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4 Ways to Push Your Frugal Christmas Budget

It comes the same time every year, and I can’t believe it’s almost here again. Time flies when you’re having fun, or just trying to make it through a worldwide pandemic. Even with all of that going on, we still try to stick to a frugal Christmas budget every year. And that seems to be getting more and more difficult with supply chain issues. However, over the years I’ve figured out a few tips and tricks that have really helped us keep things frugal. And we all still have a really good holiday season with each other. Which is really what matters the most anyway.

FRUGAL CHRISTMAS PLANNING

I don’t know about you, but our kids want something new ALL the time! And they have a really difficult time with delayed gratification, like most children do. But, this means we have no shortage of ideas when it comes to Christmas gifts for our kids at least.

At this time of the year though, there isn’t much time left to get moving. Proper planning throughout the year has really gotten me out of some gift giving jams in the past.

The first tip is to take a picture of each kid with items they say they really want throughout the year. I try to get a price tag in the picture with the kid and the item so that I have a frame of reference throughout the year, whenever possible. And this gives me a jumping off point so that I know when I might be getting a good deal.

The second tip is to have the kids send an email with links to all of the items they are interested in, with sizes and colors. This way I have the links in my inbox and can purchase them when the time comes, or if they end up on sale.

I have a few extensions on my computer that help me save even more money by either telling me where a better deal can be found, automatically applying coupons, or giving me a rebate. My current favorite go-to money saving apps are:

  • Honey – which alerts me when any of the items on my saved list drops in price and automatically applies coupons
  • Rakuten – gives me a percentage of my purchase price back in rebates and automatically applies coupons
  • Acorns – puts a percentage of my purchase price into my investment account

SELL STUFF

One of my favorite ways to push our frugal Christmas budget is to sell old and/or broken things that we no longer want or need. Since we have 5 kids, they have a tendency to outgrow their things fairly regularly.

There are a few different ways I do this. Typically, I try to sell their things through Facebook Marketplace groups first. Sometimes this works out well, but it does require quite a bit of work since a lot of people just don’t seem to communicate well these days. When it’s this close to Christmas, it can sometimes be much easier to get people to respond though, since everyone is on a tight deadline. So, if you have some things you’re considering getting rid of, I would highly suggest trying now. You will probably be able to get more money for the items also. Bonus!

The other way I try to get the most money for our kids old things is by using the Amazon Trade-In site. They typically only take things of the electronic variety, but we don’t have any shortage of that around here. I don’t usually get a ton of money from this form of selling, but the money goes directly into my Amazon account so that I can use it to pay for this year’s Christmas presents. And every little bit counts towards keeping our frugal Christmas budget.

Christmas NAME DRAW

this is a trick I’ve been using for years. It took a little while for our whole family to get on board. But once our family grew to a certain size, gift giving for everyone just became daunting and expensive. Once that happened, the whole family jumped on board with the idea of drawing names instead of buying for everyone.

Even if you aren’t together right now, there are plenty of random name pickers you can use to draw names. Once you have drawn names, then your family will need to set a budget for each gift. In our family, we set the budget at $25 for kids and $20 for adults.

The next most important step is to get each family to send an email with links of what each person would like. I usually ask for 3 or 4 items for each person, that way I have a choice. And it’s more of a surprise when they open our presents also, which we like. While it sounds like this might be more work, we have found that it actually makes holiday gift giving much less stressful. And it also helps us stick well within our holiday budget too.

Homemade GIFTS

As a person who used to own a gluten free bakery and has a Chef for a spouse, we spend a lot of time in the kitchen. Most people we run across just can’t get enough of our food, so it stands to reason that we might as well put it to work for us this time of year.

I’ve been making my toffee for longer than I can remember now and it’s one of the fan favorites at the holidays. So, I decided to start handing some of it out as Christmas presents, and it goes over like gangbusters.

Not only is it delicious and really easy to make this, but it only costs about $1.43 per person. I can go to the Dollar Tree and buy a 10 pack of fancy candy bags with the twist ties for $1.00, which only increases the cost by $.10 per gift.

However, even if baking isn’t really your thing, there’s probably something else you’re great at that people absolutely love. So just think outside the box and get creative with some homemade Christmas gifts this year. For me, I appreciate these kinds of gifts more than the store bought kind.

Frugal CHRISTMAS BUDGET

When it comes to sticking to a frugal Christmas budget, it can be done. It may be a bit trickier so close to Christmas, but I know you can do it. Just get creative, sell some old things, make some things, draw some names and/or find some great deals. And above all, spend time with your loved ones.

Which frugal Christmas budget tips have you tried that have worked for you?

How Much a Baby Costs in the First Year

Deciding to have a child is a really big, life altering decision. And it’s one that will definitely impact your finances. Not necessarily in a positive way either. Of course, becoming a parent is awesome. But, if at all possible, it’s best to go into parenthood with your eyes wide open about the financial ramifications. Especially because the most recent statistical reports show that raising a child costs between $12,000 – $14,000 annually here in the United States. In this respect, budgeting ahead of time is a great way to embark upon parenthood. Especially if you have an idea as to how much a baby costs in just the first year alone.

In the first year, you are more likely to incur a larger percentage of these costs due to a few fairly common factors.

CHILD BIRTH COSTS

The most expensive part of having a baby is the actual giving birth process. In fact, he majority of the costs come from this category alone. And how much you end up spending can vary widely, depending upon:

  1. Vaginal or C-section
  2. Insured or not, and insurance coverage
  3. The state you live in

If you have a vaginal birth, the range can be between $4,900 – $10,700, if you have insurance. But if you don’t have insurance, then the costs can range between $9,015 – $19,800.

