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Here's What's New 
Just a reminder: Use coupon code MCPC413S to get a free one-night DVD rental from Redbox through October 23, 2013. This code is valid at the kiosk only (it will not work for online registrations). Let us know if this works for you. Thanks, Moms By Heart! For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.    Related Stories For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave. 
This is the weekly list of Free Homeschool Curriculum and Resources compiled by Jamerrill from FreeHomeschoolDeals.com. If you aren't a homeschooler, but you're a parent, teacher, babysitter, or nanny, you'll probably find at least a few useful freebies in this list. You may also want to go through the Educational Deals and Freebies from earlier this week for more. You can download Free Tall Tales Notebooking Pages and Free John Trumbull Notebooking Pages. Here’s a fun way to practice spelling: Free Connect 4 Spelling Practice Printables No telling how long this will last –> There’s a coupon code offer for a FREE Crayola FX Studio Software Download! (Reg $11.99) Looking for a creative reward system for your children? Check out these free Reward Card Printables. There’s a free eBook available – Listening To Learn: Using Audio Files in Your Homeschool You can get a FREE Homeschool Audio by Rachael Carman, Seven Steps to Sanity. Motherhood on a Dime is offering a free X Marks the Spot printable set for preschool. This set goes along with her free God's Little Explorers preschool curriculum. 
It’s already October, but here are the Top 100 Homeschool Freebies for September 2013! Educents.com is featuring Free Writing Practice Color Words Unit (save $3.50!) Here’s a new 80-page Free Pumpkin Printable Activities Pack. Love lapbooks? Get a Free Electricity Lapbook, and a Free Crocodilians Lapbook. The Old Schoolhouse Magazine is offering their free fall issue + 3 Free Homeschool eBooks. For your students who love LEGO – Free Lego Themed Story Writing Printables. This is fun! Free Printable Spelling game for Fall – use with any word list! 
Lasting Thumbprints features30+ Ways to Homeschool with Pool Noodles! Homeschool Giveaways is offering Free Pioneer Themed Resources and Freebies and Free Cloud Themed Unit Studies and Printables. Download Free Farm Coloring Sheets and Free Fall Coloring Printables. More for Columbus Day studies –> Free Christopher Columbus Lapbook and Notebook Study. For little hands, Free Cutting Practice Strips. Emily Powers created a free printable called The Beatitudes of Homeschooling to encourage homeschool families in their journey. First Week of Fall Activities and Printables for Preschoolers. Learn about Animal Camouflage on a Frog Scavenger Hunt. 
If you enjoy free Kindle books for your homeschool here are 10 Nature Readers for Children Additional Fall Themed Freebies: Free Fall Leaf Preschool Printables, Free Scarecrow Activity Printable Pack , Free Harvest Addition Packet, Free Preschool Apple Unit Activities, and Free October Calendar Numbers and Header. Freely Educate is offering information on Free American Sign Language Courses and Free Interactive Periodic Table of the Elements in Video Format. Go to MeetPenny.com for a free October Activity Learning & Crafting Calendar. Get a Free Printable Firefighter, Firefighter, What Do You See? Emergent Reader. Erin from RoyalBaloo.com is offering these free Clip and Count Clothespin Cards. For encouragement for frugal homeschool living, read how one homeschool family pays on $1.09 a gallon for gas – in 2013! Click here for more homeschool freebies!
*Don't forget! If you are looking for additional free homeschool resources please check the huge growing list of free homeschool curriculum and resourceson MoneySavingMom.com! Jamerrill is the homeschooling mother of a large and growing family. After seasons of spending $50 or less annually to homeschool her children, she started Free Homeschool Deals in 2012 to help all families afford the homeschool life. You can follow the homeschool goodness on Pinterest and Facebook. For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories 
Here are some new printable coupons: (Note: The link in this post is my referral link. Read my disclosure policy here.) For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories 
Target released some new mobile coupons today! Text the word FRESH to 827438. These don't expire until November 16, 2013. - $1 off any brand Sandwich Bread
- $1 off Frozen Food Item $1 or more
- $1 off Archer Farms/Market Pantry purchase $2+ (excl, dairy)
- $1 off Up & Up Item $3 or more
- $1 off Fresh Meat purchase of $1 or more
- $1 off Fresh Fruit purchase of $1 or more
- $1 off Fresh Vegetable purchase of $1 or more
- $0.75 off any brand Dishwashing Item ETS
- $1 off any brand Bath Tissue 12 pk+
- $1 off any Brand Paper Towels 6 pk or larger
- $1 off any brand Trash Bags
- $1 off any brand Laundry Detergent ETS
You should be able to get some free fruits and veggies with these coupons. And maybe a free load of bread, too! Thanks, Common Sense With Money! For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories 
