On January 21, the Securities and Exchange Commission published in the Federal Register a release (Release) regarding Cboe Exchange, Inc. rule changes. The Release indicates that SEC must approve or disapprove Cboe rule changes regarding off-floor position transfers (Proposed Rule) by March 19. The SEC moved the original January 19 deadline to March 19 in order to further consider, among other items, issues raised during the comment period and related SEC proceedings (Proceedings). (For additional information regarding the Proceedings, please refer to the November 1, 2019 edition of Corporate & Financial Weekly Digest.)
The Release is available here. [...]
Editor’s Note: this is the 5th post on Daily Fintech, written in 2014 – sadly not much progress on this front in 5 years.
To give our authors a break over the holidays, we are re-posting from our archive of over 1,000 articles. Rather than pick favourites we elected to simply repost the first 8 articles (as that was over 5 years ago you may have missed them; we were pretty unknown then).
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The future of Bitcoin as an alternative currency is tied to one simple metric – merchant acceptance and the velocity of money through those merchants.
Bitcoin has potential as a) a payment network, b) a store of value that you can invest/speculate in and c) a currency. This article is only about bitcoin as a currency.
Like others before me, I have become more positive about the future of bitcoin the more that I learn about it. A few months ago I would have leaned to the view that Bitcoin the payment network had a great future but that bitcoin the currency would be a footnote in history. Today I am more positive, because the trend lines and motivations around merchant acceptance are positive.
If mainstream merchants accept bitcoin, it will thrive. If not, anybody owning bitcoin will need to first transfer bitcoin into Fiat currency and the regulatory off ramp problem will kill it as an alternative currency. Without mainstream merchant acceptance, bitcoin the currency will live on only in the shadow economy and become a footnote in history. Forget the headlines about bitcoin price fluctuations or the latest VC deal; these are “noise on the line” compared to merchant acceptance.
We have been through two phases of merchant acceptance and we may be about to start the third phase (phases overlap i.e. one does not have to end before another one begins):
Phase 1. Illegal online transactions, made famous by Silk Road. This got some media attention and confirms the old saying that, “there is no such thing as bad press”.
Phase 2. Attracting rich Bitcorati for legal products. This is the phase we are in today. The merchant logic here is very simple. If a rich person wants to pay me in some unusual currency, I am motivated to accept that currency. Enough people got rich speculating in bitcoin or mining bitcoin in the early days for this to be a real niche market. These Bitcorati are bitcoin enthusiasts, so if they see two objects they desire equally and one says “we accept bitcoin” then that rich Bitcorati will choose the merchant who accepts bitcoin. This is fundamentally different from phase 1 because a) it is legal and b) we will start to see merchant success stories akin to the merchants who were early adopters on the Internet.
The enabler for phase 2 is the elimination of the volatility problem. The same volatility that is a boon for speculators is a showstopper issue for merchants. There is no value in getting rid of those hated 2-3% Credit Card fees if the bitcoin price moves more than that before you can use it to pay your suppliers and live your life.
The two leaders in processing Bitcoin for merchants are Coinbase and Bitpay. At time of writing both claim 35,000 merchants. Both have raised a lot of money from top tier investors. Their pitch to merchants is that accepting Bitcoin is as easy as accepting a credit card – with lower fees. Coinbase’s pitch to merchants for example:
“When a sale is made, you can instantly sell the bitcoin received to Coinbase to avoid exposure to bitcoin volatility.”
A leader in merchant adoption could be the first VC backed Bitcoin success, analogous to the Netscape moment. An IPO would give the venture mainstream visibility and kick-start the next wave of Bitcoin innovation, funding and adoption. It’s a pity that the bar is so much higher for an IPO than it was 20 years ago, but that is another story.
The tipping point is simple. It comes when merchants switch from asking, “why should I bother accepting bitcoin?” to, “is there any good reason not to accept bitcoin?” When that happens and consumers see the bitcoin symbol on more merchants checkout (online or offline) they will be more interested in paying by bitcoin.
