20 Ways to Save Money on Everyday Items….

Growing up money was tight, I learned at a very young age you had to work hard for everything you want in life. This also taught me the importance of money. Saving it, making it and especially how to spend it.

After marriage and graduating college money issues were not as “tight”, but I still took those young values I learned with me and it has paid off!

Here are ways I like to save money!

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  1. Cell Phone bill – I had AT&T for years, I would call every so often and explain that I will have to cancel my account since the prices were constantly going up. It wasn’t until a blog conference that I recently found out Cricket is owned by AT&T. I did my research and found out they use the same towers and covered the same area. So I switched from a 160.00 for two lines to 100.00 for four lines.
  2.  Cable bill – I hated writing the 124.00 a month check to Directv every month so I did a little research and sure enough if you call them when they have promotions and ask for it, you can cut your bill to half of what it is. I now pay around 60.00 a month. The only reason we keep it is the husbands wants the SEC channel.
  3. Filters – Changing out your air conditioner/heater filters often will help save on the electricity bill. The more clogged they are the more the air conditioner/heater will have to run.
  4. Shop wisely – When I am browsing in a boutique, I usually take a picture of the tag of something I really, really, like 99% of the time I can find it online way cheaper than in the store!
  5. Dollar Tree – This place will save you 5.00 – 10.00 a week if you shop there first. I buy all my cards and gift bags from here and every now and then you will find something on your grocery list there for a dollar!!
  6. Wash your sheets – Keeping your bed clean will help you not to get sick as much. Besides the fact that clean bed is amazing!
  7. Coupons or Sales– Check for printable or app coupons before leaving to shop, plan meals around what is for sale that week. Regardless of how great the coupon is, only buy what you will use.
  8. Bulk – Take a calculator with you, if it is a lot cheaper to buy it in bulk then do it. I love when something in bulk is on sale and I have a coupon, I stock up!
  9. Budget – Make and stay on a budget regardless!! This is important to learn, I remember weeks when I would say we are going to have a “leftover” night or let’s find a meal at the “Dollar Store”. Really what I meant is that is all we could afford but wanted it to seem like a fun activity. Staying on the budget meant getting creative.
  10. Electricity – It is important to seal off any air leaks or making sure your home is insulated to reduce the electricity bill.
  11. Intrest Rate – Negotiate those as often as possible.  You will be amazed at how willing a company will be to work with you if you make payments timely.
  12. Pyramid payment – This took us several years to master but now I am happy to say we are debt free! You take your smallest bill rather if it is a 300.00 jewelry store account or 500.00 hospital account and you pay extra until it is paid and continue this until everything is paid off. We paid cash this year for my new Cadillac and it sure felt good!
  13. Savings – Regardless if you put 5.00 a week away, make sure you start and have a savings account. You need something to fall back on when you have an emergency!
  14. Education Degree – The more education you have or can receive the more you make in life, as a general rule. Try and get some type of degree even if you can only take one class a semester. There are so many grants and aids that can help you with this.
  15. Church – Most churches have a ton of really fun free activities you can do as a family. Church communities love to help out.
  16. Yard Sales – I can’t tell you how many times, my new wardrobe consisted of my latest yard sale finds. Most yard sales have clothes really reasonably priced. I clothed my children for years from yard sale finds.
  17. Garden – Plant a small garden of veggies your family likes. If you don’t have room for a garden put them in a pot, people love fresh veggies and it is a great way to give to others.
  18. Fix broken items – If there is an issue with something like a vacuum or dripping water faucet, fix it immediately. You will save money in the long run by taking care of it right away.
  19. Money saving sites – Shop sites like slickdeals.net before making online purchases to see if there are any great deal or prices. I recently found a 99.00 gift that I wanted to get my grandson for his birthday on there for 25.00 at a certain store. I was so excited!!
  20. Ebates – If you download Ebates to your dashboard every time you shop online it will pop up and tell you how much $$ you will make from the purchase not only that but it will find if there is any money saving coupons out there. I use it for every purchase and get a check in the mail!!

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These are a few of my favorite ways to save money! I am sure there are a ton more ideas and would love to hear yours!!

