Archive for the Category »Is It Worth It? «

Now that summer is here and everyone is hitting the road for vacation and sport tournaments, many of us must feed our family on the go.

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Last summer our family took an extended vacation to Colorado and my husband and I sat down before we left and tried to budget for everything.  We knew we were going to have access to a kitchen to cook most of our meals.  I also knew we had to build in some down time for mom, after all this was my vacation too!  We budgeted to eat out at two nice family restaurants per week and a couple of runs for fast food during the lunch hour while we were out site seeing.  I started to do research and came up with some really easy ways to cut our food bill.

  • Set a limit. Before we even left the driveway we sat down as a family and shared our budget with the kids.  We explained that in order to do some of the fun things we had to watch our money.  Each child was given a set amount of money they could use when we ate at a fast food restaurant.  We gave our kids a $3.00 limit.  We explained that they could choose anything, but there had to be at least one “main” protein. ( If you can call chicken nuggets protein?!)  This was a great way to help the kids feel like they were in control.  They made some really good choices and much to my amazement they stopped buying soda and even opt to “share” larger items.   Many fast food places have decent $1.00 menus for them to choose from.
  • Call and sign up for mailings from the Chamber of Commerce in the city you are visiting.  Even if you are just going for the weekend, the booklets and information they will send you are full of coupons and special deals for travelers.
  • Visit KidsEat4Free.com. All you have to do is enter your city and state and they will have a list of local restaurants and the restrictions for kids meals.  I printed out this list before we left on vacation so we could always have it handy.
  • Use Restaurant.com.  We knew that we would be eating out at nice restaurants a couple of times with family.  I bought several $25.00 gift certificates at Restaurant.com for $2.00 each.  I knew that even if we didn’t use them on our vacation I would leave them for family to have a nice meal after we left.
  • Splurge! We choose one day to visit the Denver Aquarium and eat at the restaurant inside.  We told the kids that this was our one day to splurge and set no restrictions.  Through out the trip they reminded us of how many more days until their “Seafood Feast”.  I didn’t eat seafood.  There is just something wrong with eating fish and watching them swim by at the same time!

We had a great time on vacation and avoided many stressful hours of “money worry” by budgeting and planning ahead.

How do you budget for eating out?  Have any good ideas?

Last week there was Internet buzz about the great full size samples that were being given away by First Taste.  Many of us checked our First Taste offers only to be disappointed that there were none available.  Well, I think you better go and check again.  I went in this morning and there they were, just waiting for me.  Make sure you fill out the surveys after you have tried the product.  I have found that many companies will send you more products to try if they know you will answer a few questions for them.

Savvy Shopping Moms was asked to write an article for the launch of a web site called Simple Saving Savvy. I only know Amanda from emails we have exchanged, but she is doing a great job on her site.  Make sure you check it out.

Needs vs. Wants

Keeping up with the Joneses

Several years ago my husband and I wanted to start our family.  We sat down and looked at our finances knowing that I would be staying home with a little one and our income would be cut in half.  We started to look at where we could cut our expenses.  Little did we know that your expensive actually go up when you have a child!

We soon noticed that we accumulated several “things” that were now gathering dust in our garage or basement.  We had spent our hard earned money on frivolous stuff just to “keep up with the Joneses”.  We had also spent huge amounts of money on eating out and convenience  foods because I couldn’t keep track of what we had at home.  We knew this had to change.  We were wasting too much of our income on things we didn’t need.

One night we sat down and made a list of bills we had to pay, like the mortgage and car payments and utilities.  Next, we wrote a list of things we would like to have but didn’t need, like a newer car and furniture.  Along side of that, we also wrote our financial goals and the date by which that goal would be accomplished.  We posted these on our fridge knowing that we would look at them several, if not hundreds of times, every day since the kitchen was the hub of our house.  As the year went by we started to accomplish our goals and realize that this was something we could do.

We started to give more of our money to God and He blessed us beyond measure.  I realized that I had been so selfish thinking that I had to have it all and that I had to “keep up with others” when they were just trying to keep me up with me.  What a sad thought!

In June of 2008, my husband was given a wonderful opportunity to move to Kansas and work with an amazing church.  This move was hard on us in more ways than one.  We had to completely trust God during this move that He would supply us with a home we could afford and schools that would enrich our children’s lives.  The hardest part of this move would be the cut in pay he would take.  I knew we would have cut corners again, but where?  That’s where the trust in God part kicked in.  My husband and I talked and we decide that we would go back to our “lists” and retrain ourselves to be better stewards of the blessings God had given us.

Today, we are still on a budget so we can put more money into our savings.  I don’t worry about how much someone else has.  I praise God that He has blessed them.  We love our church family and the ability that God has given me to share savings secrets with others.

Do you find yourself in the same situation?  Here are some of the steps that we took to help us with our Needs VS. Wants

  • Ask yourself,   Can I function without this?  Do you really have to have the newest and biggest HDTV? Be Honest!
  • Wait – Wait for 3 days before you make any new purchase.  Think about when you shop, do you buy the first thing you see?  Are you an emotional shopper?  Do you have the kids with you making it hard to make the right decision?  Have you heard of people who freeze their credit cards in a bowl of water so they can’t make impulse purchases?
  • Make your lists! Make a list of your NEEDS and WANTS.  Look at them and see what will benefit your family the most.  Is it worth Dad or Mom spending extra hours at the office so you can afford the newest gaming system? OR Would a family fun night with homemade pizza and a Redbox movie bring you closer together?

Today, I still want to buy new clothes every season and new dishes every month, but I don’t.  I am learning to be happy and content with what I have been given.  I am a work in progress and I still have a ways to go, but I know that the “wants “ I give up today will mean better things for my children in the years to come.

