fbpx
0
Browsing Tag

save money

1

10 Diaper Bag Essentials for the Frugalista

All moms are busy and us frugalista mamas are definitely no exception! So making sure that our bags are packed and ready for the unexpected is key to our survival!

Have you ever thought about how being prepared can save you money? If you keep your bag stocked with these diaper bag essentials then you will be less likely to find yourself in a situation where you need to make an emergency purchase.

10 Diaper Bag Essentials - penniesintopearls.com - You do not want to leave home without these diaper bag essentials. Plus, learn how they will save you money! Continue Reading →

18

Why I’m Doing a Savings Challenge #31DaysLWSZ

Who has heard of Ruth Soukup’s money saving challenge called “31 Days of Living Well & Spending Zero” challenge?

If you want to jump start your savings and/or your budget then you will want to sign up for this savings challenge! Leave a comment below if you are joining and we can help each other make it the entire 31 days!

You can go to Living Well Spending Less to get entire details and actually sign up. But let me tell you in a nutshell, what this savings challenge is all about.

Why Im Doing a Savings Challenge -penniesintopearls.com - #31DaysLWSZ Find out why YOU need to do this savings challenge with me! This savings challenge is going to save you big bucks! Continue Reading →

How to Budget And Be Happy

Maybe I am just a total nerd but I honestly get really excited when I start planning out our monthly budget! The idea of not having a looming debt over our head is completely freeing!

This state of mind has not always been with me. I got married pretty young… Like when I was 20! So… that’s young. Talk about being thrown into the financial independence fire! I literally went from relying on my parents for 98% of all of my income and paying for all my expenses, to 0% in a matter of days. Luckily I married a really awesome man who knew a lot more on the subject then I did! But it would be a complete lie if I told you that it wasn’t hard to learn how to budget.

Learning to live on a budget can be quiet the transition. No matter how old you are. It is going to be hard at first. There really isn’t any way around this. (If you know of a way, let me know!) But with a little hard work and dedication you can learn to be happy!

How to Budget and be Happy - penniesintopearls.com - Great tips on how to budget but to also be happy! Extra tips on how to live frugal and fabulous! Continue Reading →

5 Most Overpriced Snacks at the Movies

Are you someone who loves to go to the movies? Do you love to go see the latest flick the very night it opens? I am a person who would love to do that but going to the movies is crazy expensive. We usually only go to the theaters if we have been given a gift card. On a very rare occasion we will pay full price if there is a movie that we just cannot wait to watch at home.

Overpriced Snacks at the Movies - penniesintopearls.com - Make sure to skip the line on these most overpriced snacks at the movies! Continue Reading →

2

How to Organize Your Closet for Pennies

Have you ever seen those beautiful before and after pictures of a nicely organized closet? The ones where everything is color coordinated, pretty baskets and bins are all matching. Do you ever wish that your closets looked like those?

I have! The problem I always run into when I try to attempt this seemingly magical feat is that to buy baskets and containers that all match each other can be crazy expensive. One pretty basket on it’s own can cost more than $15 each! If you need more than a few, your price tags are quickly adding up to be more than $100!

No way! That is insane and a pretty closet is not worth it! But don’t you worry! I am going to show you how to organize your closet and only spend a few pennies. I was able to organize 2 large closets and made them look beautiful for under $15. There are only three tips you need to know to do the same thing.

How to Organize Your Closet for Pennies - penniesintopearls.com - Tips on how to get organized and where to find the supplies for cheap to keep you in budget!

Look at a thrift store
The secret… thrift store finds! For a few weeks I would go into the thrift store and search their isles for any sturdy office organizing tools. Things like stackable files, desk organizers, pencil holders, and paper holders were all things that I found almost on a weekly basis.

Don’t worry about the pieces matching. We will take care of that next. For now, focus on looking for items that will suite your needs. Try to think outside the box. One item I bought is actually made to hold little coffee creamers but is now being used to house all of our miscellaneous office supplies.

Every single piece I bought cost about $1.50 – $2.00. This method is way cheaper then going to the store to buy brand new.

Save your leftover condiment tubs
Things like leftover yogurt tubs, glass jars, or tin cans will help make this project achieve your desired end result. Again, they don’t need to match. Just make sure to get them all cleaned up and remove any paper labels. Then you are ready to make them look organized.

