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Spring into Savings This April at Your Military Commissary

04/01/2015 By Michelle Volkmann

I’m a foodie. I’m a local food foodie. When my family moves to a new duty station before I ask for recommendations for a hair stylist or a dentist, I always ask my new neighbors for their lists of favorite local restaurants. Local restaurants are the key for this military spouse foodie. That’s how this Iowa girl fell in love with breakfast burritos in Arizona, udon noodles in Okinawa and grits in Mississippi.

But there’s a problem with all these local eating. The PCS.

Moving means that I find myself craving grits when I’m in California and ramen when I’m in Texas. As a solution-oriented military spouse, I’ve taken these cravings and the international food aisle at the commissary and used it as an opportunity to learn to make “local” food no matter where the Navy sends us.

Tex-Mex cuisine is one of my favorite “local” foods to make at home. Actually it’s a staple in our house and we have more than Taco Tuesdays. It’s Taco Tuesdays, Fajita Fridays, Tortilla Soup Sundays and Breakfast Burrito Wednesdays.

Luckily for me, all my favorite Tex-Mex ingredients are on sale this April at the military commissary.

Starting April 16, a 16-ounce jar of Old El Paso Think ‘n Chunky Salsa, mild or medium, is on sale for $0.99. Even if you don’t use it for a build-your-build-taco night, you can always stock up on salsa and be ready for those last-minute potlucks. Chips and salsa are my go-to potluck contribution at FRG meetings when I’m too busy to bake a dessert.

Here’s what other Old El Paso products are PowerBuys in April:

Taco Seasoning, Gucamole seasoning and Fajita seasoning mix packets, $0.45
Taco shells, $0.99
Chopped or whole green chiles, $0.75
Refined beans, traditional, fat-free and vegetarian, $0.75
Soft taco, beef carne asada and chipotle chicken dinner kits, $2.00

Once you feed your family, don’t forget to feed your furry family members. Several Purina products are on sale for the entire month of April.

Cat owners can buy 3-ounce Fancy Feast cat food cans for $0.53 each. Tidy Cats cat litter, 24/7 performance and instant action, is also on sale. You can buy two 14-pound cat litter containers for $8. Purina One Smartblend cat food is on sale for $9.99.

Don’t forget to pair these great discounts with coupons from coupons.com.

Purina Pro Plan Savor dog food is also on sale. The price is $20.99 for the entire month of April. Alpo Wholesome Biscuits dog treats are on sale for $2.07, so treat your pet with this great deal.

Finally, as a mother, I prefer to buy detergent that is recommended by dermatologists. That’s the reason I use all® Free Clear detergent to wash our clothes. All all® detergent, dryer sheets and fabric softener are on sale during April at your commissary.

Don’t forget to sign up for the MilitaryShoppers newsletter to get the monthly commissary specials delivered directly to your inbox!

How to Work Out Without a Gym Membership

02/23/2015 By Julie Provost

I recently joined a gym but it was the first time I have been in a place where I could do so. Up until now I have had to find ways to workout from home with my kids around. This was no easy task.

Whether it was because of where we lived, lack of childcare options with a deployed husband or lack of extra funds to pay for a gym membership, I had to figure out ways to do so on my own. I couldn’t rely on going to a gym a few times a week.

The first thing I did was invest in a few workout videos. I knew I could do these at home and work around my kid’s schedule. I found that once I got into a good habit of watching them I started to see success. There are a lot of different choices on videos and programs you can get for home.

You don’t have to always buy them either. A lot of libraries offer copies and some can even be found on Netflix. You might want to try a few different types of videos before you decide on one that really works for you.

Another way I was able to workout with kids around was by using my stroller. My older two boys are just over 2 years apart so when they were little I used a double stroller. I tried to take them out everyday for at least a half an hour but sometimes a lot longer than that. I found it easy for me to put them in the stroller and go, no matter what was going on. I could do it whether my husband was home or overseas and it didn’t depend on him, which was nice.

