Mommy’s Budget Birthday

Posted on February 20th, 2014 by Discount Debbie

When a child has a birthday around here it’s a big deal. Sometimes however, when mom has a birthday those little life necessities take the front seat. That doesn’t mean that I can’t still have a great birthday. It just means that I need to be smart about it.

The Kitchen Spa

There many little spa treatments on the internet that don’t take more than what I have in my kitchen. In fact picking up a few items at the grocery store wouldn’t hurt my budget for a little pampering. I’m not talking about the latest and greatest massage pillow. I’m talking about little things like an avocado, oatmeal, and honey. Even a little powdered milk for a milk bath would be fun. It’s won’t cost much and I still get a spa day for my birthday.

What The Kids Want To Do

Let’s face it. As we get older we lose our fun. We become self conscious or don’t have time or (heaven forbid) become too mature for that nonsense. Children have a way of bringing the fun back into our lives. They know how to party too. They dance with no fear, are full of belly laughs, and remind us that music is more than just a cultural experience.

Shut The Door

This one is kind of the opposite of the last one, but for the evening I plan to let my husband spend some quality time with our son while I lock the door on the bathroom and enjoy a good book and bubble bath.

Create a Wish List

I like to window shop. I know that I can’t afford everything I want right this moment. Over time however I can pick off some of the things that I added to my birthday list. After all I’m my new age all year. I don’t have to even leave the house to do this. I just hop online and visit my favorite store websites.

Chocolate

Regardless of the necessities in life I can always afford a little chocolate on my birthday. 😉

 


Overcoming Emotional Spending

Posted on February 12th, 2014 by Discount Debbie

I admit it. I’m an emotional spender. If I am feeling depressed or angry or trapped there is nothing like acquired validation. The problem is that this form of self medicating can ruin my financial (and thus the rest of my) life. Particularly in a day and age where all I have to do is click my savings away at online stores. Once I accepted that I had this problem, I was able to combat it.

Go Card Free

I don’t have cards. I don’t have credit cards, debit cards, store cards, or any other card that allows me to spend my money with a swipe while ignoring the cost on the screen. I have checks because I have to see how much I am writing out in order to use a check, but there was a time I didn’t even trust myself with checks. I carried cash for my daily needs. I shopped only stores near my bank so that I wouldn’t lose my money between the bank and the grocery store. In short, I restricted my access to convenient money.

Confess

I didn’t tell the whole world. I did tell my fiance. I told him that when we got married I couldn’t have access to the account. I would work, and I would bring in money, but he needed to be the one to police the account. It made me feel a little juvenile, but I felt this conversation was a better one to have than the one about where all the money went.

What I was in charge of was paying the bills. I would make sure our rent got payed on time or that our electric bill was paid in full. This kept me in touch with our financial situation and kept me more rational about wanting to spend.

Own It

These of course are temporary fixes. I couldn’t go my whole life avoiding money. I had to face the problem of what was making me want to spend. In my case it was an expression of self worth. Wasn’t I worth a new dress? Wasn’t I worth eight settings of dishes in my choice of color and design? Of course I was! It wasn’t until a friend pointed out my spending to me that I realized I had a problem.

Get Help

Spending can be an addiction and just like any other addict I needed a support system. Since I recognized my problem early I relied on family and friends and was able to deal with my issue without proffesional help. Others are not so fortunate. Many don’t have a support system to help them and could end up swimming in a river of debt and unpaid bills. For these people proffessional help is the best way to avoid spending more money than they have.

 


A Good Beverage on a Budget

Posted on January 30th, 2014 by Discount Debbie

I had noticed that I had been spending more money than I meant to on beverages. I spend a lot on soda. Soda is full of caffeine, sugar, and all sorts of things I can’t pronounce. It also costs a good chunk of change. I know it’s better for me to drink water, but I find it boring. For this reason I have learned to make it a little more exciting with a few tweaks.

