5 Ways to See Your Favorite Sports Team on a Budget

Seeing your team win in person can be great, but it can also be very expensive. If you’ve ever been to a game, you know very well that even cheap seats don’t really come cheap. Plus, if you want to take your entire family with you – it will cost even more. You’ll be paying for game tickets, snacks, parking, and most likely a souvenir or two. What some may not realize, is that you certainly can attend a sporting event on a budget.

Here are five ways to not to miss out even when you’re on a budget:

Keep an Eye Out for Discounts

If you’ve never heard of “discount nights,” read on. Some sports teams offer all-in-one deals that cover everything from parking, tickets, and food. You just have to take your time to compare prices, stay tuned for updates, and save the dates on your calendar. This will give you more than enough time to plan and save up.

Consider Buying from Resellers

Buying tickets directly from your sports team is still the most popular option, but there’s a less expensive world you may not have explored: ticket reselling. You can typically find deals on platforms like StubHub, eBay, and Facebook Marketplace. Just make sure you’re buying from legitimate sellers. One way to do this is to check their reviews and ratings.

Say No to Buy Now, Pay Later

As they say, “If it sounds too good to be true, it probably is.” You might be asking yourself, why shell out $500 when you can pay for the total in five easy installments? These types of online payment plans are only good if you can pay consistently, but what if you suddenly can’t? You can easily rack up interest, and you’ll usually end up paying more than what you’ve bargained for.

Try the Cheap Seats in the Back

We’ve already mentioned that cheap seats aren’t exactly cheap, but they’re still exactly that — the cheapest. You and your family may not be able to see your favorite players up close, but at least you’re ready to cheer them on even if you’re all seated on the upper level.

Rely on Word of Mouth

Have you ever been to a game and noticed empty seats? We have two words for you: Ask around! Sometimes, tickets don’t get purchased. Other times, there’s that colleague of yours with an important family event to go to, who needs to sell their tickets — fast. Try to negotiate, especially when the date is close. You’ll likely end up with a good deal.

To Wrap It Up

Attending sporting events can be a fun experience for you and your family, but going to a live game can empty out your wallet. If you want to have fun at sporting events without breaking the bank, keep these tips in mind to stay within your budget.

Go team go!

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How to Save on PSLs this Fall

If you’re a pumpkin spice latte lover – this is probably one of your favorite times of the year. However, this tasty Fall coffee drink can get expensive. How can you save some money during PSL season? Follow these money saving tips!

1. Join a rewards program. If you’re a frequenter of Starbucks, Dunkin, or Panera Bread for your PSLs – make sure you subscribe to their rewards program and use their mobile apps for extra savings. You’ll be able to rack up points with each purchase for future discounted or free menu items.

2. Make your own PSL at home. It’s much easier than it may sound! Follow this recipe, which will get you two 10 ounce pumpkin spice lattes.


  • 2 cups of milk
  • 4 Tbsp of canned pumpkin puree
  • 2 Tbsp sugar
  • 2 Tbsp vanilla extract
  • ½ tsp pumpkin pie spice
  • ½ cup of brewed coffee or espresso
  • Whipped cream (optional)


  • Stir the milk, pumpkin puree, sugar, vanilla, and pumpkin pie spice together in a stovetop pan over medium high heat. Bring it almost to a boil, but don’t actually let it boil. Stir constantly and after about one minute, the mixture will begin to froth.
  • Pour the mixture into two mugs, then slowly add your brewed coffee or espresso by pouring it at the edge of the cup so your milk stays frothy. If you’d like, top with whipped cream and another pinch of pumpkin pie spice topping or a dash of cinnamon on top. Enjoy!

3. You can also DIY your own pumpkin spice coffee creamer. If you’d rather brew your own regular coffee at home, but make your own pumpkin spice creamer – check out this easy recipe!


