Archive for the ‘Saving Money’ Category

It’s that time of year again…

time to start thinking about holiday cards! I was ecstatic to find my Christmas card list from last year (maybe I *am* getting a tiny bit more organized…), so now I just have the difficult decision of which card to send.

Fortunately, I already know the best place to get the cards. We have loved using Shutterfly for cards and invitations in the past, and had every plan to use them again this year. Then I discovered that they offer 50 free cards to bloggers. You can’t beat getting something you were already going to buy for free!

I have spent the last few days looking through the 2093 pictures I have taken this year and realizing just how few family pictures I have. Resolution for 2011: take more family pictures.  My goal for this Thanksgiving weekend is to get a great family picture, and then to get cards ordered soon.

One thing I love about Shutterfly’s card selection is that they have such a large variety of cards, and they are sortable by so many options. I can easily narrow down my card options according to how many pictures I want to use, or what colors are in my pictures.  Shutterfly also has several options for what sort of card to send — including 4×8 photo, 5×7 photo, or folded 5×7 cards.

I love brown…

Most Wonderful Story 5×7

And the two photogenic guys in my life love red…

 Keep Believing Christmas Card

Love the simplicity of this one…

Modern Joy holiday card

And the message of this one:

  Celebrate Family Christmas

I also love that Shutterfly offers cards whose purchase benefits nonprofits such as the American Lung Association.
Tree of Hope 5×7 folded card

Whichever card you end up choosing (and there are SO many more options on the Shutterfly site), you will end up with a promptly delivered and high-quality card.  I can’t wait to see which card we end up choosing, and I’d love to know your favorites too!  Browse around at their site — I hope you have as much fun as I have!  Hurry — their Cyber Week sale ends December 1st!

Disclosure:  I have recieved reimbursement for this blog post in the form of 50 free cards from Shutterfly.  All opinions in this post are mine only.  Are you interested in blogging and receiving some free holiday cards?  Sign up here!


Black Friday

I LOVE Black Friday. My husband and I have a tradition of shopping together on Black Friday and then eating breakfast afterwards.  It does vary a bit depending on where we are for Thanksgiving that year, or what gifts we are looking for. There have been years we’ve planned a strategy for where to go and what to buy in advance… and years we have just gotten what looked fun at the moment. We loved it because we could get better presents for others for less money (and not because we are stingy… because we are usually shopping on a budget!) This year, with much of our shopping done, we are looking more at items to get for ourselves for Christmas, stocking stuffers, and a few random gifts.

I have found that shopping on Black Friday is not the chaos that many imagine it to be (note: that is only if you avoid Best Buy and have a plan for Walmart). Yes, the lines are long… but it is amazing how much people will help each other out.  A kind of camaraderie is formed with others who are queued up in the pre-dawn, trying to stay warm and swapping sales ads.  Despite the media’s portrayal of the negative aspects, I have found there is more good than bad.

Here are a few lessons we’ve learned over the years:

  • Wal-mart matches competitor’s ads (which is great when you don’t want to drive to the toy store that is 30 minutes away).They also open first (that may depend on where you live)… and have really long lines… and are definitely the craziest place to be.  Please don’t base your opinion of how nice people are on Black Friday on solely a Wal-mart experience.
  • K-mart is open on Thanksgiving Day.  So is Walgreens.  And they have great specials on that day.  Walgreens is the place to go for cheap ribbons, bows and paper!
  • Forget about shopping carts… they just slow down the process.  Unless you are looking for electronics, of course.
  • Best Buy or any parking lot near a Best Buy is insane.  You can go there… but don’t expect to go anywhere else.
  • Old Navy has great sales (though we were quite disappointed in their selection of boys clothing last year)… and they make waiting in line a lot of fun!

What are your thoughts on Black Friday? I know some people who love shopping for bargains… some who hate the crowds and chaos (not to mention lack of sleep)… and some of see it all as too much commercialism or even greediness on the part of retailers and consumers. Do you shop the sales? Do you sleep in? Do you watch the kids so their parents can shop? What’s on your wish list this year?  Do you have any tips or traditions you would like to share?

