All Posts By

Brittany Cooper

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Racing Across America in 6 Days! – Payments Race USA 2018

You know those times in life when you have to take a chance?

When there are a million reasons why you shouldn’t do something but it’s a once in a lifetime opportunity, you close your eyes, hold your breath, and jump in!

That’s what I’m doing this Thursday! Yikes!!! I am crazy nervous but out of my mind excited!

I am one of five racers in The Payments Race 2018 USA! Racing from NYC starting THIS THURSDAY and ending in Vegas on Tuesday. The racer with the most points wins!

Racers earn points by completing different challenges each day as they journey from state to state using only one form of payment each!

You can watch my video about the race here that just went live today!

  Continue Reading →

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7 Savings Accounts Your Family Will Be Lost Without!

Did you know that your savings goals could be pointless if you don’t have more than one savings accounts? Mass financial destruction is caused by unorganized savings accounts!

This doesn’t have to be you! There is a simple solution to help you start reaching your financial goals! It’s as simple as separating your savings into multiple savings accounts!

Our family currently has 7 and counting…

Did you know that your savings goals could be pointless if you don’t have more than one savings accounts? Mass financial destruction is caused by unorganized savings accounts! This doesn’t have to be you! There is a simple solution to help you start reaching your financial goals! It’s as simple as separating your savings into multiple savings accounts! Continue Reading →

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Meal Planning for Beginners – October 2018 Meal Plan & Grocery Haul

This post contains affiliate links at no additional cost to you. Thank you so much for supporting Pennies Into Pearls by using my links!

Meal planning for beginners might sound complicated and overwhelming at first, but give it a try and use this free meal plan to help make the process a lot easier!

 

Eating healthy on a budget is totally possible! How does $350 to cover your monthly grocery haul sound! This monthly grocery haul is going to show you how to eat healthy on a budget and help your entire family do the same thing! Costco and Target healthy grocery haul 2018.

Last month hubby and I completed our first ever Whole30 and it was awesome! We pretty much just ate meat, eggs, fruits, and lots of veggies for 30 days. The process is to help us figure out what foods our body can use best. Along the process we are also developing a lot healthier lifestyle!

We have learned a lot in the past 50 days but my favorite thing is we are learning how to balance organic eating with a small budget.

This month’s meal plan is another one full of whole nutritious meals that are easy, fast, cheap, and family friendly. Last month was another Whole30 meal plan if you want more healthy meal ideas.

You can read more about the Whole30 lifestyle change here.

Questions About Monthly Meal Planning for Beginners?

Pearl! I got you! Make sure you read this article on how to meal plan for beginners. In there you will find all the tips you need to make sure that you plan to the best of your ability and stay on budget!

 

Related Articles:

 

I’m also always sharing our daily frugal living tips for back to school survival over on my Instagram stories! It’s super fun over there so don’t forget to follow along!

 

My Favorite App for Grocery Shopping on a Budget

Did you guys know that Ibotta and I share the same birthday month!? It’s like our grocery bond was meant to be before either of us even existed here on this earth!

Because it’s their birthday (and I’m going to pretend like they are celebrating my birthday too…), between October 2-7 they are going to be giving away $1,000 a day to a lucky Ibotta shopper!

To be entered to win, post on Twitter or Instagram why you love Ibotta and how it’s helped your life, using the hashtag #IbottaversaryGiveaway. Visit the Ibotta blog for more details, and in the meantime, keep earning cash back with the free Ibotta app.

 

Helping your family eat healthy is about to get a lot easier! FREE PRINTABLE MEAL PLAN to cover your healthy eating habits for an entire month! It includes 16 healthy dinner ideas, 8 healthy lunch recipes, and 10 healthy breakfast recipes. All these healthy recipes are Whole30 and Paleo compliant!

Remember how our family used to spend over $1,000 a month on food? Remember how when we were spending that insane amount of money each month it was just for hubby and I? As in, “party of two”. Crazy!

Once I finally realized how much money and food we were wasting, I made it my mission to save as much money as possible on our grocery budget. That is when I first fell in love with Ibotta.

My qualifications for cash back apps to save money were as follows:

  • Must be easy & fast to use
  • Must save me money
  • Gift card or cash (Paypal or Venmo) opportunities to redeem cash back

Check. Check. Check!

My very favorite app to us is Ibotta! I have done an entire tutorial on how to use the app to maximize your savings. But in a nutshell this is how I do it, I do my normal grocery shopping first.

Then once I get all my groceries home, I will quickly open the app and search the two stores that I just went shopping at to see if there are any rebates that apply to my groceries. There are usually 3-4 that I can claim. This saves me around $5 each time I use the app.

If that doesn’t sound like much, trust me! The three minutes that it takes me to save $5 is 100% worth it! These small savings add up quick and once you hit $20 you can cash out in PayPal or Venmo, or choose from a bunch of really awesome gift cards! I usually choose Target and treat myself to a well deserved “mom’s only” snack!

If you are new to Ibotta, sign up using this link and you will automatically get $10 after you claim your first rebate! So easy!

