May 21, 2013

Home Sweet Frugal Home #4

Home Sweet Frugal Home - Frugal Tips

Are your dollars not stretching as far as they used to? Everyone has different reasons for wanting or needing to cut back.  I thought I’d start sharing some frugal things that we do as a way to not only encourage myself to stay on tract, but maybe give someone with similar goals some ideas.

fresh garden vegetables

We’re still harvesting some summer vegetables! I put my eggplant and bell peppers under row covers since our nights and mornings are cold and they are still going like it’s July!  We’ll see how long I can keep them going. The cherry tomatoes are still doing well. I took out all but one regular tomato plant. It still is producing (although smaller and smaller tomatoes).  The kale plants from last fall are still giving me enough kale for morning smoothies or to put into soup (and the new ones are growing well).

If you didn’t plant a garden this summer, now is the time to start thinking and planning for next summer!

-The best thing I’ve done in the past few weeks concerns a prescription medicine for myself.  All summer I’ve been battling some sort of chemical imbalance that threw my blood pressure for a loop. My doctor tried so many different types of BP meds and combination of meds and nothing  really worked or worked but I had horrible side effects. Then I went to a Nephrologist (specializes in BP) and he gave me samples of a med which I’ve been on for the last month and it’s working. I feel like my old self now :)

So we decided that this was the medication I would take for the time being. Well I went to fill the prescription— $106 for 30 pills!!  It’s a “new” medication (really it’s a few years old but I guess to  insurance companies that’s new).  I had two more weeks of samples and I had to decide what to do. Pay that crazy amount every month and feel good or call and say it wasn’t covered on my insurance and go through trying different meds again (which was not fun).

I decided to do some research and looked the medicine up (I was trying to see what would be similar) and to make a long story short – the website for the med offered some sort of prescription assistance plan. Not based on income or anything like that. You just had to sign up with your personal info and then it gave me a card to print out to take to the pharmacy to get a discount. I didn’t know if it would work. But I took it to Target and asked how much it would be with this program and they said $37!! Every month – not just once!

Now $37 a month is more than I would prefer to spend but it’s a lot better than $106 a month!  So my advice before you say no to an expensive prescription – check around not only at different pharmacies for the price, but look online and see if you can find any discount programs.  Apparently they’re out there!

home made french bread

-My daughter made french bread for the first time and it was delicious! This is the recipe she used. Crusty French Bread  from Salad In  Jar.

-We haven’t purchased any bread, tortillas, or store bought baked items in months!

apple muffin

-I had two apples that were getting old and had a few bad spots.  I chopped them up and made this apple bread recipe into apple muffins. She already uses applesauce to replace some of the fat.  I did tweak the sugar as it’s got a brown sugar/cinnamon topping so I didn’t think it needed that much sugar in the muffin. I also used half whole wheat.  Yummy, healthy and no food waste!

urban farm magazine

I got a subscription to Urban Farm for $4.50 (actually a renewal) through  Money Saving Mom here. I don’t know if it’s still good – it’s through DiscountMags.  But that’s a great price since one issue costs $5.99.

She’s had quite a few magazine deals lately and I’m sure will continue to have more. These make great stocking stuffers. I usually print off a “certificate” to put in the stocking and sometimes I’ll buy an issue if I know it won’t get here in time and attach the certificate to it.

A huge thank you to everyone that used my referral link to sign up for Swagbucks!  If you have questions just email me.  Money Saving Mom is doing a series on 31 Ways to Earn Extra Cash Before Christmas and here’s her post about  Swagbucks.

Crinkle Cutter

Free From Amazon Using Swagbucks!

I used it to buy the crinkle cutter above. It’s a great way to be able to buy books and pay nothing since you can cash out for Amazon Gift Cards or buy on ebay or etsy since you can cash out for paypal too (as well as numerous other gift cards). My husband does it too and we use his Amazon GC $ to download movies through Amazon Instant Video. Netflix is great but they are slow to send new releases!

flowers in a ball jar

-I clipped some flowers from around my yard for a few arrangements this week. Pretty and free!

-I gave my fake fireplace a new look using materials I already had on hand, which you can see here

My Costco Shopping Trip

Last time I mentioned that I had gotten a free membership to Costco through our American Express Rewards.  We went and signed up last weekend.

