Head on over to The Better Mom for a great article with 107 Ways to Save Your Family Money Big Time.
Summer Bucket List
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Q&A: How do you plan for unexpected expenses?
How do you plan for unexpected expenses (like a broken boiler, car repair, or medical emergency) and stay on your budget? Every month, I feel like we have a $400-$600 chunk of money that we spend and didn’t plan to. -Christa
Christa, thanks for asking this question. It’s one that many people wonder about and struggle with. I thought about your question and talked to my husband to get his input and here are our thoughts:
1) Plan in Advance
While there are some expenses that blindside you, there are many more expenses that you can plan for. For instance, your car will eventually break down or need repairs, you will have medical expenses at some point, and your home will need repairs.
Start expecting these things to happen and begin planning for them ahead of time. Look at your budget from the last year and see what categories were most likely to have those unexpected extra expenses.
2) Pad Your Budget Categories
You won’t know exactly how much you’re going to need in each budget category, but begin thinking ahead to what could possibly be breaking down or needing repairs in the next few months or few years and start preparing for those extra expenses ahead of time. By doing this, you aren’t completely caught off guard or put in a bind when you need to pay those repair bills.
We put extra money aside in a number of our budget categories each month — money for medical expenses that may be coming, money for home repairs that may need to happen, money for car repairs that will likely be needed. Each month, if we don’t need this extra money, we just keep setting it aside and building up a reserve. This way, when the “unexpected” expenses pop up, we’ve already planned ahead for them.
Note: If you don’t have the extra wiggle room in your budget to pad your budget categories, look at your budget as a whole to see if there are any areas you can cut back in to free up money to pad those categories that you’re continually in the red in right now. If there aren’t any areas or things you can cut, it’s probably time to start looking for ways to increase your income.
3) Beef Up Your Emergency Fund
I also highly recommend beefing up your emergency fund. If you end up with extra expenses one month and your pre-budgeted money doesn’t cover it, you have your emergency fund to fall back on. This makes the unexpected expense an inconvenience rather than a true emergency.
Consider making short-term sacrifices, taking on a few short-term side jobs, or selling items you own to give you some extra income to put toward building and increasing your emergency fund. (Need some ideas? Check out my series on 31 Ways to Earn Extra Cash Before Christmas.)
What advice and suggestions do the rest of you have for Christa? I’d love to hear!
4 Weeks to a More Organized Home: Assignment #17 (update)
I’m so excited about how many of you are joining us for the 4 Weeks to a More Organized Home Challenge! If you missed today’s assignment, you can find it here.
It was cupboard cleaning day! And yes, that’s an onion growing in our cupboard. 🙂
Ick! We definitely needed the cupboard-clean out!
Lots of crumbs in the lazy susan!
And that looks much cleaner!
And the 7+ things I found to get rid of, including a random plastic water gun I found on the garage floor, an alarm clock that no longer works, and more.
How you do on Assignment #17? I’d love to have you share your progress and success with us so we can be inspired. Either post a link to your blog post below or leave a comment with your update.
Shared Mar 25, 2014
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Gretchen’s Target Shopping Trip: Spent $8.16 for $48.83 worth of products
Gretchen’s Target Shopping Trip: Spent $8.16 for $48.83 worth of products
Target Shopping Trip
Transaction #1
Transaction #2
2 Honey Bunches of Oats Cereal – $2.48, used 2 $1/1 printable AND 2 $1/1 Target printable – $0.48 each after coupons
2 Garnier Fructis Hair Cream/Gel – $2.96 each, used 2 $0.75/1 Target printable AND 2 $2/1 coupon from the 3/2 RedPlum insert – $0.21 each after coupons
1 Angel Soft Bath Tissue (6 double rolls) – $3.29, used $0.50/1 Target printable AND $0.45/1 coupon from the 3/23 RedPlum insert AND 15% off Cartwheel coupon – $1.92 after coupons
3 Iams Wet Cat Food – $0.59 each, used $2/3 printable – Free after coupon
2 CoffeeMate Creamer – $1.99 each, used 2 $1/1 printable AND $1/2 Target printable – $0.49 each after coupons
4 Up&Up Baby Wash/Shampoo – $1.49 each, used 2 $2/2 Target printable – $0.49 each after coupons
2 Dial for Men Bodywash – $2.99 each, used $2/2 Target printable AND 2 $1/1 coupon from the 3/16 RedPlum insert AND 20% off Cartwheel coupon – $0.59 each after coupons
Used $5 gift card from Transaction #1
Total: $5.18
Total for both transactions before coupons, sales and gift card: $49.83
Total for both transactions after coupons, sales and gift card: $8.16
Swagbucks Paid for Bose Speakers for My Husband
Today’s Swagbucks success story is from Kelly
I know many of my fellow MoneySavingMom.com readers can relate to this statement: our family is on a (tight) budget.
