Showing posts with label Saving Money. Show all posts
Showing posts with label Saving Money. Show all posts

Tuesday, May 5, 2020

Homemade Weed Killer

I've never been much for putting chemicals on our yard, but weeds are my enemy.  I researched a lot of homemade weed killers.  I found this one and it worked like a charm! 


Homemade Weed Killer:
4 cups Vinegar
1/4 cup borox
1 teaspoon liquid dish soap
Mix together and place in spray bottle


This is what I started off with.  I have pulled these stubborn weeds many a time, and they always come right back.



Here is what it looked like just 24 hours after spraying.
After 48 hours the weeds were completely dead and easy to pull out of the ground.  I sprayed the rest of the rock area in hopes that nothing will come up in the dead weed space.  Keep in mind this solution will kill grass too, so make sure you only spray what you want to kill!

Here is the end product.  It looks so much better!  We will see what happens in a couple weeks.  Crossing my fingers the weeds stay away.

Tuesday, October 4, 2016

Thrift Shopping

I started my job a few weeks ago.  I work in a medical office and my uniform is scrubs.  I bought a couple cheap pairs online until I knew what I wanted to wear each day.  I have been wearing the same 3 sets since I started.  I started looking at buying a few more pairs and wasn't happy with how much they cost.  I hate spending money on clothes.

Today was my day off so I decided to hit up the thrift shops. I spent a couple hours and came away with 4 shirts and 4 pants for about the price I would have paid for 1 brand new set.  I spent a total of $28.26 for all this!
I think I did pretty good!   

Friday, September 9, 2016

Saving Money While Dining Out


There's no hiding it, our family loves to go out to dinner.  We fall into that category of every time there is something to celebrate we go out to eat or get dessert.  However, with a family of 6 that can add up pretty quickly.  Here is a few ways to cut back the costs of eating out if you have children.
If you have children, find places where kids eat free or cheap.  There is all sorts of places around that lets kids eat FREE on specific nights.  Usually you can have one free child's meal with each paying adult meal.  Here are a few if you're in the area.

Mondays-Village Inn
Tuesdays-Pizza Ranch, IHop, Perkins, HyVee Market Grill in Ankeny, Pizza Hut Buffet
Wednesday-Wig and Pen in Ankeny 
Thursday-Cozy Cafe in Clive
Friday-
Saturday-Z'Mariks Noodle Cafe
Sunday-Okaboji Grill, Planet Sub

Other restaurants offer deals during certain days or during certain hours of the day.  For example on Wednesdays McDonalds offers reduced price Happy Meals all day,  Buffalo Wild Wings offers $1.99 kids meals all day and Applebee's offers 1/2 price kids meals from 4pm to close.

Another way to save some change is to skip the fancy drinks.  Sticking with just plain ol' water will save you around $2 per person!  You can always look for coupons and offers in magazines or newspapers and even on Groupon.  This isn't very fun but you can always skip dessert as well and that will cut a huge portion of your bill down.  Or maybe you can just skip the entree and just order dessert!   



Wednesday, August 24, 2016

Free fruit, foraging, drying, and frugal snacks

Today's post is a guest post from Julie over at Juliecache.com

Look at the ground. It was not easy to maneuver the slope and the windfalls.
I spent one morning and one evening picking fruit with my handy dandy fruit picker. I may have to upgrade to a fruit picker like my sister's above -- I got to try it today, and that telescoping handle is pretty convenient for a short person like myself.
"I" of GAIN and I drove a 1 mile radius from our house and picked apples from five different public trees before dusk came the other night. I peeled, sliced, and dried about six apples this morning -- they are already gone. The kids have told me they prefer dried apple slices over fruit leather. But they still like fruit leather, so we also picked pears right as it got dark. The pears will be mixed with apples to become fruit leather later this weekend. (Commercial fruit leathers have pears as a main ingredient.)
This morning, my sister, her youngest, my youngest, and I went to pick more pears before the heat got unbearable. The fruit was like what you'd find at a grocers.
The negatives of picking your own fruit were very insignificant compared to the benefits. We really didn't expect to step in slimy overripe fallen fruit and see so many bees and butterflies, but we did expect to see the toddler eat a few pears (oh, so cute) and we did expect to gather enough for our families to eat. We easily saved a lot a money by not purchasing at the store -- three large boxes were filled in less than an hour. I believe Sara's plan is to can the fruit for eating later in the year. What a blessing to have abundance during our drought.

