So I was talking to some ladies from my old ward tonight and the conversation reminded me of this post I had done last September on our family blog, just after my Birthday. I thought it would be nice to post it here as well, as a little reminder. I still believe every word!
I love this time of year. I love the smell and feel of the air. I love the colors of the trees as they change and lose their leaves. I love that my Birthday falls just 2 days away from the first day of fall. But mostly I love the time that I take to reflect on the things that I have been so blessed with in my life.I am asked over and over, “What do you want for your Birthday?”, and really, it’s hard for me to think about what I “want”. I think we can get so hung up on the things that we want, or that we don’t have, that we make it hard to see the blessing right in front of us. I have always been told that as long as I am doing what is right, I will be blessed sufficient for my needs. It isn’t that I will have sufficient for my wants, or sufficient for the things that are nice, or that I really like. It means that I will always have the things that I need.When I think of needs, I think of the basics; food, clothing and shelter. As I reflect on my life, I can see that I have always had sufficient for my needs, and then some. I have always had food to eat. I am pretty sure that everything I have consumed in my life time has not been my favorite, cooked just right or had a dessert to go with it, but I have always had food. I have always had clothing. A lot of my clothes have many, many years of wear and hopefully many more years of wear still left in them. I don’t usually have the trendiest clothes, they usually have a hole or a stain some where, but for the most part I try to look decent and I have never had a time where I had nothing to wear. (Although I am pretty sure I have said that before.) I have always had shelter. I love my little house. It provides protection from the elements, warmth in the winter and refuge from the summer heat. It is big enough for my whole family, and welcoming to family and friends. There are times that I wish I had something more “grand” to drive up to when I get home, or a larger kitchen for my kids to gather in, but that would not make my house any more safe, warm or secure to be in. What I have is truly sufficient for our needs.I am so grateful for my home, my family and my amazing friends that help to give me perspective in my life. I think if I can just remember how blessed I am, I will always be happy. I think if we all really reflect on our lives we can see that we have the things we truly need and that all the extras are not always adding to our lives, but can in a way, actually be taking away from what will make us truly happy. There is so much “stuff” in this world. I have a good friend that helps me remember that if I am spending all my time taking care of my “stuff”, than I won’t have any time to take care of the things that are really important to me, like my family! I had a wonderful Birthday yesterday, filled with family and amazing friends that showered me with love and gifts. It is times like this that I can truly see how blessed I am. It is not the gifts that mean so much to me. That is just “stuff”. It is the time they take out of their lives to spend with me, the thoughts that they share and the love that is felt when we are together. Don’t get me wrong, the gifts are great, but to me, they are just extras. So if you ask what I want for my Birthday this year, it is you, because as far as things, I have sufficient for my needs.
Thursday, April 5, 2012
Monday, March 26, 2012
My mom reflects on her No Spending Month!
I am so pround of my mom and asked her to send me her thoughts about her No spending Month. Here is what she had to say:
Now I am excited to tell my story of what I have gained and learned from Jamie's challenge at the end of Jan to have a no spend month in Feb. Probably the most challenging day of Feb was Valentine’s Day, it was the first one in our married life of nearly 55 years that we didn't go out to eat either for lunch or dinner. I was proud that I could keep my promise to myself and was creative in fixing a very special dinner at home. I am also excited to say that I filled my car with gas on the 31st of Jan, and by March 3rd I still had a 1/4 of a tank left. When you don't go anywhere to spend money, you don't spend the gas and it was amazing. I found an inner strength that has given me the ability to know that I can do anything if I want it bad enough. I have been trying for many years to complete my husband’s life story and have been spending my days at home accomplishing so much in the goal. It is March 20th today and I feel like by the end of this month I will have completed the biggest part of his story. The first part of March I committed to exercising at the local Rec. Center in Bountiful, 5 days a week. I have been consistent in walking 30 minutes on the treadmill each week day of this month and will be doing it until the 30th. (And she plans on continuing after that too!) Along with eating the proper food choices I am seeing a slow weight loss that has been a plus. I tell myself every day, that it doesn't matter if I am loosing, what matters is that I am taking care of my health.
In regards to our financial budget, I have to say that the biggest decision to not have my American Express Costco card was a difficult one, but I knew that it was too easy to use the card and have that debt to pay out of the next month’s money. There is truly a freedom without owing later what you thought you needed and couldn’t do without. When I traveled a lot, I would benefit with 2 nice refunds at the beginning of each new year, but when I realized how much I had to spend to be getting checks for over $100 each, it wasn't worth the debt stress each month, for it never was the same amount and I bought more than I would have if it had been cash. Believing in a principle is one thing, but to live it is another. I am so appreciative and grateful to my daughter Jamie for her challenge and her example, you really can teach an 'ole dog new tricks'. I still don't have any desire to go shopping or spend needless gas each week. I am looking forward to eating out soon, but only when I can afford it.
Yesterday when I picked up my prescription at Smith's, there was an offer of $25.00 credit for transferring a prescription from another pharmacy. So along with saving on my prescriptions, each one gives me 50 reward points towards money off gas. In Jan, I got 30 cents off per gal. The credit of $ 25.00 will be used when I go grocery shopping next time. I won't be running off to Costco very often because I will be without my membership I won't be charging my gas there either. I regularly shop at Smith’s and now with prescriptions adding to the total, buying gas at Smith's will be cheaper too.
Thank you Jamie for your love and support. Mom
Now I am excited to tell my story of what I have gained and learned from Jamie's challenge at the end of Jan to have a no spend month in Feb. Probably the most challenging day of Feb was Valentine’s Day, it was the first one in our married life of nearly 55 years that we didn't go out to eat either for lunch or dinner. I was proud that I could keep my promise to myself and was creative in fixing a very special dinner at home. I am also excited to say that I filled my car with gas on the 31st of Jan, and by March 3rd I still had a 1/4 of a tank left. When you don't go anywhere to spend money, you don't spend the gas and it was amazing. I found an inner strength that has given me the ability to know that I can do anything if I want it bad enough. I have been trying for many years to complete my husband’s life story and have been spending my days at home accomplishing so much in the goal. It is March 20th today and I feel like by the end of this month I will have completed the biggest part of his story. The first part of March I committed to exercising at the local Rec. Center in Bountiful, 5 days a week. I have been consistent in walking 30 minutes on the treadmill each week day of this month and will be doing it until the 30th. (And she plans on continuing after that too!) Along with eating the proper food choices I am seeing a slow weight loss that has been a plus. I tell myself every day, that it doesn't matter if I am loosing, what matters is that I am taking care of my health.
