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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?

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?

4 Ways to Frugally Travel With Your Pet

Since most of us have not gotten our travel fix in the past year or so, it’s about time to hit the road again. And we aren’t any different in that we can’t wait to explore the world again. But, now that we have our own pet, we had to look into ways to reduce the costs. Therefore, here are the 4 best ways we’ve found to frugally travel with your pet.

1. DRIVING

One of our favorite options, and usually the cheapest when traveling, is driving. Of course, isn’t always an option, depending upon where you live and where you’re going. But, if it’s a viable option, it can save you a ton of money. Plus, you get the experience of seeing things on the road that you would otherwise miss.

We’ve really enjoyed our summer road trips because we run across so many things we didn’t even know existed. And if you are traveling with a pet, like we are, this can make the whole trip easier. It gives us a chance to travel as a whole family, but doesn’t add too much more cost to our travel budget. And since we’ll probably need to stop more often for potty breaks, we’ll have more of a chance to stretch our legs and check out our surroundings.

2. TRUSTED HOUSESITTERS

As soon as I found out about Trusted Housesitters, I fell in love with the idea. Trusted Housesitters pairs people needing a pet sitter while they’re away with others who want to watch their pets, and their homes, in exchange for free lodging. Since we are huge fans of both pets and free lodging, it’s hard to go wrong here.

Not all Trusted Housesitters options will allow you to bring your own pet with you. So, you’ll need to narrow down your options within the platform to only allow those that do.

If you know the dates you want to travel, then you can search anywhere around the world for options. But, if you’re choosing to save as much as possible when you travel with your pet, you should probably only consider options that are within driving distance. Pairing the two options together can really help you save a ton of money. This is because the driving and the lodging won’t cost you anything extra at all to bring your pet with you. Huge bonus!

3. AIRBNB

Airbnb is another great option when you want to frugally travel with your pet. While it will cost money, unlike Trusted Housesitters, the fee to bring your pet can be nominal. And, since Airbnb is offered in nearly every country, the possibilities of where you can travel are fairly limitless.

With Airbnb, the host will note if pets are allowed and which type. You can even filter your possible options by going to the Airbnb Pet-Friendly link directly.

If you aren’t sure where you want to go yet, all you have to do is enter the following information to pull up a ton of choices:

  • Check-in date
  • Check-out date
  • How many adults
  • How many children
  • How many pets

Once again, though, if you want to save the most money, it’s wiser to choose options that are within driving distance. Flying with a pet can get pretty pricey, depending upon the airline and the size of your pet.

4. pet friendly NO COST HOTELS

Most hotels charge an additional pet fee to have your pet stay with you. Mostly, this is because of the extra cost of cleaning up after your pet when you leave. And if your pet destroys anything in the room (due to scratching or chewing) the fees can really add up. Hotels aren’t generally big fans of this, so their added pet fees reflect their attitude towards pet destruction.

Luckily, a few hotels have become a lot more pet friendly because they want to attract a different audience. Therefore, these 4 hotels may be the best bet for you to frugally travel with your pet at no extra cost.

ALOFT HOTELS

Aloft hotels will let any pet under 40 pounds stay for free. Plus, they also offer complimentary bowls, blankets and toys upon request. Pretty awesome, right?

KIMPTON HOTELS

The Kimpton hotel chain don’t have pet fees for just your cats and dogs, but other pets as well. This hotel chain usually offer beds, bowls, blankets and treats. But some of them are even fancier and offer more pet amenities, including pet massages! Plus, each hotel has a Director of Pet Relations and a Pet Concierge that can help pet owners find anything they might need to make their stay even better. This is really cool!

MOTEL 6

If you’re looking at more of a motel option, then you may want to check out Motel 6. will let up to two service dogs or well behave pets stay for free. They will even let your children stay for free too, as long as they are well behaved!

RED ROOF INN

Red Roof Inn is another lower cost option, like Motel 6. They will let up to one pet per guest room stay for free. The weight limit can vary between property types though. So, it can be either up to 40 pounds or up to 80 pounds, based on whether it’s a Red Collection property or any of the other Red Roof Inn property types.

TRAVEL WITH YOUR PET SUMMARY

Ultimately, there are so many awesome ways to frugally travel with your pets for low or no additional cost. Some of our favorites are:

  • Driving
  • Trusted Housesitters
  • Airbnb
  • Pet friendly no cost hotels

Overall, I always want to have the best experience with my family (pets included) for as little as I can get away with. So, combining driving with one of the other options is the best way to achieve that, in my book, at least.