Julia is a foraging, food producing, food preserving, home cooking, bee keeping, and event producing mother of four. She lives in Iowa and loves to learn new things. You can read her blog at http://juliecache.com.

Tuesday, August 16, 2016

Tips on Lowering Your Water Bill



During the summer my water bill always goes way up.  The kiddie pool, sprinkler, watering the garden all contribute to the increase.  We have actually gotten quite a bit of rain so that has helped my garden and deck plants.  Collecting rain water to use later to water your garden or flowers is a great way to cut back on water costs.  Here are some more ways to help keep your water bill low.

*Use your dishwasher. When filled properly it uses less water then hand washing.
*Don't pre-wash your dishes.
*Only run the dishwasher when it is full.
*Install faucet aerators. This screws onto the bottom of your faucet to reduce water flow.
*Keep drinking water in the fridge then it is already cold and you don't have to wait to let the water get cold.
*Use a low-flow shower head.
*Take showers instead of baths.
*Shorten your shower time.
*Turn off water while brushing your teeth.
*Check sinks and toilets for leaks.
*Wear your clothes more than once.
*Wash only full loads of laundry.
*Collect rain water for plants.
*If you have a wading pool for your kids, instead of dumping the water when it gets yucky use this water for your garden and flowers.

Feel free to share any other suggestions.

Thursday, July 21, 2016

Tracking Your Spending


Image result for receipts

We've gone through phases of tracking our spending.  Usually when we are at the end of the week or the month and we have no idea where all our money went.  We went a long stretch without paying attention to our spending.  That got us a bit in trouble.  When we picked it back up and started paying attention I was shocked to see how much money was being spent on our variable expenses.  You can plan for your fixed expenses each month, mortgage, energy, phone, water bills.  However, when it comes to things like entertainment, eating out, groceries, etc it can add up quickly without even realizing it.

For the last few months we have been serious about tracking every dollar we spend.  I keep a notebook attached to the refrigerator where I write down what we spend each day.  I also have a clip on the fridge so that my husband and I can attach receipts.  I go through every couple days and write out all the receipts by date onto the notebook.  The key is to make sure you get a receipt for everything you purchase or at least write it down as soon as you can so that you don't forget what you spent.

The fist month (March) we started tracking I wrote everything down by date and then every week I would add up that weeks expenses.  At the end of the month I could compare what went out vs what came in.  At this point I really wasn't paying attention to what we were spending our money on just how much we were spending.

The second month I continued to write down everything but this time at the end of the month I tallied up what we spent on our variable expenses.  My main focus was gas, entertainment, dining out, and groceries.  I was stunned to see at the end of the month what we spent on some of these things.

By May I started something new.  I would post on the fridge what my budgeted amount for the month was for each of these variable expenses.   For example we budget $500 a month for groceries.  Each time we spent money on groceries I would subtract it from the monthly total.  This way I always knew exactly what we had left to spend for that month.

This worked a lot better and I have continued to follow our expenses each month.  It keeps me on track with how much and what we are spending our money on.  Do you track your expenses?

Sunday, March 1, 2015

Review Your Budget


It's the beginning of a new month which means it's time to review your budget. Can you believe it is March? Spring is just around the corner! Check out all your categories. Make sure you are staying within your budgeted amounts. Are you spending more in any areas?  Has your income changed? Maybe you need to do some adjusting.

Have you started planning that summer vacation?  You may want to add that category to your budget.  It makes it easier if you start setting a certain amount of money aside each month.

Take the time to sit down and go over your budget, it's there to help you know where your money is going and keep you on track.

Saturday, February 28, 2015

Paying Off Debt

I am so happy to announce that we have finally gotten our credit card debt payed off!  We got our income tax refund back and we put the majority of it to our credit card.  It feels really good to not have to worry about that anymore.  We also got some medical bills paid.

