Centsable Momma https://www.centsablemomma.com Helping you be "able" to save your cents Tue, 17 Sep 2019 17:26:47 +0000 en-US hourly 1 https://www.centsablemomma.com/wp-content/uploads/2017/01/cropped-Centsable-Momma-Site-Icon-32x32.jpg Centsable Momma https://www.centsablemomma.com 32 32 5 Time Management Tips for Busy Moms https://www.centsablemomma.com/5-time-management-tips-for-busy-moms/ https://www.centsablemomma.com/5-time-management-tips-for-busy-moms/#respond Tue, 17 Sep 2019 19:00:27 +0000 https://www.centsablemomma.com/?p=424535 Being busy and being a mom goes hand in hand. If you ever have a moment to yourself, you may be wondering if you’re forgetting something! But what if you could better manage your time so that you did have free time without worry? Let’s take a closer look at time management tips for busy […]

The post 5 Time Management Tips for Busy Moms appeared first on Centsable Momma.

]]>

Being busy and being a mom goes hand in hand. If you ever have a moment to yourself, you may be wondering if you’re forgetting something! But what if you could better manage your time so that you did have free time without worry? Let’s take a closer look at time management tips for busy moms.

Use a Planner

When you take the time to schedule things throughout your day, you’re more likely to get your to-do list done. Sit down at the end of each day and create a to-do list for the next day. Next, you want to schedule the items into your planner. Make sure to leave buffer space in case things take longer than expected. You’ll be amazed at how much more productive you are when you schedule your day.

Make sure you use whatever works best for you.  If having your to do list and calendar on your electronic devices works best for you, continue with that.  Or perhaps you're a pen and paper type of person.  There's no perfect system that works for everyone, since everyone is different.

I have found that I love using Google calendar for my calendar.  I can look at it a month at a time (or daily/weekly) on my desktop and then still have access to it when I'm out and about on my phone.  However, I like using an old fashioned small spiral notebook to write down my to do list.  I like physically writing it out, looking at it, and crossing things off my list.

Create a Routine

Routines make your life so much easier. A great example is washing a load of laundry each day so that you never have to spend an entire day washing clothes. You can also start the dishwasher each evening and empty it each morning. The more routine your day becomes, the easier it is to manage your time.

I don't like to have to think about what I'm going to do next (especially early in the morning!).  That's where routines work great.  I don't have to think…I just move on to the next task.  I feel so much better when I have a predictable routine.

Multitask

Whenever you’re given the chance to do so, you want to multitask. For example, you can help the kids with homework while you make dinner. You can make your grocery list for the week while waiting in the school pickup line.  You can listen to practical podcasts while you're in the car by yourself.

Meal Plan

Meal planning is so important for busy families. You want to take the time once a week to go through what you have on hand and plan a menu that uses up those items. This helps ensure that you spend less money on groceries. Look at your planner and see what you have going on during the week so that you can plan meals that work for those days.

Each Saturday morning, my husband and I look at our calendar to see which activities we have going on in the evenings which might affect our meals.  Then, we plan our meals for the week and create our Walmart Grocery Pickup order and our Costco list.  I love that everything is all planned out for the week, and we don't have to make any last minute trips to the store.

In the past, when I would let the meal planning slip, I would waste so much mental energy trying to figure out what to make each night and then making a quick run to the grocery store to buy needed ingredients.  I never want to go back to that again!

Stock the Freezer with Freezer Meals

Last, but not least, stock your freezer with freezer meals. You can either spend one day a month cooking meals or you can bulk up a recipe whenever you are cooking. For example, when you make chili or spaghetti sauce, double or triple the recipe so that you can freeze some for later.  I always double my recipes that freeze well so I can cook less!

You don’t always have to be scrambling. These time management tips for busy moms will help ensure that you’re less likely to feel overwhelmed. Get a good planner to schedule your day, create routines, multitask, plan meals, and stock your freezer. Soon, you’ll find that you have more time for yourself.

The post 5 Time Management Tips for Busy Moms appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/5-time-management-tips-for-busy-moms/feed/ 0
FREE Kindle Book: The Pepper In The Gumbo: A Cane River Romance https://www.centsablemomma.com/free-kindle-book-pepper-gumbo-cane-river-romance/ https://www.centsablemomma.com/free-kindle-book-pepper-gumbo-cane-river-romance/#respond Tue, 17 Sep 2019 17:02:29 +0000 http://www.centsablemomma.com/?p=139337 Right now, you can download The Pepper In The Gumbo: A Cane River Romance Kindle book written by Mary Jane Hathaway for FREE from Amazon. About the book: Alice Augustine runs the oldest bookstore in the historic district of Natchitoches and believes technology is the root of most problems. If only more people would turn […]

The post FREE Kindle Book: The Pepper In The Gumbo: A Cane River Romance appeared first on Centsable Momma.

]]>

Right now, you can download The Pepper In The Gumbo: A Cane River Romance Kindle book written by Mary Jane Hathaway for FREE from Amazon.

About the book:

Alice Augustine runs the oldest bookstore in the historic district of Natchitoches and believes technology is the root of most problems. If only more people would turn off the Tv and shut down the computer, the world wouldn't be in the mess it's in. If only she can get the teens she loves to step away from the screens and hold on to their Creole culture. The only person who seems to understand her passion for classic literature is the mysterious website owner, Browning Wordsworth Keats.

Paul Olivier comes back to his home town determined to show the people of Cane River that he's not the poor, nerdy kid he once was. He's made a fortune designing video games and opening a giant electronics store right in the snooty historic district will be the crowning glory of his career. Unfortunately, one bookish anti-tech fanatic has decided to do everything she can to keep that from happening. Even worse, she doesn't know that in cyber space, they're kindred spirits.

Alice and Paul clash from the start, but nothing is ever quite as it seems. When secrets are revealed, will there be a second chance- for both of them?
A romance that brings the humor of You've Got Mail and the deep friendships of 84, Charring Cross Road, this romance will touch the classic literature lover in everyone.

Please note: Kindle prices tend to change quickly, so be sure to check that the total still says $0.00 before you “purchase” it.

Between the FREE books from Amazon and Kindle books I've checked out from the library, I've been having so much fun reading on my iPad.  I really thought I wouldn't like not having a physical book, but I love it.

