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Calculating the ROI on Your $139 Luxury Ecosystem Amazon Prime has evolved far beyond a simple shipping service. For the savvy shopper, focused on maximizing money and maintaining a premium lifestyle, the membership is now best viewed as an all-inclusive financial and entertainment bundle. When strategically leveraged, the value of the exclusive perks can easily surpass the annual fee, making the subscription effectively pay for itself . We break down every Prime benefit, detail the tiered costs, and provide the essential tips and tricks needed to ensure your membership delivers a positive return on investment (ROI). 1. The Cost of Convenience: Tiers, Prices, and Pricing Hacks The standard annual cost for Amazon Prime is $139 per year . However, Amazon employs a sophisticated tiered pricing structure that offers substantial discounts to various demographics and heavily incentivizes long-term commitment. Membership Tier Annual Cost Monthly Cost Eligibility / Trial Standard Prime $139 $14.99 Available to all; 30-day free trial offered. Prime for Young Adults $69 $7.49 Students or adults aged 18-24; includes a generous 6-month free trial . Prime Access N/A (Calculates to $83.88) $3.50 for first 3 months and then $6.99 after Qualifying recipients of government assistance (e.g., SNAP or Medicaid). Standalone Prime Video N/A (Calculates to $107.88) $8.99 Video streaming only; excludes shipping and other core perks. Tips, Tricks, and Pricing Hacks Pay Annually to Save:  Choosing the annual rate of $139 saves you approximately $41 per year  compared to paying the monthly rate of $14.99 ($179.88 total). Split the Bill:  You can share your Prime benefits with another adult  in your "household" (via Amazon Family/Household), effectively cutting the cost of the membership in half. This makes two-day shipping available for less than $6 a month for each person. Maximize the Discounted Tiers:  The Prime for Young Adults  tier offers a 50% discount and a six-month free trial , providing a significant runway to test the service without commitment. Be Aware of Ad Surcharges:  To get ad-free viewing  on Prime Video, members must pay an additional $2.99 per month . This raises the total annual cost of an ad-free membership to approximately $174.88. 2. The ROI Engine: Prime's Hard-Dollar Financial Perks For many members, Prime is justified entirely by the fixed, hard-dollar savings provided by key perks that replace external subscription costs. Free Food Delivery and Groceries Permanent Free Grubhub+:  Prime includes a free Grubhub+ membership , a perk valued at $9.99 per month, or $120 annually . This grants unlimited $0 delivery fees on eligible orders over $12. Utilizing this benefit alone covers 86% of the standard annual membership fee. Whole Foods Discounts:  Prime members receive an extra 10% off  on sale items at Whole Foods Market stores and online, plus other exclusive deals. Grocery Delivery:  Members can pay $9.99 per month  for an unlimited grocery delivery subscription from Whole Foods Market, Amazon Fresh, and specialty retailers on orders over $35. Health, Wellness, and Fuel Savings RxPass Prescription Service:  Prime members have exclusive access to RxPass  for $5 per month ($60 annually) . This covers all eligible generic medications, regardless of the number of prescriptions you take. This single benefit can easily yield a positive ROI for households taking multiple monthly generic prescriptions. One Medical Discount:  Prime members can subscribe to One Medical virtual and in-person primary care  for $9 per month ($99 annually) , saving $100 off the regular $199 annual fee. Fuel Savings:  You can save $0.10 per gallon of gas  at over 7,000 participating BP, Amoco, and ampm stations. This can save the average American driver nearly $70 per year. Tip: Link your Prime account to the free earnify app to activate this discount . The Power of the Prime Visa Card The Prime Visa credit card by Chase offers an unlimited 5% cash back  on purchases made at Amazon, Amazon Fresh, Whole Foods, and Chase Travel. This cash back rate drops to 3% if you cancel Prime. The Prime Visa also earns unlimited 2% back  at restaurants, gas stations, and on local transit and commuting (including rideshare), and unlimited 1% back  on all other purchases. Welcome Bonus:  New cardholders are often offered a Amazon digital gift card  upon credit card approval. This has ranged from $60 to $150. That could make your first year membership to Prime pay for itself. Loyalty Multiplier:   The Prime Visa offers a higher top rewards rate  and exclusive deals at Amazon, making it a compelling choice for Prime members who shop frequently on the platform . Bonus Offers:  Prime cardmembers gain exclusive access  to limited-time Prime Card Bonus offers , which can earn them 10% back or more  on a rotating selection of products and categories at Amazon. 3. The Luxury of Time: Shipping, Logistics, and Convenience Perks The core justification for Prime is still logistics, with the average U.S. Prime member saving over $500 on delivery costs  per year—nearly four times the annual fee. Elite Delivery Speed and Expansion Fast, Free Delivery:  Prime offers unlimited free One-Day and Two-Day shipping  on tens of millions of items. Same-Day Delivery:  Available in over 140 U.S. metro areas, Same-Day delivery is free for Prime members on orders over $25  (a small $2.99 fee applies otherwise). Non-Prime customers pay a $12.99 fee. Rural Expansion (New Luxury):  Amazon is investing over $4 billion  to triple its delivery network by 2026, specifically to bring Same-Day and Next-Day delivery speeds to over 4,000 smaller towns and rural communities . This ensures quick access to everyday essentials like paper towels, diapers, and groceries, eliminating long trips to brick-and-mortar stores. Convenience Hacks and Return Policy Earn Credit with Patience (No-Rush Shipping):  If you don't need an item quickly, select "No-Rush" shipping  (which can take up to six days) and Amazon will reward you with promotional credits, often for digital services like eBooks or movies. Consolidate Deliveries (Amazon Day):  You can choose a specific Amazon Day  each week to have all your purchases arrive together, which reduces waste and helps prevent package theft. Free and Easy Returns:  Prime members enjoy free returns. Tip: You can drop off Amazon returns at Kohl's (and sometimes Whole Foods or UPS) without needing a box or label . In-Garage Delivery:  Prime members using an eligible smart garage device can opt for Amazon Key  for secure in-garage delivery. 4. The Digital Wealth: Entertainment and Media Perks Prime bundles extensive digital content, offering replacements for many other streaming and storage subscriptions. Digital Perk Benefit Included with Prime Cost/Upgrade If Desired Prime Video Unlimited streaming of movies, TV shows, and Amazon Originals. Includes exclusive live sports like NFL Thursday Night Football . $2.99/month  extra for ad-free viewing. Amazon Music Prime Access to 100 million songs and podcasts , but restricted to shuffle-only playback . Upgrade to Amazon Music Unlimited  ($9.99/month for Prime members) for on-demand playback and HD/Ultra HD quality. Amazon Photos Unlimited full-resolution photo storage  + 5 GB video storage. Non-Prime customers only receive 5 GB total storage. Prime Reading Free, instant access to a limited, rotating selection  of thousands of eBooks, audiobooks, and magazines. 1 free pre-release ebook every month from editors' picks. Separate Kindle Unlimited  subscription required for millions of titles. Amazon First Reads Prime members get to download one free Kindle book  (editor's selections) one month before publication. Prime Gaming & Luna A rotating selection of free PC games each month. Audible Narrated Books Enjoy Prime Reading books with Audible Narration on iOS and Android phones and tablets, Fire tablets and Alexa devices through the free Kindle app and Audible's free listening app. 5. Still Not Sure About the Value of Prime? A sophisticated consumer must consider the drawbacks and alternatives before committing to the $139 annual fee. "I prefer to shop in person." While Amazon’s core strength is online retail, the membership is adapting to in-person preferences. In-Store Discounts:  Prime directly provides savings at Whole Foods Market  and Amazon Fresh  physical locations. Time vs. Money:  For semi-rural customers, fast online delivery is often far more valuable than the annual fee, as it saves time and the operating cost of driving 30-40 minutes one-way to traditional big-box stores. As one user noted, you save an hour of time minimum with any online order, which can be subtracted from the annual fee. "I like to comparison shop or avoid impulse buys." The Impulse Trap:  Having free, fast shipping available 24/7 can lead to increased purchasing of items you might not otherwise have bought. Financial experts warn that the biggest cost saving of canceling Prime might not be the fee itself, but the thousands of dollars of purchases you wouldn't have made  if shipping wasn't fast and free. Comparison Tip ( Buy with Prime ):  If you still want to buy direct from specialty retailers, look for the "Buy with Prime" badge  on non-Amazon brand websites (e.g., Bare Minerals, Wyze). This allows you to use your Prime shipping and return benefits directly on the brand’s site, letting you comparison shop and stack new customer discount codes with Prime perks. "What if I'm not satisfied with a purchase?" Easy Returns are Standard:  Returns are generally free and easy. You can use UPS, Whole Foods, or the no-box Kohl's Dropoff . Promotional Credit Crucial Tip:  If you purchase an item using Amazon promotional credit (like those earned from No-Rush Shipping or rebates), you typically will not receive the promotional credit back  if you return the item. It is recommended to use promo credits on household staples  you know you will keep, rather than clothing or electronics you might return. Final Verdict: Is Amazon Prime a Worthwhile Investment? Prime is a high-value subscription that is definitively worth the cost if you actively utilize its fixed-value perks. For the heavy shopper, the quantified savings of $500+ annually on delivery costs  creates an immediate ROI. For the strategic consumer, the combination of Free Grubhub+  ($120 value) and RxPass  (saving $60+ annually) makes the membership self-financing before factoring in shipping or entertainment. Value Category Prime Member Key Benefit Financial Tip/Hack Financial/Health Free Grubhub+  (Value: $120/year). RxPass  for $5/month. Use these two benefits to make the membership self-financing. Shipping & Speed Free Same-Day/One-Day Delivery. Average saving: $500+ per year . Choose "No-Rush" shipping  to earn digital promotional credits. Cash Back Unlimited 5% cash back  on Amazon purchases with Prime Visa. Use the card for nearly all Amazon spending to maximize the financial reward. Digital Utility Unlimited full-resolution photo storage . Use Amazon Photos to replace costly external cloud storage subscriptions. Amazon Prime functions as an all-weather financial portfolio: it secures predictable, hard-dollar savings in areas like food delivery and prescriptions, while also providing invaluable logistical insurance against the time and cost of running errands and making urgent purchases. If you use more than two of its major fixed-value perks, the subscription transitions from an expense to a shrewd investment that maximizes both your money and your time. Be sure to bookmark this page for easy access to each of these Amazon Prime benefits. Remember to follow our Facebook Page and Linktr.ee for more saving tips and deals on products!

