Here is your friendly reminder!  Don’t forget to stop by Denny’s today to get your FREE Grand Slam. Offer good today only, Tuesday, February 9th,  from 6 AM – 2 PM.

And, don’t forget to sign up for Denny’s Rewards to get a Free Grand Slam on your birthday and more exclusives straight to your e-mail inbox!  Plus grab more restaurant coupons and deals!

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Target Weekly Deals, 2/7/10 – 2/13/10

by Beth Montgomery on February 8, 2010 · 0 comments

in Store Deals, Target

Target

Have questions about Target? Read how you can Save Cents at Target to pick up tips and tricks!
Pay attention to the colors! Items in BOLD are on sale, while BLUE is the after coupon or discount price. Watch for RED to find freebies!

- – Holiday Specials – -

Hershey’s Snack Size or Mars Fun Size Mix (30-41 ct), 2/$8.00
$1/3 M&Ms, Mars Minis or Mars Fun Size Bagged Candy Target printable
$2/2 Select Hershey’s, Reese’s or York Bags, exp. 3-14 (SS 01/31/10)
As low as $3.00 each after coupon

Valentine’s Day Candy Hearts (17 -24 oz), $0.99
Includes: M&M and Select Others

Valentine’s Day Cards, $0.99-$7.99

Valentine’s Day Tray Packs, $2.79
Includes: Hello Kitty, Spongebob, & More

Willy Wonka Fun Dip (12 oz), M&M Minis (12 oz), or Select Others, 2/$6.00
$1/3 M&Ms, Mars Minis or Mars Fun Size Bagged Candy Target printable
$1/2 Wonka Valentine Candy Target printable
As low as $2.50 each after coupon

- – Gift Card Deals – -

Apple 16 GB iPod Nano, $175.00
Get a $10 Target gift card with purchase
Quantities limited. No rain checks.
$165.00 each after gift card

Apple 2GB iPod Shuffle, $55.00
Get a $5 Target gift card with purchase
Quantities limited. No rain checks.
$50.00 each after gift card

Apple 8GB iPod Touch, $195.00
Get a $15 Target gift card with purchase
Quantities limited. No rain checks.
$180.00 each after gift card

Gillette Fusion Manual or Venus Embrace Razor (1 pk), $6.99
Get a $5 Target gift card with purchase of 2 Gillette products listed
Quantities limited. No rain checks.
$4/1 Gillette Fusion Razor, exp. 3-31-10 (P&G 02/07/10)
FREE Olay Body Wash wyb select Razor, exp. 3-31-10 (P&G 02/07/10)
As low as $0.49 each plus free body wash wyb 2 after coupon & gift card

Healthy Choice Frozen Meals or Fresh Mixers, $2.50
Get a $5 Target gift card with purchase of 10 Healthy Choice meals
Quantities limited. No rain checks.
$1/1 Healthy Choice Fresh Mixers printable or printable
$1/2 Healthy Choice Fresh Mixers printable
$1/2 Healthy Choice Frozen Entree printable
$5/5 Healthy Choice Frozen Meals printable
$1/2 Healthy Choice All Natural Entrees, exp. 5-30-10 (ConAgra)
$1/1 Healthy Choice Cafe Steamers, exp. 5-30-10 (ConAgra)
$1/2 Healthy Choice Complete Meals, exp. 5-30-10 (ConAgra)
$1/1 Healthy Choice Fresh Mixers, exp. 2-28-10 (All You Magazine Oct ‘09)
$1/2 Healthy Choice Fresh Mixers, exp. 5-30-10 (ConAgra)
$1/2 Healthy Choice Fresh Mixers, exp. 2-28-10 (SS #2 1/3/10)
$2/1 Healthy Choice Fresh Mixers, exp. 2-28-10 (SS #2 1/3/10)
$1/2 Healthy Choice Frozen Meals, exp. 2-28-10 (SS #2 1/3/10)
$1/2 Healthy Choice Microwaveable Soup, exp. 5-30-10 (ConAgra)
$1/2 Healthy Choice Select Entrees, exp. 5-30-10 (ConAgra)
As low as FREE wyb 10 after coupon & gift card

KitchenAid Mixer or Pro 450 Mixer, $249.99
Get a $25 Target gift card with purchase of either product listed
Quantities limited. No rain checks.
$224.99 each after gift card