If you're interested in additional Kindle freebies, you can check out the current FREE Kindle books.

The post FREE Kindle Book: The Pepper In The Gumbo: A Cane River Romance appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/free-kindle-book-pepper-gumbo-cane-river-romance/feed/ 0
Printable Coupon: $1.50/3 Liberte Organic Yogurt + Walmart Deal https://www.centsablemomma.com/printable-coupon-liberte-yogurt/ https://www.centsablemomma.com/printable-coupon-liberte-yogurt/#respond Tue, 17 Sep 2019 16:57:23 +0000 http://www.centsablemomma.com/?p=83391 There's a new printable coupon available for $1.50/3 Liberte Organic Yogurt that you can use at Walmart to get a good deal after coupon. Deals available this week using the coupon include: Walmart: Liberte Organic Yogurt Cup, $1.64 $1.50/3 Liberte Organic printable coupon Total after Coupon: $1.14 ea. Additional printable coupons available include: Save $1.00 […]

The post Printable Coupon: $1.50/3 Liberte Organic Yogurt + Walmart Deal appeared first on Centsable Momma.

]]>

There's a new printable coupon available for $1.50/3 Liberte Organic Yogurt that you can use at Walmart to get a good deal after coupon.

Deals available this week using the coupon include:

Walmart:

Liberte Organic Yogurt Cup, $1.64
$1.50/3 Liberte Organic printable coupon
Total after Coupon: $1.14 ea.

Additional printable coupons available include:

Save $1.00 ONE (1) Starbucks® Roast & Ground or K-Cup
Save $1.00 on any ONE (1) Barbara's® Product
Save $1.00 on any ONE (1) MOM'S BEST® Product
Save $1.00 on any ONE (1) Marzetti® Caramel Dip 10oz or more
Save $2.00 on the purchase of any ONE (1) JENNIE-O® Frozen Turkey Burger (2 lbs. or larger)
Save $1.00 on any TWO (2) Welch's® Fruit Snacks, Fruit ‘n Yogurt™ Snacks or Fruit Rolls (8oz or larger bag, or 6ct or larger box)
Save $1.00 ONE (1) Family Pack of Mrs. Freshley’s Deluxe PAW Patrol Mini Muffins (Available at Walmart)
Save $0.50 ONE Cascade® Platinum ActionPac Dish Detergent 33 ct or larger (excludes trial/travel size)

For additional printable coupons, check out Coupons.com, Red Plum, Savings.com and Smart Source.  Plus, check out the daily featured printable coupons with deals and my online coupon code database for online shopping.

The post Printable Coupon: $1.50/3 Liberte Organic Yogurt + Walmart Deal appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/printable-coupon-liberte-yogurt/feed/ 0
Windex Glass Cleaner Spray: $1.91 + FREE Shipping https://www.centsablemomma.com/windex-cleaner-spray-deal/ https://www.centsablemomma.com/windex-cleaner-spray-deal/#respond Tue, 17 Sep 2019 16:53:49 +0000 http://www.centsablemomma.com/?p=138169 Right now, you can order Windex Ammonia-Free Glass Cleaner Trigger Bottle for only $1.91 after the 5% Subscribe & Save discount and $0.47 off eCoupon.  Plus get FREE shipping on your order.  This is $2.50 from Walmart. Here's how it works: Visit Amazon to get Windex Ammonia-Free Glass Cleaner Trigger Bottle – sale price is $2.50 […]

The post Windex Glass Cleaner Spray: $1.91 + FREE Shipping appeared first on Centsable Momma.

]]>

Right now, you can order Windex Ammonia-Free Glass Cleaner Trigger Bottle for only $1.91 after the 5% Subscribe & Save discount and $0.47 off eCoupon.  Plus get FREE shipping on your order.  This is $2.50 from Walmart.

Here's how it works:

  • Visit Amazon to get Windex Ammonia-Free Glass Cleaner Trigger Bottle – sale price is $2.50
  • Click on the “Clip This Coupon” button to get an additional $0.47 off your order – you may need to log in to your Amazon account to see the coupon.
  • Add Windex Ammonia-Free Glass Cleaner Trigger Bottle to your cart by choosing Subscribe & Save (to save an additional 5%).  Choose delivery every 1, 2, 3, 4, 5, or 6 months.  You can cancel the subscription at any time.
  • At checkout, your total should be $1.91 with all discounts.

Save 15% on your entire delivery (rather than 5%) when you subscribe to 5 or more items that arrive in the same month – making the price for this item only $1.66.

You can cancel the Subscribe & Save at any time so that you only receive your order this one time by logging into your account and clicking Manage Subscribe & Save.

Be sure to check out all the Amazon deals that I've been posting for some great deals

Please note: Amazon prices tend to change quickly, so be sure to check the price before you buy.

The post Windex Glass Cleaner Spray: $1.91 + FREE Shipping appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/windex-cleaner-spray-deal/feed/ 0
Amazon: Save $15 when you Spend $50 on select Household Products https://www.centsablemomma.com/amazon-spend-50-select-household-products-get-free-15-amazon-gift-card/ https://www.centsablemomma.com/amazon-spend-50-select-household-products-get-free-15-amazon-gift-card/#respond Tue, 17 Sep 2019 16:43:42 +0000 http://www.centsablemomma.com/?p=82415 For a limited time, you can save $15 when you buy $50 in select Household Items from Amazon. Plus, you get FREE Super Saver shipping since your order is more than $35.  How it works: Choose $50 in select Household Items and add them to your cart The $15 discount should show on the final […]

The post Amazon: Save $15 when you Spend $50 on select Household Products appeared first on Centsable Momma.

]]>

For a limited time, you can save $15 when you buy $50 in select Household Items from Amazon. Plus, you get FREE Super Saver shipping since your order is more than $35. 

How it works:

Be sure to check out all the Amazon deals that I've been posting for some great deals

Please note: Amazon prices tend to change quickly, so be sure to check the price before you buy.

