How To Raise Money Savvy Kids In Today’s Modern World

Grab your own copy of our Freebie Printable Spend or Save Cheat Sheet below!

 

There’s unrest swirling in the air amongst men and boys everywhere this month as Nintendo revealed its latest new gaming system, The Switch.

Like a swarm of bees to honey, they simply can’t help but be lured by siren calls. And of course, amongst that very swarm includes my husband and our 6-year-old, son.

Yes, of course, bzzz… 😉

 

“So Dad, how many dow lahs does the Switch costs?” asked my inquisitive 6-year-old.

 

“It’s a lot of money, buddy. Why do you ask?” my husband responded.

 

“Well, because I want to see if I have enough dow lahs to buy one. They have the new Mario Kart game on it!” he exclaimed with a bounce.

 

“Umm, it’s like $400 dollars buddy…” my husband replied sheepishly.

 

“$400 dow lahs! What?! Forget that!” responded my 6-year-old in total disbelief.

 

And with that, my husband and I both exchanged a look that can only be described as kindred spirits. Because in that very split second glance we shared between two loving parents (You know, that very same depth-of-silence look that was coined by Mr. Jon Hamm himself from Mad Men.

Yeah, exactly that, that happened) we both knew, we’ve done it.

 

Yep, we got through to him, our first-born babe. Somewhere along the way, this little squirt of just shy of 7 years old, had just learned a very powerful and very important lesson that most folks much older than he has yet to figure out.

And it just about blew these very proud parents away. It was honest to goodness, humbling and oh so very satisfying to not only hear him say that but to also know that he understood the value of saving what little money he has earned in his short life thus far to sacrifice it for a much-lauded after a gaming system.

What wise words uttered from the mouth of a child. This mama bear could not have been more proud.  🙂

 

And here I was, worried that I was not doing nearly enough to teach my kids some of the much-needed basics they need to know about money.

 

We see it all the time. It’s all over the news. Headlines plastered across our screens about the national debt crisis ballooning out-of-control. And yet everyone, including our very own family, are constantly bombarded with temptations to buy! Buy! Buy!

 

Not only that, it is as if no one could care less about the equally astounding mortgage and student loans debt. We have come to accept this as the norm of living in American society today, and it has eaten us alive. (Yep, even us, we’re guilty of that as well.)

 

But of course, someone’s gotta be able to pay for this burgeoning debt.

But who? And with what money, right?

Credit Cards aren’t gonna cut it.

And there it goes, from one shiny object to the next shiny object, like a domino effect.

We can’t help but to buy into it.

 

But what if we can summon up the courage to say no and resist these temptations from spinning out-of-control?

Wouldn’t that be nice?

 

Heck, my 6-year-old just about schooled us on the very thing we deal with on a daily basis. So I know, it is well within our power to harness our courage and resist spending money needlessly.

 

Oftentimes when we are faced with the temptation to buy that cool new shiny object, it is so easy just to give in and justify ourselves by saying that we worked hard for it and so we deserve it. But maybe instead of thinking that we are denying ourselves the pleasure of this cool new shiny object, we begin to tell ourselves and believe that we are actually saving up our money for something bigger and better.

 

Take it as having a peace of mind, to save for a rainy day, because something better will come along and replace that once shiny cool new object that is now dull and forgotten. You are saving yourself a world of grief from having to deal with being in debt, all for a very brief instance of gratification.

 

Now in full disclosure- I have not yet explained this concept to my kids. And by the same token, I should not expect them to already understand the concept of a need versus a want.

But I have a sneaky suspicion that, as little, as they are, they’ve already known more than I give them credit for. I am constantly amazed by what comes out of their mouths every day.

 

So have heart, continue to do what you do at home and be open and honest with your family members when it comes to how you manage your family’s finances.

  • Continue to compare deals and shop for the best prices together.
  • Continue to clip your coupons and pick up items that are the best bang for your buck.
  • Continue to share your frugal ideas with your children, because you will be pleasantly surprised to see what they have just learned from watching you in action (real-life situations here folks!)

 

Pick a good time (preferably after breakfast) one day and take your kids to the store (on purpose! – I’m holding in a laugh right now as I’m writing this.) Negotiate with them before entering the store.

If they continue to show you good behavior during your shopping trip that you will reward them with 1 item of their choice. Let them pick out a toy that they want.

Then let them pay the cashier. Make sure to let them know that this is a reward-a special treat you are giving them for working so hard.

 

But yes-do it on purpose anyway because it’s a valuable lesson for them. And yes, I’ve done it myself too, several times as a matter of fact.

That is why I can definitely say from my own experience that it actually sunk through to my kids!