2014 has been a good year so far for merchant adoption with the following big e-commerce players announcing that they are accepting Bitcoin – Overstock, Dell, DISH, TigerDirect and Newegg. Overstock was the bridge from Phase 1 to Phase 2. Patrick Byrne, the founder CEO of Overstock is known as a critic of the establishment while running a large mainstream business.
We have to move beyond the Bitcorati to get to the tipping point. Somebody who has not got Bitcoins from mining or speculating early in the game has to be motivated to buy using bitcoin instead of a credit card. I have been talking to some small merchants to ask them what might trigger them to accept bitcoin. These are merchants who do not have an obvious Bitcorati customer base; some may do so and the merchant won’t know until they try which speaks to the “is there any good reason not to accept bitcoin?” story. Most had been totally put off Bitcoin due to the volatility issue and the story that the volatility problem has been fixed has not yet reached them.
However in their busy lives, there still has to be a good reason to take the time and trouble to accept bitcoin. One story that made these merchants think about accepting bitcoin came up a couple of times and this could become Phase 3 of bitcoin merchant adoption:
Phase 3. Micro-multinationals who want to accept international customers. Big businesses have already got doing business globally nailed. Small businesses don’t have very good solutions that are a) easy to implement b) inexpensive. Getting international payments via credit cards is easy but expensive; you pay a lot for the currency transfer back to your home currency. You could accept payment in foreign currencies but that gets complex. First, you have to decide which foreign currencies to offer and Murphy’s Law says that the one currency that you omitted is the one that your ideal customer wants to use (an American merchant may enable EUR and GBP and miss the Swiss customer who really wanted that high margin upmarket product as long as she can pay in CHF). Then you will have the hassle of getting your bank to accept multiple deposits in foreign currencies and when they do that you will find that you lose a lot when your bank converts it back to your home currency.
Doing this via bitcoin won’t be simple, but at least Bitcoin will be solving a real problem for merchants. Nobody has sized the micro-multinational market, but anecdotally it is large and tools such as VOIP now make it more natural to transact across borders, so this is likely to increase. This Phase is important because it will get more consumers (who have not mined or speculated) to use bitcoin. Lets say a consumer wants to buy something online that is priced in a foreign currency. If consumers see a simple calculator that tells them how much cheaper it is to pay via bitcoin than their credit card or debit card and it looked as easy as using their credit or debit card, consumers may give it a go.
Phase 4. When Bitcoin becomes universal, just another option alongside cash and the usual Credit Cards in main street shops and e-commerce sites. To look at how could Bitcoin to cross the chasm from early adopters (Bitcorati and Micro-multinationals) to a universal payment option, we need to move into some spec [...]
For the many of you who have been asking when we were going to offer a sale on our online courses, I have GREAT news for you! We’ve been hard at work behind the scenes to bring you a BIG Black Friday Sale — and it’s now LIVE!
Through Tuesday, December 3, 2019, you can get 13 of my online courses for 50% off! You can order as many as you’d like at this price!
These would make a great Christmas gift for yourself, for a friend, or something to help you get off to a great start in 2020! You might even consider buying one for each of your friends and then you could go through them together and keep each other accountable!
See all the details of our 2019 Black Friday Sale here.
Black Friday Sale Pricing — Our Best Prices of the Year!
Here are all of the courses included in the Black Friday sale:
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Want to purchase more than one course? Go to this page and you can add multiple courses to your cart at one time.
Here are more details on our six best-selling courses:
Make Over Your Mornings — a 14-day online course to help you start your days well. This is our #1 best-selling course and it’s regularly $17, but you can get it for just $8.50 through Tuesday at midnight. Purchase it here for just $8.50.
Make Over Your Evenings — a successful day begins the night before! Find out how to set up a realistic, workable, and life-impacting evening routine in this 14-day sequel to Make Over Your Mornings. It’s regularly priced at $17, but you can get it for just $8.50 through Tuesday at midnight. Purchase it here for just $8.50.
