2.00 Saving Star rebate

Harris Teeter (Super Doubles Trip #2)

3 Cesar Top Sirloin dog foods (I will find a friend with a dog who can use these) – $2.10/3, used $1.00/3 printable (doubled), plus $1.00/3 Harris Teeter evic – $0.90 MM after coupons

1 Tampax Pearl Tampons – $5.19, used $2/1 Tampax Pearl or Radiant Tampon, exp. 8/31/14 (P&G 07/27/14) (doubled), plus $2/1 Harris Teeter evic – $0.81 MM after coupons

3 Laughing Cow Cheeses (B1G1 @ $3.99) – $5.99, used 3 $1.00/1 printable (doubled), plus submit for $1.00 Ibotta rebate – $1.00 MM after coupons

1 16-ct box Lipton Tea Bags – $1.50, used $0.60/1 Lipton Tea Bags, K-Cups, Tea & Honey or Iced Tea Mix Product, exp. 8/24/14 (RP 07/27/14 #2 R) (doubled), plus $0.60/1 Harris Teeter evic – $0.10 MM after coupons

6 Vintage Seltzer Waters (B1G1 @ $0.95) – $2.85/6, used $1.50/6 printable (doubled) – FREE after coupons

3 Illy Issimo Iced Coffee ($3.99 each) – $11.97, used 3 $2/1 Illy printable (doubled) – FREE after coupons

1 L.A. Looks hair gel – $1.50, used $0.75/1 printable (doubled) – FREE after coupons

1 Apple Cinnamon Cheerios – $2.50, used $1.00/1 Apple Cinnamon Cheerios coupon cut from back of a Cheerios box (doubled) – $0.50 after coupons

2 6-pk Zevia Sodas ($5.99 each) – $11.98, used 2 $2/1 Zevia printable (doubled), plus $2/2 Harris Teeter evic – $0.99/each after coupons

Total after Sales, Tax, and Coupons: $0.86, plus receive $1.oo rebate from Ibotta

($20 Post-Vacation Essentials Shopping Trip to Aldi, not pictured)

Weekly Total for all Groceries: $46.16, plus receive $2.00 back from Saving Star, $1.00 rebate from Ibotta

Weekly Menu Plan

Breakfasts

Cereal x 2, Oatmeal x 2, Scrambled Eggs and Veggies, Smoothies, Fried Eggs and Toast

Lunches

Annie’s Macaroni and Cheese/Carrots/Peaches; Grilled Cheese Sandwiches/Cucumbers/Apples; Baked Potatoes/Oranges; Build-Your-Own-Salad Bar; PB&J Sandwiches/Carrots/Apples; Fried Egg Sandwiches/Peaches/Peppers; Tuna Fish Sandwiches/Nectarines/Carrots

Dinners

Freezer Friendly Barbequed Meatballs (using a ground venison/ground pork mix), Tossed Salad, Steamed Carrots, Make Ahead Butterhorns

Bratwurst on the grill, Homemade French Fries, Grapes, Steamed Broccoli

Venison in the Crockpot, Creamy Milk Rice, Homemade Applesauce, Green Beans

Pakistani Kima (my mom’s recipe) over Rice, Homemade Naan, Tossed Salad

Mini Pizzas (using leftover Naan as individual crusts), Fresh Veggie Plate

Leftovers x 2

Shared Aug 16, 2014 comment

5 Lessons for Financially Wise Children

Published: by Crystal Paine on August 16, 2014 | This post may contain affiliate links. Read my disclosure policy here.

Guest post from Angi of SchneiderPeeps

Over the last few years, our children have done some pretty cool things. They’ve had opportunities to go to Boy Scout Jamboree, Philmont and Northern Tier High Adventure Camps, get training with Actors, Models and Talent for Christ, start a beekeeping business, and go to jewelry school. These are all things that have cost thousands of dollars and that THEY have paid for themselves.

We are pretty proud of what they have each accomplished… and so are they. As I look back over the years, I see several things that I believe have helped our children learn to be wise with money.

1. Learn to work

All of our children know how to work. They are each responsible for their own belongings and for helping with household work.

Even small children can empty small trash cans or put away silverware. Whether to pay your child an allowance or commission for household work is a very personal decision, one that parents need to carefully consider.

It’s important that children learn that in order to have money they need to work, but it’s also important for children to learn to work hard even when pay isn’t involved or if no one is looking.

One interesting thing that has happened from working hard when pay is not involved is that my older children are regularly hired to help friends with projects that they have going on in their home.

2. Learn to save

When our children were young, we required them to save a certain percentage of all their money. As they have gotten older we have not needed to have this requirement; they all have learned to save for things they want – both big and small.

Some of our children have learned this discipline quicker than others, but all of our older children are savers.

3. Learn to give

It’s really important to us that our children learn to give generously. At a minimum, we have always required that our children tithe on their earnings.

We no longer have to require this, they just do it naturally. But, we also want them to give in addition to their tithe, so we have made sure that they have opportunities to practice giving by filling shoe boxes for Operation Christmas child, giving to a family in our church whose home burned down, purchasing curtains for our local Women’s Shelter, sending clothes and school supplies to a friend’s village in Kenya and taking meals to families who have had a new baby or are experiencing a hardship in some way.

