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Shared Mar 14, 2013 comment

Free Pillsbury Pizza Dough + Free Oscar Mayer Meat = Beef & Cheese Pockets!

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Free Pillsbury Pizza Dough + Free Oscar Mayer Meat = Beef & Cheese Pockets!

Published: by on   |  This post may contain affiliate links. Read my disclosure policy here.

So I showed you yesterday how I picked up free Oscar Mayer Roast Beef and got paid for buy Pillsbury Pizza Crust. Well, I thought you might like to see what I did with it last night.

I chopped up the roast beef and shredded some cheese.

Then, I had to face my fears of opening up the canned dough… which is the very worst thing of all about buying canned dough. {Am I the only one who has this irrational fear?}

I tried. I really did. But in the end, I ended being too much of a coward and had Kathrynne “pop” them for me. {She was all, “Mom, I LOVE popping canned dough cans!” Apparently, she didn’t get that gene from me!}

I rolled out the dough and sliced it into six pieces…

…And sprinkled each piece with some chopped beef and shredded cheese.

Then, I folded the sides in and then were ready to stick on a pan and bake.

I didn’t get a picture of any of the baked Beef & Cheese pockets, but they were a hit last night. If you wanted to add some extra flavor, you could dip them in barbecue sauce — yum!

I love coming up with creative uses for what I get free or very inexpensively at the grocery store. It makes shopping and cooking a fun adventure!

If you’re looking for a healthier, non-processed Pizza Pocket recipe, be sure to check out my Homemade Chicken Salsa Pockets Recipe and my Homemade Pizza Pockets Recipe.

Coming up later, my freezer cooking session pictures and what I did with that bag of Kale!

Money Saving Mom
Shared Mar 14, 2013 comment

Do It Yourself: Paper Lined Envelopes

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Do It Yourself: Paper Lined Envelopes

Published: by on   |  This post may contain affiliate links. Read my disclosure policy here.

StayAtHomemadeMom.com shows you how to make homemade Paper Lined Envelopes.

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.

Shared Mar 14, 2013 comment

How to Plan a Weekly Menu in Less Than 10 Minutes

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How to Plan a Weekly Menu in Less Than 10 Minutes

Published: by on   |  This post may contain affiliate links. Read my disclosure policy here.

Is menu planning something you dread? It doesn't have to be with these easy tips to help you plan a menu in just 10 minutes!

Guest post from Sarah of Early Bird Mom

For a while, I had been planning out all our meals a week at a time: breakfast, lunch, dinner and snacks. It didn’t take a lot of time and it was nice to take a glance at my menu and know what to cook.

But over the past few months, this practice had fallen by the wayside and my family was getting tired of the same couple of stand-bys for dinner.

So even though I didn’t want to, I reluctantly wrote “Menu Plan” on my to-do list the other day.

Why do I dread menu planning?

The menu planning itself isn’t that difficult. The problem, I think for me, is that making a menu reminds me of all that cooking! Somehow I think if I don’t make a menu, the cooking will take care of itself; of course nothing could be further from the truth!

If you also dread menu planning, here are two quick tips to help you plan your menu in 10 minutes or less! 

1. Start with a previous menu plan.

I pulled up an old menu plan on my computer to refresh my memory. I like saving old menus on my computer – they are a great source of inspiration.

I deleted a couple meals from the menu that didn’t interest me this week. Then I filled in the breakfast column. Breakfast around here is usually oatmeal, eggs, smoothies or brown rice with brown sugar and milk. By this time, I’m halfway done! I’m gaining momentum!

Then I checked my calendar to see if there are days when we need a crockpot dinner or when we might have extra time for baking. A couple more entries go on the menu.

Note from Crystal: If you don’t have any old menus to look at for inspiration, you can check out my weekly menu plans.

2. Take note of foods you already have in the house.

I quickly looked downstairs in our second fridge and realized there was a lot of cauliflower that needed to be eaten – this will work for Tuesday’s side dish. I decided to thaw some chicken for Wednesday. Tonight will be Tilapia since we have lots in the freezer.

I filled in the remaining blank spots with a couple more of our favorite recipes.

That’s it! I’m finished.

All in all, this took less than 10 minutes of my time — and I feel a lot better about the cooking for the week.

The cooking still has to be done whether or not I plan ahead, but it sure is nice to know ahead of time what I am going to make for dinner.

What are your tips to quickly plan a weekly menu?

Sarah is happy to have a loving husband and 4 of the most rambunctious boys you’ll ever meet. She blogs at Early Bird Mom all about helping moms get more done at home and in home business.

