budgetsmartgirl

Posts Tagged ‘mint.com’

Homemade Gifts for the Budget Minded

In Budget Smart Girl's Guide on December 8, 2011 at 3:57 pm

If you’re thinking about making a few homemade gifts this year…or just want to make something for yourself, here are some ideas and some sites I’ve stumbled upon-

Bath and Body Items

You know I’m a big fan of Woman’s World magazine and oftentimes they have ideas for making spa products at home. Check out the December 12th issue because they have lots of ideas like strawberry bath bombs. An added plus is you can e-mail the magazine and they’ll e-mail you some labels you can use on any of the homemade products.

More Homemade Spa Goodies

I saw this one last month and knew I had to bookmark it. Everything looks so good and something on my to do list for the New Year for myself-

http://www.gardeners.com/Spa-Gifts/7828,default,pg.html

Gift Wrap

For those of you remember me being featured a few years ago in the article about reusing items during the holidays you’ll know I keep gift bags every year. I can’t remember the last time I threw one away. However, if you want one that will last just about forever, check out this article about making your own-

http://www.naturalhomeandgarden.com/diy-projects/try-this-reusable-gift-bag.aspx

Gifts Made By Children

Kids love making crafts anytime of the year but especially during the holidays and here’s a site with plenty of good ideas-

www.C4K555.org

Place Setting Goodies

Here’s something I’ve been putting together for years and I place one on each person’s plate during a holiday meal. All it takes is some netting, some mini chocolate bars and twine. They’re also great for attaching to holiday cards or take home gifts for guests.

Homemade Hangers

I love padded hangers for sweaters and dresses but they can be pricey so I came up with my own. All you need are some wood or plastic hangers, some poly fill, leftover material…and if you want them to smell nice too, add some dried herbs, like lavendar. Anyone can make them. All you do is wrap the poly fill around the hanger with some of the herbs, then cut enough material to wrap around it and sew the sides together. Great as a gift or to keep yourself.

More Gift Ideas

And check out this article…yes, yours truly is mentioned with a soup recipe-

http://www.mint.com/blog/how-to/7-homemade-holiday-gifts-that-are-good-enough-to-eat-112011/

Food Gifts

Who doesn’t love to get something good to eat anytime of the year-

http://shine.yahoo.com/tistheseason/gifts-kitchen-224700092.html

More Goodies

Another one of my favorite magazines is All You and this link takes you to a selection of holiday treats like reindeer cookies…they all look fun to make!

http://www.allyou.com/food/celebrations/christmas-sweets-00411000070239/page16.html

The Budget Smart Girl Newsletter-April 2011

In Budget Smart Girl's Newsletter on March 31, 2011 at 4:45 pm

 It’s spring, almost April and in this newsletter lots of different things to tell you about-

Coupons on ebay

Seems the auction site isn’t just for buying and selling any more. You can get coupons too-

http://extras.ebay.com/

Spa Night on the Cheap

I saw this article and bookmarked because I”m always looking for inexpensive ways to treat myself to my own spa at home-

http://shine.yahoo.com/event/makeover/diy-beauty-treatments-you-can-make-in-your-own-kitchen-1263801/

Erasing Debt

Thought this was an interesting article-

http://finance.yahoo.com/banking-budgeting/article/112352/how-to-erase-70000-in-debt?mod=bb-debtmanagement

Time to Do Some Spring Cleaning

I tend to hang onto things, yes, sometimes when I should toss or donate them so this was definitely an article for me-

http://finance.yahoo.com/news/Gadgets-You-Should-Get-Rid-Of-nytimes-1557697455.html?x=0

Jiffy Mixes

I often buy the popover and corn muffin mixes from Jiffy because they’re always great value and oftentimes cheaper than making my own, now they’re offering a book-

http://www.jiffymix.com/bookorder.php

Gourmet Breads

Another thing I love but the prices deter me from buying them more often are gourmet breads. Here is a link to some great bread machine recipes-

http://shine.yahoo.com/channel/food/recipes/category/methodCategory–tx_met_bread_machine?&cuisineCategory=tx_cui_american&pg=2

How to Do Most Anything

I can’t remember how I stumbled upon this site but when I did I spent an hour browsing all the content. Lots of good stuff about how to make various items and I warn you once you click on the link you’ll want to stick around for awhile-

http://www.instructables.com/tag/type-id/category-living/

Retirement for Women

We’re reminded just about everyday that we need to save for retirement and women often fall behind with that goal. Here’s a book that outlines specific details just for us girls.

http://www.wiserwomen.org/index.php?id=83&page=What_Women_Need_To_Know_About_Retirement

