Lists

I am a list-maker.  It's the way I stay sane.  It's the way I prevent (most of the time:-) that overloaded  brain forgetfulness.  It's the way I can sleep at night so I'm not worrying "Don't forget this, tomorrow."  I keep a notepad near my bed to keep track of these things.  But right on my fridge I have posted two lists that help me save money--my freezer content list and my restock list.

My freezer content list contains all the items I have in my deep freezer, which is especially helpful with the freezer meals I've been making.  I write the item, how many I have, and the date they were made or put in the freezer.  Then, when I take something out of the freezer, I cross it off the list.  This helps me remember and use what I have so that I don't waste money on unused freezer-burned food.

My restock list is where I write down the items that we're running out of.  My husband has learned that if he wants me to buy something, he must write it on the list or I won't remember to buy it!  When I go shopping, I grab the list so that I won't forget something...which saves me money on gas and those "extra" things you tend to pick up when you're just buying milk!

What lists help you save money?

New Year, New Resolutions

Most of you have probably already made (and perhaps even already broken ;-) your New Year's resolutions.  But if not, here is a suggestion for 2011--make (or reevaluate) a budget and try hard to stick to it!  What are your long-term goals?  What do you feel is important enough to invest your hard earned time and money in? 
My hubby and I recently sat down and reevaluated our budget.  Saving as much as we can is always a priority, but we realized there are a few categories we feel it important to invest some money and a whole lot of time in.  For us, we're focusing on: 1) our marriage, 2) our family, and 3) our health.  As my dad likes to joke, "Date nights are a lot cheaper than marriage counseling!" 
What is important to you?  Plan your budget accordingly and then stick to it!!

Winter Clearance

Most stores are clearancing their winter gear...which means savings for you!  Buy coats, hats, gloves, boots, slippers, etc. now for next year.  It may be a little difficult figuring out what size your kids will be next year, so do your best and err on the side of bigger.  Of course, don't forget to first check what hand-me-downs the younger kids can use.  Also check thrift stores for winter gear...often you can score great deals on good name-brand coats.

Generic vs. Name Brand

A great way to save money is to buy generic or store brands rather than a name brand (except when the name brand is on sale and you have a coupon:-).  Feel you are absolutely loyal to a specific brand?  Try a taste test with your family.  See if they notice a difference in taste.  If not, then you can continue buying the generic version.  If they did, go back to your preferred brand.  At least you gave it a try!  We've tried this and have discovered that most generic/store brands are just as good as the name brand (some are even better!).  There are a few items, such as tomato soup, where we prefer the taste of the more expensive name brand.

Generics especially save you money when buying over-the-counter drugs and prescription drugs.  Add up the savings!

Freezer Meals

I've lately gotten into the craze of making freezer meals.  This is a great way to stretch your dollar and to save time!  This way you will have meals on hand for those days you just don't feel like making dinner, saving you money by not eating out.

There are different ways to go about this:

1. When you make a meal, double it and freeze the extra.  This is by far the easiest, requiring little extra effort.
2. Join or form a freezer dinner group exchange.  Each person makes one meal for however many families are in the group and you exchange.  Nice for new recipes.
3. Have a big cooking day about one day a month, preparing several meals at once.  This works well when you have certain meal themes, such as chicken recipes.  You can stock up on chicken when it's on sale and then prepare several dishes at once.  This also saves money by consolidating cooking your chicken all at the same time, rather than on each day you are having chicken.

Some tips: 

• Freeze most meals in Ziploc freezer bags.  By laying them flat on a cookie sheet in the freezer, you can stack them easily, conserving space.
• Buy extra casserole dishes at garage sales, thrift stores, etc. so all your casserole dishes won't be tied up in the freezer.
• Use adhesive labels to attach to each dish, listing contents, date made, and directions for reheating.
• Keep a paper near the freezer to list the available meals and their dates.  Be sure to cross the meal off once you use it.

Thanks to all my friends who have taught me how to do freezer meals!!

Teach Them While They're Young

It's never too early to teach your children the basics of thrifty economics.  You will save them so much heartache later if you teach them now, while they're impressionable.  From early on, my kids have learned I won't buy anything they ask for at the grocery store, unless it's on my shopping list and I have a coupon and/or it's on sale.

My eldest (age 7) is learning the financial pressure of debt.  He really wanted to buy a certain toy.  When he discovered he didn't have enough, I encouraged him to wait until he had saved up enough to buy it.  However, if he still wanted it, I would buy it for him, but he would have to pay me back the loan amount plus interest after the grace period.  I know it seems harsh, but it has been a valuable lesson for him.  He has realized his purchase wasn't worth the stress he feels to earn the money before interest starts accruing.  I figure it's better for him to learn this lesson now over a few dollars than it is for him to learn it when he's older and facing a much bigger monetary amount!

What do you do to teach your children money-saving skills?

Coupon Update

I just wanted to let you know there have been some changes in coupon policies lately.  Most King Soopers now will NOT let you use a digital coupon (CellFire, Kroger, etc. that are loaded to your card) in addition to a physical manufacturer coupon.

I've also lately been given tips on additional coupon sites.  Coupon Mom is a site that does similar shopping lists as The Grocery Game but it's free!  Check it out and see if it's to your liking.