Can you believe they don’t sell yeast!! We tried two different Costco’s in the Atlanta area (Cumberland & Perimeter) and neither carries yeast. I asked. That’s one of the reasons I was excited to shop there was to get a big block of yeast!  They did have big bags of bread flour at least.

Overall we were very happy with the prices and quite amazed at all the organic food offerings they had.  But you still have to know your prices. Some things are cheaper on sale at the grocery store or my local Asian market.

  cherry tomatoes

I hope you’ve found some useful ideas here whether you’re trying to pay off bills, or put a child through college (like us), save for a special event, or maybe you just need to cut back to keep pace with inflation (like us).

Well those are just some of the highlights of my recent frugal activities. Be sure to read the comments section of this and previous posts  for more frugal tips:

HSFH #3

HSFH #2

HSFH #1

I love reading all the frugal things everyone does each week so please leave a comment and let me know what you’ve been up to!

 

Cute Homemade Christmas Presents

frugal Christmas gifts

Over the next few weeks I’m going to share some ideas that I’ve bookmarked for  homemade Christmas presents that are cute and easy (or fairly easy) to make.

Unless you’re really good at sewing (which I’m not – I’m just o.k.) or have tons of free time (which I also don’t have), you’ll be like me and need some ideas for presents that are nice but don’t take too long to make!

Here are a few ideas for Christmas presents which I may or may not be making. :)

I love these upcycled t-shirt scarves from Just Something I Made

upcycled t-shirt scarves

She has a very easy to follow tutorial on how to make these just click here

Fabric covered notebooks from homelife. Great step by step tutorial on how to make these here

fabric covered notebooks

Love the idea of giving gifts from the pantry and I think presentation is important!  Flavored Sugars (with cute labels) at Country Living

flavored sugars

Wouldn’t you love receiving this homemade vanilla as a gift. I know I would! The instructions say it takes two months to mature so do it soon.

homemade vanilla

Complete instructions for the homemade vanilla at Style Me Pretty.

scrap fabric necklaces

These are so cute! Scrap fabric necklace by Small Magazine

handmade glove and sock animals

For the little kids in the family. I think even I can manage these cute glove and sock animals! From Martha Stewart. There’s a pdf file for instructions and a video. Read the comments for tips.

These are just a few present ideas I’ve stashed – I’ll post some more next week.

 

Freezing Eggs & Other Money Saving Ideas

I’m always looking for ideas that will help me stretch my dollars. So yesterday I spent a little time searching the internet for useful tips and came across some sites that I thought you might enjoy checking out.  Maybe there’s something new that you haven’t thought of doing for example using free tax software.

eggs in bowl

I know I’ve never thought of freezing eggs when I find a good deal on them.  I will from now on!

How to Freeze Eggs from the Thrifty Couple

The Peaceful Mom has an interesting 30 post series called Living On Less Than $28,000 A Year  that I read through and found some good ideas and things to think about.  She also has Financial Updates where she shares about her family finances.

The Budget Diet has a post on how to Cut Your Spending by $400 A Month. Most of the things she listed I already do but maybe some ideas would be new to you. As usual, I find the comments by readers most interesting.  My favorite comment was.

“Be thankful for ALL you have!  Saves a ton instead of shopping for MORE!”

Something worth remembering!

So read the comments for some awesome tips if the post doesn’t have anything new for you.

 

 

 

Home Sweet Frugal Home #3

Home Sweet Frugal Home #3

Are your dollars not stretching as far as they used to? Everyone has different reasons for wanting or needing to cut back.  I thought I’d start sharing some frugal things that we do as a way to not only encourage myself to stay on tract, but maybe give someone with similar goals some ideas.

One of my favorite things that I did recently was to remake a pair of earrings that were given to me!

Earrings

I loved the color but they were just way tooo big and heavy for me. So I took them apart and re-made them more my style.

turquoise earrings

 

I just used some regular needle nosed pliers that we have and and took some elements off and put some other elements on. This is inspired me to look through my jewelry box to see what other earrings I have that I can re-fashion. Seems when you wear dangly earrings you always lose one dangle or something falls off etc. I’ve seen people make really pretty necklaces and bracelets doing the same thing.

