Victoria was inspired by my Gratitude Journal post and came up with a really creative (& cute!) way to make your own Gratitude Journal — for only $1
Make It From Scratch Week: Crockpot Brownies (Day 4)

Well, it’s back to the chocolate theme today for the Make It From Scratch Week. 🙂

I was intrigued by the Crockpot Brownies recipe and had to try it.

It was really easy to mix together.

And fun to bake in the crockpot.

The final results were a little cakier than usual brownies, but they were really yummy. I think this recipe would especially be great to bake on a hot day when you don’t want to heat up your house by baking in the oven.
Oh and I’d recommend serving it with ice cream and chocolate syrup. Yum!
Are you participating in the Make It From Scratch Week? If so, link up your blog post about today’s Make It From Scratch Project. Don’t have a blog? Tell us about what you made in the comments.
Sign up for MyPoints and earn free gift cards!
Back when my husband was in law school and we were living on our bare-bones beans-and-rice budget, we rarely ever had any extra cash to use for dates. However, I didn’t let that deter me from coming up with creative ideas for fun dates.
We’d take a picnic to the park, we’d go to the library and browse books, we’d take walks. If we could scrounge up a few dollars, we get a meal or two at a fast food restaurant with coupons or hit the $0.99 bowling night.
One of our favorite things to do was to head to a bookstore and get an iced coffee and just spend a few hours looking at books. We’d browse the shelves and then take a stack of books to a cozy corner and read for a while.
We usually paid for our drinks with a gift card I’d earned from MyPoints so the whole evening ended up costing us nothing out of pocket and would be a very relaxing and refreshing time for us to spend together away from the pressures and deadlines of law school life.
If you are strapped for cash but would love to also get to have a bookstore date on occasion, I’d definitely recommend MyPoints. It’s free to sign up for and you can earn points to cash in for gift cards by reading emails, printing coupons, playing games, searching the web, and taking surveys.
It takes a bit of time to accumulate enough points to cash in for a gift card, but if you have more time than money right now, it’s a great way to be able to enjoy a few free dates every year. Plus, when you sign up during the month of September, they are running a promotion where you can earn 50 extra points every day if you’re one of the first 500 people to click on the “Lucky Leaf.”
Thanks, The Freebie Blogger!
(Note: The links in this post are my referral links. Read my disclosure policy here.)
I got 106 diapers for $7.98 out of pocket at CVS!
I loved this email from Jessica:
Just wanted to share my good diaper transaction with you!
First . . . I had been inspired by numerous mentions on your site about “just ask – you never know!” (I particularly remember one time that you got free bananas just because you asked for a discount on them – ha ha.) When our baby was born, I updated my Pampers account with her birthday and contacted Pampers to tell them she had arrived, and asked for coupons to buy their diapers for her, mentioning how well Pampers had already worked for my son. They mailed two coupons for FREE diapers to me, and I had been saving them for a rainy day.
Huggies diapers were on sale for $9.49 (yes, that’s a sale price around here!) and from having signed up for a CVS card, I had a coupon for $3.50 off one package. I also had Kimberly-Clark manufacturer’s coupons – the ones you mentioned in this post. I took at look at all the shelves to make sure I didn’t miss any clearance items . . . sure enough, there was an extra-large package of 56 Huggies slip-on diapers on clearance for $11.99 (normally $23.99) which I could save for when our baby girl is wearing size 4.
So I was able to use a $2.50-off Kimberly-Clark coupon and the $3.50-off CVS coupon on the clearance item, another $2.50-off Kimberly-Clark coupon on a second package of Huggies (size 5) and I used the coupon for the free Pampers diapers for a third package (size 6 – night-time wear for my son, which would have cost $12.49.) I also made sure that the cashier signed us up for the “double rewards” promotion that CVS is running for ExtraCare members.
Lastly . . . I wasn’t expecting any ExtraBucks from this transaction, but for some reason, I got $5 back! The receipt didn’t say what it was for, but it certainly was a great bonus – even though I can’t say that I planned it! So I was able to take home 106 diapers for $7.98, which is pretty good for an in-store deal, on brands that both run rewards programs. -Jessica
Has Amazon changed their Subscribe & Save policy?
Important Update: See the clarification I posted on this here. I’m so sorry for creating a scare and confusion!
Kate emailed this to me this week and it’s the first I’ve heard of this:
Maybe you already know this, but I have just discovered that even if you press “order” for the first time on a S&S item, the price is not locked in.