It was tough.  We really wanted to go out and get or do something fun.  However, paying off those lingering bills feels so much better than any new gadget or fancy dinner!

Now our focus is on SAVING money.  We would love some day to move and buy some land out in the country.  It won't be anytime soon.  We have a LONG way to go, but it's a dream both me and my husband share.

I'm trying to find some new ways to earn and save some money. I'm planning on doing an eat from the pantry challenge in April.  I'll be planting more vegetables this year in hopes to put up a lot more food for the winter months.  All of these things I plan to share with you.

If you have any recommendations or suggestions I am always interested.

Wednesday, January 14, 2015

Back on the Wagon

Since my blogging break, my family as well as myself have gotten sloppy.  Sloppy with spending money, sloppy about turning lights off, sloppy about taking long showers, you get the idea.  I am not happy to admit that for the first time in forever, we have, wait for it... credit card debt.  It pains me to even type that.

I could fill you with excuses.  Unexpected expenses came up, we had multiple car issues, health issues and so on.  But, along with all that we also went out to eat a lot, bought unnecessary items, and just didn't keep track of expenses the way we should.  Basically we just got lazy.

It's ok though.  We have recognized the problem and are ready to change.  We are excited to begin paying off our debts and putting money back into our savings account.

So let's start with an easy fix.  Eating out.  For our family of 6 (my oldest son has moved out) we spend an average of $50 each time we go out to dinner.  If we go to a sit down restaurant we can spend upwards of $100.  Even if we eat at McDonalds we are looking at $35 or so for all of us.  If we eat out twice a week that's $100/wk, $400/mo, $1200/yr.  For unhealthy, processed food!

Our goal right now is to completely cut eating out, at least until we get caught up on some bills.  Once we are caught up, then eventually we can work back in to eating dinner out once in awhile.  I'm not gonna lie-we like to go out to dinner.  Who doesn't like to go out with family or friends and enjoy a night away from the kitchen?

For now cutting this unnecessary expense could save us a few hundred dollars per month.

Monday, March 11, 2013

Reviewing Expenses Cable, Internet, Phone

                      (photo credit)

I have been reviewing our expenses alot lately.  Trying to find ways to cut back and cut out things we don't need.

Our contract was up with our cable, internet and phone provider.  We were paying roughly $100 a month for all three of these services.  We also subscribe to Netfix so that was an additional $15 each month.  Once our contract was up our monthly bill jumped to $230 per month for phone, cable and internet.

My husband made some calls and our current company was not able to give us any better rate for at least 3 months.  When we called the competitor they weren't able to give us a price that we liked for cable.  My husband and I decided that we really didn't need to continue with cable especially at the price we were given.

So in the end we cut out cable and lowered our bill by about $20 ($150 if we stuck with the new rates.) My point in telling you this is because it might be worth researching your options if you pay for any of these services.  Package deals aren't always the best option.  Just getting the "basics" of each item may be the way to go.

Don't pay for services you don't need.  For internet, research the best speed for what you are using it for.  If you simply check email and browse the web you may not need to pay for that "lightening fast" connection.

As far as phone service do you really need caller ID and long distance?  If you have a cellphone you are paying for as well maybe getting just a  barebone landline is the best option.  If nothing else it can't hurt to call your local company and see what the best options are for you.


Sunday, February 10, 2013

Using the Microwave Instead of the Stove

For simple tasks such as reheating, preheating, boiling water, and defrosting using the microwave verses the stove is the more energy efficient choice.  Microwaves work faster and more energy is aimed directly at the food as opposed to the container and the area around it.

The microwave (most modern options) uses up to 75 percent less energy.  Along with using more energy the stove will also put off heat, increasing the temperature in your kitchen.  This may not be bad in the winter, but more heat is the last thing you want to add to your kitchen on those hot summer days.

There is a lot of talk over microwaves and whether they are the greener option.  I would have to do some more research before I debated that issue.  I'm just saying when it comes to energy efficiency, it will typically cost you less to use your microwave when possible, instead of the stove.

