A Financial Education Event
 

Summer Jobs For Kids

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Nifty Ways for Kids to Earn Money This Summer

The first job my sons Daniel and Philip ever had was a paper route. It gave them something to do during the summer, helped them start managing their finances and was even a little fun (at first). While we said they could only do it if they committed to it for a year, they occasionally passed duties on to their younger brothers, Jonathan (age 7 at the time) and Joshua (age 6).

While mama (age undisclosed) did the driving, the little boys did the delivering. On Joshua’s very first house, he grabbed the paper in his tight fist, barreled up the sidewalk, got his arm into an admirable wind-up and pitched the paper on top of the house! Rooftop-bound periodicals aside, allowing your kids to earn money can be a fun and prosperous adventure, as long as you’re willing to supervise them. Simply set boundaries that are appropriate and let them go to work.

Here are some great ideas to help your kids raise their own cash this summer while enjoying the benefits of earning, saving and sharing:

  • Rent-A-Kid – If you, a church or neighbor (someone you know) needs any odd jobs done, this is a great idea. When advertising the service, it’s important to plan early and be specific, polite and careful. You can even help your child make a small business card on the computer!
  • Washing cars and/or windows – This can be advertised similar to the Rent-A-Kid idea and only requires suds, soap and elbow grease. Focus on safe neighborhoods and quality work. Always accompany your child until you know the employer better.
  • Babysitting – A popular choice for young guys and girls, safety is key for this job. Encourage your child to take a babysitting/CPR course and babysitting people you know. Also, if they keep the house tidy and the kids happy, it can lead to repeat business.
  • Caring for pets – Since summer is a popular time for vacations, people are usually looking for affordable ways to care for their pets. For kids who like animals, this is perfect. Recommend they pass out flyers and visit the animal before they take the job.
  • Mowing lawns – For older kids, this is a go-to summer job and an excellent source of income. It can be dangerous, so it’s important to exercise caution and safety. Make sure they have the proper supply and safety gear and encourage a job well done (the best form of advertising).
  • Making and selling candy or drinks – Everyone loves candy, cool drinks and cookies/cakes, so this is a great option for the future chef. With permission, you can sell at sporting events, church bazaars, carnivals, festivals or farmer’s markets.

Before your kids take on a job this summer, be sure to think about safety, age-appropriate work, training, quality and following through. And after they’re finished, praise them for a job well done! Be sure they are working for family members or trusted friends and feel free to supervise their work by tagging along as long as they are young enough to need you!

What kind of summer job did you do as a kid?

Ellie Kay

America’s Family Financial Expert (R)

5 Ways to Stick to That Summer Budget!

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I love summer. It means a lot of fun things for the Kay Family. We have two weddings this year with one on Memorial day weekend and another in July! It means a lot of travel and budgeting to make sure we don’t go into debt!

Summer is a tough time for anyone to control spending, much less stay on a budget.  With the kids out of school and summer vacation around the corner, it’s a time when people fall victim to the thought, “I’ll go on vacation now and deal with the bills later.”

But there are ways to cut back on spending to stay on budget before summer hits. The three areas that require consumers to spend money on a regular basis, that do not go away with difficult economic times: groceries, gas and family essentials (such as clothing, birthday gifts, etc). You can plan for summer and still stay on budget for these “little” areas that add up to big expenses. Here are some questions I got when I went on ABC NEWS that you might find helpful.

Q. Ellie, we often think of the holidays as a difficult time to stay on a personal finance budget, but this time of the year is really is a difficult time to stay as well. There are end of the school year gifts to buy, vacations to plan and a summer clothes to get for the kids. We have to start somewhere, and you say the first step is to start with a plan?

