Family & Lifestyle Ideas

The Best Mother’s Day Gift For Less Than $25

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by Tracie on May 7, 2013 · 0 comments

mothersday

When it comes to Mother’s Day, many worry about what will make that perfect gift for Mom.  For many of us, the perfect gift seems like it would be out of our budget.  However, that is not true.  The truth is, most moms would be happy with the simplest gift.  I received this last year (and honestly, am crossing my fingers to get the same one this year).

My daughter baked me a cake and decorated it.  She put her heart and soul into it.  The smile on her face when she presented it to me was worth more than all of the diamonds and jewels in the world.   All 3 of my kids each made me a card.  The spelling was wrong and I could not read some of the letters, but I fell in love with each one of them (and still have them in my drawer).

In fact, the best gifts I ever receive are the ones that are free and from the heart.  Those gifts are priceless, but yet, hold the most meanings in our hearts.  Don’t rush out to spend a lot of money on mom this year – give a gift from the heart – it is free!

Find this entry and other great Mother’s Day Tips at Nerd Wallet!

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Ten Easy Tips To Have A Successful Garage Sale

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by Tracie on May 2, 2013

If you look around your house and feel like you have more stuff than space, you might consider donating your items to just clear out the clutter.  Why not turn those “treasures” into cash?  After all “One Man’s Trash is Another Man’s Treasure.”

However, before you just throw everything onto a table or your driveway, there is some prep work that you need to do. I am actually having one here next week and have begun my work. So, I will start to make some posts about what I am doing to get ready, so that you can have a successful sale yourself!

1. Pick the right day and time. This all depends upon where you live. In my area, Friday nights and Saturday mornings are the best times for sales. For other regions, it my be a Wednesday. You can easily look in your local newspaper for listings to see what is the norm for you.

As far as the time of day and length to run your sale – that is really personal preference. However, if you are going to have it on a weekday, try to run it into the evening so that you can catch those people who have to work as well.

2. See if you can have a neighborhood sale. Many times, when you can post a neighborhood or subdivision sale, you can have a larger draw, as people know that they can drive to one area and hit several sales.

If you are participating in one of these, I recommend a Seller’s List. This is where each household participating provides their address and the types of items they have for sale. It would be available at the entrance of your neighborhood – by the signs – for people to grab to see where they may want to go shopping.

Example:

123 Main: Kids’ items, furniture, housewares, misc.
125 Main: Tools, sporting goods, linens, misc.

3. Organize your items for display – and do so neatly. If you walk up to a sale and everything is literally thrown onto a table and you can’t even see what is for sale, more than likely, you will turn and walk away. Taking the extra time to have several tables and items split out can yield you even more money.

I have the following tables/locations for my sale: Home Decor, Electronics, Housewares, Linens, Toys, Baby Items. They are all on their own tables and set up nicely on the table so that my customer can easily see what I am selling.

Another plus of having a nice display is more appeal. It comes across to the buyer that you take pride in your items you are selling, showing that you took care of them when you own them.

4. Make sure your items are clean. When you are pulling your items out to set on your tables, be sure it is clean. Nothing is worse than picking up a plate with food on it, or a picture covered in dust. Just taking a few minutes to wipe the dirt off of something, or wipe down the smudges can earn you a little extra money.

5. Launder and fold/hang clothing items. If you are selling clothing, be sure to take the time to launder everything before you sell it. Would you really want to purchase a coat that you can tell a 2 year old enjoyed his chocolate ice cream cone before Mom put it up for sale? Probably not. However, if it was clean, you may have more interest.

I take the time to wash and fold all of my items. I display them nicely on a table and fold and sort according to size. This makes it very easy for my buyers to find what they are looking for. Plus, it is clean and they are more willing to purchase.

As far as outfits go, I take the extra time and press everything. I know, ironing is NOT fun. However, a nicely pressed outfit could bring you $1-$2 more. So, it is worth it.

I also HIGHLY recommend to hang outfits. This helps you in more than one way.

ONE: It helps your customers to look through all of your items without rummaging through a table resulting in a mound of wrinkled clothes.

TWO: It can increase the value of the outfit. By hanging an outfit all on on hanger or grouped, it makes it worth more to the buyer. It also helps you as all items are already together at the time of the sale and you aren’t looking over 3 tables trying to find the matching hat or socks.

