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 )

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I love good deals 🙂

Pizza Hut

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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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Devotion · family · sunday devotion

Start building your trust #SundayDevotion

Start building your trust in God day by day!

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Form New Habits

Therefore if any man be in Christ, he is a new creature: old things are passed away; behold, all things are become new.
2 Corinthians 5:17

God’s Word teaches us that when we receive Christ as our Savior and Lord, He gives us a new nature. He gives us His nature. He also gives us a spirit of discipline and self-control, which is vital in allowing us to choose the ways of our new nature. He gives us a sound mind (see 2 Timothy 1:7), and that means we can think about things properly without being controlled by emotion. The way we once were passes away, and we have all the equipment we need for a brand-new way of behaving. God gives us the ability and offers to help us, but we are not puppets and God will not manipulate us. We must choose spirit over flesh and right over wrong. Our renewed spirits will then control our souls and bodies or, to say it another way, the inner person will control the outer person.

Without God’s help we have difficulty doing things in moderation. We frequently eat too much, spend too much money, have too much entertainment, and talk too much. We are excessive in our actions because we behave emotionally. And after the thing is done and cannot be undone, we regret doing it. But we can choose to form new habits, not doing something just because we feel like it, but instead doing what will produce the best result in the end.

We do not have to live in regret. God gives us His Spirit to enable us to make right and wise choices. He urges us, guides and leads us, but we still have to cast the deciding vote. If you have been casting the wrong vote, all you need to do is change your vote. Forming new habits will require making a decision to not do what you feel like doing unless it agrees with God’s will.

Trust in Him
God wants you to live out of your new nature, not your old one. Every time you put your trust in Him and cast the deciding vote to obey, His Spirit transforms you and makes you more like Him.

From the book Trusting God Day by Day by Joyce Meyer. Copyright © 2012 by Joyce Meyer. 

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Look for us with the tag #BudgetWithElly

Friday · Health · mom · motherhood

How #HealthyFriday can help you prevent the future

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Did you know these facts

Blood clots can occur in both the veins and the arteries. A clot formed in a vein could restrict the return of blood to the heart, causing pain and swelling as blood gathers behind the clot. Clotting in the arteries typically happens when they harden, and a deposit of plaque narrows the inside of the arteries. As the passage narrows, the heart needs to force blood through the opening, and that strong pressure can rupture the plaque. The body then overcompensates by forming an unnecessary clot in the artery, which can lead to heart attack and stroke.

Smoking is one of the most prominent risk factors for developing blood clots, as well as other heart problems and some chronic diseases. Stop the habit by using nicotine patches and gums, prescription medications, and support groups. Other risk factors for blood clots include obesity, pregnancy, immobility, certain cancers, trauma, age, and family history of blood clots.

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Actually, doctors recommend exercise to prevent blood clots. The Department of Health and Human Services recommends that adults get 150 minutes a week of moderate aerobic activity, which can be swimming, walking, dancing, and biking, among others.

Symptoms can be experienced in five places.

1. Heart—chest pain, shortness of breath, chest heaviness.

2. Brain—weakness of the face, difficulty speaking, vision problems, severe headache, dizziness.

3. Arm or leg—swelling, tenderness and warmth on limb, sudden or gradual pain.

4. Lung—racing heart, sharp chest pain, shortness of breath, coughing up blood.

5. Abdomen—severe abdominal pain, vomiting, diarrhea.

DVT most often forms deep in the blood vessels in your leg. This can partially or completely block flow of blood to the heart and damage one-way valves in your veins. About 350,000 Americans are diagnosed with DVT each year, and many more don’t know they have it.

Even healthy, young individuals can develop DVT. As you age, your risk becomes slightly higher, but many patients with it are in their twenties and thirties. Pregnant women are at an increased risk of developing DVT until around six weeks after they give birth.

If you are diagnosed with a blood clot in your vein, your doctor may refer you to a hematologist, a doctor who specializes in blood diseases. If you have a blood clot in your artery, you may have several different doctors involved in your care, such as a cardiologist, neurologist, and hematologist.

