Budget · budgetwithelly · coupon · coupons · family · food · free · frugal · fun · mom · motherhood · savings · women · World VS Life

How to coupon like a Boss

It’s been a while since I’ve been here. Not because I didn’t want to blog but because I haven’t had the time.

I’ve been sick, had a few visits to the ER and to my PC and it’s a pain when you are so busy and have to keep up with social media.

Sometimes I just need that space and time apart. I apologize to the followers, Friends, and family that comes here to read what I blog. It’s frustrating not having an updated blog. My sincere apologies.

The other reason is that my oldest son graduated high school and we had a party 🙂
What a Stress 😮 planning and organizing a party is so much stress.
My middle child graduates next year I promised I’m already planning and starting to buy things now hahhaha.

Plus every other mother/wife duty

In this post, I wanted to share some of my couponing with you guys.

I’m only a beginner and I’m just learning. Please keep this in mind. 🙂

When you’re a stay home mom and your husband is the only one working, you need to make due whatever way you can to help out.
I found out about couponing not too long ago when I saw the show on tv and I decided to give it a try. I follow a few lady’s on youtube and they post almost weekly what they go buy and the deals they  go out and do.

As far as best deals out there you have to  make your own judgment. Prices also veries based on region.
The deals and sales are absolutely amazing!
I’ve been saving hundreds of dollars with things we use at home every week.

I don’t do stream couponing, I don’t buy what we don’t use, and I don’t buy more quantity than we can consume in a short period of time. The reason why is.

1- Because I don’t want to have a huge stockpile.
2- I don’t see the need for me to do that. ( not criticizing anyone that does I’m just saying it’s not what I want to do. )
3- I’m fine the way I’m doing things now Thank You! 🙂

Some people will go out and buy 20 bags of sugar just because it was on sale for $1.89 and we had a $.75 off coupon on top of that.
I, on the other hand, I went out and only got 2. That was fine for me I had 2 at home and felt that 2 more bag was enough.

A lot of people think ” Well it’s on sale, great price,  why not buy 20? If you can spend that $Money and you want to. Go ahead and do it.
I’m just saying I don’t do it. 

It’s a choice many people make, and a lot are criticized just because they use coupons.
(  Not that’s anyone’s Busyness Anyways. What you do it’s your life. 🙂  )

Here are a few deals from this week

At this supermarket ( Shaws )  I got
6 boxes of General Mills Cereal
4 Boxes of Puffs Tissue paper
4Nut Exactly Snack

merchandise total was – $41.68
I paid a total of $8.05  after coupons and store discount

And I received a $5.00 store credit so basically I got it all for $3.05

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My second one was at CVS 

I LOVE CVS they always have great deals 
2 Xtra Laundry detergent
3 Persil Laundry detergent
2 Gillette Fusion razor
2 Haagen-Dazs Ice Cream
1 Hershey Snack Mix
4 Colgate toothbrushes
2 Colgate toothpaste

All this came out to Merchandise Total – $102.75

I paid $23.61 after Coupons and store discount

and received $26.00 Extrabucks ( CVS Money )

So basically I got it all FREE 🙂

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Budget · budgetwithelly · coupon · coupons · family · free

Coupon Thursday #BudgetWithElly

   

 Coupons Save Money on Must-Have Items
It’s not like I could stop buying toilet paper, so I might as well save money on it.

Coupons Help You Try New Products
Coupon+sale=a chance to try something new without spending a lot of money.

Some Coupons Get You Free Goods!
I’ve received free toothpaste etc, by combining a coupon with a sale.

Coupons Help Manage Food Costs
If you’re trying to save money on food but want to buy more fresh, coupons can help you manage the costs.

Coupons Save Money on More than Groceries
I’ve received coupons to clothing stores, restaurants, and local services.

Couponing takes time, effort, and patience, but anyone can do it.

( A few tips I learned from a mom )

candymagiagifs63

I love good deals 🙂

Pizza Hut

Coupon 1

Coupon 2

Coupon 3

Budget · Challenge · coupons · family · Family Share · frugal · savings

#BudgetWithElly the @DaveRamsey Style

Let’s start today with what I did to become frugal and try to be Debt free.

My husband inspired me by listening to ” The Dave Ramsey Show ” and he came home one day and said; can you listen to this guy I think he’s awesome.