What are some of the best ways you’ve found to frugally travel with your pet?

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?

Some of My Favorite Shopping Apps This Holiday Season

The holidays are upon us once again. And with only a few shopping days left, we have to make the most of it. But, with holiday shopping can sometimes come holiday debt. That is the last thing any of us want. Therefore, I have found some great shopping apps that can help you save more money. Plus, they can be used all year long for any shopping possible to save even more. This is what I call a shopping win!

 IBOTTA

Ibotta has been one of my favorite shopping apps for quite awhile now. With Ibotta, you can either shop in person or online. If you choose to shop online, you have to shop directly within the Ibotta app in order to get the rebate. If you shop in person, you have to upload an image of your receipt in the app to get the rebate.

A lot of the rebates go across multiple stores, which makes shopping even easier. However, I usually look up the store I am planning to shop at first to see what Ibotta rebates are being currently offered first. Then, if I find items that I am thinking about buying, I will see which other stores they might be offered at within Ibotta. Once you find items you plan to purchase, then click the plus sign to add them to your list before you can earn the rebate.

Once you go through all of the steps, your rebate will show up in your Ibotta account fairly quickly. Sometimes I have seen mine as quickly as 5 minutes later. But more often than not, I see the rebate the next day. Some stores are now automatically connected to your shopping rewards number with that store. And in those cases, the rebates will be automatically added to your account within 24 hours. I like this even more because I don’t have to scan anything. Just remember to use your store shopping rewards information when you check out in store so that you can get the Ibotta rewards.

Cash Out Ibotta Rewards

But that’s not the only way to earn money with Ibotta. They have regular rewards categories and group participation bonuses to help you earn more faster. Click under the “Earn More” tab to find other ways to add more money to your account. Some of the ways to earn more include:

  • refer a friend
  • working with your team to hit the monthly bonus amount
  • purchasing a specific featured product
  • purchasing a specific group of products

Once your Ibotta account reaches $20, you can cash it out. PayPal is the primary way to redeem your Ibotta rewards, but they also offer some gift card options too. In fact, I just recently cashed out my Ibotta rewards balance for an Amazon gift card. And then I used that gift card to buy Christmas presents for the family. Now that’s a win!

RAKUTEN EBATES

Another one of my favorite apps/extensions is Rakuten. I have this on both my computer as an extension and on my phone as an app. If you put it on your computer, then it runs in the background anytime you are shopping on a website. It will pop up and tell you if there are any current rebate offers for that seller. Which, during the holiday season, are much higher than normal, so take advantage!

If there is a current rebate with Rakuten, then just click on the “Activate % Cash Back” button at the top right-hand side of your screen. Once you’ve completed that, you are on your way to getting cash back rebates.

If you choose to use the app on your phone, you have to launch your shopping trip directly from the app, just like Ibotta. Once you purchase something that qualifies for a rebate, you’ll get an email with the store and the amount you will receive. That amount will be deposited into your Rakuten account within a couple of days, usually.

Their cash out method is slightly different than Ibotta, though. They send a “Big Fat Check” every quarter for whatever you happen to have in your account. It can be sent as a physical check or you can connect your bank account for them to direct deposit it to. I prefer the latter method, personally.

Honey

Honey is another app/extension that I have been using for years now. This one is very similar to both Ibotta and Rakuten. Except that it helps to find coupon codes online and then apply them to your checkout order to save you money.

Any time you shop online, Honey will pop up on merchant pages that they work with to tell you how many coupon codes they have. When you are ready to check out, just click on the pop up and it will run through all of the coupon codes to see which one gets you the biggest discount, if any. Then it will automatically apply it. This can potentially save a lot of time scouring the internet for coupon codes. And I know it has helped me save a lot of money that I otherwise might not have.

On top of saving you money on your purchases, you could also qualify to earn Honey Gold. The gold points accumulate in your account until you reach a minimum of 1,000 coins and then you can cash them out for gift card rewards. It just doesn’t get any sweeter!

COUPONCABIN

CouponCabin is another hybrid app, like Honey. They not only have coupons for thousands of different websites, but they also offer rebates up to 10% off on some sites. Take, for example, right now they have a $100 bonus on any order over $100 purchased from Kohl’s. That can really help you ring in the savings this holiday season!

Plus, you get a $2 bonus cash back reward just for signing up. And if you add the app to your phone and shop within a certain amount of time, you get another $5 bonus. The payout methods are a little more diverse than some of the other options. With CouponCabin, you can cash out your balance to:

  • Amazon gift card (they give you an extra 10% back for using this method)
  • Check
  • Chase payments
  • Charitable donation
  • Direct deposit
  • PayPal

This gives you a lot more leeway with what you can do with your rewards.