Make Over Your Year — a 4-week goal-setting course to teach you how to set realistic, achievable goals… and then actually follow through with them! This course is a very down-to-earth course that my husband and I filmed live together and it comes with 4 video lessons plus a workbook and projects to help you become a goal-setting rockstar! It’s regularly $17, but you can get it for just $8.50 through Tuesday at midnight. Purchase it here for just $8.50.
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Want to purchase more than one course? You can add multiple courses to your cart when you go to this link here. Happy Savings!
I hope you had a wonderful Thanksgiving!
P.S. All of these courses come with a money-back guarantee, so if you buy them and decide they just aren’t for you, we’re happy to honor our guarantee — no questions asked! [...]
Every entrepreneur in the world thinks they have a great idea. But how do you convince other people? By delivering a stellar business pitch, of course.
A great business pitch is essential to building valuable partnerships and ensuring financial backing that will take your product from conception to the shelves.
When it comes to pitching, you’re going to have a short amount of time to get your idea across, so you have to use that time effectively. But it can be easy to get so caught up in the excitement or confidence in your product that you fail to fully express its value to a buyer.
We decided to ask a professional for some tips on how to pitch an idea. Here’s the inside scoop.
Tips for Pitching a Great Idea
We sat down with Kinna Thomas, a senior buying manager for Walmart who also helped create the famous Patti Labelle Sweet Potato Pie.
Thomas has a lot of experience listening to product pitches, thanks to Walmart’s annual Open Call event, where hundreds of entrepreneurs turn out with hopes of getting their products on the retail giant’s shelves.
Here are the five tips she gave us to better your chances of nailing a pitch.
Focus on the Customer
You might think your product is the best thing in the world, but it doesn’t really matter what you think — it’s what the customer thinks.
And really, customers don’t care about the product itself — they care about what the product can do for them.
Maybe it will make their day-to-day life easier or maybe it will save them money. Get the message across that your product is an actual benefit to a consumer and that it’s something the buyer doesn’t already offer.
“We want you to make sure that you are definitely locked and loaded on understanding the assortment that we need to carry,” says Thomas.
Nail Down Your Product
You’ve got this amazing idea! Everyone spills stuff, right? Well, what if when you made a big mess… you could just suck it right up? Genius!
A vacuum. You just pitched a vacuum. Unless your vacuum is state-of-the-art and can promise that the user will never have dog hair in their carpet again, your idea is not going to be received well.
“The product needs to be exciting, invigorating, innovative and different from what’s out in the market,” says Thomas.
Make sure you can explain what you’re selling quickly and efficiently.
And while you might be tempted to claim your product has zero competition, that’s most likely not the case. Show that the product or idea deserves to be backed by pointing out what makes it different from competitors.
Don’t Forget About the Cost
This one really shouldn’t be a surprise: Buyers want to make sure the price is right.
Where your product is on the timeline will mean a lot to an investor or buyer. Is it a newly formed idea that hasn’t been tested and sold? Or have you already moved forward with manufacturing and set up a cost model?
Proving you can create a product and sell it at a profit — without breaking the consumer’s bank — goes a long way. Go to your pitch with numbers that validate why it would be beneficial for the buyer to back you.
Be open and honest about the costs your product will require, as well as the sales numbers and future projections.
Think About the Logistics
You might think your product is the absolute bee’s knees and everyone in the world will want it, but consider the reality of who will actually buy it.
Yeah, your Do-It-Yourself Ice Sculpture Kit is pretty cool (see what I did there?), but try selling that product in a Walmart in South Florida. It just doesn’t work — you’re in the wrong market.
This point goes back to knowing your product. Consider where it would sell best and include that in your pitch.
“We want to know scalability,” says Thomas. “Whether or not you should be in a hundred stores or thousands of stores.”
One thing you shouldn’t lose sight of is that buyers are looking to back not only your product but also you — that is, they are investing in you as much as in the product itself.
“Doug McMillon tells us all the time ‘Be prepared,’” says Thomas, referring to Walmart’s CEO. “So that’s exactly what we want for you.”
