Invest Your Time Wisely

“Time is money” is an old saying that is meant to convey the urgency of rushing ahead because any time wasted could be time spent earning money. Many times in our frugal lifestyles, we trade off time in order to save money, such as cooking from scratch instead of going through the fast food line, taking out the time to create a grocery list and clip coupons before shopping, etc. Most of the time these are good choices and have a secondary benefit. The time I spend hanging laundry means saves some money, but it also means that my kids … Continue reading

Last Minute Summer Fun the Frugal Way

It seemed as though we woke up one day and realized that summer vacation was almost over. My husband finally got some time off, so we planned some vacation time. Of course, we tried to do it as frugally as we could. Here are some of the ways that we saved. We chose local attractions, within two hours drive. This way, we wouldn’t have to spend money on accommodations, which can be a significant cost when you a family of five. Most hotels will not accommodate families of more than four in a regular hotel room, which means you either … Continue reading

Coupons for Kellogg’s, Pillsbury, and Spam

One of the things I like about Coupons.com is that they send me email that is conveniently filled with links to coupons. It is nice to be able to see, at a glance, exactly what new coupons they are featuring this week. This is a timesaver that I think all coupon-clippers will appreciate! Here are the coupons that Coupons.com is featuring this week. There was a time, not too long ago, when you couldn’t access coupons from Kellogg’s from Coupons.com. All of a sudden, the coupons from Kellogg’s had the “clip” function disabled, which meant that you couldn’t print them … Continue reading

Getting a Bargain on Glassware

You know how everything seems to happen in threes? It happened at my house this week. Three drinking glasses shattered or cracked mysteriously, as if they all suddenly decided that they were at the end of their useful life. That left us with only two glasses left, plus a sturdy mug we got as a freebie and several plastic cups that had just been put in the donation pile (my kids are now old enough to handle glass). We eyed the two glasses warily. Would they suddenly decide to break, too? We couldn’t be sure. Plus, two glasses and one … Continue reading

Monthly Budgeting

I’ve always been pretty good with money. From the time I was little I was never one to rush out and spend what little money I had. I’d save all my pennies until I had enough for what I really wanted and then I’d start saving for the next thing on my list. Now as a single parent sticking to my budget has become even more important. For most of us there is very little money left over at the end of the month. Saving can be a real challenge when there is nothing left to save. Bills have to … Continue reading

Buy It Online or At The Store?

Online shopping sure is convenient, and for quite a few items like books, small electronics, toys, and technology, you can find prices that are well below what you would pay at a retail store. However, for various reasons, there are some things that it is better to buy at the store. One example of a situation where it is better to buy in store rather than online is groceries. The thought of having groceries delivered to your door is certainly enticing, especially if you do not enjoy going to the grocery store. From a money saving point of view though, … Continue reading

Save Money and Time by Staying Organized

Did you know that being disorganized can actually cost you money? It’s true. If the information that you keep regarding your finances is not organized and kept in a dedicated place, there are a few ways in which you can lose money. By taking the time to organize your financial information, you can stop losing money and even save time too. One important tool for keeping your finances organized is a calendar. You can choose to write financial information on your regular calendar or on a separate calendar that is dedicated to money related items. Writing down when all of … Continue reading

Coupons and Me – We are Not Meant to Be

You may remember that a few months ago, I decided to give couponing a try. In case you are wondering how that all worked out, I must confess that I have stopped couponing. For about a month, I faithfully got the newspaper every Sunday and clipped and sorted the coupons. I had them all organized in envelopes, and I scanned three area grocery store flyers to see whether I could use any coupons along with sale prices to get great deals. While I did get some excellent prices on a few things, there were things that I noticed along the … Continue reading

What Are the Generic Brands at the Warehouse Stores?

You’ll save money when you shop the generic brands (or private label brands) at your local grocery store. This is true whether you are shopping a regular chain grocery store or a warehouse store. Both types of stores have generic brands on many items, although it isn’t always obvious that they do. You can save big with these generic brands. Not only can the store offer low price son them because of the lack of advertising, but warehouse stores buy these items from manufacturers in much greater quantities than regular grocery stores, so you wind up with even greater savings. … Continue reading

How to Give When You Are on A Budget

Just because finances are tight doesn’t meant that you have to give up on giving. Here are some strategies to help you make the most impact within limited means. Play favorites Really take the time to concentrate your charitable efforts. Instead of giving a little to many charities, focus on one or two that really resonate with you and your family. Not only will this make a bigger impact to your chosen charities, but you will probably get to know the causes better than if you spread your money around every time there is a candy fundraiser, car wash or … Continue reading