Tips to Reign In and Out Of Control Family Budget: Shopping Around to Save!

683459ee810703fe032903d2443bf58d.jpgToday I’ll be sharing some ways to save money that takes a little more work but can definitely pay off in the end.

For some of us, this may seem like too much work, and that’s ok. Just because it’s something that my family does, doesn’t mean it’s right for everyone.

Insurance: Most companies offer a discount if you have more than one kind of policy. Example: State Farm offers a Multi-line discount. If you have your cars and another type of insurance (homeowners/renters/condo insurance, or a life insurance policy).

Some insurance companies serve a specific audience- for example, USAA is an insurance company for active duty or retired military. Because they serve a specific audience, they offer very competitive rates.

When you shop for insurance, have copies of all of the policies that you want to compare. That will help you see apples to apples. You can’t compare and try to save money if you don’t know what you’ve got. This is also a great time to go over all of your coverages and see if you need to increase or decrease coverages.

Due to state and federal regulations, you usually can’t shop for health insurance unless it’s open enrollment or you’ve had a qualifying life event (married, divorced, had a baby, retired, lost your job, etc.). Luckily, Tis the Season for open enrollment! We purchased insurance through the state exchange a few years back, before we had employer-sponsored insurance. It was not too difficult to navigate, and there are discounts available for a lot of people!

Cell Phones: This is my least favorite activity, but it can a money saver. Once again- have a copy of your contract or a copy of a recent bill that outlines everything your plan covers before you get started. If you are looking for a pre-paid plan, Tello has some great money-saving plans!

Internet: I hate dealing with our internet service provider. I always feel like they are trying to upsell me, no matter why I am calling in. We’re looking at changing our plan soon. The big kids school recently sent home information regarding a program that Cox offers called Connect2Compete. For those families that have qualifying social service(s), Cox can provide internet service for $9.95/month! That’s a great deal.

 

Talk Back: I’d love to hear your success story! Share how much you’ve saved by shopping around for your insurance, cell phone service, or internet service.

Porchlight Community Services

Screen Shot 2019-08-08 at 11.02.54 PM.pngFor those of you who have read my blog for a while, you know that food insecurity is a cause near and dear to my heart.

In San Diego County, one in seven families experience food insecurity. Food insecurity means you’re not sure where your next healthy, nutritious meal is coming from. It means you probably don’t have extra cans in your cupboard, or that you need to be more than just a little creative when it comes to cooking that a few days before payday.

Food insecurity is an issue that I feel very strongly about. No one should be hungry, and no one should have to eat mass-produced, poorly made, food devoid of nutritional just to fill their belly. Quality, nutritious food should be available to anyone and everyone at an affordable price.

That is one reason I am so excited to share with you today about an awesome organization in Linda Vista called Porchlight Community Services.

Porchlight Community Services is different from a lot of other food organizations in that they are a food rescue organization. They work with produce distributors, grocery stores, and bakery to rescue food that is otherwise destined for the dumpster.

Next time you’re at the grocery store take a look at all the fruit, all the produce, all the baked goods. The likelihood of all of those items will sell before their pull date is slim.

So when items are pulled off the shelf prior to their expiration date, they are frequently thrown in the trash. That trash heads to the landfill. Grocery store, bakeries, food distributors do not compost their unwanted food. Food rescue agencies like Porchlight Community Services pick up the food (that is still good, by the way, pull dates are usually arbitrary, and only affect the appearance of the food, not it’s quality or viability). They then take the food back to their offices where it is gone over to make sure that it is still quality, and edible. And it is been distributed to families who support Porchlight Community Services mission.

Screen Shot 2019-08-08 at 11.14.09 PM.pngProduce that can not be distributed (it’s leftover at the end of the event), is often donated to neighbors with animals, or local animal organizations. Once again, eliminating food waste and helping others,

Some of the companies that donate to Porchlight Community Services include Ralphs, Boudin Bakery, Wal-Mart, Starry Lane Bakery, and California Produce.

Porchlight Community Services is not your average food bank or pull date co-op. There is no minimum or maximum amount of money your family needs to make to participate. Some people who shop at Porchlight do so because they believe in the mission of keeping food out of landfills (like my family- it hurts my heart to see perfectly good food go to waste). Some people go to Porchlight Community Services because they are in need of wholesome nutritious groceries that fit a specialized diet (like Gluten-free or Dairy-free) but can’t afford to shell out money every week or two for the costly groceries at a mainstream grocery store.  Some people are in a tight spot and need to stretch what little money they have until payday.

Screen Shot 2019-08-08 at 11.17.26 PM.png
An example of past food items available

Distributions are usually held weekly. You can find out about upcoming events here on their website, or follow them on Facebook.

All funds that are raised go towards paying rent and utilities- to keep the Mission of feeding others going. 

If you are interested in helping Porchlight Community Services, they are always looking for volunteers to help unload food as it comes in on distribution days, organize and stock shelves, refrigerators, and freezers.

They also need help volunteering with event prep- setting up tables and bins.

This might be a good opportunity for girl scout troops or other civic organizations! Contact Porchlight Community Services here to find out about more volunteer opportunities.

 

 

Free Parent Financial Planning Class in Santee 4/10/19!

I received an email from the big kids school about Screen Shot 2019-04-02 at 4.53.50 PM.pngthis class and I thought I’d share.
Spending and saving, taking control of your future!

 

Screen Shot 2019-04-02 at 4.54.19 PM.png

Screen Shot 2019-04-02 at 4.56.08 PM.png

I am in no way affiliated with this workshop, I thought I’d share it with others who may be interested.  This workshop is sponsored by The Santee Collaborative.