If you have a C-section and have insurance, the costs can range from $7,500 – $15,000. But if you don’t have insurance, then you’ll be looking at a much higher range between $12,600 – $28,500.

I had vaginal births and used midwives for my children, so my costs were actually below the lowest number above. While some things, such as using a midwife or more natural childbirth methods can be within your control, every experience will be different. So, if you want to reduce costs in this category, think about alternative methods to the more traditional hospital, drugs and surgery, whenever possible.

FOOD COSTS

Before children came, our food costs were a bit higher than average anyway. This is due to the fact that I have Celiac, am vegetarian and eat an organic diet. But, once children came around, the costs definitely increased. Luckily, as the children got older, we learned how to save a bundle on groceries but not skimp on quality.

Even though we eventually figured this out, having a new baby in the house can increase the food budget also. This is something that a lot of people don’t even think about, but there are a few reasons why this is.

This is due to a few things:

  1. Breastfeeding requires a higher maternal caloric intake
  2. Formula costs can be astronomical if you can’t breastfeed
  3. Solid baby food can be pretty pricey, even if you make it yourself

For most women who are breastfeeding, the increased caloric intake hovers around an extra 500 calories per day. These extra calories just to account for the body processes needed to produce the milk, which translates to an extra 20% more. Which means that you’ll need to budget an extra 20% into your grocery budget for the extra food needed.

If you can’t or don’t want to breastfeed, then you’ll be looking at formula feeding. The costs for this option will certainly be higher than breastfeeding. In fact the average costs to formula feed are between $1,138 – $1,188 per year.

Once your baby is old enough for solid food to be introduced, you’ll be looking at even more costs. The baby will still be on either breastmilk or formula at this time, so these costs will be in addition to the already aforementioned. Typically, baby food runs close to $1 per jar. And depending upon the age of the baby, they can eat anywhere from 2 – 5 jars a day.

This can translate to an extra $60 – $150 per month for solid baby food on top of the breastfeeding or formula costs. If you want to save a little bit of money in this category, breastfeed whenever possible and make your own baby food at home. Both can be much more time consuming, but can save you a bit of money in the long run for first year baby costs.

insurance BABY COSTS

One the baby is born, you’ll need to add them to your insurance plan. Just this action alone will cause your insurance premiums to increase. But just how much they will increase will depend upon your individual health insurance policy.

Due to each policy being unique, just how much your premium will increase can swing widely. But, the average rate increase per month typically runs between $250 – $400. Which means you can potentially be looking at spending an average of $3,000 – $4,800 more per year!

Please note that this increased cost still doesn’t account for the possible higher deductible you may have due to the increased family size.

CHILD CARE COSTS

Besides the birth of the baby, child care costs usually come in second with regard to overall increased costs. This is especially true if this is your first child. These costs alone are enough to make people start sweating because of the astronomical costs associated.

According to a recent report compiling data regarding child care expenses, the average a married couple spends on child care is 10% of their income. This number drastically increases if you happen to be a single parent to 36% of your income. What this typically means is that the average family is spending between $10,000 – $20,000 per year just for child care alone.

As someone who was a single parent, I can tell you that I certainly couldn’t afford to do this, which is why I only worked part time when I could find free help with my friends and family for my kids.

CLOTHING & Necessities COSTS

For those of you who haven’t spend much time around babies, they tend to require a lot of clothes. They are growing like crazy in the first year of life, plus they have a ton of accidents regularly. This means a lot more wardrobe changes than you may have ever considered could even be possible.

Depending upon the season when your baby is born and where you live, the average cost for baby clothes runs around $60 per month. However, this number doesn’t include other things you need for them such as:

  • Hairbrush
  • Haircuts
  • Blankets
  • Bedding
  • OTC medicine
  • Shampoo
  • Soap
  • Toothbrush
  • Toothpaste
  • Washcloths

Adding these things into your monthly budget can add an average of an extra $40. This means you may be looking at around $100 per month, or $1200 annually, for clothing and necessities.

Diapers

Don’t forget the diapers, because those can be pretty darn expensive also. I used cloth diapers for my kids, along with the wet washing method. So all I needed were the cloth diapers, a 5 gallon bucket and Borax. Since babies grow so much the first year of life, I needed 2 different sized adjustable diapers. The diapers ended up costing close to $500, which may sound like a lot, but it’s nothing when you compare it to how much disposable diapers cost. The current average cost of disposable diapers runs an average of $846 per year. This doesn’t include the wipes either, of course.

Overall baby costs

Ultimately, the bottom line regarding how much a baby costs in the first year can vary a lot. This depends upon a lot of different variables, such as:

  • Child birth = $4,900 – $28,500
  • Food = $1,320 – $2,988
  • Insurance = $3,000 – $4,800
  • Child care = $10,000 – $20,000
  • Clothing & Necessities = $1,200
  • Diapers = $500 – $846

That is a grand total (on average) of $20,920 – $58,334!

While this may seem like a huge chunk of money, budgeting ahead of time can help reduce the financial stress. And so can finding some good, frugal ways to reduce the overall costs on your end. By getting creative, you get to enjoy your baby and less financial stress.

How much did you find your baby costs to add up to in the first year alone?

My Favorite Frugal Fall Activities

To be honest, it’s really difficult for me to believe that the fall season is here again already. Although, it is my favorite season so I’m not really complaining. And it’s also my favorite time of the year to take advantage of as many outdoor activities as possible. Preferably for free, of course. So here are some of my all time favorite ways to ways to enjoy some frugal fall activities.

