The Frugal Files: 5 Ways to Your Stockpile

Welcome to The Frugal Files!!

Many people ask me why I’m an Extreme Couponer. Well, I don’t really consider myself extreme, but I coupon because I want to save my family money on food and the things we use at home. If you found a way to save money in your pockets wouldn't you keep doing it? Exactly!! One of the ways to make sure I save money is to stock those items, so my family doesn't have pay more in the long run. How, you ask? It’s easy. Have a stockpile. I know that’s pretty easy to say, but is it easy to do? Of course it is!! Here’s how:

• Investigate: Sit down with your family and write down the things that you use and eat most and how much. Brands don’t matter because with couponing, you’ll find stockpiling what’s on sale is best. Once you have your numbers, be on the cycle look out for your items. Based on your family size, ask yourself how much you want to have on hand. A good rule of thumb is to set aside about six months’ worth of food and 12-24 months’ worth of household and personal items.
•  Build: Start by watching the sales and gathering your corresponding coupons for the items on your list. Choose 1-2 items weekly to stock. Sales come around in cycles, usually every 8-12 weeks, so organize your coupon binders and be ready to jump on the sale when it comes. This is the longest part of the process and can take about 3-9 months to get it where you feel it’s a comfortable stockpile. The idea is that you have enough to last you through the season or until the next sales cycle.
• Organize: Arrange your items neatly as you get them, preferably on shelves so you can see them clearly. If you have extra cabinets or shelves, great, if not, you may have to get some shelves and put them up in your basement or storage area. For those with large families wanting to create a large stockpile, consider investing in a deep freezer. You will need it (or two). Separate your sections for food, personal items, toiletries, household items, medicines and pet items. Put like items together and move those things you bought first, to the front so they get used first.
• Manage: Develop a system to keep track of what you have, whether you keep a checklist or use a dry erase board or chalkboard. The key is teaching your family to update the number when they take items out of the pantry or deep freezer. You’ll want to know everything you have at all times, which includes the quantity and their expiration dates. When your items get close to expiring and you know you’re not going to use them, consider donating to family, friends or a local pantry. You don’t want to lose your savings by letting things go to waste.
• Replenish: Even when you have a nice stockpile going and you’re able to “shop” in your own store, don’t let it die. When those sales come back around and are “stockpile prices”, jump in an grab a couple of those deals, to keep your stockpile up and running. Keep a list of stockpiling prices in your coupon binder. This way when you come across the right price, you can stock up then, saving hundreds of dollars in the long run.

What ideas do you have for stockpiling? Let’s chat!!

Frugalicious Diva

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The Frugal Files: Frugal Random Acts of Kindness

Happy Holidays frugalicious ones!!

It has been a couple of weeks, but I needed some downtime to focus on some other things in my life, but rest assured, I've been thinking about you!! Hope all is well with you and your family this holiday season!! I know trials come and we get discouraged every now and then, but please know that trouble doesn't last always and you can find ways to have joy and peace in your life, even during the storm.

If you don’t live under a rock, then you know that horrific event took place last week. All those beautiful children and adults who cared for them gone; lost due to senseless violence and someone’s personal agenda. It was traumatic for all involved and all who watched. We were all affected by it, but I’m here today to challenge each and every one of us to rise above the slump of depression it caused and honor the memories of those who lost their lives.

I will not get into discussions about what could have, should have or might have happened if. It is time to turn off the television, stop reading the recaps and move on with living our lives because we are still here. Because we’re still here, to me that means, we’re still in the position to bless others. Don’t let those lives be lost in vain; do something to help your fellow man today, everyday!!

How? By making Random Acts of Kindness a lifestyle; a way of life. We take kindness for granted in this society, but I feel when we’re kind to ourselves and others, we truly do make this world a better place. You never know how a person’s day is going, so don’t underestimate your smile or wink at them, you holding the door for someone, you complementing someone on their outfit or hair or even going back to the basics: saying “Thank You”. It’s not only polite, it invites others to be just as nice as you, even if just for that one moment.

Are you ready to fill the rest of 2012 and all of 2013 with your acts of kindness? They don’t even have to be random if you don’t want them to be. I think God will be pleased, as well as the recipient of your kindness, if you PLAN it. Sit down, make a list. We won’t mind. It’s all good…literally. While you’re here, let’s start one now. You know you’re here with the Frugalicious Diva, so we have to put a frugal spin on it. Lets’ just see what we can come up with, shall we?

Donations. You know this is always a big deal for me. Also, it’s the end of the year, so you still have a little time to donate to charitable organizations and get your tax deduction forms. If fact, here’s your first frugal act of kindness:

• Donate your goodwill tax deduction forms to a homeowner who can benefit from them.
• Drop your used clothing and shoes into the donation bins in your community.
• Give your old trophies to the Special Olympics organization.
• Have money left on your coffee house card? Give it to the next person in line.
• Slip someone a $20 bill when they’re not looking. Make their day!!
• Allow your child to choose 1-2 toys to donate to a child that is spending Christmas in a shelter.
• Use freecycle to give away nice things that someone can use again.

Couponers, I wanted to separate this list especially for you because you will understand the terms. I’ve gotten some of these ideas from my fellow online coupon buddies. They are great ideas and ensure that you’re both paying it forward and passing on the blessings!!

• Make a basket of stockpile goodies for your mail carrier, assistant or your child’s teacher.
• Donate items from your stockpile and replenish your church’s pantry or a food bank.
• Bag up your free beauty items in cute goody bags and donate them to a women’s shelter.
• Ask if you can host a pamper party at a Domestic Violence shelter and gift every woman with a gift bag
• Donate proceeds from a sale to a needy family for Christmas.
• Did you run across a coupon related MONEY MAKER at the store? Walk around the store and randomly give the rewards or money to someone shopping.
• Give out coupons to other customers while shopping. They won’t mind you snooping in their cart if you’re going to help them save money.
• Make stockpile laundry baskets for college students. They will appreciate that toothpaste, shampoo, conditioner and soap!!
• Find all your mailbox freebies a new home, or use them!!
• Share the gift of couponing!! Make someone a coupon binder and watch them go!!