You could have the best idea in the world, but if you walk into a meeting without presenting yourself as a prepared, collected and efficient individual, it could ruin the whole pitch.
Think about it from a buyer’s point of view: If you were risking your hard earned money, why would you give it to someone who doesn’t inspire confidence and assure you that they will handle your investment wisely?
“Practice makes perfect” is a well-known mantra for a reason. Rehearse your pitch in front of real people beforehand. That way, you can walk into a meeting confident that you can nail your pitch.
Kaitlyn Blount is a former staff writer at The Penny Hoarder.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
It’s the LAST DAY to get a subscription to Eat at Home Menu Planning service for 30% off! If you haven’t taken advantage of this deal yet and have been meaning to, this is your gentle reminder that you need to run over and purchase — because the deal ends at midnight!
I’m just loving getting these messages from those of you who are signing up:
My Top 3 Reasons I Love Eat at Home
My favorite thing about the Eat at Home Menu Plan Service is that — unlike many other menu plan services — you don’t have to pick one menu plan — you get access to four complete menu plans every single week. Yes, that’s right!
I also LOVE that the plans were put together with busy families in mind — and many of the recipes can be made in less than 15 minutes.
Finally, the recipes are GOOD! Someone asked this morning on Facebook Live whether we like all of the recipes and I could genuinely say that we typically love 50% of them, that we like 40-45% of them, and there are just 5-10% that aren’t necessarily ones we like. I think that’s pretty impressive considering we’re feeding 5 people here who have different palates!
On the Fence About Purchasing?
Many of you have already purchased the Eat at Home menu-planning service and have written to tell me you are excited about all of the time and effort and money you are going to save with it.
But others of you are still sitting on the fence and wondering whether it’s worth the investment. And I totally get that.
I don’t want you to spend your hard-earned money on something that isn’t going to be a great fit for you. But I also don’t want you to miss this opportunity to get such a great deal… because this deal only comes around two times per year and it’s the lowest price that you’ll ever find this menu-planning service.
If you’re on the fence about purchasing, I want to help you out. Here are three steps I encourage you to take to make sure this is for you:
1. Leave a Comment… I’m Here to Answer Your Questions!
I will be checking comments here this afternoon and evening and am happy to answer your questions about the Eat at Home menu-planning service. Just leave a comment and ask whatever questions you have.
I’ll personally do my best to answer your question or to find out the answer for you! And trust me, I will be incredibly honest with you and let you know if I don’t think this menu-planning service is a good fit for you.
2. Download the Sample Menus
Want to see some samples of what the Eat at Home menu-plan service is like? You can view a sample menu plan for each of the 4 different menu plans you’ll get when you sign up for this service. Just go here to check out the sample menu plans here.
3. Try it Out for 30 Days
Eat at Home offers a full 30-day money-back guarantee. So if you think the service might work for you but you’re not sure, I recommend that you go ahead and signed up and try it out for a week to see if it will work. If it doesn’t, you can just email in and ask for your money back — no questions asked!
Have Picky Eaters?
Someone asked in the Eat at Home Facebook Group whether the Eat at Home Menu-Planning Service would work if you have picky eaters. I can’t promise or guarantee you anything, but here were some of the responses:
You can go here to read the rest of the responses to this question.
What You Get When You Sign Up
When you sign up for the Eat at Home Menu plan service (it’s just a few dollars per week — or less!), each month, you’ll get:
An entire month of No Flour, No Sugar menu plans, including weekly grocery lists and printable recipe instructions
An entire month of Traditional Menu Plans, including weekly grocery lists and printable recipe instructions
An entire month of Slow Cooker/Instant Pot Menu Plans, including weekly grocery lists and printable recipe instructions (this is my favorite!)
An entire month of Whole Food Menu Plans, including weekly grocery lists and printable recipe instructions
Each menu plan comes with recipes created for small family (3-4 servings) and large family (6-8 servings)
Color-coded grocery lists make it easy to swap out ingredients or whole meals
Printable Menus to hang on the fridge or near your calendar, so you can easily see what’s for dinner that week and your family can, too
Access to the entire month at once!
