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New Giveaway: Win $150 Amazon Gift Card!

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Signup to win a FREE $150 AMAZON GIFT CARD!

Hi, Friends!  Welcome to Momma Money Sense where you can get FREE advice from a professional Julieaccountant. I’m Julie Tronsen, founder of this blog, and my goal in life is to help as many people as possible to achieve their financial dreams!

I am so excited to announce our next big giveaway!  Our last winner was Autumn G. of Ortonville, MI and she received a $125 Amazon Gift Card. Who will be the next winner of $150 Amazon Gift Card?

The reason we are doing these giveaways is to get more people to subscribe to Momma Money Sense. The purpose of this blog is to help people achieve financial freedom! I want to help as many people as possible to get their finances under control, get out of debt, and build wealth. As a professional accountant, entrepreneur, and college instructor, I have the answers to your money questions! And it’s all FREE. You can Ask the Accountant or get help with a variety of money management topics by reading the blog posts.

Sign up below for your chance to win.

The giveaway is open to U.S. residents, age 18 and over. There is no purchase necessary to win. There are multiple ways to increase your likelihood of winning. The contest is being hosted by Gleam. The winner will be randomly selected by Gleam at the end of the contest. You must enter by August 25th to be eligible. The entries require tasks to be done in order to be valid. If selected, your task will be verified. Make sure to tell your friends. Each time you refer someone to the contest that signs up, you get another chance to win. Scroll down to enter.

(Please don’t enter the giveaway unless you are planning on remaining a subscriber after entering. Becoming a subscriber means you will receive weekly email updates from the blog with new blog articles, links for coupons and deals, and the latest news from the blog. The purpose of the giveaway is to get more subscribers to Momma Money Sense so that I can provide useful financial advice to people who need it. If you don’t need or want money management and wealth building advice, please don’t subscribe or enter. Thanks.)

Here’s Where You Enter to Win:
MommaMoneySense.com $150 Amazon Gift Card Giveaway

Lots of Freebies

If you like freebies,  click below for a free printable budget workbook. Also, check out my FREE Printables page for many more items that can help organize your life and save you money. I will be adding more freebies each month. Plus, I will send out weekly newsletters to subscribers with lots of useful money management tips, deals, coupons, and freebies!

Topics Covered on Momma Money Sense:

  1. Money making ideas
  2. Tips on reducing your expenses
  3. Budgeting help
  4. Ways to get out of debt quickly
  5. Online deals and coupons
  6. Meal planning on a budget
  7. Frugal family activity ideas and tips
  8. Tax advice
  9. Home business advice
  10. Do-it-yourself ideas
  11. Tips to increase your income
  12. Ways to build wealth

MommaMoneySense.com $150 Amazon Gift Card Giveaway

Posts you might be interested in:

Come back soon for more money tips and don’t forget to enter above for your chance to win the $150 Amazon Gift Card!

This Magical New Budgeting App Will Change Your Life Forever!

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 What if there was a budgeting app that forced you to follow your budget? Sticking to your budget is one of the most difficult parts of budgeting. That’s why some investors got together and created a special app that forces you to stick to your budget. How’s that possible? I’ll explain.

ProActiveBudget.com

The way it works is you set up a bank account with ProActive Budget and they issue you a debit card. ProActive Budget uses a real bank and is FDIC insured.

Then you use their app to set up categories for Budget Envelopes, like groceries, entertainment, etc. Once you set the envelopes up, you set a spending limit for each category. When you go shopping, you select an envelope to use. Once the money is gone from that envelope, the card won’t allow you to spend any more of your money. It’s a simple, yet powerful tool to limit your ability to overspend. It basically forces you to stick to your budget.

I was so excited to share this great idea with you that I reached out to ProActive Budget and asked for a discount for my readers. If you decide to sign up for this budgeting app, click here and use the code MOMMA$ and they will give you $5 off your membership.

A Total Solution

I’m recommending this app because it has so many great features. It really works as a full budgeting solution. It allows you to share your budget across devices with a spouse or partner. Every dollar has a job in the budgeting app and it’s safe and secure just like a regular bank account. The card works online or in any store and even in ATMs, but declines purchases that go beyond the limits you set for yourself.

