Sunday, May 11, 2014

Free blogging ebooks for Mother's Day

Happy Mother's Day, mom bloggers.  Blogelina has a fantastic bundle of ebooks about blogging available right now.  Check it out, and sign up!

Everything You Need To Build A Successful Blog

Friday, February 28, 2014

Cheap Dr. Seuss books and a free gift!

This week, for Dr. Seuss's birthday, get a free gift along with your welcome package when signing up for the Dr. Seuss book club.  So, for $5.95, you get 5 books and a gift!  Great to build your kids' library or stock your gift closet.

Remember, when you sign up for this offer, you are signing up for a monthly book club and will get shipments every month.

This is an affiliate link

Thursday, November 21, 2013

Giveaway: Old El Paso Frozen Meals

Through the My Blog Spark program, I was recently given the chance to try one of the new Old El Paso frozen entrees.

(SIDENOTE: I took pictures for this post.  Awesome pictures.  Lots of them. Before I ate the quesadillas. And then I LOST THE CAMERA WITH THE PICTURES ON IT somewhere in my house.  Ahem.  If I find it, I'll add them.. Because they were awesome.  Sigh.)

I got a package in the mail with a coupon for a free Old El Paso frozen product, a $10 Visa gift card, and a beautiful chips and dip platter.  (Remember this, it will be important later.)

At the store, I looked at the products available and decided to get steak quesadillas because my somewhat picky 3 year old kinda loves quesadillas.

They were really easy to make, they only took a few minutes in the microwave to come out melty and perfect.  I momentarily doubted my decision because quesadillas are pretty easy to make anyway, so I wasn't sure I needed a frozen product.

The Old El Paso steak quesadillas, though, were nothing like the quesadillas I make at home.  They had A LOT of steak, red and green bell peppers, and salsa verde.  They were DELICIOUS.  And even though Miss Three saw the peppers, said she didn't like green things, and made me pick them all off before she would eat, she enjoyed them too.

The package said it was a meal for 2, so I paired it with some rice and leftover beans for me and the husband and an apple for the kiddo to stretch it a little.  The package contained 4 quesadillas, and we were each satisfied with one.  That meant I had one left to eat for lunch the next day.  SCORE.

So if you're looking for a quick, easy meal (and I usually am), the Old El Paso frozen meals get my thumbs up.

Still reading?  Good!  Go to the Old El Paso website and check out the selection of frozen meals.  Come back here and tell me in a comment which one you'd like to try, and you will get a chance to win a prize pack identical to the one I got (see why that was important??).   

Disclosure: I was sent a prize package in exchange for my review of this product.  My opinion can't be bought, though.  Not even with delicious, delicious quesadillas.

Tuesday, July 30, 2013

Good deal on Gevalia coffee

Right now, you can get 2 boxes of Gevalia coffee for $9.95 and free shipping if you buy through my referral link.  The deal is good on 8 ounce boxes of coffee (regularly priced between $6.99 and $9.99) and 12 count boxes of k-cups.  My buy price for k-cups is 50 cents a cup or less, so this is a great deal for me.  Plus, after getting so many free samples, Gevalia is one of my favorite brands of coffee.

Disclaimer: If you buy coffee through my referral link, I also qualify for a free box of coffee.  No pressure though.  Ahem.

Monday, May 27, 2013

Spring Clean your finances: Budgeting for recurring expenses

Once you have your monthly budget set up and working, the next step is to plan for your periodic expenses, things like your insurance premiums, taxes, or any other budget item that comes up less often than every month.

There's a reason why I think this is the most important next step in getting your finances in order, before you even think about emergency cash reserves or debt reduction: You've ALREADY spent this money.  You don't have it anymore.

Let me say that again, in case it wasn't clear.

You don't have this money anymore.  It's already spent.  You may see it in your checking account and think, Hey, look at all this money I have to buy pretty things for my house, save for my kids' college, or pay off my student loans.  You're wrong.  It's an illusion.  It's not there anymore.  It's already spent.

Do you need to re-read that a few times in order to internalize it?  It's okay.  I'll wait.  Let me know when you're ready.

So.  Now that we have that clear, let's talk about what to do about it.

If you're making a new, specific budget every month (which you should be) and you have a ton of discretionary cash (which you probably don't if you're reading this), then you can just adjust the specific month's budget by decreasing other spending to make up for the big payment you have that month.

If you don't have the cash, no matter how much you cut down on movies out, then you need to think about those expenses before the month when they're due.  This should not be money that comes out of your emergency fund or causes you to go into credit card debt because it isn't an emergency.  It isn't a surprise.  You know exactly when it's coming.

So, what to do.

I recommend setting up a separate savings account, with instant cash transfer privileges, just for your recurring expenses.  I call mine my "Freedom account" - I'm pretty sure I stole that from Suze Orman - and it's separate from my emergency fund.  (If you're extremely disciplined, you can do this as an entirely paper and pencil exercise and just keep the money in your main checking account, but you have to remember when you see the money that it ISN'T REALLY THERE.)

Then, make a list of all the expenses you have that come up a few times a year. I include Christmas on this list now, but I didn't when I was first starting out (we just had some arts and crafts Christmases for a few years).  Figure out how much you need, how often for each one.  Then, you have to fund this account.  There are two main ways to do this.

Monthly Deposits

I divide my recurring expenses by 12 (or by 6, for the ones that come up twice a year) and figure out how much they are actually costing me per month.  Then, I have my savings account set up to automatically transfer that much money out of my main checking account every month.  For each of my recurring expenses.   Then when I get a bill in the mail, I just log on and transfer the money back to my checking account.  No worries, no stress.  I know the money is there, I know that's what it's there for.

This puts a huge dent in my monthly cash flow because all of these items are line items on my budget every month.  When I think about how much money I have available to spend, I always take this out first.  This is annoying, but in the long run it's really a good thing.

Lump sum deposits

If, right now, you don't have enough money in your monthly budget to add line items for each of your recurring expenses, you need to be a little more creative about how you fund them.  Here's how I recommend doing this with lump sum deposits:

Make a list of all your recurring expenses.   List them in order of when they come due, and if you have more than one due in the same month, list them in order of importance (as in, if you run out of money and can't pay one, which one will hurt you and your family less).  Then, every time you get an extra influx of cash - some extra income, a tax return, a gift, a three pay check month - fund those expenses in the order they are on your list.  So, if you get $400 from doing an odd job for your neighbor, the first $300 might go to your life insurance premium, and the next $100 would go to your real estate taxes.  Transfer that money to your freedom account, and check off on your list what you have funded.  Continue to do this until all your expenses for the year are covered.

Again, I really recommend you do this BEFORE you do anything else with your money.  Before your emergency fund, before your debt reduction.  It will give you peace of mind because a bill will never take you by surprise and ruin you again.

(I think, ideally, your goal will be to adjust your cash flow so that you can eventually do monthly deposits.  This gives you even more peace of mind than the lump sum method, which still relies a little bit on "magic money.")

I keep my freedom fund in an ING Direct account (which isn't called that anymore.  I think it's Capital One 360 now).  When I started doing this, it was one of the highest interest accounts you could find.  It really isn't anymore, but because it's so easy to use I have kept my money there.  If you are interested, I can send you a referral link which will give you an extra $25 when you open your account (and give me a little money too).  You can also search BankRate to find which banks have the highest interest and find an account that way.  I do recommend you put this money in an account that makes you at least a little interest.  If it's just going to sit there, it might as well work for you.