A Week Without Spending $$

   Saving money is a habit. It's a mindset you have in the "on" position. If you don't practice it for a while, you get out of the habit. We did that for a while. You're hungry on the way to work? Pull in the drive thru. Want something specific for dinner? Buy whatever you want, putting aside sales, coupons, menu planning, etc. My favorite thing to do to jump start the habit again is a little something I call the Fiscal Fast. It's literally a week-long spending freeze on your household. No drive thru, no grocery store, no lunch money, na-da.
    The only thing I recommend doing to prepare for this week is to fill your gas tank. If one tank of gas won't get you to and from work for the week, this is the ONLY area you can "cheat." But, do be mindful of where you're going each day and the gas it will consume to get there. Limit your transportation to work only. Just for a week. It won't kill you. Consider carpooling if possible.
   Brew your own coffee at home or the office. Make some toast or a bowl of cereal instead of hitting the drive thru on the way to work. Pack your lunch every day. If your kids typically take lunch money, pack their lunch too. These are just a few things you can do to eliminate spending for the week.
   DO NOT go grocery shopping the day before you start. This defeats the purpose of saving money if you drop $200 in Publix on fresh produce and new shampoo. You might be panicking about what you'll eat for 7 days. I can almost guarantee, you have enough non-perishables stashed in your pantry to last you a week. And with the help from a few things in the freezer, you can survive. Use as many fresh ingredients from your fridge as possible to avoid waste and clean it out!
   Sometimes, you can even make a meal with leftovers for lunch or to freeze for another day. Here's what I made for dinner last night with only items currently in my fridge, pantry and freezer:

Mexican Tomale Casserole                               

• lb. ground beef, cook/drain
• 1 - 8 ox. pkg of corn muffin mix
• 1.5 C. of water
• 2 Eggs
• 1 Tablespoon chili powder
• 2 C. Salsa
• 2 C. shredded cheddar, divided 
• 1 C. corn canned or frozen
• 1 C. black beans, drain/rinse
• Chopped Romaine lettuce

   In a large bowl, combine muffin mix, water, eggs and chili powder. Add beef, salsa, corn, and 1 cup of cheese. Mix well and pour in greased 9 x 13 pan. Bake at 450 for 20 minutes. Top with remaining cheese and bake additional 5 minutes. Serve over lettuce and top with sour cream.

   I used a package of frozen venison from last hunting season. I also had extra of all of the above ingredients so I made a double recipe with plans to freeze the second dish for dinner on another day. I didn't have salsa, but I did have a can of Mexican seasoned diced tomatoes and half an onion in the fridge. I also added a piece of green bell pepper (chopped) I had left from a previous meal. Boom. Dinner is done. And so is lunch tomorrow and a future quick dinner in the microwave.

Cheap Family Fun

   While thinking of fun, affordable things to do with our family this summer, we decided to plan a weekend trip to Orlando. The best way I can advise doing this is by booking your hotel room through Hotwire.com. On numerous occasions, I have scored a 5 star hotel for under $100. You choose the area to stay in and your price range, and the hotel name is revealed once you lock it in. I've NEVER been disappointed. For this particular trip, we snagged a Crown Plaza room for $78 including tax, fees and parking.
   Back in December, Ian bought us Universal annual park passes for my birthday. We've used them 3 times since then and "got our monies worth". The bonus is that kids under 2 get in free so we can take Grady and just do the kid-friendly stuff, have lunch and leave - FOR FREE! You can even bring your own food and drinks into the park.

   There are several play areas in Universal including an epic ball factory. It's 2 floors of foam ball fun. There are air hoses that vacuum the balls up into a cage that dumps them on your head. Launch guns, a climbing maze (see above) and a giant twisty slide. Then just outside the ball factory is a pretty great little water park with dumping buckets, water guns, and a splash pad. A few feet from there is a toddler-sized covered playground. 

  Because I'm a huge Harry Potter fan, we did skip over to the Wizarding World of Harry Potter to get some Butter Beer, check out the dragon, use my wand to work some magic and ride the Hogwarts Express. I made my own HP maternity shirt out of an old bubble bottom blouse and magic marker. I Googled Harry Potter font and free handed this beauty...

   The scarf I already had made for a nice little baby bump sash :) 

   After a shower and power nap, we headed over to Downtown Disney (free to get in). They have tons of cool shops and restaurants to browse. Kid favorites include the Disney store with the giant Build a Potato Head exhibit where you can spend literally hours picking out your accessories and all you can fit into the carrying box is $20. The staff will even show you cool tips on how to stuff the box with the most pieces to get the best bang for your buck. Great customer service! Side note: you don't have to buy anything. You can spend time playing in there and leave empty handed if you so choose. 

   Another great place to play for free is the Lego store. They have a huge trough of Legos outside the entrance for your building enjoyment. To beat the heat, we like to sneak inside to the toddler building room where there are play tables with the junior size Legos. 

   Grady is obsessed with Legos right now so this was a lifesaver while we were waiting for our seating time at the T-Rex Cafe. I will confess we splurged on dinner because we had heard awesome things about this place and that the food and experience was worth the wait in line, and the price. 

