Thursday, March 20, 2014

Gretchen's CVS Shopping Trip: Spend $0.97 for $9.47 worth of products and more...

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:: Gretchen’s CVS Shopping Trip: Spend $0.97 for $9.47 worth of products

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CVS Shopping Trip

2 Crest Pro-Health Toothpaste – $2.99 each (Buy 1, Get $2 ECBs)
Used 2 $0.75/1 coupon from the 3/2 P&G insert

1 Wet & Wild Lipstick – $0.99
Used $1/1 coupon from the 3/9 RedPlum insert

Used $4 ECBs from previous shopping trip

Total before coupons, ECBs and sales: $9.47

Total with tax ($0.50) after coupons, ECBs and sales: $0.97, Plus received $4 ECBs


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:: 4 Weeks to a More Organized Home: Assignment #14

4 Weeks to a More Organized Home

I've set aside the month of March to really focus on organization in my home and life. And I'd love for you to join me!

Day 14 Assignment

::Get dressed in something that makes you feel great {there's something about dressing in clothes that make you feel great that just gives you more energy and zest for life!}

::Sit down with a cup of coffee or tea, refer to your list of weekly goals, and make a list of no more than 5-7 specific things you want to accomplish today.

::Complete your morning routine {if you don't have a morning routine, take some time to create one today! Read my How to Develop a Routine That Works–And Stick With It series for step-by-step help.}

::Set the timer for 15 minutes and clean the mirrors and glass doors in your house.

::Clean out your utensil drawer(s) (those with serving spoons, ladles, spatulas, etc.) in the kitchen and your junk drawer(s). Take everything out, throw out the trash, get rid of extra clutter, wipe out the drawers, and re-organize the contents as you put them back in.

::Find 7 items to get rid of today. Throw them out, stick them in a donate or garage sale box, give them to a friend who can use them, or list them on Craigslist or eBay.

Note: If you work outside the home or have a really busy week with little time for extra projects, just do the bolded project above.

Get Your Free Ebook + Printable Checklists

I put together an ebook with encouraging articles, all the daily assignments, plus printable checklists so you can know exactly what’s planned for the month and to allow you to work at your own pace, if you’d like.

To grab your free ebook so you can participate in this challenge, just fill out the form below with your name and email address. You’ll need to confirm your email address and then your free ebook will be sent to you instantly.



Are you planning to join us today? If so, leave a comment below!


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21 Days to a More Disciplined Life

:: 4 Weeks to a More Organized Home: Assignment #13 (update)

4 Weeks to a More Organized Home

I'm so excited about how many of you are joining us for the 4 Weeks to a More Organized Home Challenge! If you missed today's assignment, you can find it here.

4 Weeks to a More Organized Home

For yesterday’s assignment, I cleaned the tops of the kitchen cupboards. Even though I haven’t done this chore for almost a year, I was really encouraged to notice that they weren’t too dusty.

4 Weeks to a More Organized Home

I found this pile of what I thought was crumbs and was wondering where on earth it came from… until I realized that it was pieces of the ceiling. Hmm, maybe that was from splattering that pot of food on the ceiling not too long ago and trying to wipe it up?

Yes, don’t ask how I manage to splatter food on the ceiling. I’m talented like that. ;)

4 Weeks to a More Organized Home

The top of the refrigerator wasn’t too bad. Since I’m short, I can’t see up there without jumping up to take a peek or standing on a stepstool or chair, so I wasn’t sure what I’d find. Ah, the joys of being vertically challenged! :)

4 Weeks to a More Organized Home

4 Weeks to a More Organized HomeIck! I did end up finding quite a bit of dirt… so glad to have that all wiped off!

4 Weeks to a More Organized Home

The pile of stuff from the kitchen cupboards I found to get rid of/pass on.

How you do on Assignment #13? I'd love to have you share your progress and success with us so we can be inspired. Either post a link to your blog post below or leave a comment with your update.


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:: Q&A: How do you kindly say “no” to outings with friends because you can’t afford it?

