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!

Streaming Savings

    When we first launched this blog in an effort to save $10K in a year, one of the first things we did was get rid of home internet. That saved us about $50/month. Honestly we have not missed it much in the last 2 years. With internet access at work and on our smart phones, there really was no need to have it at home.
   Advances in techonology have changed the game. You can now stream shows and movies from your TV using Netflix, Hulu, etc. We have had several friends cancel their TV packages and just use these new avenues to watch home entertainment. We hardly every watch live TV - everything is DVR'd anyway and we watch days or weeks later. (We are busy parents) Our smart phones have hotspot capabilities so we can watch Netflix on the laptop while connected to the hotspot. The problem with that is it drains your data allowance very quickly if you're watching a lot.
   
Here's how the game has changed in our favor and you can save some money:

YOU CAN'T GET ALL THIS :(

   Our current Dish Network package runs us $92.50/month. You can get **almost** all the same movies and shows by streaming with Netflix and Hulu. There are a few you can't get that might break your heart like Discovery. My husband is an avid fan of all things Alaska, digging and axing so this would be a gut punch.

You will need unlimited internet usage to do this or you will likely go over every month if this is the primary way you are watching TV. Comcast, Cox and Brighthouse offer comparable internet service for around $40/month plus tax. This is JUST for internet, no phone or TV service. Although you will get basic cable channels - they are required by law to provide news in case of emergency, evacuations, etc.

YOU CAN GET ALL THIS! :)

Netflix will run you anywhere from $8-12/month depending on which options work for your needs. The Roku device is about $50 but this is a one time purchase. There is no reoccuring fee with the Roku.

For around $60/month you can watch unlimited movies and shows using this method. Let me say this in closing. All of this research was done in vain because none of the internet providers I mentioned service our address. The only one that does (Marion County Cablevision), charges a lot more for the unlimited internet package and you have to pay for 100 channels you can't even DVR. So we would end up paying much more for TV than we currently pay with Dish. Booo. But I hope this post is helpful to some of you who CAN get service from one of those providers!

The Greatest Love/Hate Relationship Story of All Time

   Long before I got pregnant with Grady, a good friend of mine  - a fulltime working mom of two -
inspired me. She is a fantastic mother in many ways. The kind you watch in awe of and think to yourself, "I hope I handle a temper tantrum with that much grace, love and effectiveness when I'm a mother" kind of admiration. She breastfed both of her girls until they were a year old. Every day she stopped by my desk on her way to or from pumping. I had absolutely no real understanding of the level of dedication this involved. (She is now nursing her brand new THIRD angel baby girl :) )
   When I got pregnant, I knew I wanted to breastfeed and I set my goal at one year - recommended by the American Academy of Pediatrics for optimal growth, development and allergy deterrence. In addition to all those benefits, there is no greater bond between mom and baby than the one established during nursing. The double bonus is the average formula-fed baby consumes about $1,800 in formula in one year. So I consider that we saved that amount by breastfeeding this long.
   Because I work full-time, the only way I was able to succeed at this was by pumping. My pump of choice was the double-electric Medela in the back-pack style bag. **Shout out to Christina Jett for getting me a donated pump from a close friend! I saved $300 there. (I bought all new parts, attachments and tubing. Essentially I was just using the motor and bag second-hand, so don't be grossed out.) The other key piece here is a safe and private location to pump. I work in a building full of cops but luckily our purchasing department is run by some awesome ladies who loaned me their storage closet, electric outlet and a comfy chair twice a day for 9 months.
   I love that I have an amazing bond with my son. I love that we saved $2,000 by sticking with boobie milk. I love that my son has excellent health and no known allergies. But breastfeeding - pumping in particular - had its challenges...moments of frustration, tears, exhaustion, pain and defeat.
   Unless you nurse exclusively, which is impossible as a working mom, you will have to pump. Anytime you're away from the baby, you are with your pump. A trusty side kick. I pumped just about anywhere you can think of. Storage closets, hotel rooms, the bathroom stall inside a church, a locker room at an Emergency Operations Center during training, friends' guest rooms, the back and passenger seat of cars, a Luke Bryan concert, the driver seat stuck in traffic in the pouring rain, and even the bow of a boat during a fishing tournament. It would surprise you how discretely us ladies can get with all that practice! We find our life revolving around our full and leaky boobs. And our pump bag. Wash the parts. Pack them up. Are there batteries in there in case I can't find an outlet? How many milks storage bags do I have left...
   On a few occasions I forgot pieces I needed or forgot the bag alltogether and had to stop what I was doing mid-morning and go all the way home to get it. You cannot just keep working and take care of it later. There is no later. We live and die by the nursing/pumping schedule!! Then there are the days when your schedule is so jam-packed you realize you've gone 5 hours instead 3 without relief and you are DYING to have a rendezvous with that tiny dreaded machine.
   Grady is now eating "food food" including an embarassing amount of cheese and carbs...just like his mother. No judgement. At this point in motherhood, it makes me both elated and slightly depressed to say I am ending this relationship with the black back pack. I will no longer be the bag lady dragging in my purse, pump bag and lunch box cooler to keep the milk cold. I will just carry a purse!! ::happy jig::

