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Category Archives: Financial Freedom & Saving Money

Back in the early 1990′s the day after Thanksgiving was simply called what it was:  the day after Thanksgiving.  It was a big shopping day.  I remember my mom braving the late fall snow showers and hitting the mall at 7 AM and returning in the late afternoon.  She put dinner on the table, loaded the dishwasher, cleaned the kitchen and went back out shopping again.  She accomplished nearly all her Christmas shopping in one single day.  I thought she was crazy.

Never did I think twenty years later I would be braving the cold (and thankfully November in Oregon is usually 15-20 degrees warmer than in Michigan) standing in a long winding line at 11:55 PM at the end of a Thanksgiving day in a parking garage counting the minutes until Kohls opened their front doors.  No, I am not a crazy person.  But I do love a good deal.

We have a Thanksgiving tradition of scoping out the ads, circling gift possibilities, making a schedule of store runs, and strategizing where to go first.  Four years ago it meant sleeping in, having a relaxing morning, and trying hit the stores before noon.  Now it’s a little bit more intense. Again I love a good deal.

And Kohls was our hot spot this year.  My kids had toys on their list that we would not be able to afford at full price.  It was beyond our budget.

Honestly we don’t go all out with Christmas gifts and we never have.  Our kids get three gifts from us plus a few stocking stuffers.  They are using their own spending money now to buy gifts for one another.  They also buy and make gifts for teachers, coaches, cousins etc.  We try to emphasize giving as much as possible–not lusting after “stuff.”

Black Friday gets a bad rap and I see why it does–pushy crowds, materialism, people cutting in line, cutting Thanksgiving Day too short.  The truth is I saved  approximately $110.00 buying the doorbuster items at Kohl’s at midnight on Black Friday and using a coupon.  I can’t think of any other day of the year where that would be possible.  Plus I had a great conversation with another lady in line–she  gave me the 15% coupon.  I got to go shopping by myself which hardly ever happens.  Even though we kept commenting about the strange people that early morning Black Friday brings in (and I guess now I am one of them), everyone was generally upbeat including the employees.

Call me crazy, but I would do it again next year.

By the way I was running off adrenaline after I left Kohl’s and went to Wal-Mart where I scored a few deals (but most of the better deal occurred a few hours earlier).  I went to bed at 2 AM.  Then my family went shopping from 10 AM – noon.  And the best part of it was fun, a bonding experience, and we’re almost done with our Christmas shopping.

 


Now that I graduated from a mom of babies and toddlers to a mom with preschoolers and school age children, I feel the push to put my kids in activities.  Soccer to gymnastics to karate to cheerleading–the possibilities are endless.

I was talking to a friend who was signing up her four-year old for tee ball.  The team has fourteen four-year old boys signed up and no brave parent interested in coaching.  I cannot say I blame them.  She said, “The more I thought about it, I questioned why we are doing this.  Does it not make more sense to bat a ball around and play catch for an hour each day in the backyard with my son?  Is that not better than organized tee ball for a four-year old?”

The childhood obesity epidemic is all over the news. There is a push to put our kids in activities all year-long at a young age.  One of my friends pointed out that the year round sports clog up their schedule especially during the dinner hour.  They resort to fast food meals.  Or they eat the candy, nachos, or hot dogs that are sold at the games.  Is this really battling obesity?

I realize some kids are passionate and driven by sports while others are not.  I come from a “non-sports family.” I have been the most athlete driven the past ten years as an adult than as a child.  I do realize the importance of activities.  They give our kids an outlet for meeting other kids, get us more involved in our communities, teach teamwork, build self-confidence etc.

How do we keep our kids active without draining our budget?  Here’s five “frugal sports/activity tips” I came up with.

1)  Do not start them in a sport until they show signs of being ready.  I was talking to a mom who put her three-year old daughter in swim lessons.  She said she wished she would have waited a few years.  Her daughter cried all the way to the pool and struggled through a half hour lesson.  Not worth the hassle.

2)  Utilize parks and pools.  Climbing, swinging on the bars, throwing a ball back and forth are all great activities for preschoolers.  They do not need constant structure.  Some gyms and community pools offer summer only memberships or discounted prices.

3)  Buy used sports equipment.  If you don’t know if they are going to like dance or karate or soccer, use Craig’s List, eBay, or Facebook to find gently used attire and equipment.  You always buy nicer items if they fall inlove with the sport.

4)  Shop around.  There are about five different places my daughter could take swimming.  We intentionally picked a pool right in our neighborhood.  It is about the same price as other places, but we don’t spend as much gas money driving there (we can even walk and ride bikes).  Nor do I spend mindless time in the car.

