Weekly Tip – No Spend Diet

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Here we talked about cutting out an expense habit. This week we can challenge ourselves to a no spend week.  The idea is you only spend on necessities like groceries, bills, gas.  Think you can do it?  If a week is too easy, challenge yourself to a month.  Let’s see how long I can go.  So for the whole month of March I’ll be on a no spend diet.

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Weekly Tip – Cut Water Usage

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This week let’s look at ways to reduce our water usage.  I’m a big fan of long hot showers, with a house full of kids it’s sometimes the only place I have a moment of silence, to save on your water consumption limit your shower to 5-10 minutes.  A few ways we can reduce our water usage include

  • Turn off the water when brushing your teeth.
  • Turn off the water while soaping your hands.
  • Reuse your water.  Boil pasta, save the water to water your plants.  Shower, place a bucket to catch excess water you can water the plants, flush your toilet, mop you floors.
  • Fix water leaks.
  • Wash your car in the rain.
  • Replace your water wasting toilets and faucets.
  • Wash your dishes and clothes only when the machines are full.
  • Wash by hand and conserve water by using sinks and remember to turn the water off when washing.
  • Have  garden? Collect rainwater in  barrel to water them.  You can also use your collected rainwater to wash your car and pets.
  • Save as much as 15 gallons a day by placing a plastic bottle filled with sand or pebbles in your toilet tank. It’s a great alternative if you can’t replace your toilets with low flow toilets.

 

Weekly Tip – Save $1612

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We all have habits.  I enjoy a venti white chocolate mocha soy no whip cream, and no foam.  That little drink costs me $6.20 each time, which doesn’t seem like a lot but at $31 a week and 52 weeks in a year it comes out to $1612!  Cut out an expensive habit, that $6 Starbucks coffee really adds up. There’s so much more I could do with that money and it was a needless habit, especially since I can get free coffee at home or work.  Bring your own coffee to work and save some money.  Coffee might not be your expensive habit.  It could be something else.  What are you cutting out of your expenses to put more money in your pocket?  Am I going to cut it our entirely? No.  If I have a giftcard (hint, hint) I’m definitely going to treat myself, but I’ll definitely cut the habit.  So long old friend. . .

Valentines Day Tips

Valentine’s Day Tips Under Budget

The desire to spend lots of money often happens around February 14th. It’s a time when prior planning, savings, and budgets can go out the window to show loved ones how much you care. This Valentines use these helpful tips to keep your budget in tack and your spending under control.

1. Buy on sale. Just about every store will have some sort of sell for the upcoming holidays. Make sure you save big buy buying on sale. You can find heavily discounted jewelry this time of year.

2. Comparison shop. Find something in store you want to purchase, make sure you check the price online. Most stores will have a price match for the same item. If the store won’t price match, buy it online and save.

3. Create your own flower arrangement. My local Kroger often has flowers on sale, they are can be heavily discounted. Purchase a few bunches for a fraction of the online price and create a wonderful arrangement.

4. Think outside the box. Come up with a creative alternative to spending money like surprising your sweetie with a homemade lunch, bake some cookies, compile a book of love poems, create a photo book of memories of you two.

5. Create personalized notes. Leave personalized notes around for the whole month of February for your spouse.

6. Belated Valentines. You can shop the day after Valentines and get discounted chocolate for your significant other or even yourself. Just a word of warning, saving a few bucks by celebrating the holidays later could get you in the dog house.

Weekly Tip – Start your 401K

pexels-photo-164474.jpegDoes your company provide 401k matching? Are you taking advantage of it?  If you’re not investing or invest the most to get the employer paid match you’re throwing good money away.  Talk to your employer to see if that option is available to you.  If your already invest, are you maxing out your contributions to get the most out of your retirement?

February Birthday Freebies

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Happy Birthday February Babies!  Lots of restaurants offer treats and birthday freebies.  Below you will find a list of discounts and offers to celebrate your birthday.

Alphabetical List: A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

A

Abuelo’s – Free Sopapillas on your birthday.

Applebee’s – Free dessert on your birthday.

Arby’s – Free drink with purchase on your birthday.  When you sign up you’ll also get a free roast beef sandwich with purchase.

Atlanta Bread – Free birthday cookie.

Au Bon Pain – Birthday freebie.  When you sign up you’ll get a free travel mug.

Auntie Annie’s – Receive a free pretzel on your birthday.

A&W – Free root beer float on your birthday.  Yummy!

B

Backyard Burger – Birthday club members receive a free meal with purchase of a meal.

Baja Fresh – Receive a free burrito on your birthday.

Baskin Robbins – Free 2.5oz scoop for your birthday.

Black Angus Steakhouse – Free meal for your birthday when you signup.

Benihana’s Japanese Restaurant – $30 gift certificate for your birthday.

Bojangles – Receive a free birthday biscuit.

Boston Market – Free individual dessert with purchase of any create your plate meal.  When you sign up you’ll also receive a $3 off $10 coupon.

Bonefish Grill – Free Bang Bang Shrimp or Coconut Pie for your birthday.  If you join the dine in rewards  program you’ll also get 50% off every 4th visit.

Brio Tuscan Grille – Free $10 birthday reward.

Bruster’s  – Free BOGO coupon for a waffle cone for your birthday.

Buca di Beppo – Receive a free birthday gift when you sign up.

Buffalo Wild Wings  – Free start for your birthday.

C

Captian D’s – Free two piece dinner, fish & shrimp dinner or seasoned tilapia dinner.

California Pizza Kitchen – Free birthday dessert.

Caribou Coffee – Receive a free medium drink for your birthday.

