Saturday, December 31, 2011

EATING OUT WHILE SAVING MONEY IN 2012

If you are like me and like to eat out there are ways to do it on the thrifty side.

1. Use coupons when possible. We like to go to Subway or Quiznos and can often find a coupon in the Sunday coupon savers. We carry these in the car in a envelope with other coupons. When the hungers come we can grab the coupon and go.

2. Avoid the beverage will save you some dollars for sure. I do like my soda with my meal but some times the cost is just unfair and I refuse to buy soda or just boycott that restaurant all together. There is a little cafe in Two Harbors Minnesota and we stopped there on Sunday after church. Order the soda with out looking at the price. Will not go back there again because on the menu it even said NO REFILLS. Just bad business in my opinion.

3. Check out the appetizers section. Now this can be costly but again can me a meal for me. I like Famous Daves small size not your normal nachos. To much for me to eat and I end up bringing some home for hubby to snack on next day.

4. Find something on the menu that will reheat up and still taste good. Buy that eat half of it and have left overs for lunch or next night's dinner.

5. Look for daily specials at some of our local restaurants. Famous Daves has hamburgers every Monday for $5.99 in our area. Another place as Spaghetti dinner cheaper on Sunday nights. Just check around and see what is the great deals in your area.

6. One of my favorite ideas is to go to lunch rather than dinner. Prices are normally less.

7. Some times the food is so generous that hubby and I will share or I will order something small and have a little of what he is eating.


8. Get daily deals Sites like Groupon and Restaurant.com sell restaurant gift certificates for less than face value you may be able to score a $25 coupon, but pay only $10.

Here are 8 ideas for you to maybe save some money eating out but still have the fun of dining out.

Thanks for stopping by.. hope to see you again real soon.. Lets keep saving together.. Grace

Friday, December 30, 2011

SUNDAY COUPON PREVIEW 1/1/2012

Time for Sunday Coupon Preview. There will be three coupon inserts in most newspapers. We will have a Smart Source, Proctor and Gamble and a Red Plum.
You can see all that will be in the inserts by going here.
Please remember coupons can vary depending on where you live. If I buy our local paper my coupons STINK. If I buy the paper from the twin cities than I get a good selection of coupons.

Thanks for stopping by.. lets keep saving together.. Grace

Decorating On The Frugal Side Hunting For Treasures

Good morning everyone hope that your end of year is going good, safe and full of time with family and friends.

I always love to read about decorating my small little apartment. 5 Ideas to Decorate a Small Apartment on a Dime by Emily Co. My apartment is small but not as small as some but small.
What I do have is a fantastic view of Lake Superior from the living room, our office and our bedroom.
Unbelieveable, every morning I pull up the shade and am amazed at the beauty that is before me.
I love to go to auctions, estate sales and garage sales not only to find items to resell but items to put into my home.



For $4.00 at a moving sale we added these two nautical pillows to our bed. Since we love the nautical feeling they were a perfect buy.

Hope that you all have a wonderful day.. Grace

Thursday, December 29, 2011

Every Wonder What To Do With Cheap Vodka or The Butter In The Fridge Read On Thrifty Thursday ideas

It is four in the morning and I can not sleep. Snowing lightly and I hear the plows outside. After tossing and turning for an hour decided to get up to see if I could find something of interest on the Internet.
How about nine household items with multiple uses.

This is ideas for items that we may have in the home that can be used for other uses. Other than the vodka I have everything in my home.

I like the idea of putting butter on my hard cheese that has been cut to prevent molding. I have never tried this but will have to give it a try.

The jars are great ideas, I especially like to look for pretty inexpensive bottles at yard sales or antique stores and use as a piggy bank on the window sill. One bottle holds dimes, the green one is nickles and then there is one for found marbles and one for a small American flag.