The post Amazon: Save $15 when you Spend $50 on select Household Products appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/amazon-spend-50-select-household-products-get-free-15-amazon-gift-card/feed/ 0
How to Avoid Impulse Spending https://www.centsablemomma.com/how-to-avoid-impulse-spending/ https://www.centsablemomma.com/how-to-avoid-impulse-spending/#comments Mon, 16 Sep 2019 17:12:25 +0000 http://www.centsablemomma.com/?p=186635 Have you ever noticed that impulse buys (like candy) are usually at the front of the store?  Retail store spend lots of money studying human shopping behavior in order to lay out the store optimally so that you buy more and spend more money. However, if you're on a budget, you don't want to blow it […]

The post How to Avoid Impulse Spending appeared first on Centsable Momma.

]]>

Have you ever noticed that impulse buys (like candy) are usually at the front of the store?  Retail store spend lots of money studying human shopping behavior in order to lay out the store optimally so that you buy more and spend more money.

However, if you're on a budget, you don't want to blow it with impulse buys but how do you resist the temptation?  Check out these 6 tips to resist impulse buys:

Shop with a list {and stick to it}

Get into the habit of making a shopping list each time before you even step foot into a store.  Then, you need to resolve that you'll stick to the list.  Only buy those things you need that are on that list.

Don't shop when you're…{hungry, angry, upset, etc}

Try to avoid shopping when you're at your weakest for making an impulse buy.  You are upset, so you might tell yourself that shopping will make you feel better.

Shop less Often

Every time you step into a store, you're tempted to make an impulse purchase.  So, the less you shop, the less you're tempted.  Make a large list and shop for longer periods of time (at least a week or longer for groceries).  You'll need to have a meal plan and grocery list, but it can be done.

Pay with Cash

If you're paying for your purchase in cash (and you only have a certain amount to spend), it's a lot more difficult to make an impulse buy since you might not have enough cash on hand.  Resist the impulse to just pay for your purchase with your debit or credit card to cover it.

Remember your Goals

Keep what you're saving for at the top of your mind.  For example, if you're saving for a vacation, picture yourself having fun on vacation and decide if the impulse purchase is better than your goal.

Think about it for 24 hours

If you're tempted to make a purchase (whether large or small) that you've not budgeted for and that's not on your list, don't buy it.  Head home and think about it for 24 hours (or longer for bigger purchases).  Often after a day of waiting, the pull of the product has passed, and you find that you really can do without it after all.

The post How to Avoid Impulse Spending appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/how-to-avoid-impulse-spending/feed/ 1
FREE Kindle Book: Sand & Mistletoe https://www.centsablemomma.com/free-kindle-book-sand-mistletoe/ https://www.centsablemomma.com/free-kindle-book-sand-mistletoe/#respond Mon, 16 Sep 2019 16:50:28 +0000 https://www.centsablemomma.com/?p=424529 Right now, you can download Sand & Mistletoe Kindle book written by Chautona Havig for FREE from Amazon. About the book: What’s Christmas without family drama, an accident, and mistletoe? If you ask Portia Spears, it’s a horror movie—especially since she’s never the one caught under that mistletoe. And who thought it was a good […]

The post FREE Kindle Book: Sand & Mistletoe appeared first on Centsable Momma.

]]>

Right now, you can download Sand & Mistletoe Kindle book written by Chautona Havig for FREE from Amazon.

About the book:

What’s Christmas without family drama, an accident, and mistletoe?

If you ask Portia Spears, it’s a horror movie—especially since she’s never the one caught under that mistletoe. And who thought it was a good idea to spend the last Christmas as a family unit away from their family home?

Her bossy older sisters, that’s who.

Christmas at his parents’ house with his son—just the way Reese Whitaker likes it. But a chance encounter on the beach might just change everything. How often do you meet someone who loves kids and knows American Sign Language?

Not often. Trust him.

However, with just two weeks to get to know each other and two families that couldn’t be more different vying for their time, will they even have a chance to test out that mistletoe they found?

Please note: Kindle prices tend to change quickly, so be sure to check that the total still says $0.00 before you “purchase” it.  If you do accidentally purchase a Kindle book after the price has increased, you do have a short amount of time to request a refund from Amazon.

Between the FREE books from Amazon and Kindle books I've checked out from the library, I've been having so much fun reading on my iPad.  I really thought I wouldn't like not having a physical book, but I love it.

If you're interested in additional Kindle freebies, you can check out the current FREE Kindle books.

The post FREE Kindle Book: Sand & Mistletoe appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/free-kindle-book-sand-mistletoe/feed/ 0
Printable Coupon: $0.50 off Starbucks Coffee Creamer + Target or Kroger Deal https://www.centsablemomma.com/printable-coupon-0-50-off-starbucks-coffee-creamer/ https://www.centsablemomma.com/printable-coupon-0-50-off-starbucks-coffee-creamer/#respond Mon, 16 Sep 2019 16:21:14 +0000 https://www.centsablemomma.com/?p=424526 There's a new printable coupon available for $0.50/1 Starbucks Coffee Creamer that you can use at Target or Kroger to get a good deal after coupon. Deals available this week using the coupon include: Target or Kroger: Starbucks Liquid Coffee Creamer (28 oz.), $4.99 (regular price) $0.50/1 Starbucks Coffee Creamer printable coupon Total after Coupon: […]

The post Printable Coupon: $0.50 off Starbucks Coffee Creamer + Target or Kroger Deal appeared first on Centsable Momma.

]]>

There's a new printable coupon available for $0.50/1 Starbucks Coffee Creamer that you can use at Target or Kroger to get a good deal after coupon.

Deals available this week using the coupon include:

Target or Kroger:

Starbucks Liquid Coffee Creamer (28 oz.), $4.99 (regular price)
$0.50/1 Starbucks Coffee Creamer printable coupon
Total after Coupon: $4.49 ea.