ELLIE: Yes, it’s amazing how kids keep growing every year and the summer clothes they wore last season are two sizes too small this year. But having a plan is a good place to start and while the basic a plan is a budget,  now is the time to break down the household budget into a plan for the more manageable subsections. This time of year, stores and websites are cleverly designed to get you to spend more than you intended. So it’s important to know what you are going to get and spend before you go to the mall or online. This plan will take into consideration past spending behavior and any impulse buys that tend to kick in while you’re in spending mode. Write down what you are going to spend in the little areas and be specific. If your two preschoolers need clothing, then conduct an inventory of what each of them has—including any hand-me-downs and the vacation gear they may need for the entire season. If you’re planning a vacation and find that you will eat fewer meals at home because you’re going to be away, then don’t budget the same amount for the grocery store. Otherwise, you’re adding spending upon spending when you should be cutting in one area and adding in another.

Q. So we have a plan, the next step is to not fall for questionable “deals.” What do you mean by this?

ELLIE: This time of year, you’ll see sales on summer clothing, electronics and even summer foods—all the things that people are thinking about as the school year winds down and vacation time starts to gear up. But not all sales are created equal and you may see a lot of $90 digital cameras and $100 GPS sales but there can be a huge difference in the models. So before you pick up a steal of a deal, do a general price search on the specific model at Shopping.com or amazon.com before you get too excited. Plus, if you go into the store and they do not have it in stock, ask for a substitute that is an upgrade from the model that is on sale. You’ll be surprised at how much you can save by just asking. It’s also important to read the fine print in a sale advertisement. If there is a “limited quantity” or “no substitutions” then that could impact your spending plan. Finally, look at the whole world of “price comps” this is where a store offers to match the price of competitors in any sale advertisement that you bring into the store. While one store may not have that GPS in stock and may not offer rainchecks, another store might match the sale and have plenty in stock. We’ve taken advantage of this kind of offer quite a few times, so much so that price comping has become a habit in our family. This can also save quite a bit of money and help to keep you on track in the “little” areas that can tend to torpedo the budget.

Q. So we have a plan, we’re not falling for questionable “deals” and now you say that the next step is “don’t miss any discounts.” How can this help keep us on track and what if there aren’t any discounts—especially for things like gas and other essentials?

ELLIE: Just because a store or website doesn’t mention a discount on merchandise or shipping on its site or in the ads doesn’t mean its not offering any. There is often a number out there in cyberspace that can be retried into either the promotional code box online or even a coupon code into the register at the mall. To find out if what you are buying has an additional discount, go to RetailMeNot.com on your computer or smartphone and enter the store’s name. Or you can go to CouponCabin.comBradsDeals.com and you may find digital coupons that you can download from the store’s websites.
The same principle applies in the grocery store or when filling up your tank with gas. Go to couponmom.com to save in the grocery store and Go to gaspricewatch.com to find the best values on gas. Don’t forget to check and see if the gas station may offer an unadvertised free car wash, cup of coffee or soda. I just found out that I could have been a lot more caffeinated, for free, at my neighborhood gas station when the attendant asked me, “are you going to get your free cup of coffee?” Once again, if you just do your research you’ll find all kinds of freebies and these “little” things, when multiplied and combined will add up to big savings if you create this awareness level.

Q. The final step you recommend in order to stay on budget in the little things is to use cash or debit cards. There are pros and cons to using debit instead of credit, what are your thoughts on this?

ELLIE: Yes, there is a time to use a credit card instead of debit when it comes to charges that you may dispute on your credit card or when you want an extended warranty or the added protection that comes from using a credit card. However, for these little areas, we tend to track the spending better by using cash or debit and consumers are far less likely to go into debt because people simply spend less when they are using cash according to the Journal of Experimental Psychology, Applied. Store clerks have long found that it is easier to persuade people who are using credit cards to spend more than they were intending. And when it comes to shopping online, you dn’t necessarily need a credit card to have more protection than using your debit card online. One other option that won’t get you into debt is to research the layaway plan at your local retailer by going to eLayaway.com

Happy Summer!
Ellie Kay
America’s Family Financial Expert (R)
http://www.elliekay.com/

Thanksgiving Traditions

Thankful Traditions

The Kay family photo for Woman’s Day magazine.

Not every “savings” can be measured in dollars and cents. One of the things we emphasized in our family is the saving of memories. Our Thankful Tree was featured in a Woman’s Day magazine one year. It took two photographers 8 rolls of film and four hours to get one 3 x 5 photo in the magazine. Joshua was missing for one roll of film and we didn’t notice until we saw him making faces from behindthe photographers and we asked, “What are you doing back there?”