Click on the link above and then check out the ideas posted. Enjoy and hope to see you again soon. Grace

Wednesday, December 28, 2011

Year End Financial Readings Budget

With the end of the year nearing it is time for many of us to look at how our financial house is. Did we pay down debt or take on more debt. How is our savings account. Doing good with money being added each month or nearly empty if not empty.
I am spending a little time looking around the internet to gather articles I find of interest. I will share those with you.
First one is the 50 30 20 budget sounds great and how wonderful it would be to put 20 percent into savings each month. 50 percent is for needs and 30 percent for wants. Paying for our health insurance throws our budget off.

One of the best financial sites is David Ramsey for financial help. Click on the link to read about his baby steps to get out of debt.

This is just two sites that I am high lighting. You can go to msm money and spend some time looking around for other articles on our money.

Thanks for stopping by.. lets keep saving together.. Grace

Tuesday, December 27, 2011

TIDY TIP TUESDAY ~ PURGE THAT PANTRY FOR CHARITY




Tidy Tip Tuesday this week is purge your pantry for charity. There are so many people that are in need of some extra groceries. Bag up those extra items you will not eat and give to your local food shelf or church. Be sure to check for dates and throw away old items that are past date.

Up date on my brother is he is awake and doing much better. He has been in the hospital for over two weeks and my thoughts are on him more than other things.  Christmas was not as happy as it could of been because he would of been with us.  But he came out of his sedated state and opened his eyes for me on Christmas eve. How about is that for a Christmas gift.

I knew that my brother  had package goods in his home he did not want. He had mentioned that  he wanted to give them to hubby and me. We went to his apartment and bagged up these items and will bring to church on Sunday. From there they will go to the food shelves in our area. While doing this we found three boxes of food that had been sitting in the cabinet way to long. This went into the garbage to make sure no one would become ill.

I hope that you will take a few minutes and check out your kitchen cabinets for food you know you will probably not use and give to the food shelf.  After this how about checking the bathroom cabinets for extra personal items some one could use. Everyone needs shampoo, tooth brushes, tooth paste and body lotions.

Thanks for stopping by to read Tidy Tip Tuesdays posting. Lets keep saving together and sharing our bounty with those in need.. Grace

eBay Offering FREE listings for 3 days Dec 27 to the 29 th

List FREE for  3 days Seller Special: Dec 27-29 on eBay. The free listings are for auctions only and Buy It Now is FREE.

So time for me to concentrate on selling on eBay over the next three days.

Do you sell on eBay already if not give it a try. Easy to do and we can all use extra cash and help clearing out the clutter.

Thanks for stopping by..lets keep saving together. Grace

LETS INCREASE OUR INCOME BY A $1000 A MONTH THAT IS A GRAND A MONTH

If you read my blog you already know hubby and I are semi retired. The semi part is we are always looking for ways to make money on the side to suppliment our income. After all social security and pension plans do not go as far as you would hope. Lesson learned we did not save enough while young so I hope all of you save more and spend less on your journey to retirement.

This morning while reading some of my favorite blogs I saw that Mom's Plans had written a post on making an extra $1,000 a month. After reading further I see that she along with two other bloggers are starting a new site on making a GRAND a month. I look forward to postings to see what others are up to.

Hubby and earn extra money every month buying and selling items on eBay, Amazon and in our booths at the Antique stores. Of course there is the costs to do business this way. Cost of goods , fees at the Internet sites and rental fees at the antique stores. The real test is when hubby does end of the year books so we can file our taxes on this income.

And of course I make a little money with my blogs. Little is the key word but I only do this as a hobby and not full time as others.

My goal is to increase our income by $1,000 a month after all the fees and costs this next year. Time will tell as the months go buy. I hope to share some of this information with you in the months to come.

Antique store #2 is doing better than Antique store #1, but in store #2 I have items out on some shelfs and floor space plus a locked case. Antique store #1 is a locked case only. I do believe this is a important key to success.

We have reopened our eBay store this month. This allows us to put items on eBay for 30 days at only 20 cents a month rather than the 50 cents it was costing us. We no longer get 50 free auctions a month but in the end if we list more it will pay for itself in the difference of fees. The store also allows us extra pictures at no extra costs.

I am hoping all the extra work these last months that our income will continue to increase. I hope that you will continue to vistit my site and watch for postings on our journey buying and selling. My sons say we are pickers and in truth we are.