Your doctor may prescribe anticoagulants, which prevent clots from forming, and thrombolytic, which dissolve blood clots. You also may undergo catheter-directed thrombolysis, a procedure in which a catheter is inserted into the body and guided to the blood clot, delivering clot-dissolving medication inside of it. You may also have a thrombectomy in which your blood clot is surgically removed.

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In reality, blood clots are often preventable. To reduce your risk, live a healthy lifestyle, check your blood pressure at least once a year, and talk to your doctor if you have a family history of blood clots.

I'm a Surviver DVT & PE
I’m a Surviver
DVT & PE
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

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Coupons

dad · family · fatherhood · kids · mom · motherhood

4 ways to have a Family Saturday

We all have busy lives. Finding time today is almost impossible

If you’re like me, you feel like there’s still stuff to do at the end of the day. Tempted to keep your computer and phone on at all times. Fighting distractions in your brain even when with your family.

You need to have priorities. In the end, our family is all that matters, so don’t push your family to the bottom of your to-do list.
If you want a stronger marriage and family, start by investing more time.

https://twitter.com/4Guys_1Girl
Family Date Night

1. Remember that “Date Night” doesn’t have to happen at night

Look for ways to connect during the day.

2. Never walk into your house while you’re on your phone

I make sure to end the call before walking through the door.

3. Have set times where everybody is unplugged

Try to shut down the electronics more often. Talking with each other is always better than texting with somebody else!

https://twitter.com/4Guys_1Girl

4. Prioritize family time AND one-on-one time

Plan activities you can all do as a family, also plan for one-on-one time with each other and with each of your kids individually. That time will be golden for your kids.

https://twitter.com/4Guys_1Girl

coupons · entertainment · family · free · Vacation

Boston Tour #MomsOnABudget

Sunset - Boston 18th of March 2006

There are so many great things to do in Boston that are completely free!

  1. Boston Common, Free
  • Park Street Church, Free
  • King’s Chapel & King’s Chapel Burying Ground, Free
  • Benjamin Franklin Statue & Boston Latin School, Free
  • Granary Burying Ground, Free
  • Old Corner Bookstore, Free (Note: Currently being leased by Chipotle)
  • Site of Boston Massacre, Free
  • Massachusetts State House, Free State House Tours (Weekdays 10am-4pm)
  • Faneuil Hall, Free
  • Copp’s Hill Burying Ground, Free
  • Bunker Hill Monument, Free (Suggested Donation)
  • USS Constitution, Free tours every 30 minutes of the boat (The Museum has a suggested donation of $5 for Adults, $3 for Seniors, and $2 for Children, but any amount is appreciated). *You will need proper ID and go through a security check*
  • Old North Church, Freedom Trail Drop-In (Suggested Donation of $1 per person)

Take a Freedom Tour

There is always something happening here > Faneuil Hall Marketplace live street performers, restaurants, vendors, shops, and more. Free to explore and enjoy.

Boston Common, Public Garden & Swan Boats: Enjoy the Boston Common and the Public Garden.

Take a stroll at Castle IslandCastle Island is a 22-acre park and is a great place to walk, jog, roller-blade, sunbathe, and more. Castle Island is also home to Fort Independence, which gives free guided tour daily until 3:30pm.

Star-gaze at the Coit Observatory at Boston UniversityThe observatory is open and free to the public every Wednesday night at 8:30pm in the spring and summer and 7:30pm in the fall and winter.

Tour The Boston Public Library: The Boston Public Library offers free art & architecture tours during particular times by volunteers.

Charles River Esplanade: Great way to spend a beautiful day; During summer months enjoy free movies and music at the DCR Hatch Shell.

History at the Massachusetts Historical Society:  library founded in 1791. Free to visit.

Get on the water at Fort Point PierThe Fort Point Pier is free to the public.

Scenic stroll on the Haborwalk: Walk alongside the waterfront with the public walkway connecting the best of Boston Harbor.