  • 1 & ½ cups of heavy cream or half & half
  • 2 Tbsp of canned pumpkin puree
  • 2 Tbsp of maple syrup
  • ½ tsp pumpkin pie spice
  • 1 or 2 cinnamon sticks


  • Whisk together the cream or half & half, pumpkin puree, maple syrup, and pumpkin pie spice in a small stovetop pan over medium heat. Add a cinnamon stick and turn the heat up until the mixture is boiling, whisking occasionally.
  • After one minute, take the mixture off the heat and let it cool for five minutes before adding it to your home brewed coffee.
  • You can keep the leftover creamer in your fridge for generally about one week afterward – just be sure to shake it before using. Enjoy!

And there you have it – three simple ways to save on the most popular coffee drink of the season. Happy Autumn!


Article Source: Pennyhoarder.com

3 Easy Ways to Save Money this Summer

Wouldn’t you rather spend your money on making lasting memories with friends and family this summer? If you’re on a tight budget but still want to enjoy all that summer has to offer, here are three easy ways you can save.

  1. Save up to $300 by packing your lunch. Making your lunch is usually healthier and cheaper than eating out. Instead of buying lunch every day, take a few extra minutes in the morning (or the night before) – and make your lunch at least two or three times a week. You could save $20–30 each week, which will add up to $200–300 throughout the summer!
  2. Let Mother Nature dry your clothes. Give your dryer a break and let the warm summer air dry your clothes for free. You can also use cool water in the washer more frequently, which can clean your clothes just as well as warm or hot water. Changing up your laundry habits is an easy way to start saving money on summer bills.
  3. Earn up to $100 by selling your old clothes. No time or space for a yard sale? Clean out your closets and take those clothes you “might wear… someday” to a consignment shop, or sell your clothes from home through an online marketplace like thredUP or Poshmark. Put the money you make toward a summer vacation.

How about one bonus way to save?

Did you know you’re not stuck with the car loan you got at the dealership? Dealers can make a good bit of profit by increasing the rate on customers’ initial auto loans. For example, Lender “A” offers a loan at 5% APR but you may end up paying 7% APR with the dealer. You may be able to save money and/or lower your interest rate by refinancing your vehicle loan with us.*

It costs nothing to find out if you could save, and you may then be able to pocket some big savings to use for a vacation this summer.

Get started by completing our quick Auto Loan Review Inquiry Form.

*APR = Annual Percentage Rate. Not all applicants will qualify, subject to credit approval. Additional terms & conditions may apply. Actual rate may vary based on credit worthiness and term. A First Financial membership is required to obtain a First Financial auto loan and is available to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties. Current loans financed with First Financial FCU are not eligible for review or refinance.  See credit union for details. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan.

Valentine’s At Home and Virtual Date Night Ideas on a Budget

This Valentine’s Day looks to be a little different, as the global pandemic continues. If you are unable to get out for a Valentine’s date night this year, or feel safer celebrating at home – here are some low cost ways to enjoy Valentine’s Day at home or virtually.

If You’re Celebrating V-Day At Home:

Fine Dining. You can definitely recreate a restaurant experience at home, complete with dressing up for the occasion and actually sitting down and/or being waited on. Take it a step further by printing real menus, get dressed up, set a fancy table, and pick your own restaurant name. Have fun cooking something you typically don’t make together, or if you have children who will be home and want to participate – include them as well and make it a fun family affair.

Ballroom (or any kind of) Dancing. You might not make it out to your local dance studio or any Valentine’s Night Out Parties this year, but that doesn’t mean you can’t still learn how to dance or dance at home and still have fun! Find a YouTube video, clear out a spot on the living room floor, and give it a spin.

Game Night. Maybe it’s not the peak of romance for some, but sitting down to a game of Scrabble or Monopoly together is a great way to spend some quality time while also giving your brain a workout. Get dressed up, serve up some snacks and pour the wine to make it feel even more like a date night.

Virtual Hometown Tours. If you didn’t grow up in the same place as your love, Google Earth offers a great date night opportunity – a virtual tour of your hometown, complete with stops at all the most important places. Even if you are both from the same area, use Google Earth or Google Maps to show your sweetheart around your college campus — or explore a city you’re hoping to visit together someday.

At Home Spa Services. Treat yourself — and your significant other, to some DIY indulgence. Whether you give each other manicures, facials, or massages, it’s bound to be more affordable (and more fun) than it would be in a salon or day spa. Check out this list of spa treatments you can do at home.