Thanks for stopping by and lets keep saving together.. Grace

Monday, December 26, 2011

TRY ME FREE ARM AND HAMMER CAT LITTER Refund Rebate

I love to be able to try something FREE.  Here is a great rebate offer to try Arm and Hammer Ultra Last Cat Litter Free 20 pounds size only.
Rebate expires 3/30/12
Go here to print a $1.00 off coupon first. You are able to print there coupons twice a year so grab it now.

Thanks for stopping by..lets keep saving together... Grace

Friday, December 23, 2011

NEW PRINTABLE COFFEE MATE COUPON 75 CENTS OFF 1

There’s a new $0.75/1 Coffee-mate Creamer coupon on Facebook.

I was able to print twice by going there twice. Grab your coupon while it still available.
Thanks for stopping by.. lets keep saving together Grace

Wednesday, December 21, 2011

2012 Goal Planning Working At It Day By Day

Hard to believe that 2011 is almost gone. Just days away till we start a new year. Time to work at planning what I would like to accomplish this next year.

1. Cutting down the cost of eating out expense. If we do eat out try to find a coupon to reduce the price or bring home some of it to eat another time
2. Pay down debt  of $2610 this does not include our car that has a balance of $7500
3. Work at decluttering our home by selling items I buy items to resell faster. Boy things pile up fast. Cookbooks, books, barbie clothes and dolls and so much more.
4. Build up our eBay and Amazon sales to about $1,000 a month net
5. Read the New Testament on a daily basis. I have a 5 minute a day New Testament to help me accomplish this
6. Try one new meal a week and blog on it
7. Eat better and find time to walk daily with the goal to eventually lose about 40 pounds
8. Work on my family research on a weekly basis trying to break down some of the brick walls
9. Read at least two books a month one being a non fiction book.
10. Spend more time with family and friends and less time watching TV
11. Be more organized around the home with chores, coupons organizing
This is a good start on what I would like to accomplish this next year. Sounds like a lot but just a little every day will help on some of these goals.
Do you have any goals you would like to accomplish next year?
Thanks for stopping by.. hope to see you soon and lets keep saving together.. Grace

NO COUPON INSERTS THIS SUNDAY 12/25/11

Again, because of the holiday weekend, there will be NO coupon inserts in this Sunday’s paper. No need to buy extra newspapers this weekend.

thanks for stopping by.. lets keep saving together.. Grace

Coke Rewards 12 Pack for 30 Points Supplies Gone. Greed Abounds Among Us

Good morning, I had a posting all set to publish about coke rewards giving 12 packs of coke for only 30 points. All ready to go, went there to get the web site for you and grab my cokes 12 pack and supplies are gone.
Saw on one site some one bragging that she got 5 for mom. Well if they would limit it to 2 per account there would be more to go around.

Hey coke how about limiting your supplies.

Thanks for stopping by to hear me rant. Grace

Monday, December 19, 2011

Minimalist Monday ~ Cut The Clutter ~ Discard What Does Not Work VCR Is OUT Of Here

Minamalist Monday and time to think about cutting some of the clutter around my home. We buy and sell on eBay, Amazon and in the antique stores so it is easy for us to accumulate STUFF.
One of my goals for this next year is to organize and declutter stuff. It is always so easy to buy and so hard to find time to get it up for sale on the Internet.
No reason to wait till the end of the year to start this project. We will start right now. Sadly my VCR no longer works. I have alot of Videos and no recorder any more. This next weeks project is to
1. Discard the VCR
2. List the names of my favorite videos and part with all of them. I need to find if there is a place to recycle my video player and then find the best method to sell or give away my videos.
They will either go to a local auction or the thrift store. I am sure there is some one out there with a video player that still works.
I have 2 DVD players so do not need to buy a player that plays both DVD's and vidios. Out goes the VCR this week.

