This Mommy Saves Money

Savvy Shopping, Saving Money, and Paying It Forward

52 Week Money Challenge

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52Pinnable

For those of you, who have made the resolution to save money in 2019 here are some great and FREE printables to help you do just that! I have 4 different printables to help you on your journey, pick one or all four, they are all FREE! I have shared this painless yet effective way of saving money for the past several years on my website. I also hand these out to attendees of my budgeting workshops. I included a few different ways of doing this plan, as each person has different circumstances to work with.

The idea behind the 52 Week Money Challenge, is that by the end of 2019 you will have put aside $1,378!!! The first week, you put $1 into your savings account, jar, envelope, whatever method you choose. The 2nd week, $2, the 3rd week $3, and so on. OR start the money challenge in reverse: 1st week put in $52, 2nd week $51, 3rd week $50, etc… There are so many different ways to do this. This can be done with any budget and I want you to be successful! Here’s to a great and prosperous 2019!!

52 Week Money Challenge Chart:

spreadsheet

52 Week Money Challenge Reversed Chart: 52reverse

52 Money Challenge Double Up Chart: 

unnamed

52 Money Challenge Planning Worksheet:

52weekplanning

52 Money Challenge Blank Worksheet:

52weekblank

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Office Supply Stores Back to School Deals

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Here are the current Back to School office supply store deals. This list goes up on Friday for the deals that start on Sunday. Remember to buy what you need to get through the year and a few extras for your teachers!

These are the deals for 8/19 – 8/25

Staples:

In ad and printable coupon: $10 off your school supply purchase of $50 or more

Staples, 1 Subject Notebook, College Ruled, 8″ x 10-1/2″L $0.25

Limit 30

 

Staples 2-Pocket Folder: $0.15

Limit 5

Staples School Glue, 4 oz: $0.50

 

Staples 3″ x 5″ Line Ruled White Index Cards, 100/Pack: $0.50

 

Crayola Crayons, 24/Box: $0.50

Limit 30

Staples Composition Notebook, Wide Ruled: $0.50

Limit 30

Staples Translucent Pencil Boxes: $0.50

Limit 5

Staples Beveled Wood Ruler 12″: $0.50

 

BIC Soft Feel Retractable Ball Pens, Medium 1.0 mm, Assorted Fashion, 5/Pack: $0.75

Limit 30

Staples #2 Wood Pencils, 12 pk: $0.75

Limit 30

 

 

Staples Wide Ruled Filler Paper, 8″ x 10-1/2″, 120/Pack: $0.85

 

Staples 1″ standard view binder: $1.92
Crayola Washable Crayons, 24/Pack: $2
Dixon Ticonderoga #2 pencils, 12/pack: $2
Dixon Ticonderoga Pre-Sharpened Woodcase Pencils, #2 Soft, Yellow Barrel,18/Pack: $3
BIC Brite Liner Grip Highlighters, Chisel Tip, Assorted Colors, 5/Pack: $3
Sharpie permanent markers, 5/pack: $3
Paper Mate Sharpwriter Mechanical Pencils, 0.7mm, Yellow Barrel, 12/pk: $4

Post-it Mini Cube, 2″ x 2″ Orange Wave, 400 Sheets/Pad, 2 Pads/Pack: $4

 

 

Office Depot

ALL School Backpacks & Lunch Accessories: 25% off

 

Office Depot Brand Paper Folders, with or without prongs: $0.15

Limit 12

Scholastic School Glue, 4 oz:$0.50

Limit 12

Slider Pencil Box: $0.50

 

Crayola Crayons, 24 pk: $0.50

Limit 6

Sharpie Permanent Fine-Point Markers, 5 pk: $2

Limit 12

BIC Brite Liner Highlighters, 5 pk:$2

ALL uni-ball 207 Retractable Gel Pens, 4 pk: $2

Limit 3

Dixon Ticonderoga Woodcase Pencils, 12 pk: $2

SanDisk Cruzer USB 2.0 Flash Drive, 16 GB: $3.99

BIC Round Stic Ballpoint Pens, 60 pk :$4

Clorox Disinfecting Wipes, 3 pk:$5

Sharpie® Fine/Ultra Fine Permanent Markers, 12pk: $6

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New Budget Mindset For This Year

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One of the most well intended but easily forgotten resolutions in the New Year is to make better choices concerning your finances. Old habits really do die hard, and if you are not careful, you will quickly fall back into those familiar, economically detrimental patterns of failure to adequately save, reliance on credit, and overspending. Make 2018 the year you break those troublesome tendencies. Want to learn more about how to avoid financial pitfalls this year?