We all already knew about this for subsequent orders, but now it seems that there’s no point in your posting price drops for S&S items, because the price can change up until the day it ships.
For instance, I subscribed to Happy Baby Mango Pouches for the first time this month. The price was $10.88, and I found that out from a deal site (probably yours) and subscribed. Well, it’s now a day before my cutoff date for shipping, and the price has risen to $11.39.
Not cool. If the price isn’t locked in when you hit “Subscribe” for the first shipment, what’s the point? The only way to actually save money is to either watch for the warning email and go through it and hope that five of your “new” subscriptions are still good deals, or do your order the night before your shipping date and hope the prices don’t change in between.
Wondering if your readers are aware of this? -Kate
Have any of you had this happen to you?
Make It From Scratch Week: Homemade Bath Bombs (Day 3)
I’m pretty stoked because today’s Make It From Scratch project is one I’ve been wanting to make for a very long time. And it didn’t even involve chocolate! 🙂
What was it that I made? Homemade Bath Bombs!
They were really simple to whip up and I cannot wait to try them out.
What I love most about them is that there are pretty much endless color and scent combinations for these. Plus, they would make really cool gifts. Wrap them in cellophane, tie them with a bow, and add a cute gift tag and it’d be a fun and unique gift!
Are you participating in the Make It From Scratch Week? If so, link up your blog post about today’s Make It From Scratch Project. Don’t have a blog? Tell us about what you made in the comments.
Gretchen’s $49 Grocery Shopping Trip and Weekly Menu Plan
Aldi
2 Flour Tortillas – $0.99 each
1 Strawberries – $1.49
1 Mini Marshmallows – $0.89
1 Cantaloupe – $0.99
1 Grapes – $1.58
1 can Corn – $0.49
2 Avocados – $0.33 each
1 Lemon – $0.39
1 Raisins – $2.79
1 Chocolate Syrup – $1.49 (not pictured)
Total with tax ($0.91): $13.66
Dillons
1 Kroger Peanut Butter – $2.47
1 Kroger Value Vinegar – $0.97
0.53 lbs Broccoli Crowns @ $0.99/lb – $0.52
1 Romaine Lettuce – $0.99
1 Organic Green Pepper – $0.75
1.09 lbs Pears @ $0.99/lb – $1.081
1 Nature’s Own Hamburger Buns – $2.79
1 Kroger Chocolate Chips – $1.59
1 Organic Potatoes (3 lbs) – $2.49
2 Ramen Noodles – $0.20 each
1 Cucumber – $0.69
1 Dillons Milk (gallon) – $1.99
1.87 lbs Sweet Potatoes @ $1.09/lb – $2.04
0.47 lbs Roma Tomatoes @ $0.99/lb – $0.47
1 Kroger Cheese – $1.67
1 Cream Cheese – $1.99
Items Part of the Mega Sale (Buy 5, Save $5):
4 Motts Fruit Snacks – $1.29 each, used 2 $1.10/2 printable – $0.74 each after coupons
2 Honey Nut Cheerios – $1.49 each, used 2 $1/1 printable – $0.49 each after coupons
2 Gillette Fusion Shaving Gel – $1.99 each, used 2 $2/1 coupon from the 9/1 P&G insert – Free after coupons
2 Kettle Chips – $1.49, used 2 $1/1 printable – $0.49 each after coupons
4 Barilla Plus Pasta – $0.99 each, used 2 $1/2 printable – $0.49 each after coupons
1 Malt O Meal Golden Puffs Cereal – $2.88
Total before sales and coupons: $74.14
Total with tax ($3.21) after sales and coupons: $35.85
Total for all grocery items: $49.51
Menu Plan for this Week:
Breakfasts
Cereal, Oatmeal, Toast, Fruit
Lunches
Macaroni & Cheese, Peanut Butter & Jelly Sandwiches, Sweet Potatoes, Scrambled Eggs & Cheese, Fruits & Veggies
Dinners
Chicken Fajitas, Corn Bread, Fruit
Hamburgers, Chips, Tossed Salad, Steamed Broccoli
Salad Bar, Pumpkin Muffins
Savory Crescent Chicken Squares, Tossed Salad
Cheesy Enchilada Casserole, Green Beans, Sliced Oranges
Baked Potatoes, Rolls, Carrots
Gretchen’s Target Shopping Trip: Spent $8.81 for $42 worth of products!
Gretchen’s Target Shopping Trip: Spent $8.81 for $42 worth of products!
Target Shopping Trip
Up&Up Bleach – $1.79 (I tried to use the $1/1 mobile coupon on this but the computer wouldn’t accept it. I needed to buy bleach anyway though, so I just went ahead and paid full price.)
1 C9 Top – $6, used $3/1 Target mobile coupon – $3 after coupon
1 Market Pantry Pasta – $1.04, used $0.75/1 Target mobile coupon – $0.29 after coupon
1 Market Pantry Pasta Sauce – $1.52, used $0.75/1 Target mobile coupon – $0.77 after coupon
2 Smuckers Toppings – $1.79 each, used 2 $1/1 Target printable AND 2 $1/1 printable – Free after coupons
GE Light Bulbs – $2.79, used $2/1 Target printable – $0.79 after coupon
2 Nivea Lotion – $4.80, used 2 $2/1 Target printable AND 2 $2/1 printable – $0.80 each after coupons
2 Purell Hand Sanitizer – Marked down to $1.74 each, used 2 $1/1 coupon from the 7/28 SmartSource insert – $0.74 each after coupons
3 Tone Bodywash @ $3.54 each – On Sale Buy 2 Get 1 Free, used 3 $1/1 printable AND 2 $1/1 Target printable – $0.69 each after coupons
2 Up&Up Hand Soap – $0.89 each, used 2 $0.50/1 Target printable – $0.39 each after coupons
Used $5 Target gift card from last week’s shopping trip
Total before coupons and gift card: $42.20
Total with tax ($1.65) after coupons and gift card: $8.81
We Paid Cash: A New Staircase