I have recently heard about a great program called Stroller Warriors. You can find this program at many different military bases. They host weekday morning runs as well as other physical activities you can take part in. You can always bring your children which is the best part. You don’t have to worry about childcare or what you will do with them when you are working out. Besides group exercise like this is also a great way to make some new friends. Both for you and your children. It is always nice to be able to make mom friends doing something that you enjoy. Stroller Warriors also does a lot of outreach and fundraising which is a great way to give back to your community. You can view a list of their chapters on their website.

When you first become a mom it can seem very overwhelming to try to balance the needs of your baby with your own needs. After a few weeks, most moms feel like they should get back to a workout schedule but it might be a bit of a challenge to do so.

My best advice would be to see what you have available to you and go from there. Most people have a living room or other area that they can work out in. Come up with a good schedule, find a workout buddy and get back to working out on a regular basis. You will be glad that you did.

What are your cost-saving exercise tips? Share them in the comments section.

Take the Savings Pledge And Promote Military Savings

02/20/2015 By Kimber Green

Military Saves Week 2015 is February 23-28 and is a great time to assess your military savings plan. This is a weeklong initiative of the DoD’s Financial Readiness Campaign to promote military savings within the military community with thousands of businesses participating. Events are being held on military installations around the world during this time to help service members set a goal, make a plan and save automatically. Installations, organizations and businesses will be promoting positive military savings and offering opportunities to learn how to save and build wealth, not debt.

The campaign aims to motivate service members to save a portion of each paycheck, develop a personal financial plan, establish good credit and enroll in programs such as: Thrift Savings Plan, Savings Deposit Program and Group Life Insurance to encourage military savings. Banks, credit unions and financial services organizations are all participating by offering special deals and information sessions during this time to help educate the community about the importance of military savings.

Take the Savings Pledge During Military Saves Week

Military Saves slogan is “Start Small, Think Big.”

Many military installations will be offering workshops and seminars. If you’re stationed at Darby Military Community, Italy, you could learn about military savings while shopping. “Take an adventure in learning basic thrift and savings skills while shopping. The outing includes trips to several consignment and second-hand stores in Livorno and Stagno.” Yep, you win.

Whether you go on an awesome outing in Italy, sit in on a financial savings seminar in Jacksonville or simply scroll through militarysaves.org, you’ll be taking a step in the right direction of moving toward better savings.

So how do you actually save money?

It all starts with making a plan and a commitment to stick to it. You don’t have to be tough on yourself and pinch pennies; make a savings plan that is easy to follow and realistic. It’s easier to have short goals, such as saving $10 a week, rather than telling yourself you need $500 by the end of the year for an emergency fund. This is exactly what I thought of when I read their slogan: Start Small, Think Big. Not only is it catchy, but it’s a great way to look at savings. Many people become intimidated by the big picture and don’t know how or where to start.

You could begin by visiting their website. It offers tips and strategies for saving, lists events hosted on each base and has a long list of resources. Then sit down with your spouse and discuss what your savings goals should be and if you would like to attend an event or make an appointment to speak with a financial counselor. Each step you take strengthens your financial future and having healthy finances and an open line of communication are key to reaching that goal.

Related: 3 Easy Ways to Spend Less Money in 2015

Include children in this week’s activities as well. Military Youth Saves is a program designed to motivate children and teenagers to develop good savings habits early. It teaches them to create their own savings plan and to save a little bit of money each month to reach a goal. This is a great time to start a piggy bank or open a savings account for your child.

Don’t pinch pennies; pick up loose change! It really adds up.

Be a good role model. Whether you know it or not, your children are watching and learning from what you do. If you drop your loose change in the piggy bank by the door, sooner or later they’ll start snatching up loose coins too and putting them in their piggy banks. Show them that saving money for the future is important.

If you’re on a tight budget, you might think it’s hard to start a military savings plan, but it is possible. Military Saves Week can give you the tools you need to make it happen. It’s up to you to take advantage of them. Take the Savers Pledge and start saving today.

Military Saves Week activities teach service members and their families to build wealth, not debt.

What events are going on at your installation for Military Savings Week? Have you taken the Savers Pledge? Tell us in the comments section.

