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Katrina’s World is just that – it’s all about me and my world. I’m Katrina Rauch, and I’m a mompreneur that loves to help people! Katrina’s World is all about helping you be a better mom, wife, and entrepreneur! My posts include tips on cleaning, cooking, couponing, crafting, giving, gardening, ways to save money and make money, and so much more! Enter your email on the left and join me so I can keep in contact with you!
5 Simple Ways To Save Money

5 Simple Ways To Save Money

PiggyBank_saveMOney

If your family is anything like mine, you may have some months when your finances are tighter than others.  It might be due to a job loss, or you woke up and realized it was December and Christmas was around the corner.  Or simply, there were a lot of unforeseen budget items that came up that you had not planned for, like soccer registration, especially when you had no idea your kid could even kick a soccer ball!  Those little things add up and all a sudden your monthly finances are stressing you out and you realize – ouch – I need to either make our money stretch really far this month, or maybe make a few quick bucks.

This is exactly what happened to us this month – we did our monthly budget committee meeting, planned and spent all our money on paper and then the month started to play out.  Things were being added that we hadn’t planned, and we were left shuffling money around to accommodate.  There were a few things I wanted to purchase mid-month that unless I could make a little bit of extra money, I wasn’t going to be able to purchase them.  I didn’t worry though, I realized there were a few things I could do today to make a little bit of extra money and there were a few things I could do to save some money, so I got to work!  The best way to make some money is to get to work!

  1. Sell Some Stuff:  We all have stuff sitting around the house that we could sell and make some quick money off of.  If the weather is nice, have a garage sale!  Round up some old stuff that you don’t want or use and sell it!  Garage sales are not only done in your garage anymore – there are now online garage sale groups that might be right in your neighborhood.  All you do is post a picture and you wait for someone to buy it!  I’m part of a bunch of online groups local to my area through Facebook as well as a site called VarageSale and Wallapop.
  2. Shop From Your Own Pantry:  In our house, our grocery fund is one of the largest funds we have – when I want to save money, I know I can if I work extra hard at planning my meals ONLY with the stuff that is on sale that week, using my coupons (which I do every week no matter what), and shopping from my own pantry.  I have a stockpile for a reason, to buy items when they are at their cheapest amount and then use them —- so go and use them!  If you make a clear effort to plan meals using mainly what is already in your pantry, you can really cut your grocery budget.  You can’t do this every week, but it’s a great habit to put in place at least once a month.
  3. Swap Babysitting: In my house we try to make it a priority to have a date night at least once a month, and a lot of times this requires high babysitting fees.  When money is tight, it’s a lot easier to just forego the date night – but we all know it’s super important to have time alone with just our spouse.  Instead of paying for a babysitter, offer to do swap babysitting with a good friend.  You watch their kids one evening so they can have a date night, and then swap the next weekend where they watch your kids.  Saves you money and you might like the idea so much that you won’t ever have to pay a babysitter again!
  4. Use Coupon Apps:  I grocery shop once a week and although I save money when I use paper coupons, I love actually making  money – which I can do by using coupon apps. Coupons apps pay you a little bit extra for things you already buy.  Ibotta  (yes this is my referral link, so I thank you in advance for signing up!) is my favorite coupon app and every week I make extra money on top of the savings I get for using paper coupons, just for buying what I was already planning to buy.  It’s a win-win and after my account accumulates a decent amount I can redeem my savings for gift cards or cash!  I love to redeem my savings for movie gift cards for date nights!  Read a recent post I wrote all about using coupon apps to save money  - read now.
  5. Use Cashback Sites:  I use a cashback shopping site called Ebates.com to earn money on things I already buy!  One thing I buy consistently with Ebates is a water filter for my refrigerator – I buy it from Lowes or HomeDepot through Ebates and then go pick it up in the store in to save on shipping fees and I receive cashback from doing this!  It’s awesome actually!  If there are things you know you need, and can shop for and buy online, then why not use a cashback site to buy those things?!  This process works really great for essential things you need and it’s even better when you can pair it with sites that offer in-store pickup or free shipping!  Plus, if you refer other people to their site, they pay you for your referral!  You can sign up here - (yes this is my referral link, so I thank you in advance for signing up!) - SIGN UP NOW for Ebates.  You’ll be shocked how many stores you can shop at using Ebates and just think of the savings you will have!  Stores like, Old Navy, Amazon, Macy’s, etc!

