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Frugal Friday – Coupon stacking = Retail grace?

by Mary O.  Moss

Some stores allow shoppers to “stack” coupons. Coupon stacking is using more than one coupon on one item. Coupon stacking is a store-specific opportunity to save even more money. The blog, (Freebies 4 Mom), provides comprehensive information about this.  The three stores in my area that allow this practice are Target, Walgreens and CVS.

Target and Walgreens both allow you to use a “store coupon” (with the store logo/name on it) plus a printed manufacturer’s coupon (either from a sale flier or printed off the internet) for an item. Both coupons must specifically state what they are for and they must “match.” In other words if one is 50 cents off and the other is $1 off, it won’t work.

I’ve found Target coupons in inserts in the Sunday paper, and on line HERE at A Full Cup.  When you get to the site, you’ll also find an awesome Target Shopping List to match coupons to products and other manufacturer coupons. When you get your Target receipt, be sure to check for “Catalina coupons.” These are coupons printed on the back or bottom of your receipt. Sometimes there’s even a chance to take a quick survey about your shopping experience and receive a discount on your next trip or to be entered in a drawing for a gift card.

Walgreens is another great place to stack coupons. I have been doing this for years and saved tons of money. Like Target, Walgreens has an insert “magazine” in the Sunday paper and midweek.  At the front of the store you can pick up a Walgreens coupon booklet so you can plan your purchases for the month, matching up store and manufacturer’s coupons to save a bunch.

I typically wait until the mid-week ads come out to shop using these “stacked” coupons because they restock the shelves in anticipation of another rush of shoppers.

CVS goes one step farther in the stacking department, though! They allow you to use a CVS coupon, manufacturer’s coupon AND “Extra Bucks” coupons. CVS runs special promotional ads each week indicating you can earn “Extra Bucks” for purchasing select items. These are coupons you can use on ANY item in the store just like cash on your next visit! You can click HERE to learn more about this great money-savings method!

I chose this frugal living topic today after reading rather lengthy forum discussions on whether or not it was ethical to do this, if it was “cheating” or being greedy. That’s up to each individual to decide, of course, but if the store allows it, they do so because they know (or hope) you’ll spend even more money on “non-coupon” items.

“For of His fullness we have all received, and grace upon grace” (John 1:16 NASB).
“From the fullness of his grace we have all received one blessing after another” (John 1:16 NIV).
“We all live off his generous bounty,  gift after gift after gift” (John 1:16 The Message).

I choose to think of these opportunities as “retail grace.”  We receive more than the store needs to give us in the hopes we’ll shop there.  Isn’t that kind of how grace is? God offers it and makes it so appealing we just can’t resist His invitation!


Marriage Monday — Tame Your Tongue

by Julie Gorman

I remember when I first discovered four letter words. Though I’m not proud of it, I used them quite a few times as a kid. My friends seemed pretty impressed with my use of these colorful adjectives—my parent’s did not share the same opinion. I got away with swearing for a time, I figured as long as I didn’t say them in front of my parents I’d be okay. Eventually one slipped out in front of my parents and so did the soap across my mouth. 

I learned a valuable lesson early in life— 

You can’t hide what’s hidden in your heart forever. 

Matthew 12:34-37 says, “For out of the overflow of the heart the mouth speaks. The good man brings good things out of the good stored up in him, and the evil man brings evil things out of the evil stored up in him. But I tell you that men will have to give account on the Day of Judgment for every careless word they have spoken. For by your words you will be acquitted, and by your words you will be condemned.” 

The familiarity of our marriage lends us to say things to our spouse that we would never dare say to another human being—but don’t be mistaken; our words cut and damage our spouse like any other person. 

So if you’re asking, “How do I tame my tongue?” My answer is to allow God to tame your heart. Ask yourself: 

>>How do I speak to my spouse?

>>How do I speak about my spouse?

>>What thoughts fill my mind about him?

>>Am I talking constructively or tearing down my spouse? 

A great question I learned to ask before I spoke of an offense was, “Will this offense matter five years from now?” Some helpful hints I learned to follow are: 

>>Only address issues if they count past your immediate present.

>>Just because we have emotions and opinions doesn’t mean we speak every one of them. Recognizing we don’t need to discuss our every emotion or opinion releases us from judgmental attitudes and liberates us to control our speech.

>>When we believe and speak positively about our husbands they become gentler and kinder towards us.

>>Exercise the same restraint in responding to your husband as if you were speaking to your boss at work or dear close friend. 

Know this—what we hide in our heart eventually comes out sooner or later. If our speech reflects our heart’s condition, then when we clean up our hearts by surrendering them to God, we clean up our speech and control our tongues. 

Another important truth to remember is: Taming your tongue isn’t merely keeping it from saying something: it’s training it how to say something.

In other words don’t just control your speech to keep from saying something bad…practice praising your spouse. 

People rise to the words you speak over them. If you tell your husband he’s a cheating scoundrel who selfishly lacks empathy—you’ll probably get it. But, if you choose to shower him with words of affirmation he’ll rise to the occasion. Praising and believing the best about our spouses heals our relationships powerfully. Again, this may take practice but it’s worth it. Some things you can do to help are: 

>>Write out ten reasons you love and respect your spouse.

>>Find a way to daily express your admiration for your spouse.

>>Express your respect in the way he will most effectively hear you. (Practice doing this for 30 days and you will be amazed at the results.)

