Category: Holidays

The Free Christmas Spending Challenge

So you are probably wondering what is a free Christmas spending challenge. It’s a challenge that I’m doing this year to pay for Christmas with our pocket change and the things I get for free. This includes gift certificates I redeem from My Points and other reward programs. I am also using the change we’ve saved in a jar. I normally use this money to pay for presents for our family like DVD movies and games. This year we are on a tight budget like most people so I decided to spend less. I can still give nice and thoughtful gifts without spending a fortune.

I give gifts to around 30 people which includes my family, hubby’s, teachers, mail lady, and such. My hubby and I aren’t exchanging any presents this year unless I can score some great deals on DVD movies and/or games, but I’m not holding my breath. I also buy items for gift baskets that I get for free or almost free. I get lots of compliments on my gift baskets from my friends and family. I have Tupperware left from in my inventory that I will give as gifts. I do plan on making homemade treats this year like chocolate covered mint patties, peanut butter balls and fudge.

I already have several gift certificates saved up. I redeemed 2 $10 Subway gift cards and a $10 Chili from My Coke Rewards. I just ordered another $10 Chili gc so I plan on giving those 2 to a couple. I’m hoping to get the Snow White blu-ray DVD combo pack that will be on sale at Wal-Mart on Tuesday for $9.96 plus tax after I use the $10 off coupon I printed. That will make another wonderful gift. I also got stainless steel water bottles on clearance. I just requested a $50 check from my bank since I use a free checking rewards program. I am getting a $25 CVS gc from My Points which I will use to help pay for the great deals I’m getting. I also did the CVS Monsters vs Aliens deal this past week. I paid $6 for that movie which is a great stocking stuffer for my son. My son’s Christmas and Birthday is already paid for with all those Bionicle Legos we scored last October so click here to read about that great deal. I’m glad we saved them so that is a huge help to our Christmas budget. I found a couple more gifts I had bought but didn’t give them last year. I have a bad habit of forgetting what I buy people earlier in the year, and then buy something else when it gets closer to Christmas. I will report back and update my Christmas spending challenge especially when it gets closer to Christmas.

THRIFTY MOMMA RAMBLINGS IS 1 YEAR OLD!

I actually reached this milestone on Tuesday and didn’t even realize it. I’m very excited that my blog is a year old but I admit it’s not where I hoped to be by now. I have no one to blame but me since I haven’t promoted it as much as I should. I am happy with the direction it’s going. At first I did start this blog to do paid posting, but I realized how I much I disliked it. I didn’t have as much control over the content with certain companies, and it didn’t seem worth the effort. While I still hope to make a little money on here, mostly to pay the rent of my blog, I am mostly blogging to share what I’m doing and hoping I can share ways to help others save money. I didn’t know a lot of things when I was a young adult and wasted quite a bit of money. I also racked up a good chunk of credit card debt. I was very fortunate to have married a wonderful man that came from a frugal family. I learned many things from them, and we were able to dig ourselves out of a financial hole. We also have a healthy savings and emergency fund.

Along our adventure I came across some awesome books. The first one, my thrift bible, is The Tightwad Gazette. I have learned so much by reading this great book. It’s where I first learned about the snowball method. Her example illustrated a couple saving for a down payment to buy a house. Instead I decided to use it to pay off our debts. I started with the smallest ones first and worked my up. I had never heard of Dave Ramsey at this point. I probably didn’t do it in the exact way he outlines in his book The Total Money Makeover, but I was pretty close. He is right in the sense that mastering money while paying off debts is more about emotion than about math and logic. If I had used my credit card logically, then I wouldn’t have been in a mess. I also recommend reading his book since it’s a good starting point for getting out of debt. The big key point is you have to stop using credit while digging out of the mess. Otherwise you will never win. Once we stopped using them and cut them all up, then we did dig out of the hole. That is the best feeling in the world to not have any debt! I sleep so much better at night and I don’t cringe every time the phone rings.