Additional printable coupons available include:

Save $1.00 ONE (1) Family Pack of Mrs. Freshley’s Deluxe PAW Patrol Mini Muffins (Available at Walmart)
Save $1.00 on any ONE (1) Barbara's® Product
Save $1.00 on any ONE (1) MOM'S BEST® Product
Save $2.00 on the purchase of any ONE (1) JENNIE-O® Frozen Turkey Burger (2 lbs. or larger)
Save $1.00 on any ONE (1) Marzetti® Caramel Dip 10oz or more
Save $4.00 on any ONE (1) Claritin® Peds (8oz or 20 count or larger) or Claritin® RediTabs® for Juniors (30 count)
Save $4.00 on any ONE (1) Claritin® D (15 count or larger)
Save $8.00 on any ONE (1) Claritin® Liqui-Gels® (60 count or larger) or Tablets (70 count or larger)
Save $4.00 on any ONE (1) Non-Drowsy Claritin® (30 count or larger)
Save $20.00 on ONE (1) Philips Sonicare DiamondClean Smart
Save $1.00 ANY TWO (2) Garnier® Color Sensation haircolor products
Save $5.00 on ONE (1) Philips Sonicare ProtectiveClean 4100
Save $10.00 on any ONE (1) Philips Sonicare ProtectiveClean 5100, ProtectiveClean 6100 or FlexCare+ Electric Toothbrush

For additional printable coupons, check out Coupons.com, Red Plum, Savings.com and Smart Source.  If this coupon is no longer available, you can search for all available coupons in my Coupon Database.  Plus, check out the daily featured printable coupons with deals and my online coupon code database for online shopping.

The post Printable Coupon: $0.50 off Starbucks Coffee Creamer + Target or Kroger Deal appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/printable-coupon-0-50-off-starbucks-coffee-creamer/feed/ 0
ReNu Lens Solution (2 pk.): $7.28 + FREE Shipping https://www.centsablemomma.com/renu-lens-solution-deal/ https://www.centsablemomma.com/renu-lens-solution-deal/#respond Mon, 16 Sep 2019 16:01:40 +0000 https://www.centsablemomma.com/?p=388724 Right now, you can order ReNu Lens Solution (2 pk.) for only $7.28 after the 5% Subscribe & Save discount, $3 off eCoupon, and $2.99 extra savings.  Plus get FREE shipping on your order. Here's how it works: Visit Amazon to get ReNu Lens Solution (2 pk.) – sale price is $13.97 Click on the “Clip […]

The post ReNu Lens Solution (2 pk.): $7.28 + FREE Shipping appeared first on Centsable Momma.

]]>

Right now, you can order ReNu Lens Solution (2 pk.) for only $7.28 after the 5% Subscribe & Save discount, $3 off eCoupon, and $2.99 extra savings.  Plus get FREE shipping on your order.

Here's how it works:

  • Visit Amazon to get ReNu Lens Solution (2 pk.) – sale price is $13.97
  • Click on the “Clip This Coupon” button to get an additional $3 off your order – you may need to log in to your Amazon account to see the coupon.
  • Add ReNu Lens Solution (2 pk.) to your cart by choosing Subscribe & Save (to save an additional 5%).  Choose delivery every 1, 2, 3, 4, 5, or 6 months.  You can cancel the subscription at any time.
  • At checkout, your total should be $7.28 with all discounts.

Save 15% on your entire delivery (rather than 5%) when you subscribe to 5 or more items that arrive in the same month – making the price for this item only $5.88.

You can cancel the Subscribe & Save at any time so that you only receive your order this one time by logging into your account and clicking Manage Subscribe & Save.

Be sure to check out all the Amazon deals that I've been posting for some great deals

Please note: Amazon prices tend to change quickly, so be sure to check the price before you buy.

The post ReNu Lens Solution (2 pk.): $7.28 + FREE Shipping appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/renu-lens-solution-deal/feed/ 0
LEGO Star Wars Advent Calendar: $32.82 (18% off) + FREE Shipping https://www.centsablemomma.com/lego-star-wars-advent-calendar-deal/ https://www.centsablemomma.com/lego-star-wars-advent-calendar-deal/#respond Mon, 16 Sep 2019 15:58:45 +0000 http://www.centsablemomma.com/?p=66414 If you love the LEGO Advent Calendars, the new ones for this year are available (and are in-stock).  In past years they went out of stock way before the holiday, and it's rare to see them discounted at all. For a limited time, you can buy the LEGO Star Wars Advent Calendar for only $32.82 […]

The post LEGO Star Wars Advent Calendar: $32.82 (18% off) + FREE Shipping appeared first on Centsable Momma.

]]>

If you love the LEGO Advent Calendars, the new ones for this year are available (and are in-stock).  In past years they went out of stock way before the holiday, and it's rare to see them discounted at all.

For a limited time, you can buy the LEGO Star Wars Advent Calendar for only $32.82 (18% off) with FREE Super Saver shipping.  If your kids don't like LEGO, there are plenty of other great Advent Calendars for kids available.

If you prefer, you can also buy this LEGO Advent Calendar from Walmart for the same price with FREE in-store pickup.

About the LEGO Advent Calendar:

    • Celebrate the holidays with the 2019 LEGO Star Wars kids’ Advent Calendar
    • This 280-piece Christmas gift idea includes 24 LEGO Star Wars characters and mini models to build and play with on the foldout playmat
    • Kids will love opening a door each day to reveal a mix of classic and festive-themed Star Wars icons, like Luke Skywalker, Chewbacca, a Porg, and Poe’s X-wing
    • This LEGO Star Wars Christmas countdown calendar features buildable characters, vehicles, starships, locations and more from the legendary Star Wars universe
    • Boys and girls ages 6+ will enjoy waking up to this LEGO set with lots of original LEGO building bricks for endless creative play

Be sure to check out all the Amazon deals that I've been posting for some great deals

Please note: Amazon prices tend to change quickly, so be sure to check the price before you buy.

The post LEGO Star Wars Advent Calendar: $32.82 (18% off) + FREE Shipping appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/lego-star-wars-advent-calendar-deal/feed/ 0
6 Tricks to Simplify Your Finances https://www.centsablemomma.com/how-to-simplify-your-finances/ https://www.centsablemomma.com/how-to-simplify-your-finances/#respond Thu, 12 Sep 2019 19:00:47 +0000 https://www.centsablemomma.com/?p=424451 One of the reasons people do poorly at managing their finances is that they make it more complicated than it has to be. The truth is there are many little things you can do that will help make things easier. Whether you change the way you pay your bills or consolidate, you can be successful. […]

The post 6 Tricks to Simplify Your Finances appeared first on Centsable Momma.