I KNOW other working nursing moms feel this way. Stay strong! It is awesome for you, baby and your wallet. A hilarious article --->  Why Working Moms Are Frenemies with Their Breast Pumps

Stash Cash for Traveling

   Once upon a time, we traveled as often as we could. Before Grady (B/G), we took to the world by air, land and sea - cruised to the Bahamas, took the train up the coast from Florida to New York, and salmon fishing in Alaska! If you want to see the world, please understand that having a baby doesn't squash your hopes and dreams. It just puts them on hold for a little while.
   In the last year, the farthest we've been from home was Georgia and the baby went with us. We've had some really sweet and fun little family vacations like St. Pete Beach. But now that Grady is almost a year old and I am no longer his primary food source, we are itching to get away. So where to? Europe!! Some of our very dear friends are stationed in England serving in the Air Force. They will be there until May 2015 so we decided to visit them in March 2015. Why March? To snag a good rate before the spring season prices are jacked up AND in March, you catch the very tail of winter and early spring so the weather is not too bad. (It is England so rain boots and a trench coat will still be on my packing list!) Europe's "off season" is October - April. For awesome tips on saving money while traveling to/in Europe go here and more tips here.
    Now to discuss how we will afford this insanely expensive trip. First things first. If you are a traveler, get a credit card that earns you points/miles. I researched rewards credit cards extensively. The best I could find to meet our needs was the Capital One Venture card. You earn 2 points on the dollar and there are no foreign transaction fees so when you travel outside the U.S., there's not a hidden fee every time you buy something. Each point is $.01. We maximize our point earnings by putting everything on our credit card. EVERYTHING. We actually never use our debit cards. Any purchase, big or small, goes on the credit card including some of our utilities. Car insurance, doctor visits, gas, groceries, all of it. We pay it off every month as to not acquire debt or pay interest. This is an easy way to earn money back on things you buy anyway. So in just 5 months, we earned enough points to save $530 on our airfare to England. Score!
   If you do any kind of side job that brings in money not considered part of your regular income, I recommend putting it aside for travel (or whatever you might be saving for). In April, I started consulting for Pampered Chef. I've done 5 parties in 6 weeks and earned $560 in commission. Every dime of that is going into the Europe fund. When I started PC I decided all my earnings would go toward this trip so who knows what I'll be able to stash away between now and then! Visit my page to support the biz :)
   This goes for any extra income. If you have a garage sale, a running tab at a consignment store you can cash out, selling homemade stuff on Etsy - tuck it away!

