How I Saved My Financial Situation From Savings.com

So did I mention I am in New York City?  Hopefully I haven’t gotten lost, misplaced my wallet or injured myself  (I am writing this on Tuesday evening). 

I am attending the Save Up 2011 Conference with a bunch of bloggers- half of which I still get giddy around because I am a huge fan.

Make sure to also tune into the Savings Story live streaming session on the Save Up Ustream page at 4:15PM ET today to hear some of the DealPros’ stories live!  You don’t want to miss all the fun planned!

We are supposed to share our Savings story with you but mine has been laid out for you many times so I thought I would share my five simplest tips for saving money!  These tips (plus alot of hard work and having multiple jobs) allowed me to pay off almost $20,000 in student loans in 12 months and be debt free (except my mortgage). 

1.  Pay for everything with cash.   Did you know on average people spend 12% less when they spend cash?  If you do your shopping with cash (clothes, food, electronics) you most likely will spend less if you have to give them the green instead of swipe a card.

2.  Make a shopping list.   You have GOT to have a plan when you shop, whether you are shopping for clothes or for groceries.  If you can’t walk out of Walmart or Target without spending over $100 you probably need to make some changes.  Create a list before you leave the house and then do NOT deviate from it.  You can do it!

3.  Start saving something.  Studies have shown that people experience SIGNIFICANT stress when they do not have a savings account.  Women especially NEED to feel that security that is something happens you have that cushion.  Even if it just $5 a week you will have over $250 at the end of the year. 

4.  Do not go into debt for holiday shopping.   Your friends and family do not want you to go into debt for their gifts.  If you have big plans for a gift either start saving now or decide on something else.  It’s not worth starting the New Year with regret.

5.  Start teaching your kids about money.   Start teaching your children the value of a dollar now.  They are going to be one of your biggest expenses.  And if they don’t learn their lessons now, they will be living back with you later in life still trying to figure it out!

These simple steps can help make some BIG differences in your life!  And not one of them involved a coupon!

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It is important to note that this blog accepts forms of cash advertising, sponsorships, paid insertions, or other forms of compensation. The compensation received will never influence the content, topics or posts made in this blog. All opinions stated in this blog belong to its author and no one else. I will only endorse products, companies, and services that I have found worthy of my time and opinion. A Frugal Chick is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to www.amazon.com.


Kids Frugal Fun- Egg Carton Pumpkins


Each week Mom on Dealz brings you a craft that is fun, educational, and frugal. This Friday is World Egg Day and since I love using recycled materials in crafts, I thought “Why not do some crafts with egg cartons?”  Be sure to read to the bottom where there are egg related educational activities you can do with your child based on the standards of learning.

Egg Carton Pumpkins
Materials:
Egg Carton
Paint/Markers
Pipe cleaner or some other type of green material for top
Glue

Directions:
1. Cut out 2 egg slots out of an egg carton.
2. Paint or color the 2 slots orange. Allow to dry completely.
3. Put one slot upside down on the other one and glue them together to form your “pumpkin”.
4. Poke a small hole in the top to insert your green material to create the pumpkin stem.
5. You can leave your craft plain to decorate your home with little pumpkins, or have your child decorate it to look like a jack-o-lantern.

Educational Activities:

  • Science-Kindergartens are to identify the 8 basic colors. We didn’t have orange paint so we had to combine red and yellow to create orange. We were able to discuss color mixing, as well as when you mix 2 liquids, you still get a liquid.
  • Math-1. Hard boil eggs and have fun measuring how far you can roll them. You can use standard measurement (rulers, tape measure, etc) or non-standard measurement (feet, hands, shoes, toys, etc). 2. We used triangles and squares for our jack-o-lantern face and reviewed other shapes as well.
  • Social Studies/History-Hard boil some eggs and have an egg hunt around your home. Egg hunts are not just for Easter! You can draw a map for your child and have them practice map skills/directions.
  • Language Arts-Teach your child the nursery rhyme “Humpty Dumpty”. Reciting nursery rhymes is a big kindergarten skill!
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It is important to note that this blog accepts forms of cash advertising, sponsorships, paid insertions, or other forms of compensation. The compensation received will never influence the content, topics or posts made in this blog. All opinions stated in this blog belong to its author and no one else. I will only endorse products, companies, and services that I have found worthy of my time and opinion. A Frugal Chick is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to www.amazon.com.