FESTIVALS

My family and I just love fall festivals! It seems as if every year there are more and more of them. Well, there were more and more of them before COVID hit. But, it looks like some of them are starting to come back. Which I’m pretty excited about. Due to that, the most difficult part is choosing which ones we want to attend.

Luckily for us, we live in an agricultural state. And this means there are lots of apple and pumpkin festivals popping up at our disposal. However, in addition to those there are also quite a few other festivals we’ve found to check out. Some of these include:

  • Arts and crafts festivals
  • Beer festivals
  • Corn festivals
  • Gluten-free festivals
  • Kids festivals
  • Oktoberfest
  • Pet festivals
  • Plant festivals
  • Renaissance-themed festivals
  • Scarecrow festivals
  • Vegetarian/Vegan festivals
  • Tree festivals
  • Wine festivals

Before COVID the list seemed endless, but since the pandemic hit, it seems that people are getting even more creative with their festivals. So, I’m interested to see what our options are this year. In most cases, the festivals we usually partake in don’t have a cost associated to get into which makes them great frugal fall activities. Although, some of them do ask for a donation, if you are feeling charitable. Others do require an entrance fee. So this is something to discern before you show up at a festival since you don’t want to blow your entire entertainment budget on just the entrance fee alone.

If you aren’t sure how to find festivals near you that fit your interests, it’s best to do a quick internet search to see if there is a master page with that information. For us here in North Carolina, I usually just check the NCFestivals.com website and it lists everything coming up, things in the past, cancelled events, etc. This tool has been extremely helpful to me in the past when it comes to planning out the festivals we really want to attend within our budget.

NATURE WALKS

Nature walks are some of my favorite things to do all year long. But during the fall they are so much better because the weather is cooler.

Even if you’re one of those people who lives in a sprawling city you can still find access to at least one nature trail. A lot of cities have recently been implementing more green spaces in their urban areas. The goal of this appears to be to get more residents outside for some fresh air and exercise, which boosts overall health. And the health of the citizens is extremely important to a city’s overall health and survival. Therefore, I always look for walking trails or greenway trails whenever I’m traveling, including around my own state.

One example of a great nature walk find we had was while we were on a family vacation in Greenville, SC. That city has done wonders with the natural river that runs through its downtown area by naturally incorporating it into their updated downtown vibe. Using the river as the focal piece, the city has created around it:

  • long greenway style walking trails
  • benches and swings for sitting and having conversations
  • native flowers and plants lining the walkways
  • awesome suspension bridges
  • an outdoor amphitheater with free productions

While this is just one of our favorite most recent finds, we have seen this sort of change in a lot of cities we have visited. Especially since COVID hit. So, even if you don’t live in an area that typically has a lot of hiking trails you can take advantage of, this may be another option to fully enjoy fall.

If you’re not sure what may be around you, Traillink is a great site to search for greenways and trails all over the country. You may just be surprised by how many walking trails and greenways have been right under your nose all of this time.

LEAF TOUR

Along the same lines as nature walks are leaf tours. These are some favorite pastimes of most people I know around here because of how many options we have nearby to appreciate the leaves changing. If you’re lucky enough, like us, to have deciduous trees near you, then this is a fantastic frugal fall activity to embark upon. Since it will only cost you the little bit of gas you may need to get there, if that.

But, if you have to drive to see the trees, you will have to pay more for gas and maybe food or lodging. However, if you choose this option, you could turn it into a frugal weekend getaway instead. And I’m all for that in the fall! Especially if there’s a way to combine every aforementioned fall activity into one weekend.

There is almost nothing else on earth as beautiful as watching the leaves change color. So take advantage of mother nature’s masterpiece if you can this fall. You won’t be disappointed.

parks and Rec

Parks and Rec has been one of my go to resources since my kids were small for free classes around me. Every state has a Parks and Recreation department where you can look up classes and events. In some cases, these can be free events, but others cost a minimal amount of money to participate in.

Just this year so far, we have engaged in the following free activities through this resource:

  • Birding classes
  • Nature hikes
  • Jewelry making classes
  • Art classes for kids
  • Dog hikes
  • Homeschool community groups

While this list may not seem long, these were all free, so I’m not complaining. There are some other classes that I’ve put my kids in since they’re homeschooled that have cost a minimal amount. These classes have certainly been worth it and I’m so grateful for this resource. So, if you aren’t sure what your state or city’s Parks and Rec department has to offer, I suggest looking it up because you may be surprised.

Frugal fall summary

Overall, there are so many great ways to take advantage of the fall season for free. It seems crazy to me that most people don’t even know about the options available to them in their area. But, with everything going on recently, I think more people have opened their eyes to the possibilities they were never aware of previously. And this can only be a boon to all cities and states across the United States.

Ultimately, get outside and check out what your city has to offer. Check out the festivals that may be going on around you, take some nature walks, go on a leaf tour or two, and check out what your Parks and Rec department has available. You won’t be disappointed in your options and you may even be pleasantly surprised.

What are some of the best ways you have been able to enjoy some frugal fall activities in your area?

My Favorite Frugal Immunity Booster

When it comes to cold and flu season, there are a lot of things we can do to help keep ourselves healthy. But, even the strongest of us can sometimes use a boost. Even though I very rarely feel off kilter at all, there are times that even I need a little help. And when this happens, I go to my favorite frugal immunity booster to kick things before they really begin.