 

Here is how we explain the concept of money to our kids:

 

What is money?

  • Money is a type of currency that is used all over the world by everyone.
  • In the U.S., money can be traded in paper form or in coins.

 

When do we use money?

  • We use money whenever we have a need or a want for something.
  • Money can be traded for goods or services (doing something for someone else).

 

Why do we use money?

  • Money is a means to an end (it lets us buy the things we need and want).
  • A need is something that you cannot live without (like food, water, clothing, shelter).
  • A want is something that you do not need to live (like gum, candy, a bubble blaster, or the latest Nintendo gaming system, the Switch! 😉 )

 

Where do we use money?

  • Money is used everywhere and by everyone in the world.

 

How is money used?

  • We earn money by working for it. (You do a job and you get paid money for doing that job.)
  • People work so that they can earn money to buy the things that they need to live, like food & water.
  • You can also receive money as a gift for a special occasion (such as: birthdays, weddings, or holidays)
  • You can also choose to give money away as a gift or a donation to a charity (a place that does something good for others like an animal shelter or homeless shelter).

 

I hope this gives you an idea of what to say and how to communicate with your own kids about money. Our intent is to teach our kids about money as early as they are able to count.

In doing so, we hope that they will become more financially responsible as they become adults. As their parents, we believe it is our responsibility to bestow this knowledge onto our kids because we are their first teachers, and also because we have discovered that financial literacy is NOT taught in schools, even though it should be.

The next time you hear that ice cream truck come down your street, give your kids some money and let them pay for it. They will begin to have an understanding of what money is and how important it is to be able to save up for their very own treat.

Then give them two options:

 

Option A: Whether they would like to pay for the treat themselves

-or-

Option B: Whether they would prefer to go to the grocery store and pick up a variety pack for much cheaper.

 

Either way, ask for their opinion to see what they would say. Chances are, their answers will surprise even you when your kids have actually discovered the importance of being able to save up for their very own treat.

Here’s a fun free printable for you to print out and laminate to hang up in your kid’s room.

 

 

Whenever they see a new toy they want, ask them these 6 questions to see if it’s worth it for them to reconsider before they buy.

Make it a point to talk openly to each other about money, anytime you have the opportunity to do so with your kids so that it does not become a topic shrouded by mystery. It makes for a great conversation starter when you are trying to teach them about money concepts.

Enjoy!

 

Disclosure:

The purpose of this blog is to provide insight and enjoyment only. I am not nor do I claim to be an expert or professional in any manner. All opinions are 100% my own. Please do not copy any content from my website without my prior permission or written consent from me. However, you may link directly to my post for reference and to give credit.

Disclaimer:

This website contains affiliate links and sponsorships. I do not endorse nor would I recommend any products that I have not used nor trust to my readers. Thank you so much for your continued support in helping our small blog grow- at no costs to you whatsoever.

 

Contact:

Please contact me directly via email:  admin@fulloffortunes.com, if you have any questions and/or comments. Thanks for stopping by! J

6 Things You Must Do To Finally Eliminate Chaos And Embrace Order This Year

Photo Credit: Canva.com

 

Sigh, another year has gone and passed. As 2017 comes to a close, let us usher in 2018 with renewed hope and energy.  And let’s direct that renewed hope and energy inwards starting with us and our homestead.

If there was anything I have learned from the previous years, it was always a lingering regret of mine that I could have been a little bit more organized and a lot more intentional about my plans so that I could have reached my goals.

Every year, like clockwork, I have this little pep in me to start the new year off on the right foot with a clean slate and pour my thoughts out onto paper, all the things that I want to do during that particular year.

That’s all it ever was, just arbitrary things like painting the house or start a veggie garden or to simply just, put things into my phone’s calendar.

What actually ends up happening instead is me uttering for the hundredth time,

“Where in the world did I put my phone?”

“Has anyone seen it?”

“Are you kidding me? How in the world did it end up in the fridge?!”

This year is the year that I will get my life back in order once and for all!

Since I’ve discovered that I also like to moonlight as a detective (I leave myself post-it notes all over the house), I have found myself less likely to stray from my own worse enemy, short-term memory.

Here’s my 6 point checklist for how to combat my short-term memory loss and get us all back on track this year by slaying goals like fruit ninja:

 

I have used the Happy Planner last year and that was ok. However, this is the planner I am using this year and I love it! It has everything that I didn’t even know I needed, without me having to buy any additional sheets since it’s already included.