The tip we gave is how we’ve stayed in touch with family and friends during this holiday. On November 1st, we made a Thankful Tree on poster board and put it on our wall or front door. The tree was bare because the leaves that we made out of construction paper have not yet been gathered. The leaves have the person’s name on them and say, “Uncle Steve is thankful for _________.” But we left the tree bare at the beginning of the season to teach the children how barren our lives are without the giving of thanks.

We made and sent the leaves to friends and family around the world along with a self-addressed envelope. When these envelopes came back, the children got excited as they took turns opening them. At dinner that night, we read the leaf and give thanks along with those who are thankful and put the leaf on our tree. By Thanksgiving Day, we had a tree full of thanks. We carefully saved the leaves in an envelope marked by the year and kept all in our Thanksgiving decoration box. Each year, we read the leaves from past years.

We never know when this year’s leaf might be someone’s last, or which family might have a new leaf on next year’s tree. So we give thanks.  These days, we gather “thankful comments” from facebook, email and twitter, but the point is we are connecting with friends and family in a meaningful way.

This holiday, what are YOU thankful for?  Besides our health and our family, we are thankful for a new baby in the family, a newly commissioned LT, a son on the USMA Color guard, a Marine who safely came back from Iraq and for a daughter who just got engaged.

Happy Thanksgiving!

Ellie Kay

 

8 Ways to Thank a Veteran Today and Every Day

 

As far a military families go, I’m brat, a grandbrat, a wifebrat and a mombrat. Yes, military service runs deep in the Kay family. My Grampa died as an aircrew member in WWII; my dad retired as a Chief Master SGT in the US Air Force; my hubby flew fighter aircraft in the Air Force for 30 years; one of my sons graduated from the Naval Academy and is an active duty Marine; another son graduated this year from the United States Air Force Academy and is at pilot training; and my youngest son is a junior at WestPoint. So when it comes to thanking our troops for their service, I really appreciate those of you who take the time to say thanks.  Here are some more easy ways to express your appreciation:

1.       Say “Thanks” – The fact that you are reading this blog, indicates that you probably already thank those in uniform when you see them. When people say “Thank you for your service” to my Marine baby boy, he responds with, “Proud to serve.”  Be sure to also thank family members, including parents of service members, for the way they serve by supporting their military members. If you like the football, then get in on the NFL’s way of saying “thanks,” both online and in football stadiums across America in the next few weeks. Participate in the million fan salute. When you vote a “salute” for your team, then your local military earns rewards from this USAA sponsored initiative.

2.      Say “Welcome Home” – As we all know, the Vietnam War was not a popular conflict, and those who served were greeted with jeers, taunts or just plain apathy. There are also those who returned from the Korean War who were never properly welcomed back. So when you see an older vet, ask them what war they served in and if it’s one of those two, then ask one more question, “Were you ever welcomed home?” If they say, “no” then simply say, “Well you have been now, welcome home soldier, thank you for your service.” I’ve done this many times and all were deeply thankful for the sentiments, and some were so deeply moved, they even had tears in their eyes. Making a grown man cry never felt so good.

3.      Pick Up Dinner – Every year, restaurants give free meals and discounts for Veterans and those who are serving now and at The Military Wallet, you can get this year’s update. But why not keep it going year round? Once a year, or more, depending on your budget, pay for a military member’s meal. You may see a service member with his or her family or a group of military dudes and dudettes in a small group at a restaurant. Don’t go up to the soldier, sailor or airman to ask if you can pay for their meal. Instead, go to the manager or the waitress and ask for their bill, then pay it as you leave and tell the waitress to give them a simple message: “Thank you for your service.”

4.       Operation Gratitude – During Veterans day week, our USAFA parents club volunteered to help put together care packages for the troops. Lots of volunteers put together over 7,000 care packages in one day! Each time I went through the assembly line with my boxes, it took all my self control not to slip that package of Rocky Mountain Factory fudge into my pocket. You can also donate DVDs, Girl Scout cookies, trial-sized toiletries, candy, scarves, gloves, small stuffed animals, books and more to the effort.

