Free Beech Nut Cereal and Baby Food

Since I learned about being pregnant I have been looking for as many free or discounted items that I can find. Today I received a coupon for free Beech-Nut Cereal (up to $2 value) and two free jars of Beech-Nut baby food (up to $1.5 value) I know that it is only $3.50 in savings, but I believe every penny counts. I should also be receiving more coupons and things from Beech-Nut in the future. If you would like to receive coupons from Beech-Nut you can go directly to there site-Beech-Nut.

As I receive more coupons or discounted items I will share with you all.

Single Parents

Since I found out I am pregnant a couple of weeks ago I have been trying to find any help that I can. I am single, only work a part time job, and will be a mom. There is a lot of sites that help, but I found one that I think provides a few special things that can help single parents. The site is Single Parents Association of America. I signed up a couple of days ago and have already gotten helpful information and some money saving coupons. You can also get reduced priced insurance and many other things.

SPAOA Site

Save Money on Makeup and get Great Tips

I have been reading a friends blog about makeup and cosmetics. She is licensed and shares a lot of great tips and money saving ideas on makeup and other shopping. I know Kendra personally and know she will share some great information that can save money and time, and give you great tips.

Simply Kendra

Planning Your Shopping

One reason that I do save a lot of money when I shop is because I plan my shopping. This is true for groceries as well as other items. Planning your shopping is very crucial. This will help prevent you from purchasing items that you do not need, and finding the impulse purchases.

I start by looking at all of the sales papers to find items that I need, and which stores have the best offer on the majority of the items I will be purchasing. I do not go all over town to save money. If stores are close together I will go to each, but if not I choose the one that I will save more at. If you spend the money you would save on gas, what would be the point?

Make a complete list of all of the items that you will need to purchase. This list could consist of groceries, clothing, cleanings supplies, or any other items you need. Try to keep the list as close as possible to the things you will purchase. I know there will be times when you have a general idea of items, but not know exactly what you will be getting.

Make a budget for your shopping trip. This should be a very close approximation to what you will spend. When you make your budget, take only that amount with you. This will prevent you from purchasing more than budgeted.

Plan out your complete shopping trip. You want to know exactly what stores you will be going to, and what you will be purchasing from each store.

Planning your shopping can make a big difference in the amount of money you can save when shopping. It may seem like a little extra work to do in the beginning, but you will be very happy with the money you will save.

Widgets

I have added a few widgets to the blog. These widgets are helpful with saving money, and other financial help. I just have a few at the moment, but I am looking for more. If you know of any helpful money saving or financial widgets that would work, please let me know. Every bit of financial help that we all can find is very helpful.

Helpful financial Tools and Sites

The power of knowledge is great when it comes to your finances. There is so much information available about finances that it can be overwhelming to some. I have found quite a few financial tools and sites that I would like to share with all of you.

My Money:

My money is a government site that shares a lot of helpful financial tools, advice and consumer laws. I have found quite a bit of helpful information about financial scams that I thought was extremely helpful. They share tips on how to report and prevent these scams. They also have advice about basic budgeting, mortgage, loans and much more.

Better Budgeting:

Better budgeting is a site that provides free financial worksheets and tools that we all can use to get our finances in order. They also share money saving tips.

Worksheets:

Budget Tracker Budget Worksheet

Consumer Credit Budget Worksheet

Woman's Divorce Budget Worksheet

Dollar Times Budget Worksheets

My Calculator Financial Calculators

Tools For Money Financial Calculators

These are just a few of the helpful financial tools and sites that I have found. I know there are many more, and I hope you can find the ones that work best for your situation.

You can also read:

7 Great Frugal Living, Saving Money and Penny Pinching Websites

Budget Ideas

As most of you know I do a lot of writing online to make an income. I am pushing to write a lot of article on budgeting and saving money. I have noticed that there are a lot of people that are like me and want to save money wherever they can. I will be posting these articles whenever I get them wrote so they may be able to help you as well.

How to Decorate for Christmas on a Budget

Christmas is a fun time of the year for most people. It is a time for family and friends to get together and celebrate. If you are anything like me you love to decorate. I love to decorate, but I do have to keep my decorating within a budget. These steps can help you decorate for Christmas on a budget.

How to Plan a Wedding on a Budget

You have finally found the person of your dreams, and you are going to make the next step. Marriage! This can be the best day of anyone life, but also the most stressful and costly. There are many ways to save money while planning your wedding. It may take a little more work, but it is worth the savings.