 

1. Plan It: For starters, I’ve been using a planner off and on during 2016 and 2017. I have noticed that when I actually take the extra 5 seconds to write things down in my planner, I tend to stick to it and things magically get done. Most people use either write out their plans using pen and paper planner or a type it digitally, directly into their phones or sync it up to their Google calendars to keep their lives in order. Me? I like both. In case, 1 dies unexpectedly, I’ve got a backup plan somewhere. I prefer to write it down, but I can’t stand the clutter that I create in the process, so I copy it digitally too.

  2. Divide & Conquer: If you’re married with kids, consider yourself lucky because you have a second battalion that you can enlist to fight your war against clutter. It’s pretty obvious that your family was the culprit behind your war on clutter, to begin with, so it’s only fair that you enlist them anyway. Make it a game and treat them to dinner or a treat at their favorite restaurant when they are finished helping the family stay clean and germ-free. Just like the FlyLady does, remind them that “many hands make less work and more time for play.”

 

This is a screenshot of my Iphone’s timer. However, I prefer the timer on my kitchen stove.

3. Set a Timer: If you must use your phone timer, great! That will work just fine! However, I prefer my kitchen timer because it is located in the central hub of our house and because no one knows exactly where my phone is at this very moment. This goes hand in hand with writing out your plan, see above in step #1. If you’re anything like me, you get sidetracked so easily that before you know it, the day is over and you feel as though you’ve accomplished nothing. Setting a timer will give you the motivation you need to stop dilly-dallying around and finally be able to knock out that task. You’ll be able to get more done in less time. It holds you and your kids accountable so they won’t see you as the bad guy when you try to enforce homework time. Remind them that we work now so that we can enjoy playing later.

Our weekly meal plan is nothing fancy. It’s a $3 dry erase board from Target that my daughter picked out. But don’t let the small price tag fool you. It’s nothing to shake a stick at because though it may be cheap, it makes up for its size and price by keeping us all within our food budget!

 

4. Meal Plan: If I have not said this before I will reiterate it again, I hate cooking, I only cook to survive. It’s true, my family will tell you a different story but that’s my story and I’m sticking to it. That is why I meal plan so that I can spend less time cooking and more time enjoying my family all while saving our hard-earned money. Thanks to MoneySavingMom.com, 5dollardinners.com, and PassionatePennyPincher.com, I have discovered that meal planning is a viable way to pinch our pennies so that we can pay down our debts. Not only is it much friendlier on our wallets, it is proving to be kind to our waistlines as well.

5. Switch-It-Up: Make a list, lots of them, in fact. Make them pretty, hang them up for your family to see, including yourself and your entire family in your tasks and goals. Then, everyone can either pick and choose their task or have mom & dad randomly assign them. This holds everyone accountable and we can all encourage one another so that Mom doesn’t always have to be the bad guy for yelling at her kids 20 times for them to put away their toys. We have found that it is a lot more fun to get each other on-board as a family to complete a task together so that we can all reach an end goal, such as  (drum roll) family game night!

6. Do Your Part: Do your part and go the extra mile. Not only does it spread goodwill within your family and friends, but it also instills a sense of responsibility in your kids when they see you overcome your own struggles and worked hard to complete a tough task. Along with that same thought, my daughter opened and ate a fortune cookie this week that read: “No one has ever died from sweating too much.” Now that’s what I call a smart cookie! 😉

 

 

Try these 6 things: keep on top of things with a planner, divide and conquer by delegating some tasks to your kids, set a timer to prevent shiny object syndrome, fatten your wallet by creating a weekly meal plan, switch up your routines whenever you get stuck in a rut, and finally do your part and go the extra mile.

So there you have it. If you’re looking to finally tame the chaos monster this year, look no further than the list above to keep your year free from chaos and achieve more than you have than ever before.

How do you conquer the chaos in your life? Share your thoughts below.

 

 

 

Disclosure:

The purpose of this blog is to provide insight and enjoyment only. I am not nor do I claim to be an expert or professional in any manner. All opinions are 100% my own. Please do not copy any content from my website without my prior permission or written consent from me. However, you may link directly to my post for reference and to give credit.

 

Disclaimer:

This website contains affiliate links and sponsorships. I do not endorse nor would I recommend any products that I have not used nor trust to my readers. Thank you so much for your continued support in helping our small blog grow- at no costs to you whatsoever.

 

Contact:

Please contact me directly via email:  admin@fulloffortunes.com, if you have any questions and/or comments. Thanks for stopping by! 

How To Save Time & Money With Walmart Grocery Pickup

(Note: Although, I was not compensated nor was I sponsored by Walmart for this post during the time it was published, all opinions, recommendations, and reviews are 100% my own. If, however, I may be compensated or sponsored by them in the future, I will update this post accordingly to reflect it as such.)