]]>

One of the reasons people do poorly at managing their finances is that they make it more complicated than it has to be. The truth is there are many little things you can do that will help make things easier. Whether you change the way you pay your bills or consolidate, you can be successful. Let’s look at how to simplify your finances.

Pay Bills Automatically

When you set your bills to be paid automatically, you never have to worry about your bills being late. To ensure you have money in your account to cover these bills, consider having your paycheck deposited automatically. This will make your life so much easier.

We pay our mortgage and internet automatically.  We live in a more rural suburb, so most of our utility companies don't offer automatic bill payment.

Use Online Bill Pay

The only time I write checks these days is for things I need to pay for at my kids' school.  I use our bank's online bill pay to make all our payments to save both time and money (on stamps and checks).  As soon as I receive a bill, I schedule it in my bank's app so I don't have to worry about whether I paid the bill already or not.

Save Money Automatically

If you have trouble saving money, consider setting up an automatic transfer. Many banks allow you to transfer money from your checking to savings automatically. For example, you might setup a transfer of $200 per week. When you do this, you learn to treat saving money like any other bill and actually do it.

Close Excess Accounts

You may have had good intentions for opening several savings accounts. However, the more accounts you have, the harder it can be to manage them all. Close any accounts that you’re not utilizing and focus on your most used accounts.

We have both a savings account and a money market account.  The savings account is more liquid, since I can transfer money from savings to checking instantly.  The money market account earns more interest, but since it's an internet-only account it takes a few business days to transfer money between accounts.

I have all our sinking funds split between the savings and money market accounts and simply keep a spreadsheet to keep track of how much is allocated for everything.  I would go crazy with almost 30 different savings accounts (which is about how many line items I have in my spreadsheet).

Use the Cash Envelope System

If you want to make it super easy to stay on budget, use the cash envelope system. Each pay period, decide how much money you want to spend for each of your variable expenses and then put that money into envelopes for each expense. For example, you might put $150 a week into an envelope for groceries. Use this money rather than reaching for your debit card. This will force you to stick to your budget.

Get Out of Debt

Besides just saving money on interest and having debt payments, when you get out of debt life gets way less complicated!  You don't have a million different bills to pay each month (with due dates and minimum payments to juggle into your budget).  Rather than multiple credit card bills, you can see your debit card spending in your checking account and maybe just have a few utility bills that you can't auto pay each month.

Managing your finances doesn’t have to be difficult. All you need to do is make small changes to simplify your finances. Pay your bills automatically. Save automatically. Consolidate your bills as much as possible. Close excess accounts. Use the cash envelope system. Soon you’ll be able to think about your finances without getting frustrated.

The post 6 Tricks to Simplify Your Finances appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/how-to-simplify-your-finances/feed/ 0
FREE Kindle Book: You’re the Cream in My Coffee (Roaring Twenties Series Book 1) https://www.centsablemomma.com/free-kindle-book-youre-the-cream-in-my-coffee-roaring-twenties-series-book-1/ https://www.centsablemomma.com/free-kindle-book-youre-the-cream-in-my-coffee-roaring-twenties-series-book-1/#respond Thu, 12 Sep 2019 15:47:45 +0000 https://www.centsablemomma.com/?p=423218 Right now, you can download You're the Cream in My Coffee (Roaring Twenties Series Book 1) Kindle book written by Jennifer Lamont Leo for FREE from Amazon. About the book: Her first love was killed in the Great War. Or was he? Marjorie Corrigan’s quiet, orderly life turns topsy-turvy when her high school sweetheart—presumed killed […]

The post FREE Kindle Book: You’re the Cream in My Coffee (Roaring Twenties Series Book 1) appeared first on Centsable Momma.

]]>

Right now, you can download You're the Cream in My Coffee (Roaring Twenties Series Book 1) Kindle book written by Jennifer Lamont Leo for FREE from Amazon.

About the book:

Her first love was killed in the Great War. Or was he?

Marjorie Corrigan’s quiet, orderly life turns topsy-turvy when her high school sweetheart—presumed killed in the Great War—passes her in a Chicago train station. Where has he been all this time? Why hadn’t he come back to her? Suddenly her heart is full of doubts and her plans to marry another man in question.

Amid a whirlwind of trials and temptations, Marjorie must make a choice. Will the mystery man prove to be the cream in her coffee—the missing ingredient in her life? Will he provide the deep love her heart has been yearning for? Or will her “sweetheart” leave only bitterness behind?

Please note: Kindle prices tend to change quickly, so be sure to check that the total still says $0.00 before you “purchase” it.  If you do accidentally purchase a Kindle book after the price has increased, you do have a short amount of time to request a refund from Amazon.

Between the FREE books from Amazon and Kindle books I've checked out from the library, I've been having so much fun reading on my iPad.  I really thought I wouldn't like not having a physical book, but I love it.

If you're interested in additional Kindle freebies, you can check out the current FREE Kindle books.

The post FREE Kindle Book: You’re the Cream in My Coffee (Roaring Twenties Series Book 1) appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/free-kindle-book-youre-the-cream-in-my-coffee-roaring-twenties-series-book-1/feed/ 0
Printable Coupon: $1 off Jose Ole Snack Items + Walmart Deal https://www.centsablemomma.com/printable-coupon-jose-ole-snack-item/ https://www.centsablemomma.com/printable-coupon-jose-ole-snack-item/#respond Thu, 12 Sep 2019 15:41:08 +0000 http://www.centsablemomma.com/?p=219733 There's a new printable coupon available for $1/1 Jose Ole Snack Item (16 oz. or larger) that you can use at Walmart to get a good deal after coupon. Deals available this week using the coupon include: Walmart: José Olé Taquitos (22.5 oz.), $5.49 (regular price) $1/1 Jose Ole Snack Item (16 oz. or larger) printable […]

The post Printable Coupon: $1 off Jose Ole Snack Items + Walmart Deal appeared first on Centsable Momma.

]]>

There's a new printable coupon available for $1/1 Jose Ole Snack Item (16 oz. or larger) that you can use at Walmart to get a good deal after coupon.

Deals available this week using the coupon include:

Walmart:

José Olé Taquitos (22.5 oz.), $5.49 (regular price)
$1/1 Jose Ole Snack Item (16 oz. or larger) printable coupon
Total after Coupon: $4.49 ea.

