Friday, October 24, 2014

8 Ideas to Save More Money


Thanks so much for joining me again.  I hope this week's posts have helped you or given you some ideas for how you can save money in real life.

I'm a big believer that a little bit of savings (even pennies) has the potential to add up to something big with a little time and consistency.  It takes a little bit of work and even a little bit of extra time added to your routine but I believe it can add up to some sizable money for your family.

The internet and your smart phone are chocked full of ways to save or earn a little extra money.

I've already touched on Swagbucks earlier this week.  If you haven't already opened a Swagbucks account, you totally should.  I've already earned enough to cash in for a $25 amazon gift card.

Gradible is another great website.  You earn credits on Gradible for doing tasks such as posting things to Facebook, reviewing e-books, writing blog posts, or even shopping.  The credits are called LOANCREDS because you can actually pay your student loan with them.  100 LOANCREDS= $10. I just found Gradible the other day and within a few minutes of joining I had earned my first 100 LOANCREDS that I applied to my student loan bill right away.  You can sign up for a Gradible account by clicking here.

For grocery shopping, which unfortunately I always have to do, I have several apps that I use to earn money on items that I am going to purchase anyway.  My favorites are ibotta, Checkout 51, Shopmium, and the Walmart Savings Catcher app.

ibotta is an app that gives you rebates for shopping.  I look at the app before I go shopping to see what the offers are.  Then I buy what I need and after I'm done I upload my receipt to the app and they give me the rebates that I have earned.  So far, I've earned $4.50 just from doing my everyday grocery shopping.  If you want to join ibotta, simply download the app and use my referral code to sign up. My referral code is jglxw

Checkout 51 is my favorite favorite because they are the app that rewards you for the most ordinary things like purchasing eggs and bread and salad mix.  They also are not brand specific, so you can purchase whatever brand of eggs you want.  It works just like ibotta in that you upload your receipt and then select the offers you want to redeem and they give you the money.  You can find Checkout 51 in the app store.  Using this app so far I've earned $6.00.

Shopmium is another shopping app.  The only difference with this one is that it has different offers (other than food) like magazines and office supplies.  I haven't earned a lot with this one, only $1.50, but it is great because you can link it to your paypal account and they deposit the rebate right away.  That's pretty cool.

Walmart Savings Catcher.  This app is like gold.  Seriously.  I pretty much live at Walmart.  The Walmart Savings Catcher app searches local stores and rewards you if the items you bought were cheaper somewhere else.  You upload your receipt and the app does the rest.  If they find an item you purchased cheaper at another store (within a certain mile radius), then they give you the difference back.  You earn the difference in reward dollars that you can then redeem for Walmart gift cards.  It's pretty sweet.  I've earned $5.13 back so far with this app.

Another way that I am earning money (which is the same as saving money to me) online these days is through tsu.  Tsu is a new social media site.  It's very unique in that the money that tsu earns through revenue and advertising gets shared with the users.  I've only been a part of tsu for a little bit and I've earned $0.12.  I know that's a small amount but I love the fact that I joined something when it first started.  I can't say that about any other social media site I'm a part of.  If you want to join tsu, click the link here.

One more trick that my husband and I are doing to save money is the 52 Week Savings Challenge.  I found this challenge on Pinterest a while back and we just started it a few weeks ago. The whole point of the challenge is to save a little money each week for 52 weeks, a year.  The instructions are to put away $1 for every week of the year that you are on, for example for week 1 you put away $1 and for the 12th week of the year you put away $12.  At the end of 52 weeks, you'll have saved $1,378.  We are about 10 weeks in and I love watching my money pile grow.

Another way to literally shave money from your monthly expenses (and time too) is to join a club like the Dollar Shave Club.  The Dollar Shave Club is a subscription service that delivers razor blades and other shaving supplies to your door for a few bucks a month.  Subscription services like these have the potential to not only save you money but also time because the items just arrive at your door. Other subscription services such as Amazon Mom can help you keep up with your baby needs and you can even have them drop ship paper towels and cereal to your door every month.

I'm all about saving time and money.  These are the ways that are working for me and my family right now.

Do you have ways that you save money and/or time for your family?  I'd love to hear your ideas.

To read the rest of the posts in this series click here.

(Disclaimer- This post does contain some affiliate links.  When you click on them, I may earn a small commission.  Thanks for your support.)

Wednesday, October 22, 2014

How to Spend $100 or Less on Your Baby Per Month


Today is the 3rd Installment in my real life savings series that I've been doing.

Today, we're gonna talk all things baby.

Babies are expensive.  The things babies need are expensive.  Today I'm going to share how I can get away with spending less than $100 per month to take care of our youngest little boy, Toby.

