Category Archives for "Frugal Ways to Save Money"

Frugal Ways to Save Money posts

How to Save Money by Using a Calendar

Did you know that using a calendar is a money saving tool that you can use and one of the best ways to save money?  I am so excited to share with you How to Save Money by Using a Calendar in your everyday life!  Plus, I am sharing some awesome printables to get you started!

Read these tips on how to use a calendar to save money. We have free printable 2019 calendar, weekly budget calendar and monthly budget calendar all for Free for you to print.

 

We all have on, in fact, you have a calendar on your phone, computer, and possibly a paper one. If you want a paper one, there is a free paper calendar in this post. The truth is you are most likely wondering how to save money using a calendar. The first thing I want you to do on your calendar is put events that are going to cost money. There are several events that will cost money: birthdays, anniversaries, medical appointments, car maintenance, mortgage payments/ rent, lights, water, ETC. In another color pen or pencil put in when you get paid. I would suggest putting what you get paid minus 20% you need to get in the mindset that you make 20% less and put that in the bank in three accounts. Long-term savings, and in case of an emergency account, and saving for something account. I place my 52 week savings challenge amount that I owe myself right on my calendar. It helps remind me to put back the things I really do not need.

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See How I Made $173 in 15 Minutes Each Year

This is a sponsored post written by me on behalf of Sponsored by Ebates. All opinions are 100% mine.

Save money when shopping online! See how I made $173 in 15 minutes each year.

Best ways to save money when shopping online. See how I made $173 in 15 minutes each year.

I love to spend less money almost as much as I love to shop. There is a correlation if I save more then I have more to spend. You can insert my husband’s eye roll here. We have a deal we set a budget that includes retirement savings and then there is a fund for other items. This has been true the entire time we have been together. This is something that made our journey to being debt free even easier and it started when we were in the military. I say we but my husband served our country I made sure my husband was fit for duty!

The question that people always asked is how did a teacher and a junior officer save enough to put a huge down payment on their first home? The answer is simple and I mean really simple. We figure out how to buy what we need at the absolute lowest price. What if I could tell you how to save $100 a year on the stuff you are already buying. Does that interest you? What if I told you that being military means you can double dip on discounts? Is that exciting?

I tell people about my shoe story. I bought a pair of shoes online. I had a friend and she bought the same pair of shoes. She paid $8 more for the same pair of shoes. You say it is only $8. She spent $32 and I spent $24. That is a big deal if that happened on every purchase she made. Look I do not want you to be the person that pays more for the items you want. I want you to be like us and be debt free. I will tell you my secret for saving. It’s the best way to save money when shopping online. Guess what it is free!

This year alone this very same secret helped me save $173. I took an average and every year that I have used this powerful tool. I saved $173.17. It took 15 minutes to use and that is on the high side.

That means I made the tool that helped me make $173 in 15 minutes is available to everyone. You do not have to be military to receive this discount. You do not have to shop at discount stores. You can shop at your favorite retailers like Walmart, Sephora, Macy’s, Amazon, eBay, Kohl’s, Target, Barney’s, and more!

Do you want to know how I figured out I could save even more on my purchases? I love to shop at places that honor and respect our military. I love that my secret tool helps me get an even bigger discount.

Yes, I will share with you how between my husband and myself we saved over $500 this year using EBATES.

Save money shopping online with Ebates

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Hurry Save Now!

Disclaimer: This post was sponsored, and paid for, by SunTrust. All opinions are my own.

Money Saving Tips for the Holiday Season

Holiday season is fun but the time for a lot of expenses. Read my money saving tips on how you can budget and save for the holidays.

I was sitting on the couch trying to figure out what paper went to what kid when I received a startling phone call from my husband. He was in between planes and he wanted to know what we spend a year. I, of course, answered with “money.” He told me to get serious because we have some big expenses coming up and we need to figure out how we plan to pay for them.

I was a little startled because we are debt free. We do not spend a lot of money, and we try our best to live below our means at $40,000 or less a year, but I thought he called because of a large unexpected expense. In reality he was planning for the cost of our child’s braces, which were $5200. That one hurt but we had a dental account for this very reason.

I spent the next 4 hours combing through my Suntrust checking account, his checking account, and our joint account. Then I called the power company to make sure I had my numbers in order because my account management leaves a lot to be desired. I put everything I had into the Suntrust Budgeting worksheet. The SunTrust budget worksheet from onUp.com is free and easy to use.Continue reading

Free Printable Wedding Budget Checklist

Free Printable Wedding Checklist

Free Printable Wedding Checklist

So you’re getting married?? Congratulations! One of the most important things to keep in mind (before you go crazy with wedding details) is to sit down with whoever is helping you pay for the wedding and make out a free printable wedding checklist. This will help you see what it is you can do with your budget. It will also help you set your expectations for your wedding with what you can and can’t do. So I thought I would share with you the free printable wedding checklist I used for my wedding! Enjoy!Continue reading

How to Afford Sports for Kids

“This post was sponsored, and paid for, by SunTrust. All opinions are my own.”