A testimony from Katie
In March of this year, my husband and I were able to purchase our first home. It was a newer home in great condition, but it needed some TLC. The previous owner chose some interesting paint colors and neglected to take care of minor maintenance issues. My husband, Nick, is quite the handyman, so we saw a home with great potential!
Nick works for a university, so he had some free time during the summer months that he was going to dedicate to home repairs/remodeling. Since the home only needed minor repairs, we knew we could tackle nearly everything completely on our own. We also knew that by doing the projects ourselves, we’d save lots of money in the process.
The one area of the home that we absolutely wanted to remodel (and as quickly as possible!) was our staircase. The previous owner had the walls painted a “lovely” forest green, and the staircase was pine. One word came to mind for me: YUCK!
When we sat down to decide how we planned to tackle the project and what our expenses might be, I was absolutely shocked when Nick told me that he thought he could do the entire staircase for $70 or less!
He estimated the following costs and supplies:
- One can purple paint for the walls (approximately $30)
- One can white paint (approximately $30)
- One can stain (approximately $10)
So, after two weeks of lots of hard work on the part of my husband — prepping, sanding, planing, painting, and staining the wooden stairs and landings all by hand — we had a new staircase!

Our total expenses for supplies came in right around $70, just as my husband expected! He guesstimated that if we had purchased all new wood to complete the project, in addition to the paint and stain, our costs would have come in just shy of $600. And if we would have had a professional come in and do the work for us, it would have been even more expensive.
But thanks to some pre-planning, hard work, and creativity on the part of my handyman hubby, and some extra time over the summer to complete the project, we were able to pay just $70 cash for a brand new staircase!
Katie and her husband, Nick, are young professionals, both working full-time and pursuing graduate degrees at a local university. They enjoy remodeling their new home and saving money on anything and everything. In their spare time, they enjoy couponing (well, Katie does!), bike riding, taking their dogs to the dog park, and traveling.
Have you saved up and paid cash for something — large or small? Submit your story for possible publication here.
Q&A: How did you get over your fear of public speaking?
Did you go to a class or group to learn how to speak well in public? I am trying to start my own business and need to speak to advertise at different groups and I get violently ill. Not a good trait for an entrepreneur! I’ve attended your seminars at conventions and wonder how you started with public speaking. -Lisa
Hi, Lisa! Can I just encourage you that I know almost exactly how you feel?
In fact, it’s really quite comical that I (of all people!) am answering a question on public speaking. You see, ten or twelve years ago, public speaking would have been first on my list of “Things I Dread With a Vengeance”.
The handful of times I had to do a tiny little bit of public speaking in the first 21 years of my life, I was absolutely paralyzed with fear ahead of time. I’d be sick to my stomach. Not able to sleep. Not able to think about much else — for weeks before each little speaking gig! And each of those handful of times I got up to give my little speech, it was very poorly executed and I was visibly shaken.
After I got married, I decided I’d avoid public speaking if at all possible since I loathed it so much. This stance worked pretty well for about seven years. And I figured that, as it stood, I was on track to being able to pretty much always avoid having to make a fool of myself in front of a crowd again.
Facing My Most Dreaded Fear
But that all changed about three and a half years ago. I was asked to speak on a panel at a blogging conference. I love blogging and talking about marketing and blog strategy, so the more I thought about it, the more I realized that I didn’t think a panel would be all that bad. So I said “yes” — even though it was outside my comfort zone.
Three months later, I found I was slated for the panel plus the opening night keynote session!!! Talk about having a panic attack.
I’d never given more than a five-minute talk before, so I’m not sure what possessed me to go through with the keynote. But I did it — and I’m so glad I did now, even though I read the entire talk word for word, shook the whole time, and it can rightly be classified as one of the worst speeches ever delivered.
None of that mattered when I was finished though. Because I had done it. I had faced my most dreaded fear in the face and I HAD BEATEN IT!
Maybe I’d just barely survived. But I had survived. And that gave me hope, excitement, and amazing courage.
{That’s me giving my very first talk at the conference I mentioned above. I don’t think I really moved from behind the podium and I mostly gripped it for dear life the whole time!}
Learning to Enjoy Public Speaking
In addition, something crazy happened when I stepped off that platform: I realized that public speaking no longer seemed like the most awful thing in the world. In fact, there was a tiny part of me that actually enjoyed it.
As God began opening up more doors for me to speak, my husband and I both felt this was His leading… so I started slowly saying “yes” to a few opportunities. Each time, I was shaking in my boots. But each time, it got a little better and a little better. And, as the opportunities continued to come in, it fueled my desire to practice and hone the skill of public speaking.
The past three years have been a journey of growth and stretching for me. Stepping outside my comfort zone, making mistakes, and learning as I go.
I’m far from arrived and still have much to improve upon when it comes to my public speaking skills, but I actually now look forward to each opportunity and find so much joy in standing up and sharing what I’m passionate about with others. That’s downright amazing progress for a gal who used to avoid public speaking at all costs!
Here are some things I’ve learned in the past three years:
Just Do it — And Keep Doing It