   If you are on a tight budget, I recommend Earl of Sandwich for an affordable dinner at DTD. There are also great restaurants at the entrance near Cirque Du Soleil, but we came in the Market Place entrance and there is 2 miles between each entrance so we stayed on that side. 

   We had a pretty awesome family fun weekend for under $300. We closed out the trip by visiting Bass Pro - always a good time! - and a cheeseburger at Fudruckers. 

   

Homemade Halloween

   Halloween costumes from the party store or even Wal-mart can be expensive and they are made like crap. Of course you can always order your high-quality, custom Halloween costumes from Etsy for $250. (Shreek) I suggest getting creative, buying material or parts and pieces from thrift stores  to make your own at home. I did exactly that for Grady's first Halloween. We were the Neverland gang - Peter Pan, Tinkerbell and Captain Hook.
   Grady's Pan costume: I bought a small amount of green jersey knit material ($3), a roll of paracord for the lace on his tunic and to make his belt out of ($4). I bought a little toy knife at Target ($6) - which he'll play with for years I'm sure. Using a shirt that currently fits him, I traced the material to form a tunic style. Cut along the lines and sewed with a simple stitch on my Singer. Snipped little holes in the v-neck cut and threaded the cord.

   Originally, I really wanted a green elf-style hat like Pan wears but I looked high and low and gave up when I couldn't find one. While digging through by sewing bin, I found some old Christmas stocking material in the perfect color green. It was literally just a scrap but large enough to make a child's head sized triangle. Score! I cut a triangle with a rounded bottom, sewed 2 sides and flipped it inside out. Done. This perfect little hat was FREE and my favorite part of the costume!  

 

Here is the finished product! A pretty sweet little Peter Pan costume!

 

 

 

   My Tinkerbell costume: I bought 4 rolls of green tulle on sale to make a tutu. I had elastic for the waistband already. As motherhood would have it, I ran out of time and energy to make my tutu and abandoned this part of the costume. I returned the tulle and got my $16 back. I had a green sundress that worked just fine for a mom Tinkerbell costume. I did buy white glittery wings at Target for $8. I snagged a very comfy, broken-in pair of flats from the thriftstore (because if I have to walk around the neighborhood all night I don't want sore feet and blisters) and spraypainted them mint green. At Hobby Lobby I found these awesome pom poms perfect for Tinkerbell shoes! Altogether the shoes, paint and poms were $12. I swear I will wear them to Disney one day and be the envy of every other cool mom.

   Ian's Hook costume: This was pretty easy. I found a red winter coat at Good Will for $5. I had seamstress tape (you iron and it sticks) and bought a roll of black velvet ribbon for $2.50. I added the black velvet trim. It looked **sort of** like a pirate coat but not exactly since I ran out of time and never got the giant gold buttons to finish it off. He didn't wear it. (I am committed to finishing the pirate coat and he WILL wear it for a future Halloween!) I had a few pieces of black material I ripped into strips to make a dew rag and sash. Bought a pirate hat at Target for $10. I had a heavy duty gold costume jewelry chain that looked like Mr. T. or a pirate. He agreed to wear that since he would not wear the coat.

The finished product - the Neverland Gang!



Lots of Laundry...and Soap!

   I have been making my own laundry soap for about 2 years now. It is incredibly easy and inexpensive. The laundry soap method has been on the blog in the past but my most recent batch is my biggest ever! I'm pretty proud of it. I saved about $200 on a 2 year's supply in just one hour. Here's how it works:

Ingredients:
20 Mule Team Borax powder
Arm & Hammer washing soda
bar soap of choice

* There are 10 variations of the recipe depending on the concentration and consistency you prefer. Find them all here at TipNut.com

My preference is a liquid that turns gel after sitting overnight.
My favorite recipe: 2 cups Borax, 2 cups A&H Washing Soda, 2 bars soap per 5 gallons of water.

Grate the bars of soap into shredded pieces.

I purchased a case of 20 bars of soap at Sam's Club for $7.89. That's $.39/each bar or $.78 per 5 gallon recipe.

I knew I was going to make a 25 gallon recipe so I grated 10 bars of soap at one time and then just measured it out for each 5 gallons.

In a large stock pot, bring 8 cups of water to a boil. Add the shredded soap and continue on a low boil until pieces are completely melted.

 

Meanwhile, fill a 5 gallon bucket with hot water and disolve the powder ingredients. Tip: Crush the clumps in your hand before dumping into water. Once in the water, they don't disolve well on their own and the water is too hot to reach in and mess with it then.

 

 

When the soap on the stove is melted and ready to add to the bucket, dump entire contents of stock pot into the bucket and stir until evenly disolved. Continue to fill the 5 gallon bucket with hot water.

 

If your kitchen looks like this in the middle of the process, don't worry! You're doing it right!

 

I had saved - with the help of my dad - a bunch of heavy duty containers with handles, perfect for laundry soap. I only have two 5 gallon buckets for max holding of 10 gallons so I needed more contatiners! Sunny D jugs make the best reusable jugs because the labels come off really easy and they are very durable. Arizona tea jugs too. Regular milk and water gallon jugs tend to be made of plastic that's too thin and will crack and leak over time. I used a large funnel to pour from the big bucket to the smaller jugs. The end result was a year supply of laundry soap for our house and my parents' house.