Thanks for stopping by.. lets keep saving together.. Grace

Sunday, December 18, 2011

LETS MAKE SOME SOUP ~ CHEESY LASAGNA SOUP ~ Whats For Dinner Saving Money Eating At Home

The weather is cooling off and this is a perfect time to make some soup. Some time ago I made Cheesy Lasagna Soup and it was a winner. Click on the link for the recipe.
I will just have to make us a pot tomorrow. All we have to add is some garlic bread and dinner is not only fantastic but warms the tummy.

Thanks for stopping by.. lets keep saving together.. Grace

Friday, December 16, 2011

NO COUPON Inserts This Sunday 12/18/11

If you buy the Sunday paper for the coupons, save your money this week because there are no scheduled inserts.

Thanks for stopping by.. lets keep saving together  Grace

HOT PRINTABLE COUPONS PACE SALSA and NABISCO Crackers

 Hurry on over to  and use the zip code 18045 to print a 2 HOT new coupons

$0.50/2 any Pace products
Buy 2 Nabisco Crackers 9-16 oz, get 1 FREE (up to $2.50)

Great coupons for upcoming holiday parties

Thanks for stopping by.. lets keep saving together Grace

Thrifty Cheapskate eBay Friday Followup 12/16/11

What a week it has been. Hard week in my life in my personal life. Sunday evening I found my brother face down on his apartment floor unresponsive. I had tried to call him for several hours to arrange lunch date next day. Trip to hospital in ambulance and is in the hospital in critical / guarded condition. He is now breathing on his own but in a coma. We have hope that he will come through this. They are leaning towards the belief that he had a seizure.
So my thoughts and time has been spent with him. Pray for my little brother Dave.
I have not really been busy listing much this week and have not been out hunting at all which is understandable. No auctions or thrift stores for us.
We have had sales this week and some real good sales from items we had listed all ready.
Hubby sold the Jerusalem Bible 1966 printing for $29.99 on eBay fixed price, there was a small Free Mason book collection for $80.00 plus other books and barbie items. The week totaled out at $218.00.
Amazon sales $34.00 for the week.

So with a update on on sales this week and asking for your prayers for my brother I will leave you for now.
Have a wonderful day and thanks for stopping by.. Grace

Thursday, December 15, 2011

CASH FOR TRASH FOR THE LOVE OF UGLY CHRISTMAS SWEATERS Selling on eBay

I have been hearing about the great success of those who find and sell UGLY Sweaters. As I search for them I never seem to come across them. All of a sudden last week I did find 4 that I felt kind of fit.
Of course Christmas is almost here and it is a little late to get on the band wagon. I did buy them and listed them on eBay for 5 days. They did not sell but that is fine. I will just keep them for now and continue to hunt for more UGLY Christmas sweaters and start to sell them next September.
The ones I found are not as ugly as some I see on eBay but all in all they can be quite humorous.
These are the sweaters I found, all were either $2.00 or $3.00 each so a thrifty find.

Do you wear ugly sweaters to office parties or any Christmas parties? I have a sweat shirt that my grand daughters gave me over 12 to 14 years ago. My son had their names with hand prints put on it. The baby is foot prints. I love and treasure it and wear it every Christmas. Ugly in its own way but also a special treasure from my kids.