PiggyBank_saveMOney

 

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February 15, 20160 commentsRead More
Katrina’s Coupon Tip #13 – Buy In Bulk

Katrina’s Coupon Tip #13 – Buy In Bulk

KCouponTip_BuyInBulkWhen you come across an amazing deal on something that you use regularly – then go ahead and buy it in bulk!  Today is a perfect example – I found a GREAT deal on ground beef at my local grocery store.  This was a totally unexpected deal because I had not planned on buying meat at all.  I found 3lb rolls of ground beef for $3.79 total…not per pound – but per 3lb roll!  That’s just a little over $1 a pound!  Which is an awesome deal!  There were lots and lots and lots of rolls – so I went ahead and bought in bulk – 60lbs to be exact!  Yes, you heard me right – 60lbs of beef, 20 3lb rolls.groundbeef_300x800

My family loves ground beef, especially for tacos, which just so happens to be my husband’s favorite meal.  I know we will use our beef over the next year and we have a very large professional grade freezer in our garage for meats and frozen items we buy in bulk.  I’m super excited about our great deal today!  You can find great deals like this at your local grocery store by talking to the manager and asking when certain departments mark stuff down, and then be the first one there to get the great deal!

*** I can let you in on a little secret…a lot of grocery stores mark down perishables (like meat, dairy, and fruit) during the week to make room for fresh products to fill the shelves over the much busier weekends.  There are lots of great deals to be found during the week!

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February 12, 20160 commentsRead More
Giveaway – BabySteps Scratch-Off Facts Calendar

Giveaway – BabySteps Scratch-Off Facts Calendar

BabySteps_Calendar_2Splash Brands has provided me with an awesome new product, BabySteps Scratch-Off Facts Calendar, that I get to happily pass on to one lucky winner.  This product is really unique and is one of those things that you never knew you needed!  I wish I would have had one of these when I was having my very first child.  This calendar is pretty cool, basically it’s a wall calendar with 236 facts, trivia and tips for parents-to-be, and each day you get to scratch off a fact and learn something new!  This is a great gift for any parent-to-be and I can’t wait for one of my lucky readers to win one!  BabySteps_Calendar_3

To win this amazing giveaway, please comment below with why you want this calendar and who you would give it to.  I will choose one lucky winner on Monday, February 15, 2016.  Winner will be notified via email and will have 2 days to reply back to me.  If I don’t hear back from you within 2 days I will choose another winner.

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January 26, 20161 commentRead More
Brownie of the Month – S’mores Brownies

Brownie of the Month – S’mores Brownies

SmoresBrownieI love brownies so very much!  My two favorite renditions of brownies are mint and s’mores.  When my mom makes her homemade peppermint brownies I cannot deny a bite (or two or three…).  I also have a huge weakness for s’mores flavored anything and if they are s’mores brownies I’m sunk!  I love s’mores, one of my favorite summer desserts – I’ll look for any excuse to roast marshmallows and then to combine that with a brownie?!  Oh my!  I would not be able to turn them down!  This month I’m featuring an awesome recipe on Pinterest of a S’mores Brownie.  I’ve not had the chance to make these yet, but I know they will be amazing!
Check out these yummy S’mores Brownies from Like Mother, Like Daughter, don’t these look so good?