FREE Mini- Coupon Class


A Frugal Chick, Momondealz, and The Coupon Challenge are offering another coupon class at Harris Teeter! This class will be a bit different since we are nearing the holiday season. Here are just a few of the exciting and money saving topics we will cover:

  • Sources of coupons
  • Harris Teeter coupon policy
  • Saving Money on Holiday cooking
  • Saving Time on Holiday cooking

The class will be October 27th 6:00-7:30 and the cost will be $3 which will reserve your spot. When you arrive, you will receive your money back via a $3 Amazon giftcode (in coupon math that makes it FREE) !!

You can also bring any unwanted coupons to swap with other attendees and get some more for your own use! If you are interested in attending, please email hrcouponclass@gmail.com to register. We look forward to meeting you!

The class will held in the Harris Teeter located at 3333 Virginia Beach Blvd. Virginia Beach, Va. 23452.

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It is important to note that this blog accepts forms of cash advertising, sponsorships, paid insertions, or other forms of compensation. The compensation received will never influence the content, topics or posts made in this blog. All opinions stated in this blog belong to its author and no one else. I will only endorse products, companies, and services that I have found worthy of my time and opinion. A Frugal Chick is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to www.amazon.com.


Start Spreading The News, I’m Leaving Today


As you read this post (if everything goes according to schedule) I am in New York City riding a shuttle bus to my hotel. 

I am in town for Save Up 2011 with Savings.com to learn how to be a better blogger, deal finder and business woman.  There are some incredible bloggers here that I talk to every day but only see once a year.  So this is sort of a family reunion.

I am going to be putting pictures up on the facebook page (hopefully) throughout the trip so you can see what’s going on.  Fortunately since I am with a bunch of bloggers they won’t think anything about me posting during the day so you may not notice too much that I am gone.

But I am also going to do some sight seeing and take in a show so if you e-mail me or leave comments it may be a few days until you hear back from me!

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It is important to note that this blog accepts forms of cash advertising, sponsorships, paid insertions, or other forms of compensation. The compensation received will never influence the content, topics or posts made in this blog. All opinions stated in this blog belong to its author and no one else. I will only endorse products, companies, and services that I have found worthy of my time and opinion. A Frugal Chick is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to www.amazon.com.


Locals: Fun and Frugal Weekend Activities 9/7 -9/9

Each week Charlotte at My Active Child provides us with a list of the best fun and frugal activities in Hampton Roads. 

All Weekend

North American Sandsculpting Championship- 4th-10th Streets, Virginia Beach Oceanfront, $3 fee is donated to charity with kids 12 and younger admitted free  

Suffolk Peanut Festival – (Friday & Saturday 10am-11pm, Sunday 10am-7pm) Suffolk Executive Airport,1410 Airport Rd, Suffolk VA, Free Admission; Parking $10 per vehicle  

Friday

5-8pm- Party On The Plaza Concert Series at Norfolk Scope Arena Plaza 201 E. Brambleton Avenue Norfolk, VA 23510, (757) 664-6464  (Free Event). 

5-9pm- Thank Goodness It’s Friday! at TowneBank Fountain Park within Town Point Park Waterside Drive Norfolk, VA 23510 (757) 441-2345 (Free event) 

7-9pm- Princess and Pirates Party at Hilltop YMCA 1536 Laskin Road, Virginia Beach, VA 23451 (Free and open to the public) Call 422.3805 to register today    

8:30pm- Fantail Film Festival – The Goonies at Nauticus Pier, 1 Waterside Drive, Norfolk VA  (757) 664-1000  No reservations required. ($3 admission)  

Saturday
Phoebus Days- Ongoing Activities All Day Saturday in Multiple Locations 

10am-12pm- Lowe’s Build & Grow Workshop- (Free Event) Monster Machine at all Lowe’s Store Locations

10am-4pm- VB Farmers Market Harvest Fair (small fee for some activities) at Virginia Beach Farmer’s Market – corner of Dam Neck Rd and Princess Anne Rd, Virginia Beach VA 

10am-4:30pm- Naval Station Norfolk Fleet Fest (Free, Open to Public) at Naval Station Norfolk, Norfolk VA (757) 322-2337 

