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Do Life DifferentDo Life Different
Work-at-home mom: take a deep breath and Do Life Different as you allow these devotions for work-at-home moms to fill the vacuum of your needy heart in the chaos of your busy world.
 
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Archive for CWAHM Blogs

Apr
29

101 Tips to Help Your Budget (and YOU) at Home – #76, 77 & 78

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101 Ways to Help Your Budget and You at Home

76. Consider Your Paper’s Worth
“If you are getting a Sunday paper, USE the coupons inside!! Since the value of coupons have gone down significantly, I cannot in good conscience recommend getting one or multiple newspaper subscriptions for coupons alone. The savings should be factored in with the amount spent on the subscription; if your newspaper subscription (that you would not otherwise get) is costing you more than you are saving with the coupons inside, than it is NOT saving you money!”

– Anne Bennett
www.momsdrivenfromwithin.com

77. Do Some Research
There are lots of ways to lower household bills, including your grocery bill. Do some research online to find ideas of what other people have done to lower their bills. Here’s a starting point – a great article I found on 25 Ways To Lower Your Grocery Bill.

78. Check Your Mortgage Insurance
When you purchased your home, you may have been required to pay for private mortgage insurance (PMI). However, when your loan balance hits 80% you can request that this be terminated. Check with your lender to see where your loan stands.

 

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Apr
26

101 Tips to Help Your Budget (and YOU) at Home – #73, 74 & 75

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101 Ways to Help Your Budget and You at Home

73. Challenge Property Taxes
The National Taxpayers Union says that more than 30% of homeowners may be paying more property taxes than necessary. They advise to study your property assessment for any mistakes and, if necessary, file an appeal with your local assessor.

74. Use Your Freezer
Think ahead and buy extra bread, hard cheeses, fresh fruits and vegetable, and meat. These can all be frozen and used at a later date.

75. Find store coupons
“Most big box grocery and retail stores have their own coupons only redeemable at their chain of stores either available online or on location at their stores. Some stores allow you to used these in ADDITION to manufacturer coupons for a single item, this is usually referred to as “stacking” (i.e. a $.50 Target coupon for Brand X jelly could be “stacked” with a $.75 manufacturers coupon for Brand X jelly, making the total savings per jar of jelly $1.25.)”

– Anne Bennett
www.momsdrivenfromwithin.com

Bonus Tip From a reader: “Save Water. Shower with your husband!” LOL!

 

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101 Ways to Help Your Budget and You at Home

70. Teachable Moments
“Teach your kids to save money. They too can cut coupons and watch for sales on their favorite toys or clothes.”

– Tricia Kongos

71. Replace Your Bulbs
According to statistics, if you replace just five often-used lights in your home with superefficient compact fluorescent bulbs, you’ll see a noticeable drop in your electricity costs.

72. Print out coupons
“ If you don’t have or want a newspaper subscription, this is perfect for you. A plethora of coupons are available online at RedPlum.com, SmartSource.com, and Coupons.com just waiting to be printed out and used! Remember when your doing this to factor in the cost of ink and paper into how much you are saving. If it’s costing you more in supplies than you are saving at the register, you are NOT saving money.”

– Anne Bennett
www.momsdrivenfromwithin.com

 

 

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Apr
22

101 Tips to Help Your Budget (and YOU) at Home – #67, 68 & 69

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101 Ways to Help Your Budget and You at Home

67. Bulk Tickets
Movie tickets are costly, so check with your local theater to see if they offer bulk options. Many theaters offer blocks of tickets at a discounted rate.

68. Digital Coupons
“Digital coupons are amazing, you don’t even have to clip them!! Just load them onto you store reward card and swipe the card a checkout! Be sure to check to make sure the correct amount is deducted from your total, even computers make mistakes.”

– Anne Bennett
www.momsdrivenfromwithin.com

 

69. Tax Savings
CWAHM reader Tricia Kongos offers this tip: “Save money on Income Tax preparation fees. The IRS has some offers on their website: http://www.irs.gov/uac/Free-File:-Do-Your-Federal-Taxes-for-Free.”

 

 

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Apr
19

101 Tips to Help Your Budget (and YOU) at Home – #64, 65 & 66

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101 Ways to Help Your Budget and You at Home

64. Shop Full
CWAHM reader Tricia Kongos remind us, “Do not grocery shop while hungry.” It’s amazing how much extra food we think we need when we go grocery shopping with an empty tummy. Instead, buy groceries right after a meal – you’ll get exercise and buy less.

65. Barter
Why pay for things when you can barter? If you have a product (maybe you make your own candles or jewelry) or service (administrative work, cleaning services), you can many times trade those things with others. A win-win situation!

– Anne Bennett
www.momsdrivenfromwithin.com

 

66. Find Energy Leaks
If your house has drafty windows, doors, etc, you are most likely paying extra for heat or air conditioning that is leaking out. Look into buying a thermal leak detector to find out where those leaks are occurring. You will have to pay for the product, but cutting your bills long-term may just be worth the expense.