-We continued to make our own bread,tortillas and pizza dough (made some  ”healthy” oatmeal cookies which were nasty so I won’t even bother to give you the recipe).

homemade pizza

- We had homemade pizza for family movie night which we all decided is much tastier (and really much more healthy) than take out. I use turkey pepperoni -1/2 white/whole wheat crust- no salt sauce. I always make one that is all veggies – spinach or kale/mushrooms/onion/broccoli fresh tomatoes from the garden, whatever we have on hand. I also froze some pizza dough rolled out so all I have to do is top it for a quick meal.

ladybug wheelbarrow

Dug up and moved plants – divided plants. Bought clearance plants and shrubs to plant in my garden. I need a lot of shrubs to replace all those that Colonial Pipeline cut down so I’ve been waiting for fall clearance to purchase the bulk of them.

-Planted my fall/winter garden .  Continued to harvest kale, tomotoes, peppers, eggplant, swiss chard, green beans & herbs.

fall grapevine wreath

Made myself a fall wreath from bits and bobs of fall things I had on hand. Not sure if this is the end result or if I’ll tinker with it a bit more. But wanted to show  you anyway :)

blue grapevine wreath

It used to be blue for spring – I spray painted it a mellow yellow for fall. That’s the fun thing about these grapevine wreaths. You can spray paint them to get a new look! BTW I always always see grapevine wreaths at the thriftstore – so look there if you need one. Also Target has little ones in their dollar section right now.

- We got a Free one year Costco membership through American Express Rewards. Very excited about that as I’ve read that it’s a great place to buy yeast and flour in bulk and since we bake our own bread, tortillas, pretzels,pizza dough, cookies etc from scratch we go through a lot of yeast and flour.  My husband has a Corporate card that he uses for travel that we have linked to our family card for reward points. We don’t use our own card very much but since he travels quite a bit we are able to get a couple of gift cards a month from his work expenses (which he is reimbursed for).

hot air popcorn popper

-I was making popcorn on the stove top for snacks, but realized that all that oil I used wasn’t healthy or economical. So I got a hot air popcorn popper for free from Amazon using my Swagbucks gift cards. I’m sure most of you have heard of Swagbucks by now. I do a couple of points programs but Swagbucks is the best one as far as I’m concerned. For all you Kindle Fire users – be sure to download the Swagbucks tv app to your kindle. Much easier and faster to get points than watching Swagbucks TV at the site. I usually get $25 dollars in Amazon GC’s a month and 1 ($5) PayPal.  My referral link if you haven’t signed up yet is here.  I’d be happy to answer any questions you have about how to get started.

Well those are just some of the highlights of my recent frugal activities. Be sure to read the comments section of this and previous posts  for more frugal ideas:

HSFH #2

HSFH #1

I love reading all the frugal things everyone does each week so please leave a comment and let me know what you’ve done!

Home Sweet Frugal Home #2

A Cultivated Nest - Frugal Living

 

Are your dollars not stretching as far as they used to? I know mine aren’t! So I thought I’d start sharing some frugal things that we do as a way to encourage myself and maybe give someone in a similar situation some ideas. 

Be sure to check out the comments in Home Sweet Frugal Home # 1 here for more money saving ideas!

Here are a few highlights of some recent frugal things I’ve done:

aprons

This may seem like an odd thing to include in a frugal roundup post, but one thing I’ve started doing is wearing an apron while cooking. I have about 5 or 6 cute aprons and used to rarily wear them. Then I’d be making tomato sauce (it always splatters) and I’d get sauce on myself or somehow I would get whatever I’m cooking on myself. I’ve ruined so many perfectly good shirts this way! This should help me save money in my clothing budget!

-cut my husband’s hair (I’ve been doing this for years)

-froze leftovers instead of keeping them in the fridge where I’m bound to forget about them and then had leftover buffet for lunch one day. Wasted very little food this way!

Real Simple Magazine

Went to the library and checked out a few dvd’s and books. Also got the last 5 issues of Real Simple for 50 cents at the library (all magazines are 10 cents each at my library). I was quite excited because I never buy this magazine and the cover always looks good.  I think I spent 50 cents too much :) !!

