Limited time and limited quantities, friends!
Send someone a $5 starbucks card via text and you get a free $5 gift card of your own!
Quantities are limited to the first 45,000 people to do it and as of today at 3:15 EST it’s still available!
Starting anything new is scary, just in general, right? A new job, a new relationship, breaking in new shoes (my least favorite!).
Parenting is no exception. One thing I found to make the first few weeks easier–having tons of prepared stuff at hand. This means snacks for you, advil portioned out for the postpartum pain, and baby stuff galore (diapers and wipes, oh my!). There is no such thing as too many newborn baby product samples!
In my third trimester I decided to start registering for free samples in part due to anxiety. I had a million thoughts and questions.
I decided the best way to figure this all out was to try it all for free. I googled “similac samples” and other similar terminology to find the list below! Each box is unique and comes with coupons, so I definitely suggest you try the different products when your baby is born to figure out which works best for you!
The Enfamil and Similac sample boxes are very similar. Both ready-to-feed bottles and a variety of powder versions that you can try out. They also include coupons in the form of checks. The store you buy from simply scans the “check” as a form of payment so you can use them in conjunction with manufacturers coupons!
The Sam’s Club sample box is the least useful of the different samples. It has a size 3 diaper, wipes, and toddler food.
If you open a registry at Babies ‘R’ Us, in store you will get a welcome bag. Mine included a NoseFrida which was a lifesaver for our little guy who was born during cold and flu season.
Most pediatricians have free samples in the office, too, you just have to ask to get them.
Let me know what freebies you scored!
Hello friends! Sorry for not posting for a while, I was on maternity leave!
While being out I took dozens of pictures. During the course of taking all these pictures I received the dreaded “not enough storage” error message. After deleting pictures (backing them up first of course), deleting apps, uninstalling/reinstalling facebook/instagram and restoring my iphone I realized I simply need more than 16GB.
Then I went to buy the iphone and whoa. They are expensive! And no more of that “free iphone with plan upgrade” stuff they used to do. So you just have to bite the bullet and pay full price out of pocket.
Except maybe you don’t. I did some research. Okay, I did a LOT of research. I have found some ways to buy an iphone without breaking the bank.
This list is not exhaustive of all the ways to save money on a new phone but this should get your started. Do you have any other ideas or ways to save money on an cell phone? Tweet, comment or message me, I’d love to hear your thoughts!
As a frequent online shopper (I hate the unforgiving glare of department store changing rooms), I find that often prices in store versus online are different. I most often notice that price online are cheaper than in store. Regardless, to maximize savings I always, always look for a good coupon code.
These are my favorite 4 sites for coupon codes:
What’s your favorite couponing website?
I love shopping at Target. Who doesn’t? The lights, the layout, the colors, they all come together to make the buyer feel at home. And that’s the point, Target wants you to feel warm and fuzzies in their store because then your wallet magically pops open and boom, there goes a few hundred bucks!
To me the two biggest money pits at Target are the big red CLEARANCE end caps and the dollar spot.
Now, how can you SAVE money at target? Here’s how.
These are the ways I save and spend at Target, how do you save when you shop there? Tweet, Instagram or message me here!
Sorry for the late post folks, I have been traveling (for pleasure, not work) a lot lately!
That being said, I did a lot of frugaling on my trip and snagged some free meals, discounted meals and gift cards along with other swag along the way.
SO, shall I dive in or first tell you about my trip?
Aw shucks, thanks for showing so much interest, it was great! I love the west coast and had such a blast hiking and site seeing and gambling.
Okay, brass tacks on how to save money while traveling.
What we got:
We got 4 days, 3 nights at the Marriott Grand Chateau on the strip, $50 Marriott gift card (to be used within the Marriott) and free valet parking (versus the regular $25/day) We used the gift cards for 2 meals and snacks which was great!
What we had to do: Sit through a 90-minute one-on-one with their salesperson who tries to get you to buy a timeshare. Ours was not pushy at all and was okay with us saying no.
Tier Levels. New members start at the Sapphire Tier Level and achieve Pearl status at 25,000 Tier Credits, Gold at 75,000 Tier Credits and Platinum at 200,000 Tier Credits. The premium level, NOIR, is by invitation only.
Highlights of each Tier Level include:
Using your MLife Card every time you gamble you earn freebies and discounts along the way!
All around I had a blast and despite a few meals that didn’t go our way I got some free meals which made it okay 🙂
When it comes to traveling I hate spending money. Yes, even more so than day-to-day life. Every time I dine out while on a trip my brain begins adding the bill to the flight, the hotel bill, the stupid resort fees and valets.