Money Saving Mom
Shared Mar 14, 2013 comment

Early to Rise Challenge: Find What Motivates You

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Early to Rise Challenge: Find What Motivates You

Published: by on   |  This post may contain affiliate links. Read my disclosure policy here.

Welcome to the Early to Rise Challenge! Throughout the month of March, I’m challenging myself and my readers to make the most of their mornings. So every week day morning at 9 a.m. EST, I’m posting a short Early to Rise post. I’ll share a few of my thoughts on the day’s passage from Early to Rise, tell you what time I got up that morning, and encourage you to leave a comment to tell us what time you got up and how you’re doing on the challenge.

Find What Motivates You

I thought it was interesting that Andy talked about getting up early for a flight in today’s reading from the Early to Rise book — because that is exactly what I had to do this morning! My alarm clock went off at 4:15 a.m. and while it took me a few minutes to rouse and get up, I had to get up — or miss my flight to South Carolina (I’m speaking at the Southeast Homeschool Convention this weekend)!

It’s amazing what we can accomplish when we are highly motivated. To be successful at rising early, it helps to discover what motivates us to get up.

For me, I’m motivated to get up by a few things:

1. I know that I’ll be glad I did later. If I’m tempted to crawl back into bed, I remind myself of the benefits I’ll experience later on in the day if I get up and get moving.

2. I love the early morning quiet. I love my children to pieces, but there’s something very refreshing and energizing about starting the day with quiet. I use the first 20-30 minutes of the day to read my Bible, pray, write in my gratitude journal, and sometimes read from a devotional book. This prepares my heart and mind for the day ahead.

3. It gives me a jumpstart on the day. When I wake up early, I always feel like I have a lot more time in the day. If I wake up when my children do, I feel like I start the day already behind.

4. I love coffee. My morning cup of coffee is something I look forward to and savor. But please, make sure it’s with milk and sugar. 😉

What motivates you to get up in the morning? And if you’re not very motivated to get up in the morning, what changes could you implement to help you become motivated to get up?

What Time Did You Get Up This Morning?

I got up at 4:18 a.m. in order to catch my early flight to South Carolina.

What time did you get up? Leave a comment and let us know!

Join in the Chatter!

Want to blog about this challenge? If you’re blogging through this challenge with me, be sure to leave your link to your direct post for today below. Plus, if you’d like to post your daily posts to the Early to Rise Group Board on my Pinterest page, just shoot me an email (moneysavingmom @ gmail dot com) and I’ll invite you.

Want to follow along on Twitter or Instagram? Each week day morning on my Facebook Page, my Twitter account, and my Instagram account, I’ll be posting a picture of my alarm clock as public accountability. I’d love to have you do the same or join in the discussion on Twitter and Instagram. Just follow hashtag #EarlytoRise to see what others are tweeting and Instagramming about this challenge!

 

Money Saving Mom
Shared Mar 13, 2013 comment

Today’s shopping trips: Dillon’s and the health food store

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Today’s shopping trips: Dillon’s and the health food store

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I had an errand to run this afternoon, so I popped into Dillon’s and the health food store since they were right by where I was. And I found a few bargains!

Dillons’ Shopping Trip

Pepsi Next — used free coupon
Kale — marked down to $1.29
Marked-down Bananas — $0.61
Oscar Mayer meat — used free coupon
Yoplait yogurt — used free coupon
2 tubes of Pillsbury Artisan pizza dough — on sale for $1.25 each, used 2 $1.50/1 coupons = free plus overage

Total with tax: $1.70

Stay tuned tomorrow for my post on what I’m going to do with the Kale and Pizza Crust. And no, I’m not using them both in the same recipe. 🙂

Health Food Store Shopping Trip

Gala apples — $0.99/lb.
Blueberries — $1.99

Total with tax: $4.54

Have you gotten any great deals on groceries this week?

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Money Saving Mom
Shared Mar 13, 2013 comment

I Paid Cash: A Trip to England

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I Paid Cash: A Trip to England

Published: by on   |  This post may contain affiliate links. Read my disclosure policy here.

A testimony from Katrina who owns Edelweiss Patterns

A few years ago, I was most pleasantly surprised to hear about a dream trip to England — a tour that focused on London and Bath, studied historical costume at some world-famous museums, and included a weekend at the Jane Austen Festival!

As a long-time fan of British history and literature, I thought this sounded like a once-in-a-lifetime opportunity. But looking at the costs involved, I knew I would have to do some serious saving to make it happen.

After talking with my family and working out a budget, I committed to going, and paid my deposit. The next ten months were spent working hard and spending very little, but the luxurious trip to England made it all worth it!

