So I broke down and just bought one....

a new wallet! But not just any new wallet.....a Dave Ramsey Envelope System Wallet!! I read the reviews and decided that this brown and blue snap shut wallet would be the best one for me. I have sewn my current wallet back together in a couple different places(just one I bought from Target about a year ago). I am excited to get this one b/c I really like that it will make it easier for me to do the envelope system. Currently all my cash goes in one slot in my wallet and I have to paper click the money together for each category. I followed a lot of people advice to buy the refill envelopes due to them ripping easily. I will however try to tape or laminate them up as soon as I get them to help make them last longer! This would be part of the organizing obsessed part of me and the 'I want out of debt so bad' part of me too! Check out Dave Ramsey's site HERE and click on the Store tab to see all the options they have to help make using cash easier! I challenge you!

Dinner and a Movie

Here is a video done by Collin at Hip2Save on ways to save money on date night! She is so super cute and she makes me laugh! Hope you enjoy!

A Month's Worth of Money Saving Ideas

Day 1: Cut your restaurant tab

Can’t face your kitchen tonight? Punch up restaurant.com to buy a $25 gift certificate to a local restaurant for just $10. (Hint: sometimes they’re even cheaper at couponmom.com.) If you’ve got kids, find local restaurant where kids eat free at kidmealdeals.com.

Day 2: Find the cheapest groceries

Enter your zip code at groceryguide.com to find weekly special and coupons at supermarkets near you. Looking for something to do with ingredients on sale? Search myrecipes.com.

Day 3: Talk for less

Go to billshrink.com and input the details of your current plan. The site will search all available plans from four major carriers―AT&T, Verizon, Sprint and T-Mobile―to see if you can do better. It’ll even calculate switching fees for you.

Day 4: Learn to love the brown bag

The average person spends $6.60 on lunch away from home. Bring your midday meal just twice this week and save $13. Do it eight times this month and save $52. Hint: Buy healthy snacks at thet grocery store to toss in your purse rather than raiding the vending machine. You’ll save money and calories.

Day 5: Cool down to save cash

Lower your water heater temperature by 25 degrees, and save $50 this year―not to mention doing your bit for the planet.

Day 6: Swap your ingredients

Have you ever bought a quart of buttermilk and used only half of it? Make your own by mixing 1 cup of milk with 1 Tbsp. of vinegar and letting it stand for 10 minutes. More easy trades: instead of red wine, use pure cranberry juice. Instead of white wine, use white grape juice or apple juice. And skip the pricey fresh herbs―for every 1 Tbsp. of fresh, substitute 1 tsp. of dried.

Day 7: Have fun on a budget

For cut-rate tickets to live events check goldstar.com. Stubhub often has good deals on tickets for sporting events; the closer you are to game day, the bigger the discounts are likely to be. Save on DVDs and CDs by renting from your local library, and cut back on premium cable channels by watching TV shows for free at modernfeed.com and hulu.com.

Day 8: Save time and money when shopping online

When looking for deals online, don’t skip from site to site. Instead, enter the product name on comparisonshop.com. It simultaneously searches several price comparison sites, including shopzilla.com and nextag.com. P.S. Don’t always go for the new stuff. Find bargains on used items still in great shape at eBay.com.

Day 9: Watch out when you’re buying in bulk

Buying in small packages sometimes saves you more, especially if you have a coupon. Suppose you have a $1.50 coupon for laundry detergent. If you buy a 200-oz. bottle for $7.49 and use the coupon, that would be 3 cents per ounce. But a 100-oz. bottle for $3.99 would be 2.5 cents per ounce with the coupon. Even better: clip two coupons and buy two small bottles.

Day 10: Stockpile sale items

If you decide to make tacos because ground beef is 25 percent off this week, you could end up buying full-price tortillas and salsa. Instead, buy the beef and freeze it. Continue to collect ingredients as they go on sale, then pull together meals from your pantry.

Day 11: Find free and low-cost clinics

If you’re having trouble paying for doctor visits, consider a sliding-fee clinic, which lets you pay what you can afford. These clinics often offer a full range of medical and dental services; to find one in your area, go to ask.hrsa.gov/pc. Or, for common ailments, try a retail clinic such as those found in CVS. One study showed that these clinics cost 25 percent less than a physician’s office.

Day 12: Lower your health insurance costs

Insurance from your employer is usually the best deal. But if you can’t get insurance at work or you don’t have a job, shop around. Two good places to start are healthinsurance.com and ehealthinsurance.com. Avoid sites that don’t provide instant quotes―some ask for your personal information and then sell it to insurance salespeople. Also, consider going to a broker. A good one will know which plans have the best rates and most doctors in your area, and there’s no charge for the broker’s services. To find one, go the web site of the National Association of Health Underwriters (nahu.org).

