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Planning Ahead To Save Money On Kid Expenses

paying less for kid's expenses

While I don’t really believe reports that say raising a child costs $245,000, I think most people would agree that having children is expensive. Without a daughter, there would be no spending on dance lessons, organic milk, and pediatric dental visits. I won’t complain about those costs because we wanted a child. Whatever we spend on her is worth it a million times over. That doesn’t mean I want to spend more than necessary. One way we save money on kid expenses is by planning ahead. Buy Winter Clothes For Next Year Right Now One thing I’ve learned about buying kid clothes is not to buy right before the season you need them. It’s not that big of a deal for summer, but winter garb can be expensive if you live in a cold climate. Between snow pants, boots, gloves, hats, and coats, it’s easy to spend a few hundred dollars paying full price. Right now is the perfect time to buy winter gear for next year. We just found a pair of good quality snow boots at 60% off. There is a little bit of guessing about sizes, but if it’s too big, they will eventually grow into it. ...

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Ways To Have More Money This Year

ways to have more money in 2015

A week off can really do wonders. Although I was only visiting family in Kentucky and not soaking up the sun in some tropical location, it was nice to have some time off. I had lots of time to think about this year and what I hope to accomplish. So as a reflection of my recent week away, I’d like to share how I believe we can call have more money this year. Stop Buying Into The Expected Mindset A big problem for many people is that they can’t escape the expectations of their friends, family, or even society in general. Most people in the United States live in some sort of debt that comes from living above their means. I can’t tell you how many people I saw last week who were lamenting about not having enough money but recently bought a new iPad, a new TV, a new car!! If you don’t have money, stop buying new things. Just because all your neighbors have one, doesn’t mean you need one too. I know this sounds like 5th grade mentality, but believe me, adults are just as bad as adolescents when it comes to instant gratification. Until you accomplish ...

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Are Any Black Friday Deals Worth Fighting the Crowd?

gift cards on sale at target

I have a big goal this year of not getting sucked into any Black Friday deals. I hate crowds, rampant consumerism, and marketing ploys that make people think they are saving money by spending more. That being said, Black Friday does offer some pretty sweet deals. In my rule book, if purchases are necessary or add value, are something you needed to buy right away,and are at the best price, it’s probably time to pull the trigger when a good deal comes along. Right now, I’m on the fence about going to any stores on Black Friday, but in the name of saving money, here are some deals that could make it worth fighting the crowd on Black Friday. Target Gift Cards Target is offering maybe the most attractive Black Friday deal of all, 10% off up to $300 in gift cards in stores AND at Target.com on Friday the 28th between 6AM and Noon. You can use the gift cards starting on Saturday the 29th, and they don’t have an expiration date. I love deals like this because it’s a flat 10% off. I can easily see Jim and myself each getting $300 worth for $60 off things we ...

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How To Christmas Shop For Free

free Amazon gift cards

On Monday, we talked about reasons people spend too much over the holidays. I’ve been there, done that, and I’m never going back again. Today, I’ll share some strategies that will allow you to Christmas shop for reduced cost or even free. You actually don’t have to apply this strategy to Christmas shopping. You could use it  to pay off debt, take a trip,make a big purchase, or whatever you want. If you are looking for a way to bankroll Christmas this season, it won’t work, but if you start now, by next year, you could seriously have a zero bill for holiday gifts. Use Shopping Portals I tend to do most of my shopping on Amazon because it’s easy, and I love the two day free shipping on Amazon Prime. However, sometimes there are better deals by going through shopping portals. You can use a site like cashbackholic to see where the best cash back deal is at the moment. My current favorite is Ebates. For example, I needed a new wallet a couple of months ago. I hate buying wallets, but I lost two credit cards because my current one wouldn’t stay closed. It was time. I found a perfect ...

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Cut Your Grocery Spending

ways to spend less on groceries

I mentioned last month that we were going on grocery spending lock down to reset our food budget and stop the upward creep that was happening. You can’t control the mortgage payment or health insurance costs, but you can take charge of what you eat. There are tons of ways to cut your grocery spending without too much effort. How Much Did We Spend? Our grocery spending has been around $500-$600 per month, mainly because I have not been paying attention. I got tricked into buying things we didn’t need because they were on sale, or I would buy something only to come home and see two of the same product sitting on the shelf. I know better. For October, our grocery spending was $382.68 This is even more exciting than it looks because we had to buy dog food once, and I stocked up on vitamins with a buy one get one free sale. If you subtract out those non grocery costs, we only spent $332.70! How Did We Cut Over $150 From Our Grocery Spending? Ate From our Pantry and Freezer While I think it’s important to keep some non-perishable foods on hand in case of emergency, we did ...

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