THREE: People feel like they are shopping in a store rather than a garage sale.

6. Clearly mark all items with a price tag or use signage. While you may be willing to negotiate your price, having your entire sale marked “Make Me An Offer” can turn many people away. Most need to know what you are asking.  If you hang a few “We Negotiate” signs, then people will see you are asking $10 for that side table, but know that you may be willing to wiggle a little on the price.

If you are not sure what to price things, you can go and check out Ebay or Craigslist so that you can be sure you are asking a fair price for your items. Just be sure you don’t under price your stuff!

7. Advertise your sale with signs. Be sure to set up signs with directional arrows to help guide people to your sale. I recommend to start with a larger one at the busiest intersection closest to your house and then set them up every so often to help guide people to your sale. If you don’t advertise, people can’t find you. I even will put one in my yard so that it helps to just really draw people in.

8. Don’t forget your change (and accept cash only). Be sure that you have enough ones, fives, quarter, etc. so that you can make proper change for your customer’s purchases. I usually get $75 – $100 in change to have handy. But I do NOT put it all into my container at once. I keep the additional change in the house and as I run short of any denomination, I can just run in and get what I need.

I also recommend to keep your money in a cash box or even a carpenter’s apron. Never let it sit in the open as it is just too tempting for the wrong person to grab it and run.  Another recommendation I have is that when you start to get a large sum in your box, take some of it into your house so that you don’t have as much available for others to see. Even the person who seems harmless could try to grab and go, leaving you hanging.

Make sure you accept cash only.  You don’t want to deal with potential returned check charges.  You should also be wary of large bills as you don’t want to end up being paid with counterfeit bills!   If someone is making a very large purchase, I will have them make a deposit on the item and they can go and get the cash and then come and complete the transaction.  That way, if they say they want it (and then I don’t sell it) and they never return – I don’t miss out on a potential sale with another customer.

9. Be ready to start when you say you will. When you advertise your sale will begin at 8:00 a.m., be ready to open your doors BY that time. Many times, people arrive early so that they can find the best deals and if you don’t open on time, you could lose someone who is willing to part with many of your “treasures.”

10. Don’t be married to your prices. Be willing to talk with someone about the price of an item. Always know how much you MUST get (or really WANT to get for the item) so that you know how low you are willing to go. That way, you have wiggle room and come across as someone who is willing to wheel and deal with people.

The last few hours of your sale is a GREAT time to help get rid of those last piles of junk that you really don’t want to have to box up to cart away. I will offer a 50% off all marked prices deal during the last 1 – 1 1/2 hours of my sale. It is amazing what you can unload when you say that it is marked down….even something that someone can pay .25 for vs. .50 is a deal to many and after all, .25 in your pocket is more than you’ll get to have to get rid of it later on.

Hopefully you are all set and ready to make your sale a success.  Oh – and don’t forget about the most important detail — What are you going to DO with all your new found money!??!

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Join Kellogg’s Family Rewards For Free For Money Saving Coupons (Free Code Included)

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by Tracie on May 1, 2013

If you haven’t signed up for Kellogg’s Family Rewards yet?    This is a great program that gives you coupons back in exchange for purchasing products.  You simply enter the code found on your packaging and then redeem them for coupons and other great offers!  Some of the offers are instant win games and others are coupons.  When you submit your points you can get some nice high value coupons (like $1.50/1 Eggo Waffle product)!!  

Enter the code JOINKELLOGG2SAVE and earn points just for signing up!  Sign up here!!

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Weekly Menu Plan for April 27 – May 3

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by Tracie on April 27, 2013

Ready to plan your meals for the upcoming week!  We are here to give you a few ideas!

Before you look at what I’ve planned for my family for this week, be sure to download/print your forms: Weekly Menu Planner and Weekly Shopping List.

MENU PLAN

  • Sunday:  Beef tips on rice, green beans and rice (we did not have this from a prior week’s menu)
  • Monday:  Pig Rollups / Grilled Steak, salad and potatoes
  • Tuesday: Chicken bruschetta, salad and corn
  • Wednesday:  Leftover night
  • Thursday:  Proscuitto Alfredo Ravioli (new recipe – details will come when we fix)
  • Friday:  Blackened Chicken, potatoes, steamed veggies
  • Saturday:  Stromoli, chips and fresh veggies

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Planning A Family Vacation On A Budget

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by Tracie on April 25, 2013 · 1 comment

vacation

If you are like many families, you are looking ahead to the summer months and swimming, barbeques and family vacations!  If you want to get away, you can save money on your trip by taking some easy steps.  Here are just a few.

