Smart Saving & Spending Archives

17 Simple Ways to Save an Hour a Day

July 9, 2020

Note: This post contains affiliate links. Read my policy here.

Raise your hand if you could use an extra hour (or an extra 24!) in your day.

I have yet to meet a woman my age whose complaint is that she has too much time on her hands. And I’m guessing you’re not one either. Instead, you’re probably juggling your marriage, family responsibilities, household chores, career goals, and so much more.

So what would it mean to you if you accomplish what you’re already doing while having an extra hour a day?

Would you use that hour to tackle some of your personal goals? To spend time with your husband or kids? To take a much-needed nap?

However you plan to use your newfound time, these time-saving hacks are sure to help. Try these 17 smart ways to save you time every day . . . and, hopefully, save your sanity too! [Read more…]

21 Places to Get Grocery Delivery & Pickup Service

April 27, 2020

This post is part 5 in the series Skip the Store & Stock Your Pantry.

Note: This post contains affiliate links. Read my policy here.

It is a tough time out there right now.

And, for many people, going to the grocery store — something that used to be simple and safe — has now become a dangerous endeavor.

In the midst of a global pandemic, you’re looking to keep yourself safe and keep your family safe. And, if you’re sick or caring for someone who is ill, you need a way to get your groceries and supplies without stepping into a supermarket.

If you’re used to running to the store with a shopping list, you may not realize just how many options you have for getting fresh groceries, pantry staples, paper products, and everything else you need.

You can absolutely get the groceries you need by staying at home or enjoying contactless pickup.

Right now, demand for these services is at an all-time high. And your usual grocery store may be booked solid right now. So getting what you need means knowing all your options — what stores deliver groceries and which ones offer safe pickup for you.

Wondering where to buy toilet paper, paper towels, tissues, meat, milk, flour, eggs, or other hard-to-find items? This list has it all.

[Read more…]

Skip the Store & Stock Your Pantry with ShopRite from Home

April 25, 2020

This post is part 3 in the series Skip the Store & Stock Your Pantry.

Note: This post contains affiliate links. Read my policy here.

Struggling to get a time for ShopRite delivery or pickup? Check out my tips down below! And read my comprehensive blog post full of unexpected places you can find grocery pickup or delivery.

In this series, I’ve reviewed and spelled out the pros & cons of some home delivery and grocery pick-up services — Amazon Subscribe & Save, Amazon Pantry, Target Subscriptions, and Walmart Grocery. Today I’m sharing my review of ShopRite from Home, including how it works and how to get the most bang for your buck.

It was during a particularly challenging pregnancy that I discovered ShopRite from Home.

All of a sudden, instead of having the freedom to run off to the supermarket, I was too sick even to walk around my house. For months! But, even now as a busy mom, I’m a grocery pick-up convert.

Grocery pick-up and delivery service is a game-changer!

Part of it is the truth of my time’s value. Yes, I could be schlepping around the store every week to grab food, personal care items, household supplies, baby stuff — you name it. But my time is precious. I want to spend it on my loved ones, my family’s goals, and my own personal goals.

And the best part is that I don’t have to sacrifice to do that.

Most days that I use ShopRite from Home instead of hitting the store myself, I actually wind up saving money! And that’s a big deal for any family’s food budget.

So how does ShopRite from Home work? What are the ins and outs of the ShopRite pickup service? The ShopRite delivery service? And how can you maximize your efficiency and save the most money while shopping for your groceries?

Let’s dive in. [Read more…]

How to Save Money at ShopRite: 14 Secrets for Smart Shoppers

March 9, 2020

For most Americans, groceries make up a significant portion of their budgets — up to 15% of their expenses! And plenty of that cash is spent at your local supermarket’s checkout.

Your local supermarket may well be a ShopRite. With more than 300 stores on the east coast, ShopRite is a major chain frequented by millions of people each week.

So what can you do to whittle down that grocery spending? Are there steps you can take specifically at ShopRite to keep your bill low and pocket more of your money each week?

There are! If you’re wondering how to save money at ShopRite, check out these 14 smart tips for saving at this popular chain.

