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Sunday, November 30, 2014

Amazon Deal of the Day

What's Your Favorite Online Shops for Christmas Gifts?

My favorite are amazon, ebay, walmart.com, oriental trading, and i also like to go to the dollar tree for gift bag fillers.

Today's Amazon Deal of the Day for 12/15/14






Here are some great deals now for gifts at Amazon:

             

Monday, November 24, 2014

Cash the Check or Not?

Would you cash this check?

Have you ever received an offer like this in the mail? This is what I call a predator tactic and I'm going to share with you why you should never think that this is a great option to pay for bills, christmas presents or anything.

1. you will be required to pay off in 12 months with payments of $156 a month for a total pay back of over $1800 which is almost double the amount you borrowed or they loaned you.

does that sound like a fair deal to you? Not!

2. If you have $156 a month to pay these guys back then surely you'd be better off saving that money for one year to get the full amount of $1800 in your savings account that you can use.

3. You are going to be paying an extra $55 acquisition charge plus $589 even if you were to pay them back sooner in the loan agreement they do not promise that you will receive any amount of refund it says less than a $1.

I know alot of people who will be cashing the check and it really saddens me to see people think they are so desperate that this is an answered prayer but it really is only a trap to make these guys a little money and put you a little bit more in debt. So I pray that this Christmas you will stay away from loan companies and simplify what gifts you give. I personally spent about $200 for about 40 gifts and payed with cash no loans or credit cards this year. Theirs many homemade gifts that you can make and give it shouldn't matter the cost of the item n if it does to the giver than I say that's their problem because I'm trying to get out of debt.

Here's the details of such a loan. Always think twice before giving into this too good to be true type scheme because you will be paying almost twice what you borrowed and it's not worth it.



Wednesday, November 19, 2014

What are you Thankful For?

"One of the things I always pray for is the opportunity, God willing, to come at last to see you. For I long to visit you so I can bring you some spiritual gift that will help you grow strong in the Lord. When we get together, I want to encourage you in your faith, but I also want to be encouraged by yours." Romans 1:10-12

As I reflect on the Word of God this morning I think of this ministry the Lord has blessed me with the spiritual gift to promote and to write as I stay home as a Mom and wife handling the household and it brings warmth and thankfulness to my heart. I never knew that I could be what I am today or do what I do today and I owe it all to my life changing experience as a new child of God, believing in Jesus Christ as my Saviour has transformed my heart, mind, and spirit.

I am praying that wherever you are and whatever your beliefs that you stay warm and know this that Jesus Christ is real and He loves you and wants to introduce you to God: Father who loves you dearly.


Friday, November 14, 2014

Aldi's Price List with NEW! Savings Comparison

Here's the start of my Aldi's Product Prices with Pictures Database these are the prices here in Corsicana, TX you'res might be different depending on your location, I will add more each time I go shopping I will also be doing this for HEB and WMart to help us all compare products, qty, ounces, and prices to get the very best prices and deal on products we buy!  items not pictured:

NEW! SAVINGS COMPARISON: (these are a few items that you can get for cheaper at Aldi's, i will not that many items you can get for the same price at HEB and even cheaper to be fair I do still love HEB and will post similar comparisons for savings at HEB in the future and for those who shop at Walmart).

Aldi's: Milk 1 gallon $1.49, Large 1 dozen eggs .79c, split-top mixed Wheat Bread-.99c Total: $3.27
HEB: $2.49 milk, $1.89 dozen eggs,  split-top mixed wheat bread-$1.39 Total: $5.77
Savings at Aldi's: $2.50 or 43%

Shredded cheddar cheese 16 oz. $3.69, 8 oz shredded:
 American singles real cheese slices- $2.29,
shredded wheats cereal, honey wheat puffs, and peanut butter cereals $1.99 13-16oz boxes
pretzel rings-$1.49, bbq potato chips-$1.49, party peanuts- $2.39

frozen 100% apple juice $1.09, frozen orange juice $1.29, ice cream 48oz $2.49
100% apple juice- $1.39, 100% Grape Juice bottle- $2.69 64floz
(100% Apple juice $3.78 128 floz HEB)