How to Make Money Recycling

Recycling has been something that you hear more and more about. People want to make our world a greener world. Even though that it is being talked about a lot there are still people that are not recycling. If there were more individuals that would think about the incentives there may be more people recycling. You can actually make money recycling, and I have seen a lot of people that do it.

Money Saving Articles

I have been writing a few articles that can help people save money in different ways. These are a few of the articles that I feel are helpful, and I hope they can help you save money:



Saving money is important to us all. We all try to buy items at the best price, but it is hard to remember every price that we see. Making yourself a price book can help you remember all of the prices, and purchase items at the best price you can find. It will give you a reference guide for comparing prices.

Read more: How to Make A Personal Price Book, To Save Money | eHow.com

Clipping coupons can save you a lot of money on groceries, and many other items. One of the major complaints I hear from people is they do not know how to keep them organized. Many people miss the money saving opportunity because they can't organize there coupons in an efficient way. It is actually very easy, and inexpensive to do.

Read more: How to Organize Your Clipped Coupons | eHow.com

Save Money on Groceries

How to Start a Realistic Budget

Save Time and Money Using Coupons

Save Money on Your Utility Bill

Saving Money on School Supplies

Stop Living Paycheck to Paycheck

Receive Free Baby Formula and Coupons

Save Money When Expecting

50 Real Ways to Save Money in your Home

Saving Money Your Spouse Doesn't Know About

Free Samples and Money Saving Coupons

I have been looking for some free samples online, and found a couple. I wanted to share these so hopefully they can help someone else as well. I know these products are small sample sizes, but they can help when they are needed.

Sample Sites:

Head and Shoulders- When you sign up for the site you will get free samples for head and shoulders as well as a few coupons and samples of other products from Proctor and Gamble.

Colgate-This link will take you to the page to get great money saving offers from Colgate as well as other products.

Garnier-Coupons for Garnier products

Playtex Sport- Receive a free sample of Playtex Sport

This is just a few samples I found tonight. When I find more I will share them with you all.

Emergency Fund

An emergency fund is important to everyone. No matter if you are single or married, and have children or not. There will be times in your life when things come up that require money. It makes live much easier if you have those funds available to you without going into debt. Everyone can have an emergency fund no matter how much money you make. This is just a fund to use for those cases you are not ready for.

Read the rest of the article HERE!

Surprises in Life With Finances and Everything Else

We tend to plan on things happening in or lives. Most of these plans have something to do with finances. You may want to travel, retire early, have a nicer car, or a bigger home. Almost everything that we do in life has something to do with money and finances. So what do we do when we have surprises?

These surprises can be anything; bills, divorce, children, losing a job or a number of different things. Life does not always go how we plan. Even if things are going the way we want anything could pop up.

I have been going through this recently. I have separated from my husband, and life seems to be up in the air at the moment. The first few days were the worse. My husband paid for everything, I did not work because of some difficulties. I kept asking myself what I could do. I still do not have things completely planned out, but I am working on it every day.

So What Can We Do With Surprises?

The first thing that I told myself is that everything is going to be OK. It may take a while for everything to work out, but in time it will be OK.

Find solutions to your financial and life problems. There are usually some sort of solution to our problems. Life is never as easy as we want it to be, we may have to work hard on those solutions.

If you are unemployed you should find ways to make money. Even if it is a small amount some money coming in is better than no money at all. Do not dismiss any legal income option. I would avoid investing any money if you have no money coming in. Work a regular job, or find things you can do around your neighborhood to earn a little money.

Make a plan for getting through your financial and life problems. When you are going through hard times you usually feel like it is the end, but it does not have to be. Find things that you can do to plan out how you want to get through the hard times. Having something to focus on will help you push through the hard times, and focus on the future.

Life can be filled with surprises with your finances and every aspect of you life. How you deal with those problems will help you get through everything and discover how you can improve your life. Remember to never give up. Life is what we make of it, no matter how hard it is.

Example:

Last week I discovered my husband was seeing someone, I moved out of my apartment with only my moms help, I have no money put away because I am not working, then my sister was put on life support. I have no income and have to live at my sisters in a small room. I do not think I have ever had such a hard time in such a short period. I could give up, but I won't do that. I am sitting here writing this, and focusing on what I need to do next. I am making a plan for my finances. Since finances seem to be one of the biggest things I need to focus on other than my sister, I am trying to discover what I need to do next.

