From the category archives:

Works for Me Wednesday

 Works for Me Wednesday   CampingLast week, my family and I went camping for the long 4th of July weekend. Camping is one of the best frugal vacations there is (well, I guess staying at home would be even more frugal). We only paid $21/night for our site and we are able to cook and eat at our site (no restaurant expenses).

My boys LOVE camping. As you can see from the picture, they can get as dirty as they want (and stay dirty…since there were only 8 showers shared by 219 campsites). We hiked, biked, played in the dirt, made Reese’s peanut butter cup s’mores, served as mosquito bait, and went to watch a local airshow.

Although my husband and I were excited about the airshow, the kids were only minimally interested in it. That’s where we made a great investment. We purchased a set of 12 small planes for the boys to play with during the airshow….so we got to enjoy the real planes.

Fore more ideas that work for others, please visit We are THAT Family. Works for Me Wednesday   Camping Works for Me Wednesday   Camping Works for Me Wednesday   Camping Works for Me Wednesday   Camping

{ 5 comments }

 Earn Free Gift Cards with MyPoints

I have been a member of MyPoints for about a year. Like the name suggests, you earn points for doing various activities such as:

  • Read e-mails – 5 points just for clicking on the periodic e-mails that MyPoints sends
  • Surveys – 10 points if you don’t qualify, 50+ points if you do qualify
  • Offers – some of the e-mails include offers…like sign up for such and such and earn x points – depending on what it is, I don’t usually sign up
  • Games – you can earn points when you play their games – I’ve never done this
  • Shopping – you can earn points when you shop through the MyPoints site – I’ve never done this, because using the cash-back sites seems a better deal.

However, by just reading MyPoints e-mails and doing a few surveys over the past year (very minimal effort and time), I’ve been able to earn 3 $10.00 BP gift cards and 2 $10 Panera Bread gift cards.

The $10 gift cards require about 1400-1500 points, so I usually qualify every couple of months just from doing the above (e-mails and surveys). They have many different gift cards available like Amazon, BP, CVS/Pharmacy, iTunes, Kohls, Shell, Panera Bread, and many more.

I am also a member of SendEarnings and InboxDollars, but I find that the MyPoints gift cards at seem to add up a lot faster than clicking on the e-mails for the other programs (although one day I will actually get the $30 needed for payout at SendEarnings and InboxDollars).

Have you ever tried MyPoints? What did you think? Are you a member of a similar program that might be worth trying? For more ideas that work for others, please visit We are THAT Family.

{ 3 comments }

wag logo home 185 Walgreens 101 TutorialThe last couple of weeks, I wrote about how to save money at CVS and Rite Aid. I’m saving Walgreens for last, because it’s the store that I have the most problems with. It seems (to me anyway) like many of the coupon policies are decided at the store level, so it varies from store to store.

Recently, Walgreens did away with the Easy Saver Rebate program, which was one of my favorite parts about shopping at Walgreens (because it was easy, and I never had problems with it). Apparently they plan on replacing the program with something else, but they have not announced anything new. I will edit this post when that changes.

However, Walgreens does have several different programs:

Register Rewards – these are similar to the CVS ECB’s, since you need to make a purchase of a certain item, and a catalina coupon will print out at the end of your order called a Register Reward (RR). The RR is treated like a coupon when you pay for your next purchase. Usually, the RR’s are valid for about 2 weeks. There are a few caveats for RR’s:

  • RR’s are not tied to a loyalty card, so you can make a purchase and receive RR’s as many times as you wish.
  • You cannot roll RR’s. What this means is that you cannot get RR’s for doing a Kellogg’s deal and then use the RR’s you just received to pay for the Kellogg’s deal again. If you do that, your RR’s will not print the second time. However, you could use them to do another RR deal from a different manufacturer and then roll the RR’s between the 2 deals.
  • Some stores vary on whether you can use more than one RR to pay for your purchase. I was told once that I could only use 1 RR coupon per transaction. However, that seems to vary by store (and possibly cashier).
  • I can’t seem to get any consistency on the RR’s printing out for me. Sometimes when I use coupons, they won’t print, even though I purchased the correct item. Other times, I have no problems. When the RR’s don’t print, and I know they should have, I will ask to speak with a manager to see if they can get the RR’s to print for me. If they still don’t print, I will usually ask to return the item (since I’m usually only making the purchase because of the RR deal). Some managers have told me that you can’t use coupons and still get RR’s, but I believe that varies widely by store.