>>Entertain positive thoughts about your husband; concentrate on 2 or 3 things you love about him instead of contemplating all the things he does wrong. 

James 1:19 says, “…Everyone should be quick to listen, slow to speak and slow to become angry.” 

Prayer: Father, we ask that you would help us to honor this verse. We admit to You we often speak out of selfish motives. Help us to think on what is good so the overflow of our hearts speak words of comfort and love. Cause us to store up the good qualities of our husband in our heart, not belabor over negative thoughts. We give you our speech. Guard our mouths. Put a gate across any words perceived to tear our husbands down. Heal our marriages we pray, in Jesus name, Amen.


We Have a Winner!

We have a winner!  Monday’s giveaway of Leigh Hargis Gray’s book, Loving God, Loving People has been won by…

Melinda

(winners chosen by random.org)

Melinda, please email us at

ServingYou@LifeCoachingForChristianWomen.com

by Noon on Friday, 4/9 so we can make arrangements
to get your prize to you.

Congratulations!!


Finding Your Motivation

Whatever you do, do it with all your heart

This weekend I had the opportunity to participate in the ING Georgia Marathon / Half Marathon. Several dozen members of my triathlon team were running the half or the full and I went both to run and cheer my teammates on.

After finishing the half I was able to cheer the full marathoners near the finish line for several hours.  During this time, I had the opportunity to see hundreds of finishers. Some were running for charity, some just to get in a good training workout, and one man wearing a full superman outfit. It was a diverse group. There was also quite a disparity in attitudes of the people crossing finish line. Some had the expression that you could plainly read as “this was the worst experience of my life and I am never going to do this again!” Others were in obvious pain as they shuffled or stumbled towards the finish line. But members of the third group were the most inspirational.

Do you not know that those who run in a race all run, but only one receives the prize? Run in such a way that you may win.

These people were all winning by overcoming their own personal mountain. They were the people with a look of sheer joy, satisfaction, and elation of having completed such a task. Running (or walking) across the line screaming or sobbing their behavior would have been inappropriate in most situations. However, under the circumstances, it was quite emotional and literally choked me up.

I found myself wondering as they crossed what their story was. Had they run in honor of a friend or relative suffering from cancer? Had they overcome a huge obstacle to make it this far? Or were they simply overjoyed at the thought of sleeping in on Saturdays instead of getting up for a 20 miler. I think the one that touched me the most was an overweight woman in her fifties, coming in near the tail end of the group of 16000 total finishers. I imagined that she had never pictured herself as an athlete and it was surreal to her that she had finally accomplished her goal perhaps a goal that some people had told her was ill-advised.

Interestingly enough a verse came to my mind as I watched these runners and in particular this woman. “I have fought the good fight, I have finished the race, I have kept the faith. “ Paul was likely not talking about a footrace with these words but he was speaking about the satisfaction that comes through knowing you did your best, you followed through and gave it everything you had.

Thinking about this experience this week has reminded me to take no experience for granted and to tackle wholeheartedly the daily tasks of life. Whether it’s my own training, work, or a quiet time, my goal is to do it with all my heart!

by Bethany Rutledge


Frugal Friday – Sell All You Possess?

by Mary O. Moss

“And behold, one came up to him, saying, “Teacher, what good deed must I do, to have eternal life?” Jesus said to him, “If you would be perfect, go, sell what you possess and give to the poor, and you will have treasure in heaven; and come, follow me.” When the young man heard this he went away sorrowful; for he had great possessions” (Matthew 19:16, 21-22 NRSV)

I don’t think Jesus was literally telling this man to give away all his possessions and become homeless. The point Jesus was trying to make is that we must place Him and His word above all other things in our lives. Money won’t buy us a place at the banquet table in heaven. It can certainly buy us plenty of wonderful things. But the worry and stress of excessive debt can interfere with our ability to live abundantly in Christ!

Jesus assures the young man in this passage [and us] that nothing on earth can buy him what he sought after the most. The young man asked Jesus what he lacked. Jesus gave him an answer that was pretty hard to hear. In essence, Jesus tells us that to live the life God has planned, we must place Jesus above anything else: above a new sofa, above a redecorated home, even above that amazing pair of shoes that have been calling your name. Spending money to buy things we can’t afford means we’re placing more value on “things” than we should.

Before we can be truly debt-free we need to free ourselves of all the stuff that is complicating our lives; all the stuff we didn’t need in the first place! Then we need to get rid of the debt that is keeping us from enjoying our life! A friend suggested selling our excess items (shoes, books, clothes, and other “stuff”) on e-bay, at a yard sale, on craigslist, or on consignment. Then use the money from selling all that stuff and apply it towards credit card balances. Cut back in other areas of your life for the time being, to get the burden of debt out of your life!

Pay as much as you can on the first card and pay the minimum balance due on each of your other cards. Then once you pay off the lowest balance card ($700 here), pay the minimum due on the Card #2 PLUS the payment you made on Card #1. So your payment on Card #2 ($35 in the example here) will become $49 ($14.00 + $35.00), etc.

Jesus wants to be the most important thing in our lives! He wants us to want only Him! He offers us treasure in heaven. Let’s face it: those ‘to die for’ shoes will wear out one day! Once the debt is gone, develop a habit of paying cash or only charging what you know you can pay off at the end of each month. Free of the burden of debt, we can begin to fully live abundantly in Christ—the ultimate fulfillment of all our needs.

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