We all know that cooking at home is one of the biggest ways to keep our budgets beautiful, but who wants to run their oven for an hour just to make some crispy fries? Not me! If you’ve been waiting for the perfect moment to snag a life-changing kitchen gadget, your moment is now. The Ninja 6-in-1 DualZone Air Fryer  is currently being featured at a massive discount (we're talking up to 50% off its original price, making it a true bargain!). But this appliance doesn't just save you money on the purchase—it saves you money every single time you use it . Here’s why this dual-basket wonder is a must-have for the smart, savvy, and budget-conscious cook: 1. Slash Your Energy Bills by Up to 65% This is the real game-changer for your wallet. Research shows air fryers are significantly more energy-efficient than your full-sized oven. Some Ninja models are reported to save up to 65% on energy bills  and cook up to 75% faster  than a traditional fan oven. In plain English? You can stop pre-heating that giant, power-hungry oven for small meals. Using the Ninja Air Fryer for weeknight dinners means less power consumption and faster cook times, which translates directly to lower monthly utility bills. It's a money-saver that pays for itself! 2. Six Appliances in One = Serious Countertop Savings A truly cheaptastic product is one that can replace three or four others. The Ninja DualZone is a 6-in-1 machine that handles: Air Fry Air Broil Roast Bake Reheat Dehydrate Instead of buying a separate dehydrator, toaster, and roaster, this single unit does it all. It declutters your kitchen and  eliminates the need to purchase multiple expensive appliances. 3. Master the Art of the "Cook-At-Home" Meal One rule of Cheaptastic Living is: Don't eat out!  The DualZone technology is the secret sauce for making fast, home-cooked meals easier than ever. DualZone Technology:  It has two independent 5-quart baskets (10 quarts total capacity), allowing you to cook two different foods at the same time, at two different temperatures. Smart Finish:  This feature is gold! It syncs the cook times so that your chicken and your side of roasted vegetables finish at the exact same moment . No more waiting for the main course while your fries get cold. Match Cook:  If you're batch cooking or feeding a crowd, the Match Cook feature easily copies the settings across both zones, doubling your capacity. By making it simple and fast to cook a full meal at home, this air fryer drastically reduces the temptation to grab expensive takeout or delivery. It makes meal prepping for the week a breeze and ensures leftovers (your best friend for saving money!) are perfectly reheated using the 'Reheat' function. The Bottom Line: Get It While the Price is Hot The Ninja 6-in-1 DualZone Air Fryer is currently available at a price that screams "Cheaptastic Deal," often discounted by 30% to 50% on Amazon. If you want to save money on energy, streamline your kitchen, and make home-cooked meals happen faster, this is the appliance you need. [ Click here to check for the current sale price on Amazon! ] Happy cooking and happy saving, Chicks!

Do you feel prepared to choose the best insurance option? For retired teachers like me, the financial pressure of healthcare costs is real. My premiums are set to increase by another 5% in 2026, following a 5.9% hike in 2025. This isn't just a personal issue; it's a nationwide trend. A recent survey by Mercer confirms this, showing that employers are bracing for a 6.5% increase in health benefit costs for 2026—the highest increase in 15 years. But navigating this complex landscape doesn't have to be overwhelming. Whether you're a young professional choosing a plan for the first time, a parent looking to cover your family, or an individual exploring all your options, this guide is for you. We'll break down a confusing process into simple, manageable steps, giving you the knowledge and tools you need to make the best choice. The ABCs of Insurance: Key Terms to Know Before you start comparing plans, it’s essential to understand the language of health insurance. Think of this as your personal cheat sheet to decode the jargon. Coverage:  Payments your insurer makes for all or part of your medical expenses. Premium:  The fixed monthly fee you pay to your insurance company to keep your coverage active. Deductible:  The amount you pay out-of-pocket before your insurance starts covering costs. Copay:  A fixed amount you pay for specific services, like doctor visits or prescriptions. Coinsurance:  The percentage of the cost you pay for a service after meeting your deductible. Out-of-Pocket Costs:  The total amount you pay for healthcare, including deductibles, copays, and coinsurance. Network:  A group of healthcare providers who have agreed to lower rates with your insurance plan. Caps and Exclusions:  Limits on what a plan will cover for certain conditions or treatments. Financial Assistance:  Government help to make insurance more affordable if you qualify. Public vs. Private: Understanding Your Options In the United States, we have two main types of health insurance plans: public and private. Knowing the difference is the first step toward figuring out what's available to you. Public Health Insurance This type of insurance is funded by the government and is available to those who meet specific eligibility requirements. It typically comes with lower out-of-pocket costs for the consumer. Examples include: Medicare:  For people aged 65 and older, or those with certain disabilities. Medicaid:  For low-income individuals and families. CHIP:  For children whose families don’t qualify for Medicaid but can’t afford private insurance. TRICARE:  For military service members and their families. VA:  For veterans and their families. Private Health Insurance Offered by insurance companies, private health insurance provides a wider range of choices and may cover more services, but often comes with higher monthly payments and out-of-pocket costs. You can get private insurance in a few ways: Through your employer:  Many companies offer health insurance as a benefit to their employees. Buying it directly:  You can purchase individual health insurance from an agent, broker, or online. Through your state’s Marketplace:  This is a government-run website (like Healthcare.gov ) where you can compare and purchase private plans. Your Game Plan: A Methodical Approach to Research Choosing the right plan can feel like a daunting task, but breaking it down into simple steps can help you feel in control. Get Organized.  Before you start researching, gather all the essential information you will need for the application process. This includes your Social Security number, income, employment status, health conditions, medical provider names and current medications. Educate and Ask.  Not all plans are the same. Take the time to understand your choices. Don’t hesitate to talk to an expert like a counselor, HR representative, or insurance broker. They can help you compare plans, costs, and benefits. Balance Your Costs.  A good rule of thumb is that if a health plan has a higher premium, it will likely have lower out-of-pocket costs when you need care. Conversely, if a plan has a low premium, you will likely pay more out-of-pocket. The key is to find the right balance for your budget and expected healthcare needs. Use Your Benefits.  Once you have a plan, be sure to take advantage of it. Make use of preventive services like annual physicals and screenings to stay healthy. Early diagnosis can lead to better outcomes and lower costs in the long run. A Word of Caution on Short-Term Plans:  These plans often offer minimal coverage, often not covering essential health needs or pre-existing conditions and come with high costs when you need care. For comprehensive coverage, it's best to avoid them unless you have a specific short-term need. The Ultimate Tool: Your Plan Comparison Spreadsheet To make a truly informed decision, you need a way to compare plans side-by-side. We’ve created a simple, downloadable spreadsheet template that you can use to answer the most important questions about each plan you’re considering. By clicking this link , you will create your own copy of the spreadsheet inside your Google account. For non-Google users, simply copy and paste the table below into a new spreadsheet and fill it out for each plan. Plan 1 Plan 2 Plan 3 Plan Name Premiums Individual Family Deductibles Individual Family Out-of-Pocket Maximums Individual Family Network Are each of my doctors in-network? Is my current pharmacy in-network Copays and CoInsurance Primary Care Visit Specialist Visit Telehealth Inpatient Hospital Stay Outpatient Procedures Ambulance Trip Bloodwork / Labs Durable Medical Equipment ER Visit MRI / CT Advanced Imaging Urgent Care Prescriptions Are each of my prescriptions covered in the formulary? 1 Month Generic Rx Name Brand Rx 90 Day Supply RX Plan Exclusions Total Estimated Annual Cost Where to Get Help: Essential Resources If you have questions or need personalized guidance, there are many resources available to help you. HealthCare.gov :  The official site for the Health Insurance Marketplace. Medicaid.gov :  The official site for information on Medicaid eligibility and state offices. SHIP (State Health Insurance Assistance Programs):  Provides free, unbiased help with Medicare. Employer HR Representative:  Your company’s HR department is an excellent resource for understanding employer-sponsored plans. Conclusion: Take Control of Your Health and Finances Choosing the right health insurance plan is one of the most important financial decisions you can make. By taking the time to understand the key terms, exploring your options, and using a systematic approach, you can find a plan that not only meets your health needs but also protects your financial well-being. Don’t wait—take control of your health and finances today.

In a world where dining out often feels like a luxury rather than a simple pleasure, imagine a scenario where you could enjoy your favorite meals at incredible discounts, sometimes even getting paid to eat! Sound too good to be true? It's not. The secret lies in a powerful strategy called "stacking" savings , and today, we're going to pull back the curtain on how you can master it using a few simple, yet incredibly effective, tools. Forget clipping coupons one by one or hoping for a rare promotional offer. We're talking about a systematic approach that combines the power of discounted gift cards, robust cash back programs, dynamic coupon codes, and savvy credit card rewards. By the end of this guide, you'll have a treasure map to significant savings, turning your dining experiences from budget drainers into delightful victories. The Golden Rule: Never Pay Full Price Again! The core of our strategy is layering. Think of it like a delicious multi-layered cake, where each layer adds another dimension of flavor – or in our case, another layer of savings. Most people use one method to save money, maybe a coupon or a single credit card perk. But the real magic happens when you intelligently combine multiple avenues for discounts and rewards. This isn't just about saving a few dollars; it's about transforming your spending habits to unlock unprecedented value. We're going to focus on three essential platforms that, when used in conjunction with a smart credit card, create a formidable savings powerhouse: CardCash , Rakuten , and Retailmenot . Each offers unique benefits, but their true potential is unleashed when they work together. Layer 1: The Foundation of Savings – Discounted Gift Cards with CardCash Our first stop on this savings journey is CardCash . Have you ever thought about buying a gift card for less than its face value? CardCash makes this possible by offering a marketplace for discounted gift cards. These aren't expired or fake cards; they're legitimate gift cards sold at a lower price than their actual worth, giving you instant savings before you even step foot in a restaurant. Imagine walking into your favorite eatery with a gift card that cost you, say, 20% less than its value. That’s an immediate 20% discount on your entire meal, including tax and tip! Let's take a look at a realistic example: At the time of this post, you could purchase eGift cards for Macaroni Grill at a staggering 41.8% off  on CardCash. This isn't just a minor reduction; it's a massive upfront saving that forms the bedrock of our strategy. [Deals on CardCash vary based on availability.] How to start with CardCash: To get started with CardCash and lock in these initial savings, you'll want to [Sign up for a free CardCash account using my link to earn $5 off your first order !]   