This week the rebate I am most excited about has to be $4.00 cash back on a tri-tip steak or roast! I mean, how often do you get to save money on buying meat!? Great opportunity to save! Whenever Ibotta has cash back offers on meat, I claim them ASAP!

All offers were valid as of publish date. Don’t forget to check your app for details as offers change frequently and may not be available in all areas.

 

October 2018 Monthly Meal Planning for Beginners PRINTABLE

Do you want to get my monthly meal plan printables earlier?  If you sign up for my weekly newsletter, you will get them the week before the new month starts! Pretty handy right?

You can download this month’s budget friendly meal plan here.

Eating healthy on a budget is totally possible! How does $350 to cover your monthly grocery haul sound! This monthly grocery haul is going to show you how to eat healthy on a budget and help your entire family do the same thing! Costco and Target healthy grocery haul 2018.

 

October 2018 Grocery Haul

Eating healthy on a budget is totally possible! How does $350 to cover your monthly grocery haul sound! This monthly grocery haul is going to show you how to eat healthy on a budget and help your entire family do the same thing! Costco and Target healthy grocery haul 2018.

Take a peek at what it looks like to buy all non-perishable or freezable groceries for this exact meal plan.

I’d love to hear any questions you have! Leave them down in the comments below!

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3 Habits Holding You Back From Getting Serious About Paying Off Debt

If it isn’t already, paying off debt needs to become your number one priority! When you live with debt, you are literally risking the roof being stripped away from your family. Living with debt is making you rely on someone else’s money for survival.

It’s time to become more self reliant and start paying off debt!

You probably don’t even realize it yet, but chances are you are living with a few subtle habits that are eroding the stepping stones for you to start paying off debt. Let’s shine some light on those habits to help you quit over spending and start paying off debt quick!

 

Related Articles:

You probably don’t even realize it yet, but chances are you are living with a few subtle habits that are eroding the stepping stones for you to start paying off debt. Let’s shine some light on those habits to help you quit!

 

Our Debt Free Story

Back in 2012 there were two major goals hubby and I wanted more than anything! We wanted desperately for me to be able to quit my job to be a stay at home mom. We wanted to buy our first home in one of the most expensive cities in the country in order stay close to family.

The problem was that we owed over $20,000 in debt and those payments we were making made it impossible to put money into savings.

That’s when we realized we couldn’t move forward with any of our life goals with that debt weighing us down!

That is when becoming debt free moved to priority numero uno! You can read more about our debt free journey here.

After a couple years of trial and error, we realized we had a few bad habits that needed to be broken if we wanted to get ahead of our debt!

 

3 Habits Holding You Back From Getting Serious About Paying Off Debt

(youtube video)

 

 

  • Stop fighting about money with your spouse!

 

First and foremost, you need to get on the same page about finances with your spouse! You both need to have a clear picture of where you want to go. If you don’t know where you want to go then it’s impossible to know which path to take!

That is why so many couples can’t seem to look eye to eye when it comes to their finances. Sit down together and write out all your dreams for the next 1, 5, and 10 years. Then come together to figure out your financial action plan to start making those dreams a reality!

Once you both realize that these financial steps are actually getting you closer to what you both prioritize in life, it’s a lot easier to stay motivated and pay off that debt!

I created a Financial Unity Workbook to help you through this process quickly and painless.

 

 

  • Stop eating out and start meal planning!

 

You’re gonna need to find some extra cash to start suffocating that debt. The fastest way to find that cash is to take a look at how much you are spending on food each month!

If it isn’t already, paying off debt needs to become your number one priority! When you live with debt, you are literally risking the roof being stripped away from your family. Stop these 3 habits and you can start paying off debt quickly even with just one income!

 

CNBC last year reported that the average American household on average spends over $3,000 a year on eating out! Crazy! That doesn’t even include how much food waste (which equals wasted cash!) is happening within the home.

How much faster would you pay off your debt if you had an extra $3,000 this year? And that’s just the start!

Meal planning is the fastest way to cut back on eating out and to save money on groceries!

 

 

  • Stop swiping the plastic!

 

I sure hope I don’t need to tell you this but if you want to start paying off debt, it’s going to help tremendously if you stop building more and more debt. So just stop it!

The other plastic we are talking about here would be your debit card. If you have a hard time sticking to your budget, then switching over to a cash envelope system could be a game changer for you!

It has been statistically proven that shoppers spend less money when they use cash. That has turned out to be 100% true for our family.

Before we switched to cash we thought we had a budget in place but every two weeks we would overdraft our bank account! But after we switched to our cash envelope budget it was like magic! We could stick with it!

Sticking to your budget is going to be paramount when it comes to paying off debt for your family! Using cash is going to help you get there!

What is your biggest challenge when paying off debt?

What seems to be your biggest hurdle to face when it comes to getting rid of your debt? Do you feel like it’s even worth it to be debt free? Let’s chat about it in the comments!

