Friday, February 7, 2014

Failure isn't proof that you're a loser… and more...

Money Saving Mom

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:: Failure isn’t proof that you’re a loser…

SGTSM

Have you purchased your copy of Say Goodbye to Survival Mode yet? Get the book here!

(Note: The links in this post are affiliate links. Read our disclosure policy here.)


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:: Sponsor Spotlight: ListPlanIt

ListPlanIt

We're excited to have ListPlanIt as one of our sponsors. We had the opportunity to interview them and get to know their company a little more recently:

Tell us about the history of ListPlanIt.

I had the idea for ListPlanIt in that chaotic week between Christmas and New Year's Day. I had three young children, aged 2 to 6, and while I had always been a list maker, I was desperate for a simple way to keep track of and help manage the myriad of details that are involved in running a family and home. ListPlanIt has grown from 200 downloadable lists when it first launched in May 2007 to what it is today.

Tell us more about what ListPlanIt offers.

ListPlanIt is your complete resource with hundreds of lists all geared toward helping you get and stay organized. You'll not only find downloadable lists, inventories, schedules, and to dos, but members now have the ability to create and store lists right in their ListPlanIt account and then access those lists from any device whether at home or on the go.

ListPlanIt

How can ListPlanIt help us save money?

Being organized means saving money. Whether using a list at the grocery store, packing for a trip, planning a birthday party, or preparing for any of life’s events, having a list means that you get what you need and not a lot of stuff that you don’t need. It means not running out at the last minute because you’ve forgotten something, which will now cost a premium. Lists mean saving time and anxiety, as well as money.

Do you have any new products or promotions coming up?

A few years ago, I wrote an eBook called 100 Days to Christmas that tied in with the vast number of holiday planning lists available at ListPlanIt. 100 Days to Christmas starts on September 16 and counts down the 100 days that lead up to Christmas day. The idea is to start planning early so that you can enjoy December to the fullest.

The following year, I wrote 100 Days of Summertime, which journeys from about Memorial Day to Labor Day and gives a reminder, task, or activity to help make the most of your summertime fun.

Last year, I wrote 100 Days of a New Year, which was just newly updated for 2014. You can currently get the 100 Days of a New Year, which includes 75 lists and planning pages to help set goals for 2014, for just $5!

How can members get the most out of ListPlanIt?

Members to ListPlanIt.com can view some of our tutorials on how to get the most out of creating and managing lists as a ListPlanIt member. Your lists can be shared with friends and family on pinterest, Facebook, twitter, and via email so that next time there is a potluck or a wish list, sharing makes it easy. Members should subscribe to our weekly newsletter (The L.I.S.T.) to get tips and ideas delivered right to your inbox to inspire you to get the most out of your lists.

Anything else you’d like to add?

While new members to ListPlanIt automatically get a free 30-day trial to see if our lists are right for you, I’d like to share a coupon code exclusively for the MSM community for $1 off the monthly membership fee! Use the following coupon code at checkout: MSM20LISTS and you’ll get $1 off the monthly fee.

Interested in becoming a monthly sponsor or advertising with us? Find more details here.


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21 Days to a More Disciplined Life

:: How to substitute lentils for ground beef

How to Substitute Lentils for Ground Beef

Be It Ever So Humble shows you how to substitute lentils for ground beef in recipes. This is a great way to cut your grocery bill!

Have any of you tried this before? I’d love to hear your thoughts and tips!


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:: Q&A: Can we survive on a $400 monthly grocery budget?

How to Save Money at the Grocery Store

My husband and I have set a goal to try to save $1000 per month in 2014. We have decided to allot ourselves $400 per month for groceries for our family of 3 (we have one 12 year old son) as one way to free up money to put toward our savings goal.

Here is my question…can we do it? I have been couponing for around two years now, so I know the ropes, but $400 isn’t that much!

I hope you have some insight on how to stretch that budget even further! Do you have any words of wisdom for this goal we have made for the year? -Nicole

I think this is a great question, Nicole. And I really admire your commitment to living on less so that you can put money in savings! Way to go on making short-term sacrifices for long-term benefits!