The average gallon of detergent costs $9. That would be $225 for the 25 gallons I made for under $20 (case of bar soap, 2 boxes each of washing soda and Borax.) If you're buying laundry soap at the store, you are literally throwing money down the drain!

 

 



 

Target's New Craze: The FREE Gift Card

   Target is getting highly competitive with other major retailers in the grocery, household products, cleaners and baby supply industry. It is worth it to you to check out their new system! They are featuring free $5-10 gift cards with the purchase of a certain amount of select items. My savings today was more than $50!
   I went in specifically for diapers and hair products. I had coupons for only these things and my stock at home was running low. I had the following coupons

• $2 off Pamper's (Target Baby Club)
• 2- $1.50 off Huggies diapers (Sunday paper)
• $1.50 off Huggies wipes (Target Baby Club)
• $3 off Huggies diapers (Target Baby Club)
• $5 off a #Tressemme purchase of $15 or more (Sunday paper)
• $5 Target gift card for an $15 Tresemme purchase (Sunday paper)
• $10 off a $40 purchase of items including Tresemme, Cottonelle and Schick (and several other brands) (Sunday paper)

Then, while I was in there, I saw #Huggies diapers advertised "Buy 2 boxes, get a $5 gift card". AND the Tresemme products offered a "Buy any 3 get a $5 gift card." I was buying Huggies and Tresemme anyway!! Another sweet score was the #Pampers diapers had a "Buy 2 boxes get a 504 ct. case of Pampers OR Huggies wipes free". The wipes were valued at $10.99 and they were free and I still used my $1.50 in coupons. So at the end of the day, I bought 4 cases of diapers, 4 giant bottles of shamp/cond, 2 packs of razors, 18 ct. toilet paper, a free case of wipes and saved $50.

P.S. If you are not using the #Cartwheel app for #Target savings, you need to start! Unfortunately today, there were no extra deals for the items I needed, but usually there are several I can use. The single barcode for all your coupons makes checkout a breeze and the savings are in addition to all your hard copy coupons.

Coupons for Prescriptions

   Prescriptions can be expensive, even if you have health insurance. Especially if you take one (or more) that are on the non-generic, non-preferred list. My birth control of choice happens to fall into this catagory. I have tried several kinds and most pills make me a moody bitch with other side effects that are not pleasant. I'm a fan of and advocate for the Nuva Ring. It is a low hormone dose and much more convenient than taking a pill every day. It works for me. But it's EXPENSIVE. Wicked expensive. $110/month! I'm telling you at this rate, it is cheaper to not have a child than to have child. (Okay, that is probably not accurate. But you see my point.)
   I was on this prescription before I had my son and I remember it being pricey but not THIS pricey. I called the pharmacy and the insurance company to see if it was my coverage that had changed or the price of the Rx that had gone up. The price went up AND my coverage went down. Super. I did not see how I could justify spending that kind of money on a non-life-saving medication. I asked my best friend, who happens to be a pharmacist for Walgreens, if she had any suggestions. She told me to check the manufacturer's website for coupons. Sometimes they have them - not just for birth control but a lot of non-generic Rx companies offer coupons so the product is more affordable and therefore selected over others that treat the same issues. At first I thought, "A Rx coupon? How much could it possibly be for... $10?" It would still be too expensive. I checked the Nuve Ring website anyway and BOOM! $50 off. Not just once...every month for up to 12 uses. After 12 uses you just print another coupon! Holy smokes! I literally printed the coupon and called in my Rx the same day. A $50/month savings. That's $600 a year.
  Lesson here: If you are on a non-generic, non-preferred Rx, go to the manufacturer's website and scout it for coupons.
  

Cut Years and Thousands Off Your Mortgage

   It seems like I'm always waiting until the last minute to pay the mortgage bill; mostly because Wells Fargo is not a found vendor on my Regions online bill pay options. So I have to snail mail them a check every month like the cavemen did. At least twice now, my check has been "lost in the mail" and not made it to WF on time. To settle the most recent debacle, I called and spoke to a lovely lady who educated me on automatic bill pay. This woman's advice is saving us $30K. Here's how:
   When you enroll in automatic bill pay, WF splits your mortgage payment into 2 equal bi-monthly payments (every 2 weeks). The most practical option is to select payday as your transaction date so you can be sure there is enough money to cover the automatic withdrawl. Not only does this save me time and hastle, but lots of money. Twice a year, there are THREE paydays in the month. Therefore, there will be three (1/2) mortgage payments in those months too. The first two would be regularly accounted for. The extra one, goes 100% to principle. Since this happens twice, it's like a full month's mortgage payment going directly toward the principle of your loan. We already round up to the nearest 100 when paying our mortgage so we pay it off a little early, but this is making it that much faster.
   So by making an entire mortgage payment extra each year, we are expected to pay our home loan off NINE years early, saving us $30K in interest. This is crazy easy and there is absolutely no reason anyone should not be doing this!

For those of you comprehend things better with an image, here's a cool infographic!