Apple Cider Vinegar

The first and foremost ingredient in any immunity booster I use is apple cider vinegar. While I have never been a huge fan of any vinegar taste, or smell, I can tolerate this one a bit better than most others. It helps that I only need to use about 1 Tbsp of it per warm drink at a time.

Apple cider vinegar has a ton of immunity boosting properties. Some of the most potent and common are:

  • Antimicrobial due to high level of acetic acid
  • Antiviral
  • Helps lymphatic drainage
  • Helps restore a more alkaline pH
  • High in antioxidants
  • Improves circulation
  • Prebiotics that help boost microbiome immunity
  • Reduces blood sugar levels
  • Reduces inflammation
  • Thins out respiratory mucous
  • Weight loss assistance

This list of benefits is pretty darn long and shows that apple cider vinegar can really help total overall health. And when it comes to buying apple cider vinegar, you want to make sure to purchase one with the mother in it. Since the mother is the healthiest part of the apple cider vinegar, you want to make sure you have one with it. If your apple cider vinegar is cloudy then you can bet the mother is still present.

And, in addition to that, I always go organic to help avoid any potential pesticides and herbicides that might still be present. After all, those would negate the positive immunity boosting properties of the apple cider vinegar to begin with.

Spices

I may start my immunity booster out with apple cider vinegar, but that isn’t where it ends. To help complete my powerhouse, I usually add the following spices also:

  • Cinnamon
  • Turmeric
  • Ginger
  • Cayenne

I suggest starting with 1/4 tsp of each to see how you handle the effects and the taste. As not all of us are fond of all 4 of these spices. I know that I generally prefer much less cayenne and ginger than the other 2 in my drink. But, all of these are added for a specific reason to help boost immunity. These are:

  • Cinnamon is high in antioxidants, antiviral, antimicrobial and anti-inflammatory properties
  • Turmeric is high in curcumin which is a strong anti-inflammatory
  • Ginger has many anti-oxidative and anti-inflammatory benefits
  • Cayenne contains capsaicin which can help reduce inflammation and treat colds and congestion
  • Add a bit of each to your apple cider vinegar in a mug and either stir or whisk. I personally prefer whisking because I feel that it gets a more uniform distribution throughout that way.

A Touch of Sweetness

After I have my apple cider vinegar and spices, a bit of sweetness is next. The best go-to I’ve found is local honey, but you can also use organic agave instead if you prefer. When it comes to boosting immunity though, local honey is a much better option. The reason is due to the fact that local honey tends to have:

  • Antibacterial properties
  • Antifungal properties
  • Antimicrobial properties
  • Antioxidants
  • Helps heal wounds
  • Can alleviate allergies to local allergens
  • Assists with sore throats
  • High in phytonutrients

As if these potential positive side effects weren’t enough, buying local honey helps local farmers. And I am always a fan of that! I usually only add between 1/2 – 1 Tbsp to each cup of my immune boosting drink, but you can add as much as you’d like. I would suggest less is more here though because you don’t want to risk spiking your blood sugar, as that would have the opposite side effect you’re going for.

Immunity Booster Summary

Once I have all of my aforementioned ingredients, I then add boiling water from a tea kettle and stir. If you want to get really fancy, you can add an apple slice and/or use a real cinnamon stick to stir it with instead of adding cinnamon powder.

Overall, this drink costs me very little to make, depending upon which ingredients I choose to purchase. And, since it is such a powerhouse when it comes to boosting my immunity, it helps to keep me well all winter long. By doing so, I eliminate trips to the doctor for weather related illnesses and am able to keep more money, and time. I call this a winter win-win!

Have you tried a drink like this to help boost your immunity? If so, what were the results?

How to Create a Frugal and Delicious Salad Dressing

If you’re someone, like me, who loves a good salad, then this article is for you. I detest the store bought salad dressings. Not only are they much too expensive for what you get, but I am not a fan of the ingredients. Plus, when you make your own salad dressing, you can give it any flavor you want. And for so much cheaper, and healthier, than any of the store bought stuff. So, if you want to make your own delicious salad dressing, frugally, then read on.

Olive Oil

When it comes to a good salad dressing base, olive oil is the way to go. Not only is it full of good healthy Omega 3 fats, but it’s extremely diverse. There are many different types of olive oil you can go with, so the price points will vary. I typically prefer to use Extra Virgin Olive Oil from the Greek region when possible. Sometimes I’ll go with the Italian olive oil if I can’t find any of my usual Greek stuff.

Usually, I’m able to find a few different options at Trader Joe’s. More often than not, I will spend between $6.99 – $8.99 for a bottle. This bottle can typically last me close to a month. But, if you want to get really fancy, and your budget will allow it, you could check out one of the olive oil and vinegar stores. This option is a big splurge for us. But, every now and then we get a wild hair and decide to purchase some of the flavor infused olive oils.

Balsamic Vinegar

Once you have your olive oil sorted out, next comes the balsamic vinegar. I can tell you that I was not a fan of vinegar for the majority of my life. Until my spouse opened my eyes to the fact that not all vinegar’s are created equally. I had apparently only been exposed to more of the table vinegar, which is not nearly as flavorful as balsamic is.

Once he opened my eyes to the diverse, and robust, flavor profiles of balsamic vinegar, my world changed. Currently, we have 5 different balsamic vinegar choices to use in our salad dressings. We have:

  • Mission Fig
  • Neapolitan Herb
  • Plum
  • Oak Aged
  • Cherry Wood Aged

All of these have completely different flavors and work well with certain foods. My two favorites currently are the Mission Fig and the Cherry Wood Aged because I love the little bit of sweetness they have that the others don’t. Depending upon what I put in my salad is how I determine which option might work the best.