In fact, I saved enough to have several hundred British pounds of spending money — and I even had to transfer quite a few pounds back to American dollars once I got back to the States! The memories I made on that trip will never be forgotten, and these are the principles I followed to save what I needed:

1. Keep tithing!

As a pastor’s daughter, my parents had raised me with the firm belief that you cannot withhold your money from God and expect your finances to be blessed. Even when it seems that you need every extra dollar, God is the one who has given us the money and the least we can do is give Him 10% (Malachi 3:8-12).

2. Pay your bills and save the rest.

After tithe, I would pay my monthly bills and leave the rest of my paychecks alone. If it wasn’t an actual bill, it didn’t need to be paid for or purchased!

3. Cut all clothes spending.

I know, this is a very hard one! Believe me, as a total fashion enthusiast and historical costume fan, it was very difficult to see the new spring styles coming out and know that I couldn’t get anything.

In addition, it was tempting to buy fabrics to make clothes (no, you can’t save much money that way, but it sure is fun!) But I’m happy to say that despite working retail during the entire year, I stayed quite disciplined and did no “impulse” shopping.

Even though you may not have the type of wardrobe we’d like, you can still make do with the clothes you have when there’s a real goal in mind. It did mean that I really needed to purchase some new things once I came back from the trip, but you know what? That’s okay!

4. Buy your makeup during promotional sales.

I didn’t want to cut this from my budget, but I put forth effort to buy it as inexpensively as possible. At my local malls, the major makeup brands have big promotions every couple of months where if you spend a certain amount (usually $20), you get a whole promo bag of makeup.

At the time I used mainly Clinique, and when I would purchase my facial cleansers through them I would end up with a bag of lipstick, lip gloss, mascara, and face creams. One time I was nearly out of lipstick and the “free” bag I received had a bright red tube of lipstick in it — just what I needed!

5. Work as hard as you can.

While I usually didn’t work full-time, a promotion I got in my job over the course of that year meant that I had a new department to work in. And that department needed all the help they could get!

While I might have usually worked around 26 hours a week regularly, I was soon being scheduled for 30-40 hour weeks because they could tell that I loved what I was doing and did my absolute best on the job.

I know it doesn’t seem like a lot of fun to go work 8 hours days on a sunny Saturday when the rest of your family is going on an excursion up the mountain, but if you really keep your goal in mind it makes it so much easier!

In the end, I had paid cash for the entire trip a couple of months before I had to leave. It felt so good to write out the final trip payment directly from my checking account!

I had also transferred several hundred dollars into British pounds, paid cash for my airplane ticket, and (finally!) purchased fabric to make my costumes for the Jane Austen Festival.

The resulting trip to England was beyond anything I could have imagined! My tour group visited many landmarks in London, studied at the Victoria & Albert Museum, toured Kensington Palace, saw Jane Austen’s house in Chawton, and had the most marvelous time at the Jane Austen Festival in Bath.

At one point I felt like I had stepped into a BBC adaption of “Pride & Prejudice”, with the whole town of Bath filled with ladies and gentlemen in Regency costumes. Besides touring fashion museums, having afternoon tea, and attending historic churches, we also were privileged to attend an English country dance. It was marvelous!

Well, four years later, I have now signed up to take the same tour again in 2013. So you know what that means? I’m saving like crazy! It may mean giving up a few things between now and then, but I can promise you that it will be totally worth it once I get back to England.

Katrina is the owner of Edelweiss Patterns, which specializes in vintage Sound of Music costume patterns.  When she’s not designing patterns, she blogs about her historical and retro costume reproductions, participates in swing dancing, and enjoys the gorgeous Pacific Northwest where she lives. 

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

Money Saving Mom
Shared Mar 13, 2013 comment

5 Steps to Start Your Day With a Better Attitude

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5 Steps to Start Your Day With a Better Attitude

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I’m over at Keeper of the Home today sharing five steps to start your day with a better attitude.

And I also link to two of my favorite get-me-moving songs that I listen to almost every single morning.

Money Saving Mom
Shared Mar 13, 2013 comment

Ask the Readers: What should I do with extra cash at the end of the month?

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Ask the Readers: What should I do with extra cash at the end of the month?

Published: by on   |  This post may contain affiliate links. Read my disclosure policy here.

Today’s question is from Sarah:

I just started doing the money envelope system for my house budget, and at the end of the month, I have some extra money! I’m wondering how I should use this extra cash? Should I leave it in the envelope for a month that may have more expenses, put it towards a debt, or something else? -Sarah

Do you have a question you’d like to ask Money Saving Mom® readers? Read the submission guidelines and submit it here.