How Our House Calendar Will Save Us $$ (and Sanity)

   We are almost a year into parenthood and finally nailing out a system that works for us. Up until about a week ago, our house was in constant disarray. Clutter everywhere. Clean laundry piled high and waiting to be folded. Produce spoiling before we had a chance to eat it. Rushing to pick out clothes, pack lunch, school and work bags just moments before needing to leave the house. Not only is that not the environment I want to live and love in, but it was adding stress and tension to our marriage.
    I am not a fan of reinventing the wheel so I browsed the beloved Pinterest for some home organizing ideas. Enter stage right, the Lowe Family Calendar. Dusting off my scrapbooking arsenal, I assembled this beauty. Space to fill in  appointments, reminders, etc. during the week, a menu and a love note section. Colored dry erase markers allow me to put in writing what exactly my husband needs to help with. So no more "Well I just don't know what you need me to do..." shenanigan. In a separate frame, is a chore list with things that need to be done daily, weekly and monthly. Each person will have a few things to finish before bed time to keep the house running without getting to an overwhelming state of chaos.

  So how is this saving us money you ask? Previously when I did my grocery shopping on Sundays, I put anything in the cart I thought we might need for the week. Then, each afternoon I would think of something to make and rummage through the fridge and pantry trying to assemble dinner. We were wasting a lot of fresh produce this way because we couldn't eat it all before it went bad. I was overbuying pretty much everything. The average grocery bill was between $150-200.
   By creating a menu and only buying exactly the items needed for those 6-7 meals, and by taking regular inventory of the pantry, I can minimize the grocery bill drastically. My trip to the store this past Sunday was only $87. This is a pretty significant savings!

   Another way is using the calendar for reminders. We always forget to change the A/C filter until we notice the house is warmer than it should be for the setting we have it on. When we check, of course the filter is clogged and the AC is cranking away and we're still sweating. This causes your electric bill to be much higher than it needs to be if you just change your filter regularly. Add reminders to pay bills by the deadline, return Redbox rentals, cancel subscriptions, etc. so you never get charged late fees for silly things. I couldn't put a dollar amount on this kind of savings but it's obvious this system will prevent us from wasting food, energy and money in the long run.

Sweet Deals @ Wholesale

   We have a Sam's Club membership. Not everyone should buy everything in bulk unless you have unlimited storage space and a chunk of change to front buying supplies on a bi-annual basis. Who has the space for 97 rolls of Bounty? It's such a deal though! BUT if you can figure out how the wholesale system works best for your household, there is a lot of money to be saved that way. And wholesale clubs usually carry high-end name brand products so you can score a 64 oz bottle of salon-quality shampoo and a pair of Seven jeans in the same place. #winning

   In my most recent trip I found 3 deals that made me do a happy jig. Here they are:

I was looking for a Keurig (for the spindown on coffee costs and why I chose to buy one click here ). Bed Bath & Beyond had the Keurig 65 Signature model listed for $179.99. Everyone knows BBB is the priciest place for things like this but I had a 20% coupon so it would have been a good deal. However, in my wholesale adventures this weekend I see the SAME Keurig model in a BONUS pack including 36 K-cups and the reusable filter already included - a $27 value by itself - at Sam's Club for $129 plus an extra $20 off instantly. So of course I loaded it in my cart as fast as possible. It was mine for $109!  

On the baby aisle, Pampers Cruisers are already a good deal at wholesale price unless you have more than $4 per case in coupons. (You can't use coupons at Sams) A case of size 4, 136 count was $39.98 with a $6 instant savings. This comes out to $.25 per diaper. A savings of at least $6.80 per case if I bought them anywhere else including Wal-Mart, Sam's sister store. ::loading cart::

Another steal was in the health and beauty section. I *love* Neutragena pink grapefruit face wash. They just so happened to have a double pack for $13.98 = $6.99 per bottle compared to $8.99 at Wal-mart. And the combo pack had a $3.50 instant savings making them $5.24 per bottle. Done. In the cart.

The key to shopping at Sam's, especially in the health and beauty section, is you cannot always count on the same things in stock. Sometimes they have the hairspray I like. Sometimes they don't but then they will have the razors I like. It's hit or miss. But it makes sense because if last month I bought a twin pack of hairspray, I likely do not need it again this month. But I will need something else that wasn't there last month. The Sam's Club Instant Savings is going on through June 8th so if you are a member, get there fast before it ends or shop online using this link!