Quaker Cereals (16 oz), Squares (10 pk), & Select Others, $2.75
Get a $5 Target gift card with purchase of 5 participating Quakers products
Quantities limited. No rain checks. Also includes Quaker chewy bars or bites ($2.34)
$1/2 Quaker Granola Bars printable
$1/1 Quaker Instant, Quick or Old Fashioned Oats printable
$1/1 Quaker Oatmeal printable (IE) or printable (FF)
$1/1 Quaker Oats or Instant Oatmeal printable
$0.55/1 Quaker Chewy Granola Bars, exp. 2-13-10 (RP #2 1/3/10)
$1/2 Select Quaker Chewy Granola Bars, exp. 3-31 (RP 1/24/10)
$1/1 Quaker Instant Oatmeal, exp. 3-31-10 (RP 02/07/10)
$1/2 Quaker Oatmeal To Go Breakfast Bars, exp. 3-31-10 (RP 01/24/10)
$0.55/1 Quaker Oatmeal To Go Breakfast Bars, exp. 3-31 (RP 1/24/10)
$0.50/1 Quaker Old Fashioned or Quick Oats, exp. 3-31-10 (RP 02/07/10)
As low as $0.75 each wyb 5 after coupon & gift card

- – Meat & Seafood – -

Alaskan Salmon Fillet (9 oz), $5.99

Hillshire Farm Deli Select Lunchmeat (8-9 oz), $2.99
$0.35/1 Hillshire Farm Deli Select Ultra Thin Lunchmeats or Hearty Slices Lunchmeats, exp. 2-13-10 (RP 01/10/10)
$2.64 each after coupon

Sutton & Dodge Boneless Rib Eye or New York Strip Steak, $6.99/lb

- – Produce – -

Fresh Asparagus, $1.99/lb

Market Pantry Russet Potatoes (5 lb bag), $1.99

- – Bread & Bakery – -

Archer Farms Simply Balanced Bread (24 oz), $2.00
$1/1 Archer Farms Simply Balanced Bread Target printable
$1.00 each after coupon

- – Dairy & Refrigerated – -

Yoplait Yogurt Cups (6 oz), 10/$5.00
$1/8 Yoplait Yogurt Cups printable (IE) or printable (FF)
$0.50/6 Yoplait Yogurt Cups printable (Target mfr.) & printable
$0.50/8 Yoplait Yogurt Cups (GM 1/3/10)
$0.40/6 Yoplait Yogurt Cups or Smoothies, exp. 4-3-10 (GM 02/07/10)
As low as $0.38 each after coupon

- – Pantry – -

Archer Farms Blue Corn Chips or Salsa, 2/$4.00

Archer Farms Select Food & Drinks, 15% Off
$1/1 Archer Farms Simply Balanced Frozen Food Target printable
$1 off Archer Farms Simply Balanced Pasta AND Sauce Target printable
$1/2 Archer Farms Simply Balanced Tortillas Target printable
Final price varies after coupon

Pepperidge Farm Gold Fish (66 oz), $1.66
$1/1 Pepperidge Farm Baked Naturals Snacks, exp. 3-14-10 (SS 01/17/10)
$0.66 each after coupon

Progresso Soup (1525 oz), $1.40
$1/3 Progresso Soup printable, printable, & printable
$1.10/3 Progresso Soup printable, printable, printable, & printable (Target mfr.)
$0.25/1 Progresso Light Soup, exp. 4-3-10 (GM 02/07/10)
$1/4 Progresso Soup, exp. 4-3-10 (GM 02/07/10)
$0.50/2 Progresso Soup, exp. 3-13-10 (SS 01/17/10)
$1/4 Progresso Soup, exp. 3-13-10 (SS 01/17/10)
$1/4 Progresso Soup, exp. 2-27-10 (GM 1/3/10)
$0.50/2 Progresso Soup, exp. 2-27-10 (GM 1/3/10)
As low as $1.03 each after coupon

- – Health & Beauty – -

Charmin Mega Roll Bath Tissue (16 pk), $14.99
$0.25/1 Charmin Product, exp. 3-31-10 (P&G 02/07/10)
$14.74 each after coupon

