How to Save on Medical Expenses


If you’ve been trying to figure out how to save on medical expenses, here are a few ideas worth trying out! Just last month as I was picking up a prescription I reminded myself that I needed to try a few of these out again as well, and I’d love to here your suggestions also.  Here are a few ideas:


  1. Use generic prescriptions when you can. Many prescription medications are available in a generic form, and it can help you pinch quite a few pennies by opting to use the generic form instead of the brand name prescription.
  2. Search the internet for coupons on regular (non-generic) prescriptions. Just this morning I googled one of the prescriptions we regularly purchase, and found a coupon for $15 off each prescription for the next six times I pick up this certain medication. While that doesn’t sound all that exciting, that’s a whopping $90 off ~ not too shabby for two minutes worth of searching!
  3. Find which stores offer your prescription at the most discounted rate. Some medications are less expensive at warehouse stores such as Sam’s or Costco, so it’s worth finding what the price is on your medications there rather than overpaying at a local pharmacy.
  4. Consider trying out CVS. Right now CVS has some fantastic bonuses for filling your prescriptions there, and if you’re a regular CVS shopper you can really benefit from these since you’re filling prescriptions anyways.  Basically, fill 10 prescriptions at CVS and get $5 ECBs, plus find out more ways to earn extra care bucks which are definitely worth checking out.
  5. Ask for a discount on your bill when you pay it off in full. I received this great tip from a reader yesterday who had to pay a fairly large medical bill to her local doctor’s office. Oh a whim, instead of just paying the amount, she asked if they would give her a discount for paying it in full immediately when calling to make her payment. Sure enough, they gave her a 10% discount which saved $50. It never hurts to ask, and it might help you save a little extra money!


Your turn now! What tips do you have for saving money on medical expenses? I’d love to hear your ideas, so take a minute and leave a comment to share what’s worked for you.


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Help! What (Penny Pinched) Suggestions Do You Have For A Week In Orlando?

I received a question from a reader, but I’m not sure how to help her out so am hoping you’ll have some great ideas! Here’s her question. .  .
We’ve been offered the use of a friend’s timeshare in Orlando, and our lodging would be practically free for a week! However, we are on a VERY tight budget and can’t really afford park tickets. My boys aren’t really into Disney, but I wondered about Universal or other “NON” disney parks down and if you knew of any tips to get discounts?
Any suggestions? Leave a comment to share . . . I can’t wait to hear what you all come up with!
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Upcoming Coupon Class In North Alabama (5/16/14)


I’m so excited about our upcoming coupon class that my friend Shannon and I will be teaching THIS Friday, May 16th at Asbury United Methodist Church in Madison, Alabama from 6:30 – 8:30 PM!   We’ll discuss how to save money at Aldi, Target, Publix & Kroger, as well as share basic information on drug store coupon policies. We’ll also talk about how to organize your coupons, what all those crazy abbreviations mean, and where to begin if you’re a new couponer!


A donation of $5 for the coupon class is requested, and can be paid at the door.  A portion of all money received will benefit the Northeast Alabama Fellowship of Christian Atheletes.  We’d also love if you would bring a canned food item to donate to Asbury’s Food Pantry!  There’s a link to the registration form that I’ll leave up on the right side of the page.  If you’re a new couponer (or even have been at this penny-pinching stuff for awhile . . . ) we’ll hopefully teach you a few new tricks, and promise to answer all your questions.  We can’t wait to meet you there!
Eventbrite - Penny Pinching Coupon Class
Not in the North Alabama area?  Check out the list of beginners tips and videos, and as always, feel free to ask questions in the comment section or on the PPP Facebook page.  We’re always happy to help!



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Saving. Giving. Living Abundantly.

piggy bank images

“Do all the good you can. By all the means you can. In all the ways you can. In all the places you can. At all the times you can. To all the people you can. As long as ever you can.” ~ John Wesley



Recently I heard a great theory on finances from John Wesley that Dave Ramsey mentioned. (Have I shared lately how much I love the Dave Ramsey Channel on I Heart Radio?)


From what Dave Ramsey said (I couldn’t find an exact quote), John Wesley had the following beliefs on how to order your finances:

  • Give 10 percent.
  • Save 10 percent.
  • Live on 80 percent.


How simple (although not always easy) is that? Depending on where you are financially, that may sound like way more than you can imagine saving and giving right now. . . or it may be less.  But I love the idea of a very concrete, simple way to plan your finances, and know that it makes such a difference in how we handle our own finances when we put a plan of action into place prior to spending.  Even if giving and saving 10% sounds overwhelming at the place you’re at right now, consider trying to save and give just 5%, and slowly moving up towards your goal in the course of the next year. . . I promise the fruit of your labor will be abundantly blessed!