In Ad Coupons - The weekly store flyer usually includes several in-ad store coupons that you can stack with manufacturer coupons for even greater savings. Usually, you will only need 1 in-ad coupon even if you are purchasing multiples of that item (up to the limit on the coupon).

The Art of Using a Coupon at Walgreens – it can be tricky sometimes to use coupons at Walgreens, and there is a strategy to it:

  • Have as many items as you have coupons – the registers are set to beep if you have more coupons than you have items. So, if you have a manufacturer’s coupon, an in-ad store coupon, and a RR when you are checking out, you will need to have at least 3 items in your transaction. Find some filler items that you can add to your purchase that are inexpensive (and needed).
  • Give your coupons to the cashier in this order: RR’s, then manufacturer coupons, then in-ad store coupons to avoid any problems with your order. You might want to keep them in bundles and hand each bundle to the cashier at a time.

Have you had a good experience at Walgreens? Did I miss any tips that you find useful at Walgreens? Have you changed your shopping habits at Walgreens since they discontinued the Easy Saver Rebate program? For more ideas that work for others, please visit We are THAT Family.

{ 6 comments }

178915 4105 Best Frugal Tip   Purchase Items at "Rock bottom" PricesFor many families, food and toiletry items are the largest variable expense each month in their budget. According to the US Department of Labor, the average American family of four spends $8,513 per year on groceries (about $709 per month).

I find that figure to be extremely high. I’m sure that there are families that spend that much, but we average (much) less than $400 per month for food and toiletries. How do we do it?

We stock up on grocery and toiletry items when they are at “rock-bottom” prices, not just when we need them.

What is a “rock-bottom” price?

A rock-bottom price is the lowest price available for that item. Many times, I’ll purchase the item when it is at its lowest sale price, plus I’ll use a coupon for the item to save even more.

How do you know when it’s a “rock-bottom” price?

  1. One method to keep track of prices is by creating a price book for your staple items. Basically, you want to keep track of the prices over time of some of your staple items at various stores where you shop to determine what the best price is, so that you know when it’s a good price for stocking up. Amy @ Mom’s Advice has a great price book printable here.
  2. Another method for those of us that don’t have the patience for a price book (me), is to use a service like the Grocery Game. The Grocery Game lets me know when an item is at “rock-bottom” price and matches coupons, so I can add that item to my stockpile. You can get a 4 week trial for $1, and it costs about $1.25 for 1 store after that. If you do sign up, please use my e-mail address as a referral (ctermors at hotmail dot com).

Here are my Best Methods for Saving on Groceries:

  • Menu Plan – each week (or month) plan your menus so you know exactly what your going to eat any given week
  • Make a Grocery List – Shop your stockpile and determine what you need to purchase for your week’s menu plan
  • Stockpile items at “rock-bottom” prices

If you follow these steps, you’ll have a plan so you don’t waste food or order carry-out at the last second, and you’ll have purchased your items at the best prices.

How do you save money on groceries? For more frugal ideas that work for others, please visit We are THAT Family.

{ 3 comments }

ra logo Rite Aid 101 TutorialLast week, I explained the ins and outs of shopping at CVS. It can be really confusing to new shoppers at CVS.

However, Rite Aid (aka Longs, Brooks, and Eckerds) is a lot easier program to shop. Here are the basics:

  • Rite Aid has a monthly rebate program called the Single Check Rebate (SCR). You can either pick up a rebate book from the front of the store each month or look at the list online here (click on View Offers). Many times, the best rebates are only good for a week period and the item is on sale also.