Fiber Choice Strawberry Tablets (90 ct) or Citrucel (30 oz), $9.99
$2/1 Citrucel Product printable
$2.50/1 Citrucel With SmartFiber Product printableprintable
$3/1 FiberChoice Fiber Supplements printable
$3/1 FiberChoice Weight Management printable
$3/1 Citrucel Bulk Fiber Therapy Product, exp. 3-31-10 (RP 01/10/10)
As low as $6.99 each after coupon

Irish Spring Bars (12 pk) or Olay Body Wash (236 oz) or Bars (6 pk), $5.49
$0.50/1 Irish Spring Body Wash or Soap Pack, exp. 2-20 (SS 1/31/10)
$1/1 Olay Body Wash Bar or In-Shower Lotion, exp. 2-28 (P&G 1/17/10)
As low as $4.49 each after coupon

Kleenex Facial Tissue (10 pk, 110 ct), $8.99
$0.75/1 Kleenex Bundle Pack Tissue, exp. 2-15-10 (All You Magazine Nov ‘09)
$0.75/1 Kleenex Facial Tissue Bundle, exp. 3-31-10 (All You Magazine Mar ‘10)
$0.50/1 Kleenex Product, exp. 2-28-10 (SS 1/3/10)
$8.24 each after coupon

Neutrogena Deep Clean Gentle Scrub (42 oz), $4.99
$2/1 Neutrogena Product, exp. 2-17-10 (All You Magazine Dec ‘09)
$2.99 each after coupon

Old Spice Red Zone Deodorant (26-4 oz), $3.49
$1/1 Old Spice Deodorant or Body Wash, exp. 3-31-10 (P&G 02/07/10)
$1/2 Old Spice Deodorant or Body Wash, exp. 2-28-10 (P&G 12/27/09)
FREE Secret Flawless wyb (2) Old Spice Red Zone Deodorants, exp. 2-28-10 (P&G 12/27/09)
As low as $2.33 each after coupon

One A Day Vitacraves Gummies (50 ct), $6.99
$2/1 One A Day Product, exp. 3-31-10 (SS #2 1/3/10)
$4.99 each after coupon

Secret or Old Spice Deodorant, $3.99
$1/1 Old Spice Deodorant or Body Wash, exp. 3-31-10 (P&G 02/07/10)
$1/2 Old Spice Deodorant or Body Wash, exp. 2-28-10 (P&G 12/27/09)
$0.25/1 Secret Deodorant, exp. 2-28-10 (P&G 12/27/09)
$0.50/1 Secret Flawless, exp. 3-31-10 (P&G 01/17/10)
As low as $2.99 each after coupon

- – Household – -

Bounty Giant Roll Paper Towels (8 pk), $9.99
$0.25/1 Bounty Paper Towel or Napkins, exp. 3-31-10 (P&G 02/07/10)
$9.74 each after coupon

Clorox 2 Stain Fighter & Color Booster or Arm & Hammer Laundry Detergent (66 oz), $8.99
$1/2 Select Arm & Hammer Laundry Products printable
$1/1 Clorox 2 Stain Fighter & Color Booster, exp. 3-15 (SS 1/31/10)
As low as $7.99 each after coupon

Tide Products, $10.99
Includes: Stain Release duo pacs (34 ct) or liquid (68 oz) or detergent liquid (100 oz) or powder (63-80 load)
$0.35/1 Tide Detergent, exp. 2-28-10 (P&G 01/17/10)
$0.35/1 Tide Detergent, exp. 3-31-10 (P&G 02/07/10)
$1/1 Tide Stain Release, exp. 3-31-10 (P&G 02/07/10)
$3/1 Tide Stain Release Powder, Duo Pac or Liquid, exp. 2-28-10 (RP 01/10/10)
$1/1 Tide Stain Release Product, exp. 2-28-10 (RP 01/10/10)
FREE Tide Stain Release wyb Detergent, exp. 3-31-10 (P&G 02/07/10)
As low as $5.50 each after coupon

- – Pets – -

Iams MiniChunks Dog Food (175 lb), $17.79
$1/1 Iams Dry Dog or Dry Cat Food, exp. 3-31-10 (P&G 02/07/10)
$16.79 each after coupon

- – Beverages – -

Pepsi Soda Products (12 pk cans or 6 pk bottles), 3/$11.00
$0.50/2 Pepsi Products Target printable
$3.42 each after coupon