Kismet at the MIT Museum

Free Museums in Boston

Visit the Institute of Contemporary Art on Thursday Nights: The ICA is free every Thursday night from 5-9pm and free for families (up to 2 adults accompanied by children 12 and under) on the last Saturday of every month (except December).

Discover the MIT MuseumAdmission is free all day the last Sunday of every month from September to June and free the first weekend of every month for Bank of America cardholders for Museums on Us.

Closed on the following holidays in 2015:

  • January 1: New Year’s Day
  • May 25: Memorial Day
  • July 4: Independence Day
  • September 7: Labor Day
  • November 26: Thanksgiving
  • December 24 & 25: Christmas Eve & Christmas Day
  • December 31: 3 p.m. closing

Head to Cambridge and explore the Harvard Museum of Natural History and Peabody Museum of Archaeology and Ethnology: Massachusetts Residents can visit free with valid ID on Sunday mornings from 9am-12pm year-round or from 3-5pm on Wednesdays from September to May. Proof of residency required. This offer is not available to commercial groups.

Visit the Museum of Fine Arts on Wednesday Nights: Admission is voluntary on Wednesday nights after 4pm and certain days of the year. Also, Bank of America cardholders can receive free admission the first weekend of every month, part of the Museums on Us program. Youth 17 and under also receive free admission daily after 3pm, weekends, and public school holidays. Otherwise admission for youths is $10 adults $25

Explore the Commonwealth Museum for free, always: The history and treasures of Massachusetts and is free to visit and park.

Devotion · Family Share · photography

Unfinished Business

Unfinished Business

Therefore, confess your sins to each other and pray for each other so that you may be healed. The prayer of a righteous person is powerful and effective.

It was a nostalgic time when we drove away the last time from our home of 24 years. We left behind a lot of memories in the walls – and a couple in the tree in the far corner of the backyard. See, when the kids were little, we wanted to build them a tree house. So, we made a plan, got some lumber, and started our little project. We laid down a couple of boards between two branches; it was the beginning of a floor for the tree house. Then we took a break. And we never went back. Oh, yes, we intended to finish that house, but right up until the day we moved out, those boards were all that ever happened.

That’s not the only house a parent intended to build and never got done. In fact, many of us Moms and Dads knew how we wanted our family to be – how we still want it to be – but somehow the home, the family we intended to build never got finished did it? Even as our children were leaving for college, we talked about how quickly the years had melted away and how we were feeling there was so much unfinished business in our kids’ lives.

Maybe you’re a mom or Dad, and you can see in your relationship with your children a lot of things you wish you had done, or a lot of things you wish you hadn’t done. Like us with our tree house…the intentions were good, but something happened along the way. Your children may still be fairly young, still at home, but already you have regrets about what has or hasn’t happened in your relationship – in their lives.

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But it isn’t over yet. In fact, the Bible offers a blueprint for hope and for healing. If you can find the courage to activate this powerful step, you may still be able to take care of some of that unfinished business. God says in James 5:16, “Confess your sins to each other and pray for each other so that you may be healed. The prayer of a righteous man is powerful and effective.”

Let’s apply this to a broken or strained or a hurting family relationship – a part of your home that never got finished. God is calling you to fervent prayer for that person that’s on your heart. And He is calling us to “confess our sins to each other”, too. In the case of your son or daughter, that probably means saying some of the hardest words in the English language for a parent to say, “I was wrong. Please forgive me.”

For someone you love, just your recognition that you were wrong could start a healing process in both of you. Tell them you’re sorry for any way you feel you have failed them; that you want the future to be different from the past; give them the “I love you” that they may have been waiting for a long time. Give them your blessing, your approval, your praise. They may have been starved for it for years. It’s never too late to say, “I love you.” It’s never too late to say, “I’m sorry.” It’s never too late to say, “Let’s make a new beginning.”