 

screenshot on 2/12/18 @ 11:42pm

 

Do you have a Walmart Curbside pickup location near you?

Omigoodness!  Guess what we just got here in town- grocery curbside pickup from Walmart!

Unless you’re a “kool kat” who lives in a hip and trendy place like SoCal, grocery curbside pickup will make your heart skip a beat too, like mine just did! It’s the next best thing since sliced bread.

 Do you have a local Walmart Curbside Grocery Pickup service in your area? Click here to check whether or not you do. If you do not have one yet, chances are it’s coming to an area near you soon.

 

 

Here’s how it works:

  1. Location: Simply click on the link above & type in your zip code to see if this service is available in your area. If it is, select your store where you’d like to pick up your groceries

 

screenshot on 2/12/18 @ 11:42 pm

 

 

2. Select: Select your groceries from the list of drop-down categories or do a manual search for your favorite brand of products

 

screenshot on 2/12/18 at 11:46 AM

 

3. Add: Then add any specific quantity of items to your cart

 

screenshot on 2/12/18 at 11:44 AM

 

4. When: Select the date and time that you will be picking up your groceries (usually available within 24 hours of your order confirmation)

 

5. Pay: Click the check out button and choose your payment option(s)

 

6. Confirm: Walmart will email your receipt and order confirmation. They will also give you a reminder call 15-30 minutes of your selected pickup time.

 

7. Pickup: Finally, drive to your store of choice (based on the availability of service in your area) at your scheduled time of pickup. Follow the signs to the curbside pickup area. If you don’t see the concierge, call the number that is posted on the orange Curbside Pickup sign on the front or sides of the building. Then, simply wait for your Personal Walmart Shopper to bring you a swag bag full of freebies (see pic below) along with your groceries.

 

 

How awesome is that?! ☺

Imagine staying in your favorite comfy pajamas as you hop in the car and simply pick up your groceries!

Or how about skipping the whole makeup routine altogether?!  

Think of how much time you could save?!

Personally, this saves me at least a good 20 minutes. Since I’m not prepping to go out in public, I don’t have to worry about my hair, face, or clothes. I just throw on a t-shirt and some jeans and then execute my “weekend mom routine.” I can easily, and more than willingly, set aside my “business mom routine” for a more important day.  

Now that’s a score for us introverts! Don’t you think?

This brings me to the MAJOR benefit of using the Walmart Groceries Curbside Pickup service:  no more interacting with that disgruntled employee whose ready to harp on the next live creature they see.

Another great benefit of using the Walmart Groceries Curbside Pickup service is that you are not constantly wasting your hard earned cash while cruising the grocery store with impulse buys.

10 for $10 specials anyone?

While a deal on a 10 pack of tuna might seem enticing to you, at first, unless you are looking for specific alternatives to eating meat, you may find those packets may expire faster than you can care to consume them. Thus wasting you more money.

Been there, done that, rotten food really sucks… 🙁

Yes! Sign me up yesterday, why didn’t they think of this sooner?

Yes, please!

Check out my free swag bag of goodies below!

They definitely made me feel like a modern-day Queen of Sheba here.

 

For my first grocery curbside pickup order, a really sweet Walmart Personal Shopper lady gave me a free swag bag of full of goodies that included:

  • a bottle of Snapple Straight Up Tea,
  • a bag of Paqui Brand Tortilla Chips,
  • a sample packet of Suavitel Fabric Softener Beads,
  • a sample bar of Quaker Oats Cranberry Almond Breakfast Bar,
  • and a handful of mixed flavored Dum Dum lollipops for my kiddos

 

 

Here are some things to consider before your first Walmart Groceries Curbside Pickup:

You must have a minimum order of $30 to be able to pick up your groceries.

Pros:

-Updated as of 8/30/2018: You can now download the Walmart Grocery app onto your smartphone to order groceries from the convenience of your fingertips while you are on-the-go running errands! Once you’ve installed the app, just type in your zip code to find the nearest location and start grocery shopping on your phone.

-Unlike regular grocery stores, Walmart Groceries Pickup is open all the time because you place the order and decide when you want to pick it up. 

-You can pick up your groceries on the same day if you place your online grocery order by 10 AM that day.

-You can use Walmart Groceries Curbside Pickup online & via mobile!

-You can use the coupon code below to save $10 on your first grocery purchase of $50  or more to save yourself some cash.

-You can use rebate apps like iBotta, Checkout 51, BerryCart, etc. to save even more money in your wallet.

-Your first three grocery shopping trips are free and then you will be charged $4.95 each time after that.