This sounds ridiculously simple — and it is! — but it’s true: The best way to become a speaker is to just go out there and speak.
Accept just about every opportunity that comes your way — whether it’s speaking at the nursing home, giving a little talk to a group of children, teaching a class at the local community center, or sharing at a small women’s group. The more you can be in front of audiences practicing your material and trying new approaches, the better.
Practice, Practice, Practice
When you are first starting out as a speaker, practice more than feels necessary. I try to practice new talks from start to finish at least two to three times before delivering them. This includes using my slides, keeping my notes where I plan to keep them, and having a live audience.
Yes, you need to practice in front of a live audience of at least one or two people (preferably someone who will make you feel uncomfortable). I promise you’ll be glad you did!
Attend a Speaking Conference
Attending the She Speaks Intensive in January was one of the best things I’ve ever done as a blogger. Not only did I get to sit under amazing speakers and learn from them, but I also met Michele Cushatt (my speaking coach — more on her in a moment), got connected with Brian Scheer & Joy Groblebe (who have mentored me over the past seven months and recently became my managers — so thrilled to be working with them!), and met Ruth, Angie, Kathi, and Renee — dear, dear women who have all become close friends.
So yes, attending a speaking conference was right up there at the top of my list of Best Things I’ve Done As a Blogger! 🙂
By the way, if you’re looking for a speaking conference to attend, I’ve heard amazing things about the SCORRE conference and plan to attend it in 2014.
Hire a Coach
As I said a minute ago, I met Michele Cushatt at the She Speaks Intensive. I hired her as my speech coach shortly thereafter and she’s changed my entire approach to speech preparation.
Michele quickly taught me that I was going about things all wrong. You see, blogging and speech writing are two entirely different things — but I was trying to go about them in the same way. And that’s why it wasn’t working!
From Michele’s coaching, I’ve learned how to start with one key message I want people to leave with and how to clearly flesh that message out in a way that will resonate with my audience. She’s helped me pare down my massive lists of things I want to share in one talk and just hone in on a few major things.
The thing I love most about working with Michele is that she serves as a fantastic sounding board for me. We usually spend about an hour on the phone going over each new talk I develop. She listens to what I want to convey, challenges me on points she thinks are weak, and encourages me to dig deeper as a storyteller.
Having a speech coach has made a major difference in the quality of my speeches and it’s given me much greater confidence in my delivery. I can’t recommend a coach highly enough!
Ask for Critiques
Once you’ve gotten some practice under your belt, ask a few people you trust to sit in on your talks and give you candid feedback. Liz, my road manager, sits in on every single talk I give. Because she gets to hear the same talks over and over again (bless her!), she can give me invaluable feedback each time.
We usually have a debrief at the end of every speaking engagement. She gives me honest thoughts on what parts of the talk worked well and where I can improve. Having this input has been incredibly helpful!
For more advice, I highly recommend watching Chris LoCurto’s short video on how to become a better speaker. The trick he shares here really works!
What advice and encouragement do the rest of you have for Lisa? I’d love to hear!
OVER-SPENDING EVERY SINGLE MONTH?Grab these FREE Budgeting Sheets!
Click here to download!Ask The Readers: How can I save on groceries in a very rural area?
Ask The Readers: How can I save on groceries in a very rural area?
Today’s question is from Dani:
I live in a very small rural town in Nebraska — only 2,800 people. We only have 2 locally-owned grocery stores (Alco and Dollar General) and lots of small businesses. We don’t have a Sunday newspaper with coupons and I am 3 hours from the nearest Aldi, Walmart, or bulk food store.
I see the articles about how people can save thousands of dollars by shopping at Aldi or use coupons and I want to cry. Is there anyone else in my situation that has found a way to save money on groceries? -Dani
Do you have a question you’d like to ask Money Saving Mom® readers? Read the submission guidelines and submit it here.
How to Become More Organized and Excited About Life
I was honored to join Tracy and Chelle from Clutter Interrupted for their podcast this week. If you are feeling overwhelmed and exhausted in life right now, you’ll want to turn this podcast on while you’re cleaning or exercising or folding laundry this week.
In it, you’ll learn:
- The key attitude you need to have if you want to transform your life.
- Simple strategies for becoming more disciplined and organized — that anyone can implement!
- A small change I made in my day that had a positive domino effect on many areas of my life.
- One of the reasons I’m most excited about blogging here at MoneySavingMom.com.
Listen to the podcast here.
By the way, if you haven’t gotten a copy of my ebook, 21 Days to a More Disciplined Life, it’s available here.
Note: If you are in a place in life where you’d love to read the ebook but you can’t afford to pay for it, just email us through the contact form here and we’ll send you a PDF copy free of charge.
Gretchen’s CVS Shopping Trip: $19 worth of products for $1.14 out of pocket
Gretchen’s CVS Shopping Trip: $19 worth of products for $1.14 out of pocket
CVS Shopping Trip
2 Colgate Total Toothpaste – $2.99 each
Used 2 $1/1 coupon from the 9/8 SmartSource insert1 CVS Probiotic – $9.99
Used $2/1 CVS probiotic coupon from the in-store coupon machine (I received this last week.)Used $13 ECBs from previous shopping trip
Paid $1.14 out of pocket (tax only!), Received $9.99 ECBs (for buying probiotic) and $4 ECBs (for buying Colgate)
Total before coupons, sales and ECBs: $19.21
Total after coupons, sales and ECBs: $1.14 plus $13.99 ECBs leftover
Make It From Scratch Challenge: Pancake Muffins (Day 2)