Once you're signed up, you can add the CardCash app to your mobile phone and log into your new account. This will be your primary hub for purchasing discounted gift cards that fuel your savings stack. Layer 2: Amplifying Your Savings – Cash Back with Rakuten Now that you've got your CardCash account, it's time to layer on even more savings with Rakuten . Rakuten is renowned for offering cash back on online purchases, in-store shopping, and for our purposes, even dining at participating restaurants. Rakuten plays a dual role in our stacking strategy: Cash Back on Gift Card Purchases:  When you buy your discounted gift card from CardCash, you can go through Rakuten first to earn additional cash back on that purchase. For instance, you could receive as little as 1% cash back  for CardCash purchases made through Rakuten. While 1% might seem small, remember, every percentage point adds up in our stacking strategy. This small step on a $30 gift card purchase, for example, would yield an extra $0.33 back. Cash Back on Restaurant Dining:  This is where Rakuten truly shines for foodies. By simply linking your credit card to your Rakuten account , you can automatically earn 5% cash back  at thousands of participating restaurants. The best part? There’s no need to upload receipts or activate individual offers. You just link your card, use it when you dine at eligible restaurants, and watch the cash back accumulate. This applies to the entire bill, including tax, tip, and drinks. Receive an Exclusive Rakuten Sign-Up Bonus with my link ! For new users, Rakuten often offers a generous sign-up bonus. If you spend $30 within the first 90 days by going through Rakuten links to shop, you will receive $30 in your account  on top of your shopping savings. This means your first CardCash purchase could potentially fulfill this requirement, instantly boosting your total savings! To integrate Rakuten into your strategy, first, [Create a Rakuten account using my link here. ] Download the Rakuten app, sign in, and most importantly, add your credit card(s) to the app  to unlock that extra 5% savings on restaurant dining. Layer 3: Uncovering Hidden Discounts – Coupon Codes with Retailmenot Our third layer involves Retailmenot , a go-to source for coupon codes and additional cash back offers. Retailmenot can provide savings at two critical points in our strategy: Discounts on Gift Card Purchases:  Before you finalize your CardCash purchase (after going through Rakuten!), check Retailmenot for coupon codes applicable to CardCash. We were able to use a 6% off coupon code  that was available for CardCash purchases, saving an additional $2.10 on a $34.92 purchase of Macaroni Grill gift cards that had a $60 value. This is a direct reduction on the already discounted gift card! Restaurant-Specific Coupon Codes:  This is the powerful second part of Retailmenot's contribution. Even after securing your discounted gift cards, you can check the Retailmenot app when you're at the restaurant for additional, in-the-moment discounts. For example, we discovered a 25% off coupon code for Macaroni Grill  through the Retailmenot app. Imagine combining a deeply discounted gift card with an additional 25% off your final bill! This is where the savings really compound. To ensure you're ready for this layer of savings, create a Retailmenot account and grab the app. Having the app on your phone will allow you to quickly check for coupon codes right before you pay, ensuring you never miss a potential saving. Layer 4: Maximizing Rewards – Your Savvy Credit Card (Enter: Capital One Savor) The final, crucial layer in our savings stack is your credit card. While many credit cards offer rewards, some are specifically designed to maximize earnings on dining and entertainment. The Capital One Savor Cash Rewards Credit Card  stands out as an exceptional choice for this strategy, particularly because of its robust reward structure and $0 annual fee . The Capital One Savor card is truly a "foodie-focused" card, offering unlimited 3% cash back  at restaurants and grocery stores, as well as on entertainment and popular streaming services. This means that even after applying your gift card and any in-restaurant coupons, the remaining balance that you charge to your Capital One Savor card will earn you another 3% back. This is what we call "double-dipping" – earning rewards from your dining program (like Rakuten Dining) and  from your credit card. Why the Capital One Savor Card is a Game-Changer: No Annual Fee:  Unlike many other cards that offer bonus rewards for dining, the Capital One Savor card has a $0 annual fee . This means you don't have to worry about spending a certain amount just to break even on an annual fee. It offers "more breathing room" compared to travel cards with steep annual fees. Generous Cash Back on Dining:  Its unlimited 3% cash back on dining  is competitive, especially for a no-annual-fee card. This rate applies broadly to "restaurants, cafes, bars, lounges, fast-food chains and bakeries". Beyond Dining:  It also offers unlimited 3% cash back at grocery stores (excluding superstores like Walmart and Target), entertainment, and popular streaming services. This versatility makes it a strong contender for everyday spending, whether you're dining out or eating in. Bonus Categories for Travelers:  For those who also enjoy travel, the card offers even higher rewards: 8% cash back on Capital One Entertainment purchases  and unlimited 5% cash back on hotels and rental cars booked through Capital One Travel . Solid Welcome Offers:  New cardholders can earn a one-time $200 cash bonus  once they spend $500 on purchases within the first 3 months from account opening. It also includes a 0% intro APR for 15 months on purchases and balance transfers  (with a balance transfer fee). No Foreign Transaction Fees:  Ideal for international travel, as you won't incur extra charges when using the card abroad. Flexible Rewards:  Cash back doesn't expire for the life of the account, and there's no limit to how much you can earn. There's also no minimum redemption requirement. Combine Rewards with Other Capital One Cards:  If you also hold a Capital One Venture card (like the Venture X Rewards Card), you can transfer the cash back earned on your Savor card to your Venture card at a rate of 1 Capital One mile for each 1 cent transferred. This can increase the value of your rewards, as Capital One miles can be worth an average of 1.2 cents when transferred to airline and hotel partners, according to NerdWallet's valuations. This feature makes the card "even more valuable" for those who travel. Broad "Entertainment" Definition:  The card's definition of "entertainment" is quite broad, covering purchases at movie theaters, sports promoters, theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls, and bowling alleys. This excludes golf courses, collegiate sporting events, and non-industry entertainment merchant codes like cable, digital streaming, and membership services (though select streaming services are included in a separate 3% bonus category). Comparison to Other Cards (Context for Value): While other cards might offer higher rates in specific  categories (e.g., U.S. Bank Altitude Go Visa Signature Card for 4x back on dining only, or Blue Cash Preferred from American Express for 6% back on U.S. supermarkets for a fee), the Capital One Savor card's ability to offer a rich rate on both  eating out and eating in, for no annual fee, sets it apart. It's "hard to find a better cash-back card for no annual fee" for frequent restaurant diners or grocery shoppers. For example, the Blue Cash Preferred from American Express does offer 6% cash back at U.S. supermarkets (up to $6,000 annually) and 6% on select streaming services, but it carries a $0 intro annual fee for the first year, then $95. Even with this fee, it can be a better deal for those who spend significantly more on groceries and streaming. The Costco Anywhere Visa Card by Citi also offers 3% cash back at restaurants worldwide with a $0 annual fee (requires a Costco membership fee), and 2% back at Costco, making it a better choice if Costco is your primary shopping destination. Ultimately, the Capital One Savor card is an "excellent choice" for foodies who want a powerful no-annual-fee card that covers both dining and groceries broadly, and it works exceptionally well as a component in our stacking strategy. Make Money Grow! The Ultimate Savings Playbook: A Step-by-Step Example Let's put all these pieces together with a real-world example to show you the power of this stacking method. Imagine a family dinner at Macaroni Grill, with a pre-discounted bill of $60. Here’s how you could turn that expense into a remarkable saving, potentially even getting paid to eat: Start with Rakuten for Your CardCash Purchase: First, ensure you have a Rakuten account  (remember that $30 bonus for new users if you spend $30 in the first 90 days!) and that your credit card is linked. Navigate to CardCash through the Rakuten app or website . This ensures you earn that initial Rakuten cash back on your gift card purchase. [ 1% cash back  on CardCash purchases.] Affiliate Link Reminder:   [Sign up for Rakuten here to get started with your cash back journey!] Purchase Discounted Gift Cards on CardCash: On CardCash, find Macaroni Grill eGift cards priced at 41.8% off . To cover a $60 dinner, you might add three $20 eGift cards to your cart. The face value is $60, but the initial cost before further discounts is $34.92. This already gives you $25.08 in immediate savings  ($60 - $34.92). Affiliate Link Reminder:   [Find amazing gift card deals on CardCash here !] Apply Retailmenot Coupon to Your CardCash Purchase: Before checking out on CardCash, open your Retailmenot app  and search for CardCash coupons. Example 6% off coupon code for CardCash purchases . Applying this to your $34.92 purchase saves you an additional $2.10. Your new total cost for the $60 in gift cards is now just $32.82 ($34.92 - $2.10). Your gift card savings just increased to $27.18  ($60 - $32.82). Dine Out and Apply More Retailmenot Savings: At Macaroni Grill, as you prepare to pay, check your Retailmenot app for current Macaroni Grill coupon codes . Use a 25% off coupon code for Macaroni Grill . If your initial bill was $60, this coupon could save you an additional $15 . You'll apply this coupon first, reducing your out-of-pocket spend, which you then cover with your discounted gift cards. Earn Rakuten Dining Cash Back: Since your credit card is linked to your Rakuten account, you automatically earn 5% cash back  on the bill charged to that card at participating restaurants. Assuming the $60 bill was fully covered by your gift cards, and the 25% coupon reduced the bill to $45 ($60 * 0.75), if the original  $60 was the basis for Rakuten Dining, you'd get 5% on that, or $3.00. Earn Credit Card Rewards (Capital One Savor): Finally, use your Capital One Savor Cash Rewards Credit Card for 3% cash back  for any remaining balance or if you link it to Rakuten Dining for the 5% cashback. Assuming the $60 bill was reduced by the 25% coupon to $45, if you pay the remaining  balance with your Savor card, you get 3% back on that amount. 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There's something truly magical about a dollhouse. It's a miniature world where imaginations can soar, stories unfold, and dreams take shape. But what happens when that dream dollhouse is a little... too pink and lavender, and not quite the realistic haven you envision for your grandkids? That was the delightful challenge I recently embraced! I stumbled upon a Melissa & Doug Multi-Level Wooden Dollhouse at a thrift store – a fantastic find, sturdy and full of potential, but definitely leaning into the whimsical. It had two rooms on the first floor, two on the second, and a spacious attic, with an exterior bathed in cheerful shades of pink and lavender. My goal? To transform this vibrant toy into a sophisticated, realistic miniature home that would inspire hours of detailed play. And let me tell you, the journey was as rewarding as the destination! This isn't just a project for seasoned DIYers; it's a perfect undertaking for anyone who loves a good upcycle and wants to create something truly special. So, grab your sandpaper, pick out your paint swatches, and let's dive into how you can give a thrift store dollhouse a new lease on life, turning it from a bright fantasy into a realistic dream home. The Quest for the Perfect Wooden Dollhouse My journey to finding the  dollhouse was far from instantaneous. For months, I scoured online marketplaces, combed through thrift stores, and even stopped at a few yard sales. My ideal dollhouse wasn't just any dollhouse; I had a very specific vision. I wanted wood, not plastic . Why? Because wood offers a level of realism and durability that plastic often can't match. I wanted something long-lasting, something that could withstand the enthusiastic play of a preschooler and a toddler without worry of choking hazards or easy breakage. In today's toy market, finding a wooden dollhouse that fit my criteria was surprisingly difficult. Most of the plastic ones I encountered were either gargantuan, designed for Barbies , or incredibly tiny, suited for characters like Li'l Woodzeez  or Honey Bee Acres . I was looking for that perfect "just right" size. My research led me down many rabbit holes. I admired the seemingly basic, yet charming, Hape All Seasons  dollhouse. The Le Toy Van  dollhouses were lovely, and the Hearth and Hand  houses at Target always caught my eye. The problem? The ones I truly liked were either perpetually out of stock or, more often, wildly out of budget. It was a frustrating realization: in an age dominated by video games and tablets, the market for open-ended, tactile toys like dollhouses seems to be shrinking. And to add to the challenge, we don't even have a single toy store in our town, or even in the large cities near us! It was another sad reflection on our "throw-away era." Why fix a broken toy or perfect an existing one when you can just toss it and buy new? No wonder our children sometimes struggle with problem-solving, cooperation, imagination, and critical thinking. (Oh, I could write an entire book on that tangent, but that's a blog post for another day!) The Unlikely Rescue: A Diamond in the Thrift Store Rough My weekly scouting trips to local thrift stores became a hopeful ritual. During one such excursion, amidst piles of forgotten treasures and discarded dreams, I spotted it. Lying in a literal heap of shambles on the floor, amidst a chaotic jumble of other items, were pieces of familiar pink and lavender wood. My heart gave a little flutter – I immediately recognized them as parts of a Melissa & Doug dollhouse ! My eyes lit up, and I moved with purpose. I carefully gathered all the pieces I could find and, with a hopeful gleam in my eye, trundled my overflowing cart to a relatively quiet corner of the store. There, I began the rough assembly. I needed to see if enough structural pieces were present to even warrant a purchase. It was far from perfect. The walls and flooring pieces bore the battle scars of countless playtimes – multiple stickers, crayon marks, and general wear. Many of the accompanying furniture pieces were broken or "personalized" by a tiny tot with permanent markers and crayons. I wasn't even entirely sure how to assemble it, or if all the crucial components were there. But my DIY spirit kicked in. "Worst case scenario," I reasoned, "I can use these pieces as a base and supplement with scrap wood to build a truly custom dollhouse." For the price, it was absolutely worth the purchase. Notice the vibrant pink and lavender, and the stickers and "decor" – a true project in waiting! The Vision: Beyond Pink and Lavender, Towards Realism The restoration process was not the easiest. It was time-consuming, requiring patience and perseverance. But despite the challenges, it was profoundly enjoyable. There's truly nothing like creating something tangible with your hands and a few tools when your imagination is limitless. In fact, as I worked, I even found myself thinking about how fun it would be to create miniatures and sell them as a side hustle! My