Tag Archives: money

Welcome Get Rich Slowly Readers!

Today, GetRichSlowly.org has featured my guest post about the Costs & Savings of Having a Stay at Home Parent, something we learn more about each day. I hope you take the time to check it out and come back here to let me know what you think in the comments!

Hi Get Rich Slowly readers and welcome to ThePhotographersWife.com!

As you may have just read, I’m a CPA and mommy to an 8 month old little boy and my husband is a work from home photographer. We take LOTS of photos – but my husband is always behind the camera, so Trent and I are usually the models!

Trent 6 months-7

This definitely is not a personal finance blog, but we try to incorporate money-saving techniques into all areas of our life, including baby food, travel and everyday activities, while also having fun and being silly. Plus, my life revolves around numbers and I hope to one day be able to teach my kids about the things I’ve learned (and am still learning!) about money.

 

Here are some of our favorite posts that you may enjoy!

Save by making your own baby food!

Homemade Baby Food-10.jpg

Our biggest expense this past year

New Roof-10

The happiest moment of our lives (and a video!) and every milestone since

Hospital time-11

Saving money on our car insurance – and an Update!

Progressive-1

How we plan our Disney World Trips

Disney Maternity-10

Make the most out of your baby registry

mickey diaper cake

Creating a nursery and play room without breaking the bank

Nursery-11

 

Thanks for stopping by!

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Sponsor The Photographer’s Wife!

We started this blog in 2012, a couple of months before Trent was born. It started out as a way to share all of our pregnancy and baby news with friends, family and anyone else that wanted to come along for the ride. We had a lot of new things happening that we wanted to share, a nursery, craft projects, maternity photos, Disney World Trips, to name a few. Over this short time, it has grown to much more and I am so thankful. Really. I really try to put as much effort into each new post as I can and I hope you are able to see that and enjoy it.

I’ve also cultivated relationships with companies and other online bloggy friends and love being able to offer a little sumtin’ sumtin’ to you guys as a giveaway or discount as often as I can. Who doesn’t love free stuff?!

Most of you may find this post boring, but I just wanted to get the word out there that we have made a few changes to our advertising/sponsor page and how we do all things sponsor-related.

If you check out the Sponsor page (top menu), you’ll notice a new fancy way of purchasing/placing ads. I decided to try Passionfruit Ads, which allows you to see the advertising options, choose which one you want, upload your photo and link, pay through PayPal and voila! Your ad will be up on our site within minutes and you donn’t have to play the email back-and-forth game. Isn’t that awesome?

Sponsor Us

Of course, I get to approve all ads, so nothing should appear on here that isn’t family appropriate. Let us help promote your blog or business!

As an added incentive, I will also start doing a monthly sponsor shout-out post that will spotlight anyone that has purchased an ad that month, as well as any business I have had the pleasure of working with that month through a review, giveaway, etc. Just another way to share some awesome stuff with you guys while helping keep baby Trent fed :P

Here are some fun numbers, because what’s a CPA who doesn’t love numbers?

Average monthly visitors: Over 30,000 (over 53,000 in December!)

Facebook likes: 211 LIKE US!

Pinterest followers: 1,035 FOLLOW US!

We’re also on YouTube and Twitter.

 

Here’s a little Valentine’s Day gift to you (a few days late, because I’m late for everything)

10% off all ad spots purchased in February with code:

thephotowife

 
P.S. In other fun news, I’ve been notified that one of my guest posts will be featured on a popular personal finance blog this weekend! I’ve been reading that blog for a few years now and I’m so excited. I can’t wait to share it once it’s live!
 
xoxo
Lynn

 

Stocking Stuffers

Ok, now that it’s after Thanksgiving and the Black Friday craziness has hopefully settled down, I can talk about Christmas without being chastised. Since I just ordered Trent’s Christmas stocking from the Disney Store (an embroidered Mickey one!), I just started thinking about what I’m going to put into his and Brett’s stockings, and what they might put into mine.

I’ll never forget the first couple of years Brett and I were together. He insisted that all throughout his years growing up, his parents would put things like movies and video games in his stockings each year. So I went along with it and also included the standard toiletry items, such as razors, shaving cream, shampoo, etc. Looking back, I can’t believe how much money I spent on his stocking stuffers! I also can’t believe how expensive razors are either…but I’ll save that rant for another time lol. It was only after a few years that I brought it up while talking to his mom and sister that we determined his memory must have been a little fuzzy because they insisted they always got stockings full of candy and low-cost trinkets…you know, stocking stuffers!