5.      Mow A Yard – Or rake leaves, or plant rosebushes, or paint an outhouse, or… you get the idea, for the military family of a deployed service member in your neighborhood, church or community.  When Bob was gone and I was left home alone with a house full of kids, I really appreciated that help. The best help comes from people you know, where that military family is comfortable knowing you are not a creeper!

6.      Donate Your Old Cell – If you are like most of the Kay family members, you get a new phone about once every 18 months or so (it seems to be an inalienable right in our clan). Instead of trading in when you trade up, give it to Cell Phones for Soldiers. Go to http://www.cellphonesforsoldiers.com/.

7.      Calling All Coupon Queens – I started out in the financial area as a Coupon Queen and eventually evolved to “America’s Family Financial Expert” ®. Along the way, I’ve encouraged families to donate their expired coupons to military units overseas. They can use your castoffs for up to six months past the expiration date. For more information, email us at assistant@elliekay.com and put “Expired Coupons” in the subject line.

8.      Care for Critters – If you are like my hubby, you are a critter person. He sits in his easy chair each evening and instantly—voila!—three mini schnauzers appear in his lap. They were his constant pet therapy when he broke his back a couple years ago, thereby ending his career as a fighter pilot. If you love critters, then you can offer to provide foster care by taking in a dog or cat of a wounded or deployed military member while he or she is receiving medical treatment or on duty.  For more on this, go to http://www.guardianangelsforsoldierspet.org/.

Thank you to all our Veterans and their families, and a special thanks to my husband, LTC Bob Kay, the World’s Greatest Fighter Pilot for his 30 years of service, to my Marine, Airman and Soldier. I’m so proud of all of you!

Ellie Kay

www.elliekay.com

FInancial Pre-Deployment Checklist (part 2)

 

Are your finances ready for your next deployment?  If you have all your business affairs in order, then you will have less stress on your next deployment because you won’t be worried about the things you didn’t get done. The items on the checklists from our last blog and from this week will make all the difference in minimizing stress not only for yourself, but for your loved ones as well.

  • Budget – If you are married, then set up a budget with your spouse that can be used throughout your deployment. Make sure they know when bills are due and how much is owed for regular payments. If you email me at assistant@elliekay.com and request the “Sixty Minute Money Workout” we will send you a free guide that can help you set up your budget with your spouse or a “money buddy” so that you can establish a budget and discuss financial matters with your mate without arguing. Mint.com has an excellent budgeting app and there’s an interactive, free budgeting tool at elliekay.com as well.

 

  • Will including a Living Will or advanced medical directive. Don’t get so busy that you rely on the laws of the state for which you have residence to administer your estate. Instead, make sure you have a will that not only includes who will have control over your financial assets, but also include where you would like to be buried and if you want cremation or not. We once lost a pilot in a routine training accident in our squadron. His wife was left with a six week old baby girl and she had to face his parents who insisted he be buried in their hometown while she had other ideas of what he wanted. The more specific you are, then less headache your family will have when they are already dealing with tremendous loss.

 

  •  Accounts and Auto Pay Bills – List all accounts (credit card, car, utilities) and any passwords or acct numbers for the person taking care of your bills. If possible, set up these accounts to pay automatically so that you are not late on them and won’t get a hit on your FICO (credit score).
  • Legal Documents – Gather all legal documents such as birth and marriage certificates, deeds, mortgages and automobile titles and put them in one central location so that they are easily accessed by your spouse.
  • Meet with Personal Financial Manager (PFM) from the installation family centers or through MFLC (Military Family Life Counselors) or Military OneSource.com to go over any other financial issues that need to be settled before you deploy.
  • Emergency Financial Assistance   In the event the family may need assistance while the servicemember is deployed, it saves time and headache to take care of this ahead of time. You can pre-Authorize assistance by going to:  http://www.nmcrs.org  (Navy-Marine Corps Relief Society).

Whether you are single or married, it’s important to check off the above items to make sure you are financially ready for deployment. Thank you for your service and a special thanks to those family members who support you as well!