Herbal Teas

Peppermint tea is great when I have an upset stomach.  Chamomile is wonderful for trying to get to sleep. Lemon Ginger tea is good when I have a stuffy nose. Raspberry Zinger is perfect for female troubles. They can be served bot hot or iced and still taste great.

The best part of herbal teas is the fact that they are mostly water. They help hydrate our bodies and it comes in different flavors. Not only that, but they don’t have artificial flavors, additives, or colors. The boxes come with about twenty tea bags, but cost less than a case of soda.

Ice Cubes

Plain ice cubes are refreshing in a pitcher of water. They are even better when flavor is frozen into them. This could be a type of berries or some cut up melon. It could also be fresh mint leaves. Fruit juice could be frozen into ice cubes and put into water to add a little flavor to it.

A Small Sample Of Temptation

I still like my soda. I have learned how to ration one soda through an entire day. Most of the time I want a taste of soda, but I don’t want to drink a whole can or bottle. I have started only getting bottles (I like the small ones that are only one serving size) and sipping one a little, replacing the cap, and then return it to the fridge throughout the day. It makes my soda last, reduces my soda intake, and I get a little treat as my day goes by.

 

 


Shared Container Garden

Posted on August 13th, 2013 by Discount Debbie

Sharing a container garden between a few households is a great way to save on expense and time. Each person picks a specific plant to grow and then shares their harvest with the rest of the group. The more people participating the better the variety of the garden. This is a good solution for those of us without access to a community garden and/or living in a small apartment. Members of the group can participate with a few potted plants, even without a balcony.

Be Creative with Planters
Planters and pots don’t have to be store bought or expensive, but they don’t have to be old coffee cans either. Re-purpose a child’s old beach bucket or that last pretty bowl from a broken set. Another option is to find creative containers at a dollar or thrift store. A dose of creativity, a hot glue gun, and a roll of gift wrap could even re-purpose that old coffee can, if that is your talent.

Pick a Potting Day
Select a day with the group to start your collective garden. Instead of each person buying their own potting soil share one or two bulk priced large bags between everyone. Pots can also be traded and shared between fellow gardeners. Decide what plant would be best for whom. Some plants are easy to grow with just a little water and sunlight. Others require a little more care. Let each gardener determine which plant would be best for them to commit to.

Enjoy the Harvest
Decide how the harvest will be shared and when. It might be best to try to give everyone an equal share of each crop. Harvest could also be done by preference. For example, if a group kept an herb garden and one person didn’t like chamomile, they wouldn’t take a share of it.


Budgeting Made Easy!

Posted on June 6th, 2013 by Discount Debbie

I don’t know about you, but budgeting is SO much easier when I have a simple online form that I can use to help me organize it all (and also help me do the math!). Create your completely customizable personal budget at LearnVest.com for free!


What’s Free With Coupons This Week

Posted on February 26th, 2013 by Coupon Cathy

You can use coupons. You can mail in rebates. You can use or earn store rewards points/dollars. But, whatever you do, get your stuff for free! That’s what this list is about. With just a little bit of work, you can get some fun and practical stuff for free. And, even though a certain group of people in Washington DC has not been responsible enough to have a budget in several years, you and I don’t have that sort of luxury. So, whatever your budget looks like, I’m pretty sure “free” fits into it! 😉

 

WALGREENS

Buy 1 Natrol Melatonin, 100 ct $4.00
Buy 1, Receive $4.00 Register Reward
Pay $4.00, Receive $4.00 Register Reward
Final Price: Free

 

Buy 1 Colgate 2 in 1 Toothpaste, 4.6 oz $3.49
Or Colgate Max Fresh, White or Clean Toothpaste, 6 oz $3.49