Day 13: Get paid to shop

If you frequently shop online, don’t forget to sign up for a rebate program such as ebates.com or extrabux.com. You’ll earn anywhere from 2 percent to 8 percent for most purchases from hundreds of participating sites.

Day 14: Pay less at the pump

Ouch! With gas prices jumping, it’s worthwhile to scout out the lowest prices. Try these web sites: gasbuddy.com, gaspricewatch.com, gasprices.mapquest.com, fueleconomy.gov, aaa.com and automotive.com/gas-prices.

Day 15: Reduce home heating costs

You may not be thinking about keeping your house toasty warm now, but you will in a few months, when the bills start coming in. Plan ahead. If you don’t have a programmable thermostat, buy one now for every heating zone in your house. You can save $150 per year.

Day 16: Go green to save green

Trees and shrubs are great for beautifying your yard. But did you know they also shield your home from sun and wind? You could save up to 30 percent in home heating and air conditioning costs by planting some natural protection.

Day 17: Check your mortgage

If you put down less than 20 percent on your home, you’re probably paying private mortgage insurance (PMI). Find out if you’ve built up enough equity to drop it. You could save $1,000 a year.

Day 18: Shop from your pantry

Just once this week, take an inventory of what’s in your cupboard and fridge. Try planning a meal that requires no extra ingredients. You’ll not only get rid of lingering groceries, you’ll reduce your shopping list for the week.

Day 19: Take shorter showers

Showers account for two-thirds of all water-heating costs, so using less H20 saves money. A low-flow showerhead can help. Try the Evolve Roadrunner ($40; evolveshowerheads.com), which can save a family of three about $246 per year.

Day 20: Download coupons

In addition to clipping coupons from newspapers and magazines, check web sites for even more savings. Try Couponcabin.com, Coolsavings.com and Couponmom.com.

Day 21: Make your own cleaners

For all purpose-cleaner, mix 1 cup each of white vinegar and water in a spray bottle. Use it to clean counters, soap scum in the shower and toilets (don’t use it on natural stone). And try baking soda to clean bathroom surfaces, stainless steel appliances, sinks and stove tops. Lightly wet the surface, sprinkle baking soda on top, scrub with a sponge and rinse.

Day 22: Try trading

When you’re strapped for cash, swap for what you need. Peruse these sites: craigslist.org, swap-it-now.com, swapthing.com, swaptree.com, tradeaway.com, trashbank.com. You’ll not only get someone else’s treasure, you’ll declutter by trading items you no longer use.

Day 23: Watch for in-store coupons

When you’re pushing your cart down the aisles, keep an eye out for these extra ways to save: “Blinkies” are those little dispensers attached to the shelves, “peelies” are stuck to the product, and “catalinas” are dispense by the register when you check out. Collect them and file with the rest of your coupons.

Day 24: Organize on the cheap

Instead of buying boxes and bins, be creative with what you have around the house. Use jars for jewelry, paper clips and other office supplies. Ziplock bags work great for markers, brochures, and small toys such as doll clothes and action figures. Use shoe boxes for bills, photos cosmetics and recipes (make it pretty by covering with paper or fabric).

Day 25: Banish late fees―forever

Sign up for your bank’s automatic bill payment service―this works well for recurring payments in the same amount (think mortgage, student loan, car insurance). You won’t wreck your credit or rack up fees by missing due dates. And you’ll save on postage, too!

Day 26: Make dryer sheets do double duty

Cut dryer sheets in half―they work just as well. And dust your furniture with used dryer sheets.

Day 27: Spay or neuter your pet for less

Spaying or neutering is not only good for your pet, it’ll save you money (no puppies or kittens to care for!) These organizations can help you offset the cost:

• Friendsofanimals.org sells certificates for sterilization.
• Petsandanimals.org lists low-price programs.
• Spayusa.org gives you a referral to a nearby clinic. 

Day 28: Have a blast with your kids―for free

The next time the kids are whining “I’m bored!,” try one of these no-cost solutions: Create a “slip and slide” from a large sheet of plastic, baby shampoo and the hose. Assemble carnival games from household items―a ringtoss made with a hula hoop and stuffed animals, a bowling game using empty 2-liter plastic bottles. If you have a camcorder, get the kids to shoot their own movie. Have them brainstorm on the script, collect the props and film the action. Later, gather the family with a bowl of popcorn to watch their creation.