As you can see, the possibilities are ENDLESS!! What else can you do to make it a “Random Frugal Acts of Kindness? kind of day? I’d love to read them!! Connect with me on Facebook and Twitter. Use hash tag #frugalicious #frugalRAOK and #26acts to honor the fallen in Connecticut. Enjoy your blessings and even more, your ability to be one!! Muah!! 

Happy Holidays!!

Frugalicious Diva

Follow Me on Twitter at @FrugaliciousDva

The Frugal Files: Giving Thanks Today!!

Happy Thanksgiving to you!!

Welcome to the Thanksgiving edition of The Frugal Files!! Last year around this time, we were talking Black Friday sales, but this time I’d like to focus more on what we have rather than what we want. It’s a lovely day outside and a glorious day to give thanks. Last week, we talked about  ((link)) and this week, I just wanted to share some ways to give thanks and share this time with those who truly matter. Great thing about it, is they are Frugalicious…as always.

Spend time with family, no matter the size. Also, family doesn’t mean just those related to you by blood. Share time and space with those that matter most to you and make it a happy day. Eat, play games, discuss the world and just enjoy each other’s company. Catch up on what’s going on in your lives. You never know what will come up; new business ideas, referrals, opportunities. We all get so busy on social media with people we don’t know, that we miss out on the expertise right in our own family.

Check on others. Because I have such a big family, I sometimes forget that it’s not the case for everyone. Holidays are times to share with people we love and care about. So if you have a friend that has no family in the area or a college student that didn’t go home, offer them a plate and an invitation to spend time with your family. Let’s make sure people aren’t lonely and alone during this holiday time. I am thankful and very proud that my family is large and that they are welcoming to newcomers. They won’t hesitate to throw someone in the food line and give them a hug. That goes for any family function, be it a holiday gathering or a game night. If they are family to one of us, they are family to all of us.

Visit extended family. You have a few days off right? Don’t spend it all at the mall. Why not call or take a ride to an aunt’s house you haven’t seen in a while. Do you have a family member in a nursing home? Go visit them and share a piece of pie and play a few rounds of checkers. This is the time to show people that even when you don’t see each other often, they are still thought about and loved. Use this gesture as a reminder to go and visit people more often. Let them tell you stories. One thing we don’t do as much as we used to is sit at the feet of our elders and listen to their wisdom. They’ve lived long enough to know something about life, so let’s get that knowledge and pass it on to the next generation.

Volunteer. I know I talked about this last week, but because people seem to have so much time off work and school, it’s the perfect time to lend a helping hand for a good cause. This is not only to say that volunteering should only be done around these holidays, but it’s a good start. Use it as a catapult to really make donating your time, a lifestyle change. Donate money, attend a fundraiser, help them raise funds and jump in and fill in the gap where they need help.

Give away items. In addition to giving out toys for tots, consider donating items from a shelter’s wish list. Organize a drive of some sort at your church or in your women’s group. Choose a local, national or international charity and set aside time and money to support it. It will do both the charity and your heart, good!!

No matter what you do today and during this time of relaxation, be sure to give thanks. You may not be where you want to be or have everything you want, but say a word of thanks to God for all that you do have. Enjoy and Happy Thanksgiving to you and yours!!

Frugalicious Diva

Follow Me on Twitter at @FrugaliciousDva

The Frugal Files: Gratitude & Giving

Hey Frugal Folks!!

Welcome back to The Frugal Files!! In November, we celebrate Gratitude Month. We should be grateful all year, but it’s nice to have a month to truly focus on something that helps us to be better people. When we’re better, we give others around us permission to be better too. This month is a loving place that will hopefully remind us of all the great things life has to offer and has been offering all along.

This week we celebrated Veteran’s Day. Besides taking advantage of the sales, I hope you took the time to reflect on how our lives have been positively affected by those who fought for our freedoms? Did you thank a Veteran? Yes, Sunday and Monday were days specifically set aside to thank them, but feel free to show them some gratitude anytime, especially if they are in uniform. I guarantee that a “thank you” and smile will brighten a day, knowing that what they do and have done is appreciated.

How else can you show gratitude? Take a challenge to write down those things for which you are grateful, daily. Many of my online friends are blogging this month, chronicling their life through their grateful eyes. When you are grateful for the people and things you have in your life, you find that you are truly blessed. No matter what you've been through (because Lord knows, we've all been through something), you can find something that will make you smile; something to be grateful about.

I've also received emails about meditation challenges. Even though I haven’t been keeping up like I should, I’m currently taking part in Deepak Chopra's 21 Day Meditation Challenge. The focus of this series is creating abundance. How do you create abundance? By focusing on abundance and most importantly, gratitude. The more you’re grateful, the more abundance you create. Of course, our gratitude efforts wouldn't be complete without affirmations. I’ll share today’s, so we can reflect on it together.

“Today, and every day, I give what I want to receive.”

My last few months, really this whole year, hasn't been the happiest for me. Sometimes, it was downright depressing, but last month, I decided once and for all; I will set out to be a blessing for others. No matter how I’m feeling, I cannot ignore the fact that my life is extremely blessed, therefore I will bless others. In this journey, I have found so many more things I’m grateful for in my life. My prayer to God was not one of asking for myself, but of giving myself away, so He could use me to bless others. Here's a musical inspiration for you.

My biggest effort is to help those in need during this hurricane and holiday season. I know we’re all glad the election is over, but the tragedy of Hurricane Sandy, keeps us in a place of anguish. Let’s do something about it. I have several friends in the NYC area that were affected and it’s been my mission to send them items to help them rebuild. I got my church, my sorority and my couponing group involved; because TOGETHER, we can make a difference.

So, frugalicious divas and dons, gather your coupons, pack up your binders and find some sales that will allow you to put together care packages for those in need this season. If you’re not a couponer, be a friend and buy a Sunday newspaper for someone who is, so they can utilize those coupons. Find local charities and donate items that are on their wish list. If nothing else, volunteer your time. Serve holiday dinner or help prepare it. Help a local shelter make phone calls or organize their community closet.

If you want to help those affected by Sandy, consider assisting with the Far Rockaway areas. This is our Belle Noir writer Marcy’s area and she’s been wonderful at providing information to assist families who have lost everything or are still living without electricity. 