inspiration was further fueled by a very informative Facebook group  I discovered, dedicated to creating miniatures out of everyday items. That group is brimming with incredibly creative thinkers – you should definitely check it out if you're ever looking for a surge of DIY inspiration! Armed with a growing set of DIY skills and an active imagination, I had a clear vision for this dollhouse: it wouldn't be a stereotypical fairytale dollhouse. Instead, I wanted to create a realistic-looking home, a miniature reflection of a place where everyday adventures could unfold. Gathering Your Tools and Treasures (My Personal Arsenal!) Before any DIY project, a well-stocked arsenal is your best friend. For this dollhouse makeover, here’s what I assembled, along with some personal insights: For the Dollhouse Structure: The Melissa & Doug Multi-Level Wooden Dollhouse:  The star of our show! Fine-grit sandpaper   (180-220 grit):  Absolutely essential for a smooth surface and proper paint adhesion. Painter's tape :  For those wonderfully crisp lines. Wood filler :  Handy for any minor dents or imperfections. Primer ( Kilz paint ) :  I quickly realized I couldn't just paint over the existing pink and purple with regular paint. Kilz paint was my secret weapon here. It creates a fantastic blank slate and covers strong colors beautifully. DIY Chalk Paint (made with Plaster of Paris )  Dixie Belle  Chalk paint:  This was my go-to for the exterior. It gives a lovely matte finish. I used the colors Fluff and Coffee Bean, but there are so many gorgeous colors to chose from. I have used Dixie Belle to paint over dark cherry finished furniture previously. This stuff is amazing! Paintbrushes :  Various sizes for detail work – precision is key in miniatures! Wood stain :  I used this on the sanded edge pieces of the dollhouse and for the craft stick flooring to bring out the natural wood grain. Glue gun   and glue sticks:  For adhering craft stick flooring and creating window boxes. Craft knife   or sharp scissors:  For precise cutting of craft sticks, tape, and fabric. Ruler or straight edge:  For accurate measurements and cuts. Fabric scraps or scrapbook paper:  Your secret weapon for realistic wallpaper, flooring, and tiny rugs. Small decorative elements:  Think miniature artificial plants, tiny picture frames, or even tiny beads for doorknobs. Stick-on Velcro :  For easily removable window boxes. Craft sticks, Q-tips, and old packing foam:  Repurposed for miniature window boxes and flowers! Scraps of wood and foam color tiles   (I had leftover foam math counters from my teaching days.):  The makings of a DIY fireplace! Shoe polish :  My unexpected winner for quick and realistic wood flooring! For the Dollhouse Furniture (if refurbishing): Original wooden dollhouse furniture  (or other miniatures):  Give them a new lease on life! Sandpaper:  Light sanding for paint adhesion. Primer:  Especially important if painting over existing finishes. Paint (acrylic) :  In colors that complement your new interior scheme. Small paintbrushes:  For intricate furniture details. Fabric scraps:  For miniature upholstery. Craft glue:  To attach fabric. Spray paint (with a caveat!):  I used this for some furniture pieces, but in hindsight, I probably wouldn't use it again due to the strong, lingering smell. Phase 1: Disassembly and Preparation – The Foundation for Flawless Finishes The success of any painting project lies in the prep work. Don't rush this stage – it makes all the difference! Disassemble the Dollhouse:  Thankfully, the Melissa & Doug dollhouse comes apart in relatively flat panels. This made painting so much easier! The dollhouse I found was already disassembled, so I first put it together to see what might be missing. Afterwards, I carefully took it apart, piece by piece. I found it helpful to snap a few photos as I went, just to remember how everything fit back together. Think of it as creating a "map" for reassembly. First two floors assembled Clean & Inspect:  Give every single piece a good wipe down. Use a damp cloth to remove any dust, grime, or sticky residue from years of play. This also gives you a chance to inspect for any damage. My thrift store find had multiple stickers and crayon marks, which presented a fun challenge!  Sand All Surfaces:  This is a crucial step! I started sanding with my trusty sander . This roughs up the surface to create a "tooth" for the primer and new paint to grip onto, preventing chipping and peeling. Some of the tiny spaces were impossible to sand, but I did my best on the larger, flat surfaces. Prime with Kilz or DIY Chalk Paint:  This was a game-changer. I quickly realized I could not just paint over that vibrant pink and purple. So, I applied a coat of Kilz paint. Then, to create a truly blank slate, I even tried my own DIY chalk paint made with Plaster of Paris. This combination perfectly covered the existing colors and provided an excellent base for new paint. Clean Again:  After sanding and priming, there will be fine dust everywhere. Use a dry cloth, a tack cloth, or even a vacuum cleaner with a brush attachment to remove all traces of dust. A clean surface is essential for proper paint adhesion. Phase 2: Exterior Transformation – Curb Appeal in Miniature This is where the dollhouse starts to shed its playful past and emerge as a sophisticated miniature home. The key here is contrast and classic color choices. Masking Mastery:  Precision is your friend. I used painter's tape and masking tape to carefully mask off any areas I wanted to remain unpainted or that would be a different color. This ensured crisp, clean lines, especially around window panes that would be painted black and the edge pieces I planned to stain. Paint the Exterior Walls:  I used some leftover white Dixie Belle chalk paint that I had used to redo an antique desk. This gave the exterior a lovely, matte finish. I applied multiple thin coats for a smooth, opaque look. The key to applying chalk paint is working quickly in thin layers using a spray bottle to keep the surface wet.  I left the edge pieces of the house sanded, knowing I wanted to use a wood stain on those. Paint the Roof:  For a realistic look, a dark roof is ideal. I chose to use a matted  black, which gives the impression of classic asphalt shingles. Applied thin, even coats, allowing drying time between each. You'll likely need two coats for full, opaque coverage. Another option is to create wood shingles from craft sticks, but I was not that committed to detail on the roof. Stain the Trim:  Instead of painting all the trim, I loved the idea of showing off the wood grain. So, for the sanded edge pieces of the house and other trim, I applied a rich wood stain. This created a beautiful contrast against the white walls and black roof. Paint the Doors and Windows:  I painted the exterior window frames and doors black. This creates a striking contrast with the white walls and complements the dark roof and stained trim, making the windows and doors pop! Stained Trim with Black Windows & Doors Add Window Boxes (Optional, but highly recommended!):  This was one of those small details that truly elevates the realism. I created simple window boxes from craft sticks and some old packing foam material that I had rescued from a box! The boxes were four-sided with a bottom, and each piece was hot-glued to a foam rectangle, leaving the top of the foam exposed. I painted the tips of Q-tips and inserted them along with some scrap greenery from an old floral arrangement to complete the miniature flower arrangements in the window boxes. To make them easily removable for storage or redecorating, I applied stick-on Velcro to the back of the window box and to the window sill on the dollhouse. Window boxes add a little bit of charm! Phase 3: Interior Transformation – Creating Miniature Living Spaces This is where the dollhouse truly becomes a home. The goal is to create distinct, inviting rooms, each with its own character. Remember your plan: two rooms on the first floor, two on the second, and a spacious attic. Planning Room Layouts:  Take a moment to visualize how each space will function. First Floor:  I decided on a living room and kitchen. Second Floor:  Bedrooms and a bathroom. Attic : A versatile playroom or studio.Having a plan helps you choose appropriate colors and finishes. Flooring Finesse : Innovation and Ease!I wanted something for the floors that could be easily changed and cleaned. I thought it would be fun for the grandkids to explore creating their own floor designs in the future, so I decided to give them a starting point that could easily be swapped out with another foam board of their creations. Method 1 (Craft Sticks):  For the first wood floor, I started by cutting small craft sticks into varying lengths and hot gluing them down to foam board that had been cut to fit the space. I then applied stain to the wood floor and inserted the finished floorboard into the house. Not going to lie, this was a very long process, but the effect was beautiful! Method 2 (Masking Tape & Shoe Polish - The Winner!):  For the next wood floor, I used a technique I learned in an art class when I was in elementary school! I taped random-sized cut pieces of masking tape to another foam board, creating a "pattern" of wood planks. Then, I used shoe polish to stain the "floor" in between the tape. This was the undisputed winner! It was much easier and faster than the craft stick method, and the result was surprisingly realistic. Kitchen and Bathroom (Vintage Shelf Paper):  For the kitchen and bathroom floors, I applied some vintage shelf paper to the foam board pieces. Why vintage? Because I already had scraps of it, and it desperately needed to be used! You could easily use contact paper, wallpaper, or even scrapbooking paper to create custom floors on the foam board pieces. Flooring Options are Endless! Walls : Starch & Fabric for Easy Redecoration!The walls needed something, but I did not want to permanently paint them. I remembered seeing a post somewhere for easy-to-remove wall coverings for dorm rooms and rental homes using liquid starch. This was perfect! I found some cute scraps of fabric (a lovely floral for one room, a classic stripe for the attic) and used my DIY liquid starch  to hang the "wallpaper." This method is super easy, and it means the kids can easily change up the look when they want to redecorate in the future – a truly open-ended design element! Easy to change wall decor Add Interior Doors/Trim:  I painted the interior doors black, just like the exterior ones. This created a cohesive flow throughout the house and added a touch of modern elegance. For interior trim, even thin strips of balsa wood glued along the bottom of walls can make a huge difference in defining a space. DIY Fireplace:  This was a fun addition! I created a simple fireplace using scraps of wood for the mantel and hot-glued some leftover foam color tiles (the kind teachers use!) that I had stored away from my teaching days. I then used paint and stain on the colorful foam blocks to make them look like realistic bricks. Add family photos to mantle for a personal touch! Phase 4: Furniture Refurbishment – Mini Makeovers for Miniature Pieces The original Melissa & Doug furniture is well-made, but often comes in bright, primary colors. Giving it a makeover ties the entire dollhouse together. Sand & Prime Furniture:  I lightly sanded all the furniture pieces and then primed them. Paint & Stain:  I masked out the pieces that I did not want to paint with painter's tape and masking tape, and then spray-painted the other parts. In hindsight, I would probably not use spray paint again, because the smell was so strong weeks after the furniture was finished – a definite lesson learned! For pieces like tables and chairs, I used wood stain to give them a natural, warm look. Other pieces like beds and dressers I painted in complementary colors. Upholstery:  I cut small pieces of fabric to fit the cushions of sofas and chairs, adhering them with craft glue. Phase 5: Assembly & Finishing Touches – Bringing the Dream to Life With all your beautifully transformed pieces ready, it's time for the grand reassembly and final decorative touches. Reassemble the Dollhouse:  Using the amazing DeWalt tools that the hubs had purchased, I carefully put the dollhouse back together. The sturdy construction of the Melissa & Doug pieces, combined with the new finishes, made for a satisfying reassembly. Secure Elements:  I double-checked that all attached elements like balconies and stairs were securely fastened. Decorate!  This is the moment your vision truly comes to life. I placed the newly refurbished furniture into the dollhouse rooms. I considered adding miniature artwork (I printed tiny images and glued them to small cardboard squares), and added small artificial plants and flower arrangements. Interior View Exterior view complete with a happy family Craft stick floors and miniature floral arrangements The Joy of a Realistic Dollhouse Stepping back and admiring the completed dollhouse is incredibly satisfying. What began as a bright, playful toy, a thrift store find in a pile of shambles, has been transformed into a miniature masterpiece – a realistic, detailed home ready for countless adventures. The subtle color palette, the architectural details, the creative flooring, and the carefully refurbished furniture combine to create a truly immersive play experience. This project is more than just a craft; it's an act of love and creativity. Watching your grandkids discover the intricate details, move the furniture, and invent stories within this realistic setting will be the ultimate reward. It teaches them about design, imagination, and the joy of creating something beautiful with your own hands. Plus, it’s a wonderful example of giving a second life to something discarded, a valuable lesson in our throw-away world. So, if you're looking for a rewarding DIY project that combines creativity with a touch of nostalgia, I highly recommend tackling a dollhouse transformation. You'll not only create a cherished toy but also hone your own DIY skills in the process. As an added bonus, the newly designed doll house can be resold in the future for a much higher price than some of the commercial dollhouses on the market. Happy crafting! Home Sweet Home 🏡 This post contains affiliate links to products, meaning I may earn a small commission if you make a purchase through my links, at no extra cost to you.