Spray paint
I told you I was going to show you how to organize your closet and make it look pretty and this is where the makeover happens. Choose just one color of spray paint that you love and would like to see in your soon to be beautiful closet.

How to Organize Your Closet for Pennies - penniesintopearls.com - Tips on how to get organized and where to find the supplies for cheap to keep you in budget!

Now take all of those pieces you just found at the thrift store, go to a well-ventilated area (outside is best), and start painting all the pieces the same colors! Some of the things I had I only painted part of it, like glass jars. I wanted to be able to see what was inside so I cleaned off the glass and only painted the lids.

How to Organize Your Closet

Take a look at what these pits looked like before I started on this organizing journey…
How to Organize Your Closet for Pennies - penniesintopearls.com - Tips on how to get organized and where to find the supplies for cheap to keep you in budget!

How to Organize Your Closet for Pennies - penniesintopearls.com - Tips on how to get organized and where to find the supplies for cheap to keep you in budget!

Pull everything out
Let everything completely dry and bring them inside and start organizing. My closets were a disaster zone. We called one of them “the craft pit.” The very best thing to do is have all of your new organizing tools set out and just pull every single piece out of your closet!

Every – single – piece! As you are pulling things out place them in piles of related use. So papers with papers, coloring supplies, kids crafts, ribbons, things like that all piled together.

Throw it away
Don’t be afraid to throw things away that you know you don’t need. I was surprised at how much trash I had in there. Not just things I didn’t think I would be using but actual pieces of trash.

Finished!

How to Organize Your Closet for Pennies - penniesintopearls.com - Tips on how to get organized and where to find the supplies for cheap to keep you in budget!

How to Organize Your Closet for Pennies - penniesintopearls.com - Tips on how to get organized and where to find the supplies for cheap to keep you in budget!
It sounds like a lot of work but let me tell you, I spent about 2 hours total getting this project completed and I am so happy that I did! Sometimes as I am walking through our hallway I will just stop and open the closets to look in and see how pretty they look now. You will be so happy you did it!

How to Organize Your Closet for Pennies - penniesintopearls.com - Tips on how to get organized and where to find the supplies for cheap to keep you in budget! How to Organize Your Closet for Pennies - penniesintopearls.com - Tips on how to get organized and where to find the supplies for cheap to keep you in budget!

 

How a Budget Can Strengthen Your Marriage

It happens to almost everyone… You decide it’s time to sit down and look over your bank account and your budget. Both you and your sweetie are dreading the conversation because you just know that it is going to end in a high intensity discussion and you would rather cuddle up and watch a movie on the couch.

Although I wasn’t able to specifically pin down a cold-hard statistic on how financial issues influence marriage, I think it is safe to say that financial problems are one of the highest influences when it comes to marital disagreements.

But guess what! Going over your budget doesn’t have to involve a yelling match. We all know we should never yell in our homes. Right?

How a Budget Can Strengthen Your Marriage - penniesintopearls.com - 3 tips in budgeting that will help you strengthen your marriage. Easy things every couple should be doing with a budget to help strengthen their marriage. Continue Reading →

How to Save Money when Having a Baby

With baby number three having just arrived in our family, my mind has turned to prepping. Baby prepping. I am trying to think about everything and anything I can do to save time and money for when the little guy comes! That way all my thoughts and attention can be on my family!

Having a newborn join your family is one of the very most exciting times in life! It almost feels like the world stops for those first few days and weeks and all you have to do is love and care for your precious little one.

Then reality hits. The world doesn’t actually stop. Your bills still need to be paid. Your other kid or kids, your hubby, and yourself still need to be fed. Your house still needs to function somewhat. It is a lot to juggle all at the same time!

But even with all the things that are still on the never ending to-do list you still want and need that special time to enjoy while your baby is still a baby! I have found that the very best way handle this balancing act is to prepare as much as possible.

