I don’t know about you but I absolutely love giving gifts to people – family, friends, kid’s parties, thank you gifts, you name it and I love to give gifts. In fact, I may love giving gifts more than I like getting them. Crazy, I know. The only drawback to this is that giving gifts can get expensive. I like giving really nice gifts, too. I love seeing someone wowed over I gift I gave or a present they received. So for me, this can get really expensive if I am not careful. What does a crazy gift giver like me do to avoid breaking the bank while giving all of these great gifts? I have a gift stash.
A lot of people have food storage or a stockpile. They buy shelf stable food items ahead of time and use them when they need them. They pay a great price now and use it later when it would be more expensive to buy it. This is a concept many people are familiar with and understand. I apply this same principle to gifts. I find great deals on awesome items now that I will use later as great gifts. It is what allows me to give crazy good gifts at discount store prices. It is easy to do and can help you save lots of money. A few tips can make this an easy thing to do.
Decide where you are keeping your gift stash and prepare a place.
This is a huge and very important tip. It is what will make your gift stash work well for you or drive you crazy. Whenever you purchase an item for the gift stash put it right where it goes. Hiding things all over the house leads to lost gifts and gifts being seen by the kids and spouses ahead of time. I have some large plastic totes on a shelf in my garage. The gift items go in the totes the same day I buy them.
Keep an inventory.
I’ll admit I don’t always do this. I will also tell you that it is 100x easier when I actually do keep a quick list of the items in my gift stash. You avoid overbuying and know what you can give before you even start looking through the items in your gift stash.
Know your gift recipient base.
Think about who you give gifts to and the situations in which you’ll be giving them. Think about relatives’ ages and likes. Think about the ages of friends and potential birthday parties. Knowing who you will be giving future gifts to will help you grab those bargains to use as great gifts later.
Know where and how to shop.
Have a favorite item to gift? Do you know when it goes on sale? Do you know where the sale and clearance departments are at your favorite stores? When you are out shopping, take a look at the clearance and sale items. Swing by the toy department and watch for clearance bargains. Don’t forget to shop online for your gifts. There are always great deals on Pinching Your Pennies that would perfect gift stash items.
When you have a really good grasp on building up your gift stash you’ll be great at spotting items for gifting events that are months away. This is why it is important to know your recipient base like I mentioned above. It is easy once you start.
Know your budget.
Don’t spend too much trying to build a gift stash quickly. Stick to all of the above tips and build your gift stash slowly. Overspending and breaking your budget will defeat the purpose of building up a gift stash.
Include giftwrap and cards.
Pretty simple tip but it can save you big. Pick up some extra wrapping paper, gift bags and cards when you see them on great deals or sales. Keep it all together with the gift stash or in another easy to find place.
Have fun and enjoy giving the gifts.
That’s the whole point of creating a gift stash. Enjoy giving your gifts and have fun buying them.
Just in case you missed this article on keeping the holidays simple the first time we shared it a couple of years ago, we are republishing it. After Marne wrote this blog originally, we got an awesome response. The holidays are a couple months away but these ideas for keeping the holidays simple are good to start thinking about now. This is one of the PYP Best Blogs!
We always have great aspirations of keeping the holidays simple, don’t we? Then when they get here it can be a different story. What is important to remember is that we are in control of our own environment. If those around us choose to make the holidays overly crazy and tiring, you don’t have to choose that. Simplicity is a choice, although not an easy one most of the time.
Here are a few things you can do to make the holiday season a little more stress-free, simple, and budget-friendly.
Hopefully you can sit down and relax during this holiday season with a cup of hot chocolate by the Christmas tree. Take time to soak in the wonders of the holiday season and remember all the other stuff isn’t as important…but the feelings, traditions and memories created stay.
This past year my family experienced a job loss and changeover, and we found ourselves without prescription drug insurance coverage. This was a shock for my family and our wallet as on average we were spending hundreds/month on co-pays from our previous insurance plans (we have medical conditions amongst family members that need to be managed). So now what?