And just like with olive oil, balsamic vinegar prices can range widely. The 5 we have range between $4.99 – $12.99 per bottle. So, if you haven’t dipped your toe into the balsamic vinegar land yet, it might be best to start out with one of the cheaper options to see if you like it. I can tell you that the more expensive ones tend to be a bit more balanced and smooth though.

Spices

After you have the olive oil and vinegar worked out, the last thing to add are your spices. A lot of people only think about adding salt or pepper to their dressings. We don’t actually add either regularly. In fact, I never add salt of any kind to my salad dressings. Sometimes I will add some cracked black pepper. But, typically I like to add some spice blends that are already made because they change the flavor so much.

I get a lot of my spice blends from Trader Joe’s. They do a good job of creating some delicious, and interesting choices. Plus, all of their spices are pretty darn frugal. My favorites recently are:

  • 21 Salute
  • South African Smoke
  • Chili Lime Seasoning Blend
  • Cuban Style Citrusy Garlic
  • Ajika Georgian Seasoning Blend

Out of all of these, my two favorite go-to’s lately are the 21 Salute and the Ajika Georgian. The former is a bit more on the herby side, while the latter is more on the smokey side. And most of the time I can find these spices for somewhere between $2.99-$3.99.

How to put together your salad dressing

How you choose to put together your salad dressing is completely up to you. But we typically do it one of two ways. The first way we make it is our most common since it makes things easy to switch up daily.

All we do is pour some olive oil on the salad greens, followed by the balsamic vinegar of our choosing. Sprinkle the spice blend on top of that and use your hands to mix the whole thing around.

If you want to make a larger batch, then I suggest a 3:1 proportion of olive oil to balsamic. Then add your spices to taste. Put all of this in an old salad dressing container or empty bottle that will store well. Shake it up and pour over your salad. Since all of these items are shelf stable, you don’t need to refrigerate this dressing either.

Salad Dressing Summary

Overall, it’s exceptionally easy to make your own salad dressing that’s both delicious and frugal. Just mix all of your ingredients together and mix up with your salad greens. If I purchase my ingredients on the lower end of the price points, then I’m looking at somewhere around $15 for a good month of so of salad dressing. Maybe even longer if I stretch it out, since you don’t need as much of this type of dressing. A little goes a long way with the olive oil based dressings.

If you’ve tried making your own salad dressing before, what has been your favorite way to make it frugal, delicious and healthy?

How to Frugally Feed Your Dog, Yet Well

When it comes to being a pet owner, there are so many ways to feed your dog that it can make my head spin. The amount of misinformation floating around out there is mind blowing, to be honest. Plus there’s the amount of dog foods and treats that are exceptionally overpriced but really not great for your dog. It’s amazing to me how many choices there are today, and how little cohesion there is between experts as to what is actually good for your dog.

Luckily for me, I have an educational background in this specific area. So, when we got a puppy last winter, it was much easier for me to weed through the noise. And by doing so, I’ve been able to find the best options for puppy, and all other dogs and cats we help through our business. So, the following are my best tips to help you frugally feed your dog, yet well.

Dog snacks

Besides dog food, the first thing I think of when it comes to feeding dogs are snacks. Most people only think of treats. But treats should be just that; only a treat. With dog snacks, these are things I add in regularly throughout the day or week to supplement feeding time. Plus, a lot of these work really well for training dogs too.

My favorite go-to dog snacks (always organic as long as I can find them) are:

  • Baby carrots – high in Vitamin C, Antioxidants, Fiber and Potassium
  • Sugar snap peas – high in Vitamin C, Vitamin K, Antioxidants and Fiber
  • Green beans – high in Vitamin C, Vitamin K, Folate, Silicone and Fiber
  • Beets (all colors) – high in Vitamin C, Vitamin B9, Iron, Fiber and Potassium
  • Salad greens – high in Magnesium, Vitamin A, Vitamin C, Fiber, Folate, Calcium and Beta Carotene
  • Nuts (usually peanuts or chestnuts, but sometime also walnuts, pecans, cashews and/or pistachios) – with all nuts, they shouldn’t be given too many of them but can be an addition to other snacks. I usually only give nuts maybe once a week or so, and even then only 1 or 2. Nuts are high in protein and can have a lot of other health benefits. But they can also cause issues if there is mold cross-contamination or if your dog has any gastrointestinal issues or are prone to swallowing things whole.

food additions

When it comes to dog food, that is probably a completely different article. However, since dog food can be so expensive, I’ve found ways to stretch it further. By adding some good, healthy food additions to my dog’s food, I am able to save a lot of money. Plus, I’m able to give her some added diversity in her diet. By creating diversity in my dog’s diet, I am assisting her gut microbiome health. And this directly impacts her overall immunity and wellness.

I not only add some of these food additions to our dog’s diet, but also for some of the dogs we watch. This is especially true of the older dogs or dogs who already have some health issues.

  • Organic beef broth – fantastic for dogs with arthritis or any other joint issues
  • Brown rice – high in Fiber and Magnesium, plus it stretches the food out much further
  • Organic low-sodium vegetable broth – perfect for introducing more vegetables into your dog’s diet and stretching their food further
  • Coconut oil – great for skin, coat, eyes, teeth, digestive tract, immune system, breath, etc
  • Green sauce (we make it out of organic beef broth and parsley, but sometimes add in some rosemary also if we have any fresh growing in our garden) – this helps tremendously with dogs that have UTI’s digestive issues and/or arthritis.