We all have hard times in our lives financially, physically, and emotionally. How we deal with those problems shows how strong we can be.

I will be away for a few days

I just wanted to apologize to the readers. I will be unable to do any updates for a few days. I have recently discovered that my husband is leaving, so I have to figure out my life. I am completely devastated about the separation and the fact that I am having to move out of my apartment. I just wanted to let you know that I have not gone anywhere, and I will be back updating on a regular basis within a week or two. Thank you for everything.

The plus side of the situation is that I will be focusing a lot more on my finances, so I will have things to share on a regular basis. Life is hard, but it will all be figured out.

Stressed about finances

I have been so stressed about my home finances the last few weeks. Our income tax check has helped, but I am trying to figure out how to pay the bills the next couple of months. I have been looking for a job, but have had not luck. My online income is doing better, but it will not cover everything that we need. It can be stressful at times.

My husband, Gabriel, has been working so hard to pay for everything. This stress is beginning to put a strain on our relationship. I am not used to being the person that needs someone to take care of me. I am used to paying my way for every thing. I have to pray that everything will be OK, and I feel it will be.

I will not let myself get depressed over our financial problems. There is too many things to be thankful for. The only thing I can do it continue to try and make our situation better. I am going to continue to look for employment, and keep working hard on my home income.

I am sharing this because I want to add a personal touch to this blog. I want you to understand that I have financial problems just like many other people in this country. I will not sugar coat my situation for this blog. This blog will show the good and bad about my financial situation. I want to help myself, as well as all of the lower income families that are out there trying to reach there financial goals by sharing helpful information.

If any of you are interested in earning a little money from home I have another blog that I share that my story on.

My At Home Income Blog

Make Saving Money A Second Income

We all look for ways to make an additional income, but why not use what we have. If you can find ways to save money in your home it is just like making money. The good part about this is you will not have to report it as an income. There are so many ways to save money on almost everything in your life. Think about things that you can reduce or even give up.

When you begin saving money, put that money away in a savings account. You can do this unless you have to use it to pay for a necessity, do not use it for play money in the beginning. Save the money until you have to have it, or for something special.

I have been doing this for a while, and it does help. We only have one full time income in our home, and my online income which is not very much at the moment. We had to find a way to make ends meet. We still have some problems paying some of our bills, but it could be a lot worse if I had not been finding ways to save when I could.

Think about it; If you can find a way to save $25 a week that would give you an additional $100 a month. That is actually 4% of a $30,000 yearly income, which is a very large amount that can add up quickly. There is an even bigger possibility of that income being a lot more if you can find even more ways to save money.

This is something to think about. Can saving money actually be the same as a second income? Yes it can if you determine ways for you to save the same amount as you would make at at the second job.

This article may be interesting for anyone trying to save money.


50 Real Ways To Save Money In Your Home

Make a Personal Organizer

A personal organizer is something that is great to have, and makes life much easier. The organizers that are available in most retails stores cost a lot of money. I have found some that have included the items that I needed for more than $40. Most of us cannot afford to pay that much for an item that is supposed to make our lives easier. It is actually very easy to make your own personal organizer without spending a fortune. This article will show you how. A personal organizer that you make is much less expensive, and you can personalize it to suit your needs.

How to Make A Personalized Organizer At Home

Save Money Grocery Shopping

Your grocery bill tends to be one of the most important bills. You have to feed yourself and your family. To save money on groceries you can use coupons, compare prices, and compare unit prices. I have written numerous articles about saving money on groceries, and I wanted to share them with individuals that are looking for steps to save money on there grocery bill. I hope these articles will help someone else, because there are a lot of us that need every dime that comes into our home.

How to Organize A Coupons Swap Group

Coupons can save you a lot of money, but we usually do not use all of the coupons that we get. Having a coupon swap group can help you and your friends save money by sharing coupons. This group can share coupons, money saving ideas, and recipes with each other.

Read the article in its entirety

How to Be An Organized Coupon Shopper

Coupons is a great money saving idea. Using them can be easy if you can be an organized coupon shopper. These are some very simple ideas for becoming an organized coupon shopper.