Today at Belle Chic sale you can find some beautiful Personalized Jewelry for as low as $14.99!  Each piece is created personally upon ordering and shipping is a flat rate of $2.99! (order as many pieces as you like for this one low shipping cost!) (Note: The link in this post is my referral link. Read my disclosure policy here.) For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories 
My friends, Jim Woods and Erik Fisher, co-wrote an ebook on goal-setting called Beyond the To Do List: Goals. It’s available for FREE on Amazon.com today, so you’ll want to check it out! I just downloaded my copy and am looking forward to reading it. For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories 
Guest post from Rachael of Thriving on Thrifty Now that the weather is getting cooler and the leaves are beginning to fall, I can only think of the joyous season ahead. Holidays full of turkey, pies, lights, mistletoe, debt, tinsel, caroling…Wait, HUH? Debt? That must be a typo, right? Unfortunately, it seems that debt is becoming about as common in the holiday season as Christmas trees and turkey dinners. So how do we take this joy zapper out of such a joyous season? Well, I have 7 ideas below that have helped me enjoy my holidays without dreading the credit card bill in the weeks to follow: 1. Make a gift budget and stick to it. Christmas comes the same time each year, and yet somehow it always sneaks up on us financially. However, if you include it in your budget and save throughout the year, by the time it’s time to shop you already have your money set aside. Also, be sure to stick to your budget. It’s so easy to just go a few dollars over here and there, but those dollars can really start to add up. Make a budget and stick to it! 2. Shop early. You may be wondering why I wrote this post now. We still have over 2 months until Christmas. Well, the earlier you shop the more time you have to look for deals. I started shopping for Christmas presents back in the spring so I could catch great deals as they came along rather than waiting until the last minute and settling for whatever prices are available. While it’s no longer spring time, you still have plenty of time to find some awesome deals… and then next year you can start even earlier! 3. Be practical. I know it’s so easy to want to buy every toy that your kid puts on his list. However, they truly don’t need every toy. Guess what? In a few months, they will probably have forgotten about that toy and will be wanting something else. While it’s fun to get a few things that your kids are longing for, use Christmas as a great time to get the stuff they truly need. When I was about 10, my parents got me a mattress. Yes, you read it right…a mattress. The funniest part is that I actually asked for the mattress (I was obviously a very practical child). I still remember that gift. You know why? My husband and I are still using that mattress. While I may remember a few other presents from my childhood, I can truly say that very few of them have lasted me 15 years. That’s why we are using this year as an opportunity to upgrade my son’s baby room into his “big boy” room and get him some stuff that he really needs. 4. Be honest with yourself. Just because you’ve gone all out in the past for Christmas doesn’t mean you have to meet or out-do it this year. Really analyze your situation and do what you can truly afford according to your income and budget. 5. Be creative. Try finding creative ways to use your talents to make presents. For example, if your talent is photography, use this talent to make family portraits for someone. If you are like me, maybe you really like couponing and finding free or inexpensive deals. Take those items and make a gift basket full of toiletries and pantry items. It might be practical, but I have a feeling it will get used. 6. Look for extra ways to save for Christmas. Try looking for small ways to supplement your income to help pay for Christmas. Below are a few things I am using to help earn a little extra money here and there. Trust me, the little amounts can add up if you stick to it. - Viggle: An app that gives you points for watching television that you can redeem for prizes like gift cards.
- Ebates: A rebate-style site that pays you to shop online.
- My Points: Get points for completing task, taking surveys, shopping online, etc. that can be redeemed for rewards like gift cards.
- Inbox Dollars: Earn money while completing task, confirming paid emails, and more.
- ExpoTV: Get points for making video reviews of various products which can be translated into rewards like Amazon gift cards.
7. Enjoy the season. After all, the true meaning of this season is NOT about seeing how much debt we can accrue. With these relatively simple tips, I hope you’ll have a wonderful holiday season filled with all that good stuff I mentioned above… and without all the debt! What are your tips for having a debt-free holiday? Rachael Lachniet is a stay at home mom who enjoys learning ways to save money for her family and tries to share these ideas with others on her blog, Thriving on Thrifty.