Welch’s Grape or Ocean Spray Cranberry Juice (64 oz), $2.99
$1/1 Welch’s 100% Grape or Juice Blends, exp. 5-31-10 (SS 02/07/10)
$1/1 Welch’s 100% Juice, exp. 5-31-10 (SS 02/07/10)
$1/1 Welch’s Light Grape Beverage, exp. 5-31-10 (SS 02/07/10)
$1.99 each after coupon

- – Miscellaneous – -

3M Filtrete Micro-Allergen Furnace Filter, $9.99
- – Rebate: $6.99 each after rebate
$6.99 each after rebate

GE Reveal 60-Watt Light Bulbs (1 pk), $5.49
$1/2 GE Reveal printable (IE) or printable (FF)
$1.50/1 GE Reveal Light Bulb Target printable

$3.49 each after manufacturer & store coupon

Orbitz Gum (3 pk), 2/$4.00
$1/1 Orbit Multipack printable
$1.00 each after coupon

Ziploc Bags (7-100 ct) or Containers (2-5 ct), 4/$9.00
$0.40/1 Ziploc Bags, exp. 3-6-10 (SS 01/10/10)
$1/2 Ziploc Bags, exp. 3-6-10 (SS 01/10/10)
As low as $1.75 each after coupon

Find more ways to Save Cents at the Stores by checking out the other store deals.

These Target deals are part of the Becentsable’s Grocery Gathering and contain an affiliate link. For more information on affiliates read my Disclaimer Policy.

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Becoming Centsible: Finding New Priorities

by Beth Montgomery on February 7, 2010 · 2 comments

in About, My Life

This entry is part 4 of 4 in the series Our Financial Journey.

Sigh… I never learn!  At least this time, I had the means to pay it off and began to do so.  It was this time that I met Scott.  As I said, he was just buying his house.  In fact, just about a month after I met him, he sat down to have a meeting regarding the colors inside his home.  His mom said to make sure he picked neutral colors, so someday his future wife could decorate however she wanted.  And that’s why I now live in a home that is completely beige from top to bottom, except the extraordinarily bold navy blue countertop in my master bathroom.

Scott stretched out his move in date and home building as long as possible, so he could continue to save, finally putting half down on the home.  About that time, Scott and I decided to get married.  When I moved in finally, we took  some money we had saved up to furnish the home, but couldn’t afford all I wanted.  I apparently still hadn’t learned my lesson, because I convinced Scott to get some items that were more extravagant than we could afford and suddenly I had another debt to pay.

We paid bills and made ends meet.   And then we got the shock of our lives.  After being told I’d never have kids, I found out I was pregnant.  I was excited.  I was scared.  More than anything, I’d always wanted to be a mom and there it was, on the horizon.  My life flipped upsidedown and my priorities changed.  I didn’t want to miss a minute of being a mom.  I wanted to be a stay-at-home mom. But, I knew that meant big changes in our lives, especially financially.

With a new goal in mind, my husband and I set up a plan to get out of debt before the baby arrived.  We started living on one income, using my income to get our heads above water.  I had to get creative with menus, grocery shopping, and looked at how we could cut our bills.  I found I loved frugal shopping way more than I loved spending money I didn’t have.  Together we worked towards our one goal and by the time our daughter joined our family in 2004, we only had our mortgage left to pay. It was enough.  We’d made it.

Of course, our budget is tight, living on one income in a two income world.  Of course we struggle, but living savvy and being frugal has allowed me to stay home while our three children grow.  I don’t have to miss a minute.  This is what is important to us and it’s our decision, so instead of complaining about our tight budget, we make it work.  We don’t buy anything if we don’t have the money.  We find a way to do without.  Because, other than our children, there’s nothing we can’t live without.

Now, we have set up plans for college, in case something should happen to Scott or I, and even retirement.  We have a plan and together, we’re working towards it without going into debt, because knowing how it feels without bills rolling in, we never want to go back there again.

This year, we have a new (less important and frivolous) financial goal.  We’d like to take an all-out vacation to Disney, before our oldest daughter starts Kindergarten.  Of course, we’ll still be frugal, but we’d like to splurge a bit to get the full experience, while they kids are young enough to still get chills at the sight of Mickey Mouse and would give anything for Ariel’s autograph.  We’d also not like to have to dip into our savings.