Additional printable coupons available include:

Save $0.40 when you buy ONE CUP any flavor GoodBelly® Probiotic Lactose-Free Low Fat Yogurt
Save $1.00 on TWO (2) Tai Pei® Entrées or Appetizers (7.9 oz. or larger)

For additional printable coupons, check out Coupons.com, Red Plum, and Smart Source.  Plus, check out the daily featured printable coupons with deals. For all available coupons, you can search my Coupon Database.

The post Printable Coupon: $1 off Jose Ole Snack Items + Walmart Deal appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/printable-coupon-jose-ole-snack-item/feed/ 0
Arm & Hammer Baking Soda (5 lbs): $3.24 + FREE Shipping https://www.centsablemomma.com/arm-hammer-baking-soda-deal/ https://www.centsablemomma.com/arm-hammer-baking-soda-deal/#respond Thu, 12 Sep 2019 15:37:26 +0000 https://www.centsablemomma.com/?p=423313 Right now, you can order Arm & Hammer Baking Soda (5 lbs) for only $3.41 when you choose Subscribe & Save for FREE shipping.  I use baking soda for cleaning all the time!  You can check out 9 Uses for Baking Soda in Cleaning for some ideas. To order via Subscribe & Save, click the […]

The post Arm & Hammer Baking Soda (5 lbs): $3.24 + FREE Shipping appeared first on Centsable Momma.

]]>

Right now, you can order Arm & Hammer Baking Soda (5 lbs) for only $3.41 when you choose Subscribe & Save for FREE shipping.  I use baking soda for cleaning all the time!  You can check out 9 Uses for Baking Soda in Cleaning for some ideas.

To order via Subscribe & Save, click the Subscribe & Save checkbox on the right side, click the ecoupon, and click “Skip immediate delivery and just add subscription”.

Here's how it works:

  • Add Arm & Hammer Baking Soda (5 lbs) to your cart by choosing Subscribe & Save (to save an additional 5%). Choose delivery every 1, 2, 3, 4, 5, or 6 months. You can cancel the subscription at any time.
  • At checkout, your total should be $3.24 with all discounts.

You can cancel the Subscribe & Save at any time so that you only receive your order this one time by logging into your account and clicking Manage Subscribe & Save.

Be sure to check out all the Amazon deals that I've been posting for some great deals

Please note: Amazon prices tend to change quickly, so be sure to check the price before you buy.

The post Arm & Hammer Baking Soda (5 lbs): $3.24 + FREE Shipping appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/arm-hammer-baking-soda-deal/feed/ 0
Velveeta Original Shells & Cheese Microwavable Cups (8 ct.): $4.28 + FREE Shipping https://www.centsablemomma.com/velveeta-original-shells-cheese-microwavable-cups-deal/ https://www.centsablemomma.com/velveeta-original-shells-cheese-microwavable-cups-deal/#respond Thu, 12 Sep 2019 15:31:58 +0000 https://www.centsablemomma.com/?p=424514 Right now, you can order Velveeta Original Shells & Cheese Microwavable Cups (8 ct.) for only $4.28 when you choose Subscribe & Save for an additional 5% discount and FREE shipping. To order via Subscribe & Save, click the Subscribe & Save checkbox on the right side, click the ecoupon, and click “Skip immediate delivery […]

The post Velveeta Original Shells & Cheese Microwavable Cups (8 ct.): $4.28 + FREE Shipping appeared first on Centsable Momma.

]]>

Right now, you can order Velveeta Original Shells & Cheese Microwavable Cups (8 ct.) for only $4.28 when you choose Subscribe & Save for an additional 5% discount and FREE shipping.

To order via Subscribe & Save, click the Subscribe & Save checkbox on the right side, click the ecoupon, and click “Skip immediate delivery and just add subscription”.

Here's how it works:

Save 15% on your entire delivery (rather than 5%) when you subscribe to 5 or more items that arrive in the same month – making the price for this item only $3.83.

You can cancel the Subscribe & Save at any time so that you only receive your order this one time by logging into your account and clicking Manage Subscribe & Save.

Be sure to check out all the Amazon deals that I've been posting for some great deals

Please note: Amazon prices tend to change quickly, so be sure to check the price before you buy.

The post Velveeta Original Shells & Cheese Microwavable Cups (8 ct.): $4.28 + FREE Shipping appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/velveeta-original-shells-cheese-microwavable-cups-deal/feed/ 0
20 Delicious Disney Treats https://www.centsablemomma.com/20-delicious-disney-treats/ https://www.centsablemomma.com/20-delicious-disney-treats/#respond Wed, 11 Sep 2019 19:00:50 +0000 https://www.centsablemomma.com/?p=424453 There are so many amazing Disney movies made over the year!  Plus, it's always a great family vacation to visit Disney World.  If you love Disney as much as we do, you'll love these 20 Delicious Disney Inspired Treat recipes. The treats are from a wide variety of featured Disney films including Winnie the Pooh, […]

The post 20 Delicious Disney Treats appeared first on Centsable Momma.

]]>

There are so many amazing Disney movies made over the year!  Plus, it's always a great family vacation to visit Disney World.  If you love Disney as much as we do, you'll love these 20 Delicious Disney Inspired Treat recipes.

The treats are from a wide variety of featured Disney films including Winnie the Pooh, Beauty and the Beast, Aladdin, Toy Story, Mickey Mouse, the Incredibles, Snow White, Mary Poppins, and The Little Mermaid.  So cute, and a great way to celebrate the Disney lover in your life.

20 Delicious Disney Treats

Cute Winnie the Pooh Cupcakes

Photo Credit: kimandcarrie.com

Disney's Beauty and the Beast Cupcakes Recipe Tutorial

Photo Credit: www.janinehuldie.com

Aladdin Cupcakes Disney Inspired Recipe Tutorial for The Newest Movie

Photo Credit: www.janinehuldie.com

Try the Grey Stuff Recipe With Brownies

Photo Credit: twokidsandacoupon.com

Tigger Donut Recipe: Bouncy Pouncy Tiggerific! Celebrate Winnie The Pooh and Christopher Robin! #ChristopherRobin

Photo Credit: coolmomscooltips.com

Disney's Beauty and the Beast Inspired Chip Teacup Cappuccino #BeautyandtheBeast

Photo Credit: coolmomscooltips.com

Toy Story Alien FreakShake Recipe - Cool Moms Cool Tips

Photo Credit: coolmomscooltips.com

Mickey Mouse Ice Cream Sundaes for Parties.