[Read more…]

Ready for Tax Time? My TurboTax 2019 Review

February 3, 2020

Note: This post contains affiliate links. Read my policy here.

At heart, I am a die-hard numbers nerd. So it’s a fact that I used to find actual enjoyment in creating spreadsheets to calculate the figures I entered on each year’s tax return.

Then life got more complicated.

I got married. We got a house. Had a kid. Started a business. And more. And my spreadsheet became increasingly complicated until it couldn’t keep up with my complex life and an even more complex tax code.

So, several years ago, I finally abandoned my spreadsheet and bought TurboTax to handle my taxes. And I haven’t looked back since.

Now, maybe you’re wondering if it’s right for you. Should you go old school with your tax forms, a pencil, and a trusty calculator? Should you shell out for the expertise of a CPA or other tax professional? Or should you DIY with a little help from TurboTax?

In this TurboTax review, I’m sharing the low-down on what it actually does, the pros and cons of TurboTax, and what you need to know before you decide to use it. [Read more…]

Got Unclaimed Funds? Here’s How to Find Your Missing Money.

January 13, 2020

Americans are currently missing out on $58 billion of their own money. Just this year, Utah alone distributed record-breaking quantities of cash — $29.3 million — to its residents. And Virginia broke its own record by returning $87.1 million.

With all that cash floating around, you’ve probably got one simple question: Do any of those unclaimed dollar bills and assets belong to you?

Finding out is easier than you think. So we’re walking you through the places you may have unknowingly misplaced some money. We’ve got the shortcuts for tracking down the funds you’re legitimately owed and the details on how to file your claim. [Read more…]

Here’s Why Your Budget Needs a Sinking Fund

December 16, 2019

When it comes to saving, you’ve got your eye on a few different buckets.

There’s your emergency fund, your retirement savings, and maybe even a college savings plan for the kids.

But there’s another type of savings that many people haven’t heard about . . . but it’s one that can dramatically improve your financial life!

It’s the sinking fund.

They’re simple to set up, easy to manage, and oh so important in reaching your financial goals. Here’s how you can use sinking funds to plan your expenses without messing up your budget. [Read more…]

Your HSA is Actually a Retirement Secret Weapon

December 2, 2019

Sure, you’ve heard about the traditional tools for retirement planning. IRAs and 401(k) plans offer unique benefits for saving your cash now to enjoy when you’re older.

But what about a Health Savings Account? Most people think an HSA is just a place to keep short-term savings to cover your family’s medical costs this year.

But an HSA is actually an incredible and often-overlooked tool for funding your golden years. And its special treatment by the IRS may get you the most bang for your buck when you include an HSA in your retirement plan. Here’s how: [Read more…]

54 Awesome Kid Gifts Under $25

November 18, 2019

Note: This post contains affiliate links. Read my policy here.

Ohhhh man, the holidays are coming!!!

And this time of year, you’re probably wondering what on earth to get your son or daughter (or niece, nephew, or other favorite kids!).

You want something that will wow that special kid . . . without busting your budget.

And it’s 100% possible.

These 54 kid gifts are all under $25 and will bring a big smile to any kid on Christmas morning. [Read more…]

6 FIRE Movement Rules That Will Transform Your Money

August 21, 2019

Note: This post contains affiliate links. Read my policy here.

Right now, the FIRE movement is revolutionizing the way that Americans envision retirement.

FIRE — which stands for financial independence, retire early — began with the book Your Money or Your Life, authored by Vicki Robin and Joe Domingez. First published in 1992 and most recently updated in 2018, the book continues to galvanize young adults in particular in pursuing the dream of retirement in their 40s or even 30s.

But retirement for FIRE followers rarely means doing nothing. Instead, it translates to freedom to pursue the kind of work and passions you love instead of working exclusively for the paycheck.

Mr. Money Mustache, a prominent FIRE proponent, states the goal of FIRE as “complete freedom to be the best, most powerful, energetic, happiest, and most generous version of you that you can possibly be.”

Maybe FIRE is something you’d love to pursue yourself. But, even if early retirement isn’t your plan, you can mine some incredible money principles from the FIRE philosophy — principles that can put you on the path to financial health, help you grow your money, and build a secure financial future! [Read more…]