Day 29: Look in stores, borrow for free

If you love reading, go ahead and browse in bookstores. Jot down titles that interest you and then go to your library’s web site to reserve them. Do this a few times a month and you’ll have a steady supply of books without spending a dime

Day 30: Update old clothes

A few deft touches can make last season’s outfits seem new again. Sew a ribbon along the hem of a skirt. Replace plastic buttons with “statement” buttons: think brass or fun jewels. Refresh scuffed white shoes or sneakers by painting on a little correction fluid; clean or buff the area with white shoe polish.

Day 31: Check your auto insurance

You may qualify for additional discounts if you’ve paid off a car loan or moved to a new zip code, if your commuting habits have changed, if your car has aged so much that collision coverage is no longer advisable, or if you kids have moved away. P.S. By insuring your home and car with the same company, you can cut your bill by 5 to 15 percent.


On another note to saving: Check with your auto insurance to see if they finance or refinance vehicles. My does and I just refinanced my truck! We will save $1,500 in interest alone over the next 4 years, plus our payment went down some!! Also, look into refinancing your home especially if you don't plan on moving soon and know that you have equity in your home! Look for more ways to save money and let me know so I can share!!

Ten Tips for Saving Money on Printing Costs

Today I'm(Utah Deal Diva) going to share with you how to save money on printing costs. We all print amazing internet coupons, but if you've even just started printing coupons, you've probably realized just how short-lived those print cartridges are!

Here are a few tips on maximizing your ink usage and lowering your out-of-pocket costs for printing supplies.

1. Buy your cartridges online. There are several online retailers, but my favorite is DataBazaar. They offer free shipping and my normally $14+ cartridges cost me $4. They're easy to use and last long- both bonuses!
2. Refill your print cartridges at drug stores. I know Walgreens in my area has this service. I've heard it's substantially less than buying a new cartridge. However, I know they don't offer this service for a wide variety of printers, so call ahead first.
3. If you have to buy them at a store, go to Staples. They have moderate prices, good selection and will also take your old cartridge and give you a $3 credit on your next cartridge purchase!
4. Print in draft. I print my coupons in color. The reasoning is because there are often watermarks on coupons that simply don't print in black & white. Many online coupons are high value and I don't want to take any chances with my coupon not being accepted! You can select "draft quality" (also called "fast quality") in the Preferences options before printing.
5. Watch your coupon print. Most often, the coupon prints on the top, with advertisements on the bottom. After the coupon prints, push the "Cancel Print" button. The rest of the sheet comes out and you haven't wasted your ink on those ads!
6. Don't replace your cartridge until the ink is GONE. My printer gives me a warning for a long time before the ink runs out completely. During that time, my print quality still looks very good. If I replaced the cartridge when the warning came up, I'd waste quite a bit of usable ink! Wait for the ink to be completely out before replacing it. {Each printer is different- if yours is running out of ink and the prints start to look terrible, replace the cartridge!}
7. Stop printing photos from your printer! Sure, it's nice to have them right then, but the quality really is much better when you use an online photo service such as Shutterfly for printing.
8. Print on scrap paper. Old homework assignments, fliers- if it has a blank side, use it to print coupons!
9. Print on both sides of a new sheet of paper. This tip only works for single prints of coupons! When you print several from places like coupons.com, don't try to print on the back side or you'll end up with a coupon on each side of the paper {and having to choose which one to use!}
10. Take advantage of "Back to School" sales for buying paper. Right now, office retailers are having huge sales to get shoppers in for school supplies. Even if you don't have kids in school, pay attention to these sales and stock up now! 

This is a great article from Utah Deal Diva! I actually learned something!

75 Ways to Save Money Every Day

I found this on another blog. These are not my words, but some of the ideas of how to save aren't such bad ideas! I thought ya'll might enjoy reading this!