Photo Credit: cutefetti.com

Mickey Mouse Bark Recipe And FREE Mickey Mouse Activity Sheets

Photo Credit: ottawamommyclub.ca

Dumbo Peanut Clusters Recipe - Ottawa Mommy Club

Photo Credit: ottawamommyclub.ca

Cute Toy Story Alien Gelatin Cups

Photo Credit: kimandcarrie.com

Incredibles Treats: No Bake Cookie Snacks for the Disney Movie

Photo Credit: kimandcarrie.com

Woody Pudding and Other Toy Story Party Food Ideas

Photo Credit: www.hunnyimhomediy.com

Buzz Lightyear Floats with Free Toy Story Party Printables

Photo Credit: www.hunnyimhomediy.com

Snow White Poison Apple Pie Pops

Photo Credit: www.letseatcake.com

Mary Poppins Cupcakes ⋆ Sugar, Spice and Glitter

Photo Credit: sugarspiceandglitter.com

Disneys Under the Sea Ursula Cupcakes

Photo Credit: pprgiveawaysandfreebies.com

Mickey Mouse Hot Chocolate

Photo Credit: www.getawaytoday.com

Disney Copycat Recipes – Chocolate Dipped Mickey Rice Krispies Treats

Photo Credit: www.momendeavors.com

Minnie Mouse Cupcakes

Photo Credit: prettyprovidence.com

The post 20 Delicious Disney Treats appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/20-delicious-disney-treats/feed/ 0
FREE Kindle Book: A Cowboy’s Reunion (Family Ties Book 1) https://www.centsablemomma.com/free-kindle-book-a-cowboys-reunion-family-ties-book-1/ https://www.centsablemomma.com/free-kindle-book-a-cowboys-reunion-family-ties-book-1/#respond Wed, 11 Sep 2019 18:06:20 +0000 https://www.centsablemomma.com/?p=424508 Right now, you can download A Cowboy's Reunion (Family Ties Book 1) Kindle book written by Carolyne Aarson for FREE from Amazon. About the book: He’s still reeling from their breakup. She’s ashamed of what she did. Can a chance reunion mend the fence, or are some hearts forever broken? Kane can't face running his […]

The post FREE Kindle Book: A Cowboy’s Reunion (Family Ties Book 1) appeared first on Centsable Momma.

]]>

Right now, you can download A Cowboy's Reunion (Family Ties Book 1) Kindle book written by Carolyne Aarson for FREE from Amazon.

About the book:

He’s still reeling from their breakup.

She’s ashamed of what she did.

Can a chance reunion mend the fence, or are some hearts forever broken?

Kane can't face running his foster family’s ranch alone. By now he'd hoped to live on the property with his wife and children, but his ex-fiancée’s betrayal threw a wrench into his dreams. Despite his anger, after he discovers his former flame down and out, he knows providing shelter is the right thing to do.

Faith Howard always dreamed of entertaining audiences with her guitar and even sacrificed a future with a good man to follow her heart. Life on the road didn’t turn out like she hoped and now she's broke and out of luck. When her ex selflessly offers help, she can't help but be riddled with guilt.

As the estranged couple recovers from the past, a friend of the family drops off two toddlers and heads for the hills. Will Kane and Faith’s new role as surrogate parents help them heal old wounds and find a second chance, or will the weight of too much baggage push them apart?

A Cowboy’s Reunion is the first book in a sweet western romance series called Family Ties. If you like second chance stories, buried passions, and big country settings, then you’ll love Carolyne Aarsen’s heartfelt novel.

Please note: Kindle prices tend to change quickly, so be sure to check that the total still says $0.00 before you “purchase” it.  If you do accidentally purchase a Kindle book after the price has increased, you do have a short amount of time to request a refund from Amazon.

Between the FREE books from Amazon and Kindle books I've checked out from the library, I've been having so much fun reading on my iPad.  I really thought I wouldn't like not having a physical book, but I love it.

If you're interested in additional Kindle freebies, you can check out the current FREE Kindle books.

The post FREE Kindle Book: A Cowboy’s Reunion (Family Ties Book 1) appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/free-kindle-book-a-cowboys-reunion-family-ties-book-1/feed/ 0
Printable Coupon: $2/4 Ben & Jerry’s Pints + Walmart Deal https://www.centsablemomma.com/printable-coupon-ben-jerrys-pints/ https://www.centsablemomma.com/printable-coupon-ben-jerrys-pints/#respond Wed, 11 Sep 2019 17:54:53 +0000 http://www.centsablemomma.com/?p=61494 There's a new printable coupon available for $2/4 Ben & Jerry's Pints that you can use at Walmart this week to get a good deal after coupon. Deals available this week using the coupon include: Walmart: Ben & Jerry's Ice Cream (16 oz.), $4.47 $2/4 Ben & Jerry's Pints printable coupon Total after Coupon: $3.97 […]

The post Printable Coupon: $2/4 Ben & Jerry’s Pints + Walmart Deal appeared first on Centsable Momma.

]]>

There's a new printable coupon available for $2/4 Ben & Jerry's Pints that you can use at Walmart this week to get a good deal after coupon.