Our puppy gets a tablespoon of coconut oil added to one of her meals a day. She has had this since the day we brought her home. We have also added some beef broth into her meal a few times a week for added diversity.

dog treats

Dog treats should be treated just like dessert for us humans. And most dog owner’s have a tendency to give way too many treats. When doing this, you can cause a lot of harmful side effects for your fur baby, on top of the most common, obesity. Therefore, if you want to give treats, that’s awesome, but limit them to just treats.

We only give treats very sporadically so that they aren’t an expected part of any routine. We did use them more when we were housebreaking our puppy, but that is generally to be expected. Outside of that, I only give them sparingly. And I make sure they are high quality treats and not full of junk.

That being said, I am not a huge fan of most dog treats on the market. But a few of my favorites are:

While these may seem a bit pricey online, I’ve actually been able to find them for dirt cheap at Marshalls, TJ Maxx and Homegoods. So I would suggest roaming the pet aisle there regularly to see what treats you can find to feed your dog.

frugally feed your dog summary

Ultimately, when it comes to feeding your dog, there are a lot of different ways you can save money. While we all love our dogs, we don’t have to break the bank to do it. So, just remember to add in some:

  • healthy snacks
  • good food additions to stretch your budget further
  • healthy dog treats

If you’re able to do even one of those, it should not only save you some money, but also create a happier dog. Now who doesn’t want that?

Why I Love Swagbucks to Make Money Taking Surveys

In a lot of cases, surveys may not sound like a lot of fun. They can be pretty time consuming and aren’t always relevant. But, I’ve found one consistently good survey site to earn money on that has a multitude of ways to earn money. This site is Swagbucks. And they haven’t steered me wrong yet. So, here are the many reasons why I love Swagbucks to make a little bit of side cash.

How Swagbucks works

When you first sign up for Swagbucks, it may seem a bit overwhelming. They will want you to fill out a lot of personal information right out of the gate. But all of this is necessary for them to send you your rewards. And of course for their own marketing purposes. They also want to make sure that they are catering the surveys and tasks to your personal life.

This is important because the more specific you are with the answers you provide, the better they are able to match surveys to you. And by doing this they, and you waste less time in the grand scheme of things. I know, for me, I prefer to only take surveys that are relevant to my life currently. So, while this step can be the most time consuming of the whole onboarding process, it’s the most important.

Once you finish the initial sign-up process, Swagbucks will grant you with some initial SB to add to your account. Everything you do on the site, or through the desktop extension can earn you more SB. Once you have SB in your account, you can begin looking at different cash out options to use your rewards.

how to earn swagbucks

Once you’ve signed up, there will be quite a few options on the home screen to begin earning more Swagbucks. My favorite option is to take surveys. And this is a really easy thing to do while I’m stuck in the carpool line or waiting for dinner to finish cooking. I’m all about multi-tasking!

Another really good way to earn Swagbucks is by using the extension when shopping online. This is similar to Honey, Rakuten and Capital One Shopping. All of these sites will pop up when I’m shopping online to let me know if there are rebates or coupon codes they can try to save me money. Well, Swagbucks is similar but instead I can earn Swagbucks for my purchases. I usually use this option once I’ve tried the coupon codes on the other extensions and none of them work. Because, either way, I’d like to earn something for my online shopping purchases.

Another really great way to earn SB is by using their Magic Receipts option. This let’s you upload your receipts from certain stores and earn SB for purchases of certain items. It’s similar to how Ibotta works, except that you don’t earn actual cash back, but SB instead. Of course, SB can be turned into cash, so it’s really all the same in the end. And the best way to hack this is to turn your receipts in through Swagbucks Magic Receipts, Ibotta and Receipt Hog. Now, you’re really saving a bundle on groceries!

As if this weren’t enough of a reason to give them a try, you can also earn SB by donating to charities, watching videos and playing some mobile games.

what can you use your swagbucks for?

Once you’ve earned enough SB, you can start redeeming them for a myriad of different things. The most popular thing to redeem them for (and what I have always done to date) are gift cards. They offer a ton of different gift card options, as well as monetary values to choose from. Some of the most popular choices are:

  • Amazon
  • Visa gift card
  • American Express gift card
  • Home Depot
  • Walmart
  • Bath & Body Works
  • Google Play
  • CVS
  • Sony PlayStation
  • Door Dash
  • Apple Store
  • Target
  • The list goes on!

On top of this, they regularly have “sales” on their gift cards. This means you can purchase them for less SB than you normally would. So, if you want to get even more side cash, it’s good to keep an eye on the gift cards that are on sale and try to redeem your SB towards one of those.

Gift cards are the primary way to redeem SB, but they do also offer PayPal cash. So this is another good option if you don’t want any of the gift cards they have to offer. Or if you just need money in your PayPal account for an upcoming purchase.

summary

Ultimately, there are so many great things about Swagbucks that it’s hard for me to say anything bad about them. While you may not make a ton of money performing the activities on their site, you can also save some money by using them on regular purchases. It seems like they get more and more robust with their offerings each year, so I’m interested to see what they roll out with next. No matter what, if you haven’t given them a try yet, you’ve really got nothing to lose.

Have you tried taking surveys on Swagbucks to earn some extra side cash? If so, how has your experience been?