Thursday, January 3, 2013

Happy New Year

Hello and Happy New Year!!  It's been awhile since I have posted.  Time has seemed to fly by.  Things are a little crazy as usual around our house.  It's hard to believe we are into a new year already.

I love the new year.  I always feel like it is a fresh start.  New beginnings.  I usually sit down and write up a list of goals for the year but I haven't even had time to do that yet.  It's on my "to do" list along with many other things!

Our family had a great Christmas filled with good food and wonderful family.  My boys had 10 days home for winter break.  Unfortunately some of that time was spent with one or more of them being sick.  It seems our family has had it all already.  The respiratory bug, the stomach bug, hopefully it is all done and over with for the season (fingers crossed). 

Our new year's was filled with more good food and some time well spent with good friends from out of town.

Now that the holidays are over it's time to buckle back down on our spending.  On the top of my "to do" list is to revisit our budget and make necessary changes.  As usual we have had many expenses pop up.  We had 2 vehicles break down, a daughter who is having surgery in a week, and we are still paying for my husbands very expensive new teeth (2 root canals and crowns in November).  There is never a shortage of people wanting our money!

I plan to start posting more and am excited to share with you some ways my family will be living more frugally and saving money in the new year.

I hope everyone enjoyed the holiday season.  Now it's time to get back on track, get those bills paid, and start saving some money!


Saturday, December 8, 2012

Stocking Up on Holiday Sales

Christmas is right around the corner.  I love this time of year!  Cold weather, warm blankets, family, food, laughter and lots of baking!

This is the time of year to stock up on most baking supplies.  Flour, sugars, butter and margarine typically all go on sale around Thanksgiving and Christmas.Watch your grocery ads carefully and if possible stock up on those items when they hit rock bottom prices.

5 lb bags of flour were in my local grocery ad this week for $.99.  Regular price is almost $3.  Cereal was another good stock up item this week.  Regular price of this cereal is $3.29 per box.  Sale price was $1.88.  I also had coupons to stack with this sale to make my cost even lower.

As with any item that you purchase, stock up when the prices are low.  Flours and sugars have a very long shelf life.  Butter can be stored in the freezer for 6-9 months and margarine for 12 months.  Cereal can typically be stored for 12 months. The "best by" dates on products is the manufactures estimated date that the item will remain at peak quality.  In most cases if the item is stored properly and not opened, it should be safe well after the "best by" date.


Sunday, November 11, 2012

Stocking Up on Items After the Holidays

I like to hit up the stores after the holidays to see what kind of deals I can find.  I am not necessarily looking for "holiday" items.  This is a good time to pick up items that are clearanced out because they have a special holiday package.  For example, in the past I have picked up clearanced toothpaste, ziplock baggies, and candy all deeply discounted because it was in a holiday package.  Once the holiday is over stores don't want these items anymore.

Last week I stopped by 2 stores and each had their Halloween items 75% off.  Here are some of the things I grabbed.  I picked up muffin cups for $.48.  I got some sprinkles for decorating cakes and cookies for $.47.      I got cake mixes for $.68 and Captain Crunch cereal was marked from $3 down to $1.19 per box.  I was even able to pick up some sleep pants for my son who is 14.  I got the pants for $2.73 and he loved that they were orange with skulls on them!

Even though all of these things had a Halloween theme I am still able to use them now and I would have had to buy some of them anyway.  If I can pay a quarter or even half of the price I am super happy!

After holidays keep your eyes open for those special packaged items that may be clearanced out.

Monday, October 8, 2012

My Visit to the Discount Store

I went on a field trip with my sister the other day.  We headed to Dallas Center, Iowa. Our mission was to stop at an Amish bulk store and a discount store my sister had heard about.

Our first stop was to a discount store. I wasn't exactly sure what to expect.  Here is some information I took from their website.    

The prices are lower because Centsable sells products that have been mishandled, or didn't make it to the big-name store for some other reason.  Chain stores might not sell an entire palette of canned goods if one can gets dented.  Instead, they sell them for pennies on the dollar to us, and the savings are passed on to our customers.