How to Afford Sports for Kids?

It happened. The things we had been waiting for. I was secretly hoping it didn’t happen. That she didn’t want to go through with it. I may have said, a small prayer. It wasn’t that I didn’t want my daughter to achieve her dreams. I just didn’t like what it did to me.

Isn’t it hard when you have to make choices that would benefit your children but deplete your bank account? How can you say no to “Mom, I want to try gymnastics.” You start to say, “Yes, by all means you may be the next Simone Biles but my wallet isn’t ready.”

I had gone to the website because all of her friends are doing it and now she wants in. And, she knows. It is too late to hide another activity. But, what it will cost? What will I give up to make it happen? Can I make it happen? These thoughts are running through my head like a train without sufficient tracks.

I type in the URL to the gym. I may have said a prayer to the frugal gods. It comes up $68 a month and $25 to register. I calculate the damage. $816 for the year plus $25 registration then there are the uniforms. Do not forget the gas to get to the location and the time spent away from my job. I breathe.

I take one of those long breathes that fills your lungs. I try to take in every bit of that oxygen as I exhale. I remember something that left my mind in that moment of panic. My husband and I have planned for this. We didn’t exactly plan for this sport, but we have put aside money for her activities. I have three kids so the question isn’t if they wanted to do sports it is when and how many? It is also how am I going to fit this into our tight budget? We know that having a child or children that play any kind of sports is expensive. You have fees and equipment to buy. Then you have travel expenses. It can be overwhelming if you do not have a plan. So we used the SunTrust budget worksheet on onUp.com to figure it out. Youth activities can cost more than $2,500 per year, and almost 40% of us spend more than $1,000 a year according to a recent SunTrust survey. We actually budget for $1,000 for each child. I know that sounds like a lot, but we often go over. They get sports instead of gifts.

I am not saying it isn’t worth it. I spend every weekend at some sporting event for my children, and I couldn’t be prouder. I know investing in sports teaches my children so many valuable lessons. It also teaches them the lesson of how to budget our money so we can afford to say yes, to cross country, gymnastics, travel soccer, and basketball. We can say yes to them pursuing of their dream without giving up our dreams of living debt free and having a bountiful retirement account.

This same SunTrust survey shares that, parents make tradeoffs to help children’s dreams come true. They sacrifice dining out (42%), shopping (35%), vacations (29%), retirement savings (21%), other savings (25%), paying off debt (27%) and upgrading their car (23%). I want to make sure that we don’t have to make too many sacrifices – I want to be able to save and take family vacations. That means using budget planning tools, like the one from SunTrust, and sticking to it.

SunTrust launched the onUp Movement to inspire many of Americans to take a step toward financial confidence. The onUp Movement is about having the confidence to move forward—one smart step at a time. I was able to say yes to every sport this year since we saved $275 of each paycheck. There is nothing better than watching your child shoot a free throw and run across the court forgetting that he has another one to shoot or watching your daughter score the winning goal. It is incredible to cheer your child on as they beat the last best time on the track, every second counts. You can reduce your stress and savor the moment by planning ahead!

Learn more on how you can save and afford sports for kids, visit SunTrust’s OnUp Movement.

This post was sponsored, and paid for, by SunTrust. All opinions are my own.

The One Thing You Should Do for Your Child that You Could

This is a sponsored post on behalf of Bloggin’ Mamas & the Florida Prepaid College Board. All opinions expressed are my own.

I recently had a conversation with my son. He wants an $800 cellphone because his “starter” cellphone isn’t good enough. I wonder did I buy him a cellphone to let me know he was on the bus and for him to call me when he was done with soccer or did I buy him a cellphone to keep up with the Jones? If you know me you know, I bought him the cheapest phone I could find that worked. You know why?

He doesn’t have a job. His phone doesn’t earn money, and I wanted to pay cash, and it would be a cold day in Hawaii before I would spend $800 on a phone for a kid. Why is it that this same mom wrote a check for thousands of dollars for something he will not even use for 18 years?

You see I like to spend money on things that matter. We live our lives with the big goals in mind. If I spend money on all the little things that do not matter the thing that matters most will be out of my grasp.

What matters most to me?

College.

Yes, college. I wanted to make sure my children have the ability to attend college and to graduate college debt free. We chose Florida Prepaid College. We were able to pay all three plans off before our oldest attended high school. We said “no” to many things along the way so we could say “yes” to the one thing that will never break, that will never get old, that will never lose value. We gave them the gift of an education.

Say no to things that don't matter so you can say yes to things that have value just like the gift of education for your children. Florida Prepaid College Savings Plan Open Enrollment is on until February 28, 2017. Use my exclusive code Deals1718 to save $25 off the application fee (normally $50) http://bit.ly/ragopenenroll #StartingIsBelieving #ad.Continue reading

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