2 ply facial tissue $1.19 (same at heb store brand), 50 ct plastic party cups $2.49 (cheaper at heb by .20c), black trash bags- $4.99 (80qty), toilet paper- $6.99 18dbl rolls

sweet peas .33, green beans .33c, mushrooms $1.59, pb cheese crackers-.89c

Gala Apples 3/lbs $1.59, Baking Potatos 5lbs- $1.79, frozen pizzas $1.99 28oz

brown sugar- 99c, cookie mix- $1.59, hot cocoa $1.29, jiffy corn muffins-.47c, cheese melt cube/square-$4.49,  Kosher baby dill pickles- $1.29

 , yogurt-$1.69 (same at HEB), ), clubhouse crackers- $1.45, Strawberry Preserves- $1.89, Peanut butter- $1.69 (.20c cheaper at HEB)
 pitted cherries can- $1.79, , Garlic summer sausage $3.49, , multipack snack sausage sticks $3.49, , , sparkling cider/grape juice- $2.49, , b, holiday candle $2.99, hook assortment- $6.99, juice pouches $1.75, duck tape- $2.79, . ,  frozen meals-lasagna $2.69 family size, Chicken patties meal $2.48, chicken rice can soup- $1.19,  , Navel Oranges 4lbs-$1.89,, , Sliced Bacon- $3.69, PB Cheese crackers pack of 6-.89c, Graham crackers box- $1.49,  Cheddar Brats- $2.49, salad dressing powder- .49c, canned dog food-.55c, juic pouches box- $1.75, baking soda- .49c

Just updated: 12/10/14


$1.89
$8,59
.99c

$1.29
.99c
$2.29


$3.69
.99c
cranberries $1.29, tuna .65c


yams, collard greens $1.50, beans .99c
.99c
.79c




.99-$1.50

$1.49

$1.79

$1.99

$6.99

Add caption

$1.89

.35-.55c

.33


Add caption
.99-$1.25

.89c

Add caption

$8.99

morning assortment coffee $4-$5,
creamer (wmart), and sweetener $1.69

$9.99

$1.89

$1.49-2.69 plates

$2.19

.89c

$1.99

..69




Wednesday, November 12, 2014

Online Work at Home Jobs



I've been collecting links of online WAHJ and wanted to share the links that i have collected and hope they will help you. I have not yet started working from home but if all goes well I plan on starting for one in January after the holidays and so I can work in the day and home-school my toddler boys in the evening. I did get all the way through the online application and approved to interview through this company: I decided to wait for the training until after christmas because it's 3-4 weeks depending on the job for 40 hours per week. paid training is min. wage and then for the jobs i qualified for pay was between $8-$9.50 but you might could make more depending on your skills.

https://jobs.alpineaccess.com/ (this is the one i got approved for to work and might be doing an interview with they have a training for dec. 16th prayerfully considering)....

http://www.findingworkathomejobs.com/hilton-at-home.html (for dallas/houston, TX area)

http://www.apply.westathome.com/fitquiz.html

http://www.fieldwork.com/join This is for focus groups

https://www.elance.com/j/facebook-post-tagging/64186510/?bidid=64363811

http://www.surveyrewardsonline.com/indexL_alt.php?cs=0&s=CPA-12576

http://www.apuspublications.com/HelpWanted/Computer-Internet-Jobs.htm (this one charges a $30 processing fee for access to their huge database)

If you know of any more please feel free to share them in the comments!

Just added: http://www.ratracerebellion.com/


Monday, November 10, 2014

Why I don't shop at Aldi's-new update! Heb 4life!

Update: I decided after a few trial runs to go back to shopping at HEB my first love after having some uncomfortable interactions with the cashiers at Aldi, I still needed to go to HEB as Aldi's didnt carry everything I buy on a regular basis, their prices went up on eggs, in comparison to me HEB is more of a home feeling, the cashiers are mostly professional and friendly, and I love that I can see how much I saved on my receipt and they offer extra savings on top of their heb brand products with in store and digital coupons so I just had to let you know this very important update.