In regards to our financial budget, I have to say that the biggest decision to not have my American Express Costco card was a difficult one, but I knew that it was too easy to use the card and have that debt to pay out of the next month’s money. There is truly a freedom without owing later what you thought you needed and couldn’t do without. When I traveled a lot, I would benefit with 2 nice refunds at the beginning of each new year, but when I realized how much I had to spend to be getting checks for over $100 each, it wasn't worth the debt stress each month, for it never was the same amount and I bought more than I would have if it had been cash. Believing in a principle is one thing, but to live it is another. I am so appreciative and grateful to my daughter Jamie for her challenge and her example, you really can teach an 'ole dog new tricks'. I still don't have any desire to go shopping or spend needless gas each week. I am looking forward to eating out soon, but only when I can afford it.
Yesterday when I picked up my prescription at Smith's, there was an offer of $25.00 credit for transferring a prescription from another pharmacy. So along with saving on my prescriptions, each one gives me 50 reward points towards money off gas. In Jan, I got 30 cents off per gal. The credit of $ 25.00 will be used when I go grocery shopping next time. I won't be running off to Costco very often because I will be without my membership I won't be charging my gas there either. I regularly shop at Smith’s and now with prescriptions adding to the total, buying gas at Smith's will be cheaper too.
Thank you Jamie for your love and support. Mom
Tuesday, March 20, 2012
Organizing School papers
Having five kids means having a lot of paper coming into our house. I had to find a way to organize the kids school papers, special cards and momentoes. One year the boys came home from school with these boxes that they decorated in school. They are the perfect size for papers (12.25x9.25x3), close and stack nicely. These boxes are from Tharco (M-419), but you can purchase them at Xpedx for $2.59. I use these for more than just my kids school papers. I have one that I have all the recepts, paint cards, carpet samples and contacts that I used when we finished our basement, and past tax papers.
Wednesday, March 14, 2012
No spending month
So normally February is our "no Spending Month", the month that we don't buy anything extra or anything that we don't need. Unfortunately this year it just didn't work out. I had a bunch of lab work that needed to be done, doctor visits for me and the kids and my focus just wasn't there. We will have a "No Spending Month", but it will have to be later. I did challenge my mom to take February and see what she was capable of. I was not too hopeful that she would do it, or even stick with it. I was surprised to find out that she had made a commitment to me and herself to do it. She would call me every few days and keep me posted on her success and struggles. She would let me know where she was struggling and I would give her ideas and suggestions on how she could save money. (She called and found out she can get her prescriptions for a lot cheaper than she was getting them, which is going to save her a LOT in the months to come!) She never called to complain, and in fact, would thank me for giving her this challenge ever time. She decide to stop using her AM EX, (I had been telling her that for years, but she had to figure it out on her own, which was great!) and even chose not to renew her Costco membership. I gave my mom $20 with a note on it in the beginning of the month that said it was for an emergency. She said she wasn't going to use it and was going to stick to her plan.
Yesterday my parents came out and my mom gave me my $20 back. I am so proud of her and what she has FINALLY learned about herself. One, she can do anything she puts her mind to. Two, she has very few needs that can easily be met with the money she brings in and a little planning. And best of all, don't give up on yourself. Believe in yourself and don't give up! My mom said she had so much fun doing the challenge that she is now challenging herself in other areas. I could not have asked for a better outcome. What a wise woman to listen to her youngest daughter. ;)
I would challenge everyone to see what you are capable of. Have a "No Spending Month". You will quickly find out that it is not just about the money. You will feel more empowered in your life and look at things much differently. The little pain you may feel in the beginning, will be worth the reward in the end. And hey, if anything, you will have a bunch of extra money to spend at the end of the month. :)
Yesterday my parents came out and my mom gave me my $20 back. I am so proud of her and what she has FINALLY learned about herself. One, she can do anything she puts her mind to. Two, she has very few needs that can easily be met with the money she brings in and a little planning. And best of all, don't give up on yourself. Believe in yourself and don't give up! My mom said she had so much fun doing the challenge that she is now challenging herself in other areas. I could not have asked for a better outcome. What a wise woman to listen to her youngest daughter. ;)
I would challenge everyone to see what you are capable of. Have a "No Spending Month". You will quickly find out that it is not just about the money. You will feel more empowered in your life and look at things much differently. The little pain you may feel in the beginning, will be worth the reward in the end. And hey, if anything, you will have a bunch of extra money to spend at the end of the month. :)
Sunday, January 29, 2012
I love KSL!
I love KSL! Have I said that already? This week we spent Saturday posting and selling and made almost $150. The kids got some of their things sold and posted as well. The money we make on KSL goes right into a box and has it's own way to be spent. One year we used it for home improvements. Last year we used it to go on a great vacation with the in-laws before they left on an 18 month adventure in Africa. This year, it's all for the loan. The student loan that we keep saying we are going to payoff. This time, we are going to do it! I am done with the talk, it is time to walk the walk and do it! I look forward to more Saturdays like this, that we can do more to reach our goals.
Wednesday, January 25, 2012
Proverbs 31:27 She looketh well on the ways of her household...
I just came back from an amazing night. I was asked by some of my best friends to come back to my old ward and talk about managing your household. I really enjoyed looking back on things I have done to get my finances, meal planning and family in order. I had such a great time and really feel like this is something I want to do "when I grow up".
I am posting my lesson and will post additional information that was requested tonight.
Thank you to those that came to to the meeting. I really enjoyed learning from you!
She looketh well to the ways of her household, and eateth not the bread of idleness. Proverbs 31:27
“The Happiest people don’t have the best of everything, they just make the best of everything they have.”
Most valuable resource is TIME!
We don’t make the same amount of money, have the same size house, or same number of kids, but we all have the same amount of time. How we manage our time is where you will find the value.
How do you spend your time? ie, work, hobbies, facebook, pintrest, tv, sleeping, reading, shopping…
I want to talk about 4 ways that can help you manage your time more efficiently.
1-Manageing your money
Do you have or use a budget? What negative thoughts come to mind when you think of the word budget? Restriction, no fun, …
A budget is really nothing more than a plan for your money. If you don’t plan where your money will go or how it is spent, it will find ways to get spent. A budget is a way to take control of your finances and can really be a fun tool to help you.
Simple Budget
The easiest way to do a budget is to take your income and subtract your expenses.