I decided to listen to Dave Ramsey for the first time and I thought to myself. Can we do this? Can we really be debt free? Is it possible to pay over $10k of credit card bills and actually live like ” No One else, so later in life we can live like no one else? __ Dave Ramsey”
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So who is this Dave anyways?
Dave Ramsey is a personal money management expert, radio talk show host and TV personality who over the years has helped thousands of people become debt free and change their financial lives.

Before I started to listen to Dave we had to make a decision, to either listen and apply or don’t do it at all. I started to believe we could and believed in GOD we could do it. AM I there? no! not yet, but we have a lot less to go. 🙂

We started with Dave Ramsey’s baby steps that are

Baby Step 1 – $1,000 to start an Emergency Fund
Baby Step 2 – Pay off all debt using the Debt Snowball
Baby Step 3 – 3 to 6 months of expenses in savings
Baby Step 4 – Invest 15% of household income into Roth IRAs and pre-tax retirement
Baby Step 5 – College funding for children
Baby Step 6 – Pay off home early
Baby Step 7 – Build wealth and give!
we are obviously not anywhere close to where we would like to be, but we will get there.
We had to make some sacrifice, especially at the beginning. It’s not easy because it requires sacrifice. And it’s not a lot of fun. We started less than a year ago.
So I decided to start looking at all the ways I could save and I started doing the frugal mom thing ( Coupons ) I save over $200 a month just on coupons alone. Some people are embarrassed to use them, I’m not simple as that. they are there to help you and you’re not stealing from someone, So why not?

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A lot of people talk about how to change their financial lives but never touch on the fact that if you or your spouse isn’t ready to change, it isn’t going to happen. You have to want to change.

His plan might not be perfect for everyone, but it does point everyone in the right direction.

What is your life’s purpose? When you find it, you’ll find the motivation you need to live according to your financial plan, even when it’s tough.

Making these steps require a budget. In order to succeed with these bigger goals, you’ve got to make it work day-by-day. Paying off your debt snowball requires snowflakes. And you and your spouse need to regularly communicate.

Give it a try, visit the Dave Ramsey site and other budgeting sites and get started. Believe me, It’s never too late 🙂

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Budget · coupons · free · Review

Review Monday with @NIVEAUSA #BudgetWithElly

Monday is another review day. Last week I reviewed the Dollar Shave Club their prices are great, but the product not so much. 😦

Today I want to review the Nivea Shower Lotion

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Nivea in-shower body lotion is a convenient way to moisturize your skin while you are in the shower. There is no need to leave the lotion on for a certain amount of time, all you do is add on and rinse off. The product is activated by water and absorbs into the skin.

The best I have ever tried. It smells great and it feels awesome on your skin. It’s a MUST TRY
If you want to try it before you buy it, just click on the link below and get your free sample today.

Click Here for Free sample

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How to use it in 4 easy steps 

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Wash

1. WASH
Use your normal shower
product and rinse off.

Apply

2. APPLY
While still in the shower, apply In-Shower Body Lotion on wet skin.
Avoid applying to bottom of feet. ( I did this without reading and I almost ended up on my rear-end LOL

Rinse

3. RINSE BODY
Rinse body.
Thoroughly clean tub/shower with hot water after usage to remove residue and avoid slipping.

Go

4. GO
Dry yourself, get dressed and go.

WITH 3 PRODUCTS TO CHOOSE FROM,
ALL WITH 24 HOUR MOISTURIZATION
ONE IS SURE TO BE JUST RIGHT FOR YOU!

  • Hydrating In-Shower
    Normal to Dry Skin
    Very Dry Skin

You won’t regret getting these 🙂

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I did not get paid or any free samples to do this review, these are my own words and experience on a product I bought, tried, and liked it 🙂 

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I’ve turned into a frugal, coupon, deal crazy lady. Like I said in other posts I’m not all that crazy about stockpiles, but coming to realize I can save so much money I’m starting my pile. What’s a stockpile? Well look at my little one again, I started about 2 weeks ago

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I got these last products at jet.com.
I’ve been comparing prices there and they are all just about $1-$2 cheaper than at regular stores. Even Walmart.

List —
4 Tide downy
6 Speed Stick Deodorant
2 Gillette Clear deodorant
2 Secret Deodorant
Total amount paid $19

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coupons

#Coupon Thursday

The basics to couponing, combining coupons with store sales to get the best deal and stocking up when the product is at its lowest price.

just like everything in life, it takes money to make money and couponing is no different.
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My CVS trip today total $170 I paid $58 

Jo-Ann Fabric 20% 40% 50% Off

$10 Off $25 @JcPenney

Yankee Candle B1G1 ( buy 1 get 1 free )

29% off $40 Carters

Don’t forget to print these ones 🙂 Happy Shopping

RedPlum

Coupons

Budget · coupons · free · frugal · motherhood

Frugal Tuesday #MomsOnABudget

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I am NOT an “Extreme Couponer” or “One of Those People”. I am a mom and a wife, who cares enough about her family to learn how to do this. ___Mel

What’s being frugal? Being on a Budget? Saving Money?

I never cared about those phrases until I became a SAHM and the income became lower than expected.

I was the type of person that always thought couponing was crazy and everyone exaggerates Until I became a couponer funny how things change. Now I’m ” addicted ” to saving $$. I think I’m doing pretty good at it, of course with much more to learn. There great sites/blogs out there that will teach you how and where to save more and more.

I started following a few blogs, collecting coupons printable, digitals, and codes.

I just started my pile of stuff. Yes some people will say that’s ridiculous, why buy all that stuff? Well, for starts I only buy 2-4 of each thing I don’t exaggerate like a lot of people think. I won’t say like a lot of people, because it’s really not an exaggeration.

If you think about it buys in bulk will help you save more.

I will post some of my deals at the end of this post and you will see how it really helps.

I also love the fact I can help out others in need. I have a few people on my list that I just give things to, because they are in need. I’ve been there and know how that feels. Specially when you have kids.

My favorite places to shop is @CVS and now that I just found out about jet.com I will look forward to more savings shopping there. I just got introduced to the site and they offer either a 20% off or $15 off and the prices are lower than in any stores, plus you get the products shipped right to your door and for free. ( If you spend $36 )

These are my firsts CVS runs

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1 Colgate Optic White toothpaste – $2.99 2 Colgate Advanced white toothpaste – $6.00 1 Colgate Total Mouth Wash – $5.99 1 CVS Brand Gentle tape – $ 3.19 Total = $18.17 +tax $ .70 used 7 Manufactures coupons and CVS Coupons Total was $11.85 total savings – $6.32
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2 Pantene Shampoo and Conditioner $8.00 2 Herbal Essences Shampoo and conditioner $6 2 SoftSoap Bodywash $7.00 1 Dove Men care body wash $7.99 2 Dove exfoliate Bodywash $8.99 each 1 Dove men’s dry spray $7.99 1 Dove deodorant $6.49 2 Dove women’s dry spray $5.29 each 2 Loreal Shapoo and conditioner $5.29 each 1 Jergens skin moisturizer $7.49 1 Axe deodorant $5.79 2 Dove Shampoo and conditioner $5.29 each Used 15 coupons from newspaper and Extra Bucks plus store discounts This bill came out to $119.00 I paid $71.40
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This was my biggest save * 2 Febreze $8.38 * 1 2L Coke (not on photo ) $1.10 * 2 Maybelline Fitme Foundations $16.98 * 1 Theraflu syrup $8.49 This all cost $43.44 I paid $13.91

I did Good on my savings 🙂 at CVS  and you can too..

Make sure you have a CVS card, get coupons added on to it by visiting CVS.com at the store there’s a machine you can scan your card and print the coupons.

Now with these coupons you can use the ones that come in the newspaper on top of the store savings.  On every item, you see extra bucks reward you can do 2 transactions get the EB and use on next purchase.  Looking for the items that are on sale is always a plus 🙂 Happy Savings everyone.

**** A Must Read ****
Coupon Wizard

**** Print These ****
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Coupons 2
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Coupons 4

coupons · dad · family · Review

Monday #Review of the @DollaShaveClub

I wanted to give this time. Try it out before I wrote anything bad or good about it. 
The first day we got the shaver from @DollarShaveClub we were very excited couldn’t wait to try it out. 

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It looked very appealing in the pictures, the website promotes

A GREAT SHAVE FOR A FEW BUCKS. No commitment. No fees. No BS.

As for me being a frugal stay at home mom I liked the idea of the price.

Yes it’s cheaper than the other brands.
When you stop to think about it using coupons with other brands you can get it for the same price maybe even cheaper. Even though we realized that we still wanted to try it out.

The website is easy to choose and start getting what you are looking for as it states on the website.