Here is my story of how I trimmed my family’s medicine budget AND found resources available for those (including me!) who do not have prescription drug insurance.
1.Take inventory. You must know all of your prescriptions are before you can see what options you have. Write them down, including dosage, frequency and results from current medications. Once you know your medicine profile, you can start to seek alternatives and facilitate changes.
*Please note, do NOT do the following without consulting your prescribing physicians, first.
2.Seek alternatives. Contact your prescribing physicians and see if there is a cheaper alternative or a generic version of prescribed medication.
3.Double your Dosage & Split. Ask your doctor if he/she will double your monthly dosage, then you slice your tablets into half- thus doubling your supply, while reducing your cost. This option does require homework and footwork: check pricing with pharmacy to make sure it is a cost-effective option and if your physician will do this.
4.Seek Over The Counter or Herbal Options. Again, check with your doctor to see if this option for you. For my family, over-the-counter Prilosec proved to be a cost-friendly option for treating Acid Reflux. (see IF there are coupons available, too!)
5.Check out money saving programs from pharmaceutical manufacturers. Most major drug makers offer some sort of discount savings card (please note, these are NOT insurance cards). A great starting point is Glaxo Smith Kline’s site. One that I joined is Together RX Access and save 25% off my Imitrex.
6.Compare shop your local pharmacies. This option does require a bit of research, but the savings can be HUGE! For example, I take Topamax for migraine prevention. At a retail chain pharmacy, this cost me $60/month on my insurance plan and a few hundred without (yes, sticker shock!). I called area pharmacies looking for options when I came across a neighborhood pharmacy that had a pharmacy discount card that I was eligible for and my Topamax cost me only $30. HUGE savings!
7.Ask for Physician samples. Swallow your pride and ask your doctor if she/he happens to have any samples of either the medicine you need or an alternative that would work for you. That is what they are for! And your doctor would rather give them to you then see them go to waste.
8.Visit your prescribed medicine’s website. Many times there are discounts, coupons or instant rebates offered to users. Check out internetdrugcoupons for links to many medicines. Here’s my success story… my husband needs the ulcer medicine, Nexium. We have tried the cheaper option of Prilosec, but it was like putting a band-aid on a gunshot wound. So I visited purplepill.com and found that we could get a month’s medicine for $50 with Nexium’s saving card. Add a request to the doctor to double the prescription’s dosage for two months, and we are spending $25/month vs. $168 cash only.
9.Use pharmacy coupons to offset the costs. Many retailers offer store gift cards if and when you bring a new or transfer a prescription to their store’s pharmacy. These coupons usually appear in the Sunday ads. Check out the PYP boards for announcements.
It does take a lot of work and hoop-jumping to save money in any area, and prescription drugs are no exception. Above are proven suggestions that I know work! I have done it and managed to maintain the medicines that are necessary to keep us healthy without going into debt.
Do you have any other ideas that might benefit others?
All our members have to do is follow these simple steps:
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Just in case you missed this DIY article on making a jewelry organizer the first time we shared it a couple of years ago, we are republishing it. After Marne wrote this blog originally, we got an awesome response. This is one of the PYP Best Blogs!
I have been wanting to organize my jewelry for awhile. It has been a heaping mess for quite some time! Here is what I came up with – a fun and easy jewelry organizer! Sorry, I didn’t take any before photos, but I can tell you what I did, it was really easy!
Supplies
Old empty frame ($1.49 at Goodwill)
Burlap sack (already had)
spray paint (already had)
hook thing for my necklaces (already had)
staple gun
screwdriver
First I spray painted primer on my frame. It was a really ugly blue. Then I did a couple coats of my favorite spray paint, Rustoleum Antique White, that you can buy at Lowe’s. Then I cut up an old burlap sack I’ve had in my garage for years (yes, I did wash it first!). I stretched it tight behind the frame then used the staple gun to secure it. Easy and fast!