My sister clued me in on Groupon, a group-coupon site where they offer certain daily deals.  Once signed up, you receive an email, text, or facebook post each day stating the daily deal.  Then you  decide if you want to participate in the group coupon.  For example, one daily deal was spend $5 for a $10 gift card to Cold Stone Creamery.  If you like ice cream and frequent Cold Stone Creamery, this would be the deal for you!  Just say you're in, pay your $5, and you'll receive a coupon in your in box as a $10 gift card.  The one catch is that enough people have to be interested in it, say 50 people, for the deal to be "on."  (We're talking in the whole Denver metro area, so most likely, most deals are a go.)  If the deal isn't "on" and the time expires, you aren't charged the required amount.  Just be wary of buying something because it's such a great "deal" when you don't really need it or would usually buy it!

Cooking Schedule and Themes

Anyone who knows me well knows I just HATE cooking!  There are so many things I would rather be doing than making a meal and cleaning up after it.  But food is necessary to sustain life (darn it:-) so it's got to be done.  I realized the hardest thing for me about cooking is coming up with the idea of WHAT to make.  So I came up with 12 dinner themes.  By repeating two themes, I have two-weeks worth of themed food nights, making it easier to come up with a menu (and helping us get out of a dinner rut).  I schedule these on the calendar and pick a meal for each theme.  What saves money is knowing before 5:00 what I'll be making for dinner so we don't fall back on "Let's just pick something up."  Another money saving tip is to create your menu specifically on what you have on hand or what is on sale that week.

For those of you who are interested, here's our Themes:
Italian
Mexican
Asian
Soup/Salad
From the Oven
Something New (to encourage me to branch out from our usual staples)
Family Favorites
Crockpot
Pizza (homemade)
Meatless
Simple (mac n cheese from a box, Ramen, grilled cheese, etc.)...twice
CORN (Clean Out Refrigerator Night)...twice

My husband has appreciated the better meals (and not having to wait so much when he gets home) and I've loved the anxiety-free feeling I have of knowing what we're having for dinner.  So, get your calendars and pencils ready and start planning your menus!  Who knows, you might actually start enjoying cooking every once in a while!-)

Leftover Hair Conditioner

Used the last of the shampoo, but still have some remaining conditioner?  Don't throw it out!  Use it as shaving cream instead.  It works just as well and you save some money in the process.

Do-It-Yourself Car Repair

My husband and I are not what you would call handy do-it-yourself people.  Which is a shame, because whenever you can do something yourself, you can save A LOT of money.  But even if you don't know much by way of car repair, there are a few things you can learn to do:

• Change your oil.  It requires a few special tools and some time, but it can definitely save you a good chunk of change.
• Change your air filter.
• Replace a bulb.  Light burned out?  It's a simple procedure.  Just follow the owner's manual for your specific car...each make and model is different.  We recently "saved" $15 by doing it ourselves rather than letting the car repair place do it.
• Replace your battery.
• Replace your windshield wipers.

I'm sure there are other skills that can be easily learned.  Probably most importantly, find a repair shop that you trust for all the big unexpected repairs.

Where have you found a trustworthy mechanic?

Laundry Loads

To maximize savings on laundry, here are some ideas:

• Do all your laundry on one day, starting a load as soon as another load finishes.  This maximizes the efficiency of your dryer...it stays warm inside, so you spend less money reheating the dryer for each load.
• Wash all loads in cold water to save heating costs.  (I must admit I don't do this...I'm too much of a germaphobe...gotta have it hot for certain loads to kill the germs.)
• Wash only full loads.  A full load uses almost the same energy to run as a small load!
• Use less detergent.
• Dry whatever you can on a clothesline.
• Fold or hang clothes immediately after taking them out of the dryer.  This saves money and time because it means less ironing!
• Iron your clothes in one big batch, saving money to reheat the iron multiple times.

What are your ideas?

Bike For Your Buck

I am blessed to live in a community that is interlaced with many biking/walking trails.  This allows me to bike to many nearby places rather than have to drive to them (although, in full disclosure, I often do!-).  Biking, instead of driving, has so many benefits.  For example:

• You save money on gas and on wear and tear of your car.  Even those short trips within a mile or two add up!
• You save money because, if you plan on biking regularly, you won't go as often to the stores and you won't buy as much!
• Biking is good for your body.
• It's good for the environment.
• You can spend more quality time with your loved ones enjoying the outdoors.  (How do you do it with little ones, you may ask?  Invest in a bike trailer for toddlers and preschoolers and bikes for the bigger kids.  You can also use the trailer to carry items, such as groceries or library books.  I have friends who attach a third seat/wheel (not sure what they're called) in addition to a bike trailer.  Now that's dedication!)
• You get to enjoy scenery you don't usually see.  For example, last week my kids and I biked to their swimming lessons.  We got to see three hawks or falcons up close.  It was great!  My boys now want to learn about hawks and falcons so we can tell the difference!

Want to get started but don't have the gear?  Buy items from garage sales, thrift stores, or Craigslist.  It doesn't have to be pretty...it just needs to work!  Friends and neighbors might give you their kids' outgrown bikes for free if they know you like hand-me-downs.

Have fun and get biking!