The Divas Making A Difference NY Chapter is looking for people to send the following items: 
- Toothbrushes
- Toothpaste
- Deodorant
- Q-tips
- Sanitary Napkins/ Pantiliners / Tampons
- Lotion
- Lip balm
- Facial cleaner
- Body soap/body wash
- Cleaning puffs/washcloths/ towels
- Shampoo
- Hair conditioner
- Perfume
- Body moisturizer
- Facial moisturizer
- Shaving supplies
- Hair accessories (bobby pins, hair ties...)

Send contributions to:
Tiffany Braxton
c/o Divas Making A Difference New York Chapter
PO Box 340317
Rochdale Village, New York 11434

Let's give during this time of gratitude!! Enjoy your week!!

Frugalicious Diva

Follow Me on Twitter at @FrugaliciousDva

The Frugal Files: The Real Scary Stuff!! Happy Halloween!!

Happy Halloween frugal folks!!

Today is one of those fun holidays where people celebrate with parties and candy, as well as take part in festive outlets such as parties, dressing up in costumes and scaring little kids. I’m sure you’ve been blasted with ideas and images on how to make this year’s Halloween event more creative, frugal or not. During this time, most people find ghosts, goblins and witches scary, but today we’re going to talk about what scares adults or should scare them…into taking care of their financial business.

First, let’s talk about GHOSTS, also known as DEBT!! Debt is something that people have that often lurks around because we get caught up in life and forget about it. Of course, we know what our immediate debt is: house and car notes, credit cards, school loans. However, do you pull your credit report yearly to make sure you didn’t leave something in the past? If you don’t address it, like a ghost, it will haunt you and show up and scare you when you want to do something with your life. When you go to buy a house, it’s there. When you want to be considered for a business loan, there it is.

So, how do you eliminate ghosts? Find their source and close the case, making it comfortable enough to move on to the next life, which for us is called PAID OFF. Pay your old debts off and send a letter to the credit bureaus with the proof that you have done so. Then move on to your next phase of life, debt free!!

Second, let’s address some GHOULS and GOBLINS, which are sometimes little and annoying but have the potential to consume us or our money if we don’t address them right now. It’s getting cold now and Winter is not far away. It’s time to get prepared for it. My heart goes out to all those affected by Hurricane Sandy. If you can, join me in sending aid to those in need. I’ll be looking for items to send them.

Start winterizing your home. Put in your storm windows, clean out your gutters, rake up the leaves and trim back the trees to minimize damage from the snow. Get your salt, shovels and snow blowers ready to take care of your yard and help out a neighbor too. Put plastic over the windows to keep out air that might seep in older windows. Stock up on food, especially those that will warm you up: soups, stews and cocoa. Plan for inside activities, so no one is bored enough to want to go out for outings. It will be safer to be inside on some days.

Get your car ready too. Its care will make the difference when going through the winter months. Get your tune up, new tires and make sure your heat is in proper working condition. Keep an emergency kit in your car that includes flares, blankets, a first aid kit and some non-perishable food and water. Carry around your pet’s food or sand to help with traction after it’s snowed. That will help you move through the snow. At all times, be cautious and careful while driving. Pay attention to the road and keep your phone put away.

Last, let’s talk WITCHES and ZOMBIES, which for the sake of this conversation is about insurance and wills/trusts. Both are topics people shy away from addressing because no one really wants to talk about death and illness. Unfortunately, that is part of life and people do get sick and pass away. The key is to celebrate life while we’re here and to let our loved ones continue to celebrate even when we’re gone. They can’t do that if they are worrying about how to bury loved ones; how to pay for bills left by loved ones or how to divide up an estate because that loved one didn’t take time to prepare before leaving this earth. No one wants the witch, called probate court, to decide where your family’s property and belongings will go.

Talk candidly to your family about preparing for the future. Make sure you have ample coverage in case of an emergency. Contact a professional and put your requests in writing. It’s the only way to secure your future and the future of those after you. Let’s take care of our business and cast out those financial demons that threaten us and our families!! This is my candy for you. Trick or Treat!! Happy Halloween!!

Frugalicious Diva

Follow Me on Twitter at @FrugaliciousDva

The Frugal Files: Update Your Wardrobe the Frugalicious Way!!

Welcome back frugalicious ones!!

Hope it’s been a great week for you!! So, how’s the weather? Isn’t that how you might start off a new conversation? I know, a little old fashioned, but during this time, this question literally still applies to us. We’ve been having a very warm Fall and it seems that from day to day, we are not sure what to expect. So, let me ask you this? Have you changed out your seasonal wardrobes yet? I haven’t and I also haven’t taken our air conditioners out of the windows yet. We haven’t been using them, but it still just doesn’t feel like “it’s time”.

One thing it’s always time for though, is fashion. Frugal fashion and that’s what we’re chatting about today. I’m not going to point out sales or do any high end to low end scale matching, but I’m going to share some tips I’ve learned from one of my favorite (and local) stylists, honey like love, about how to stay stylish no matter what season it is.

These tips are easy to do, very affordable and will dazzle you up whether you are headed to your 9-to-5 or headed out to a Girl’s Night Out. The best thing about them is that you will have a great time shopping in your own closet and will rediscover your wardrobe for what it truly is…frugaliciously fabulous!!

Use Color!! Whether it’s a little or a lot, be sure to incorporate it into your wardrobe. I know many women have a closet full of black clothing, especially for the Fall and Winter, since history has shown many are encouraged to wear darker colors for these seasons. While that’s true, dark doesn’t always have to fall into the black/brown category. Discover colors like Tangerine, Golden tones, Grays and Chartreuse. Make your outfit stand out with a pop of color. Want more color selections with which to experiment?, Check out Pantone Fashion Color Report Fall 2012.

 



How do you use your color? Use it around your neckline to draw out the color of your eyes or make your lips pop. Add a little to your lapel, mix and match it on the top and bottom. Have a completely unexpected color in your high heels. All will tie in with your outfit and give you the confidence needed to strut your frugalicious stuff into your next meeting.