Budgeting for Baby - penniesintopearls.com - Great ideas on how to budget for when you are having a baby. Tips on how to save money even when baby is here.
Continue Reading →

1

2 DIY Cleaners For Your Home

Who is ready to start getting rid of harsh chemicals from your home? Well, let me introduce you to Leanne from The Transplanted Southerner who has massive amounts of knowledge on this very topic!The Transplanted Southerner

She is sharing two super simple and cheap recipes to help take care of any and all wood furniture in your home. You are about to be inspired to start making all of your household cleaners on your own! Here she is:

I have inherited quite a few of my grandmother’s beautiful antiques, and I’ve added to the collection whenever I find something lovely (and inexpensive!) on Craigslist or at a thrift store. Most of my grandmother’s furniture came to me in pretty good shape, although a couple of the pieces had been stored near a dehumidifier and the wood was very dry.

Our dresser and headboard, however, were Craigslist scores and, while gorgeous pieces, were in quite bad shape. With a little love, and a good deal of elbow grease, I’ve brought them all back up to snuff and we have some really nice, solid wood furniture throughout the house.

In an effort to keep them looking nice, I dust them weekly and polish them every 6-8 weeks. Typically, 6 weeks in the winter because our gas heat leaves everything feeling dried out, and every 8 weeks in the summer when it’s a little more humid.

For a while, I was using Pledge dusting spray and Old English furniture oil. Don’t get me wrong, those products work and I was happy with the results….but…..well, I was trying to make a shift to natural products and I mean I was making my own laundry detergent for goodness sakes! Yet there I was stocking up on chemical laden sprays and oils. Good grief! (As Charlie Brown would say)

I knew making household cleaning products was a breeze, my “one product for all purposes” bathroom cleaner is cheap and easy to make as well as use. Surely to goodness I could come up with a little something for my favorite furnishings, and, with some research, I did! I won’t lie, I had some amazingly bad flops the first couple of tries, but I’m saving you the headache and hassle by sharing the ones that I know DO work (and work well)!

DIY Dusting Spray

DIY Dusting Spray - penniesintopearls.com - use these two DIY cleaners to get rid of all the chemicals in your home and have a naturally clean home all while saving money!

First, the dusting spray because this is what you’ll use the majority of the time. You don’t need much to make this spray, it isn’t anything fancy, but it works like a charm and smells like a dream (um, after the vinegar scent dissipates ha ha)!

What You Need
1 glass jar or glass spray bottle
Filtered water
White Vinegar
Olive Oil
Essential Oils (if you want to add scent and extra furniture protection – I like to use Eucalyptus and Orange or Lemon oil because it smells clean and gives you a little energy boost while cleaning)

What To Do
1. First, make sure your jar or bottle is clean. It needs to be glass if you are adding essential oils because they can eat through plastic (ask me how I know).  But if you don’t want the essential oils you can try plastic though I would go with a PET (polyethylene terephthalate) bottle. They can usually be found in health food stores, but if you don’t have one locally or can’t find them they can be purchased inexpensively from places like Amazon or Spark Naturals.

2. I didn’t list specific amounts because that can vary greatly. I make up my dusting spray every week or two so I don’t make a large batch. Someone else might need more and make a larger bottle. The important thing is to remember the ratios. They are:

3 parts water
1 part vinegar
1 tsp (for a smaller batch) to 1 TBSP (for a larger batch) of olive oil
5-8 drops (for a smaller batch) to 8-12 drops (for a larger batch) of essential oil

My recipe looks like this:
1 cup of water
1/3 cup of vinegar
1 tsp of olive oil
4 drops of eucalyptus essential oil
4 drops of lemon essential oil

3. Add the olive oil and essential oil first, and swirl them around to get them mixed well. Then add the water and vinegar, cap and shake. That’s all there is to it!

The essential oil combo I use is great because the eucalyptus repels pests like bugs and the lemon is an excellent degreaser so it teams up with the vinegar to cut through any grime on the furniture surface.
Once it’s well mixed you can just spritz lightly like you would a regular dusting solution and wipe down with a clean, soft cloth.

You want to use a light touch. You’re just using a bit of liquid to help wipe away the dust, not washing the wood! Remember to give it a shake every so often to keep it mixed. That’s it!

*Side note – if you don’t have a spray bottle, that’s okay. For almost a year, I mixed mine up in an old pickle jar for quite some time before investing in bottles. Simply put the lid on and shake the jar, then put the cloth over the top of the jar and tip to dampen the cloth. Wring the cloth out so it is slightly wet, not dripping, and wipe down your furniture. I promise that this works just fine!

