Tag: money saving tips

  • Which Family Pass Should You Buy?

    Which Family Pass Should You Buy?

    Zoo or Garden Membership? Pogo or City Pass? Theme Park Season Pass? We help you decide.

    Several years ago, I was invited to write an article for the Houston Zoo website and newsletter as the Member of the Month. I’ve never been more excited to work for free! When we lived in Houston, we visited the zoo very often, even just for a quick pizza dinner next to the giraffes. Here is an excerpt from my article:

    My family has had a membership at the zoo for about 7 years. In the first couple years, I pushed a single stroller with my eager and curious daughter, planning each visit around her favorite animals: the elephants, sea lions, and big cats. Soon enough, I was cruising around the zoo with a double jogger, making sure that each visit included a carousel ride, a trip to the playground, many animal sightings, a crawl (or two or three or thirty) through the tunnel in the Natural Encounters house, and a stroll past the monkeeeeeys for my son.

    Now, we go as a family of five with two big kids leading the way and another eager and curious daughter in the single stroller. We never miss the African Forest, which houses my favorite animals, the majestic giraffes. Plus, my husband insists on going through the bug house, despite the terrifying cockroaches, because he was one of the engineers for that exhibit. We all challenge ourselves to see if we can make it to every corner of the zoo. We don’t want to miss anything!

    After submitting that article, not only did we add an additional zoo-lover to our family, but it hit me that the zoo truly was one of our family’s happy places, and we vowed to visit zoos all over the country whenever we travel together.

    However, zoo admissions continue to increase in cost, and many of them have added extra experiences at prices that will take a big bite into the budget.

    There’s good news, though — a zoo membership can make a huge difference! Once we discovered the added benefits of a zoo membership, we took advantage of it as we traveled and as we planned get-togethers with family and friends. It really saved us a lot!

    So, we decided to do a cost-benefit analysis of membership and family pass offerings to help decide which one(s) give a family the most bang for its buck. Is the zoo membership the only one that’s worth its weight in gold for a young family? We had to find out.

    The four options listed below seem to be the most common, at least in our area, and we’ve tried all of them. Continue reading until the end, though, for our reviews on other memberships and passes.

    Membership Options

    What is Reciprocal Membership?

    Paying for one zoo membership not only gets you in for free at that specific zoo for an entire year, but it also gets you in free or 50% off admission to dozens of other zoos and aquariums across the country. Check out this site to see which zoos and aquariums are included. Make sure your home zoo (or the one at which you buy a membership) participates.

    In a two-year span, my family visited the Cameron Park Zoo three times, Houston Zoo at least three times, Fort Worth Zoo, Oakland Zoo, Dallas Zoo, and San Antonio Zoo. Because of our membership benefits, we saved over $400 on zoo visits while traveling, in addition to the savings we were able to pass along to friends through free day passes and inviting them as our guests.

    With most botanical garden memberships, you get free access to other gardens in the American Horticultural Society network. You just show your membership pass at the admission gate of the participating garden. However, if you’re planning to bring the whole family, and you have more than 2 children, reach out to the botanical garden you intend to visit in advance. They may have restrictions on how many children are included with your reciprocal admission.

    We recently purchased a family membership for the Lady Bird Johnson Wildflower Center, and since our purchase a few months ago, we’ve visited the Dallas Arboretum and Zilker Botanical Garden for free, saving us over $50, not to mention the $100 we saved from visiting the wildflower center with friends where we hold the membership.

    The City Pass and Pogo Pass do not offer reciprocal privileges. You must use your pass for specific locations listed.

    What about special events or exhibits?

    Most zoos and gardens have special events for Halloween (Zoo Boo), the holidays (Zoo Lights), and in the spring or summer (Zoobilee), to which members get free or reduced admission. Many also have free yoga classes, education events for children, opportunities for overnight campouts, and toddler/infant socialization times. Additionally, members often get early access once per month that allows entrance prior to the general public and features specific animal talks or classes. Members also get discounts on carousel or train rides and gift shop purchases.

    The City and Pogo Pass usually exclude special events or special exhibits.

    Any other benefits?

    Your zoo or garden membership can be considered a tax-deductible charitable donation going toward animal and habitat conservation. Saving money on family experiences and taxes too… win-win!

    The City Pass and Pogo Pass are not considered charitable donations.

    So, Which One is My Best Option?

    Well, that depends.

    Which attractions are you most likely to visit and how often?

    If you think you’ll visit the zoo at least twice and may visit another one while traveling elsewhere, definitely get a zoo membership to the location you’ll go most often. Be sure that it’s a part of the reciprocal membership program. Same for the garden membership.

    If you’re not into zoos or gardens but prefer indoor activities and sports games, pick the Pogo Pass and be sure to use a discount code before you purchase the passes. You can usually find them on Groupon, by asking friends, or by searching Google. The discount is often 50%.

    Will you be traveling soon and plan to do touristy things?

    If you plan to stay in a big city and hit the most popular tourist attractions, the City Pass or Go City Pass is likely your best bet, UNLESS you’re willing to brave the crowds and schedule your visits around the free or discounted days. Many attractions, especially if they receive tax dollars or donations as part of their operating income, offer a free day each week or month with limited hours. Many theme parks and water parks offer discounts for specific days or hours as well. For example, several water parks reduce their price if you go after 5 pm. These free or discount day options will require advanced research and planning for specific attractions.