Start with the necessities; shelter (utilities included, HOA fee) food, and transportation (gas, car payment, insurance, services), loans and other debt and tithes and offerings. Then move on to your “adjustable” expenses, the things that can be flexible. Phone (home and cell), tv, life insurance, clothing, haircuts, date money, preschool, music lessons, …
If you get to the end of your list and you are out of money or in the negative, you now that you need to reevaluate your budget and perhaps your priorities.
There are many ways that you can cut back.
Cut back on cable (this will also give you back TIME),
Check your phone bills, are you paying hidden charges, check your minute usage, can you cut back?
Use more energy efficient lighting, Turn out lights when you leave, use timers
Cut coupons (but be careful that you are not buying things just because you have a coupon. Buy what you use and use what you buy. Many times the store brand item is cheaper than the name brand, even with the coupon. Also, be careful that you are not spending more time than the savings is worth. Remember, your time is valuable, if you are not getting to the papers and they are piling up, take a break for a while and start back up when you feel you can.)
Do you need to down grade on your cars? Lower car insurance.
Never pay full price, and always ask if that is the best deal. Many times you will be surprised that there is something cheaper, you just have to ask. If you just have to have the name brand or the clothes from a certain store, find out when they do markdowns, what is their policy on getting a price adjustment? Get on their friends and family list or email list.
Limit the number of clothes you buy. This will save time and money on washing and if your kids are like mine, they wear the same things over and over anyway!
Look into refinancing. If you established or refinanced your loan before July 2009, you may be eligible to refinance at a lower rate and not pay mortgage insurance, even if your house is not at the 80/20 value.
Use cash! This is the best way to help you curb your spending. If you don’t have the money, you don’t need it!
The Microwave story
If you find you need more money, sell!!! KSL and eBay are fantastic was to make more money on the things you no longer need. My husband and I have decided that my time is better spent in our home managing our finances, and family. He makes the money, but I make sure it lasts and goes as far as it can.
Payoff debt, start with the smallest and pay it off first. Then “roll” that payment into your next debt and continue until you a debt free!!!
2-Managing a Meaningful meal time!
“When you fail to plan, you plan to fail”
Again, it starts with a plan.
1-Start by making a list of everything you make
2-Place a star by the meals you have everything you need on hand, all the time.
3-Place a checkmark next to the meals that require only buying one or two items.
4-Evaluate your month one day at a time, ie; kids activities, scouts, YM/YW, work meetings, school activities, music lessons, family parties, etc.
5-Now make a “Master Month”. You can categorize your days, Chicken night, Mexican, quick or no brainer meals (Pizza night, pancakes, freezer meal) double up (these are great for last minute meals, meals for neighbors or when you just don’t feel like cooking), leftovers, Special day dinners, free for all, teach your kids to cook night and then give them a night to cook, Mom’s night off, try something new.
You can start out simple, use the school menu as a guide. Use the same menu each month, just modified for that month until you feel like you can branch out.
Start a food inventory binder- keep track of what you have and what you need.
Gather your year supply using your meal plan.
Bottom line-Make a plan and stick with it!
3-Manageing your family-KIDS!
Are we over scheduling our kids? Are we supplying them with more than they need? Are we giving them time with themselves?
1-limit media/screen time to 30 min a day - “Unplug” as we tell our older kids.
2-limit activities- there can be too much of a good thing. What toll is it taking on you and the rest of the family?
3-limit time outside the home. Make your kids get along! Are we making our homes a Haven?
4-Monitor your kids, “Friend” them.
5-Say “Yes” more. Answer your kids by saying “Yes” not “what or huh?”
6-Teach them to work. Don’t take away their chance to learn. Remember, we are raising future missionaries, students, husbands and wives. 4 steps to learning,; show, help, watch, know!
7-Give them responsibilities, not money. Teach them the value of money. Give them an income that they earn, not an allowance. (Find out what is of value to them, money, time with you, extra media time, etc.) *Find the charts in an older post in March 2009
8-Teach them to save for their future.
9-Kids do best with structure! Make a schedule, chore chart and a list of boredom busters! Also make a snack list or basket.
4-Manage to have FUN!!!
As President Gordon B Hinkeley said, “In all of living have much JOY and LAUGHTER. Life should be enjoyed, not just endured.”
Spend time, not money!
Play games together, watch movies together, eat meals together.
Set family goals together, Challenge yourselves! You never know what you are capable of until your try.
No spending month (February) *see how my family did the first time in 2009
No sugar month *see how my family did the first time in 2009
No tv
Have your kids help you find ways to save and make money! Maybe it can be used to go on a family vacation!
Is our stuff taking our time and money?
FHE- Needs vs. Wants, budget, If I had a hundred dollars…(teach the value of a dollar).
*Check out previous posts for time cards, and see how we did on our no spending and no sugar month! It's fun to look back.
I am posting my lesson and will post additional information that was requested tonight.
Thank you to those that came to to the meeting. I really enjoyed learning from you!
She looketh well to the ways of her household, and eateth not the bread of idleness. Proverbs 31:27
“The Happiest people don’t have the best of everything, they just make the best of everything they have.”
Most valuable resource is TIME!
We don’t make the same amount of money, have the same size house, or same number of kids, but we all have the same amount of time. How we manage our time is where you will find the value.
How do you spend your time? ie, work, hobbies, facebook, pintrest, tv, sleeping, reading, shopping…
I want to talk about 4 ways that can help you manage your time more efficiently.
1-Manageing your money
Do you have or use a budget? What negative thoughts come to mind when you think of the word budget? Restriction, no fun, …
A budget is really nothing more than a plan for your money. If you don’t plan where your money will go or how it is spent, it will find ways to get spent. A budget is a way to take control of your finances and can really be a fun tool to help you.
Simple Budget
The easiest way to do a budget is to take your income and subtract your expenses.
Start with the necessities; shelter (utilities included, HOA fee) food, and transportation (gas, car payment, insurance, services), loans and other debt and tithes and offerings. Then move on to your “adjustable” expenses, the things that can be flexible. Phone (home and cell), tv, life insurance, clothing, haircuts, date money, preschool, music lessons, …
If you get to the end of your list and you are out of money or in the negative, you now that you need to reevaluate your budget and perhaps your priorities.
There are many ways that you can cut back.
Cut back on cable (this will also give you back TIME),
Check your phone bills, are you paying hidden charges, check your minute usage, can you cut back?
Use more energy efficient lighting, Turn out lights when you leave, use timers
Cut coupons (but be careful that you are not buying things just because you have a coupon. Buy what you use and use what you buy. Many times the store brand item is cheaper than the name brand, even with the coupon. Also, be careful that you are not spending more time than the savings is worth. Remember, your time is valuable, if you are not getting to the papers and they are piling up, take a break for a while and start back up when you feel you can.)
