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We are the best technology blogs out their noted that users were left confused between all these various different models, makes and sizes of phones. After my post a couple weeks ago about how we paid off our house, I got lots of questions about how we budgeted and what we did to stretttttch a dolla, so I came up with this little list of a few ways we’ve found to save. Just a warning: I was browsing our old family photos today and getting sentimental and weepy, soooo this post gets lots of pictures of my kiddos. Andy was a teacher during the time we were intensely paying down debt, and on the first day of his summer vacation one year, he managed to save us $500 per year just by making a few phone calls. He used the Endorsed Local Provider (ELP) program through Dave Ramsey (which is free!) to compare our car and home insurance rates, and found that in just the couple of years it had been since we bought that insurance, rates had changed and by comparing rates with different companies through our ELP, we saved several hundred dollars per year. We paid cash with our change jar: We saved in advance for our vacations so the expenses never followed us home and lingered long after our tan lines faded. We buy in bulk: If the economy crashes and food is scarce, my family could probably live for months on just the food I have in my chest freezer. Coupon databases: For those grocery or food items that we eat regularly, I search coupon databases like this one.
Solar panels: I need to do a post on this, but we actually have solar panels on our roof which supplement our energy usage. Don’t forget to get in touch with your local ELP to see if you can knock some costs off your insurance!
This post was sponsored by Dave Ramsey’s ELP program, but all opinions are my own, as always!
Agree with Dave’s ELP program, we called about our insurance and knocked $400 off our homeowners per year for the same coverage! I just made my first batch last month using this recipe (it’s more trial size), and so far I love it! But I might be in the minority as I’m in a SINK household (as opposed to DINK) and couponing never worked for me. I usually try to look at our reoccurring expenses and see how to streamline them the most to keep things enjoyable but save money when we can. Some of your tips don’t apply here (health insurance, for instance) but a lot of them do ! I plan my menus a week in advance, make a list of what I need according to my menus and STICK TO THE LIST ! Also I cook most of what we eat : it is cheaper AND safer (no palm oil, no food preservatives, less fat, salt or sugar in home made food). Yep, we hired a company, and then as part of the price negotiations, we did some of the install part ourselves.
No doubt the hits on YouTube reviews for these phones must have also doubled at least from the trend experienced previously on such videos.
We were living on an all-cash budget, and when we paid for anything anywhere, we paid in dollar bills – never change. We like to eat the local food when we’re on vacation, but in airports and on road trips, we dined in style ala Jiffy and strawberry jam. We bought the freezer from a yard sale for about $50, and it has more than paid for itself by allowing me to buy in bulk when food is on sale. When a deal comes up, I can tell immediately whether it’s worth buying in large quantities or not. You can search for a certain brand or product and often just print the coupons directly from your computer. This is a hard one for me because I LOVE a good deal, but I try to ask myself: would I buy this if it was full price?
For impulse or unplanned purchases, we like to wait a while to see if we still want the thing, like a month or so. We estimate it’ll take us about five years to recoup that initial investment, and as an added bonus, if the power ever goes out, the solar panels provide enough energy to power our refrigerator and outdoor chest freezer and a few other essentials. BONUS: If your spouse is really into the idea of weather-proofing, it’s the perfect way to convince him you need to make new lined curtains!