Check it out:

  1. Make a budget. Having your finances clearly spelled out on paper is one of the most straight forward ways to healthy money management. Not sure where to start? There are plenty of user-friendly templates online that help consumers outline their necessary expenses. You can also start by keeping track of regular bills and general expenses in a spreadsheet. Creating a budget can help you stay within your means when it comes to spending. For budgeting newbies, a general rule of thumb is to live on no more than 80% of your income, contributing the remaining to savings of paying off debt faster.
  2. Cut out the credit. For financially responsible folks, using credit has a few perks, primarily in the form of cash back rewards and travel discounts. If you are not paying off your credit cards each month, you are likely accumulating interest charges and fees in order to use money that you do not really have. Sacrifice, use self-control, and re-evaluate what is actually necessary. Save for those larger purchases so you don’t end up spending a fortune on interest
  3. Make it automatic. When sound financial choices take effort on our behalf, we are far more likely to let those practices fall by the wayside. Once you have created a budget, have your payroll department automatically disburse your earnings into appropriate accounts for spending and saving. Create automatic drafts for monthly payments, and set reminders on your smart phone if you have a tendency to forget those pesky manual payments.
  4. Consider transitioning to cash. For some people, credit and debit cards are much easier to use because you don’t actually see the bills coming and going, but if you only have a definitive amount of cash on hand, you can’t spend more than you have. The envelope system is a great way for spontaneous spenders to eliminate unnecessary spending
  5. Plan ahead. For everything. Meals, birthday presents, vacations, back to school shopping, you name it. If you know ahead of time that you’ll have additional expenses in a particular month, you will have plenty of time to save for them. Planning ahead also gives you an opportunity to compare prices, clip coupons, and take advantage of the best deals available.
  6. Seek professional help or enlist the assistance of an accountability partner. Sometimes having an outside opinion really helps to put financial responsibilities into perspective. Schedule an appointment with a financial adviser, a trained expert who can offer suggestions on effective budgeting, saving, and investing for your future. Perhaps you aren’t ready for that step. If you’re just getting your feet wet with this whole ‘financially responsible’ role, consider asking a friend to help keep you on track or join a support group for people who are in a similar situation. Major lifestyle changes are tough and having a strong support group will help improve your chances for long-term success.
  7. Be persistent. Eliminate those distractions and temptations from your life that would influence you to stray from your financial plan

Regardless of your individual financial situation, 2018 is the perfect opportunity to start fresh and make sensible choices with your money. Use my free printable savings worksheets to help you get started today!

 

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Office Supply Stores Back to School Deals

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Backtoschool2016

Here are the current Back to School office supply store deals. This list goes up on Friday for the deals that start on Sunday. Remember to buy what you need to get through the year and a few extras for your teachers!

These are the deals for 8/27 – 9/3

OfficeMax/Office Depot

Office Depot Brand Vinyl Storage Pouch: $0.25

Limit 3

$5 minimum purchase before taxes

Scholastic Crayons: $0.25

Limit 3

$5 minimum purchase before taxes

Office Depot Brand Filler Paper, 100-CT: $0.25

Limit 3

$5 minimum purchase before taxes

Office Depot Brand 2-Hole Pencil Sharpeners: $0.25

Limit 3

$5 minimum purchase before taxes

BIC Round Stic Grip Ballpoint Pens, 12 pk: $0.50

Limit 3

Mini Staplers: $0.50

Limit 3

Office Depot Brand Tank Highlighters, 5-PK: $0.75

Limit 3

Duracell Coppertop Alkaline Batteries, 16-PK: $14.99

Get $14.98 back in rewards

Final Price: $0.01

Limit 2 rewards offers per member

Paper Mate Sharpwriter Pencils, 12 pk: $1

Limit 3

Scholastic Clear Glue, 1 L: $2

[Read more…]

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FREE Baby Sling, Carseat Cover, & More For Parents!

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babybudget

We have quite a few readers who are having children or grandchildren in the next few months. I am always asked about gifts, savings, and more for these moms to be. Here is a roundup of a few of my favorite freebies. All of the following have been verified to be legitimate freebies. In fact, I  just ordered from one of these for a few friends who are expecting babies in the next few months, still waiting for the baby car seat Singapore delivery!

*Reposted 7/14/2017

Free Baby Sling:

 Lucky Pink

Get a stylish baby sling for FREE! You only have to pay for shipping and handling. I keep one of these on hand for baby showers!