 Ellie Kay

 

 

Financial Pre-Deployment Check List – Part 1

What are the most important financial details to take care of before a deployment?

As a long time wife of a fighter pilot, we lived through a lot of separations and I’m glad we had our financial house in order before he left. Today, we have a Marine who recently deployed and since he is single, there were aspects of this checklist that involve us as well. Whether you are married or single, it’s important to take care of business before you leave the states. This is part one of a three part series and it can make all the difference for family members back at home.

Here’s a checklist to help you get through.

  • Defense Enrollment Eligibility Reporting System (DEERS) Make sure that this info is up-to-date for all family members since this impacts everything from being able to get Tri-Care to keeping a current military ID.  If you do not live in the same household with all your dependants, be sure that you have all the current information (i.e. children who do not live with you or children in college).
  • Military IDs – Make sure they are up-to-date and won’t expire during deployment. This is, once again, true for all your dependants and sometimes the expiration dates are different on the cards than they are on your own military ID, so double check this so that your dependants can have access to everything from the commissary to discounted Disneyland tickets through MWR.
  • Passports –Make sure family members have current valid passports.  If a military member is severely wounded, then parents or spouses would need current passports to come and see them. If you are single, and your parents would be the ones to come see you, then contact them and make sure they have current passports.
  • Record of Emergency Data – If your family needs to be notified of a severe illness or injury, they will be contacted based on the information you have in your emergency data. Are you newly married and your name has changed? What about other changes to your information? We recently decided to go from having a house phone line to only having cell phones. The house phone line was the one in the emergency data information for our single,  Marine son, so we had to make sure that he updated that very important info. Check with your parents and children who are dependants but do not live with you and make sure you make note of any info that has changed.
  • Family Care Plan  – If you are dual military spouse, a single parent or have another family member dependent on you for care, you need to update your family care plan. Your family services center can help you walk through the updates necessary to make sure all your family members are taken care of if you are the sole source of their provision.
  •  Power of Attorney- The person designated in the power of attorney document should be the service member’s spouse, a parent or trusted friend, since it give that person the expressed written permission to act on the service member’s behalf. There are three different kinds of POAs.

A General power of attorney allows for the person to buy, sell, trade or sign for almost any legal act on their behalf. If you and your spouse are having marital issues that may lead to a separation, then it might be better to have the spouse on a specific/limited POA rather than a general POA.

A Specific/limited allows only specific powers for a specific period of time. For example, they can sign your tax documents to file taxes or sell a specific car. This kind of POA is good when you are single and having a parent or trusted friend handle your business affairs.

A Durable POA is the most comprehensive of the three kinds of powers of attorney.  It remains valid even if the servicemember is incapacitated. If you don’t specifically select this while drafting a general POA, then it will automatically end if they are incapacitated. Therefore, if you want a family member to have the POA even if you are incapacitated, this has to be indicated by securing a durable POA before deployment.

Set aside an hour a week before your deployment to start chipping away at this list and be sure to check back next time for part two of this series.

What is your favorite pre-deployment tip? 

Ellie Kay

Keeping to the “B” Word

Families usually have favorite restaurants, movies, and even special songs that reflect the character and tastes of the family. Your budget will be just as unique as your family. It will be based on variable factors, such as your family’s size, geographical location, debt load, and income.

When Bob and I first set up a budget, we realized that both of us wanted to have healthy finances, even though we approached money differently. As you go through the sometimes-painful process of establishing and sticking to a family budget, it is important to make a real commitment to these important issues. We also realized that we didn’t need to go overboard by pinching our pennies so tightly that it strained our relationship and took all the enjoyment out of life. So we allowed for an occasional indulgence, implemented budget-cutting techniques slowly, and modified our plan as needed. As time went on, we fine-tuned some aspects of our budget and then did an annual check-up to make adjustments that allowed the budget to become a part of our lifestyle.