I began doing some research to find out how to make the most out of my every day shopping to put money/points towards vacations because let’s be honest, we all live for an amazing vacation.
I did not want a card that gave me 1 to 1 reward points per dollar spent. That is a waste of credit space and money. I did want a card with a nice, juicy sign up bonus. I also have to travel for work so I have a couple of preferred hotels and my preferred airline is Delta.
Based on this information I came up with my top 3 travel rewards cards.
Keep in mind that I travel for work so I have certain preferred airlines/hotels. These cards might not be the right ones for you but for me and my lifestyle they work.
Stay tuned for more frugal finds!
I first must give credit where credit is due. I like to think that I know everything there is to know about frugality, but let’s be real, I don’t. A friend of mine, Anna, actually referred me to this first program after redeeming her $20 gift card.
The way it works is based on your spend with participating restaurants. At first the list was pretty small and I did not find myself going often but recently they have added a lot of great restaurants that I frequent. So basically the amount you earn is directly related to how much you spend at any of their participating restaurants, bars, and clubs (including tax and tip, holla!) in a 1 year period.
– Members earn 5% back until they have spent $250.
– Members earn 10% back when they have spent more than $250 and less than $750.
– Members earn 15% back when they have spent more than $750.
Perfect! So far I am only at the 10% mark but with their growing list of participating restaurants I think I can get up to 15% soon!
Now, combine this program with Opentable‘s reward program and you may find yourself eating for free a lot more often than you think.
The way it works with OpenTable is that you earn points when you make and honor reservations made through their site or app.
I put this in bold because reservations made directly through a restaurant’s webiste or by calling them directly do not earn OpenTable points and if you do not honor your reservation (you skip out or don’t check in at the hostess stand), you do not get those points.
I can say with confidence that about 85% of the time I dine out, the restaurant I go to uses OpenTable. Even if it’s at a slow time (hello, I love a good 5:00pm dinner) or the place never gets crowded, use the app anyways so that you can earn points!
Here is how the points break down:
2,000 Dining Points = $20 Dining Rewards Gift
5,000 Dining Points = $50 Dining Rewards Gift
10,000 Dining Points = $100 Dining Rewards Gift
I use OpenTable for everything in terms of dining out, even work lunches etc. The more you use it the more you earn!
Between these two programs you can be getting rewards money on a monthly basis and that makes a huge difference in cutting into the dining-out-budget!
Although I try my hardest to be frugal and save money when possible, there are some debts that are darn near (I say near because some escape it) impossible to escape and one of those is student loans.
I have amassed quite the chunk between undergrad and law school, so I was desperately seeking ways to save on interest rates.
I did a lot of research before I settled on refinancing my student loans. I heard some people say “oh well when Obama wraps up his presidency he’s going to forgive all federal government student loans”. I took this to heart and took about a year researching this claim.
First I spoke with a friend at the Department of Education and her response was that there was no way he could patently forgive “all” student loans. Meaning, if loans were forgiven it would be within a very narrow set of margins.
For example, Obama recently decided to forgive student loans of a narrow group of borrowers who are in default and have disabilities. While this is a very big deal, it certainly with not spread and affect every borrower who took out loans at any time. Obama did reform part of the direct loan program which now says:
“Borrowers of new loans starting in 2014 will qualify to make payments based on 10% of their discretionary income. New borrowers would also be eligible for student loan forgiveness after 20 years instead of 25 on qualifying payments.”
I think that’s the best that we can get.
So last summer I decided to pull the trigger and I refinanced my student loans using using SoFi.
I choose SoFi after applying on a few different sites and getting different rates. They gave me by far the best rate at 10 years and 5%. My student loans were mixed between 6.8% and 8% so this made a HUGE impact.
Before my refinance my repayment plan had me paying over $700/month and my total repayment over 10 years was about 140,000 which was a LOT more than my loan amount and a huge chunk of that is interest.
Through Sofi my monthly payment is a little less, $650/month, but my total lifetime payment is much lower (approximately 40,000 lower) and my total interest paid is HALF of what it was before.
This savings is HUGE! The extra tens of thousands that can be saved can be used towards a down payment on a home or a car or a crazy vacation!
I would recommend shopping around for the best rate you can. If you have a partner who is willing to cosign for you, your wait will be lower so that is also a huge help. Don’t just bank on someone swooping in and providing a blanket forgiveness on everything you took out, I wish it could happen but it won’t. And that’s okay, too. Student loans are just part of life. We took them out and now we have to pay them back which is annoying but we can do it! And if we can do it while paying less interest, even better!
Check back later this week for my next post!