Yes cutting out the bigger items like cable, phone plans, getting better rates on your insurance, eating out and such will make a dent in your monthly budget. Doing many of the little things will add up to bigger savings as well. If you can master your grocery bill, then you can save hundreds per month. The bigger the family the bigger the savings. I don’t buy nearly as much food for my family of 3 as someone will with a family of 4 or 5 and more. I’m constantly trying to cut down my bill and still eat healthy. That’s one reason I started a garden so I can make more items from scratch like tomato sauce and it’s healthier. I am using more of an organic approach and not spraying my plants. I am also composting my kitchen scraps along with yard waste like leaves. I just wanted to share a little bit more about me and my reasons for doing the blog. I really hope that all my tips are helping others to save money. I said in a previous post that most frugal tips are good for your pocketbook and the environment. Thanks for reading and I hope to continue writing for another year!

Inexpensive Gift Ideas

Mother’s Day is right around the corner, and many people will buy a last minute gift and card. They will be spending more money than they planned since they won’t know what to get and feel pressured to buy something. There are many ways to give a great gift without spending lots of money plus it would be a gift the recipient really wants. It’s a win for everyone. Some of these ideas may require a little creativity, but most are easy to complete. These ideas are great for any gift giving occasion and not just Mother’s Day. It also adds a nice personal touch and a little thought than just buying something at the store. There are tons of great ideas, but these are just a few. I would love it if you want to add your own that isn’t listed.

*Make a gift basket. This can be anything that you know the person likes. I have made baskets by using a popcorn container and adding in a box or two of the big candy, microwave popcorn, either a small bottle or cans of their favorite soft drink, a free rental or a DVD movie. This is a huge hit with people that love to watch movies. I have also done Wedding gifts with a nice piece of Tupperware and putting in small kitchen items like measuring spoons and cups, nice dish towels and other items. I have also made up baskets using body lotion, razors, bubble bath, the poofy sponge things, shower gel, and such.

*Give a framed picture. This is a huge hit with grandparents and distant relatives. I do this for Christmas and sometimes Mother’s Day. I take a very nice picture of my son or if you have one done at the studio is fine. I then buy a nice 5×7 picture frame and insert the picture. Of course I buy frames when I see them on clearance and many times I can find new ones cheaply at the thrift store or at yard sales.

*Make a nice photo magnet. This is another idea of using pictures of your children or a nice family one. You can even have the kids help make one from foam that you can buy at most craft stores. Then glue a magnet on the back. My son has made these at school and I still have them. I love refrigerator magnets and it’s nice having a picture of him. You can also make photo mugs, calendars, keychains and so much more. You can make these at places like Vista Print and Snapfish. Many times they offer coupons to make the cost even less.

*Make a handprint plaque. You can either buy a kit or make your own. There are many great ideas on the internet. This is a great way to preserve your kids memories.

*Make a recipe binder or coupon binder. You can buy these cheaply during back to school sales and even at yard sales or thrift stores. I usually buy 1″ binders but any size is fine. Then get the sheets where you can add your favorite recipes. This is a really great idea for newlyweds or a way to preserve some family favorites. Make a coupon binder and adding some nice coupons to help someone that is getting started. You can take it a step further by covering the binder with some nice fabric. My mom made me a sewing binder and she then put in some great patterns from her favorite sewing magazines. The patterns were for beginners.

*Sew something for that special person. This will depend on your skill level and if you actually sew. I have made some really items like a wall organizer, pot holders, aprons, and even simple quilts. These were all easy for a novice like me, but I did get some pointers from my mom who is a professional. There are lots of very easy to do simple projects.

*Give a gift that you cooked or a recipe in a jar with all the ingredients inside. These can also vary by your cooking level. Many people love quick and easy recipes like soups, hot chocolate, cookies, and such. Some people make their own sauces, jams, salsa, candy, cookies, and such from scratch. A friend of mine gave me a few bottles of beer that they make at home. Each bottle was a different type so it was wonderful.

