Monday, August 12, 2013

Home Management- Saving Money Everyday


I recently decided that I needed to do better at making good use of all the various drugstore sales in my area. I have been a pretty consistent Walgreen's shopper and have done pretty well shopping there. But, CVS runs some great sales too and I need to make my precious dollars work as hard as possible. I am always trying to do better at managing my home and money. I work at this on a daily basis. 


Even those pennies add up when you save them consistently!


So, I went to CVS today with vitamin coupons in hand. I stopped at the CVS coupon kiosk as is my custom. I got a coupon that gave me $3 off a $12 vitamin purchase. I decided to buy some acidolphilus as we are out. Sundown vitamins were buy one get one free. I had two $2 off coupons and at CVS shoppers are allowed to use a coupon on each item, even if one is free, and to combine the CVS coupon with the manufacturer's coupons. The acidolphilus was $12.49 and I got two bottles, saved $7 and ended up only paying $5.49! That is $2.25 per bottle! Can you tell I am really excited? 

Because one of my main contracts is tied to the school year and my husband's work slows in winter, we don't earn as much during the major holiday season, which is also when three of our five children have birthdays, so I need to do all I can to be prepared. I stock up like a squirrel storing nuts for the winter on everything: non-perishable foods, toiletries, pet needs, gifts, and more. 





I am not one of those Extreme Couponing types-my stock doesn't have a room of its own, nor do I have enough pasta for the next ten years. What I do try to accomplish is to have about 3-6 months worth of goods on hand. I try to get items at the most rock bottom prices possible. This frees up money for items where it is harder to save, like the house payment. 

Another way I work my savings into a daily occurrence is by only stopping at stores that are along routes I already travel. Today, I had to pick up one son from the bus stop so I went to the CVS where he would be getting off the bus. Another time I might stop at a store in another area of town. An advantage of going to different stores is that I have access to more stock. My local store might run out of a certain item, but another store could still have it. I don't have to wait for the item to be restocked and hope that I don't lose my rain check while waiting. 

An additional motivation I have to stay stocked up is to manage my home the best I can. As a Christian I follow the teachings of the Bible. I have been inspired by this passage in Proverbs 31:10-31.


Epilogue: The Wife of Noble Character

10 [b]A wife of noble character who can find?
    She is worth far more than rubies.
11 Her husband has full confidence in her
    and lacks nothing of value.
12 She brings him good, not harm,
    all the days of her life.
13 She selects wool and flax
    and works with eager hands.
14 She is like the merchant ships,
    bringing her food from afar.
15 She gets up while it is still night;
    she provides food for her family
    and portions for her female servants.
16 She considers a field and buys it;
    out of her earnings she plants a vineyard.
17 She sets about her work vigorously;
    her arms are strong for her tasks.
18 She sees that her trading is profitable,
    and her lamp does not go out at night.
19 In her hand she holds the distaff
    and grasps the spindle with her fingers.
20 She opens her arms to the poor
    and extends her hands to the needy.
21 When it snows, she has no fear for her household;
    for all of them are clothed in scarlet.
22 She makes coverings for her bed;
    she is clothed in fine linen and purple.
23 Her husband is respected at the city gate,
    where he takes his seat among the elders of the land.
24 She makes linen garments and sells them,
    and supplies the merchants with sashes.
25 She is clothed with strength and dignity;
    she can laugh at the days to come.
26 She speaks with wisdom,
    and faithful instruction is on her tongue.
27 She watches over the affairs of her household
    and does not eat the bread of idleness.
28 Her children arise and call her blessed;
    her husband also, and he praises her:
29 “Many women do noble things,
    but you surpass them all.”
30 Charm is deceptive, and beauty is fleeting;
    but a woman who fears the Lord is to be praised.
31 Honor her for all that her hands have done,
    and let her works bring her praise at the city gate.

I will keep you posted on how I am doing on my restocking and home management and I hope to hear from you readers on what you are doing. I am always interested to learn new ideas!