Deals available this week using the coupon include:

Walmart:

Ben & Jerry's Ice Cream (16 oz.), $4.47
$2/4 Ben & Jerry's Pints printable coupon
Total after Coupon: $3.97 ea. wyb 4

Target:

Ben & Jerry's Ice Cream (16 oz.), $4.59
$2/4 Ben & Jerry's Pints printable coupon
Total after Coupon: $4.09 ea. wyb 4

Additional printable coupons available include:

Save $1.00 any ONE (1) 52oz. TROPICANA PURE PREMIUM® bottle
Save $0.40 when you buy ONE CUP any flavor GoodBelly® Probiotic Lactose-Free Low Fat Yogurt
Save $2.00 on the purchase of any THREE (3) Icelandic Provisions™ Traditional or Krimi Skyr products (4.4 oz. – 24 oz.)
Save $2.00 on any TWO (2) SlimFast Keto Products
Save $0.75 on any TWO (2) Ben & Jerry’s pints
Save $1.00 on TWO (2) Tai Pei® Entrées or Appetizers (7.9 oz. or larger)
Save $1.00 on any ONE (1) José Olé® Snack (16 oz. or larger)
Save $1.00 on any THREE (3) Ben & Jerry’s pints
Save $1.00 when you purchase ONE (1) lb. of Prima Della® Teriyaki Chicken in the service deli (Available at Walmart)
Save $2.00 on ONE (1) FLONASE Brand Product 60 ct. or larger
Save $2.00 on any ONE (1) Nature's Truth® Vitamin or Supplement
Save $4.00 on ONE (1) FLONASE Brand Product 120 ct. or larger
Save $2.00 on any ONE (1) K-Y® product
Save $4.00 any TWO (2) EVER shampoo, conditioner or treatment (excluding 3 oz. trial size, sheet masks, value packs and kits)
Save $1.25 on ONE (1) Dove Dry Spray Antiperspirant Deodorant (excludes trial & travel sizes)
Save $1.00 on ONE (1) Dove Advanced Care Antiperspirant Deodorant (excludes trial & travel sizes)
Save $4.00 on any ONE (1) bag of BLUE™ dog or cat dry food
Save $1.00 on any THREE (3) cans of BLUE™ dog or cat wet food

For additional printable coupons, check out Coupons.com, Red Plum, Savings.com and Smart Source.  If this coupon is no longer available, you can search for all available coupons in my Coupon Database.  Plus, check out the daily featured printable coupons with deals and my online coupon code database for online shopping.

The post Printable Coupon: $2/4 Ben & Jerry’s Pints + Walmart Deal appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/printable-coupon-ben-jerrys-pints/feed/ 0
Cottonelle Ultra CleanCare Toilet Paper (36 Family Rolls): $15.18 + FREE Shipping https://www.centsablemomma.com/cottonelle-toilet-paper-deal/ https://www.centsablemomma.com/cottonelle-toilet-paper-deal/#respond Wed, 11 Sep 2019 17:43:34 +0000 http://www.centsablemomma.com/?p=265455 Right now, you can buy Cottonelle Ultra CleanCare Toilet Paper (36 Family Rolls) for only $15.18 ($0.14/regular roll) after the 5% Subscribe & Save discount.  Plus get FREE shipping on your order. Here's how it works: Visit Amazon to get Cottonelle Ultra CleanCare Toilet Paper (36 Family Rolls) – sale price is $15.98 Add Cottonelle […]

The post Cottonelle Ultra CleanCare Toilet Paper (36 Family Rolls): $15.18 + FREE Shipping appeared first on Centsable Momma.

]]>

Right now, you can buy Cottonelle Ultra CleanCare Toilet Paper (36 Family Rolls) for only $15.18 ($0.14/regular roll) after the 5% Subscribe & Save discount.  Plus get FREE shipping on your order.

Here's how it works:

Save 15% on your entire delivery (rather than 5%) when you subscribe to 5 or more items that arrive in the same month – making the price for this item only $13.58 ($0.12/regular roll).

You can cancel the Subscribe & Save at any time so that you only receive your order this one time by logging into your account and clicking Manage Subscribe & Save.

Be sure to check out all the Amazon deals that I've been posting for some great deals

Please note: Amazon prices tend to change quickly, so be sure to check the price before you buy.

The post Cottonelle Ultra CleanCare Toilet Paper (36 Family Rolls): $15.18 + FREE Shipping appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/cottonelle-toilet-paper-deal/feed/ 0
4 Reasons Why You Need a Financial Advisor https://www.centsablemomma.com/why-you-need-a-financial-advisor/ https://www.centsablemomma.com/why-you-need-a-financial-advisor/#respond Tue, 10 Sep 2019 19:00:35 +0000 https://www.centsablemomma.com/?p=424449 Let’s be honest for a moment. Dealing with your finances can be difficult. Not only can it be difficult, but it can also be time-consuming. If you feel that the task is tedious, chances are you’re going to deal with it as little as possible. This can hurt you financially. Not taking the time to […]

The post 4 Reasons Why You Need a Financial Advisor appeared first on Centsable Momma.

]]>

Let’s be honest for a moment. Dealing with your finances can be difficult. Not only can it be difficult, but it can also be time-consuming. If you feel that the task is tedious, chances are you’re going to deal with it as little as possible. This can hurt you financially. Not taking the time to look at your investments on a regular basis can result in losing money.

Thankfully, there are financial advisors who can help you. Let’s take a closer look at why you need a financial advisor.

Financial Advisors Are Knowledgeable

You may know a thing or two about investments and which companies are worth looking into, but a financial advisor spends his entire career studying the markets and making decisions on which investments are best. In other words, unless you spend time each day looking at and tracking the market, chances are a financial advisor would do a better job at investing your money.

Financial Advisors Do More Than Invest

A financial advisor can help you with a number of financial topics. Outside of investing, an advisor can help you with an estate plan, your taxes, and even your spending strategies. In other words, if you’re the type that needs a bit of direction on how to best manage your money, you would benefit from having a financial investor.

Financial Advisors Take the Stress Out of Financial Planning

Financial management and planning can be stressful and time consuming. It can be easy to become panicked when the markets take a dive or a company you’re invested in has bad publicity. It can also be stressful to try and make time for your finances. This is why you need a financial advisor. Not only can he or she stay calm while making hard decisions, but he has the time to make the right decisions.

Financial Advisors See More Than You Do

It can be hard to get a good look at your finances because you’re buried in the middle of them. A financial advisor gets an outside look. This allows him to see the problem areas and come up with solutions.  Plus, they're not emotional about the decisions and can help you make a smart decision without giving in completely to your emotions.

If you want to make the most of your money and investments without going crazy, a financial advisor may be worth investing it. Make an appointment to meet with a financial investor and see how he can help you take the stress and difficulty out of managing your finances.

The post 4 Reasons Why You Need a Financial Advisor appeared first on Centsable Momma.

]]>
https://www.centsablemomma.com/why-you-need-a-financial-advisor/feed/ 0