How Getting an Air Fryer Has Saved Time and Money

We’ve been holdouts on the air fryer hype. It’s not that we didn’t necessarily see the potential. It’s just that we have so many kitchen appliances and gadgets already. And we didn’t know if we really wanted to spend more money on something we might only use occasionally. But, a few friends convinced us to research them some more. We were told that getting an air fryer has saved them a ton of time and some money also. So, after some research, we decided to dive right in.

Deciding which air fryer to get

The first thing we had to decide was which air fryer would suite us best. Since we have 5 kids, we knew we would need something a bit bigger than the norm. One of our friends has a two basket air fryer. But the $400 price tag was a bit more than we planned to spend on an experiment. After all, we were hoping to use the air fryer to help incorporate even more healthy foods for the kids. But we didn’t want to spend an arm and a leg to do so.

Another friend told us about the air fryer he had. While it only had one basket, it was a larger basket than most other air fryers. Plus, it was a multi-function tool also. This particular air fryer could replace the toaster and the oven. It could bake, broil, toast and air fry. Which was pretty cool in our book!

Therefore, we ended up getting the Cuisinart TOA-60 for under $200. Which was half the cost of the other one we were recommended! We chose the black stainless steel color because all of the other appliances in our kitchen are either black or are being converted to black.

How it has saved us time

So far, this thing has saved us an amazing amount of time. This is due to the fact that it cooks so much faster than our double oven does. Plus, we don’t have to wait for it to heat up either. As soon as we put food into the air frying basket, we can pop it in. We just choose the setting we want, the amount of cook time and then turn it on.

A great example of this is sweet potato fries. Normally, it takes our oven about 10 minutes to heat up. Then, the fries have to cook for anywhere between 22 – 28 minutes. But with our new air fryer, they only take 10 minutes to cook, max. And no heating up time required!

We can also prepare meals faster with it because we are using it in addition to our oven. When we have multiple dishes that need to be cooked, we choose the longest cook time items to go in there. This way we are able to get the food out faster, so we spend more time with our family instead of in the kitchen.

And the clean up is super fast also. The fryer basket comes with a pan underneath it that we just take out and clean with warm soapy water. Or, sometimes we put foil on the pan to make clean up even faster.

How it has saved us money

Let’s face it, electricity costs money. And if we have to wait for our oven to preheat for at least 10 minutes, plus add in the cooking time, that’s a lot of electricity being used. Since we are trying to cut down on our electricity bill, it only made sense to try out the air fryer.

By cooking what we can in the new kitchen device instead of our old oven, it has saved us money right out of the gate. The air fryer cost less than a new more energy efficient oven and it has a lot of space for cooking. Plus, it cooks in anywhere from 1/4 – 1/3 the time of our oven. And it pulls less power to operate also. So, we are interested to see if our next electric bill reflects this change.

Air Fryer summary

Ultimately, we are thrilled that we finally took the leap to get one of these bad boys. If you are thinking about taking the plunge, it’s best to determine your needs first. There are so many different sizes, looks and versions on the market. Therefore, there is bound to be a good fit for you within your price range. And even though $200 was more than we originally wanted to spend on an air fryer, it has totally been worth every penny. We just can’t get enough of this thing!

Have you bought an air fryer yet? If so, how has it helped you save time and/or money?

These are Awesome Natural Mosquito Repellents!

With the spring almost here, the warmer weather is upon us. And, in a lot of areas, that means it’s also time for mosquitoes to start showing back up again. I know where we are, it’s the bane of our outdoor time. Mosquitoes are not only annoying, but can carry disease, along with some major scratching once you’ve been bitten. We aren’t fans of anything chemical to treat them with, since those things cause other side effects to the environment. Plus they can get pretty expensive to maintain also. So, we’ve found some of the best natural mosquito repellents that do the job well and don’t cost  much to implement.

Citronella

Citronella is one of my favorite go to plants for mosquito repellents. If you’ve ever had a citronella scented candle you know what it smells like. And, while it can be a pretty darn good mosquito repellent, not everyone likes the smell.

What I’ve found is that the actual citronella plant has a slightly different odor that I like much better. It’s not as artificial smelling and keeps the mosquitoes away pretty darn well. Plus, they make beautiful borders for garden beds because they can get very full and have beautiful leaves.

An even better way to keep the mosquitoes away with citronella is to crush up a couple of the leaves and rub them on your exposed skin.

Lavender

Lavender is very similar to the citronella plant at repelling mosquitoes. But, it has much more color to add to your garden or landscaping. One of my favorite places to plant the lavender plant is by the front porch. This way, guests get the lovely scent of lavender as they approach our front door. But, as a double bonus, the plants also help keep the mosquitoes at bay.

I like to crush up a stalk of lavender and rub it on my skin whenever I am getting ready to garden. But another great way to use it is to make a spray out of the lavender essential oil, since it is so easy to come by.

basil

Out of all of the mosquito repellents, basil is my absolute favorite option. A big part of this is that we use a lot of basil in our cooking already. So the basil plant has a double function in our house right out of the gate.

I like to plant this one in the corners of our herb garden to help mosquito prevention while I’m working in the garden. Take one or two leaves and crush them up in your hands and then rub on the exposed skin. It makes you smell like a delicious salad, which I love!

rosemary

Rosemary serves the same function as basil does. So, the rosemary plant is a good option to add into your border rotation in the garden along with the basil. And, if you like to add rosemary to your culinary dishes, then this plant serves two purposes for you immediately also. Plus, rosemary is pretty darn easy to grow.