Mix & Match!! We hear this all the time right? It usually is referring to changing out your tops and bottoms (or similar sale items in a grocery store and coupon scenario). I concur here too, but will take it further. Not only can you where that top with pants, a skirt or a pair capris, you can also mix and match your seasonal pieces with your out-of-season pieces. Yes, that’s right. With the exception of flip flops, I propose that you can use pretty much any of your Spring and Summer pieces with your Fall and Winter wardrobe. You just have to know how to wear it.

Have a favorite boyfriend tee, sleeveless tank or romper pants suit? Add a blazer and keep it moving? What about your dress? Dress it up more with a cardigan. Next time you purchase a dress, be sure it’s at least a 3 season frock where you can wear in more than one season.

Use Accessories!! This is self-explanatory, but I promise you will NEVER get tired of this tip. Depending on your mood and event, the possibilities here are endless. You have your obvious accessories like jewelry, watches and hair adornments, but don’t forget about your belts, which when partnered with a jacket and pencil skirt, are fab-u-lous!! Also, eye shadow and lip color, leggings and patterns tights, brooches and handbags. Oh and scarves, one of my FAVORITE additions to apparel. Have you seen this video? 25 Ways to tie a scarf!! You will be dazzled and dazzle others with this creative fashionista’s tying tips.

 

So, how do you feel about walking into Winter now? Surely, you can with style right from your own bedroom!! Toodles and chat with you soon!!

Frugalicious Diva
Follow Me on Twitter at @FrugaliciousDva

The Frugal Files: Know Your Lingo, Coupon Lingo!!

Hey frugalicious divas and the men who love us and love to save!! Welcome back to The Frugal Files!!

This past weekend has been such an awesome one. I taught my very first Coupon Workshop at the 2nd Annual Natural & Beauty Expo of NW Ohio, along with my best coupon buddy Tasha, of I LUV 2 COUPON!! Be sure to visit us there and join the group. It’s where we talk about saving and couponing daily. We share the steals and deals, the ups and downs and pictures of our store hauls and stockpiles. It’s a great place to be!!

It was my pleasure to share the stage with Tasha, as she is the Coupon Guru!! I credit her with teaching me MOST of what I know about couponing. She even put together my first coupon binder and later upgraded me to my second and she’s an all around great frugalicious diva and Belle!!

The people in the workshop brought so much energy; they were involved and truly sponges to the knowledge we were sharing. There were couponers and aspiring couponers alike in the room and it made for a great class. The workshop was only 45 minutes, so we crammed in as much information as possible. We created what was called The Countdown to Couponing, giving the run down on the 10 most important things to know about this art we call Couponing.

People often see my Facebook and Twitter posts and ask me how to save, how to get things free and how to coupon. Such vague questions we always need to narrow own, but I’ve found for those most interested in couponing, they just want to know where to start. One of our first pieces of advice is to LEARN THE TERMS. We speak English and we usually are able to decipher what each of us are saying to each other, but when it comes to couponing, there’s an entirely different lingo. I thought we’d explore those today. Here’s a list. Some are self-explanatory and some, a little more complicated.

Coupon Lingo

$1/1, $1/2: One dollar off one item, one dollar off two items, etc.
2/$1, 3/$2: Two items for one dollar, three items for two dollars, etc.
B1G1: Buy one item get one item free
B2G1: Buy two items get one item free
Beep: Register may beep when a coupon is scanned, sometimes due to error. Most times cashier will have to enter the coupon amount manually
Blinkies: Grocery/drugstore coupon dispensers with blinking lights

Catalina: Coupon that prints out during or after a transaction, like money, to use on next transaction

CRT: Cash register tape; CVS coupons that print with receipt

DND: Do not double
ECBs: ExtraCare Bucks; CVS loyalty rewards system
ETS: Excludes trial size; a restriction usually found on coupon

Exp.: Expires              

GC: Gift card
IP: Internet Printable, coupons that can be printed at home from the internet, usually two per computer are allowed. *Warning* These cannot be copied to make more!!

IVC: Instant Value Coupon, Walgreens coupons found in ads/monthly booklet
MIR: Mail-in rebate                          

NLA: No longer available; usually referring to internet printable coupons
OYNO: On your next order
OOP: Out of pocket                         

OOS: Out of stock
Peelie: Peel-off coupon found on product packaging
PG: Proctor & Gamble Inserts found in Sunday newspaper once or twice monthly           

RP: Red Plum Insert usually found in Sunday newspaper       

SS: Smart Source Insert usually found in Sunday newspaper and weekly “junkmail”

PSA: Prices starting at
R: Regional coupon; will be listed after insert date as applicable

RRs: Register Rewards; Walgreens' Catalina coupons

Q/MC: Coupong/Manufacturer's Coupon

SCR: Single Check Rebate, Rite Aid monthly rebates program

Stacking: Using bot a MC and a store coupon on one item

Tearpad: Pad of coupons attached to a display that you can tear off and use

UPC: Universal Product Code, the bar code on every product that scanned at the register

+UP Reward: Rite Aid Rewards Program

WYB: When you buy

YMMV: Your mileage (or manager) may vary, meaning some stores might give you a deal and others may not

Hopefully this helps when trying to figure out what's what about the couponing language. I'm always up for a coupon discussion, so if you have any questions, comments or concerns, be sure to contract me!! Until next time, stay frugalicious!!

Frugalicious Diva

Follow Me on Twitter at @FrugaliciousDva

The Frugal Files: Teach Me How to Save, 8 Ways

Hey there frugalicious folks!!

People always ask me how to save and want me to teach them how to save. For me, it’s a loaded question, and unless they are looking to save in one particular way, it’s almost impossible to answer the question. For me saving money and being frugalicious is a way of life. It’s every moment of every day and it’s the thinking that I can live fabulously and pay less than fabulous prices.

One tip I can give anyone who ever asks me about saving is that I play games and attempt to trick myself. My basic saving rule of thumb is, “never pay full price”. Then I set out to experiment with that theory on everything I ever need or want. Here are eight ways that I “trick” myself into living a frugal life and saving in every direction I go.