Tips For A Budget-Friendly Summer

Summer has a way of making us feel carefree; we happily spend more money on treats, family outings, or activities for the kids, only to check our balance in September and realise that we might have taken too much out of the savings account. While it’s true that you can’t put a price on the memories you make with your family, you do still need to have enough put away to make more memories in the future. If you’d like to have your cake and eat it too, here are a few tips so you can have the best summer ever on the lowest budget possible.

Cheap vacations

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It’s tempting to opt for a staycation each summer because this is when flights are usually their most expensive, and you don’t often know if there’s enough in the budget to book in advance. Fortunately, you can still take the family somewhere exotic with a few money-saving hacks. Flights tend to be more expensive from Friday to Sunday because most people want to make the most of the weekend in a foreign country. Since you have the whole summer holiday to choose from, try to book a flight that leaves in the middle of the week to save a few dollars. You can also save if you aim to travel the week before the kids go back to school, as this is when prices might start to drop. Websites such as Skyscanner can help you compare flight prices across a whole month so you’ll know the cheapest days to fly, saving you a potential packet. Going all-inclusive can save you more money, especially if you take full advantage of the breakfast buffets and the hotel swimming pool. Spanish destinations such as Majorca and Tenerife, or Algarve in Portugal, are always a hit with families, so these are good places to start looking for an all-inclusive vacation.

Camping

The great outdoors can be just as engaging as a games console, and it’s usually free. Although some campsite will charge you to pitch your tent, there’s no cost for sleeping in the back garden with your younger kids, or out in the woods with more mature children. Brush up on some simple survival skills and teach them how to survive in the wild, introduce them to the simple thrill of climbing trees, see who can spot the most species of birds, and in the evening you can show them how to make perfect s’mores over the campfire. Not only does this experience get everyone out of their comfort zone and encourage the kids to work together to put up the tent and start a fire, but it will help them appreciate the things they take for granted at home; hot showers and indoor plumbing seems like a luxury after a weekend in the woods. Most importantly, however, spending time outdoors will teach children how to respect nature and the environment.

Rent out your house

You don’t need to have a second home or spare room to make money from a lodger. If you’re planning on spending a few weeks away, and you live in a popular area, you could make some extra money by renting out your house to other holidaymakers. You can sign up to be a host on Airbnb, put out feelers with friends, or by making a website advertising your house to people looking for nice accommodation for their vacation.

Packing for vacations

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Hard as it may be to admit, your little ones aren’t as little as they were last year, and all their clothes from the previous summer no longer fit. Before you start packing for your vacation, you need to make sure you have enough summer clothes that fit them comfortably, not to mention all the other summer essentials you need to buy like sunscreen, allergy medication, and travel sized toiletries. To make sure you still have enough left for vacation spending money, you can go to the stores armed with discounts from Coupon Sherpa and make substantial savings on clothes and other items. It might require you to do a little legwork and shopping at several different stores, but it’s worth it just to save a few dollars.

Active family

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If you’ve been trying to find a way to motivate yourself to do more exercise, there is no bigger encouragement than your children; not just because you want to be healthy, but because they will drive you crazy when they start climbing the walls with boredom and the only solution is to get everyone out of the house. If you have fairly young children, take them to the park and actually play with them; run around to catch them on the slide, push them on the swings, or try getting involved in their game of tag. With slightly older kids, you could get everyone on their bikes and ride down the coast, whip out the water pistols and having an all-out war, or check your local area and see if there are any events that will get them walking. If you show your children the value of getting out of the house and having a good time, they may never catch on that you’re doing this for the exercise.

Rainy day fun

Despite all your best efforts to get the kids away from the electronic devices and out into the fresh air, sometimes the weather will conspire against you. Fortunately, you can still find ways to keep the kids busy without the lure of technology. One way to keep the kids occupied is by teaching them how to cook. Your options are endless; you can have them help you make the family’s favourite dinner, you can choose a new recipe to try together, or you can teach them how to make a really easy dish so they can begin building their cooking skills. If you have them help you with dinner, be sure to compliment them on their contribution and watch their little faces light up with pride.