-If you happen to order an item that was out of stock, you can decide whether or not you want a comparable item by checking the “Allow Substitution” checkbox.

-Many times they will offer to swap out a bigger and better item for you,  like 3 lb. bag of organic Fuji apples if they are out of the 1 lb. bag of regular fuji apples for the same price.

-Your Walmart Personal Shopper will hand pick your produce, deli, or meats to make sure they are as fresh as possible.

-You can also specify in the comment box what you are specifically looking for and they will honor your requests for free.

-Household items like toothpaste and detergents are included in this service.

-I can scroll through my cart and look to see exactly what’s inside without the distractions of people, orchids, rotisserie smells, and background noise. (Thus sparing me from my guilty pleasures aka Reese’s peanut butter & Skittles.)

-I can shop in peace, from the convenience of my laptop. Instead of worrying about my kids clearing out the entire ice cream aisle when I’m busy being distracted by said orchids from above ^.

-I can scroll through and look at my previous order history and see what I can add or subtract to my grocery budget for the week or month.

-I can also use the scroll feature to see all the necessary ingredients without making an extra shopping list or meal plan.

-Seeing it all digitally saves me time and money as well as paper.

-What do you know, my pros list is longer than my cons list!

 

Cons:

-Although they do accept manufacturer coupons inside their stores, one of my biggest gripes is that Walmart Curbside Pickup does not accept coupons.

 

-You can use their Walmart Curbside Pickup $10 off of any $35 grocery purchase coupon code only once and it is only reserved for 1st-time customers only.

 

-You cannot combine your 1-time coupon code with any other offers.

 

-Variety of food items are limited especially specialty international cuisines.

 

-While you can go inside and grab a package of sushi from the refrigerated section of the store, you cannot order these via Walmart Curbside Pickup (at this time).

 

-Also, depending on your location and season, we have found that on several occasions, advertised items like mini bananas were not available when we came to pick up our groceries.

So either, this needs to be updated or it was erroneously advertised.

Although we may have been a little bit disappointed by this, it was not enough to stop us from automating our grocery errands with Walmart Curbside Pickup service.

 

   Score!!  Woohoo!

Dare I say, “fancy schmancy?!”

 Thank you, Walmart! You’ve really made my day that much sweeter.☺

 

   As if that wasn’t enough to entice you, Walmart is now offering a limited time discount code for first-time customers to simply try out their free grocery curbside pickup service!

 

  You will receive $10 off a minimum purchase of $50 and free grocery curbside pickup order with the link below:

https://refer.walmart.com/welcome.html

Try them out for yourself and let me know if it has changed the way you grocery shop too.

 

Disclosure:

The purpose of this blog is to provide insight and enjoyment only. I am not nor do I claim to be an expert or professional in any manner. All opinions are 100% my own. Please do not copy any content from my website without my prior permission or written consent from me. However, you may link directly to my post for reference and to give credit.

Disclaimer:

This website contains affiliate links and sponsorships. I do not endorse nor would I recommend any products that I have not used nor trust to my readers. Thank you so much for your continued support in helping our small blog grow- at no costs to you whatsoever.

Contact:

Please contact me directly via email:  admin@fulloffortunes.com, if you have any questions and/or comments. Thanks for stopping by! 🙂

 

 

 

How To Save Time & Money With Kroger ClickList

 

(Note: Although, I was not compensated nor was I sponsored by Kroger for this post during the time it was published, all opinions, recommendations, and reviews are 100% my own. If, however, I may be compensated or sponsored by them in the future, I will update this post accordingly to reflect it as such.)

 

 

screenshot 2/12/2018 at 11:37 AM

 

 Have you heard of the new grocery pick up service trend lately? Seems like everyone is hopping on that bandwagon too, and for good reasons. 

If you haven’t, you are surely missing out.

But that’s ok because I will let you in on the secret.

If you have, it is awesome and man does it make life a whole lot easier. Why?

Because you order your groceries, online! Yup! That’s right, online! (cue the singing angels)

Then you drive to the store and pick up your groceries.

Umm, so that means, in your pj’s, face naked as the day you were born and not one stitch of makeup to save your life, hair like an endangered bird’s habitat, all the while knowing that you are being quietly judged by the wait staff.

Yes please, I’ll take that.

What in the world?! How awesome is that?!

They even have people who select your groceries fresh to the pique of perfection for you on the day of your pick up!

Say you want slightly green but kinda yellowish bananas that are firm to the touch but still soft and sweet when you first bite into it?

Done! Just like that.

Man, that is some serious luxury! 

If this is your first time using Kroger’s Click List grocery pick up service, here are a few things you need to know to make this whole experience even easier.

