How To Store Green Onions

Storing Green OnionsEver wondered how you can keep those green onions without going bad? Check out here how to do just that, from It’s A Fabulous Life!

Have something you want to share with our readers? Check here to see how you can share!

This post may contain a link from a sponsor/affiliate of Just Trying To Save Money. Please see my Disclosure Policy

Looking for more coupons? Check our Coupon Database for the latest coupons!

Just Trying To Save Money

Plant Your Romaine Lettuce Scraps To Re-Grow New Veggies!

 

Regrowing Romaine LettuceUsing your kitchen scraps to re-grow new veggies is something we love to do! So much fun with the kiddos to see how it re-grows right before your eyes! Check out here how to make your own from It’s A Fabulous Life!

Have something you want to share with our readers? Check here to see how you can share!

This post may contain a link from a sponsor/affiliate of Just Trying To Save Money. Please see my Disclosure Policy

Looking for more coupons? Check our Coupon Database for the latest coupons!

Just Trying To Save Money

Create Art Supply Storage with Old Canisters

092

We have decorated old canisters several times but they have never looked this cute! Check out Savvy Suburban Mama and how she redid old canisters to add art supply storage for the kiddos!

Have something you want to share with our readers? Check here to see how you can share!

This post may contain a link from a sponsor/affiliate of Just Trying To Save Money. Please see my Disclosure Policy

Looking for more coupons? Check our Coupon Database for the latest coupons!

Just Trying To Save Money

Frugal DIY: How To Add Lighting To Your Home

home lighting makeovers

Lighting is everything! Adding lighting to certain areas of your home can make all the difference when decorating! Check out how Captain Fussybuckets adds lighting to 2 areas of her home!

Have something you want to share with our readers? Check here to see how you can share!

This post may contain a link from a sponsor/affiliate of Just Trying To Save Money. Please see my Disclosure Policy

Looking for more coupons? Check our Coupon Database for the latest coupons!

Just Trying To Save Money

Plant Your Celery Scraps To Re-Grow New Stalks!

regrow your veggies how to replant your kitchen scraps

Using your kitchen scraps to re-grow new veggies is something we love to do! So much fun with the kiddos to see how it re-grows right before your eyes! Check out here how to make your own from It’s A Fabulous Life!

Have something you want to share with our readers? Check here to see how you can share!

This post may contain a link from a sponsor/affiliate of Just Trying To Save Money. Please see my Disclosure Policy

Looking for more coupons? Check our Coupon Database for the latest coupons!

Just Trying To Save Money

Repurpose Pringles Can as Boot Shaper!

Repurpose Pringles Cans for Boot Shaper

Looking to keep those winter boots in good shape until the next time you want to wear them? Check out how Mission to Save keeps the shape of her boots looking great with Pringle cans!

Have something you want to share with our readers? Check here to see how you can share!

This post may contain a link from a sponsor/affiliate of Just Trying To Save Money. Please see my Disclosure Policy

Looking for more coupons? Check our Coupon Database for the latest coupons!

Just Trying To Save Money

Paying for College: Use a Home Equity Line of Credit for College Tuition

Ways to Pay for College Tuition: Home Equity Line of Credit

With the rising costs of college tuition, you’re probably wondering how you can help your children pay for school. Even if you’ve been saving since they were young, you may not have enough put away to cover all their expenses. You can seek additional funding by having your children apply for available scholarship and grant opportunities as well as federal and private loans. However, if this isn’t enough to cover everything, including room and board, tuition, books and travel costs – there may be another option to make up the difference.

Cover the gaps by paying for college with a home equity loan or line of credit

After you’ve explored typical college financial aid opportunities through the free application for federal student aid (FAFSA) and private loans, consider a home equity line of credit (HELOC) or loan to cover expenses beyond college tuition.

  • Home Equity Line of Credit: A HELOC borrows against your home’s equity. With a HELOC you can borrow only what you need when you need it during a set period of time (the draw period). This option allows you to borrow in periodic amounts that may be easier for you to pay back throughout the draw period or after, which may coincide with your children’s graduation. HELOCs are not only helpful when paying for college; they can also be used for those extra expenses you may not have budgeted for. Keep in mind home equity lines of credit have an adjustable rate, which fluctuates with the prime rate.  If you’re concerned about fluctuating loan rates, consider a Capped-Rate HELOC, which has rates that fluctuate, but will not exceed a fixed rate.
  • Home Equity Loans: These loans, sometimes called second mortgages, also borrow against the equity you have built up in your home but have a fixed interest rate and are usually tax deductible so it’s a great option for parents. However, you should be cautious when taking out a second mortgage to pay for college tuition and expenses as you are putting your home up as collateral.

