Family Finance: Why Amazon Prime?

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Hello friends. It’s me again, here with your second dose of family finance for the new year. In the first post, I covered the very basics of budgeting and how to go about calculating a realistic budget based on your expenses. In the next few posts, I  will be discussing how we save money shopping by using subscription services like Amazon Prime and Costco’s Executive Membership. Today’s post will be specifically about Amazon Prime, a service that we have used for years and are well acquainted with. I am aware that there are pros and cons to each service that we recommend and I will try my best to address these today and in the upcoming posts.

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What is Amazon Prime in a nutshell?
Amazon Prime is an online shopping subscription service for $99/year that gives you access to 2-day delivery guarantee on Prime items. On top of the free 2-day delivery (nothing is free, I am sure the accountants have it all calculated in your prime pricing) it also gives you access to Amazon Photo, Amazon Video, Twitch and other Amazon owned subsidiary services. What Amazon does is that it spares you (both time and money) from having to hop in your car and drive to a number of different stores to purchase the goods that you need; everything from clothing to food to office supplies to home tools and appliances. You name it and it’s most likely on Amazon.

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Although we don’t have Amazon Fresh where we live in Michigan, I am hopeful that with their acquisition of Whole Foods it will soon become a reality. Amazon Fresh is a service that has a contractor buy groceries per your request and deliver it straight to your door in a matter of hours. Yes, we are moving towards the future we saw in WALL-E (if you haven’t seen WALL-E, do me a favor and watch it. It’s one of Pixar’s masterpieces). My wife is adamant that even with Amazon Fresh she will still prefer going to the local grocer or farmer’s market, I guess we will just have to see about that. Until we get Amazon Fresh, we are currently making the most of the Subscribe & Save feature of our membership.

Subscribe & Save
As homeowners and parents, we take advantage of Amazon’s Subscribe and Save feature to receive items that we use regularly at home on a monthly basis at a discounted rate. The way it works is that there are items on Amazon you can subscribe to (these could be anything from cleaning products to personal care products to snacks). If you subscribe to less than 5 items you get 5% off the price of those items at checkout and if you subscribe to 5 or more items, you get 15-20% off those items.

Screen Shot 2018-01-28 at 6.57.17 AMAlthough you only get one subscription box a month, you have the option of changing the delivery date and the contents of your box to fit your needs. On top of the discounts received, you can get an additional 5% off in the form of Amazon points to use towards future purchases if you pay with an Amazon Prime Rewards Visa Card. Below is an example of what our Subscribe & Save looks like. Notice how on the left there are 5 bars highlighted in orange. This means that since we have 5 or more items in our subscription box, we are eligible for the extra 15-20% off.

Screen Shot 2018-01-27 at 11.54.02 PMSample list:
Tom’s of Maine Toothpaste
Mrs. Meyers Hand Soap
ECOS Natural Dishwashing Liquid 
Peter Rabbit Organics Puree
Larabar Fruit and Nut Bar

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Amazon Prime Video
We don’t have cable because we don’t watch TV that often and we also HATE commercials with a passion. Amazon Video is a wonderful feature of our Amazon Prime membership (think like Netflix) with an extensive library that includes plenty of educational and family-friendly content for our Friday movie nights. If you decide on a Prime membership, Prime Video is automatically included but you can also sign up for Prime Video as a standalone service.

Screen Shot 2018-01-28 at 7.14.53 AM.pngAmazon Prime Pantry
The introduction of Prime Pantry allowed Amazon to expand its selection and offer thousands of items to Prime members that are cost prohibitive to ship for free individually. Since the items are smaller, individually shipping them isn’t an option, but if you fill a box worth of all your needs you can save substantially and also get Prime Pantry credit to use towards future Prime Pantry purchases. We don’t currently use this feature as we do most of our shopping at local grocery stores and Costco but it’s definitely something we are exploring because the pricing is competitive, it’s a real time saver once set up, and we can save an extra 5% by using our Amazon Prime Rewards credit card.

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Now you have an idea of what Amazon Prime is and how it works but the real question is: is it really worth it? What I have discussed up until this point, is just the surface of Amazon’s services. I haven’t even mentioned perks like your choice of a free kindle book every month or access to ad-free listening via Amazon Music or unlimited media storage through Amazon Photo. If I truly wanted to dissect each feature, this would turn into a VERY lengthy post so for the purposes of sticking to the topic, I will next address how a Prime membership can be an asset to managing your family’s finances and keeping to a budget.

Amazon Prime Memberships
In terms of types of Amazon Prime memberships, there are three different options: 1) Standard, 2) Family, and 3) Student. Below I’ve listed the three memberships along with links to their 30-day Free Trial if you’re interested in giving them a try. We currently have a standard membership but we suggest that if you’re a parent and you don’t cloth diaper that you sign up with Amazon Family as they offer discounts on many baby-related products including up to 20% off on  disposable diapers.

  1. Standard: Try Amazon Prime 30-Day Free Trial
  2. Family: Try Amazon Family 30-Day Free Trial 
  3. Student: Try Amazon Prime 50% Off For Students 

If you want to experience Amazon before diving into a membership or free trial and you’re either getting married or having a baby, I highly recommend you do your gift registry through Amazon. You get all the benefits of their customer service, everything delivered to your home,  and on top of it you get a coupon to purchase any remaining items off your list. If you have your baby registry with Amazon and you are a Prime member, however, you get additional perks including a $35 welcome box.

  1. Create a Amazon Wedding Registry
  2. Create a Amazon Baby Registry

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Why Amazon?
Okay, so Amazon Prime is awesome.  It saves you money by saving you time with its 2-day shipping, competitive pricing, and diverse selection of products. But you’re probably asking how does this translate in terms of numbers? To illustrate how the membership pays for itself, I’m going to share a few ways we save big using Amazon Prime.

Gifts.
Between holidays, birthdays, and just because, we do most of our gift shopping via Amazon Prime. I’m talking 50 gifts a year, at least (yeah, we are blessed with family and friends). If we were to pay 2-day shipping for even just 10 of those gifts, we would easily spend the $100 that our membership costs. Assuming shipping is around $10 (depending on box size and location this can vary from $7-$20+) on average (I just sent a small box to a city 30 minutes away and it was $8 for standard shipping), we save at least $400 a year not paying for shipping when we gift.

School books.
 If you’re a student like us, you know that the cost of books can add up FAST. Not only are Amazon’s book prices consistently low compared to other retailers but on shipping alone, we definitely save big with a Prime membership. Since we first started using Amazon we’ve had over 100 book orders, and while it would take entirely too much time to calculate how much we saved going with Amazon as opposed to our university’s Barnes and Nobles, we definitely saved at least $500 on just shipping alone. On top of that we were able to sell our books back via Amazon Marketplace for much more than we would have received from our university bookstore. The bottom line is if you’re a student then you should seriously consider getting Amazon Prime (the membership is only $50/year for students).

Household.
From dishwasher detergent to a router, we have saved a great deal over the years going with Amazon for our household needs. We have purchased a rug for the nursery, a projector for our home theater system, and even our bikes from Amazon. For all of these items we were able to do extensive comparisons of pricing, customer reviews, and warranties to ensure that we were getting the most bang for our buck. Just to give you an idea, one of the rugs we ordered was $100 more at places like Walmart  and Home Depot and the projector we purchased was $200 more at Best Buy.

Baby.
Amazon has a diverse selection of products that we would not have had access to if we went to our local baby stores, especially with our choice to cloth diaper. We were able to get a variety of quality cloth diapers for a fraction of the cost ($26 for 6 as opposed to $15-20 each) as well as significant discounts on products such as strollers, baby proofing essentials and bilingual toys and books.

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Is Amazon Prime guaranteed to save you money and lower your bills? Not necessarily  but it certainly can if you play your cards right. I like to think of Amazon as a tool or technology that can be used either for good or bad. Amazon Prime often gets a bad rap as an enabler of mismanagement because of its effortless accessibility and it’s not hard to see why. I do think, however, that if you have a busy lifestyle and if you spend regularly on some of the things I listed then you can definitely use Amazon Prime to your advantage when budgeting and saving money. If you took the steps I suggested in the first post to create a budget, the best way to know if Amazon is right for you is to do some research on your expenses and determine whether you can cut costs with a Prime membership. In the next post we will introduce the other players that compete with Amazon and why we use a combination of services instead of solely using Amazon Prime.

If you found this post helpful, we would appreciate it if you like and share it.  If you  are an Amazon Prime member and have something to add to the conversation or you’re considering Prime and have more specific questions about their services and pricing, feel free to comment/ask below. We always love hearing from our readers 🙂 And as always… signature3

 

 

Ashta-Inspired Overnight Oatmeal with Orange Blossom and Rose Water

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My son, who will be turning three later this summer, recently started this weird picky eating phase some time in November. Where before he would eat EVERYTHING, he is now much more cautious and often downright rejective. One thing he has not lost, however, is his love for oats. Hot oatmeal, granola, overnight oatmeal, muesli….anything with oats (even with nuts and dried fruit), he will eat. For the sake of variety, I’ve been experimenting with different ways of preparing them and I’m happy to share today one of my successful creations that I’ve been meaning to post for quite some time now.

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This specific overnight oatmeal recipe was inspired by the flavor profile of Middle Eastern sweets, specifically that of Ashta; a Lebanese clotted cream used as a filling in phyllo pastries and other desserts. From the creaminess of the milk, the fragrant sweetness of orange blossom and rose water, to the nutty bite of the pistachios, this nutritious breakfast will feel like an utter treat. The best part is that it’s naturally sweetened and there is no cooking required; the oats soften overnight as they soak in the milk. You can make them in a bowl if you’re eating breakfast at home or you can pack them in little mason jars for a quick breakfast on the go. According to the Minimalist Baker, one of my favorite food bloggers, overnight oats keep in the refrigerator for up to 2 days, but are best eaten within the first 12-24 hours so you might not want to make them too far ahead of time. As long as you have your ingredients on hand, you can whip one up every night in well under 10 minutes. Alright, let’s make some Middle Eastern dessert for breakfast!

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Ashta Overnight Oatmeal

  • Difficulty: Easy
  • Print

Ingredients
1/2 cup of Old Fashion Rolled Oats (We prefer Bob’s Red Mill Regular or Organic)
1 cup of unsweetened milk of choice
1 teaspoon orange blossom water
1 teaspoon rose water
1 tablespoon honey (more if you like it sweeter)

Toppings
Quality Honey
Ground pistachio, unsalted
Dried rose petal

Notes:
*Serving size: 1.
*If you want your overnight oats to have a thicker, slightly gelatinous texture like pudding then add 1-2 tablespoons of chia seeds. My husband isn’t a fan so I leave them out.
*If you’re not a vegan and would like some extra richness and creaminess, you can add 1-2 tablespoons of ashta or greek yogurt.
* I purchase my pistachios whole  from Trader Joe’s and grind them myself in a small food processor.

Directions
1. In a bowl or mason jar, add milk, honey, orange blossom water, and rose water. Stir to combine.
2. Add in the oats and stir until all the oats are fully immersed in the liquid.
3. Cover securely and place in the fridge overnight.
4. The next morning, take your container out of the fridge and stir the mixture. . Drizzle with quality honey and top generously with crushed pistachios and rose petals. Enjoy

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What are your favorite ways to eat oats? We would love to hear from you in the comments below and if you try this recipe, share your thoughts  and tag us on Instagram so we can see. And as always if you enjoyed this post, please follow us and share.

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5 Strategies and Resources for Keeping Toddlers Screen-Free

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Happy New Year friends! We hope all of you had a blessed holiday with your loved ones and we wish everyone peace, success, and happiness in 2018. Things are crazy busy here as we are preparing for a family vacation to Florida this weekend. I’ll be honest, between the kids being sick early last month and the holidays, they have seen far more screen time in December alone than they have in a year (we used to be strict about this but that’s for another post). And boy are we ready to detox and resume our screen-free daily routines once we get back. If reducing your child/children’s screen-time is one of your new year resolutions then you’re in luck because I have 5 simple strategies and a handful of fun resources to help get you on track for just that.

“Play is the beginning of knowledge.” -George Dorsey.

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  1. Identify what they like and stick with it. I know this may seem like common sense but living in this age of information overload, it can be difficult to filter through everything to decide what’s applicable and what’s not. Not everything that works for other children may work for yours and that’s okay. The best way to get to know your child is to try a range of different activities with them and see what keeps their short attention span occupied. Chances are you already have an idea without needing to do much investigating. My son is currently really into play dough, Mega Bloks, and dragons at the moment and is very active so if I’m going to get frustrated that he’s not sitting down for a coloring activity for more than 5 minutes, I can’t blame anyone but myself. It doesn’t mean that we don’t try other activities but for the sake of my schedule, I only do things like cooking or reading for school when my children are engaged with an activity for the long haul.
  2. Make a weekly activity plan. With all things in life, if you have an outline or plan of action then you’re more likely to follow through with it. If you are really committed to screen-free quality time then try investing 15-30 minutes on the weekend to brainstorming and arranging for activities during the week. You don’t have to be doing crazy chemistry lab experiments to make it fun. As you’ll come to see in the links I’m sharing below, it doesn’t take much to make children happy. I also want to add the disclaimer that an activity plan should be treated more like a guide rather than a strict schedule. It should be a way for you to think through your day and have activities on hand when you need them most.
  3. Talk it up. Sometimes for kids it’s less about the activity and more about the presentation. Maybe that’s just my experience with my kids but I feel they definitely pick up on my enthusiasm. I don’t have numbers to back up this claim but I find that my son is more engaged when I’ve talked about the activity beforehand. For example, if I were to ask him “prepare me something delicious to eat” while giving him his play kitchen tools, he would spend more time playing than if I were to just dump them on the floor and tell him, “here, play with this.”
  4. Limit accessibility and rotate activities to keep things interesting. In other words if you got it, don’t flaunt it. You will be surprised at what a huge difference it makes if you hide some toys away…because let’s face it, every parent is familiar with what happens when everything is accessible: toys strewn everywhere and bored, restless children. Not the funnest combination. Try taking some toys out of circulation and bringing them out in rotation when you sense boredom. Our MegaBloks, puzzles, and an array of large toy vehicles are stored way high up on a shelf and when I  bring them down, my son definitely relishes every moment.
  5. Don’t be afraid to make a mess. Okay maybe this is not what you want to hear but trust me. I’m not talking trash the house messy but more along the lines of confined chaos. There are plenty of activities that I’ll list below that allow children to really explore and be messy without you having a disaster on your hands. I don’t know what it is about messes but kids love making them and if they’re happy and occupied then you will be too 🙂