Carrabba’s Italian Grill – Receive a free dessert with purchase of an entrée for your birthday.

Carvel – Free ice cream for your birthday.

The Cheesecake Factory – Free birthday dessert.

Chili’s – Free dessert on your birthday.

Church’s Chicken – Birthday members get a free piece of chicken for your birthday.

Cinnabon  – Free Cinnabon birthday treat.

Coldstone Creamery – Receive a BOGO coupon for an ice cream creation.

Corner Bakery Café – Free birthday surprise for your birthday.  Register and receive a chance to win $5000, ends 12/21/17.

D

Dairy Queen – Receive a BOGO coupon for a mini, small or medium blizzard.

Denny’s – Free Grand Slam breakfast.

Dickey’s Barbecue Pit – Free BBQ sandwich.

Dippin’ Dots – Free Dippin’ Dots.

Dunkin Donuts – Free beverage.

E

Einstein Bros Bagels – Free surprise for your birthday.

El Pollo Loco – Free birthday meal.

F

Famous Dave’s Barbeque – Free entrée for your birthday.

Firebird Wood Fired Grill – Free $10 coupon for your birthday.

Firehouse Subs – Free medium celebratory sub.

Four Rivers Smokehouse – Free birthday treat of your choice.

G

Genghis Grill – Free bowl, appetizer or dessert when you provide your birthday.

Gigi’s cupcake – Free cupcake for your birthday.

Godvia – Free chocolate for your birthday.

Great American Cookies – Free cookie cake slice with purchase of a regular soda.

H

Habit Burger – Free Charburger with cheese.

Honeybaked Ham – Free sandwich for your birthday.

Hooters – 10 free wings for your birthday.

Houlihan’s – Free entrée upto $15 to celebrate your birthday.

I

IHOP – Free meal with purchase.

J

Jamba Juice – Free smoothie or juice.

Jersey Mike’s – Free regular sub and 22 oz fountain drink.

Joe’s Crab Shack – Free appetizer for your birthday.

Johnny Rockets – Free hamburger with the purchase of any entrée and drink.

K

Keg Steakhouse and Bar – Free birthday offer.

Kona Grill – Free $15 birthday gift.

Krispy Kreme – Free doughnut for your birthday.

L

La Madeleine – Free pastry to celebrate your birthday.

Logan’s Roadhouse – $5 off your $20 purchase.

Longhorn Steakhouse – Free dessert to celebrate your birthday.

M

Maggie Moo’s – Free $5 birthday reward.

Marble Slab Creamery – Free ice cream to celebrate your birthday.

Margaritaville – Free appetizer for your birthday.

Marie Callenders – Free breakfast for your birthday.

McAlister’s Deli – Free $5 coupon for your birthday.

Melting Pot – Free chocolate fondue for your birthday.

Mimi’s Café – Free crepe cake or croissant for your birthday.

Moe’s Southwest Grill – Enjoy a free burrito to celebrate your birthday.

N

Noodles & Company – Free rice crispy treat for your birthday.

Nothing Bundt Cakes – Free bundlet cake for your birthday.

O

Olive Garden – Free dessert or appetizer for your birthday.

On the Border – Free appetizer for your birthday.  When you sign up you’ll receive a coupon for free queso or sopapillas on your next visit.

Orange Julius – BOGO free 20 oz Julius or premium fruit smoothie.

P

Panera Bread – Free pastry.

Ponderosa – Free steak dinner.

Q

Quizno’s – Free cookie for your birthday.

Qdoba Mexican Grill – Receive a coupon for BOGO burrito.

R

Rainforest Café – $25 reward on your birthday.

Red Lobster – Free appetizer or dessert reward.

Romano’s Macaroni Grill – Free slice of cake for your birthday.  Signup now and get a $5 off coupon.

Ruby Tuesday – Free burger or garden bar entree for your birthday.  Members also get a free appetizer when you join.

Ryan’s – Free BOGO adult buffet for your birthday.

S

SBarro – Free pizza slice with drink purchase.

Schlotzsky’s – Free small sandwich to celebrate your birthday.

Smoke Bones – Free dessert.

Sonny’s BBQ – Free Big Deal.

Sweet Tomatoes – Free birthday offer.

Sprinkles Cupcakes – Members receive  free birthday cupcake.

Starbucks – Free handcrafted beverage for your birthday.

Steak ‘n Shake – Free double steak burger with cheese and fries.

T

Taco Time – Receive a free bogo item coupon.

Teavana – Free drink to celebrate your birthday.

Ted’s Montana Grill – Free dessert for your birthday,

Texas Roadhouse – Free appetizer or sidekick of ribs.

T.G.I. Friday – Free dessert with purchase of an entrée.

U

Uncle Julio’s Fine Mexican Food – Free cajeta birthday dessert.

Uno Pizzeria – Free entrée for your birthday.

V

Village Inn – Free slice of pizza.

W

Waffle House – Free waffle.

Wendy’s – $1 off any premium combo.

Wing stop – Free surprise for your birthday.

X

 

Y

Yogurtland – Free frozen yogurt on your birthday.

Z

Zio’s Italian Kitchen – Free birthday entrée.  Receive a free entrée when you sign up.

Zoes Kitchen – Free bogo coupon for an entrée.

 

Weekly Tip – Invest

 

pexels-photo.jpgStart investing! You may say I can’t afford to invest but you really can’t afford not to.  Go here and receive $5 of stock to start investing.  You can also send $5 of stock like Apple, Google to someone you love to get them started.  If you have kids it’s a nice introduction to investing for them.