Comparison shopping. This is a game many people pay, and many salesmen pounce on you. Anyone that is trying to sell you something will always create a sense of urgency, that really isn’t a factor. They try to make you think it’s a factor, so they can get the sale. The fact is, you have plenty of time to shop, you can wait it out and the “hot item” is not going that fast. You want to know why? Because, if you want to buy it, they will have one for you to purchase. They always want the sale, but want you to think it’s urgent, so don’t fall for it. Take your time and do not give into the instant gratification. Chances are you can find a better sale or some discount.

Freecycle. This is kind of a comparison shopping trick for me too. Things I really don’t want to buy because maybe it’s a small thing or maybe just not in the budget this month. So many great things pop up on freecycle and sometimes you don’t even have to ask. I have found some great home décor items there. They were a little dusty, but were in great shape. Recently, I was at Savers looking for a pair of black shoes for work. Nothing fancy, just something comfortable in a basic black. I found a pair, but was not sold on them, so I didn’t purchase them. Then, that evening, a freecycler posted a “like new” pair of black, leather mules…in my size. I knew they were just for me, so I emailed them and I was able to pick them up the next day. They are perfect, just what I needed. Free!!

Bank Games. On the financial side, I keep my checkbook in check by fudging the numbers, but in a good way. First, I watch my bank account online daily, so at any given time, I know what I have. However, when I’m not online and I glance at my checkbook, it’s balanced off by $50. I use that amount as a buffer in my account, so that I’ll never get it down to $0. It helps keep it balanced knowing I always have a $50 cushion in there in case there’s a bank or purchase mishap like a double charge. It keeps stress levels down.

DIY. Many ask me all the time, what is "DIY"? It simply means "Do It Yourself" and when you live a frugal life, this is a staple in it. While I'm not opposed to paying for someone else's expertise when I just don't know what I'm, most times, I find I can get a better deal if I do it myself. "Myself" occasionally includes family and friends that will assist me in my goal.

There are so many DIY articles, videos, blogs including my own. I even did a DIY series a while back. Check out these links to read them: DIY Beauty, DIY Faces & Body, DIY Decor, DIY Cleaning I and DIY Cleaning II. There are plenty of ways to save by doing things yourself, if you just try.

Entertainment Tricks. I think with the stress of jobs, family and overall living, everyone is looking for an outlet and that's typically in the form of entertainment. Ways to save there is to rent movies from Redbox or even the library, play games you already have at home. Attend free events your local library, museum or university is sponsoring. What to see concerts or plays for free? Sign up or get hired as an usher. You get to meet great people, while ensuring you and them alike are thoroughly entertained.

Creative cooking. This is can be you cooking up some fancy vittles for a dinner party, but in this case, creative cooking means cupboard cooking; cooking what you have. My daughter would always whine that we didn't have anything to eat. It's because she'd already eaten up the easy snacks and things, but it is not my custom to go out and buy more of the easy stuff, when there's plenty of food on the shelves and in the freezer. Take an inventory of what you have and make a weekly or monthly menu. Mix and match meats, veggies and starches. Skip the meat occasionally and experiment with snacks. You might find that down deep, you're some kind of sous chef!!

Couponing and Sales. You all know this is my favorite savings tip. Make this your personal shopping mantra. If you want to buy something, find a coupon or coupon code to use on your transaction. Ask for a discount right at the counter. Buy something irregular or in the case of furniture or cars, purchase the display model. They can't charge you full price for it and it's often in really great shape. When grocery shopping, shop the stores with the best deals that will match with your coupons. Check out some additional Couponing Tricks of the Trade.

What ways can you teach yourself how to save? Where can you spend less? Set out to challenge yourself this week. Always ask yourself how you can get a better deal. Good luck to you and happy saving!!

Frugalicious Diva
Follow me on Twitter at @FrugaliciousDva

The Frugal Files: Hooray for a Frugal Homecoming!!

Hey frugal folks!!

Thanks for joining me in The Frugal Files!! For many parents of pre-teens and teenagers, it’s Homecoming season!! You know what that means…football games, food, parades and partie are plentiful during this time!! It’s lots of fun for both the kids and their families!!

Just sending a word especially to the freshman parents, “Homecoming is not that big of a deal.” Let me explain. It’s a great time of fun for the students, especially when they are participating for the first time, but the focus should be on just that; everyone having fun. No need to tap out financial resources for one of Fall’s favorite traditions. It’s all about fun and it can be frugal!!

First, the football games. I’ve already addressed this topic in a previous blog: High School, Not High Priced. My best advice is joining the PTA and volunteering to work the concession stand. It’s usually in a spot where you can see the game, cheer for your team, and drink hot chocolate for free!! You “pay your way” by putting in the time. In most cases, your other children can do it too.

Organize your own tailgate parties with your kids’ friends or classmates and their families. If everyone is sharing the load of bringing snacks and blankets, it will be a great time for all involved. It’s a great way to get to know other parents that share many of the same burdens (and triumphs) as you do. There’s something very unique about the experience of having teenagers. As many children grow independent of their parents, this is a time to spend with them that all can enjoy. It’s family time, but also good, clean fun with their friends, which makes for awesome memories for their scrapbooks and yearbooks.

If you have a fall/winter sport athlete or band member, the other families who have these students become your extended family, especially during the active season. You’ll share the joy of attending the events, but also the fundraising aspect of it. I encourage you to work just as hard as your student does on those fundraisers. The time you spend helping them raise money, the less you’ll spend out of pocket for these activities. They help offset the costs of uniforms, instruments, tools and trips for the team.

Also, organize a weekly snack and dinner schedule and divide it among all team members. My daughter’s team did this and it works well because of all the weeks you might need to provide a snack or dinner before a game, your family will only be responsible for one, maybe two, but the schedule benefits ALL of the team members. It’s a win-win for all and a financial lifesaver!!

Now, the parties or dances. As a parent who has already experienced this, I promise…It’s not a big deal!! Homecoming is not nearly as important than say, Prom. Save your money for the big deals and use what you have for the small ones. From experience, my daughter’s homecoming dress was always a recycled wear; a dress she already had. I can’t really remember all the years (though I know I didn’t buy anything), but her sophomore year, she wore a dress she had from Jr. high. Her senior year, she wore a hostess dress from her Sweet Sixteen party. She had three outfits for that event and this one was the one she simply greeted her guests in. It was cute, comfortable and most importantly….already in her closet.

