Printable Organic Coupons

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organic couponsHere’s a round-up of the best natural and organic coupons of the week, compliments of All Natural Savings. New additions and reset coupons are shown below. For the full list of current natural and organic coupons, click here.

$1 off any 2 Earthbound Farm organic produce products

$2 off any Emergen-Zzzz dietary supplement

$1 off any Kashi cereal or wholesome snack bar

$1 off any Newman’s Own Frozen Pizza

$.75 off any Newman’s Own Salad Dressing

$1 off any Newman’s Own Skillet Meal

Click here to see the entire list of natural and organic coupons available this week.

Restaurant Coupons

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If you plan on eating at a restaurant any time soon you will definitely want to check out this list of coupons to save on your bill.

5 Ways to Save on Your Restaurant Bill

Top Restaurant Coupons:
BJs – $10 Off $35 Purchase (exp: 7/6/2015)
Black Angus Steakhouse – $17.99 Mixed Grill Trio (exp: 7/7/2015)
Brueggers – $1 Off Burger (exp: 7/5/2015)
Carls Jr – $1 Off Any Size Grilled Pork Chop Biscuit Combo (exp: 8/2/2015)
Carrabbas – 20% Off Meal (exp: 6/28/2015)
Chuck E Cheese – $19.99 for 1 Medium 1-Topping Pizza, 2 Drinks & 30 Tokens + More (exp: 7/6/2015)
Daphnes Greek Cafe – $5 Off $20 Purchase (exp: 7/5/2015)
Dennys – 20% Off Entire Purchase (exp: 6/28/2015)
First Watch – $2 Off Any Entree (exp: 6/30/2015)
Great American Cookie Company – Buy 3 Cookies Get 1 Free Cut-Out Cookie Free (exp: 7/31/2015)
Hardees – $1 Off Any Size Grilled Pork Chop Biscuit Combo (exp: 8/2/2015)
Jacks – $3.33 Hamburger, Fry, Small Drink & Pie + More (exp: 7/5/2015)
Logans Roadhouse – Free Dessert Flight with $11.99 Adult Entree or More (exp: 6/30/2015)
Marie Callenders – $5 Off $20 Purchase (exp: 7/15/2015)
Mimis Cafe – Buy 1 Get 1 Free Entree When You Buy 2 Drinks (exp: 7/11/2015)
Monicals Pizza – $21 for 16 Inch Thin Crust 1-Topping Family Pleaser (exp: 6/28/2015)
Outback Steakhouse – $5 Off 2 Dinner Entrees (exp: 6/28/2015)
Papa Johns – Free Large Pizza on Future Order with $15 Purchase (exp: 6/28/2015)
Rubios – $1 Off Tostadas Frescas (exp: 7/5/2015)
Souper Salad – $6.49 Adult Buffet (exp: 7/5/2015)
Sweet Tomatoes – 25% Off Dinner Family Combo + More (exp: 7/1/2015)
White Castle – Buy 1 Get 1 Free Sriracha Chicken Slider or Ultimate Sriracha Chicken Slider (exp: 7/15/2015)

Thanks to Surviving the Stores for this list!

Tips to Teach Kids Financial Responsibility

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How to teach kids financial responsibility

We’ve all been there, our eyes glaze over as one kid starts to explain that they too need the new and latest tablet.

The problem is that as a busy parent you don¹t exactly have the time to plan out chores so your child has to earn the latest gadget or toy they want and all too often you just give in and purchase it. This has to end, for your future and for your kid’s.

My Job Chart is the perfect tool for this task. My Job Chart is a unique app that makes it easy for parents to assign chores with the tap of a finger and send an alert to their kids. For each chore they can select how many points their child will earn and the app lets parents determine how many points their child needs to earn before they receive a reward like a new a tablet or a trip to the ice cream store.

To help move your child in the right direction, Greg Murset, CEO of MyJobChart.com and a Certified Financial Planner offer the following out of the box suggestions:

No More Hand Outs.
Start the year off right by deciding that you are not going to just shell out money to your kids anymore. When they come to looking for money, let them know that they will have to work for it. The bank is now closed unless they start pulling their weight a little more around the house. Tying work and reward together in some meaningful ways will help them understand responsibility and accountability. It will also help them understand that in real life, no one ever gets money for doing nothing.

