Duo Update

Free Winter Weekend Activities for Families to Do Together

January 13, 2025 by Kati Mora

With Christmas over, it’s possible that you and your family are looking for ways to maximize the time you have together now that break is over. If this sounds like you, here are a few of our favorite ways to spend time together this time of year without spending lots of money:

1. Sledding

Grab your sled or borrow one, but this can be a great way to spend the afternoon. Bundle up and find your local sledding hill and get ready for some fun. Most communities have a go-to freebie spot, so be sure to ask around before you head out.

2. Visit Your Local Library

If you’re looking for an indoor activity, we always enjoy trips to our local library. The library features a variety of books, magazines, puzzles, computer games, and more to explore. Check your library’s website to see if any family activities are taking place over break—many libraries host free events like storytime, craft sessions, or movie screenings throughout the year.

3. Go for a Winter Wonderland Scavenger Hunt

Head outdoors and create a scavenger hunt list of winter-themed items to find—think icicles, pinecones, animal tracks, or a red cardinal. This is a great way to keep everyone active while exploring your neighborhood or a nearby park. Don’t forget to bring a thermos of hot cocoa to warm up afterward!

4. Break Out a Board Game

Dust off those board games in the closet and host a family game day. Whether it’s a classic like Monopoly or a quick round of Uno, playing games together can spark lots of laughs and friendly competition.

5. Host a Movie Night

Transform your living room into a cozy theater with blankets, popcorn, and everyone’s favorite movies. You could even pick a theme for the night, like classic winter films or animated favorites.

6. Volunteer at a Local Non-Profit

Spend time giving back as a family by volunteering at a local non-profit organization. Soup kitchens, animal shelters, or food banks often welcome extra hands, especially during the winter months. It’s a wonderful way to bond while making a difference in your community.

7. Go Ice Skating at an Outdoor Rink

Many communities offer free or low-cost access to outdoor skating rinks. Bring your own skates if you have them, or check if there are affordable rentals available. It’s a fun way to enjoy the crisp winter air together.

8. Take a Winter Nature Walk

Bundle up and take a leisurely walk through a local park, nature trail, or nearby woods. Bring along binoculars for birdwatching or see how many different types of trees and plants you can spot in their winter state.

9. Have a Snowman or Snow Fort Building Contest

If there’s snow on the ground, challenge each other to build the most creative snowman or sturdy snow fort. Add props like hats, scarves, or old buttons to bring your creations to life.

10. Create Homemade Winter Crafts

Gather supplies from around the house (or your local dollar store) and spend an afternoon making winter-themed crafts. Try paper snowflakes, pinecone bird feeders, or DIY hot cocoa kits.

11. Organize a Winter-Themed Photo Challenge

Take turns snapping pictures of winter scenes like frosted windows, snow-covered branches, or playful family moments. Create a mini photo album or slideshow at the end of the day.

12. Bake Together as a Family

Spend time in the kitchen baking cookies, bread, or a fun winter-themed treat. Kids can help decorate baked goods, and everyone will enjoy the delicious rewards!

13. Visit a Local Museum or Community Center

Check out free admission days at local museums or see if your community center is hosting any winter-themed events. Many places offer family-friendly options that are engaging and educational.

15. Set Up an Indoor Obstacle Course

Use pillows, chairs, blankets, and other household items to create a fun obstacle course indoors. Time each family member to see who can complete it the fastest!

With these fun and budget-friendly ideas, you’re sure to make the most of your family time this winter! Which of these activities will you try first?

How to Save on Thanksgiving Dinner Without Sacrificing Flavor

November 24, 2024 by moneysavingduo

Thanksgiving is a time to gather with loved ones, enjoy good food, and express gratitude. But let’s face it—hosting a holiday meal can quickly add up. The good news? You don’t have to break the bank to serve a delicious Thanksgiving feast. Here are some budget-friendly tips to help you plan your holiday meal without sacrificing flavor or quality.

