Archives for April 2011

Extreme Couponing ~ How do These People Do It

April 30, 2011 | Leave a Comment

Have any of you seen the show Extreme Couponing on TLC? I’ll go ahead and admit that my husband and I are not great at using coupons, we aren’t even really good at it. We try to use them occasionally — but we either forget to use them, or we end up spending more than we wanted to, because we end up buying things we probably wouldn’t have purchased. It just never seems like there are ever coupons for the things we actually do use.

This is why, when I watched Extreme Couponing I couldn’t believe what I was seeing. How on Earth do these people rack up a $300, $400, $500 or even $1000+ grocery bill and get away with spending $40 or less? In some cases they even get money back! It is crazy!!! Not only that — but they shop in some of the more expensive grocery stores that we try to avoid — especially when we are doing our weekly grocery shopping.

The drawbacks of extreme couponing

As far as I can tell, there is a lot of research that goes into extreme couponing. The people who are master couponers — have to know what the coupon policies are for each store, they need to know what is on sale, what coupons can be double and those that cannot. Also, extreme couponers have to be very organized and most put in as many hours (or more) as you would at a full-time job! This is not an activity that you can do, and do in an extreme way, unless you are very dedicated and super organized. I think it also becomes a sort of game and in some cases an obsession.

In doing some research, I was disappointed to learn that one of the extreme couponers featured, has allegedly committed coupon fraud and apparently did so on the TLC show. I won’t go into all the details – because there are a lot of them – but if you want to read about it, visit Jill Cataldo’s blog.

Another thing I noticed – is that when they show the homes of most of these couponing people – they have their own little mini-mart set up. They just have so much stuff and it’s everywhere. My husband would seriously freak out if we had that much clutter around our house — but I get it, they are saving boat loads of money so it makes sense to buy 70 bottles of mustard at one time…right?

I’m not saying there is anything wrong with extreme couponing. I think it’s great! If people can do this (if they do so without committing coupon fraud, which I think is how most people do it), I think they are very smart and dedicated individuals.

It would sure be nice if there was a show teaching people how to properly and effectively use coupons, instead of a show where we just stare at the screen – eyes wide is disbelieve – as these super couponers work their magic. It probably wouldn’t be as entertaining though.

Since I’m not great at coupons, I don’t have any fantastic advice on the subject. Do you?

How do you use coupons most effectively? Do you buy a bunch of Sunday papers to get coupons? Do you spend hours searching for deals on line?

3 Ways to Cut Costs at Home

April 27, 2011 | 2 Comments

keep an eye on youe electric meter to save costs

Curtesy of CAPL

If there is anything any parent these days knows, it is that a family really needs to save to make sure that there is extra money for the things that really matter. The economic slump in my country has been the norm for many years now. Here, it really is a matter of how much you are taught, how skilled you are when you leave school, how much schooling you get and the kind of schooling you get as well, that will help you in carving out that great future for yourself and for your family by getting that high paying-high reward kind of job.

Now knowing this, know that education in my country is by no means cheap. There is public schooling much the same way there is in America wherein parents only pay a minimum amount for the education but, with the arguable exception of the State University High School, the quality of these schools is not good enough for a high paying job in the future. It is a cold, hard, unfortunate fact. Our schooling system is dying for improvements and the funding that will enable fantastic teachers to continue teaching…but that is another issue altogether.

That said, you can imagine how hard it is for parents to make ends meet. If you want quality anything, you have to pay- quality health care, quality education, quality housing. I do not know how it is in America but I do know that, in the United Kingdom for example, there is some support from the government. There is very little support for single parents as well (I think I have mentioned this before).

So, if you are a single mom like myself, you will want 1) a good paying job 2) still decent work hours 3) to live in a good area of the capital city or in a good area in any of the other major cities across the country 4) a good budget. These are all essential in the creation of a base that will allow for giving children the right education and rearing they need to succeed. Does it sound medieval? Victorian maybe? Well, again, it is the cold, hard fact of life.

So, there are ways to cut expenses in a household that may differ somewhat from what those people who live in the U.S. or U.K. know.

