Reduce College Costs: Things to do in High School to Prepare for College

6 Things High School students can do that will crush the cost of college.

There are six things a teen can do in high school that will help to reduce the cost of a college education. We’ve done many of these with our 5 kids and they graduated college without any student loans!

How can a high schooler start to reduce college costs?

College is a monumental expense for parents and students alike. Who among us is prepared for paying out tens of thousands of dollars over a 4 or 5-year period? However, with any large expense, the more you and your child prepare, the more manageable the expense can be.

We have helped five of our own … Read more »

10 DIY Non-Scary Halloween Costumes that are Easy, Cheap & Fast

10 non-scary, cheap, family friendly halloween costumes.

We’ve got tons of ideas for non-scary Halloween costumes that are easy and cheap to make.

Have you thought about Halloween costumes for you or your kids yet? Does the cost of costumes scare the fun out of Halloween for your family?

Planning for Halloween Takes the Cost out of Costumes

Halloween will be here before you know it. And costume-loving families know that putting together a unique and inexpensive costume takes some planning and some time.

The earlier you start, the more complete and creative your outfit will be—plus you’ll have more time to find great deals.

We know it may sound strange, but … Read more »

Grocery Store Sales Cycles: How to Save a Ton Of Money Stocking up with Holiday and Monthly Deals

Grocery Store Sales Cycles - brown grocery bags stacked on the floor and counter full of sale items.

Knowing the Grocery Store Sales Cycles by month and for each holiday is a great way to save tons of money on food and to fill your pantry and freezer with bargain-priced groceries.

One of our best money-saving grocery strategies is to stock up on loss leaders around the holidays. Grocery stores drop the price of various food items each month and on each holiday to entice shoppers to come to their stores.  That’s the time we swoop in and pick up deals to last several months.

Every holiday brings an opportunity to find great bargains because most grocers put traditional foods … Read more »

College Savings: 10 Out-of-the Box Ways Cut the Cost of Education

College Savings. Out of the box Thinking. Cardboard box with a college mortar board and diploma flying out of it

Are you’re looking for college savings when trying to get a university education? This blog will give you plenty of out of the box and unconventional options for college savings.

If you take to heart just a few of these ideas it could save you $10,000 or more.

The college landscape is changing so rapidly that savings can be found in the most unusual places. Especially if you’re willing to research and question conventional thinking and dig a little deeper.

This is blog #5 in our College Savings Series. Scroll to the bottom of this page for links to the entire series.

College Prices … Read more »

Meal Planning: 6 Easy Steps to Make Tasty Menus and Save Time

Easy Meal Planning to make menus

Meal planning seems to be one of the trendiest things to be doing now. Whether you’re into weight training, catering to a specific lifestyle choice (vegan, keto, paleo, etc.), eating organic or just doing menu planning to save time—this will help you eat healthier for less.

Annette and Steve started meal-prepping more than 30 years ago to feed their growing family of seven. Annette has tried many different ways of doing meal planning and has fine-tuned it to be efficient and tasty.

What the Difference Between Meal Planning & Meal Prepping

TABLE OF CONTENTS

1 What the Difference Between Meal Planning & Meal … Read more »

FREE Coloring Pages for Adults Online: 25 Cool Printable Pages To Relax

A List of Free Coloring Pages for Adults that you can Print and download.

Are you looking for free coloring pages online for adults that you can work on at home? If so we’ll help you find these pages from 25 websites and companies listed below!

From mandalas to zentangles to really cool designs and animals we’ve found them all for you. Most are high-resolution .pdf files that you can download and print out in just minutes.

Even the most productive adults need some time to recharge and refresh. One way to do this is by unwinding with adult coloring pages. And the way to do it inexpensively is to find free online sources.

There are many … Read more »

A Grocery Budget Makeover? The Easy Way to Budget for Food

A Budget Makeover with Groceries is the fastest way to find cash to improve your finances.!

If you’re looking for a Grocery Budget Makeover – start by changing how you shop for groceries.

Because most of us go to the grocery store several times each week, making a few changes in how you shop is one of the fastest ways to rehab your finances.

How can I lower my grocery bill so I can get ahead on my budget?

TABLE OF CONTENTS

1 How can I lower my grocery bill so I can get ahead on my budget?2 Starting the Budget Makeover with Groceries3 Make a list of the meals you know how to cook4 … Read more »

21 Winning Tips for Job Searching After a Pandemic

How to Find a Job During a Pandemic

Are you trying to find a new job? Does your job search seem different than other times?

Hunting for a job in the midst of a worldwide pandemic and in life after it has changed significantly. In this article, we’ll help you understand what’s changed, what’s new, and what has stayed the same for job seekers.

Job Seeking During the Pandemic and Afterward

TABLE OF CONTENTS

1 Job Seeking During the Pandemic and Afterward2 How Job Hunting has Changed due to the Pandemic3 21 Tips to Help You Find A Great Job Now4 Pandemic Job Hunting Wrap-Up & Resources

No … Read more »

9 Easy Tips to Freeze Milk and How to Thaw it Safely

Tips to freeze and thaw milk

How can you save money on milk purchases? For years we’ve frozen milk that we bought on sale in our deep freezer, and then defrosted it when we were ready to use it. Freezing milk is not that hard to do if you follow our tips. Learn how we freeze and thaw milk safely and quickly.

