Wednesday, December 31, 2008
Honestly, I have so many pots on the fire right now that I haven't really had time to sit down and think about them. But here are some of the one that I do have:
1. Get into Hill College and complete most of my basics so I can get into nursing school. I have been so frustrated with this school I could scream, I applied and had my transcripts sent the week of Thanksgiving and they still haven't updated them in their system so I still can't register for classes. They are closed this week, so I will be on the phone first thing Monday morning trying to get this resolved.
2. I want to make $100 a month online to add to my special savings account.
3. I want to be a better mother, wife, and friend. This year has been so great. We are back in church, I've had three of my children get saved, my relationship with my husband is stronger than ever, and I have made some wonderful friends this year.
4. I want to grow my blog.
These are the top of my list, but probably not in that order. What are your new year's resolutions? Post them here and I will help to keep you accountable. Please help to keep me accountable.
Thursday, December 25, 2008
Sunday, December 21, 2008
Or if your like me, get caught up on the clipping and filing and sorting!
- A One Subscription to Emealsforyou.com - $36 Value
- A 4oz Bottle of Skin MD Natural Lotion - $18 Value
- A Avon Gift Package - $20 Value
- The Guardian by Dee Henderson - $12.99 Value
*To top it off, the Lotion arrived with 7 additional unused postage stamps - $2.94 Value
TOTAL WINNINGS = $89.93, not a bad week!
Friday, December 19, 2008
This is incredible easy, anyone can do it! Get Paid to Blog At Today.com!
Please keep her in your Prayers!
Wednesday, December 17, 2008
"I miss your great grocery deal blogs!!! Any good deals lately??"
Honestly, I miss my grocery deal blogs too. Things have been pretty crazy lately with hubby out of town, kids being sick, friends needing me, and well the sales have been horrible, so I just haven't been doing any grocery shopping. I am in full blown gotta get Christmas together and I should have started a lot sooner mood. Not to mention there are just so many wonderful giveaways right now that I can enter from the comfort of my warm and cozy home, I HATE the cold weather, part of the reason I live in TX.
I promise as soon as Christmas is over, the grocery deals will be back. Cuz, well, while I had a great stock pile, things are getting a little low. Hopefully the sales will pick back up, I'm asking Santa for another Mega Sale for Christmas!
Which store deals are the most beneficial to you. I mean, I love sharing all of my deals, but I want to make sure that I am prioritizing what helps everyone else out. So, let me know.
Monday, December 15, 2008
Saturday, December 13, 2008
Days Like These is hosting three seperate giveaways!
1. Poingo Starter Set (retail value $39.99) - ends 12/15
2. Avon Holiday Boutique (2 Pockets Galore Bags, stuffed full of fabulous stuff) - ends 12/15
3. SkinMDNatural Lotion - ends 12/15
Blogmania is giving away Progresso Gift Baskets - ends 12/13
Savings Chatter is giving away a handstamped silver pendant - ends 12/14
Nickels-N-Dimes is giving away Estee Lauder products ($100 value) - ends 12/17
The Thrifty Mama is hosting two giveaways!
1. Set of 4 Charlie Brown DVDs - ends 12/14
2. $10 Barnes and Noble Gift Card - ends 12/14
I hope to have some really great things to bring you in the way of earning online, in addition to creative ways to save.
I hope to share posting a week update on my progress, how much I have saved, how much I have earned, what I have one, and what I have done tohelp my families finiances in the future.
But I what to know what you what to see. So please leave a comment and tell me what you really what me to post. Do you want to see frugal meals, or maybe survey sites that I participate in? Do you want to see how I budget my finances or what my coupon binder looks like. Please let me know and I will work on sharing that information with you!
If you have a blog and have readers, blog advertising is a great way to generate some extra income and possible earn a living. You are already writing about services and products you love and think your readers will enjoy you might as well get paid for it. Right? Right! There are several great companies out there that make this super easy for you.