Money Saving Mom
Shared Mar 13, 2013 comment

Early to Rise Challenge: Focus on Other People

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Early to Rise Challenge: Focus on Other People

Published: by on   |  This post may contain affiliate links. Read my disclosure policy here.

Welcome to the Early to Rise Challenge! Throughout the month of March, I’m challenging myself and my readers to make the most of their mornings. So every week day morning at 9 a.m. EST, I’m posting a short Early to Rise post. I’ll share a few of my thoughts on the day’s passage from Early to Rise, tell you what time I got up that morning, and encourage you to leave a comment to tell us what time you got up and how you’re doing on the challenge.

Focus On Other People

Today’s reading in the Early to Rise book is on how you can change your life by living it to bless others. Getting up early is a great way to not only prepare yourself for a wonderful day, but also to help you be more organized so you have time in your life to bless others.

Think about it: if you’re always living life at breakneck speed with no time to breathe, you’re probably not going to have a lot of room or energy in your schedule to bless others. But if, on the other hand, you start your day off a little earlier and you have a plan of attack (and you actually follow through with that plan), you’re going to find that your days are not only more calm, you also have more enthusiasm for life. This enthusiasm will fuel your ability to bless others more.

I loved that a number of you said yesterday that one of the benefits of getting up early has been that you are a more cheerful person. I so agree (though if you get up late, don’t let that be an excuse for having a bad attitude, okay?).

You know what a direct by-product of a cheerful attitude is? Blessing others. Whether you intend to or not, when you are cheerful, it is going to be contagious.

What are you going to do today to bless someone else? Tell us your plan in the comments.

What Time Did You Get Up This Morning?

Me? I got up at 6:40 a.m. Not as early as I would have liked to, but I stayed up too late last night prepping for this weekend’s trip, so I set the alarm for 6:30 a.m. this morning… and then, ahem, I had a little trouble actually getting up when it went off.

That’s life sometimes, though. And I’m determined to have a great day today, even if it started out a little later than I would have liked.

What time did you get up? Leave a comment and let us know!

Join in the Chatter!

Want to blog about this challenge? If you’re blogging through this challenge with me, be sure to leave your link to your direct post for today below. Plus, if you’d like to post your daily posts to the Early to Rise Group Board on my Pinterest page, just shoot me an email (moneysavingmom @ gmail dot com) and I’ll invite you.

Want to follow along on Twitter or Instagram? Each week day morning on my Facebook Page, my Twitter account, and my Instagram account, I’ll be posting a picture of my alarm clock as public accountability. I’d love to have you do the same or join in the discussion on Twitter and Instagram. Just follow hashtag #EarlytoRise to see what others are tweeting and Instagramming about this challenge!

 

Money Saving Mom
Shared Mar 12, 2013 comment

How I Keep My Email Inbox to Fewer Than 5 Emails

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How I Keep My Email Inbox to Fewer Than 5 Emails

Published: by on   |  This post may contain affiliate links. Read my disclosure policy here.

I’ve always been pretty fanatic about keeping my email inbox cleaned out.As a result, for the past few years, I’ve deleted diligently and filed fastidiously, and this has worked alright.

However, the more email I received, the more I started dumping things into my “To Answer Later” file. This file would soon fill up with 50 to 75 messages that needed to be addressed — some that required a significant amount of time to deal with (a lengthy form that needed to be filled out for something or other, information that needed to be gathered and emailed back, an article I needed to write and submit, etc.)

I made it my goal to deal with my To Answer file on Saturdays. But this stopped working efficiently as the number of emails in the To Answer File grew. Some Saturdays, I wouldn’t have time to answer the emails — which then meant their number was doubled the next week.

As a result of not being able to find a big time block to deal with these emails, I’d often miss important deadlines and opportunities. These unanswered and undealt-with messages hung over my head like a dark cloud, constantly making me feel behind and unorganized.

Clearly, I needed a new system! So, at the beginning of this year, I drew a line in the sand and made some significant changes to my email system.

The result? Not only am I hitting Inbox Zero almost every single day, I’m also much more productive and efficient with my email time. Plus, I’m answering emails much more quickly than I ever used to!

Here’s what has worked for me:

1. Unsubscribe Ruthlessly

I started examining every single email list I was subscribed to. I’d ask myself, “Have I found something from this email list to be valuable in the past few months?” If so, I wouldn’t unsubscribe.