Do you have a pre-determined plan for every dollar in your family’s budget each month, or have you seen changes in your budget when you’ve chosen to give and save first?  Whether you have a ridiculously organized budget (like my sweet engineer-of-a-husband organizes), or even just a simple plan of attack each month, simply choosing your financial priorities before spending a dime can have a significant impact on your finances.  I’d love to hear your thoughts. . . please take a minute and leave a comment to share!

Be sure to also read this post including tips on how to invest wisely ~ it’s made such a difference for our family, and I know it can change your family’s future too!

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Are You Investing Wisely?

I talked with my husband earlier this week about writing this post, and when I asked why he thought it was important for people to invest wisely, he quickly replied “So you don’t have to use coupons forever!”


Ahem.  Clearly he doesn’t realize we’ll be clipping coupons until the day we die.  Even if we have a billion dollars. (Sorry, honey.) ;)
However, in a tiny way he’s right. Back when my  husband got his first “real” job out of college, he immediately opened an investment account for retirement. At that point he didn’t have any debt, and knew just enough about investing to understand that starting early could change his financial future.


Because that’s the way he started, it’s what we’ve always done. We’ve always known that a certain portion of our income was untouchable, and it’s automatically gone towards retirement savings from the very beginning.


I realize though that we were incredibly fortunate to start things out early that way. The fact that he was out of debt from day one gave us so much more freedom to save for retirement. He was also incredibly fortunate to receive wise financial council from the very beginning (which I’m so thankful for!) However, not everyone is in that boat, and you may be someone who just doesn’t know where to even start.


Whether you have a little money or a lot of money to save towards investments, every penny you save now towards retirement will be worth it. My dad talks a lot about the “Rule of 72″ when we talk about investing (he’s smart like that), and while it’s not perfect advice, you can bet within reason that on average, every seven years, the money that you’re investing now will double.


Double. Every seven years. Did you hear that?  


Over the course of time, that doubling can really add up, and while it can be difficult to choose to put money into savings when you’d rather spend it else where,  watching your own money grow over time can be some great motivation to keep at it!  Check out this Investment Information from Dave Ramsey that I thought was invaluable . . .


Even if you’re 40 or 50 and don’t have a retirement account, it’s never too late to start. If you are 40 and save just $2,000 a year in a 12% mutual fund, you will have nearly $334,000 by age 65—or more than $425,000 if you wait until 67 to retire! While you won’t have the most luxurious retirement, you can draw a decent yearly income—about $34,000 if you account for 4% inflation—from the interest by leaving that money alone.


So, where do you start? If you’re new to investing and just don’t know how to begin, contact one of Dave Ramsey’s Investment Endorsed Local Providers today. There are so many things you can start investing for, but you’ll never make a dent in your financial goals if you don’t get started.


Take a few minutes today to find out how to get started investing (and learn if you’re investing enough), by talking to a local, trusted advisor.  Go HERE to contact an Investment Endorsed Local Provider in your area, and find out what you can be doing to change your financial future!


Don’t forget you can also talk with one of Dave’s Endorsed Local Providers to help you save on your taxes, homeowners insurance, long term care insurance, and even to find a realtor.  Contact your local ELP to make sure you’re investing wisely, and change the outcome of your finances today! 



This is a sponsored by Dave Ramsey’s Endorsed Local Providers, however all opinions are my own. 


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Grocery Budget Check Up Week 8


How are you doing on your grocery budget this week? Our pantry was pretty full after last week’s shopping trips, so I made a quick run to Publix yesterday and that was it for the week. We’re eating a lot from what we already have on hand, and I’m working really hard to be resourceful with what’s in the kitchen rather than making an extra trip to the store.


Guess what? It works!


We spent just $23.42 this week at Publix (while saving $27 – not all that exciting but I’m still keeping life simple around here), and I may use some of our extra cash this week to pick up fresh fruit at Sam’s Club or Aldi.  So, nothing too exciting to report, but I’m thrilled to be way under our grocery budget for the week, leaving me extra moo-lah to spend on the things I really love to buy. ;)




I’m still keeping tabs on my grocery expenses with just an envelope each week ~ you might want to do the same thing to hold yourself accountable too!   I’m amazed at how much that’s helped me stay on track this year – just knowing that I’ll have to account for whatever I purchase in that envelope really makes a difference.