Do you need to down grade on your cars? Lower car insurance.
Never pay full price, and always ask if that is the best deal. Many times you will be surprised that there is something cheaper, you just have to ask. If you just have to have the name brand or the clothes from a certain store, find out when they do markdowns, what is their policy on getting a price adjustment? Get on their friends and family list or email list.
Limit the number of clothes you buy. This will save time and money on washing and if your kids are like mine, they wear the same things over and over anyway!
Look into refinancing. If you established or refinanced your loan before July 2009, you may be eligible to refinance at a lower rate and not pay mortgage insurance, even if your house is not at the 80/20 value.
Use cash! This is the best way to help you curb your spending. If you don’t have the money, you don’t need it!
The Microwave story
If you find you need more money, sell!!! KSL and eBay are fantastic was to make more money on the things you no longer need. My husband and I have decided that my time is better spent in our home managing our finances, and family. He makes the money, but I make sure it lasts and goes as far as it can.
Payoff debt, start with the smallest and pay it off first. Then “roll” that payment into your next debt and continue until you a debt free!!!
2-Managing a Meaningful meal time!
“When you fail to plan, you plan to fail”
Again, it starts with a plan.
1-Start by making a list of everything you make
2-Place a star by the meals you have everything you need on hand, all the time.
3-Place a checkmark next to the meals that require only buying one or two items.
4-Evaluate your month one day at a time, ie; kids activities, scouts, YM/YW, work meetings, school activities, music lessons, family parties, etc.
5-Now make a “Master Month”. You can categorize your days, Chicken night, Mexican, quick or no brainer meals (Pizza night, pancakes, freezer meal) double up (these are great for last minute meals, meals for neighbors or when you just don’t feel like cooking), leftovers, Special day dinners, free for all, teach your kids to cook night and then give them a night to cook, Mom’s night off, try something new.
You can start out simple, use the school menu as a guide. Use the same menu each month, just modified for that month until you feel like you can branch out.
Start a food inventory binder- keep track of what you have and what you need.
Gather your year supply using your meal plan.
Bottom line-Make a plan and stick with it!
3-Manageing your family-KIDS!
Are we over scheduling our kids? Are we supplying them with more than they need? Are we giving them time with themselves?
1-limit media/screen time to 30 min a day - “Unplug” as we tell our older kids.
2-limit activities- there can be too much of a good thing. What toll is it taking on you and the rest of the family?
3-limit time outside the home. Make your kids get along! Are we making our homes a Haven?
4-Monitor your kids, “Friend” them.
5-Say “Yes” more. Answer your kids by saying “Yes” not “what or huh?”
6-Teach them to work. Don’t take away their chance to learn. Remember, we are raising future missionaries, students, husbands and wives. 4 steps to learning,; show, help, watch, know!
7-Give them responsibilities, not money. Teach them the value of money. Give them an income that they earn, not an allowance. (Find out what is of value to them, money, time with you, extra media time, etc.) *Find the charts in an older post in March 2009
8-Teach them to save for their future.
9-Kids do best with structure! Make a schedule, chore chart and a list of boredom busters! Also make a snack list or basket.
4-Manage to have FUN!!!
As President Gordon B Hinkeley said, “In all of living have much JOY and LAUGHTER. Life should be enjoyed, not just endured.”
Spend time, not money!
Play games together, watch movies together, eat meals together.
Set family goals together, Challenge yourselves! You never know what you are capable of until your try.
No spending month (February) *see how my family did the first time in 2009
No sugar month *see how my family did the first time in 2009
No tv
Have your kids help you find ways to save and make money! Maybe it can be used to go on a family vacation!
Is our stuff taking our time and money?
FHE- Needs vs. Wants, budget, If I had a hundred dollars…(teach the value of a dollar).
*Check out previous posts for time cards, and see how we did on our no spending and no sugar month! It's fun to look back.
Income Chart
A salary will be paid for work done in the home. The weekly work will be evaluated and if not done, you will pay us back for any job not completed, or not completed to the standard it should be.
10% tithing
20% long term savings (not to be withdrawn until mom and dad okay it, which will be no sooner than 21!)
From the time you can do chores until you are 8 you will get paid a monthly salary equal to your age. This will be paid on the 7th of each month.
*You are not required to pay for any gifts for friends, but are more than welcome to add to the amount that mom and dad are willing to pay.
From the age 8 until 12 you will get paid a monthly salary equal to twice your age. This will be paid half on the 7th and half on the 22nd of each month.
*You are required to pay half for any Birthday gift, extra clothing items and full replacement for anything that you choose to ruin.
From the age 12 until 16 you will continue to receive a monthly salary equal to twice your age. At this age you can take “loans” from you parents, with interest.
*You are required to pay for any gifts, extra clothes and replace anything that you may ruin, during your reckless teenage years.
At age 16 you are old enough to get a job unless you are involved in high school activities that make it difficult to have a part-time job. We will continue to give you a salary until 3 months after you graduate High School, at that point you should have a job.
10% tithing
20% long term savings (not to be withdrawn until mom and dad okay it, which will be no sooner than 21!)
From the time you can do chores until you are 8 you will get paid a monthly salary equal to your age. This will be paid on the 7th of each month.
*You are not required to pay for any gifts for friends, but are more than welcome to add to the amount that mom and dad are willing to pay.
From the age 8 until 12 you will get paid a monthly salary equal to twice your age. This will be paid half on the 7th and half on the 22nd of each month.
*You are required to pay half for any Birthday gift, extra clothing items and full replacement for anything that you choose to ruin.
From the age 12 until 16 you will continue to receive a monthly salary equal to twice your age. At this age you can take “loans” from you parents, with interest.
*You are required to pay for any gifts, extra clothes and replace anything that you may ruin, during your reckless teenage years.
At age 16 you are old enough to get a job unless you are involved in high school activities that make it difficult to have a part-time job. We will continue to give you a salary until 3 months after you graduate High School, at that point you should have a job.
Weekday schedule
Kids thrive on a schedule! We had just had our 4th child and I need some structure and less questions. "Can I watch TV? Can I have a snack? When does dad get home? When is dinner?" And so on and so forth. I decided to make my kids each a schedule and hung it in a common area. I then made them their own individual card to keep in their rooms. It worked great and over the years I have altered it some (bed times, hobbies, etc.).
Having a posted schedule also kept me on task and I even made myself a schedule and one for our youngest that was one.
Wednesday, November 30, 2011
I'm back!
