Very Strawberry Cupcakes Recipe

Very Strawberry Cupcakes

Even though I am very committed to a healthy eating lifestyle, we still have cheat days. On those days, I choose my very favorite sweet treat and enjoy every single last bite. In the summertime, I especially love anything with strawberries. These Very Strawberry Cupcakes are the perfect treat for a cheat day sweet! They reminds me so much of my grandmother’s 6 layer Strawberry Cake, but it’s much easier to make!  [Read more...]

5 Healthy Squash and Zucchini Recipes

squash and zucchini recipes

This time of year squash and zucchini are typically bountiful especially if you happen to have your own garden. Just over the past year or so, I’ve fallen in love with squash and zucchini and add it to all kinds of recipes. If you are looking for clean eating recipes or low fat meal ideas, these recipes are fabulous. Here are 5 healthy squash and zucchini recipes [Read more...]

Homemade Whole Wheat Pancakes Recipe

Homemade Whole Wheat Pancakes on time2saveworkshops.com

Homemade Whole Wheat Pancakes

Kasey here, as my family continues our quest to eat healthier I am always looking for new recipes. Since we are staying away from boxed processed foods as much as possible, I have prepared many of our favorite meals from scratch. I’ve been looking for a good homemade whole wheat pancake recipe but have had a hard time finding one that sounded good.  As I was perusing recipes online this morning, I found one that looked delicious and I just so happened to have all the ingredients on hand. I modified the original recipe a bit and can’t wait to share my version with you.

My kiddos have raved about these pancakes all day long! They said they were the absolute best they have ever had. Although I still think that it’s hard to beat Cracker Barrel’s pancakes, these turned out delicious! [Read more...]

How to Shop Around for Car & Home Insurance

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There are many ways to save money besides using coupons. I understand that for some, couponing can be overwhelming or feel like a waste of time. Also, depending on what season of life you are in it may not be feasible. I have been looking at ways to cut overall unnecessary monthly spending.  At this point reducing our cable bill really isn’t an option because my husband basically only watches sports.  What next? As I took inventory of our monthly expenses I noticed that our car and home insurance took a large part of our monthly budget. It had been a long time since we had shopped around, so I was ready for the challenge. As a mortgage broker, my husband is constantly helping his customers shop around for the best insurance rates. He talked to several of his friends in the insurance business to help me develop a list of questions to ask when shopping around for the best rates. Keep in mind when shopping for home and auto insurance cheaper isn’t always better. Most importantly, you want to be adequately covered in the event of an accident. I have included several questions and key areas of consideration to keep in mind when shopping around.

General Questions:

  1. Do you offer a discounted “bundled” insurance or multi policy discount? Most insurance companies will offer a discount when you bundle both your auto and home insurance together.
  2. Annual or Monthly rates – Depending on what you prefer make sure you are comparing apples to apples when shopping around.
  3. Can you quote several different deductible options? Oftentimes the higher the deductible the lower the amount of monthly premium. Depending on your current financial situation most people save money by opting for a higher deductible.
  4. Do you offer a discount if I have remained claim free for an extended amount of time?
  5. Do you offer discounts for seniors (if applicable)?
  6. Do you offer a 24 hour claims service?

Car Insurance:

  1. Information to have handy – current policy, drivers license, and vehicle registration number.
  2. Liability Limits – Find out what your state minimum liability limit is and consider if it would be enough to cover an accident. Your insurance company isn’t liable to provide coverage outside of your liability limits. Therefore, if you are in an accident that you are at fault you could be sued for the remaining amount.
  3. Consider your driving habits – Do you have a history of car accidents, or a long commute? My husband used to be on the road all day driving from appointment to appointment, now he works at his office which is less than a mile from home. When he reduced his commute our payment decreased.
  4. Does your coverage include other people driving my car?
  5. Does your coverage include uninsured motorist and underinsured?
  6. How is personal property value calculated in relation to my policy?
  7. Does the policy coverage include comprehensive damage (damage as a result of a non car crash).
  8. Determine if it’s important to you if in the event of an accident that your insurance coverage uses original manufacturer parts. Depending on the model and age of your car, this could be an issue. Many policies cover aftermarket parts to keep costs down. My car is 11 years old so personally this is not an issue for us, however when our car was brand new we felt otherwise.

Home Insurance:

  1. Does coverage include actual cash value or replacement cost?
  2. Please explain the coverage on wind and hail. (After 2012 tornadoes in Tennessee some insurance companies implemented coverage limitations on wind and hail. Even if you don’t live in Tennessee make sure to have the agent clarify coverage.)
  3. Some insurance companies offer discounts for dead bolts, smoke/fire alarms, and home security systems, don’t forget to ask.
  4. Renovations – if you have recently completed renovations on your home that increase it’s worth make sure that you are covered for improvements.
  5. What level of ALE (additional living expenses) does the policy you are quoting cover? In the event that you cannot live in your home due to an insured event or disaster it’s important to understand what and how much your policy covers in regards to ALE.
  6. Does this policy cover flood/hurricane/tornado damage?
  7. Does the policy cover home and land? Even after a disaster or accident the land your home is on will be there and doesn’t necessarily need to be covered.
  8. Are my personal possessions covered (jewelry, electronics, lawn equipment, etc)?

If you are in the market to purchase a new home or refinance your primary residence or investment property and live in TN or Georgia, make sure to give my husband, Gary Trenum, a call. He works for a local mortgage company and understands the importance of saving you money. He can be reached at 423-284-4082 or www.garytrenum.com.

Rosemary Chicken and Veggies in Mustard Sauce Recipe

Rosemary Chicken in Mustard Sauce

I love easy recipes! Especially those that I can throw in one pan together and bake so I can focus on other tasks at hand. This recipe for Rosemary Chicken and Veggies in Mustard Sauce turned out amazing!! I used all fresh veggies including carrots, onions, red potatoes, and green beans. You could use any kind of chicken you want, however my kids requested legs (which I hate) so I bought a whole cut up chicken. Serve with a simple green salad for a healthy easy dinner.

This recipe is AdvoCare 24-Day Challenge friendly.
[Read more...]

Free Back to School Printable Shopping List

 

FREE Back to School Printable Shopping List

Back to school shopping can be completely overwhelming (especially if you have multiple kids with different supply lists).  Besides keeping up with how many of which things to buy – you also want to make sure you’re getting the best deal out there.  This FREE Back to School Printable Shopping List makes it super easy to keep track of what to buy and where the best deal is!

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Just print out your list – then check out our Back to School Deals section to see what school supplies are on sale each week.

Simply click the underlined link below to print the Back to School Printable List PDF. 

Back to School Printable Shopping List

 

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And get some killer tips on how to save 50% off your school shopping by following the tips in our post 6 Tips for Back to School Shopping!