5) Take a season off.  If you are having a tough month financially or a parent has been recently laid off, take a season off.  Kids are young enough that it will not set them back.  As parents we need to be intentional about giving our kids breaks and rest time as well.

I’m linking this up with Frugal Friday


Those of us who have chosen to live frugally learn to live within our means.  Living simply opens your heart to those who are forced to live frugally due to crisis situations or unforseen circumstances.  Your compassion grows for the poor.

With that being said, giving is complicated.  Have you ever given food to a homeless person on the street and he turned it away because he wanted something else?  Or given money to the single mom of four who has been attending your church and complained about barely making rent.  Then you discover she purchased a new ipad and is planning a Florida vacation.  I cannot tell you the number of times I hear people make comments when they see poverty-stricken homes with satellite dishes in the backyards.

How do we respond to all this?

First of all anytime you give to anyone, it is a gift.  Period.  When you give money to someone in need, you cannot assume they are going to use the money the way you want them to.   I am not saying that you should never give a friend money or pass out food to a homeless man.  Do not give to them with strings attached.

You might want to consider giving to a rescue mission instead.  Keep in mind many of these agencies and missions have established strong relationships with those in need and understand the ins and outs of poverty.  If you are skeptical–visit a rescue mission, volunteer at one, have lunch with the director, or subscribe to their newsletter.

Second of all realize that some people struggle with money management.  Living on a budget is not something they were taught.  Debt or frivolous spending is normal.   Many rescue missions and churches are teaching people “life skills” such a balancing a checkbook, grocery shopping on a budget, cooking instead of eating out, starting small businesses, writing a resume, applying for a job etc.

Our hearts might be in the right place when it comes to giving.  We also need wisdom and integrity that we are using our resources in a positive way.

I’m linking this with Frugal Friday


I shared many frugal household tips in  50 ways to stretch a dollar last fall.  Tip #14 was emptying out your change daily and putting in a jar.  Not just emptying out your purse or wallet.  I often find change in the couch cushions or the bottom of the washer. 

We went awhile without turning in the change.  The coins in jar were piling up and spilling over onto the fireplace mantle.  My husband brought in all the change while I was away in Michigan.  And he walked out of the bank with $125.00.

I know it is not the same winning a cash prize.  But it sure feels that way!  An extra $125.00 to put towards something.  If it’s a tight month that can make a difference.

I love our little change jar!

I am linking this with Life As A Mom Frugal Friday


Once again I am one day late again.  This is my Frugal Friday Saturday post.  The older I get, the more I realize frugal living is a team effort.

Last summer I had to buy a couch for our youth group room.  We had two recliners and a handful of folding chairs.  We needed a comfy vintage looking couch that is a must have for any youth room.  I was hoping my small effort in putting  an announcement in the bulletin would bring us a couch.  It did not.

I discovered a friend of mine at church has a thing for Craig’s List.  He and his wife have bought and sold multiple items using the website.  It became a hobby for them.  I was a little put off by Craig’s List.  I did not like checking it all the time, e-mailing strangers, and worse having to talk to them on the phone.  My friend helped me face my fears.  He kept e-mailing me about potential couches in the area until we found one.  He encouraged me to barter and get a good price.  He even picked up the couch for me.

My mom is a master thrift store shopper.  She finds all kinds of quality things.  My cousin who is a stay at home mom gave her “a challenge list” of items she was looking for.  My mom went shopping for her to find all these things.  I thought this was a fabulous idea.  Even though my mom lives over 2,000 miles away, I have asked her to look for books, clothing, or toys for my kids.  She will often ship them with “care packages” or birthday gifts.

Last year I really wanted a road bike, but I did not want to pay $1,000 for one.  Especially if I do not like biking as much I think I am going to like it.  I have a “biking” friend in my church who repairs bicycles as a side job.  He went shopping for me and found my used ”new to me” road bike I am so excited to take out this summer.  Looking for road bikes on Craig’s List and other web sites was very time-consuming.  I knew I would pay through the roof if I bought one at a bike shop.  I did not want a Wal-Mart bike either.

My point with all three examples is to find frugal friends.  If you are a stay at home mom and your time is limited, befriend those who can help you.  Many people find Craig’s List searching or thrift store shopping as a fun hobby.  They would love to help you!

I am linking this up with Life As A Mom Frugal Friday


This is a Frugal Friday Saturday post.  I was going to finish editing this post on Thursday and post it on Friday.  We were staying in a beautiful hotel in Seattle this weekend attending a conference.  Like we have found with a lot of nice hotels, some of the small perks have a price attached to them.  Wireless Internet had a fee.  We joked about running across the street to the Super 8 and using their free Wi Fi in the lobby, but we didn’t feel right in doing that.  But no problem, better late than never!