Have you stock to your grocery budget this week? Remember that couponing is not a competition, but I do encourage you to do the very best you can do with what you have right now ~ you have the power to save so much on your grocery budget in 2014 if you really determine to do it! Feel free to also share how you’ve been doing in the comments section, and we’ll work on it together. ;)


Share how you’ve done this week by clicking HERE ~ I love hearing from you!

(You can also download this free printable monthly budget spreadsheet if you’re new to budgeting ~ go HERE to get yours.)


New to budgeting and don’t know where to begin? Here are a few posts to you get started:



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Easy Ways To Save $10 Each Week

(See how we enjoyed this frugal feast last summer for just $1.49)


Over the last few months while I’ve had some anxiety about our upcoming move, I’ve really buckled down on how I spend every penny each week. As I’ve shared before, we take out a certain amount of  money every two weeks for groceries, miscellaneous expenses and eating out, and for the fourth time in a row, I think I’ll come out this week ahead of the game. Success! 

(Here’s when we spent $3.49 on dinner – love that!)

Here are a few things have worked for our family and might work for you too:


Eat at home. I can’t tell you how many nights in the past few weeks I’ve wanted to skip cooking and pick up dinner on the run, but determining to use what I already have on hand has saved us anywhere from $25-$50. Last night when we had a last minute showing of our house I really (really!) wanted to skip cooking (my menu plan flew right on out the window), but instead glanced in the freezer and found salad, ravioli, and garlic bread. My kids were thrilled (they love ravioli night), it took me less time to prepare than a trip through the drive thru would, and easily saved us $20.


Take advantage of the leftovers. So often I pop our leftovers in the fridge, and then let them hang out there until they turn green enough for me to throw them out. ;)  I’ve really been trying to make myself eat the leftovers while I’m at home for lunch (you would think I’d be doing that already, right?), so that we’re not wasting any of the food that’s been cooked at home. This has easily saved me $10 each week , and I’ve felt so much better not letting all that food go to waste!


Use what you already have. Last week after making breakfast for dinner our home reeked of bacon. I wanted to bake a batch of brownies so our home would smell a little sweeter when people came to look at the house (I’ve  heard brownies work wonders for home sales), but when I got to the pantry we were all out of brownie mixes (eek!) Instead of heading to the store and paying full price for a box mix, I remembered the fourteen bags of chocolate chips I stocked up on at Dollar General a few weeks ago. Then I found this recipe on All Recipes, and just used what we already had on hand. Do that a few times a week, and you could easily save $10 if not more!


Plan ahead. My kids seem to always have some kind of school project lurking around the corner, so the last time I was at the Dollar Tree and found their project boards for $1 (and poster boards for even less), I stocked up and bought 6 sheets of poster board and 4 project display boards. (I typically only buy what they need, but it drives me nuts to have to pay full price!) Since those boards can cost up to $8 a pop at the local office supply store, this was such an easy way to save $10 simply by purchasing the things I knew they would use at the very best price I could find them.


Now, I know none of these ideas are earth-shattering, but they WORK, and really can help you reach your financial goals. If you’re in a place where you need to scale things back financially, consider coming up with ways to use what you already have, and really trim out excess things you can live without each week. Ultimately, we’re in charge of every dollar we spend, so let’s choose wisely where it goes!


Have you come up with any easy ways to eek out an extra few dollars each week? While $10 doesn’t sound like much, it adds up to a whopping $520 a year, and there are plenty of things I could find to purchase with an extra $500 bucks.  Also see how our family saved $320 in less than five minutes, and share your ideas for pinching an extra few pennies each week too!


  Are you working on your 2013 taxes? Be sure to read this post on How To Save On Your Taxes Today ~ it will save you money and time (promise!) Also easily save hundreds each year just by making sure you’re getting the best price on Homeowner’s Insurance ~ it worked for us, and can definitely work for you too.

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Are You Paying Too Much For Your Homeowner’s Insurance?





  • A trampoline for my kids (they really want one)
  • Groceries for over a month for our family of five
  • Quite a few cute outfits for my kiddos
  • A cute outfit or two for me ;)
  • Three nights in a hotel room (have I mentioned lately how much I love traveling?)
  • A few new rocking chairs for my front porch
  • Some much needed new bedding for my youngest daughter’s bedroom


And all that $360 cost us was a ten minute phone call. Talk about a great hourly rate!