In just about 90% of the cases, I realized I was deleting the emails from each list as they came in every week — or as much as every day. Sure, I’d delete them immediately, so it’s not like it was clogging up my inbox.

But why was I wasting minutes every single day deleting emails that I didn’t care anything about when I could take 5 seconds to unsubscribe and never see an email from that company in my inbox again? Such a revolutionary thought, I know. 🙂

In all honesty, though, it was something I’d not given a lot of thought to. I’d just delete, delete, delete. However, since taking a week to unsubscribe from 90% of the lists I was signed up to, I’ve realized how much time and inbox space this is freeing up!

For example, it used to be when I’d check my email in the morning, I’d have at least 40-60 new emails, the bulk of which I’d delete. Now, it’s unusual for me to have more than 20 each morning. Most of those 20 are emails that need to be responded to or in some way dealt with. But instead of having to go through my email first thing and delete a bunch of unneeded emails. Now, I can just start responding to emails right off the bat!

I have figured out that just the act of ruthlessly unsubscribing is saving me a good five to 10 minutes of time every single day. That doesn’t seem like too much, until you multiply that out over the course of a week (35 to 70 minutes), a month (150 to 30 minutes), or a year (1,825 to 3,650 minutes). That’s a lot of minutes saved!

Stop the Social Media Insanity!

Please do yourself a favor and unsubscribe from all notifications you possibly can from social media. You can always go look up and see who your new Twitter followers are or who left you a comment on Facebook. You don’t need those notifications interrupting your workflow throughout the day. I promise you will survive just fine without them!

2. Use the Delete Button Liberally

The delete button is your friend. Use it as your secret productivity weapon. If you don’t need an email, just delete it. Right now.

If you think you might need some of the information on it in the future, then just use the handy-dandy feature on GMail and archive. {You are on GMail, right? I am convinced is the best productivity email service on the planet!}

For those of you who currently have 35,000 emails in your inbox, the delete button needs to become your very best friend. Today. To save yourself the extra time and effort, check out Unroll.me. One of my readers recommended it on my Facebook Page this morning and it looks like a fabulous way to deal with a huge load of emails in an efficient manner.

Save Yourself a Little Time With Send & Archive

Have you added the Google Send & Archive option to your email? This saves you the step of having to send an email and then delete it. Just press Send & Archive and your email is sent and archived. Ta-da!

3. Set Up Filters Fanatically

Maybe you can’t unsubscribe from an email, but you can always filter it — provided you have GMail. I use filters for affiliate notifications that I can’t turn off, junk email that I can’t subscribe from, and more.

I also have filters set up for submissions to my site. So if you submit a deal or a guest post, those go in a separate folder that I check when I’m posting deals or reviewing guest posts. This keeps them in an organized place that I can easily access, without taking up real estate in my inbox.

4. Deal With Email Immediately

I saved this suggestion for last, because this is truly what has revolutionized my inbox. Before my “Inbox Revolution”, I filed things that would take longer than a minute or two to answer.

This truly only just resulted in a bulging To Answer File. Yes, it wasn’t in my inbox, but it was still weighing me down because I knew it was lurking there waiting to be dealt with.

At the beginning of the year, I decided to change my strategy and stop filing any email in my To Answer file for a few weeks. I was amazed at how this forced me to be more efficient!

I stopped asking myself, “Should I file this to answer later or take the time to answer it now?” Instead, I just answer the email right then and there, if at all possible, and then delete it.

Usually, there are a few emails that will require longer answers. In that case, I’ll leave those few in my inbox until I have a longer time-slot to deal with them. But I try to not let anything stay in my inbox for longer than a few days, preferably a few hours.

By adopting this strategy, it’s opened my eyes to how much time I was wasting just moving around virtual files and furniture, rather than just getting the job done.

How I Keep My Email Inbox to Fewer Than 5 Emails

A. Check Email

B. Immediately Delete Any Emails That Don’t Require Opening or Answering (such as someone just responding with a one-sentence confirmation)

C. Unsubscribe From Any Subscription That Has Still Made It Into My Inbox

D. Open and Deal With All Emails

  • Respond to those requiring only a few-sentence response first.
  • File emails that need to be filed (such as a deal that someone submitted via email rather than through my deals submission form).
  • If time, respond to as many emails as possible that require a lengthier response. Oftentimes, I find that it doesn’t take me at all as long as I think it will if I just dive in and start writing!

E. Never Allow There to Be Any More Than Four Emails In My Inbox <— This has been key for me. If there are more than four, it means that I highly prioritize email answering above other computer work.