Buy 1, Receive $2.99 Register Reward
Use one $0.50/1 Colgate Toothpaste, 4 oz or larger, Limit of 4 coupons for same product in same transaction from SS 2/10 (exp 3/2)
Or $0.50/1 Colgate Toothpaste, 4 oz or larger, Limit of 4 coupons for same product in same transaction from SS 2/24 (exp 3/16)
Pay $2.99, Receive $2.99 Register Reward
Final Price: Free

 

Buy 1 Energize Energy Tabs, 28 ct $8.00
Buy 1, Receive $8.00 Register Reward
Pay $8.00, Receive $8.00 Register Reward
Final Price: Free

 

Arctic Naturals Daily Omega-3, 60 ct $10.00
Buy 1, Receive $10.00 Register Reward
Pay $10.00, Receive $10.00 Register Reward
Final Price: Free

 

Buy 1 Curacaine Rapid Acting Topical Analgesic, 1 oz $7.00
Buy 1, Receive $7.00 Register Reward
Pay $7.00, Receive $7.00 Register Reward
Final Price: Free

 

CVS

Buy 1 ThermaCare Lower Back and Hip Wrap, 1 ct $3.49
Buy 1, Receive $3.49 ExtraBucks, Limit 1
Pay $3.49, Receive $3.49 ExtraBucks
Final Price: Free

 

Buy 3 Advil Congestion Relief, 10 ct $5.00
Spend $15.00, Receive $3.00 ExtraBucks, Limit 1
Buy 3 Select Pfizer Products, Submit for $6.00 Mail-In Rebate from RP 1/27
Use three $3.00/1 Advil Congestion Relief, Allergy & Congestion Relief, Cold & Sinus or Allergy Sinus, Limit of 4 like coupons in same shopping trip from RP 2/10 (exp 2/24)
Pay $6.00, Receive $3.00 ExtraBucks and Submit for $6.00 Mail-In Rebate
Final Price: $3.00 Moneymaker, when you buy 3

 

RITE AID

Buy 1 Poise Body Cooling Towelettes, Panty Fresheners or Feminine Wash $2.99
Buy 1, Receive $2.99 +Up Reward, Limit 2
Use one $3.00/1 Poise Roll-On Cooling Gel, Body Cooling Towelettes, Feminine Wash, Panty Fresheners or Personal Lubricant, excludes trial size from SS 2/10 (exp 3/23)
Or $1.00/1 – Poise Absorbent or Feminine Wellness Product – (coupons.com)
Pay Nothing, Receive $2.99 +Up Reward
Final Price: $2.99 Moneymaker

 

Buy 2 Nivea Lip Balm $1.50 each, when you buy 2
Use one $3.00/2 Nivea Lip Products, Tin, 0.59 oz, Stick, 0.17 oz, or Tube, 0.3 oz, Limit of 4 like coupons in same shopping trip from RP 2/10 (exp 3/5)
Final Price: Free, when you buy 2

 

TARGET

Buy 3 Thermacare Wraps, 3 ct $5.99, regular price
Buy 3, Receive $5.00 Target Gift Card through 4/13
Buy 3 Select Pfizer Products, Submit for $6.00 Mail-In Rebate

Use three $3.00/1 – ThermaCare Product, Excludes Trial Size, limit of 4 like coupons in the same shopping trip – (thermacare.com)
Or $1.00/1 Advil, 20 ct, Advil PM, 16 ct, Children’s Advil, 4 oz or larger, Infant’s Advil, 0.5 oz or larger, or ThermaCare, 2 ct or larger, excludes trial/ travel size, Limit of 4 like coupons in same shopping trip from RP 1/27 (exp 3/9)
Pay $8.97, Receive $5.00 Target Gift Card and Submit for $6.00 Rebate
Final Price: $2.03 Moneymaker, when you buy 3

 

Buy 3 Nature Made Vitamin D3 Tablets, 100 ct $3.99, regular price
Buy 3, Receive $5.00 Target Gift Card through 4/13
Use three $2.00/1 – Nature Made Vitamin D Product – (coupons.com)
And use one $2.00/1 Nature Made Vitamin, Target Coupon from Shopkick App
Pay $3.97, Receive $5.00 Target Gift Card
Final Price: $1.03 Moneymaker, when you buy 3