TABLE OF CONTENTS

1 1. The Smart Way to Freeze A Gallon of Milk2 2. How Long Does It Take to Freeze a Gallon of Milk?3 3. Does Milk Go Bad as it Freezes?4 4. How Do You Thaw Frozen Milk?Read more »

22 Best Trusted Survey Apps: Earn Cash from your Phone

A girl holding a cell phone taking a survey.

Would you love to find the best mobile survey apps that could earn you money? We’ve done all the work for you by researching and testing them.

Do you enjoy sharing your opinion about things? Most of us do.

We’ve researched the 22 of the most popular survey apps that pay you for sharing your views.

The promise of making some money for answering questions might sound too good to be true. And there are some instances where it is.

It’s true that some survey companies might be less than ethical. But the list below only includes legitimate survey companies with good reviews.

These survey … Read more »

8 Fantastic Ways for Grandparents to Influence their Grandchildren

How grandparents Influence Grandchildren. So many Great ideas shared here!

We’re all about being realistic and frugal. In this article we’re looking for practical ways that grandparents can positively Influence their grandchildren – some of these ideas are amazing!

We asked our Facebook friends how they’ve seen Grandparents influence Grandchildren in a positive way. Our goal was to build a brainstormed list of ideas to encourage grandparents to be active participants in their grandchild’s life.

If your child’s grandparents (your in-laws or parents) could help your family with their financial and relational resources, what would you wish for?

This list is full … Read more »

Grade B Eggs – How to Save on Buying Eggs at the Grocery Store

3 Ways to buy Eggs at the Grocery Store for Maximum Savings! Learn what Grade B eggs are and how they can help you save money.

Do you know what Grade B Eggs are? And do you know how Grade B Eggs can save you money?

Eggs are a regular breakfast food in our house and millions of other homes across the country. But Egg prices go up and down on a regular basis and can sometimes rise as high as $7.00 a dozen. This can put a strain on the family’s food budget, especially if you like eggs.

How to save money with Grade B Eggs

How can a family enjoy a breakfast favorite without breaking their budget?

We’ve discovered a few ways to save on eggs that you … Read more »

115 Successful Dropouts from High School and College

College and Highschool Dropouts who became great successes!

You won’t believe some of the people on this list of successful high school and college dropouts.

Can dropouts from high school and college become successful contributors to society?

People like Bill Gates, Steve Jobs, Michael Dell, and MGM co-founder Marcus Lowe are prime examples of successful people. These are people who didn’t go to college or didn’t finish college.

Is education important? Yes, Of Course.

But is a formal education; public, private or parochial school, and college—are they critical to success. Yes . . . and No.

While researching the education chapter for our book The … Read more »

50+ Best Inexpensive Retirement Gift Ideas for Men & Women to Kick-Off The Golden Years

Best Retirement Gift Ideas #RetirementGifts

Do you need some retirement gift ideas? Are you looking for gift ideas that are cheap, fun or decadent?

We’ve collected some of the best-rated, inexpensive 5-star retirement gifts out there from Amazon,  Etsy, and other sources. We’ve found cheap, funny, touching and a few expensive highly-rated gift ideas for you to choose from.

The average cost of the gifts we have listed is around $30. Some are a little pricier, but if you get a group of people to pitch in, you can still stay around $30.

To give you lots of options to save money and to find personalized gifts, we’ve … Read more »

2022! Chick fil A’s Cow Appreciation Day: Dress Like A Cow & Get FREE Food

Cow Appreciation Day at Chick-fil-A Abbey & Joe Economides got a free meal.

Chick-fil-A has an annual Cow Appreciation Day – sometimes called  “Dress LIke a Cow Day” others call it “Chick-fil-a Day.” It occurred each year at the beginning of July. And it was celebrated by more than 1.8 million people.

But Covid changed all of that. Since 2020 Cow Appreciation day has been canceled. Each year we check with the Chick-Fil-A website and update this post.

2023 Cow Appreciation Day Has Been Canceled

Posted on ChickFilA.com in 2023:

Chick-fil-A® restaurants are not hosting Cow Appreciation Day this year, but the Cows are back in new and exciting ways. To learn more about … Read more »

Is Buying a Timeshare Really Worth It? Are They a Scam or a Good Investment?

Are timeshares worth it. How can you get out of a timeshare?

Are Timeshares Worth It? Are they a scam? Or are they a good investment?

Are you considering buying a vacation property? Or are you trying to get out of a fractional ownership property that you either no longer use or can no longer afford?

We’ve experienced the buying, using, and trading of timeshares for more than 25 years. Although we’ve never been an owner, we’ve observed a master vacationer—Annette’s dad Syl.

Over the past 25 years, he has accumulated 6 different timeshares. He owns actual weeks at properties and timeshare points. We’ve worked with him, trading, banking, and negotiating for alternative weeks at … Read more »

Want to have fun around the Dinner Table? Try these 11 Different Ideas!