HOW IT WORKS Dollar Shave Club couldn’t be simpler. Select one of our great blades, pay only for the cost of your blades, and we send ’em right to your door every month.

We selected to have the most expensive one $9 month +shipping because I thought

” Hey this will be perfect. The website describes the blades as follow.

THE FINAL FRONTIER THE EXECUTIVE $9 EVERY MONTH SHIPS FREE SELECT 6
stainless steel blade
4 cartridges per month
Special trimmer edge built in for the professional
This blade comes from the future and lives in outer space
Full 90-degree pivot head Wide-open back for a fast, easy rinse Aloe, Vitamin E, and lavender lubricating strip calms sensitive skin.
What do you get the bathroom sink that has everything? The Executive. This blade is my successful. Muy sexy. Weighty, substantial handle delivers the ultimate compliment to the man who understands. And the shave is so buttery, it feels like you’re carving turns through a virgin Wyoming snowfall.

It took about a week for the delivery, and we had our brand new shavers and a free sample of the aftershave in our hands.

It’s a nice looking shaver and the Special trimmer was cool.

So my husband tested it first, he used the shaver 2x and had to move on to a new one.
I told him maybe it was because I used it once and he said ” well the one we get at the store lasts 3weeks before changing blades.

He tried using another one by himself, I never touched it ( I promise LOL ) again after 2 shaves the blades were dull and it looked horrible.

Yes we got disappointed. I had so much expectation for this product and it failed. 😦

Still haven’t decided what I want to do next, but since the one we got is the best they can offer I think we will need to cancel.

( I bought this product and this is my honest opion, don’t forget everyone is different and the product might work great for you. It didn’t for us and this is why I’m doing my review. )

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coupons · family · mom · motherhood · Niche · World VS Life

? What Niche ?

topic-for-your-blog

I’ve been blogging here and there for about 10 years. I had a cute full of followers blog and twitter account. Because of family issues and harassment from someone that Obviously had no life, I gave up on my old blog elianefilho.wordpress.com and my twitter account @EllyFilho

I regret so deeply about doing that 😦 I started all over with a new blog account and a new twitter account I had no idea it would be this hard to start over if I knew what I know now I would have never done it. So for all of those years I hear people say ” Whats Your Niche?” and I say ?What Niche? I don’t have one – I still don’t have one LOL

I’ve looked everywhere, studied all the gossip about it and I can’t figure out what to say about my Niche. So just this morning as I was preparing my list of what to post every day I realized my blog is about everything you can think of LOL.

  • I talk about and do Reviews.
  • I’m very frugal so I post about Budget
  • I’m a photographer and L.o.v.e. what I do as a photographer so I post photos.
  • Being frugal requires dealing with coupons so I post deals, coupons, fashion
  • Since I became sick with a blood clot, fibromyalgia, migraines, etc. I like to inform people about health issues so I post Healthy stuff, whether it’s a recipe or an article.
  • Since my family is my primary focus, I post about family, fun things to do, and what we did as a family.
  • Because I’m Christian, a pastor’s wife, we go to church 3x a week, I love to read and study so I post devotion. I believe sharing what God gave me ( wisdom ) is a pleasure.
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So again I ask what’s my niche? I figured it would be called ” World vs Life ”

Everything in this, would you have to learn and deal with it in real life.  Let me tell you it’s the worst task ever.

Sharing what you know, do and make is amazing, I have a true respect for anyone who does that.

If something is working out for me, why not share with the rest of you all …

Don’t you agree? How did you find your niche? and what is it? please share 🙂

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coupons · Fashion · food

Frugal Tuesday #Coupons

Frugal Tuesday 🙂 

Good Shopping everyone enjoy

candymagiagifs63

20/15 % off Jc Penney

Extra 20% Off All Online Clearance ( October-20-2016 )
Promo Code: WHAT2BUY
20% or 15% Off Fine & Fashion Jewelry ( October-27-2016 )
Promo Code: SHINY
Extra 15% Off Sitewide, Including Clearances ( October-31-2015 )
Promo Code: FUNDEAL

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15% Off Complete Orders ( October-31-2015 )
Promo code: OCTSAVE
20% Off $40 Purchase ( October-31-2015 )
Promo code: CARTOCT

Groceries

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All coupons found online, I DO NOT get paid or any extra discount for posting these…
Just like being frugal and helping others .. God Bless!!!!!