If you can’t be with your love in person this Valentine’s Day, here are a few virtual ways to celebrate, or adapt some of these ideas to your at home February 14th plan:

Virtual Coffee (or Cocktails). Zoom and FaceTime make it easy to recreate classic first date ideas like grabbing a drink together, or a cup of coffee while chatting over your drink of choice.

Read to Each Other. This can be romantic whether you’re at home together or apart. If you’re not in the same location, you can read to each other via video chat or over the phone. The options are endless, choose a book neither of you have read before or revisit an old favorite.

Live Stream Concerts and Events. Since the pandemic began, many entertainers have transferred their live shows to streaming services or made them available on their websites. Many are even free! Re-create the concert experience at home with a drink and sport some concert attire. Not to mention the added bonus of being able to hear each other talk during the virtual show and not have to shout over the music.

Virtual Movie Nights. It’s always fun to snuggle up with your sweetheart for a movie, even if it’s on the couch at home. If you’re stuck apart this year, you can spend time in front of the screen together. A browser extension called Teleparty is able to sync Netflix, Disney, Hulu, and HBO videos for multiple viewers while also providing a scrolling text chat along the right side of the screen. Don’t forget the popcorn!

Arts and Crafts. A romantic idea for the daring: paint or draw each other while on a video chat application. If that’s a little too intimidating, you could also spend virtual time together being creative with a craft like knitting, cross-stitch, or something else entirely. Plan to gift each other the products of your art creation!

Some Other Tips: If you’re at home together – put away the phones and digital devices, and look for the joy in the little moments spent together. If you’re spending the holiday apart or virtually – get dressed up anyway, and remember this is only temporary.

Happy Valentine’s Day!

Article Source: The Penny Hoarder


Delicious Homecooked Meals: It’s Easier and Cheaper Than You Think

As the old slogan says, “Set it and forget it!” The days are getting shorter, and the nights are getting longer. Whether you’re running around with your kids, running around with your pets, or running because that is your chosen form of exercise – it feels like there are truly never enough hours in the day this time of year. Sure, your favorite local restaurant delivers – but there’s no beating a comforting homecooked meal. The average commercially prepared meal costs $13, while on the other hand – the average homecooked meal costs $4.

Now, it’s true that not everyone enjoys cooking or considers themselves skilled at it. However, you can make delicious, cheap, and easy meals with an Instant Pot or Slow Cooker! We’re all about making your life easier here at First Financial. We wanted to share some of our favorite easy, low cost recipes to help you out during the upcoming busy holiday season. With each recipe we’ll give you a way to dress it up, as well as how to cut some costs.

For the first two recipes, we’ll be using an Instant Pot. This handy kitchen device can do it all – from sautéing, pressure cooking, and everything in between. If you don’t have one, they are regularly on sale (especially now as we start to approach the upcoming holidays) and come in various sizes.

*Note: If this is your first time using an Instant Pot, be sure to read the device set-up instructions carefully and complete the water test first.

Instant Pot White Chicken Chili

Creamy, hearty, and comforting – this recipe is a new take on the classic chili. If you aren’t a huge bean fan, feel free to cut back on the specified amount or omit them completely. Serve this chili with tortilla chips for a delicious and easy Southwestern meal.

Ingredients for White Chicken Chili:

2 large chicken breasts

15 oz can black beans (drained and rinsed)

15 oz can white kidney beans (drained, not rinsed)

1 medium red onion, diced

15 oz can of corn (do not drain)

10 oz can of Rotel diced tomatoes with green chilis (keep the juice)

½ cup chicken broth

1 ½ tsp chili powder (use less if you want to cut down on spice)

2 tsp cumin

Ranch dressing packet

8 oz package of cream cheese cut into six pieces


1. Place all of your ingredients into your Instant Pot bowl in the following order: 2 chicken breasts (uncooked), your drained black and white beans, chopped onion, undrained corn, undrained Rotel tomatoes/green chilis, and ½ cup chicken broth.

