Leftover Easter Candy? Make Smore’s With It!

easter smores 2

I found an entire bag of Easter candy in the pantry that I must of hid from the girls after Easter. With my older 2 now having slightly higher insulin levels, I have been cutting sugar out of their diet everywhere I can – so I hid candy, sue me! With that being said I do allow them special treats every once in awhile, all in moderation!

Anyways I decided to treat the girls after dinner last night with a smore’s made with the left over Easter candy I found! No sense in wasting it! So here is what I used to make our smore’s!

easter smores

Ingredients:

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Add your chocolate and marshmallow to your graham cracker

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Place the smore’s on a plate and pop in the microwave for about 30 seconds. If you can roast your marshmallows then go for it, but we couldn’t in the rain!

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Add your top to the other side and smooch together! Pretty simple and a lot of fun for the kiddos to watch the Peep balloon up in the microwave!

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FREE Summer Bowling at KidsBowlFree.com

kidsbowlfree_logo

Visit KidsBowlFREE.com and grab two FREE games of bowling per week for kids 15 and under. (Shoe rental not included, but they’re worth paying for.)

  •  FREE bowling times will vary by location, my local facility is different each day and is Monday thru Friday
  • Parents go here to select a participating center and complete a simple registration form
  • FREE game coupons emailed every week starting May 31-August 14 at our local facility- check your participating location for dates

Summer Pass: Great Deal for Everyone 16 and Over

2 FREE games, per week for up to four people ages 16 and up (shoe rental not included).

One $29.95 Summer Pass is good for 2 games per week for up to four people all summer long – you can add this at any time, but is not required to participate in the kids bowl free event.

Follow them on Facebook here or Twitter here

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FREE Printable: Disney Tomorrowland Activity Sheets

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We get to check out the new Disney movie, Tomorrowland this evening and my girls are so excited! This movie looks amazing and very interesting!

From Disney comes two-time Oscar® winner Brad Bird’s “Tomorrowland,” a riveting mystery adventure starring Academy Award® winner George Clooney. Bound by a shared destiny, former boy-genius Frank (Clooney), jaded by disillusionment, and Casey (Britt Robertson), a bright, optimistic teen bursting with scientific curiosity, embark on a danger-filled mission to unearth the secrets of an enigmatic place somewhere in time and space known only as “Tomorrowland.” What they must do there changes the world—and them—forever.

Featuring a screenplay by “Lost” writer and co-creator Damon Lindelof and Brad Bird, from a story by Lindelof & Bird & Jeff Jensen, “Tomorrowland” promises to take audiences on a thrill ride of nonstop adventures through new dimensions that have only been dreamed of.

The film also stars Hugh Laurie as brilliant scientist David Nix, Raffey Cassidy, Tim McGraw, Kathryn Hahn, Keegan-Michael Key and Thomas Robinson.

“Tomorrowland” is produced by Damon Lindelof, Brad Bird and Jeffrey Chernov and directed by Brad Bird, with John Walker, Bernard Bellew, Jeff Jensen and Brigham Taylor serving as executive producers. “Tomorrowland” opens in U.S. theaters on May 22, 2015.

Like TOMORROWLAND on Facebook

Follow Disney Pictures on Twitter

Visit the official TOMORROWLAND website

Print your activity sheets below to enjoy the movie before it hits theaters this Friday May 22, 2015- Tomorrowland is rated PG! Click each image blow to print your copies!

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Running time:                130 min.

Cast:                  George Clooney, Hugh Laurie, Britt Robertson, Raffey Cassidy, Tim McGraw, Kathryn Hahn, Keegan-Michael Key, Thomas Robinson

Director:                       Brad Bird

Producers:                                Damon Lindelof, Brad Bird, Jeffrey Chernov

Executive Producers:     John Walker, Bernard Bellew, Jeff Jensen, Brigham Taylor

Story by:                                   Damon Lindelof & Brad Bird & Jeff Jensen

Screenplay by:                          Damon Lindelof and Brad Bird

 

STORY SYNOPSIS:

From Disney comes two-time Oscar® winner Brad Bird’s riveting, mystery adventure “Tomorrowland,” starring Academy Award® winner George Clooney. Bound by a shared destiny, former boy-genius Frank (Clooney), jaded by disillusionment, and Casey (Britt Robertson), a bright, optimistic teen bursting with scientific curiosity, embark on a danger-filled mission to unearth the secrets of an enigmatic place somewhere in time and space known only as “Tomorrowland.” What they must do there changes the world—and them—forever.

Featuring a screenplay by “Lost” writer and co-creator Damon Lindelof and Brad Bird, from a story by Lindelof & Bird & Jeff Jensen, “Tomorrowland” promises to take audiences on a thrill ride of nonstop adventures through new dimensions that have only been dreamed of.

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Frugal Travel: Make Your Own Crayon Box

Travel Crayon Container

We are heading to Cedar Point this weekend and traveling with 4 kiddos can sometimes be a complete joy, others not so much! So I like to prepare and one thing I do is make things to keep them busy! My girls love to color and make great mater pieces so crayons are a must have in the car.

But your typical crayon box gets demolished in one trip, so I like to find alternatives to keeping our crayons together and not on my van floor! Plus finding new ways to reuse things we would typically throw in the trash, makes us extra happy to recycle!

This is what you will need:

That’s about it! Pretty simple project clean and add crayons! Great item to take with us in the car, at a restaurant or just anytime you need a crayon!!

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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!

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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!

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Create Art Supply Storage with Old Canisters

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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!

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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!

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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!

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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!

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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!

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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.

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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.

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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:

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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?

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