How to Save 70%-90% on Kids Clothes

This post is sponsored by Kids on 45th, but all opinions are my own.

 

Best place to buy kids clothes

Can you believe it? It’s already time to start thinking about and shopping for back-to-school clothing for your kids!

I don’t know about you, but I feel that my children grow so fast. I’m constantly needing to purchase clothes for them as they outgrow their old clothes. But the cost to purchase a new wardrobe for my three children really adds up.

So I was happy to hear about Kids on 45th, an online children’s clothing site that sells nearly-new and used kids clothes online in sizes newborn to preteen/teen (14/16). This company definitely helps you save money on children’s clothing. And it’s one of the best kids secondhand clothing stores online.

Since it’s time to shop for back-to-school clothes, right now if you want to try out Kids on 45th, you can get $10 off your first order when you use the code SAVING at checkout.

Cheap Kids Clothes OnlineMy kids were all smiles opening the box from Kids on 45th and trying on the used kids clothes we purchased online.

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How to Save Money Purchasing Meat in Bulk

How to Save Money Purchasing Meat in BulkOne way to save money on meat is to purchase it in bulk when it’s on sale. Savory Butcher sells fresh, high-quality meats by the case in bulk at affordable prices, and they deliver the meat straight to where you live. The meat comes directly from the farm in refrigerated trailers and into the trunk of your vehicle. By buying meat in bulk, it brings the prices down 30-50% less than the price of meat at the grocery store.

For those of you who want to try Savory Butcher, you can get $5 off your first order by clicking the link here.

You can reserve a case of meat from Savory Butcher for just $10, which is then applied to your full balance. Choose from chicken breasts, organic chicken, chicken thighs, bacon, ground beef, beef box, steak box, smoked ham and more. All of these come in bulk cases, which saves us money because we are buying in bulk.

Bonesless Skinless Chicken Breasts Savory Butcher

Savory Butcher Boneless Skinless Chicken Breasts

One of the products I order regularly is the chicken. Savory Butcher has fresh boneless chicken breasts that are untrimmed for $1.79 lb. That’s a great deal! Recently, I ordered the fresh trimmed boneless chicken breasts for $2.19 lb because the chicken comes fully trimmed and ready for me to place into freezer bags or to make meals. This saves me time because I’m not trimming the fat off the chicken. However, if you want to save money, then definitely order the untrimmed chicken breasts. Both are high-quality meats.

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How to Use a Cash Envelope System & How Our Family Budgets

Cash Envelopes

 

Holding cash in an envelope

Using cash is an important part of controlling your spending. It’s not only a system for people trying to get out of debt, but it’s also for everyone because it really makes you think more about your spending.

A cash budget never lets you overspend because once the money is gone, it’s gone. In order to make this work, stop using credit cards and stash the credit cards where it’s hard to get to them. You could also place your credit cards in a Ziploc bag and freeze them in water.

 

envelopes with cash

WHAT IS THE CASH ENVELOPE SYSTEM?

The cash envelope system divides your spending into small categories or budgets. And each category has its own envelope to help you manage your money better and help you intentionally think about how you’re spending your money. Having to hand cash to a cashier really does make you think twice about impulse buys. And setting aside money in an envelope for larger expenses helps relieve the burden when the bill comes due.

To begin using a cash envelope system, start by making a list of all your expenses and then decide which categories to make cash only. With your monthly bills, you can continue to have those deducted from your bank account. Here is a list of cash only categories you could have:

  • Groceries
  • Clothing
  • Eating Out
  • Entertainment
  • Hair Cuts/ Beauty
  • Doctor and Dentist Visits/Medicine
  • Miscellaneous Spending
  • Home Repairs
  • Vacations
  • Christmas
  • Car Insurance/Other Insurance

 

cash envelopes

HOW MUCH CASH TO TAKE OUT?

In order to determine how much cash you need to take out of each paycheck, take the total monthly amount for each category and divide it by two if you get paid every two weeks or divide it by four weeks if you get paid weekly. For instance, we have a monthly grocery budget of $400, and we get paid twice a month. If I divide $400 by two that’s $200 that we take out per pay check to use on groceries.

Additionally, break the cash down into weekly spending. For instance, if I pull $200 from each paycheck for two weeks of groceries and if I were to go to the store weekly, then I would only allot myself $100 per week to spend at the grocery store. That way I still have money to spend on groceries each week and I won’t come up short.

Here is another example. If your car insurance is $700 per year and you only receive the bill once a year, then in order to determine how much money to take out each paycheck, divide $700 by 12 months, which comes out to be about $58 per month. If you get paid twice a month, then you divide the $58 by two, which means you need to take out $29 per paycheck and set it aside in an envelope or bank account so you have the money to pay for car insurance when it comes due.