Paying Post is one of my favorites. They have just launched the second version of their web-site. The new site was designed for easier navigation and faster loading, so even if you aren’t seasoned this site is very easy to use and understand. This company is still relatively new so there is plenty of time to get in on the ground floor and a great place to get started in the world of blog advertising. They offer opportunities ranging from $5 - $35 and with a low $50 payout it doesn’t take forever to receive a payment. Another feature that I like is that they offer things that I haven’t seen before. Like; they offer a $25 bonus to best post per period. What a great incentive to put your best foot forward. Within 24 hours of signing up I had an opportunity available to me. And, in addition to all of that, they have a blog packed full or resources and information to help you. Oh, and did I mention that they offer an affiliate program? Every time I think I have Paying Post all figured out I find a new little gem that they offer.
So, if you are looking to get into the world of blog advertising, Paying Post is a wonderful company to work with. Signing up is very easy and I heard back from them within 24 hours with my approval. Like I said they are an amazing company, so take a few minutes and go sign up today and start making so extra money!
Friday, December 12, 2008
Thanks Nickels-N-Dimes for sharing this deal!
Thursday, December 11, 2008
Here are your random numbers:15
Timestamp: 2008-12-11 16:27:02 UTC
How fun, I have not heard of this book...looking forward to reading it!! :)I love all that Christmas means, this year it will mean that both of my boys will be home!
December 4, 2008 12:10 PM
Congratulations Traci.... I am so happy your boys will be home this year. I will be sending you an email shortly.
Thanks to all that participated. Wishing you all a very BLESSED CHRISTmas.
Wednesday, December 10, 2008
On the right tool bar you will find links to sites to request free sample and coupons. I recommend making an email account just for these purposes because you might get spam mail, but you will get some greta coupons and samples to try.
On down towards the middle of my blog onthe left you can sign up for free purell hand sanitizer.
And the on the left there are several links to surveys sites that I am using to make some extra money online. Again, I suggest making an email account just for surveys, that way they all go to one place and when you have time to work on them, you just open that email account and check to see which surveys you want to participate in.
Tuesday, December 9, 2008
walgreens coupon $0.99
+ $1.00 from 11/16 insert.
Final Price FREE
Dove Beauty Bar
walgreens coupon $0.99
+ $1.00 from 11/2 insert.
Final Price FREE
Maybelline Lipstick and liner is BOGO, that should be about $6.99 for two.
If you have two of this weeks 12/7 paper this is a coupon for $4 off one maybelline lipstick of liner!
Final Price $1 overage!
What that means for us, lots of chances to win a $500 giftcard to walmart. Just visit the links below and enter to win, make sure you read the rules for each contest as they do vary a bit.
My best money savings tip! Stay out of the Stores. You can't spend money in the stores if you don't go in the stores.
Elevenmoms are: (and yes, there are really 20)
A Cowboy's Wife
Common Sense with Money
Deal Seeking Mom
From Dates to Diapers
Green Your Decor
Keeping the Kingdom First
Mommy Brain Reports
Skimbaco - The Lifestyle
The "Cent"sible Sawyer
The Domestic Diva
To Think is to Create
Monday, December 8, 2008
At Walgreens they are $4.99.
So, buy 2 @ $4.99
Use 2 $4 off coupons from 12/7 insert
= Free with possible overage depending on your cashier
I'm not sure of the pricing at CVS, as I haven't made it out yet
But buy 2 products that are less than $4 and use 1 coupon, or buy 2 products that are over $4 and use 2. = 2 free plus possible overage
In most cases I get the overage, however, if you store doesn't want to give you overage just ask them to adjust down the coupon and you still get two products free.
Blair.com has a coupon code available right now for a FREE umbrella and Matching Tote plus Free shipping with any order using coupon code QK2.
This coupon can be used in combination with the purchase of any item including their clearance selection. They have a large selection of $2.99 items.
To sweeten this deal, sign up for Ebates! Get $5 for signing up, then 5% of your total making this a really sweet deal.
Starting the first of the year, I will be tracking all of the giveaways I enter and what I won. My goal is to win most of Christmas for next year, but we'll see what happens. I have won so much stuff in these last few months that I think it will be well worth my time to continue to enter giveaways as I find them.
My question to you is, do you want to see my progress along with the giveaways I enter on this blog, or should I start a new blog just about giveaways!
Either leave me a comment or email and let me know what you think.
Saturday, December 6, 2008
I won a $5 gift card this morning! This was the third day that I tried, but my efforts paid off. You can enter once a day so go try to win your gift card. Click Here for your chance to win.
