Category Archives: Finance

Can’t Afford a Vacation? Ideas for Family Fun on a Budget

How to have family fun on a budget even when you can't afford a vacation. Get out there and make memories with your kids.

During summer and fall months, Facebook and Instagram feeds are filled with pictures and stories of amazing looking family vacations.

“Some years the budget doesn’t allow for a short trip let alone the vacation you’ve always dreamed of taking your kids on. It might be easy to feel mom guilt over not being able to give your kids that trip – but there’s no reason to!!! Instead, focus on the all the areas that you can have fun as a family on a budget!

If your children are young like mine, you can easily find lots of ways to have fun without going anywhere. If you are excited about the awesome year you are going to have staying home, it will rub off on your kids. If you are down and upset about not going on vacation, that attitude will rub off on them.

Here are four ways you can have fun with your family on a budget this year:”

Click over to Money Saving Mom to read the rest of my guest post.

I’d love to hear, what are your favorite ways to have family fun on a budget? Are there any free events I need to look for in my area?

How to have family fun on a budget even when you can't afford a vacation. Get out there and make memories with your kids.

Ways to Save Money on Groceries Without Coupons

how to save money on groceries without using coupons

Have you ever wondered if you can actually save money on groceries without coupons?

I live in a small town and I don’t receive any coupons through the newspaper and my grocery budget has ranged from $120-$170 a month over the past 10 years. (Started with just my husband and me and now our third child is one.)

So yes, we are proof that it is possible to save money on groceries without coupons! Not only is our grocery budget pretty stinkin’ low, but I’m still able to feed my family a fairly healthy diet consisting of minimally processed foods.

Often our budgets are tight and we don’t know what else we can cut out to make the numbers work. A great place to start is the grocery budget. Yes, even if you don’t have access to coupons.

I want to share a few tips and tricks with you that I’ve used the past decade. I was fortunate to grow up with a mom who rocked her grocery budget and learn from her. For even more ideas, check out this popular post on how to drastically lower your grocery budget.

If you like e-courses, be sure to check out this FREE e-course on eating well on a budget that Erin at The Humbled Homemaker put together! It’s 5 days long and includes videos and emails!

Ways to Save Money on Groceries Without Coupons

Shop the Ads

This is huge! Don’t menu plan or head to the store without knowing what is on sale where.

We don’t get the newspaper but, thankfully, now days you are able to find almost every ad online. Checkout the websites for both national and local stores to view them.

Take a few minutes to look over the ads and write down what’s on sale at each store.

Watch for Markdowns

Grocery shop in the morning, when possible, and keep your eyes open for markdowns. Get to recognize the stickers that symbolize a discount in price.

I’ve gotten steak, chicken, other meat, bread, kale, spinach, arugula, other produce, chips and so much more for super cheap this way.

The meat, and often time bread products, can go in the freezer to prolong their life but you have to be willing to adjust to your menu to take advantage of the produce with a shorter shelf life. It’s worth taking those few minutes in the store to tweak the menu, though.

Price Match

If your week is too crazy to hit up multiple stores, don’t forget that in most places you can price match at Wal-Mart.

Know What to Buy Where

Don’t assume that just because something is on sale it’s the best price. You need to be aware of what the standard prices are at other grocery stores and online before you decide to stock up. Produce sales at several of our local stores tend to be higher than non-sale prices at Aldi.

Which brings me to the next point:

Aldi

I LOVE Aldi! Many of their regular prices are good deals and their weekly produce sales tend to be exceptional. The produce on sale is what I tend to grab lots of and build my menu around. Aldi is also a great store to watch for markdowns.

(Don’t forget to bring a quarter for your cart and grocery bags but it’s well worth it.)

Store Brands

Give store brands a try. Some might not be a contender with your favorite name brands but you might be surprised.

Again, don’t assume store brand is the lowest price. With a sale a name brand might actually come out ahead.

Skip Packaged Products

Cook from scratch! You’ll save so much money mixing up your own taco seasoning versus buying the little packet from the store (and it’s better for you too). Try your hand at making yogurt, bread, popsicles, mac & cheese, and so forth instead of grabbing the box.