Easy, Temporary Wall Makeovers for Renters & Beyond Drab to Fab Ready to ditch those bland, boring walls without losing your security deposit? If you're an apartment renter, a commitment-phobe when it comes to decor, or just someone who loves a good DIY hack, then you, my friend, have stumbled upon a game-changer: using liquid starch to hang fabric on your walls ! Forget expensive, permanent wallpaper or the dreaded task of patching a gazillion nail holes. This magical method lets you transform your space with beautiful textiles, and when you're ready for a change, it peels right off with just a little warm water. Seriously, it's like magic, but without the top hat and rabbit. As your resident Cheaptastic Chick , I'm all about making your home fabulous without draining your bank account. This liquid starch fabric "wallpaper" is one of my absolute favorite tricks, and I'm here to spill all the beans – from mixing up your own budget-friendly starch to hanging your fabric like a pro. Why Liquid Starch is Your New Best Friend Let's be real, who wants to commit to a wall decor decision for years on end? Not me, and probably not you either! That's where liquid starch swoops in to save the day. The Low-Down on Liquid Starch Think of liquid starch as a temporary, fabric-friendly adhesive. When it dries, it creates a gentle bond that holds your fabric firmly in place. But here's the genius part: introduce it to warm water, and that bond dissolves, allowing your fabric to peel right off without damaging your walls or leaving sticky residue. It's truly a renter's dream come true, and a dream for anyone who likes to switch things up as often as they change their socks. The Perks of Going "Fabric Wallpaper" Temporary Transformation:  This is the big one! No more worrying about permanent choices. Change your fabric with the seasons, your mood, or whenever a new pattern catches your eye. Budget-Friendly Brilliance:  Fabric is often far more affordable than traditional wallpaper, especially if you snag some on sale or scour your local fabric store's remnants bin. Plus, if you make your own starch (which we'll get to!), you're saving even more. Damage-Free Decorating:  Say goodbye to nail holes, sticky wallpaper paste, and the fear of losing your security deposit. This method is incredibly kind to your walls. Easy Removal:  When you're ready for a fresh look, simply mist or sponge warm water onto the fabric, and it'll loosen its grip, allowing you to gently peel it away. Wipe down any remaining starch residue with a damp cloth, and your wall is back to its original glory. (Have you ever tried removing wallpaper? It is definitely not easy!!!) Unleash Your Creativity:  The options are endless! From bold prints to subtle textures, you can find fabric that perfectly matches your style and instantly elevates any room. DIY Liquid Starch: Your Wallet (and Walls) Will Thank You! While you can certainly buy pre-made liquid starch, why not whip up your own? It's ridiculously easy, uses common kitchen ingredients, and gives you complete control over what goes on your walls. Plus, it's generally more affordable and often preferred by those who want to minimize chemicals. Your Secret Recipe for Wall-Hanging Success This recipe will give you a good amount for a small to medium-sized project, and you can easily scale it up or down. Ingredients: 4 cups of water  (your standard tap water works perfectly) 1/2 to 3/4 cup of cornstarch  (the magical binding agent) Instructions for Crafting Your Own Starch: Boil the Water:  Grab a large pot (you'll want some room for stirring) and bring 4 cups of water  to a rolling boil. We're talking serious bubble action here. Prep the Cornstarch Slurry:  While your water is heating up, grab a separate bowl. Measure out your 1/2 to 3/4 cup of cornstarch . Now, here's a crucial step: add a small amount  of cool water to the cornstarch, just enough to form a smooth, thin paste or "slurry." This prevents clumps when you add it to the hot water. Think of it like making gravy – you wouldn't dump dry flour into hot liquid, right? Combine and Conquer:  Once your 4 cups of water are boiling vigorously, slowly, slowly  pour your cornstarch slurry into the boiling water. Stir constantly  as you pour. This continuous stirring is key to preventing lumps and ensuring a smooth, consistent starch. Thicken It Up:  Keep stirring over the heat. You'll notice the mixture beginning to thicken, somewhat similar to the consistency of fabric softener or thin gravy. Don't overdo it! We're not making glue here, just a temporary adhesive. If it gets too thick, it'll be harder to work with. Cool Down:  Once you've reached that perfect, slightly thick consistency, remove the pot from the heat and let it cool completely. This is important! You want it at room temperature before you start slathering it on your walls. 👉 Cheaptastic Chick Tip:  If your starch ends up a bit too thick after cooling, you can always whisk in a tiny bit more cool water until you reach your desired consistency. If it's too thin, you can gently reheat it and stir in a smidge more cornstarch slurry (pre-mixed with cool water, of course!). Getting Your Fabric Wall Ready: Prep Like a Pro! Before you dive into hanging, a little prep work goes a long way. Trust me, future you will thank present you for taking these crucial steps. What You'll Need : Lightweight, cotton fabric:  This is key! Cotton fabrics (like quilting cotton, broadcloth, or even thin sheets) work best because they're breathable and absorb the starch well. Avoid heavy upholstery fabrics or anything with a significant texture, as they won't adhere as easily. Liquid starch:  Your freshly made DIY batch, or store-bought. Tacks or painter's tape (or duct tape):  For temporarily holding the fabric. Drop cloth:  To protect your floors from any starch drips. Paint roller and roller cover:  For even starch application. Paint tray:  To hold your starch. Utility knife:  For precise trimming. Step ladder:  For reaching those high spots. Sharp scissors:  For clean fabric cuts. Measuring tape:  For accurate measurements. A buddy (optional, but highly recommended!):  An extra set of hands makes this project much easier, especially with larger pieces of fabric. Hanging Your Fabric Wallpaper: Step-by-Step Magic! Alright, it's go-time! Follow these steps for a smooth, successful, and stress-free fabric wall transformation. Step 1: Measure Twice, Buy Once (Plus a Little Extra!) Before you even think about buying fabric, measure the space  you plan to cover. Seriously, measure it twice! Most fabrics are sold by the yard and come in widths of 40-50 inches. Once you have your measurements, add at least an extra yard  to your purchase. Why? Because accidents happen, cuts go awry, and sometimes you just need a little wiggle room. Step 2: Wash, Cut, and Clean Pre-wash your fabric:  Yes, even if it gets wrinkled! This helps pre-shrink the fabric and ensures it will lay flat on your wall. Trim the selvage edge:  The selvage is that tightly woven edge on both sides of the fabric that often has tiny holes or printed information. Cut it off with sharp scissors to prevent fraying and ensure a smooth, seamless look on your wall. Protect your floors:  Lay down a drop cloth  directly under the wall you're working on. Liquid starch can get a bit messy, and nobody wants a sticky floor surprise. Clean your wall:  Give your wall a good wipe down to remove any dust, dirt, or grime. A clean, dry surface is essential for proper adhesion. Wait until it's completely dry before moving on. Step 3: The Big Placement (A Helping Hand is Gold!) This is where your buddy really shines! The goal is to get your fabric positioned exactly where you want it on the wall. Have your helper hold the fabric up against the wall while you stand back and guide them into place. For drywall:   Tacks or push pins  work great for temporarily holding the fabric at the top. For plaster walls or paneling:  Skip the tacks! Use painter's tape or duct tape  to secure the fabric. A quick tip: if you're taping directly to the cut edge, you might experience some fraying. To avoid this, fold the edge under slightly before taping over it. Leave an overlap:  Make sure to leave a slight overlap (about an inch or two) at the corners, baseboards, and the top of the wall. You'll trim this excess later for a super clean finish. Cut around outlets:  Using your utility knife, carefully cut out openings for any electrical outlets or light switches. You can do this now or once the fabric is partially adhered. Step 4: Starch the Wall (Work in Sections!) Now for the star of the show: the liquid starch! Pour your DIY liquid starch into a paint tray. Dip your paint roller into the starch, making sure it's evenly coated but not dripping excessively. Only coat the area where you will immediately be applying the fabric.  This stuff dries surprisingly fast! If it dries before you get the fabric on, just add more starch. Here are two ways to tackle this, depending on your comfort level: The "Lift and Roll" Method (My personal favorite for large pieces!):  After you've temporarily positioned your fabric with tacks/tape, have your helper lift the fabric all the way up for you. While they hold it, you can reach underneath with your roller and coat the wall with starch. You won't be able to reach right up to the taped/tacked edge, but don't worry – you'll go back and get that spot later. I prefer this because getting the fabric positioned perfectly the first time is often the hardest part, and this method keeps it in place. The "Roll and Reposition" Method:  After step 3, you can remove the fabric from the wall, coat the entire section of the wall with liquid starch, and then carefully reposition the fabric back onto the wet starch, holding it in place with your tacks/tape. This method can be a bit trickier for larger pieces to get the fabric perfectly aligned. Step 5: Smooth and Adhere Once the wall section is coated with starch, carefully smooth the fabric down over it. Start from the top of your fabric piece and work your way downwards. Use your hands, a clean roller (without starch), or a smoothing tool (like a wallpaper smoother or even a credit card) to press out any air bubbles or wrinkles as you go. Work from the center outwards to push out any trapped air. If you're at the edge of a wall, work from the corner outwards and downwards. Don't panic if it doesn't stick perfectly everywhere just yet. The next step will seal the deal! Step 6: Saturate the Fabric (The "Seal the Deal" Step!) This is the most satisfying part! Load up your paint roller with more liquid starch. Roll the liquid starch directly over the top of the fabric.  