Okay, so I lost my password to my blog and my email account tied to this blog and just now got it figured out! Hooray, just in time to start the new year off with a bang. I need some accountability again so we will see if I can keep this up again. I know it is only the first day of December, but I am always thinking a month ahead when it comes to finances.
Tuesday, June 30, 2009
Update and confessions
It has been a busy few months and I have not taken the time to blog about anything. I have been enjoying living my life rather than "talking" about it. But seeing as I started this for my own record, I should probably put down my last few months history.
I have continued to us coupons and built up a nice "store" as my husband likes to call it. It is so nice to just go downstairs and pull something off the shelf that we need.
In May we had a neighborhood yard sale. I posted a lot on KSL the days leading up to the Yard sale and a few things here and there since. We have made just over $600.00 selling things that have been taking up valuable real estate (storage room) in the house and garage. The most recent thing we sold was a tent that I bought for John a few years ago with the intentions of going camping. I have come to the realization that I am not a camper and never will be. We sold it for $175.00 the same day I posted it. I bought it for $80, who new tents went up in value!?!
We have been able to take the money we have earned from KSL and us it to do home and yard improvements that we otherwise would not have been able to do.
I have enjoyed talking to friends and neighbors about our goals and appreciate their support to insure that we stay on track. I had talked my mom out of buying a new camera a few weeks ago by asking her if she really NEEDED it, can she make do with the one she has, is there other places she could be putting that money?
Yesterday I stopped at Down East and found a BEAUTIFUL crib that would match the nursery. I came home a told a friend about it and instead of doing the "Friendly" thing and saying that I should go get it, she sat down and said, "I am going to do the same thing you did for you mom. Do you need it? Will it get you closer to your goal?". After teasing about it with her and actually taking my husband to the store to see it, I realized that the freedom and happiness of being out of debt would far out weigh the few moments of joy that having a matching crib would bring. I am so grateful for a friend that knew what I need to hear and was not afraid to say it. That is the support that I am looking for. Thank you dear friend!
I must say we have fallen off the wagon a little. I told myself I was not going to get any new clothes, but the hubby found some pretty great deals that we couldn't pass up. I am bummed that I couldn't resist. He both had a moment of weakness and now we just need to regroup and get back on track.
We also ate out more than I would have liked us to this last month. I pushed us through June with out turning the A/C on until the 25th and turning on the oven to cook dinner just did not appeal to me the way I would have like it to. I think we ate out maybe 3 times, and that is just not what we need to be doing right now, so I hope to refocus and get back to sticking to my calendar of meals.
So what do your struggle with? What has been difficult for your this summer in trying to stick to your budget? Please share and maybe together we can help each other!
I have continued to us coupons and built up a nice "store" as my husband likes to call it. It is so nice to just go downstairs and pull something off the shelf that we need.
In May we had a neighborhood yard sale. I posted a lot on KSL the days leading up to the Yard sale and a few things here and there since. We have made just over $600.00 selling things that have been taking up valuable real estate (storage room) in the house and garage. The most recent thing we sold was a tent that I bought for John a few years ago with the intentions of going camping. I have come to the realization that I am not a camper and never will be. We sold it for $175.00 the same day I posted it. I bought it for $80, who new tents went up in value!?!
We have been able to take the money we have earned from KSL and us it to do home and yard improvements that we otherwise would not have been able to do.
I have enjoyed talking to friends and neighbors about our goals and appreciate their support to insure that we stay on track. I had talked my mom out of buying a new camera a few weeks ago by asking her if she really NEEDED it, can she make do with the one she has, is there other places she could be putting that money?
Yesterday I stopped at Down East and found a BEAUTIFUL crib that would match the nursery. I came home a told a friend about it and instead of doing the "Friendly" thing and saying that I should go get it, she sat down and said, "I am going to do the same thing you did for you mom. Do you need it? Will it get you closer to your goal?". After teasing about it with her and actually taking my husband to the store to see it, I realized that the freedom and happiness of being out of debt would far out weigh the few moments of joy that having a matching crib would bring. I am so grateful for a friend that knew what I need to hear and was not afraid to say it. That is the support that I am looking for. Thank you dear friend!
I must say we have fallen off the wagon a little. I told myself I was not going to get any new clothes, but the hubby found some pretty great deals that we couldn't pass up. I am bummed that I couldn't resist. He both had a moment of weakness and now we just need to regroup and get back on track.
We also ate out more than I would have liked us to this last month. I pushed us through June with out turning the A/C on until the 25th and turning on the oven to cook dinner just did not appeal to me the way I would have like it to. I think we ate out maybe 3 times, and that is just not what we need to be doing right now, so I hope to refocus and get back to sticking to my calendar of meals.
So what do your struggle with? What has been difficult for your this summer in trying to stick to your budget? Please share and maybe together we can help each other!
Sunday, May 3, 2009
April spending
I had so much fun this month doing coupons. This month I made a menu that required little or no additional ingredients to purchase so that I could focus on my storage. We really did well and I saved more than I spent! From what I kept track of, I spent $387.56 and saved $471.54! I just think that is amazing. I got so many things for free. I know I don't know everything about couponing, but I am a strong believer now and would be willing to show anyone how I do it!
What's new!
It has been so long since I have posted anything. It's kind of hard when you get into a routine and things aren't changing as quickly as they use to. We have now acquired our 3 months of expenses and will now be working towards the debt pay off. It is just to the point were we sit and wait. Wait for the paycheck. Wait to pay the bill. Not too exciting, so I have given us another "monthly goal". This time it is no sugar for a month.
I told the kids I would give them $20 if they could go a whole month without eating sugar (candy, cookies, sugar cereals). Little do they know that this is really more than just a food challenge. This is a lesson on delayed gratification, willpower and self control.
In February we did the no spending month, and that one really made the biggest impression on John and I. We really learned the value of needs vs. wants. This time I think the kids will get the lesson. John and I are doing it too. It started because I was sick of the kids asking what was for dessert, and having the pile of Easter candy on the counter. The kids are really doing well and they have the choice to do it or not to do it. They do get Mother's Day off, it is N Birthday. M has been asking if this or that has sugar. It is so cute. He really wants to stick to the plan. My other motive is to get us free from always needing something sweet. We are loosening the bound from debt, now we are loosening the bound from addictive foods.
I know, that might sound crazy, but again, you can do anything for a month. I have really learned a lot about myself by doing this and knowing that my family is on board makes it that much better.
Don't tell my kids, but in July, it's not TV month! ;)
I told the kids I would give them $20 if they could go a whole month without eating sugar (candy, cookies, sugar cereals). Little do they know that this is really more than just a food challenge. This is a lesson on delayed gratification, willpower and self control.