Bootcamp for Budget Smart Girls

I was sent this and thought I’d pass it along to you. Real Simple Magazine is offering a bootcamp dedicted to getting you on the right money track-

http://www.realsimple.com/work-life/money/planning/learnvest-bootcamp/?xid=roundtable-bootcamp

Phone Service

Just about every budget related article focuses on ways to save money on your phone service. When I was sent details about Ooma I thought I’d pass them along to you. Here are the details and the company kindly answered a few questions I about the service-

Ooma provides free home phone service using broadband Internet and your existing home phone. All the customer has to do is purchase an Ooma device (MSRP $249.99),  plug-in their high-speed Internet and an existing home phone into Ooma Telo – and then calls anywhere in the U.S. are free, with extremely cost-effective international calling at pennies per minute.

Ooma Telo can be purchased online at Amazon.com or Buy.com and is also available at major retailers such as Best Buy, Costco, J&R, Fry’s and more.

Is this a one-time purchase or is there a renewal fee each year?
Yes, by making a one-time purchase of the Ooma Telo (MSRP $249.99), customers are able to enjoy crystal-clear voice quality and great features such as free voicemail, caller ID, call waiting, 911 service. They only need to pay applicable taxes and fees (typically less than $3.50 per month). There are no yearly renewal fees or contracts.
Can people keep their same phone number?
In most cases, yes, Ooma can transfer (port) an existing phone number to Ooma. Normally there is a one-time processing fee of $39.99, but if they sign-up for an annual subscription to Ooma Premier ($119.99/yr), Ooma will waive the porting fee. Customer can confirm that their number can be ported by going to www.ooma.com/products/port. New customers are advised porting typically takes up to three weeks and they must keep their current phone service until the transfer is complete.
 
What are some international calling rates? Are there any special codes that have to be used?
Customers can call most countries for standard Ooma rates that are usually less than a penny per minute. Ooma Premier customers also have the option to save even more by subscribing to one of Ooma’s international calling plans. More information about the calling plans and bulk rates can be found here: http://www.ooma.com/premier/international-bundle
Some sample rates include:
·         Canada less than $.02 per min.
·         Italy less than $.03 per min.
·         Hong Kong less than $.03 per min.
·         Mexico less than $.14 per min.
A list of country calling rates and country code can be located by going to http://www.ooma.com/products/international-rates
 
To make international calls customers are required to use a country code, it’s essentially the same experience as if they were calling from a landline or cell phone. 

Drop Your Debt

Something else to pass along to you-

Mint.com wants people to win big money; by helping others lose—money, that is. Mint’s Drop Your Debt Challenge, “The Biggest Loser” for your finances, is awarding a $5,000 prize to the person who refers the mos tpeople to the challenge.  The challenge ends April 4.

To officially register for the Drop Your Debt challenge, and the $5,000 prize, go here: official registration. Then get as many people as possible to sign up. Facebook it, tweet it – or even hire the Goodyear blimp – just make sure friends/family put down the e-mail of the person who referred them when they sign up.

Looking After Your Car

 

And yes, one more thing to pass along to you. This time an offer from Bendix and some tips on looking after your car-

According the Consumer Reports, vehicle maintenance and repair costs account for about 4 percent of the total cost of ownership over the course of five years. While that might not seem like much, it can really add up.  And after the warranty expires, repair and maintenance costs can become very expensive.

Bendix Brakes is launching a program, “Bounce Back with Bendix” that helps consumers with some of those expenses.  Between April 1 and May 31, 2011, when consumers have qualifying Bendix brake products installed at a participating repair shop, they will receive a coupon to be applied toward future maintenance costs. 

 Tips for consumers

·         A good reputation goes a long way – Ask your friends or neighbors if they recommend a repair shop or check out sites such as Yelp, Angie’s List or Consumer Reports to see what people are saying.

·         It never hurts to get a second opinion – especially for larger repairs.

·         Make sure the work ticket lists the problems your car is experiencing , not just the recommended repair.

·         If you car is towed, make sure you specify which repair shop you would like it towed to.

Good Buys for April

New To the Stores: Hass avocados, beets, Texas sweet onions, peas, green beans, some strawberries

At Their Peak: Asparagus, artichokes, spring salad mix, field rhubarb
Grab Them Now: Kale, leeks, spinach, navel oranges

A Desperation Dinner

I mentioned that I put together a list of menus for April, meals I call desperation dinners and thought I’d share one with you-

You can just eat this as is or you can add chopped cooked chicken or marinated tofu. I like to serve it with plain white or whole grain rice.  This serves four.