Now let’s talk about keeping the wood hydrated and shiny.

DIY Wood Polish

DIY Dusting Spray - penniesintopearls.com - use these two DIY cleaners to get rid of all the chemicals in your home and have a naturally clean home all while saving money!

Wood can dry out, especially when exposed to dry heat or stored in an area with a dehumidfier, so it is important to rehydrate the wood. It will not only keep the wood itself in top condition, but will make your home look well put together and cared for. Wood furniture that has become to dry will look lackluster, and the color won’t be as rich. Nothing says “good housekeeping” like some gleaming wood furniture!

The polish I use is actually a little more of a “shoe polish” consistency than an oil, so I store it in a glass jar with a canning lid. The consistency won’t affect the results you get, because this polish will liquify and soak into the wood as you rub it on. Think of it as a “wood salve”.

What You Need
1 cup Coconut oil
1/4 cup Olive oil
2-4 TBSP Beeswax (use less if you want a more lotion-y polish, more if you want it to be a bit more like a wax)
Essential Oils (I choose to use Cedar and Lemon – but you can pretty much use anything you’d like)

What To Do
1. You’re going to melt the oils down to mix them together, so you’ll need to put them in a thick glass jar or bowl. Now set THAT inside a pot of water (do not get water inside the jar or glass), and bring the water to a medium heat. Allow the oils to melt slowly, stirring occasionally.

2. Once everything is melted, pour it into a glass jar that has a good lid that seals well. You can use a canning jar, like I do, or repurpose an older jelly or jam jar.

3. Before the polish begins to firm up, add your essential oils and give it a good swirl with a toothpick or skewer to mix the oils throughout the polish base. I love to use Cedar and Lemon essential oils in mine. The cedar isn’t overpowering and it has a nice, slightly rustic smell. Cedarwood is also a relaxing smell, so you can sit in your freshly cleaned room and unwind later. Lemon is just fresh and clean, hence its presence in so many cleaning products, and the oil can help clear up any musty odors that might be lurking about.

4. Now, set it to the side and allow it to cool off and firm up. You can go ahead and use it, or seal it up for later use.

Did this remind you of a salve recipe? It pretty much is! You could rub this on your skin if you wanted, so you don’t have to worry about pets or kids getting this on them, and it doesn’t pose a hazard to you as you polish your pretty wood furniture.

On the weeks that I’m going to polish I use a barely damp cloth to dust my furniture in preperation for polishing. You don’t necessarily have to use the dusting spray beforehand since you will be adding the polish, although you can put a bit of vinegar into the water if the furniture looks very dusty to help get it clean before you use the polish. Adding polish to dusty furniture would only create a mess.

Use small dabs as you go, because it doesn’t take much. You want this to soak in and hydrate the wood, not leave an oily film siting on the surface of the wood. I keep a second cloth with me to buff the wood once I’ve applied the polish and this helps bring out the natural beauty of the wood without leaving anything behind to attract dust (which pretty much negates cleaning your furniture, right?) or look greasy.

Now that you know how to make your own dusting spray and furniture polish, are you ready to make the switch to other naturally based household cleaners? You can find my carpet cleaning solution recipe here, we like it so much more than the bottled shampoos sold in stores!

1

7 Tips for Eating Healthy on a Budget

One of the top concerns I hear when I talk about shopping on a budget is eating healthy. Before I really started delving deep into the frugal world I thought the same things. It’s just not possible to be eating healthy on a budget. Wrong! You totally can!

Really it comes down to prioritizing. If eating healthy is a priority for your family, then within your budget you need to make it a priority. You might have to sacrifice a little in other categories to bump up your grocery budget a little.

If there is no room for movement in your monthly expenses, don’t you worry! I still have a few more tips up my sleeve for you! It’s not a secret that eating healthy takes a little more work. But don’t you agree that it is so worth it? Not only are you physically going to be healthier, you might even loose some unwanted L-Bs, and your food is going to taste way better then something that has been processed!

Tips for Eating Healthy on a Budget - penniesintopearls.com - Follow these easy 7 tips for eating healthy on a budget. Don't worry about coupons, click to find out what else you can do easily to start eating healthy! Continue Reading →