*Have a nice meal at home instead of going out to eat. Maybe have a picnic in the living room with candles and a nice bottle of wine along with your favorite items to eat. Many people really appreciate a nice cooked meal at home. The best part is you don’t have to fight the crowds.

*Give a plant. I love plants in my yard, and this would last much longer than flowers. It’s much cheaper and you will be in their thoughts each time they look at that plant. I also give plants when a loved one passes away rather than send flowers.

*Offer a service. This can be anything like babysitting, cutting grass, cleaning, washing a car, fixing something, or whatever skills you have. Many older people would also just love to get a nice visit from their family. I know many of us are very busy but just simple things like spending time with our families is a nice way to spend a holiday. I don’t mean in front of the tv either, but really connecting with them. My grandma loves telling me stories of her childhood. They have so much to share with us if we allow them.

*Give stamps and stationary. With the cost of stamps going up almost yearly, buy them a couple of books of Forever stamps. I know I would love this for myself.

HAPPY NEW YEAR!!!

Sorry for the late post wishing all my readers an awesome Happy New Year! I hope 2009 is a great year for everyone. I’m not sure what the future will be for my three other blogs that I’m writing, but I will continue to write on this one. It will depend on how busy I get with the teaching. I think part of the other problem is with Payperpost. They are offering more posts, but the majority are $5 and 200 words. That’s a lot of words just for $5 and not really worth my time. Let’s just say my future with them isn’t looking too promising. I do enjoy writing the other blogs, but I do neglect more than I should. I just find it hard to come up with good content for all of them. I could write most of the content right here on this blog. I haven’t made up my mind yet on what to do with them.

I decided to make a few resolutions for the new year. If you made any, then I would love to read them. Please share them in my comments section.

1) Take our first family trip this year. I have been putting it off for over two years so this is the year we finally take that trip. We already have the money set to the side so no more excuses.

2) Walk a mile daily. I have a great DVD set called Walk Away the Pounds. I really need to get in better shape for our vacation. I also want to increase my water intake to a gallon daily. I used to drink that much water and I felt great.

3) I really need to get back to gardening. I love having fresh vegetables and fruits. I also want to plant strawberries for jam and for smoothies. I am thinking of buying a couple of blueberry bushes. I also want to make my own spaghetti sauce plus dabble in canning. I’m thinking about planting a couple of dwarf fruit trees.

4) I have several financial goals for this year. They mostly consist of savings, but I will elaborate more in another post soon.

TMR Frugal Living Tip #53

Today’s thrifty tip is buy your wrapping paper and gift bags now for next year. It’s not always easy to find solid colored items, but I do find a few which is great to use for birthdays and other occasions. I really like the gold and silver for wedding presents. I also buy my greeting cards for next year. Many stores are offering 50% and, if you wait until next week, then you can get 75-80% off. Of course they are picked over more and less good items to choose.

Happy Thanksgiving

I hope everyone had a Happy Thanksgiving and sorry I didn’t post this earlier. Most of my family went out of town this weekend visiting other family members. My husband had to work on Friday so we couldn’t go anywhere. We still had a nice Thanksgiving at home and it was quiet. We cooked a turkey breast and I made a broccoli casserole, pumpkin pie from scratch, rolls, and rice with gravy. His sister came over for dinner with her husband. If you ate too many goodies then you could use alli to help shedding some of those pounds. I have lots of turkey left so I can’t wait to make some sandwiches. I love eating leftover turkey.

Don’t Gain Weight This Holiday Season

The holidays are fast approaching and we all know what that means. Lots of delicious food but fatty and starchy foods like rolls, stuffing, pies, and much more. That’s just the start with Thanksgiving. There will be even more eating and lots of candy and cookies during the Christmas season. Let’s not forget all the treats that will still hang around even after the first of the year. So get a jump with diet pills to help keep off those excess pounds. Starting an exercise program now will also make it easier to lose any weight you may gain. Skip those second helpings as your pants will thank you.