Yes, you read that right! You want to totally saturate the fabric, making sure the starch seeps through the fabric and creates a strong bond with the starch already on the wall. You'll see the fabric darken as it absorbs the starch. Continue smoothing out any bubbles or wrinkles as you go, working the starch thoroughly into the fabric. Corners and Baseboards:  Leave an overhang of fabric at your baseboards and corners. After the fabric dries, you'll trim this for a super crisp, clean line with your utility knife. For the corners, use your fingers or a stiff piece of cardboard to really press the fabric into the corner, ensuring good adhesion. Step 7: The Final Touches (Patience is a Virtue!) Let it dry completely:  This is crucial! Give your fabric plenty of time to dry, ideally overnight, or even 24 hours. The fabric will likely feel stiff once dry. Remove temporary fasteners:  Once everything is completely dry, carefully remove any tacks or tape you used to temporarily hold the fabric. Starch those hidden spots:  Go back and starch any areas where you couldn't reach before (like right under the tacks/tape at the top edge). Apply a little starch to the wall and smooth the fabric down. Trim the excess:  Using a straight edge (like a ruler or a long level) and your utility knife, carefully trim any excess fabric from the top, bottom (along the baseboard), and corners. This will give your "wallpaper" a professional, finished look. Change your utility knife blade frequently for clean cuts! My Cheaptastic Chick Pro Tips & Wisdom: Textured Walls:  This method works best on smooth walls. If your walls have a heavy texture (like popcorn ceiling texture, but on a wall), the fabric might not adhere as evenly or smoothly. You can  try it, but be prepared for some potential imperfections. Bubbles & Ripples:  Don't stress if you see a few small ripples or bubbles while the fabric is wet. As the fabric dries and tightens, many of these will magically disappear. If some persist after drying, you can try re-wetting that area with a sponge and smoothing it again. Cleaning Your Fabric Wall:  You can spot clean small marks with a damp cloth. However, if your fabric gets truly dirty, your best bet is to remove the entire piece, machine wash it (if the fabric allows), and then reapply it. Trying to thoroughly wash it while on the wall might cause it to come down! Go Up to the Ceiling or Add Trim?:  You can run your fabric all the way up to the ceiling for a dramatic effect, or for a super crisp finish without running the fabric all the way up, consider adding a piece of decorative trim along the top edge of your fabric. This creates a beautiful, custom look. Covering Up Imperfections:  One of the unsung heroes of fabric wallpaper is its ability to disguise minor wall imperfections! A little ding or a less-than-perfect paint job? Fabric can often cover it right up. Existing Wallpaper/Paneling?:  Yes, you can  apply fabric over existing wallpaper or even smooth paneling! This is fantastic if you have outdated wallpaper you can't (or don't want to) remove. Ready to Transform Your Walls? There you have it, my frugal friends! The ultimate guide to using liquid starch to create stunning, temporary fabric "wallpaper." This project is a fantastic way to inject personality into your space without the commitment or the hefty price tag. You'll be amazed at how quickly and easily you can give your home a fresh, new look. So, what are you waiting for? Grab some fabric, whip up some starch, and unleash your inner interior designer! And for more Cheaptastic Chick  DIY projects, money-saving deals, and savvy home advice, be sure to follow my Cheaptastic Chick Facebook Page ! Let's make our homes fabulous, one budget-friendly project at a time! Have you tried liquid starch fabric walls before? What are your favorite fabric patterns or colors you'd love to try? Share your thoughts in the comments below!

Dollywood is turning the big 4-0—and the party’s just getting started. Whether you're dropping by once or planning a summer full of visits, the right ticket or pass can save you a bundle (and maybe buy you an extra cinnamon bread). Mystery Mine Daily Tickets Buy 1 Day, Get 1 Free Days  For a limited time, you can enjoy two consecutive days  at Dollywood for the price of one! This makes the admission cost only $46 per day. Tickets are valid May 1 – June 8, 2025 only.  Spring Into Savings at Dollywood Until May 11, 2025, save $10 on a One-Day Adult Ticket  — that means you get in for the same price as a child. Military Discount Dollywood offers a special discount for U.S. active or retired military, veterans, and military reservists, spouses and dependents . The price for a One-Day Adult ticket is $64.40. To receive this discount, you will need to verify your service online using ID.me .  First Responders, Military, Teachers, Medical, and Government Public Employee Appreciation Days  are April 21–June 13, 2025. If you can verify your employment status through ID.me you will be eligible to purchase up to 6 one-day Dollywood admission tickets for just $49 each. Tickets are valid any one operating day until June 13, 2025. Those eligible for the regular military discount also qualify for this offer, which saves an additional $15.40.  Tennessee PerkSpot Through the PerkSpot  employee discount program, eligible Tennessee state employees can score Dollywood one-day adult tickets for just $58. It’s a great way to save on admission while taking advantage of exclusive offers tied to your workplace benefits. Season Passes Dollywood offers several pass options—Volunteer Summer, Silver, and Gold—each with its own perks and pricing. Whether you're visiting once or all season, knowing the details helps you get the most value from your Dollywood experience. Here's how to choose the best fit for your plans. Volunteer Summer Pass The Volunteer Summer Pass  is a new way for East Tennessee residents to enjoy Dollywood during summer 2025. Designed for Tennesseans, it offers unlimited visits from April 21 to September 11, 2025. The price for just Dollywood is $134. The special pass is only available to residents of specific ZIP codes in East Tennessee. Getting this pass means confirming your residence in one of those ZIPs, so verify before you purchase. Standard Silver Pass A Silver Pass  costs around $174, but it includes some extra benefits. It offers two ‘Bring a Friend’ tickets  at a discounted rate of $40 each, good on most days. There are some blackout dates during peak times—mostly Fridays and Saturdays—for the Bring a Friend tickets. Silver Pass holders also get up to 10% off on lodging.  Standard Gold Pass For a bit more money, the Gold Pass  offers even more perks at $249. It includes free general parking—a $25/day value ! Gold Pass holders save an additional 15% on resort lodging and select dining and shopping purchases. It also includes $20 off VIP tours and $5 off TimeSaver passes. All these extras make the Gold Pass ideal for frequent visitors and Dollywood fans. Two-Park Silver and Gold Passes The two-park options add Splash Country into the mix. These passes let you visit Dollywood and Splash Country during the season, which starts on May 10. Splash Country is a great way to cool off during hot summer days, especially for families. For an additional $55 you can add on Splash Country to either the Silver or Gold Pass.  If you visit often and care about parking and perks, Gold makes sense. If you only want summer access and are eligible, the Volunteer Summer Pass can be a budget-friendly choice. Additional Important Details The famous Diamond Pass is currently not being sold for 2025. If you need a free Pre-K pass for children born in 2020 or 2021, you can apply online. Perfect for families with preschoolers looking to save. The park is also celebrating its 40th anniversary, with new shows, fireworks, and special events coming in 2025. It’s a good time to visit and enjoy fresh entertainment. Planning ahead can help you make the most of these exciting additions. Look for more tips in the post titled Ultimate 2025 Dollywood Visit Guide   Parking Parking adds up fast—unless you like spending $25 just to rest your tires. If you're looking to cut down on expenses, the Pigeon Forge Trolley  is a smart alternative. With stops all over the city and continuous service to and from Dollywood via Patriot Park, it's an affordable and convenient option. Individual fares to the park are $2.50 each way, or you can grab an All Day Pass for just $3 per person, allowing unlimited rides. Depending on your group size, that could save you up to $20 in parking fees. That’s money better spent on a souvenir—or a warm cinnamon bread from the Grist Mill. Final Thoughts No matter where you're coming from or how often you plan to visit, there's a Dollywood ticket or pass that’ll fit your vibe—and your budget. With all the new shows, fireworks, and 40th anniversary fun on deck, 2025 is shaping up to be a big year in the Smokies. So plan smart, pack your sense of adventure, and save where it counts. Your next great Dollywood day? It's closer (and cheaper) than you think.

