How do YOU Spell Stress Relief?

I had five children in the first seven years of marriage and moved 11 times in 13 years! During that time frame, my fighter pilot husband was gone as much as he was home, I home-schooled the kids because it was the only continuity they had, and I didn’t have the support or proximity of any extended family members. It was a situation set up for a first class trip to the funny farm! 

    Some folks turn to addictive behaviors to cope with stress, like shopping therapy (and the credit card debt that goes with it) or overeating (OK, so I’ve been known to wallow my sorrows in chocolate and coffee on occasion).  But I decided to volunteer at the base Family Services Center. They paid for 6 hours a week of childcare for those five kiddies and I gave back to the military community in a productive way instead of drowning in the “poor me” syndrome.  I also worked out by walking the kids at the park or running early in the morning before my husband left for work. We were on a tighty-tight budget at that time, so these stress relievers were within our spending plan because they were FREE.

 How do YOU reduce stress without breaking your budget?  My son, Jonathan, is a freshman (doolie) at the United States Air Force Academy, and it’s an incredibly rough first year at that fine institution. They get broken down and built back up as a military team. But they also find brilliant ways to reduce stress. One of the biggest weekends in a “doolie’s” life is 100’s night. This is when the seniors (firsties) have 100 days until graduation. They find out their bases, and they all go out for 3 days to celebrate. It’s tradition for freshman to “decorate” their room. The more you destroy it with a theme, the more respect you show to that senior. For Cadet Owen’s room, Jonathan & friends used 300 pounds of rice, and random stuff including marble strips from the Terrazzo (the main walk area at the Academy) for a Zen garden. Jonathan, et al, also created a tennis court in another room complete with artificial turf, foul lines and a net. There was a “pond” with water and 15 goldfish (for the class of 2015). The photo shows a VW bug that was purchased from salvage and reassembled in a senior’s room. Another senior staff member had his room dry walled shut—the hallway was one straight wall, instead of an alcove going into his room. He had to destroy the new “wall” to get in!

A lot of de-stressing military stories are told in my new, 3rd edition of Heroes at Home, some are so very creative! Here’s one of my favorites:

Tom Neven, a former Marine, is currently an author and freelance writer. He tells the story of when he was stationed in Okinawa at Camp Hansen with the First Battalion, Fourth Marines. Someone broke into the provost marshal’s office, where they had an audiotape player that broadcast the national anthem and “Marines’ Hymn” at 0800 every morning. The “criminal” substituted a Led Zeppelin tape. At 0800 the next morning, as each unit was waiting to raise the morning colors, a raucous “Whole Lotta Love” blasted across the base instead!

 What do you do to de-stress? Today, I still walk, volunteer, spend time with friends and I also love getting spa treatments and I never pay full price. In fact, I subscribe to the local deal site, Local Living  to get an $85 massage for $33 or a $45 pedicure for $18. So be sure to check with your local group buying site to save money. 

 Share with me how YOU spell stress relief!

Ellie Kay

 

 

Share and Enjoy:
  • Print
  • Digg
  • Sphinn
  • del.icio.us
  • Facebook
  • Mixx
  • Google Bookmarks
  • Blogplay
  • RSS
Posted in About Ellie Kay, Budgeting, Family News, Military | Leave a comment

Great Dates With Your Mate–Q&A With Ellie Kay

My honey and I took a trolley ride with friends on the beach and had a blast! What do you have planned for a great cheap date? Here are some of your questions that have arisen during this month of love.

QUESTION: My boyfriend is a tech junkie, and while he never forgets to get the latest upgrade, he does sometimes forget special days like my birthday or our anniversary. Is there a way to help my high tech love realize that Valentine’s Day is around the corner?   Simmering Cindy in Cincinnati

 ELLIE:  There’s some good news for you, Cindy, there are quite a few apps you can buy for your romantically challenged love. The first one is only $.99 and is called CREATIVE ROMANTIC IDEAS: $.99, IPHONE, IPOD TOUCH, IPAD  This app will give him  ideas that are ranked by price and difficulty, from personalized M&Ms to more elaborate ideas that go beyond the usual candy and flowers.  OPEN TABLE: IPHONE, IPOD TOUCH, IPAD, ANDROID, BLACKBERRY This app will help him from being caught without a restaurant reservation. This popular app lets him find restaurants that are nearby, check to see availability and make a reservation. Get info you need from restaurant profiles to menus, including for the budget-minded $$ ratings so you can stay in your price range. Finally, there’s a free app called CINEPLEX MOBILE: IPHONE, IPOD TOUCH, IPAD, BLACKBERRY, ANDROID. Useful for dates or any other occasion when he wants to find out what’s playing at a theatre near you. Read entertainment news and reviews, see trailers and buy tickets online. Cindy, by speaking his high tech language, you’ll find better results.