Once you decide the categories and determine how much cash will go into each envelope, then go to the bank and withdraw the cash each time you deposit your paycheck. Then place the cash in each category envelope. I don’t use anything fancy, just some blank envelopes that are located by my desk, and I write the category on the outside of the envelope.

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The Best Black Friday, Cyber Monday and Holiday Deals

This post may contain affiliate links. Read my Disclosure Policy here.The best black friday deals 2018

Here are some of the best Cyber Monday deals:

Amazon has some great Cyber Monday deals. Check out all the Amazon deals here. Here are just a few deals:

Best Buy – Grab this Gourmia 6-Quart Pressure Cooker in Stainless Steel/Black for only $39.99 shipped (regularly $79.99). Check out all of the Best Buy Cyber Monday deals here.

Cents of Style has the popular Tig sweater for 50 % off with the code CYBERSTYLE, which makes it only $27.47. Plus shipping is free.

Famous Footwear has a BOGO 1/2 off plus 15% off when you use the code CYBER18.

Get Away Today is offering an Adults at Kids’ Prices deal for Disneyland tickets with a major price cut for spring travel dates, which means you can save up to $95 per ticket over annual pricing.

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7 Video Tips to Save Money Now for Christmas

7 Tips to Save Money Now for ChristmasThe holidays are coming up quickly, and I want to share with you tips to save money for Christmas because the last thing we want is to have credit card bills that need paid off in January because that is a financial stress. It’s unfortunate that a lot of people have credit card bills from shopping during the holidays, so watch the video below to get 7 tips to save money for Christmas that have helped our family so we aren’t paying off Christmas items after the holidays. If you start now, you can save money to help pay for Christmas.

 

 

 

If you can’t see the YouTube video, head over to my channel here, and be sure to subscribe. And for those of you who like to read the post instead of watch the video, here are the 7 tips to save money now for Christmas.

1. Set a budget
Determine how much money you are going to spend on Christmas, and set a budget. To figure out how much you’ll spend, look back and calculate how much you spent last Christmas. That should give you an idea of what you think you’ll spend this year. It might also help you realize that you spent more than you planned and that you need to cut back on some Christmas items or presents this year. But when setting a budget, be sure not to set it too tight because it’s nice to have a little wiggle room for last minute purchases. And don’t forget to include in your budget the extras such stocking stuffers, Christmas cards, and holiday home decorations.

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How I Grocery Shop + 3 Tips to Save the Most Money on Groceries

3 tips to save the most money on groceries

It’s been a while since I’ve shown you one of my grocery shopping trips. I’ve changed a little of how I grocery shop since Walmart no longer price matches in my area. In the video below, I share with you my top three tips to save the most money on groceries, and I’m showing you what groceries I purchased for about $150 for my family of 5 for two weeks.

What ways do you save money on groceries?

 

 

If you can’t see the video, head over to my YouTube channel here. And be sure to subscribe to my channel while you are there. 🙂

Here are the links I mentioned in the video:

 

 

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11 Tips to Save Money on Amazon

11 tips to save money on amazon

Amazon.com can be a great place to find good deals on products and to get fast shipping. But just because you love shopping on Amazon, it doesn’t mean you are always saving money on the product you are purchasing. Find out if Amazon has the best deal on the product you are purchasing by reading these 8 Ways to Save Money Shopping Online. If you do find that you are getting a good deal on an item you are buying from Amazon, there may be other ways you can still save money on Amazon when shopping online. Here are 11 tips to save money on Amazon.

 

1. Amazon Warehouse Deals

Amazon Warehouse Deals is where you will find discounts on open-box and pre-owned products such as computers, laptops, tablets, televisions, cell phones, power tools, grocery, toys, games, kitchen and dining and so much more. These items have been returned, used, damaged in a warehouse or refurbished. Items are sorted by condition, so you’ll know if the item you purchased is in good condition. This is a place to find quality used products that you won’t pay as much for the product.

Within the Amazon Warehouse Deals is a Bargain Bin where everything is 50% off or more. It has overstocks, closeouts, markdowns, and last years models on products that are still new and ready to purchase.  If Amazon needs to get rid of inventory, it goes into this section.

 

2. Amazon Gold Box

To find great deals, keep an eye on Amazon’s Gold Box page, which features “Today’s Deals” and includes a “Deal of the Day” and “Lightning Deals”, which are hour-long lightning sales, price-reduced items and limited-time offers from around the site.

 

3. Amazon Coupons

Before you purchase products on Amazon such as household products, personal care or groceries, check out Amazon’s coupons here to see if there is a coupon that you can use to get a discount on the item.