For the marinade-

  • 1/3 cup soy sauce, sodium reduced if you’re watching your salt intake.
  • 1 tablespoon light sesame oil
  • 2 teaspoons finely minced ginger root
  • 2 tablespoons honey
  • Mix everything together.
  • For the vegetables-
  • Two tablespoons oil
  • 2 cups broccoli
  • 1 cup sliced carrots
  • 1 cup sliced mushrooms
  • 1 cup sliced onions
  • Optional, cashews, baby corn and water chestnuts, sliced

Add all the vegetables in a bowl and mix, add the marinade, coat all the vegetables and put in the fridge for at least an hour before preparing.

Heat about two tablespoons oil in a skillet or wok. Add the vegetables and stir fry until they’re tender but still have some bite left to them. Keep stirring them because the honey in the marinade has a tendency to make them stick to the skillet. If you’re using chicken or tofu, add this now.

Have a good month.

The Budget Smart Girl Newsletter-March 2009

In Uncategorized on March 22, 2009 at 7:37 pm

Issue I, Number 3
Spring is officially here. Don’t know about you but I’m glad to enjoy warmer and longer days. Now the snow has melted, I’m looking out of the window seeing all the projects that need attending to this year.
And thinking of all the work that’s ahead, let’s start off this newsletter with something connected with relaxing…

Entertainment
My family isn’t the type to go out on the town every weekend and not just because we want to save money. I guess we’re homebodies and like it that way. We used to rent movies and maybe bring in a pizza, but this winter we found a way to save even more money.
Ever since Circuit City announced it was closing its doors, my husband decided he would buy DVDs and start his own collection. He bought about a dozen while they were 20% off and then kept going back buying more as the prices dropped. So when Valentine’s Day rolled around and as I never know what to buy him, I thought what goes with watching DVDs at home? I couldn’t think of anything and then I received one of the daily e-mails from HARO…that’s Help Out A Reporter and advertising that day was a company called Kernal Seasons www.kernelseasons.com. I now had the perfect gift. I bought him a bag of kernals, and five different seasonings. So now every Saturday night we watch one of our own DVDs and try out a different flavor of popcorn. It makes a great night in for just pennies. I highly recommend this seasoning mix and if I had to pick my favorite, it would be the barbecue flavor. I’m thinking it might even be a gourmet treat on grilled corn in the summer. The company offers quick and great service too.

And if you have some DVDs you want to swap try www.swapadvd.com. I haven’t tried it myself, but lots of my friends like it. You can also swap books and CDs on their sister sites.

And one final thing on DVDs, I was recently sent a promotion about a DVD kiosk called Redbox www.redbox.com. Rental is $1 per night. Check their Web site to find a location near you.

One Way to Curb Your Spending
I don’t know about you, but sometimes sitting down paging through a catalog often tempts me too much. One way to beat the temptation is not to remove yourself from mailing lists. I just received information about this program www.proquo.com. It claims to free you of unwanted catalogs and 90% of unwanted junk mail. And if you check at the bottom of the Web page, there’s also a link to some money saving sites too.

Clothes
Spring often means lighter clothing and yes, spring dresses. Here are some places offering great deals.

K-Mart
When I was younger and lived a couple of miles from a K-Mart, it used to be my favorite place to find bargain clothing. I’d get lots of compliments and people would ask me where I’d purchased a particular item. I no longer live near a K-Mart now and can’t remember the last time I shopped there, but it looks like I’ll be finding the nearest one. Last week I saw an ad for their new spring fashions and they have dresses starting at $24.99 and they look just as good as the designer ones. www.kmart.com

Old Navy
If you follow me on Twitter you’ll know that on Thursday I posted a Tweet about the $15 dresses that Old Navy were selling. www.oldnavy.com

Avon Calling
I remember when the Avon lady came knocking at the door trying to sell my mom lipstick. It seems the Avon lady’s selling a whole lot more these days. I kept seeing these eye catching dresses in magazines for just $16.99 and it said the supplier was Avon. Yes, Avon www.avon.com now sells clothing and cute accessories like shoes and bags too. And all at some budget smart prices.

