Friday, July 9, 2010

Loyalty pays!

You've heard me preach before about how instant gratification {and our insatiable quest for it} ruins our budgets time and time again. If something is that important to us, it is worth working for. If it's not worth working for obviously it wasn't that important to you in the first place. So waiting to make a purchase also forces you to really analyze whether or not you need that item. That's how it's been for me over the last 10 years with my cell phone. You also read all about my complaints about this very item in THIS POST. I know, reading 2 of these is time consuming but if you are not familiar with the cell phone post please read it first. It fully explained why I have kept this phone for so long. Now I am going to explain why I am getting a new one today. That's right. Write this day down, make a scrapbook page commemorating it, I am going to have texting capabilities! And it is all thanks to 2 people down at the Telus store. Justin and Amy were just fabulous. I walked in with my regular chip on my shoulder. My "Don't laugh or I won't buy anything" attitude. I just thought there was no way I could get a better package because of that all holy "billed by the second" thing. Well people, it's not easy to admit when you are wrong but sometimes it's necessary. I was wrong. Amy started out by showing me some phones that would suit my needs and how I could get them for free or at a discount and explaining the different packages. Justin was doing his thing on the computer and asked if he could interrupt us. Will it save me money? LOL But of course, interrupt! He suggested that since I had been with them for so long {the longest off contract he had seen} that I should give the Loyalty and Retention section a call to see if they could put together a better package for me. Wow. I've never actually had a salesperson tell me how to spend less money before. They sent me on my way and I hopped on the phone. It took a few hours of back and forth between Telus and Amy at the store because I kept bothering her to ask questions but eventually I was offered an amazing package just to sign another contract. So my other post still stands...don't rush to sign things just to satisfy that instant gratification. But when you are in a position to gain by signing, think it over, talk it over with the Hubs and weigh the pros and cons. The pros in this case far outweigh the cons of signing and losing my by-the-second billing. 200 anytime minutes, evenings and weekends free, unlimited texting, caller ID, voice mail and 75 free long distance minutes every month for only $25+tax. I can certainly handle that...since my regular monthly bill to date has been $30 and up depending on my usage.

So I wanted to give HUGE props to Justin and Amy with Telus. You guys ROCK! Thank-you for making my "new phone" experience a GREAT ONE! Even though there are fabulous new gadgets released all the time, it was so worth it to delay replacing my phone. I feel like I got an excellent deal and that I worked for it. Which makes it that much sweeter!

Friday, July 2, 2010

Mum, we're BOOOOOORED!

This Frugal Friday post is brought to you by the makers of Advil. Do you have a headache from your summer vacationers yet? LOL

Free summer fun! You know it's out there, you just have to go jump on it!

* Garage saling. Not free if you buy something but the kids will love the hunt. I give my kids each a toonie and they can buy whatever they want. Good family fun. And if you happen across something you have been looking for you can just add it to your frugal finds!

*Grab your public library schedule. Puppet shows, reading incentive programs, prizes, parties, etc. They all have summer programming and we can't wait!

*The Leisure Guide. Our local guide has all the free days for different attractions in the city. Mark them on your calendar and take advantage! Now to truly enjoy this, you have to make a day of it and plan ahead. Don't try to "quickly" zip over to the zoo on free family day, it won't be fun. Go early, pack a picnic, bring some little activities for the kids for potential line ups. It's worth it.

*The mall can have free things too! Ask at the info desk about special appearances of all your fave characters. Dora and Diego were the last ones we saw. Again, planning ahead and going early is a MUST. My girlfriend and I hauled our kids (all 7 of them) out at 8am for a 10:30am appearance. We packed a huge picnic breakfast for our crew and they coloured. A few people ended up ahead of us due to some VIP online contest thing {which we hadn't heard about} but we got in, snapped a few photos and were out in no time. The kids loved it!

*Speaking of online stuff...take advantage of websites! Google what to do in your area. Lots of community associations have fun day in the park.

*Speaking of parks...USE ONE! And not just the one close to your house. It is such an adventure to head out to a new playground/paddling pool/spray park. Go armed with your bug spray, sunscreen, snacks and water to make the day hassle free.

*Amp up your own backyard fun. Your computer isn't just for Facebook. Google recipes for different play dough {edible, yum!}, do a little pudding painting {on yourselves!}, do a scavenger hunt {complete ones are downloadable} or make some hats out of old flyers. It doesn't matter what you do...interacting with your children is priceless.

*Nature walk anyone? Check around for your local conservation area. Hike some trails, spot some birds, take some photos.