9 Low-Cost Date Night Activities to Ignite Your Love

02/16/2015 By Rachel Tringali Marston

One of the best pieces of advice my parents gave me when I started my marriage is to not sacrifice date night. They’ve been going out at least once a week for as long as I could remember! Now after 30+ years of marriage and a 20+ year military career, they still enjoy the time spent out exploring something new or visiting a familiar place.

Especially with unexpected separations that military couples endure, it’s important to set aside time dedicated to strengthening your relationship. Date night is a great way to rekindle your love and to continue learning from each other. So, taking my parent’s advice to heart, my husband and I are constantly looking for ways to keep the flame alive.

Another important piece of advice, date night doesn’t have to break the bank. My parents love to utilize dining deals from local restaurants (i.e., 2 for 1 pasta dishes or 2 taco dinners for $20). Check out your local eateries to see if anything like that is possible.

Aside from going out to dinner, I wanted to share with you 9 fun and (possibly) romantic date night activities that are easy on your wallet that my husband and I regularly practice.

Cook dinner together: We’ve found this to be our go-to activity because we love the end result! It’s fun to pick a recipe and work together to create a delicious meal. Yum!
Go to the movies: Check out your installation’s MWR for ticket vouchers and/or movie theaters to see if a movie that you’re interested in watching is playing. My husband and I have seen several movies on-post already and utilize the vouchers given out by our MWR. Also, big theater companies like AMC and Cinemark offer discounted rates for military. Call your nearby movie theater to see if they offer a military discount.
Walk in a park: Early in our relationship, my husband and I took a lot of walks on the trails on and around Fort Drum. It was an opportunity for us to talk and soak in the beautiful sights– for free!
Play a game: One evening my husband and I were completely stumped on what to do. Then, he suggested playing cards. We spent the evening teaching each other the card games we knew. That motivated us to purchase other board games like Scrabble and Monopoly to play on other evenings (they are under $20 on Amazon.com). A little competition doesn’t hurt in a marriage.
Shop at a flea market or thrift store: To be honest, I might enjoy this activity more than my husband, but we both like the idea of finding unique items together. Since we’re still on the lookout for items to fill our home, this is a great way to find a bargain too.
Visit the library: Sharing quiet moments together can also be powerful. Swing by your local library to pick out your next read and if it happens to be close to closing time, head to a coffee shop to continue your reading with a coffee or tea.
Start an ongoing project: It’s going to sound silly when I say this out loud, but my husband and I build with Legos. We strategize and come up with ways to put together different structures. There are so many other things that you and your loved one can do. It can be an art project or maybe a home improvement venture. Whatever it is, it’s a great way for you and your spouse to work as a team.
Learn something new together: This should be anything like going to a museum (which many have discounted military rates) or attend an evening class at a community center. My husband and I enjoy learning from our experiences together.
Buy tickets on special military discount sites: For the nights that you want to splurge a little bit, check out GovX, Veteran Tickets or your local USO for discounted tickets to performances in your area.

What’s your go-to activity for a romantic and easy date night? Share your ideas in the comments section.

January’s Commissary Specials Caused Me to Do a Double Take

01/02/2015 By Michelle Volkmann

I experienced sticker shock in my hometown grocery store last week. Like many military families, I spent the holiday season with my parents in the Midwest. Now places like South Dakota and Nebraska tend to be known for low-cost living. But when my mom asked me to pick up a few essential items (milk, eggs, bread, sugar, graham crackers) on my way to her house, I was stunned by the prices.

My brain worked through a series of thoughts. First there was confusion. This price can’t be right, can it? It must be an error. Followed closely by flabbergasted. Is this some kind of holiday price increase? My mom said “Nope.” And finally I felt grateful. I found myself in the cracker aisle of a locally owned grocery store in my hometown thanking Uncle Sam for our military commissaries.

This month’s commissary specials offer a mix of party food for the big game along with pantry staples that fit with my New Year’s resolution to spend less and save more money in 2015.