Apply for a home equity line of credit when paying for college

Once your children have begun applying to colleges, apply for a home equity line of credit. You can draw from the HELOC while they are in school for as much as you need to cover college tuition. Plus, since it’s a revolving line of credit, you can borrow, pay it back and borrow again as needed within the draw period.  This option might be particularly attractive if you have more than one college-bound child.  Talk to your local banker to determine which option is right for you.

Sponsored content was created and provided by RBS Citizens Financial Group. My opinions is 100% my own!

This post may contain a link from a sponsor/affiliate of Just Trying To Save Money. Please see my Disclosure Policy

Looking for more coupons? Check our Coupon Database for the latest coupons!

Just Trying To Save Money

Refinance Options: Does It Make Sense to Refinance Your Mortgage

Weighing Your Refinance Options: Should You Refinance Your Mortgage?

If you’re starting to struggle with paying your mortgage, refinancing may be a way to bring your payments within reach. Refinancing your mortgage means taking out a new loan which satisfies your old one. It leaves you with a new mortgage contract, with a new set of terms and payments that can better fit your current situation.

Whether or not you should explore your refinance options depends on many things, including how long you will be in your home and your personal finances. Before you set out to refinance your home, be sure to work with your lender and do the math to confirm this approach will be in your financial favor.

How long you plan to stay in the house can affect your decision to refinance

Before you decide to refinance your home, you need to make sure you’ll be staying in the home long enough to make the numbers work. Closing costs on a refinance can be significant, so you need to live in the home long enough that each month’s savings helps you recoup those costs. In other words, paying $4,000 in closing costs to lower your payment by $300 per month means you need to live in the house for at least 14 months before you break even – and even longer to start realizing savings. If you move before that, you actually cost yourself more money by refinancing your mortgage.

Your personal financial situation can affect refinance options

Your refinance options may be affected by your current credit score and outstanding debt. If your credit is strong, and you do not have a large amount of outstanding debt, you may be able to obtain a better rate on your refinance. The loan-to-value limits on your property may also affect your refinance, as you may need to have paid off a certain percentage of your mortgage before you can refinance your home.  You may also choose to use a refinance to consolidate debt for better interest rates and more manageable payments.

When refinancing may be right for you

There are at least three common reasons that homeowners refinance, though your particular refinance needs may differ. Consider refinancing if:

  • You need to lower your monthly payments: This is probably the most popular reason to explore alternative refinance options. If you’re able to find a lower interest rate or refinance your remaining balance into a 25- or 30-year term, this can reduce the size of your mortgage payments. (Note that stretching your payments out by 25 or 30 years may make your monthly payment smaller, but ultimately you’ll pay more in interest over the life of the loan.)
  • Your adjustable-rate mortgage (ARM) is about to reset: ARMs offer low mortgage payments for the first three, five or seven years, but at the end of that period, the interest rate adjusts to current levels. It can increase or decrease. If it’s about to increase, refinancing into a lower, fixed-rate mortgage  can keep your payments from skyrocketing and provide the peace of mind of having predictable mortgage payments.
  • You’d like to pay off your home faster: Should you find yourself in a position to pay more toward your mortgage right now, you may be interested in expediting your payments so you can own your home free and clear. In this case, you may look into refinancing your mortgage into a shorter term with higher monthly payments. You’ll save money in interest and be paid in full sooner.

Deciding whether or not to refinance your home loan  is a decision only you can make after consulting with your lender. So, be sure you have a full understanding of the available interest rates and mortgage terms as well as the fees associated with refinancing before you proceed. Should you find that refinancing is a viable option, it can help you save thousands of dollars over the long-term. And, if now isn’t the right time, you can always reconsider this option a few years down the road.

Sponsored content was created and provided by RBS Citizens Financial Group. My opinion is 100% my own.

This post may contain a link from a sponsor/affiliate of Just Trying To Save Money. Please see my Disclosure Policy

Looking for more coupons? Check our Coupon Database for the latest coupons!