    If you visit a location often and/or like to experience the less crowded play places with your family, look for a Pogo Pass for that city. Some include multiple cities on the pass and can be used for an entire year. Therefore, you can travel to multiple destinations at different times and get free admission to fun activities. For example, there is a Pogo Pass that combines Waco, San Antonio, and Austin locations. That could be three different vacations with multiple options for each trip and only spending $50 per person (cost of the pass on a discount) for entertainment at all three locations.

    Other Passes and Memberships

    There are so many additional options for memberships and discounts at attractions and venues, several of which we’ve tried but haven’t consistently used for several reasons. Your family may benefit greatly from them, though.

    Gym or YMCA

    A YMCA membership can be great to have year-round if you plan to enroll your children in the youth programs, camps, or sports and if you enjoy working out at their gyms. The membership can be especially beneficial in the summer because you can take your kids to several different pools throughout the city and even squeeze in a workout while they’re in child watch. We have definitely gotten great value out of a YMCA membership during the summer months.

    Occasionally, gyms will run a special promotion that waives the enrollment fee, which really makes the monthly cost worth it. Currently, YMCA of Austin is offering a 7-day trial membership, and Crunch Gym is South Austin is offering an entire month free, plus no enrollment fee. Crunch has babysitting available but no children’s camps/sports or a pool to offer.

    DWK Recommendation: Sign up for emails from whichever gym or YMCA you’re most interested in so you can be in the know on specials they run on memberships and when they offer free community days or classes. Often, the YMCA will host community swim days or festivals (membership not required). Just ask to be added to the email list or sign up for a trial membership to get your name in the system.

    Museums

    We did not include memberships to museums in the list above because we have not found them to be economical choices for our family. However, if you have a museum that your children love to frequent, it may be worth it for your own family.

    The memberships usually only include the permanent exhibits, which do not change, and can be a bit tedious for my kids to visit often. Also, while the reciprocal membership option (NARM) offers discounts or free admission to other museums when you travel, there is often a restriction that prevents you from using your reciprocal membership at other participating museums within a 15-mile radius of the institution where you hold your membership. That means that we’d have to pay for admission to the other local museums since most museums are close to each other within a “museum district”.

    DWK Recommendation: Just about every museum offers free days weekly or monthly. Otherwise, you can sometimes find discounts available on Groupon or through City Passes. So if there’s a museum we really want to visit, we check out their website to find out which days they offer free admission or search for other discounts online.

    Theme Parks and Water Parks

    Any theme park or water park offers a season pass, and usually there are multiple levels to choose from. We’ve held Six Flags season passes in the past, and while we saved quite a bit from using it that year, it’s not a place we go to often enough to make it worth it every year. So, again, this is dependent on each family’s interest and ages of their children. We’ve made exceptions and found the season pass to be worthwhile, though, when we planned a birthday party at Six Flags. We brought three extra girls to the theme park, and with the benefits that were offered at the time (significant discounts for season pass holder’s guests) and the free parking, we saved more than we spent on the pass for my daughter. It seems the best time to buy a season pass for most of these attractions is during April or May, prior to the busy summer season, or during holiday promotions that will give you admission for the rest of that year and the year that follows.

    DWK Recommendation: If you know your family will visit the theme park multiple times, it’s definitely worth buying the season pass. Otherwise, if we want to go to a theme park, we just look for discounted days or promotions to take advantage of.

    Local Pool Pass

    Most public pools offer a summer season pass with unlimited admission. They can cost anywhere from $125 – $300 for a family. We bought one when we lived in Houston for a neighborhood pool that we knew several friends would visit often. It was an easy and fun way to spend several summer afternoons, especially since we knew we’d see friends at the pool no matter what day we went.

    In Dripping Springs, we found the Springs Family YMCA pool to be the spot where we’d often bump into friends. However, the local city pool was hit or miss, so we have to plan in advance to meet up with friends there. It hasn’t been often enough for us to splurge on a season pass, though, and the city pool doesn’t offer additional benefits such as classes, childcare, the gym, and camp options.

    Also, there are so many wonderful, free or affordable pools and splash pads, river access spots, lakes, neighborhood pools where friends live, and friends’ backyard pools that I don’t think we could even get to every single one of them in a summer. Likely, you won’t be able to either.

    DWK Recommendation: If your family will be home for several days in the summer and will want to swim in a familiar place with lifeguards, a YMCA membership is a good option. If you happen to prefer the neighborhood or city pool, I would just do a cost analysis and determine how many visits it would require before reaching the total cost of the summer pass. Otherwise, just bounce around and enjoy the variety of swimming options in your area.

    With a plethora of passes to choose from, you could potentially end up with too many memberships to take advantage of in a year. We hope this analysis helps you decide where to spend your money in the hopes of saving more in the long run. As always, please feel free to comment and share what works best for your family.

    Find more Dripping with Kids at https://www.instagram.com/dripping_with_kids/ or on Facebook at https://m.facebook.com/drippingwithkidsblog/.