Smash The Piggy Bank.
Piggy Banks are a bad way to teach kids about money. That’s right, take that piggy bank and smash it or throw it away. Long gone are the days when we should be teaching our kids about money by dropping coins into a bank that looks like a pig, jar or favorite sport team mascot. Using banks like these only teach children about money in a manner that isn’t as relevant anymore. Get them a real bank account and teach them how to manage their money though online services. It is far more useful to learn to manage money in a bank rather than a pig.

Make Kids Pay… For The Cell Phone, That Is.
According to Consumer Reports the average mobile phone user spends about $600 a year. If you do the math, you’re going to be shocked at how much you are going to be shelling out over the years so that your kids can send hundreds of meaningless texts each month to their friends! Kids should pay some, or all of their phone bill each month. This is a perfect opportunity for you to sit down and teach your children about how much things cost, especially things that they seem to think they are entitled to for some reason. This is also a great time to discuss the things that they can do around the house to earn the money to help pay that bill.

Play The Match Game.
Set up a matching program for your kids. They save a dollar and you match that dollar. Yes, 100% return. Sit down and determine what they would like to save for and then set out to accomplish it together. This is a great opportunity to talk about short term, mid-term and long term goals. When a child learns the power of savings like this at an early age, what do you think will happen when they get their first job and they learn about the 401(k) program that is available?

Comic Books To Teach Kids About Money? Now That’s Just Dumb.
Last year Visa teamed up with Marvel to put a comic book together to teach kids about personal banking practices. Talk about a square peg in a round hole. They supposedly were going to distribute 150,000 of these square pegs in eight different languages. Why does something as important as personal finance have to be jammed into little white blurbs above super heroes heads in a comic book? Parents should be fighting to get personal finance taught in our schools, this way, comic books can remain fun.

Make Them Better Givers.
No matter how your children earn their money, make sure they plan to donate a portion of it to a charity of their choice. The average American gives away about 4% of their annual income to charity and perhaps that percentage would increase if the next generation made giving a common practice as soon as they learned how to throw coins into a bucket.

Set Goals That Are Meaningful.
A start of a new year is a great time to sit down with children and talk goals. Meaningful goals. Help your children put together a plan on working toward and saving for something significant. It could be a bike, musical instrument, laptop computer or go-kart. The more meaningful the item, the harder our kids will work to earn it and they will take care of it.

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About MyJobChart.com:
MyJobChart.com, based in Scottsdale, Arizona, is a free, easy to use, online and mobile job chart and reward system designed to teach, organize and motivate kids to earn, save, share and spend responsibly. Bringing together the latest technology and basic personal finance principles to help parents teach their children responsibility, accountability and how to manage money wisely. Over the past two years, MJC kids have completed over 19.5 million jobs and earned nearly $3 million. MyJobChart.com can also be used through its Apple and Android mobile apps, allowing parents and kids the opportunity to save, share and spend from anywhere. For more information, visit www.myjobchart.com.

Homemade Jell-O Pudding Pops

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Homemade Jell-O Pudding Pops

I grew up watching The Cosby Show and seeing Bill Cosby with his Jell-O Pudding Pops on television every Saturday Morning.

Unfortunately, I haven’t been able to find Jell-O Pudding Pops at the grocery store in a long time.

I’ve heard they no longer make them, but rest assured you can still make them at home with this Homemade Jell-O Pudding Pops recipe.

These Patriotic Pudding Pops are the perfect summer treat!

homemade pudding pops

INGREDIENTS (Yields 5 3 oz pudding pops)

1 box White Chocolate Jell-O Instant Pudding
2 cup Milk
Red and Blue Food Coloring

DIRECTIONS

Mix milk and pudding in bowl for 2 minutes.

Divide into 3 equal portions.

Color 1 portion red with about 15 drops of food coloring.

Color 1 portion blue with about 15 drops of food coloring.

pudding pops

Transfer each color to a zippered sandwich bag.

Clip the corner of the blue and pipe it equally into the bottom of 5 3 oz Dixie cups.

Lift and gently tap each cup on the counter to level up the pudding.

Repeat this process with the white and then red colors.