Saving in the Store with Links to Super Savings

By learning how to save money in stores for groceries, toiletries, and cleaners, you can also begin your journey to million-dollar life. The only true failure would be never to start. Here are some tips to save money in the store, whether you’re destined to be a Savings Queen or not. If you apply a few of these tips, you could save up to 50 percent and if you apply most of them, you could cut your food bill by as much as 80 percent. Here are some of the best tips to transform you from a coupon commoner to a Coupon Queen.

  1. The List: Research indicates if you shop with a list and stick to it you are likely to spend as much as 30 percent less than listless (pun intended) shoppers. The exception could be when you can get items for pennies (or free) that are not on your list—get these anyway!
  2. Impulse “Buy-Buy” Guys: Using a list has a second benefit: researchers show that the typical consumer spends almost $100 per hour while shopping a discount department store, grocery store, or discount club. In other words, the more time you have to window-shop, the more money you’ll spend. Just think, spending thirty minutes more in a store can cost you $50! So get in and get out of there as quickly as possible and say bye-bye to impulse buys.
  3. Store Directory: Make your list according to aisle order and you’ll save even more time and money. By shopping according to aisle order, you won’t become a grocery nomad—wandering back and forth while you look for that last item on your list. Go to the customer service desk at the store you frequent and ask them for a map of the store. These are usually called an aisle order chart, store directory, or store map.
  4. Price Comping: Many stores including Wal-Mart Superstores, will match competitors’ sale prices. Check and see which stores do this in your area, not the store and sale price on your list, bring those sales circulars with you, and then ask the checker for the lowest price. This tip takes only minutes and saved our family over #3,500 last year because it can also apply to anything in the store (electronics, household goods, etc.). It also saves time and gas.
  5. Tune Out and Cash In: Watch fewer television commercials. A recent consumer report indicated that couch potatoes are far more likely to overspend at the store for each one minute commercial the watch die to the marketing effects of this medium—to the tune of an average of $260 per hour! Keep in mind that this dollar figure includes everything from Skittles and Diet Coke to a new car or luxury item.
  6. Savings 101: Buy products when they are on sale. This may sound elementary and it is, but you’d be surprised at how many people do not take advantage of sales. They’re “too busy” to shop the sales, or when something goes on sale, the think, Well, I still have some of that at home, I don’t need it now. Get the sale ads in your weekly paper and make your list according to what is on sale. Be sure and put your list in aisle order and save the sale ads for your price comping trips.
  7. Sale Awareness: Don’t give in to “impulse buying” for sales. If the discount is only 10 percent, then think twice about giving in to the urge to buy the product simply because it’s on sale. The exception would be if the item is needed immediately—in that case, you can be grateful for the fact you’ve saved 10 percent rather than nothing!
  8. Loss Leaders: Shop the loss leaders. These are items in the sale circular that the store is selling for less than their cost in order to get the consumer into the store. If you come in to buy the $.99 chicken breasts, then chances are good you’ll go ahead and pick up another thirty items you “need” while you’re in the store.
  9. Go Online for More Savings: Online has so many opportunities to save from food to prescription drugs to clothes. Check out the chart below from http://www.wow-coupons.com/ for great guide to saving money on and offline:
Wow Coupons Grocery

 

 

FREE Grocery printable coupons site! Many many grocery printable coupons from top brands.
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Pharmacy Discount Network – FREE Prescription-Savings Sign up and receive a FREE discount drug card to save up to 75% on prescription drugs. It’s good at over 65,000 drug stores: Albertsons, CVS, Costco, Eckerd, Kmart, Duane Reade, Target, Walmart, Safeway, Walgreens, Publix, RiteAid.
YourRxCoupons.com

Sign up and receive up to 75% FREE with the pharmacy savings coupons from YourRxCoupons.
You & Your Family

Multiple printable coupons from few brands. Palmer’s Cocoa Butter & more
Colgate-Palmolive

Multiple printable coupons from Colgate-Palmolive brand.
Internet Drug Coupons.com   FREE database of 216 downloadable coupons for prescription drugs,

non-prescription drugs, and medicines for pets.