Of course, the app has a monthly fee, but it’s worth it. It can really help people get their spending under control. It costs $5.75 a month for one user and an additional $2.42 per month for a 2nd user. But you can get $5 off with the code MOMMA$.

Testimonials

ProActive Budget has quite a few testimonials on their website showing how couples made amazing financial changes once they used the app. Here’s one user’s experience from the site:

Letisha: “We’d usually get down to $15 for a week before payday. After a month with ProActive we had $300. My husband and I both have our envelopes at any time.”

ProActive Budget is basically an electronic version of the Cash Envelope System. It works great if you don’t want to use the cash version with the paper envelopes. It definitely forces you to stay on track financially. If you decide to sign up for this budgeting app, click here and use the code MOMMA$ and they will give you $5 off your membership.

If you need help setting up a budget, click here. Learn about the Cash Envelope System here. Get your FREE copy below of The Modern Mom’s EPIC Guide to Easy Budgeting! 28 Page Workbook with 87 ideas to reduce expenses, 14 beautiful worksheets, 7 bonus lessons, and full, easy-to-follow instructions.

This post may contain affiliate links, which means I may receive a small referral credit at no cost to you while still providing you the best offer I’m aware of.  Please read my disclosure page for more information.

Ultimate Money Saving Guide for Eating Out

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Ultimate Guide to Eating Out for Less

Do you ever feel a little guilty when you eat out because of the extra cost? Not anymore. I’m going to teach you how to make eating out work with your budget.

There are so many tricks out there to save money at restaurants that it has become more affordable than ever. But it’s hard to find all the tips, one at a time, by searching the Internet for advice. So I assembled all of the best advice from all across the web. Now it’s all in one place for you to choose the best strategy for your budget.

23 Ways to Save When Eating Out

  1. Get discounted gift certificates. Before heading to the restaurant, check the site called restaurants.com for half priced gift certificates for local restaurants.
  2. Buy discounted gift card. Many sites sell discounted gift cards to a variety of restaurants. Use the site Cardpool, or Raise. See this post for more info.
  3. Use a coupon. Go to Valpak.com or Coupons.com to find coupons for additional money off restaurants. Entertainment books usually have restaurant coupons.
  4. Get a rebate. Use Ebates, MrRebates, or Ibotta for cash rebates after eating out.
  5. Order water. Ordering water instead of other drinks can save a bundle of cash. Water is always free. If you eat out once per week, you could save $300 per year per person by ordering water instead.
  6. Split a meal. At most restaurants, it’s ok to order one meal and split it between two plates. This will cut your restaurant bill in half when there are two of you. Besides, the amount of food served per person is usually way too much for one person to eat anyway.
  7. Eat an appetizer or side. You can often fill up on the cheaper appetizer or side and skip the main meal. This works especially well if you are eating out for the social aspect, rather than filling up.
  8. Be selective on where you eat out. Casual dining, where you don’t have a server, often can be 1/3 more expensive plus you end up leaving a bigger tip. Or you can order your meal to go and avoid a tip altogether.
  9. Pick a better time to eat. If you go during lunch instead of dinner, you can save anywhere from $10 to $30 a person.
  10. Use your reward credit cards. Use your rewards credit card to pay for the meal, but only if you plan on paying it off right away. Some cards give you up to 3% back on restaurants. Just be sure to pay it before the next billing cycle so you don’t pay interest on it.
  11. Use a loyalty card. Many restaurants will give you free meals after so many visits. All you have to do is sign up for their loyalty card and have them scan it before you pay. Some will email you special offers.
  12. Use a restaurant club. There are several programs that give you rewards for eating at any restaurant on their list. You can register your credit card (or your cash back credit card) at iDine and get rewards if you write a review of the restaurant later. Others restaurant clubs include American Airlines AAdvantage Dining and Southwest Rapid Rewards Dining.
  13. Make an online reservation. If you reserve your table through Reservation Genie or Open Table, you can get rewards in the form of gift certificates.
  14. Find local deals. You can often get amazing offers at Groupon, Amazon Local, Scoutmob, or Living Social for local restaurants in your area.
  15. Go to a buffet. For a small price, you can eat all you want at a buffet. This might save you money depending on how much you normally eat.
  16. Order the daily special. Some restaurants offer better prices on their daily special and it is usually one of their better tasting meals.
  17. Order kid size. If you are not a big eater, try ordering off the kids’ menu for savings.
  18. Go on Monday or Tuesday. Many restaurants offer specials on Mondays and Tuesdays because these are typically their slowest days. Avoid holidays though. They often up their prices on holidays.
  19. Make use of kids eat for free offers. Hundreds of restaurants have days of the week when kids can eat free with a paying adult. Go here to look up specific restaurants.
  20. Get freebies on your birthday. Many places have special they will email out to you on your birthday, but some are just available when you request it. Here’s a current list of what’s out there.
  21. Find report card freebies. When your kids do well in school, it’s fun to take them out for a free treat. Try these favorites.
  22. Check the restaurant’s Facebook page. Many restaurants use social media to offer specials deals and coupons that you can’t get anywhere else.
  23. Use a status discount. Tons of restaurants offer senior discounts, AAA discounts, student discounts, teacher discounts, military discounts.