Insert a popsicle stick in the middle of each cup and place in freezer for 4-5 hours or until firm.

If you are looking for more Patriotic Recipes, check out these Homemade Ice Cream Sandwiches, Berry Trifle, Chocolate Dipped Oreos and Homemade Snow Cones.

You might also be interested in some of my other recent recipe posts.

Follow Kristie (Saving Dollars and Sense)’s board Saving Dollars and Sense on Pinterest.

BRAND NEW Premium Starter Kit, Complimentary Wholesale Membership and How to Get $50 in Freebies From Me!

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I am SO excited to share this brand new Premium Starter Kit that has just been released today!

I received the kit already and have to tell you this kit is just awesome! Not only is it absolutely gorgeous, but you also get to choose from 4 different diffuser options!

If you have been thinking about trying essential oils, I have to tell you that I have found that choosing a premium starter kit is by far the very best way to get your hands on lots of oils and save money too!

Ordering a Premium Starter Kit is the only way to receive a wholesale membership that will allow you to save 24% off regular retail prices!

Read How to Save Money on Essential Oils to find out why I think a Premium Starter Kit like this one is the best way to get your hands on high quality essential oils without overspending.

Let me add that you are never obligated to make another purchase ever….but if you did want to order more later why wouldn’t you want to save 24% :)

new kit

Included in the Kit:

  1. The Everyday Oils Collection with 10 of Young Living’s most popular oils
  2. Bonus Stress Away essential oil to bring your collection up to 11
  3. Diffuser of Your Choice (Home, Dewdrop, Bamboo or Aria)
  4. Oil Sample Packets
  5. Oil Sample Bottles
  6. Oil Sample Sharing Cards
  7. 2 Packets of NingXia Red
  8. 1 Roller Ball to turn any oil into a roll-on
  9. Wholesale Membership
  10. Educational materials

The new kit now includes three member favorites and some of the most popular essential oils that Young Living offers – Copaiba, DiGize, and R.C. essential oils!

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Young Living essential oils occasionally go out of stock due to the seasonality of some oils which in the past has resulted in back orders.

The new Premium Starter Kit now include several Flex Oils to ensure you won’t have to wait on an out of stock oil.

“In the event that we run out of any essential oils in the new Premium Starter Kit, we are introducing flex oils. We do not anticipate you will need this option, but in the event of supply difficulties, certain oils will be temporarily placed in the kit as substitutes. The flex oils were chosen for their ease of sourcing and relative price comparability, rather than equivalency in terms of usage. The five flex oils selected for this purpose are Lemongrass, Orange, and Tea Tree essential oils, as well as AromaEase and Citrus Fresh blends.”

Plus if you choose to order your Premium Starter Kit through me using my member #1580039 then I will send the Welcome Kit filled with freebies that I send everyone that orders through me!

starter kit freebies

The Welcome Freebie Kit includes:

  • Reference Materials ($25 worth) that you can use to find out how to properly use your essential oils to support overall health and wellness.
  • $20 Amazon Gift Card to use on anything else you might need.
  • Bottle Cap Labels to help you find what you need quickly.

Even though I believe that with just the Premium Starter Kit, Reference Materials and bottle cap labels you’ll have everything you need to successfully incorporate essential oils in your home, I also want to give you a $20 Amazon Gift Card that you can use to purchase anything else you might want to add to your oily arsenal.

And I don’t plan to leave you alone on your journey :)

I will get you added to our exclusive members only Facebook Groups where you can connect with others who are on the journey with you!

If you are ready to buy a starter kit, then be sure to sign up as a wholesale member (with one of the premium starter kits) through the instructions below to take advantage of these freebies!

1. Head over to the Young Living page here and fill out your information. Be sure the “Wholesale Member” option is checked so that you don’t end up paying retail prices (which are 24% more than wholesale). Be sure the “sponsor ID” and “enroller id” say 1580039 (so that I can send you your freebies!)

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2. If you do not feel comfortable putting in your social security number (this is only for tax purposes if you decide to turn this into a business) then you can get an EIN from the IRS in just a few seconds here and use that number instead (the IRS just needs to be able to connect some number with you for tax purposes).   They need a Social Security Number or an EIN because if you make $600 or more per year selling Young Living products, you will receive a 1099 form in the mail (which is required by law). Young Living will never share this info with anyone.