  • Best Frugal Alternatives to Austin Attractions

    Best Frugal Alternatives to Austin Attractions

    Save Money with These Alternatives to Austin and Hill Country Hot Spots

    There seem to be limitless attractions in Austin and within the surrounding Texas Hill Country. These include trails, swimming holes, museums, playgrounds, classes, farms, festivals, and historical sites. My kids and I enjoy almost everything in this area! However, too many choices can paralyze the planner; they can also blow the budget.

    Two of my kids are homeschooled. We have a lot of time each day, which we try to fill with unique learning experiences. Most of my weekly plans involve getting my kids out of the house.

    Unfortunately, many attractions, even those in natural landscapes, can be upwards of $20 per person. That adds up too quickly, especially with a large family. We’re often searching for options that are free or at least cost half as much as the typical attraction price.

    To assist both with my planning and yours, I’ve compiled a list of frugal alternatives to the top attractions in the Austin area and the Texas Hill Country. These alternatives are not only cheaper, but they’re likely to be less crowded, especially on weekdays.


    Hot Spot: Hamilton Pool ($12/car + $8/adult)

    Frugal Alternative: FREE Hamilton Greenbelt

    While Hamilton Greenbelt is more of a trail than a tourist attraction, it offers a view of waterfalls, shaded walking trails, creeks to splash in (if it’s been raining), a bird blind, picnic tables and grassy area for sunning, a few animal sculptures to search for, and no fee, plus free parking.


    Hot Spot: Umlauf Sculpture Garden ($7/adult)

    Frugal Alternative: FREE Day at Contemporary Art Museum and Laguna Gloria (all day Thursdays)

    See beautiful sculptures as you stroll along the calm waters of the Colorado River. Add on a visit to Mayfield Park to make your day truly unique and tranquil.

    Frugal Alternative: FREE Bee Cave Sculpture Park

    This short trail is a fun stop to add on to a day at the Hill Country Galleria, where you can visit the cute library, do a little shopping, and see additional art exhibits along the store fronts and at Bee Cave Art Foundation.


    Hot Spot: The Thinkery Children’s Museum ($18/person)

    Frugal Alternative: FREE pass from Dripping Springs Library

    You can still visit the popular children’s museum yet avoid the crowds on free museum days. Just check out a weekly admission pass from the library. Dripping Springs Library definitely has them, and chances are, other local Austin libraries do too. You can go for FREE during the less busy hours.

    Frugal Alternative: McKenna Children’s Museum in New Braunfels ($8/person)

    This museum is my younger kids’ absolute favorite! Their imaginations come alive in the many role play areas. These include the hospital room, the grocery store, the space station, the bank, the art studio, and the outdoor water play area. We spend the whole day there for just $8 per person. Plus, there are several cute restaurants nearby to grab lunch. (Admission fee grants you in/out access all day.)

    Frugal Alternative: Johnson City Science Mill ($11/adult, $9.50/child)

    The Science Mill is a frugal alternative if you’re up for more science-focused exhibits. It offers both indoor and outdoor hands-on experiences. They have many special events throughout the year as well.


    Hot Spot: The Austin Zoo ($19/adult, $16/child)

    Frugal Alternative: FREE Austin Nature and Science Center

    Explore animal exhibits, both indoor and outdoor. Visit a frog pond and streams where you can catch tadpoles with your own net. Discover rooms with insect and animal specimens. Enjoy a sandy dino dig area…. all for free.


    Hot Spot: San Antonio Zoo ($32/adult, $28/child)

    Frugal alternative: Cameron Park Zoo in Waco ($14/adult, $10/child)

    If you’re willing to travel out of town for a bigger, better zoo experience, head north instead of south. You’ll find several of the same animals and a more chill and close-up experience at the Cameron Park Zoo. If you love zoos as much as we do, you might want to consider getting a zoo membership. It offers reciprocal discounts at other zoos.


    Hot Spot: Kayak Tour of Austin ($45)

    Frugal alternative: Zilker Boats BOGO Deal ($21/2 hours)

    Explore Lady Bird Lake on a kayak or paddleboard. Take in the downtown skyline and the beauty of Zilker Park for half the price (on weekdays). Coupon is on the site linked above.


    Hot Spot: Bob Bolluck State History Museum ($13/adult, $9/child)

    Frugal alternative: FREE day at Bob Bullock State History Museum

    HEB sponsors a FREE museum day on the first Sunday of each month at the Bob Bullock Museum from 10 am – 5 pm.


    Hot Spot: Lady Bird Johnson Wildflower Center ($15/adult, $8/child over 4)

    Frugal alternative: FREE Wildseed Farms in Fredericksburg

    If your goal is to stroll among beautiful wildflowers, marvel at creative art pieces, and find cute photo ops, this free alternative is the way to go. You can enjoy a picnic or cafe-style lunch. Roam freely in the great outdoors. You can even do a little wine tasting or shopping. There aren’t as many play areas specific to children. However, this unique spot hosts many fun events with kid-friendly activities. These include a Fall Festival, live music options, and a butterfly release day.


    Hot Spot: Guadalupe or Comal River Tubing Float ($20-$25/person)

    Frugal alternative: FREE Rio Vista Park at San Marcos River

    Hit the rapids, jump off the bridge, linger in the shade, or float the slow current of the San Marcos River. Bring your own tube to drop in at Rio Vista Park. Head downstream a bit to find one of the best tube chutes around.