Here’s my advice on how to stick with $400 per month grocery budget:

1. Stay Committed

Your attitude in approaching this goal will go a long way toward your success.

If you wake up every day with a can-do, committed, creative attitude, you are probably going to be able to stick with your $400 per month budget — and you may find that it’s not terribly difficult to do so!

If, on the other hand, you go into each day feeling discouraged and miserable, feeling frustrated by your “limited” budget, you’re probably going to struggle and possibly even burn out.

Decide that it’s possible. Choose to have a great attitude about it. And then start viewing your $400 monthly budget as a challenge… to see how well you can eat on how little.

You can do it; I know you can! I’m cheering for your success!

How to Save Money at the Grocery Store

2. Use Cash

I highly recommend that you take out your $400 monthly grocery budget in cash at the beginning of each month. Then, just bring about $100 worth of cash with you to the store when you shop. Leave your cards and checkbook at home.

This might sound militant, but it’s one of the best ways to ensure that you actually follow your budget. Because when the money’s gone, the money’s gone.

I’ve found that it’s helpful to bring a calculator with me to the store (or use one on my phone) and to type in the prices of items as I add them to my cart. That way, I know exactly how much my total is and don’t end up overspending.

In addition, when I only bring cash to the store, it forces me to really evaluate each purchase as I add it to my cart. I often ask myself questions like, “Do I need this? Is there a less expensive alternative? Is this a good use of our budget?”

How to Save Money at the Grocery Store

3. Get Creative

There are so many, many ways to lower your grocery budget and still eat well. I’ve written extensively about these in my 31 Days to a Better Grocery Budget series, but here are a few of my favorite ways to save money on groceries:

  • Plan A Menu — This is Money-Saving 101 advice, I know. But it’s imperative to actually have a plan for what you’re going to eat if you want to eat on a budget! Once you get the hang of planning and following a menu, start looking at your store’s sale fliers and plan your menu based upon what’s on sale at the store and what you already have on hand.
  • Eat From the Pantry — Challenge yourself to see how long you can go without going to the store! It’s amazing how this will usually inspire you to come up with meals with what you already have on hand, even if you feel like “there’s nothing here to eat!” Check the nooks and crannies of your cupboards, refrigerator, and freezer. Type in the ingredients you have and don’t have on the Ingredient Search Feature on AllRecipes.com and it will generate a list of recipe ideas for you based upon what you already have on hand.
  • Buy in Bulk — Look into bulk prices on staple items you regularly use. Check out bulk rates for these items on Amazon.com, Vitacost, at places like Sam’s Club/Costco, or through a bulk buying co-op such as Azure Standard. If you want to get the bulk rate but don’t think you’ll use all of the item, consider splitting up the purchase with a friend or two so you all benefit from the bulk pricing without having a massive amount of an item.
  • Eliminate the Expensive — Look through your grocery receipts and see what your most expensive purchases are. Are there ways to eliminate purchasing this item altogether, ways to get it for less, or cheaper alternatives?
  • Cook From Scratch — As much as is possible, cook and bake things from scratch. Save yourself time and effort by doing a little freezer cooking each week and tripling batches of things you’re already making. When you have meals or parts of meals at-the-ready in the freezer, it’s amazing how much this will speed up your meal preparation time — and will just make you feel so much more organized!

4. Keep Tweaking

Challenge yourself to implement one new money-saving idea or tactic every 4-6 weeks. This encourages you to always be looking for new ways to save, but it makes it much more manageable than trying to overhaul your grocery budget overnight!

If a money-saving trick or tactic just doesn’t work well for your family, guiltlessly move onto the next idea. Not every idea will work for every family. Find out what works best for you and your family!

What advice and suggestions do the rest of you have for Nicole?

photo credit; photo credit; photo credit


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The post Q&A: Can we survive on a $400 monthly grocery budget? appeared first on Money Saving Mom®.

    




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