10am-5pm- SK8R Bash (Free, Open to Public) at Mount Trashmore Park 310 Edwin Drive, Virginia Beach, VA

11am- Saturday Morning Fun with Clifford (Free Event) at Janaf Branch Library 124 Janaf Shopping Center Norfolk, VA 23502  (757) 441-5660  

12-3pm- Second Saturday Family Day-  Chrysler Museum (Free Event) Chrysler Museum of Art, 245 W Olney Rd, Norfolk, Virginia 23510 (757) 664-6200 

1-3pm- The Crazy Pumpkin Event- Make It, Take It – ages 3+ (with purchase of pumpkin) at All participating Michael’s Store locations – 

2-4pm- Apple Festival at Lafayette Library – Lafayette Branch Library 1610 Cromwell Drive Norfolk, VA 23509 (757) 441-2842

7-9pm-  Observe the Moon Night – Night at the Museum (Free Event) at Virginia Air & Space Center 600 Settlers Landing Rd Hampton, VA 23669 757.727.0900  

Sunday

1-3pm Paper Bat Event- Make It, Take It – ages 3+ (Free) at All participating Michael’s Store locations  

2:30-4:30pm- Fall Festival at MEO Central Library (Free)  4100 Virginia Beach Boulevard Virginia Beach, VA 23452  (757) 385-0150

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It is important to note that this blog accepts forms of cash advertising, sponsorships, paid insertions, or other forms of compensation. The compensation received will never influence the content, topics or posts made in this blog. All opinions stated in this blog belong to its author and no one else. I will only endorse products, companies, and services that I have found worthy of my time and opinion. A Frugal Chick is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to www.amazon.com.


Locals: Anna Cruz Consignment Children’s Winter Consignment Sale

We are so lucky in Hampton Roads to have large consignment sales to both sell and purchase gently used children’s items.

Anna Cruz Consignment is having their Children’s Winter Consignment Sale and Craft Show October 14th and 15th!  

The sale is on Friday from 10:00 a.m. to 8:00 p.m. and Saturday from 8:00 a.m. to 4:00 p.m. (so if you want to go by after work on Friday they will still be open.)  And the location should be convenient for many people-  3172 Azalea Garden Rd.Norfolk VA. 23513.

Here is what you can expect to find: Fall/Winter clothes sizes newborn through size 20 teen, children’s shoes, maternity clothing, dress up, costumes, uniforms, toys, books, DVD’s, CD’s and baby furniture.

Now I have to confess, I have never been to one of these particular consignment sales.  But the web site, consignment regulations and professionalism of the consignors have impressed me. 

So go check it out and then let me know what you find!

Click here to learn everything you could ever want to know about Anna Cruz Consignment and this great sale!

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It is important to note that this blog accepts forms of cash advertising, sponsorships, paid insertions, or other forms of compensation. The compensation received will never influence the content, topics or posts made in this blog. All opinions stated in this blog belong to its author and no one else. I will only endorse products, companies, and services that I have found worthy of my time and opinion. A Frugal Chick is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to www.amazon.com.


Coupon Class Open To The Public: Newport News, VA

If you live within driving distance of Newport News, VA I would love for you to come and check out one of my coupon classes!

On October 24th at 7 p.m. The Colony Friends Church will be hosting a coupon class open to the public.  Their address is 284 Colony Road Newport News, VA 23606. 

The class will last until approximately 9:30 and will be LOTS of fun!  The cost is $10 per person and it includes a workbook, a big table of coupons you can select from and possible door prizes!

I am not requiring people to pay ahead but I do need an idea of a head count.  So if you would like to attend drop me an e-mail using the “contact me” form above and I will get you on the list.

I am looking forward to meeting some more of my readers!  And a big thank you to Colony Friends Church for hosting!

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It is important to note that this blog accepts forms of cash advertising, sponsorships, paid insertions, or other forms of compensation. The compensation received will never influence the content, topics or posts made in this blog. All opinions stated in this blog belong to its author and no one else. I will only endorse products, companies, and services that I have found worthy of my time and opinion. A Frugal Chick is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to www.amazon.com.


Kids Frugal Fun: Columbus Day Ship

Each week I bring you a craft that is fun, educational, and frugal.

Next week is Columbus Day so Will and I decided to make a ship with things we found around the house. For past crafts, visit here.

