5 Ways Using Clicklist Can Help Control Your Grocery Budget


Does your grocery budget need some discipline? Do you need an easier way to stop impulse buys and stick to your list?  Well then I have the solution for you….. ClickList!

budget groceries made easy

What is ClickList?  ClickList is Smith’s Food and Drug new online shopping system.

Check out my previous article and video on how to use ClickList

In the meantime let me share why using ClickList can help you control your grocery budget

5 ways using ClickList can help control your grocery budget

  1. Shop from items you buy often.  Once you sign in you’ll see your favorites items, which are based on your frequent shopper card.
  2. Using your menu planner, it forces you to create a shopping list.
  3. No more impulse buys.
  4. Know exactly how much you are spending.  This is great for those on Dave Ramsey’s cash only program.
  5. Coupons available right at your fingertips.  No need to clip coupons anymore.  Just click to load it to your frequent shopper card.

ClickList is simple to use.  Head on over to Smith’s Food and Drug to log in.  ClickList is also available at Kroger and affiliate stores.

Plus since I teamed up with Smith’s they are giving MomsLifeboat readers the opportunity save $5.00 off your next ClickList order.  Just print this coupon and give it to your ClickList associate.

This is a great way to start and stick with your grocery budget.  Comment below and share with me ways you budget for groceries.

Life Insurance Is an Investment in Protecting My Family’s Future

This shop has been compensated by Collective Bias, Inc. and its advertiser, Protective Life. All opinions are mine alone. #iamprotective #CollectiveBias  The article I share with you below, is my personal story, how life insurance became an investment in protecting my family’s future.

protective family

From the time our first child was born we knew we needed to lead a Protective Life. We chose a top of the line car seat, just to ensure our children were safe at all times. Now that they are older, we still continue to protect them.We make sure our kids put their seat belts on while riding in the car and we’ve even chosen a car that has a good safety star rating with lots of airbags.  We even make sure they wear the proper protective gear for the sports they play.
Protecting Child

Needless to say, we try and do our best as parents to keep them safe and comfortable.

Then I realized that we worked so hard in protecting them now, but I failed in protecting them for the future.

I’m embarrassed to say that for the first 15 years of our marriage, I couldn’t justify paying for life insurance. You know I’m all about saving money and that is one area we could save on.  We were young, young people don’t die.  Life Insurance is for old folks and I didn’t want to jinx us. I mean really!  How silly was my thinking. I knew young people die, but I still couldn’t bring myself to purchase life insurance. It was something that we just kept putting off.

I am Protective

Thinking about death is scary. No one wants to think about dying. The thought of never seeing my children grow up and the thought about not growing old with my husband brings tears to my eyes every time. I also don’t want to think about my husband dying either. It scares me even more now that I’m a stay at home mom. I’ve been out of the work force for 6 years, I’d have to start all over again.

gravesite

It wasn’t until we started putting our estate in order, that we really understood the importance of having life insurance.  My husbands employer provides 1 year salary for his death, but after paying for funeral expenses I really wouldn’t have much left to live on. We aren’t a wealthy family, we are still building up our retirement income, our savings is minimal and none of that would be enough to care for our family and live the way we do now.

In the event I died before my husband did, he would still have his income to live on. But without me around, he’d have to hire help to assist with our kids. Whether he’d put them into after school care, hire a nanny or so on. His salary covers our current expenses with me being home, not with him having to hire someone else care for our children.

Fun Photos 2

We have mandatory things such as health insurance, home owners insurance and car insurance and because we are “forced” to pay those we don’t think twice about that. But when it comes to having life insurance. We dilly dally around, when we really should think of life insurance as an investment in our family’s future and make it mandatory!  I know I’m not the only one that thinks this way.  I loved the video on Protective Life of Anthony Anderson sharing how his family made it mandatory too.

The fact is we will die. We assume and hope that it will be when we are old and our children are grown and out of the house. But only God knows when our time will end and I hope he chooses when we’re old and our children are grown. But if he takes us while their young, we want to ensure they will continue to live the way we live today.  In order to do that we need to have life insurance and we need to choose the right amount of life insurance that suits our family’s needs.

My husband wants me to be home with our children. He doesn’t want me to be forced to return to work. Therefore we aimed for 10x’s my husbands salary. That amount will give me enough to invest and continue to live the way we live today.

In the event of my death, we aimed for enough life insurance to cover all of our expenses and ensure we had enough money to cover any additional help he may need to care for our children.

We also chose to get life insurance on our children, just enough to cover their funeral expenses.

I share this story with you because September is National Life Insurance Month?  I’d love to hear your story. Comment below and share with me what lead you to make life insurance a priority for your family.

 

 

Start the New Year off with Your Free Credit Score

Getting your free credit score is a great way to start of the New Year!  Many of you are making resolutions to get your finances in order and this is the perfect way to get started.

Now getting your free credit score is absolutely free with Credit Sesame.  You do not have to enter a credit card or anything. Which is something I love about this.  I’m always sketchy about entering my information and I get even more sketchy if I have to enter my credit card info.   But with Credit Sesame all you need to know is your personal information.  An example would be the amount of your car or mortgage payment.

Knowing where you stand with your credit is imperative especially if you are looking to purchase a new home or car in the future. This also give you access to credit monitoring, with credit card breach fiasco’s happening often.  This will definitely come in handy.  Now that you’ll know where you stand, it’ll give you a great idea of where your focus needs to be this year.  If you happen to be planning on a home purchase be sure to check out my post Why You Should Never Buy a Home.

It took me less than 5 mins to sign up and get my credit score. It was pretty simple. However, before you are given your credit score, you do have to choose an analysis: (ie, lower my credit card payments, refinance etc) I choose to analyze all.  Once it finished analyzing it gave me the option on how I could lower my interest rate, buy a mortgage and so on along with my FREE credit score in just a few minutes. The one thing I did like about the analysis was the breakdown/total of my monthly payments. That was kind of an eye opener for me.

Head on over to CreditSeasame.com and get your free credit score now.

The Ultimate Bucket List for Couples

Being a one income family prevents us for doing a lot of fun filled activities. We tend to put things on the back burner and the next thing you know we’re getting ready to celebrate our 21st wedding anniversary and we’ve never taken any anniversary trips.

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26 Week Christmas Savings Plan – Start with $26 a week End with $1001 by Black Friday

Need a Christmas Savings Plan?  Why not try this 26 week Christmas Savings Plan.  Over the next 26 weeks using the progressive format you can save $1001 by Black Friday.

 

christmas savings plan

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Buying Vs. Renting: Why you should never buy a home

Many of you have been asking yourself.. should I rent or buy a home. For as long as I can remember the The American dream has always been to purchase a home. It just seems like a natural part of our life cycle. By purchasing a home it’s by far one of our biggest accomplishments.  But is it?

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