* You do have to confirm your prize by clicking on a link that they email you.
" Anonymous said...
I thought this blog was about frugality until I saw your Christmas lists. Ha! I suppose everyone's "frugality" is different that's all. Did you mean that your lists was just what they wanted or that you actually intend to deliver?"
Yes, that was their wish list, they will get some of those items, but not all of them.
I want to clarify that I frugal but I still like and enjoy very nice things. I just don't want to pay retail for them. I live in a very nice home, drive nice cars, I have nice jewelry, the big screens, ect... I'm not giving up my lifestyle style, I'm just obtaining the things we want or need in the most frugal manner possible.
I'm not furgal because I have to be, I furgal because I choose to be. In the past people who were frugal were thought of as poor or lower middle class, and that just isn't the case any more. We are normal everyday people that are choosing to keep more of our money in our pockets.
Before I left the corporate world, I was a Purchasing Agent. It was my job to get the product or service at the lowest possible price without giving any on the quality. I have adapted this to my family life and am teaching others to do the same thing. Anyone can be frugal. By being a smart confuser you are keeping more of your money in our own pocket so you can afford those nicer gifts. Last night hubby and I were in WalMart picking up a few gifts, I was behind a lady purchasing groceries using coupons and price matching, she was carrying a Coach purse, had on True Religion jeans, and some killer boots, and I noticed in the parking lot that she was crawling into her Lexus SUV. Did she need to use coupons and price matching, I'm going to go out on a limb here and say no.
I like to think that I am a smart consumer.
Friday, December 5, 2008
The first step I took to organize my finances was to open multiple checking and savings accounts. Today, we are going to start looking at the different checking accounts I have and why.
I have four separate checking accounts.
1. His – Hubby pay check gets directly deposited into his account. Every Friday morning, I log in and transfer his paycheck less $150 into my account. The money left in this account is his to do with as he pleases no questions asked.
2. Mine – My account is where our grocery money, field trips, gifts or anything that is not a definite set amount, including my spending money is kept. As long as our needs are meet and there are groceries in the pantry/freezer this money is mine to spend as I see fit.
3. Bill Account – We deposit the same set amount into this account each Friday. All of our bills are then paid electronically through this account. More on this in a future post.
4. Online Offer Account – Because we have done away with all of our credit cards, I need a debit card for the online offers that I do. I keep a very small amount of money in this account and it is only used for online offers. More on those later.
Why do I need so many accounts? I have found that our money is better managed when we aren’t both dipping from the same pot. I don’t have to stress that he will go by an ATM and pull out a few hundred $ and see a large balance and start spending not knowing that I just mailed off the house, car, and truck payment.
This works for us, but may not work for others. In our home, hubby isn’t involved with any of the bill paying. He knows what the big ticket items are and realizes that everything else cost money but has no idea who I need to pay and when. He just knows that it gets done. The burden of the sole responsibility was very stressful to me until I set up separate accounts and felt I had better control over our spending habits.
That's right, if I don't pay by the due date, I am charged a late fee of $16. While $16 isn't a lot it does add up.
Let's take a look at my bills for example:
Truck Payment - $35 late fee
Tahoe Payment - $35 late fee
Electric Bill - $16 late fee
Water Bill - $7 late fee
Phone Bill - $8 late fee
Rent - $5 a day late fee
So, if I were to pay my bills late this month it would cost me an additional $106, I'm not sure about you, but I could do a lot with $106.
Back when I was regularly paying my bills late we also had several credit cards that were $29 a pop if they were late. I know some people look at it in a way that as long as they pay before day 30 then it doesn't effect their credit, I no longer see it that way. You have just added $29 to your statement, if you couldn't afford the regular payment, can you afford to send in an additional $29, probably not. So now you are paying interest on the $29, so you loss again.
The moral of this post is that it can be very costly to pay your bills late.
Week 2 (Sunday 12/14) - 11moms4uA
Week 3 (Sunday 12/21) - 11moms4uN
Week 4 (Sunday 12/28) - 11moms4uT
Week 5 (Sunday 1/4/09) - 11moms4uA
So, if you are trying to email me and I'm not responding I didn't get your message.