So I promise I won’t make chocolate things every day this week for the Make It From Scratch Week, but I couldn’t help myself since I was so eager to try the On the Go Pancake Muffins.



{Silas got the muffins tins really well greased! :)}

{Yes, I need some help with my stained muffin tins — if you have any great suggestions, I’m all ears!}
I thought the On the Go Pancake Muffins were decent, but they didn’t wow me. I think it’s because I decided what I like best about pancakes is that buttered griddle flavor.
Have any of you tried this recipe? I’d love to hear what you thought of it.
Are you participating in the Make It From Scratch Week? If so, link up your blog post about today’s Make It From Scratch Project. Don’t have a blog? Tell us about what you made in the comments.
Gretchen’s Walgreens Shopping Trip: $36.83 worth of products for $7.16 out of pocket
Gretchen’s Walgreens Shopping Trip: $36.83 worth of products for $7.16 out of pocket

Walgreens Shopping Trip
Transaction #1
2 Garnier Fructis Hair Styler – $3.49 each
Used 2 $1.50/1 coupon from the 8/11 RedPlum insert1 Burpee Lettuce – $0.29 (filler item)
Used $2 Register Rewards from last week’s shopping trip
Total with tax ($0.52): $2.79, Received 3,000 Balance Reward points
Transaction #2
3 L’oreal Advanced Hair Care – $3.99 each
Used $5/2 printable
And used $2/1 printable3 Colgate Optic White Mouthwash – $3 each
Used $3/3 coupon from the Walgreens September Savings booklet
And used 2 $2/1 coupon from the 9/8 SmartSource insert
And used $1.10/1 printableRedeemed 3,000 Balance Reward points ($3) from Transaction #1
Total with tax ($1.50): $4.37, Received $3 Register Rewards
Total for both transactions before coupons, sales, Balance Rewards and Register Rewards: $36.83
Total for both transactions after coupons, sales, Balance Rewards and Register Rewards: $7.16 plus $3 Register Rewards leftover















