Monday, September 6, 2010
4. Shop with Cash: You will very likely see savings on your grocery bill if you shop with cash. It forces you to stick to your budget. If you don't have the $ in hand, then you can't spend it. Using a debit or credit card gives you a leeway to go over that $2 or so each time. If you go over just a few dollars every time, that will not seem like much at the time, but will add up by the end of the year. It could be as much as a $100 or so.
~Use the envelope system to put your cash in.
*Guidelines: 1. Commit to only spend what is in your grocery envelope for the next three months. 2. Go to bank and with drawl cash in the amount of your predetermined grocery budget. 3. Leave your credit/debit card at home. 4. Calculate purchases on a calculator as you add them to your cart. (Be sure to note last entry amount each time, just in case you accidentally hit clear. Speaking from experience. ) 5. PAY WITH CASH.
5. The Buy Ahead Principle: One of the biggest successes to grocery savings. NEVER PAY RETAIL.
--if you are patient and observant, you can buy most items at %0% or more off.
---How To Build a Stockpile;
1. Designate a small portion of your grocery budget to building up your stockpile. - $5- 10/wk on deeply discounted items.
2. Designate an area in your home to store your stockpile.
3. Determine when enough is enough.
6. Shop at more than one store. Take time to scout out the stores nearby and pick a few stores which have the best deals and sales.
~make a list of all the stores in your area.
~visit your stores and record prices of 25 items you routinely buy.
~find out what your local stores coupon and mark down policies are. - double coupons? limitations? expired coupons? store coupons used in addition to manufactures coupons? competitors coupons? reduces produce, dairy and meats on regular basis? when?
~determine which stores regularly have the lowest prices and best values?
7. Everyone should use coupons - coupons are available for all foods, not just processed foods. Use coupons wisely..wait for items to go on sale and then use your coupon.
8. 10 ways to get free coupons:
~1. ask friends or relatives for their extra coupon inserts.
~2. stop by Starbucks/McDonalds on Sundays... people will throw away those inserts.
~3. make friends with someone who delivers papers.
~4. trade coupons. Try http://www.hotcouponworld.com/
~5. Join a coupon train.
~6. check your library for those inserts. The library does not keep the coupon inserts.
~7. dumpster dive: some of my friends have been able to get great deals this way.
~8. pick up coupons at the stores.
~9. print coupons online.
~10. write the companies and ask to be put on their special mailing lists.
Ok, there you have part two. This last weekend, I bought my papers and am currently in the middle of the huge mountain of coupons to organize. Tomorrow evening I will be going to the store and purchasing some items. I will post on how I did. Wish me luck.
Until next time...
Like I posted in my last blogpost, I am learning about saving with coupons. I have spent some of the day reading everything I could on how to cut your grocery budget. Things I have learned have not been extremely suprising, but I thought I would pass it on to you. I am using mostly the website http://www.moneysavingmom.com/ The site has an abundance of information on saving $. The article I read is called 31 Days to a Better Grocery Budget. There are several posts in this article, but for the sake of time, I am hitting the highlights. You can find out more info by visiting the site and reading the article yourself. Here we go.
As stated in the article..
1. Stop Making Excuses and commit to a Change.
2. You Need a Budget. This one is self explanatory,but a budget keeps you on track. Without a budget, bargin shopping and couponing is not going to save you money. To start your budget, start slow....average your grocery spending for 4-8 weeks. Be realistic in your goals and set a goal for 5% at a time.
3. Menu Planning Saves Your Sanity and Your Budget. This is a MUST. By having a menu, you save numerous trips to the store. It also saves you the stress of that 5 o'clock "What am I going to have for dinner?" issue. A little planning will save you time and money.
--Shop your Cupboards- look in freezer, refrigerator, and pantry. You may find the "beginnings" of a yummy meal. You can use the Ingredients Search page from http://www.allrecipes.com/
--Consult Sales Flyers- plan menus based on what is on sale at your local stores. Check out those flyers in the newspaper or find them online. The hottest deals of the week are listed on the front page. These items are called "loss leaders", which means they are items that the stores are breaking even on or losing money on. The items are used to lure you into the store to get you to shop.
--Survey Your Coupons- pull out that coupon box and match up your coupons with items on sale. Be sure to use "high value" coupons and "free items" coupons. Put these coupons on the There will be times when the pantry is bare, the budget is weak, and the sales are down. At these times, try checking out your favorite food blogs, such as http://www.tammysrecipes.com/ or www.orgjunkie.com/menu-plan-monday These sites may give you some ideas or recipes to use. There are tons of recipe sites out there to help you work with small amounts of ingredients. Try a method that works for you when it comes to menu planning. Pre-established menu ideas are a good way to take that "work" out of planning. Ideas that I have found are: Monday-pasta, Tues-Soup/sandwhiches, Wednesday-stirfry, Thurs.- crockpot, Fri.- pizza, Sat.-something new, and Sun.- something easy. This idea came from the website www.simplemom.net/a-monthly-menu-plan-for-the-spring. There are lots of recipe ideas on this site.
This is only #3 in the 31 Days article and because there is so much, I plan on taking sections at a time to talk about. The last thing I would suggest is find menu planning forms to use. You can find them at just about any menu planning site, but I found some at http://www.moneysavingmom.com/
I hope this is helpful and as always, please feel free to post your thoughts, suggestions and ideas that work for you. Thanks.
~Until next time,
Sunday, September 5, 2010
Here are the websites she gave me. Please feel free to post any you find helpful.
