DTC’s Thrifty Tip # 2

dtc tip 2

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Saving my Pennies

Never spend your money before you have earned it.

Thomas Jefferson

 

One of the greatest things about my blog is that I get to share stuff that I happen to come across, and as you know, I love to share!

my samples

Since I am living in my new environment, I am constantly finding ways to save a buck or two or even find freebies.

Especially free samples.

There are quite a few beauty and bath products that I haven’t purchased in a very long time-I use samples.  AND they are great for when I stay over at my bestie’s for the weekend.

penny heart

Here are just a few freebie sites I use

 

http://www.mysavings.com/free-samples

This one has everything from free audiobook downloads to Starbucks BOGO iced Macchiato’s.   The site has samples, coupons, freebies and deals.   It has lots of ads for other sites to check out for your other favorite deals and freebies.

 

Getitfree.us

Has tons of links for free stuff.  I got a cute elephant and turquoise good luck bracelet and I only needed to pay for shipping.  Or how about this unicorn coffee mug, to make each and every morning magical!

 

http://www.freeflys.com

This one has links to specific company websites and you can sign up and get your free stuff and discounts!

 

Beauty Products?

I just signed up for a free sample of Hydra Genius Liquid Care Moisturizer at

http://www.lorealparisusa.com

loreal

 

target.com/beautybox

It isn’t free, but you can get mini sizes of products for about $7.00.

target beauty box

 

And of course, Walmart has a beauty box and it is always a flat fee of $5.00.

You can check it out at walmart.com/beautybox.

walmart beauty box

 

 

 

 

There is always a birthday lurking around every corner, so I found this site:

 

www.heyitsfree.net/birthday-freebies

 

 

birthday cake Someone actually took the time to make a complete listing of every possible freebie you can think of for your special day.

 

 

There are many more.  And one thing that is so great about this is one website will lead you to another and pretty soon your mailbox will be celebrating freebie day on the regular!

mailbox

 

Now, I must warn you, will need to sign up for their emailing list- if you don’t have one already, it is very simple and FREE to have that Spam account to use for the bulk email lists.

 

If you have your favorite freebie sample website please share in the comments!

 

With Hugs and Hope

Diane

 

The Envelope System

 

 

I had really forgotten how to budget.  I haven’t had to do it in 7 years.  Not really. 

accounting

I have always prided myself in being the Spreadsheet Queen.  Every penny went on the budget.  You have to; otherwise it can slip away at the drop of a bad spending decision.  I have managed to get myself in quite the credit card pickle.

A good way to drown out a person’s true emotions.

sec 3

I have always managed to take a negative situation and learn from it.  So, when I got credit happy again and lost my job in 2008, I really had to look long and hard to make it.  When I did finally get a job ( I was at the end of my rope, of course) I made just enough to pay the bills and live on $40 a week.  With a teenage daughter in tow

 

 

So, here I am again.  My checking account is overdrawn and my work hours have been cut way back to one or two days in a pay period.  Not exactly survival money.  I know, I needed some time to get better, but this stubborn redhead can’t stay down for very long.   I think a good word to describe me would be tenacious.

laundry cute

 

I’m doing laundry in the tub and making Scooby snacks for the pooches with granola bars.  I am sure there might be too much sugar, but, you gotta do what you gotta do.

My wonderful son gave me some allowance, so I can purchase things I need.  It reminded me of re teaching oneself discipline with money.  The envelope system.

You take envelopes and divide up your cash for bills and necessities.  Mine are bus tickets, furbaby supplies, misc. and for a rainy day.

This works so well, it helps to actually see where your cash is going and helps to start thinking of ways to cut back on things you don’t really need.  The basics of budgeting.

wash

I finally stepped up to the Laundromat.  I used the suitcase with wheels and handle to take my favorite bus.   Makes it so much easier to maneuver; when I go grocery shopping next time, I am taking my bonnet with wheels.