Muir Glen organic fire roasted diced tomatoes, the main ingredient in my football playoff chili, are on sale this month. A 14.5-ounce can is only $1.00. One buck. That price made me do a double-take. That’s dirt cheap. That’s cheaper than if I grew my OWN organic tomatoes and canned them at the end of the season. You can guarantee I’ll be stocking up on the Muir Glen diced tomatoes. My family will be eating Spicy Cajun Gumbo on Mardi Gras and Tortilla Taco Meatball Soup for easy, breezy Sunday night dinners.

Winter is the best time of year for soup. Whether you like the Campbell’s Homestyle Healthy Soup (Italian-style wedding or chicken with whole grain pasta) or Campbell’s Chunky Soup (sausage gumbo is my favorite), you can have your pick. Both are on sale this month at the commissary. Serving soup for lunch or dinner is an affordable way to warm up during January.

What to know what other commissary specials made me do a double-take?

Old El Paso refried beans, $.75. Save an additional $.30 with this coupon.
Green Giant Nibblers 6 mini ears of corn on the cob, $1.50
Totino Party Pepperoni Pizza, $.89
Pace Chunky Salsa, 2 for $3
V8 Vegetable Juice, Healthy Greens, $2.98 Pair that sale price with this $1.00 coupon and they are practically giving the V8 Carrot Mango to you.

In case you were wondering, Pace Chunky Salsa is another ingredient in my football chili.

Are you a fan of Frito-Lay chips? Lay’s Classic Potato Chips ($2.00), Ruffles, original or Cheddar and Sour Cream ($2.09) and Tostitos Scoops ($2.50) along with Doritos ($2.50) are all on sale this month. Don’t forget to stock up on chips for the big game. It’s the ultimatum game day snack. But please, don’t crunch during the commercials.

Pair it with Tostitos Queso Dip, on sale for $2.50, and you’ll be doing a happy dance when you walk out of the commissary. Save more, spend less and do more double-takes with this month’s sale specials at your military commissary.

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5 Tips for Saving Money During a Deployment

11/21/2014 By Rachel Tringali Marston

Deployments are never fun. Whether it’s your first or fifth, it doesn’t get any easier. One thing is for sure, deployments can offer families some relief by giving us the opportunity to save money.

Is your service member is deployed? Here are the top 5 tips to save money while your loved one is away.

Know the Servicemembers Civil Relief Act. This is an important one and it should be on your radar before a deployment arises. There are some critical benefits that help military families during a deployment (and in general), thanks to this special piece of legislation. By utilizing the Servicemembers Civil Relief Act, families can break leases that could potentially help with moving to areas that have lower cost of living as well as saving renters for their traditional Permanent Change of Station (PCS). Military members are able to cap their interest rates on loans (mortgage rates and credit cards). Most importantly, military members can cancel or freeze accounts due to a deployment. For instance, my husband’s cell phone bill is about $100 a month stateside. Because he had orders taking him overseas, he cancelled his service that subsequently saved us $1,200 for the year. The same applies for auto insurance or any other account that may have a subscription. They are not going to need those accounts while downrange.
Put Deployment Pay in a Savings Account. Depending on the type of deployment, TDY, unaccompanied tour, etc., your military member is given additional pay. Only 14 days into our marriage, my husband left for an unaccompanied tour to a location that gave him Hardship Duty Pay (HDP). Because I stayed behind, we were given Family Separation Allowance (FSA) as well. I encourage military spouses to understand as much as they can the different military financial terms to help prepare for any situation. We got married while my husband was still living in the barracks and I with roommates, which meant we didn’t have any practical household items like a sofa or kitchen goods. It was really important for us to save, save, save! We put ALL the additional money into a savings account to gain interest for the year he was away along with building a reasonable amount of money to help us get started in what I call the “real start to our marriage.”
Unplug Unused Items in Your Home. My husband has a whole side of the room that is plugged with his electronics. Not to mention, he has an Xbox, Playstation that he keeps in the living room. Unplug everything, especially if you don’t use it because it still uses a bit electricity. Every voltage counts in your bill and that could save you dollars that add up in the long run.
Establish a Tight Budget. Honestly, this is a difficult task, even for me, but it’s a tip that can seriously help with long term planning. I immediately went into a budget funk when my husband left for the very first time and began coping with retail therapy. Let’s be honest, a separation messes with your mindset a bit and it goes for both parties involved. After a month of spending anarchy, I snapped back and realized that I had some craziness coming (aka our PCS). Spend some time to crunch numbers and establish a strict budget. Aside from the deployment pay that’s going into a savings account, what else could you put into savings? What is the figure you have left after bills? There are lots of great resources out there to help military families budget. MilitaryOneSource offers a wealth of information and financial counselors to help you get on the right track. I entered everything into a Google Document and shared the file privately with my husband, so he was able to see how things were going when he got the opportunity to go online. Since then, my husband and I powwow before a departure to make sure we are on the same page. Keep the line of communication open when it comes to budget.
Meal Plan. A relatively mundane tip from the rest, but still important. In my opinion, meal planning doesn’t get enough attention about how it can really save you money. Confession: I was guilty of eating out or ordering in a lot when I was alone. Why meal plan when it’s only yourself feed? Answer: it adds up. On average, a meal out would be around $10 (give or take) with 5 days of purchasing, that would be $50 a week! If you have children, the figure just goes up. I’m not saying to completely nix eating out, just to moderate spending (we all need a little time out). Instead of spending $50 for one meal a day for a week, I use that figure to feed myself all three meals for a week. Use your strict budget to set-up a special allowance that goes to your food. Take some time to map out your meals for the week. That helps with keeping yourself in check with your planning.