We’re pulling the purse strings tighter, eating from the pantry more often, eating out less often, and enjoying more nights together at home as a family.  We’ve talked to our children about our goal and sometimes have to remind them, when they are begging for a toy at the store or to go out to eat.  Luckily, they’re on board with us!  Especially, my 5 year old, who is marking the days off on her calendar. I wonder how long this “we’re saving our money for Disney” routine will work when they ask for something at the store?

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Free Hanes Socks Every Week

by Beth Montgomery on February 7, 2010 · 0 comments

in Freebies

Each week, Hanes is giving away free Hanes Sock packages to the first 100 entries for the Disney Cruise Line Magical Vacation.  Enter.  You could win a free 5-night stay on a Disney Cruise Line or snag some free socks if you’re quick.

Plus, sign up for your free copy of the Hanes Spring Apparel Catalog!

Offer ends March 31, 2010!

Thanks, Bargain Briana!

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Frugal Budget Saving Tips

by Beth Montgomery on February 7, 2010 · 2 comments

in Guest Blogger, Tips

The following guest posts was written by Rene at Budget Saving Mom.

Rene is the creator of Budget Saving Mom. She is a child of God, wife to a wonderful husband and mother to three great kids with another on the way. She blogs about deals, couponing and ways to live a healthy and organic budget saving life.

Since we all want to save money when we shop, I wanted to share some of my favorite budget saving tips when shopping.  Hope you enjoy!!

1. When you are shopping, look at the price per ounce. The price per ounce is listed on the sticker. I have found that at many stores larger containers of food are actually more expensive per ounce, which is the opposite of what I would expect.

2. When using coupons, often the best way to get an item free is to buy the smallest item possible.

3. To save the most money it is important to change the way some of us have viewed grocery shopping. What I do now is buy the items that are on sale that you know you will use and will last and stock up on those. After doing this for a few months, you should have bought most of the items that you usually purchase at rock bottom prices or free. This really does work. I never pay money for toothpaste, razors, deodorant, rice, sauces, spices, marinades or most personal care items. I also rarely pay more than $3-4 dollars for a pack of diapers and pull ups, but I have many packs for my daughters at home.

4. When I go out to eat, I almost always use coupons. I always ask my husband what type of food he wants.  This way I am more likely to be able to find a coupon, rather than looking for a specific restaurant. I also keep restaurant coupons in my coupon notebook to have on hand.

5. Start treating coupons like money. Bring them with you everywhere that you go so you are never forced to pay full price for an item again.  My middle daughter has a song that she sings when we are out shopping, “Coupons are like money”, with a little dance to go along with it. And you know what, she’s right. I view coupons as my form of currency, because it is how I pay for many items that I purchase.

6. Save up high value coupons for triple sales and super doubles if your store frequently has these.

7. It is often cheaper to buy items on sale with coupons from grocery stores that are typically more expensive and double or triple coupons than it is to buy the same item at a cheaper grocery store that does not double coupons.

8. If you are couponing, try to stick to your list. This way you won’t overpay for an item that will end up being on sale on a different week. I know that this is not always possible especially when you are starting out, but eventually you will be able to follow this tip.

9. If you have certain stores or products that you really like, you should follow then on Twitter or become a fan on Facebook. More and more companies are offering you freebies and discounts through them.

You will be surprised at how much money you can save by following these budget saving principles!

For more budget saving tips, visit Budget Saving Mom!

Note from Beth: These are wonderful tips.  So many shop and buy in bulk and end up paying so much more, but think they saved a ton.  Figure things down to the unit price to find out how much you are spending.  That will tell you if you are saving or just wasting money.  Plus, social media is all the rage now. Coupons via Twitter and Facebook are popular and usually high in value!

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Saving More Cents with Rebates

by Beth Montgomery on February 7, 2010 · 0 comments

in Getting Started, Rebates, Tips

Rebates can be so much work!  You have make the purchase, then you have to make sure you fill out the form just perfectly or it’s void.  Plus, you have to each and every bit of required proof from the UPC code to the original receipt.  Then you wait…

And wait…

And wait…

And about 6 or more weeks later (if you’re lucky), you finally see the money!

I’ll tell you a secret.  It’s all worth it.