Well, I don’t want to put nothing but candy and worthless stuff in their stockings (Trent can’t even have candy anyway!) but I also don’t want to spend a lot of money on stocking stuffers and would rather save that money for under-the-tree gifts. I’m trying to at least be a little frugal during this tough economy, but also want to be creative and give small items that can be useful and enjoyed.

Here are some ideas I’ve considered for good stocking stuffers, for them and whoever you may need them for:

 

Adults:

Magazine Subscriptions - Talk about a gift that keeps on giving! You could buy the current issue of a magazine, then stick a little certificate telling them they’ll also be getting a subscription in the mail for the next however many months! They get to read something now and for several months after! Magazines are becoming less popular due to the increasing popularity of eReaders or digital magazines, but it’s still fun to get the actual magazine to read and you can score some pretty cheap magazine subscriptions by purchasing online from sites like SubscriptionAddiction.com (use code mom15per for 15% off).

Travel-sized toiletries – Give little bottles of their favorite brands of shampoo, conditioner, lotion, shaving cream, soap…pretty much anything in bins at Target or Walmart. Or you could give them brands they’ve never tried before! I’ve used coupons that were allowed on travel sized items to score super cheap or almost free travel sized items in the past.

Small picture frames – Maybe you could even put a family photo in it too!

Mini candles and tea lights or warmer scents

Pens and stationary

Trials for services (like Netflix or Hulu) – These are free or you could pay for one month of the cheapest service, which is usually no more than $10. Just make sure  you remember to cancel if you don’t want to continue the service.

Low cost gift cards – As in $5 or less to places like Amazon, Target, Walmart, iTunes…anywhere they could use a gift card to pick out small items or download a few songs. I bought Brett a gift card to get his car washed last year that was used pretty quickly.

Gum and candy – Ok, I can’t deny it, these can be good stocking fillers…but in moderation!

 

Teenagers:

Magazine Subscriptions - Same as above. I noticed my niece has a few magazines on her wish list this year too, such as Seventeen and Teen Vogue, so that could turn into a good gift. Boys may like Sports Illustrated or MAD.

Travel-sized toiletries – Same as above.

Perfume/cologne samples – Or any other samples you receive in the mail. You can get little “try-me” sizes of perfumes/colognes at stores or requesting them online.

Fashion jewelry – Mostly for girls, but places like Target and Kohls offer lower cost costume jewelry, like colorful rings and earrings. You could also add sunglasses or accessories.

Fun socks – I love fuzzy colorful socks!

Makeup/lip balm and hair accessories – Girls love that stuff…’nuff said.

Low cost gift cards – Same as above

Gum and candy – Same as above

 

Kids:

Magazine Subscriptions - Kids may not understand the concept of getting a “subscription” which may make it better to include the current issue, but that doesn’t mean they won’t be excited to receive “Presents” in the mail every month! I look forward to getting Trent activity magazines, Disney Junior or other educational/fun magazines in a few years.

Coloring Books, Crayons and Other Small Art Supplies

Travel games – These are usually hanging up in the game section and can include travel Scrabble, Connect Four and Pictionary.

Small Stuffed Animals

Play Jewelry

Girly hair accessories

Gum and candy – Same as above

 

Babies:

Rattles and Other Small Toys – Think travel toys, toys for the diaper bag, blocks, finger puppets, etc. Just don’t include anything too small that they can choke on!

Bath toys – Little squirter toys and duckies.

Mini-books – Can be found in the baby book section at most stores.

Socks or slippers

Headbands or Hats

Teether toys

Small stuffed animals – Again, not too small!

 

One of my favorite things to do is just roam around Target (can you tell I love Tar-Jay?) and just look around. They always have interesting items hidden throughout the shelves, and I especially love coming across a Clearance end cap…jackpot! Just look for little items but keep the individual prices low so that the cost doesn’t creep up on you when everything is added together! Happy shopping!

 

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Progressive Snapshot Update

A little over a month ago, we embarked on a quest to save some money on our car insurance by testing out the Progressive Snapshot.