 

screenshot 2/12/2018 at 11:38 AM

 

 

First:

  • Go to www.kroger.com (on your phone or computer, not available in the app yet)

 

  • Click on Digital Coupons, on the top menu bar or the left sidebar under the Savings tab

 

  • Scroll through to browse the coupons that are available 

 

  • Click Load to Card to select the coupons you want to use

 

 

Second:

  • Go to the left sidebar and click on the Click List

 

  • Use the search icon (magnifying glass) to search for items that you want -or-

 

  • Do a manual search on the left sidebar under each of the store’s categories

 

  • Select the quantity you want

 

  • Add it to your cart

 

Third:

  • Click on your shopping cart to edit items or to check out

 

  • Choose your pickup location by typing in your zip code

 

  • Choose the date and time you’d be available to pick up your groceries

 

Fourth:

  • Bring your Driver’s License or valid form of identification

 

  • Bring your credit or debit card with you

 

  • Remember to bring any additional paper manufacturer’s and store coupons you’ve clipped by hand to deduct from your total bill

 

  • You can also clip them digitally under the Savings tab, this makes it quick & effortless to save money

 

  • Follow the Click List signs in the parking lot

 

  • Once there, call the phone # on the parking sign in to let them know you’re here and in which parking spot #.

 

  • Lastly, save your receipts and upload a pic of it via your smartphone to rebate apps such as: ibotta, check51 amongst many other rebate apps to save even more cash!

 

Here are just a few of the pros and the cons that I have discovered from my recent experience(s):

 

screenshot 2/12/2018 at 11:40 AM

 

Pros:

  • Update as of 6/17/2018: You can now download use the Kroger app just like you would with the kroger.com URL on a desktop or any other device, including clipping digital coupons and placing online orders!

 

  • Convenience! Their hours of operation are from 7am-9pm, 7 days a week!

 

  • They also have same-day 2-hour pick-up now, based on first come first serve online reservations!

 

  • Your favorite items are saved from your previous grocery shopping trips, so you can buy repeat items if you need to do so.

 

  • The Sales Items of the Week category shows you which of your favorites are on sale that week highlighted in yellow.

 

  • You can combine your favorite sale items with the store digital coupons in the green font below each item to save even more.

 

  • You have the power to control what you want to buy before you pay because you can see your cart total adding up to the right of your screen (that means no more sticker shock when you get to the cashier!)

 

  • Because they will not care what you look like, just roll outta bed and go.

 

  • You don’t have to get out of your car, sans makeup ok! 🙂

 

  • You will save time and won’t waste a whole day walking around aimlessly through the store. 

 

  • You will save more money with their store and manufacturer’s coupons and see your cart before you pay.

 

  • There are more than 40,000 variety of items to choose from while you shop.

 

  • If your item is out of stock, Kroger will ask if you would like to allow a substitution and give you a comparable item in a bigger size for the same price of the original item that you’ve ordered at no additional cost.

 

  • Your first 3 orders are free and then you will be charged $4.95 per order thereafter. But I have found that by using a combination of digital and printed store and manufacturer’s coupons, I am saving an average of $25 from using the coupons before I even combine it with the sales. Therefore, the $4.95 means diddly squat to me since I am saving much more than that anyway.

 

  • If you ordered your groceries to be picked up the next day then you can make changes to your online order by midnight, the day before your scheduled pickup.

 

Cons:

  • Out of stock items, generally, most cashiers will replace your item with a similar brand item that’s bigger and better quality item for the same price.

 

  • Cannot place a ClickList order on Kroger app yet, it’s desktop only, for now.

 

  • Cannot order prescriptions thru ClickList, at this time.

 

  • You cannot make any changes to your online order on any Same-Day pickup orders.

 

  • There is a $4.95 service charge for additional orders after your 3rd free order

 

  • When it comes to cashiers, most are really nice and are genuinely great people. But be mindful that there is occasionally a bad apple here and there. Just remember to smile and be as polite as possible and rest assured that there is a survey on your receipt to fill out and give feedback (keep it civil and constructive) about your experience. They really do listen! 😉

 

screenshot 2/12/2018 at 11:41 AM

 

Some more things to consider:

  • You will need to have a major debit or credit card ready to be able to place your order online since no other forms of payment are accepted at this time.

 

  • You will be given an estimate of your costs, before coupons.

 

  • Your cashier person will adjust the final total when you arrive for your order pick-up.

 

  • Even with a few cons, I have found that it is definitely worth the time and effort to at least try it out.