-saved my orange and lemons peels and added to them to white vinegar to soak for when I need to make some more scented all-purpose cleaner

homemade tortillas

My amazing daughter made homemade whole wheat tortillas and then used them to make  taquitos. This was all inspired by the fact that I said no to buying a box of taquitos when we went grocery shopping. Her homemade baked version was delicious and much healthier than buying a box of frozen ones. I also froze the tortillas she didn’t use.

homemade crackers

She also made homemade crackers. This was her first time for making both! They were also delicious!! She had a bit of trouble trying to roll the cracker dough thin – any suggestions?

-In the garden -I harvested more tomatoes , a handful of green beans, 2 bell peppers and enough leaves of kale and swiss chard everyday to add to our morning smoothies. Also planted some lettuce, spinach and radishes. It’s been too hot for lettuce to grow so I’ve had to buy some all summer, but now that it’s cooling a bit it’s a perfect time to seed some.

homegrown garlic

I pulled the garlic I planted last fall about a month ago and have been letting it dry in the garage. I think I have enough organic garlic to last a few months :)

So that’s just a bit of some of the frugal things we’ve been doing lately.

What have you done lately that’s frugal?

 

Home Sweet Frugal Home

Home Sweet Frugal Home

I don’t know about you, but I know our dollars are not stretching as far as they used to. Grocery prices seem particularly bad and with the drought in the midwest are only going to get worse. We’ve also had a significant change in our healthcare costs. We used to have no deductible and only had  a co-pay to see a doctor. Since July we’ve had $2500 deductible (which I met when I had a $10,000 CT scan!). Oh did I mention our second car died and we’ve have 3 people using 1 car in a town that doesn’t have mass transit? So we’re also saving for another car. We want to pay cash.

We’ve never been big spenders but we decided at the beginning of summer that we really needed to do better (we still have two more years of college to pay for as well after all).

So I thought I’d start sharing some frugal things that we do as a way to encourage myself and maybe give someone in a similar situation some ideas. I don’t know how regular this will be but I’m shooting for twice a month.

Here are a few highlights of some recent frugal things I’ve done:

garden harvest

Veggie garden harvest! My bounty from one day in the garden. The temps have been cooling and we’re getting some much needed rain. Me watering my veggies is not the same as a deep soaking rain water! Also harvested herbs. I have another cantaloupe on the vine!

-used white vinegar in the rinse agent container in my dishwasher. Much cheaper and works just as well.

-went through my old “painting t shirts” and cut them up to use as rags instead of paper towels

bowl of cherries

-pitted and froze some cherries my husband brought home from a business trip. He gets a meal allowance when he travels and sometimes when he doesn’t use it all he brings home some things that we wouldn’t ordinarily buy. Like a couple of pounds of organic cherries! I did tell him that he doesn’t have to buy all the fruit in a bag – he can take some out. It was a new and novel idea to him :)   Anyway, I had just bought a 1/2 lb of non-organic cherries the day before and knew I wouldn’t be able to eat all of them before they got soft. So I froze some to use in smoothies or maybe for a nice cherry crisp to have  in the middle of winter- won’t that be a nice treat!

-we stopped eating  a lot of meat as of last November. We really only have meat two or three times a week and even then it’s small amounts. I made creamy basil chicken for dinner and sliced each boneless chicken breast in half – that gives me 2 meals from 3 chicken breasts. I slice them the long way – so they’re thin (like if you pounded them to make them thinner).  We try to make the veggies the bigger portion on the plate.

plants in containers

-all summer we’ve kept a bowl in the sink and a bucket in the kitchen. When we rinse veggies or strain pasta etc. We capture the water in the bowl then empty into the bucket. I use that water for my ferns planted by the front door and all my plants on the deck and porch.

-I watched some YouTube videos on how to dehydrate vegetable and fruits. I do freeze quite a bit of summer produce but I’m running out of room and anyway, I think it’s a good idea to have canned or dehydrated food on hand since you never know when the power will be out. We had an ice storm one year where we didn’t have electricity for almost two weeks!

-my amazing husband fixed our gas grill! He went to use it one day and noticed that the burner bar was totally disintegrated!

broken grill part

We did look at new grills  but even a good inexpensive one was more than what we really wanted to spend. So we found our manual (that grill is 5 years old but we keep all of our manuals in one place). Located the part number – did a google search for that number and found a place that sells replacement parts.

fixed grill part

So for $27 my husband replaced the part and now the grill is good as new! Plus the grill got a good cleaning in parts that you normally don’t even see! Also, it’s something he’s never done before, but he was at least willing to try!