1. Cut on electricity as much as possible

In my country there is one electric company and this electric company seems to increase and give rebates on electrical costs when they feel like it (it feels a lot like increases more than rebates to be honest). This is also a tropical country so you really feel only one of two things- heat or humidity. There are air conditioners in almost every viable office and a lot of homes can boast of one air conditioner as well. Naturally there is the refrigerator and television. Aside from this, there are households- those of middle income earners mostly- that also use such items as a rice cooker, toaster, coffee brewer, washing machine and dryer, iron, and a microwave oven. One way to cut on electrical costs greatly is to cut out all the peripherals and to keep only the essential and to use these really only when absolutely needed. So, in my house, I have gone back to basics. I use the old-fashioned pot to cook rice, I hand wash most of the time, iron once a week for a couple of hours maximum, nix the brewer, toaster, and microwave oven. Air conditioning use is strictly regulated to 6-8 hours a day only, and the rest of the day being cooled by electric fans. I keep energy-saving bulbs and try to shut lights whenever possible. I can say this works because this brought my bill down from a 7000 bill to a 3800 bill.

2. Create a grocery list that reflects your budget and stick to this

I do my grocery once a month for most things. I think most people will agree that, when you buy in bulk, it is cheaper. So I get bulk cereal and oatmeal, bulk milk, bulk kilos of meat and fish, etc. The things I reserve for weekly purchase are easily consumed items like eggs, butter, tea, and vegetables. After experimenting with half month grocery shopping and weekly grocery shopping, I have found that this is the best way to buy food that will last, on a budget. Here we do not have coupons or discounts so every peso counts.

My kids, naturally, want everything every time I go to the grocery and this just isn’t realistically possible (I also really do not believe on giving them everything they want, every time and any time they want it). So I shuffle the items around a bit making the months menus very different. This way, I stick to the budget and the people in the house do not get bored. It is a trial for me to resist the urge to buy those perishables before the end of the week but sticking to the budget and the plan is a key element in making the whole thing work.

3. Save water

This is the easiest bit. This really just requires regulating your laundry days to three to four times a week. This is for many reasons. One, too much laundry at one time is taxing on the person washing. Two, the amount of water used for large bulks of clothes is a lot of water. Three, big batches of clothes may be too much for any extended clothes line to carry as well.

These are the three things I find I can control in order to have a budget that will include all the basic living requirements, the kids to go to good schools, and to have a family life as well however simple.

How do you cut costs at home where you live? Is it any different?

April Best Sellers on Audible

April 26, 2011 | Leave a Comment

As mentioned in my review of Audible.com a few months ago, I have grown to become a big fan. It’s been a great way to pass the time on long commutes to work. I alternate between a fun book for myself and a business related book to help me stay on top of things and it’s been working out well. I have also gotten a few great kids books that we play for the boys on long car rides.

I just got an email from them listing their best sellers for April and thought I would share: PopShops™ affiliate stores

Do you listen to audiobooks? Do you get them from Audible?

Press Release: Child Proofing Your Home Reduces Risk by 70%

April 25, 2011 | 1 Comment

In the wake of a new study that shows a clear link between babyproofing one’s home and a reduction in injuries to children, the International Association for Child Safety is reminding parents that a professional babyproofer can help them choose and install the appropriate products.

The study by researchers at Cincinnati Children’s Hospital Medical Center looked at two groups of families with newborns. One set had properly installed and maintained child safety devices in their homes. After two years of follow-up, babies and toddlers living in these homes had 70 percent fewer injuries requiring medical attention than did those in a control group with no child safety devices installed in the home.

Study shows Childproofing reduces child injuries by 70%

“The home environment is the most common location of injury for younger children,” said the study’s lead investigator, Dr. Kieran J. Phelan, in a medical center news release. “However, parents may not have the time, training or resources to obtain and install the best safety products.”

The International Association for Child Safety (IAFCS), a worldwide network of child safety professionals and babyproofers, has helped parents and caregivers do just that for more than 15 years. IAFCS has the first and only certification program for Certified Professional Childproofers®.

“This study just confirms what our members have known for some time – proper installation of appropriate safety devices can prevent injuries,” said Colleen Driscoll, Executive Director of the IAFCS. “Our members are trained and experienced in identifying hazards and installing top quality safety devices for even the most difficult-to-solve home hazards.”

Many parents need help choosing and installing child safety products, notes Driscoll. “IAFCS members are expert childproofers and are able to help make your home a safe place for your little one.”

Regardless of whether parents decide to use a professional childproofer, parents can reduce the risk of injuries in their home by following these safety tips provided by IAFCS. For more tips or to find a child safety professional in your area, visit iafcs.org.

Did you child proof your home when your kids were born?