We’re working to pay off student loans, saving for a down payment on a home, and managing all of the usual day-to-day expenses — food, transportation, and dog supplies.
Normally our situation doesn’t bother me, because thankfully our needs are covered and we know we’re fortunate to have any money left over to save for a future home. But having the money left over to save has meant sacrificing in other areas. We eat out less and have eliminated all purchases that would fall under the category of “splurge.”
In 2013, we established a Christmas budget early in the year to allow ourselves time to set aside those funds each month. I was excited, because even as early as last January, I knew what I wanted to get for my husband (this never happens, and usually I’m scrambling in November to come up with ideas.)
For a long time, he has admired a set of Bose speakers, but because they fall staunchly in the “splurge” arena, they have been out of the question. As we worked through our budgeting process, my heart sunk as I realized there was no way to make the numbers mesh for this one $200+ purchase.
I thought about our situation for days afterwards. My husband is a hardworking and generous person who has worked countless extra hours to help us get closer to our dreams. I felt that he was so deserving of this gift that I just HAD to make it work.
Enter Swagbucks!
I had started using Swagbucks a few years ago but lapsed when I went to graduate school and hadn’t thought too much about the site until a friend mentioned she was a new user. I decided to log back on and was excited to see I had a few hundred points still left in my account.
I wasn’t convinced I could earn enough to purchase the speakers, but thought my worst case scenario was earning a couple of Amazon gift cards — which wouldn’t be bad either!
I was glad to see some additions to the site that made it much easier to earn points since the last time I had used it. After many hours of surveys, videos, NOSOs, and polls, I am excited to tell you I cashed in all of my Amazon gift cards earned from Swagbucks for the speakers, with time to spare!
I am overjoyed to be able to give my husband this gift, and even more so, that I can do it without it messing up our budget in the least. It was so exciting to see his face on Christmas morning and am so thankful to Swagbucks for making that happen!
Do It Yourself: 3-D Star Out Of Cardboard
Puddle Designs shows you how to make a homemade 3-D star out of cardboard.
Do you have a fun and frugal DIY idea to share? I’d love to hear about it! Read the submission guidelines and submit it here.
4 Weeks to a More Organized Home: Assignment #17
I’ve set aside the month of March to really focus on organization in my home and life. And I’d love for you to join me!
Day 17 Assignment
::Get dressed in something that makes you feel great {there’s something about dressing in clothes that make you feel great that just gives you more energy and zest for life!}
::Sit down with a cup of coffee or tea, refer to your list of weekly goals, and make a list of no more than 5-7 specific things you want to accomplish today.
::Complete your morning routine {if you don’t have a morning routine, take some time to create one today! Read my How to Develop a Routine That Works–And Stick With It series for step-by-step help.}
::Set the timer for 15 minutes and do a quick-clean of your bathroom. Need specific directions? Read this article on How to Clean Your Bathroom in 15 Minutes.
::Clean out and reorganize your kitchen cupboards and pantry.
::Find 7 items to get rid of today. Throw them out, stick them in a donate or garage sale box, give them to a friend who can use them, or list them on Craigslist or eBay.
Note: If you work outside the home or have a really busy week with little time for extra projects, just do the bolded project above.
Get Your Free Ebook + Printable Checklists
I put together an ebook with encouraging articles, all the daily assignments, plus printable checklists so you can know exactly what’s planned for the month and to allow you to work at your own pace, if you’d like.
To grab your free ebook so you can participate in this challenge, just fill out the form below with your name and email address. You’ll need to confirm your email address and then your free ebook will be sent to you instantly.
Are you planning to join us today? If so, leave a comment below!