In February we did the no spending month, and that one really made the biggest impression on John and I. We really learned the value of needs vs. wants. This time I think the kids will get the lesson. John and I are doing it too. It started because I was sick of the kids asking what was for dessert, and having the pile of Easter candy on the counter. The kids are really doing well and they have the choice to do it or not to do it. They do get Mother's Day off, it is N Birthday. M has been asking if this or that has sugar. It is so cute. He really wants to stick to the plan. My other motive is to get us free from always needing something sweet. We are loosening the bound from debt, now we are loosening the bound from addictive foods.
I know, that might sound crazy, but again, you can do anything for a month. I have really learned a lot about myself by doing this and knowing that my family is on board makes it that much better.
Don't tell my kids, but in July, it's not TV month! ;)
Wednesday, April 8, 2009
Update
March was another great month. It feels so good to know where our money is going and the coupon thing was a ball. It totally pays for itself and if you love to save money, it is so much fun. I will continue to us coupons and price match as I work towards growing my year supply. (As long as my oldest stops eating the food out of the food storage.) I also felt very strongly this month to save 3 months of expenses. We are not in any jeopardy of losing a job, but our cars are 11 and 12 years old and I just don’t want to stop our progress if one of them needs to be replaced. It’s not a matter of if, but when. We will just feel better to know that if anything comes up, we will be prepared. We have been throwing every extra penny into our savings account and are only a few hundred dollars away. At that point, we will start putting every extra penny we can towards the student loans.
This month’s goal is to build up our storage as I mentions and so far we are doing great. I want to have at least 2 of everything that we use regularly and I have planned a strategy to do it. For the menu I looked over our food storage and planned meals that require little or no extra ingredients to make. We will eat a few things twice, but you can do anything for a month, right? My grocery shopping for the meals was very minimal which then allows me to spend more on getting items for storage. The coupons then enable me to spend less and get more. The problem now is finding places for everything I buy. My dear husband is in charge of that part. I just buy the stuff! Yesterday I went to 5 stores, spent 264.00 and saved 200.00! I bought cleaning supplies, napkin, food storage bags, cereal, rice, razors, shaving cream, cough drops, and so much more! I would have to ask my stock boy what else. I was very tired at the end of the day, but after adding up my totals, it was worth it.
This month’s goal is to build up our storage as I mentions and so far we are doing great. I want to have at least 2 of everything that we use regularly and I have planned a strategy to do it. For the menu I looked over our food storage and planned meals that require little or no extra ingredients to make. We will eat a few things twice, but you can do anything for a month, right? My grocery shopping for the meals was very minimal which then allows me to spend more on getting items for storage. The coupons then enable me to spend less and get more. The problem now is finding places for everything I buy. My dear husband is in charge of that part. I just buy the stuff! Yesterday I went to 5 stores, spent 264.00 and saved 200.00! I bought cleaning supplies, napkin, food storage bags, cereal, rice, razors, shaving cream, cough drops, and so much more! I would have to ask my stock boy what else. I was very tired at the end of the day, but after adding up my totals, it was worth it.
Thursday, March 19, 2009
Time card payout
I forgot to post the value of the tally marks. The oldest (10 year old) got .10 and the two younger (7 and 3 1/2) got .05. The same amounts were deducted for bad behavior or buying extra media time.
When buying back toys that didn't get put away was involved, each toy was worth .05 or groups of toys like the Lego or car bin was $.50-$1.00. Sometimes the boys would pull their money together and buy back a family toy or even buy toys for each other so it would not get donated. It also helped them decide if they really wanted a toy. There were times it wasn't even worth a nickle to get it back and they would say, "you can sell it or give it to the DI."
When buying back toys that didn't get put away was involved, each toy was worth .05 or groups of toys like the Lego or car bin was $.50-$1.00. Sometimes the boys would pull their money together and buy back a family toy or even buy toys for each other so it would not get donated. It also helped them decide if they really wanted a toy. There were times it wasn't even worth a nickle to get it back and they would say, "you can sell it or give it to the DI."
Wednesday, March 18, 2009
Job/chore chart and income
I had a friend ask me to go into more detail of the job chart. So I will do my best to explain more.
It works on a tally mark system, they can get up to 6 tally marks on "daily chores". (you don't get marks for Sunday, but you still do the work) I guess I should explain that there are three categories on the credit list; daily, weekly or as needed, and monthly or extra jobs. I shaded them in so that they could tell the difference. I Made it have 2 weeks, then total, and then 3 week and total, so that the kids could see their progress half way through, even if they don't get paid until the end of the month. Dad gets paid twice in a month so we just made it like a real job.
The charts are posted in a central location (some where that they will see it everyday) so that we can both see their progress.
I do have time limits on a few, and if the job is not done on time, they can't mark it as done. They also can not back mark. If you can't be responsible to mark your chart, you can't get the credit.
As far as the minus section goes, you will have to figure out what your child struggles with and make it suit them. The child that has the problem with timing, has it on both credit and minus. So not only does he not get a mark if homework is not completed by 5, but he gets a minus too. I don't do that with every chore, but that is one we are really trying to work on.
When you are determining what chores to put on your chart, make a list. I sat down and wrote down everything that either I did when I was a kid or that I would like them to do or learn to do. Think of jobs that you do that your kids could do for extra money and put it on the chart. That way, instead of asking what they can do for extra money, they just look on the list and choose what they want to do. Then they feel like they have a little control in the work. They may never do the chore, but at least it is on option.
Finally, if it a chore your child has never done, you need to SHOW them how to do it the first time, WATCH them the second and then by the third time they should know how to do it the way YOU want it done. There may need to be refreshes here and there, but one thing I have learned is that my way of "Clean" and a boys way of "Clean"are VERY different.
Also, I left extra spaces for things to be added on. Just like your budget changes every month, so will their chores. I had my oldest pass one of his jobs off to my third son and had HIM teach it. It was interesting to see how much my oldest really did remember from when he was taught.
Good luck and happy chore days!!!
$4.65! Fun With Coupons
This was my first week of doing coupons and now we have enough kids shampoo and toothpaste to last us for the rest of our lives! Not really, but this is just one of my trips to Walmart where I price matched and used coupons! This was fun and the hubby has a good old time guessing what I spent!
Thursday, March 12, 2009
Some things I've learned
Though I do not proclaim to be the prefect parent, (my kids, and husband AND neighbors for that matter can attest to that) I have learned a few things in my short life that have helped me along the way. (Especially in the last few months) Here are a few things I’ve learned.