Strategy

The best way to save is to combine multiple strategies into one. I’ll show you with some recent examples when I went out to eat.

Example 1:  e want to go to a local restaurant. We went to restaurants.com and found a $25 gift certificate to a local restaurant for $10. They were running a special where you would also get 2 free movie tickets with the purchase. Then I went to a coupon site and found a promo code for 50% off of the purchase. So I bought the gift cert for $5. I bought it through my Ebates portal and got 10% back. I used my cash back rewards credit card and got 3% back. So the gift certificate for $25 only cost $4.35.

Then we went to the restaurant and the deal required that we had to spend $50 to use the gift certificate. This was no problem for 4 people. Our bill came to slightly over $61.20 after tax and tip. We used our $25 gift certificate to pay for part. Then we paid the remainder with our 3% back credit card, bringing the total down to $30.27. Total spent = $30.27 + $4.35= $34.62 for $61.20 value. Total savings = $26.58 or 43.4% off (plus 2 free movie tickets).

Example 2: We wanted to eat at Applebee’s. So first we checked Raise for a discount gift card. We found a $50 gift card to Applebee’s for $43.99 or 13.2% off. We used our Ebates account to click over and buy it and got a rebate of 1%.  Then, we used our cash back rewards credit card for 3% back. Then we went to Coupons.com and got a deal for 1 free appetizer and 2 entrees at Applebee’s for $20. There were 4 of us, so we used 2 of the deals. Then we got a free dessert for an anniversary coupon that Applebee’s emailed us for being on their list.

At the restaurant, our meal cost $40 plus tax and tip for 4 people including 4 meals, 2 appetizers, and a dessert. We paid for this with our $50 gift card. Total cost $42.23 for $50 value or 15.5% off.

Wasn’t that cheap? You can do it too! Add some fun by making it a challenge to see how much you can save!

Final Word

Now that you have all kinds of strategies available to make your restaurant experience cheaper, let me just throw in a little word to the wise. When I worked as an accountant, many of my clients that struggled the most with money were the ones that ate out the most.

Going out to restaurants is always going to be more expensive than making your own food at home. So if you are living paycheck to paycheck, you might want to avoid eating out at all until you are able to change your financial situation.

For help on creating a budget and sticking to it, see this post. Also get your free copy of The Modern Mom’s EPIC Guide to Easy Budgeting .

This post may contain affiliate links, which means I may receive a small referral credit at no cost to you while still providing you the best offer I’m aware of.  Please read my disclosure page for more information.

 

Top Online Amazon Deals For Father’s Day Gifts

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Last Minute Father’s Day Gift Guide

If you are like me, the busier you get, the more chance you forgot something. I almost forgot my daughter’s birthday this past month. Luckily, she reminded me.  Well, father’s day is in just 1 week. Have you done your shopping already? Well, it’s not too late if you shop on Amazon. They can ship your items in time for Father’s Day. I went all through their site and found you some good deals that any guy would love. There are also some other great recommendations at a few other sites.

2017 LAST MINUTE FATHER’S DAY GIFT GUIDE:

Sales on Amazon

Father’s Day Gifts

Need a tool for dad? Here are some great deals on tools for the Do-It-Yourself Dad.


How about for the tech savvy dad?


 

Here are some deals for the Sporty Dad!