Ibotta

Put your smart phone to use and save a little each shopping trip!

Download the Ibotta grocery rebate app to earn money! Use my referral link and you’ll get a $10 welcome bonus! (My referral code is rxlutjp if you need it.) Checkout the rebates they offer before you head to the stores and when you are done, add the info to the app.

These are a few of the ways I’ve save on groceries over the last 10 years  – no coupons involved. That’s thousands of dollars I’ve saved our family by being intentional about how I shop. You can to! Don’t worry about trying to overhaul your shopping in one week, instead take baby steps and each week continue to make little changes until you get to the ideal budget for your family.

Do you use coupons?

What are your favorite ways to save on groceries?

Grocery Carts: how to save money on groceries

Earn Swagbucks on Your Phone

Super easy way to earn gift cards on your phone using Swagbucks' mobile apps. We love it and it covers our gift budget!

If you have a smart phone, I have a super easy way for you to earn gift cards right on your device! You might already know how much I love Swagbucks. In fact, I have a post of where I talk about if Swagbucks is worth it and my favorite ways to earn Swagbucks on your computer (which earns me at least $160 a year in gift cards).

In some ways, it’s even easier (and less time consuming) doing this on your phone than the computer.

Swagbucks has a few apps that you can download and do tasks on.

Reminder, be sure you are streaming the videos on the apps when you can use wi-fi to ensure you don’t have data overage fees. It’s no fun to get those notifications.

How to Earn Gift Cards on Your Phone

Swagbucks Apps to Download:

SWAGBUCKS MOBILE APP

This app is as close to their website as you can find in an app. There are still something you won’t be able to to find on it.

  • You can use the app to to web searches to try and earn Swagbucks.
  • The circle on the top right corner is where you can enter Swag codes.
  • Shop through the app to earn Swagbucks back.
  • You can also do surveys and watch through this app.

SWAGBUCKS WATCH

This is actually my preferred method to stream videos to earn Swagbucks. It takes fewer videos to earn than on the Swagbucks Mobile App. It’s also a way better deal than watching videos on their website. The videos will autoplay on your phone for the most part. Glance at if every once in a while because you will have to click continue periodically.

So get it going, put your phone to the side where you can check and see if you need to click continue and earn Swagbucks while you are doing other things.

SWAGBUCKS SURVEY

You have access to this on the first app, but this is just more streamlined with just those things on it.

What to do on the Swagbucks Survey App:

  • Submit pictures of your receipts
  • Answer the daily poll
  • Answer about me questions
  • Take surveys

Taking surveys is what I do least often. Because as I talked about in my other post on Swagbucks I find them a little annoying. At times I have to ask dozens of questions only to find out I’m not qualified. The surveys I am able to take, are enjoyable though. The time it takes makes this iffy.

Using Swagbucks can make a difference in a tight budget. Either helping you buy necessities or providing a little bonus spending money that you wouldn’t have been able to have.

Think about the difference that money could make for to your grocery budget. You might even be able to cover Christmas with that money. If you are working hard to make ends meet, these little things really can make a difference.

It’s completely free to sign up, so give Swagbucks a try and see what happens!

Be sure to check out this post to see more ways to earn Swagbucks from your computer!

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Eating Healthy on a Tight Budget

Eating Healthy on a Budget - You can do it!!! These tips will allow you to buy real, whole foods without clipping coupons. My grocery budget is $150 a month!

“I wish I could buy more fruits and vegetables, but I just can’t afford it.”

“I want to eat healthier, but it costs too much.”

If you haven’t said either of of those things, I’m sure you’ve heard them! They can do it and you can as well. In fact, I think in most cases, families can spend less money and eat healthier at the same time! The majority of people I know, spend more than we do on groceries and buy less healthy foods!

So many people want to change their eating habits and start buying more nutrient dense and less processed food, maybe you do as well, but it can seem overwhelming. You might feel there are so many changes to make and wonder that since you can buy generic brand processed foods for cheap – a lot of times just a dollar of two if it’s really affordable to switch.