When I first started feeding Weston solid foods, I spent HOURS in the kitchen pureeing all my own baby food.
It’s pretty easy to find gift cards to restaurants on ebay, so we like to stock up on our favorites.
We drink water one hundred percent of the time, unless we’re on a date and ordering drinks. Andy is basically a genius-of-all-trades and he can figure out just about anything, but even before I knew him, I learned how to change my own oil and brake pads so I wouldn’t have to pay someone else. I would say 2x a year you can call companies you regularly make payments to, and ask for a lower rate. It is amazing how little money you spend when you decide to never have fun or do anything, ever. I always try to love every new idea for at least 15 minutes and decided I was going to love couponing a couple of years ago. I have researched that to death and I was excited to get them to also have extra power for things in case the grid goes down, but what I discovered is that to get all the incentive programs here in CA you have to be hooked up to the power grid to sell back your solar in a give and take system.
I get basically how people do it, it just seems like so much work with collecting all the same coupons and planning the whole shopping trip out based on what’s on sale.
For a long time my hubby and I thought we were the only people in the world who knew who Dave Ramsey was and what a financial makeover is. Unless we get soap for free with purchase of the toilet paper we were gonna buy anyways (not sure why HEB pairs those but the frequently do), I make ours. I’m relatively new to couponing and we almost always save at least as much as we pay but getting things for pennies or free is the part that Im struggling to figure out how to do and I just KNOW if it were explained in the VATW way, i’d totally get it!
You inspired me to get our finances in order and I thoroughly enjoy poking around your site and following you on Instagram. You say a lot that you went to a cash policy, but how do you reconcile online purchases (like your Ebay post) and spending cash?
I try it and always forget or get really annoyed and tell myself my time is worth more than those few $. Yeah it sounds like forever-breastfeeding, but it’s really just about how you introduce solids. We just recently started using them because Kroger sends us awesome ones in the mail, but other than that I have 0% of an idea how to use coupons. Officially addicted now just wanted to say I would definitely read a couponing tips article if you wrote one!
I am a French reader who just discovered your blog (via Pinterest), and I looooooooove it !!
The company we used ended up being pretty awful, but we’re really happy with our panels. I always think I’m a frugal person, and then I read a list like this and it gives me so many more ideas for saving! This required no lifestyle change at all, just a couple hours to make a phone call and get in touch with an ELP. I am not exaggerating when I tell you that we went for several years in a row without spending a single red cent on toothpaste, shampoo, etc., because we got it all for free with coupons.
Right now I have about 10 whole organic chickens in my freezer because there was a special at the store… and no good ideas for what to do with them.
Last week I bought a large enough supply of toilet paper to last us through the entire apocalypse, or to completely toilet paper our whole neighborhood, which would be an inappropriate use of those resources.
I feel like all the starving children of the world are shaking their fingers at us, and rightly so.
When we have a big purchase coming up, like an appliance goes bad or something, we basically read the entire internet. Often we find it was just a temporary want and not a need, and we end up being glad we didn’t buy.
I wrote a whole post on everything you need to know about how to cloth diaper, how much it costs, how to wash them, etc.


Then I learned about baby-led weaning and realized I could (mostly) just feed him whatever we were eating.
I’ve gotten so used to drinking water with all my meals that it feels odd now to drink something with flavor.
Now that I have Andy, I’ve forgotten how to do anything and am basically a helpless damsel in distress who depends on him, but you know. Ok, exaggerating, but you get the idea We already do a lot of these, and I’m excited to add a few more to our money-saving ways. I tried it for a little while (managed to get about 20 cans of diced tomatoes for 13 cents each, then donated most of them to the food pantry), but I still don’t know how anyone gets things for free!
Dishwasher detergent, on the other hand, well, it could be our hard, hard water, but I failed miserably multiple times and we are back to buying-name brand no less because it’s all we can seem to get to work! A little expensive to get started (we spent $175 to jump-start a 8’x4′) but SOOOOO worth it! I had to smile because I totally felt intimidated by the thought of making homemade laundry soap.
By making that adjustment alone I figure I am saving roughly $200 a year and it is way less crowded than all of our super cute coffee shops.
I know where to get and print the coupons from but I don’t know much about stacking them or scoring items for free with them. I feel like everything changed between when I had my two kids (2 years apart) so I know that 10 year gap must’ve been crazy! I want to buy half a grass-fed cow and have someone else butcher it for me and then never buy beef again.
Since 99% of the shows we watch are available online we decided to save that $80+ each month. We like to calculate how much energy each thing will save and how long it will take to break even on the intial expense, and of course what I mean by that is that Andy likes to calculate it and I am happy to have no part in that process.
To be honest I’m hoping to sell our house, pay it all off [and then not buy another house]. And thank you for this post in particular… there are some tips on here that we are not already using! Why, in my day (as in a decade ago when I was having round one of kids) child led weaning just meant you nursed your seven year old if wanted you to. It’s kind of pathetic, and Don’t ever let your kids see you do this cause they just laugh and tease you about it for the rest of your life!
I did used to try to coupon too, but it was entirely too frustrating trying to fit in expiration dates, sales, multiple stores, etc. Google them, hardly ANY water needed (didn’t even notice spikes in my water bill during the hot months). Know of any places where you can load up online coupons besides your local grocer’s website?
You can get free magazines, coupons, b1g1 to local attractions like a zoo or bowling, etc by redeeming points. This avoids printing out a bunch of coupons that you never use, which wastes paper and toner.
But that in its self saves because we never spend more than $290 ($270 is our budget but we will steal up to $20 from eat out or gas when need be) and we don’t let ourselves go back until the next month.
I was able to get some free mags for xmas gifts, and indulge myself and then share with coworkers and friends when I’m done skimming them.
If we eat pancakes and eggs 3 nights in a row at the end of the month (hypothetical-can’t remember this happening), we do. This does mean we eat a lot more produce at the beginning of the month (we tried and failed to garden-we live in the desert) but we are just used to it now.



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