Then the holder my necklaces are on I have had in my garage for a few years, it was an ugly cherry wood color. It used to be used to hang coats on before we redecorated our family room. So all I did is use a screwdriver to take off the hardware, spray paint with Antique White, then put the hardware back on. Super easy!
I LOVE how my jewelry organizer looks! Fits my style and my budget! Talk about pinching your pennies. Look around your house to see what you already have before starting a project. You might be surprised to find things that will work, with a little spray paint and imagination.
Just in case you missed this post on Crock Pot Dinners Saving Money the first time we shared it a couple of years ago, we are republishing it. After Tiffany wrote this blog originally, we got an awesome response. This is one of the PYP Best Blogs!
Life seems to just keep getting busier and busier. It never really feels like we have time to slow down and enjoy the time we have. I know most of this is probably my own fault. I could choose to have the kids involved in less activities and make time to enjoy life’s simple pleasures but the truth is it just isn’t going to happen this week.
So instead of hurrying dinner along handing out a quick PB & J or grabbing take out on the way home, I’ve been looking for ways to have dinner ready to go when we walk in the door. Dinner time is about the only time we are all together and I love every minute of it. I’ve found the use of the crock pot to slow cook dinner is a great option for having dinner ready on the nights I know are going to be busy.
The crock pot is a great tool to have in the kitchen because it helps you make the most of the time you have. It makes me feel like I’m saving time because I am able to prepare a meal when I’m not in a crunch for time. Using a crock pot you can easily prep dinner ahead of time. In my free time the night before or in the morning I’ll prepare dinner, this will ensure that one can come home to a homemade healthy dinner ready to go. I love that it takes the stress out of the question, “What are we having for dinner?”, which I am sure to hear as soon as we get home. This is a welcomed thought on busy nights when we are running from tennis to scouts, basketball, swimming etc.
With careful planning the use of the crock pot can be a great money saving tool as well. On a busy week night the use of the crock pot keeps us on schedule. The small amount of preparation keeps me from having to make a stop for fast food and there by keeps money in my bank account. I can easily make dinner for much less than I would spend in the drive through and still have leftovers for tomorrow’s lunches.
Recipe for the Crock pot:
BBQ Pork for Sandwiches
Ingredients:
1 (14oz) can beef broth
3 pounds boneless pork ribs
1 bottle BBQ sauce
Directions:
Pour beef broth into the slow cooker and add the boneless pork ribs. Cook on high for 4 hours, or until the meat shreds easily.
Place meat in a skillet and add BBQ sauce.
Bake in a preheated oven for 30 mins or until it is heated through.
Just in case you missed this DIY article making your own homemade drano the first time we shared it a couple of years ago, we are republishing it. After Marne wrote this blog originally, we got an awesome response. This is one of the PYP Best Blogs!
As I posted last month, this year I am trying to do better on my grocery budget. I want to not only bring my cost down, I want to be more thrifty in how I feed my family. Make more things from scratch, eat out less, etc. In January I was very close to my goal and so far in February I have spent $343.14. A little more than where I was in January but this is all a process, right? A learning curve. For me, its not always about the exact penny spent but if I am improving in the way I feed my family. More on that later.
Not only am I wanting to save in the grocery budget department, I also want to save money in every way I can. Today I wanted to share with you an old trick. At least that is what I learned when I did some searching online.
If you have a slow or clogged drain, don’t go out and buy Drano (which is super expensive and contains hazardous chemicals), you can clear that drain with 3 simple things you already have in your house!
Here is what you will need:
1/2 box baking soda
1/2 c. white vinegar
1 qt. boiling water
1 washcloth
Take the baking soda and dump it down the drain as good as you can. Pour in the vinegar. IMMEDIATELY plug the drain with the washcloth so the foaming action stays in the pipe, and not in the sink.
Let sit for 30 minutes.
After the time is up, dump the boiling water down the drain. VOILA! A clear drain with haveing to buy drano. This works almost every time.
And I can vouch for this method. I did it this morning, and it worked fabulously! Try out your homemade drano and let me know what you think.