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Money and Finance

How to Use Coupons for Baby Products

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Being a mother requires patience and budget management skills. The latter is most important especially when purchasing the family’s basic needs including that of the baby and not go beyond the available budget. It takes practice but it can be done.

Thankfully, there are discount coupons that can be had in many ways today. Apart from the newspapers and magazines, mothers can get them online from various websites. They can also find them from product labels of their favorite grocery items.

Coupons are great to use if you have a tight budget or if you just want to merely try out new products in the market. While some provide discounts on regular prices, the others give away free items without having to purchase a product. Common baby stuff you can get using these tickets are diapers, formula, clothes, gear and magazines.

For diapers, you can get free samples if you request for them or you may register for diaper reward programs. Another option is to subscribe to a company’s mailing list. Some manufacturers have promos that require consumers to collect points or codes which they can later exchange for free coupons, books, gift certificates and toys.
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Originally posted on December 3, 2012 @ 3:00 am

Teaching Kids to Save Money

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Saving money is one of the most important things parents should teach their kids. Starting them young is most ideal. Experts have pointed out that the way a parent instills the value of saving money will determine a child’s success in handling his own money in the future.

For small kids, parents need to encourage to start saving despite the little money that you give them. You can introduce the traditional piggy bank to your kid and let him or her put any amount that’s left of what you’ve given him.

It’s also a good idea to let your kids help out in certain household chores that they are capable of doing and then rewarding them with a little money. According to experts and many parents, this is a better option than just freely giving money or buying them whatever they ask of you. This strategy will make children become more responsible as they help you in the house and it also makes them look forward to earning their reward afterwards.

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Originally posted on February 25, 2012 @ 7:01 am

Saving Money At The Supermarket

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SupermarketI hate to admit it, but I have never been one of those Moms who were adept at budgeting. I have 3 kids, a husband who works from home (and eats all meals at home too), 4 dogs, 3 cats and 2 turtles to feed, plus I host twice weekly playgroups (picture 5 or more hungry kids!), so you can understand that a huge chunk of our monthly expenditures goes on groceries. Don’t get me wrong. I’m a pretty conscientious shopper. I read labels, check prices and compare for the best value, but yes, I do buy some weekly treats for us all – like special organic snacks for the kids, fancy European soda for hubby and that new body lotion for me, but I do keep it to a minimum.

Well, when I saw this article on “The Challenge: Feed a Family on $100 a Week”, I was intrigued, and slightly nauseated that she actually pulled it off while I spend at least three times that (hey, she only had two kids- one of which was a 5-month old, who we know wont be saying “I’m hungry, Mom!!” all the time).

With the state of the world these days, I thought it was time I did try a little (okay, a lot) harder to cut down my hefty grocery bill and hopefully save some money. That, coupled with the fact that I have recently become a huge fan of Suze Orman and am now reading her book, Women and Money, which I find amazingly liberating (but that’s for a another post).

While I’m no budgeting guru, I’ve found a few, like frugal Mom Michelle Jones, who has been doing it successfully for 20 years, “with or without coupons”. I’m more inclined, though, to start off with some of these solid, basic tips from The Consumerist:

1. Make a list and stick to it. Lists focus your shopping and are the single best way to save money.

2. Compare unit pricing, not box size. As with good things, good prices sometimes come in small packages.

3. If you only need a handful of items, use a basket, not a cart. Empty space cries to be filled.

4. If it’s not on your list, don’t pick it up. According to Paco Underhill in Why We Buy: “Virtually all unplanned purchases…come as a result of the shopper seeing, touching, smelling, or tasting something that promises pleasure, if not total fulfillment.”

5. Shop at the edge of the store. That’s where the healthier, cheaper items hide.

6. Disavow brand loyalty and swear allegiance to the lowest price.

7. Consider generics. You usually get the same quality, without the unnecessary branding.

8. Learn to love coupons. With practice, you can buy almost $150 worth of stuff for $5.

9. Make one big shop, rather than several small ones. You’ll save on gas while inoculating against wasteful spending.

10. Buy from bulk bins. Why pay for packaging and marketing when you can reach right in and scoop out exactly what you need?