4. Learn to be content

Contentment is hard to teach because it’s a choice that we each have to make in our hearts. But that doesn’t mean we don’t encourage our children to be content.

One way we’ve done this is by being content and thankful for what we have and not chasing the next new shiny thing. We try to buy quality items and then keep them for years.

One thing my older children have observed about electronics is that as soon as a new product is released the company is already working on the next generation. It can become a vicious cycle trying to always have the latest and greatest technology or clothing style or car.

5. Learn from mistakes

My children have made mistakes in their financial journey. Fortunately, those mistakes have been minor compared to what can happen when they are on their own.

It’s hard to see them struggle and the “mommy” in me really wants to rescue them from their choices or to forbid a choice that I know is unwise. However, I’d rather see my child make a mistake that costs only a hundred dollars and learn the lessons he needs to learn than to make mistakes as an adult that cost thousands of dollars.

If I keep them from making mistakes or rescue them from the consequences, I just delay them learning the lessons they need to learn.

Learning to be financially wise does not just happen, it has to be something that we diligently teach our children.

Angi Schneider is a minister’s wife and homeschooling mom. She blogs about their homesteading and homeschooling adventures at SchneiderPeeps. Angi and her husband, Carl, are also the authors of Hope-Thriving While Unemployed, an ebook to help those who are unemployed or underemployed.

photo source

Shared Aug 15, 2014 comment

Gretchen’s $55 Grocery Shopping Trip and Weekly Menu Plan

Published: by Crystal Paine on August 15, 2014 | This post may contain affiliate links. Read my disclosure policy here.

Health Food Store

2 packages Blueberries – $0.99 each

2 Green Peppers – $0.49 each

1 Cantaloupe – $1.49

Total with tax ($0.32): $4.77

Dillons

2 packages Buns – $1 each

2 bags Lay’s Kettle Chips – $2 each

2.78 lbs Bananas @ $0.59/lb – $1.64

1 bag Kroger Brown Rice – $1

1 Cucumber – $0.79

1 gallon Chocolate Milk – $2.50

1 gallon Milk – $2.50

1 can Kroger Chili Beans – $0.69

1 jar Pickles – $1.59

1.37 lbs Roma Tomatoes @ $0.99/lb – $1.36

1 bag Kroger Unbleached Flour – $1.69

1 Lettuce – $0.99

1 bag Kroger Frozen Boneless, Skinless Chicken Breasts – $8.99

1 package Power Greens – Marked down to $1.85

1 bag Organic Potatoes – $2.49

2 packages Kroger Cheese – $1.77 each

1 package Kraft Cheese Sticks – $2.84

1 package Kroger Tortillas – $1.59

Items a part of the Mega Sale (Buy 5, Get $5 off instantly):

2 Herbal Essence Body Wash – $1.99, used 2 $1/1 catalina coupons – $0.99 each after coupons

1 bag Fritos Chips – $1.49

2 Kraft Salad Dressing – $1.49, used 2 $0.75/1 printable – $0.74 each after coupons

Total before coupons and sales: $74.56

Total with tax ($3.61) after coupons and sales: $50.61

Total for all grocery items: $55.38

Menu Plan for this Week

Breakfasts

Cereal, Easy Pancake Bites, Fruit Smoothies (from frozen fruit), Scrambled Eggs

Lunches

Tossed Salad, Peanut Butter & Jelly Sandwiches, Macaroni and Cheese, Cheese/Crackers/Veggies, Leftovers

Dinners

Build Your Own Haystacks, Peas

Hamburgers (using frozen patties my parents gave us), Chips, Cantaloupe

Chicken & Rice Casserole, Steamed Broccoli, Tossed Salad

Salad Bar, 30 Minute Rolls

Stuffed Peppers, Blueberry Muffins, Cantaloupe

Baked Potatoes, Steamed Broccoli

Waffles, Eggs, Homemade Hashbrowns

Shared Aug 15, 2014 comment

Delicious Left-Overs Quiche

Published: by Crystal Paine on August 15, 2014 | This post may contain affiliate links. Read my disclosure policy here.

This quiche recipe combines two of my favorite things: pinching pennies and amazing-tasting food. It’s thick and hearty, and can be served for breakfast, brunch or dinner!

Guest post from Laura of Life as a Loewen.

Any frugal-minded mama will tell you: it’s all about using what you have on-hand. Finding creative ways to use what’s already in your fridge and pantry will save you a ton of money (and time!)

And THAT’S the beauty of this recipe — you can put in whatever leftovers you have in the fridge or pantry.

Depending upon which ingredients you chose and time of day you serve it, you can really have an entirely new meal from one great baseline recipe!