When we first got the Snapshot, I posted about it, along with my hopes and hesitations of letting my insurance company monitor my driving habits (I AM from New Jersey after all…land of road rage and excessive middle finger usage). You plug the device into your vehicle and drive as you normally would (or better-wink, wink). After just 30 days, Progressive takes a look and decides whether to give you a discount based on your driving habits.

Well, here we are, over 30 days later and I am delighted to say we received the maximum discount! Woot! Woot!

I was a little worried at first because when we got our bill for the next 6 months, it showed that my 6-month premium actually INCREASED from my prior 6-month premium. WTF!

It just so happened that they sent out that bill JUST before they calculated my Snapshot discount. Talk about bad timing…I was going to be soo angry! I already had the number for another insurance company on speed dial ready to go.

The very next day, I got my updated bill for the next cycle and there it was…a nice shiny 30% discount. I wanted to kiss the computer monitor. I saved over $160 for the 6 month premium between what my bill was going to be and what it is after applying the Snapshot discount. Not too shabby.

And as icing on the proverbial savings cake, since there is a month left on my current policy that’s already paid in full, they gave me a refund of $31 back onto my credit card! That paid for our monthly Walt Disney World Annual Pass payment!

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Progressive Snapshot

I’ve had Progressive insurance for my car for almost 6 years. I even dressed up as Flo for Halloween a few years ago! Brett made this entire costume!

I promise I’m not obsessed with Progressive, I just thought Flo was a great costume! It was a hit!

I get every discount I qualify for, like homeowner and e-statement discounts, but I’m always on the lookout for new discounts.

When the Progressive Snapshot device was introduced, I was definitely hesitant to try it. The premise is that you plug the Snapshot device into your vehicle and it monitors your driving…the times you drive, your speed and your hard breaks. If, after the monitoring period, they see that you are a safe, low risk driver , they will give you a discount!

Well, my first thought was wondering whether it could go the opposite way…as in, could you be charged more if they find you to be a higher risk based on your driving habits? There also isn’t set in stone rules about what they consider risky and how they determine your discount (if you know where to find this information, please let me know!), and I prefer to know what my goals are or what will be considered bad.

Well, either way, Brett decided that we should give it a try. After all, he is now home with Trent and doesn’t have to drive over an hour a day for work, so he should definitely be considered low risk. However, I’m from New Jersey, the state of risky drivers. This could get interesting.

After talking to our insurance agent, our Snapshot devices arrived in the mail within a few days. We each received one to plug into each of our vehicles.

Setting up the Snapshot is simple and quick; it took Brett less than 5 minutes to plug them in to each of our vehicles. It just plugs into the vehicle’s onboard diagnostic port, typically beneath the steering wheel.

Each day, the device sends your driving information to Progressive to analyze. You can even go online and view the information that has been sent to them.

You can view all of the days and general information from each day, such as your driving time, number of trips and hard brakes. Quick tip: Progressive considers a hard brake a reduction of over 7 mph in less than a second. I found this out AFTER I saw I had 2 hard brakes. Sometimes I question the validity of the information…I swear I didn’t have those 2 hard brakes on the day they say I did, but then there has been other days where I would think I had a hard brake and nothing showed up. Shhhh…don’t tell. ;)

You can also view more specific information from each day, like the times you drove and how fast you were going.

We’ve had the Snapshot for a little over a week and we are definitely more mindful of our driving. I think about how each action will affect my Snapshot information and try to plan ahead for when I know I’ll need to brake. However, I have noticed times when thinking about the Snapshot has negatively affected my driving, especially when braking. For instance, when braking, I will look down at my mph to make sure it doesn’t go down too fast instead of paying more attention to the road or I will start braking too slow so as to not reach that 7 mph threshold, only to not brake fast enough once I finally reach the car in front of me and then I have to brake harder than as if I had just started braking normal to begin with.

I think after a 30 day “test drive”, Progressive will review our Snapshot information and apply a discount if they find us to have good driving habits. Then, we can keep the Snapshot plugged in for an additional 5 months to get even more of a discount…up to 30%.

So far, I think I’m doing pretty good other than driving during medium risk times each day. Brett has only driven about 3 times since we started, but fortunately they have mostly been during low risk times. I’ll keep everyone updated to our progress…I hope we get a big discount baby!!

UPDATE: Click here to find out if we got a discount after the first 30 days!

 

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