I didn't find a whole lot of dented or damaged goods.  Mostly what we found were expired items.  The main thing while browsing the aisles was to check the expiration dates.  We found a bottle of lime preserves that expired in 2009!  For a small store they had a very mixed bag of products.  Along with food, there were seasonal items like Easter candy, medications, shampoo, sunscreen and charcoal to name a few.

You also had to really check the prices.  For example they had 2lb boxes of Velveeta cheese for $5.49.  In my area that is the same price you would pay at the grocery store.  Stove Top Stuffing was priced at $.99.  You can get that for about that price at the store, sometimes cheaper if using a coupon.  Coffee was another item I found that wasn't marked down very much.  Dunkin Donut Coffee was marked $5.49 only about $2 cheaper than store bought and usually you can find a coupon for this brand as well.

Can you say junk food??
With all that being said I did pick up a few items. 

Marshmallows were $.50.  They were expired and I could feel they weren't very soft but since I use them in baking I went ahead and bought them.  I also picked up Sea Salt for $.99.  Not a huge bargain but about half of what I would pay at my local store.  Tubes of frosting for cakes were marked at $.49, the chips we got are for special occasions and ranged anywhere from $.49-$.99.  I also got quite a few candy items for $.35.  These come in handy for ball games when my kiddos want to get a snack and I would normally give them $1 to do so.

My overall opinion was so-so.  If I were to be driving by I would probably stop and check it out again since their products change all the time.  I definitely won't be making any special trips to go back.  Like I said, the prices weren't very exciting and there was just way too much expired food.  I know food is usually good past their date on the package but some of these were months, if not years past expiration.

I will write about our second visit to the Amish bulk store in another post.  I was happier with that visit.

How about you?  Have you ever shopped at a discount store advertising "damaged" or "dented" items before?

Saturday, October 6, 2012

Finding Ways to Save Money

It's hard to believe we are already in to October.  It has been a busy couple months full of some planned and some unplanned expenses. 

My husband was having some tooth pain and visited the dentist who told him he needed not one, but two root canals.  We got a new kitty over the summer and he has required some trips to the vet and of course neutering.  Now that we added our 16 year old son to our car insurance our 6 month premiums have more than doubled.  Plus the truck we bought him needs 4 new tires.  Of course all of these things happen at the same time and along with our other normal monthly expenses like utilities, gas and groceries things have been a little tight to say the least.

I HATE using credit cards and when we do, we pay it off  right away.  I can't stand the thought of paying interest.  I am really hoping to avoid doing that if at all possible.  Here are just a few things we have been trying to do to save/earn a little extra cash.

Use less.  I am trying to use less of everything.  Using less electicity by keeping lights off and unplugging when possible.  Watch my laundry drying time and hang clothes outside when I can.  I am trying to cut back on water.  No more garden watering, no more loooong showers.  Combine my errands and stay home as much as possible to save on gas.  $3.69/gal is killing our budget.  Now that my son is driving our gas budget is going to have to be revisited.

Waste less food and make less trips to the store.  Using up all the leftovers and trying to not let anything go bad.  Watching expiration dates and using what is in the pantry.  Less trips to the store means less impulse buying.  I need to get back to once a week shopping and sticking to my list. 

Choosing to stay home.  This was tough because my husband was on vacation this last week.  It was the perfect opportunity to explore some new restaurants I have been wanting to try while all the kids were in school.  Instead, we choose to stay home and eat. 

Sell something.  My husband and I both have gone through some of our old items and taken pictures of them to post on Craigslist.  We aren't using them and they are just collecting dust sitting around so why not try and make a little money?  Anyone want to buy a trumpet, PSP, or baby jumper?  :)

I keep thinking Christmas is just around the corner too.  Only 79 more days.  I just really need to win the lottery!  

Monday, July 16, 2012

Freezing Yogurt

I was gifted a case of yogurt a few weeks ago.  There were 6 large containers.  We go through yogurt pretty fast at our house but this yogurt was close to expiration and was needed to be eaten quickly.  I knew we wouldn't be able to go through all of it so instead of letting it spoil I decided to try and freeze it. 
I spooned the yogurt into ice cube trays and placed them in the freezer.  After a couple hours I pulled out he trays, popped out the cubes and placed them into a ziplock bag.  I then labeled the bag and placed back in the freezer. 