Buy venue tickets in advance.  You often can find deals to save 10 or 20% if you buy tickets online.  That might mean you have to more carefully plan your trip ahead of time and purchase the tickets accordingly.

Follow Daily Deal Sites.  Watch GroupOn for the city where you are heading to as there are often admission deals to theme parks, restaurants and even hotels. and other events.  So, if you are heading to Houston, watch the Houston GroupOn page.

Save on airfaire. Purchase tickets at least 6 weeks in advance and you can often get lower fares. You can also often find the best deals in the morning.  And if you can, fly out on Wednesdays, as that is usually the lowest fare day of the week.

Don’t overplan.  There is not need to see an attraction every day of your vacation.  If you plan on being at your destination for 5 days, just plan events for 3 of them and then spend a couple of down days.  Nothing says you have to do something every minute you are away from home.

What are your tips for saving money on your family’s vacation?

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Overcoming Financial Hurdles

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by Tracie on April 23, 2013

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You’ve all probably heard the sayings “When it rains it pours” or “It’s just Murphy’s Law.”   The truth is that we all face hurdles and issues every day.  It is the manner in which you over come these hurdles that really matters. There are things that hold you back when these issues present themselves.  They can range from how to pay for college to getting out of debt to making this month’s mortgage payment.  Before you can address the hurdle, you have to understand why it is there.  That will vary from person to person, however, there are usually underlying issues you need to look at, no matter your situation.

Fear
This is the initial reaction for so many.  Fear of how to pay for this repair.  Or wondering if you will have enough money for retirement.  Sometimes it is the fear of change.  It could be fear of incurring additional debt.  Until you can identify your fear, you won’t be able to address and overcome it.

Denial
If you don’t think you have any concerns, then you can’t overcome them.  You have to own your decisions.  For many, this may in the form of apathy – because they don’t realize that they have issues.  You have to be willing to address your issue before you can ever work your way past it.

Ignorance.
I am not saying that people are dumb – not at all.  It simply means you do not yet know.  You have to learn.  As situations come up, take the time to educate yourself so that you can make good decisions which can help you achieve the result for which you are hoping.

I had an opportunity to pose this question to other financial bloggers and received some great personal experiences from some of them.  Hearing these stories can sometimes inspire and help you to get through your own financial struggles.

“Our biggest financial hurdle has been paying for our daughter’s college without using debt. We didn’t have a lot saved and what we did have saved was cut in half by the market crash of 2008. So, we ended up choosing an in-state school. Our daughter earned 18 credit hours while still in high school. We also applied for scholarships and I began a new stream of income (my blog) and used that for our college expenses.” Julie – The Family CEO Blog 

“My biggest hurdle has always been the fact that I love going out and being social. This makes it difficult to save money. The best way to overcome this is to set restrictions on yourself. If you pay yourself first and put money away, you can’t touch it. This forces you to be creative. For example, some nights I just host a karaoke night at my place.”  MF Dasko – Studenomics

 

“My biggest hurdle was getting a degree and finding a good job. I have always been frugal so after I had a good salary, I didn’t have any trouble with saving and investing.”   Joe - Retire by 40

 

“Being a military spouse and having moved 7 times in 13 years I’d have to say everything involved with each move…..different cost of living, job/no job for me (which is what sparked my entrepreneurship), public vs private school depending on where we were living, cost of going to see family always changes, the list goes on. It took planning, re-analyzing our goals, cutting back here and there possibly.” Jennifer – Got HarMoney?

 

“I struggled with debt for years, and overcame it by changing my relationship with money. Tracking my spending was a critical part of that. It really opened my eyes to the things that I found value in, and so I was able to spend on the things that mattered while paying down debt. We finally paid off the house and became completely debt-free last year.” Jackie – The Debt Myth


What have you had to overcome and how did you reach your goals?

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Reader Question: I Can’t Get Coupons to Print From Coupons.com and Other Sites. What Can I Do?