Thanks for stopping by.. lets keep saving together..Grace

Wednesday, December 14, 2011

203 HOMELESS KIDS in Duluth Minnesota School Doing What We Can To Help The Needs Of Others


Today's newspaper the Duluth News Tribune had an article on the number of homeless children in our Duluth schools. They range from preschool to grade 12. There are 203 children HOMELESS.
It is one thing to not have enough money to do everything we want, but imagine if you are a child and you are homeless.
Not only do you not have clothes like all the other kids to wear to school, but you do not have your own bed to sleep in. Do you have a stable family that is down on their luck or are you the teen that is living on the street for some reason.
I find it sad and heart breaking. I find it hard to stomach all the rush and hype that is out there. The big rush to do Christmas shopping. The news articles of the big sales, big shopping days on Thanksgiving. People standing in line on Thanksgiving rather than spending time at home with family and being just thankful. The standing in line to get that one big ticket item. Pushing and shoving. So much greed by the shoppers and so much greed by the big businesses.
Our city has a place that teenagers can go that are homeless. It is run by Lutheran Services and helps these teens to find a place to live. In the mean time they have a place to stay, a safe place with people who care. Today I emptied my bathroom of all the extra shampoos, razors, body lotions and tooth paste and brought to the church to give to these teens. It was just two small packages from two retired people but it is a start.
It is time for me to try and find more deals and dedicate myself to doing what I can for these homeless children.
I can just imagine how these kids must feel when the other children talk about all the gifts they will get. About their planned family trips to go sking or to Disney land.
That is all well if we can afford it but just maybe we can cut back just a little on our gifts and plans and donate money, food and gifts to the needy and the homeless.
Give to the Salvation Army buckets, watch for good deals on food and donate the extras to the food shelf, donate toys for children or just drop off some nice clean clothes to a homeless shelter.
Lets find out we can do to help others in our neighborhood and our city. But for the Grace of God I could be there.
Thanks for stopping by to read and please do all you can for those in need. Grace

Saturday, December 10, 2011

Printable Coupon $1 off any Three Tombstone Large Size Pizzas

There is a printable coupon for $1.00 off any 3 Tombstone large pizzas . Expires 30 days from print date.

Thanks for stopping by.. lets keep saving together.. Grace

Wednesday, December 7, 2011

COKE REWARDS TODAY 12/7/11 HURRY AND GRAB 12 PACK FOR 30 POINTS ONLY

Do you point in your Coke rewards into the coke site?  If so hurry today before it ends and grab a coupon for 12 pack of coke for only 30 points. There is a limit of 2 coupons

Great deal for very little points.

Thanks for stopping by.. lets keep saving together Grace

Monday, December 5, 2011

Printable HALLMARK Coupon $5.00 off $10.00 expires 12/19/11

There is a great printable Hallmark Coupon available until December 19th. Go to this link and you will find it on the right hand side of the page.

Thanks for stopping by .. lets keep saving together... Grace

Sunday, December 4, 2011

Monday Menu Plan 12/5/11

Monday Menu Plan helps me plan my week and keeps costs down by using what I have in the house or what may be on sale at the supermarket.

With going to the auction houses two nights a week we eat lighter with sandwiches at the auction or when we get home. Otherwise it will be easy meals the rest of the week.

Monday auction night
Tuesday Spaghetti with meatballs and bread and butter
Wednesday Grilled cheese sandwiches and tomato soup
Thursday auction night again'
Friday with the weather getting colder and colder I am leaning towards a big pot of our home made chili with crackers for me and peanut butter sandwiches for hubby
Saturday up in the air with what is on the menu and Sunday left over chili

Thanks for stopping by.. lets keep saving together.. Grace

inexpensive easy week for us and with Christmas getting closer it probably will stay the same through the holidays.

Saturday, December 3, 2011

Thrifty Cheapskate eBay Friday Followup 12/2/11

Hope everyone is doing great. This is a little late. Hubby's son and family in town. Grandson Carter is playing in a Pee Wee Hockey tournament. Game last night they won 9 to 0
Today's game should be alot harder. Will give you an update when I return.
We had some great sales this last week. One was this group of doll clothes that I bought awhile back at an auction for $7.50. I sold several outfits as separates and did great. Decided to lump them together to make my life easier. Last night they sold for $67.99. Best of all we have already been paid for them
Will edit this with my weeks total when I return from todays Hockey game.
Till then go Apple Valley... Go Carter
Well game is over, sadly they lost to Hermantown. They play again tomorrow and winner gets third place. Fun time with family is what is important.
Totaled up this last weeks eBay sales and we sold $375.00 gross. One item $40.00 has not been paid for so may go into default. Still have hope they will come through. Will put in a nonpayment tonight.
Hope that your day went well. thanks for stopping by..
thanks for stopping by.. Grace

Friday, December 2, 2011

Coupon Insert Preview For 12/4/11

There is scheduled to be 1 Smart Source  and 1 Red Plum Insert in this weekend’s paper.
To take a look to what will be in the inserts you can go here.

Thanks for stopping by.. lets keep saving together.. Grace