Email me at firstname.lastname@example.org
Thursday, December 4, 2008
I think the most important thing to do to keep my motivated to savings it to have a goal that I am saving for. I'm not sure yet if I want a certain dollar amount goal, or a "I want to buy that and it's $X" kinda of goal. I am trying to decide what will be more motivating for me. The key to savings is to find what works for you and do it your way.
To keep me even more motivated I will be postig my progress here for you all to see! Yikes! I am hoping that this in itself is enough to keep me motivated.
I hope to have the details worked out soon, I have to talk a few things over with hubby, as I will need his support to accomplish my goals.
So what works for you? Do you have any saving goals?
Wednesday, December 3, 2008
Tuesday, December 2, 2008
So tonight we are having Oven-Fried Pork Chops, Scalloped Potatoes, and Corn
Pork Chops = $1.98
Scalloped Potatoes = FREE
Frozen Corn = FREE
butter, milk, pepper, egg, and bread crumbs (for Pork Chops) = $.75 or so
TOTAL = $2.73
Well, among other things on my Tackle It list today is to get all of the lights on my Christmas tree so the kids can decorate it tonight after dinner.
Nevermind, that my tree is pre-lite. It just didn't come with enough lights, and I really like the pearl lights that I add, I admit that during the day they don't do wonders for my tree, but I am very much a tree light snob and refuse to leave them off!
Oh, and did you notice that it looks like my tree is going through my ceiling? Well, it kinda is. You see last year, I purchased my beautiful 9' pre-lite Christmas tree that retailed for $600 for $200 during Black Friday and at that time I had 12' ceilings. This year is another story. My new home only has 8' ceilings so my poor hubby had to do some tuggin and pushin to get my tree up this year, I just could bring myself to purchase another one. I plan on making a very large bow for the top of my tree so hopefully it won't be that noticable.
Now, I need to go work on the rest of my Tackle It Tuesday list: wash the sink of dishes, turn over the laundry, make my bed (shh don't tell hubby, I don't make it as soon as I get out of it), sweep the floors, and wrap some gifts before it is timet o pick up the kids from school.
So far this is kinda what I have in mind:
- Money Making Mondays: I will post about something I do that earns my family a little extra income or feature a site with money making ideas
- Grocery Deals - The highlights of the grocery sales
- Giveaway Roundup
- Saving and Budgeting ideas
I think these changes will benefit us all. I will have a routine, in addition to my regular post that I should be able to keep up with, and you will know when you can visit to find the information that you are looking for.
- Happy New Year's Eve Everyone
- Merry Christmas!
- No COUPONS!
- What I've Won This Week!
- Free Fruit Roll-Ups!
- A Neat New Way to Earn A Little Cash!
- Circumstances Change
- I Miss My Grocery Deals Too!
- Tales of A Tightwad is hosting a GiveAway!
- Free Entertainment Book!
- Give Me More GiveAways!
- Looks like a Great Coupon Weekend!
- Well, Things Have Been A Little Crazy!
- Are You Ready To Advertise?
- JCPenney Sale Saturay Dec 13th
- Circuit City has Free Digital Frames
- KB Toys is Going Out Of Business
- Aeropostale Coupon Code Today Only...
- Free Winter Health Samples!
- The Winner of My First GiveAway Is......
- A New Look!
- Walgreen's Deals 12/7-12/14
- Nickelodean sponsors $500 Walmart GC Giveaways
- Aeropostale Online Sale Today Only
- Freebies at Target!
- Free Maybeline Lip Products
- Free RedBox Movie Code
- GiveAway Reminder!
- Sweet Online Deal At Blair!
- I need your feedback
- Get your Chevron Gift Cards
- I'm Frugal, Not Cheap!
- Budgeting - Getting Started
- Save Money Avoid Late Fees
- RedBox Movie Codes
- Sorry, Things Have Been A Little Crazy
- Free Johnson's Buddies Bar
- Save $3 on Disney DVDs
- Another Free Razor
- Saving Money in the New Year
- New Blinkies In Stores This Week!
- Free $10 From Coinstar
- Cheap Pork Chops For Dinner
- Tackle It Tuesday!
- My New Free Knives!
- I need ORDER!
- ▼ December (47)