I thought I'd share with you why I shop at Aldi's to help you decide if it's a good fit for you. I live in a small town Corsicana, TX and we didn't have an Aldi until a few months ago. Before I started shopping at Aldi's I was a major shopper of HEB which is a Texas only store. If we didn't have Aldi I would go back to HEB but these are the reasons I prefer Aldi:

1. It's alot smaller and quieter
2. No more comparing brands -they have one store brand but still plenty of selections
3. Their lower prices on most: dairy, and produce and comparable on everything else i'd normally buy at HEB
4. When I have to take my boys i like that their shopping carts are 2 seaters
5. You can get in and out in a hurry.
6. It's simpler, easier, and faster to shop at which equals less stress and their prices stay the same no changing or surprises
7. They have great clearances I've bought .25c bread, .50c milk and more.
8. Their every day prices on milk and eggs is $1 cheaper than other stores in town. $1.49 milk .89c dozen eggs.

So, this is why I shop at Aldi's for the majority of my shopping and what I can't buy here such as a box of diapers i get at walmart for $20-105 Parent's choice. I will let my husband choose where to go for the rest and he's such a great shopper too. He will usually go wherever depending on what we still need either HEB or WMart.

I'm thinking of taking a picture inventory of everything i buy at Aldi's and posting so to help me and others listing the prices and maybe a post on what I can't get at Aldi's also.

Sunday, November 2, 2014

Extreme Money Savings-updated!

Updated: 11/22/2015
I just wanted to let yall know I haven't found a better way to save money the last year than what I share below in fact i've learned how to save even more this way So please read, follow, and share. I generally do not stockpile I buy in bulk if it's much cheaper but watch out some items are actually cheaper if you go for the smaller quantity so always check the price per ounce, qty or floz value on the labels. I have saved the most by making a list of items we are out of or need, add items on sale at heb (my grocery store) to my list, go to the digital coupon app n add coupons n add those items to my shopping list. When i go into the store i am prepared with my tablet (or smart phone) for the digital coupons, my shopping list, a pen, n calculator to keep track of how much im spending for ultimate savings i take out the cash i budgeted for that weeks grocery/home shopping n dont take any other form of payment so i know this is it for me that's $60 - $80 a week. On average from that i save $30 a week or more because alot of the savings they don't account for on the total savings i've noticed so it could actually be alot more than that i've just never really tooken the time to figure that out because time is money n i like to spend mine doing other things than clipping coupons n getting ebates, eek! I hope this very practical way to cut your grocery bill in half will bless and encourage you, their's hope to save money on groceries and more!

these receipts are actual savings by using on sale, in-store only coupons and buying store and generic brands only. this is at a TX chain store HEB.

in this receipts HCE is the generic brand that i buy and i used some in-store coupons to save even more!

 This is a popular topic of interest on groups which are focused on saving money and frugal living and I thought it would be a great topic to write a post on my blog to help many more. I often share my experience on couponing/extreme couponing and what the Lord has showed me on buying, spending, and sharing. Here's a reply to a recent post I viewed on a fb group i'm a member of her post was in regards to wanting to start extreme couponing and stockpiling and here's my response:

i have written some posts that might help you: kimfincher.org on saving money and making money. I personally do not recommend extreme couponing especially if you have small children at home it's very time consuming and then becomes addictive quickly and after trying different techniques i discovered that buying off brand consistently and clearance, discount, sales of off-brands and comparing your ounces for the cheapest by product receiving saved me 50% plus more each time i compared. in order to stockpile just use this rule of thumb: regular price buy what u need for the pay period or shopping period, i find buying for one month is best for the cheaper items i use regularly such as ramen noodles, dry beans, rice, seasoned can tomatoes, etc. they usually never go on sale and are always super-cheap, for bread i buy 4 rolls at a time n freeze. know ur regular prices 1, and then when u have a sale u can see if it's a great deal or not, if something is truly a clearance goa head n buy double ur usual amount or max u can without going over ur budget, i definitely recommend a deep-freezer for stockpiling meats and bread. making certain things homemade such as pizza n laundry soap is a big money saver if u have the time and making extra n freezing. hope this helps some.