Monday, August 5, 2013

Manic Monday




My Mondays are really crazy. Everyone has crazy, busy days, I know. But, check out how my Monday currently goes-

6:00 a.m. I get up.
6:30 a.m. I do the Classical Stretch workout on my local PBS station-KLRU-Q.
7:00 a.m. I make sure my 19 year-old-son and 21 year-old sons are both awake and I make coffee and eat breakfast while walking my dogs.
7:15 a.m. I get dressed, fix my face and hair.
7:40 a.m. We leave the house and head to Austin.
8:00 a.m. The 19 year-old gets dropped to catch the bus to downtown Austin where he has an internship and takes college classes. Then the 21 year-old and I head to his workplace about 25 minutes further in southwest Austin.
8:30 a.m. I drop my son and head to work myself.
5:00 p.m. I finish work and head to my 21 year-old son's workplace which is a combination martial arts and fitness studio. I do child care for the yoga and crossfit particpants children.
5:30 p.m.-6:30 p.m. Child care.
6:30 p.m.-8:30 p.m. I get on my netbook and do writing projects (like this!) while waiting for my son to finish his training.
8:45 p.m. We start the 45 minute trip home.
9:30 p.m. We arrive home, I take out the dogs, feed the dogs and cat, and get something for us to eat.
11:00 p.m. I start getting ready for bed and hope to be asleep by 11:30 p.m.

Yep, that is my Monday. I am always trying to make my schedule more productive.

Today, I didn't end up having to go to work so I baked some chicken leg quarters to eat because they can be eaten cold or hot. Sometimes I make breakfast for dinner on Monday nights. This won't always be my schedule because once my sons have money to buy their cars, I won't be the only driver in my "car pool". For now, I am enjoying my time with my guys. We have lots of great conversations on these long drives-some serious, some funny, and sometimes we don't talk at all.




What do you do to manage your crazy days?


Saturday, August 3, 2013

Super Saver Saturday- Get Cooking!

Just washed organically grown okra ready to be sliced for tonight's dinner. I could eat okra everyday I love it so much!

Hello Everyone! What's for dinner tonight? ; )

One of the biggest expenses in a household is money spent on food. Check out the USDA food budget info at http://www.cnpp.usda.gov/Publications/FoodPlans/2012/CostofFoodJan2012.pdf. They have four plans listed: thrifty, low-cost, moderate, and liberal. According to their thrifty plan, I should spend $162.60 to feed three adult men ages 19-50 and one 50 year-old woman. Occasionally, my 27 year-old daughter and her nearly 1 year-old son are here eating also.

I don't think I even come close to spending that much weekly, unless we include pet foods, cleaners, and toiletries (and I use coupons and sales on those!). Lest you are now worried about us, let me assure you that we eat at least three times a day and we eat well. I cook the majority of our meals at home and it is extremely rare for us to eat out. Being able to cook and shopping for bargains has been a huge help to keeping our costs under control!

Let me share some of what I do and hopefully shed a little light on what others can do, too.

On Thursdays, my husband brings home a variety of groceries that he finds on markdown at the grocery store. I am never sure exactly what he will have when he gets home. Talk about life being like a box of chocolates.

This week he purchased two packages of already prepared vegetable kabobs that had been marked to $3.25 per package, about a 50% reduction from the regular price. They had mushrooms, red onions, yellow squash, zucchini, green peppers, and red peppers. I did not immediately pop these on the grill for the evening meal. Instead, I took stock of other items we had and decided to take the kabobs apart to use in the following meals: red and green peppers, and mushrooms were reserved for eating fresh in salads and with hummus for lunch. The zucchini, yellow squash, and onions went into two different dinner dishes; Mediterranean Stew, and Ratatouille. To these dishes, I added our homegrown Japanese eggplant and okra. Both of these meals are served over brown rice, which I made from scratch on my stove. A 2-pound bag of brown rice at my local grocery store was $1.18.
Japanese eggplant grown organically from our garden. These ones are headed into Mediterranean Stew.



So, the cost to produce or enhance three meals to feed 2 women and 3 men was $7.68 AND there were leftovers for lunches. Take that USDA thrifty meal plan! Also, we are consuming a lot of vegetables in these dishes and everywhere where we turn we hear that we need to eat more vegetables.