1. Plan Ahead and Make a Budget

Before you start shopping, decide on a realistic budget for your Thanksgiving dinner. Plan your menu around affordable staples, seasonal ingredients, and sales. By knowing what you want to serve and how much you can spend, you’ll avoid unnecessary expenses.

2. Shop Sales and Use Coupons

Keep an eye on grocery store flyers and apps for Thanksgiving promotions. Many stores offer discounts on turkeys and traditional sides like stuffing, potatoes, and cranberry sauce during the holiday season. For our midwestern folks, did you know that Meijer is offering their frozen Grade A turkeys for only $0.33/lb if you are a Meijer mperks member!?! Pair these deals with coupons for extra savings.

3. Get Creative with Ingredients

Traditional recipes are great, but you can tweak them to save money. For example:

Stuffing: Replace expensive artisan bread with day-old baguettes or sandwich bread. Add flavorful vegetables like onions and celery to bulk it up.
Mashed Potatoes: Stick to basic russet potatoes instead of pricier varieties. Add flavor with homemade garlic butter or cream cheese.
Desserts: Instead of multiple pies, serve a single pie alongside less expensive desserts like cookies or spiced applesauce.

4. DIY Where You Can

Pre-made items can be convenient but come with a higher price tag. Making dishes from scratch saves money and often tastes better. For example:

Cranberry Sauce: A bag of fresh cranberries, sugar, and orange juice makes a sauce that’s cheaper and tastier than canned versions.
Gravy: Use turkey drippings to create a rich, homemade gravy without needing to buy pre-made jars or packets.

5. Host a Potluck-Style Meal

If you’re hosting for a crowd, don’t hesitate to ask guests to contribute a dish. You can coordinate ahead of time to ensure variety while saving yourself both time and money. Guests are often happy to bring a side dish, dessert, or drinks and it can be a great way to incorporate others favorites into the big meal. Our family has done this now for the past couple of years and it always makes the day a little less stressful.

6. Incorporate Seasonal Produce

Seasonal fruits and vegetables like sweet potatoes, carrots, squash, and apples are often cheaper in November. Highlight these ingredients in your side dishes to keep costs low while adding vibrant flavors to your meal.

7. Reduce Food Waste

Make just enough food for your guests to avoid overbuying and wasting. If you love leftovers, plan them into your menu. For example, use leftover turkey for sandwiches or soup.

8. Buy Generic Brands

For pantry staples like flour, sugar, and canned vegetables, opt for store brands instead of name brands. The quality is usually comparable, and the savings can be significant.

Sample Budget-Friendly Thanksgiving Menu

Appetizer: Veggie platter with homemade dip.
Main Course: Roast turkey or turkey breast.
Sides: Mashed potatoes, stuffing, roasted carrots, cranberry sauce and rolls.
Dessert: Pumpkin pie and baked apples.

Thanksgiving is about togetherness, not extravagance. By planning carefully and focusing on affordable, flavorful ingredients, you can host a memorable meal that won’t stress your wallet. With these tips, your Thanksgiving dinner can be both delicious and budget-friendly.

How to Redeem FREE Travel Miles When Your Luggage Is Late

September 22, 2024 by moneysavingduo

Travel can be an exciting adventure, but nothing dampens the mood faster than waiting endlessly at the airport carousel for luggage that just won’t show up. Luckily, several airlines offer compensation in the form of free travel miles when your luggage is delayed. In this guide, we’ll break down the steps for how to redeem these miles and which airlines offer this perk.

Redeem FREE Travel Miles when luggage is late

Step 1: Check if Your Airline Offers Compensation

First, find out if your airline participates in compensating passengers for delayed luggage. The following airlines are known to offer free travel miles for this inconvenience:

Delta Airlines: Delta’s “Bags on Time” guarantee offers 2,500 SkyMiles if your checked bags don’t arrive at the carousel within 20 minutes of your flight landing.
Alaska Airlines: If your bag doesn’t show up within 20 minutes of your flight’s arrival, Alaska Airlines will compensate you with 2,500 Mileage Plan miles.
JetBlue Airways: JetBlue also offers 1,500 TrueBlue points for delayed luggage, though there’s no specific time frame, so it’s important to check with the airline when you’re at the airport.