11. Check your receipt. Don’t let an errant scan ruin your hard work.

12. Shop alone. Science shows that we spend more when we’re with company.

13. Track your spending so you can see what’s eating your money. Committed receipt hawks can spot price cycles to help guide their shopping.

14. Eat a meal before shopping. Shopping on a full stomach tamps down impulse spending and keeps you focused on your list.

15. Shop without a car. Nothing limits spending like knowing you’ll have to carry your goods home.

Photo via Lab2112

Originally posted on June 9, 2011 @ 9:46 am

Homemade Halloween Costumes: Get Creative and Save!

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At our Halloween party last year the best costumes were definitely Bloody Mary and the Boy-with-pencils-stabbed-into-his-head-and-body (also extremely bloody). They were the kids of a frugal and creative friend of mine, who proudly made the costumes herself, spending very little and putting the rest of our store-bought outfits to shame. I admit that I love surfing the web (months in advance, like an obsessed woman) for Halloween costumes, but when I think about how much I actually spend for these costumes to be used once or twice (or more if you get the younger siblings to re-use), it really isn’t funny.

The other day I thought I’d go through all the costumes/dress-up items we had, and we had three very large plastic boxes filled to the brim. Far too much. None of them were homemade of course, since I am completely talentless when it comes to sewing of any kind. If you must know, I actually hate it! But as one of my mantras this new year (it was my birthday last week) is to SAVE money and SPEND less, I am really really going to try and get creative with some homemade costumes this year.

Here’s what I found online, with a few of my favorite ones (fun and easy!):

1. The Robot – My 4-year-old son loves robots, and this is great for using recycled items around the house. You can go on the high side with spending (one parent spent $40 making one), but this “Candybot” seems easy and thrifty enough. With used boxes of different sizes, some paint and maybe some tin foil, a homemade robot could be yours for the taking!

2. The Dorothy – Ok, so this is an Ebay item, but still great I think. The Wizard of Oz is beloved in our household, and I thoroughly approve of a timeless costume like Dorothy, rather than some TV star who probably will be forgotten by next year. And with its unbeatable price of $5, including the ruby slippers and D’s wig, I say it’s a fab purchase.

3. The Lego Boy (or Girl) – Which kid doesn’t like LEGO? I like how you’ll be able to find your child easily in the sea of Halloween costumes. And there’s a big chance little brother or little sister will want to use this one again. It takes less than an hour (I kid you not) to make this bright little number, so no excuses for us busy Moms!

4. The Mummy – When a little boy swathed in bandages came trick-or-treating at my house last year I thought it was the cutest thing. It’s one of those costumes that are incredibly cheap, easy and pack a good punch! Simply buy (borrow or beg) gauze or bandage rolls, apply, and hey presto! You have an authentic yet spooky costume. Add a bit of red paint and grey makeup and things get even scarier!


5. Cheap and Cheerful – You can actually spend NOTHING at all this Halloween by going with the old Charlie Brown classic – the white bed sheet with holes. How charmingly retro! For more costs-next-to-nothing ideas, the Dollar Stretcher has some very simple tips – like a Nerd (her son won first prize with this!), Angel (use the same ghost’s sheet and make a halo with kitchen foil) and the very cute Heart playing cards made from cardboard and cut-out hearts! Would be perfect for twins, I think.

6. More Ideas Like Making Fake Blood– For lots more simple ideas you can do in mere minutes (from Rappers to Deviled Eggs), and making your own props (like no-sew capes, hooray!) and makeup, this page from Mahalo is a veritable one-stop resource for all of the above.

7. Ask For Donations! – Now here’s an idea that’s nice for Mom (and the Earth), but might not fly so well with the offspring. If a family member or friend asked me if they could borrow a Halloween costume for their kid, maybe something one of my kids have outgrown, I’d happily say yes. A chance to recycle and free up space at home! So ask around and chances are you’ll get a great costume thats only been worn once or twice. Borrowing might have a better success rate with under 3’s, but I say give it a whirl anyway.

Originally posted on September 28, 2009 @ 1:21 am