Click on ‘Shop Now”, select any baby carrier you would like. Be sure to go to the sizing page so that you can get the right size carrier for you. Once you have selected your size, you will automatically be directed to the “shopping bag” where you can enter the promo code “ENBABY“. This promo code will take 100% off of the baby carrier purchase and all you are required to pay are the shipping fees. You can use the code more than once- simply open a new browser window to do so. These make great baby shower gifts!

 

FREE Carseat Carrier Cover:

Carseat Canopyindex

This would make a great gift for a new mom!

Click on “Shop Now”, select any canopy you would like (be sure to go to their sizing page so you can get the right size carrier for you). Once you have selected your size, you will automatically be directed to the “shopping bag” where you can enter the promo code “MYSAVINGS” This promo code will take off 100% of the canopy purchase and all you are required to pay are the shipping fees. You can use the code more than once – you just have to open a new browser/window to do so.

 

FREE 5 Pairs of Baby Leggings

Check out this great deal for the little ones in your lives. Right now you can get 5 pairs of baby leggings for FREE. You only have to pay for shipping and handling. These make great gifts and there are so many different choices.

These sell for $10 each. Here is how to get 5 for free. Pick 5 pairs (they can be different pairs and add them to your cart. Put in Discount Code: MYSAVINGS. This will take off $50 (your total for 5 pairs). You only have to pay shipping and handling. I tried it to make sure!

LEGGINGS

Your total for all 5 is FREE, and only $12.95 for shipping and handling!! That is an awesome savings!!

Freebie for Nursing Moms: Free Breast Pads!!

Do you know a new mom or are you, yourself a new mom? Grab yourself 5 Free pairs of Breast Pads:

  1. Go Here
  2. Select your favorite pairs of Breast Pads – you will then be automatically directed to your shopping cart.
  3. Enter the promo code “ENBABY” and we will deduct 100% off the cost of your Breast Pads – a $35 value!

*Remember, you can use the promo code “ENBABY” more than once, just open a new browser to do so!

SUBTOTAL: $ 35.00
CODE DISCOUNT: ($ 35.00)     
SUBTOTAL: $ 0.00

*Offer valid while supplies last.

 

Free Nursing Pillow! Great Baby Shower Gift!

Enter promotional code MYSAVINGS to receive free Nursing Pillow. You only have to pay for shipping and handling!

Firefly_Medium

There are some really cute designs! These would make great gifts for a mom to be! I used mine almost every day, when my little one was born.

Twilight_Pattern_Large

If you prefer the higher price Minky pillows, the discount code will take off $40, so you only pay $4.95 +shipping and handling.

Here is  a picture of what the higher price Minky pillow looks like:

PinkMinky_Large

 

 

 

FREE Pregnancy Belly Button Bands!!

 

bellybutton

Am I the only person who didn’t know these things existed?! So I could have seriously have worn one of these instead of going out and buying maternity pants?!  I love that you can still wear your pre-pregnancy pants unbuttoned and this belly band will hold tight and keep those unbuttoned pants in place!!

Right now you can get 2 of these belly bands or one FREE Body band!! What a great gift for a mom to be!!!! Here is how to get these for free.

  1. Click here.
  2. Add 2 belly bands OR 1 body band to your cart
  3. Add promo code ENBABY at checkout.

You only have to pay for shipping and handling!!!

Free Board Books

Free Baby Board Books!
Books, prints, and other products provide for a print-rich environment where family members of all ages can interact and enjoy, whether silently, during read-alouds and dramatizations, or when wanting to read aloud together. Everyone wins with Babsy Books as family members use oral language to read aloud, think, and laugh with one another!

You can get 5 Babsy B  ooks What a great gift for a family!!! Here is how to get these for free.

  1. Click here.
  2. Add 5 baby board boards to your cart
  3. Add promo code PJBABY  at checkout.

You only have to pay for shipping and handling!!!

FREE Faux Fur-hat!!

225x188

Ok these are so adorable! I may have to get one as a gift.Check out this great deal for the little ones in your lives. Right now you can get 1 of these adorable hats for FREE. You only have to pay for shipping and handling. These make great gifts and there are so many different choices!

How to get yours:

  1. Click here.
  2. Add 1 Faux Fur-hat to your cart
  3. Add promo code PJBABY at checkout.

You only have to pay for shipping and handling!!!

Ruffle Buns

216x180

I’m not sure what I like more, the hat above or these adorable Ruffle Buns. I am seriously buying a few items off this list to keep for future baby shower gifts. You can get three pairs of Ruffle Buns with promo code PJBABY at checkout

How to get yours:

  1. Click here.
  2. Add 3 pairs of Ruffle Buns to your cart
  3. Add promo code PJBABY at checkout.

You only have to pay for shipping and handling!!!

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