BEST Holiday Shopping APPS SUMMARY

Ultimately, there isn’t much time left to get your holiday shopping done. But, by adding some, or all of these shopping apps to your arsenal, you are bound to save more money. Plus, you can even earn money for future purchases. Which is what I call a huge holiday win-win!

What are some of your favorite shopping apps?

How to Change Your Debt Mindset

When it comes to being in debt, we all have a lot of preconceived notions surrounding the situation. After all, nobody wants to be in debt. But, in today’s society, it is very common to start out adulthood in debt right out of the gate. And even if you get to a point where you are able to get out of debt, it can be so easy to slip right back into it. So, if you are currently in debt, there are some great ways to change your debt mindset to help you finally get out of debt. And hopefully stay out of debt, while you are at it.

How you got into debt in the first place

The first step to changing your debt mindset, is to take a very hard look at how you got there. After all, if you don’t know how you got there to begin with, you can easily fall right back into debt.

So, begin really taking a deep dive into your financial past. This includes not only how you have been spending money, but how those money habits and beliefs formed in the first place. Ultimately, our perception of money begins at very early ages and grows from there. So, if your parents didn’t have a great relationship with money, or they didn’t talk to you about it, then it stands to reason you developed a similar mindset.

Beginning with your money story and/or beliefs that have currently shaped your perception of money is what can really help you get to the crux of the issue. Once you have figured out where you came from, and why you believe what you believe, then you can begin to change.

Change takes time, for all of us. But, if you don’t want to repeat the same harmful patterns, change must occur.

What’s your why?

In order for that change to not only occur, but be a permanent change, you have to have a strong why. What this means is that you need to have a very good reason why you want this change to occur. Living in the same damaging cycle over and over again can be very exhausting. It can wear you down and cause all sorts of mental breakdowns. Some of the most common include:

  • Depression
  • Anxiety
  • Lethargy
  • Insecurity
  • Anger

In order to break these cycles, a strong why is necessary. Having a strong why is not only important to break harmful financial cycles, but it can be seen a lot when people want to change their health for the better. Many people say they want to live stronger, healthier and skinnier, but when it comes down to actually doing the work, they fall short. This is because they haven’t determined their why yet.

So, determine your why to begin really reshaping how you think about money and finances. Some great reasons “why” people might want to change their debt mindset are:

  • Don’t want to live paycheck to paycheck anymore
  • Want to be able to travel
  • Dreams of retiring early
  • Want to change careers
  • Aspirations of a better living situation
  • Want to be able to go through day to day life without the constant stress of money

Even if none of the aforementioned speak to you, it’s important to find your driving factor in order to create the change. So, what is your why?

communicate openly

At this point, you have already determined how you got in the debt mess in the first place and your why to get out of it permanently. Which is awesome! However, this new mindset needs to be communicated openly with everyone in your world.

Whenever we change something foundational about ourselves or our lives, it has a tendency to throw those around us for a loop. A good example of this is when somebody who has smoked most of their life, suddenly decides to quit. This is already an extremely hard habit to break. But, if you don’t have the support of those around you, it can become exceptionally easy to fall back into old habits. Especially if anyone around you still continues to smoke.

The same can be said when people are trying to lose weight, work out more or just trying to change their eating lifestyle. Misery loves company and most people don’t want you to change because it’s familiar the way it is.

Therefore, you need to be comfortable and confident enough to communicate exactly what you are changing about your life and why you need their support to make it happen. If the ones you love can’t support you on this healthier financial journey, then that might be a bigger issue all in itself.

debt mindset summary

Overall, changing your money story and your debt mindset can be a difficult road to travel. In order to really be effective with changing your mindset and your money story, you have to start at the beginning. Dig deep into how you got where you are and why you believe what you believe about money and finances.

Then move onto your why. Why do you want to change your perception of money? What is the bigger picture you are trying to accomplish so that you can live a happier and more well balanced life?

And last, but not least, then you must communicate this information to your loved ones. Explain why you want to change your perception of money to get out of debt and what you want to gain out of it. Ask them to help you stay on track and motivate you.

Take this deep dive and begin the journey to make these changes. If you do, and are willing to put in the work, the rewards can be outstanding.

Have you ever considered changing your debt mindset to change your financial life? If so, how did you do it and what were the results?