How much money have you saved during a deployment? How did you do it? Share your tips.

Reduce the Festive Debt: 6 Ways to Not Overspend During the Holidays

10/27/2014 By Julie Provost

The holiday shopping season is here! Whether we like it or not, military families need to start thinking about the holidays. This time of year can be really stressful for people, especially if you are on a tight budget. So what can you do about it?

6 Ways to Avoid Overspending During the Holiday Season

Write out your budget and stick to it. I do this ever year. I write out everything we need to purchase from what we will eat on Christmas Day to the teacher’s gifts. On this list, I write down a spending limit on each gift for everyone. Then, when it is time to go shopping, I know what my budget is. The amount you spend on each member of your family will be different for everyone depending on your income and budget.
Share a meal with friends. When you are a military family it might not be feasible to spend the holidays with extended family. Instead of having a meal for just your family, why not get together with others to make a meal together? You won’t have to buy every single ingredient and you will be able to save a little money that way. It is also nice to spend time with friends if you can’t be with your family during the holidays.
Shop the sales. When it comes to buying presents for my kids I am all about the sales. I start checking them early. I want to be able to find the things I want for a discounted rate. I can save a lot of money this way, it just takes some time to figure out which stores have what toys on sale and when they are offering their discounts. You might also consider layaway. This is when you save an item at the store and pay a little bit on it each time you go in. You can take it home when you have paid for it in full. This might be a much better option than putting something on a credit card and trying to pay it off after Christmas. Check if your favorite stores offer this plan.
Make homemade gifts. You can bake some yummy goodies and give those out at gifts too. It is really cost-effective to do this and can be a lot of fun. Most people really enjoy baked goods around this time of year so you can’t go wrong there. If you don’t like to bake but are crafty, there are a lot of different things you can make as gifts. Take a look at the MilitaryShoppers Pinterest boards for ideas.
Stay home. For the past several years we have not gone anywhere for the holidays. The price of airfare is way too high. It would really blow our budget. We have been able to have a nice family Christmas in our own home and it has been great. Our kids wake up in their own home and we don’t have to go anywhere all day long. This isn’t always an option for everyone but there is something nice about a simple Christmas at home and it will save you a lot of money in travel expenses.
Pick a name. My family is quite small so we don’t do this but I think it would be a good idea for large families. Out of all the adults in the family, you buy a present for 1 person. You get assigned a name and you buy for that 1 person. It can be a fun way of giving for Christmas without having to buy something for every single person in your family.

The holidays can be a stressful time but they don’t have to be. Try some of these tips to keep your budget under control during this time of year. You will be thankful you did when the credit card statements arrive in January.

What are your tips for reducing debt and spending less during the holiday season?

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