3. Select which starter kit you want to get. My recommendation would be the Premium Starter Kit (and that’s the one where you get all of the freebies!) Those are the oils that I use almost every single day! You can get the kit that’s $150, or you can get a kit for $160 with the bamboo essential oil diffuser!

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4. I’d recommend skipping the Step 3 (Optional) part of the sign-up process. I’ll send over an email with more details on that part of things after you sign up (if you’re going to be purchasing products monthly then it’s a great program that will give you credit back with each order and save you on shipping costs).

5. Go through the checkout process.

6.  After you sign up, send an email to krsawicki@yahoo.com mentioning the code “SDSOILS” and letting me know that you signed up through this promotion so that I will know to send you your freebies!  Feel free to ask any questions in the email and I will also help you find the information that you need.

Also fill out this form to get your freebies:

IMPORTANT:  This promotion is only available when you sign up with the sponsor ID and enroller ID as #1580039.  Also, if you recommend this promotion to a friend (or group of friends) and they sign up too through this promotion then please let me know so that you can get credit for referring them.

{Scroll down for several frequently asked questions!}

*Disclaimer: These statements have not been evaluated by the Food and Drug Administration. This information is not intended to diagnose, treat, cure or prevent any disease. The information on this site is not intended or implied to be a substitute for professional medical advice, diagnosis or treatment. Please confirm any information obtained from or through this web site with other sources, and review all information regarding any medical condition or treatment with your physician. Never disregard professional medical advice or delay seeking medical treatment because of something you have read on this website.

Frequently Asked Questions:

Does signing up make me a “distributor”?

Nope! You are not required to sell anything at all to anyone. When you become a wholesale member, you get a special link that you can share with friends and get credit from their purchases, but there are no minimum sales amounts at all. In fact, 90% of the wholesale members in Young Living don’t do the business side at all. They are buying from Young Living because of the quality alone.

Am I required to make a minimum purchase each month?

There are absolutely NO minimum monthly purchase requirements. To remain a wholesale member, you have to make $50 worth of purchases per year to keep your membership. But if there’s a year that you don’t make a $50 purchase, you can reinstate your wholesale membership discount by just placing a $50 order.

If you do find yourself making regular purchases each month, then Young Living has a rewards program (called Essential Rewards) where you can make a nice percentage back in product credit each month on all of your purchases. So that’s a neat program to join if you find that you *want* to purchase regularly (but it’s not a requirement for being a wholesale member).

Why should I buy from Young Living instead of other essential oils companies?

It does seem like a new essential oils company pops up every day, doesn’t it?

I can’t speak to the quality of other companies, but I can say that Young Living was the only company in my research of essential oil companies that could answer all of my questions about purity in a way that was satisfactory to me.

Young Living was the only company that has their own farms (in the regions where the plants should be grown), could absolutely guarantee that no pesticides or herbicides were used in the growing of any of their oils (they use essential oils for pest control and they do all of the weeding by hand), has their own testing equipment (they do both in-house and 3rd party testing, and use many different testing methods not just GC/MS which only tests for certain chemicals, not whether those chemicals are synthetic or not), and only uses the first distillation of oils instead of adding chemicals to get more out of the plant.

Young Living also was the only company that was directly in charge of essential oil farming operations. Every other company I researched goes through some kind of an “oil broker” to buy their oils. They have to trust that the oil broker is telling the truth, who has to trust that the essential oil distilleries are telling the truth, who have to trust that the farmers are telling the truth about what they say they are doing.

With Young Living, you just have to trust one company instead of several.

I feel like it’s a trust step either way (anyone could be lying) but I felt the most comfortable trusting Young Living since they are a full-disclosure company. ANYONE can visit the farms, participate in the harvesting and distillation, view the Young Living labs, and see the entire process. That’s not an option with any other company.

How will I know which oils to use for what?

One of the benefits of getting a starter kit through this promotion is that you also get to join our private Facebook group that’s specifically for questions about essential oils!

The reference materials that I’m giving away as part of this promotion is also a HUGE resource.

Does Young Living only sell essential oils?