 

 

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Apr
17

101 Tips to Help Your Budget (and YOU) at Home – #61, 62 & 63

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101 Ways to Help Your Budget and You at Home


61. Check Your Credit

CWAHM Reader Tricia Kongos advises that people, “Obtain a free annual credit report: http://www.annualcreditreport.com. Check your credit report for any errors and be aware of identity theft.” Being aware of what is appearing on your credit report can save you time, money and headaches.


62. Swap it

“ Find or organize a swap meet! You don’t have to limit it to clothes…think outside the box!”

– Anne Bennett
www.momsdrivenfromwithin.com

 

63. Shop Around
Before you hire someone for home repairs or take your car somewhere for repairs, take the time to get several estimates. Make sure that the estimates includes both parts and labor costs. Don’t be afraid to ask for savings and/or reduced pricing.

 

 

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Apr
15

101 Tips to Help Your Budget (and YOU) at Home – #58, 59 & 60

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101 Ways to Help Your Budget and You at Home

 

58. Shop Substitutes
CWAHM Media Director Roshanda Pratt offers up an idea that she often uses, “Buy store generics or use alternatives.” Consumers often pay extra for brand name items when generics and substitutes often have the same ingredients. Check the labels , compare the prices and purchase accordingly.

 

59. Get a Plan
CWAHM reader Tricia Kongos shares that one idea she has instituted in their house is to, “Make a menu and shopping plan each week and stick to it.” When you plan out a menu each week, you can then plan out your shopping list as well. This will save both time and money.

 

60. Join a co-op!
“You can usually find co-op for everything from fresh fruits and vegetables to cloth diapers to kid’s items! Do your homework and make sure the co-op is legit and there are not an undo amount of fees, because there are people out there who run co-ops and are out to make a profit, but there are good ones out thee too! You can even find them on Facebook!”

– Anne Bennett
www.momsdrivenfromwithin.com

 

 

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Apr
12

101 Tips to Help Your Budget (and YOU) at Home – #55, 56 & 57

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101 Ways to Help Your Budget and You at Home


55. Shop at Home

CWAHM reader Tricia Kongos shares that she often challenges herself to shop from her own pantry for dinner ideas. It’s easy to think “there’s nothing here to eat” when in reality, our cupboards are packed full. Challenge yourself once a week to use what you have on hand to create a meal.

 

56. Buy Used
“Buy used wherever you can! There is no shame in buying clothes from a second hand store. Heck, there’s some really nice stuff in a lot of them! The same can be said for shoes, furniture, home decor, movies, video games and systems, sports equipment and whatever else you can think of! I’d say a good 50% of items in my home are second hand. Clothes would be close to 80% (especially my kids!) and all of my kids have at least one pair of second hand shoes. Remember, second hand does not necessarily mean shabby-almost all of the second hand stuff I get is name brand-most people are surprised that it is second hand! Also remember that consignment stores are not the only place to get gently used items; I’ve found the internet and social media sites to be great resources for this!”

– Anne Bennett
www.momsdrivenfromwithin.com

 

57. Find Cheap Gas
There are websites (gaspricewatch.com) and apps (GasBuddy) available today that can help you find the lowest priced gas in your area. It’s also advised to fill your tank early in the week – gas prices tend to raise as the weekend approaches.

 

 

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Apr
10

101 Tips to Help Your Budget (and YOU) at Home – #52, 53 & 54

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101 Ways to Help Your Budget and You at Home


52. Stay In

CWAHM reader Tricia Kongos encourage us to save money by having a “family pizza and a movie night at home instead of going to the theater.” Or consider a family game night or other at-home activity instead of going out.


53. Know What You Use

“Buy only what you will use. The Shredded Wheat may be on sale, and you may have a coupon that makes it $1, but if no one in your house will EAT it, don’t purchase it!! If you have the extra $ in you budget to purchase it, DONATE IT!”

– Anne Bennett
www.momsdrivenfromwithin.com

 

54. Go Easy On Oil Changes
I recently read an article that quoted Philip Reed, senior consumer advice editor at car site edmunds.com as saying that because oil today is so much better than it was in the past, the old guideline to change our oil every 3,000 miles doesn’t apply today. According to Reed, a safe bet is “7,800 miles or longer.”

 

 

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Apr
08

101 Tips to Help Your Budget (and YOU) at Home – #49, 50 & 51

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101 Ways to Help Your Budget and You at Home

 

49. Shop Around
CWAHM reader Tricia Kongos share her tip to shop sales at different grocery stores and stock up on those sales items for future use. You may have to visit several stores, but if you use your time wisely, you can get some great deals and make it worth your while.

 

50. Budget
“Make a monthly budget!! If you don’t know the magic number of how much you spend each month on food, clothing, gasoline, car washes, eating out, etc., you’ll never know where you can trim the fat and save money! You might not realize that your family spends $400/month on fast food and restaurants until you take the time to add up each transaction!! Then you can decide if that’s a reasonable amount for your budget or if you need to lower that amount! It’s so much easier to SAVE money when you know WHERE it’s all going!”

– Anne Bennett
www.momsdrivenfromwithin.com

 

51. Make Groceries Last Longer
CWAHM reader Jan Wolfe shared this link (click here) to an article with thirteen tips to help you make your groceries last a bit longer to save you some extra cash.

 

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