The expenses that I am including in this post are diapering and feeding.  I am not including doctor visits or medicine or clothing since those are not regular monthly expenses for us.

Two things that we do that greatly help our monthly budget with our littlest are making our own baby food and cloth diapering.

I never thought I would be that mother.  The one that would love to talk about cloth diapering and the one that would spend time pureeing her own food for her baby.  I actually remember giving one of my friends a hard time when she was pregnant and told me she was going to use cloth diapers.  I told her I thought she was crazy.

A few months later, when Alivea was about 14 months old, my husband and I decided that I would stay home full time with her.  Losing my income drastically affected our monthly budget and I had to find ways to cut costs.  I purchased a small starter kit of cloth diapers and after some research and some months of trying out different ways to wash them, I felt like I got the hang of it and we kicked disposable diapers to the curb.  I can say it was one of the best decisions we ever made.

When Toby was born, I knew I wanted to cloth diaper him as well.  We purchased disposable diapers to take on our trip with us to Florida to pick him up and on our recent vacation to the beach but besides that we have used cloth diapers exclusively with him.  My husband and I have been really shocked at the price of diapers on the few occasions when we have had to buy them and have been so thankful that we don't have that as a recurring expense.  Plus, babies are just so cute in cloth diapers.


Here are some things that I've learned about cloth diapers:

1.  The initial investment can be a little high.  I bought a small starter kit to try them out and get the hang of them then bought some better quality ones used from two good friends.  Don't be afraid of used diapers.  I would recommend buying from someone you trust.  And then wash, wash, wash them.  There are also some great diaper companies that give back like Assunta Store (whose sales benefit a ministry working with disabled and orphaned children in China) and the Little Bee Co. (who donates a cloth diaper to an orphanage for every diaper purchased). 

2.  It takes a little bit to learn how to wash them correctly.  Give yourself some grace with this.  It's okay.  You will eventually get the hang of it.  Research different detergents and try some out.  I've found that the detergents that are Free and Clear (no perfumes or dyes) are the best.  I also wash mine several times in hot and cold water.

3.  It's not as much work as I thought it would be. I only do 2 extra loads of laundry a week.  That's worth the $40-50 I save every month.

4.  I think cloth diapering helps with potty training.  Disposable diapers are made to wick the moisture away from your child so they don't feel wet.  With cloth diapers children know what wet feels like so when you switch to underwear they already know.  I feel like potty training Alivea went rather quickly because of this.

The second way that I save major money taking care of Toby is by making his baby food.


I spend about 45 min to an hour each week cooking, pureeing and bagging Toby's food for the week. He's eating mostly vegetables right now and doing this myself is definitely a savings over purchasing baby food from the store.

Here are some tricks that I've learned about making your own baby food:

1.  Find some recipes you'd like to try for your baby.  I used this book that my friend gave me. The purees are simple and it even breaks it up by age so you know what your child should be able to handle and when.



2.  I purchase the frozen vegetables from the grocery store.  This cuts down on my prep time greatly. This past week I purchased 2 bags of frozen broccoli, 3 bags of frozen corn, a bag of apples and a bag of frozen strawberries.  I purchased the vegetables in the steamer bags and cooked them in the microwave.  The strawberries I just allowed to thaw and the apples I peeled, cored, and cooked on the stovetop.  I then pureed everything seperately, put them in ice cube trays and froze them. When they were frozen, I transferred them to freezer bags, labeled them and put them back in the freezer.  Toby eats 2-3 cubes of any one of these at a sitting.

3.  I supplement with Cherrios and with Rice cereal and, of course, baby formula.

So that's it.  My tips for spending less than $100 on your baby every month.  It works for us.  Do you have any tips for saving money on babies or kids?  I'd love to hear them.  Leave a comment below.

And if you'd like to read any of my other posts in this series click here

Tuesday, October 21, 2014

how to completely change your dressing habits {project 333}


I've been intrigued by the idea of creating a capsule wardrobe for a while now.  Nothing annoys me more than spending way to much time looking through all of my clothes and feeling frustrated because "I don't have anything to wear".

I've also felt a huge amount of guilt because of the amount of clothes and shoes that I own, most of which I don't really wear.

I've wanted to try a capsule wardrobe for a while and since we're moving in about two weeks I figured now would be the perfect time.

If you've never heard of a capsule wardrobe before, here's basically how it works:

1.  You pick a certain number of pieces of clothing to wear.  This number includes all outerwear and clothing (jackets, pants, skirts, dresses, sweaters, tops, scarves).