What tips & tricks do you have for taming your email inbox?

photo credit; photo credit

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Money Saving Mom
Shared Mar 12, 2013 comment

The Homemade French Bread Flop

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The Homemade French Bread Flop

Published: by on   |  This post may contain affiliate links. Read my disclosure policy here.

I’m beginning to wonder if I’m a homemade French Bread failure. Because every single recipe I’ve tried so far has been a disappointment.

Which makes me wonder whether it’s more the baker than the recipe itself. Ahem.

I was all determined to try yet again yesterday. I searched online, found what looked to be a winner recipe, and I got to work dumping the ingredients in the bread machine.

About an hour later, I checked the bread machine and saw that the ingredients hadn’t really moved at all — even though the bread machine was on, the pan was fully locked in place, and the paddles were installed. (Yes, those three things have been the culprits in the past when I’ve had issues with my bread machine not mixing up the dough!)

Then I realized that the paddles weren’t all the way locked in. Aha!

So I got the paddles fixed and restarted the bread machine cycle. I thought all was well.

The dough looked beautiful and it rose wonderfully. But in my haste (since I was delayed by the bread machine hiccup), I think I under-baked the bread even though I thought it was done when I took it out of the oven.

The final result was edible, but I didn’t love the taste or texture at all. And it’s far from the amazing loaf I was hoping for!

So I’m back to the drawing board again… and I’d LOVE any amazing French Bread recipes or tips you want to throw my way. Because clearly I need all the French Bread help I can get.

Someday, someday, I’m going to be a Homemade French Bread pro. In the mean time, I’ll keep experimenting and hoping that the next recipe I try becomes the winning ticket.

In the mean time, though, I can attest to the winning nature of these bread recipes. I’ve made them all multiple times and they are family favorites:

My Favorite Homemade Bread Recipe

My Sister’s Bread Recipe

Homemade Breadsticks in the Bread Machine

Homemade English Muffin Bread

Bread Machine Buttery Rolls

Bread Machine Cinnamon Rolls (not really bread, but these are so good that I have to include the link for those of you who have yet to discover their yummy goodness!)

Have you had any recipe flops recently? I’d love to commiserate with you! 🙂

Money Saving Mom
Shared Mar 12, 2013 comment

Save money on baby & kid items by shopping at Moms of Multiples sales

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Save money on baby & kid items by shopping at Moms of Multiples sales

Published: by on   |  This post may contain affiliate links. Read my disclosure policy here.

Katie emailed in the following tip:

Before our twins were born, we learned about a “Moms of Multiples” club that held a resale in our area. I went to the sale with my husband, and we were able to find almost everything we needed for our newborns (pack ‘n plays, swings, bouncy seats and more) for just under $200. If we had purchased these items new, we would have spent well over $1000.

Across the country, “Moms of Multiples” clubs frequently have sales where they sell gently used items for babies and children. Most clubs publicize their sales by posting fliers, emailing, and word-of-mouth.

You can use this website to find upcoming sales in your area. If you don’t have any sales in your area, you can search for “Moms of Multiples” clubs in your area as they might know of another nearby sale. You can also visit the National Organization of Mothers of Twins Clubs site to find a club in your area.

Money Saving Mom
Shared Mar 12, 2013 comment

By Getting Our Finances in Order, We Were Able to Say “Yes” to Adoption

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By Getting Our Finances in Order, We Were Able to Say “Yes” to Adoption

Published: by on   |  This post may contain affiliate links. Read my disclosure policy here.

Testimonial from Beka of Unconventional Homemaker

My husband and I were married in 2005 and kept two separate checking accounts for our two separate incomes. My husband knew there must be a better way to handle money — so being his frugal man, he went to the library and found a little book by Dave Ramsey called Priceless.

It was the shortest book we’d ever read! Yet it got us on the same page and gave us new ideas. We immediately combined our bank accounts, like any married couple should do, and sat down to do our very first budget.

We went to the bank, filled our envelopes with cash, and started our game-plan using the cash envelope system.

By Getting on a Budget, We “Found” an Extra $300 Per Month

With that very first month of budgeting, we found an extra $300 we didn’t even know we had! Since we had already cleaned up the couple of tiny debts we had, we figured we might as well put that $300 as an extra principal payment on our mortgage. Might as well pay that 15-year loan off in 12!

It didn’t stop there though, we kept putting extra money on our mortgage, month after month after month. The snowball effect started happening to us! We saw that our mortgage could be paid off in 10 years… then 9… then 7.5!

Three Years of Sacrifices Was Completely Worth It

We began selling anything and everything on Craigslist and putting every dime (after giving) from bonuses straight onto that puppy. You know what? From the start of that very first budget until the mortgage was paid off in 2009, was just three years!