For your son’s, anything he’d wear to church is absolutely fine for Homecoming. A nice dress shirt with a tie and sweater vest and some slacks will do. If he likes suits, let him wear his favorite one, but renting one, should be out of the question. This time of year is more about fun than fancy, so save your dollars for the high school moments at will truly matter. If you do everything over the top for their freshman or sophomore years, what will they have to look forward to when they are seniors?

Lastly, there’s no need to spring for fancy dinners either. Have a home cooked meal and invite over your teen’s date to eat before they go. They will be satisfied and given the energy they need to boogie down at the dance. If they have a snack attack, they are covered because if they paid for tickets, then there’s going to be snacks and punch for them to eat while there. Side note: if you’re looking to chaperone, PTA is your answer there too. You can help provide and serve food or work the coat check (that was my job back then).

You see, there are so many ways to let your teen be a teen and have fun in a frugalicious way. As long as you’re focusing on the enjoyment of these events, they are not going to be concerned about how much it cost. Hope this helps all my Belles and families out there!! Have an awesome football season!!

Frugalicious Diva

Follow me on Twitter at @FrugaliciousDva

The Frugal Files: Couponing Tricks of the Trade!!

Welcome back frugalicious ones!!

This week in The Frugal Files we’re going to chat about some couponing tricks of the trade. I’ve now been a couponer for a little over nine months and it has really had an impact on my life. I post a lot of my deals and steals on my Frugalicious Diva Facebook Page, but I still don’t really consider myself an Extreme couponer, just a frugalicious diva who likes to save money.

Couponing has allowed me to try new foods, drinks and beauty products, learn how to clean and do things around my house both naturally and on my own and it’s also allowed me to get beaucoup free items; items that my family uses and items to share with family, friends and non-profit organizations. It really is a way of life and I’ve learned a great deal in this coupon journey. Today, I just want to share a few more of the tricks I’ve learned. So, let’s dive in. Here’s my semi-professional advice to those getting into the game.

1) Keep it Simple…and cheap. One famous couponing blogger gave this advice, as she does it herself. Buy ONE newspaper. Look through it and find out, based on the sales, which ones you will be using. Now, if you can get others to give you their coupons, then great, but otherwise, use a coupon clipping service. She chooses the coupons she’ll need for the sales and orders the coupons online. She suggests the following sites:

Coupon Dede, Klip 2 Save and The Coupon Clippers  

They are not selling the coupons, but you'll typically need to pay an administrative fee and shipping costs. For a nominal fee, you usually get 10-20 of the same coupons. It seems to work for many. I haven't ventured into this, as my family is small, but I've heard great things. I used my local couponing groups and we share coupons. I like it free.

2) Go Small. Oftentimes coupons have no size restrictions. In that case, the smaller items are typically the best way to get items super cheap or even free. Take a look in the trial size section of your favorite stores and see if you can get that product for free. Remember, those coupons are always floating out there, if it's your favorite item and you want more (because the small one runs out too quickly), then refer to #1 and use the clipping service to get more of that coupon. Free tastes and feels good!!

3) Rip off the store...coupons. That's right and it's not illegal. There are coupons throughout the store that you can literally rip or tear off the shelves. They are called Tearpads. They add great savings to your shopping trip and are most often Manufacturer's Coupons, which means you can use them at any store, not just the one you're in. So next time you're scanning the aisles, look for these frugalicious nuggets and go save.

4) Take advantage of others'...negligence. I used to think other people were so lucky to find money randomly and I never did. Now, at the grocery stores, especially, I see people drop or leave money just laying around all the time. If you're not a couponer, you may not recognize that coupons are indeed money, but they are. Sometimes people don't pay attention to the coupons that print along with their receipt and leave them behind. If you see them in carts or left at your register, take them and use them. After all, it's just money left on the ground.

5) Let your money make money. With or without coupons, you can make your money do just that on your shopping trip. Ever heard of a catalina? Well, get acquainted because this is free money to use again and again. This is when you purchase a certain quantity of a certain product and the store or manufacturer awards you for getting their product. They give money back to you to use at that store. If you're using coupons with your order, you're just sweetening the deal. The good thing about catalinas is that they often "roll", meaning you can do the deal over and over and keep getting more money to spend.

I usually let them roll 1-2 times and I take the last catalina to purchase items for which I have no coupons. In a recent cataliina run, I got my catalina items, used coupons, paid out a little and got back my catalina. Then I turned around and got brown rice, ketchup, cotton balls, eyeliner, nail polish remover and even ground turkey, ALL FREE!! You are certain to walk away with several items for FREE, which is the absolute best part!!

Glad to have learned these things in my coupon journey and even happier to pass them on to other frugalicious divas!! Let's save Belles!! Feel free to share your saving stories with me on Facebook and Twitter!!

Frugalicious Diva
Follow me on Twitter at @FrugaliciousDva

The Frugal Files: Last Minute Tips of Summer

Good morning folks!!

I apologize for the delay in my blog, but sometimes life just gets in the way. Juggling careers, kids and homes, plus trying to maintain Diva status…I know you Belles feel where I’m coming from and it’s not easy, but very possible!!

Anyway, let’s jump right on in. Last week, we talked about how we can save money with our children’s schedules, demands and priorities during the school year. This week, we’re talking last minute things to do before the season changes and we’re hit with a full fledged Fall and Winter season. We’re already getting a few nippy days, so it’s time to get in gear so we’re prepared.

Garage Sale – it looks like it’s just warm enough to have that last minute sale to clear out the old before packing it up for the winter. Choose a nice weekend and it is one last shot to rid yourself of old junk. Decide what you’ll get rid of and give it away or donate at the end of the sale. You’ll hopefully make a few bucks and have less to handle inside your home. When you’re finished, take this opportunity to switch out your fall/winter wardrobe. Launder your spring/summer clothes and put them away.

Frugal Tool Tip: Donate leftover garage sale items to a good cause and get a tax deduction slip to use against your taxes when you file next year.