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Oh, it will take some humility, because it’s pride that keeps walls from coming down. It will take God’s courage, but it could heal so much in you and so much in that person you love. But the home, the family, the relationship you never finished can still be built if you can say three life-changing, life-giving words,

“I was wrong.”

Further Study

1 John 1:9

If we confess our sins, he is faithful and just and will forgive us our sins and purify us from all unrighteousness.

Going Deeper

Someone I need to say, “I was wrong” to is…
One way I failed my family is…
Something I can do to resolve the conflict in my family is…

Thank You Ron Hutchcraft for the study 🙂 Resources: The Bible, images from pixabay.com
Family Share · kids

10 things moms do that are super annoying


10 things moms do that are super annoying. If you are a mom, or are planning on becoming one, be wary of these 10 super annoying things all moms do.

1. Mom’s judge women who don’t have kids

Maybe not outright, maybe not very obviously, but there seems to be some secret judging in the minds of many moms when it comes to their childless friends. It could be jealousy or even a little pride, but a mother has a different relationship with her childless friends when her own baby is born. A level of understanding and empathy is altered when you make the leap into motherhood.

This is so true. Actually, just caught me doing it the other day. Lol

2. Moms insist others have children, too

Moms – especially new moms and empty-nesters – have a tendency to not so subtly suggest you have children, too. Presumably so you can share her joys…and some sleepless nights. It’s natural to want to share what you have, but this particular question can be intrusive. Childbirth and parenting are huge undertaking, and not be entered into lightly; or unduly influenced.

Not me– I tell them all the time that having a kid is hard. If there’s someone that

3. Moms can’t focus

Mothers of young ones are easily distracted and forgetful (but for a good reason). She’ll call you, scold her kids, hang up, and call you back, but forget what she was talking about. The only way you can keep a mom’s attention for a full conversation is to get her in person and get her alone. We understand that it’s hard to focus when the three-year-old could run off with the scissors at any moment, but it’s frustrating when I’m trying to talk to you.

4. Moms are always late

Or just break plans altogether. As a mother, kids come first. Kids also take forever to get all ready to go. Even with a babysitter, things can still be cancelled. Mommy emergencies can make getting together impossible—good thing her kids are darling.

I don’t agree. I had 3 kids less than 2 yrs. apart and always made to my appointments etc. on time. If you are always late don’t blame it on the kids. It’s your own fault. Get up early. Start getting ready early 🙂

5. Moms talk to adults like children

We understand a mom has taken on a protective and disciplinary role, but she may need to be reminded when it’s time to clock out from the job and just be a woman, a friend, or a wife.

6. Moms give unsolicited advice

…especially about parenting. Doing something 24 hours a day, 7 days a week can convince anyone they’re an expert. But unless someone comes to you in need of guidance, try to gauge whether others want to hear your pearls of wisdom. We may not need your unsolicited advice.
7. Moms may need some reminding

A mother can easily lose her identity in motherhood and forget who she was before she was a mom. Through the sleepless nights, midnight feedings, diaper duty, and sporadic showers and meals, a mom may not remember what she liked, what she valued, or what was important or interesting to her before the bundles of joy arrived.


8. Moms lose perspective in parenting

A mother’s world can become quite small. She may talk nonstop about every little thing her child says and does because that’s her world now. Her world revolves around her child, so she assumes the rest of the world has to revolve around her and her child as well. A mother will advocate aggressively for her rights as a mother and the rights of her child without always considering the perspective of others in the situation.
9. Moms assume other people want to be around her kids



Sometimes a mom thinks anywhere she wants to go, her children should be welcome as well. Very young and ill-behaved children do not belong in expensive and posh establishments, like fancy restaurants, galas and art museums. Nor should young children accompany parents to bars, clubs, wine tastings or pub crawls. Even without a posted sign, some things are “adult only.”


10. Moms can’t be spontaneous

A mom has to ask permission, arrange sitting and organize several schedules before she can commit to anything. Plans need to be made weeks in advance and can still be up in the air minutes before she’s due somewhere.