Is it Worth it?

Travelling with Coupons

Yes, I travel with coupons.  Last week we were bless to be able to go to see my family in Oklahoma and spend Thanksgiving with them.  As part of packing and preparing for the trip I always pack my Coupon Notebook.  My kids know this, my husband dreads it.  Near my family’s house there is a store that double $1.00 coupons.

Before I start packing I do a little research and find out what they have on sale and look at their ads online.  (Did you know that most stores have two ads?  Even Dillons/Krogers Stores.  The second one is only published in certain areas even though all stores run the sale prices.  The only way to find this ad is to get online.)  While I am researching online I make my list.  As we are driving I pull out my coupons and start to set aside all those $.75 to $1.00 coupons for things that are on my list or things I know I need for my stockpile.   My husband has learned over the last few trips that he needs to drive VERY carefully, heaven forbid if we change lanes too quick or turn a corner.  Coupon disaster! My sister usually comes with me to the store and helps me out.  After all is said and done I can usually come home with several items that were free or really cheap.  Below is a picture of what I was able to pick up during Thanksgiving.  During the next few weeks think about doing some research on the stores in the towns were you will be spending your holiday season.  See if any family members can help you. Can they save coupons for you?  Can they come shopping with you?  Can they watch they kids while you go to Starbucks?  oh, I mean coupon shopping.  Try it once or twice and see what deals are waiting to be found.

As for me and my notebook we’ll be in Oklahoma.

homeland I paid $15.06.  Over 100 Chinet and Hefty plates, 28 Chinet cups, 8 Campbell’s soups, 2 pkgs of Raisins, 1 pkg of Craisins, 2 Fuze drinks, 2 Coffee Mate Creamers, 1 can of Pam cooking spray, 2 Pkgs of all beef Little Smokies and 1 pkg of Cinnabon bars.

Is it Worth it?

Signing up for Freebies and Samples

A couple of years ago, when the internet first showed up in our house, I went nuts signing up for anything and everything that I could get for free.  Going to my mailbox everyday was like Christmas morning.  Laundry soap, cereal samples and even dog food (no, I never had a dog) was scatted all over the kitchen counter.  Over the next few years I would be inundated with magazines, credit card offers and junk mail from every company imaginable.  I realized that I had to put a stop to the madness.  When we moved from Oklahoma to Illinois, I figured this would be a good time to stop all the freebies and the junk mail.  I signed up on the “opt out” mailing list, which deletes your name from most catalogs and credit card offers.  After the move, I was surprised to find that there were some days that we didn’t even get mail.

Fast forward to present day, we have moved again and I thought I would try this “freebie sample” thing again.  I kept watching the blogs and seeing these great deals everyone was getting.  I was jealous!  I wanted to get in on those great deals!  Slowly, I began to sign up for a few items that I knew I use faithfully.  As the free samples began to trickle in, I did not see a huge jump in my junk mail. YEAAA!  Over the last year I have tried to be very selective about what I sign up for and what is posted on Savvy Shopping Moms.  I try to only post about freebies if they truly are free with no string attached and if they also send coupons with the sample.   I hope you have had a good experience with the freebies that we post.

Is it worth it to sign up for samples and freebies?

You make the call.

Freebie sites that I love…

vocalpoint.com I love this site!  They have sent me tons of FULL size products to try.  Along with the samples the usually send me 10-12 high dollar (between $2.00-$10.00) coupons.

pssst.generalmills.com A great site for General Mills products.  They will send you FULL  size product and ask for your feedback.  Don’t expect to get lots of free sample if you don’t give feedback.

kraftfirsttaste.com This is a good site for free samples of Kraft products.  This site will send out an email, and the first _____ to respond to the email will usually be sent a coupon to try a new product.  If you respond after the set number, you usually will be given a high dollar coupon for the same product.  Again, you must fill out a short survey after you have tried the product to continue to receive offers.

To OPT OUT of credit card offers go here and read what Clark Howard has to say.

Is it worth it to ask??  That is my question for this week.  Let me share with you two experiences I have had this past week.  I am in no way a shy person, but for some reason, asking someone about anything, especially for a favor or help, is very uncomfortable for me.  However; I have always heard, “you will never know unless you ask”.  So here goes….

First, I was at our local Kroger last week shopping for some groceries for a large meal at our church.  There were some bags of salad in a shopping cart.  Some were clearanced priced, and the REALLY large ones (32 oz.) were not.  The produce mgr. was in the area, and I asked her if the large bags were going to be marked down.  She said, “No, they will be scanned out and thrown away since they are today’s date”.  They were in great shape, and I said, “That’s too bad, we are having a large dinner tonight at church and I am looking for some good deals”.  She went on to say that if we were going to use them quickly, she would clearance them for me…. $0.49 per bag!!!

Second, do you remember the post a few weeks ago about the KitchenAid Stand mixer??  Well, I ordered one and it arrived yesterday…Happy Birthday to me :) .  Part of the savings was a Kohl’s Cash certificate for in-store purchases.  It expires on Nov. 10th, and we do not have a local Kohl’s…what to do, what to do.  I will be traveling on the 12th, 13th, and 14th to a town with a Kohl’s,, just not before the 10th.  So I hated the ideas of letting them expire, or making a special trip, as that kinda reduces your savings.  So, this morning, I boldly called the local store manager in the neighboring town and explained my situation and then asked her if she would please extend the expiration date until the weekend.   YES.   Much to my surprise, she said yes!  In both instances, all it took was a simple question to the right person, and what a great reward!!  Yes, it was worth it!

I am encouraging you to ask….you will truly never know unless you do.  People can be so accommodating if we just give them a chance.  I know I will sure try more in the future.  Leave us a comment on a time when asking has been well worth it for you.