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5 Ways to Save on an Amazon Prime Membership

December 21, 2020 By MelissaB 1 Comment

save on an Amazon Prime membership

An Amazon Prime membership offers a number of perks such as free Amazon shipping, free movies and music, a discount at Whole Foods, and many more.  However, some people balk  at the $119 annual membership fee, which is understandable.  If you’d like to have an Amazon Prime membership but want to save money, there are a number of possibilities.

Split an Amazon Prime Membership

If there’s another adult family member that you’d like to split Amazon Prime with, you can.  And no, this isn’t like sneaking another family member into a hotel without telling the hotel staff.  Amazon has a whole page dedicated to how to split a membership, which they call Amazon Household.

how to s

Say your mother-in-law lives with you.  You’ll share a membership, each putting in a payment method to pay your portion, and you will have separate accounts.  If you can do this, you’ll automatically pay just half–$59.50 instead of the full price of $119.

Get a Student Discount

If you’re a college student with an .edu email address, you can get a discounted Amazon Prime membership by signing up for an Amazon Prime Student account.  The first 6 months are free, and then you’re charged $6.49 per month (equaling $79 per year, a $40 a year savings from traditional Prime)

EBT & Medicaid Discount

If you receive EBT benefits or Medicaid, you’re eligible for a special Amazon Prime membership for just $5.99/month.  You’ll need to verify that you actually receive benefits, and every 12 months, you’ll need to verify that you’re still eligible for this type of membership.  You are allowed this special rate for 48 months.

Credit Card with Prime as a Perk

save on Amazon Prime membership

Some credit cards offer an Amazon Prime membership, or a discount on the membership, as a perk.  For instance, the Uber Visa Card by Barclay offers $50 off an Amazon Prime membership after you spend $5,000 on the card each year.  This will take the Prime membership down to $69.

Likewise, the Amazon Business Prime American Express Card offers a $125 Amazon.com gift card when you’re approved for the card.

Amazon Prime Discount

Amazon Prime rarely offers discounts, but once a year, you can usually find them.  They may offer the deal in July during Amazon Prime Day, or when they have new shows to debut, or their shows, like Mozart in the Jungle, win awards.  You’ll just need to keep a close eye on Amazon to snag the discount when it’s available.

If none of these discounts applies to you or you just don’t want to spend the money, keep in mind, you’ll get free shipping from Amazon if your order is over $25, and you can always get a 30-day free trial membership should you want to binge watch a show or order a number of items, say around Christmas time.

Do you currently have an Amazon Prime membership?  If so, do you use one of the above strategies or another one to avoid paying full price?  Do you think Amazon Prime is worth paying the full price?

Read More

Is It Worth Paying for an Amazon Prime Membership?

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Free Alternatives to Things You Currently Pay For

 

Filed Under: Frugality, Saving Tagged With: amazon, Amazon Prime membership, discounts, subscriptions

Should You Give Financial Support to In-Laws?

December 7, 2020 By MelissaB Leave a Comment

Financial Support to In-Laws

Watching a loved one struggle financially can be painful.  If you have the money, you may want to step in and give them financial assistance.  However, before doing that, carefully consider.  As Dave Ramsey is fond of saying, “The borrower is slave to the lender.”  The last thing you want to do is have a family member see you as a master.  Nothing ruins relationships faster.  The situation gets even more complicated when you consider giving financial support to in-laws.

Reasons Not to Give Financial Support to In-Laws

There are two main reasons why you should decline giving financial support to in-laws.

Can Affect the Parent-Child Relationship

As mentioned above, one family member giving money to another family member, especially in the form of a loan, more often than not puts strain on the relationship.  That strain gets stronger when a child gives money to a parent.  There’s something about the imbalance of the child being in a better position than the parent that causes strain and embarrassment to both parties.

As much as you may want to help your parents or in-laws, doing so may not be worth the risk you’re taking to the quality of your relationship.

Can Affect the Spousal Relationship

When you’re married and discussing giving financial support to in-laws or your own parents, you’re adding another layer of complexity.  The last thing you want is to give money to your parents only to find out that your spouse resents giving money to her in-laws.  She may feel that the money you’re giving to your parents could be better used for your own family or your children.  This feeling is likely to fester if you’re routinely giving financial support to in-laws.

Remember, money issues are the leading cause of divorce.  If you feel lending your in-laws or parents money will cause financial strain, look at other options.  Try to find other ways to help your parents get back on their feet without risking both the parent-child relationship and the spousal relationship.  After all, if you end up divorcing over this type of issue, you’ll be even less likely to be able to help your parents after an expensive divorce.