 

  • After my first few times using Kroger’s ClickList, I received a free bag of their store brand Candy Corn, package of Chips Ahoy Cookies, as well as a Meal Planning Kit, just for being a repeat customer.

 

  • It was a cute little appreciation gift they gave me for trying out their service and for being a loyal customer.

 

  • They got an A for effort, right there.  😉

 

  • I have been hooked ever since.

 

Click here to find out more about Kroger Click List.

 

Do you have any curbside grocery pickups in your area? If so, leave a comment and let me know what you think of it.

 

Thanks for stopping by! 🙂

 

Disclosure:

The purpose of this blog is to provide insight and enjoyment only. I am not nor do I claim to be an expert or professional in any manner. All opinions are 100% my own. Please do not copy any content from my website without my prior permission or written consent from me. However, you may link directly to my post for reference and to give credit.

Disclaimer:

This website contains affiliate links and sponsorships. I do not endorse nor would I recommend any products that I have not used nor trust to my readers. Thank you so much for your continued support in helping our small blog grow- at no costs to you whatsoever.

 

Contact:

Please contact me directly via email:  admin@fulloffortunes.com, if you have any questions and/or comments. Thanks for stopping by! ☺

 

 

 

10 Do’s and Don’ts To Help You Beat Debt

Image Source: Pixabay

 

Disclaimer: This post may contain affiliate links. When you click on any of these links, I make a small commission at no cost to you whatsoever. Thank you so much for supporting my blog. 🙂

 

Unless you’ve been living under a rock your entire lives or you are one of the lucky few who happens to be born into wealth, you are no stranger to debt. It is mind-boggling to see how quickly and easily you can spend your hard-earned money.

Yet, on the flipside, you know how painfully slow and difficult it can also be to earn it and to save it. There simply are way better things that you would all rather spend your hard earned money on anyway.

And then you quickly find yourselves continuously digging deeper into a grave of your own doing. Yep, debt happens to the best of us.

Yes, even me.

Growing up, I was always taught that a successful life equated to hard work and continuous pursuits in education. Well for me, that meant getting a higher education, which meant either getting scholarships or taking out school loans in order to go to college.

I did BOTH…

We were pushed to try harder, to do more, so that we can make more money later on and buy a big house and live a lavish life because that was what success looks like. And like a house, higher education was treated as a “good debt” in our household, and so that was what we all believed because that was what we were taught.

I’m sure that’s what you were probably taught too. So that’s what I did.

And because of that, I now have a huge mortgage and matching huge school loans to look forward to every month for the next decade or so of my life. All because I was duped into thinking that this is the norm for everyone who wasn’t blessed to be born into a rich family. 

Or so I thought…

This was what I believed, up until recently when I discovered tons and tons of stories from people who have gone against the grain to dig themselves out of debt.

Sometimes, it might truly be your fault. You just can’t help yourself from the allure of the latest and greatest new tech toy that just came out this season.

Other times, you just happen to get served by a circumstantial “act of God,” at no fault of yours whatsoever. Perhaps you might have bought your first house only to find out later that it was swept away because it happens to be in the direct path of a deadly hurricane.

Or, you made an appointment for your annual exam expecting your usual clean bill of health only to be told that you have incurable cancer that can possibly cost you and your family a future of uncertainty and an insurmountable amount hospital bills afterward.

Whether it is due to health, an act of nature, or just exercising poor choice, debt happens and it happens to the best of us, believe me.

So what can you do to prevent it? It may surprise you to learn that there are many ways to soften the blow of debt and build yourself a soft cushion for when life strikes.

Check out these 10 Do’s & Don’t s On How To Beat Debt below:

 

1. Do Boss your money around: create a budget and tell your dollars and cents where to go. Be diligent with every penny and soon you’ll quickly find your peace of mind when you’re able to gain control of your money and not the other way around.

 

 2. Do get an umbrella: and start saving for a rainy day. Create a savings account for emergencies only, meaning do not spend it unless your life depended on it. Start off small, $25 per week, and by the end of the month, you would have saved yourself $100. Do this for a whole year and you would save yourself $1200, for when it really does rain.

 

 3. Don’t Bite Off More Than You Can Chew: Pull back the reins on your spending spree and start asking yourself if this item is a “need,” or a “want”. Do this for every purchase and you’ll soon make a routine out of it. If it is truly a “need,” give yourself the green light to buy it. However, if it is a “want,” it can wait a while until you have the cash available to spend later.

 

 4. Do Find Alternatives: Look for other ways to achieve the same effect, swap out an old item before replacing it with a new item, trade services with a friend who happens to be a hairstylist if you happen to moonlight as a good alterationist on the side; host a potluck night where everyone BYOB (bring your own beer) and/or side dish; think of free games or activities to do with the kids instead of going out to eat or spending money at the amusement park.