Step 2: Time Your Wait

Once your flight lands, note the time. Most airlines begin counting the luggage delay from the moment your flight arrives at the gate. To claim your free miles, you need to be sure your luggage is officially delayed by the airline’s standards. Generally, this means your bag must arrive at the baggage claim after 20 minutes.

Tip: Use your phone to set a timer when your flight lands so you can track the time easily.

Step 3: File Your Claim

If your luggage is delayed, you’ll need to file a claim to receive your free miles. Here’s how to do it with each airline:

Delta Airlines: Visit Delta’s dedicated “Bags on Time” page. You’ll need to enter your bag tag number and flight information. If eligible, the miles will be credited to your SkyMiles account within a few days.
Alaska Airlines: You can contact the a p p r o p r i a t e Airport Baggage Office to make your claim. Make sure you have your flight number, baggage tag number, and the time your luggage arrived to ensure quick processing.
JetBlue Airways: You’ll need to contact JetBlue’s customer service either by phone or in person at the airport to request your compensation.

Step 4: Monitor Your Mileage Account

Once you’ve filed your claim, keep an eye on your frequent flyer account to make sure the miles are credited. Depending on the airline, this can take anywhere from a few days to a couple of weeks.

Tip: If your miles haven’t been credited after the specified time frame, follow up with the airline’s customer service team to resolve the issue.

Additional Tips

Be proactive: Always keep your baggage claim ticket handy, as you’ll need it to file your claim.
Sign up for mileage programs: Ensure you’re a member of your airline’s frequent flyer program before your trip. Otherwise, you won’t be eligible for free miles.
Know your rights: Some airlines will also compensate you with vouchers, meals, or hotel accommodations if your bag is delayed for an extended period—so it’s worth asking!

Delayed luggage is never fun, but redeeming free travel miles is a small silver lining to help soften the blow that many people don’t realize they can benefit from. By keeping track of time, knowing which airlines offer this perk, and filing your claim promptly, you can turn a luggage delay into your next travel reward!

Happy saving—and happy travels!

Maximizing Your $550 EITC Check: Smart Ways to Utilize Funds in Michigan

February 25, 2024 by Kati Mora

Receiving unexpected money, especially a tax refund or credit, can be an excellent opportunity to improve your financial situation or treat yourself. If you qualif i e d for the Earned Income Tax Credit (EITC) in Michigan for the tax year 2022, you may be eligible to receive a $550 check. While it might be tempting to splurge on something fun, there are strategic ways to utilize this money that can benefit you in the long run. Let’s explore some of the best ways to make the most out of your $550 EITC check in Michigan.

Debt Repayment

One of the most prudent uses of unexpected funds is to pay off outstanding debts. Whether it’s credit card debt, personal loans, or medical bills, reducing your debt burden can significantly improve your financial well-being. Consider using a portion of your $550 check to tackle high-interest debts first, as this can save you money on interest payments over time.

Emergency Fund

Building or bolstering an emergency fund is crucial for financial stability. Aim to set aside enough money to cover at least three to six months’ worth of essential living expenses. If you don’t already have an emergency fund, consider using a portion of your EITC check to start one. Having this financial cushion can provide peace of mind and protect you from unexpected expenses or emergencies.

A high yield savings account can be a great place to stash your emergency fund dollars. Not only will they be easily accessible here if you need them, but you can make money through the interest you’ll earn while your money is set aside. We use Wealthfront for our short-term savings and currently earn 5% APY. Sign up for a Wealthfront Cash Account through our referral link and we’ll both get an EXTRA +0.50% boost for three months.

Invest in Education or Training

Investing in yourself can lead to long-term financial benefits. Use your $550 check to enroll in a course, workshop, or training program that can enhance your skills and qualifications. Whether it’s advancing in your current career or exploring new opportunities, investing in education can open doors to higher-paying jobs and increased earning potential in the future.