 

laundry drying

 

It’s been so hot that the laundry we hang to dry dries quicker than it would in the dryer! Now that’s hot :)  We always dry our kitchen towels on the line and rack. We don’t always do our clothes. But I’ve found that putting the clothes in the dryer for about 10 minutes when they’re almost dry – makes them soft and not scratchy. 10 minutes vs. the 60 minutes it usually takes is quite a savings in electricity!

cheese stuffed pretzels

-my equally amazing daughter made some cheese stuffed pretzel rolls. They were sooo good! We had them with some salad. We froze half of the dough to make cinnamon pretzels for snacks for another time. Here’s the recipe she used Ham and Cheese Stuffed Pretzels. She left out the ham.

-I also browned 2 lbs of ground beef and froze it for quick meals. We only eat grass fed beef but we eat so little of it that it doesn’t matter that it’s more expensive. I usually add beans when I use it for Mexican recipes and we use it more as flavoring in pasta dishes.

So that’s just a bit of what I’ve been doing lately. What have you done lately that’s frugal?

 

Follow Me on Pinterest

Frugal Link Love

I thought I’d share some Frugal Living links that I’ve found helpful recently:

A Penny Saved is a Penny Earned

Math Tricks to Keep You Frugal -math is involved in frugality! Need to figure out what 15/25/35% off is or estimate how much money you’ve spent etc. Easy to understand tips. My husband, who is in retail , says that people will routinely ask how much something costs that’s 50% off.

How To thrive In Uncertainty – Besides good tips, I like that the writer suggests that giving when you’re in need helps you to not focus on yourself and your problems.

Freezable Foods-ever wonder what you can stock up on at the grocery store and freeze. I routinely freeze cheese (I’ve frozen brie several times when I’ve come upon some marked down wedges), left over sweetened condensed milk, tortillas, deli meat, all kinds of things can be frozen!

I love the We Paid Cash series over at Money Saving Mom. Testimonials from real people for various things – like getting right side up on our upside down mortgage .

Have a great weekend!

 

Making Your Own Cleaning Products

quote
Looks like I’ll be inside for part of this coming week. Rain and storms are forecast. Which is just as well since I’ve been neglecting  my house for my garden! I’m going to take advantage of the weather and deep clean my kitchen.

I thought I’d re-post something I wrote last year about saving money by making your own cleaners. I’ve had a few people email me asking me to get back to including my money saving tips! I guess I haven’t felt particularly frugal lately except in the decorating department so I really wasn’t in a mindset to write any posts on this subject. Plus they take longer to write and I’ve been so busy. So for the time being I’ll probably re-post a few that I’ve posted before until the muse strikes me!
cleanfloors
(photo source: Allposters.com)
Don’t you feel like you’re always cleaning your kitchen? I do! Clean up after the dog who likes to take a few kernels of food out of his bowl and put them on the floor (he saves them for later!), cleaning up after cooking, after kids, after “people” who spill stuff on the floor/counter/fridge and don’t clean it up right away….the list goes on.

Then there’s just the daily maintenance cleaning of dishes, wiping down the countertops, handles etc. Just think about how much money you spend on cleaning supplies in a year for your whole house! Often this is a great area to cut expenses when you’ve already cut everywhere else.

I spend very little on cleaning supplies. You really don’t need to buy window cleaner, floor cleaner, all purpose cleaner or room deodorizers. Just having the following simple ingredients on hand will help you squeeze a few more pennies out of the budget. Really! Price a big jug of vinegar or plain ammonia against any commercial cleaner!

  1. White vinegar (apple cider vinegar can stain)-kills germs, mold & bacteria
  2. Dishwashing liquid
  3. Baking Soda
  4. Lemon Juice (a mild acid that has mild bleaching properties)
  5. Ammonia (I don’t use bleach but I’m sure you all know not to mix these two)
  6. Essential oils (just a few drops)- Optional if you want a bit of fragrance. Although, Lavender and Tea Tree oil have been shown to have antifungal and antibacterial properties – plus the nice smell makes cleaning just teensy bit more enjoyable.