Many don’t realize that rebates can be moneymakers if used correctly.  You see, rebates, unless otherwise stated, send you back your before coupon total if you total purchase price is over the rebate amount.  That means, if you buy something that you plan to submit a rebate on and you use a coupon, you’ll want to make some other purchases to get your over the rebate amount, to make sure you’ll get your full rebate.  If you just wait to the perfect time to use your rebate, they’ll pay you for buying their product.

So when do you use it?

When the product is free! It doesn’t matter how it’s free – after ECB or gift card, after coupon, or if you have a try me free coupons.  It’s free and you get money back – money maker!

Other great times to use your rebate are:

  • BOGO sales
  • When the product is cheap

Now, some rebate tips and tricks:

  • Read the fine print CAREFULLY! And follow all instructions.
  • If you’re doing more than one rebate at a time, make sure you separate the purchases. Many rebates require the original receipt, so if you have products on one receipt that qualify for multiple rebates, you’ll only be able to send it in to one.  You can also ask the cashier to print a second receipt at some stores.
  • Call the company, if your rebate doesn’t appear within the time limit.

So, with this in mind, here’s a few rebates to get you started.  Plus, check out previous rebate announcements to see what’s still available!

Thanks, Deal Seeking Mom and Lana for the rebate tips!

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Becoming Centsible: Sliding Downhill

by Beth Montgomery on February 6, 2010 · 0 comments

in About, My Life

This entry is part 3 of 4 in the series Our Financial Journey.

My sophomore and junior years flew by.  At the end of my junior year, my best friend and I were still living in the dorms, while all our friends were getting apartments near campus.  In envy, I made the worst decision and ruined my comfortable lifestyle.  We found our own apartment.  It was cheap, near campus, and not a horrible decision for a first apartment, but it wasn’t part of my agreement with my Grandparents.  The next year, bills piled up around us for utilities and rent.  We both worked hard, while going to school, to make ends meet.  And while we were doing fine, we didn’t have extra money to go out and have fun.  We sat home, eating Ramen noodles, each evening, while our friends shopped, went out to eat, and hit the town.

I stayed strong for a half of the year.  Then New Years and my birthday came, I decided I deserved a night out.  Just one night, and then, I’d go back to sitting home and being responsible.  I reached in and grabbed out one of the credit cards.  The one with the lowest available balance.  I was going to pay it off as soon as the bill came.

It was so easy.  Just a swipe and whatever I wanted was mine.  After that night, it got too easy.  I kept using the credit card, promising to pay it off as soon as I got the bill. But when that bill came, it was more than I had, but luckily there was a little note that said “minimum payment”.  It was so low, I was shocked.  I happily paid off the minimum payment and continued to shop, as the balance grew and grew, until I maxed out the credit card completely.

I wish I could say it made me realize and I smartened up, but I didn’t.  I just reached for the next credit card.   It got so bad, I kept thinking, it’s too late now, why stop?  I even bought a cell phone on credit and ran up a bill too high to pay.

The bills grew and I couldn’t even make the minimum payment.  And then, instead of bills rolling in, creditors started calling and I was hiding out, avoiding the phone.

I know so many people struggle at this point for so long, but I got lucky.  Just out of college, I got a job at a very small, new company and was making great money.  I went back to staying home and being responsible.  Though I hadn’t caught on to the full understanding of frugal living, I was good at living on little and actually enjoyed those Ramen noodles.  I consolidated my debt, made higher payments than necessary, and after a year, I had was paid off.

And then I bought a car on credit!

Stay tuned…

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Something’s Cookin’ Saturday: Barbecue Sauce

by Beth Montgomery on February 6, 2010 · 0 comments

in Cooking, Recipes

Barbecue Sauce

My husband is not a fan of barbecue sauce, but I love it.  So, our compromise?  Homemade barbcue sauce.  This recipe is from my stepmom who makes the most absolutely delicious homemade barbcue sauce. You can even mix it up to make it more you!