Just Trying To Save Money

Frugal Tip: Family Health Care Savings

 

FSA storeSearching for health care can get exhausting with all the options out there and the cost associated with coverage. You may be wondering what alternatives you have and may be surprised to find that you can save on health care. Through an employer-sponsored Flexible Spending Account (FSA) you can put aside tax-free money to cover qualified health expenses.

With a family of 5 we are always looking for additional ways to save when it comes to health care! Health insurance is expensive enough and finding discounts or savings elsewhere is something we are always trying to find! Finding a flexible spending account through FSA Store is just what we were looking for!

 

FSA store

Because the FSA is pre-tax not only do you save on FSA eligible products, but your FSA can let you shop for thousands of common health products including sunscreen, contact lens solution, band-aids, heat wraps and baby care.

During every FSA plan year, employers take money out of your paychecks based on how much you selected to put aside. Starting this year, you will be limited to $2,500 per person to put into your FSA.

FSAs are “use it or lose it,” so any money unspent gets forfeited when your plan year ends. Don’t worry! Some employers have a grace period –extension of FSA coverage – up to two and a half months. One big deadline ends on March 15.

FSA Store

use promo code BLOG5 at checkout to receive $5 off your order of $50 or more.

FSAstore.com is the only one-stop-shop selling thousands of FSA-eligible products. In addition, you can find a national provider database and a Learning Center that answers FSA-related questions. Save on FSA-eligible products throughout the year with FSA Store’s special offers. Check out FSA Store before the grace period ends on March 15.

This post was provided by FSA Store as a sponsored post. My opinion is 100% my own.

This post may contain a link from a sponsor/affiliate of Just Trying To Save Money. Please see my Disclosure Policy

Looking for more coupons? Check our Coupon Database for the latest coupons!

Just Trying To Save Money

Disney Vacationing on Budget 2013

This year we are heading to Disney again for Christmas 2013 and I can’t wait to head back down to Florida! But with any vacation, there comes planning, packing and more planning! I don’t claim to be an expert on any of this but from years of experience of traveling with little ones, we have learned our fair share of what works and what doesn’t- so I thought I would share!

Here are some tips that we use to help our family stay on budget while vacationing to Disney: (this list will continue to grow as I post new ideas!!)

Here are some other great Travel Tips that may come in handy while heading out on vacation:

This post may contain a link from a sponsor/affiliate of Just Trying To Save Money. Please see my Disclosure Policy

Looking for more coupons? Check our Coupon Database for the latest coupons!

Just Trying To Save Money

Disney Travel Tip: Let The Kids Eat FREE

Travel Series Logo

Even though our Disney vacation is 6 months away, I feel that it will be here before we know. I want to make sure we have everything covered well in advance and one thing that comes to mind with our 3 food monsters, is how to afford meals while  on vacation.

One thing we are planning to purchase this time around to Disney is a Orlando Family Pack Discount Card from Kids Eat FREE Card! If you have never heard of Kids Eat FREE Card, here is the run down:

  • Purchase 1 discount card per child ages 11 and under ($20 each)
  • Receive one FREE kids meal for each full price paying adult
  • To use present the card to the server or cashier at time of ordering
  • Valid at only participating restaurants- restaurants may be removed from accepting card offer without prior notice
  • Kids Eat Free Card cannot be used with any other discounts or offer
  • 2 children with 2 Kids Eat Free Cards, will need 2 full price paying adult entree’s
  • Kids Eat Free Card offers child’s menu items that may vary from standard restaurant’s child menu choices in some cases
  • Kids Eat Free Card Meals may not apply to taxes, gratuities, bar drinks or carry out food
  • Card is Non-Refundable and Non-Transferable
  • Card expires 90 Days from first use

I know the first question you are going to ask is, why spend $20 per child to get FREE kids meals when there are other ways to save, right? Well spending this additional cost will depend on a few things and may not be a good option for every family!