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Why My Children Do Chores

Why My Children Do Chores

WhyMyKidsDoChores1Are you one of those moms that does too much because you have children that don’t do very much.  Make it your goal to work yourself out of a job.  If a child can play a game on your iPad, he/she can help with chores.  Now doesn’t that hit you like a ton of bricks?  When I first read this, I was in total agreement.  It’s so true.  Sometimes, we as moms, do way too much for our kids.  You know how it goes, your oldest child might tend to spill too much so it’s easier for you to pour the milk for cereal rather than letting him try, spill, learn, and you’re on your way out of a simple job.  I’m totally guilty of this.  I hate messes, so I tend to do way too many little jobs for my kids just to make sure there is a not a huge mess to clean up afterwards.  But I know I’m just making my job as a mom harder in the long run.  Kids need to learn to help even if it makes a bigger mess.

Confession time…when I was a kid I remember my mom making me and my brother do a lot of chores around the house.  The worst one of all was dusting and I had the lucky job of dusting this curio cabinet that had glass shelves.  I had to take every single little Precious Moments figurine that my mom collected off each shelf and make sure the shelf was dust free.  This job was so awful!  It was meticulous and took what seemed like FOREVER to do.  The worst part to doing a lot of my chores as a child was that even though I ‘thought’ I was doing a really good job as a 10 year old, my mom would always come along after and redo whatever I had just done, because it wasn’t done as good as she would have done it.  It always used to really drive me crazy – I never could figure out why I needed to waste the time doing the chores if she was just going to redo them anyways.  I catch myself doing the same thing to my kids.  Why???  I have no idea, except that I’m a crazy neat freak.  But I’m trying really hard to not redo their work anymore.  I’m trying very hard to remember how old they are and what their actual abilities are and then asses their level of efficiency and effort.  Your kids absolutely should be helping you around your house.  They live there for free – so they should pitch in and help!

So the next question becomes, what chores should your kids do and should you pay them to do those chores?  Here’s what I think.  Yes, yes, yes!  I’m a big Dave Ramsey follower and we love his ideas on kids and money!  Dave believes that you, as parents, are the boss and your kids are your employees.  As a boss your kids work for you, and they should earn commission.  When they work, they get paid.  When they don’t work, they don’t get paid.  Simple as that.  It works too!  It also teaches kids the value of money.  Rather than just paying them because they breathe, this forces them to equate working hard for the money they want to spend on fun things.  This idea works really well when your children are old enough to really understand what their money can buy them.  We have three kids, ages 4, 6 and 9 right now.  We started doing commission for chores when my oldest was 4.  At that age he did very simple chores and was paid at the end of each week.  From his weekly commission earnings he would then distribute that between three different envelopes for Giving, Saving, and Spending.  We have taught all 3 of our kids these concepts and they each have a list of chores based off their ages and abilities that they earn commission for.  This process forces the kids to see chores not so much as a chore, but as a job they can earn money for.  When there is a special toy they want to buy we often have some requests for extra chores in order to earn bonuses, and sometimes they do business deals with each other - getting paid from a sibling to do their chore!  It’s great! To a mompreneur like me, I love seeing business deals happen with my young children (and so far, they have been very fair)!
Just in case you are wondering what type of chores I have my kids do each week here is a quick list:

9 year old:

  • Undo the dishwasher/Set the table (alternates with 6yr old)
  • Shovel the driveway and back patio (in the summer instead of this he cleans up dog poop)
  • Clean room and make bed
  • Vacuum
  • Take out trash

6 year old:

  • Undo the dishwasher/Set the table (alternates with 9yr old)
  • Dust
  • Clean room and make bed
  • Sharpen pencils (in summer instead of this she waters the flowers)

4 year old:

  • Collects the newspaper from driveway
  • Feed the dogs/let’s them out in morning
  • Make bed
  • Collect trash

Bonuses (when I’m feeling generous… I don’t always pay for these things, but sometimes I do, especially when they help without being asked and without expecting a bonus):

  • Clean the bathroom
  • Sweep/Mop kitchen floor
  • Clean basement toy room
  • Clean glass windows and patio doors
  • “Help” mow the lawn and trim bushes
  • Unpacking groceries and helping put food away
  • Prepping/Washing weekly veggies
  • Cooking
  • Pitching in and helping mom with whatever job she is doing without being asked

Do your kids do chores?  What ages and chores do they do?  Do you pay them?  Would love to hear what you have tried and what works for your family!  Hugs to all!