 QUESTION:  My husband has been off work for 18 months and works odd jobs here and there just to help pay the bills until he can find regular work as a full time welder. Do you have any ideas for Valentines gifts for people with NO money to spend?                               Jessie Johnson from Detroit, MI

 ELLIE:  Trade chores for the day. Surprise your loved one by completing all of his/her chores. Clean the house for your wife or take out the trash for your hubby. Add a special touch by leaving heart shaped cookies in the home or a meaningful note in their car. No matter how small the chore, having someone else complete it will be sure to leave a smile on your loved one’s face.  

Make a book of coupons. The coupons could include a massage, free pass for a girls or guys night out, cooking a favorite meal, or even promising a day of sports TV without any interruptions! Recognizing things that are important to your significant other will go a long way in showing how much you care. My husband just presented me with a 12 year old coupon that says, “good for a new corvette when I sell 100,000 copies of my book.  I passed that mark several years ago and he just found the coupon when cleaning out a drawer!

 QUESTION:  My fiancée is in the military and is overseas. Do you have any extra special ideas that I can send him via email. I already mailed a package, but I wanted to do something more.         Sampson,  submitted via Facebook

ELLIE:  There’s an app that costs $1.99 and is called VOICE VALENTINES: IPHONE, IPOD TOUCH, IPAD. You can impress your Valentine with a customized ecard that you can send by email, Twitter or Facebook. Design your card, add a photo and message and your Valentine’s Day love delivered in your own voice. Or you could get an app for $1.99 or under that is called BUILD-A-CARD, CUPID ADDITION: IPHONE, IPOD, $.99 AND $1.99 FOR IPAD. With this app you can create customized ecards to email, Facebook or Twitter. You can take photos from your camera, your album or your Facebook account to build a one-of-a-kind card.

QUESTION:  I’ve been married three years and my husband and I have a very good relationship. The only thing that bothers me is that he doesn’t have any photos of me at work, he says he has them on his iPhone and shows people that way. We are on a budget and for Valentines Day, I wanted to give him a photo for his desk. Any ideas to make this gift not seem too cheap?                                                         Amanda from San Antonio, TX

ELLIE: By all means, Amanda, frame up all kinds of his favorites—not just photos. In the digital age, chances are good that your mate doesn’t have a hard copy of some of your favorite memories.  If your man has a treasured baseball card or an old family photo, have it framed so he can hang in a special place.  Then add a second gift of your best photos as a couple. You can get a customized collage for less than $5 at Costco.com or Walgreens and request same day or next day service. If you want to be less obvious, you could do the same in a mousepad or coffee mug.

 QUESTION:  My wife and I have been married for 25 years and we raised 3 outstanding children together. I love her very much. For Valentines Day, I like to give her chocolate because she likes it. The problem is that she’s been on a diet off and on for months now and if I don’t give her chocolate then she may think I’m saying she’s overweight and doesn’t need it. But if I do give her candy, she might go off her diet and blame me. What do you suggest?                                           Anonymous but still in love in Destin, FL

 ELLIE:  This has the potential to be one of those no win situations, so you need to approach this carefully.  If you buy your woman a 5 lb. box of chocolate in the shape of a heart, she’s either going to eat a few pieces and waste the rest or eat a bunch of it and feel guilty or sick.
I recommend that you find out what kind of candy she likes and get a small portion of that kind of candy.  Since you’ve been married for so long, you could also include a mix “tape.” Burn a CD of your favorite songs or those that are special to your relationship. Create a personalized cover with photographs of the two of you and place it in a plastic CD case for presentation. You can also load a special mix onto your significant other’s MP3 player so you can share it together in the car or at home. The thot you put into the CD should outweigh any potential conflict from the candy and you should emerge unscathed. J

 Ellie Kay

America’s Family Financial Expert (R)

 

Share and Enjoy:
  • Print
  • Digg
  • Sphinn
  • del.icio.us
  • Facebook
  • Mixx
  • Google Bookmarks
  • Blogplay
  • RSS
Posted in Uncategorized | Leave a comment

Great Cheap Dates With Your Mate

Here a happy snap of the first time I went to a military ball with the World’s Greatest Fighter Pilot. You have to love that 80′s hair, don’t you?