First, I’d like to recommend that you stop using sponges! Clean rags are much more economical because you can reuse old worn out items you already have. I have two sets of rags. Ones that are in good condition and that I can wash again and again; the other is the kind you use for really messy jobs and then throw away (holey underwear for instance). I also love micro fiber cloths!

Also, be sure you label your spray bottles when you make these!
Cleaning
Some Recipes
Greasy Cabinets – 1 tablespoon dishwashing liquid to 1 gallon of HOT water. Especially good if you have painted cabinets like me and need a gentle cleaner.

Fridge Cleaner – 1 qt. warm water & 1 dash of liquid soap or 2 tablespoons of baking soda & 1 qt. of warm water

Microwave Cleaner – a drop of lemon juice or white vinegar in a cup of water – boil in the micro and the let it sit for a while. The steam will softened any spills. Wipe the inside with a rag, rinse with a clean rag.

Floor Cleaner – 50/50 solution of vinegar and water for vinyl and laminate floors. I have Pergo floors – just be sure you don’t get laminate flooring sopping wet. I also dry my Pergo floors with old towels because I find that if I don’t they will look streaky.

Glass Cleaner – plain vinegar works great on mirrors. Try putting a little dishwashing soap in the vinegar spray first to get the chemicals and wax from your old cleaner off the glass otherwise you might have streaks the first time.

All Purpose Cleaner – Ammonia diluted according to directions on the bottle or mix one part vinegar to one part water (do not use on marble)

Toilet Cleaner – Flush the toilet, sprinkle sides with baking soda, add 1/2 cup white vinegar, let it sit for a while (it’ll foam a bit) and then scrub

Sinks & Tubs – Some dishwashing liquid mixed with a bit of vinegar (this is what I used to clean my tiled shower today and it works great) or sprinkle with baking soda and then spray with vinegar and scrub

Homemade Soft Scrub – mix a small amount of baking soda with a liquid detergent until you have a smooth paste. For stains that need a bit of bleaching, I put some baking soda on a half of lemon and rub that on the area

Carpet Cleaner/deodorizer – when we shampoo our carpets we just use vinegar mixed with hot water in our carpet cleaner. The vinegar smell dissipates. You can also sprinkle baking soda over the carpet and let it sit for about 20 minutes and then vacuum.

Room Freshener – open the windows and let the fresh air in if you can! A few drops of vanilla or some other scent you find pleasing on a cotton ball placed strategically in a room works also.

These are just a few recipes that I use to get you started. There are loads of books out now that have homemade cleaning recipes, mostly the “Green Living” kind. You can even make your own dishwasher detergent and laundry detergeant to take it a step further!

I’ve found that I sometimes need to let the cleaner sit for a bit or use a bit more elbow grease than I would with a commercial cleaner. But I think it’s worth it!
roosters
Not only can you save money, but you can control the amount of chemicals that are used in your home! 

I’d love for you to share your own earth friendly/frugal cleaner if you have one! Feel free to link to your blog in the comments if you have a post that deals with this subject.

 

The Envelope System

google images

The envelope system is a great budgeting tool! I used to use it just for groceries and then slacked off but my grocery spending got out of hand. I was using my debit card but it’s just not the same as using the envelope system (at least for me). I would always know subconsciously that I really had more to spend than my allotted amount if I found a “deal”.   I found “deals” every time I went grocery shopping LOL! Now we’re using it for a few more categories besides groceries.

Basically, what you do is create a spending envelope of cash for your budgeted categories. For example, if you are budgeting  $100 a week for groceries. You would put $100 in cash into your grocery envelope and when that’s gone – it’s gone. That’s all you can spend because that’s all the cash you have. Also, if you only spend $60 then that leftover $40 could go into next week’s grocery envelope or you could use it for something totally different.  Like a new china cabinet ~ smile!

Only you can decide what categories to use envelopes for. Some people like to have a gas envelope. Some people don’t want the hassle of going in to pay for fuel, they want to pay at the pump. Someone might spend a lot on cosmetics and want to control their spending in that area. An envelope with a budgeted amount for that category would be a good idea. Me – I hardly wear makeup so I spend close to nothing on it. That’s not a category I need to control.

My snazzy Red envelope system from Dave Ramsey

On the other hand, I have added Books to my envelope system because I could go crazy (and often have) in a bookstore.  Even though we utilize our library AND we buy books at the thriftstore, we still spend waaaay too much money on books.