I was very happy with the way they turned out.  The cubes thaw nicely, and once stirred, they return to their normal consistency (this was All Natural Chobani Greek yogurt that I used, not sure how other yogurts will thaw).  The cubes also work great for my smoothies.  I just pop a couple into the blender, add my fruit and/or veggies and push the button.  So easy!  









The frozen yogurt cubes also make great snacks on a hot day. 



Freezing is a great way to use up any yogurt that is close to expiration.  Another idea would be to stock up on it when it is at rock bottom price and freeze any extra that you may not use right away.

This post is linked to the Frugal Tuesday Tip hosted here at Learning the Frugal Life.  

Friday, June 29, 2012

Conserving Water

With hot weather in full force we are using large amounts of water daily.  I have been looking for ways to conserve our water usage.  Here are a few ways we have been cutting back on water.  I would love to hear any other ideas.

We have been filling up the kiddie pool on hot days.  Instead of just dumping the water out we use that water to water the garden and flowers.  This is a great job for kids-they don't mind the many trips back and forth.  I could just put the pool closer to the garden but then how would they get their exercise?

Time our showers.  My husband and I can take pretty quick showers (when we want to).  Our kids on the other hand lose all track of time once they get in the shower.  So we bang on the door or remind them nicely to speed it up.  Wash hair, wash body, rinse off, get out. 

Bath water.  I am the first one to love a full tub of hot bath water.  But when giving my kiddos a bath, especially our toddler I put just enough water in to get her clean. 

Rain barrels.  I love my rain barrels!  There are many varieties of rain barrels that you can make.  My husband looked at pictures online and watched some Youtube videos and made ours.  I am hoping to add one or 2 more barrels back by our chicken coop. 

How do you conserve water at your house? 

Wednesday, June 20, 2012

My Shopping Trip

I made a quick run into the store tonight to use a handful of coupons that were going to expire in the next few days.  Here is what I purchased.

3 French's Mustard at $1 each.  I paid $.70 each
6 Smart Balance Butter at $2.28 each.  I paid $1.28 each
6 Colgate Toothpaste at $.97 each.  I paid $.22 each
1 Crest Toothpaste at $1.00.  I paid $.75.
6 Ball Park Franks at $2.78 each.  I paid $4.81 for 2.
1 Gain dish soap $.97.  I paid $.47

Total before coupons:  $34.31
Total after coupons:  $19.91

Remember when shopping with coupons, it is important to calculate the price per unit of the product you are wanting to purchase.  You may automatically think that using your coupon on the largest size product will give you the best deal, however this isn't always true.  For example using my $.75 Colgate coupon was certainly a better deal on the smallest size toothpaste.  I ended up only paying $.22 for 2.1 ounces of toothpaste.  I paid a lot less per ounce then if I had gotten a larger size. 

Monday, June 18, 2012

Garden Pictures

One of the most frugal things we do is keep a large garden.  I save a lot of money in my grocery budget not to mention the fact that I just plain love gardening. There is something about growing your own food and eating right out of your own backyard.  Here is how our garden is looking these days.

This last weekend we got over 4 inches of rain.  The temperatures this week are going to be hot.  Today was almost 100 degrees.  I took these pictures a couple days ago and already things are growing larger.  This is a look across most of the garden.  Spinach, lettuce, kale, swiss chard, carrots, onions, green beans.
Here is summer squash, zucchini, cucumbers and a random potato plant that came up voluntarily.  
Peas.  I have been harvesting lots of snow peas and just harvested my first batch of regular peas yesterday.

Here is my first squash!
Here is the other side of the garden.  Green beans, bell peppers and tomatoes.  Next to the peas at the top are cantaloupe.  
My green beans are blooming and I suspect that after this week I will be seeing some beans.

Growing your own food is an easy way to save money.  Not only do you save money but you know exactly where your food came from and how it was grown.