Shared Mar 24, 2014
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52 Different Ways to Save $100 Per Year: Shop At More Than One Store {Week 49}
52 Different Ways to Save $100 Per Year: Shop At More Than One Store {Week 49}
Every week for 52 weeks, 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.
When I mention how I save a lot of money by shopping at more than one store, I’m often met with resistance:
“But I don’t have time to go to more than one store! I can barely make it into Walmart once a week.”
“That’s not saving money! You’re wasting all sorts of time and gas running around to fifteen different stores in one day. Wouldn’t it be more cost-effective and efficient to just do all your shopping at one store each week?”
“I’m glad that works for you, but I don’t have near the patience or organization to even attempt something like that!”
Let me be clear: I am not advocating going to 15 different stores that are 45 minutes away from your home in order to save $2 at each store. That’s not saving money, in my definition. Instead, that’s wasting enormous amounts of time and effort and producing little to show for it but wear and tear on your vehicle and an exorbitant gas bill.
What I am advocating is taking a little bit of time to scout at your nearby stores each week and pick a few which have the best sales and deals. Then base your grocery trip planning on shopping only at those stores.
How to Get Started Shopping at More Than One Store
1) Make a List of All Stores in Your Area
Don’t just list the grocery stores, think of any possible place you might be able to buy grocery-related items:
- Co-ops
- Dollar Stores
- Scratch and Dent Stores
- Overstock Stores (Big Lots, etc.)
- Big Box Stores (KMart, Walmart, Target)
- Warehouse Stores (Costco, Sam’s Club, B.J.’s)
- Drug Stores (CVS, Walgreens, Rite-Aid)
- Asian Markets
- Bulk Foods Stores
- CSA’s
- Farmer’s Markets
- Health Food Stores
I’d recommend searching online or pulling out the phone book to see if you have any of the above stores in your area if you’re not sure. And ask your friends and neighbors if they know of any great places to shop which you might not know about.
If you live in a small town, this should be simple. In fact, you might only have two stores to choose from. (And if you only have one store to choose from, you’re exempt from any of this legwork!)
If you live in a larger town or big metropolis, this is going to be a bigger undertaking. If you’re feeling overwhelmed by all the options, limit the stores to those within a 5 mile radius or which are close to areas you regularly frequent.
2) Visit Your Area Stores and Record the Prices of 25 Items You Routinely Buy
Once again, if this feels overwhelming, just pick two or three grocery stores to start with. You’ll have plenty of time to branch out in the future. Don’t bite off more than you can chew and end up burning out on this whole bargain-shopping thing before you’ve even really started!
3) Determine Which Store(s) Regularly Have the Lowest Prices and Best Sales
After filling out the price book forms and finding out your local stores’ coupon policies and mark-down policies, you will have a pretty clear picture of which stores are best to shop at on a regular basis. However, most stores run their sales cycles every twelve weeks or so, with a few incredible sales and loss-leaders thrown in on occasion. To get a more accurate picture, I’d recommend tracking the sales at a few stores for three months.
This does not mean that you necessarily need to go to five different stores and fill out a price book form every week. But I would recommend scanning the sales fliers each week and actually visiting each store at least once a month.
4) Consider How Much Time You Have to Invest
Time is money. So if it’s scarce for you, don’t expect that you’ll be able to spend six hours grocery shopping each week. That’s just not feasible or realistic.
I’d suggest that you be willing to set aside at least two hours each week if you want to see fairly significant savings. Invest 30 minutes in planning and clipping/organizing coupons and an hour and a half in shopping. In that time-frame, you should be able to plan your shopping trips and shop at one to three stores. It might sound unrealistic right now, but the more you practice, the better you’ll get.
But I Don’t Have Two Hours to Spend!
Maybe you don’t. But how important is saving money to you? Is it worth giving up time spend watching TV or working on a hobby? Look at your schedule and see if there is something you regularly do each week that you’d be willing give up in order to save money.
You might find that clipping coupons and reducing your grocery budget can become a fun hobby in and of itself. And it’s one of the best hobbies ever because it doesn’t cost you money, it saves you money. Plus, it greatly benefits your family!
If you have more than two hours to invest per week, you can tailor your plan accordingly. Perhaps you have time to hit four or five stores, instead of two. Or maybe you have time to research more deals and clip more coupons. Do what works for you. However, don’t overdo!