Home Repairs or Upgrades

If you’re a homeowner, consider using your EITC check to make necessary repairs or upgrades to your property. Investing in home improvements not only enhances your living environment but can also increase the value of your home over time. Focus on projects that offer the best return on investment, such as energy-efficient upgrades or essential maintenance. These types of investments will continue to help you save even more money.

Save for Future Goals

If you’ve already addressed debt, built an emergency fund, and covered immediate needs, consider saving your $550 EITC check for future goals. Whether it’s saving for a down payment on a home, funding your child’s education, or planning for retirement, having savings set aside can help you achieve your long-term financial objectives.

16 Best IRA Accounts of February 2024

Receiving a $550 check as part of the Earned Income Tax Credit in Michigan presents a valuable opportunity to improve your financial situation. By using this money wisely, you can make meaningful strides toward financial stability and long-term prosperity. Whether you choose to pay off debt, build an emergency fund, invest in education, make home improvements, or save for future goals, thoughtful planning and strategic decision-making can maximize the impact of your EITC check. Take advantage of this opportunity to secure your financial future and achieve your financial goals.

10 Smart Ways to Boost Your Savings in the New Year

January 1, 2024 by Kati Mora

As we step into a new year, you may be considering a money goal reset. Whether you’re saving for a big purchase, building an emergency fund, or planning for the future, implementing effective money-saving strategies is crucial and the new year is a fantastic time to put your money goals back in focus.

Please note: This post may contain affiliate links which means that if you click through them and make a purchase, we may be financially compensated. Thanks for supporting Money Saving Duo!

Create a Realistic Budget

Start by taking a look at your numbers. If you were tracking your income and expenses this last year, you should be able to see how you’ve allocated your funds and what changes you would like to make. If not, make tracking your income your goal for the new year. This will allow you to set a realistic budget that allocates funds for essential needs and allows for savings. Be thorough in tracking your spending habits to identify areas where you can cut back. Not sure how to create a budget? We can help you with that.

Related: Exploring Alternatives to the Mint Budgeting App: Budgeting Apps to Continue Keeping Your Finances in Check

Automate Your Savings

Make saving a habit by automating the process. Set up automatic transfers from your checking account to your savings account each month. This ensures that a portion of your income is consistently saved without requiring manual effort. Automating your expenses can also be a really helpful strategy in never missing a payment.

Cut Unnecessary Expenses

Review your monthly expenses and identify areas where you can cut back. Cancel unused subscriptions, opt for generic brands, and dine out less frequently. Small adjustments can lead to significant savings over time.

Embrace the 24-Hour Rule

Before making non-essential purchases, follow the 24-Hour rule. Wait a day before deciding to buy something. This helps you differentiate between impulsive and necessary purchases, preventing unnecessary spending.

Negotiate Bills and Services

Regularly review your utility bills, insurance premiums, and subscription services. Negotiate with providers to secure better rates or consider switching to more cost-effective alternatives. Loyalty often pays off, so don’t hesitate to ask for discounts.

Build an Emergency Fund

Establishing an emergency fund is a financial safety net. Aim to save three to six months’ worth of essential living expenses in case of unexpected events. This fund provides peace of mind and prevents the need to dip into long-term savings for unforeseen circumstances.

Related: Want to Save Money Fast and Jumpstart Your Emergency Fund? Here’s How to Save $1,000 in 30 Days

Explore Cashback and Rewards Programs

Take advantage of cashback and rewards programs offered by credit cards, retailers and shopping apps. Use credit cards responsibly, pay off balances in full each month, and enjoy the benefits of earning cash back or accumulating points that can be redeemed for discounts or gift cards.

Related: Our Ultimate Money Saving Grocery Shopping App List

Shop Mindfully

Adopt mindful shopping habits by looking for sales, using coupons, and comparing prices before making purchases. Consider buying in bulk for frequently used items, and resist the urge to make impulse buys.

