Tuesday, November 19, 2013

We Are Stewards, Not Owners


God never intended for us to struggle financially our entire lives. There are seasons of struggle, however, that we all go through. Whether we’re just young and naive, or we’re a bit older and perhaps undisciplined with our finances, it’s not uncommon for people to find themselves in financial distress.
EVERYTHING that we have is a gift from God. That’s the very first and overriding principle we have to recognize. We have a tendency to act like we “earned” things, but that’s not the truth. Without the time, talents and providence of God, we wouldn't have anything! Everything belongs to God. He simply allows us the great privilege of caring for it. One of the best ways we can do that is to be thankful and not be wasteful.
Jesus taught in Matthew 25 that God will put us through “tests” to see if we can handle greater blessings.
“His master replied, ‘Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness.’" (Matthew 25:21)
God isn’t going to release new blessings into our lives until we first learn to manage the ones He’s already provided us.
Aswe learn to be better stewards with what we have, God will, little by little, give us more. When we start using the resources we have to bless others and bring glory and honor to Him, he’ll bless you with more so that His glory can multiply!
Here are 4 principles that we have followed.  I promise that you will see your financial borders begin to expand:
1.     Work for it.
It’s not likely that God is going to drop a huge financial windfall in your lap while you’re sitting on the couch watching TV. Neither are you going to become financially successful if you live carelessly and pray for God to “clean up” your financial mistakes. Being financially successful takes hard work!
A lot of people want today what it took their parents years to get. They’re just not patient or diligent enough to put in the same kind of effort over time that their parents did. They end up making poor investments, trying to get rich quick, or go into debt to get things they can’t afford.
God wants us to live with excellence and integrity. Meaning that we give a good day’s work for a good day’s pay, and that we try as best we can to live within our means.
Work is good for us and it's a gift from God to be able to have jobs to allow us to afford the things we need for our families.  It also gives us a sense of purpose and accomplishment, and is a form of service to others. If we’re obedient and work with integrity, God will bless our work. (Deuteronomy 28:8)
2.     Give Generously
The BEST way to be happy in this life is to be a blessing towards other people. Serving others brings true happiness. (Mosiah 2:17)
That’s true of how we spend our time and certainly true of how we spend our money. 
It’s definitely something I've experienced over and over again: the more you give away, the more you’ll be blessed. When God asks us to give our money away in the form of tithing or other contributions, He’s not trying to take something away from us. He is just simply giving us the opportunity to be a part of what He’s doing to meet the needs of others. 
Whatever we give up now will come back to us one-hundred-fold in this lifetime (Mark 10:29-30). I often ask God to help me to live more generously and to put people in my path that I can help..and He does just that. Every single time
3.     Save
It’s extremely important that we are prepared for unexpected expenses, like flat tires, house repairs or medical bills. When we have savings set aside for these emergencies, it will help us avoid going into debt and getting stressed out.
About a year ago, Josh and I started a year supply and little by little, we have been adding to our stock pile. We now have a year or more worth of food in our pantry just in case we need it. My sister-in-law had a huge stock pile and her husband unexpectedly got laid off. With her, her husband and five kiddos, what do you think they lived off of for 3 months? Their year supply of food.
I have also trained myself to coupon and it's amazing the amount you save when you put a little time and effort into it. I follow a few couponing websites that post what is on sale or for FREE, watch for whats on sale and then go and buy it. 
I have prayed time and time again for God to help us be more wise and responsible with our money and to help us find ways to save. It's so amazing the answers and the direction that He has given me! He is so good!
God’s promises he will send blessings on your storehouse (Deuteronomy 28:8). God wants us to trust and expect Him to fulfill His promises our lives.
4.     Spend
Here’s the awesome part! Yes, we need to spend some of our money.  
Here are a few simple tips for spending money:
·         Know what you have. Make sure that you’re balancing your account and have a budget prepared so that you know what is coming in and what’s going out.
·         Don’t buy what you don’t needThe quickest way to debt is convincing ourselves that “wants” are “needs.” If you obviously don’t need something and it’s not in your budget to afford it, then be bold enough not to buy it. I know this one is hard, but you can do it!
·         Don’t buy with what you don’t have. Credit cards aren't a bad thing, but if you can’t control what you spend with them, then using them is a bad idea. A general rule for using credit cards is to only spend what you can pay off at the end of the month. The interest on consumer debt can quickly get out of control.
·         Pay debts off immediately. Living debt-free gives us the flexibility to live more generously and more abundantly. I have always been taught to start with the smallest debt and work your way to the biggest ones.
Money doesn't have to be a source of stress in our lives. If we start managing our financial resources in godly ways, they can be sources of tremendous blessings, both for us and for others.