Ingredients for Leftovers Quiche

1 unbaked pie crust (store bought or homemade)
1+ cup leftover meat or protein
1+ cup of whatever cheese you have in the house
1+ cup leftover cooked or frozen veggies
8 large eggs
1.5 cups milk
salt and pepper to taste
seasonings of choice

Ingredient Variations

You really can use whatever you have in the house — don’t be afraid to experiment! However if you’re new to the wonderful world of quiche, here are a few tried-and-true to start with:

Bacon, Swiss, mushroom, and spinach
Ham, cheddar, and broccoli
Ground beef or lamb, feta, onions, and diced or shredded potatoes (they must be cooked)
Sausage, pepper jack, onions, and green peppers

How to Make Leftovers Quiche

1. Preheat oven to 400ºF.

2. Unroll pie crust and press into a 9″ cake, pie, or tart pan.

3. Dump any (already cooked) leftover meat, cheese, and veggies into the baking dish.

4. In a medium bowl, combine eggs, milk, seasonings, salt, and pepper. Whisk until smooth.

5. Pour mixture over meat and cheese in baking dish.

6. Top with additional cheese (if desired).

7. Place baking dish on a rimmed cookie sheet and cover the edges of the crust with foil.

8. Bake in preheated oven for 45-55 minutes

9. Remove foil and continue baking for 15 minutes, or until middle is set a no longer runny.

10. Remove pan from oven and let rest for 10-15 minutes before serving.

Recipe

Leftover’s Quiche

Author Crystal Paine

Course Breakfast

Cuisine American

Prep Time 15

Cook Time 1

Ingredients

1 unbaked pie crust store bought or homemade
1 + cup leftover meat or protein
1 + cup of whatever cheese you have in the house
1 + cup leftover cooked or frozen veggies
8 large eggs
1.5 cups milk
salt and pepper to taste
seasonings of choice

Instructions

Preheat oven to 400ºF.
Unroll pie crust and press into a 9″ cake, pie, or tart pan.
Dump any (already cooked) leftover meat, cheese, and veggies into the baking dish.
In a medium bowl, combine eggs, milk, seasonings, salt, and pepper. Whisk until smooth.
Pour mixture over meat and cheese in baking dish.
Top with additional cheese (if desired).
Place baking dish on a rimmed cookie sheet and cover the edges of the crust with foil.
Bake in preheated oven for 45-55 minutes
Remove foil and continue baking for 15 minutes, or until middle is set a no longer runny.
Remove pan from oven and let rest for 10-15 minutes before serving.

Notes

You really can use whatever you have in the house — don’t be afraid to experiment! However if you’re new to the wonderful world of quiche, here are a few tried-and-true to start with:

Bacon, Swiss, mushroom, and spinach
Ham, cheddar, and broccoli
Ground beef or lamb, feta, onions, and diced or shredded potatoes (they must be cooked)
Sausage, pepper jack, onions, and green peppers

Recipe adapted from Cowboy Quiche.

Nutrition

Love this recipe?

Make sure to share and save it on your favorite platform below!

Pin Recipe

Laura is a mama of 4 trying to pursue Jesus daily. Attempting to be genuine and raw, Laura seeks to find the humor in everyday life. Laura shares her journey through faith, motherhood, and marriage at Life As A Loewen. She’s passionate, sometimes loud, and always in the mood for cupcake ice cream.

Summer Bucket List

Summer Bucket List

FREE Summer Bucket List!!

Walgreens Shopping Trip

1. We’ve paid off a lot of debt.

2. We delayed gratification.

3. We scaled back our expectations.

My Current Bedtime Ritual

This Morning’s Report

How has your morning been so far? Do you have a bedtime routine of sorts? If so, what does it look like? If not, what would you LIKE it to look like?

What Do You Think?

WANT TO SAVE $100 FAST?!Join the FREE 14-Day Savings Challenge!

1. Save it for later.

2. Make convenience items.

3. Bring them to work.

4. Invite friends into your garden.

5. Make a stir-fry or stew with remnants.

6. Double up and send it out

7. Try a new recipe

8. “Auction” it online

Today’s Rise & Shine Challenge Assignment

This Morning’s Report

How was your morning? What do you want to change about your family’s sleep cycles (if anything)? What are some of your bedtime rituals?

What is Grocery University?

Don’t Miss Our Crazy Sale Tomorrow Only!

Find the Right Fit

Set Clear Boundaries

Enjoy A Mutual Blessing

OVER-SPENDING EVERY SINGLE MONTH?Grab these FREE Budgeting Sheets!

Today’s Rise & Shine Challenge Assignment

This Morning’s Report

How has your morning been so far? How does an ideal morning look like for you?

Harris Teeter

Walmart

Harris Teeter (Super Doubles #1 Trip)

Harris Teeter (Super Doubles Trip #2)

Weekly Total for all Groceries: $46.16, plus receive $2.00 back from Saving Star, $1.00 rebate from Ibotta

Weekly Menu Plan

1. Learn to work

2. Learn to save

3. Learn to give

4. Learn to be content

5. Learn from mistakes

Health Food Store

Menu Plan for this Week

Breakfasts

Lunches

Dinners

Ingredients for Leftovers Quiche

Ingredient Variations

How to Make Leftovers Quiche

Leftover’s Quiche

Ingredients 1x2x3x

Instructions

Notes

Nutrition

Love this recipe?

FREE 50+ Easy and Cheap Breakfast Ideas!!

Footer

Sign up for myHot Deals Newsletter

Ingredients