When you make a purchase that’s eligible for an SCR, you can either enter your receipts online or save up all the receipts and mail them in at the end of the month. You can only make one check request for the month, so it’s best to wait until the end of the month. You will receive your check a couple of weeks after requesting it. It will come on a postcard, and you can either deposit it at your bank or use it to make a purchase at Rite Aid.  Please note: I usually have trouble depositing the check at the ATM, but I’ve never had a problem when I deposit it through the drive-thru.

  • In the weekly flyer, Rite Aid usually offers in-store coupons. These are Rite Aid coupons (unless they specifically state Manufacturer Coupon) and they can be stacked with manufacturer coupons (and combined with an SCR).
  • Rite Aid accepts manufacturer’s coupons. In the past, the official policy was that they did not accept internet printables (although some stores did), but they have recently changed that policy so that they now ACCEPT internet printables as well as coupons from the newspaper inserts. See more details here.
  • Occasionally, Rite Aid will also offer a coupon such as $5 off a $25 purchase that can be stacked with the other coupons and SCRs. You will want to purchase $25 worth of goods and give the $5 off $25 purchase coupon first and then hand the cashier the rest of your coupons.

Do you shop at Rite Aid and take advantage of the SCRs? Did I miss anything in my tutorial? For more ideas that work for others, please visit We are THAT Family.

{ 5 comments }

logo cvs CVS 101 TutorialAlthough I blog about CVS all the time, I realized that I have never actually written a post about how shopping at CVS works.

CVS is my favorite drugstore, since it usually offers some of the best deals and it has the easiest coupon policy of the 3 drugstores (CVS, Walgreens, and Rite Aid).

How Does CVS Work?

  • Sign up for an Extra Care Card – It’s free to sign up, and basically just involves filling out a form with some personal information about yourself such as name and address. You will get an Extra Care Card that you will need to give to the cashier so they can scan it every time you check-out at CVS. All the sale prices and Extra Care Bucks (ECB’s) require you to use your Extra Care Card. You are only allowed to have one Extra Care Card per household.
  • When you purchase advertised items, you can earn Extra Care Bucks (ECB’s) that can be used toward your next purchase. Each week, I post the ECB deals for the week, as well as any coupons that can be used for your purchase to lower the out of pocket (OOP) even further. So, when I do my coupon matchups, I’ll list it like this:

Edge Infused Comfort or Hydrate Shave Gel 7 oz. $2.89 (limit 1)
Get $2.89 ECB’s
Total after ECB’s: FREE

This means that the Edge shave gel costs $2.89 and you will receive $2.89 in ECB’s when you make your purchase. In this case, you can earn the $2.89 in ECB’s for the shave gel only 1 time. So, I would pay $2.89 in cash, and then $2.89 in ECB’s would print out on my receipt to be used on my next purchase.

  • The goal is to “roll” your ECB’s, so you pay as little out of pocket as possible. I demonstrate the “rolling” principle when I create my CVS $5 Challenge scenarios. I usually create 3 different transactions to purchase products. That way, you can use the ECB’s that you earn from each purchase in your next transaction to keep the out of pocket (OOP) as low as possible. I usually start my transactions assuming you have no ECB’s to start (to make it less confusing and to help newbies who have never done this before), but if you have ECB’s from previous transactions, you will pay much less than $5 OOP.