 

4. Amazon Subscribe and Save

When you sign up for Amazon’s “Subscribe and Save”, you’ll get discounts on thousands of everyday items such as baby and laundry products. All you need to do is choose the option Subscribe & Save, which will be located to the right of the product, and you can save up to 15% on your entire order. Plus, it includes free shipping. The product will then be shipped to you every month or every other month. However, you can change how often a product is shipped to you or skip an order.  After you receive a product, you can also cancel Subscribe & Save at any time.

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8 Ways to Save Money Shopping Online

ways to save money shopping onlineOnline shopping makes life easier because you don’t need to leave your house to have what you want delivered to your front porch. I really like to save money shopping online, and I especially love shopping online during the holiday season because I don’t have to leave my house, I can shop in my pajamas and I can avoid the crowds, particularly during Black Friday. If you want to know tips how to shop Black Friday deals, head over here. I almost always find just as good of deals if not better deals shopping online rather than going to the store.

Check out these 8 ways to save money shopping online that will save you money.

1. Use Cashback Shopping Sites

Use cashback shopping sites such as TopCashback or Ebates for all your online purchases. Cashback sites are a way for you to save money every time you shop online at one of its partner retailers using a link from the cashback website. A percentage of the purchase is returned to you as a cash back rebate when you complete your purchase. Cashback shopping sites offer cash back at thousands of stores and they are free to use.

I use both TopCashback and Ebates to shop online and like them both. I usually check to see which of the cashback sites will give me more money back on my purchase and then shop through that cashback site for my specific purchase. Here is more information about them:

TopCashback has partnered with more than 4,100 online stores. When you sign up for TopCashback, you’ll receive a $5 sign up bonus which can be redeemed once you reach the $5 minimum payable cash back threshold for purchasing an item through its site. After this first payout there is no minimum pay-out threshold. You can choose to be paid through gift cards, ACH, PayPal, Amazon.com Gift Card and American Express Rewards Card.

Ebates is also a great cash back site with more than 2,000 stores. In addition, you’ll find thousands of coupons and promo codes from Ebates. Every quarter Ebates mails you a check or PayPal payment with the cash back you received from shopping online through them. Sign up with Ebates and receive a $10 sign up bonus.

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Why It’s Important to Include Sinking Funds as Part of Your Budget

Why It's Important to Include Sinking Funds as Part of Your Budget

If you are wondering, “What is are sinking funds?” and “Why do I need to include it in my budget?” then here is some beneficial information that will help you to become more financially prepared for upcoming expenses.

What are Sinking Funds?

A sinking fund is a fund where you set aside money for expenses that are predictable. You know the expense is coming up and instead of waiting until the expense is due and there isn’t room in your budget to pay for it, you plan ahead for the expense by creating a sinking fund within your budget and set that money aside until you need to pay for that expense.

Many times when people start budgeting, there may be some expenses that they don’t anticipate such as an item in the home breaking that needs to be replaced or the car needing repaired. By creating a sinking fund, you’ll be able to spread out large expenses, or even smaller expenses, over time.  For many people this can be difficult to do because it requires patience and self control to plan ahead and to not spend money on other purchases immediately because they want those items right now.

Here is a list of expenses that you may want to create a sinking fund for and to consider including in your budget:

  • home repairs
  • new car or car repairs
  • family vacations
  • kids sports and activities
  • insurance
  • medical expenses
  • Christmas
  • subscriptions and dues
  • birthdays and gifts

 

How to Get Started on Sinking Funds

To get started on sinking funds, determine what expenses are coming up and which sinking funds you need. Calculate the total amount of money you will need in one sinking fund and what date you will need it. Then break it down into how much you need to save each month before the expense comes due. Begin saving that amount of money each month for the allotted time frame. For instance, if you know you want to save $1,000 to spend on Christmas and you begin saving in June, which leaves you about 6 months to save, then you need to put aside $166 each month (or $42 each week) to reach that goal before Christmas comes.

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13 Tips to Teach Children to Save Money

Teach Children to Save Money

When I was young, I learned from my parents to save money and be frugal. I watched as my parents would save for an item, then purchase it when they had the money. Even though they may have wanted an item right then, they usually they did without, made due with what they had or purchased an item at a second hand store because it was less expensive. They taught me and my siblings to save most of the money we earned and put it into a savings account. And they said that if we saved money, it would help us to be able to pay for some of our college education. Because of their encouragement, I almost paid for my entire college education without taking out a student loan. You can read more of my story, My Financial Life Journey and the Lessons I Learned by clicking here.

Now that I’m a parent, I want to teach my kids how to budget, save money and stay out of debt. I’ve seen many times where a child grows up and moves out of the house only to start buying everything he or she wants with a credit card. They see what their parents have, and they want all of that now. Some of them don’t realize that it takes years to acquire the items that are in a home. Teaching children to save money isn’t easy. They usually want to spend money they receive immediately. Below are ideas to teach young children and teens how to save money.

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