 

Hugs and Hope

Diane

 

gmas spaghetti

A New Beginning

So many people live within unhappy circumstances and yet will not take the initiative to change their situation because they are conditioned to a life of security, conformity, and conservation, all of which may appear to give one peace of mind, but in reality, nothing is more damaging to the adventurous spirit.

Christopher McCandless

 

June; the perfect time to start a new chapter.  My son and I are finally getting a one bedroom apartment!   If we can ever get moved in-it’s been one hurdle after another; but you can’t stop this stubborn red head!

 

The universe always has her own timing, so it is very important we listen to her!

 

This past weekend we planned on moving, but our unit flooded!  We would’ve lost all of  the few things we do own, AND I decided to get very sick.

I spent a few days in the hospital with some stomach issues, which told me it’s time to take my health a little more seriously.   I guess level 50 is the magic number to start thinking about that sorta thing.  The good news is, now I am part of the medical system and I have more options for care.

New carpet, new eating habits and a new outlook, I am ready for my next chapter!

 

So, with all of that life stuff happening, it’s time for me to get back into my handy dandy budgeting skills I am so famous for in unknown circles and get to budgeting!

These are a few of my old school tricks and some new ones that I have picked up along my journey of surviving this world on a budget!

big things

Big Things

Word of mouth works great when gathering things from scratch.  I clean house for a dear friend, she has been so wonderful, and if only everyone had a fraction of her giving heart; this world would be a hundred times better than it is right now.  Not only has she shared her home with my son for the past year, she has a garage full of furniture just waiting for a new home and has generously given it to us for our fresh start.  If only I could return the gratitude to her to show her and her family how this fills my being.

cool shop

 

Little Things

Of course, now I have the perfect excuse, I mean reason, to hit the Goodwill shops!  Oh, how I miss my second hand shopping!  I can do so many magical things with my findings from Goodwill!  Curtains, throw pillows, baskets, odd pieces, whatever my whimsical heart desires!  I have a few blogs on this very topic, since it is one of my many favorites, but check this out for some ideas.

lady in bath

Saving money and the environment

Since I have to watch my budget and my health; I was trying to think of ways to do both.  Since paper towels can turn into a huge expense-what about using finger towels and linens for wiping and drying?  The dollar stores and secondhand stores have both for very cheap and I can reuse them!  I also found bleach tablets where the fabric dye is in the cleaning supplies at your favorite grocery store, so I can sanitize them during each wash cycle.  Not too shabby!  I can use the pretty baskets and dishes I found to display them nicely in my kitchen and bath to add some personal touch that blends with my décor.

pests

Pests

Living in an apartment can make it challenging to keep the infestations to a minimum, so I am going to have succulents that have natural repellent properties. I haven’t actually tried these yet, but there is lots of info in the great world wide web, Mother Nature Network has lots of great info.

pooches

 

Pooches

Since my furbabies have to share a yard with other critters, large and small; I will need to keep an area by the door with wipes and sprays to keep my babies from bringing in unwanted house guests.  This not only is healthier for me, but for them too.  I can use some hand towels to wipe them down so we all can be happy puppies!

 

Since we are also on the second floor, my poochieweenie doesn’t have a great attention span and a tiny bladder, so to remedy this, I can have an indoor potty yard just for her.  Keeps her off the carpet and instills the mindset of grass being the potty place for pooches.  You can find all kinds of grassy yards of all sizes and prices to fit your needs.  So far, I found that Amazon has the most variety.  I found one that is reusable that lasts for about 2 weeks depending on frequency of potty stops.

It is also very important for my babies to be current on their shots and flea maintenance.  There are always clinics to make sure this can be possible.  Check out humanesociety.org  to find out more.  And never skimp on your flea regimen.  For more info on my tips for caring for your fur ones check out my blog here

vintage shopping 2

Pantry

With so many convenient options nowadays in the grocery store and the cost of food items, staying healthy and budget friendly can be quite a challenge.  My cure for this problem is buying fresh fruits and veggies and dividing them up into meal size packages and following food guidelines for proper storing. Good Housekeeping has some very reputable tips.

