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Thursday, February 3, 2011

Thrifty Thursday

So this week for Thrifty Thursday we are going to talk about price points at which I buy some products. I think when you have an idea of what a great sale price is you'll be more willing to pass up buying something when you know you can get it for a lower cost.

These are a few of my price points and why:

Shampoo- under $1
The under $1 price point for shampoo is very easy to get. This includes big name expensive brands that normally cost $4+

Cereal- under $1.50
There are sales on cereal all the time, just have to be aware of them. I just bought 3boxes of kashi cereal for free, and I am waiting for Rite Aid to have Special K back in stock to get 4boxes for free there as well. Much better than the $4+ price it normally is!

Cleaning products- varies but for the most part $1 or less
This price is for name brand products, I never pay more than $1-there is no point!

I will make sure to let you know when these products go on sale and where!

Happy thursday :)

Wednesday, February 2, 2011

Free Credit Report

Just a reminder that in accordance to the FACT Act, all three credit reporting agencies are required to offer you a free credit disclosure every 12 months. You can request this free report on the government approved website

Once you request your free report check for inaccuracies. This way you can help improve your credit score if there is something wrong.

Thanks Mercedes!

Buy with me!

Today and tomorrow you can go to Buy with me and get a $10 credit for signing up. Currently you can get $30 worth of tea shipped for $10, and you can use your $10 credit. Making it free for $30 worth of tea shipped!

Just sign up here
Then click on Philadelphia under the list of city choices-it will be a side deal
Click on it then click on buy this deal!
No credit card needed!
All the information you need to place your order will be emailed to you :)

Tuesday, February 1, 2011

Tidy Tuesday

This weeks Tidy Tuesday tip is one I do all the time!

Clean while cooking- or boiling water or brewing coffee. These things happen everyday anyways, why not take those few minutes to clean the kitchen.

You can:
-Clorox wipe the countertops, table and chairs.
-Throw away out of date food in the refridge.
-Load or Unload the dishwasher or run it.
-Swiffer the floor

One, some, or all of these things can be done in the time it takes to boil water or make a pot of coffee. A clean kitchen is always nice to come home to :)

Expense Tracker

I just used this Expense Tracker and I am quite impressed. It lists every single expense you could possibly have, and you fill in your monthly expenses for each category. Then at the end you get advice on what you should do.

My advice was to get up to an 8 month emergency savings fund- and it gave the exact amount I need as well as how much more money I need to get there (WOW!).
Also I assume that if you were making less than you were spending it would suggest ways to reduce your bills/expenses....

I think it is worth a look!

Monday, January 31, 2011

A note about credit cards...

I have talked about budgeting and how you should have a budget and stick to it so that you can save more money over time. I have mentioned that some people do this by not using credit cards at all.

I happen to think that credit cards are fine to use, if you do it properly. They are a great way to help raise your credit score. You just have to follow a few simple guidelines:

-Try to never have more than 30% of your credit limit used. If your limit is $1000, never have more than $300 spent.
-Paying the card off every month is a great way to avoid interest charges, but paying off a large amount one month(say $200 of the $300) then paying the other $100 off the following month shows credit card companies that you can pay off charges as well as make payments. Plus the interest would be minimal under $5.
-This one seems simple enough-pay the card on time. If need be set up an auto-payment every month or have them send a reminder email.
-Also if you use your credit card regularly-make sure you have one that rewards you with cash or points.
-If you never use your credit card try having one of your monthly bills get charged to it, like your cell phone. This way you know you can pay it every month and you will be working towards a better credit score.

Maybe free Papa Johns Pizza?


I thought this was kind of fun, I'm not a Papa Johns fan but if you are here's a way you might get a Free Large Pizza.

If the Super Bowl goes into overtime on Sunday, Papa Johns will give 25points to everyone who is enrolled in their Papa Points club. Go to to register (takes about 45seconds)

The free pizza will be awarded to the Papa Points members the next day in the form of 25 Papa Points (the amount needed to redeem a large up to three topping pizza!). Then you can get your free pizza between then and 6/30/11

Thanks MoneySavingMom

Sunday, January 30, 2011

Recipe of the Day

Picture of 5 Bean Chili Recipe

I think its time I start my Recipe of the Day series! Today is my chili- super easy on the stove or crockpot it, I will never know! Also you can add a pound of ground beef just brown that up first :)

Siobhans Chili
2 cups BBQ sauce
2 table spoons of mustard
2 tablespoons brown sugar
1 large onion
1 pack of chili seasoning
2 cans of kidney beans
2 cans of black beans
1 can of white beans
1 can of fire roasted tomatoes
On the stove top brown up the onions (and beef/turkey/chicken if desired). Then add the package of chili seasoning. Dump everything else in and let cook on medium until it starts to bubble, or throw it in the crock pot on low for 2-3 hours.

Top with shredded cheese, or sour cream or crushed up tortilla chips

What can you get for $5?

I am pretty proud of this trip to Target, even though it cost me $5.22 I think I will let it slide because I saved $14.88 or 74%!

I bought:
Beyond purina dog food $7.99- used free coupon from a facebook offer they had about a month ago
Scrubbing bubbles toilet gel-$3.49- used 50cents off one scrubbing bubbles product from Target
Scrubbing bubbles toilet brush refills-$3.49- used free toilet brush refills when you buy the gel
Rimmel Mascara-$2.99- used $2 off Rimmel product from Target

Menu Planning... looking at the week ahead

A great way to save money is by eating at home. I love going out to eat as much as the next person, but why not plan out your meals for the week, or even for the next day? This way you will be looking forward to the meal and be prepared to make it.

This week is going to be a little different, I have so many left overs in the fridge that need to be used up and I will be away next weekend.

So the Plan is:
  No grocery shopping
  Eating just what is in the house
  Finishing the leftovers asap!

By not grocery shopping I am saving money, while at the same time using up stuff I have in the house. There is a reason I bought those items in the cabinets; why not use them up!

*Next weekend I will be in PA and I get to go to the product junction and stock up-I am so excited!

Working towards better finances?

Stop everything! Suze Orman has a new website! Haha...

I am a huge Suze Orman fan! She tells it how it is financially, and what you are doing wrong and how you should fix it. The site is called Money Minded Moms, but I am not a mom and I still find the site super helpful and informative.

There are discussions on:

*This just made my day :D

See Here Valentines Day Cards!

valentines day cards SeeHere: 24 Valentine’s Day Cards for only $2.49 Shipped!

Just follow these easy steps:
   Go to SeeHere and create a new account (use a different email address if you have used them before).
   Upload your picture and create your 4×8 cards.
   Add 24 cards to your cart.
   Use promo code 25cards at checkout.
   Just pay $2.49 for shopping!

*These would be great for kids to hand out at school! I love the picture with the lollypops- so smart!

Thanks MamaCheaps and Mojo