How to Graciously Say "No"

How do you kindly say “no” to social outings with friends and keep a positive attitude? I find we can’t go out to most of our friends’ events because we can’t afford to. I am tired of explaining that we just “don’t have the money.” -Christa

Oh, Christa! How I can relate to this!

I well remember the days when Jesse was in law school and it seemed like we couldn’t go to so many different social outings because we didn’t have any money to spend. It was discouraging — and sometimes embarrassing.

So, first off, I just want to encourage you that you’re not alone in this struggle. Many of us have been there or are currently there.

Be Gracious

When explaining your situation to your friends, be sure to be incredibly gracious. Let them know that you’d love to come but it’s just not in the budget right now.

Make sure you say it in a way that doesn’t condemn them for choices they are making. True friends will understand and will not make you feel guilty or less than just because you can’t afford something.

Be Honest

There’s no need to come up with lame explanations and leave your friends wondering if they’ve done something to offend you and that’s why you don’t want to get together with them. Instead, just be honest. Let them know you’re struggling financially, or on a tight budget, or trying to pay off your debt, or whatever it is that is keeping you from being able to afford the outing they’ve invited you to.

Don’t apologize or make excuses. Don’t guilt them into feeling like they need to help cover your costs. Just be straightforward about it and let them know you’re working really hard to get to a place where you’ll have wiggle room in your budget for such an outing, but for now, you’re going to have to decline the invitation.

How to Graciously Say "No"

Suggest an Alternative

Whenever possible, instead of just saying no, come up with an alternative that you can afford. Offer to host everyone for desserts or snacks at your house if you can’t afford to eat out at the expensive restaurant they want to go to. Invite them to come over for games, a movie, and finger foods instead of going to the theater.

Or, see if there’s a compromise you could propose. For instance, when Jesse was in law school and some of his friends were having a party, the host asked if everyone could pay $4 each to cover the costs of the party. We didn’t have $8 extra in our budget for both of us to attend, so I emailed the host to ask if I could bring snacks and drinks (that I’d gotten for free or almost-free with coupons) instead. She was so gracious to say “yes” to my offer — and we had a fantastic time at the party!

Remember Your Why

Saying “no” is hard. It can be uncomfortable. It can make you feel discouraged. It can wear you down.

Constantly remind yourself why you are doing this. What is the purpose behind your short-term sacrifices. Think of the benefits you are going to reap in the long-run by sticking with your budget and staying the course with your goals.

Keep this at the forefront of your mind every time you have to say no. It will help you stay resolved to make the right decision, even when it’s hard.

Find Some Frugal Friends

If most all your friends are constantly inviting you to do extravagant things that you can’t afford to do, it’s probably time to find some frugal friends — people who “get” your weird desire to stick with your budget and live beneath your means.

Think about it: if everyone you associate with it spending money pretty extravagantly and telling you that you "deserve" this, that, and the other — even if you can't afford it — it's going to be hard to stick with your resolve to live frugally. On the other hand, if many of your friends are living frugally and simply, if they are content and understand when you talk about buying something secondhand or saving up to pay cash for things, it will be a lot easier to keep on your slow and steady journey toward debt-freedom or achieving your other financial goals.

In addition, when you hang out with frugal friends, you are inspired with new money-saving ideas, you are motivated to not give up, and you can laugh at all the crazy things you do in order to stay on budget.

If you don't know a single frugal friend, don't despair. Start looking for them at your local library, mom's groups, church, thrift store, used book sale, or gardening club. You just never know where you'll find an amazing frugal friend, but if you keep your eyes open, I’m sure there are some other frugal folks who live in your area!

In the mean time, read money-saving books and blogs to help you stay motivated and inspired. They aren't the same as real-life friends, but they will still help you stay motivated. And if you have trouble finding local friends, see if you can find some good accountability partners online — maybe even people that you meet in the comments section here on MoneySavingMom.com.

What advice and suggestions do the rest of you have for Christa? I’d love to hear!

photo credit; photo credit


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