WhyMyKidsDoChores1

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January 25, 20162 commentsRead More
Comparison Will Kill Your Joy

Comparison Will Kill Your Joy

dawn-nature-sunset-womanDon’t compare your beginning to someone else’s end…

Since it’s the beginning of a new year, it’s that time when all your friends and business associates on Facebook are writing out deep thoughts and aspirations about all the amazing things they plan to do in the new year.  I don’t know about you, but this year I’ve not wanted to think too deeply about goal setting.  I’ve not wanted to jump on the “my plans for the upcoming year” bandwagon, and here’s why.  Last year, not a lot went how I had “planned” it to.  I didn’t reach very many of my big goals, let alone, my easy-to-reach goals.  Which is so not me.  I tend to make big goals and hit them, and if I don’t hit them I absolutely hit a whole bunch of my easier to reach goals on the way.  So this new year, I’m dragging my feet to even think about my goals for the year.

I know that comparison will kill my joy, but gosh it’s really hard to not compare where I’m at with those around me.  I see my happier, healthier, skinnier, wealthier friends around me and I can’t help but compare.  Her smaller waist and brand new SUV, and she just dropped off her well-groomed son at an awesome preschool, to my bed-head mis-matched son who rides in my recently door dinged older SUV, to drop off his siblings at school with a mommy who LOVES chocolate and ate way too much of it over the holidays because she wasn’t feeling all that well….yep, it’s my story.  As you can see comparison is killing all my joy, especially if I don’t look at the whole story.

Who knows where my friend is on her journey.  Maybe she has been starving herself for months just to fit into that new outfit, and maybe her brand new SUV was purchased with money that she’s been saving for years, and maybe her in-laws wrote the check for her son to attend that preschool…who knows what her story is!  The problem is you have no idea where someone else’s story began or how far along they are on their journey.

Your super-skinny friend may not have been that thin a year ago, and your super-successful network marketing friend who is quickly climbing the ranks of her MLM didn’t start out at the top – she started down at level one just like everyone else.  If you are just beginning a new journey, whether to a smaller waist, or a larger paycheck, or to starting a new business – just remember that your journey is YOUR journey and GOD is in control.  He is the author of your life and your plans and instead of comparing your story or lack there of, start focusing on being thankful for what the Lord has given you.  Be willing to learn and grow AND be content at every step of the way.  You do that, and you’ll find joy all along the entire journey.

 

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January 6, 20162 commentsRead More
How To Shop From Your Own Pantry

How To Shop From Your Own Pantry

howtoshopfromownpantry“Mom, what’s for dinner?”

Let me paint a picture for you.  It’s 4pm, you just walked in the door from picking up your kids at school.   All of your kids are talking at the same time, telling you about their day, as well as throwing all the papers from their backpacks at you.   It’s at that moment that you realize you forgot to set out anything for dinner.  While you try to focus on helping your kids with homework, you can’t stop thinking about what to make for dinner.

If I were in “super-mom” mode, I would have planned my dinner for that day and had the meat defrosting by 10am.  When I’m in “super-duper-mom” mode I wouldn’t even have to think about what I’m having for dinner because I would have planned that over the weekend before I did my grocery shopping.   I would know, down to the day, exactly what I was having for dinner for the full week.  I try to have my menu planned each week before the week begins, but let’s be honest, I’m a super busy mom and sometimes my “super-duper-mom” cape goes missing for weeks on end.

When I’ve neglected to plan, that means it’s time to go shopping in my own pantry!  The great thing about being a howtoshopfromownpantry2couponer is that I usually have a well-stocked pantry.  Not only have I purchased stockpile items at rock bottom prices, but now I can literally go shopping in my own pantry to create a very inexpensive meal for my family!  While this can seem daunting, it’s actually quite fun to see how creative I can be with whatever we have on hand.  It’s also a great way to save money!  Rather than running to the store to pick up a few items that would create a meal for that evening, I’m saving money by putting in a little extra effort to be creative and use what I have.