There are so many different definitions of what’s healthy, in this post and for our family I focus on whole ingredients, making food from scratch or buying products with minimal ingredients, fruits and vegetables, whole grains,  no artificial sweeteners etc.

You can buy healthy food on a tight budget. These tips really make a difference. For added inspirations, be sure to check out the post on reducing your grocery budget.

Eating Healthy on a Budget - You can do it!!! These tips will allow you to buy real, whole foods without clipping coupons. My grocery budget is $150 a month!

Tips for Eating Healthy on a Tight Budget:

Baby Steps!

Don’t feel like you have to go and throw out everything in your pantry and refrigerator and start over. Transition one ingredient at a time. Replace your canola oil with coconut oil, olive oil, and butter. Buy another bunch of bananas instead of the chips. When your flour runs out, try whole wheat.

Menu Plan!

This is a huge deal to me – I have an entire post on why it’s important. If you go to the store and just start putting things you think you need into the cart, you will spend a lot of money. Plan your meals and snacks so you know exactly what to purchase (but if you find an awesome sale or markdown be willing to adapt when you are at the store).

Stick to the Basics!

The basics are almost always going to be cheaper than specialty ingredients. Don’t feel like you need to buy 10 different fats just because you’ve read about them. Stick to coconut oil, olive oil, and butter.

Cook from Scratch!

Avoid the “healthy” convenience foods. Make bread, cook your own mac and cheese, mix up a marinade for the chicken, make muffins instead of buying Poptarts.

In Season Produce!

Vegetables and fruit will make up a big chunk of your meals and snacks. Buy what’s in season and on sale. Also, don’t forget about the frozen produce. Sure, I love fresh produce but fresh green beans in the winter just aren’t happening.

Don’t Feel Pressured to Buy Organic!

If you can’t buy organic, it’s okay. Produce, even conventional, is going to be better for you than a bag of chips or a candy bar. Don’t let not being able to buy what you think of as best keep you from buying what is better.

Free Range/Grass Fed/Pastured. . .!

This follows the same advice as the produce. Sure, I think grass fed beef is the best, but if I don’t have access to someone splitting a quarter of a cow with me or I don’t find it marked down in the grocery store, my budget simply doesn’t allow it. Do keep your eyes open for great deals, but in the mean time feel good about cooking up your own chicken instead of buying lunch meat or browning ground beef instead of picking up taco bell.

Beans, Lentils, and Grains!

These foods are all pretty affordable. Buy several different kinds-of beans and lentils. Try quinoa. Have oatmeal for breakfast a couple times a week. I like meat but I also like these other foods and they happen to be a little easier on the budget so you’ll see them often on our menu plan.

Don’t Waste!

Plan to use those leftovers! I often have each meal I’m cooking twice a week and then there will be another meal that’s leftovers of the leftovers. Instead of eating the same meal twice in a week you could also plan to freeze the other half and pull it out at a later date.

Not only do you not want to waste leftovers, you want to watch the dairy products, produce, potatoes, and onions and make sure you don’t let all the odds and ends go bad! Turn them into a soup or stir fry. Slice up the bell peppers and stick them in the freezer. Freeze the milk in cup portions.

Stock Bag!

This is a continuation of don’t waste! The ends of the celery, pieces of onions and carrots, parsley that’s going bad etc – throw them into a zipped bag and keep in the freezer. The next time you are making stock, add it to the pot with the bones for extra flavor.

Shop Online!

Don’t assume local stores are the cheapest! If you can’t find local honey, order raw honey online (my favorite place for honey is Vitacost – they have an amazing price. If you sign up for Vitacost with my referral link, you’ll get $10 off your first order!) I also like to check (affilate link) Amazon.

Don’t Be A Short Order Cook!

Make one meal and have everyone eat it. In our house we all eat the same thing for supper. There’s no fixing something different for a child. It’s good for the kids and it’s good for the budget! Weekday lunches the kids eat the same thing and the adults do salads. Breakfast my youngest likes oatmeal and us other 3 eat the same thing. Having to buy ingredients to fix two separate meals adds up!

Garden. . . If You Have a Green Thumb!