We are departing for Disneyland next week. These are some fabulous tips that mostly came from my dear friend Christina who was at Disney three weeks ago with her kids.  I wanted to remember them and share them with you all…

1)  Take Crystal Light On the Go packs to pour into your water bottles.  This will save you from spending extra money on drinks with your meal.  You will not need to purchase bottled water or pop.  Many restaurants and pop machines in theme parks charge more on beverages than what you would pay outside of the park.  Drinking pop when you are in the hot sun will only make you thirstier anyway.

2)  Buy your own glow sticks/glow bands from the dollar store before your trip.  If you go to a laser light show or fireworks at places like Disneyland, vendors everywhere will be selling them.  And you will pay much more if you buy them in the park. And my kids are young enough that they won’t care.

3)  Buy Disney character t-shirts before your trip from department stores.  My girls are all about Disney princesses and you can find character shirts at stores like Old Navy or Kohls.  My kids each have about two to three shirts to wear for the first time on our vacation.

4)  Use restaurant gift cards for eating out.  If you get restaurant gift cards as gifts, save them for when you are on vacation.  You can also earn restaurant gifts cards if you utilize Swagbucks.

5)  Make a meal plan and take along recipes.  If you are staying in a place where you are able to cook, make a meal plan!  That way you do not over buy with groceries.  And take along easy family friendly recipes.  The beauty of traveling with multiple families is each person can take “a night” and cook a meal for everyone.  That way it still feels like vacation for the rest.

I am linking this up with Life As Mom Frugal Friday


One of our family’s best money saving decision was to cut our cable down to basic cable (which is very, very basic–we get very few channels) and buy a Roku device.  Some people been asking how Roku works.  Here it is a nutshell…

The Roku device is a small box that connects to your TV.  You do not need a PC to utilize one.  It does require an in-home Wi Fi network.

There are no extra monthly bills like you would have with cable.  You pay for the device and you are done.  You choose what channel subscriptions you want to access such as Netflix, Hulu Plus, Crackle, etc.  Some are free.  Some like Netflix & Hulu Plus have a small monthly free.

At first when Rob explained Roku to me, I was very confused.  I had no idea what he was talking about.  Basically you are turning your TV into a computer.  You might currently watch TV shows or movies from Netflix or hulu (or other websites) from your computer.  Now you can do so from your TV (and you don’t have to pull the recliner from the family room to the computer which is what I was doing).

We use Instant Netflix about ninety percent of the time we watch TV.  Our kids always seem to find shows they like whether it is Veggie Tales, Yo Gabba Gabba, or Dora–they are all on Netflix.  We still watch “regular TV” for the news and a few programs we watch in the evenings.

The only downsides we have found: You cannot watch some cable shows until after their season is over.  For instance shows from TLC and the Food Network.  Also I have heard the choice in sports programming is limited.  Neither one of us are big sports watchers so this does not affect us.  Also we discovered Hulu Plus runs slightly slower (and sometimes freezes the system) than Netflix.  This could just be unique to our system.

We were paying $138.00 a month for TV & Internet which included a DVR.  Now all we pay is $72.00 a month for basic cable and Internet.  We paid $80.00 for two Roku units.  It took two months for the savings to pay for the Roku system.  In one year, it saved us $528.00.

I’m linking this post with Life As A Mom Frugal Friday


Some of us have believed if we want to enjoy exercise we have to pay for a gym membership complete with child care or buy an expensive in home elliptical machine.  Yes, there is some truth to that.  I would much rather go to a weight training class than work out to the same video I worked out to the day prior in the comforts of my family room with my toddler and preschooler climbing all over me.

No, I did not choose to be a runner because it is a cheap form of exercise.  Because it’s not. I could spend hundreds of dollars on running if I had the money.  Good shoes, entries to more races, an iPod, heart monitor, GPS, cool looking track suit–I’m not quite there yet.  Maybe never will be.

You can still take care of yourself, exercise, and enjoy it on a tight budget.  Here’s how I learned to be a frugal runner…

1)  Utilize eBay and Craig’s List for shoes and equipment.  I happen to prefer eBay for purchasing running shoes.  I have bought nice new running shoes for less than $40.00.  I ran my second marathon in them.  You may have to check it often before you find a deal, but it’s worth it.