*Love history? Every city has some kind of historical society interested in passing on the stories of yesteryear. Some have an entire centre dedicated to it. Check it out! Take a walking tour and learn about the history of your very own hometown. You may learn things you never knew before.

*Stores can have free things too. During the summer, bookstores hold free readings for kids. Get a hold of their summer schedule!

*Got a science geek on your hands? I do! Get on that Google again...set up a science lab right at your kitchen table. Some food colouring, vinegar and baking soda will keep your little Einstein busy for hours. Great rainy day activity.

This really is just the tip of the iceberg! If you are in the Saskatoon area, check out the SaskMom website. They are AMAZING!!! Not everything they promote it free but there is such a wealth of info on that site. So much summer fun awaits and it doesn't have to break your budget. Plan for those special events that have a price tag...but just know that it doesn't have to be every day. "Mum, we're BOOOORED" shouldn't make your wallet cringe! Have a great one!

Thursday, July 1, 2010

Yes I AM!

Canada is 143 years young today so you had to know this was coming: {Don't forget to pause the music on the right}



Happy Canada Day!!!

Friday, June 25, 2010

Should I? Could I?

No ground breaking frugal news for you today...except maybe that I got $161.70 in free stuff from the cable company last week! Another reason to always, always keep track of your paperwork and it really does pay to make a phone call or 6. Basically what happened is they kept making the same mistake. Over. And over. And OVER again. I had to explain the situation like 14 times. To 7 different people. Always be polite but firm. If someone can't offer you a solution, ask for their manager. Yes, I was on hold forever. But how long would you stay on hold for $161.70? I was multitasking at the time...no skin off my nose so to speak!

Lots of people have been asking me questions, telling me all about their frugal conquests {which I love by the way...way to go on that water bill Barb!!!} and just generally taking interest in where their money goes. KUDOS TO YOU PEOPLE! It's our own business how we spend our money...but we need to be conscious of what we are doing. With our eyes wide open to the consequences. That's it. For every action there is an equal reaction. So my point this week is the reason I am all about the frugal-ness in my world is so that I will have the extra cash for those things that are important to me. Some might say that it is wasteful of me to spend the money I do on the 2 scrapbooking events I attend every year. But really, compare it to someone who buys coffee everyday. For the sake of easy math let's say they don't drink what I drink {which costs $4.79 and that's why I don't do it all the time! LOL} $3 per day times 5 days a week times 4 weeks a month times 12 months a year. $720. That amount covers most of my "scrap event budget" for the year. So I choose that over the coffee. I can't speak for everyone who does the frugal thing but in our world we live comfortably. I have been working on this for a few years now and don't really feel it as "a pinch" anymore. I just choose carefully where I want my fun money to go! I would rather lounge on a beach in Mexico every 2 years than buy new jeans every month. I'd rather drive a newer vehicle than go out for supper every week. {For a family of 4 that's almost $2000 a year extra at a cheapo restaurant-wow!}. And I would much rather hit every concert that comes to town than unconsciously twenty my money away. Budget binder {write everything down}. Save your receipts. Plan for those credit card purchases. When I buy concert tickets, I take the cash and put it in an envelope. Or any credit card purchase for that matter. Cash goes into an envelope, then when the bill is due it's right there. A fabulous example of how twenty-ing your money away can get you into trouble is when you travel with others. Camp Croppin' was a whale of a good time. Megan puts on one amazing event! Went with some fun gals and for the sake of convenience I put 2 registrations, all gas and hotel on my credit card. There were 4 of us, we drove 6 hours away and we stayed 2 nights so that can amount to a good chunk of change. At the end of the trip I tallied everything up, divided it and everyone paid their share. Now if I would have put it in my wallet and just twentied it away, that credit card total would have been very scary when the bill came. Well, it was already scary actually because the Hubs opened it before I did! LOL His eyes goggled out of his head like the Coyote when the Roadrunner runs right past his trap and he realizes that now HE is going to blow up. :0) Before he even blinked again I handed him the envelope of cash and asked him to deposit it the next day. He smiled {HUGE}, gave me a kiss and sent me out the door to my gym class. Now that situation could have gone a lot different. Could you imagine the stress if I had chosen to spend that money elsewhere and just closed my eyes to the bill coming in a few weeks? Chaos. So in a long winded, round about way my point is that being conscious of how you spend your money means you shouldn't have to live hand to mouth. It saves you grief and argument in the long run. Because life is far too short to be stressing about money right? I'd rather be at the spray park with the kids. Have a lovely summer weekend!