2. Add the chili Powder and 1 tsp of cumin, as well as the ranch packet. Stir everything to combine. Be sure to lift the chicken breasts slightly so that some of the juices will get underneath the chicken.

3. Place your cut cream cheese dotted across the top of your chili. Then place the lid onto the Instant Pot and seal.

4. Cook the chili for 20 minutes on manual high pressure. Once the cooking is done, allow the Instant Pot to de-pressurize naturally for 10 more minutes. Then, completely release the pressure on your Instant Pot.

5. Remove the chicken breasts from the mixture and shred them. PRO TIP: You can easily shred cooked chicken by placing it in a bowl and using a hand mixer. Before putting the chicken back into the chili, stir the chili. Once everything is combined, return the chicken to the chili. You’re now ready to serve.

Tip: If you want even more spice, add a diced jalapeno to your chili mixture. For more spice, use more seeds.

Money Saving Tip: If you don’t use much cumin, buy a packet of taco seasoning instead. You’ll be ready for tacos and won’t have to spend money on a spice you rarely use.

Instant Pot Spaghetti

This is the ultimate easy Instant Pot recipe from the noodles to the sauce. Not only that, but this is a supremely versatile dish. You can add as many vegetables as you want, or take out any of the veggies listed in the ingredients too. You’ll want to serve this spaghetti with garlic bread (with cheese for a real crowd pleaser).


1 lb. lean ground beef

½ teaspoon garlic powder

½ teaspoon onion powder

1 tsp Italian seasoning

¼ tsp red pepper flakes (more or less depending on your spice tolerance)

1 lb. box of dry spaghetti noodles

24 oz jar of your favorite pasta sauce

5 mushrooms, diced

36 oz of water

1 can of crushed tomatoes

Salt and pepper to taste


1. Turn on the Instant Pot to the sauté setting and add the ground beef. Sprinkle in the garlic powder, onion powder, and Italian seasoning. Add some salt and pepper to taste. Cook the meat until completely browned, breaking up any large chunks. Turn off your Instant Pot and once the meat is cooked, you may want to drain any excess grease.

2. Break your spaghetti in half and place it on top of your meat. Pour in the sauce, crushed tomatoes, water, red pepper flakes, and mushrooms. Make sure the pasta is completely submerged in the water.

3. Seal the Instant Pot and cook for 8 minutes on manual high pressure. When the time is up, manually release the pressure. Once the pressure is fully released and not steaming anymore, open the Instant Pot and stir everything together.

4. Serve immediately.

Tip: If you aren’t a big beef fan, you can easily substitute Italian sausage for the beef.

Money Saving Tip: Pasta is essentially universal, save yourself a couple of bucks and buy the store brand.

Slow Cooker Chicken and Stuffing

Even when it’s not Thanksgiving, there is something comforting about a home cooked meal that includes stuffing. The good thing is, it pairs just as well with chicken as it does with turkey. And with a recipe this easy, you can have it any time of the year! This recipe takes minimal effort and will make your home smell amazing besides.

*Note: For this recipe, you can use an Instant Pot or a traditional Crock Pot.


14 oz bag dried seasoned stuffing mix

1 sweet onion, diced

2 stalks of celery, diced

2 (10 oz) cans cream of chicken and herb soup

½ cup chicken broth

1 tsp ground sage

2 garlic cloves, diced

1 ½ lbs. boneless skinless chicken breasts

Salt and pepper to taste


1. Spray your Instant Pot or slow cooker with non-stick cooking spray.

2. Add the chicken broth and stuffing mix to the slow cooker and stir to combine.

3. Sprinkle the sage over the top.

4. Lay your chicken on top of your stuffing mix and season with salt, pepper, and garlic.

5. Cover and cook on low for 4 hours and 30 minutes if you’re using a crockpot, or pressure cook manually on high for 25 minutes in your Instant Pot.

6. Remove the chicken and shred, cube, or serve whole.

7. You’re ready to eat!

Tip: Sage is what will give this meal a holiday flavor, but if you aren’t a fan, you can substitute for rosemary instead. Just as tasty! If you are using an Instant Pot, you may need to add more broth – more than likely 1 cup instead of a ½ cup. You’ll want to make sure all the ingredients are submerged before pressure cooking, if not – add more chicken broth.