photo credit For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories 
Here is a unique deal that I have only seen a few times before! Order a one-year subscription to Hobby Farm Home Magazine for only $7.50 when you use coupon code MONEYSAVING at checkout. This magazine gets excellent reviews on Amazon. About Hobby Farm Home Magazine: Hobby Farm Home celebrates traditional farm life with modern flair. Articles include cooking with home-grown produce and farm-raised meat, the decor of the farmhouse, reviving farm traditions, and the handmade creation of objects-bringing the farm indoors. This offer expires tonight 10/04/13 11:59 PM EST. Are you looking for other magazine titles? You can use coupon code MONEYSAVING to save 20% off of most titles at DiscountMags! (Note: The link in this post is my referral link. Read my disclosure policy here.) For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories 
Kroger shoppers, download a coupon good for a free bottle of Tum-E Yummies. This e-coupon is available to download today only but is valid through October 19, 2013. Thanks, Freebie Finding Mom! For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories 
Here's a round-up of current Natural & Organic Deals and Coupons, with thanks to Andrea from The Greenbacks Gal: Natural and Organic Coupons: $1.00/2 Earthbound Farm Romaine Salads, $0.50/1 Clif Mojo Bar, and $0.50/1 Brown Cow Yogurt, $1.00/1 Mediterranean Snacks Product, $0.55/1 Enjoy Life Product. For a full list of Natural and Organic coupons, go here. Natural & Organic Coupons Available at Costco for October: There are a few natural & organic coupon offers at October Costco Coupon Book. Find out how much you will save. Bob’s Red Mill Gluten-Free Oats: Save 47% on Bob’s Red Mill Gluten-Free Oats and pay just $4.14/32 oz bag. This is a pantry staple, so stock up while the price is low. EnviroKidz Organic Lemur Crispy Rice Bars: Get these EnviroKidz Choco Drizzle organic bars for just $0.46/each after subscribe & save & Amazon Mom discounts. Natural Child World Subscription: Get a 1-year subscription to Natural Child World for just $13. You get 6 issues/year. Free Amazon Kindle Books: Amazon currently has these best selling healthy eCookbooks available for free download: The Farmer’s Market Seasonal Cookbook, 132 Delicious Salads, Dressings & Dips, Food Drying, 15 Strategies to Make a Fantastic Dinner by Using Fresh Ingredients, and Vegetarian Grilling Andrea Green of The Greenbacks Gal is an organic coupon expert. What if you could find affordable organic and eco-friendly products on a budget? Eco-friendly moms need affordable solutions. Andrea finds the best green deals, helping hundreds of families save on the frugal, green lifestyle. Nothing makes her happier than to help people realize being organic doesn’t have to cost more.
For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories 
“Mommy, can you play with me?” His voice broke into my concentration as I studied my to-do list for the day figuring out which more pressing thing I should do next. 
I started to launch into a gentle explanation about how Mommy was busy this morning, but I quickly caught myself as I looked at his pleading eyes. 
I glanced back at my list — the list that just moments ago had seemed so important — and all those handwritten to-do’s paled in comparison to my little 4-year-old. 
He will only be little once. Someday soon, he won’t be begging me to play with him. He’ll be all grown up and involved in his own life and dreams. 
For today, the to-do list can wait. I’ve got more important plans… I’m laughing, giggling, loving on, and playing with my little boy. For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories 
During the month of October, I'm following along with Edie & Ruth on their 31 Days of Less & More journey. I'd love for you to join in by reading the posts and completing the projects, or just sit back and read along each day.
Less Bitterness Not too long ago, a long-time acquaintance of mine did something really hurtful toward me. It wasn’t one of those situations where someone inadvertently hurt you; this was a clear personal attack on me by someone whom I considered to be my friend. It was upsetting and painful and I wanted to wallow in self-pity and anger over her actions. Truthfully, for a few days, I did. But as I sat and sulked over the wounds this person had caused in my heart, I began to realize this was accomplishing nothing good. What she did was wrong, there’s no denying that. But if I respond in anger and develop a long-term bitter spirit toward her, I’m just as wrong. Her actions toward me are her responsibility. But my response to her is my responsibility. I can’t change what she did, but I can choose to forgive. Bitterness and anger toward someone will never fix a problem. It will only hurt us — and probably the other person, too. More Forgiveness Forgiveness is a choice we can make — regardless of whether the other party asks for forgiveness or admits they are wrong. It’s never an easy choice, but it’s always the right choice. Even though I was angry about this situation, in my heart of hearts, I wanted to choose forgiveness. So I started refusing to allow those upset thoughts to fester in my mind. Instead, I chose to pray for this woman and continually ask God to help me love and forgive her. Amazingly enough, as I changed my attitude toward the situation, I started to really love this woman and be able to overlook what she had done. In fact, within a few days, I decided I wanted to back up my forgiveness with tangible actions. So, I thought about something I could do to bless this woman and then I made some things for her, bought a few things I knew she would appreciate, wrote a note, and delivered the goodies to her. Can I just tell you that this felt so very good? After I delivered the gifts to her, I just couldn’t help but smile. Yes, forgiveness is so much better than bitterness! For more on this topic, check out Ruth's post on Less Bitterness and Edie's post on More Forgiveness. I promise you'll be inspired and blessed!
For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories 
Sign up to host a free Tassimo House Party. If you’re selected as a host, you’ll receive a free gift package that contains the following: - TASSIMO T55 Home Brewing System
- GEVALIA Latte T DISCs
- Carte Noir Signature Roast Coffee T DISCs
- Tim Hortons Coffee T DISCs
- Brunch recipe booklet with exclusive offer inside for 40% off a T47 or T55 TASSIMO Home Brewing System
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Thanks, Freebies 4 Mom! For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories | | |
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