2.  Your capsule wardrobe also has to include shoes and jewelry.

3.  It's best to choose items that you can get a lot of wear out of.  For example, don't choose too many fancy clothes or uncomfortable shoes.

4.  Try to plan ahead and think of special occasions that may come up.

5.  Choose a time frame to take your challenge.

6.  Have fun!

I'm doing Project 333 and used Courtney's rules to choose my 33 items.  My challenge is to only wear these 33 items between now and December 31st.


(Not listed in the picture are my denim leggings, my 2 jackets, my earrings, my purse, and my pajamas.)

I've been doing this now for 5 days and so far, I really like it.  Here are some of my observations so far:

1.  It really has cut down on my time getting ready in the morning.  My dresser drawers are almost empty.

2.  I love that I am wearing different combinations of tops and pants than I ever have before because I have to.  It's really forcing me to see which items really deserve to stay in my wardrobe.

3.  I have noticed that I have to do laundry more often.

4.  I'm not really tempted to shop for clothing.  I used to check those deals websites every day.  I don't really want to right now because I am an instant gratification shopper.  I want to wear my new clothes right away and I can't right now, therefore I don't even want to look at clothes online or in the store.

5.  My entire closet is packed, which makes moving a little easier.

I really feel like this challenge is helping me to save money right now because I'm not tempted to shop but it's also going to help me in the long run because I know that it will change my shopping habits and force me to shop for items I am really going to get a lot of wear out of.

Have you ever tried building a capsule wardrobe?  How do you save money on clothing?  If you are interested in other posts I've written about real life savings, visit here.

Monday, October 20, 2014

9 Tips for Scoring Lots of Swagbucks


Have you heard of Swagbucks?  I'm sure you have.  It's an online rewards program where you earn rewards for doing easy things online.  When you've earned enough rewards, you can trade your bucks (SB) in for gift cards or other items from their store.  My favorite thing to trade my bucks for are Amazon gift cards.  Those things are like gold to me, especially this time of year.

I've been tearing it up with Swagbucks lately.  I really love this site.  It's one of the few internet sites that I utilize every single day.

Source

I've used Swagbucks off and on over the past few years but only in the past two weeks have I really put some concentrated effort into using Swagbucks.  And my Swagbucks account has really grown. Here are the top ways that I earn Swagbucks.

1.  Open a Swagbucks account.  You do have to sign up for an account.  Use this link to do that.

2.  Open a new email address.  You will need to give an email address for a lot of the surveys and offers.  Make a new one that you can use just for this reason that way you are not clogging up your normal email.

3.  Download the Swagbucks app to your phone.  You can earn SB while waiting in the pick-up line for your child.

4.  Answer the daily poll everyday.  Seriously, it only takes 15 seconds and you earn 1 SB for doing that.

5.  Watch Swagbucks TV.  Click Watch at the top of the site and then click on the videos.  For every few videos you watch, you earn 3 SB.  I let the videos run in the background while I do other work online or around the house.  I literally let them run all day and just keep playing a new video whenever I walk by the computer.  So easy!

6.  Print coupons.  Click on Discover at the top of the site and then choose Coupons.  Print the coupons you need or will use and for every one you redeem at the store you earn 10 SB.

7.  Complete surveys.  This is part of my morning routine before the kids wake up.  Click on Answer at the top of the site and then choose Paid Surveys.  My favorite surveys are the ones in the Peanut Lab.  I've earned as much as 65 SB just for answering a few questions.  

8.  Shopping.  Under Special Offers at the top of the site.  Choose Payment Wall to see the offers that are available.  Kiwi Crate, Audible, and SnapFish are just a few of the offers that I've seen lately.  Earn swag bucks just for signing up for free trials or earn free things such as 100 free prints. Don't sign up for something you won't use or need.  I think about gifts when I look at these offers.

9.  Searching.  Use Swagbucks as your search engine.  You can earn SB just for typing in a search. I've earned as much as 18 SB before just searching for something I would have normally used the other search engines for.  Also, install the SB toolbar.  You'll get SB just for using that too.

There are so many ways online to earn money.  Swagbucks is my favorite right now.  I see the results immediately and it's so easy to exchange my SB for gift cards in the Rewards store.  My goal with Swagbucks is to earn $100 in Amazon gift cards so I can get some Christmas gifts for free.  I'm well on my way to that in just a few short weeks.




Sunday, October 19, 2014

real life savings {small changes that can add up}



I've been on this kick lately of trying to save as much money as I can.

I've actually been having a lot of fun working on this and finding ways to save money and put more money back into our monthly budget.