I could keep on going on and on,  but I do tend to get long in sharing, so maybe another day.

I just got a phone call that the apartment is still being worked on, so just a few more days…….

 

When I do finally get to move in, I am kissing the floor and am going to have a good cry!

Thank you for reading and

Hugs and Hope!

 

Hellooooo World!

Hello Everyone!
My name is Kari and I loooove to save money! I don’t always have time to do the extreme couponing that I so desperately love to do but I do find ways to save money on a daily.
shop
Here are a couple of things you can do to save money on your everyday shopping that does not require you to purchase coupons or follow fads.
Its called apps. Many stores offer in-store discounts right on their app. No clipping or major planning. So, if there is a store you shop at often download their app & start saving.
cell phone
There are also rebate apps. Sometimes I want to save a bit more than the .50 – .75 cents the in store app will offer but I don’t want to spend time uploading receipts and all that jazz.
The savingstar app will automatically pick up your receipt from select retailers. So, all you have to do is load the deal to your app & shop at the select retailer, purchase the item(s) listed on the app & WALLA, 12-24 hours cash back! BOOM!
piggy
Well, I don’t want to overwhelm everyone with too much at once, just wanted to say hello & give ya’ll a couple of quick ways to start saving money today.
Thanks for having me Diane! And happy savings to you all!!
Sasy

It’s All About Sharing

Technology is nothing. What’s important is that you have a faith in people, that they’re basically good and smart, and if you give them tools, they’ll do wonderful things with them.

Steve Jobs

 

As I have shared previously about a month ago, my laptop got hacked.  What a mess!  I tried doing system restore twice, but there were vile, sabotaging,  root files all over the hard drive. This puppy was seriously jacked up!  The only way to save my 6 year old HP Pavillion, was to take it to the best IT guru I know,  Apogee Computer Works .  You can visit his page to learn more about this Technical Wizard.   He is a miracle worker to any PC or laptop, he loves bringing them back to life!

computer wizard

Without going into all the details and giving away his special techniques, he scrubbed my hard drive clean, and put all my software back on.  Now it’s brand new again!  He also fixed me up when I managed to completely lock myself out  (I forgot my Administrator Password).

flash drive

Now I can continue to type away, what I would normally talk someone’s ear off that is in my vicinity.

As you know, I love to share just about anything that is on my mind!

blogging dog

 

So now I am back on track and I am going to add some new stuff to my page.

 

As always, Thank you for reading and I would love to read your comments!

Not Giving Up

 

Today was my payday. Good thing too, I was out of snacks! I got dressed and took my walk to the Dollar Tree to get my necessities and much needed snacks- I have an incredible appetite, so I like to keep plenty of supplemental snacks on hand.

ice cream
More good news, I finally found a place to call my own. My son, pooches and me will soon be living in a one-bedroom apartment. Since we don’t have much, the move is going to be a breeze! We might have 8 boxes of stuff between the two of us!
I also learned a new word today, dapatical. I only found one definition: sumptuous of cheer. I like it, I will use it.

 

think
So, back to my walk to the dollar store. I really like walking, it’s a good way to clear my head and most of the time, the opportunity of the proverbial light bulb clicks on. The last few weeks have been another one of my rough learning patches. One would think, as many of these learning phases happen, I would be grown-up by now. NOPE
I have this incredible stubborn streak, (my red hair has nothing to do with it), HA! Anyway, I get stuff stuck in that thick skull of mine, and I will fight tooth and nail, because I am so positive I am right. Then after I calm down a bit, and let rational thinking creep back in, I can sort through my mess, some call a brain, and realize I have been a stubborn-ass-redhead once again.