Here's something extra: an example of comparing ounces to see if something is truly a great deal or not:
Let's say you find some cereal on sale 2/$5 you normally buy this cereal for $3 a box so you automatically think this is a good deal. Here's how to tell if it truly is simply look at the size of the box of cereal say it's 14 ounces and then look at the box you usually buy and you see it's 18 ounces and then on the tiny print of the price tag label it will have the price per ounce if that's less then the sales price then you know it's not a good deal because you're getting a smaller box. This is where many people are robbed when buying with coupons if you really look at how much you are getting and compare with off brand/store brands you will be shocked at how much more you can get for the same price atleast 50% more usually. Try it yourself and share your results in the comments.
here's a great example of savings!


heres a label comparison, not every large qty is cheaper than small so always compare first.


Great value brand is the walmart store generic brand. on these peanuts ur saving .6c per ounce or a total of $1.56 on these cashews.

This is showing you the unit price per oz for your cereal of .26c for a 15 oz bag is $3.95 now if their happens to be a $1 off coupon on the box that you can use now making this box $2.95 and your generic brand toated o's are $2.99 for 19 oz then it's still cheaper to get the generic brand per oz this is why I take a calculator and i'm not shy about using it either, lol. Now if the generic brand was $2.99 for a 15oz or 14oz then go with the name brand because it's cheaper with that coupon but i personally don't clip coupons to try n find those deals they are inconsistent and like finding a needle in a haystack my time is valuable n so buying the generic brands always saves me more consistently and reliably.

Added money saving tips: i've learned to look for discounts on things that are day of expiring n some have had coupons to double that i recently bought some bread that was $1 clearance and their was a $1 coupon right under that (heb rocks!) so i bought 4 loaves for free! also i've bought meat in this way 25% off with coupons to make them 50% off or more!!
To keep my budget i avoid the soda, chip, n snack food isles n if i have $5 left ill get some snacks last because those are not necessary items and when i don't do that i can easily spend $10-$15 on sodas, chips, crackers, cookies, ect. Another way to get all your needs is go with the cheapest, smallest container it may be the smallest but not the cheapest, example: ranch dressing the cheapest brand is $1 that's what i usually buy not before i'd buy the bigger container but it wasnt cheaper per floz, also peanut butter i'd like to buy the biggest jar but sometimes i can only get the regular size jar they're about the same price per ounce.
Sometimes it pays to buy the convenience foods even though they are 3 times the price that it would cost to make: example potato salad and cole slaw I really enjoy just opening that container and having a side dish to go with something home made i made and plus i just get burned out on making everything homemade so i mix it up with frozen pizzas, curly fries, burritos, and corn dogs and save on other things like ground turkey or seasoned mix instead of ground beef, the $2 pack of bacon instead of the $4 pack, the cheapest hotdogs, ect. I also buy plastic silver ware, styrofoam bowls, plates, and plastic cups to save time on washing dishes it's hard enough being a sahm to two toddler boys these things save me sanity and time which is just as valuable as saving money.  But in season items n freeze for later such as fruit for smoothies, turkey, and hams (just bought a turkey for .53c a lb and ham for .89clb n it's already cooked! this is cheap healthy meat well the turkey is the best meat, the ham i love that it's already cooked).
i still make homemade laundry soap and love it i actually have a lady buy it from me and resale, yeah!
We annually look over all our big bills/utilities n do a price comparison:
car insurance we own our cars and we are opting out of all extra premiums are bill went from $65 for both cars to $25!!! $40 a month savings= $$480 year
cell phone plans we pay $60 for husbands and $30 for mine=$90 mines not even a smart phone but just unlimited text/talk we're going to switch to the family plan from metropcs for $50 2 lines, i might have to pay for a cheap smart phone $20. savings= $$40 a month=$480 a year
We are saving double each week for rent 1/2 will go to saving for home down payment as being renters for 5 years we've uninvest $40k!!! in this home we can't fix up or ever own, we plan on buying in this same neighborhood for $64k or less a fixer upper and owning in than 15 years. it's going to happen!! we love daveramsey and mary hunt on saving money. keep dreaming, planning and praising it will all work out in God's divine timing!!
These last pics are from a shopping trip in October where I overspent n used a cc instead of cash I wanted you to see the prices I spend on items n compare with coupon deals I bet most of these are cheaper n you get more for your money this was a great savings trip but it wasn't successful in that I overspent n used a cc. I'm not perfect but know that the tips I share will n do save you money consistently every time I use them n you can too!


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