Home Solutions

Printable coupons from few brands: JET-DRY, ELECTRASOL, LYSOL, etc .
Procter & Gamble

Enjoy the latest samples and coupons from P&GbrandSAMPLER, a member benefit of P&G Everyday Solutions..
Right @ Home

SC Johnson offers great home-care products you use every day, like Windex®, Glade®, Scrubbing Bubbles®, Ziploc®, Pledge®, Raid®, etc.
Living Naturally

Organic grocery food printable coupons.
Organic Valley

Organic Valley Soy, Milk and other printable coupons.
Mambo Sprouts

Organic and Healthy grocery food printable coupons.

Ellie Kay

America’s Family Financial Expert ®

Quick Guide to Grocery Coupons

A Quick Guide To Coupons 

     I remember the very first time my eyes locked onto it. In my seven-year-old mind I didn’t realize it at the time, but this was love at first sight. Who would have thought that a little piece of paper would one day open the door to a literal, million-dollar life? There was something magical about the script, the numbers, and the pretty picture. It was as if I found out that the king and queen of Genovia were at the same hospital as my parents when I was born and that I was switched at birth. It was as if the royals took home the wrong baby and I was a princess who went to live with mere commoners.

What was this precious paper you ask? The paper I fell in love with was—a coupon.

Coupons made me feel like a queen and ushered in a lifestyle change. It was where I not only was able to save money for my family and help us get out of debt, but it was the bridge from a business background to a new career as “America’s Family Financial Expert” ®. Here is a quick guide on coupons that can start your life as a financial royal.

  1. Store Coupons: A true store coupon is one that is issued by the store and not the manufacturer. Consumers can tell if it’s a true store coupon by the redemption address in the coupons fine print. If it has the manufacturer’s name, then it is a genuine store coupon. This will be a critical point in the ability to layer savings factors while using a store coupon.
  2. Price Store coupons: These are usually store coupons, but sometimes they are manufacturers’ coupons. These coupons will give the shopper a product for a specific price and sometimes free. For example, I used a store price coupon last week for Colgate toothpaste, which gave me a price of $.99 (a savings of $2.00 off the regular price).
  3. Combine Coupons: A consumer cannot ever combine two manufacturers’ coupons on one item—such as a regular manufacturers’ coupon and an electronic coupon. But you can combine a manufacturer’s coupon and a genuine store coupon for big savings. For example, CVS Drugs Stores offered a price store coupon for Secret deodorant for $1.19 and I had a manufacturer’s coupon for $1 off, so I got my fave deodorant for only $.19. That’s a “secret” that I can’t keep to myself!
  4. Instant coupons: Look for product instant coupons. Sometimes products will have a “Use This Coupon Now” coupon attached that you can tear off and use immediately. Keep in mind that these are always a form of a manufacturer’s coupon. These are also available on your stores’ app that you should download ahead of time.
  5. Product Packaging: Look inside the product for more manufacturers’ coupons, special offers, or rebates. Sometimes there will be a coupon in side the box for cents off the next purchase or for a rebate or another special offer. I got Kellogg’s cereal bowls for a couple of box tops and $2 postages and handling—these were quality bowls that the kids used for several years.
  6. Take it on the Road: When leaving for a vacation or taking an extended trip to another city to see family, take the coupons with you. This system works anywhere, but the savings factors will range from average to super depending on the offers available at local stores.
  7. Electronic Coupons: Check out the different websites or apps that offer free coupons. You should not pay for ANY coupon online—it completely defeats the purpose, and, in many cases, it is a scam. Check out these reliable sites I found on http://sunshineandsippycups.com/. Note that many of the websites may have the same or similar coupons. But if you usually buy multiples of an item, such as 3 or 4 packages of cheese or lunchmeats when they’re on sale, then being able to print out the same coupon on a few sites can be pretty handy.
  • CELLFIRE: Save grocery coupons directly to your supermarket savings card with Cellfire.
  • COUPONS.COM: Free Coupons! Save on your favorite brands. Print free coupons before you shop.
  • A FULL CUP: Great resource for printable coupons, as well as sale match-ups and tips!
  • INBOX DOLLARS: There are a lot of ways to get freebies and earn cash here – But a super awesome tool is that you can find your favorite coupons here, and get PAID when you print them!
  • GROCERY COUPON NETWORK: 100% FREE registration to receive free printable coupons, exclusive email savings, recipes and helpful grocery savings tips.
  • LIVE BETTER AMERICA: This is a great way to get high-value coupons. They’ll send you a weekly newsletter with the best from brands like Pillsbury and other kid-friendly faves, and they’ll match them to recipes too.
  • SWAGBUCKS: This is another site that offers lots of ways to get freebies, and also pays you for printing coupons on their site – very cool!
  • PENNY PINCHER GAZETTE: Visit Penny Pincher Gazette for Free Printable Grocery Coupons!
  • RED PLUM: Print Free Grocery Coupons from RedPlum!
  • VOCALPOINT: Vocalpoint was made for smart, deal-savvy women like you. Coupons, Samples, Tips, and more cool stuff.
  • FREE COUPON ALERTS: Lets you know when the newest coupons are available.