Dollywood Flower & Food Festival Tucked into the hills of Pigeon Forge, Dollywood isn’t just a theme park—it’s a whole vibe. It’s sweet tea, steel coasters, mountain music, and Southern hospitality all rolled into one magical place. Co-owned by the one-and-only Dolly Parton (who once said, "If you want the rainbow, you gotta put up with the rain" )—this park is bursting with heart, fun, and yes, cinnamon bread that could change your life. With nearly 3 million visitors strolling through the gates each year, Dollywood has earned its crown as Tennessee’s top attraction. It’s more than just rides—it’s also home to toe-tapping shows, handmade crafts, a water park, two resorts, and Dolly’s Stampede dinner show. Basically, it’s a vacation triple scoop with sprinkles on top. If you're mapping out your 2025 visit and want to dodge the biggest crowds or catch the can’t-miss festivals, you’re in the right place. Let’s break it down, month by month. 🗓 Dollywood’s 2025 Operating Calendar Overview Let’s start with the basics: Dollywood takes a nap in January and February (except a few days early January). That means the theme park is closed—but it’s a great time to snag resort deals at DreamMore or HeartSong. Indoor pools + winter rates = cozy mountain stay on a budget. March – Music, Motors & Maybe Dolly The gates swing open March 14 (for pass holders) and March 15 (for everyone else). If you’ve got dreams of spotting Dolly herself, this is your best shot—she’s been known to pop in on opening weekend and even lead a parade if the weather’s nice. April – Spring Breakers & Bloom Bonanza The early-April crowd is real thanks to spring break and the Spring Rod Run car show. But things calm down mid-month, just in time for the Flower & Food Festival  to shine. Think giant floral sculptures and snacks that taste like spring. May – Water, Wheels & Midweek Wins May is blooming with color and cooler crowds—especially on Wednesdays (since the park closes some Tuesdays and Thursdays). Splash Country opens May 10 & 11, and fully kicks off May 17. Water may be chilly early on, but hey, that’s what bravery looks like. Heads up: The Ford F100 Supernationals roll in mid-month (May 15–17), bringing more visitors and vintage trucks. June – Fireworks, Food & Peak Season Fun School’s out, crowds are in. The Flower & Food Festival wraps June 8, but the real show starts June 14 when Smoky Mountain Summer Celebration lights up the night with fireworks and a dazzling drone show. Dolly fans, you won’t want to miss this—it’s bigger than ever for the 40th anniversary. July – Red, White & Really Busy July is hot, loud, and fully booked—especially around the 4th. You’ll still have a blast, but if you want to ride all the coasters, a TimeSaver pass is your best friend. Weekdays and Sundays are your best bet to beat the rush. August – Back to School (Bless It) Summer Celebration ends August 3, and by the 8th, local kids are back in class. That means lighter crowds and cooler temps. Just skip August 21–23 unless you love Jeeps and heavy traffic—the Smoky Mountain Jeep Invasion takes over town. September – Pumpkins, Peace & Peak Value The Harvest Festival  kicks off September 12, and it's packed with glowing pumpkins and fall charm—not spooky, just sweet. Car show traffic returns Sept 11–13, so steer clear of that weekend. Otherwise? September = chill. October – Leaves, Lattes & Lots of People October is pure mountain magic, with fiery fall colors and the Harvest Festival still going strong. Just expect Saturdays (especially Oct 11, 18, and 25) to feel packed. The festival ends Oct 27, and then the park takes a short break before the Christmas magic rolls in. November – Lights, Songs & Cozy Vibes November 1 marks the kickoff of Smoky Mountain Christmas , and it’s everything: lights, live shows, festive snacks, and serious holiday spirit. Go midweek if you can—things get busier after the 21st. Thanksgiving week? Pretty, but packed. December – Holiday Cheer & End-of-Year Crowds This is Dollywood at its most magical. Twinkling lights, Christmas music, and enough holiday cheer to warm even the Grinchiest heart. Go early in the month for smaller crowds. From December 19 on, it’s busy every day. The park is  open Christmas Eve and Day—but plan for a full house. January & February – Quiet, Cozy, and Closed (Mostly) Aside from a few early-January dates, the park hibernates until March. But don’t count Dollywood out—resort stays during this downtime are relaxing, affordable, and come with heated pools and hot cocoa energy. 🎢 Final Thoughts Dollywood is always a good idea—but going at the right  time can make it even better. Whether you’re chasing fall leaves, Christmas lights, or Dolly herself, a little planning goes a long way. As Dolly once said, “Find out who you are and do it on purpose.”  And if who you are is a thrill-seeking, cinnamon-bread-loving, show-watching, memory-making park goer—well, you’re in the right place. Want to make the most of your trip and  keep more money in your pocket? Check out our guide to Dollywood ticket deals, season passes, and parking tips—you’ll find the best ways to save before you even step through the gates. Happy planning—and see y’all in the Smokies!

A Complete Guide to Choosing Your Debt Payoff Strategy When it comes to tackling debt, two popular strategies often come into play: the debt snowball  and the debt avalanche . If you're feeling overwhelmed by your financial situation, understanding these methods can help you make informed decisions about your debt repayment journey. Many people find themselves in a debt trap, struggling to see progress despite making payments. Whether it's student loans, credit card debt, car payments, mortgage payments, or other financial obligations, the key to getting out of debt lies in choosing the right strategy that aligns with your mindset and financial goals. How to Choose Between Snowball and Avalanche Methods Understanding the Debt Snowball and Debt Avalanche Methods The debt snowball  method focuses on paying off the smallest debts first. The idea is that by eliminating smaller debts quickly, you gain momentum and motivation to tackle larger debts. This method can be particularly effective for those who thrive on quick wins and need that psychological boost to stay committed to the repayment process. On the other hand, the debt avalanche  method prioritizes debts based on interest rates. You pay off the debt with the highest interest rate first, which saves you money on interest in the long run. This method makes mathematical sense, but it can feel daunting, especially if the debt is large and progress feels slow. It's important to remember that there is no one-size-fits-all approach to paying off debt. What works well for one person may not be as effective for another. The key is to be open to trying different methods and not getting stuck in a rut. For example, I initially tried the debt snowball approach, focusing on paying off my smallest debts first. This did provide some quick wins and motivation. However, I eventually realized that I wasn't making as much progress on my higher-interest loans. So I switched to the debt avalanche method, tackling those higher-interest debts first. This saved me more on interest in the long run. Don't be afraid to experiment and change up your strategy if you feel like you're not making enough headway. The most important thing is to keep chipping away at your debt, even if you have to adjust your approach along the way. Does the Debt Snowball Method Really Work? What Research Shows Research supports the effectiveness of both methods, but findings suggest that the debt snowball  method may lead to better long-term results. A study from Northwestern University's Kellogg School of Management revealed that “people with large balances are more likely to stick with their debt payoff plan if they focus on smaller balances first.” Participants using the snowball approach were more likely to successfully eliminate their credit card debt than those using the avalanche method. This is largely due to the motivation gained from paying off smaller debts quickly. Similarly, a 2018 study from James Madison University found that although the financial benefits of the avalanche method are marginally better, the snowball method provides significant psychological advantages that can keep individuals engaged in their debt repayment journey. Choosing Your Path Your choice between the debt snowball  and debt avalanche  methods may depend on your personality and financial situation. If you're someone who needs regular wins to stay motivated, the snowball approach may be the way to go. However, if you can handle the long-term strategy and prefer to minimize interest payments, the avalanche method could be more suitable. Step-by-Step Guide to Starting Your Debt Payoff Journey Five Tips for Successful Debt Repayment Create a Budget:  Knowing where your money goes is crucial. Track your spending to find areas where you can cut back and allocate those funds toward your debt.  Use Extra Money Wisely:  Apply any bonuses, tax returns, or unexpected income directly to your debt to speed up the repayment process and avoids lifestyle inflation. Negotiate with Creditors:  If you’re struggling, consider reaching out to creditors for possible settlements or adjustments to your payment terms. Stay Inspired:  Surround yourself with motivational resources—books, podcasts, or a supportive community—to keep your spirits high during the journey. Remember Your Goals:  Keep your long-term financial goals in mind, whether it's buying a house, funding your child's education, or traveling more. Reminding yourself of these goals can help you stay focused and committed. Frequently Asked Questions About Debt Payoff Methods How long does it take to pay off debt using these methods? The time it takes to become debt-free depends on several factors: your total debt amount, income, interest rates, and how much extra you can put toward payments each month. The debt avalanche method typically results in faster payoff times because you're tackling high-interest debt first. However, both methods can be effective if you stick to them. For example, if you have $20,000 in debt and can put an extra $500 monthly toward payments, you might become debt-free in 2-3 years. Which debt payoff method saves the most money? Mathematically, the debt avalanche method saves more money because you're eliminating high-interest debt first. Let's say you have three debts: a $5,000 credit card at 22% interest, a $3,000 personal loan at 12%, and a $2,000 store card at 18%. By tackling the 22% credit card first, you'll save hundreds or even thousands in interest compared to paying off the $2,000 store card first. Can I switch between debt snowball and avalanche methods? Yes! Many people successfully combine or switch between methods. You might start with the snowball method to build confidence and momentum, then switch to the avalanche method once you've paid off a few smaller debts. The key is to choose what keeps you motivated and making progress. There's no rule saying you must stick to just one approach. How do I stay motivated during debt repayment? Track your progress visually using a debt payoff chart or app. Celebrate small wins, like paying off your first debt or reaching 25% of your goal. Join online communities or find an accountability partner who shares similar financial goals. Set smaller milestones rather than focusing only on the total debt amount. Remember to reward yourself (within reason) when you hit important milestones. What if I can't make extra payments? Start by creating a detailed budget to find areas where you can cut back, even if it's just $20-50 per month. Consider temporary side hustles or selling items you don't need. Look into balance transfer options or debt consolidation if you qualify for lower interest rates. Even small additional payments can make a big difference over time. Should I stop saving while paying off debt? Most financial experts recommend maintaining a small emergency fund (around $1,000) while paying off debt. This helps avoid taking on new debt when unexpected expenses arise. Once you have this safety net, you can focus more money on debt repayment. However, if your employer offers 401(k) matching, consider contributing enough to get the full match while paying off debt. What about student loans and mortgages? While you can apply both methods to any type of debt, student loans and mortgages often have lower interest rates and potential tax benefits. Some people choose to focus on high-interest consumer debt first, then tackle these larger, lower-interest debts. Consider speaking with a financial advisor about the best strategy for your specific situation. Conclusion Ultimately, the choice between the debt snowball and debt avalanche methods depends on your individual circumstances. If you thrive on quick wins and motivation, the snowball method may be the right choice for you. However, if you're more disciplined and can handle the initial slow progress, the debt avalanche method might save you money in the long run. Both strategies have their merits, but understanding your personal financial behavior and preferences will guide you to the best approach for your situation. Whatever path you choose, remember that consistency and commitment are key. Stay focused on your goals, and don't hesitate to seek support when needed. Your journey to financial freedom is within reach! Further Reading Suggestions Budget Like a Boss: The Ultimate Guide to Organizing Your Money The Variable Income Survival Guide: 6 Proven Methods to Calculate Your Monthly Earnings Master Your Money: Uncover Hidden Spending Leaks Debt Payment Tracker I love checklists, especially when it comes to marking things off the list. Seeing a to-do list shrink, is just enough to keep me motivated sometimes. I used digital calculators and spreadsheets for our budget, but I used paper copies of debt trackers in a binder that I would review weekly for paying off each debt. Having each debt laid out and in front of me, was a good motivator. You can track your debt payments and reward your progress with this free debt tracker printable .  Keep a copy for mortgages, student loans, automobile payments, and credit card debt. Trust me - you can have a shredding party for the debt tracker sheet when each debt is paid off! 🔔 Check out this free online calculator to compare your payoff options using the Debt Snowball and Debt Avalanche methods. Once you find the plan that fits your needs, you can print out a debt payment schedule or debt payoff summary . I personally found that printing a payment schedule and marking payments off each month forced me to be accountable.

