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5 Ways a Grocery List Saves Money, Energy and Time

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In spite of the cooler temperatures and rain this afternoon, I took all three munchkins grocery shopping at Aldi. With my list in hand, we quickly maneuvered through the aisles where I sent my helpers to gather the items on the list.

When we arrived at checkout, my son asked, “Is that it?” When I acknowledged that we finished the list, he responded, “Wow, that was fast.” I couldn’t help but smile because using time wisely to write out a grocery list took me about 10 minutes, but I discovered at least 5 ways a grocery list saves money, energy, and time.

1. Verify my Items

If the item is on my Aldi list, then I know that we need this item. My Bi-Lo and Publix’s lists concentrate on the sales, but my Aldi list is for everything else, not on sale, that our family needs during the week. Only items in low supply or depleted make it to the Aldi list, so I know that I need all the items.

2. Calculate Price

When making my Aldi list, I know about how much these groceries will cost. Keeping our budget in mind when making out the list saves me money at the store when I am wavering on a purchase. If the price changes or I want to substitute an item, I can calculate the difference on my grocery list.

3. Estimate Time

When my grocery list is complete with 11 items, then I know that the errand will use a half an hour or less. If my list fills up a whole page, then I may need to block out an hour to shop. Without a list, I spend more time because I cannot-remember-that-item-that-I-really-needed-yesterday.

4. Formulate a plan

While my son gets the grocery cart, I review the grocery list. Knowing the layout of our store, I can quickly find the items on my list that are on the first aisle. I can then send my son and older daughter ahead to navigate the aisle, find the item, bring it back to me, and gently place it in the cart. (We are still working on the gently part. :-))

5. Focus on the Task

As we travel through the store, the list guides our movements. If none of the items stocked on the second aisle are on the list, then we move to the next aisle. The list eliminates backtracking and walking up and down extra aisles which saves us energy and time. By knowing our store’s layout and following our list, we quickly gathered our savings and headed for checkout.

In using time wisely, I use a grocery list to verify my items, calculate price, estimate time, formulate a plan, and focus on the task. My grocery list is more than just a list of items. The grocery list tool frees me to gather needed groceries without wasting time while I spend time with my children (who love to walk through Aldi with their umbrellas up). 🙂

When you plan and execute your grocery list, you just might find yourself going to the checkout counter saying, “Wow, that was fast.” Happy savings!

Question: How does your grocery list save you money, energy, and time?

Giveaway: Celebrating Earth Day – April 18-22, 2012

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Giveaway: Celebrating Earth Day – April 18-22, 2012With new updates to Using Time Wisely, both on the blog and on Facebook, and Earth Day coming on Sunday, April 22, I think it’s time for another giveaway. 🙂

The Giveaway

In honor of Earth Day, I purchased 4 CVS green bag tags. These green bag tags went on sale for $.99 and triggered a $.99 Extra Buck.

When I bought the tags, I used Extra Bucks from a previous visit and then received $3.96 in Extra Bucks for this purchase. Basically, I got these items for free.

The Prize

The CVS green bag tag has rewards of its own. In stretching your dollars, you can earn a $1 Extra Buck (store credit) for using your green bag tag. Here’s how:

1. Win a CVS green bag tag from Using Time Wisely.

2. Attach your green bag tag to your favorite reusable bag.

3. Take this bag to CVS when you shop.

4. Present your CVS green bag tag during checkout, and allow the cashier to scan it.

5. Watch your receipt because on the 4th visit, you will get a $1 Extra Buck that prints at the bottom.

NOTE: You can only get credit for your bag tag once a day – even if you shop at multiple locations.

The Winners

  • Four lucky Using Time Wisely readers will receive a CVS green bag tag.
  • This giveaway ends on Earth Day, Sunday, April 22, 2012 at 11:59 p.m. Selected via randomorg.com, all winners will receive e-mail notification. (My privacy policy explains how I will never share your e-mail address.)

The Entry Form

All entries must be submitted using the Rafflecopter form below. There’s no mandatory entry, so do either or both options to increase your chances of winning.

Please wait for the form to load. If you don’t see the form, try refreshing the page or using a different browser. If you have problems, please let me know in the comments. Thanks for entering, and good luck! 🙂

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Blue’s Clues Birthday Party – Part 2 of 3

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Blue's Clues birthday partyLast week I shared how Paul and I chose our toddler’s 2-year-old birthday party theme of Blue’s Clues. After making the theme choice, I had more decisions to make.

Since my two older children had a Blue’s Clues party for their first birthday, I had many items. However, I had no games. With my toddler joining in the games of her older siblings, we had to have a game of Blue’s Clues.

For those unfamiliar with this children’s program, Blue is a female dog that does not talk. To get her idea across, she marks three clues with her paw print to help us find the answer. Each segment follows the same basic sequence with the clues changing from episode to episode. The repetition is fantastic for learning sequence and order.

Keeping the guest list to our family, extended family, and one close friend’s family, I planned the following 2-hour morning birthday party for 8 adults and 6 children (ages 2 to 6):

Blue’s Clues Birthday Party Itinerary

Welcome. Greet each guest as she arrives, and escort to the living room to play or color Blue’s Clues coloring pages.

Games – Part 1 of 3. When all the guests arrive, the games will begin.

1. Find the First Clue: In determining what Blue wants to do today, we will need to play Blue’s Clues. With the first clue hidden, the participants will search for Blue’s Clue. Once found, we will add the clue to our handy-dandy notebook.

2. Hide and Seek Blue: Prior to the party, I will hide six different Blue’s Clues items (2 figurines, 2 stuffed animals, and 2 bath mitts). Each participant will seek one item.

Lunch. The table settings will include name cards for each child. The adults will help serve the children in the dining room and then relax and eat in the living room.

The menu:

  • Ham and cheese sandwiches
  • Chips and dip
  • Carrots, celery, and olives
  • Fruit salad: strawberries, cantaloupe, and bananas

Games – Part 2 of 3.          

3. Pin the Paw on Blue: I will cut out 6 paw prints and write one participant’s name on each one. After blindfolding one child, he will turn around and placed the paw on the printout. The younger participants will either close their eyes or just stick the paw print on Blue.

Open Presents.

Games – Part 3 of 3.

4. Find the Second Clue: Another paw print is hidden. When the participants find it, we will draw that clue into our handy-dandy notebook.

5. Find the Third Clue: The participants will find the last paw print. We will add the last clue to our handy-dandy notebook and decipher Blue’s Clues.

Sing, Blow Candle, and Cake.

Thank you and Goody Bags.

Play with new toys and goody bag items.

With the itinerary set and most of the decorations unpacked, I waited for help to arrive before decorating the space and preparing the food.

With a plan in place, I scheduled time for play, games, food, other games, presents, more games, dessert, thankfulness, and goody bags. Next week in Part 3, I will finish this Blue’s Clues birthday party series with our execution of the planned itinerary.

Question: How detailed do you plan for a child’s birthday party?

Spring Cleaning: 7 Steps to Making a Bed

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Photograph Credit: Flickr (Yew Tree House)

Somehow just making the bed brightens my bedroom. I can have everything picked up but the room still looks messy with a disheveled bed.

I realize there are days when just flinging the comforter over the sheets will have to do. I get that because it happens at my house, too.

But during spring cleaning, I want to wash all the linens and setup the beds correctly. To get the same look each day, I follow these 7 steps to making a bed.

Step 1: Bed Skirt

For the master bedroom, we place a bed skirt on the box spring to keep dust from collecting under the bed and to hide the contents under our bed. Since the bed skirt gets dusty, I strip the bed completely and wash all the linens including the bed skirt.

When time to replace, I lay the bed skirt out on the box spring with the ruffle falling on the left, bottom, and right of the bed. The straight edge lays across the top of the bed by the headboard.

Step 2: Flip the Mattress

If your mattress needs flipping like ours, I get help when putting the bed back together. With the mattress in place, I check the bed skirt for alignment and make any adjustments. I like to keep the bed skirt even all the way around the bed.

Step 3: Mattress Cover/Pad

Mattress Cover

At one time we placed a plastic mattress cover on the mattress. However, the bed crinkled when we turned over and stayed warm. The heat would be fine during the winter, but during the summer months, the bed was uncomfortable. So, I took the mattress cover off.

Mattress Pad

To protect our mattress, we place a quilted mattress pad over the mattress. After washing, I place the pad on the mattress using the “X” pattern.

The “X” pattern: Start at the top of one corner and then stretch the pad to the opposite bottom. Then I repeat on the other side.

By working in an “X” pattern, the pad does not slip off the mattress. Of course, when I have help, the task goes quicker.

Step 4: Fitted Sheet

When working alone, I work in the “X” pattern. The sheet stays in place without slipping off the mattress pad.

Step 5: Cover Sheet

I place the wide hem of the cover sheet at the top of the bed with the “good” side facing down. I then fold the top down a few inches. Making sure that the sheet is even on both sides, I then tuck the sheets under the foot of the bed.

TIP: If you have a tight fit or newly polished nails, then consider using a wooden spoon to tuck in the sheets.

If you want to make hospital corners, here is a great pictorial post for that angled look.

Step 6: Comforter

During the winter, we sometimes keep a blanket over the fitted sheet, but usually just our comforter lies on top. When adding to the layers of the bed, I try to keep the comforter even on both sides and cover the sheets. If the cover sheet is hanging down, then I get the wooden spoon or just tuck the sheet under the mattress.

Step 7: Pillows

When placing the pillows into the pillowcases, I prefer to insert them tag-side first. This little trick saves me time tucking the tag in when making the beds in the morning.

I also place the pillows that go in the shams inside pillow protectors. These plastic sleeves protect the pillows which keeps them in good shape for a long time.

With the linens washed and placed on the bed, making the bed only takes a few minutes. By working on one side and then moving to the other side, I can make our bed in about 2 minutes. But if the sheets are falling off the mattress cover and rolled into a ball, then making the bed will take more time.

In using time wisely, I concentrate on setting up the bed to save time while making the beds most mornings. 😉 Happy spring cleaning!

Question: What other tips do you have for using time wisely while making your bed? 

Tax-Favored Programs: Dependent Care Spending Account

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Excitement time! Today, we will complete our fourth category in our insurance document file. Yeah!

Remember: Your file will hold the insurance policies you carry. If you do not have one of these policies, then just skip it. This series is not meant to place pressure on you to buy more policies. I only share how I have organized our important documents.

Within this category, we have filed our Health Savings Account (HSA), Pre-Tax Group Insurance Premium, and Medical Spending Account documents. The last set of documents in this file opening is the Dependent Care Spending Account paperwork.

NOTE: I have never had this type of spending account. Though I have researched and understand the savings through this program, I can only offer information and not my experiences.

I have had the wonderful privilege of staying home with my children, and when needed, we have close family and friends to babysit for us. We are very fortunate and have not needed a dependent care spending account. However, the benefits are worth having one if you incur dependent care expenses which is why I am devoting a post for this type of account.

Dependent Care Spending Account

Defined

A Dependent Care Spending Account is an IRS tax-favored account you can use to pay for your eligible dependent care expenses to make sure your dependents (child or elder) get care while you and your spouse (if married) are working. Withdrawn from your salary before deducting taxes, these funds allow you to pay your eligible expenses tax-free.

Types of Dependents

Check your policy, but usually dependents are individuals residing in your household for at least eight hours a day including:

      • Children 12 years or younger and
      • Adults or children mentally or physically incapable of self-care

Eligible Expenses

Changes occur to the law and policies, so check your policy. But some of the eligible expenses may include:

      • After school care
      • Baby-sitting fees
      • Day care services
      • In-home care/au pair services
      • Nursery and preschool
      • Summer day camps (but not overnight camps)

Ineligible Expenses

Most Dependent Care Spending Accounts will not reimburse for the following expenses:

      • Books and supplies
      • Child support payments or child care if you are a non-custodial parent
      • Health care costs
      • Tuition costs
      • Services provided by your dependent, your spouse’s dependent or your child who is under age 19

Cost

Possible Fees

Our policy would charge a $2.50 administration fee per month along with our $.12 per month for the pre-tax group insurance premium (since these fees get paid with pre-tax dollars). Each policy has its own fees and regulations. Just check with the employer for specific requirements.

Availability of Funds

Once you sign up for a Dependent Care Spending Account and decide how much you want to contribute, the funds available to you depend on the real funds in your account. Unlike a Medical Spending Account, the entire annual amount is not available during the plan year, but rather after your payroll deductions get deposited.

For example, if you incur $500 in dependent care expenses and your account from payroll deductions has a $400 balance, then you can only get $400 in reimbursement. Once the next payroll deduction amount reaches your account, you can request the remaining $100 reimbursement. This is only an example. Your provider may only allow one reimbursement per bill. If that is the case, then you would need to wait for the next payroll deduction to submit the $500 bill for reimbursement.

Losing your Allotment

Similar to the Medical Spending Account, any money remaining in your account cannot be returned to you or carried forward to the next plan year. Be conservative in your estimates and abide by the limits on the Dependent Care Spending Account.

Using Time Wisely

The other cost is your time. You will need to supply information about your caregiver to your provider and then prepare and send forms for reimbursement. Your time is valuable, but in using time wisely, you can save hundreds of dollars on dependent care through this savings channel.

Documents

If I had a Dependent Care Spending Account, I would keep the following documents in this file:

1. Notice of enrollment showing the payroll contribution amount

2. Forms or instructions for filing for reimbursement

3. Correspondence from your provider including explanation of spending account and privacy policies

With these documents gathered, I would paper clip them together and place them behind our medical spending account paperwork. If you do not have this account, like me, then your file will not have this information.

I do keep some documentation about this type of account in our file because I may need it one day. If I need to return to the workplace and our children or our parents need care during the day, then we can enroll in a Dependent Care Spending Account.

Congratulations on completing another category in our insurance file housed in Box 2. You are making progress. Keep up the great work while using time wisely. Happy organizing!

Question: Do you use a Dependent Care Spending Account? If so, what would you add to this list?