The answer to this one was surprising to me when I first got my starter kit! Young Living actually has an entire line of personal care products, supplements, meal replacements, energy drinks, and more! Almost every product incorporates essential oils (for example, frankincense is absolutely wonderful in facial products), but there’s a wide variety of products available.

Please let me know if you have any other questions at all and I will do my best to answer them!

Disclaimer: These statements have not been evaluated by the Food and Drug Administration. The information on this site is not intended or implied to be a substitute for professional medical advice, diagnosis or treatment. Please confirm any information obtained from or through this web site with other sources, and review all information regarding any medical condition or treatment with your physician. Never disregard professional medical advice or delay seeking medical treatment because of something you have read on this website. This information is not intended to diagnose, treat, or cure any disease.

Father’s Day BBQ: 6 Tips to Save on Essentials

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Tasty barbecue

Father’s Day falls on the first day of summer this year, creating the perfect combination for a backyard BBQ celebration. From hamburgers and hotdogs to tater tots and beer, there’s no better way to show the leading man in your life how much you care than with his favorite meal.

While Dad is worth every penny, he likely doesn’t want you to spend a lot on his big day. Afterall, he’s the one who taught you the importance of retirement savings and managing your spending. Luckily, hosting a backyard party doesn’t have to be expensive if you plan well. Just follow these tips for a frugal-yet-fun BBQ this Father’s Day.

1. Pre-make your patties.
Buying pre-made burger patties might be tempting from a time standpoint, but preparing them yourself will save you money and flavor! With the price of ground beef by the pound at an average of $4.25, it’s really not that expensive to start from scratch and prepare a bunch of grill-ready patties. Even store-brand pre-made patties can go for as much as $10 for just four burgers! Whipping up hamburger patties is also a good activity for kids to help with, and when you make your own you can add your own seasonings for a better flavored burger.

2. Pick up finger foods from warehouse club stores.
While cooking and baking from scratch is the best way to save, if you’re a newbie or don’t have time it can backfire. Pick up appetizers and frozen finger foods for 30% savings at warehouse stores like Costco. If you’re preparing food for a large amount of people and can’t afford a caterer, this is the way to go. Buying in bulk will always save you more in the long run, and leftovers that can be frozen put you ahead for next time.

3. Look for manager markdowns.
To save on meat, peruse the manager’s markdowns at your local grocery store for savings on all cuts. Since these packages are close to their expiration date, butchers want to get them off store shelves before they go bad. They’re perfectly safe to consume when you prepare them right away, so shop this section right before your BBQ! Otherwise, consider swapping out less-expensive cuts of meat. For example, a tri-tip steak is a less-costly alternative to a rib-eye, offering tender meat without the hefty price tag.

4. Make your own marinade.
Concocting your own marinade is an easy and delicious way to get the flavors you want without paying for expensive plastic or glass bottles. Top-of-the-line marinades can sell for as much as $30, and cheaper marinades are often lacking in flavor or taste too sweet. Ultimately, nothing compares to the taste of fresh ingredients! If you have just a little oil and vinegar and basic spices like onion and garlic, the rest is fairly easy! Find recipes online or try your hand at creating a signature marinade!

5. Don’t pay for convenience.
Unfortunately, the pre-chopped and pre-cut options for fruit and veggies is marked up anywhere from 60 to 300%. That means you’ll need to do a little prep work yourself to save money. Simply carve out some time on Saturday to do all your chopping and slicing so that there’s less work on Sunday and more time for fun with the fam.

6. Seek out seasonal produce.
Summer is a great time to pick up popular fruits and veggies for less, including cherries, cucumber, strawberries, bell pepper, watermelon, corn cobs and more. Stick to the in-season produce for the best value (and taste!), and compare grocery store circulars to find the best price.

Guest post by Andrea Woroch, a consumer and money-saving expert for Kinoli Inc. From smart spending tips to personal finance advice, Andrea transforms everyday consumers into savvy shoppers. As a sought-after media source, she has been featured among such top news outlets as Good Morning America, Today, CNN, Dr. OZ, New York Times, MONEY Magazine, Huffington Post, Forbes and many more. For more information, visitAndreaWoroch.com or follow her on Twitter for daily savings advice and tips.