 

 5. Don’t Try To Keep Up With The Kardashians: simply put, do not spend money and buy things just to impress people that you do not like. Instead, let it be known that you are living frugally and chances are your true friends will respect you enough to follow suit. Because as we all know, “birds of a feather stick together,” find like-minded frugal folks to hang out with so you don’t succumb to the spending craze.

 

 6. Don’t Knock Meal Planning: do not underestimate the power of meal planning. A quick fast food run can be convenient, but it can easily rack up a $40+ for a family of 4. Take that number times 3 meals for 7 days a week and you’re easily spending upwards of $840  per week just on eating out for all your meals. (That’s a mortgage payment for some folks!) Do your family a favor by spending just $40 a week and plan out your meals. It will save your wallet, your waistline, not to mention your sanity for the cash you’ll be saving. Make this a priority on Sundays so that the rest of your week runs smoothly. Take advantage of grocery store loss leaders (the front page of sales ads) and buy items on sale. With the money that you can save on your weekly grocery bill, you and your family can rack up a nice fortune at the end of the month to pay down credit card bills or even start a fund for a nice family vacation!

 

7. Do Set Goals: Have a family meeting once per quarter and write down everything you plan to do this year, then next year. (Don’t worry if your goals change, it’ll happen.) Set up a savings account/fund for each goal and set aside a specific amount per pay period in order to reach that goal together as a family. Get your family to visualize the goal(s) and work hard towards achieving it together.

 

8. Do Celebrate The Small Things: Start off small, say, 3 days at a time, and keep a spending journal of all the things that bought and did not buy. Did you spend any money? If you did, can you return the item? If you did not, congratulations! You did it! You saved yourself some moolah in our hot pocket! You get a gold start for that. Now let’s have a homemade dessert and extend that 3-day goal into 7 days! There’s another homemade cookie waiting for you in the cookie jar with your name on it, in 1 week. You can do it! 😉

 

 9. Do Believe in Yourself: THIS IS NO SMALL FEAT. Otherwise, everyone in the entire world would be rich, right? But you have to be your own cheerleader and dig deep within to find the gumption and grit to dig yourself out of debt and save not only for you but also for the future of your family. You can do it! I believe in you.

 

 10. Do Move Forward: So you hit a stumbling block. You were working late yet again this week and you answered the bright yellow siren call of the double arches. It needs you and you need it, like right now. And even though you know it’s wrong, no burger in the history of all burgers has ever tasted better or half as juicy as the one you’re about to sink your pearly whites into right this second. You hate yourself but you just can’t stop. You just spent $25 on a subpar meal that will give you heartburn for the rest of the night because you were just too busy this week to meal plan and pack a meal from home. It’s ok, you heard me right, it’s ok.

This too will happen and it too shall pass because tomorrow is another day for you to try it all over again. 

It’s kind of like falling off a bike. Once you get tired of the bruises, you’ll either quit or you’ll suck it up and do it again.

 

Having debt can weigh you down and make you feel as though whatever it is you do, you just can’t seem to stay afloat for very long. At first, you may start to feel as though you are nothing more than just another cog in a constant hamster wheel, destined to spend your life trapped in this never-ending soul-sucking cycle.

It’s suffocating and can oftentimes feel like you’re being bound by shackles anytime you are faced with the temptation to spend money.

But it doesn’t have to be that way forever.

If you are ready and willing to take these small steps and be willing to sacrifice a few creature comforts now, you will set yourself up for a much more comfortable future later on in life. Because let’s face it, wouldn’t you rather be relaxing, digging your toes inside the soft sugary sands of a tropical island somewhere rather than digging yourself out of the grave of debt you’ve dug yourself into because of all the financial mistakes you’ve made in your youth?

The choice is entirely up to you. But for most of you, it’s a no-brainer, right?

As the saying goes, “there’s no time like the present.”

Now go out there and get it done!

 

Disclosure:

The purpose of this blog is to provide insight and enjoyment only. I am not nor do I claim to be an expert or professional in any manner. All opinions are 100% my own. Please do not copy any content from my website without my prior permission or written consent from me. However, you may link directly to my post for reference and to give credit.

Disclaimer:

This website contains affiliate links and sponsorships. I do not endorse nor would I recommend any products that I have not used nor trust to my readers. Thank you so much for your continued support in helping our small blog grow- at no costs to you whatsoever.

 

Contact:

Please contact me directly via email:  admin@fulloffortunes.com, if you have any questions and/or comments. Thanks for stopping by! 🙂