Daily Frugalness -

1. Shop at home first. What's lurking in those cupboards. I bet you can make dinner out of what's already in your pantry.
2. Meal plan your dinners.
3. Turning off the lights. Keep all the lights out during the day, and at night, only the rooms currently being used are lit.
4. Washing only full loads (dishes/laundry) and air drying.
5. Keeping the thermostat at 78 degrees (higher if we're out). If it gets too hot, we turn it down until we feel comfortable, then turn it back up to 78.
6. VHS movies. You can find them dirt cheap just about anywhere. Watching movies is one of our favorite pastimes, and having lots of movies we picked up for $.25 to $1 makes it a cheap one.
7. Own only one car.
8. Learn how to fix things. Like the car, the computers, clothing, toys, etc.
9. Thrift store shopping. Except for consumables, buy everything used. If you can't find it at a thrift store, search online - Craigslist, half.com, ebay....
10. Speaking of Craigslist, keeping an eye on the free section, especially on Saturdays and Sundays around the time people start packing up their yard sales, has really paid off. Lots of people give away what they can't sell.
11. Oh, and Freecycle, too.
12. Having pets vaccinations/spaying/etc. done at low-cost clinics, rather than at a vet's office.
13. Eat smaller portions. Really. Cutting back is better for you and your wallet.
14. Keep abreast of grocery sales. Even expensive stores often have loss leader items that are a steal!
15. Know how much you pay for our usual grocery items. This way, you'll know a good deal when you come across it.
16. Home hair cuts.
17. No cable/satellite/Netflix. Just plain ol' network TV. Get a digital converter box (with the government's $40 coupon)
18. Use a reel mower, rather than a gas-guzzling mower.
19. Don't shopping hungry.
20. Find things to do around the house - lots of board and card games, vhs movies, reading (library books), chatting on the phone (local), drawing, listening to records, writing, just hanging out, etc.
21. Really considering before throwing something away.
22. Really considering before making a purchase of any kind.
23. Keep the house nice and livable so we are happy staying home. Having a nice, clean house means we aren't wanting to escape all the time.
24. Put out the word when we're looking for something. Friends and family may want to give up what you are looking for or know someone who does.
25. Do things for yourself that make you feel the abundance in life. Sitting down, drinking a cup of herbal tea, listening to music, and reading a good book. It's hard to feel lacking in life while doing something like that. If you don't feel lacking, you don't have such a desire to buy "stuff." You don't feel like I need more .
26. Make do as long as you can. Procrastinating before buying.
27. Take short showers.
28. Actually eat the leftovers.
29. Be really creative with gift-giving. Making things, putting together a basket of pretty things we have around the house, etc.
30. Water the lawn as little as we can get away with.
31. Park in the shade (this minimizes gas loss due to evaporation)
32. Walk.
33. Doing instead of buying - finding alternatives to buying any way we can: waiting, making do, fixing, repurposing, making something ourselves, etc.
34. Bake your own bread.
35. Save the change. Instead of spending it, we put our change in a pretty jar at the end of every day. It adds up quickly, and it really makes you think about those smaller purchases.
36. Snap digital photos and getting prints only of our favorites.
37. Use the crock pot, rather than the stove and the toaster oven, rather than the full-sized oven.
38. Grow some of your own food (tomatoes, herbs, etc.)
39. Not being afraid to pick up the things people have left on the curb.
40. Buy clothes on clearance at the ends of seasons.
41. Have only as many clothes as you need.
42. Go to grocery store only once every other week instead of the usual weekly trip.
43. Use coupons and combine with sales.
44. Cancel your home phone line and only use cell phone.
45. Buy gallon of whole milk and cut it with water to make 2 gallons.
46. If you're driving less, check with your insurance company about a lower rate. I get about 50 bucks off every 6 months because I drive less than 7500 miles per year.
47. Use cloth diapers.
48. Use cloth wipes with plain water.  
49. Price shop on phone plans.
50. Eat cheaper sources of protein: eggs, beans, quinoa, nuts
51. Use cloth napkins.
52. Use rags instead of paper towels.
53. Use simple soaps instead of fancy bath washes.
54. Consolidate trips, travel much less.
55. Use the library, but keep good eye on due dates so fines don't add up.
56. Curb urge to get out of the house and drive somewhere for entertainment by riding bikes in neighborhood or walking.
57. Use up odd cuts of meat in the freezer.
58. Take up any offers of stuff from people's gardens, look for a recipe online if I don't know what to do with it.
59. Use Internet to help us learn how to fix things.
60. Don't set foot in a mall, throw away sale ads from newspaper so you're not tempted to buy anything you don't need.
61. Use cold water for clothes washing.
62. Wash clothes only when dirty rather than after every wearing out of habit.
63. Sell stuff on eBay that you've been holding onto for who knows why.
64. Cut up other items to sew new things (a single wool sweater became legwarmers, mittens, breast pads and cloth diaper cover).
65. When you break a $20 bill, put all of the $1 bill into a jar and apply that savings towards paying off debt.
66. Stay home - if you go out you always spend a bit here and there.
67. If you do get take out, get Chinese and only order one entrée and rice. You can have a nice family meal for $9.
68. Bring snacks and drinks on errands so you aren't tempted to stop at the drive thru.
69. Buy an Entertainment book for your vacation destination.
70. Go on hikes instead of trips to the mall.
71. Rip dryer sheets in half.
72. Build up a pantry.
73. Start a family change jar.
74. Use vinegar as a cleaner.
75. Buy memberships or year long passes to parks/zoos/aquariums in your area.