Three short years of sacrifice — minimal restaurants, older cars, tightwad vacations, thrift store shopping, garage sale hunting — and we were done with all our debt. Praise God!

Some people might not want to sacrifice for three years, but honestly, it was the best time of our lives. We had fun teaming up together and finding the cheapest ways to live. It was a blast and we’ll never forget the memories we made by doing it.

We’re Debt Free!!

You ought to have heard my “We’re Debt Free” call on The Dave Ramsey Show, I was over-the-top enthusiastic and also a total corn ball. It was amazing! (I must just turn really corny when I talk to Dave, because a few years later we stopped at his office to meet him and right when he came out I yelled, “Cheeeee-tahhh!”)

People often want to know what life looks like for us since we have no mortgage, no debt. The obvious differences are that we are able to give a lot more money away to those in need. That’s definitely the best part of not being tied down to payments every month. Secondly, we’re able to invest heavily in our retirement and our children’s educational funds. The third thing we were doing was saving up to buy a rental property.

But then it happened… In September 2012, God, in an enormous way, opened our eyes and our hearts to adoption. We already have three biological children but it pained us so bad to know that there are little ones going to bed with no one to tuck them in at night. There are nearly 150 million orphans suffering while we live in our 2,000 square-foot warm home. Surely we can take just one.

Saying “Yes” to Adoption

So we stepped out in faith and said “Yes. Yes, we will take in a little one who has no hope. Yes, we will give of ourselves to raise this little one. Yes, yes, yes!”

If we had not paid off our mortgage and built up our savings to buy a rental, we may not have said “Yes” to adoption. Of course, finances should not be the main concern when considering adoption (there are grants, scholarships, fundraising, and many other possibilities out there), but our situation sure did put us in an easy position to say “yes”.

Two weeks after we started the process to adopt, my husband and I looked at each other and said, “Oh, we didn’t even talk about how we’re going to pay for this, did we? I guess we’re getting a child before we get a rental!”

Thanks to starting that budget, sticking with it every single month, and letting God tug on our hearts, we’ll be traveling to China this fall to pick up our little boy! An orphan no more!

Beka is a homeschooling mom of three (almost 4!) children ages 5, 3, and 1; their 2 1/2 year old boy will be joining their family this fall. She blogs at Our Eternal Treasures about their upcoming adoption and at Unconventional Homemaker about wholesome living.

Money Saving Mom
Shared Mar 12, 2013 comment

Early to Rise Challenge: Swim Upstream

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Early to Rise Challenge: Swim Upstream

Published: by on   |  This post may contain affiliate links. Read my disclosure policy here.

Welcome to the Early to Rise Challenge! Throughout the month of March, I’m challenging myself and my readers to make the most of their mornings. So every week day morning at 9 a.m. EST, I’m posting a short Early to Rise post. I’ll share a few of my thoughts on the day’s passage from Early to Rise, tell you what time I got up that morning, and encourage you to leave a comment to tell us what time you got up and how you’re doing on the challenge.

Swim Upstream

The Day 12 reading in the Early to Rise book was very inspirational — especially since I tend to be an “out-of-the-box thinker”. I don’t like following rules made by experts. And if you want to motivate me, tell me something can’t be done! 🙂

Early rising tends to be a bit of an “against the flow” mentality. Most people would prefer to stay in bed and sleep rather than get up and get moving at an early hour.

Now, I’m not saying that sleeping in is always wrong. If you need sleep, by all means, get that sleep. But if you’re just sleeping in out of laziness or lack of discipline, I wholeheartedly encourage you to start challenging yourself to make earlier rising a priority.

I’ll just be really honest here: it’s pretty much never fun to get up early. And I often second guess my sanity for the first few minutes after my alarm clock goes off.

But a few hours into the day, I never, never regret getting up early — even if I’m a little tired. Why? Because my day goes much more smoothly, I get so much more done, and I’m not running around like a chicken with my head cut off feeling overwhelmed and behind. Getting out of a warm bed when I still feel a little (or a LOT!) tired, is a small price to pay for the benefits I reap later on in the day.

What benefits have you experienced so far as a result of getting up early? I’d love to hear how this challenge has helped your life and about any difference you’ve seen by making an effort each morning to get up early.

What Time Did You Get Up This Morning?

Me? I got up at 5:34.

What time did you get up? Leave a comment and let us know!

Join in the Chatter!