5) Rotate the Stores You Shop At
When the weekly sales change in your area, sit down and quickly scan the grocery store fliers (most larger chains offer their fliers online), your price book, and your coupons, and decide which stores are running the best sales. Keep in mind what your schedule is for the week and what areas of town you’ll already be in. Based upon which stores have the best deals and what your schedule looks like for the week, plan your shopping trip accordingly.
Even though I’ve been bargain-shopping for years, I’ve rarely shopped at more than three stores in a week. A more normal week would include a stop at either Aldi or Dillons (a Kroger affiliate) and a stop at the health food store to look for mark-downs.
However, for years, I’ve rotated the stores I shop at, depending upon the sales and what coupons I have. Over a six-month time period, I may have shopped at nine to ten different stores–but I never shop at all of them in the same week, or even in the same month!
That’s the beauty of shopping at more than one store. You don’t have to shop at five stores each week, or even more than one. But you can rotate which stores you shop at every week in order to get the best deals and lowest prices.
Note: Don’t Feel Obligated to Hit Every Deal
I think one of the biggest mistakes new bargain-shoppers make is that they discover this world of great deals and get so excited about all the money they are saving, that they go a little overboard. Pretty soon, they are completely burnt out and go back to spending large amounts at the grocery store each week.
The better approach is to take it slow. Pick and choose the best deals to do and don’t worry about hitting the others. There will always be another sale on milk and cereal or whatever else it is that seems like such a great deal at the time. Pace yourself and you’ll find that you enjoy it a lot more.
In addition, realize that it’s okay to step back and take a break every now and then. Sometimes, I’ll shelve my coupon box and just do my shopping at Aldi for awhile. Or sometimes, we will just skip shopping and eat from the pantry that week. Maybe I didn’t get the rock bottom prices that week or miss out on some stellar deal, but over the course of the year, it’s much more money-saving and sanity-saving to pace myself.
Do you shop at more than one store? Why or why not?
4 Weeks to a More Organized Home: Assignment #16 (update)
I’m so excited about how many of you are joining us for the 4 Weeks to a More Organized Home Challenge! If you missed today’s assignment, you can find it here.
It was the vent-cleaning day today. I wasn’t too excited about tackling this project, but it needed to be done!
Kathrynne offered to help — and I felt badly that she ended up with an icky vent to clean!
But she thought it was so cool how well a Mr. Clean Eraser worked on the gunk.
Kathrynne’s finished vent — she did a great job, didn’t she? And she had fun helping, to boot!
And I went through the rags and found quite a few that were holey and so well used that it was time to get rid of them. (These don’t look too badly in the picture, but trust me, they were nasty!)
How you do on Assignment #16? I’d love to have you share your progress and success with us so we can be inspired. Either post a link to your blog post below or leave a comment with your update.
10 Goals For This Week
Last Week’s Goals:
Marriage/Mothering/Homemaking Goals
1.Read 4 chapters of A Big Year for Lily to the girls. Read 5 chapters of The Imagination Station: Hunt for the Devil’s Dragon. Read a few picture books with Silas.
2. Write a love note to Jesse.
3. Blog about the 4 Weeks to a More Organized Home Challenge.
4. Have an at-home movie date with Jesse.Personal Goals
5. Work on memorizing & reviewing Romans 1:1-28.
6. Exercise four times.7. Finish reading I Thought It Was Just Me (But It Isn’t),
The Antelope in the Living Room, Fifteen Minutes,Debt-Free Living in a Debt-Filled World, and In a Pit With a Lion on a Snowy Day.8. Drink 8 glasses of water every day.
Blog/Business Goals.
9. Finish tweaking my talks for the Teach Them Diligently Nashville Conference.
10. Write three content pieces for my blog.
This Week’s Goals:
Marriage/Mothering/Homemaking Goals
1.
2. Write a love note to Jesse.
3. Finish the 4 Weeks to a More Organized Home Challenge.
4. Have an at-home movie date with Jesse.
Personal Goals
5. Work on memorizing & reviewing Romans 1:1-28.
6. Exercise four times.
7. Finish reading I Thought It Was Just Me (But It Isn’t), Fifteen Minutes, Jab, Jab, Jab, Right Hook, Balancing It All, The Measure of Success, The Traitor’s Wife, Chasing God, In a Pit With a Lion on a Snowy Day, and Praying for Boys. {Yes, I’m sure there’s no way I’ll finish all of these, but since I have a slower week, I thought I’d aim high and try to finish my March reading list!}
8. Drink 8 glasses of water every day.
Blog/Business Goals.