~Until next time.
~Until next time..
Saturday, July 24, 2010
Sunday, July 4, 2010
Monday, June 21, 2010
My heart goes out to the people of the thirdworld countries. I was blessed by God to go on a mission trip with my husband to Honduras in 1996. My oldest son was two years old. I have never been the same. I hope you enjoy reading the pages of this blog and get as much out of it as I have. Please send me any comments you would like...I would love to know your thoughts.
Wednesday, May 26, 2010
Tuesday, May 25, 2010
Wednesday, May 19, 2010
My beautiful baby girl will be 13 tomorrow. I can't believe how time has flown by. I remember bringing her home from the hospital and asking God to give me what I need to be her mama. I felt such joy in having a baby girl. I already had a boy. I was going to teach her how to be creative, how to cook and can and all those other domestic things that we as women do. I wanted her to be a great mama some day. In those 13 years, I have been blessed with a beautiful spirit within my daughter. Many times I am amazed at how calm she is, (when her mama isn't). I am amazed at how beautiful she is too. She is an amazing, talented dancer and I love watching her. I decided to treat her to our favorite place, The Shady Gables Tea House in Versaille, Mo. We have been going to it since she was four. So, off we went, and some of the other women in her family joined us. In the picture above we have two great aunts, two grandmothers and an aunt. We were missing a lot of other women, but the day was great. I was so glad to have all these great women there. The lady directly behind Maggie on the swing, is her great Aunt Debbie. Aunt Debbie was the first to introduce Maggie to tea at age three... Now granted, that tea service was Cheerios andKoolaid. Maggie LOVED it. I am so looking forward to the future as I watch my little girl (who isn't so little anymore) grow up into a beautiful young woman.
Happy Birthday, Maggie.....I love you!
Tuesday, May 18, 2010
Tuesday, April 27, 2010
Sunday, April 25, 2010
On March 16th, Bryce Alexander was born to my sister in law and brother in law. We have been anxiously waiting for this little guy to show up for a long time. He is such a cutie. The kids and Aunt Gayla are very excited about the new baby. We have made plans to play with him, spoil him, and just love him.... bunches and BUNCHES. I am so amazed at the miracle of birth. Those tiny little fingers and toes... that little nose that seems too tiny to do the job has given it to do... how small these babies are and to think that will grow up to be wonderful men and women hopefully serving the Lord. I am so excited to get to know my newest nephew... I will have to keep you posted.
Tuesday, March 30, 2010
Wednesday, February 24, 2010
The funeral was actually nice (if you want to call a funeral nice). Grandpa told my husband that he didn't want it to be about him. He wanted it to be about Jesus. The week before he passed away he was asking my husband to pray with him. Brian had the chance to pray with him.
It still hasn't really hit me yet that he is gone. I still keep thinking that I can pick up the phone and call him. One day I know I will accept the thought and then try to pick up where I left off. Right now I just sit and think about what I wish I could say to him... or tell him. I have my times where tears well up in my eyes. I know that I will see him again, but I was not ready (nor would have ever been ready) to give him up. Even though we didn't always see eye to eye (that is that Scottish temperament) we loved each other and I felt safe around him. He always took care of me when I was little and then at times when I was older.
So, like everything, life must go on. Spring will come and the birds will sing...the flowers will bloom and new life will begin. The circle of life will continue. I just wish it wasn't so hard for those of us left behind.
Sunday, February 14, 2010
I started thinking back on the memories I have with my grandpa. I remember being at his house (I was about 4) working in his garden. He introduced me to rhubarb and green beans. I remember sitting on his porch with a big bowl of beans in front of me. My grandma showed me how to snap the beans and put them into the "good "bowl. Grandpa sat and read to us from the Bible while we worked. I remember the time that he was watching my brother and I. We were suppose to be taking a nap. I was a curious child (I am getting my just desserts, as I have a child just like me) and I picked up what I thought was a pen. It turned out to be a tear gas pen. I found that out when it went off and my little brother was crying because I had shot him with tear gas. I remember the time that I took one of his metal drinking glasses and ran it thru the can opener. My grandpa would just look at me a smile. Later in life, he gave me that glass. I still have it. As I sat there watching my precious grandma take care of him, worrying about him, and trying to help him in any way that she could, I was reminded of the legacy he would be leaving behind. My grand parents have been married 67 years. I have watched their beautiful dance for 43 of those years and have been amazed at many things. I have learned so much from both of them. They have two children who have families of their own. My dad and sister both have wonderful marriages with beautiful families. All of whom are Christians. Grandpa's legacy doesn't end there. He is a very strong, proud Scotsman who has given of himself over and over again many times. He has told me about the survival of living thru the Great Depression. He has told me about what they ate during those times. I am amazed at his spiritual strength as well. It is his strength that keeps us all moving forward.
So, right now, it has been a week...he is still in the hospital and we have been down there twice this week. He has had good days and bad. But sadly, I think it will come to an end very soon. He is starting to weaken even more. He is having more trouble breathing and is on as much oxygen that he can handle. There is so much more that I could write about him....but for now, I am just thanking the Lord for putting such a strong man in my life. He has been the backbone of our family for many years....even when his very opinionated self (and if you are Scottish, you would understand) has gotten in the way or made someone upset. I am thankful for his spiritual strength that he has shown me.
I must close for now, but I will keep you updated.
Until next time....
Saturday, January 23, 2010
We went to the Roasterie Coffee Factory. Wow, that was fun.