How More Virtual Learning is Changing our Back to School Shopping

I don’t know about your school system, but ours is changing drastically this upcoming year. In fact, we still aren’t sure just how drastically yet. But we know there will be a lot more, or maybe all, virtual learning this year. And with this comes a shift in how we are approaching back to school shopping. We have narrowed down a few essential items for our kids to help them adjust, and hopefully thrive, in this new environment.

Computers

Whether we like it or not, the most expensive thing on the back to school list this year will be a computer. After all, kids can’t really engage in virtual learning if they don’t have a device to use.

The way I have always preferred to purchase items in this category is by buying refurbished. In fact, with the exception of one, all of our tablets and laptops are refurbished. And, we haven’t had any issues with any of them. In fact, the laptop I am writing this on was a refurbished purchase back in 2013 when I was entering Grad school. And it still runs like a champ!

I just prefer refurbished because they are so much cheaper than buying brand new tablets or laptops. And, if you purchase them from a reputable source, you really can’t go wrong. Plus, you can save tons of money!

And this especially holds true when our children are involved. They just don’t take care of the devices the way that we do. And with that being said, here are some of my favorite places to purchase refurbished computers and tablets:

No matter which device you go with, make sure to get a protective cover. This will help to keep them functional for much longer.

Wireless Headphones for Virtual learning

Wireless headphones are something that we realized rather quickly last year we were in dire need of. We just didn’t realize how much, until all of the kids started doing school work from home. It’s simply much too difficult for multiple people to be on calls or meetings when you don’t have wireless headphones.

We purchased a few different pairs of wireless headsets in the past few months. And they each have their pros and cons.

The Target dollar spot wireless headphones work great for our youngest child. She is a little harder on things, so we wanted to try the cheaper version first. They work great for connectivity and sound. But they are more cheaply made than the other two, so they may not last as long.

The iJoy wireless headphones were the next set of headphones purchased. This was for the youngest boy and was a step up from the cheaper headphones. The sound quality is a little bit better and you can tell that they aren’t as flimsy.

The iClever wireless headphones were purchased for the oldest girl. She is more responsible and wanted something with more bells and whistles. They have great sound quality, connect easily to all of her devices and even have light up LED lights. She loves them!

No matter which direction you go with the wireless headphones, there is a budget friendly option for all of us. And you don’t need all of the bells and whistles to get the job done. You just need something to make everyone’s life a bit easier when it comes to virtual learning.

Somewhere to sit

Once you have the tech taken care of, you have to tackle where your child is going to be doing their school work. And this is where good seating comes into play. If you don’t already have a separate place for them to do their school work already, then you’ll need to help create a space for them.

One of my favorite finds at a kids consignment sale is a smaller old school desk that fits our youngest child. She was so thrilled with it when we brought it home, and it cost next to nothing! So, if you don’t have something for your child yet, checking out a kids consignment sale may be a great way to go. If, there are any happening in your area, of course.

However, if that isn’t an option, there are a couple other cheaper options than buying a new desk. Both  bean bag chairs and bungee chairs can be easily purchased new for under $50. And, what’s even better about both of these options is that they can be folded up for easier storage. .

If you have more than one child, and want to get a combination of all 3, then that can create a more diverse learning environment also. Plus, you can use the bean bag chair and bungee chairs too!

Lounge Wear

We aren’t really in the market for the newest styles in back to school clothes this year. But that doesn’t mean we should toss the whole category out. In fact, since so many of us are working from home now, our clothing styles have changed. So, we need to adjust our back to school shopping ideologies as well. This means an addition of more lounge wear this year.

Lounge wear can mean different things to different people. But, it really just means clothes you are really comfortable lounging around in. And with the increase in virtual learning, that is exactly what the doctor ordered.

Some of our kids favorite lounge wear options include:

No matter which type of lounge wear your child prefers, them being comfortable is the most important part. And you need to help remind them that they need to get dressed before they begin school. Even if they aren’t going to a physical school this year. Because just the act of changing into clothes for the day helps get their brain ready to learn and out of sleep mode.

BAck to school Virtual Learning Summary

No matter how you look at it, this year school is going to be different. And we, as parents, need to do all that we can to help our kids adjust to this new learning environment. This includes in the back to school shopping category also. Because that is a normal part of preparing for a new school year.

Since we don’t know how long this situation will last, it’s in our best interest to help our children adjust as much as possible. So, do what you can to make the virtual learning environment as effective, and comfortable, for them as possible.

Does your back to school shopping look any different this summer with more virtual learning happening this year?