Happy Easter!

April 24, 2011 | Leave a Comment

I thought I would take a quick break from Easter and wish you all a very Happy Easter. Hopefully the Easter Bunny visited your house and you had a day full of reflection and watching little kids hunt eggs, eat more candy than they should and just have fun.

3 Summertime Activities for Kids that Cost Almost Nothing

April 23, 2011 | Leave a Comment

It’s about that time of the year again when the sun is shining the brightest and hottest and kids of all sizes and ages are taking out their swim gear, bikinis, board shorts and goggles. In a tropical country, this may be a funny thing to hear but believe it or not, it is not always summertime in the Philippines. Yes, there are basically two seasons- wet and hot, but around this time of the year (March-May) the sun shines the brightest, school is out, and the kids are raring to be out of the house.

For my kids, the significance of summer vacation has not really hit home yet. They are preschoolers so school is a wonderland of books, crafts, stories, and songs. This is not yet that tough institution created to make knowledgeable and skilled individuals. This is still that enjoyable break from the possible monotony of home, a place to see friends and to talk to older, wiser, people who have so many fun ideas they want to implement. The challenge for me at this time of the year then, is coming up with creative ways to occupy the kids that are also informative and budget-friendly.

The fact that they are not yet so into going out of town to the beach or nagging me to go take that six hour derive to the mountain province that is a popular destination during summertime is a great thing because this means I have the freedom to think up things that are not expensive. So, here are the things I’ve come up with so far.
The old-fashioned games of kids

Remember way back when, when there were no Nintendo’s or PS3’s or X-boxes or Wii’s? Yes, there was a time before Atari decided to change it all for kids forever. During these times, the TV was just a box to watch a show on; Or a movie on Betamax or VHS. Back then, kids took their trusty bike’s or roller blades, or if they didn’t have either, a rock and a piece of chalk, and could pass the time in joyful, gleeful, outdoor play.

My favorite outdoor games were hopscotch, Chinese garter, tag, and hide and seek. I really think there is a lot to be said about these games and about outdoor play in general. I really believe it strengthens the kids physically, gets them in touch with nature, and really builds more character. Plus, the great thing about this is that there are so many places to go that are free. You can take you pick of parks, football fields, picnic areas, or even the handy sidewalk right outside your house. I have so many memories of meeting friends for outdoor play and I really am thrilled that my kids can experience the same thing today. Of course, they still want their Wii but I can hold off for some time on that still.

Making clay from scratch for play inside or outside

I loved Play dough when I was a kid. Now, before anyone starts to say I am transferring what I liked to my kids and I am ignoring what THEY like, know that they do really love play dough themselves. In fact, at times when I have to take them out to stay with generous friends while I do an errand or a job, I pack a jar of play dough each and that keeps the super occupied, and super sociable with other kids as well. The thing is though, that buying jars and jars of Play dough builds up in expense. It is a good thing that there is a way to make play dough from scratch. This way, you will always have play do when you need it and the kids can get in on the fun as well as this version is a non-cook one. Here it is;

No-Cook Play Dough recipe

Ingredients

1 cup salt
1 cup flour
1 tablespoon cooking oil
7-8 drops of food coloring
Water

Step by Step Method

Mix the flour and salt.
Add oil and food coloring to water.
Add water until desired consistency is reached.
Mix well.

Storing the No cook Play Dough

This play dough will keep for about 1 week if kept in a sealed plastic bag or container and slightly longer if stored in the refrigerator.

“Cooked” Play dough recipe

If you want to have Play dough that lasts longer, and you don’t mind making this yourself, here is a recipe for ‘cooked’ play dough;

Ingredients

1 cup flour
1/2 cup salt
2 teaspoons Cream of Tartar
1 cup water
1 teaspoon cooking oil
7-8 drops of food coloring

Step by Step Method

Mix the flour and salt.
Add the cream of tartar, water, and oil.
Add some food coloring.
Mix well.
Cook over medium heat until ingredients form a ball. This process almost automatically forms a ball of the dough on the stove and its not to hot to touch. (Does not take more than a minute on stove).
Turn out and knead until smooth, about 1 minute, and let it cool.

Storing Play Dough

This play dough recipe will make play dough that will keep for at least two months if kept in a sealed plastic bag or container and longer if you store it in the refrigerator.

Play dough can be used for so many creative activities inside and outside the house. You can even think of this as combining point number one and this points. In a nutshell, the material here is supposed to be something used for learning and fun during summertime downtime.