spaghetti brain

If I could just listen to my partner in crime to what he is actually telling me, it sure would avoid lots of conflict and misunderstandings.
I am a complicated creature, though, I suppose most females are, and my spaghetti mess is constantly thinking of a million things all at once. I think the little hamster up there gets tired and drops the ball and gets some wires mixed up.

hamster wheel
I certainly still have a lot more lessons and learning to do and I have been given so many blessings in the past year.  Of many, I have a wonderful friend that has let me explore who I really am, so I can learn and grow.
You know what else? There is no hurry. We both have been in some doozies of situations along our paths to here, and we can take our time to grow and be better people for ourselves and each other.

guardian angel
Learning and growing certainly has its ups and downs. But, as long as we remember to follow our hearts and the path of the Divine, we are going to be alright.
And sometimes when we are at our lowest, is when we need to hear it the most, we are not alone. Our Divine Angels are all around us, protecting us, wrapping their wings around us and carrying us through the darkest of times.
So, no, I am not giving up

Violating Personal Boundaries – Being Robbed of your Personal Stuff

IMG-20110528-00014

 

There are no words to describe the feeling you get when you realize you’ve been robbed.  Whether it is your purse, cell phone, car, home or personal media device.  I have had the experience of all of these happen in my lifetime.

When I was fresh out of college, I accidentally left my purse in my car with the keys on the floorboard.  Some kids decided to go for a joy ride and write some checks.  They left my car at a gas station near the highway, and when the snow melted, different people around town found various contents of my belongings.  The joy of closing accounts, replacing ID cards and bank cards, and don’t forget the hassle of local grocers wanting their money from the hot checks that were written.

My home was robbed 3 times within a six month period.  All from the same person.  Remember that saying “No good deed goes unpunished”?  Well, I was trying to lend a hand to a troubled teen and he returned the favor by stealing family heirlooms, electronics, and  any thing worth pawning.  He even took the time to have a hot pocket and finish off my beer.

My past experiences with controlling narcopaths; my cell phone would have spy ware so they could monitor all of my activity.  They would even search my belongings just to try to find something to start a fight with.

My latest, was my personal notebook.  My life could not be complete without the full on virtual hijacking!  Besides the feeling of being completely cyber raped; I lost all of my digital art (because I didn’t back it up, tsk tsk)  and the complete list of the media center.

I did manage to go to the root directory and gather enough information with IP signatures to nail these bastards!  Now, the fun part begins….

All of these situations have been very valuable lessons for me, and because I love to share my knowledge with anyone who will listen; I felt the need to share my tips on how to stay safe from selfish evil doer’s.  Protect yourself, be vigilant and aware of your surroundings.  Since I am lazy, I am going to put links to websites that have already written about this.

stolen purse

Your purse:  According to corporatetravelsafety.com, Purse thieves and pickpockets have been around for as long as anyone remembers – or at least as long as purses have been around. To many, being pickpocketed is just part of life, but knowing how purse thieves work is vital in reducing your chances of having your purse picked.  Take it from the women who it has happened to  – having your purse stolen or picked, especially overseas, can be very devastating.

cell phone

Spy ware on cell phones: There are millions of spyware apps out there and it is so incredibly easy to access your phone.   According to spyappsmobile.com,  sometimes,  the concern is that someone might have installed spy software on a device you own, without your consent. This is often the case with marriage infidelity suspicions, causing one of the partners to secretly monitor the other’s cellphone or computer.

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Car jacking:  This link has some very good information and tips.  citizendefensetraining.com

robbed house

Your home: protectedhome.com  has a lot of useful ideas to protect your humble abode

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And finally-

Personal Media Devices:  I chose   digg.com  because they had a more recent post on tips for staying safe.  I want you to have the most updated info.

I know this turned out to be a PSA, but even those who believe they are diligently practicing up to date safety measures, it doesn’t hurt to have a refresher.  Maybe there is something you haven’t applied to your system yet.

Thank you for reading and please like, comment and share.