1 Hour Freezer Stash Plans – a new plan each month to stock your freezer with 6 meals in 1 hour!
You can choose to stick with just the traditional menu plan or just the slow cooker menu plan or just the whole foods menu plan or just the no flour, no sugar menu plan. Or, you can rotate different menu plans on different weeks, depending upon what you feel like cooking or how much time you have!
Go sign up here — and use coupon code YES at checkout to get 30% off! That makes the annual plan just $1.13 per week!
If you have any questions about the Eat at Home Menu Plan service, just leave a comment and I’ll do my best to answer your question promptly!
P.S. Don’t forget, the Eat at Home Menu Plan service is only on sale until tonight at midnight! Use coupon code YES at checkout to get 30% off — that’s the lowest price you’ll get this year! Find more details on these fantastic menu plans here.
Note: Some of the links in this post are affiliate links. If you click through and make a purchase, we will receive a commission — at no additional cost to you! Thank you for your support. [...]
Americans waste a lot of food.
In fact, 31% of retail and consumer food goes uneaten, according to the USDA. That’s almost a third.
It’s easy to understand why.
We’ve all been there — you go grocery shopping with great intentions. Then you come home, only to be seduced by the convenience of pizza delivery or takeout Chinese.
But if you store your groceries properly, they’ll last longer — and you’ll have a better opportunity to cook them.
Most of what you’re throwing away is probably fresh produce.
Shelved items usually have a pretty decent, well, shelf life. And most of us know how to quickly freeze up the meat from the grocery.
But produce is a fickle mistress. Different items need to be treated in surprisingly different ways for the best results.
How to Store Fruits and Vegetables So They Stay Fresh
Through proper food storage you will not only contribute to ending food waste, you will also save a ton of money, too. So here’s how to store your fruits and veggies.
Although they look lovely in a basket, apples are actually a great fruit to put in the fridge!
In fact, they only stay fresh a few days on the counter. They’ll do best in the crisping drawer.
Make sure your fridge isn’t cold enough to freeze them! All of their cells will rupture, leaving you with mealy apples — yuck.
Also, because apples produce a gas called ethylene as they ripen, never store them with potatoes. The gas is harmless, but it can make your potatoes go soft and sprouty well before their time.
(Your potatoes shouldn’t be in the fridge, anyway! But we’ll get to that.)
This is a fun one, because you have so much control over the ripening process!
If your avocados are still hard and green, leave them at room temperature on the counter to ripen.
If you need to speed up the ripening, stick them in a brown paper bag so they’re trapped with their ethylene gas — they’ll be ready for guacamole in no time.
But if you’re trying to keep a ripe avocado around longer, the solution is simple: Stick it in the fridge.
The cool atmosphere slows the ripening process, so you can keep your avocado’s freshness level right where you want it for a few extra days.
If you want to keep a whole bunch of bananas fresh for a longer period of time, here’s a secret: Wrap the stems in plastic wrap.
You can either leave them in the bunch and wrap all the stems together, or separate the bananas and wrap them separately — which might make them last a little bit longer.
Why does this work?
It’s ethylene gas again — and by wrapping the stems, you trap the gas and keep it from reaching the rest of the banana so you can take your time eating them.
You can also peel your bananas and freeze ‘em. I love using frozen bananas as a healthy base for my morning smoothie!
No matter how many times you’ve seen broccoli tightly wrapped in plastic at your local grocery, it’s not the best way to store it — unless you’re eating it tonight.
Raw broccoli requires airflow and moisture to stay fresh.
One ideal way to keep it is something you probably don’t do: Put it stem-side down in a vase with water in the fridge.
By making a broccoli bouquet, you’re providing water and still letting the bushy tops get the oxygen they need. Your head of broccoli might last up to a week this way!
If that seems a little intense to you, you can also loosely wrap your broccoli in damp paper towels and refrigerate. It’ll keep this way for up to four days.