Have you checked lately to make sure you’re getting the best price on homeowner’s insurance for your family?  For just a few minutes of your time, you can contact one of Dave Ramsey’s Endorsed Local Providers (an ELP) who works specifically to find the best insurance policy and price to suit your family. Contacting an ELP is completely free, and you can get a better idea as to whether or not you’re getting the most value for your money with your current insurance plan.


There are lots of bills in our family’s budget that I have no control over ~ I can’t drastically change my mortgage payment, water bill or electricity bill without making some major changes in the way we live. However, I’ve got  complete control over my grocery budget (my favorite way to save each week!), and with just a quick phone call my husband took control of our insurance bill and saved our family $360. A quick call to a local ELP may save you $30 a month or even more, and it won’t cost you a thing!


Try contacting your local insurance ELP to see what discounts they can offer you. Dave Ramsey’s Endorsed Local Provider program is also a great place to find tax help, a local realtor, or even investing advice.  To get more info, click HERE and save on your home and auto insurance today!


This is a sponsored by Dave Ramsey’s Endorsed Local Providers, however all opinions are my own. 



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Are You Going The Right Way?

piggy bank images


I have a tendency to get lost way too easily when I’m driving. It happens all too often, almost every time I visit a new area, because I simply fail to devise a plan before heading out (and am a little navigationally challenged to begin with.) :)


Once I was driving in Atlanta (on Peachtree Boulevard, of course), and sure enough, got lost.  Now I wasn’t horribly lost. . . I could almost see the road I needed to be on the entire time I was turned around.  But for the life of me, I just couldn’t get my car steered in the right direction.  Here was the problem:  every time I recognized I was heading in the wrong direction, I turned around, checked my map for directions, and then *hoped* I’d make the right turn, but never really determined a plan.


I never really understood where the map was pointing me, but kept hoping that if I made a different turn, eventually I’d end up in the right place.  After about twenty minutes of one-way streets, no-left-turn signs, and u-turns through tiny parking lots, I finally was headed in the right direction: home.


It’s so easy to do the same thing with our finances. Instead of putting our financial goals into action, we turn back and forth, not sure where we’re going and without any sense of direction and purpose.  We want to see a change in our finances, but simply fail to come up with a way to get there. (I understand, I do the same thing all too often!)


Without a written budget, there’s no way to know for sure where you’re going. Whether you have a simple pen and paper budget or use a basic spreadsheet in excel, sitting down and writing out the plan for your pennies each month can transform your future. (You can also download our family’s free budget spreadsheet for an idea on where to get started.)


Do you use a cash budget and have you found a difference in your spending because of it?  Or, are you struggling with starting one and trying to determine where to begin?  Today’s a great day to start. . . make a decision to decide where you want your money to go right now!


 Are you working on your 2013 taxes? Be sure to read this post on How To Save On Your Taxes Today ~ it will save you money and time (promise!)


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Grocery Budget Check Up Week 5: Spent $51.41



How’s your grocery budget looking this week? As I have so much on my plate right now, I haven’t been able to shop as much as I’d like (so I’m oh-so-thankful for my little stockpile!)  I did make a quick run to Publix for their best deals earlier in the week, and also stocked up this morning at Dollar General Market on fresh fruit and milk to get us through the weekend.


While I was at Dollar General I thought I need to start making a weekly trip on Saturdays when they offer their $5/$25 coupon, because I could easily find $25 to purchase there in just produce and milk alone (plus I need to check, but I think they have some great deals on paper products and a PPP reader mentioned she loves their prices on coffee!) I also ran to Target for the M&M deal earlier in the week, so now we’re stocked up for Valentine’s Day. ;)


(I’m still keeping tabs on my grocery expenses with just an envelope each week ~ you might want to do the same thing to hold yourself accountable too!)



Here’s where our grocery budget went this week:


  • Publix $38.17 (saved $45.07)
  • Target $2.59 (saved $6.53)
  • Dollar General Market $10.65 (stocked up on produce)
  • Total: $51.41 
I also swung by Bruegger’s this morning to score a few free bagels (my kids are going to be so excited.) ;)
Have you stock to your grocery budget this week? Remember that couponing is not a competition, but I do encourage you to do the very best you can do with what you have right now ~ you have the power to save so much on your grocery budget in 2014 if you really determine to do it! Feel free to also share how you’ve been doing in the comments section, and we’ll work on it together. ;)


Share how you’ve done this week by clicking HERE ~ I love hearing from you!

(You can also download this free printable monthly budget spreadsheet if you’re new to budgeting ~ go HERE to get yours.)


New to budgeting and don’t know where to begin? Here are a few posts to you get started:



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