Beauty
Okay, so now you have the cute dress at the bargain price, you might want to get your skin ready for the summer months ahead. I found this article about ways to use baking soda. I use it for cleaning and laundry, but I hadn’t realized it’s a great and cheap beauty tool too.
http://tinyurl.com/d2olt9

Food
And while I was surfing the Internet, I came across this article from WebMD. 10 entrees you can make for $5 or less. Great article and be sure to click through the pages because it also supplies the recipes for the dishes it mentions.
http://tinyurl.com/dkc84y

Coupons
I hope you checked out Hot Coupon World I wrote about a couple of weeks ago. I signed up for their newsletter and I’m finding it one of the best resources for finding bargains at the store. And here’s an article titled 10 Secrets of the Coupon Masters. One great thing about this downturn in the economy, lots of great articles about saving money!
http://tinyurl.com/ag8bjz

Get Your Own Free Financial Advisor
Well…sort of. A couple of weeks ago I chatted with Aaron Patzer the founder of a Web site called www.mint.com. He told me he created the site because after using most of the money related software out there, it wasn’t meeting his needs. Mint.com allows you to track your spending and it sees what credit card and savings accounts are just right for you. And it can even let you know where you’re spending the most money. Patzer said most of us will be very surprised just where our money goes…yes, even when we’re watching the pennies. You can take it for a test drive and if you’re worried about giving up your personal information to a Web site like Mint.com, Patzer told me it offers bank level security and is fully tested against hackers. And the plus is you’re anonymous, it won’t ask for your address or things like a social security number and is a read only program. Patzer says Mint.com is great if you want to tackle 2 or 3 problems areas like the amount you spend on shopping, restaurants, maybe even travel. And finally he had these three tips to pass along to you about being financially savvy. Spend less than you earn. Make your savings work for you…for example, get the best return on your savings. And finally protect your downside by having an emergency fund ready if something happens like an illness or you lose your job.

Magazine Subscriptions
Okay, I’ve just told you Mint.com can point out where you spend too much money. Here’s my confusion, as of a few years ago, I had seven magazine subscriptions. Yes, I made sure I got the best deals on them and justified my purchases by telling myself I needed to research markets for my freelance writing. They can be additive and we all have a favorite. So where are the best places to get the good deals? Some people like eBay. Some other ideas include swapping magazines with family and friends. Checking them out at the library. And yes, some libraries often sell old issues or even give them away. And how about the doctor or dentist’s office? Once they’re a few months old, they could be yours for the asking.

A couple of sites you can check out are-www.magazine-agent.com they offer a 90 day risk free deal
www.speedymags.com, this site lets you create your own magazine package to save money.

And here’s a couple of Tweets I posted on Twitter. You can get a free year’s subscription to CBS’ new magazine at www.cbswatchmagazine.com

Get a year’s subscription to Glamour for just $1.50. That’s the 1939 price when the magazine first launched. Wouldn’t it be great if we could go back to those prices? www.glamour.com

And if you’re a fan of Prevention, send 4 32 ounce or 12 6 ounce specially marked lids from Stonyfield Farm organic yogurt and they’ll give you a free one year subscription to Prevention magazine. This is one of the best yogurts around so it’s not much hardship to buy that much. Also, did you know you can make more yogurt from just 2 tablespoons of yogurt and you don’t even need a yogurt making machine? More about that next newsletter.

Run to the Post Office
Just a reminder that the price of stamps goes up, yes, yet again in May. These days I don’t get to the end of the roll of stamps before they put the prices up again. So on my next visit to the post office, I’m going to buy the Forever Stamps. You can use them on letters weighing no more than an ounce, no matter how much prices go up. Sort of like taking insurance out of the future.

What’s Essential?
If you read my blog on Monday you probably saw I was in Walgreens. They have a new section called Affordable Essentials, everything from shampoo to trash bags. I guess they figure there are certain items all of us need so why not give us a break on the price.

Book Recommendation
Here’s a book I currently have checked out from the library. Dinner Survival by Sandi Richard. While it’s not a budget cookbook per se, it does have some low cost meal ideas. And check out the Web site for the cookbook at www.cookingfortherushed.com. It gives you menu ideas and there are grocery lists you can print. Planning ahead before you head to the store always saves you money.

Okay, I was supposed to give you the recipe for the caramelized bread pudding here, but as some great tips have been pouring in, I thought I’d use the space to pass them along to you.

From Marlene R, in Canada
Shopping around pays off and one of her favorite places for bargains is Liquidation World. There she’s found pants for $1 and designer suits for $2. Foodwise, she recommends buying a whole chicken and using leftovers for soups, stews and chicken salad.

From Lisa A in Missouri
She likes to use those padded hangers for her sweaters, but found a cheaper alternative, bubble wrap. Just tape some to a regular hanger and you’ve got yourself a padded hanger for free.

And finally from Darlene S in New Hampshire
If you haven’t got a big back yard but what to grow vegetables, her town has a community garden where you can rent a small plot for around $20 for the season. Darlene says it’s a great place to meet other gardeners, get advice and swap vegetables at the height of the season. Last year she grew so much produce she didn’t have to buy any at the store all summer long and thinks it saved her lots of cash. Check if your area has a similar program.

Next month, yes, some recipes and throwing a party on a budget. Until next time, take care and keep sending those budget tips.

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