How to Use Coupons at CVS

  • There are 4 different types of coupons that you can use at CVS:
  1. $/$$ purchase CVS coupon – for example, Get $5 off a $15 purchase
  2. CVS coupon – usually prints on the bottom of your receipt after a purchase or from the price scanner machine when you scan your Extra Care Card
  3. Manufacturer’s coupon – coupons that are reimbursed by the manufacturer (will state on the coupon) that can be found in the Sunday paper, on tearpads throughout the store, etc.
  4. ECB’s – ECB’s are like a coupon for money off your purchase
  • If you have a $/$$ coupon, you need to purchase the required amount of items (before coupons) and hand the cashier this coupon first before any other coupons reduce your purchase amount.
  • You can stack CVS and manufacturer’s coupons for the same item (meaning you can use both coupons on 1 item). One of the coupons is paid for by CVS and the other coupon is paid for by the manufacturer.
  • Give your ECB’s to the cashier last. You cannot use your ECB’s to pay sales tax on your purchase, so before I hand over my ECB’s, I’ll ask the cashier for my subtotal and try to match my ECB’s as closely as possible to that amount without going over.

Do you have any other CVS tips that I missed? Or do you still have any questions how shopping at CVS works? For more tips that work for others, please visit We are THAT Family.

{ 43 comments }

1016625 82685780 Walk through Holy Week with JesusDuring the last few weeks, I’ve been sharing some of my ideas for celebrating Easter with your kids such as making a chocolate cross for their Easter basket, various books, CD’s, and DVD’s that we use to share the meaning of Easter, and some kitchen fun that we have with Resurrection Buns.

In my last post in my Easter series, I plan on sharing some verses that you can read from the Bible each day of the week leading up to Easter Sunday.

Palm Sunday – Jesus enters Jerusalem (Matthew 21:1-11)

Monday – Jesus clears the temple (Matthew 21:12-17)

Tuesday – Jesus teaches (any passage from Matthew 21:23-24:51)

Wednesday – Jesus’ death foretold (Scripture says nothing about what Jesus did this day. Read Isaiah 53:1-12)

Thursday – Jesus celebrates Passover (Matthew 26:17-30) and Jesus is arrested and tried (Matthew 26:31-27:26)

Good Friday – Jesus is crucified (Matthew 27:27-66)

Saturday – Jesus lies in the tomb (Scripture says nothing about what Jesus did this day. Discuss what Jesus’ followers might have thought and felt).

Sunday – Read about the women going to Jesus’ tomb from Matthew 28:1-15 and celebrate Christ’s triumph over death.

What do you do the week before Easter? How do you celebrate? For more ideas that work for others, visit We are THAT Family. For more Easter ideas, visit Keeping the Kingdom First.

{ 2 comments }

717487 14687407 Easter Ideas in the KitchenTwo weeks ago, I shared how we make chocolate crosses for our boys’ Easter baskets, and last week I listed the books, movies, and music that we use to share the Easter story with our kids. This week, I’m going to put you and your kids to work in the kitchen.

Each Easter, we make Resurrection Buns (which several readers have since shared with me that they also do!). I think they are a GREAT illustration of the Easter story, especially for little kids, and they taste wonderful.

Resurrection Buns

1 pkg. Rhodes frozen bread dough rolls (or crescent rolls or Grands biscuits)
24 large marshmallows
Melted butter or margarine
Sugar mixed with cinnamon

Thaw 24 rolls. Flatten a roll to about 3″ in diameter. Take a marshmallow (which represents the body of Christ) and dip it in the butter (which represents oils). Then cover the marshmallow with the cinnamon/sugar mixture (which represents the spices put on Christ’s body). Place the marshmallow in the center of the dough and pinch the dough together around it (make sure you seal it tight), forming a soft ball. Place the ball on a greased cookie sheet and let it rise until it doubles in size (about 30-60 minutes). Bake at 350 for 15-20 minutes until golden brown. Remove from the pan and cool on a wire rack.

Just like the tomb on Easter Sunday, these buns are empty! These are great fun to make with your children, and they’re a great illustration of the empty tomb (plus they taste good).

Some other ideas include:

Next week, I’ll finish up my Easter series with a list of Bible verses that you can read with your kids for the week leading up to Easter.

Do you have any other great Easter recipes that you make with your kids? For more ideas that work for others, visit We are THAT Family. For more Easter ideas, visit Keeping the Kingdom First.

{ 12 comments }

Lifetime Moms