Herbs are an awesome thing to grow. Fresh ones from the store are expensive. I’m about the worst gardener ever, and have yet to really succeed with planting, but my sister’s herbs flourish! Try tomato plants, squash, lettuce. See what grows well in your area and try something!

Limit the Snacks!

Snacks really aren’t necessary. Even for kids. If we don’t have fruit with breakfast, my kids will have some midmorning and then around 3-4 in the afternoon they’ll have a little something. Fruit, veggies, nuts, popcorn, rice cake etc. It really varies. That’s it. There’s no snacking in the evening because they didn’t eat dinner. Snacks are easy to inhale and can be expensive. Plus, they often cause your meals to go to waste.

How do you handle eating healthy when you are on a tight budget? Any favorite tips to share?

You can do it! Just take baby steps and keep plugging away. We are all doing the best we can. Thankfully there are lots of ways to save, if gardening was the only one we be broke and starved.

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Eating Healthy on a Budget - You can do it!!! These tips will allow you to buy real, whole foods without clipping coupons. My grocery budget is $150 a month!

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Ways to Pay off Mortgage Early

Pay off mortgage early!!! Financial goals can be scary and exciting! This year we are focusing on paying off our house - here's how we are doing it!

Pay off mortgage early. That’s quite the statement. Financial goals they can seem daunting or exciting. Debilitating or exhilarating. Sometimes, a combination of everything.

This year we are challenging ourselves to try and meet a pretty big financial goal. We pay our mortgage (and taxes and insurance) each month but we are going to put a much larger chunk for the next 18 months towards paying extra on our principal!

Pay Off Mortgage Early

Is paying off your mortgage early important to you?

Let’s get down to what this is going to mean in our life.

How Budgeting Looks in Our Home:

My husband works in Christian radio and I work 24 hours a week at our church.

We budget off of my husband’s salary and work hard to make it possible. Even to make it possible, we have to eliminate certain categories and have others less than we’d like, but we want to know that we could live off of that income if we had to.

The money I earn we budget separately. Here is where the “extras” come out of. Things like:

  • Vacations
  • Extras for clothing (to supplement the very little that comes out of our regular budget)
  • Putting extra towards saving goals – new cars, storm shelter etc
  • Putting extra to pay of mortgage early
  • Projects we want to tackle around the house
  • The list goes on. We sit down and look and see what’s going to be happening each month and decide what we are going to do with the money.

Our Financial Goal

This year, we are going to be doing something a bit differently. We are going to be budgeting (and living) off of my husband’s income as usual.

Where the big change comes in, for the next 18 months we are planning on every penny I bring in (after giving) going towards our plan to pay off mortgage early.

It will be tight. We’ll have lots of decisions to make and I’m sure it won’t be easy. I’m guessing that there will be times when we wish we could just use a hundred dollars. We’ll have to say no to lots of things we want to do.

At the same time it’s exciting.

It’s exciting to set a big goal and see it get chipped away at.

Each thousand dollars that comes off of the total will be exhilarating.

Seeing the difference short term sacrifices are making will be exciting.

Not only is it exciting (and scary) I think my husband and I will see plenty of other benefits over the next months besides the obvious perk of our mortgage disappearing.

Benefits of Tackling a Financial Goal as a Couple:

  • Our creativity and trust will be stretched.
  • Extra motivation to try and increase our side income projects.
  • We’ll have to be resourceful to come up with money for things we want or need that come up during the year.
  • We will learn to be content with what we have.
  • As we tackle this big project together, hopefully our communication and relationship will be strengthened.

I’m looking forward to 18 months from now and hopefully having our home paid off and being able to look back over that year and half and see how the sacrifices and determination paid off!

What financial goals have you tackled? Did you see benefits from it? Pay off your mortgage early – is that a phrase you’ve thought of before?

Did you set any big financial goals this year?

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10 super easy ways to drastically lower your grocery budget! I've saved thousands of dollars doing these over the years. GREAT ideas!

The Secret to Financial Success! Sitting down and doing this as a couple and actually following through as made a world of difference. You'll want to start today!

Great (and easy) tips for going wheat free! Make the transition easy on your budget and your family!

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