This post may contain affiliate links. Read my disclosure policy here.

by Tracie on April 22, 2013

Reader Questions

Another question was recently left regarding problems printing internet coupons. I know this is sometimes and issue for many, so I thought I’d just address this again to try to help anyone who might have any questions.  Here was the comment:

“The website says it’s sending coupons I’ve selected to my printer, and although I’ve downloaded the printer manager, nothing comes out of my printer, and it never actually gets sent to my printer…

Boohoo…please help!!!”

This is one issue that many run into when trying to print coupons.  Here are some common issues when printing coupons, and some steps you can take to fix them.

I am using Windows 8 and it will not print for me. If you upgraded to Windows 8 recently and have tried to print a coupon, you might have noticed that you…well….can’t.  This is an issue across all browsers whether you are using Internet Explorer, Chrome or Firefox, while in Metro Mode.  The reason is that the coupon printer uses an Active X Control which was disabled by Microsoft in Windows 8 Metro Mode.

Don’t worry, there is a work around for you!  You simply need to visit coupons.com from a browser opened in Windows 8 Classic Mode.  To change modes, you need to navigate back to the desktop by clicking on the desktop tile and then launch the browser of your choosing, like normal and proceed to www.coupons.com.  It might be good to just use this practice before visiting Penny Pinchin’ Mom, to ensure you are in the correct mode in case you see a coupon pop up which you want to print!

This issue should be resolved for everyone, but instances might still pop up.

I have downloaded the Target software and it keeps telling me to do it again and again — or my Target coupons just won’t print.  Well, obviously if you have downloaded it once, you certainly don’t need to do it again.  Target actually knows that there are some issues and is trying to correct it.  The “best” solution for now is to just try another browser.  So, if you currently use Firefox, try opening up a window in Chrome or Internet Explorer to give it a shot.

One question I get along with this is how to know if a coupon is a store coupon or a manufacturer’s coupon on Target’s website….before you print it.  Check out this article here for more information on how you can do just that.

I can’t print anything that is a Smart Source coupon.  This is a common problem and often times the fix is simply due to the version of Java that is installed on your computer.  Simply complete an update and this can help.

When I try to print Smart Source coupons, I get the message “Sorry.  Your Default Printer Is Not Supported.”  Follow these simple steps to print these coupons (just change them back to the original settings when you are done printing).

  1. Go to Control Panel.
  2. Select Printers.
  3. Right click your printer.
  4. Select properties and then Advanced.
  5. Select the “Print Directly to Printer” option.
  6. Click apply.

It should now print for you.  As mentioned above, make sure to change the settings back when you are done printing.  If you still are unable to print, review Smart Source Help resources (go to their page and scroll down to GET HELP).

I am using Firefox (or Safari) rather than Internet Explorer, so I can’t get some of the coupons with the word “brick” in the address to print for me (won’t print or says I printed when I have never printed before).    Let me show you what a brick address looks like:

http://bricks.coupons.com/Start.asp?bt=vi&tqnm=ycvlfxt83448811&o=83201&c=SJ&p=SIakdVNs

If someone has provided you with a link similar to the one above and you can not get the coupon to print, you will need to try to locate the original coupon source, which could be from the website, an email or even a banner on  website.  The reason you need to print from the original source is that there is coding within the coupon which changes based upon the browser you are using.

In addition, these links are unique each time they are clicked. As I have shared before, you are limited to 2 prints per coupon. Therefore, if you attempt to print and get the error message stating you already printed the coupon, that would by why.  The only way you can print the coupon is to have access to the original source (mentioned above).

I have a mac and have lots of  issues trying to get coupons to print.  Many sites currently do not support Internet Explorer on Macs.  Try to use either Firefox or Safari instead.

I have tried printing and it won’t work – no matter what.  You might try to change your browser to Internet Explorer, Firefox, Chrome or Safari (depending upon which one you are currently using).

I’ve never printed the coupon before, but it says I already did – can I still get one?  That depends.  If  the coupon starts with http://bricks……….  you can.    When the page loads (but before you tell it to print), scroll down to the bottom of the screen and hit the HELP link.  You can request the coupon be mailed to you instead.

Do you have any other questions/issues printing your coupons?  Or, have you found a solution to your own problems when it comes to printing coupons?  Please share them with us because someone else might be facing your same issue and you can help them too!

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