As someone who's spent countless hours creating everything from wedding bouquets to handmade gifts, I've learned that crafting doesn't have to break the bank. Whether you're a busy parent squeezing in creative projects between work and family time, or a grandparent looking to share some creative magic with the grandkids, I'm here to share the insider secrets to saving big at your favorite craft stores. The Art of Savvy Craft Supply Shopping Let's face it – crafting can get expensive quickly. Those beautiful scrapbooking materials, vibrant paint sets, and intricate decorative items can add up faster than you can say "DIY project." But with the right strategies, you can stretch your crafting budget without sacrificing quality or creativity. Hobby Lobby: Mastering the Sales Cycle Hobby Lobby has a unique approach to discounts that can save you serious money if you know how to play the game. Gone are the days of weekly coupons, but their rotating sales cycle is a game-changer for budget-friendly crafters.  Pro Tip:  I've created a comprehensive Hobby Lobby Sales Rotation Guide (see below) that breaks down exactly what goes on sale each week. This little cheat sheet has saved me hundreds of dollars over the years – especially when I was preparing for my daughter's wedding and needed to create budget-friendly floral arrangements.  Insider tip: Wedding items are typically 40% off every other week, but they jump to 50% off during September, making it the perfect time to stock up on wedding crafting supplies! Check out our free Hobby Lobby Sales Schedule Hobby Lobby Sales Schedule Michaels: Rewards and Discounts Galore Michaels has taken customer savings to the next level with their rewards program. Michaels offers 15% discounts to Military and 10% discount to seniors age 55+. Teachers, you're in for a treat – a consistent 15% off all purchases, including sale items by signing up for the  FREE educator program . This program is open to all teachers, staff and faculty Pre-K through Post-Grad within the US, including teachers who work in daycare centers, early childhood learning centers, home schools, after school programs, and Boys & Girls Clubs. Be sure to download the Michaels app and join the Michaels Rewards program . All members will earn 3% in Rewards on eligible purchases every time they shop. Qualifying members will earn 6% in Rewards if they have spent $300+ in eligible purchases in the past 12 months. You can also earn bonus rewards based on how you shop, get access to coupon codes, and more.  JoAnn Fabrics: Discounts for Everyone JoAnn Fabrics is a treasure trove of savings for various groups. They offer 15% discounts for educators , military , and healthcare workers . Students and recent graduates can save even more with a 20% discount by signing up for the free Student/Grad Beans program . Through this program, graduates will receive the 20% discount for up to five years after graduation.  Be sure to download the JoAnn App and take advantage of the JOANN Smiles  program. This personalized program inside the app rewards you when you complete missions. Rewards are crafted just for you. You will be able to take advantage of bonus discount days, birthday rewards, special coupons, and other special surprises along the way.  Have a big project? There are even more savings opportunities with JoAnn Plus . Take advantage of bulk discounts, fabric bolt discounts, and a 10% discount when you purchase over $75.  Not to sound like a television commercial, BUT WAIT, THERE’S MORE! JoAnn offers tons of coupon discounts  for in-store and online purchases. The best hidden secret that I didn’t even know about until an employee shared it with me - JoAnn will accept competitor coupons on in-store purchases! They also offer accept price matching from these online retailers: Amazon.com , Cricut.com , Dollargeneral.com , Familydollar.com , Hobbylobby.com , Homedepot.com , Lowes.com , Michaels.com , Officedepot.com , Partycity.com , Staples.com , Target.com , Walmart.com . You can read about competitor coupon matching and deal exclusions here  if you have any questions .  Bonus Savings Strategies 1. Download Store Apps:  Instant access to mobile coupons and exclusive deals 2. Use Rakuten:  Cashback for both in-store and online shopping. This can be stacked ontop of store discounts. You can  earn extra bonus cash   by joining through my affiliate link.   3. Check Credit Card Rewards:  Some cards offer additional cashback on specific purchases 4. Seasonal Clearance:  Buy ahead for the upcoming year at end of season sale events. Seasonal Sale Hack Want the absolute best deals? Mark your calendar for these clearance periods: - January 1-9: Christmas items up to 90% off - Late February: Valentine's Day items at 90% off - Week after Easter: Easter items up to 90% off - Mid-August: Spring and summer items at 90% off The Bottom Line on Budget-Friendly Crafting Crafting should be about creativity, joy, and self-expression – not financial stress. By implementing these strategies, you can: - Reduce your craft supply expenses - Plan purchases around sales cycles - Maximize every dollar spent - Enjoy your creative projects without guilt Remember, the most valuable resource is often not money, but the time and love you pour into your crafts. These savings strategies simply help you craft more, worry less, and create memories that last a lifetime.

Are holiday expenses keeping you up at night? Whether you're searching for "best deals before Black Friday" or "how to save money on Christmas gifts," this comprehensive guide reveals insider strategies to maximize your holiday budget. Let's explore how to find amazing deals before the shopping rush begins. 1. Master the Pre-Black Friday Strategy The secret to scoring the best holiday deals? Don't wait for Black Friday. Here's why: - Many retailers start holiday promotions in early November - Less competition for popular items - Better inventory selection - More time to compare prices - Reduced shipping delays Pro Tip : Create price alerts now for your most-wanted items using price-tracking tools . 2. Leverage Amazon's Hidden Savings Beyond obvious discounts, Amazon offers multiple ways to save: - Subscribe to Amazon Prime for early access to deals - Use Amazon Warehouse for open-box discounts - Check Amazon Outlet for overstock deals - Stack Subscribe & Save discounts on gift-worthy essentials Money-Saving Hack : Look for the "coupon" checkbox under item prices for additional savings of up to 20%. 3. Hunt for Amazon Promo Codes Like a Pro Maximize your savings with these Amazon-specific strategies: - Install the browser extensions - Check the "Today's Deals" section daily - Use Amazon gift card promotions - Sign up for  Amazon's credit card  for 3% back - Look for digital coupons in your account Secret Tip : Amazon frequently offers promotional credits for choosing slower shipping options. 4. Facebook Marketplace: Your Local Savings Goldmine Transform your local marketplace into a gift-shopping paradise: - Set alerts for specific items - Shop in affluent nearby areas - Look for "New with Tags" items - Check seller ratings and history - Negotiate bundles for better deals Safety First : Always meet in safe, public locations for exchanges. 5. Master Local Buy/Sell Groups Join and effectively use local buying groups: - Search for "mom swap" groups - Join neighborhood buy/nothing groups - Look for local hobby-specific groups - Check university sale groups - Monitor estate sale groups Community Tip : Build a positive reputation by being reliable and courteous. 6. Stack Multiple Savings Methods Combine various savings strategies: - Use cashback apps ( Rakuten , Retailmenot) - Stack store coupons with credit card rewards - Combine store sales with promotional codes - Use discounted gift cards ( CardCash ) - Apply student/military/senior discounts 7. Time Your Purchases Strategically Know when to buy specific categories: - Electronics: Early November - Toys: Mid-November - Winter Clothing: Late November - Gift Cards: December - Holiday Decor: Early November 8. Utilize Price Protection Protect your early purchases: - Use credit cards with price protection - Keep all receipts and price screenshots - Monitor prices after purchase - Request price adjustments - Document all communication with retailers 9. Leverage Social Media for Deals Follow money-saving social media accounts: - Deal-hunting Instagram accounts - Facebook deal groups - Twitter deal alerts - Pinterest savings boards - YouTube deal channels 10. Think Outside the Big Box Explore alternative shopping venues: - Consignment shops - Local artisan markets - Online outlet stores - Subscription box resale groups - Direct-from-manufacturer sites Bonus Tips for Maximum Savings Stay organized with these strategies: - Create a gift spreadsheet - Set a budget per person - Track prices over time - Keep a running total - Document all purchases The Smart Shopper's Calendar Mark these important dates: - Early November: Start monitoring prices - Mid-November: Begin serious shopping - Late November: Black Friday alternatives - Early December: Last call for standard shipping - Mid-December: Local shopping focus (This post contains affiliate links. When you purchase through these links, we may earn a small commission at no additional cost to you.) #HolidaySavingTips #AmazonDeals #PreBlackFriday #GiftSavings #SmartShopping #HolidayBudget #ChristmasShopping2024

Store-Specific Pricing Policies Many retailers used to promise to match or beat a competitor's price allowing you to get the best deal without having to visit multiple stores. Retailers also offered "price protection" by refunding the difference if the price for an item dropped within a set time limit after you made a purchase. Unfortunately, these types of offers are much less common now. Although Walmart dropped its competitor matching policy mid-2023, Target continues to honor "select" competitor prices. Likewise, Best Buy will match select competitor prices. Best Buy's policy differs from Walmart and Target in that it has a special holiday price match period and will match their own lower prices during the return period. Stores today vary greatly in their price matching and low price guarantee policies. Be sure to read the full policy limitations, terms, and conditions. Best Buy Price Match Policy ( terms ) Matches prices from qualified select competitors Matches BestBuy.com prices for in-store purchases and vice versa Must be identical in-stock item and requires proof of lower price One price match per identical item per customer Extended Holiday Price Match Guarantee from Nov 1-Dec 31 (valid through Jan 14) Does not match third-party marketplace sellers, clearance, refurbished, or open-box items Does not match membership-only prices or loyalty program offers Does not match Black Friday deals (Thursday before Thanksgiving through Cyber Monday) Target In-Store Price Match Policy ( terms ) Matches select competitor prices 14-day price adjustment window Must be identical and in stock item at time of price match Requires proof of lower price (show digital/online price) Requires original receipt for post-purchase adjustments Does not match prices from other Target stores Does not match marketplace sellers or Target Plus™ Partners Does not match clearance, closeout, liquidation, damaged, or open package items Does not match promotional codes, lightning sales, or loyalty program prices Walmart In-Store Price Match Policy Matches Walmart.com prices at time of purchase for identical items ( see restrictions ) Must be in-stock at time of price match One price match per item, per day, per customer Does not match competitor prices Does not match special event pricing (clearance, Rollback, Black Friday or Cyber Monday deals, limited-time promotions) Does not match Walmart Marketplace Retailers or third-party Sellers Does not match prices from other Walmart or Neighborhood Market stores (Policies current as of early 2024 - always verify current terms with specific store locations) Price Tracking Tools Instead of post-purchase price protection, most services now focus on helping you find the best price before purchase. Aside from store-specific price matching policies, make sure you are comparison shopping before making purchases in order to maximize your money. Use multiple price tracking tools such as extensions and apps to maximize your savings.  Browser Extensions Honey : Shows price history and finds coupons Amazon Shopping Tools  Search for discounts and bestsellers Rakuten  Combines cashback with price comparison Capital One Shopping  Show price comparison and finds coupon codes  Karma : Cashback, coupons, and updates on price drops Amazon-Specific Tools CamelCamelCamel : Historical price tracking Keepa : Detailed price history and alerts Both of these offer email alerts for price drops! Best Practices Before making a purchase, do your homework. Look at historical pricing on items. Know the best months to purchase items at the lowest prices. Be familiar with each store's price guarantee, price matching, refunds and returns policies. Install browser extensions, money saving apps. Set up alerts for price drops and act quickly when a price drop does occur. Look for promo and coupon codes. Stack these when possible. Now, let's go shopping! (This post contains affiliate links. When you purchase through these links, we may earn a small commission at no additional cost to you.)