Mommies SAVING Money

piggy-bank.jpgThe last Mommies Making Money post got some attention and that’s when the idea of a double threat hit me.  Mommies Saving Money.  Making money and saving money at the same time would be fabulous, wouldn’t it?

I’m sure you don’t need me to inform you that this economy is in the toilet.  I’m not a stats person, as far as remembering and quoting them goes.  But I do enjoy looking at them.  I like watching the stats for my blogs go up every month, that’s for sure. And thank you very much! :-)  But I don’t like economical type stats.  Or real estate stats.  You look at them, see the arrows and trends pointing downward and you know we’re in a pickle.  No fun, there. 

When I was single I used coupons a lot.  I used to cut them out for Mom when I was a kid… when I got my first apartment, the highlight of my week was running out to get the paper on Sunday, grabbing a My Favorite Muffin, and sprawling out on the floor of my kitchen/living room/dining room, (It was a small apartment!) and clipping.  It reminded me of clipping for Mom, but it also got me excited about being a big girl and saving money.  Getting the apartment guaranteed that I didn’t have any to spend, so making the dollar stretch became the substitute for shopping at the mall.

Somewhere along the lines, though,I started making more money and having extra to spare.  I didn’t continue clipping coupons or shopping for deals justifying that “my time is worth more money than that”.  What a moron.  I thought I was so smart and evolved, and in some ways I was, but do you ever look back in wonder at your own naivete?

Too bad I lost my coupon excitement all those years ago.  But it’s never too late!  I am getting back to the basics and adding coupon clipping and bargain hunting to my money-making-mama strategies.

Pillsbury has $27.30 worth of savings available in September and it’s all the really good stuff… frozen cookie dough, biscuits, cinnamon rolls, pastries, pizza rolls, Progresso products, Old El Paso, cereal, yogurt bars, Yo-Plus yogurt and more!

Kellogg’s has a full rebate on Frosted Mini Wheats right now.

Kraft has Oreo ice cream free with the purchase of $15 of cake goodies.  PLUS they have those super cute Breast Cancer Awareness t-shirts there, sponsored by Jell0, Cool Whip, and Philadelphia cream cheese.

There!  That should get us started.

Do you clip coupons?  Have you always?  Share with us your dollar stretching tips!



Children and Money

I have decided that I want to teach my son about money, and how to save it. To me, the earlier the better, right? Well, at four years old, I figured the best way to do that would be with a toy.

51d39yxdjfl_sl500_aa280_.jpgI found this awesome ATM Bank that will count money that you put into it, keep track of withdraws and deposits, etc.  It comes with an ATM card and PIN so that your children can “secretly” access the money.  Catch is, I’m going to keep the PIN so that my child cannot rob his savings, until I want him to.

I haven’t gotten it yet, but when I do, I’ll come back and let you all know how it goes.  I think it will be a good thing, because it’s piggy bank 2.0.  No more having to bust the bank open, and no more having to count it!  I mean, yeah, we’ll have to count it and roll it to take it to the bank, but we’ll always have a running tab of what’s going into it.

We’re hoping to show Joe how much things cost, and how much work it takes to get the toys he wants.  He’s in that stage where he asks for everything he sees, and the things he is fortunate enough to get, he does not respect and appreciate.  His birthday and Christmas are 3 weeks apart, so he thinks that time of year is gift central, and we want to show him that Mom and Dad have to work for the things we give him.

What we’re doing is giving him a little bit of money for each thing he does around the house, and then saving it to put in this bank toy when I get it.  Then, when it gets here, we’ll put the money in together, and every time after that. When it reaches $100 we’ll let him use the card to withdraw the money, and take him shopping.  But, we’ve got a list of things he “wants” that we are keeping so we can tell him what he’s got money for.  When he goes shopping, we’re not going to add our money so he can get everything he wants… if he doesn’t have enough, oh well.  He’s going to decide between one big toy, and a few small ones himself.

Is this a good plan?  What have you done to teach your children about money?

Picture is courtesy of Channel Store and reflects the toy I am talking about.