If you love fresh berries, but hate how quickly they go moldy in your fridge, here’s the secret: Give them a vinegar bath.
Then store them on paper towels to help soak up moisture.
White vinegar kills the spores fresh berries accumulate before they arrive in your kitchen, giving you some extra time to snack on them before the fuzzies set in.
And if you rinse them well, they won’t taste a hint like vinegar, promises Allrecipes’ Vanessa Greaves.
One caveat: This treatment might be a bit much for raspberries, which are quite delicate.
Just rinse before you eat them — and do so quickly (which shouldn’t be hard! Raspberries are so good…)
Slice off the green tops, which draw moisture from the carrots, making them wither more quickly.
Then place them, unpeeled, in a sealed plastic bag in your refrigerator’s crisper drawer for up to two weeks.
If you buy pre-trimmed carrots, like baby-cut, here’s a hint: They last longer if you submerge them in water in a tightly-covered container!
Just be sure to change the water frequently.
7. Citrus Fruit
Today in “stuff this Florida girl should’ve known:” Citrus fruit should be refrigerated!
Apparently, the vegetable drawer is the best spot — and don’t enclose oranges in airtight bags or containers.
These guys shouldn’t be in the fridge, which is definitely news to this salad-eater!
They’ll go soft days in advance if they’re stored below 50 degrees.
They’re sensitive to ethylene, so keep them away from other countertop dwellers like bananas and tomatoes.
9. Fresh Herbs
Fresh herbs can be one of the biggest problem items when it comes to throwing groceries away.
Recipes always call for so little, and they’re sold in such big bunches!
Having trashed a phenomenal amount of cilantro and parsley in my time, I won’t even pretend to be an expert on this.
Fortunately, J. Kenji López-Alt over at Serious Eats is.
The short story? Rinse herbs and dry thoroughly in a salad spinner, then transfer to paper towel rolls or stand upright in mason jars of water depending on the herb.
The long version? Click through for the full details.
10. Leafy Greens
If you’re trying to get more of these nutrient powerhouses into your diet, good for you!
But they can be a little intimidating to clean, prepare and store.
To keep leafy greens like spinach, chard and collard greens fresh longer, wash and dry them well, then wrap them in paper towels.
Keep the bunches whole, unless you plan on using them soon. Then place the paper towel roll into a perforated, unsealed plastic bag.
If you’re dealing with salad greens, dumping washed leaves into a paper towel-lined plastic storage container is your best bet.
First things first: Don’t store onions in direct sunlight.
Keep your onions in a cool, dark, well-ventilated and dry place.
Some people store them in tied-off pantyhose and hang them on the back of a pantry door. It allows them to breathe, while evaporating any moisture they come in contact with quickly.
Properly stored onions can stay fresh up to six months!
Potatoes do best in a cool, dark, dry place — but not too cool.
If potatoes are stored under 50 degrees, their starches can convert to sugar, which may sound good, but is actually (really) bad.
Potatoes exposed to too much light may sprout. They’re still safe to eat, but you should cut the sprouts off first.
P.S. You may notice that potatoes and onions like similar environments, but you’ll want to find two different cool, dark, dry spots in your house. If you store them together, they’ll both go bad more quickly.
You’ve probably heard that putting tomatoes in the fridge ruins their flavor.
But if you’ve come into an abundance of tomatoes you can’t quite keep up with, stick the overripe ones in the fridge to keep them from rotting for a few more days.
Just bring them back to room temperature before you consume them.
Jamie Cattanach (@jamiecattanach) is a contributor to The Penny Hoarder.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
Want to see what we bought for this week’s $70 grocery budget? I’m currently challenging myself to stick with a $70 budget for our family of five. This includes almost all of our breakfasts, lunches, snacks, and dinners + most household products (toiletries, laundry soap, etc.).
For live updates, be sure to follow my Instagram Stories. See all posts on my $70 Grocery Budget here.
Well, it was another week of travel and adventures — so I didn’t track what we ate in order to share in a post. But I did make it to Kroger twice and Sprouts once and got some great deals.