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With that being said, I’m sharing a list of fun activities that we have tried and enjoyed as well as some amazing resources that I turn to when planning out activities for the kids. I’m also linking our Pinterest board as I do pin fun toddler activities as I come across them for inspiration. I feel like I should state again that the point of this post isn’t that you must have scheduled activities in a curriculum sense but rather a collection of activities suitable for play. Children should be free to explore and play and the activities you choose should exemplify that philosophy.

“Do not keep children to their studies by compulsion but by play.” -Plato

Sensory and Fine Motor Activities

  1. Make homemade play dough and model/build/cut with cookie cutters
  2. Thread pipe cleaners through a colander or box with holes
  3. Freeze toys in water and do an ice excavation
  4. Make colorful squishy gel bags with glitter and beads
  5. Pom Pom Ball Color Sorting

“Messy” Activities

  1. Go dumpster diving for lost toys in a cardboard box
  2. Create a dry pasta/rice/lentil construction site
  3. Paint with shaving cream on a plastic bin lid
  4. Make a scoop and pour activity station with containers and random objects
  5. Pour flour and shredded coconut in a bin with small cars for a snowy ride

Physical Activities

  1. Set up a simple indoor obstacle course with everyday objects
  2. Have a color-themed scavenger hunt with this song
  3. Have an alphabet or number scavenger hunt
  4. Set up a bubble machine and chase after bubbles to pop them.
  5. Blow up balloons and play balloon tennis, volleyball, or soccer.

Imaginative Play

  1. Make a play boat from a cardboard box and pretend you’re fishing or escaping sharks
  2. Give children kitchen tools and utensils to play chef
  3. Play veterinarian or doctor with sick action figures and stuffed animals
  4. Build a tent from blankets and go pretend camping
  5. Host a pretend picnic or tea party for their toys

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These are just some of the MANY activities out there and there are plenty more waiting to be discovered or created by you to fit your child’s needs (Disclaimer: All the activities I’ve listed are intended to be done with adult supervision even if they don’t necessarily require your active participation). I hope this post is a good starting point for helping you feel less overwhelmed and more capable of keeping your children engaged and occupied without resorting to screens. To help me get organized and plan better (and help you do the same), I’ve created a weekly activity plan to fill out to help guide me through my days at home. The image below is just an example of how you can fill it out but you’ll want to do so according to your own daily rhythms and routines, interests and likes. I also included a column for time but I do not adhere to it strictly and you can completely ignore it all together if you want. The time column is more to remember fixed moments of the day such as snack time, lunch, and nap time. I want to also add that I think it’s very important to be flexible and not hold yourself to unreasonable and unattainable scheduling expectations because this isn’t school.

Weekly toddler planWeekly Activity Plan Free Download

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Once you have downloaded this blank activity guide, you can visit the links below to get started planning your days with your little one(s). While I’m no child psychologist or educator, I think that it’s good to have a balance of diverse activities; literacy, sensory/fine motor, physical activity, and imaginative play. The best part about designing your day is you get to customize activities that blend motor skills, creativity, and learning (science, math, language, etc.) in ways that are fun and appealing to your child. The last thing children need is to be lectured classroom-style. If there are specific concepts that you would like them to be learning then write them down in the “focus” section. This will help you be mindful of your learning goals so you can incorporate them up during activities and moments throughout your day. Alright, let’s get planning!

Resources for Activity Planning

  1.  Hands on As We Grow
  2. Busy Toddler
  3. Fun at Home With Kids
  4. The stay-at-home-mom survival guide
  5. Meri Cherry
  6. Toddler Approved
  7. Playtivities

If you liked this post and found it helpful, we would love it if you would share. For more related content, you can find us on Instagram where we share more of our day-to-day and Pinterest where we share our ideas and inspiration. If you have any thoughts or suggestions about this topic, feel free to leave a comment down below. And as always…

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