2)  Everyone seems to want a gym membership so they don’t have to run in the rain and cold, right?  Weather is all about perspective.  I took up running when we lived in Michigan.  I ran in snowstorms when it was in the 20′s…freezing.  Now running in Oregon winters is refreshing.  40 degrees feels like a heat wave!   You might hate your first few winter runs.  But your body learns to adjust.  You even start to enjoy fall/winter running more than summer runs.

3)  You can spend a lot of money running 5K & 10K races and marathons.  If you want to try racing, look for small local races.  They are often cheaper.  Sometimes you have the option of not purchasing the t-shirt and can save even more cash.  Sometimes they are less intimidating and have more of a “small town” feel.  Hey–you might even place   Most local running stores and running clubs have a list of local races on their website.

4)  I’m still not crazy about workout videos and get bored with them quickly.  A year ago we switched to basic cable and purchased a Roku device (which is a huge money saver in and of itself) that gives us almost all the same shows we were watching on cable through Netflix and Hulu.  Through Instant Netflix I have about 20-30 workout videos I can utilize on a daily basis either on my TV or computer.  I could even use them on my lap top if I am traveling.  I don’t have to purchase a bunch of videos.  And there are always updates and new videos on a regular basis.

So while a gym membership is great, it is not totally necessary.  You can still take up running and succeed without one–and save some money until you really can afford one.

I’m linking this up with Life As a Mom Frugal Friday


Some people have asked me how we budget.  What goes on our budget?  This is a sample of a monthly budget.  We use Microsoft Excel, but there are so many programs we can use.  You can even use pen and paper and make your own chart each month.

I am finding similarties between weight loss and budgeting.  If you do not pay attention to what you are eating, you overeat and crave fatty food and sugar (at least I do!).  If you do not track your spending, you might be tempted to overspend.  Then I find I naturally want more “stuff”–most of it I don’t really need.  Or at least I don’t need it at the moment.  A budget holds you accountable.

I am linking this with Life As a Mom’s Frugal Friday

This is a summary of the month–how much money came in and how much came out.  It helps determine if we overspent or stayed within the budget

Actual Budgeted Over/Under Percentage
Total Income
Total Expenses
Income Less Expenses
 This is a list of all the money that comes in each month based on salaries.  We typically know how much income we are going to bring in a given month.  Neither of us work a sales job so we have a good estimate of how much salary we will bring in.
Actual Budgeted Over/Under Percentage Notes
Husband’s Salary
Milage Reimbursement
Other Reimbursements
Wife’s salary
Total:
This is a list of all our expenses that typically occur each month.Expenses
Actual Budgeted Over/Under Percentage Notes
Basic Household   Expenses
Food
Offering
Household
Recrecation
Allowance i.e Personal Spending Money
Gas
Diapers
Child 1′s Allowance
Child 2′s Allowance
Child 3′s Allowance
Pets
“Other”
Subtotal:
Utility Bills
Comcast (basic cable)
Vonage
Sprint (cell phone)
Utilities
Netflix
Newspaper
Subtotal:
Then each month we put money towards “saving” categories which are the following…Saving &   Investing
Christian school tutition
Car Fund
Child 1′s College
Child 2′s College
Travel/Vacations
Child 3′s College
Insurance
Subtotal:
Special Monthly ExpensesThese are special categories.  Some occur on a regular basis while others are “one time” events.  This is why we have “budget meetings” monthly.  Different months have different expenses (especially around the holidays and birthdays)
Christmas
Swimming lessons
Child sponsorship
Husband’s master’s program
Date Night
Karate lessons
Babysitter
Subtotal:
Total:

When it comes to living frugally, there is a misconception we have to learn new skills like couponing, canning fruits and vegetables, or sewing our own clothing.  Don’t get me wrong–these are all great ideas.

Personally, living frugally begins with contentment.  I will never own a brand new vehicle.  A cruise or a trip to Europe or Carribean resort will not be a once a year vacation–maybe only once in a lifetime.  I will probably always be behind when it comes to technology.  A kindle fire, an iPad, a road bike–someday.  But not today.  Part of my wardrobe will always be second hand.  Food will come from discount supermarkets.    My running shoes are bought off eBay.

You reach a point of the journey of frugalness that “stuff” doesn’t matter as much anymore.  Expensive clothes, a four bedroom house, a brand new car–might be nice to someone.  Not my source of joy.

As I am writing this big giant snowflakes are pouring from the sky (not common in the Pacific Northwest) and my oldest and her friend are dancing like fairy princnesses across the backyard sticking out their tongues to catch them.  She’s thrilled to have found her plastic magnifying glass embedded with all her princess costumes.  They are examining the intricate points of each flake.  It in these hundreds and thousands of moments God gives us that we find joy and contentment.

I’m linking this post with Life As A Mom Frugal Friday



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