Buying Quality Saves You Money


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Buying Quality Products You need or want something. Do you go out and buy it without much thought? Do you buy a less expensive option hoping it will hold up? Or do you plan for your purchase so you can get what you really want? I've done all 3 and still do depending on the situation. Even when I plan for a purchase, I'm frugal. I wait for a good sale when I can, spending a lot of money and buying quality aren't the same thing. The Problems 5 years ago I bought a 4 qt Calphalon sauce pan. … [Read more...]

Pay Your Children in Their Currency


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Do You Pay Your Children? Teaching children about money can be as easy or as difficult as you make it. One thing that I have learned from raising my boys is that you need to pay your children in the currency that they desire and understand. To clarify, Grayson understands money. He has been able to figure simple sales tax since he was 5 and he knows what it means to work for a dollar. He understands that he needs to save. He understands that he needs to make good decisions with his spending … [Read more...]

Emergency Funds Are A Must Have! My Daughter Was Grateful For Ours!


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Do You Have Emergency Funds? What could have been a major financial hit, ended up being no big thing for me this week. Why? Because we believe in emergency funds! My 15 year old broke her front tooth about 5 years ago. At the time, we had a state funded insurance on the kids that covered the entire cost of the repair. This was long before I learned the art of couponing, debt snowballing, and emergency funds. Fast forward to this past Sunday. While sitting in Best Buy, my daughter was goofing … [Read more...]

Car Accrual Account & How it Works


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My Car Accrual Account If you are new to the site, then you may not understand the term "car accrual account." An accrual account is a bank account where you place money that you know you will need for future purposes. With regard to budgeting, we budget money to be put into our accrual account every month so that we always have the cash to pay for our expenses that we would otherwise place on credit cards. I have my accrual account set up in a Capital One 360 Checking Account, but you can … [Read more...]

Farmers Markets Versus Grocery Store Fruits And Vegetables


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Farmers Markets Versus Grocery Store Fruits And Vegetables We are always looking for the hottest coupons and the best sales to go with them. Smart shopping doesn't always have to have coupons involved! In fact, one if the biggest things I hear in the world of couponing is there are never any coupons for fresh fruits and vegetables. Several shoppers use overage (if your store allows it) to purchase fresh produce and meat, but there are many stores where overage is not allowed. Think about … [Read more...]

Kids Dine Cheap or Free Places


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Places Where Kids Dine Cheap or Free Kids love to have dinner out with mom and dad. Eating out doesn't have to break the budget when you know where kids eat cheap or sometimes even free! As a parent, I thought it was great to still go on family date nights, but I had to figure out how to do it less expensively. We all love to eat great dinners, but sometimes we Moms and Dads don't always want to cook it! I've worked to compile a great list of places all over the country that EVERYONE can … [Read more...]

Lawn mower repairs can be costly. Do It Yourself and Save!


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Lawn mower repairs can be costly. Doing the work yourself can save you hundreds! The grass is growing, the trees are budding, spring has sprung! Along with the warmer weather and the green lawn comes the maintenance of your lawn care equipment. Just like everything else, proper maintenance will prolong the life of your lawn mower. Normally, my husband takes care of the oil changes, blade sharpenings, and all that jazz. I just put gas in the mower and go. Anything beyond that, and I am pretty … [Read more...]

New Freezer, Paid Cash – But Where Did The Money Come From?


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New Freezer, Paid Cash - But Where Did The Money Come From? We have built the emergency fund, but that is for emergencies. It would be easy to just grab some money out of there for something we want, but doesn't that defeat the purpose of labeling it as an emergency fund? You decided to invest in a new freezer, fridge, dishwasher, or  a DIY project  in your home. Where do you find the money? Most of us think we don't have $400 or (maybe more) just lying around, but would be surprised at … [Read more...]

A Primal Cut of Meat Saved Me Over $100!


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Save Money with a Primal Cut Primal cut meat is something we have all heard David talk about. Today I put his advice to use and saved over $100 on meat! Yup, you read that right, $100! A local Spartan store where I live, Heartland Marketplace, has whole loin New York Strip on sale this week for $2.99/lb. To sweeten they deal, they dropped the price to $2.49/lb for a weekend sale! In my area, the whole loin runs right around $5.99/lb and single steaks $9.89/lb! The loin I picked up … [Read more...]

Money Management – 3 Reasons to Negotiate Like Your Kids


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Kids and Money Management How money management can work with kids. Something happens to us as we age. We get soft. No, not around the middle, in our minds. In certain areas of our lives, we lose our edge. I realize that this is a blanket statement so this article will not apply to everyone. However, I do feel like there is something to be gained by all who continue reading. Recently, I have started getting up earlier than normal and getting my workout in before the sun comes up. Not only do I … [Read more...]