Want to blog about this challenge? If you’re blogging through this challenge with me, be sure to leave your link to your direct post for today below. Plus, if you’d like to post your daily posts to the Early to Rise Group Board on my Pinterest page, just shoot me an email (moneysavingmom @ gmail dot com) and I’ll invite you.

Want to follow along on Twitter or Instagram? Each week day morning on my Facebook Page, my Twitter account, and my Instagram account, I’ll be posting a picture of my alarm clock as public accountability. I’d love to have you do the same or join in the discussion on Twitter and Instagram. Just follow hashtag #EarlytoRise to see what others are tweeting and Instagramming about this challenge!

 

Money Saving Mom
Shared Mar 11, 2013 comment

52 Different Ways to Save $100 a Year: Cut Your Own Hair {Week 10}

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52 Different Ways to Save $100 a Year: Cut Your Own Hair {Week 10}

Published: by on   |  This post may contain affiliate links. Read my disclosure policy here.

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

While this is one of those often-encouraged frugal tips, this series wouldn’t be complete without it. Because, truthfully, you can save a LOT by cutting your own hair at home… or having a family member do it for you.

My Own Hair-Cutting Adventures

For years, I didn’t go to a hair salon — not even an inexpensive one. I couldn’t afford to get it cut anywhere for some of that time and for the rest of the time, I just chose not to pay to get it cut because I wanted to save my money for other things.

My mom would trim my hair for length and then I’d cut layers in it. Did my hair look amazing? No. But it was decent and I had fun learning how to do layers and just play around with it.

Yes, I messed it up sometimes, but it was sort of an adventure. And I sure saved a lot of money by cutting my own hair! 🙂

Nowadays, I do go to a salon to get my hair done. It’s a splurge we budget for and I don’t feel one bit guilty about it. But I know if our budget and financial situation were ever to change and we needed to tighten things up, I could definitely go back to home hair cutting again.

If you are struggling financially, I’d heartily encourage you to consider cutting the trips to the salon until you get in a better financial position. If you don’t want to completely give up your professional hair cut, at least try to go as low as possible between each visit. Or, look for less expensive options (see below).

Practice Makes Perfect — Or Almost!

If you’re scared of the damage you might be able to do with scissors, instead of trying to give yourself a whole new ‘do, start small. Do simple trims of your boys’ hair (see a tutorial for trimming boys’ hair with clippers here) and try trimming your bangs or a small child’s hair.

Kikka says:

To get started you can watch free how-to videos on YouTube.com, look for a sale at your local beauty supply store (like Sally’s) to purchase what you need, do your research, and then give it a try! Just remember that practice makes perfect, or close to it. Also, the good thing about hair is that it does grow back! :) -Kikka

Creative Ways to Get Your Hair Done Free or Inexpensively

I loved this tip in ALL YOU magazine:

“I answer Craigslist ads looking for hair models to be used for salon interviews or for people who are building hours toward their certification. I no longer pay for hair cuts, straightening, hair color, or even highlights, and I always have nice results.” -All You magazine (April 27, 2012), page 117

Rhonda says:

Our children are grown now, but when our son was little, my husband cut his hair. As they got older, we all went to a cosmetology school where students cut hair at a greatly reduced price. It took longer, but the work was always inspected by the supervisor so you wouldn’t have uneven lengths, etc.

When my hair began getting gray in my 30′s, a friend showed me how to color it myself. I have been doing that every month since then, and have saved thousands of dollars I’m sure, compared to having a stylist color it. I buy a brand I can get at Dollar General, and once a month a newspaper coupon insert will have a $1 or $2 off coupon for it. So I average $3-$4 a month for hair color!

Another idea for haircuts is to check ad circulars that come in the mail. We usually have one for our local franchise hair salon for $6-$9 a haircut. Even with a tip, that’s less than $10 for a quick haircut which I get every 8 weeks or so. My husband has an electric hair trimmer that I use to shave the back of his neck, and he has bought a Flowbee hair system that he uses to cut his own hair. After 10 haircuts, it’s paid for itself.

If you don’t feel comfortable doing your own hair care, then perhaps you have a friend who cuts hair and will barter another service from you for that. Look around — there are many alternatives to high-priced hair care out there! -Rhonda

For tips on At-Home Hair Coloring, check out this post.

How Much Can You Save?

Well, that depends upon a lot of factors… like how many people you have in your family, how often you usually get your hair cut, and so on. But I can almost guarantee you that you’ll save well over $100 in a year — likely much more!

For instance, Kikka says: “We have found that if I cut my husband’s hair and he colors my hair, we are saving a minimum of $840 a year.”

Do you cut your own hair? If so, approximately how much do you save per year?

photo credit; photo credit; photo credit