Sunday, July 24, 2011

Get Goodies at Shecky's



Shecky’s is all about the girlfriend experience—they want you to Discover, Experience and Get Rewarded! By creating a profile, referring a friend, commenting on fab articles, and purchasing tickets, you can earn points towards awesome rewards! The more you interact, the more points you earn towards Goodie Bags, gift certificates and much more! Ready to get started?

You receive 250 points when you register and an additional 500 points when you fill out all sections of your profile.

Win Laser Hair Removal

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Enter for a chance to win free Laser Hair Removal

Can you imagine not having to pluck or shave those pesky hairs ever again? Some have been offered a discount, but I have heard of a few actually winning no-cost treatment. Oh... how I wanna be one that gets it FREE!

Get Tapped In

Girls125x125


Have you checked out Crowdtap yet? I've been a member for just over a month and have earned $16.50 already! I didn't think it would happen that fast! You can earn rewards by simply checking answers to easy questions. Recently they sent members Old Navy goodies to try for FREE. I don't know about you, but with Christmas coming up in 5 months (where did the time go?)....FREE is pretty fabulous.

Discounted Newspapers



Are you tired of running out to get those Sunday papers yet?

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Healthy Samples


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Start that health kick you've been promising yourself and get FREE samples of goodies that are actually good for you!

Woot ~ Another HOT Point Site



One of my all time favorite things to do online is finding "points sites". These are sites where as a FREE member, you earn points to redeem for cool prizes & gift cards...sometimes even cash!

I found a little site last night called points2shop. Sign up now to EARN things that you would otherwise have to pay for by doing things you already do daily. I have my eye on Amazon :)

Got Gift Cards?


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You can also buy discounted gift cards and save up to 35% off the value

Shout Wipe Sample





Get a FREE sample of Shout Wipes

Stains can happen anywhere, at any time, so snag your Shout Wipe and Go before they're gone. I don't know about all of you, but hubby never lets me leave the house if I'm wearing white, without one.


Extra $$ for You

Cash4Gold

Fill out the form and receive your return pack to send in your Cash 4 Gold.

The pack is FREE. If you order it and it's not your style, there's no pressure to send anything in. Mine came pretty fast, just 2 days later! I was surprised at how informative and simple everything was.

Bath & Body Works ~ FREE Signature collection Travel Item



Sign up for the Bath & Body Works email newsletter and you'll get a coupon for a FREE Signature Travel Sized item of your choice. You'll also be clued in on special sales and promotions!

7/24 Target Q's

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Target has printable Q's on their site that update weekly on Saturdays (yesterday).
Scroll to the bottom and click on coupons to see what's new for you.

Get printable coupons

Learning To Budget

In order to start to get your finances in order, It's best if you know where you stand in the reality of things. My hubby and I are both disabled, so we have no choice but to live on a very strict budget, as we only receive income once per month. Right before we get paid, I write what our income is, followed by what bills are due for that month.

Below is a tip on how to create a beginners budget for your family.

Steps to creating a budget

1) Make a list of all of your monthly expenses (ALL of them). 
My categories are: Mortgage (or rent), Electric, Cable/Internet, Car, Insurance, Gas, Groceries,  Misc. (Clothes/Extras/Drs. Copays/Car expenses), Splurges (movies, coffee, going out to eat)

You may also have credit cards, other loans, etc. You have to list all expenses and add all of your expenses together.

2) Now write down all of your income per month. 
Do you have more expenses than income? If so, you are living beyond your means and you will not get out of debt until you turn that around. If you are living below your means -- great! Now you have to turn the surplus into an emergency fund and towards paying off any debt.

What to do if you have more expenses than income:

1) Either reduce your expenses or increase your income. In this economy, increasing your income is challenging, but you could offer do help others as a side job for some extra cash.

2) First off get rid of expenses you don't need (at least temporarily). A short term inconvenience is worth a long term financial peace. Hubby and I had a habit of renting furniture, we eliminated that expense and bought used items, in great condition via craigslist. The bonus was, we got rid of a re-occurring monthly bill.

Cable/Dish: Get rid of cable/dish (or if you simply can't do without it) call and reduce your package. We pay $110/month for our cable/Internet/phone package (which includes a few bonus channels). If you get tons of channels, most likely you aren't watching them all. Ask to speak with Customer Retention and tell them a competitor (I would use a name of a competitor in your area) is offering you a better deal. I bet they will knock $10 off your bill right away.

Cell Phone: Do you need it? Be careful of canceling while under a contract, but at least get rid of extra features such as texting, internet and so forth.

Splurges: First I think we all need splurges to keep on track on a budget, but lets forgo them for a while. For example, if you go out to eat a lot, let's agree to stop going out to eat for 3 months and cook all of your meals in. After 3 months add this back in, but maybe as a monthly splurge. Instead of taking a family of 4 out to the movies (costing you $50-$100), rent a movie and have a family movie night (cost lower than $5). Instead of going to a park that charges for entrance, try going on a hike in a public park, or to the playground.

Groceries: We Use Coupons is full of ways to reduce this expense, but in order to make this whole thing work well, stick to your budget even if the deal is GREAT! I use coupons often and save a lot alone doing that, so I set aside a certain amount for groceries each week and never go beyond what has been allotted. Sometimes, I miss a super sale, but I have to do my share to keep expenses down.

Extras: Hubby and I just don't have this factored in our budget, because we simply cannot afford it. We are trying to improve, but right now, it's more important to have an Emergency Fund established.

Loans/Debt: If you are living beyond your means, you won't be able to get rid of this. So lets think here -- could you sell a car and get rid of the payment and buy a used car? If that isn't an option, how about you get together stuff you don't use anymore and having a yardsale, selling it on Ebay or through Craigslist.

How to Make a Budget

Now that you have your list narrowed down, let me tell you how to make it work. Get a spiral notebook and break your budget into when you get paid (ours is one set monthly payment plan, your may be weekly or bi-weekly).

Ours looks like this:

Income from Hubby:___________
Income from myself:___________
Amount in Bank:______________

Total Income for August (use whatever date for yourself):_____________

Mortgage $______
Electric    $______
Car Pyt   $______
Car Ins    $______
Insurance $______
Cable      $______  (ours is cable/phone Internet)
Ins          $______ (we pay for our sons medical insurance)
Food      $______
Gas        $______

Total all expenses $______

Followed by a snapshot
Income  $______
Expense $______

Amount Leftover $______
_______________________________________________

Now every time you get paid, pay your bills according to your notebook and check them off as you go.

*Thanks to We Use Coupons

Publix & Kellogg's 50% off



Today's the last day!!!! Publix has Kellogg’s cereals for 50 percent off. Signup to get Access to $5.00-$10.00 in coupons and enjoy your favorite Kellogg brands for even less with money-saving coupons.

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