I’ve also given myself a Thrifting budget. Because honestly, I have a very nice Goodwill  about 10 minutes from my house and I could buy something there every time I go! Whether I really need it or not! Little dribs and drabs of money, here and there, they all add up in the end. So I’ve given myself a small budget to buy totally useless but pretty things. This does not include some major pieces of furniture I’m looking for which is in another budget category and might or might not be purchased at a thriftstore.

I’ve also added Dining Out.We try not to eat out alot, but we were getting into the habit of having lunch out every Saturday along with breakfast out during the week and an occasionally dinner out also. That’s just too much money going out of our budget for that in light of the fact that we have a daughter starting college this year plus we just had to have a new furnace/ac unit installed PLUS all the other things we want to do – on one income.

I’m using my Dave Ramsey envelopes right now. But you can certainly use plain old envelopes as well. Cyndi (Cyndi’s Re-Creations  ) sent me a link to a tutorial Free Envelope Template & Tutorial  that Kelleigh did on her blog  Kelleigh Ratzlaff Designs .

How cute are these envelopes! I’m definitely doing her tutorial  and making my own once the ones I have wear out.

Or how about these cute fabric envelopes made by Heather  Are You Using the Envelope System.

Give it a try. Start with one category and see how it goes. It may take a few months to tweak your budget and get the right amount for each category. So don’t become discouraged if it doesn’t work for you right away.

I think using the envelope system lets you really comprehend how much money you really really have versus some abstract or general idea of how much you have to spend. I’m hoping it’ll keep our spending in line. I’ll let you know in a few months how it’s working for us!

Here are some links to checkout if you’d like more info:
Dave Ramsey Envelope System
Simple Mom – Envelope System - great post about how she manages it
Mvelopes - an electronic version of the envelope system for those that don’t want to carry cash. I’ve never used but have heard alot of good things about it.

 

Total Money Makeover – Book Giveaway

 
 
Happy New Year everyone!
 

Are you all excited about having a fresh start? I am! The New Year really motivates me to think about what I’d like to change or work on. One thing that I’ll be focusing more time on is our finances. I know some of you have that goal too or maybe you know someone that needs help in this area.  

I’m so delighted to be able to offer Dave Ramsey’s Total Money Makeover as this month’s book! Most of you know that I’m a big fan of his (although I don’t agree with his politics). He gives good practical advice and I like how he tells it like it is.  He has helped millions of people take control of their finances.

Take a minute to check out the reviews on Amazon if you’re not familiar with him. You don’t have to be in debt to benefit from reading this book. This book is really for everyone at whatever phase you’re in. From just starting out and you don’t even know where to begin to planning for retirement. Here’s a link to his site that supports this book My Total Money Makeover.

In addition to the book, I’m also giving away his Deluxe Envelope System planner. It includes a place for your cards, checkbook, notepad and pen, coin purse, AND envelopes so you can start using his envelope system (which I’ll talk about in a separate post soon).

To EnterAll you have to do to enter is leave a  comment. Please feel free to enter if you think someone you know would benefit and then pass it on if you should win. Anyone can enter, blog or not. Non-U.S. readers can also enter. I do need a way to contact you so please leave an email addy if you don’t have a blog.

 I will post the winner Monday morning.

Living On and Spending Less – Guest Post

Hi everyone! I have my friend Lyn guest posting today.

I am sure that many of us can agree that it has not been the easiest of times. One of the best things about frugality is that you can be as creative as you would like to be with it or can be. There are many frugal tasks that I would like to do, but I’ve learned this year that I’ve needed to be a bit selective due to health issues.

For example, I don’t use coupons nearly as much anymore and have approached shopping in a more simple way: “Buy it when we need it, and plan ahead when we can.” The two thoughts may not seem to agree with one another – but they actually do. By not using coupons as much anymore I can focus on what is necessary, which allows me to not spend so much time shopping – which comes down to basic foods and less prepackaged foods. By purchasing needs ahead when I can (on sale of course) I am able to not shop as much anymore. I am spending a lot less time dealing with shopping in general.

With a tighter budget I’m needing to again reassess and think of ways to trim the budget. It’s not an easy task to do as we’ve cut back many times already. Some of the easier decisions have been to:

*Reduce the cable bill (we have basic channels only now – without it we have no t.v., and sadly, the boxes did not work for us). This is our only entertainment expense, other than internet.

