Welcome

Welcome to fish out of water, a guide through my journey towards financial independence. I'm a college student who is moving out with two of my best friends and paying rent and some of my own bills for the first time. Here you will find my tips on how to save and make some extra cash when you're in need.. I hope this helps you if you are learning to budget, if you're between jobs, or if you're like me and happen to be making minimum wage. Feel free to message me with any questions, or tips of your own.
Enjoy!
-Madeline

Friday, May 31, 2013

Walgreens 5/30 Deal Ideas and Transactions with $5/20 Coupon




Hey y'all! 
These deals all use a $5/20 coupon that was printing Tuesday and Wednesday on small purchases at Walgreens.
My deals are explained in the video but here is a written breakdown:

Transaction #1
2x Eclos Cellular Activator Face Serum Reg $22.99 clearanced @ $5.79
2x All Free and Clear 32 Loads Reg $7.49, Sale @ $3.49
1x Scope 750 ML Reg price $4.49 sale @ $2.99 get $2 RR
Total= $21.55
Used $5/$20 wags cat coupon
Used 2x $5/1 elcos - coupons.com (NLA I think)
Used 2x $1/1 All - All-laundry.com
Used 1x $1/1 Scope- May P&G
Total after coupons= $3.55, Received $2 Scope RR
Net Oop Transaction 1= $1.55

Transaction #2 
2x All Free and Clear 32 Loads Reg $7.49 sale @ $3.49
1x Scope 750 ML Reg price $4.49 Sale @ $2.99 get $2 RR
1x Virmax Prostate Health 30ct $16.99 Reg, Sale @ $10.00 get $10 RR
1x Blow Pop @ $0.59
Total=$20.56
Used $5/$20 wags cat coupon
Used 2x $1/1 All - All-laundry.com
Used 1x $1/1 Scope- May P&G
Total after coupons= $12.56, received $10 Virmax RR, $2 Scope RR
Net Oop Transaction 2= $0.56

Transaction #3
1x All Free and Clear 32 Loads Reg $7.49 sale @ $3.49
3x Eucerin Intensive Repair Extra-Enriched Hand Creme @$5.79
4x Act II Butter Lover's Popcorn Single Bags Reg $0.99, Sale @ $0.25*
Total=$21.86
Used $5/$20 wags cat coupon
Used 3x $3/1 Eucerin- Eucerin Facebook Page
*Used in-ad coupon to get sale price- you only need to scan one, but if you don't they will be full price!
Total after coupons=$7.86, Received $8 Eucerin RR
Net Oop Transaction 3= -$0.14- yay MM!

Transaction #4&5 (They were the same with different kinds of Lysol)
1x All Free and Clear 32 Loads Reg $7.49 sale @ $3.49
1x Scope 750 ML Reg price $4.49 Sale @ $2.99 get $2 RR
2x Lysol Toilet Bowl Cleaner Reg $2.99 sale @ $1.99
1x Virmax Prostate Health 30ct $16.99 Reg, Sale @ $10.00 get $10 RR
4x Act II Butter Lover's Popcorn Single Bags Reg $0.99, Sale @ $0.25*
Total=$21.46
Used $5/20 wags cat coupon
Used 1x $1/1 Scope- May P&G
Used $2/2 Any Lysol product coupon- Wags Cold & Flu Book
*Used in-ad coupon to get sale price- you only need to scan one, but if you don't they will be full price
Total After Coupons=13.46, Received $10 Virmax RR, $2 Scope RR
Net Oop Transactions 4&5=$1.46 each or $2.92 combined.

Total Retail Value of all items (no sales or coupons)= $209.14
Total Oop After Sales and Coupons= 4.89
Total Savings= 204.25 or 97.7%! Yahoo!

As you guys can see, this is a good chance to use up some coupons that are about to expire.
If you have several computers to print the Eucerin/All Coupons from, there is some money to be made here!

A few notes to remember for Walgreens:

-You MUST use in-ad coupons to get the sales prices on some items such as the popcorn that I bought- make sure the cashier scans the ad or you will pay full price.

-You can only use as many coupons at Walgreens as you have items- and register rewards DO count as coupons (annoying, I know!), so if you want to pay for items using rewards you will need to add cheap "fillers" like the popcorn to allow yourself to use more coupons.

-Good fillers this week: Popcorn @ 4/$1 with IAC, Single Rolls Wags brand PT/TP 2/$1 with IAC, Small clearance items (my store has hilighters for $0.25 and tanning lotion for $0.49), and gum @ 3/$2 with a $1/3 coupon, get back 250 points on 3.

-My $8 RR did not print for my Eucerin transaction until a manager re-rang the transaction without my coupons- I'm not sure if it was because I used a $5/20 or because of a glitch in the computer, but just a good thing to keep in mind (and if anyone knows the reason please comment and let me know!)

-You cannot earn points on a transaction that you pay for with points!

-I also saw a possible deal on Dr. Scholl's for her insoles using a $3 mq from SS 5/19 (the one with the bbq sauce on the front) and a May $3 IVC

I hope this post is helpful to anyone looking for ways to make the most of their $5/20! Feel free to comment with any questions or suggestions!

God Bless!
-Madeline








Friday, May 17, 2013

Old Spice Deal at RA!



Hey y'all! 
Just wanted to share a quick deal going on at Rite Aid this week!

All Old Spice, Secret, and Gillette are BOGO 50% off and spend $15 get $5 this week 

You can use some coupons for a great deal, especially if your store allows BOGO coupons to auto deduct the maximum value. 
 If your store will adjust your coupon's value down to the cost of each item, just adjust your math accordingly.:)
Here's the deal:

Buy 2x Old Spice deodorant twin packs @ 6.49 BOGO 50%= 9.74
Buy 2x Old Spice Body Spray @ 4.99 BOGO 50%= 7.49

Total= 17.23

Use 2x Buy One Old Spice deo twin pack get one Old Spice body spray free= auto deduct 4.99 ea=- 9.98
Use 1x $1/2 Old Spice Products = -$1

17.23 - $10.98 q's= 6.25
Get $5 +Ups= $1.25 for 4 deodorants and 2 body sprays!

Wednesday, April 3, 2013

The Real F-Word



Hey y'all!
Can't believe it's been so long since I've posted (almost 3 months!) but life has been crazy hectic lately for a variety of reasons.
I turned 20 last month, moved into a new apartment about two weeks ago, gained one roommate and lost another, and quit both of my jobs after accepting an offer that was higher paying and gave me more work hours.
And then there's the F-word.
The FIRED word.
Yup. I quit my two existing jobs, and exactly a month after starting at my snazzy new workplace, I was  called into HR one morning and told that I just wasn't a good fit.
Though it was apparent to me from the get-go that my direct manager wasn't my biggest fan, I was in complete shock when I was dismissed out of nowhere.
I wasn't late even once, I followed policies to the letter, and I genuinely enjoyed my position.
I'd received compliments from my trainers and customers, and was told that what small mistakes i made were Ok because for the first 90 days I was still considered a trainee.
Unfortunately, in the state of California your first 90 days on the job are also considered a probationary period of employment, and at any point you can be dismissed without a reason why.
So that's exactly what happened.
My badge was taken, I was escorted out by security, and was asked to return the next day to turn in all of my uniforms and equipment.
So on three different levels, this sort of stinks.
A) I no longer have my old jobs.
B) I no longer have my new job
C) I now have to disclose on job applications that I was fired after 30 days at my previous employer
There truly is good and bad to every situation, however. 
Although the job would have provided me a really nice income and the environment was fun, it would have taken a lot of time away from school.
That being said, at the end of the day I would rather have a career years from now than a job that is just a job.
I've had an overwhelming amount of support from friends and family both in prayer and encouragement.
My dad has also offered to provide me with additional financial support while I search for a new job.
The best part of this, however, has been the peace that God has provided me with through the whole situation. 
From the drive home the day I got fired, I have been connected to Him in prayer and He has really provided my soul with comfort during this potentially stressful situation.
There is some scripture that's pretty well known concerning worry that I like to re-read whenever I find myself stressing.


Matthew 6:25-34

25“Therefore I tell you, do not worry about your life, what you will eat or drink; or about your body, what you will wear. Is not life more than food, and the body more than clothes? 26 Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they? 27 Can any one of you by worrying add a single hour to your life[a]?28 “And why do you worry about clothes? See how the flowers of the field grow. They do not labor or spin. 29 Yet I tell you that not even Solomon in all his splendor was dressed like one of these. 30 If that is how God clothes the grass of the field, which is here today and tomorrow is thrown into the fire, will he not much more clothe you—you of little faith? 31 So do not worry, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ 32 For the pagans run after all these things, and your heavenly Father knows that you need them. 33 But seek first his kingdom and his righteousness, and all these things will be given to you as well. 34 Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own


Nothing better than a reminder of how deeply God cares for us right?
But the Bible also says he who doesn't work doesn't eat- so where am I going from here?
With a new place and a $70 rent increase, sitting on my laurels isn't an option, regardless of the help I receive from others.

Obviously job hunting is a top priority, however exhausting it may be.
Though I spent a couple of weeks moving, celebrating my birthday, and recouping from the shock, I have gotten those wheels rolling again.
Though normally a job hunt for me is more a frantic scrambling than a conscious, intentional search for something I really want to do.
But since my resume is getting a little too crowded with short-term positions I am doing my best to be patient and only look at workplaces where I would enjoy working for a long haul.
I haven't had a whole lot of luck finding places that fit the bill, but yesterday I went to an open interview and got some really positive feedback from the manager who I spoke to.
Since there was such a large turnout, I don't expect to hear back until the end of this week at the earliest, but for now I am trying to generate a little income in the ways I know how.
I have some babysitting hours this week which is always nice, and I am trying to be very diligent about listing and selling on Ebay.
As I've explained before, I shop in thrift stores for for designer and quality items to resell on Ebay, and I have quite a bit of unsold stock right now.
I'm trying to take advantage of not having to pay anything out of pocket right now by clearing the excess that I've had sitting around, and so far I've gotten a few good sales in that I'd like to share. 

Here is what I sold my first week back online:


BCBG Max Azria Maxi Dress
Cost to me: $2.00
Sale Price: $25.49


Moulinette Soeurs Dress (New with tags)
Cost to me: $2.00
Sale Price: $26.00


St. John Sailor Stripe Knit Top
Cost to me: $2.95
Sale Price: $29.99

About 13% of my sales are taken out in Ebay and Paypal Fees, but after my out of pocket costs and fees, I still had about $63.00 in profits. 
Not bad for my first week and only a couple of hours listing!



Anyhow, I'd better hop off the computer- I have babies to sit on in the morning!
God Bless,
Madeline

Tuesday, January 8, 2013

My New Years Resolutions, Updates, and Couponing to Suit Your Needs

Hey y'all!
Happy New year!
I hope everybody had a wonderful Christmas!
I owe y'all an apology- I meant to blog a lot more than I did leading up to the holidays.
I had lots of plans for tutorials on putting together frugal gifts and decorating on the cheap,
but as we all know, life happens.
I got busy with other things and the blog fell by the wayside, so here we are.
I'll do my best to make up for with lots of new years saving tips!

I have some good news though- I got a new job!
Things at both of my current jobs have been, well, awful.
This week, for example, I have 9.75 hours at the theater and 4 at the store.
At minimum wage, that just isn't enough to pay my bills.
While this is my worst week, for three weeks in December I was at about 12 working hours at the theater.
I interviewed last week at a casino to be a slot attendant (cashing out people's vouchers),
and was offered the job!
The offer is contingent upon my passing a background check, credit check, and drug test, but I should have no problems in those areas.
I should be starting mid-february, and once I do I will make a dollar more an hour and work 32 hours each week, as well as getting free meals when I work.
I'm also able to get tips, which can be pretty sweet from what I hear:)
On a not so good note, one of my roomies quit her primary job last month.
She wasn't being paid on time by the people she nannied for, and so understandably she left.
Right now she is looking for a new job, but her income from her weekend job is very limited so money is tight right now.
Since my other roomie also works at the theater, cash is tight all the way around. 
Hence my post today- making couponing suit your needs!

But first, my two 2013 resolutions are:
1.Save $15,000 with couponing
2. Work out 157 times

Last week I got off to a super slow start with my couponing- all I got was some free pens totaling about $7.
But this week I'm off to an awesome start- I've gotten $395 of product in the last two days!
So far that puts me at $402 down, $14,598 to go.
I should be averaging close to $300 a week to meet my goal, which seems daunting, bit I'm confident that I'll be able to do it.

I got the number 157 for my workouts because I want to work out 3x a week- but if I leave it as one large number, there's no excuses, like saying I already failed in my first week (I would have).
If I have to pull two a days all of this December to meet my goal, I won't have turned into a pumpkin until midnight on 1/1/2014.

Cheers to a New Year that will hopefully be awesome!


Hope y'all enjoy my little video!
I think I explained everything pretty thoroughly, but here is a more detailed breakdown of the items I got today:

7x Razors @ 1.97= 13.79
4x Nail Polish Remover @ 2.19=8.76
2x Snack cakes @ 1.50= 3.00
1x Cheeze its @ 2.88= 2.88
4x Avocados @ $0.50= 2.00
Wheat thins @ 2.50= 2.50
2 lbs white onions= 1.14
Cucumbers= 1.50

4x 5.00 coupons= -20.00
7x 2.00= -14.00

After Taxes I paid $3.38 for $35.57 of product! 90% savings!

Anywhoo, if y'all have any questions about overage at Walmart, feel free to shoot me a message!
Have a blessed week!
-Madeline


Twotip: When you're using overage to buy what you need, consider giving what you don't need to others! Rather than letting those overage-makers collect dust in your closet, seek out someone who will put them to use!