Columbus Day Ship

Materials:

1 Sponge
1 Straw
Construction Paper
Marker/Scissors

Directions:

1. Cut the sponge into the shape your child chooses.
2. Cut 2 small holes into the sponge where the “masts” will go.
3. Cut the straw in half and put each half into each sponge hole.
4. Cut 2 triangles out of the construction paper and allow your child to decorate them.
5. Poke 2 holes into each triangle that the straw will “thread” thru.
6. Sail your “ship”.

 

Educational Acitivites:

  • Language Arts: Sing the nursery rhyme “Row Row Row Your Boat” while letting your child play with their craft. You can also teach them the rhyme “Columbus Sailed the Ocean Blue in Fourteen Hundred Ninety Two””. Rhyming words are a HUGE kindergarten skill.
  • Math: 1. Dicuss the shapes involved in this craft (paper triangles, straw is a cylinder, whatever shape you choose to make the ship).
  • Social Studies/History: Discuss with your child the reason we celebrate Columbus Day.
  • Science: Place the “ship” in the bath tub and have your child blow on it. Then measure how far the ship “sailed”. Discuss how their breath is like wind and that you can make things move without actually touching them.
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It is important to note that this blog accepts forms of cash advertising, sponsorships, paid insertions, or other forms of compensation. The compensation received will never influence the content, topics or posts made in this blog. All opinions stated in this blog belong to its author and no one else. I will only endorse products, companies, and services that I have found worthy of my time and opinion. A Frugal Chick is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to www.amazon.com.


Kids Frugal Fun- Fall Lacing Fun

Each week Mom on Dealz brings you a craft that is fun, educational, and frugal! Lacing activities are excellent ways to improve fine motor skills and kids love them!

Fall Lacing Fun

Materials:
Cardstock, Poster board, or Paper
Single Hole Punch
Ribbon
Scissors
Pencil, Crayons, Other Decorating Items

Directions:
1. Draw and cut out desired fall shape (football, leaf, apple, pumpkin, leaf, ear of corn, acorn, etc).
2. Punch holes around the edge of shape about 1 inch from the side and 1 inch spaced apart.
3. Wrap tape around each end of your ribbon to help make the activity easier.
4. Have your child lace the ribbon through the holes of the shape.

 

Educational Activities:
-Language Arts: 1. Write descriptive words or draw pictures of things you see during Fall (We practiced writing L for leaf on our shape). 2. Make up fun and rhyming Fall songs and sing them while your child laces. Then have them ID the rhyming words. Example given below.
-Science: Discuss weather changes that Fall brings and discuss the shapes and forms of the common natural objects of Fall (leaves, etc).
-Math: Create a pattern in the middle of your shape (such as circle, heart, triangle, circle, heart, triangle, etc).

Leaves around us falling down
Yellow, orange, and sometimes brown

Pumpkins, apples, and some football
I’m so very excited it’s time for Fall!

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It is important to note that this blog accepts forms of cash advertising, sponsorships, paid insertions, or other forms of compensation. The compensation received will never influence the content, topics or posts made in this blog. All opinions stated in this blog belong to its author and no one else. I will only endorse products, companies, and services that I have found worthy of my time and opinion. A Frugal Chick is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to www.amazon.com.


October & November Available Coupon Class Dates

Thanks so much for being patient as I sorted out my schedule for the next little bit.  I thought I was going to have an opportunity to get back into the theater for the holidays but it doesn’t look like the show is going to be a good fit for me so I will hang on until 2012. 

Meanwhile that means I can spend more time with you teaching coupon classes!

I am looking for people to HOST coupon classes.  These are not dates that I already have classes scheduled.  If you are interested in having me come to your home, church, community group or pretty much anything else I would love to talk with you about it.  You can find the info and how to contact me here

The dates available for October are the 1st, 5th, 8th and 19th.  It is first come first-served for these dates and some of them have classes pending but nothing confirmed.

I also have some dates available for November.  The ones currently available are November 2nd, 3rd, 4th, 5th, 9th and 12th.

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It is important to note that this blog accepts forms of cash advertising, sponsorships, paid insertions, or other forms of compensation. The compensation received will never influence the content, topics or posts made in this blog. All opinions stated in this blog belong to its author and no one else. I will only endorse products, companies, and services that I have found worthy of my time and opinion. A Frugal Chick is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to www.amazon.com.