  Valentine’s Day is a few days away, and according to the National Retail Federation, the average consumer will spend more than $115 for Valentine’s Day this year – up more than 11 percent from last year. Coupled with the money spent during the holidays, many will carry extra expenses over the coming months – particularly if a credit card is the chosen method of payment.
On Valentine’s Day, we all like to do things for our significant other to make them feel loved But while buying a beautiful piece of jewelry or spending a fortune on dinner may make them feel special, creating a mound of debt in the process is not very loving. Today, let’s look at creative ways to keep that date cheap without being a cheap date.

For Valentine’s Day, you might feel the need to pull out all the stops, but it’s not necessary. Sure, some people want to celebrate the holiday in a lavish way, but others prefer to go the low-key route. Whether you fit into these descriptions or fall somewhere in the middle, there are a romantic date ideas for Valentine’s Day or the weekend before that suit every budget.

FLOWERS When it comes to flowers, you usually get what you pay for and one way to cut costs is to hand deliver, this can save anywhere from $8 to $20. You could look at localliving.com or other group buying sites in your area which has been offering great deals on flowers. Another option is to get a potted bowl of blooms that she will see everyday. Treat them right and they will survive all year or longer for the price of cut flowers.

THE THOUGHT THAT COUNTS – One kind of fun option reminds me of one of my favorite romantic comedies, “Kate and Leopold” and that is to give flowers with specific meanings. Go to TheFlowerExpert to find out the meaning of different flowers. For example, red roses mean romantic love while a bouquet of mixed roses means “I don’t know my feelings about you yet, but I’m sending you roses anyway.” Carnations are a less expensive option and a red carnation conveys love pride, beauty and admiration.  Daisys are also inexpensive and convey “loyal love.” A sunflower symbolizes pure thoughts and it’s one that my 16 year son is getting his special friend-who-is-a-girl. So you can select a cheaper flower if, and only if, you write a note explaining the meaning of the flower and why you chose it for your true love.

DINNER – Eating out for Valentines is really important and there are quite a few ways to save a lot in this area and still have a nice time together.  Lunch or brunch can be half the price of dinner and you could go on the Sunday before the big day. In fact, some restaurants are offering prix fix menus for the weekend or entire Valentine week. Go to your favorite restaurant’s twitter or facebook page and see what specials they are offering to get the best value. Some of these values are only offered to social media friends. You can also go to www.restaurant.com where gift certificates have gone on sale this week. You can  get a $25 gift certificate for your favorite restaurant for as little as $2. Check community billboards at your local chamber of commerce website. For example, in our area, a local Greek center is offering a romantic, candlelight dinner for two with champagne, flowers, dinner and dancing for $50 a person. While this may not seem like a bargain at first, when you add up the cost of the individual items like the food, flowers, bottle of bubbly and a cover charge you would have to pay to dance, it’s an all inclusive deal that is sure to please. Plus, you can learn how to dance the Kalamatianos, a traditional Greek dance.

 A SHOW – If you have a little more to spend, and want to take in a show, then go to broadwaybox.com or goldstar.com to find great prices on tickets.  Remember that you don’t have to attend on Valentines week for it to count, you only have to have purchase the tickets and presente them as a gift! We saw Phantom on Broadway for 50% off and got great orchestra seating. Or, if you want to give a gift that will cost less each time you use it, buy a season’s pass to a museum at www.museumca.org  and not only can you visit your local museum whenever you want for the year, but you also have reciprocal privileges at 400 other museums. The same applies to zoos and aquariums, go to www.aza.org (association of zoos and aquariums.)

 Send me your questions or your ideas and I’ll answer them in my next blog!

 Ellie Kay

America’s Family Financial Expert ®

Share and Enjoy:
  • Print
  • Digg
  • Sphinn
  • del.icio.us
  • Facebook
  • Mixx
  • Google Bookmarks
  • Blogplay
  • RSS
Posted in Bargaining, Budgeting, Couples, Entertainment, Gifts | Tagged , , , | Leave a comment

Coupon Blessings – Diary of a Coupon Queen

I had five children seven and under, a fighter pilot husband who was gone more than he was home, and we had just made our eleventh military move in thirteen years. Because we moved so much, we homeschooled the kids to give the poor little dears the continuity they needed.  In the midst of keeping a clean home, volunteering at our local base, couponing, grinding our wheat and making our bread, I decided to do something totally unreasonable:  I wrote my first book, Shop, Save and Share. This photo is what we looked like when I penned the “Coupon Queen’s” book, just after coming back from my first book signing.