9. Finish tweaking my talks for the Teach Them Diligently South Carolina Conference.
10. Write three content pieces for my blog.
How did you do on last week’s goals? What are your goals for this week? I’d love to have you share your progress on last week’s goals and your goals for this coming week in the comments. Of, if you’ve blogged about it, leave your direct link below. Let’s cheer each other on to live purposeful and productive lives! You can download a free customizable weekly goal-planning sheet here.
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Free download: The Pilgrim’s Progress
4 Weeks to a More Organized Home: Assignment #16
I’ve set aside the month of March to really focus on organization in my home and life. And I’d love for you to join me!
Day 16 Assignment
::Get dressed in something that makes you feel great {there’s something about dressing in clothes that make you feel great that just gives you more energy and zest for life!}
::Sit down with a cup of coffee or tea and make a list of weekly goals. I’ll post my goals along with a link-up around 1 p.m. ET this afternoon.
::Complete your morning routine {if you don’t have a morning routine, take some time to create one today! Read my How to Develop a Routine That Works–And Stick With It series for step-by-step help.}
::Set the timer for 15 minutes and quickly pick up your house and put things back into order after the weekend.
::Clean your vents. If you have floor vents that can be removed, remove them and wash them in warm soapy water. Vacuum/clean any dirt or grime around the floor vent area and replace the vent. Use a vacuum attachment and/or a wet rag to dust/clean your other vents.
::Find 7 items to get rid of today. Throw them out, stick them in a donate or garage sale box, give them to a friend who can use them, or list them on Craigslist or eBay.
Note: If you work outside the home or have a really busy week with little time for extra projects, just do the bolded project above.
Get Your Free Ebook + Printable Checklists
I put together an ebook with encouraging articles, all the daily assignments, plus printable checklists so you can know exactly what’s planned for the month and to allow you to work at your own pace, if you’d like.
To grab your free ebook so you can participate in this challenge, just fill out the form below with your name and email address. You’ll need to confirm your email address and then your free ebook will be sent to you instantly.
Are you planning to join us today? If so, leave a comment below!
4 Weeks to a More Organized Home: Assignment #15 (update)
I’m so excited about how many of you are joining us for the 4 Weeks to a More Organized Home Challenge! If you missed Friday’s assignment, you can find it here.
Friday’s assignment was to clean your computer. This was a quick and easy assignment for me — but one that I really needed to do!
How you do on Assignment #15? I’d love to have you share your progress and success with us so we can be inspired. Either post a link to your blog post below or leave a comment with your update.
Gretchen’s $78 Grocery Shopping Trip and Menu Plan
Leeker’s
(I normally never shop at this local grocery store but I wanted to take advantage of the Purex deal. I was glad I stopped in because I was able to get a few other great deals!)
2 Westpac Frozen Vegetables – $0.88 each, used 2 $0.35/1 coupon from the 12/8 SmartSource insert (doubled) – $0.18 each after coupons
2 Apple Juice – $0.98 each
1 bag Malt O Meal Cereal – $2.99 (This is one of my husband’s favorite kinds of cereal. He had requested that I buy him cereal this week so I was excited to see this price on the Malt O Meal cereals!)
3 Purex Laundry Detergent – $1.98, used 3 $1/1 printable (no longer available) – $0.98 each after coupon
1.77 lbs Fuji Apples @ $0.88/lb – $1.56
4 pkg Strawberries (2 lbs each) – Marked down to $1.49 each (I was SO thrilled to find these! I froze most of them for smoothies.)
Total before coupons and sales: $28.77
Total with tax ($1.39) after coupons and sales: $17.16
Aldi
1 Pineapple – $1.29
2 pints Blueberries – $1.29 each (Will get $0.25 back from Checkout 51.)