    Hot Spot: ZACH Theater Performance ($15-$40)

    FREE musicals at Hill Country Galleria or Zilker Hillside (summer only)

    Keep these options in mind for next summer. There are shows almost every night of the week with kid-friendly themes and excellent actors, all for free.

    Affordable high school musicals ($10-$15/person)

    Check the high school websites in your area for musicals in the Fall and in the Spring. Most are produced at a very high quality, and there’s a lot of young talent on those stages!


    Hot Spot: Barton Springs Pool ($5-$9/adult, $3-$5/child)

    Frugal alternative: FREE Barking Springs

    This open access swimming area is just downstream from the popular swimming hole. It’s open year-round and has no restrictions on food and drink. It can attract a crowd, as well as lots of dogs, during popular times and really hot days. Swim at your own risk and go early to claim a spot on the bank. The easiest way to access Barking Springs is to go down the staircase just east of the Zilker Park Playground. You can park in the first parking lot near the playground.


    Hot Spot: Austin Aquarium ($25/adult, $20/child)

    Frugal alternative: The Meadows Center for Water and the Environment ($12/adult, $8/child)

    Head down to San Marcos for a glass bottom boat tour, aquarium, discovery center, and trails. The cost is significantly less, and the experience is focused on conservation and education. If you want a truly frugal experience, go on a Family Fun Day for FREE admission and activities for children. There are also homeschool days that mimic a field trip for only $10/person (pre-registration required).


    Hot Spot: Austin Bouldering Project ($20/person)

    Frugal alternative: Hill Country Indoor Climbing Area ($5/person)

    For only $5/hour, you can try out a variety of challenging climbing walls at Hill Country Indoor. These walls are unique. You can climb even if you’re not a member of the gym. Call ahead to make sure the climbing area isn’t reserved for a party.


    Hot Spot: Painting with a Twist ($40-$50/event)

    Frugal alternative: FREE Art Classes at Buda City Library

    This library has several options for all ages. It includes teen art projects and adult art with Inspired Minds. However, they offer more than just art classes. There are also STEM classes for homeschoolers, come and go crafting, cooking classes, and more.


    Hot Spot: Pioneer Farms ($8/adult, $6/child)

    Frugal alternative: FREE LBJ State Park and Sauer-Beckmann Farm

    Pioneer Farms is a cool place and not that expensive. However, Sauer-Beckmann Farm and LBJ State Park are completely free. It’s one of our favorite attractions in the area. There are period actors every day working the farm and demonstrating how people homesteaded more than 100 years ago. There are also hiking trails, a museum, and animals to visit.


    We hope this list encourages you to check out some of the lesser-known attractions in the area! Some require more of a drive. You might also need a bit more packing or planning. However, my family thinks they’re all worth it. Plus, the savings make a huge difference, allowing us to get out and explore even more.

    If you’d like to experience some of the bigger attractions, as well as semi-professional games, in San Antonio, Waco, and Austin at a huge discount, check out the POGO Pass. It charges one annual fee per person for free admission into multiple family-friendly places.

  • The Essential Summer Kit for the Car

    The Essential Summer Kit for the Car

    A violent storm in the middle of tennis practice that we walked to…

    A vomiting episode while on the way to a birthday party…

    A car seat covered in urine…

    A random invitation to a friend’s pool while out running errands (with no swimsuits on hand)…

    An extended play date at a shade-less playground in 95 degree heat…

    A swarm of mosquitos on a hiking trail…

    After years of summer surprises hitting me like a ton of bricks, I finally smarted up and decided that my car needs to be well-stocked for summer! I always keep a duffel bag in the back of my mommy-van full of these essentials for the entirety of summer, which in Texas lasts from March through October.

    Essential Summer Kit for the Car
    • Swimsuits & towels
    • Extra change of clothes, hats, & sandals
    • Picnic blanket
    • Sunscreen & aloe
    • Bug spray
    • Sand toys (pails, shovels, trucks) & Bubbles
    • Soccer ball or kickball
    • Playing/flash cards & books
    • A little cash
    • Wipes, paper towels, & tissues
    • Baby powder (for cleaning off wet sand)
    • A couple plastic bags for wet clothes or trash
    • First aid kit
    • Bottled water
    • Non-perishable snacks
    • Umbrella

    This kit has saved me more times than I can count and allowed us to have uninterrupted summer fun. We’ve been able to linger longer at an activity or park. I’ve been able to say ‘yes’ to random splash pad stops. We’ve added on state park visits to an otherwise boring morning. I’ve been able to clean up disgusting messes while on the go, tame countless snack cravings without resorting to fast food, and wait out unexpected downpours.

    This little bit of preparation has helped us truly enjoy summer’s spontaneous moments.

    Check out A Mom’s Survival Guide to Summer for more ideas on how to have your best summer yet!