Friday, June 18, 2010

Frugal Dayz of Summer

Winding down...and down...and down!~ School is almost done! So what do we have coming down the line in the way of wallet busting activities? PRESENTS. The teacher, the lunch room lady, the Principal, the piano teacher, the coach, the list goes on and on. To gift or not to gift...that is the question. Gifting is a touchy subject...and I look at it like so: To me, a gift is like a tip. I gift for good service, good feelings, good times. If you are totally gelling with your teacher throughout the year, love the interaction between the coach and your kids, had a particularly warm and fuzzy feeling from the piano teacher you may choose to give them a gift at the end of the year. But hear this: It is NOT a requirement. There is nothing stated in the rules that says you must send your teachers on an all expense paid trip to Hawaii. Got it? {Sorry teachers, you know I love you!} There should be no feelings of "Keeping up with the Jones'" here. A gift from your family to a person who is helping to shape your little people should be personal. From the heart. Something that says "Thank-you so much for your valuable time." So here are a few things to stay within your budget but still tell them you care.

-Anything from your oven, complete with a handwritten recipe card is always a nice touch. And if you aren't the baking type, there is absolutely nothing wrong with calling in the professionals. If you are in the Sasaktoon area check out Cupcake Delight {insert shameless plug here} for an amazing way to show your teacher how sweet they are!

-Something from the craft table. A handmade card, mini album of some activities through the year, or a decorated, blank album that they can fill with their own photos would be a delightful, personal gift. If you are crafty, share the craftiness around!

-If you are very familiar with the person you wish to give a gift, a framed photo of your child or whole family may be appropriate. Decorate the frame yourself! But remember to keep it on the small side...an 8x10 glossy of your fam might look fabulous on your coffeetable but might not be as welcomed on the soccer coach's wall.

-Do you know that the person in question is awfully busy and may not have the time to cook? Are you a Martha in the kitchen? Why not put together a freezer meal with a ribbon on it? Make up a lasagna complete with baking instructions and a little card that says thank-you so much for your time, I thought I would save you some by making your family supper. Something along those lines would put a smile on anyone's face.

-Your time can be more precious than a spa day. Offer a few hours to help clean the classroom, sort library books or take down bulletin boards. Saving some time and sharing the workload can be priceless to an overworked teacher looking forward to the first week of summer vacation!

-Group it together. Take charge! Nab the other parents at pick up time and ask them if they are interested in getting a group gift. If one person gives a $5 gift it might not seem like much. But if 25 people get together and each give $5 it can be one heck of a gift certificate. Think outside the box...I mean, a spa day is always nice but times are tight for everyone. Teachers are no exception. WalMart, Superstore, M&M Meats...they all have gift cards. Get everyone to sign the card, throw in a great gift certificate and you have a wonderful thank-you from the class!

-How about a pet you don't have to feed? Have your child paint and decorate a flat rock. It's a sweet little paperweight to remind the person they are cared for. Don't forget the name and date on the bottom.

I am going with a little of everything this year...a basket of all our fave things! Cookies, bread, etc with a few little crafts done by my son. That is for the teacher and her EA in our classroom. For the extended staff I will be putting out a mini cupcake buffet in the staff room with a card that says thank-you to all for their dedication and hard work.

Remember, saying that you appreciate someone doesn't have to break your bank. It's not a contest to see who can bring the biggest bouquet of roses or who can give a card to the most expensive restaurant. The point of a gift at the end of the year is to say "Hey. You spent time helping to shape my child. And I value that. Thank-you so much." So don't feel overwhelmed by it. A card costs a dollar but says so much more.

Tuesday, June 8, 2010

Techno savvy I am not

Ok, apparently someone has to teach me how to properly pre-post on here because I had last week's Frugal Friday all ready to go and do you see it? Because I don't see it. Floating out in blogland I suppose. SO sorry about that! I have been so busy I haven't even had a minute to check it to make sure it actually posted and then blogger was down. Now it will soon be Friday again so how about we call a do over for last Friday, cut our losses and just have some scrapbooking fun? A couple of things I have been working on lately and I never did give you the Cliffs Notes on Camp Croppin'!


We started out at *almost* the crack of dawn on the Camp Croppin' weekend with a van full of crazy women and Flat Amanda of course. To view her crazy antics click HERE. It all started with our good friend Amanda not being able to attend CC due to chemo. So we printed her out, glued her to a stick and took her on the best trip she never had. LOL It was great fun with lots of laughs and even more ugly crying than one person can handle. Thanks a lot Riley. Speaking of said "ugly cry starter" Barb took the journaling prize for the second year in a row! It was so exciting until they asked her to read one of her enteries and then the flood gates broke open. There is video of it somewhere. I am sure our snot bubbles are on Youtube by now. Fabulous. I was so pleased to follow in Barb's footsteps by taking my second prize in as many years pulling a 3rd overall with this layout:

I really love the details on this one...I glued tiny individual rhinestones to the border of her hat because that's how it is in real life. I loooove fine details like that! The rose in the corner was a technique that Tim Holtz did on his blog for the 12 tags of Christmas but of course it is not a new idea. I used old sacking and crocheted lace and sprayed both that and the rose with multiple layers of Tattered Angels Glimmer Mist. Actaully, there isn't a thing on the layout that made it out glimmer-free! The title letters and hearts are sprayed too. And the journaling spot. It is just so versatile. The whole layout has this soft, feminine shimmer to it that is very much like Amy's personality. She just shines.
It's really nice to do a girly layout every once in a while as I tend to dominate the all boy-all the time category! A simple fireman layout of some friends of ours:
The grey background is really grungy...the photo of course does not do it justice. I used lots of black ink and gobs of Rock Candy crackle paint. It creates wonderful texture. I made the ladder myself by snipping apart those giant metal clippy things that hold together thick stacks of paper. Clippy things of course being the technical term. Found the amazing vintage buttons at a rummage sale.

A bit of sewing on this one...I {heart} my sewing machine! Just a few simple buttons and chipboard stars to add to the Stampin' Up notebook punch because the journaling was really the focus here.
I have SO much going on right now...how about a 100 project pledge? A little exciting scrapbooking news! And an event that is NOT to be missed! Registration opens tomorrow for Sask Scraps. Are you IN?!


Sunday, May 30, 2010

Frugal Weekend


Well, maybe not so much as the Hubs did some last minute "supply getting" for the Relay For Life which included a bunch of stuff I would never buy. But such is life sometimes. We had a great time on Friday! Then yesterday I took all the kids to a movie and we watched the UFC pay per view at my sister's place with most of the family {we are such rednecks LOL}. And now today the Hubs wants to car shop and we have a birthday party. Such a full weekend! So when you have a weekend like this when do you fit in last minute shopping for the birthday present? I don't. And that's the frugal tip I have for you today.


I don't shop just to shop. That can get you into a lot of trouble. But when I am out on my weekly missions I do keep my eyes open for anything I can stow away in the "Gift Closet". I have a cold storage room in my house and I reserve some of the highest shelves for extra things I pick up through the year. This actually serves 2 direct purposes. 1) It eliminates the last minute over-spend when you are faced with "That party is today???" and 2) it really helps around Christmas time with staying on budget. So throughout the year I watch the flyer sales. It has to be really, really on sale for me to pick it up but when I do find some good scores it always gives me a sense of satisfaction! For instance, I was at Toys R Us the other day for one item. I can't just browse in that store LOL I have to go in with a plan or I bust the bank! On my quest for the one item I saw a large bin with 50% off all ages and types of ColorWonders. THAT is a great deal. So I got one for each of the kids including nieces and nephews. That's half their Christmas gift right there! Woo Hoo!
Other ways I augment the gift closet is by re-gifting. Yes, I do this but in a tasteful, considerate way. The only way a gift to us makes it into the gift closet is if we already have that item (I almost never return items to the store in this case) or if it is not age appropriate for my kids and will take far too long for them to grow into it to be worth saving. A good example is this past Christmas my 5 year old got this really cool juggling set. It wasn't your conventional juggling. It was metal balls attached to the ends of colourful strings and you swung the balls around and around in different patterns. There was even an instructional DVD and glow in the dark strings. It was a really neat set, no kidding. But more appropriate for a teenage only child. Could you imagine if I let the 5 year old open that? It would be an instant concussion for the 2 year old. I am just looking into the future here people. So when your kids are opening gifts, don't let them take them out of the package unless you are sure this is something you want in your home. On that same note the 2 year old received a set of Little Tikes toys that we happen to already have. I love Little Tikes, they are fabulously durable and well worth the money! So I tucked that away in the gift closet and will be thrilled to give it to another little munchkin somewhere down the line. And not all the gifts I set aside from my kids birthdays and Christmases are given away to other people. How many gifts do your children receive? And how many do they actually play with at once? Kids will inevitably cling to one or 2 of their immediate faves and that's that. So I gather up the others to be pulled out on the next rainy/snowy day. "Remember? Grandma gave you this for your birthday!" And all of a sudden a toy that probably would have gotten lost at the bottom of the toy box has become a new favourite and will get far more use. It's all about thinking ahead. As I've said before, ongoing instant gratification is NOT a good thing. If something is worth having, it is worth working for. And the same goes for our kids. One of the biggest mistakes we could make as aspiring frugal parents these days is teaching our children that instant gratification is normal. Especially in this "All about me" generation. It's the little steps that make a big difference.