*Lower the internet bill – I went from a comfortable speed (not the highest) to one of the slower speeds. Yes, if need be we could go to the library, but with 30-minute limits, it would not give us a satisfactory amount of time. I feel that having our internet actually “saves” us money with all that I’m able to research and save on. Our total monthly bill for landline phone, very basic cable and cable internet is $71.00/month. If you want to lower your bills in these areas, you have to ask for the lowest plans available (they usually don’t offer them). Doing your research goes a long way.

Other things that I am doing are to cut back the food budget for short periods of time – in order to be able to save for other necessary things. With the upcoming winter months we have high electric heating bills and more expenses in general. I am sure that many of you can relate! Cutting back the food budget (especially if you have an adequate pantry, fridge and freezer) can help immensely.

My husband and I live on a smaller income and have done so for quite a few years (without me having to sacrifice health and return to work). It’s been a combination of going without, hard work, and especially a lot of grace from God. We continue to not do many things – we don’t go away on vacations, we eat out minimally, in general we stay home and enjoy what we have.

I certainly don’t want anyone to think I am perfect or that I don’t struggle, as I do at times. However, I give up or delay gratification at times simply because it’s necessary. It may not always be fun, but sometimes paying a bill or planning ahead for a need instead of a want may be more important. No one likes to feel deprived, but sometimes it’s something that must happen whether we like it or not.

My current motto to my husband is “If I don’t have to buy it I won’t”. Don’t you ever get frustrated when you feel like all you do is open up your wallet? We all know what kinds of things we can make do with or replace with something else. There are things on my list right now that are off of my list for now and for the long-term. Only you can decide what is or is not a necessity for you and your family. The important part is to be brutally honest about what is a need and what is a want if you need to cut back. For example, I’m reducing paper goods to only toilet paper and kleenex right now (presently I have a stash of toilet paper and paper towels to last awhile). Everything else to me is not necessary – we have cloth napkins, rags for cleaning, even cloth feminine pads.

For those of you who need to live similarly right now or for a season, here would be a few suggestions to start with:

*Go over your budget line by line (reduce anything and everything possible)
*Ask yourself what can you give up? What are some free or low-cost things you could do? I don’t believe in not ever doing something that is fun, but it’s important to be sure one can really afford something. If you can’t pay your bills, you simply can’t afford wants right now.
*Can you have a no-shopping week, a no-shopping month even? If you were to come up with a menu of meals, how long could you go without spending on food and imagine what you could do with that money. (I am presently doing a low-spend month for November on my blog to do just that.)
*Can you share resources or barter with a neighbor or family member? It doesn’t hurt to ask. People may be more receptive, especially in this economy.
*Give even when it seems like you have nothing. Giving some extras or items you may not use to the food pantry or to a shelter will make you feel good instead of focusing on your troubles. There are many things one could do, including giving your time. Giving makes you feel blessed.
*Are there items you could sell to help make a little money? How about selling books on half.com or amazon.com, clothing at the consignment store, or selling on Craigslist? These may not bring in a lot of money, but it all adds up.
*Have a goal of when to put the heat and air conditioning on. Try your hardest to stick to it and find creative ways to keep warm or stay cool. Heating and cooling are some of the most expensive items in the budget.
*Make frugal challenges and it will keep frugality fun, not boring. It will keep away the feelings of deprivation if something is enjoyable, versus a burden.
*Read or reread “The Complete Tightwad Gazette” for inspiration, or read other frugal books and blogs for inspiration.

Personally I find cutting back easier to do than to earn more money, simply due to my health. I can do many cost-cutting measures on my own terms when I am well enough to do them. On my blog I don’t write about getting deals. Instead, I write about living on a smaller income and being grateful with what we have. I enjoy making do versus spending my days looking for bargains. When I do shop, I like to spend as little as possible and prefer not paying more than I need to. Sometimes, spending less is more about not shopping at all. In this materialistic world, we all could learn to live on a bit less. Often less really is more.

Lyn blogs at Essential Thrift. She’s a homemaker who enjoys frugal and simple living and making her husband’s hard-earned income stretch.

*all images are from Google Images

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