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Monday, September 30, 2013

Fry's Mini Haul: 80% Savings


I am so glad to be back into couponing once again. By just putting in a little bit of extra time, its amazing how much money you can actually save! It feels good! Pictured above is all the stuff I got for just $19.00!! That is a little over 80% in savings. Here are a few of the websites I visit on a daily basis

Xoxo Frugal Momma


Addicted to Saving


Mojo Savings

The Krazy Coupon Lady

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Friday, September 27, 2013

Fry's Free Friday Download: FREE Package of Hillshire Farms Lunchmeat


September 27 ONLY, download a digital coupon for a FREE package of
 Hillshire Farms Bold Flavored Lunchmeat directly to your Fry's card!

Coupon offer redeemable through October 12, 2013.

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Wednesday, September 25, 2013

Walmart: FREE Lindt Chocolate Bar


Hurry over to the Lindt Chocolate USA Facebook pagelike the page, and watch
 the video to unlock a coupon for $2.00 off any one Lindt Product (3.5 oz or greater).

Take the coupon into Walmart where you may find the cocoa bars priced at only $1.68! 

Use the $2.00 to get the product for FREE plus a small moneymaker!! 

***Another idea: Because the coupon prints with a long expiration date of 11/23, you can 
also hold the coupon in hopes of finding Lindt chocolate at a cheaper price after Halloween***

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FREE Schick Silk Effects Razor @ Walmart


Hurry and print this new $4/1 Schick Women’s Razor Coupon
to get a free razor! You can print the coupon up to two times. 
 
Shhick Effects Plus Razor: $3.98

Final Price: FREE + $0.02 Overage


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Saturday, September 14, 2013

Oh Boy! Oberto Beef Jerky BOGO Coupon



Right now there is a high value BOGO Free Coupon available for Oh Boy! Oberto Beef Jerky available! Go HERE to print your BOGO free coupon for Oh Boy! Oberto Beef Jerky
Walgreens has them on SALE right now for only $2.99 (originally $6.50 each)
Buy one (3.25oz Only) @ $2.99, get the second FREE! ($1.50 a piece)

Thanks STL Mommy

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Friday, September 13, 2013

Kroger & Affiliates: FREE Emerald Breakfast On the Go Mix (MUST LOAD ON CARD TODAY)


 If you are a Kroger (or affiliate) shopper, head over and load 
an eCoupon for free Emerald Breakfast on the Go to your card. 

This eCoupon is only available for you to load to your card 
today(9/13/13), but you will have until 9/28/13 to use it. 


Thank you Xoxo Frugal Momma

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Friday, August 23, 2013

Fry’s Friday Freebie ~ Free 2 Liter of Ten Soda (must load coupon today, redeem thru 9/7)


free_ten
Fry’s has a new Friday Freebie coupon for 1 free 2 liter of 7 Up Ten, Sunkist Ten, A&W Ten, Canada Dry Ten or Dr. Pepper Ten.
You must load the coupon today, but have through 9/7 to redeem it.
A2 Liter of 7 Up Ten, Sunkist Ten, A&W Ten, Canada Dry Ten or Dr. Pepper TenFREE Fry’s digital (Load on 8/23 only, redeem by 9/7) (should be one of the first coupons listed, if not, sort by “most recent”)
Final price:  FREE
** Grab the 2 liter and hand the cashier your VIP card when you buy your groceries. The price will automatically be deducted, making it FREE!
AddIf you have Facebook, make sure you load the weekly Wednesday coupon: Spend $50, Save $3 (expires 8/27/13)
You can see the full Fry’s list here.

Thanks Bargain Believer!!!

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Friday, August 16, 2013

Amazon: CRAZY HOT Deal on Diapers!!


Wow! If you're not a member of Amazon Mom yet and have children in diapers, this is a deal that you might want to sign up for. Right now, you can sign up for a FREE 3 month trial of Amazon Mom AND receive $25 off your first pack of diaper. You'll also get free shipping! Like with almost everything, I tried this deal out before posting it and it's totally legit. Check out this amazing deal that I got on Seventh Generation size 4 diapers!



I paid $8.89 for 135 diapers! Amazing!


Here's what you'll need to do to get this promotion:



1. Head over to Amazon Mom and sign up for a 3 month trial before 8/30. You will need to enter your credit card information because after the 3 month trial, they will automatically charge you the $39 for the membership. (To avoid that charge, all you need to do is cancel your membership once you receive the diapers.)



2.Add a pack of eligible diapers to your cart. (Don't forget to click Subscribe and Save and any coupons listed on the page to get a lower price.)



3. At checkout, enter promo code BABYTIME. (The code initially didn't want to work for me, but when I put a space between BABY and TIME, it worked perfectly.)



---------------------------------------------------------------------------------------------------------------------



Here's an example of the deal that I did:
Bought one pack of size 4 Seventh Generation diapers $46.55
-Clipped the $4.00 coupon on the page to bring total down to $42.55



-Selected the option for Subscribe & Save on the right hand side to bring my total down to $37.24. (I chose to have the "Delivery every 6 months" option so that I could remember to cancel the account before being charged.