Give a Gift Instead

Financial Support for In-Laws
Photo by Esther Ann on Unsplash

If you are financially secure and your spouse is onboard with the plan, why not consider giving your in laws a financial gift?  If your in-laws fall on hard times because of job loss or a health issues, give them a set sum once rather than letting them borrow the money.

However, I would caution against regularly giving them money.  Most people fall on hard times at least once in their lives.  However, if your in-laws regularly request money, likely something in their financial lifestyle needs to be adjusted so that they can be self-sufficient.

Final Thoughts

Giving financial support to in-laws is a risky proposition and not recommended to maintain healthy relationships.  However, if your in-laws fall on hard times, you might instead consider giving them a one-time gift.

Read More

How to Handle Financially Toxic Parents

How to Save More Money Every Month

The Best Spacing of Children for Your Finances

Filed Under: Giving, Married Money Tagged With: divorce, family, family finances, family relationships, Giving

Cheap Foods to Buy When Broke

November 30, 2020 By MelissaB Leave a Comment

Cheap Foods to Buy When Broke

Whether it’s nearly the end of the month and you’re out of cash, or you’ve just lost your job or you had a large expense this month, we all have times when we have to nourish our bodies for as little money as possible.  Luckily, there are many cheap foods to buy when you’re broke that are also nutrient power houses.

Cheap Foods to Buy When Broke

To get the most nutrition from limited money, you’ll want to first focus on fruits and vegetables.

Vegetables

There are many basic vegetables to choose from:

Carrots

Carrots are so versatile!  You can eat them raw or use them in soups and stir frys.

Cabbage

One head of cabbage can stretch, and stretch, and stretch and be used many ways.  Just recently, our family of five had a head of cabbage to use.  The first night, we made cabbage beef soup; it fed us all, plus there were leftovers.  The second night, we had skillet kielbasa and cabbage, and again, there were leftovers.

You’ll find plenty of recipes for cabbage.  Consider looking for recipes from other countries, too, as cabbage is a staple in the cuisine of many countries.

Fruits

While fruits like grapes, blueberries, and strawberries are delicious, they’re not affordable when they’re not in season.  Instead, focus on fruits that are affordable in any season.

Bananas

Bananas are quite filling and cheap.  You can eat them plain, or blend them up and use them as mock ice cream.

Apples

Cheap Foods to Buy When Broke
Photo by Sarah Gualtieri on Unsplash

Apples are in season for quite a long time and can often be found for less than $1 a pound.  I like these because of their nutritional value and because they can be eaten as a fruit, or used in a meal, or baked for a dessert.

Starches

When you’re on a budget, you need foods that are filling.  After fruits and vegetables, your next priority should be starches.

Potatoes

Potatoes are almost always a reasonably priced food.  Add them to meals to bulk up the content.  (One of our favorite breakfasts is diced, cooked potatoes mixed with a little cheese and scrambled eggs.)

Oatmeal

Oatmeal makes a great, filling breakfast for just pennies.  Stir in some protein powder or jam for a little extra flavor.

Oatmeal can also be used in muffins and ground up in a food processor and used as a substitute or supplement to flour in baked goods.

Flour

The price of flour can’t be beat per pound.  Use it to make homemade breads, rolls, desserts, etc.  You can also use flour as a thickener to homemade sauces and gravies.

Rice

Rice is also versatile and can be used for a side dish, dessert, or breakfast.  When rice is combined with beans, it is the ultimate frugal meal.

Protein

Protein will help satiate you longer, stretching the length of time you feel full, so hopefully you’ll need fewer in between snacks.

Dry Beans

A pound of dry beans costs between $1 and $2 per pound and can likely be used for several meals.  Use beans in soups, casseroles, and dips like hummus.  You can even use beans in desserts like black bean brownies.  (Don’t knock it if you haven’t tried it.  They’re delicious!)

Chicken

Chicken is a great animal protein that can be frugal if you buy it on sale or on the bone.  We usually try to use our animal protein as a supplement to a meal, not the main focus of the meal.  Try dishes like fried rice with some shredded chicken or chicken pot pie to complement all of the vegetables in the meal.

Don’t forget to take the bones and turn them into a homemade broth to use for future meals.  (We freeze our broth in ice cube trays for future use.)

Final Thoughts

If you’re on a tight grocery budget, remember that if you choose the most frugal food options, you can still eat healthy, nutritious, and filling foods.

Read More

Save on Groceries by Limiting Junk Food

5 Strategies to Make Food at Home If You Hate Cooking

Save Money on the Grocery Budget by Reducing Food Waste

What Is The Cost Of Franchising A Chick-Fil-A Restaurant?

Filed Under: budget, Frugality, Saving Tagged With: frugal food, frugal groceries, frugal kitchen, frugal produce, groceries, grocery budget, grocery shopping

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