 

 

Buy 1 Poise Feminine Wash, 7.3 oz $2.99-$3.49, regular price
Or Poise Panty Fresheners, 24 ct $2.99-$3.49, regular price
Or Poise Body Cooling Towelettes, 20 ct $2.99-$3.49, regular price

Use one $3.00/1 Poise Roll-On Cooling Gel, Body Cooling Towelettes, Feminine Wash, Panty Fresheners or Personal Lubricant, excludes trial size from SS 2/10 (exp 3/23)
And use one $1.00/1 – Poise Body Cooling Towelettes, Roll-On Cooling Gel, Personal Lubricant, Panty Fresheners or Feminine Wash, limit one coupon or offer per guest, Target Coupon – (target.com)
Final Price: Free

 

Buy 1 Duncan Hines Frosting Creations Flavor Mix, 0.11 oz $0.94, regular price
Use one $1.00/1 – Duncan Hines Frosting Creations Flavor Packet – (duncanhines.com)
Final Price: Free

 

Buy 1 Jingos! Crackers, single serving $1.00, regular price
Use one $1.00/1 Pepperidge Farm Jingos! Snacks from SS 1/20 (exp 3/31)
Final Price: Free

 

WALMART

Buy 1 Serenity Tena Ultra Thin Pads, 30 ct $5.24, regular price
Use one Save up to $7.00 on Tena Pads – (tenatwist.com)
Final Price: Free

 

Buy 1 El Monterey Single Burritos $1.00, regular price
Use one $1.00/1 El Monterey Product, Limit one coupon per customer from SS 1/27 (exp 5/28)
Final Price: Free

 

Buy 1 Wet n Wild Nail Polish, 0.43 oz $0.93, regular price
Use one $1.00/1 Wet n Wild or Fergie Product from RP 2/10 (exp 2/23)
Final Price: $0.07 Moneymaker

 

Buy 1 Mt. Olive Relish Squeeze Bottle, 10 oz $0.96, regular price
Use one $1.00/1 Mt. Olive Pickles, Peppers or Relish from SS 1/20 (exp 3/10)
Final Price: $0.04 Moneymaker

 

Buy 1 McCormick Brown Gravy, 0.87 oz $0.50, regular price
Use one $0.50/1 McCormick Gravy All You Magazine 2/22 (exp 3/16)
Final Price: Free

 

Buy 1 Aleve, 6 ct $0.97, regular price
Use one $1.00/1 Aleve Product from All You Magazine 1/13 (exp 3/31)
Final Price: $0.03 Moneymaker

 

Will you go freebie shopping this week?


Keep Track of Your Money – The Easy Way!

Posted on February 22nd, 2013 by Discount Debbie

I’m a bit of a budget junkie… meaning I love tracking the household finances through charts and graphs! Especially when you are working on a goal, such as spending less, reducing debt, increasing savings, or even just sticking to your monthly budget, having an easy way to track it all makes it more exciting and easier to stick with.

Personal Capital makes it easy with free wealth management software and affordable investment services.

* Link in all accounts to one place: Checking, savings, credit card, brokerage, retirement, investments, mortgages and loans.

* View cash flow, spending patterns, portfolio balance and asset allocation. Also view and classify all transactions.

* Run a free investment check-up!

* Download the FREE Personal Capital apps (iPhone, Android and iPad)


Save on Gas with a Fuel Efficient Car!

Posted on November 12th, 2012 by Discount Debbie

Looking for a good deal on a new car? Click above to get a quote on the 2013 VW Jetta.

I’m excited about that gas mileage! At 34mpg highway and 24mpg city you are sure to save on gas with the 2013 VW Jetta. Gas prices are predicted to rise, so now is the time to update to a fuel efficient car to rescue your budget.


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