Read the article in its entirety

How to Organize Your Clipped Coupons

Clipping coupons can save you a lot of money on groceries, and many other items. One of the major complaints I hear from people is they do not know how to keep them organized. Many people miss the money saving opportunity because they can't organize there coupons in an efficient way. It is actually very easy, and inexpensive to do.

Read the article in its entirety

How to Get Checked Out Quicker When Using Coupons.

In today's economy there seem to be more people looking for ways to save money. Using coupons can save a lot of money. Some people tend to not use them, because it can take longer. If you are organized, and keep things in order, it will be worth your time.

Read the article in its entirety

How to Get The Most Out Of Your Grocery Money.

Our money going towards certain aspects of our lives are getting reduced. Groceries seem to be one of those areas. No matter what happens, you have to eat. Why not find ways to get the most our of your grocery money?

Read the article in its entirety

How to Make A Personal Price Book, To Save Money.

Saving money is important to us all. We all try to buy items at the best price, but it is hard to remember every price that we see. Making yourself a price book can help you remember all of the prices, and purchase items at the best price you can find. It will give you a reference guide for comparing prices.

Read the article in its entirety

How to Determine The Unit Price Of An Item To Save Money.

Calculating the unit price can save you a lot of money. I have been in a few different circumstances where I believed I would be getting a better deal with one item, but was very wrong. There are a lot of grocers that are putting the unit price on there labels, but do not update it when the item is on sale. This makes it very important for consumers to calculate the unit price. Doing this can reduce your grocery bill.

Read the article in its entirety

Saving Money That Your Spouse Does Not Know About

There are many different reasons for saving money that your spouse does not know about. It is usually because the spouse does not save like you, or spends much more than they save. I have to save money because my spouse spends like crazy. It is only on small things, but he does not realize how fast that the spending adds up. We are already living paycheck to paycheck, so I had to start taking a few different strategies to save money for us. I wrote an article that can help if you are interested in doing this. It is easier than you think to do this, and will help both of you when times get hard.

Read The Article HERE!

Budgeting

Budgeting is something that a lot of people tend to have issues with. Without a complete budget you do not know exactly where your money is going every month. I have been a follower of a great website that offers tools for budgeting. The site is Better Budgeting. There is a lot of very helpful information of the site, it it makes budgeting much easier.

Budget Worksheets from Better Budgeting:

Basic Budgeting Worksheet

Dealing with Debt Worksheet

Monthly Spending Worksheet

Annual Spending Worksheet

All of these worksheets are free to use, and they can be very helpful. There is also a lot of other great information about budgeting on the site.

Monthly "Spending" Worksheet

Monthly "Spending" Worksheet

Repair Your Credit

My husband and I have had problems with our credit. I have completed a lot of research to find some of the best ways to repair our credit, and handle the creditors. I have been writing online articles about repairing your credit, and I wanted to share them with you. I have used all of these methods, and they have worked for me. Using these I have avoided having to pay someone to repair my credit, I did it all on my own.

How to Repair Your Credit.

Your credit is very important. You should do everything you can to keep your credit score at a high number. This is exactly what I did to repair my credit. It may take a little time, and effort, but it is well worth it.

Read the article in its entirety

How to Stop Creditors From Calling Your Job.

Creditors can be harassing. If you do not handle it properly they will continue to be that way. It is one thing for them to call you personally, but when they call your job it can cause problems. I have known of people that had to be disciplined at there job because of the creditors disrupting them at work. If you follow these steps you can stop there calls.

Read the article in its entirety

How to Pay Off Your Debt, In The Least Amount Of Time.

Most of us have debt problems. In the current economy, there are even more of us in that situation. We struggle with bills, and debt. There are options, and you should check them out before making any drastic decisions in your life.

Read the article in its entirety

Mypoints

I have signed up for Mypoints recently. This site helps you save money with coupons, shows you where to find special sales, shows you sites that has free shipping, and more. While they are showing you ways to save money, you can earn gift cards for many different retail stores.

I have only been a member of the site for about a month, and have earned enough for a $10 gift card, but I am going to let the points accumulate. This site is great for saving money, and making a little extra.

MyPoints

Welcome to My Blog Saving Money and Home Finances

I want to welcome you to my blog. I have been an avid money saver for years. I use coupons, compare prices, and find any other way to save money in my life. This blog will be a place for me to share some of my ideas and tips for saving money and home finances.

I hope I can share my experiences and help others. Please let me know if you know of any articles or tips about saving money. I feel we can all help each other in this tough economic time.