But, you should be careful with rosemary because it doesn’t take much for it to take over your garden. It’s a vigorous grower. So, I’ve found the best way to incorporate it into our garden is by putting it in big pots. This way I can also move them around, if need be, but they also won’t take over any of my other crops.

marigolds

Marigolds are very popular in most areas of the United States. These plants are brightly colored and make great borders for landscaping beds and/or around mailboxes. I’ve used them quite a few times for both their color and their mosquito repellent properties.

Usually, the marigold plant can be found in shades of yellow, gold, orange and tinges of red. So they make great additions to most landscapes. They are extremely easy to plant and care for, and are fantastic insect repellents. I like to plant these around the edges of where my kids play and in some of the corners of landscaping beds. But, since they are annuals, they will have to be replanted each year. Which I am not a huge fan of. But since they are pretty darn cost effective, it can be worth it to purchase a few plants each year.

geraniums

Geraniums are very similar to marigolds in that they come in some beautiful coloring options. More often than not, I put these in a pot on the front and back porches. And that is usually where I find other people tend to put them also. They are easy to grow and care for, and in a lot of cases can bloom all year long.

They don’t do well in the cold though. So if you choose to add the geranium plant into your rotation, it’s best to pot it. This way you can bring it in when it gets cold and enjoy the beautiful colors and aroma inside during the winter.

best natural mosquito repellents summary

Ultimately, there are quite a few natural ways to repel mosquitoes. But, my favorite ways all include plants. Luckily, none of these plant options are very expensive. And most of them are perennials, so you won’t necessarily have to repurchase them every year, if conditions are right. If you plan it out right, you can get some lovely smelling and looking additions to your landscape and repel mosquitoes at the same time. This is what I call multitasking!

How to Save a Ton by Switching From Disposable Products

Even before everything with COVID-19 was happening, we were always looking for ways to save money around the house. Plus, we continually strive to be more “green” every year and help the environment. And what I’ve found is that there are a ton of ways to merry both saving money and going green together. The best way we have found to achieve both goals is by switching from disposable products whenever, and wherever we can.

Paper towels

When it comes to disposable products, we didn’t use a ton of them to begin with. But, I knew there will still places that we could work on. And paper towels just happened to be a big one for us. With 5 kids and boarding a ton of different dogs, there are always messes to clean up.

While it may not seem that paper towels cost a lot of money, what they do cost can actually really add up. If we go with a 10 year projection, it’s easier to see the real savings by switching from disposable products.

Our family goes through about 1 roll of paper towels per week. If we purchase a package of 8 rolls for $17, that package will last us approximately 8 weeks, or 2 months. Which means, that for a year’s supply of paper towels we will be spending about $110.50, before tax. So, over 10 years, we would spend $1105 on paper towels. That’s a heck of a lot on just this one disposable product!

However, we decided to toss out the paper towels and go with a reusable, washable version of paper towel instead. The product we chose is Lola Wowables 30 count roll for $19.99. They come in 4 different colors: yellow, teal, purple and coral. We chose teal because that color matches our kitchen best. The website offers free shipping on orders of $40 or more, so we chose to purchase 2 rolls to save us the shipping cost.

Overall Savings

Since these reusable paper towels are washable and biodegradable, they last for a really LONG time! In fact, based on the aforementioned usage, one roll should last us a total of 2 years. Which means that by buying the 2 rolls at once, we should have 4 years worth of paper towels on hand. And we paid a total of $40 plus tax for that!

So, over a 10 year period of time, we should only have to spend a total of $100 on these fabulously bright and absorbent reusable paper towels versus the $1105 we would have spent on disposable products. That’s a huge savings in just this one category alone!

water bottles

Our family strives to drink more than the recommended 64 ounces of water per day. Which means that we all end up needing water bottles because we aren’t always at home. And with a family of 7, that could really add up if we were buying bottled water all the time.

In order to just get the 64 ounces per day, each of us would have to drink 4 bottles of water per day. This is based on the standard 16.9 ounce prepackaged water bottle size you find in stores. Which means we would go through 28 bottles of water per day, on average. We can get a 24 pack of water bottles for around $3.50. But, one package wouldn’t even be enough for one day of water for us, since we have 7 people in our family.

Therefore, in order to get enough water bottles for a year, we would need to purchase 426 cases of water (24 bottles in each case). This would total up to $1491 plus tax just in water bottles for 1 year, or $14,910 over 10 years That is a TON of money!

But, by switching to reusable metal water bottles, we have saved a ridiculous amount of money just in the first year alone. We found these really awesome, larger and more versatile reusable metal water bottles instead. The Extremus Deluge SS Wide Mouth water bottle usually sells for $20.99 per bottle and comes in 6 different colors. We were actually able to get them for a discounted rate since Amazon had them on sale for $16.79 when we found them, so we have saved even more. And, they come with 2 different handles, a carabiner and a smaller lid that screws off only at the mouth hole, which we really liked.

Overall Savings

These water bottles should easily last for 10 years, barring any child accidents. So, with that in mind, we have spent a total of $146.93 plus tax for all 7 bottles. So, if they last the full 10 years, this means we will have save a total of $14,763.07. Now, that is a not only a HUGE savings, but it also has a giant impact on the environment. Reusable water bottles for the win!

switching from disposable products summary

Overall, there are a lot of ways you can choose to go about this. But, ultimately, the more open minded you can be about getting rid of disposable products, the more money you can potentially save. Our biggest savings come from the paper towels and water bottles category, personally. But that doesn’t mean you can’t save in every category. No matter what, the more disposable products you get rid of, the greener you are and the more you can save.

What are some of the disposable products you’ve tossed to ultimately save more money and go green?