Macy’s is also doing last minute shipping:

Up to 40% off plus an additional 25% off with code PRIV on Tommy Hilfiger Men’s Collections

Other Amazing Father’s Day Deals!

Best Buy:

Save $70 on Sennheiser Hd558 Audiophile Over-The-Ear Headphones, Now $79.98!

Tile (Tech tool to help you find your keys or phone):

Give dad the gift of Tile and get a free gift box with multipack purchases!

Nordstrom:

Shop Father’s Day gifts, including watches, at Nordstrom. FREE Shipping. FREE Returns.

IHG – Deals for travel.

Experience luxury for less. IHG Rewards Club members save up to 20% on hotels in select cities.

Soak in the sun! Members save up to 15% on beach getaways in select cities.

Kohls

Get $10 Off Your Father’s Day Gift Purchase of $50 or More with Code DADSDAY10! 6/5-6/18!

$5 Off Your Curve, Curve Sport, or Perry Ellis Fragrance For Men Purchase of $45 or More with Code SCENT5! Excludes Gift Sets! 5/28-6/10!

Discounted Gift Cards

See this post for info on how to get discounted gift cards for Father’s Day!

Free Printable Father’s Day Cards

There is still time to download a set of FREE printable Father’s Day cards.  There are some really cute options. 

Thanks for stopping by. Be sure to come back soon for more posts like this.

If you need help setting up a budget or you want a free printable budget workbook, click here

This post may contain affiliate links, which means I may receive a small referral credit at no cost to you while still providing you the best offer I’m aware of.  Please read my disclosure page for more information.

Signup to win a FREE $125 AMAZON GIFT CARD!

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Signup to win a FREE $125 AMAZON GIFT CARD!

$125 Amazon Gift Card at MommaMoneySense.com

Hi, Friends!  My name is Julie Tronsen.  

I am so excited to announce the opening of my new blog. It is called Momma Money Sense and will provide all kinds of financial advice. I have a Master’s in Professional Accounting (MPAcc) and attended law school in Seattle.  My work history includes many years as an accountant, a chief financial officer, and a tax preparer. I also worked as a college teacher in the business school at the University of Washington, Bothell Campus.

Julie For Real

For 12 years, I ran a successful business that brought in over $600,000 per year.

Now that I have sold the business for more than I put into it, I’m excited for this chance to share what I know with you. I want to teach you how to manage your money better so you can have financial freedom!

I am so pumped to offer you a chance to win a FREE Amazon Gift Card worth $125. My goal with this contest is to get 1,000 new subscribers by the end of June. There will be a drawing on June 30th for the $125 Amazon Gift Card. The contest is being hosted by Gleam and there are 10 different ways you can enter to increase your chances of being selected randomly. Be sure to mention this contest to as many people as you can. Each time you refer someone to the contest that signs up, you get another chance to win. 

If you like freebies,  sign up below for a free printable budget. Also, check out my FREE Printables page for many more items that can help organize your life and save you money. I will be adding more freebies each month.

Plus, I will send out weekly newsletters with lots of useful money management tips, deals, coupons, and freebies! Sign up on the sidebar to get our weekly newsletter!

Posts you might be interested in:

The Number 1 Trick to Fix Money Worries

How to Build a Budget in 5 Easy Steps

101 FREE Things to do With Your Kids This Summer!

Topics to be covered in the future:

  1. Money making ideas
  2. Tips on reducing your expenses
  3. Budgeting help
  4. Ways to get out of debt quickly
  5. Online deals and coupons
  6. Meal planning on a budget
  7. Frugal Family Activities ideas and tips
  8. Tax advice
  9. Home business advice
  10. Do-It-Yourself ideas
  11. Being self-reliant
  12. Ways to build wealth

Come back soon for more money tips and don’t forget to enter above for your chance to win the $125 Amazon Gift Card!

101 Ideas for FREE Summer Fun!

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101 FREE (or Cheap) Things to Do with the Kids this Summer!

Summer is the best! It’s beautiful. The pools are open. And I don’t have to get the kids up early for school anymore. (That’s my favorite part.) But eventually, the kids get a little restless and want to do something fun. This can be tricky if you are on a budget so here is an epic list of 101 free or cheap activities you can do with your kids this summer.

101 Ideas for FREE Summer Fun!

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