The thing about saving money is that everyone has a different way of doing it.  Literally, a Google search of "how to save money" gets you over 34 million results. That can make saving money a very overwhelming thing.  I'm not here to add to that.  These ideas and ways that I am saving money are not new.  It's just the ways that work for me, so I thought I'd like to share them.

There are two things I've learned about saving money

1.  It doesn't happen quickly.  It's something you have to work on consistently. But consistency builds habits that can really impact your future.

2.  You won't get rich.  Saving money begins with just a little bit, a little trickle.  But if you utilize it properly you can build that trickle into something larger.  You may never purchase a second home with these ideas but you may pay for your Christmas gifts.  That's the kind of real life savings I'm talking about.

Over the next week, I'm going to share 5 ideas or ways that I am saving money.

I hope you'll join me to learn more and perhaps save a little yourself.

Wednesday, October 15, 2014

The Carry Camp

I've shared many times in this space about my infertility journey (here and here).  It's been a long, hard road that we've been traveling for over 11 years.  It's a journey that I wouldn't wish on my worst enemy and it's a journey that so often feels so lonely.

Infertility is something I never saw coming.  It's something that struck me to my core and rocked the very foundation of my beliefs.  It's something that knocked the wind out of me and sent me to my knees on a regular basis.  And it's a road that I traveled all by myself.  Except for a few people in the last few years that I have met, I have traveled this journey by myself.  It's been a lonely journey and there have been times that I have just wanted someone, anyone to share my pain with.

I have lots of well-meaning friends but really, until you have struggled with infertility, it's a pain you simply cannot understand.

I am so excited today because a new ministry has started whose mission is "all about loving and empowering women who might feel broken, left out, and even useless in their struggle with infertility".  The Carry Camp is a ministry started by four women who have battled the pain of infertility and who seek to remind women of their true worth in spite of their diagnosis.

This ministry speaks to my heart and my prayer is that women everywhere who are struggling with the pain and loneliness of infertility will rise up, reach out and get involved.

I pray that you- the woman who has cried at every baby shower invitation you've received, the one who cringes as she walks past the baby aisle, the one who has spent so much money on pregnancy tests, the one who longs to feel like her body works correctly, the one who just wants hope- I pray for you. 

I pray that you would reach out and be encouraged by this new ministry.  

Today is Pregnancy and Infant Loss Awareness Day.  Today is a sad day for a lot of people.  But it can also be a good day.  It can be the day that you finally find hope and a community of women who will rally around you.  Women who are walking the same road.  Women who won't judge you or make you feel like you are a lesser woman because of your diagnosis.

Join in.  Get involved.  Redeem yourself with the truth of who God says you are.

Visit The Carry Camp.  They have so much good in store for this ministry.  From daily scripture and weekly devotionals to truth to battle the lies of the enemy.  They will also be starting small groups soon and they also have an actual Camp in the works for next year.




The Carry Camp

Tuesday, October 14, 2014

New Bibles




I love new books, but new bibles especially.  There's something hopeful about a new bible.  I ordered one the other day.  I actually ordered this one.  I wanted the space to be able to journal as I'm reading. I love making notes in my bible.  I'm hoping to have a bible as colorful as this one someday.

I've always had this idea that I wanted to be able to hand a bible down to each of my children.  I thought it would be a cool way for them to see what I'm thinking and processing as I read scripture. I've even started putting dates next to verses as I read them.  I want to be able to look back a year from now and five years from now and see what verses spoke to me.

As soon as I got my new bible I started reading in the Psalms.  I feel like they are the place that is chocked full of so much simple truth about who Jesus is.  I need those truths right now.  I crave simple truth about who Jesus is.  Not some tv preacher version of who Jesus is in my finances and in my marriage.  Not someone's interpretation of who Jesus is.  I just want to know Jesus and I want to know the truth about him.  In Psalm 1, I found the God who instructs me.  And it challenged my heart.
Blessed is the man who walks not in the counsel of the wicked, nor stands in the way of sinners, nor sits in the seat of scoffers; but his delight is in the law of the Lord, and on his law he meditates day and night.                  Psalm 1:1-2

The question I wrote in my bible was "Is my delight [high degree of pleasure or enjoyment] in the instruction of the Lord?

Do I really take pleasure in being instructed by the Lord?  There are times when his instruction is gentle and nudging and then there are times when his instruction is hard and means huge changes to my life.  Do I really take pleasure in being instructed by the Lord? All the time?

I want to.  I want to take pleasure in being instructed by Him.  I want to be open to his instruction and his leading.  I want to be receiving of correction.

I want to be pliable and mold-able in His hands.  I want my life to speak of truth and love and being used by an awesome God.  The only way that is possible is if I am open to His instruction.