Yardwork – the warm, sunny days are winding down, but it doesn’t mean we just let our lawns go by the wayside. It’s time to trim back those trees, so there will be less leaves and branches to be weighed down by snow. You don’t want the heavy branches to cause damage to your home or your neighbors’ homes. Also, get rid of your weeds, spray some weed killer and replace mulch if you need to. This will allow for you to keep down the weeds in the future and keep the ground covered and secured for the colder weather.

Frugal Yard Tip: Use a natural, cheap weed killer. Just heat up 1-2 bottles of vinegar (the 16 oz is good size), pour into a clean spray bottle and spray in areas where you want the weeds to be gone. Then lay the mulch to smother any that will try to come up.

Project Stockpile – it’s going to be cold soon, which means it’s time for heartier meals. Consider cooking in bulk and freezing for easy dinners for the entire week. The weather may begin to prolong rides home from a child’s practice, work or other extra curricular activities and you don’t want to waste money by stopping for fast food or take out every night. The better you prepare now, the easier it will be to ease into the weather change.

Frugal Stockpile Tip: The soup and hearty meal coupons are currently in rotation. Look for the sales to correspond with your coupons and start stockpiling food that will keep you warm in the winter and will limit your need to have to go out in inclement weather.

Get Your Tools – along with the seasons changing, your gear and tools change too. Now is the time to begin gathering and dusting off what you’ll need for the next several months. Get your rakes, shovels, rock salt, snowblowers, winterizer window treatment kits, storm windows (if you take them out) and tarps to cover cars, boats or in my case, patio screens. If you hire someone to take care of your winter lawncare, make sure you have their number on speed dial and they are ready to assist you when you call.

Frugal Tool Tip: Change your furnace filters. It’s a good idea to change them every three months (or even earlier if you have pets), so this is your reminder.

I hope these four tips will help make the transition to the next couple of seasons easier for you. We all have so many things to worry about, it’s always nice when we can be prepared. These tips are to keep down the stress in hopes you have a great Football season!! Shout out to our beloved Editor-In-Chief, Aja B. Stubbs, who LOVES her Jets!!

Until next time, stay Frugalicious!!

Frugalicious Diva

Follow me on Twitter at @FrugaliciousDva

The Frugal Files: High School, not High Priced

Hey frugal folks!!

It’s that time again!! Today in The Frugal Files, we’re going to give parents some tips on how to keep the fall frugal even though the kiddies, big and small, are starting to get busy-bee lives. Where does that leave you as a parent? Running right along with them and you’re probably in the driver’s seat…literally.

The other day my cousin updated her Facebook status with the mixed emotions of pride and wide-eyed awareness that she is now the parent to a high school freshman. I chuckled as she came to this realization as I remember that moment of truth too. It’s one thing to have children at home that are in activities, have different styles and tastes for certain foods. It’s a completely different thing when one or more of those children reach the throne of High School kingdom. That is a completely different ball game, and sometimes that’s literal too.

We’re no longer talking pee-wee leagues, we’re now opening the conversation for reputations, dances, dates, high profile games, competitive extra-curriculars and debates, both at school and at home. This is just the beginning. Of all the things that can happen in high school, we’re going to focus more on the financial aspect of it.

I used to think, once children got out of diapers, it would be less expensive for them, especially if you were no strangers to hand-me-downs. I was naïve because though it may feel like less because you get in a groove, a student starting high school, is like starting the baby process all over again. Clothes and tastes get more expensive and the activities they take part in get more aggressive. So, how can you survive the inflation of a high schooler and in some cases, even a jr. high schooler? Let’s just take a look and see. I’ll share with you with I’ve learned, done and watched others do.

Join the PTA. What is that? It’s the Parent/Teacher Association. I recommend it for numerous reasons. One, you’ll get to know the culture of the school, which includes the administration, the teachers, the principals and other students. When you’re in the know, your student will most likely do better and when he/she does better, there’s an increased level of confidence and self-esteem. These are important during these years.

Another reason to add this organization to your own resume is the volunteerism and connections you get to the other parents. You learn what others are doing so your student can be connected, but when you log your hours to help the school, you get the perks. Instead of paying $5.00+ for football or basketball games, volunteer to work the concession stand, so you can watch the game (and eat) for free.

Carpool. Yes, remember those soccer Mom days? It’s time to revisit those, but at the next level. Many families now have two working parents, or working single parents. Another reason PTA is good, is for the networking. If your kids attend public school, many live around the same area, so work out a drop off/pick up schedule for school and school functions. Get to know your children’s friends AND their parents. It will make it easier to get them all here and there. It’s also about creating and maintaining that village that raises our children.

Here’s another idea, turn your parent network into a small couponing group. This is especially helpful if you have athletic or band students. They are forever needing snacks and the coaches can’t always take care of that, so as the parent group, pitch in and save on everyone’s pockets.

Think Second Hand. It’s time for dances and parties and such. It can get expensive if your child is popular or always wants to be the life of the party. My rule of thumb with my daughter, save the “big buck” stuff for Senior Year. It will mean more to them then and they’ll have something to look forward to. So, until then, go second hand. That can mean borrowing a dress or suit, wearing something they already have, using a dress or suit drive (which is more prominent around Prom time), or my personal favorite…Plato’s Closet. They are all things teenager and the best part is they can make a little money on the gently used clothing they no longer want.

So, my advice to parents of those hitting the high school scene is to keep it simple, use your resources and save where you can. I promise if you save now, you’ll be in better shape for those Sweet 16 parties and the ultimate party: Prom. Until next time, stay frugalicious!!

Frugalicious Diva

Follow me on Twitter at @FrugaliciousDva

The Frugal Files: See Yourself, Saving Yourself

Hey frugal folks!!

Welcome back to The Frugal Files with your host, the Frugalicious Diva!! I thought about continuing on with another Substitute to Save post, but thought the three posted were good all their own. Furthermore, I thought it would be good to just be a bit transparent with everyone. Today’s blog is really a chastisement for myself, but if anything I speak about applies to you, consider yourself whipped too.