  • First, what is the age of your child? Our oldest will be 12 so she will not be able to use this card, but our 2 younger daughters will be 9 and 5 when we head to Disney. So knowing that we can get 2 kids meals for FREE every when we eat at our favorite fast food places for our 2 youngest will be well worth the $20.
  • Second, is your going to eat a whole kids meal? My girls have bottomless pits so eating a full meal will be no problem for them. But if you have a child that eats very little or is a very picky eater, it may be easier to just allow your child to eat a smaller portion of your meal rather than give them a whole kids meal- saving you the $20 bucks.
  • Next, are you planning to eat out more than 4 times? If you are planning to cook all your meals at your rental house or from your hotel some how, this is probably not something you will want to purchase. But if you are planning to eat most of your meals at local restaurants, fast food places or at Disney, then you may want to consider purchasing this card.
  • Last, will you really save with this card? So I did a quick estimate of how many times we will eat out while on vacation. We do plan to eat most breakfast and a few lunches at our rental home, but we will have most dinners out! So with just one child eating out at  a place like Cici’s Pizza, which is on their very long list of fast food locations, you will save $5 per child, per visit. So say during our 7 day visit, if we eat out more than 4 times, we are saving money on our youngest daughters meals. So this will depend on how many times you plan to eat out and how long you plan to stay if this card will be a great deal for your family!

This card may not be for everyone, but for us, knowing we will not pay but just $40 for 2 of our girls to eat for the week, is a huge savings for us! I will of course have my coupon book with me and we will have plenty of food to snack on and eat throughout the day, but saving while eating out will help us keep our Disney Vacation on Budget!

Check out other ways our family plans to save while on vacation in Disney!

What ways do you save while vacationing to Disney?

This post may contain a link from a sponsor/affiliate of Just Trying To Save Money. Please see my Disclosure Policy

Looking for more coupons? Check our Coupon Database for the latest coupons!

Just Trying To Save Money

Frugal Tip: Decorate Your Home on a Budget for the Holidays

Dollar Tree Budget Decorating 3

Hosting Christmas dinner can be quite expensive. By time you purchase all the gifts you need, the food and decorations you will have maxed out your holiday budget. But there are little things that you can do to help cut your out of pocket cost with simple swap outs and shopping at the Dollar Tree to snag some great savings!

dollar tree paper productsWhether you want to use paper products or washable dishes for your holiday dinner, shopping the Dollar Tree will help keep your budget on track! With their large selection of holiday paper products- cups, plates, napkins and silverware- you are sure to grab all the needed supplies. Using paper products can be great for the fact that you do not have to do any dishes after your party, just pitch all your products in the garbage!

Now if you would rather have nice dinner dishes and a more formal look for your holiday dinner, then don’t worry you can grab that as well! I found these super cute black round plates and cream and black coffee mugs to help freshen up my dinnerware. On the plus side, these are items I plan to use for our everyday use as well and paid only $1 each!

Dollar Tree Budget Decorating

Don’t forget to add a little splash of decorative flowers, tinsel or garland on just about anything to spice up your holiday decorations! It’s not about spending $40 or $50 on a new centerpiece or table runner to make your home look festive! Simply add a few touches that showcase on old piece to liven up any room!

Dollar Tree Budget Decorating 2

Also add a new picture frame to the table near the front door to make your entry way warm and inviting! Plus this gives you the opportunity to show off your family to visitors during the holiday season!

Dollar Tree Budget Decorating 6

What items have you purchased from the Dollar Tree to help keep your decorating costs down?

dollar_tree_logo

I received a gift card in order to conduct this post. My opinion is 100% my own.

This post may contain a link from a sponsor/affiliate of Just Trying To Save Money. Please see my Disclosure Policy

Looking for more coupons? Check our Coupon Database for the latest coupons!

Just Trying To Save Money

Ways To Save- Make Foaming Hand Soap

With 3 girls at home who love to wash their hands, we use a lot of hand soap. I do stock up on hand soap when it is on sale and I use a coupon of course and usually pay only about .40-.60 for each bottle- which is a great stockpile price.

But out of the blue our oldest daughter asked for foaming hand soap. Have you seen the price on these?!?! But after thinking that I could use regular hand soap to make foaming hand soap and make each bottle last longer, I went ahead and bought 4 foaming hand soap dispensers. (I did wait until they were on sale B1G1 FREE at CVS.)

So this is what you need…..
  • Liquid Hand Soap or Body Wash
  • Foaming Hand Soap Dispenser
  • Water

Add enough hand soap or body wash to fill the foaming hand soap dispenser about a fourth of the way full. Then add enough water to fill up leaving about 3/4 of an inch away from the top. Put the dispenser back on and shake it up!!

That is it, it is that simple!!

Now those .40-.60 bottles will last me 4 times the use, saving me and my family even more!!

This post may contain a link from a sponsor/affiliate of Just Trying To Save Money. Please see my Disclosure Policy

Looking for more coupons? Check our Coupon Database for the latest coupons!

Just Trying To Save Money