I thought it would be fun to share a little peek into our week + what I bought at the grocery store.
For Father’s Day, Jesse wanted to try out this new brunch restaurant in town. It was delicious and we had fun celebrating this man we love so much!
We also ran by Kroger and Sprouts to pick up some deals. Sprouts was having their weekend deals and I didn’t want to miss them.
Sprouts Shopping Trip
Sweet corn — 6 for $1 (weekend deal)
3 dozen cage free eggs — $1.88 per dozen (weekend deal)
1 Coconut Bliss “ice cream” — used free coupon (I got the Peanut Butter Chocolate and it is good!) — I forgot to take this out of the freezer to put in the photo!
Total with tax: $7.49
I also wanted to get to grab a few of the Kroger Buy 5, Get $5 off deals on Sunday since I knew I was going to be out of town for the next few days. I especially wanted to get 5 boxes of the $0.99 Quaker Granola bars.
Kroger Shopping Trip #1
5 boxes of Quaker Granola Bars — $0.99 each when you buy 5 participating items
2 bags Jef Puffed Marshmallows — marked down to $0.69 each (I’m going to stick these in the freezer for rice krispy treats.)
3 packages of Hillshire Sausage — $1.88 each with weekend deal
Private Selection Barbecue Sauce — used free coupon (no longer available)
1 bag Kroger Pot Roast — marked down to $5.49
5 bags of produce — marked down to $0.99 per bag
2 packages of ground turkey — marked down to $2.69 each
Izzio Multigrain Bread — marked down to $1.29
Spinach — marked down to $1.79
5 packages of Goldfish — $0.99 each when you buy 5 participating items
Kroger Private Selection ice cream (not pictured — I forgot to take it out of the freezer for the picture!) — used free coupon (no longer available)
Milk — $2.69
Kroger oatmeal — $1.59, used $0.40/1 coupon Kroger mailed to me = $1.09
Total with tax: $42.12
I left on Monday morning to fly to Dallas for my mom to have surgery.
My Time in Kansas
I rode back to Wichita, KS with my parents on Monday evening after my mom’s surgery and I stayed with them through Wednesday evening. I got to hang out with my mom and help take care of her during the day while my dad went to work.
In addition to getting to spend lots of time talking with her, I helped a little with my brother’s eBay business (my Mom and sister are running the business for him while he’s away serving as a counselor at the Wild’s camp in NC), and make yummy food for my mom and me (she’s the one who first inspired me to love salads so much!)
I flew back to TN on Wednesday night — just in time to celebrate Kaitlynn’s birthday on Thursday! Can you believe she is 12?
I wrote a letter to her here that shares some of my thoughts on her life and the joy and spark she brings to us.
I always take each child out on a birthday date of their choosing. Kaitlynn chose to go to a place that makes rolled ice cream and Bubble Milk Tea. It was my first time to have both of them and we had such a fun outing together!
Our Trip to Iceland
As many of you know, it’s our family goal to visit all 7 continents and 50 states by the time Kathrynne turns 18. We had planned to visit Europe this summer but prices to places like London and Rome are crazy during June and July. However, I found some cheap tickets to Iceland and jumped on them!
So we packed up on Friday morning to head to Iceland… but not before hitting the Friday-Saturday Kroger deals (I couldn’t pass up $0.99 cheese!)
Kroger Shopping Trip #2
4 bags of Kettle chips, 1 bag of Snyder’s pretzel’s — $0.99 each with Friday-Saturday deals
5 packages of Kroger cheese — $0.99 each with Friday-Saturday deals
5 bottles of Pace salsa — $0.99 each with Friday-Saturday deals
1 package bacon — $2.99 with Friday-Saturday deals
Total with tax: $18.96
Grocery Totals: $68.75
Cashback Earned: 375 points back from Fetch, $0.06 from CoinOut,
Want to follow along with our Iceland trip and get tips for how we are doing it on a budget? Be sure to follow my stories on Instagram this week! [...]