Cook

I am so impressed by the Junior Masterchef show from Australia. The youngest contestant was 8 years old! And these kids made real good dishes! Not your simple boiled egg. These were dishes with French names and showing a lot of technique.

Now, my kids loved the show as well and now they want to be chefs as well. This is great. In my country, the kids used to be taught how to cook very young as they were tasked to help their moms prepare meals. This also came from the fact that families were so much bigger then. My grandmother had nine kids and so my mom learned how to cook when she was 7. I know my kids are a couple of years too young for serious cooking but helping out in preparing dishes and helping me when baking is something they can do, and have done, and really enjoy at that.

If you already bake a lot then there is no additional expense. In fact, since you already cook anyway, the bonus here is that you have little helpers. Just be careful that you cook simple dishes when you involve them and always take care around the oven. This will surely keep them occupied for some hours during summertime.

So far, these are the things I have come up with. I am sure there are heaps more ideas there for summertime activities that are learning experiences and budget friendly as well.

What are your ideas for free summertime activities?

Seeing Spring Through Children’s Eyes

April 20, 2011 | Leave a Comment

Picture from: B. Monginoux / Landscape-Photo.net (cc by-nc-nd)

As much as I want the warm weather my kids want it more. I love to see how excited they get when the bikes are being pulled out and they want to be off and riding. My kids have always been the outside type and the older they get the more they love the outdoors.

I was brought up the same way. Living in the country on a farm I had to be outside whether I wanted to be or not when the animals needed to be taken care of. In the summer there was no such thing as hanging out on the couch and watching television unless it was really raining.

The joys of spring

Nature has a way of having us see things differently. Being outside and watching how fast the trees are budding and the grass actually turns green and grows is amazing. Doing yard work can be exhausting but at the end of the day just seeing what has been accomplished gives us a good feeling.

Spending time outside in the warm weather with our kids doesn’t even cost anything. Just sitting and talking or if the kids are younger blowing bubbles or drawing with chalk costs next to nothing. Being able to see the little bugs like the bees out and about boosts our spirits and makes us smile and tired all at the same time. I find it breathtaking at times how my kids see things that we adults seem to overlook. That one little blade of grass growing in the pavement..seriously? How many of us adults would have noticed? The sun warms us just about as much as our kid’s smiles and enthusiasm.

At the end of the day when it begins to cool we all go inside and clean up. We have dinner and everyone is full and happy. The thing is we all had a great stress free day and we are all content and happy. Total cost? The yard had to give up some dirt for my kids.

Are you and your children ready for spring?

The Old Woman and The Wine Jar; An Aesop’s Fable

April 19, 2011 | Leave a Comment

An Old Woman found an empty cask that had once contained a fine old wine and that still retained the fragrant smell of it’s former contents. She greedily placed it several times under her nose and, drawing it backwards and forwards, said, “Delicious! How nice the Wine must have been when it leaves behind so sweet a perfume?”

The memory of a good deed lives on.

Photo by Pixabay

How have you used this fable to teach your children?

10 Lessons Learned Since Becoming a Mom

April 18, 2011 | Leave a Comment

Image by WILPF

The boys’ birthday – and Mother’s Day – are just around the corner. Because of this, I have begun thinking about all of the things I have learned about myself – and life in general – over these past four years.

I also realized, some of these discoveries actually began, just as I embarked on my journey towards motherhood. For instance, I learned that when I really want something – or feel in my gut that I must do something – I will do whatever it takes to attain that goal. If I think back on events in my life, I suppose that would be true but I never realized it before — not really.

My husband and I knew we wanted to start a family a few months after we were married but soon realized — that was something we could not really control. It was during this time that I also learned, if I really want something – and I can’t get it because I really have no control over the situation – it drives me bonkers!

I read at least three books about trying to conceive, I charted my monthly cycles, joined TTC/pregnancy support group, I consumed lots of fertility tea (yes, I really did this) and I did everything I was “supposed” to be doing to ensure success!

But month after month — nothing, and nothing, and a bunch more nothing. It was the hardest thing I have ever been through, or so I thought.

After trying to conceive (TTC) for almost 8 months I FINALLY got a positive pregnancy test. We were elated to say the least! However, that pregnancy wasn’t meant to be.

Back down the roller coaster we flew!

THEN, after almost 2 years we were blessed with our darling boys.