  • Sunday Surprise: Making the Most of What You Have in Your Pantry

    Sunday Surprise: Making the Most of What You Have in Your Pantry

    State of our pantry this morning

    When my kids open the pantry door to find it looking like this, let the whining commence: “There’s NOTHING to eat!” If they don’t see their favorite pre-packaged lunch and snack items, they are at a complete loss as to how to feed themselves. But I see several days of meals and snacks in this pantry…

    – Noodles (with butter and Parmesan) for my picky eaters or meatless spaghetti for others

    – Mac n cheese, Ramen, and Spaghettios for quick lunches (in a thermos for school)

    – Canned veggies and baked beans for sides

    – Flour and sugar for muffins (paired with nuts and/or the frozen bananas I’ve been saving)

    – Oats and peanut butter for homemade granola bars, oatmeal balls, and flourless PB/chocolate chip cookies*

    – Loads of cereal for breakfast and the after-school munchies

    Red beans and Rice for dinner

    – Quinoa and pecans to add to my leftover spinach for a more substantial salad

    – Canned refried beans to pair with eggs and diced tomatoes for a Southwest breakfast scramble or dinner option

    – Pancake mix for Sat morning hot cakes

    – Ritz crackers and PB (and maybe some raisins on top) for toddler lunch or snack

    – Rice Krispies and marshmallows for my kids’ favorite treat

    – Canned corn for a hearty chowder (can add potatoes and diced ham or bacon for a full meal)

    – Popcorn, remaining potato chips, and tortilla chips + bean dip for appetizers, sides, or snacks

    – Gluten-free crackers, goat cheese in the fridge, and dates for a hearty and quick Mom-lunch

    – Barley for a filling soup

    – Biscuit mix + Nutella for another breakfast option

    While my kids might see our pantry as half-empty, I see it as a pantry half-full. The above list of options may not be enough to stretch for an entire week if you’re feeding a large family, but if you’re looking for ways to save on groceries, you could add a few reasonably-priced perishable essentials, such as fresh fruit and veggies, milk, bread, cheese, lean meats, and butter. With those additions, I bet your “bare” pantry could feed your family for over a week.

    Full disclosure – I did take a trip to the grocery store this afternoon because my fridge was looking a little sad and because I have a 4-year-old obsessed with milk, as well as a 9-year-old who binges on fruit. However, I don’t plan to venture back to H-E-B for at least 2 weeks, and our monthly (food only) grocery bill remains under $550 for our family of 6. For more ideas on how to save on groceries, check out my post, 7 EASY Ways to Save on Groceries.

    * For this week’s Sunday Surprise, I used ingredients I always have on hand to make Flourless Peanut Butter Oatmeal Chocolate Chip Cookies (recipe linked above in list). These are usually a special treat for my husband and me, and the kids have to be quick to snag one for themselves!

  • 7 EASY Ways to Save Money on Groceries (Changing your Habits)

    7 EASY Ways to Save Money on Groceries (Changing your Habits)

    Adulting seems to be a repetitive drill of one step forward and two steps back. As soon as you pay to get your car washed, a huge storm rolls through. After you painstakingly clean your kids’ play room, you discover that your living room and children’s bedrooms are disastrous. When you finally set a goal to save money and start investing or pay down debt, large unexpected expenses arise.

    I was so pumped to start 2020 on an even better track with my budgeting and savings, but …. life happened. It’s only mid-January, and setbacks have already occurred. A higher-than-expected emergency room bill from November showed up in the mail. All 4 tires on my minivan had to be replaced yesterday. The necessary home improvement project we tackled last weekend cost twice as much as we budgeted for it. And today, my computer wouldn’t turn on at all. It’s January 24th, and we’re already facing thousands in additional, unanticipated expenses.

    So, where do I go from here? Thankfully, we have money in reserves and can cover emergency expenses, but I have to admit that defeat set in. I realized that I needed to find wins to stay the course and keep motivated. I opened up my budget spreadsheet to account for the additional spending, and while staring at all the numbers, I noticed one that was significantly lower than usual… my grocery spending! I’ve been implementing some of my own money saving tips, as well as advice from other bloggers, over the last few months to reduce our grocery costs. And I discovered that our January grocery spending is $509 LESS than what it was just 4 months ago. Win! In October of 2019, we spent $1320 on groceries and household items (diapers and wipes included), which was a somewhat typical month for us. However, this month, we are at $811 ($680 on food items only) with no plans to go back to the grocery store until February, and I promise you that no one in my family of 6 is starving. We’ve been eating the same meals we usually do… hearty soups, tacos and burritos, casseroles, chicken and turkey salad sandwiches, spaghetti, roasted chicken and veggies, protein-rich salads, etc. All the norm, all for less money. And my plan is to keep getting our grocery bill lower and lower until we’re near my $600 goal. But how?

    There are dozens of resources on the internet to reduce your spending on groceries. I am in complete awe of most of these incredible penny pinchers and home chefs, but I have to admit that many of the plans seem like a lot of work. I’d love to be awesome at food prep, monthly meal planning, large batch cooking, intense couponing, and deep-freezing, but after years of convincing myself that I’d get better at these tasks, I still haven’t. Therefore, I had to find my own system of cutting costs, and it primarily involves a change in mindset and a break from routine.

    Here are my 7 EASY Ways to Save Money on Groceries without Making Drastic Changes:

    1. Ask yourself whether you HAVE TO go. One of the best ways to save money on groceries is simply to go to the store less often because once you’re there, you know you’re going to buy something else … and another something else… and another. I get it if you have a sick child and ran out of his medication or if you need more baby formula. However, many of our *quick* grocery store runs are for want items as opposed to need items. Can you make a slight change to tonight’s recipe so that you can go without a certain ingredient? Can you bring a different dish to the potluck than what you had originally planned? Can you make pancakes or muffins rather than instantly replacing a favorite cereal? Find ways to eliminate those in-between trips, and you’ll spend significantly less.
    2. Take Inventory. As I mentioned in a previous post, making note of what you already have in your fridge or pantry and determining how best to use them in the weeks ahead will prevent you from buying duplicates or even substitutes when at the store. Know what you have and don’t buy more (unless there’s a deal really worth stocking up on).
    3. Don’t bring the kids. Easier said than done, I know. However, kids can make you stressed… stress makes you cave to convenience… and convenience costs cash. If you are able to change habits and go to the grocery store less often, you most likely can find an hour each week or a little longer every other week to go alone. It’s glorious. And necessary.
    4. Know when your store sets out clearance items. I called my local grocery store and asked what time they set out clearance items daily. At the Dripping Springs HEB, they stock those specific shelves between 6 and 7 am. Eek! That’s not even close to my usual shopping time, but I still always check the racks because I have found so many items I would’ve bought anyway marked way, way down. If your store doesn’t have a clearance rack, maybe they mark down soon-to-expire meats or day-old bread at certain times of the day. A quick phone call or short visit with a manager is all it takes to get the inside scoop. (You could also ask when the least busy times of day or days of the week are so you don’t have to stand in the check out line forrrevverrrr.)
    5. Keep your grocery list generic and shop the sales. This brilliant idea came from a podcast featuring the Saving Sherpa on Bigger Pockets Money Episode #75, during which Justin shared how low his grocery bill can go. It is completely unrealistic for me to feed a family of 6 on $15/week, which is his personal budget, but hearing how he shopped was pretty inspiring. Instead of planning very specific meals with very specific ingredients, your list should be more generic so that you can shop based on sale prices, seasonal produce, and in-store coupons. Your list might read “Protein, Fruits, Vegetables, Lunchmeat, Fillers (i.e. rice, potatoes, bread, tortillas), Snacks, and Yogurts”. The most important aspect of this idea is to break habits and buy based on value, not based on routine or rigid meal plans.
    6. Before you grab an item from the shelf, ask if it’s something you can make from scratch at home. If frozen waffles aren’t on sale this week, can you make extra waffles on Saturday morning and freeze them for later in the week? (I know I mentioned that batch cooking and meal prep aren’t my thing, but some cooking is still required, and waffles or pancakes are easy!) You can ask this same question when shopping for granola bars/balls, cookies, rice krispie treats, muffins, frozen pizza, sweetened coffee creamer, bagged popcorn, chex mix, lunchables, veggie trays, fruit salad, jars of soup, pre-made/frozen meals, and so on. Not only is it usually cheaper to make something with scratch ingredients, but it’s a lot healthier too.
    7. Make the most of store coupons and apps. Use your local grocery store app to save money on groceries. I’m a big fan of HEB… everyone in Texas is! And with the featured HEB digital coupons, I’m an even bigger fan. HEB is already known for their in-store yellow coupons and their weekly meal deals, but the app offers additional featured coupons and even sends users freebies every once in a while. Today, I received a coupon for a 5 lb bag of mandarin oranges, which happens to be by son’s favorite fruit. That’s a $6 savings on something I would have bought anyway. If you add a cash-back app, such as Ibotta (enter referral code “wpcrvpk” pretty please), you can even double up on some coupons or on other items you bought. In fact, there have been many, many times that I’ve saved using an in-store coupon and then received additional money back from Ibotta on the same product. Last week, I purchased two packs of GoGo Squeeze Blastz flavored applesauce with an in-store coupon for 2 for $4. Then, Ibotta paid me back $2.94 for that purchase, so total money spent on the two boxes of my kids’ favorite snack was $1.06. Ibotta pays you back on specific grocery items listed in their app, and it changes weekly, but it also has “any item” options that will earn you some money back for simply redeeming a receipt or buying bananas. All you have to do is select the items you purchased, take a picture of your receipt, and cash in. I’ve earned $91.23 since I joined on Oct 22, 2019 (3 months ago).

    I truly hope these tips help you to find wins in your savings journey without having to change your lifestyle too much. A slight change in habits, an intentional change in mindset, and a tiny bit more work may save you hundreds of dollars each month.

    I do want to add that cooking for a crowd and stocking up on what you use often are excellent ways to save money too. If you use a lot of ground turkey in your cooking, buy it in 3 pound packages instead of 1 lb packages. If your kids love chicken dishes, buy whole chickens at a much cheaper price per pound. And if you are making a favorite meal, double the recipe to have leftovers available. These tips and tricks go a long way and have helped my bottom line as well.

    Happy Saving!

  • New Year, New FRUGAL You (9 Easy Ways to Save Money in 2020)

    New Year, New FRUGAL You (9 Easy Ways to Save Money in 2020)

    Happy New Year! Have you already made your resolutions? Planning to get skinny (errr… I mean “healthy”)? Hoping to read more? Watch less TV? Exercise daily? Go to church more often? Swear in front of the kids fewer times per day??

    Those are all good ones, but so far, the single resolution I’ve been hearing the most is “to save money!” Consumerism has taken over and rendered many of us hopeless and hungover in its wake. The year 2020 is the time for change, right?!

    What I’ve also been hearing is that most people aren’t sure how to save money. Where could they possibly cut back? Especially when kids are in the picture. That’s exactly where I stood several months ago when I started a deep-dive into the messes of our finances and our spending. I had previously considered myself pretty darn frugal. I only bought clothes and decor on sale. I made my kids share meals when we went out to eat. I had one fewer drink than I wanted to when out with the girls. And my husband and I took joy in repurposing or building furniture rather than buying new. So, where could I possibly cut back without leading a life of “deprivation”? I was already careful with money… so I thought.

    Regardless of the doubts I had on whether it would make a difference at all, I decided to set out on a journey of budgeting and tracking our spending. It was difficult at first, and I did not take it seriously, but after listening to a few personal finance podcasts and talking to several friends, I really started to treat it like a true mission. That’s when everything changed! Just in the process of tracking what we were spending, we started saving. A lot. We started saving so much money that I looked back and didn’t understand where it had all gone before. Our lives didn’t even look different. This propelled me and motivated me in such a way that I now want to help others on the same path to changing their lives without changing their lifestyle, to start saving more money for their families and their future, and to see the benefits of frugality.

    This list of 9 easy ways to save money in 2020 are just the first 9 things that came to mind when I thought about little changes that a family can make to achieve big wins. Please let me know if they’re helpful at all, and I’d also LOVE to hear your tips on frugal living and financial gains.

    1. Track your spending! Pay attention to where every dollar goes. Write it down, dictate it into your phone, use an app, whatever works for you. Then, ask yourself whether that money is going toward what you consider to be most valuable in your life. (This is the hardest but the most helpful step, by the way. Skip it and come back to it if it seems too daunting.)

    2. Unsubscribe to retailer emails! All those emails about upcoming sales, can’t-miss offers, and travel discounts seep into your subconscious and encourage you to spend, spend, spend because ya know, it’s a DEAL! Go a month without seeing them and determine whether you are really missing anything in your life that you HAD TO HAVE. If you are, I’m pretty sure you know how to find that retailer’s website or store location again.

    3. Take on a challenge! Engage your family (or friends) in a fun money-saving challenge, such as a “spend-nothing week” or “eat everything in the pantry week” or “free-activities month” where you only partake in family fun that’s totally free. (Check out my post on the best parks in the Dripping Springs area to get started on this one.) You could also try “no eating-out month” or “book a family vacation for less than $1000”. Make saving fun, and you might see even bigger results than you expected.

    Enjoying the great outdoors!

    4. Ask a friend! When you’re in need of something, ask a friend or offer a swap before reaching for your wallet. You can swap clothing, jewelry, kids’ puzzles/toys, books, and so on. You can swap time also: babysitting hours, carpooling/rides, and home organization hours. Doing home projects with a friend is more fun anyway. Maybe you can help clean out your friend’s fridge this week, and the two of you can tackle your shoe collection next week.

    5. Call your credit card! Find out what they’re willing to offer you as a loyal customer. Ask and you will likely receive. Do you need a lower interest rate? Do you want your annual fee waived? Are you looking for opportunities to earn more travel rewards?

    I no longer wanted to pay the annual fee on the credit card that we’ve had for 10 years and had been paying off every single month, so I called Chase, and after a 6 minute call, my annual fee was credited back to me.

    If your ccard company doesn’t have anything to offer you, there are MANY more out there who are happy to give you bonuses and lower rates.

    6. Pay attention to your TV habits! Are you watching ALL the channels? Are you regularly taking advantage of ALL the subscriptions? If not, what can you cut? Choose one and cut the cord or call the cable company and ask for a better plan.

    Kids today hardly even watch traditional TV… so what are we paying for?

    7. Take inventory! Before you shop, be sure to know what you already have. Really take note of what you have in your pantry or in the back of your fridge. Go to your closet and count how many pairs of black yoga pants you have and the # of gray t-shirts and the collection of sneakers, etc. Intentionally taking stock of what you own might keep you from buying yet another.

    After No-spend Week: a half-empty pantry!

    8. Get the app! Do you always shop at the same grocery store? Download the app, check out the coupons, and take advantage of the featured offers. Do you often stop at your kids’ fave fast food joint? Try out the app, collect the points, and snag some freebies. Do you like getting cash back for what you already buy? Check out the Ibotta app or Rakuten.

    9. Watch YouTube! I know, I know… “YouTube” is equivalent to a 4-letter word in my house due to my kids’ obsession with it, but it can truly be a useful tool when something in the house breaks and you want to save money on handyman fees. Or when you want to teach your child something new, like beginning guitar lessons. You can find a DIY video on just about anything on YouTube, so save money while simultaneously winning cool points with your kids.

    Thank you for reading and Happy Saving! I plan to blog about this journey often, and I really hope you’ll join me in the challenge to become a new FRUGAL you. I really hope we can all achieve small, and eventually big, wins together. I’m looking for a tribe who can help keep me motivated (and vice versa), who can share these wins, and who will join me for carefree vacations in my future home in the Rockies! 😉

    Free family fun in the mountains: sledding!

  • 9 Easy Ways to Save Money in 2020

    9 Easy Ways to Save Money in 2020

    Happy New Year! Have you already made your resolutions? Planning to get skinny (errr… I mean “healthy”)? Hoping to read more? Watch less TV? Exercise daily? Go to church more often? Swear in front of the kids fewer times per day??