(Whatever you do… just don’t let this happen):

(Oh, and I am thankful for having most of my shopping done and having a husband who likes to shop with me!)

Simple Life

When my husband and I first married, we had no choice but to live frugally. I was grateful that I had learned so much from my mom (who raised a family of 6 on one income) about couponing and rebates.. but moreso that my parents taught me the value of buying only what you need.   I’ve learned over the years that it is important for us to be as debt-free as possible (I’d say debt-free entirely minus the mortgage… but the last few months have taught me that is not always possible) and to spend our money wisely. For example, once we were able to buy a home we opted for a townhouse and mortgage payment which was well below what the bank said we could afford (though I must admit that I have no idea how we could have afforded what they thought we could afford!) I have been very grateful for this decision over the past 4 years as we have weathered multiple job losses and income fluctuations with no minimal worries about how we will pay the mortgage. So far, we are making it.

I am not as much into couponing as my mom was, or as I have been at other times of life. Part of that is that I have started shopping at Aldi (which doesn’t accept coupons) and that I tend to cook from scratch(ish) moreso than buying processed foods that have coupons available. (Plus, I’ll admit, I just haven’t taken the time to do so!) I have lately started paying more attention to money-saving blogs and sites such as or I’ve loved being able to receive a few freebies by blogging as well (a few books, at this point).

I realize that couponing and blogging are just part of the overall philosophy that has led to living frugally. For me, it is freeing to know that, even though there are times it doesn’t feel like a choice, this IS a lifestyle I have chosen. I am all for anything that simplifies life… and for me, simplifying the spending does that. I’m still working out what all that means to me (and our family… because sometimes it is too easy to not get everyone else’s input). I know part of it is reducing the clutter (ugh) in addition to following the budget. The upcoming holidays are a great time to start doing both.

Forwarding to you a blog post I found today and particularly liked. I am going to copy the post here to save you a click… but the original post can be found here.

8 Useful tips on how to prepare yourself for a frugal life in 2011 (reposted)

If you face trouble to manage your finances in the ever expanding cost of living, you may think of cutting down expenses. However, cutting down expenses is not the only solution; you need to change your lifestyle as soon as possible in order to survive the increasing expenses of 2011. In case you are facing monetary crisis the best way to do away with this crisis and also remain out of it in future is to start living a frugal life in 2011. Thus, go for a frugal living and stay debt-free as well as stress-free in 2011. This article provides you with information you need to know in order to prepare yourself to live frugally in 2011.

  1. Get clutter-free – If you want to start living frugally clear out the clutter in your house, it will not only save you money that you may have to pay for your extra storage, it may also help you gain some extra cash by selling out the things you will never need.
  2. Eat frugally –Avoid buying packaged and processed foods as they are much more costly. Purchase cheaper cuts of meat. Buy fruits and vegetables in season. Do not go out for grocery shopping unplanned as it results in more unexpected purchases. Make sure to make a list and buy only the essential things required.
  3. Don’t buy books – It may sound weird but it is better not to buy books when you can simply borrow them from the library. In case you do not re-read your books, it is better to get them from the library instead of wasting dollars on them.   (Melody’s note:  Not buy books?  Well… okay, I refuse to not buy books but I do have standards for what I will buy and what I will borrow.  I put them in the comments after a fellow book lover commented on this item!)
  4. Don’t buy DVDs – Don’t waste your hard-earned money by buying new DVDs when you can simply subscribe them from Netflix (US). Such a subscription allows you to watch movies of your choice but with a reasonably lower monthly fee.  (Melody’s note:  I have so many DVDs I want to get rid of… which gets into that making family decisions and not just my wants part of decluttering!  I also have to note I make an exception for Disney DVDs!)
  5. Buy second hand items – Buying second hand furniture, rug, waffle makers and night lights may help you get real treasures sometimes though at a terribly affordable rate. (Melody’s notes: I also have to throw in a plug for second hand Christmas gifts and children’s items!  No, not re-gifting… but we have gotten some great gifts in previous years for our little boy through using Craigslist and similar.  Plus an amazing deal on a twin bed and mattress!)
  6. Use one car – It is better to go for one car even if you have two or more cars. It is one of the expensive items that you posses and it may have various expenses related to it like maintenance and fuel. Thus, it is better to use one car as it will be more manageable for you.
  7. Smaller house – Even if you can afford a large house, it is always wise to go for a smaller one. You can easily save money and also still be comfortable even if you have a smaller house to live in.
  8. Use free entertainment – Frugal living does not mean, you have to sacrifice all the happiness of your life. Go for entertainments that are cheap and save money while you have some fun.