Honestly, I enjoy the challenge.  I don’t know that everyone would, but for me, it kicks the chore of cooking dinner up a notch!  I challenge you, beginning Monday of next week, to dig through your pantry and try to create a week’s worth of meals.  Plan it out ahead of time, and only go to the store if absolutely necessary – and if you do go to the store, go only ONCE – pick up all the little filler items you need to complete your meals and then make it work!  If you can shop from your own pantry for a full week every couple months, just think of how much money you would save!  This next year I’m going to try to do this every few months!
I’ll let you know how it goes and I’d love to know if you already do this and if you have any tips for me?!

Happy cooking! Happy Saving!

howtoshopfromownpantry

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December 31, 20150 commentsRead More
How To Get Your Family To Eat Leftovers

How To Get Your Family To Eat Leftovers

20151218_184051There is a simple solution to leftover boredom and it’s called…Mystery Dinner!  It’s been a really long week, Christmas is just around the corner and I’ve been sick with a terrible sinus infection for the last 14 days – so as you can imagine, this momma is tried and didn’t want to cook.  I realized that I had cooked quite a bit this week so we had a bunch of random leftovers. While I don’t really like leftovers all that much, I do like that they are  a great way to be economical and save my household some money.  You know me, I love saving 20151218_182101 money!

The average American household throws away a lot of excellent food, in the form of leftovers, just because eating out is a more fun, or because they just don’t like leftovers.  While I completely agree, eating out is a lot more fun, I do love coming up with a ways to save m20151218_182343oney and if eating our leftovers will do that, then I’m all for eating what’s left in the refrigerator. Tonight we had a bunch of things to choose from, but not enough of any one thing to feed us all, so I decided to have a special “Mystery Dinner” like my mom used to do when I was kid!  In fact, my amazing mother still has Mystery Dinners with my kids when they are at her house!  If you have never had a Mystery Dinner then you are in for a real treat!

All you need to do is get out all the leftovers and start coming up with some fun and mysterious names for each dish.  Add them all to a hand-written menu and call your family to dinner!  Have each family member choose a few items from the menu without telling them what they are actually ordering.  It can be pretty funny when their plate is served and it has some pretty interesting items on it!  I pulled out these leftovers from my refrigerator:  homemade chicken noodle soup, bow-tie buttered pasta noodles, Italian sausage and pasta sauce, edamame, taco meat, Mexican rice, sweet potato hash, chips and salsa, yogurt, and bananas.  Like I said, a wide variety of random stuff!  I started trying to come up with some menu items based off what I had and here is the list I came up with:

Main Dish:

  • Frozen Snow Balls - buttered noodles20151218_182427
  • Melted Snow Balls - buttered noodles with italian sausage and pasta sauce
  • Lily Pads - edamame
  • Shoveled Snow - sweet potato hash
  • Frozen Rock Canyon - nachos created from the taco meat, mexican rice and chips and salsa

Dessert:

  • Grassy Field - Key Lime yogurt with banana and a shortbread cookie
  • Sunset - Raspberry yogurt with banana and a shortbread cookie

I g20151218_182153ot everything warmed up then I called my family to dinner!  For special effect I made them go outside and ring the doorbell!  Once they came in, I escorted them to their table (which was just the regular kitchen table) where I placed a menu and a couple card games to keep them busy while I prepared their order.  I got my notebook and pencil and waited on them.  After reading the menu everyone just giggled!  They had no idea what was what!  It was a blast!  I allowed them each to pick three items listed under Main Dish to get the ball rolling.  When their food arrived they all laughed, a few were pleasantly surprised, and one was not happy at all about his Melted Snow Balls!  After they all figured out what each menu item was they asked for their favorite item as a second helping.  Next, they all wanted to order dessert and thankfully, everyone was happy about it!20151218_184328

Overall, the night was really fun!  We ate up a lot of our leftovers and I didn’t have to spend hours in the kitchen making a brand new meal.  :)  We saved money and also had fun creating a brand new family memory.  I can tell you, days later that I overheard the kids talking about how much fun they had at Mommy’s Mystery Diner and they couldn’t wait to do it again!  I dare you to give it a try – pull out those leftovers, put your creative cap on and have some fun with your family!  I’m so glad we did!

Have any of you ever tried a Mystery Dinner?  How did it go?  What did you serve?

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December 21, 20150 commentsRead More
Katrina’s DIY Tip – How To Seal Lots Of Envelopes Quickly

Katrina’s DIY Tip – How To Seal Lots Of Envelopes Quickly

HowToSealEnvelopesIt’s Christmas time and in my house that means I have a lot of Christmas cards and letters to send out!  While I love to write my annual Christmas letter, I really dislike licking all those envelopes!  It takes forever and it tastes horrible, unless you buy the yummy flavored envelopes and I’m too cheap to do that!

I’ve had a lot of people ask me how I figured out how to do this.  One of the very first jobs I had was working in a mail room.  My job was to open and process mail, as well as send out a lot of high volume mailings that had a lot of inserts for each envelope.  All day long I would stuff letters and process mail.  It was actually a lot of fun!  I got so quick at this type of thing that I was able to read a book and stuff envelopes without even looking!

This year I had a little over 200 cards and letters to send and I realized when I was sealing them all that I have a pretty quick way to seal a lot envelopes at one time – and my son suggested that he take a quick video and that I share it with my friends!  That is exactly what we did!  Here is a quick video showing how I quickly seal a lot of envelopes at one time: WATCH VIDEO NOW!

envelopoe_video

 

HowToSealEnvelopes

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December 8, 20150 commentsRead More
Life Is All About Perspective

Life Is All About Perspective

landscape-nature-hand-fieldPerspective is really hard for me. I’m terrible at envisioning the future. I’m not a “dreamer,” I dwell in the present and rather than looking forward to the future I have this awful way of digging up the past.  For example, I love people and I have a God-given ability to meet and get to know people.  God has given me a gift of being able to bring people together – I like to call it “I’ll introduce you to your next best friend.”  I loathe this gift, but am trying very hard to find God’s blessing in it.  Instead of being happy for the people I’m able to help and blessed by the time (no matter how short) I was able to enjoy with them, I end up feeling lonely and that a piece of my heart has been sacrificed on the altar of “friendship.”  I’ve never understood this gift, but am praying for wisdom on how God intends me to use it.  It’s all about perspective, which I’m still working on.

I’ve spent a lot of time lately pondering what the Lord wants me to be doing at this time in my life.  I’ve had a rough year and I realize now that it’s all been about my skewed perspective.  I’ve spent a whole year beating myself up for all sorts of reasons, mostly my failures as a mom, wife, friend and business owner.  And the longer I beat myself up, I felt so lost and frustrated, that I wanted to give up on everything.  I was spending so much time dwelling on just how much I had failed rather than looking at just how much I had accomplished!  Seriously why does one single failure out-weigh a hundred victories?  And why do we keep score on ourselves anyway?  Perspective.  It’s all about perspective.

Then I came across an awesome quote, “God never sends you into a situation alone.  He goes before you, He stands beside you, He walks behind you.  Whatever your situation, be confident, God is with you!” Knowing that God is with me when I winning, when I’m failing, when I’m lonely, and when I’m totally lost is like having a burden lifted off my shoulders.

I don’t have to know or understand what the Lord is currently doing, or what He plans to do with my life in the future, my sole job is to live each day in the full confidence of the Lord, and to just keep pursuing my dreams, to keep trying, until God closes a door.  My first priority is God, then my spouse, then my family, and lastly my business.  When my perspective is on the wrong thing, all of these tend to get out of order.  In Joyce Meyer’s book, Get Your Hopes Up (which is an AMAZING book – highly recommend that everyone reads this book) she says, “You don’t have to sit back, just waiting for an answer to fall from the sky.  You can take your hopes to God, ask Him for His wisdom, guidance, and direction, and then take real practical steps toward your goal…..you can aggressively thank God that He is working in your life.”

In what ways do you need to change your perspective?

 

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December 2, 20150 commentsRead More