Money Saving Tip: Buy a large carton of chicken broth instead of smaller cans. It will go a long way and will keep for quite some time, plus you’ll be able to use it in multiple Instant Pot or Slow Cooker recipes.

There you have it! Three meal ideas that won’t break the bank and don’t require a Michelin-Star chef to prepare. When it comes to cooking at home, just get started. Not every meal may turn out perfect, but the money you save will be worth it. And you really can’t go wrong with the ease of use of an Instant Pot or Slow Cooker. Enjoy!

How to Create a Space Saving Garden on a Budget

Were you scrolling through Pinterest during quarantine and trying to figure out how to create your own garden, but you don’t have a lawn or much backyard space? Even if you only have a small area for plants or vegetables, that doesn’t mean you can’t enjoy your Pinterest-worthy garden. Here’s how you can make the most your urban, space-saving, garden on a budget.

Seeds vs. Potted Plants

Did you know that buying plants and flowers from seeds is less expensive than buying a full-grown potted plant? When shopping for your urban garden, consider whether you want to splurge on the already grown plant or if you want to save some money and grow your garden and flowers from seeds. Your local garden shop, nursery, or home improvement store should have both seeds and potted plants for you to choose from.

Pro Tip: Save some green by using seeds from the vegetables and fruit you already eat!

Annuals or Perennials

Another thing to consider when choosing what plants to put in your urban garden is longevity. Plants and flowers that are considered annuals bloom once a year, and then their time is done. Perennials are plants that bloom once a year, but do not die. They re-bloom the following season and remain alive. In the long run, it is more cost effective to buy perennials that will last longer, however they may be more expensive than annuals. One way to look at this is to consider your garden as an investment.


Look around your home. Chances are you have old pots, glass bottles, or unique boxes and containers already there for you to use and plant your garden in. This will help you from having to pay for containers and pots at the store that are costly. Using what you already own is also eco-friendly as well as cost effective. Recyclable glass sauce jars are excellent for propagating plants you already own, or growing a new plant from the trimming of another plant.

Pro Tip: Leftover vegetable cans are great for growing herbs in the kitchen.

Now that you have chosen between seeds and potted plants, annuals or perennials, and found the perfect container – it’s time to talk about the placement and functionality of your urban garden.

Save Space

Save some room in your home and on your patio by planting vertically! Ferns are great for hanging from the ceiling or above, and any vining plant will grow well vertically in a hanging pot. Save room in style!

Pro Tip: Trendy macramé planters are not only beautiful, but extremely functional for a space saving option.

Another option to save room is to use a balcony railing. Use rail planter boxes to save room on the ground. This is also a great way to add additional privacy to your patio.

Lastly, put your potted stationary plants that are on the ground onto some rolling carts. Rolling carts for your plants are a great option to move your plants around for optimal sunlight, but also functionality. If you need to move a potted plant to have room, simply roll it to where it needs to go.


If you’re looking for added privacy at your home, plant tall grasses and put them up against railings. This will add an extra level of privacy and create an outdoor oasis!

Pro Tip: Most grasses are perennials! Plus, if you use rail planter boxes – you’ll have more privacy.

You’re now ready to start a space saving garden on a budget! When you go out to shop for your plants and supplies, don’t forget to take your First Financial credit card with you, so you can earn rewards or cash back on all your purchases. Happy gardening.

*APR varies up to 18% when you open your account based on your credit worthiness. These APRs are for purchases, balance transfers, and cash advances and will vary with the market based on the Prime Rate. Subject to credit approval. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. No Annual Fees. Other fees that apply: Cash advance fee of 1% of advance ($5 minimum and $25 maximum), Late Payment Fee of up to $25, Foreign Transaction Fee of 1% plus foreign exchange rate of transaction amount, $5 Card Replacement Fee, and Returned Payment Fee of up to $25. A First Financial membership is required to obtain a VISA Credit Card and is available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties.