by admin -

Williamsburg

I am so thankful for the opportunity to visit Williamsburg last week. We had such a great time. The best part about our trip (other than the fact that I ate at my favorite restaurant) was that we met up with two different families that we don’t get to see very often.

The first family was a family we met when we moved to Virgina Beach. We became friends at a very difficult time because my husbands injuries were most severe during our winter in Virginia Beach. Our friends drove my husband around and even took him to work almost every day for about 6 months. This was a huge blessing to our family. We spent Thanksgiving and Christmas with them two years ago and have so many wonderful memories of our time together. I am sad we do not see them now that we moved away, but am hopeful we can make time to see each other more in the future. It was fun spending part of our day in Williamsburg with them and catching up.

The second family is a family we see more frequently, but not enough in our opinion. They are friends who live in West Virginia. It was hard when we first met them because the dad worked for my husband and in the military that means no friendship. The wife and I became great friends though, and our kids grew very close. Last year the dad retired from the Navy so we have enjoyed family time together over the past year. These friends have been a wonderful example of servanthood to our family and I love spending time together. We will be spending this Thanksgiving with them in WV and I can’t wait! They surprised us in Williamsburg last week and we had a great time!

While it is hard moving so frequently, I love having friends that I can visit in so many different states. I realize that if the Navy hadn’t moved us to West Virginia and then to Virginia Beach, we would have never met these families and many others. I am thankful we have friends around the world!

Fun in Williamsburg

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For more Gratituesday visit Heavenly Homemakers.

by admin -

Military Shipping Deadlines

Christmas Card Design , c.1956-1962 by Andy Warhol

Christmas is coming… here are the shipping deadlines for shipping mail to overseas military bases.
Military Mail Addressed To Express Mail® Military Service (EMMS)1 First-Class Mail® Letters and Cards Priority Mail® Parcel Airlift Mail (PAL)2 Space Available Mail (SAM)3 Parcel Post®
APO/FPO AE ZIPs 090-092 Dec-18 Dec-11 Dec-11 Dec-4 Nov-28 Nov-13
APO/FPO AE ZIPs 093 N/A Dec-4 Dec-4 Dec-1 Nov-21 Nov-13
APO/FPO AE ZIPs 094-098 Dec-18 Dec-11 Dec-11 Dec-4 Nov-28 Nov-13
APO/FPO AE ZIPs 340 Dec-18 Dec-11 Dec-11 Dec-4 Nov-28 Nov-13
APO/FPO AE ZIPs 962-966 Dec-18 Dec-11 Dec-11 Dec-4 Nov-28 Nov-13

by admin -

Veterans Day Discount at Home Depot and Lowes

The Home Depot and Lowe’s, the world’s largest home improvement retailers, once again are offering a 10 percent Veterans Day discount to active-duty service members, reservists, retirees, veterans and their immediate family members.

The Lowe’s discount is available Nov. 6 through Nov. 11 on purchases of up to $5,000 in U.S. stores from merchandise in stock and special order. The maximum discount would be $500.

The Home Depot discount is available Nov. 6 through Nov. 12 on purchases up to $2,000, for a maximum discount of $200. The discount is offered at The Home Depot stores, The Home Depot Design Center locations, Yardbirds and EXPO Design Center locations. To get the discount, you must provide proof of military service when checking out, and the discount will be applied at the register.

I know that some Lowe’s offer military discounts year round, but not all of them do. I am sure there are many other Veterans Day discounts so if you know of any email me and I will spread the word.

Thanks!

by admin -

Provisions

Don’t you just love it when God provides an unexpected blessing? Last Thursday at church I was chatting with friends about our camping trip and a friend offered to loan us Therm-a-rest camping mats as well as warmer sleeping bags. I followed her home from church and picked up the supplies. Those camping mats made a huge difference in our trip. We were very warm inside our tent even though it dropped below freezing the first night. The extra sleeping bags allowed the kids to double up and they stayed warm as well.

After our camping trip we had planned to stop on the way home to pick apples at a farm. We were all so dirty and tired we decided to skip the picking. The kids were disappointed but they all understood. Then on the way home we came across a pear tree. There were lots of pears just laying all over the ground in perfect condition. We took them home, but I am not sure about eating them. Can you help me identify these pears? Also do you have any good pear recipes?

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I came home from the weekend and had an email in my inbox regarding free Colonial Williamsburg tickets for veterans. I am so excited that we will be able go again and we will all get in free.

After our perfect camping weekend I couldn’t have dreamed that it could get better and yet now we have a trip to Williamsburg planned for next week. The kids are already counting down the days until we leave!

For more Gratituesday visit Laura.

by admin -

Coupons for Troops

I want to start by thanking all of you who have generously donated your coupons to the Coupons for Troops campaign. I appreciate your willingness to support our troops overseas. I received thousands of coupons each week and am able to send them to bases overseas where the prices are higher and money can be extremely tight for our military families.

I recently found out that there are a few remote bases that do not have commissaries (the grocery store) but they do have an Exchange (similar to a Super Walmart). The Exchange accepts coupons, but not expired ones. As someone who has lived on a base with only an Exchange I can tell you the prices are very, very high. I am looking for people who would be willing to donate unexpired coupons to these families. If you are interested in donating coupons that are not expired please email me at coupons4troops@comcast.net and we can discuss the details.

Thanks to all who have participated in Coupons for Troops. You are making a difference!

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Sacrifice

I thought I didn’t have time for a Gratituesday post this week, but then I realized that I had an obvious reason to be grateful today and I couldn’t pass it up. Today I have the privilege of watching one of my closest friend’s four boys. I am sure many of you are wondering why in the world it would be an honor to have four extra boys in my home.

Today is a special day for this family. Today my friend will go to the airport to pick up her husband. But this is not a routine reunion. Today her husband and their dad returns home from a one year tour of duty in Iraq. For one year, this family made a great sacrifice for us all. My friend was a single parent for potlucks, soccer games, church activities, fights, laughter, tears and so much more. They shared their dad with all of us so that we can enjoy so many freedoms we usually take for granted.

I don’t pretend to imagine how hard it must be to have your husband/father absent for one year. My husband’s deployments have been much shorter. I am thankful that they were supported by friends, neighbors and their local church during this time.

I am thankful that our friend is returning from his one year deployment safely. Many return injured and some do not return at all.

I am thankful to this family and all the others who sacrifice their husbands, wives, dads, moms, brothers, sisters, sons and daughters. As I type this, my next door neighbor is getting ready to deploy in a few days. Remember these families in your prayers and thank them for their sacrifice.

by admin -

Getting Settled

After a week of moving, I feel like we are finally getting settled in our new house. We still have a long way to go, (my bedroom and the garage) but we are making progress. This summer my goal is to sort through every bin, box and cubby we have in our house and get rid of the things my kids don’t use anymore. They have so many great toys, but they seem to get lost in the shuffle. I want to weed out the bad from the good so we can start using the good stuff!

Here are some pictures from our move.

Dining Room last week

Dining Room this week

Living Room last week

Living Room this week

Kitchen last week

Kitchen this week

School Room last week

School Room this week

The Garage (aka the black hole)

I hope to make progress on the black hole this week.

For more Making Your Home a Haven visit Crystal’s blog.

For more Talk about Tuesday visit Lara’s blog, she is having a giveaway!

For more tackles visit 5 Minutes for Mom.

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Thriving in the Military

My husband has been in the military for 20 years. He has worked his way up through the ranks, but when we first got married we were a poor enlisted family that did not know how to work the military system to our advantage. Here are some tips I have learned over the years on how to make it on one income in the military. 

 

  • Use the military healthcare system. I realize there are many of you who have horror stories about military doctors. I have them myself, but I also have them about civilian ones as well. There are great military doctors, you just have to be picky. In the military health care system they should pay for everything including some OTC drugs.  If you use a military pharmacy you can even request children’s Tylenol, Ibuprofen (childrens & adult), Claritin, Zyrtec, Robitussin, etc.  
  • Sign up for WIC.  I know not everyone agrees with WIC but it is something that we used many years ago and it really helped us to make ends meet during that time period. This site will explain the WIC program http://www.fns.usda.gov/wic/.  There is probably a WIC office on base.  
  • Deployment benefits. Deployments are never fun, but if your spouse deploys make the most of this time. First of all most of the current deployments create a situation where your income is now tax free. There are also various deployment pays that your spouse will receive that are non taxable. Use that money to pay down any debt, or if you are debt free beef up your savings. There is also a savings program that allows you to invest up to 10,000 a year with a guaranteed 10% return on the investment.
  • Speaking of savings we have had many times in our military life where our pay has been wrong. Once it was a several thousand dollar mistake. You need to have an emergency fund. Having money in the bank can help you through moves, deployments, and promotions which tend to be the time when your pay can be inaccurate. 
  • Make sure you use the military to cover all other work related expenses.  For example, if your spouse has to take a cab home from the airport after a TDY, the military will reimburse them for it.  
  • Save money on kids stuff by using  hand me downs, e-bay, thrift shops (including the base thrift shop), yard sales (especially this time of year.)  Go early for the good deals.  Craigslist is also a great resource.  
  • Talk to First Sergeant if AF or Chief if Navy about money/financial  planning.   
  • If Air Force, visit the Family Support Center.  I think they may have changed the name of this to Airman Readiness Center or something. There is a place called Airman’s Attic with all kinds of free stuff. Some with free things including diapers, formula and clothing.  
  • Whenever you move, even if you have the military hire movers, do a partial DITY move. You can usually make a few hundred dollars just by weighing your vehicle and filling out a few forms. 
  • Increase the number of exemptions for taxes.  This creates more money in your pocket each pay period.
  • If you can live on post, this is almost always a better deal than renting. Everything is covered in your BAH including utilities. 
  • Shop at the commissary. There has been a lot of debate about whether or not the commissary is cheaper, but I have friends who have made price books and they agree that the commissary is cheaper. 
  • Many bases offer services for family members of deployed service members. I know that where I live the Army subsidizes drop in child care as well as gives discounts on tons of programs if the parent is deployed. 
  • Become a resident of state you are stationed if there is no income tax.
  • Utilize your local library for entertainment. Books, CDs, movies and activities for preschoolers are all available at the library for free. 
  • This would be long term, but, your spouse should start on their bachelors degree if they don’t have one already. Apply to Officer Training School or even a ROTC program somewhere.  Let the military pay for it all.  Take advantage of all the tuition assistant programs available. My husband got his commission through the Navy. The Navy paid his salary for 3 years while he got his bachelor’s degree. He also got his masters degree paid for by the Navy, as well as numerous certificates and certifications. 

These are just a few ways to thrive on a military income. I hope to continue this series throughout the summer.  Thanks to my friends and military spouses Liz and Nancy for helping me come up with these suggestions. 

For more frugal tips stop by Crystal’s blog. 
by admin -

Commissary Shopping Tips

I received this email from a military spouse the other day…

I’m a new military wife (married last June), so I don’t even know what a case lot sale is. Can you please explain it to me?
We aren’t active duty right now, but I have a feeling we may be in the near future. The closest commissary to us is 40 minutes away (Carlisle Barracks in PA), and we probably wouldn’t go there except that my in-laws live in the same town as the commissary, so we attempt to pack a cooler or 2 and stock up when we can for the two of us. However, after that service charge is added and I tip the baggers, sometimes I feel like I haven’t really benefited by shopping there even after the “discount” deals I find! I’m definitely a coupon clipper and don’t care about brand names, but I still feel like after those extra costs and the price of gas, I can normally just shop at a local grocery store for the same $ or sometimes less. Maybe I’d see most cost saving if I were buying for a family instead of just the two of us. Any tips for commissary shopping?

First of all, a case lot sale is basically when the commissary sells items in Costco quantity at commissary prices. Commissaries usually have two or three case lot sales a year. The best deals sell out quickly at many stores so it is good to go the first day or two. You can also use coupons at a case lot sale, which will increase your savings. Much of the food at the case lot sale is prepared food, like canned fruits and veggies, boxed drinks, cereals, and snacks. They also have cleaning items and cleaning products for sale too. The thing to remember is that these are all sold in large quantities, you cannot separate them. You could go in with another military spouse to purchase the items.

As far as the surcharge, I think it depends on where you live, if this cuts into your savings. Certain states charge a sales tax on their food, so if you live in one of those states the surcharge probably doesn’t make a difference. I live in Maryland, which does not charge sales tax on food. The 5% charge may make a difference for someone who is driving an hour each way to the commissary and has to factor in the cost of fuel.

Tipping the baggers is a controversial topic, so I want to chose my words carefully. I always tip the baggers, but I do think it is hard to determine a fair amount. There are several factors to consider; weather, number of bags, distance to the vehicle. The more bags I have the higher the tip, but I have never tipped more than $5.

Now down to the really important stuff. Is the commissary really cheaper? I would have to say yes, item for item, pound for pound the commissary is cheaper. I only shop at other grocery stores when I am getting things for free, or close to free. There will be times when using double coupons and bogos, you will be able to beat the commissary’s price, but unless all your shopping, including meat and produce, is done that way you will save money overall at the commissary.

Here are some tips for getting the best deals at the commissary

Do not shop on a payday weekend. These are the busiest shopping days at the commissary. It is almost impossible to walk down the aisles, not to mention figure out coupons if you shop during this time.

Take advantage of the tear off coupons. These are the coupons that are attached to the shelves. Many times these coupons match up with items that are already on sale. Combining sales and coupons this way can almost get you items for free. For example, last month there were many rip off coupons in the taco aisle, and all the Old El Paso items were on sale. I bought 3 jars of salsa, 4 boxes of shells, 4 cans of refried beans and 2 seasoning canisters for $6.

Plan your menus around the Commissary sales. The Commissary rotates its sale items every two weeks, starting on Thursdays. I usually try to post the sales at the Grocery Gathering, but sometimes individual commissaries run their own specials so I don’t catch all the deals. You can look up your individual Commissary here.

If you live far from a Commissary, try making one bulk trip every 4 to 6 weeks. At one point we lived about an hour a way from the Commissary. I went every 4 weeks to purchase in bulk; milk, yogurt, formula, diapers, bread, cereal and meat. I would also pick up the groceries I needed for the week. As far as I know, stateside commissaries do not ration items so you can really stock up on things that are a great price.

The Commissary will save you more money if you live in a high cost of living area. I live in the D.C. metro area. There is no other store that can compete with the Commissary’s prices. I also found this to be the case when I lived in the Virginia Beach area. If you aren’t sure about your commissary savings try making a price book. This will help you to determine whether or not making an hour or so drive to the Commissary is worth your time and money.

What is your best Commissary shopping tip? Leave a comment and let us know.

The Happy Housewife