More on Couponing

I've received lots of questions about my Frugal Finds post, so I thought I would add a little more about my couponing strategies and what does and does not work for me.

First of all, I found myself wasting lots of time hunting through my stash of coupons, so after reading a guest post on moneysavingmom.com about the use of a coupon binder, I decided to make one. Since I couldn't justify spending $27 on something designed to SAVE money ($27 was the amount that the blogger spent on her binder), I used Target gift cards and Extra Care Bucks at CVS to get my supplies without spending any money out of pocket.

Above is my binder (which is still greatly a work in progress). It's even purple on the front (not shown). I like all the nifty little pockets on the interior - scissors, pens, cell phone, receipts, etc. I'm still working on organizing all of my coupons into categories, but I'm finding that putting all items of one type into a page, such as baby, bread, breakfast, etc., is working the best for me. Although I have single-sleeve pages for my store names, the rest of the pages are baseball card holders. If I have several of the same coupon, I'll put them all together in one slot and use a magic-erase marker to write "x2" on the slot. If a coupon is nearing its expiration date, I'll note it in magic marker.

Yes, it's taken LOTS of time to organize this, and it still needs improvement, but it's also saving my sanity while shopping with three little ones in tow. I currently take the whole binder into the store with me, but once I'm more comfortable with couponing, I plan on simply moving the coupons for that week into the single sleeve of whichever store I am visiting and only take that portion in with me.

Oh, and an update on my coupon-collecting habits: I no longer clip EVERY coupon I come across. Gasp! Well, since we don't have a dog, there's no need to clip any coupons for dog paraphenalia. I also don't use hair color (though I may be persuaded once I start showing hints of grey), makeup (my husband hates it), or protein powder (you'd be amazed at some of the coupons I've found). If I know that I won't buy the item for any reason - free or otherwise - I just toss the coupon.

I do find it hard to resist a good deal on an item that I would dearly love to have but don't usually purchase. I'm getting better at resisting, but if I find I can't leave the item at the store, I may try clipping coupons for only items I routinely buy.

I also sign up for as many freebies as I can. I do it for two reasons: the freebies are often for healthy and/or organic items or for items that I commonly use, and they nearly always come with a super-priced coupon for more of the item. It seems like a win-win situation to me! Plus, it's fun to get something other than bills in the mail, wouldn't you agree? (Just a note: although signing up for freebies requires your phone number, I have never received a telemarketer call from any legitimate offer.) If you do choose to apply for freebies, I highly recommend setting up a junk email account for such purposes. That way, in the event that you get spammed, it won't clog up your usual inbox.

I'm also going to look into Swagbucks at the recommendation of a friend (thanks, Elissa!). If I understand it correctly, you can earn "free" money to such places as Amazon.com. Sounds good to me, but I'll write more on that when I learn more.

Happy saving! May you all have a restful Lord's Day.

Isn't it Obvious?

Recently, I've come across the John 21 passage where, while out fishing, the disciples encounter the Lord after His resurrection. They were out laboring all night without any catch for their efforts. The Lord directed them to cast the net over the other side of the boat. They did so, even though at the time they had not yet realized it was Jesus Who was speaking to them. The incredible yield was 153 fish. In verse 12, we learn that they did not ask Jesus Who He was, for "they knew it was the Lord."

Sometimes, things occur in life that are so inexplicable in human or scientific terms that we know instantly that only the Lord could have performed them. There is no doubt that He is the One orchestrating these events, and they leave is in greater awe of His majesty than ever before.

For me, the days and weeks following Jon's surgery come to mind. I thought I knew exactly how the Lord would choose to meet our needs while Jon took time off of work to recuperate. He had accrued a week's worth of paid vacation (so we thought), and the previous month had had an extra pay day. While the extra pay check from the earlier month was an enormous blessing, the paid vacation fell through. Instead, the Lord graciously met our needs above and beyond what we could have imagined. My mom came to stay with us while Jon was in the hospital, and she brought with her ingredients for over a week's worth of meals. Other family and friends gave us gift cards, brought meals, provided childcare, and helped out financially. I was amazed and humbled at the ways the Lord used so many people to bless and comfort us!

I also know that there are times when it should be obvious that the Lord is behind something, but I fail to recognize His hand. Occasionally, I will realize it later, but I know that in some situations, I've completely neglected to thank Him for His provision. For these instances, I can only ask forgiveness and pray that I will continually become more sensitive to seeing the obvious.

Frugal Finds for Frugal Finances

Several people asked me how I save money when purchasing groceries and household items. While there are many, many blogs and websites out there that offer tons of saving strategies and frugal ideas, I thought I would share what works for me. My situation is a bit different than most of the online forums, and I know that a lot of you are in my boat. What sets lots of us apart from the rest of the frugal world? Location, location, location. There is simply no getting around it: the Bay Area, LA, New York, DC, etc. are some of the most expensive places in the US, and grocery prices reflect that. Below are some of the strategies that have helped me to consistently slash my grocery bill in half or more.

1. Find an online blog or forum that lists out weekly deals and coupon scenarios for stores in your area. I like www.moneysavingmom.com (Thanks, Stephanie!). Caution must be used with these, however; I often discover that a Target store in the Midwest is having a deal that mine doesn't offer. So, just because the online info says there is a deal to be had, shop with an open mind and realize your deals may not be quite as good as others are getting.

2. Once you find your preferred blog (and only choose one! Otherwise, your monetary savings will be spent in time wasted on the internet), limit yourself to just a couple of stores. If you buy chicken on sale and Nob Hill and Hamburger on sale at Safeway, you'll spend your savings on gas to get from store to store. Not only that, but I've started noticing that if chicken is on sale at Nob Hill one week, it will be on sale at Safeway the next. This brings me to my 3rd strategy:

3. Stock up! If an item is on sale that is either non-perishable or can be frozen for later use, buy lots! Then you won't have to pay full price if you run out when there is not a convenient sale to be found.

4. Purchase a Sunday paper for the coupon inserts. There are usually 3: SmartSource, RedPlum, and P&G. If you buy a paper from a stand each Sunday instead of having it delivered to your door, you can shave a few cents off of the cost. Once you have your coupon inserts, clip out ALL coupons, even for things you don't normally purchase. Why? Two reasons. One, you may find a deal where you can get an additional item for free when purchasing the item you don't usually use (as long as you are truly saving money by doing this!), and two, you can either give away the item you don't use or you can use it as a gift. Coffee comes to mind in this situation; I hate it, but my extended family love it. So if I can get it for free or close to free, I'll use it for a Christmas gift.

5. The online forums will often give you links to printable coupons. If you have a printer, these are great ways to save money. Try to print as many coupons on one sheet of paper as possible (to save on paper costs), and only print coupons for items you buy since it does cost a few cents per print.

6. If your stores of choice have coupon cards, such as Safeway, link your card up to online card coupons. Amazingly, if you upload a manufacturer's coupon to your card and then print out an identical manufacturer's coupon, you can often get the benefit of both on a single item. Check out www.safeway.com for more information and to find the coupon upload links.

7. Skip Walgreens. Just forget it. No matter how good the sale may be, I've found Walgreens to be nothing but a waste of time. You can only use one coupon per item (thus you cannot combine manufacturer's coupons with store coupons); items are usually over-priced; some RRs are item-specific (such as buy Sally Hansen nail polish and get $3 RRs for another Sally Hansen purchase instead of $3 off of any type of purchase) but are not listed as such in the flyers; you cannot use a coupon that is for more than the cost of the item (I tried to buy a candle for $2.50 and wanted to use a "Save $3 on a candle" coupon but the cashier would not allow it); and the service (at least in my area) is more despicable than Wal-Mart!! But, perhaps, this is only true of my area's Walgreens.

8. Become familiar with all of your coupons. I've found many deals that are not listed on the online forums just because I know what coupons I have and then I spot a store sale for a coupon item.

9. Remember to take tax into consideration. I pay 9.25% state sales tax, and most of the time you have to pay for tax on the original item price, no matter how inexpensively you snag it. I've gotten "free"candles but still have to pay the tax, and since candles are not something I normally buy, paying the tax on them is an increase to my usual spending. I hope that makes sense...

These are my grocery-purchasing strategies in a nut shell. As I mentioned before, there are TONS of web sites dedicated to this stuff that spell it out much more eloquently than I did! A few of my strategies are a little more in tune with higher-cost-of-living areas, though, so I hope to inspire those of you who, like me, live in one of the most upscale areas of our great nation. It's still possible to achieve great savings, even if we cannot get a table-full of groceries for under $6 like some people can.

All of that said, here are a few other tips I've found to be helpful when trying to cut spending:

1. Don't buy plastic food storage containers. Do you buy yogurt or sour cream? Save the containers once you've eaten the product. Do this long enough, and you'll collect a whole cupboard full of stackable, plastic, disposable, convenient containers! Just a tip, though: take a sharpie and put big "X"s on the empty ones, so your spouse will know that a container does not necessarily contain what is advertised on the outside!

2. Don't buy cleaning products unless you can get them for free by combining coupons and sales. Just use vinegar, hydrogen peroxide, and baking soda to clean. You'll find lots of cleaning recipes online that use just these ingredients, along with a touch of Dawn soap, and the results are a better cleaning agent that's safer for kids and pets than the usual name brand stuff.

3. Remember that newspaper you bought for the coupons? Use the rest of it throughout the week to clean windows, mirrors, etc. instead of buying paper towels.

4. Make your own laundry detergent. Online, you'll find recipes for both liquid and dry detergents. If you have a washer that's over 30 years old like I do, only go for the liquid stuff. My washer just can't clean well enough anymore to use the powdered.

5. Check out "The Tightwad Gazette" from your local library for lots of frugal ideas (thanks, Julie!).

6. Bake your own bread. All of it. Biscuits, loaves, rolls, etc. Some of you even make your own tortillas, something I've not yet tried. If you despise the thought of kneading all of that dough, figure out how much it would cost to make it from scratch and subtract that amount from the cost of purchasing it pre-made from the store. Then look up the cost of purchasing a KitchenAid stand mixer with a dough hook and see how many loaves you would have to make from scratch in order to save enough to afford the mixer. If you are diligent, you can actually pay for a mixer and get the benefit of both the mixer and fresh, homemade bread! (With the mixer, it takes me 5 minutes to make bread. Not too bad!)

I know that many of you are already doing these things and more to help stretch your dollars and to be the best stewards of your God-given resources! Feel free to add on to this list - I am always looking for more ways to save!

For Those Who Have Been Asking and Praying

Many of you have asked how Jon is doing, so I thought I would post another update. He is doing incredibly well, thanks to everyone praying! While he is still susceptible to headaches, the chronic headaches have completely disappeared. As his sinuses become increasingly clear, his voice is changing. That takes some getting used to, to say the least! Coworkers have called and have not recognized him over the phone, the change is so drastic. I've known him for 10 years, but he's had this condition so long that apparently I'd never gotten to hear how he sounded without being congested.

Another change for the better has been the lack of symptoms. Before his surgery, he would have severe sinus pressure whenever there was a change in the weather. This usually brought on a heightened problem with the CSF leak, as well, making him very uncomfortable. Despite the rain and wind these past two days, however, he's suffered none of his regular symptoms and has felt very well! He will have another check up on Wednesday just to make sure everything is healing the way that it should, but we are confident that the results of that appointment will be good.

On the job front, Jon was able to complete the art test without too much trouble. The test was very reasonable and manageable, and Jon turned in the completed work Sunday night so that it was waiting for them Monday morning. We've not heard anything back yet, so he's a little nervous as he anticipates a reply. We both feel that this would be an ideal position for him and for our family, but we also realize that the Lord can see the future whereas we cannot. We are praying that we will hear something back by tomorrow afternoon, even if it is only confirmation that they did indeed receive the email containing his work. I find it difficult to remain calm in these situations; I am like the toddler who has no concept of time and who keeps demanding, "Are we there yet?"

Thank you for your continued prayers, both for Jon's final stages of healing and for the job situation. One "setback," you might call it, has been the fact that after taking a week and a half off of work, Jon is really struggling to get back into the night shift. He's been going on so little sleep for so long that it's nearly impossible for him to readjust after being able to sleep as much as he wanted to during his recovery. This is yet another compelling reason to hope for a different position. Again, though, the Lord knows our every need and desire and will open up the doors to the perfect job in His perfect timing. We must be content to rest in the fact that He knows our needs much more clearly than we do!

Post-op Appointment

Jon had his first post-op appointment today. The doctor was pleased with his progress, which was good to know. She gave him a different medication to help alleviate the cranial pressure he's been dealing with. Each day is a little better, but he still struggles with headaches. Thankfully yesterday and today the headaches have been less severe.

The doctor also cleared out his nasal passages today, so he can finally breathe through his nose! It was so fun to watch him enjoy lunch. He said he could actually taste for the first time in years. Already he's noticed a huge difference in his health. He no longer has daily allergy-like symptoms that he's constantly fighting. This is exactly what we were hoping this surgery would accomplish, so we are so thankful that it is working!

I cannot say how much I've enjoyed this past week. While I could never wish this on anyone, since Jon had to go through it, I've found so much to be thankful for. Having him home for the past 8 days is certainly the best part. We had such a nice, relaxing family time. We didn't go anywhere or do anything fancy - Jon wasn't up for that yet - but having him home where we could visit with him and the kids could do activities with him was wonderful. I am so glad for this little break in our schedule!

I've also been amazed at how the Lord has met each of our needs - often before we were even aware of the need! It just goes to show, once again, that His timing is, indeed, perfect.

Here are a few things I've learned from this experience:

* I could never be a nurse. Watching someone go through that much pain is just not something I could handle on a daily basis. (Not to mention my aversion to blood, needles, etc...)

* I don't think I'd realized until last week just how much I rely on Jon or how much he does for me and the kids.

* Kaiser really is a good medical facility, all billing headaches aside.

* This was much harder on the kids and me than I thought it would be, but it has also been much more rewarding. I had no greater joy than to help Jon as much as I possibly could.

* When the egg carton falls unnoticed against the refrigerator's thermostat and turns it off, the milk will smell funny the following morning.

*It's easy to get caught up in only what is going on with my own family, but life continues on for everyone and there are still many opportunities to pray for and to serve others even in the midst of a difficult situation.

I Think We're Getting There!

Since coming home from the hospital, Jon had been complaining of fever-like symptoms: achy joints and muscles, headache, etc. We kept taking his temperature, but if anything it was on the low side. This concerned me a little because I thought he was due to resume work on Sunday night, and he still couldn't be up for more than a few minutes at a time. Last night he woke me up (accidentally) around 3:30 and all of the achiness had left, including his headache! He looked better than I'd seen him look thus far, despite the early hour.

When we actually got up for the day, he had a minor headache that's been an on-again, off-again thing, but there is definite improvement. He even watched the boys while I turned in a job application for him (I'll let you know the results of that in a few weeks). He also told me this morning that his boss gave him the whole work week off, so he's not due to start work again until next Thursday night. His week of paid vacation will cover most of his missed work nights, which is a huge praise!

The boys spent the morning in our room visiting with him, which they loved. You should see the pile of toys they brought in for him to play with in case he got bored - it is beyond cute! My biggest concern now is that he doesn't try to do too much too quickly, but so far he's been taking it very easy.

I'm still exhausted and cannot sleep much. With everything going on lately, I've not been very diligent to remember my iron, and my insomnia gets pretty unbearable as a result. Thankfully I've remembered the past two days now. Lauren has been less fussy today, but it's so warm in the living room that she's having a hard time sleeping. Even though she's not fussing, her wiggling and cooing (although adorable) doesn't help me get the rest I need. Now that Jon's feeling better, I shouldn't have to sleep on the couch next to her anymore.

We cannot say how much we appreciate all the prayers; it is so encouraging to know that we are continually being lifted up. !

Next Update

Jon's been home for a whole day now, and I think he slept about 20 of those first 24 hours. For someone who averages 4 to 6 hours of sleep a day, this is quite an accomplishment! He still cannot remain upright for long periods of time because he develops headaches whenever he sits up. We're told that this is very normal for a CSF patient, but if his headaches become severe or cannot be alleviated through lying down and medication, he'll have to return to the hospital and have the Lumbar Drain reinserted. Thankfully, his headaches have been mild and disappear as soon as he lies down again. Please pray that this continues to be the case and that the headaches disappear completely by the time he is supposed to return to work on Sunday night.

Today was a bit wearisome for the kids and me. It got pretty warm, too, which never helps. All things considered, the boys have behaved fairly well. Depending on how Jon is feeling, we may get to go for a walk tomorrow, which will help them expend some of their pent-up energy. Right now, we're all cooped up in a hot, sticky house without much outlet for busy toddlers.

Please continue to pray for restful sleep for all of us. Right now, I'm sleeping out on the couch so I don't further aggravate Jon's many bruises and needle pricks. The pull-out bed is quite comfortable, but since Lauren's crib is next to the couch, she wakes me up several times a night. I'm definitely looking forward to being back in my own bed again!

Jon said today that he finally feels like he's beginning to heal, and he also started smiling a little bit. That's a huge step since he's been so uncomfortable until now. The boys have gotten to visit with him several times, and they're very relieved that Daddy is getting back to himself again. They don't understand everything that's going on, so they've been very concerned for him.

Hopefully the next few days will continue to bring improvement for all of us. I am so glad to be this far past the surgery!