Since that day I have learned…

1. Trust my instincts

The best advice I received, was from my Mom (imagine that). I was just about to go home from the hospital and I had well-meaning nurses giving me conflicting advice. I was confused and stressed — and my hormones were totally out of whack. My Mom said, “You just do what you think is best. You are the Mom. Trust your instincts.” And so I have…it’s worked out okay this far!

2. Moms really can do anything

I have said this for years. If I ever needed anything, I would ask my Mom or one of my friends – who had kids – to help me out. Now that I’m a Mom, I realize it’s because you do what you have to do. Kids rely on their parents for so many things – especially when they are small – so if you can’t do it for them, who will? This is why, even if the request seems impossible, Moms will do whatever it takes to get it done.

3. I am stronger than I ever knew

I am stronger than I ever knew — and I am more capable than I ever imagined. When it comes to my children I will move heaven and Earth to keep them safe and give them what they need.

4. Babies do not read parenting books

Babies don’t always do what parenting books say they will but those books can provide a helpful guideline. It’s just like using GPS — you must use common sense combined with your own intuition.

5. the importance of the “Mom Look”

It took me awhile to get it down — but it’s amazing how effective it can be.

6. Nothing compares

Although I have always loved and been loved; nothing compares to the intense love a mother has for her child.

7. Story-time before bed is as much for them as it is for me

It’s our sweet snuggle time. I love it!

8. A kiss really can fix just about any boo-boo!

It’s magic!

9. If you sneak up on geese – and surprise them – they will laugh.

This is according to A. I haven’t actually tried to see if this is true yet. It’s amazing how his brain works. The kid cracks me up all day long.

10. Just because I don’t think something is stylish — doesn’t mean it’s not in style.

This I have learned from my trendsetter son N. For about a year and a half, his feet were always covered by frog boots, for about six months he was often spotted wearing his spider-man costume OVER his footie jammies. He is particular about every piece of clothing he puts on. I think we are in trouble!

There are so many wonderful things I have learned — and I know there is much more to come! I can’t wait!!!

*I know this was a Mom centered post, I promise a really great post – for Father’s Day – to honor Dads — because you guys are SUPER important and wonderful too!!!

What are some of the things you’ve learned since becoming a parent?

Busy, Busy, Busy!

April 17, 2011 | 1 Comment

I feel like I have been AWOL from my own web site lately! Things have been just a bit insane and I have had no time to post. My day job has grown increasingly busier and I am only half way through my massive list of to-do’s on my house. Thankfully I have some great writers that have picked up the slack.

I should probably catch you up since I haven’t really blogged about this all that much. My wife grew up right next to her families farm on a beautiful piece of property. The house that is on that property is only “okay” but it’s built well and the property more than makes up for what might currently be lacking there. We have been rather unhappy with our current house and neighborhood for awhile now but with our financial situation being what it was/is, we haven’t been able to afford to do anything about it.

Our 5 year plan

Three and half years ago, we came up with a 5 year plan to get out of debt and buy the family house my wife grew up in. We have been working very hard, cutting every corner and putting every extra penny we could to get out of debt. We didn’t get in debt because we were trying to keep up with friends and neighbors, we got in debt trying to survive while one of my previous businesses failed around us. It’s been hard on all of us, especially my wife, but it made us stronger than we ever thought we could be and we attacked it as a team.

The results so far? We are ahead of the curve on our goal and our credit has bounced back much sooner than expected. My credit is almost back to the best it’s ever been and my wife’s is closely behind. We are finally in a position where we can afford to explore the idea of selling our current house and buy that dream house. It’s noting fantastic, it’s a 1500 square foot ranch house but as previously mentioned, the property is amazing and the house has a ton of potential. Our plan is to sell our current house, buy this house and spend the next 20 years turning it into the house we know it can be.

The first step

The first step towards achieving that goal is to get our house ready to sell. As everyone knows, the market is not very good right so we want to give ourselves the best opportunity to sell this house at a good price by making it the best it can be. It’s kind of sad to say but the house looks better today than it ever looked before and we are only half way through our list of things to do before listing it. It’s kind of sad that we were finally motivated to really make this house shine only so we can sell it but I guess that is just how it goes.

So that is what I have been up to. It’s going to be crazy for us for the next couple of months but I am very hopeful that it will payoff. I know my two boys will LOVE growing up in the country with all that farm and family around us.

What have you been up to lately?