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  • Morning Coffee: 50% off Sears voucher, Cheap Old Navy dresses & More

    Morning Coffee is published daily and includes the best of the latest coupons, deals, and info I think you may find interesting. Prices and deals can change at any time so be sure to verify them before making your purchase. Please note this post contains affiliate links that help support this site at no additional cost to you. Thank you for using them! You can read CFO’s full disclosure here.

    ~ Groupon: $20 Sears voucher for just $10

    ~ Today’s Gold Box Deal of the Day: 50% off select Women’s Sandals, including Aerosoles, Nine West, and Clarks {prices start at $17.99}

    ~ New printable coupon for $1/1 Lipton Tea & Honey Liquid

    ~ New printable coupon for $1/1 Banana Boat Sun Care Product

    ~ Today only at Old Navy: Women’s Dresses for only $10 and Girl’s Dresses for only $8 {in-store and online, where you can use code SAVE to get 20% off}

    ~ Southern Cali Saver: Cheap foil at Vons/Pavilions

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    How to Train Your Dragon 2: In IMAX theaters this Friday, June 13

    On Friday, June 13th, the second chapter of DreamWorks Animation’s beloved How to Train Your Dragon franchise is soaring to all IMAX theatres domestically in select engagements. The IMAX 3D release will be digitally re-mastered into the image and sound quality of The IMAX Experience®, creating a unique environment that will make audiences feel as though they are flying alongside heroic Viking, Hiccup, and his faithful dragon, Toothless.

    Jay Baruchel, Gerard Butler, Craig Ferguson, America Ferrera, Jonah Hill, T.J. Miller, Christopher Mintz-Plasse and Kristen Wiig reprise their respective voice roles, joined this time by Academy Award® winner Cate Blanchett, Djimon Honsou and Kit Harington. Visit the official movie website for more info, and find your local IMAX theater and showtimes here.

    Movies are a great way to keep the kids out of the heat during summer vacation, and we enjoyed the first How to Train Your Dragon movie, so I’m looking forward to taking the kids to see this one!

    Information in this post has been provided by IMAX.

    Morning Coffee: Churchill quotes for $2.99, Free Bisquick & More

    Morning Coffee is published daily and includes the best of the latest coupons, deals, and info I think you may find interesting. Prices and deals can change at any time so be sure to verify them before making your purchase. Please note this post contains affiliate links that help support this site at no additional cost to you. Thank you for using them! You can read CFO’s full disclosure here.

    ~ Amazon: Churchill By Himself by Winston Churchill for $2.99 {collection of Churchill’s quotations; $9.99 value; 4.9 stars in 35 reviews}

    ~ Print and save this coupon for $1/2 Ziploc to get 2 boxes of bags for $1.50 each after Register Rewards at Walgreens, starting Sunday

    ~ New printables:

    ~ The Kitchn: An even cheesier grilled cheese sandwich

    ~ Money Saving Mom: Free printable summer reading calendars

    ~ Printable Coupons: Werther’s Caramel coupons for Walgreens deal starting on Sunday

    ~ OC Deal Mama: Rare high-value $1/1 Bisquick coupon that makes for free Bisquick at Walgreens next week

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    Use Your Taxes as Your Springboard

    This is a post from Jenna Smith. Consideration was received for the editing and publishing of this post.

    Spring cleaning isn’t just about decluttering your house and making everything all clean and sparkly. Spring cleaning is about taking stock of your life. It’s when you look at where you’ve been, where you are, and where you want to go. Yes, a lot of those ideas manifest in the clearing out of physical clutter, but it also manifests in other ways, like getting your finances back on track . . . or did you think that it was a coincidence that tax time happens in the spring?

    Okay, well, it probably is a coincidence, but let’s pretend that it’s all part of a bigger system, okay? It’ll make this post more fun.

    Starting Up: What Are You Bringing In?

    The most eye popping number on your tax forms isn’t the amount that you owe or the amount you’re getting back. The most important number on your tax forms is your earned income. Trust us: now that you have that number, everything else gets a lot easier.

    Step One: What Is Your Debt to Income Ratio?

    The best place to start here is with your bills. Gather together all of your utility bills, your credit card bills, your car loan and mortgage bills and any other payments you might be making. This will give you a black and white evaluation of what you’re spending at a minimum each year. Divide that amount by the amount of money you brought in. This will give you your debt-to-income-ratio.

    According to the Consumer Financial Protection Bureau, you want a debt-to-income ratio that is below 43%. If your debt-to-income ratio is higher than 43%, you are more likely to have problems paying your bills on time. If the amount you pay out every year is higher than the amount you’re bringing in, that means that you are living on credit. Living on credit never goes well.

    Step Two: Lowering Your Debt to Income Ratio

    First – don’t be ashamed if your debt to income ratio is higher than 43% or even if you’re living on credit. What’s important isn’t what you did last year. What is important is what you are going to do this year. There are a few different approaches that you can take to reducing the amount of money you pay out every month (and year):

    1. Settle Your Debts.

    Settling your debts is where you work with a creditor to come up with a lump sum payment that is less than the full amount you owe but that you pay all at once to declare your commitment fulfilled.

    Sometimes you can do this yourself but it is usually better to work with a third party. Most creditors and debt holders prefer working with debt reduction specialists. They are also more likely to give you a better deal when you work with these companies and individuals than if you approach them on your own.

    2. Adjust your payments.

    Creditors and debtors want to keep your business. They would rather lower interest rates and forgive fees than have you close your account. Call them and ask them to work with you to make your debt repayment easier.

    3. Live on the Cheap

    Debts aren’t the only things eating up your annual income. Track your spending habits for a month or two and then evaluate: can you cut anything? There are lots of ways to live super frugally without having to give up the things you love. You just have to be creative.

    Remember: the goal is to be in a better financial position next year than you are this year. Even if you can’t get debt-free within the next twelve months, some progress is better than none!

    Flashback Friday: What To Do with Leftover Macaroni and Cheese

    This post was originally published in 2011, but since my kids recently left me with a nearly full pot of mac and cheese, it’s time to bring it back!

    Ideas for Leftover Mac & Cheese -

    If your kids are like mine, they regularly leave you with leftovers. If you’re left with a pot of leftover mac and cheese, here are some things you can remake them into for another {frugal!} meal:

    Fried Macaroni and Cheese – Refrigerate leftover mac and cheese until firm, then cut leftovers into squares, rectangles, or triangles, or scoop into balls. Dredge mac and cheese in flour, a beaten egg, and then panko or bread crumbs. Fry in a hot skillet until golden brown on all sides.

    Chili Mac and Cheese – Combine leftover macaroni and cheese with some chili.

    Hamburger “Helper” – Brown ground beef or turkey, and combine with leftover mac and cheese. (You may need to add some water, milk or broth to achieve the desired consistency.) You could add some diced tomatoes, chopped broccoli or spinach, or other veggies.

    Chicken or Ham Casserole – Stir diced chicken or ham and steamed broccoli into the mac and cheese. You can serve it as is, or top with crushed crackers and butter and bake until bubbly.

    Mac and Cheese Pizza – As weird as it may sound, a Google search turns up over 20 million results. I’ve yet to try this one myself, but apparently you just put the mac and cheese on a regular pizza crust, and bake. You can top it with more cheese and/or breadcrumbs, if desired.

    Affiliate banner via Escalate Media Network

    Image via by KEKO64.