I didn't begin my adult life with a Ratatouille recipe in my back pocket. But, thankfully, I had a grandmother who was very practical and had given me a Betty Crocker cookbook when I turned 13. The edition I received had wonderful illustrations that showed the most basic of cooking skills, such as scrambling an egg.
My poor cookbook is falling apart so I had to find a stock photo to show you what I think is the best cookbook ever. I know that my grandmother would be very pleased to know that I have used it and loved it so much over the years. 


If you don't know how to cook., there are resources everywhere to help you learn: YouTube, the Food Channel, libraries, blogs, 4-H, The Cooperative Extension Service, your mom or grandma...

Don't waste another minute or another dollar at the fast food places, learn to cook as soon as possible!



Tuesday, July 30, 2013

Stretching Everything!

Was chatting via text with a dear friend who lives far away from me so we have to catch up as we can. She shared that life is really stretching her as she has started several new businesses recently.

I also have been going through the stretching process. I have been working for quite a variety of people doing quite a variety of tasks through TaskRabbit (www.taskrabbit.com). I am never sure how much work I am going to be able to obtain so when jobs are available I take them. One day earlier this month found me working for over 8 hours cleaning two different places. I realized exactly how the phrase "I worked my a** off" originated! My booty felt like it was going to fall off from all that squatting down to scrub things.


I have had to stretch our income because in the summer I have less earnings and in the winter, my husband has less earnings. Hmm, that is two out of four seasons where we are earning less income! You are probably thinking that something should be done about that. I agree, which is why today I was stretching in a new area.

I applied to be an Amazon Associate so that I can earn additional income for me and my family. Now I have to figure out how to get the thing up and running on my blog, which is stretching my limited tech abilities. ; )


I have been doing Classical Stretch most weekday mornings (http://www.classicalstretch.com/) so I am stretching my body and making it stronger. Another division of this exercise is called Essentrics (http://www.essentrics.com/). I am contemplating becoming an instructor. Stay tuned!



So far being fifty is all about expanding and stretching in many areas of my life. What is stretching you these days? I so enjoy reader comments so please take time to share!

Saturday, July 20, 2013

Super Saver Saturday


Even small savings can add up!

A few weeks ago I purchased a $10.00 Target gift card for only $5.00 on Groupon Mobile. So, I went to Target today armed with my gift card, coupons, and some time on my hands to see just what I could do there to stretch my hard-earned dollars.

I began by getting a large bag of Pedigree Healthy Weight dog food which is $12.99 at Target. I had a $1.00 off on it. I was just getting started though...

As I wandered around, I noticed an end cap loaded with lots of clearance items. One item that caught my eye was the Glade scented oil plug-ins. I really like these, but they can be expensive, so I don't purchase them very often. Target had a warmer with refill marked down from $4.99 to $4.24 and a four-pack refill down to $3.64. I had a coupon for $1.50 off the warmer with refill, a coupon for $1.00 off the refill pack, AND (icing on the cake!) a Target coupon for $1.00 off when purchasing ANY (love this wording) 2 Glade products. So, I got a total of $3.50 off these items! Many people don't know that coupons can be used on clearance items (some cashiers don't either so you have to nicely ask them to check with the manager at times) and more people don't know that BOTH a manufacturer's coupon and a Target coupon can be used together on the same item. Cha-ching! More savings for you!

I clip coupons when I wait on my son to get done at Kung Fu or while watching television.


I also found a cool plaque to give to my almost son-in-law for Christmas that was originally $10.00 but marked down to $3.00 (this counts as a $10.00 gift by the way).  I like to try to stock up on fun and cool items in advance of the Christmas shopping season. Snagging cool clearance deals like this is one way to do that.

I then grabbed a small can of cat food at 47 cents and $2.00 worth of items from the dollar spot and headed to the check out with coupons in hand, gift card pulled up on my phone, and a smile on my face!

My total before the clearance prices, gift card, and coupons would have been $34.46. I paid $12.45 out of pocket at the store plus the $5.00 I spent a few weeks ago to get the gift card.