I’m thankful today that I don’t have to figure all of this out on my own… and so thankful that I have learned as much about saving, spending and simplicity as I have along the way!

Coupons, coupons, coupons… loving saving money!

I have turned into my mother.  I think I am well on my way to embarrassing my children in the grocery store while price-matching/couponing/rebating.  However, I do draw the line at carrying thousands of coupons into the store and having a complete shoebox organizing system for rebates (I love you, Mom, even though I am sure you are not even reading this blog!).  I do seem to spend too much time trying to stretch a dollar though…

Here are some of my finds over the past few months:

Aldi — I *love* Aldi!  They don’t accept coupons but the prices are worth it.  I shop there mainly for produce (except for sweet potatoes… had a bad experience there!) and the things we almost always need on hand and can’t wait for sales on (sugar, everyday spices, milk, lunch meat, cheese, eggs).  They also have generic Goldfish (Sharks) and an amazing boxed pasta salad (which I haven’t bought yet but tasted and fully intend to buy next time I go!).  My love for Aldi’s goes far above the good prices though.  They are a haven for shopping with a preschooler.  No coupons means a shorter checkout time for me and their pretty small stores means less time going up and down aisles.  Smaller stores also means shorter checkout lines (I have only once been in a line with more than 3 people) and a smaller parking lot.  A few Aldi’s tips for newbies — they don’t take coupons, bring a quarter to get a shopping cart (they have a corral at the front of the store and you deposit a quarter to get a cart and then get it back when you leave), and bring your own bags (cloth or from other stores)  or come prepared to buy theirs.  I highly recommend their cloth bags — the one I have is HUGE and cost $1.99. — a site where you can add coupons to your store card (Kroger here) and not have to carry coupons around! — Coupon matchup sites are great… but it is so nice to have someone local doing matchups because it is *so* frustrating to see a great deal that is not available to you! — coupons galore.  Print them out and use them at the store just as you would regular coupons. — look here for any online coupon codes you need!

I tend to do couponing/rebating in spurts so I am trying to get a bit more organized about it.  Right now I am just shopping Aldi for deals, shopping for 30-day-meal items on sale and good deals at Kroger, and doing rebates if I happen to stumble across a great one… which is basically never right now since I am not even looking and Walgreens stopped doing rebates!

Some great finds of today’s grocery shopping at Kroger (thanks to some sites above!):

  • Ronzoni Smart Taste Pasta $1.25 ($.75 if you buy 8 participating items in their March Madness event… I recommend buying DiGiorno pizza at $3.99 and Simply Orange orange juice at $2.99 as well!) — paired with coupon from ronzonis.comFREE!
  • Yoplait Delight yogurt — $2.00 — paired with $1 coupon at = $1.00 for 4-pack of yogurt bliss! 🙂
  • And be sure to check out Pillsbury products — Grands biscuits, breadsticks, pizza dough, etc. — buying them gets you $$$ off your next purchase and there are tons of coupons out there for them.  If you don’t get the Sunday paper you can find coupons at  This held true for me even though I bought the sale items that didn’t advertise money back on the price tag.
  • Off to Aldi tomorrow to buy the things I didn’t get at Kroger today!  I’ve had an expensive few weeks grocery shopping trying to stock up on some things (like chicken breasts on sale at Kroger last week!) but I know it will pay off in a few weeks or on those weeks when it seems like nothing is on sale.