Besides having a high energy level at that time, the main reason I wrote a book was to help other families get out of the debt the same way we were able dig out from $40,000 in consumer debt. It seemed that writing a book was the best way to get the word out to a lot of people at once.  Fast forward twelve years, and my kids are almost all grown and gone and I now have 14 books under this expanding belt of mine. :-) As I reflect on whether Shop, Save and Share achieved it’s intended purpose, I introduce a guest blogger, Andrea Wiener, who will give us her story. (This is a shortened version, for the full version go to Coupon Blessings.)

Andrea’s Story:

So glad to have this opportunity to tell my story – how God used Ellie Kay and her ministry to help eliminate my $30,000 credit card debt.

 At the age of 17, I was $30,000 in debt from almost a dozen credit cards.  [In 1999] I’m prayin “Lord, I’m still up to my ears in debt and now I gotta stock up on stuff”[for Y2K].

 God quickly started answering that prayer – a few days later, Ellie Kay appeared as a guest on “Life Today” with James and Betty Robison. Ellie had just come out with Shop, Save, and Share – I was excited to read it cos’ here was somebody that made sense – and I wanted to know how to share blessings with others when I didn’t have too much myself – and a whole bunch of debt besides which.

 Ellie’s book was SO simple – I think I ended up dog-earing a few of them – her explanation of couponing and blessings were easy. Simplest concepts were new to me – like using a store coupon with a manufacturers’ coupon!

 As I mastered each concept, I immediately started using it – and moved on to the next one. I used to keep her book in my bag – that’s why it was getting so dog-eared, and I ended up having to buy a few of them.

 What I like about the book is that Ellie’s Christian worldview and integrity come out from the VERY first chapter. I remember this quote from the Shop Save and Share audio/video series – “everything we do must be done with integrity and honor” – so whenever the shelf-clearing tendencies try to take over as I shop, I go back to that.

 In 2000, all my debt was paid off. 12 years later, I have a couponing website (www.couponblessingsnow.com) and a corresponding Facebook page (CouponBlessingsNow) – but if it wasn’t for God putting Ellie Kay and Shop Save and Share into my life, I don’t think I would have any of this.

 My advice to you guys? If you haven’t already, check out Ellie Kay on her website (which is www.elliekay.com) and on her “Ellie Kay” Facebook page – you will be blessed, for she will teach you a LOT.

*************

Thanks, Andrea, for sharing your story today and everyone be sure to check out her blog.

Ellie Kay

America’s Family Financial Expert (R)

Share and Enjoy:
  • Print
  • Digg
  • Sphinn
  • del.icio.us
  • Facebook
  • Mixx
  • Google Bookmarks
  • Blogplay
  • RSS
Posted in About Ellie Kay, Consumer Debt, coupons, debt | 1 Comment

Debt and Taxes (Plus a Free Giveaway!)

 

When my son, Jonathan, was seven years old, we went to his favorite toy store to spend his allowance. He had $5 saved and the item he wanted was $4.99. Already a math whiz, he exclaimed, “Wow, Mama, I can buy this and have a penny leftover!” Then I told him about taxes, and his face fell as he realized he couldn’t get the toy airplane. All of the sudden, his eyes brightened with an idea, “I know, Mama, why don’t YOU just pay the taxes and I’ll owe you the money?”  Since we “don’t do debt” in the Kay house, I had to explain how I didn’t want him to go into debt to me and he would have to wait another week for his next allowance. Jonathan learned, the hard way, about debt and taxes.

     I’ve been doing a lot of research on taxes and my best tips are listed below, courtesy of TaxACT. They’ve partnered with me today so be sure you go to the end of this post to see how my peeps can WIN a free copy of  TaxACT Deluxe ($12.95 value) in my giveaway!