Kids need limits! Kids will push and push and if you do not have concrete limits, they will continue to push until they have gone too far. Rules are a must and there must be consequence to breaking them.
Kids need structure! I started a new chore chart that my kids know they have to complete before they can play. It includes homework, piano practice, emptying recycle, etc. My oldest has done great with this and he knows just what is expected of him. It takes the nagging out of the day and all I have to do is ask to see, or ask if he has done his chart.
Kids need to feel important and empowered! Kids need choices. Kids need rewards. They don’t have to be monetary or extravagant. My oldest had a really good week, so as a reward, he got to say up and watch a movie with his parents. He earned that right and he felt special.
Kids need love, even 10 year old boys! I learned that I need to find out how my kids need to be loved and what ways to do it. Everyone feels love differently. Time is a big one. Being interested in the things they are doing. (Even if it is not interesting to me at all.)
Kids need to learn the value of money! My kids can earn as much of as little as they want each month. We don’t give them “allowance”, they earn “Income”. Their chore charts are called time cards and they are responsible for marking it when they do the job. If they don’t mark it, they won’t get paid for it. I am also trying to teach them responsibility, and returning and reporting. Each chore has a value. (Younger kids .05, older .10 per chore) They can also get points taken away for fighting, dishonesty, etc.
Kids need to learn the pride and joy of a job well done! This is where the reward comes in. It could be time with parents, it could be a special plate at dinner, and it could just be a “Good Job Honey, I Love You!” My kids also see it in their paycheck at the end of the month.
Kids need to learn the value of work! We are trying to teach our kids more about service. We are trying to teach them that sometimes you do things because you love someone and they could benefit from you services.
Kids need a controlled environment! Controlled, NOT controlling. If you home is chaotic, and clutter, that will reflect in their attitude and behavior. Mine too! When my kids are out of control, if they are fighting too much, that constitutes for a “No Media Week”. They don’t have TV, computer or video games for a week. They aren’t happy for the first few days, but by the end, they found their toys and even enjoy playing together again. I have also said no friends until they can treat each other with respect and kindness.
Kids need nutritious, balance diets! My kids are not allowed to not eat something just because they don’t think they like it. They are also not required to “be a member of the clean the plate club” as I was. I have had to deal with varying degrees of food allergies with my kids and they are all creatures of habit. One of my kids in particular view eating more as a chore that a pleasure. He would rather starve than find something to eat. He will also eat the same thing everyday if I let him. (He is so me) I have had to really step back and look at their diets and see where we could improve. Malnutrition can be the cause of moodiness, slow growth and even depression.
As I said, these are some things that I have learned. I am not always the best at it. My kitchen in chaos and looks like it blew up because I am going through cook books, I watch more TV than I should and eat junk for snacks, but I am working each day to be a better mom for my kids and wife for my husband.
Kids need limits! Kids will push and push and if you do not have concrete limits, they will continue to push until they have gone too far. Rules are a must and there must be consequence to breaking them.
Kids need structure! I started a new chore chart that my kids know they have to complete before they can play. It includes homework, piano practice, emptying recycle, etc. My oldest has done great with this and he knows just what is expected of him. It takes the nagging out of the day and all I have to do is ask to see, or ask if he has done his chart.
Kids need to feel important and empowered! Kids need choices. Kids need rewards. They don’t have to be monetary or extravagant. My oldest had a really good week, so as a reward, he got to say up and watch a movie with his parents. He earned that right and he felt special.
Kids need love, even 10 year old boys! I learned that I need to find out how my kids need to be loved and what ways to do it. Everyone feels love differently. Time is a big one. Being interested in the things they are doing. (Even if it is not interesting to me at all.)
Kids need to learn the value of money! My kids can earn as much of as little as they want each month. We don’t give them “allowance”, they earn “Income”. Their chore charts are called time cards and they are responsible for marking it when they do the job. If they don’t mark it, they won’t get paid for it. I am also trying to teach them responsibility, and returning and reporting. Each chore has a value. (Younger kids .05, older .10 per chore) They can also get points taken away for fighting, dishonesty, etc.
Kids need to learn the pride and joy of a job well done! This is where the reward comes in. It could be time with parents, it could be a special plate at dinner, and it could just be a “Good Job Honey, I Love You!” My kids also see it in their paycheck at the end of the month.
Kids need to learn the value of work! We are trying to teach our kids more about service. We are trying to teach them that sometimes you do things because you love someone and they could benefit from you services.
Kids need a controlled environment! Controlled, NOT controlling. If you home is chaotic, and clutter, that will reflect in their attitude and behavior. Mine too! When my kids are out of control, if they are fighting too much, that constitutes for a “No Media Week”. They don’t have TV, computer or video games for a week. They aren’t happy for the first few days, but by the end, they found their toys and even enjoy playing together again. I have also said no friends until they can treat each other with respect and kindness.
Kids need nutritious, balance diets! My kids are not allowed to not eat something just because they don’t think they like it. They are also not required to “be a member of the clean the plate club” as I was. I have had to deal with varying degrees of food allergies with my kids and they are all creatures of habit. One of my kids in particular view eating more as a chore that a pleasure. He would rather starve than find something to eat. He will also eat the same thing everyday if I let him. (He is so me) I have had to really step back and look at their diets and see where we could improve. Malnutrition can be the cause of moodiness, slow growth and even depression.
As I said, these are some things that I have learned. I am not always the best at it. My kitchen in chaos and looks like it blew up because I am going through cook books, I watch more TV than I should and eat junk for snacks, but I am working each day to be a better mom for my kids and wife for my husband.
Monday, March 2, 2009
Great tips!
Hi Jamie,
I looked up your benny on a budget blog and just wanted to commend you for your family's desire to get out of debt. So many people choose to not take action or even admit to themselves that they can make changes in the way they live, think, and spend money. People assume quick fixes will take care of their problems as opposed to choosing true financial freedom, which involves a lifelong way of thinking and living. You're right, finances are the most difficult, hush, hush topic for people to converse about. This is because it isn't just about money. The way we spend money is more an outward manifestation of our inner values and behavioral patterns. That's why people get so easily defensive at the thought that they might not know how to control their spending/finances.
If you haven't already heard of these, I thought you might enjoy reading these 10 financial principles that are great little maxims for living:
Take care and good luck on reaching your goals!
Jen
Ten Financial Principles Everyone Should Know (...and live by...)