Around the dinner table: Making Eating Together Fun. A family making pizzas for dinner together.

If you want to make eating together as a family fun, you’ll love some of the things we do around the dinner table.

The family dinner hour is going the way of the dinosaur and black & white movies. But is the desire to eat meals together an old-fashioned, outdated notion? And with today’s faster-paced, non-relational lifestyle is it even possible?

Eating meals together is a mainstay of a cohesive family unit. Without this time of connection, you could end up with a group of disconnected people just living under the same roof.

Many families aren’t able to do a sit-down family dinner … Read more »

Great Fathers Day Ideas: Serving & Teaching Your Kids to Work

Fathers Day building memories and things with your kids

The typical Father’s Day celebration is to wait on Dad, hand, and foot, hand him the remote control, and let him do whatever he wants for the entire day.

Try a Different Kind of Father’s Day

TABLE OF CONTENTS

1 Try a Different Kind of Father’s Day2 Ideas That Turn Work into Play3 Best Gifts Ideas for This Father’s Day4 Learning to Do Home Repairs5 Tools that Steve Likes

This Father’s day we’d like to encourage Dads everywhere to have a different idea or outlook on the day. We’re challenging you to make it a day when you … Read more »

How Does A Budget Work Like a Dam to Protect You Financially?

Hoover Dam provides water to millions of people. We explain how our dam budget helps us survive dry times.

Did you ever ask yourself, “How does a budget work?” Do you like the word “Budget?”

We often hear people refer to budgets in negative terms. Words that imply pain or restriction or deprivation. 

We have a different view of the way budgets work.

We look at a household budget as a positive thing.

It’s a tool that preserves our money and lets us enjoy life and the things we have.  We think a budget is very similar to a dam on a lake. Keep reading and find out why.

A BUDGET Like a Dam?

TABLE OF CONTENTS

1 A BUDGET Like a Dam?2 … Read more »

Cute Valentines Day Date Ideas That Are Inexpensive & Fun

Creative Valentines Date Ideas Couple standing in front of Love statue kissing.

Are you looking for some cute Valentine’s Day Date Ideas that don’t cost a lot of money? We love the idea of celebrating Valentine’s Day and those precious relationships that you have in your life. But we look at Valentine Recreation a little differently . . . are you surprised?

Valentine’s Day falls on a different day each year, but it’s a good time to get your husband to do something more romantic . . . especially after watching the Super Bowl last week.

Valentine Recreation with Thought

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1 Valentine Recreation with Thought2 Concerts3 Inexpensive Eating Out … Read more »

Dressing Up for the Holidays for Less: Holiday Party Outfits Savings

3 sparkly holiday blouses—red, silver and green, hanging on hangers.

Holiday party outfits can be expensive, and everyone wants to look fantastic for the holidays. How can you get a great Holiday look without spending a fortune of money? We’ll share how you can dress up for the holidays with a minimal cash outlay, and look fabulous in the process.

Reader Question About Holiday Clothing Expenses

I know that I’ll be invited to several holiday parties this season and will need to get dressed up. And there isn’t money for new clothes right now. But I want to look good, and not put a balance on my credit card. What should I … Read more »

Is Swagbucks Legit, or is it a Scam? Our Review [Earnings Reveal]

Is Swagbucks Legit? It is a survey company, search engine, shopping portal, movie previews, playing online games, and trivia contests online!, and something for everyone!

When we first heard about the Swagbucks website, we had to ask ourselves, “Is Swagbucks legit? Or is it a scam?”

We had tried some of the other survey sites and were really disappointed. So we started researching this site to find out.

A blogger friend mentioned how she earned hundreds of dollars in gift cards through Swagbucks. We really doubted the validity of her claim.

We Googled “Is Swagbucks Legit or a scam?” and found some very interesting blogs. Some people didn’t like this website, but others praised it. The positive reviews also claimed to have earned gift cards and cashback through … Read more »

Stores Open On Thanksgiving Day – Black Friday Shopping [2021]

Thanksgiving Day Shopping Stores open and closed.

Are you wondering whether your favorite stores are opened or closed on Thanksgiving Day and Black Friday? Check out the list below.

This year is going to be very different with some HUGE players taking a step back and staying closed on Thanksgiving Day. Walmart, Best Buy, Target and Kohl’s are among the most notable ones. But keep reading to see the entire list of 57 stores.

Another big change has been the stores releasing Black Friday pricing and starting sales as early as Halloween.

There are deals to be found, they may not only be on the Friday after Thanksgiving.

List of Stores … Read more »

When Stores File Bankruptcy What Happens to Gift Card Values?

Walmart Gift Card Display In Store.

Have you ever been given a gift card, and held onto it too long? When you went to use it, you found the company had shut down?

What Happens to Gift Cards When a Store Files for Bankruptcy?

TABLE OF CONTENTS

1 What Happens to Gift Cards When a Store Files for Bankruptcy?2 Be Informed About Companies that Are in Bankruptcy or Closed3 Stores that closed locations or went out of business in 2020 & 20214 Do You Remember These Stores that Closed in 2008?

When a store or restaurant files bankruptcy via a Chapter 11 filing, the business … Read more »