  •  Get Organized Ahead of Time – I recommend my “Sixty Minute Tax Workout” where you whittle down the tax task a bit at a time. Get organized before you sit down by gathering all your W-2s, 1099s, and other tax documents. TaxACT offers a free interactive checklist here (http://www.taxact.com/reference/what-do-i-need.asp) and on TaxACT Central, TaxACT’s free companion mobile app available for download here (http://www.taxact.com/mobile/taxact-central/).
  • Get Smart – Familiarize yourself with the new tax  law changes by going to IRS.gov and look at Publication 17, the first few pages summarize the major changes. You can also go to taxact.com/taxinfo.
  •  E-file – For the fastest refund (in as few as 7 days with direct deposit). Unlike paper filers, e-filers receive notification as soon as the IRS has processed your return.
  •  Get it Free– Use a free tax preparation solution, but beware – free solutions are not created equal. I recommend TaxACT Free Federal Edition because it’s truly free for everyone, including you! Unlike other free tax preparation solutions, there are no restrictions or gimmicks. TaxACT includes forms for simple and complex tax returns, plus unlimited free tax and technical help by email. Your return is backed by TaxACT’s Maximum Refund Pledge and Accuracy Guarantee. TaxACT Quick Convert makes it easy to switch to TaxACT by bringing in info from last year’s return. It’s fast, easy and convenient – you can even use TaxACT Online on your iPad! With your free e-file and direct deposit, you could have your federal refund as fast as 7 days. After you e-file, check the status of your return on TaxACT Central, the free companion mobile app.
    •  Pay What You Can – If you cannot pay your entire tax balance, file and pay as much as you can by the April 17th deadline to avoid penalties and interest. Call the IRS to discuss payment options, including installments.

 REMEMBER:

  • Don’t Forget to Import – Save time and aggravation by importing key data from a PDF copy of last year’s return. If you have multiple W-2s, a 1099 or investment data, use the quick entry features available on TaxACT Free Federal Edition at taxact.com.  
  • Don’t Procrastinate – Although this year’s filing deadline is April 17, 2012, don’t procrastinate because rushing can result in errors.
  • Don’t Get a Cash Advance On Your Refund – When you can get your refund in as little as 7 days by e-filing with direct deposit, it’s a dumb money move to pay all kinds of interest to get your cash a few days earlier. You need that extra money, don’t throw it away!
  • Don’t pay more than $15 to e-file State Taxes – If your state charges income tax, then all your federal info transfers to your state forms when you use TaxACT. The federal solution is free and the state solution costs less than $15 –less than half the price of others.
  • Debt and Taxes – Don’t spend your refund on Disneyland or a new TV  if you have credit card debt.  Instead, use 50% of the refund to pay down consumer debt and the other 50% to build up your emergency fund. You may not get the mouse ears this year, but you’ll be in better financial shape!

 WIN A FREE COPY OF TAXACT DELUXE EDITION – (Value $12.95)

 

     TaxACT is giving away 10 free copies of Deluxe to my peeps!  Your name can be entered in any of the following ways: email assistant@elliekay.com and put “TaxACT Giveaway” on the subject line (feel free to drop me a note with your own money tips), or you can “like” this post on Facebook or Twitter, you can retweet it, or leave a comment on my blog. (Be sure to enter by Feb 15th, and we’ll draw names and notify you if you won.)

After you enter the giveaway, visit www.free.taxact.com  for a sneak peak of TaxACT’s commercial airing on Feb. 5 during the football game and enter Feel the Free Fridays sweepstakes to win a tech prize!

 Here’s what you’ll win in my giveaway: TaxACT Deluxe Step-by-step guidance through your guaranteed accurate return, plus free tax and technical help in the Answer Center, online, by email, AND by phone

 Biggest guaranteed refund in as few as 7 days. With free federal e-file and direct deposit, you can have your refund in as fast as 7 days.

  • Donation Assistant – maximize your deduction for non-cash donations with audit-backed values for more than 1,300 items
  • TaxACT Life Events breaks down the tax implications of major life changes, such as getting married, having children or selling your home
  • Tax Guides with money-saving tax information about  college, education and retirement
  • Other tools and guidance, including Stock Import, TaxWatch 2012, calculators and reports

I hope you win!

Ellie Kay

America’s Family Financial Expert (R)

 

 

 

 

Share and Enjoy:
  • Print
  • Digg
  • Sphinn
  • del.icio.us
  • Facebook
  • Mixx
  • Google Bookmarks
  • Blogplay
  • RSS
Posted in Consumer Debt, Family News, Kids and Money, Taxes | Leave a comment