If you aren't signed up for Groupon Mobile on your smartphone, I encourage you to give it a try. Every little bit of savings frees your money to go towards other expenses and who can't use that kind of help?

Wednesday, July 10, 2013

Garden Update

My husband and I garden in central Texas. When other parts of the country are just getting into the swing of gardening, Texas is hot, hot, hot and gardening slows in July. The weeds in the garden are gigantic, the temperatures are over 100 degrees, and the mosquitoes are on the prowl for their victims.

This cantaloupe weighed over 3 pounds! 


We are harvesting a lot of items right now-corn, cantaloupes (well, we are not harvesting them so much as collecting them because they are taking themselves off the vines and we just pick them up and take them into the house!), tomatoes, peppers, spaghetti squash, okra, Chinese long beans, and onions. We  recently harvested about half a wheelbarrow of red and yellow onions. Some are larger than softballs! Yes, everything really is bigger in Texas!

In our area, we plant onions in November to get the largest onions possible. 


Just as it is the hottest and we only want to be lounging inside with a cool drink, we need to start working and planning for our fall garden. In our area we are fortunate that we can garden just about the whole year around.

Our goal is to be able to produce all of the fruit and vegetables we want to eat. This year is the best we have done so far towards that goal. Last year, we added fruits to our garden. We planted grapes, dwarf pomegranates, blackberries, strawberries, raspberries, two pear trees, and a fig tree. Our five blackberry canes produced a pint or more of berries every day for nearly three weeks. We are definitely going to expand the amount of blackberries we are growing!

There are few things I find more satisfying than creating a meal whose ingredients mainly came from our garden. I am looking forward to many more home grown meals and new recipes in the future and I will be sharing them right here with all of you!

Just washed okra waiting to be tossed in cornmeal and fried for dinner. 




Wednesday, June 26, 2013

Savvy Shopping is Fun!

I have a peculiar sense of fun in that I think that coupon shopping is hugely entertaining. I find it to be game that I really enjoy.

Yesterday I went shopping at Target and got twelve items for $11.38. I bought a pound of ground beef, a bunch of celery, a bunch of bananas, a pound of strawberries, two 1 lb. boxes of macaroni, two boxes of fruit snacks, and four jars of Pace salsa! How did I accomplish this feat?

I used Target mobile coupons combined with Target paper coupons that I received in the mail, and manufacturer's coupons from the Sunday paper used on clearance items (Pace salsa). Go to http://m.target.com/sms/coupon-alrts/form to sign up for these hugely helpful coupons to be delivered to your phone.

Another way to save at Target is to go http://www.target.com/ to print Target coupons. A very cool aspect of shopping at Target is that you can pair a Target coupon with a manufacturer's coupon for greater savings.

I never used to shop at Target until one opened in my little town. As gas gets more expensive, I try to do as much of my shopping as close to home as possible so it makes sense to explore the stores in my area. I have saved a lot shopping carefully at Target.

Another place I have always enjoyed shopping is Dollar  Tree. I like shopping there even more now that they accept manufacturer's coupons. I know that some of you reading this are thinking, "Seriously, who can't afford to pay a dollar for items?!" Many people I know have reduced income at one time of the year or another so any savings is a huge help. I have a reduced income in the summer because one of my major contracts is tied to the school year. No school in summer means no pay. I have to shop smart.

Last week I went to a Dollar Tree in Austin as I was already there to drop my two sons to their jobs. This Dollar Tree has refrigerated and frozen items in their store which my local Dollar Tree does not. I purchased Luigi's Italian Ices for 50 cents per four pack, got a bottle of liquid hand soap for 50 cents, bought some 3-packs of Dial soap at 50 cents each, and got VO5 shampoo for my son at 75 cents per bottle. With careful coupon use at Dollar Tree, I can make my money go farther, and we can still enjoy name brand products we prefer.

I have to buy certain items no matter what my budget, so it makes sense to me to get these necessities at the best price I possibly can, which frees up my funds to go towards items or bills where it is much harder to save. The electric bill is higher in the summer here in the South and try as I might, I haven't found any coupons for my utility providers. ; )



I encourage you to try some of these avenues of saving on your shopping trips and let me know how you did!