No, I'm not on a soap box. I really just felt like posting this because I love to be reminded of simple maxims for living. With our nation experiencing it's current economical crisis, I thought it'd be nice to post these basic financial principles that I've learned that can easily be forgotten as we live day to day. For those of you who are LDS, I've included scripture references that correlate with each principle. Take some time to ponder the concepts - it'll be fun! :)
Ok, here we go:
1. Financial problems are usually behavior problems rather than money problems. (Matthew 25:14-18)
2. If you continue doing what you have been doing, you will continue getting what you have been getting. (Galatians 6:7)
3. Nothing (No-Thing) is worth risking the relationship for. (1 Timothy 6:7-11)
4. Money spent on things you value usually leads to a feeling of satisfaction and accomplishment. Money spent on things you don't value usually leads to a feeling of frustration and futility. (Matthew 6:24, 31-33)
5. We know the price of everything and the value of nothing. (Matthew 6:19-21)
6. You can never get enough of what you don't need, because what you don't need can never satisfy you. (2 Nephi 9:51)
7. Financial freedom is more often the result of decreased spending than of increased income. (Proverbs 21:20)
8. Be grateful for what you have. (Ephesians 5:20)
9. The best things in life are free. (1 Corinthians 2:12)
10. The value of an individual should never be equated with his or her net worth. (Matthew 16:26, Doctrine and Covenants 18:10)
It's easy to look at these principles and think "Duh, that's common sense!" But if we look at ourselves and the world around us we'll quickly learn that common sense doesn't always equal common knowledge practiced. Let's all try harder to act more responsibly over all that we've been blessed with.
(10 Principles and correlating scripture references taken from "For Love and Money: How to share the same checkbook and still love each other" by Bernard E. Poduska, c.1995)
I looked up your benny on a budget blog and just wanted to commend you for your family's desire to get out of debt. So many people choose to not take action or even admit to themselves that they can make changes in the way they live, think, and spend money. People assume quick fixes will take care of their problems as opposed to choosing true financial freedom, which involves a lifelong way of thinking and living. You're right, finances are the most difficult, hush, hush topic for people to converse about. This is because it isn't just about money. The way we spend money is more an outward manifestation of our inner values and behavioral patterns. That's why people get so easily defensive at the thought that they might not know how to control their spending/finances.
If you haven't already heard of these, I thought you might enjoy reading these 10 financial principles that are great little maxims for living:
Take care and good luck on reaching your goals!
Jen
Ten Financial Principles Everyone Should Know (...and live by...)
No, I'm not on a soap box. I really just felt like posting this because I love to be reminded of simple maxims for living. With our nation experiencing it's current economical crisis, I thought it'd be nice to post these basic financial principles that I've learned that can easily be forgotten as we live day to day. For those of you who are LDS, I've included scripture references that correlate with each principle. Take some time to ponder the concepts - it'll be fun! :)
Ok, here we go:
1. Financial problems are usually behavior problems rather than money problems. (Matthew 25:14-18)
2. If you continue doing what you have been doing, you will continue getting what you have been getting. (Galatians 6:7)
3. Nothing (No-Thing) is worth risking the relationship for. (1 Timothy 6:7-11)
4. Money spent on things you value usually leads to a feeling of satisfaction and accomplishment. Money spent on things you don't value usually leads to a feeling of frustration and futility. (Matthew 6:24, 31-33)
5. We know the price of everything and the value of nothing. (Matthew 6:19-21)
6. You can never get enough of what you don't need, because what you don't need can never satisfy you. (2 Nephi 9:51)
7. Financial freedom is more often the result of decreased spending than of increased income. (Proverbs 21:20)
8. Be grateful for what you have. (Ephesians 5:20)
9. The best things in life are free. (1 Corinthians 2:12)
10. The value of an individual should never be equated with his or her net worth. (Matthew 16:26, Doctrine and Covenants 18:10)
It's easy to look at these principles and think "Duh, that's common sense!" But if we look at ourselves and the world around us we'll quickly learn that common sense doesn't always equal common knowledge practiced. Let's all try harder to act more responsibly over all that we've been blessed with.
(10 Principles and correlating scripture references taken from "For Love and Money: How to share the same checkbook and still love each other" by Bernard E. Poduska, c.1995)
We did it!
We made it through the month with out buy anything unnecessary! It can be done. You can go an entire month making dinner every night and not eating out, really, we did! We saved over $550.00 this month by only spending our food budget ($500.00)! Now I must confess, there were a few things that I HAD to buy that were not food items. Connor had one pair of sock and I figured it would cost more to wash them everyday than to go get some new ones, and Connor was not into the whole "make your own Valentine's", so we did have to make some "special" purchases, but I used our food money!
I am just so proud of us for sticking to the plan. There were times that John and I wanted to give up, but we helped each other during those times and pushed through. It's just a good thing we weren't both having a bad day on the same day!
Alright, for this month I am going to try couponing! I am a little nervous about this one and I have my friend walk me through the process, but I think I just need to do it to see if it will work for us. I tried price matching last month and that was pretty cool. So, it you have any great couponing ideas, I would love to hear them. Here is what I know so far.
*I am getting 4 paper (I guess the daily Herald is the cheapest and has a deal called "the savvy shopper" which gives you 5 papers at a really good price. I guess I messed up on that one already!)
*You go to pinchingyourpennies.com and see all the deals at all the different stores
*Walmart does price matching (you just tell them what you will pay for you stuff, nice!)
*There are things called Beer Rebates that are either back by the beer or at customer service. You don't have to buy beer to get them, just usually specific products. (Walmart does not have them)
That's all I can think of right now. Please post any other great deals and ideas on couponing or saving money!
I am just so proud of us for sticking to the plan. There were times that John and I wanted to give up, but we helped each other during those times and pushed through. It's just a good thing we weren't both having a bad day on the same day!
Alright, for this month I am going to try couponing! I am a little nervous about this one and I have my friend walk me through the process, but I think I just need to do it to see if it will work for us. I tried price matching last month and that was pretty cool. So, it you have any great couponing ideas, I would love to hear them. Here is what I know so far.
*I am getting 4 paper (I guess the daily Herald is the cheapest and has a deal called "the savvy shopper" which gives you 5 papers at a really good price. I guess I messed up on that one already!)
*You go to pinchingyourpennies.com and see all the deals at all the different stores
*Walmart does price matching (you just tell them what you will pay for you stuff, nice!)
*There are things called Beer Rebates that are either back by the beer or at customer service. You don't have to buy beer to get them, just usually specific products. (Walmart does not have them)
That's all I can think of right now. Please post any other great deals and ideas on couponing or saving money!
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