Now with the last statement I totally agree lol

Devotion · Family Share · kids · reeding · Review

Protecting Your #Child from • Soul Poison •  #Parenting 

Protecting Your Child from “Soul Poison”
There are some decent, even values-oriented things on television for children these days. But, as you know very well, there’s a lot of garbage, too. And in between those two extremes, there are shows that are mostly good but have some words scattered in them that little ears shouldn’t be hearing – or big ears, for that matter. Along comes a service called TV Guardian – which automatically replaces a naughty word with a nice word, thus removing what could be bad for your child. Occasionally, the replacements are actually a little amusing. Like the word “sex,” for example. The replacement word is “hugs.” Which gets a little interesting when someone asks, “So what will be the hugs of your baby?” But I do think TV Guardian is a pretty good idea.

Something like TV Guardian was invented for parents who realize a very important assignment that they have; to protect their children from anything that could harm them. Of course, a parent is going to protect their son or daughter from physical harm – like getting too close to the edge of a cliff or running onto the Interstate. But Mom and Dad have no less a responsibility for protecting their kids from things that can hurt their soul. And there’s a lot of soul poison out there.

There is a ten-word challenge that underscores where the front lines of the battle are for any life – including that of your children. Proverbs 4:23 begins with these attention-getting words, “Above all else…” Then these ten words – “Guard your heart, for it is the wellspring of life.” In other words, be careful about what gets into your heart – or into your child’s heart – because it is the reservoir from which everything else flows.

Yes, one front in the battle for a child’s pure heart is related to what they listen to and watch. It’s amazing how we will allow someone to portray right in our living room, on TV, DVD, or Netflix, things we would never, ever allow to be done in our living room – sexually, for example. We allow comedy into our home and into their heart that trivializes sin that ruins lives; not realizing that our kids are learning to laugh about things that are eternally serious. No matter what the parental peer pressure of what other parents are allowing and what the culture says is “must see” stuff, we’ve got to stand our ground on not allowing our kids to mentally eat out of the garbage can.

 
But guarding their heart is so much bigger than TV or movies or music. It’s about the poison that comes from us. The bitterness they’re learning by listening to us, the anger, the self-centeredness, the putdowns of other people, the names they hear us call people, the prejudice they hear in the way we talk about others, the disrespect they hear us expressing toward people at work, at church – or even toward their Mother or Father. That’s more deadly poison than anything the media can pump out. Our precious children need “Parent Guardian” – to protect them from the poison that they see modeled in living color by a Mom or Dad.

The DVR in your son’s or daughter’s heart is always recording. It’s always capturing what it hears, and the impressions are shaping who they’re becoming. You are the guardian, assigned to your child by God, to protect that young heart from poison and infection – even if (especially if) it’s coming from you.

Going Deeper

One undesirable trait I see in my child that reminds me of myself is… One thing I could do to help them and me grow in that area is…

“Above all else, guard your heart, for everything you do flows from it.”

Proverbs‬ ‭4:23‬ ‭NIV‬‬ Tweet: “Above all else, guard your heart, for everything you do flows from it.” Proverbs‬ ‭4:23‬ ‭NIV‬‬ - Via- @4Guys_1Girl

“I will sing of your love and justice; to you, Lord, I will sing praise. I will be careful to lead a blameless life— when will you come to me? I will conduct the affairs of my house with a blameless heart. I will not look with approval on anything that is vile. I hate what faithless people do; I will have no part in it. The perverse of heart shall be far from me; I will have nothing to do with what is evil. Whoever slanders their neighbor in secret, I will put to silence; whoever has haughty eyes and a proud heart, I will not tolerate. My eyes will be on the faithful in the land, that they may dwell with me; the one whose walk is blameless will minister to me. No one who practices deceit will dwell in my house; no one who speaks falsely will stand in my presence. Every morning I will put to silence all the wicked in the land; I will cut off every evildoer from the city of the Lord.”

‭‭Psalm‬ ‭101:1-8‬ ‭NIV‬‬

Study by Ron Hutchcraft