    Those are all good ones, but so far, the single resolution I’ve been hearing the most is “to save money!” Consumerism has taken over and rendered many of us hopeless and hungover in its wake. The year 2020 is the time for change, right?!

    What I’ve also been hearing is that most people aren’t sure how to save money. Where could they possibly cut back? Especially when kids are in the picture. That’s exactly where I stood several months ago when I started a deep-dive into the messes of our finances and our spending. I had previously considered myself pretty darn frugal. I only bought clothes and decor on sale. I made my kids share meals when we went out to eat. I had one fewer drink than I wanted to when out with the girls. And my husband and I took joy in repurposing or building furniture rather than buying new. So, where could I possibly cut back without leading a life of “deprivation”? I was already careful with money… so I thought.

    Regardless of the doubts I had on whether it would make a difference at all, I decided to set out on a journey of budgeting and tracking our spending. It was difficult at first, and I did not take it seriously, but after listening to a few personal finance podcasts and talking to several friends, I really started to treat it like a true mission. That’s when everything changed! Just in the process of tracking what we were spending, we started saving. A lot. We started saving so much money that I looked back and didn’t understand where it had all gone before. Our lives didn’t even look different. This propelled me and motivated me in such a way that I now want to help others on the same path to changing their lives without changing their lifestyle, to start saving more money for their families and their future, and to see the benefits of frugality.

    This list of 9 easy ways to save money in 2020 are just the first 9 things that came to mind when I thought about little changes that a family can make to achieve big wins. Please let me know if they’re helpful at all, and I’d also LOVE to hear your tips on frugal living and financial gains.

    1. Track your spending! Pay attention to where every dollar goes. Write it down, dictate it into your phone, use an app, whatever works for you. Then, ask yourself whether that money is going toward what you consider to be most valuable in your life. (This is the hardest but the most helpful step, by the way. Skip it and come back to it if it seems too daunting.)

    2. Unsubscribe to retailer emails! All those emails about upcoming sales, can’t-miss offers, and travel discounts seep into your subconscious and encourage you to spend, spend, spend because ya know, it’s a DEAL! Go a month without seeing them and determine whether you are really missing anything in your life that you HAD TO HAVE. If you are, I’m pretty sure you know how to find that retailer’s website or store location again.

    3. Take on a challenge! Engage your family (or friends) in a fun money-saving challenge, such as a “spend-nothing week” or “eat everything in the pantry week” or “free-activities month” where you only partake in family fun that’s totally free. (Check out my post on the best parks in the Dripping Springs area to get started on this one.) You could also try “no eating-out month” or “book a family vacation for less than $1000”. Make saving fun, and you might see even bigger results than you expected.

    Enjoying the great outdoors!

    4. Ask a friend! When you’re in need of something, ask a friend or offer a swap before reaching for your wallet. You can swap clothing, jewelry, kids’ puzzles/toys, books, and so on. You can swap time also: babysitting hours, carpooling/rides, and home organization hours. Doing home projects with a friend is more fun anyway. Maybe you can help clean out your friend’s fridge this week, and the two of you can tackle your shoe collection next week.

    5. Call your credit card! Find out what they’re willing to offer you as a loyal customer. Ask and you will likely receive. Do you need a lower interest rate? Do you want your annual fee waived? Are you looking for opportunities to earn more travel rewards?

    I no longer wanted to pay the annual fee on the credit card that we’ve had for 10 years and had been paying off every single month, so I called Chase, and after a 6 minute call, my annual fee was credited back to me.

    If your ccard company doesn’t have anything to offer you, there are MANY more out there who are happy to give you bonuses and lower rates.

    6. Pay attention to your TV habits! Are you watching ALL the channels? Are you regularly taking advantage of ALL the subscriptions? If not, what can you cut? Choose one and cut the cord or call the cable company and ask for a better plan.

    Kids today hardly even watch traditional TV… so what are we paying for?

    7. Take inventory! Before you shop, be sure to know what you already have. Really take note of what you have in your pantry or in the back of your fridge. Go to your closet and count how many pairs of black yoga pants you have and the # of gray t-shirts and the collection of sneakers, etc. Intentionally taking stock of what you own might keep you from buying yet another.

    After No-spend Week: a half-empty pantry!

    8. Get the app! Do you always shop at the same grocery store? Download the app, check out the coupons, and take advantage of the featured offers. Do you often stop at your kids’ fave fast food joint? Try out the app, collect the points, and snag some freebies. Do you like getting cash back for what you already buy? Check out the Ibotta app or Rakuten.

    9. Watch YouTube! I know, I know… “YouTube” is equivalent to a 4-letter word in my house due to my kids’ obsession with it, but it can truly be a useful tool when something in the house breaks and you want to save money on handyman fees. Or when you want to teach your child something new, like beginning guitar lessons. You can find a DIY video on just about anything on YouTube, so save money while simultaneously winning cool points with your kids.

    Thank you for reading about the 9 easy ways to save money in 2020! I plan to blog about this journey often, and I really hope you’ll join me in the challenge to become a new FRUGAL you. I really hope we can all achieve small, and eventually big, wins together. I’m looking for a tribe who can help keep me motivated (and vice versa), who can share these wins, and who will join me for carefree vacations in my future home in the Rockies! 😉

    Free family fun in the mountains: sledding!