Thanks for stopping in and I’ll talk to you soon! Xoxo

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Casual Couponing for Beginners to Save Hundreds Each Month

Nobody has the time to do any extreme couponing! But is there still a way to make couponing work with a busy schedule and still save any money? There are a few super simple techniques for couponing for beginners that will help you do exactly that!

I found a way to make couponing quick and still help our family save a chunk of money every month and that’s what I want to teach you today!

15 minutes a week using this system of couponing for beginners will help cut over $100 out of your grocery shopping budget each month! Here are 10 super simple techniques for couponing for beginners that will help you do exactly that! Continue Reading →

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Fast Freezer Sandwiches for Easy Lunch Prep

Any task that you repeat over and over needs to be batched! Are you repeatedly making sandwiches for lunches over and over again? It’s time to stop! Let me show you how to make a whole lot of lunch freezer sandwiches at one time to help you save a bunch of time in your week!

I was first introduced to the idea of lunch freezer sandwiches from my friend Stephanie from Six Figures Under. She always has the best money and time saving tips!

This is how to make a whole lot of lunch freezer sandiwches at one time to help you save a bunch of time in your week! Freezer cooking is the perfect way to do batch cooking and make it work for lunches too! Continue Reading →

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September 2018 FREE Meal Plan Printable

There is a huge myth that I am on a mission to bust! Have you ever been told, or maybe told yourself, that it’s impossible to eat healthy on a budget? In this month’s free meal plan printable and grocery haul I am going to prove that thinking wrong!

The biggest influence on this month’s healthy meal plan is that Hubby and I are currently undertaking our first ever Whole 30. If you aren’t familiar with the program, pretty much all you eat for 30 days is meat, eggs, a lot of veggies, and some fruit. That’s it.


It is possible to eat a healthy Whole30 lifestyle on a budget and still have food full of flavor and a variety of healthy meal ideas! This FREE PRINTABLE meal plan covers 16 healthy dinner ideas, 8 healthy lunch recipes, and 10 healthy breakfast recipes. All these meal ideas are Whole30 and Paleo compliant!
Continue Reading →

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Healthy Monthly Grocery Haul – September 2018

This Healthy Grocery Haul post is written by me in partnership and sponsored by Ibotta. All opinions are my own.

Call me crazy but I will never be able to go back from doing a monthly grocery haul. Yup, I buy an entire month’s worth of groceries on a budget all at the beginning of the month!

Eating healthy on a budget is totally possible! How does $350 to cover your monthly grocery haul sound! This monthly grocery haul is going to show you how to eat healthy on a budget and help your entire family do the same thing! Costco and Target healthy grocery haul 2018.

I feel like I have got it down to a science! Between my meal planning and monthly grocery shopping, we were able to cut our grocery spending from over $1,000 a month to under $400!

You can read more and learn how you can do the same thing in this article all about our grocery budget.

Use this month’s grocery haul as inspiration to cut your grocery bill. What would you do with an extra $600 this month?

 

Related Articles:

I’m also always sharing our daily frugal living tips for back to school survival over on my Instagram stories! It’s super fun over there so don’t forget to follow along!

 

My Favorite App to Save Money on Our Monthly Grocery Haul

There are a lot of extra expenses that we are trying to overcome in this month’s grocery haul! With back to school meals and healthy eating being the main hurdles!

The easiest and fastest way I have found to save money on my shopping is to use my favorite cash back app Ibotta.

If I was giving out trophies for helping make my life easier, Ibotta would get it! They make earning cash rewards so simple!

After I make my monthly meal plan and grocery list, I pull up the app and search the stores where I plan to shop, then look to see if any items from my list have a cash reward available. I also look to see if there are any offers that I could use as a substitute for something currently on my grocery list.

They make it so simple to redeem your cash back offers! Once you make your purchase you can submit your receipt. After it has been confirmed, your cash reward is credited to your account! Bam!

Ibotta is going to make eating healthy so much more affordable this month for our family! I have already found five rebates for fresh and healthy groceries I can claim!

I can’t express how much I love building up cash rewards from doing something that is already a part of my day!

What’s New This Month?

School is back in session for the kids, two of the kids started soccer season, and to top it of hubby and I decided to take on a new diet.

What that means is that our meals this month need to be especially easy and fast but also super healthy!

As for our “diet”, we have started a Whole30. You can read more about that here and if you want to buy the book make sure to shop online using Ibotta for cash back on your purchase!

Pretty much we eat only meat, eggs, a lot of fresh vegetables, and some fresh fruit. That’s it. This is going to take on a whole new grocery shopping strategy!

I need to find a way to make all the extra fresh produce and meat work into our $400 monthly grocery budget…

You’re gonna have to watch the video to find out how I ended up handling this situation!

 

September 2018 Healthy Grocery Haul

In this month’s grocery haul video I share a ton of tips to help you stack the savings on your grocery shopping.

Remember that all Ibotta offers were valid as of the recording of this video. Don’t forget to check your app for details as offers change frequently and may not be available in all areas.

*All offers discussed in this video were valid at time of recording. Don’t forget to check your app for details as offers change frequently and may not be available in all areas.

Thanks so much for stopping in and I will talk to you very soon!