Ellie Kay

America’s Family Financial Expert (R) 

Lean Body, Fat Wallet: The Health and Wealth Connection

I’m announcing, in this blog, my new upcoming release with friend Danna Demetre!

What would you do if you finally lost all that excess weight and had energy to burn?  How different would your life be if you were completely out of debt and in control of your finances? And what if you could do both at the same time with just few simple lifestyle changes?

Those were some of the questions we wanted to answer when I wrote this book with Danna Demetre. In the interest of full disclosure, there were other reasons I wanted to pen this work as well. One of them was because it was a good excuse to spend time in Danna’s lovely San Diego home doing the writing (and drinking beverages from Italy)! Plus my hubby likes her hubby, Lew (except when the West Point grad takes on the Air Force Academy grad and they engage in a death-match-war-of-the-words to see whose academy is superior.) It also meant that I only had to write ½ of a book instead of a whole book.  Don’t laugh, this is a very important reason I engaged in this project.  In fact, my literary agent, Steve Laube, says, “Ellie you are the kind of author who likes to have written books.”  So what’s your point, Steve?

Even though Danna and I are experts from two seemingly different fields – finance and fitness,  in our new book, Lean Body, Fat Wallet, we let readers in on a remarkable discovery – the habits that are good for your wallet are equally good for your body. The principles that help you stick to a budget are the same ones that help you eat better, lose weight and keep it off.

The simple and practical teaching in this “two for one” bargain of a book will help you put those principles and habits to work using an innovative approach to improving both your wealth and your health.  Lean Body, Fat Wallet, includes real life stories of failure and success readers will identify with and draw inspiration from. It also links common issues of health and money, such as balancing a budget along with a diet and how overspending relates to overeating.

Here’s just a sampling of what you’ll find in Lean Body, Fat Wallet:

  • Four essential habits for satisfying, sustainable change and how to make them part of your life
  • Ten “failure factors” that trip us up and how to steer clear of them
  • Proven strategies to overcome emotional eating and spending
  • A wealth of stress busters that don’t rely on food or money
  • A game plan for raising fit and frugal kids

We also offer a tool kit of charts to track your accomplishments and a recap menu that allows readers to easily navigate each chapter and pick out specific sections relevant to current needs.

Here’s a list of reasons people fail to develop that Lean Body, Fat Wallet we will give you ways to overcome these:

Top Ten Failure Factors

  1. Set unrealistic goals ­
  2. Motivated by the wrong motives
  3. Believed failure was inevitable
  4. Fulfilled the need for immediate gratification too often
  5. Influenced unduly by other people
  6. Practiced a “deprivation mentality”  – all or nothing/black or white
  7. Rationalized and made excuses rather than taking responsibility
  8. Displaced emotional issues through overspending and overeating
  9. Procrastinated rather than taking action
  10. Lacked the tools to make compounding incremental change

Through this book you, too, can discover a new way to approach your financial and physical challenges. Join Danna and I on this amazing journey and at the end of the road, you’ll develop your very own lean body and fat wallet!

Pre-order the book and we’ll send you a special surprise!

What would YOU rather have, a Lean Body or a Fat Wallet?

 

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