1 loaf Bread – $0.99
1 can Kidney Beans – $0.59
1 bag Marshmallows – $0.89
1 canister Raisins – $2.89
1 lb Butter – $2.49
1 pkg Flour Tortillas – $1.19
1 bag Brown Sugar – $1.19
1 pkg Roma Tomatoes – $0.99
1 dozen Eggs – $1.15 (Will get $0.50 back from Checkout 51.)
1 gallon Milk – $2.68
1 Cucumber – $0.59 (not pictured)
Total with tax ($1.39): $20.90
Dillon’s
2.22 lbs Bananas @ $0.59/lb – $1.31, used $0.50/1 printable (no longer available) – $0.81 after coupon
3 Navel Oranges – $0.69 each
0.58 lbs Broccoli @ $1.59/lb – $0.92
1 can Kroger Green Chilies – $0.89
1 bag Kroger Boneless, Skinless Chicken Breasts – $6.99
1 Romaine Lettuce – $0.99
Items a part of the Mega Sale (Buy 5, Get $5 off instantly):
2 Post Great Grains Cereal – $1.88 each, used $1/2 coupon from the January All You magazine – $1.38 each after coupon
2 Kraft Chunk Cheese – $1.99 each, used $1/2 coupon from the 3/9 SmartSource insert – $1.49 each after coupon
1 Kraft Shredded Cheese – $1.99, used $0.75/1 printable (no longer available) – $1.24 after coupon
2 Lady Speed Stick Deodorant – $1.09 each, used 2 $1/1 coupon from the 3/9 SmartSource insert – $0.09 each after coupons
1 Speed Stick Gear Deodorant – $2.49, used $2/1 printable – $0.49 after coupon
2 Cascadian Farms Cereal – $1.99, used 2 $0.75/1 printable – $1.24 each after coupon
4 Yoplait Go-Gurt – $1.49 each, used 4 $1/1 printable (no longer available) – $0.49 each after coupons
1 Smuckers Jelly – $0.99
1 Imagine Broth – $1.49, used $1/1 printable – $0.49 after coupon
2 Green Mountain Coffee K-Cups – $5.99 each, used $2/2 catalina coupon – $4.99 each after coupon (I ran out of this coffee a few weeks ago and have been waiting for a sale. This is my favorite coffee so I’m so happy to finally have it back in stock at my house!)
2 Huggies Baby Wipes – $0.99 each, used 2 $0.50/1 coupon from the 2/23 SmartSource insert – $0.49 each after coupons
Total before coupons and sales: $93.14
Total with tax after coupons and sales: $40.93
Total for all grocery items: $78.99
Menu Plan for this Week
Breakfasts
Homemade Granola, Cereal, Toast, Eggs
Lunches
Cheese Quesadillas, Peanut Butter & Jelly Sandwiches, Fruit/Veggies/Cheese, Leftovers, Baked Potatoes with Steamed Broccoli
Dinners
Chimichangas with toppings, Sliced Oranges
Oven Fried Chicken, Texas Roadhouse CopyCat Rolls, Tossed Salad
Spaghetti Pie, Green Beans, Steamed Cauliflower
French Toast, Scrambled Eggs, Fruit Salad
Chicken Broccoli Quiche, Tossed Salad
Taco Casserole, Sliced Veggies
12 Months to a Healthier You: Week 11 Check-in
Are you joining us for the 12 Months to a Healthier You Challenge? If so, it’s Friday and guess what that means? It’s time for our weekly check-in to post our progress.
March’s Challenge:
We’re focusing on developing the habit of drinking more water in March. I encourage you to set a simple and doable goal for drinking more water and to stick with it.
New to this challenge? Read more details on the plan for this year here.
My Water Intake Goal for March
My goal for March is to drink at least 8 glasses of water every day. I’m also hoping to keep up with January’s habit of doing exercising at least 4-5 times every week and February’s habit of eating six big salads every week.
This Week’s Progress:
I hit my goal of drinking 8 glasses of water each day 6 days this week — that’s a little progress over last week! Yay! I also hit my exercise goals, as well as my salad goals.
How Are YOU Doing?
Leave a comment telling us how you did on your exercise goals this past week. If you’re blogging about this challenge, leave the direct link to your blog post about the challenge below. Are you on social media? You can also share your progress on Instagram, Facebook, Pinterest, or Twitter by using hashtag #12MonthstoaHealthierYou.