Budgeting For Healthy Living


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Healthy Living Budgeting Are you budgeting for your health? We often hear that it's too expensive to eat healthy. It's definitely more expensive, but if you play your cards right - and that includes couponing correctly - you can lower that OOP cost drastically. There are plenty of resources where you can find organic coupons. They may not be available in Sunday inserts, but you can get them by either writing manufacturers, or heading directly to their websites for printable coupons. What … [Read more...]

Shopping for Cars Tip #3 – Hot Lease Terms are Your Best Friend!


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Tip #3 for Shopping for Cars Before you start going ballistic sending me emails and commenting, please read this entire article on shopping for cars. If you have ever heard me speak, you know that I think that leasing a vehicle is one of the absolute worst financial decisions you can make. It falls right in line with having a car payment in my book. In fact, it's worse because you aren't really paying down any debt, you are perpetuating it! However, by and large people will do what society … [Read more...]

Shopping for Cars Tip #2 – New to you is as Good as New


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Shopping for Cars Shopping for cars can be fun. The anticipation of finally replacing that old clunker is exhilarating. If you followed our advice in Shopping for Cars Tip #1, and have been patient, the reward will very much be worth the wait. The next tip is really quite simple and very straightforward: Buy used vehicles. I am sure that you have heard the cliche that a car depreciates 30% the minute you drive it off the lot. It's honestly not too far from the truth. Once a new car is … [Read more...]

Saving on Ground Beef


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Are You Saving on Ground Beef? Saving on ground beef can be hard if there is not a good sale going on at the time. Meat is one of those items that usually does not come with a coupon so you have to get creative to find savings. A good sale is the time that I try to buy a whole cow if possible and stock up. My local grocery store was having a good deal on ground beef so I bought six 3 lb family packs. This usually will last my family of six until the store runs the sale again. That’s a lot of … [Read more...]

Shopping for Cars Tip #1 – Patience Pays Off


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Shopping for Cars with Patience I have heard the statistics and they are astounding. The majority of people that are shopping for cars will purchase a vehicle within 48 hours of stepping onto the lot the first time. I must admit, I am not helping that statistic any, but it's for a good reason. I don't go to the lot until I am absolutely ready to buy. I think sometimes we purchase cars out of necessity or self-entitlement instead of taking our time to be sure we are buying "value." It's a … [Read more...]

New Postal Rates Effective Sunday January 27, 2013


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New Postal Rates Starting There will be new postal rates effective January 27, 2013. As you know, we spend a little money on postage around here. I wanted to try to get this information out as quickly as I received it. Since postage expenses are a pass-through expense for both Insert Insanity and Wiz Clipz, there will be an affect on the pricing structure that we currently offer. I do not anticipate that the prices on Wiz Clipz will be affected, but I do know that the increase will be … [Read more...]

Household vs Money & My Story of Both


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Our Household vs Money Is it your household vs money or do you have everything under control? How can I get paid on Monday and be broke by Wednesday? I work a full time job so where is the money going? I knew that I was not a millionaire but dang, I should be able to pay my bills and have a little money left over.  I needed to get control of my family’s finances and I needed to do it quick. We were digging ourselves into a hole and borrowing money to fill it up and then doing it all over again. … [Read more...]

Habitat Re Store- Great Way To Save On DIY Projects!


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Habitat Re Store is a Great Way to Go We love, love the Habitat Re Store near us! It is the start of a new year, which means new projects we are all planning around the house. My husband and I are no exception. We embarked on a full bathroom remodel a couple weeks ago. (Don’t tell my husband, but there are a few more I already on my  list to do, lol). DIY projects are wonderful in the fact you can design anyway you want, plus you can save a ton of money by not paying for labor and … [Read more...]

Increase Your Financial IQ


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Want to Increase Your Financial IQ? Looking to increase your financial IQ? One of the biggest New Years Resolutions (probably right behind the diet/weightloss/eating right one) is to start the new year off on a better financial foot. Whether that is cutting spending, saving more, doing both - or just making the decision to START, you are headed in the right direction. We can all fall off the financial wagon during holiday shopping season. It happens, but it's past. Put it behind you, log … [Read more...]

3D Ready without a 3DTV? I Can Help


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Are you 3D Ready now that the holidays are over and everyone has gotten their new gadgets? Do you find yourself with everything you need to start enjoying 3D except for the TV? Then the 3D Video Wizard Console with 2 Pack of 3D Adult Glasses is just the thing for you. Well, that's been my situation for a few months now. I have a Playstation 3 which will play 3D, but no 3D television. We have even been buying 3D Movies whenever we buy new movies. I just received this little gadget from 3D … [Read more...]

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