-Clicked Subscribe Now.
-At checkout, add BABYTIME or BABY TIME in the promo code box. 
-As shown above, when all was said and done I paid $8.89! I aim to spend 15¢ or less per diaper. With this deal, I spent 6¢ per diaper!



NOTE: Amazon's prices can change at any time, 
meaning that they can go up in price or go down lower.



Thanks, Hip2Save & Jen!

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Thursday, August 15, 2013

Safeway: FREE Angel Soft Toilet Paper (Until 8/27)



This is one of my favorite deals that happens at Safeway--FREE toilet paper. 
Until August 27Safeway has the 4 pack single roll of Angel Soft toilet paper on sale for only 99¢.
 Head over to the Angel Soft website where you will find a coupon for

Remember, Safeway will make all coupons $1 or up to the value of the item if the item is cheaper
 than $1. In this case, the 25¢ Angel Soft coupon will double up to 99¢. Another thing to note is
 that Safeway doubles only 3 like coupons per transaction.

You should be able to print this coupon two times per computer. If you have printed it twice
 before, unfortunately you won't be able to print again.

**Coupon deal taken from my friend's blog Xoxo Frugal Momma

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Wednesday, August 14, 2013

Safeway: Nature Valley Granola Bars for 29¢ (Using Printable Coupons)


Until 8/20, Safeway has the Nature Valley Granola Bars and Oatmeal squares on sale for $1.49 each with the in-ad coupon. There is also a catalina (a special coupon for money off your next purchase that prints at the register when you buy specific items) and coupons that will make the deal even better!

First off, you can add the $1.49 price to your Safeway card 
or you can cut the coupon out of the Safeway ad.


Next, the catalina:

Nature Valley Granola Bars 5ct, Nature Valley Granola Thins or NV Oatmeal Squares 
Buy 3, get a coupon for $1.00 off your next purchase
Buy 4, get a coupon for $2.00 off your next purchase
Buy 5, get a coupon for $3.00 off your next purchase


If you head over to coupons.com, look for the following two coupons:

In case you didn't know, Safeway doubles all coupons up to $1.00. The 50¢ coupons shown above will double up to $1.00.

Here's a deal scenario:
Buy (4) Nature Valley Granola Bars $1.49 each
Buy (1) Nature Valley Soft-Baked Oatmeal Squares $1.49 each
Total: $7.45 

-Use two $0.50 off two NV Granola Bar coupons (you can print the coupon twice from this link)
-Use one $0.50 off one NV Soft-Baked Oatmeal Squares coupon

Pay $4.45, receive a catalina for $3.00 off your next purchase

That's like paying $1.45 for 5 boxes of NV bars or 29¢ each!

Note: If you have more than one computer, you can choose to print two NV Soft-Baked Oatmeal Squares from each computer to get them for a cheaper price. Also, if you have newspaper coupon, use those to get an awesome deal!

****Got this coupon deal from Xoxo Frugal Momma

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Tuesday, August 13, 2013

Outback Steakhouse: FREE Mini Milkshade w/ Purchase of One Adult Entree

outback-coupon

 Maybe thinking of heading out to Outback Steakhouse sometime this week?

Take advantage of this free mini milkshake while its lasts!

Click on the link above to print your coupon. Offer valid for lunch/dinner through Thursday 8/15/13

-KIMBERLY-

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$1/1 Pebbles Cereal Facebook Coupon-Cheap Cereal at CVS

cocoa and fruity pebbles


Buy 1 Post Cocoa or Fruity Pebbles, 11 – 19.2 oz – $1.88 (LIMIT 5 – sale ends 8/17)
Final Cost: $0.88!
***Coupon deal taken from Addicted to Saving**

-KIMBERLY-

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Fry's: Betty Crocker Fruit Snacks 49¢ Today ONLY!


Buy (5) Betty Crocker Fruit Snacks $1.49 each

-Use one  $1.00 off one Betty Crocker Fruit Snacks coupon (will deduct $5.00 at the register)


 Pay only  $2.50!


I just load the digital coupon onto my Fry's card and it automatically takes it off at the register.


If you want to buy fewer than 5, you can. But remember, this is part of
 a Mega Buy 5, save $5 so you will need to buy in increments of 5. 

Also, once you have used the above coupon
 in one transaction, you won't be able to use it in another. 


-KIMBERLY-



***Coupon deal taken from my friends blog Xoxo Frugal Mama ***

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Wednesday, May 8, 2013

This Is For All You Canadians Out There


Have you guys heard of Promotional Code Canada?
Promotional Code Canada is a new and extremely fast growing Canadian deals website. If you are looking for fantastic bargains or discount codes, visit their website to find it! They are Canada’s biggest website for online promotions and offer and allow anyone to find and share the best coupon codes in Canada daily.

Their unique set up allows you to search for stores you are not even aware of by using the handy a-z of Canadian stores tool. Their website is completely free to use for all Canadian visitors,so you will never have to pay a cent to use our codes.

Find a list of categorieHERE
Find an A-Z list of stores HERE

They also have a ton of coupons just in time for Mother's Day





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