Invest Wisely

Explore investment options to grow your wealth over time. Consult with a financial advisor to develop a diversified investment strategy aligned with your financial goals. A well-thought-out investment plan can help your money work for you.

Educate Yourself About Personal Finance

Knowledge is a powerful tool in managing your finances effectively. Stay informed about personal finance topics, read books, attend workshops, and follow reputable financial experts to enhance your understanding of money management.

Check out some of these highly rated books on personal finance:

Buy on Amazon

As you start your journey towards saving more money in the new year, remember that small changes can lead to significant results. By implementing these 10 practical strategies, you can build a strong foundation for financial stability and achieve your savings goals. Start the new year with a commitment to smart financial choices and watch your savings grow. Cheers to a financially prosperous year ahead!

Why We Chose Monarch Money When Our Favorite Money App Decided to Come to An End

December 17, 2023 by Aaron Mora

Change is the only constant in life, and financial management apps are no exception. Recently, we found ourselves in the midst of a significant change as Mint, our trusted companion in budgeting and financial planning for years, announced its shutdown. Faced with the need to find a suitable alternative, we carefully evaluated our options and ultimately decided to make the switch to Monarch Money. Curious why we made the switch? We’re going to delve into the reasons behind our choice, highlighting the pros and cons of Monarch Money as we bid farewell to Mint.

What We Love About Monarch Money

User-Friendly Interface: Monarch Money boasts a clean and intuitive user interface that makes managing finances a breeze. The dashboard is well-organized, providing a comprehensive overview of your financial landscape without overwhelming you with unnecessary details.
Trusted Leadership: Monarch Money was started by a former Mint Executive! We feel like it has the same heart and soul we loved about Mint.
Advanced Security Measures: Security is a top priority when it comes to handling sensitive financial information. Monarch Money impressed us with its robust security features, including end-to-end encryption, two-factor authentication, and other advanced measures that ensure our data remains secure.
Customizable Budgeting Tools: Monarch Money understands that everyone’s financial journey is unique. The app offers highly customizable budgeting tools, allowing users to tailor their budgets to their specific needs and financial goals. This level of flexibility was a significant factor in our decision-making process.
Cryptocurrency Integration: As the financial landscape evolves, so do our needs. Monarch Money goes beyond traditional financial tracking by seamlessly integrating cryptocurrency accounts. This forward-thinking approach aligns with the growing interest in digital assets, providing a more holistic view of our financial portfolio.
Automated Expense Tracking: Monarch Money’s automated expense tracking feature streamlines the process of categorizing and analyzing expenditures. This not only saves time but also enhances accuracy in budget tracking, a crucial aspect of effective financial management.

The Challenges With Monarch Money

Learning Curve: While Monarch Money’s interface is user-friendly, some users might experience a slight learning curve during the transition. The navigation and features may take some time to get accustomed to, but we picked them up pretty quick moving from Mint.
Limited Historical Data Import: One drawback we encountered during the switch was losing some of our history from Mint. However, there is an amazing import feature the moves your info directly from Mint. Great feature of Monarch!
Subscription Cost: Monarch Money operates on a subscription-based model, and while the cost is reasonable for the features offered, it may be a potential deterrent for users who are accustomed to free financial management apps like Mint.

In the face of Mint’s imminent shutdown, the decision to transition to Monarch Money is one we feel good about! The pros, including a user-friendly interface, advanced security, customizable budgeting tools, cryptocurrency integration, and automated expense tracking, outweighed the cons in our assessment. While there may be a slight learning curve, the overall value and innovative features offered by Monarch Money aligned with our evolving financial needs.

As we embark on this new chapter with Monarch Money, we look forward to exploring its full potential and adapting to the changes in our financial management routine. Change may be inevitable, but with the right tools, it can also be an opportunity for growth and improvement.

Want to give Monarch Money a try? Get an extended 30-day free trial if you sign up with our referral link! We think you’ll like it for the same reasons we do!