It’s just been a whirlwind in my life for the last few months and it’s been an emotional roller coaster. So many things in my life are in transition and as we get ready to change seasons, it’s good to talk about these things from time to time. Some days are up, some are down and some things have been down right depressing…financially, physically, emotionally, romantically…

You all know I’m very much into affirmation and speaking positively about our lives. Sometimes it gets hard out here. Don’t you agree? Moping and crying, although MAY feel therapeutic then, will not help the situation get any better. Trust me…

Anyway, I’ve done a little studying on Feng Shui and have even arranged some of my home areas around for maximum “chi”. Unfortunately, life gets in the way and when you don’t take the time to pray and meditate and all the other positive things you need to in order to keep sane, the stress catches up to you. When it does, it can manifest in many different ways.

For me, the manifestation came in the form of my lawn and yard areas. I took a shortcut last year, which proved to not be frugalicious at all!! I allowed an ex-boyfriend to tend to it, under the guise that he knew what he was doing. Not!! Where I previously just had a few weeds here and there, became a forest for Barbie and Ken. Ridiculous. So, I started pulling weeds monthly, enlisting my daughter only sometimes (she was not with it).

After months of doing this, and the rain made it 10 times worse, I was irritated every time I drove up and every time I left my home. I felt anxious, helpless, angry and like the weeds, out of control. I was started to realize, it was mirroring my own life. After begging people to help me, even calling the culprit out to “clean up what he messed up”, having him come for the “consultation”, but not show up for the actual job, finally, I decided I’ve had enough!!

I am not helpless and I will no longer live this way. I DECIDED that THIS week, I would get myself together; ALL the way together. I don’t know where I fell off, but I’m getting back on immediately. It’s what our affirmations are all about; speaking life into your situation, your circumstances and your life!! I challenge you to find out what your surroundings are saying about you and act on it today!! I don’t know where you need to start, but I needed to start in my yard and I did.

I went to a cousin, who previously mentioned how great her lawn guy is. I told her to give him my number because I had work for him THIS WEEK. He called and he took the tour of my domestic jungle and we made a deal. He came back the same day to tackle the front lawn. I am so grateful and pleased. I will sleep better knowing I’ve accomplished something. I haven’t completed all the assignments to get my life back on track, but at least, I’m back on the road and in the right lane. I hope this inspires you to do the same. We know better and we can do better!! We can live our best lives!!

So here’s an affirmation for the road:

“Spirited resolve moves me toward my own goals 
with confidence and determination."

Until next time,

Frugalicious Diva

Follow me on Twitter at @FrugaliciousDva

The Frugal Files: Substitute to Save: Re-Purpose Round Up!!

Hey frugal folks!!

We’re back in The Frugal Files; our Substitute to Save series. This week while thinking about what to write, so many ideas came to mind. So many, in fact, I declare this week our Re-Purpose Round Up!! From Fashion to Home, I’m going to share some ways either people I know or I myself have re-purposed our belongings. You’re bound to find something that works for you!!

Accessories

* Turn your old jewelry into treasures again. Make necklaces bracelets or ankle bracelets. If the bangle doesn't fit or you don't like your hoop earrings anymore, use them on your wall as drapery holders. Or on your formal table, use them as napkin holders. Be creative; paint or bedazzle them for added sparkle.

*Do you remember shoe clips? Still have some? Guess what? They double as hair accessories and clothes accessories. Jazz up a plain blouse with a clip and strut yourself to work or into your business meeting!!

Beauty

* Always the bridesmaid and have beau coup dresses? Go from bridesmaid to Beauty Queen. I had a gorgeous gown from a friend's wedding. It was the color of wine with a bodice top. It had a shawl, that I turned into puffy sleeves and used it as a pageant dress. No need to buy ANOTHER dress I'll never wear again. I just used what I had and I suggest you do the same with yours. Give them another life!!

Coupons

* I helped a friend declutter her daughter's old room and ran across last year's school binder. It had a zipper, plenty of space and just by chance, it was time for me to upgrade my coupon binder. So instead of putting it in the freecycle pile, she gifted it to me!! Score!! Free and Re-purposed; from studying to storing, and of course, SAVING!!

* You know, your picture photo album, with no pictures, can also be used as a coupon book to keep your coupons in. I've seen this method and it's very easy to find and store coupons!!

Food

* Have a hankering for Sloppy Joes tonight and you're out of Manwich? Well, never fear, other condiments are here!! Make your own by mixing ketchup and mustard together with your meat. Add a few diced onions and voila!! Like them a sweet? Use barbecue sauce instead of ketchup. Another tip: if you're running low, tap into your restaurant condiment stash.

* Want it grilled, but no charcoal? Skip the outside and pull out your Foreman grill. It will give you the grilled taste without the heat or the expense of full fledged grilling!! It will grill ANYTHING!!

* Looking for a tasty, decadent dessert without the extra calories? Substitute Greek yogurt for your beloved ice cream. You still get a great dessert and it's healthy!!

Holiday

* If you keep your old Christmas cards in a bin in your basement. Arrange them, take a picture and tear (or cut is you're neat) in half. Use them as holiday postcards to send to family and friends. It's a frugal and easy way to spread holiday cheer.

* One of my coupon friends is planning to do this next one. Remember that old chandelier? It may be  outdated for your home, but not for a festive outing. Clean it up, polish it and paint it for an elegant wedding or birthday cake/cupcake holder. It's the most creative thing I've seen in while!!

Home

* Towels are expensive, so even when it looks like they are dead, be sure to breath new life into them. Designate them as your pet only towels or specifically for when getting your car washed. If they are a great terry cloth, cut them up to use as your dusting rags. No need to buy disposable when you have plenty of terry at home.

* If you just have some general craft stuff laying around, see if there's an art business that will use your recyclable art. Here we have a place called Scrap for Art and they are the re-purpose gurus when it comes to anything art related.

* Lastly, if you're a couponer like me, then you have boatloads of toothpaste in your stockpile. (I currently have 30+ and I donate monthly). This is my FAVORITE article on re-purposing a household item. Look just how many times you can re-purpose toothpaste!! Check it out: Endless Ways to Use Toothpaste

Hope you found some ways to use and reuse what you already have!! Save on everything you need in life by just looking at it a different way; re-purposing your stuff!! Share your re-purposing adventures with me on  Facebook or Twitter!! Until next time!!

Frugalicious Diva

Follow Me on Twitter at @FrugaliciousDva