:: Ingredients ::

  • 4 cloves garlic, minced
  • 1/4 c. onion, finely chopped
  • 1/4 c ketchup
  • 1/4 c mustard
  • 1/4 c cider vinegar
  • 1/4 c water
  • 1/4 c honey
  • 1 T honey
  • 1 t. cayenne

:: Directions ::

  1. Combine ingredients in a small pan
  2. Mix while heating on the stove at medium high for about 5 minutes
  3. Serve hot or cold

:: Centsible Cooking Tips & More ::

  1. Be Centsible: Making foods from scratch is always centsible!
  2. Freezer Cooking: Just place in a freezer baggie to store for up to 3 months in your deep freezer.
  3. Spice It Up: Add hot sauce or hot peppers give this recipe a bit of a bite.

Get more cent saving recipes! Browse by ingredient or search.

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Financial Responsibility- Start Young

by Beth Montgomery on February 6, 2010 · 3 comments

in Guest Blogger, Kids, Tips

The following guest posts was written by Lori at Argyle & Apricots.

Lori Zimbardi writes at Argyle & Apricots and shares her journey of inspiring women and writing from redemption with humor and honesty. Lori works as a Care Coordinator at Sandals Church in Riverside, CA. She helps to transform the lives of those in the church and community that are in financial need.

It makes Good Cents to make the most of your money by using coupons and looking for great deals. It makes even better sense to teach our teenagers and young adults how to budget and make the best financial decisions possible. Are you making a conscious effort to lead your kids down the right financial path or are you teaching them bad habits that they will take with them into adulthood?

Our current economy has aided in the financial downfall of many families, but the drop could have been less painful for many if good financial decisions had been made even during the booming economy. Let’s give our children a leg up in life and teach them some simple principles for financial success:

Principle #1  Know That Debt Owns You

  • Debt creates anxiety and stress. Money is the #1 cause of anxiety and stress. Just imagine a life with out it!  Not the money, the stress.
  • Debt derails you from your calling. Yes, do what you have to do so you can do what you want to do but make sure that you will be set up to eventually do what you want to do.
  • Debt breaks apart families. Money is the #1 reason people divorce. Probably due to all of the anxiety and stress and working in a job you hate.
  • A good rule of thumb is: If you can’t pay cash, don’t buy it. Another good rule is: Think about setting a buying threshold. Any purchase over a certain amount requires input from your accountability group. An accountability group is friends that you trust, can be honest with and you will listen to when they tell you no. Yet another good rule: Get an accountability group.

Principle #2  Financial Decisions Should Follow a Set Process

Ask yourself these questions:

  • How does the financial decision align with your priorities? Does it mean that you now have to compromise elsewhere in life?
  • Does the financial decision allow you the margin that you are looking for? How much is left after the bills are paid?
  • Have you searched out guidance or input from others? What does your accountability group say about it? No group? Again, get one.
  • Do you understand the circumstances as they relate to your current financial situation? Can you really afford it without having to sacrifice something important? PS. Cable is not important. Read a book.

Principle #3  Set a Budget and Stick With It

  • Set a realistic budget. How much do you really have to spend?
  • Spend according to it. When it’s gone, it’s gone.
  • Reconcile it monthly. If you know what you have to spend and then subtract what’s left, if any, you’ve reconciled it. Deposit what is left in savings and begin again.

Imagine how much easier our kid’s lives will be if they are well equipped to make smart financial decisions. I certainly wish someone had spent the time to invest in me when I was young. Wow, I would have done things a lot differently.

Note from Beth: Lori has some wonderful ideas and points to get you financially on track and share with show your children how to start out on the right food and keep on the right foot!  I think it’s so important to teach children young, so I often in involve my children in coupon cutting, grocery trip planning, and all that.  But we also involved them this year in a big decision – a all-out family trip to Disney before Ady enters Kindergarten.  We explained our plan and that we were going to save for the trip by cutting back.  Now, when we head to the store and someone inevitably asks for something, it’s so cute to see the other one say, “No… we’re saving for Disney! Remember!”. I can’t wait to expand on these lessons as they grow, so hopefully they can avoid mistake I made long ago.

Share with me! How do you teach your kids about financial responsibility?

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Dockers Free Pants on Game Day

by Beth Montgomery on February 6, 2010 · 6 comments

in Freebies, Special Days & Holidays

Dockers is giving away thousands of pants on Game Day!  Watch tomorrow, February 7, 2010, and then as soon as you see the “Men Without Pants” commercial, head to Dockers online and be among the first to register to win a free pair of Soft Khakis!

Thanks, Scott!

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