September is my eighth month tracking my Creative Cash.  What is Creative Cash?  Creative Cash is finding ways to come up with extra cash to share with others as well as work on our current goal.  I am working part time, a stay at home Mom, and wear many other hats from day to day, however, I feel that it is important to save money for our family by using coupons and buying items on sale but to earn a little money to help with the extra expenses and to share with others.  The extra amount I bring in on top of the work is what I call “Creative Cash” which means finding ways to make money creatively or with items and talents I have already.  I plan to continue this goal for the remaining months of the year.  Despite the many financial obstacles that we have faced as a family we have been blessed with so much.  My husband and I believe it is important to be accountable with our finances and give to others.

Explanation: The creative cash will be made throughout the entire month through various endeavors.  As it comes in the money is placed into our savings account and withdrawn at the end of the month so it can be split.  It is my goal to make at least $100 extra a month to help with our goals as well as share with others.  At the end of the month the money will be split 50 / 50 with half going towards our current goal we are working on (which at the moment is paying down debt) and the other half going to charity.

To be honest September was not a great month, however, it was better then August.  In August I wasn’t able to do any extra activities to generate creative cash; our family had several out of town trips, guests, events, and a lot of other activities in August that took up the extra time I had available.   I am thankful that we have had the opportunity to travel together as a family and create many great new memories, however, the creative cash has been effected by it.  Although life is still busy we are at least home more now giving me the flexibility to focus on this goal as well as other ones.  I anticipate October being another busy month but now that the girls are back in school life will once again return our new “normal” and I hope to come closer to meeting this goal.  Thankfully I was able to save some extra cash even though I did not reach my my goal of $100.  I want to share with you the ways we did it so if you are looking for ways to make a little extra creative cash for your family hopefully we can be an inspiration in getting your creative juices flowing:

• $7.97 – Items sold on Ebay (after fees):   The all the items sold were coupons.  I encourage you to look around at some of the coupons you get the mail, newspapers, magazines, in your stockpile, or other places and if you will not have the opportunity to use them then consider selling them for a little extra creative cash.
  
• $39.00 – Other miscellaneous amounts earned  (rebates, returns, cash back,  extra money, etc…) that was added to my stash for the month.  Most of the cash this month was from a rebate check I received.

It was a harder month to set the extra aside because it was very busy and I was not able to participate in as many extra creative cash activities.  The good news is despite the crazy schedule I was able to get a few dollars of creative cash.  September’s “Creative Cash” total was $46.97 which means $23.48 extra that goes towards our current goal (saving for 3 to 6 month Emergency Fund) and $23.49 goes towards charity.  I didn’t hit my $100 goal this month.  It has been really busy with school being out part of the month and traveling with the family.  I am happy that I was able to contribute something this month and every little bit helps us get a little closer to our goals as well as helps others along the way.  I have a plan of action on ways to earn creative cash in October so stayed tuned, hopefully, it will be another month where we can get closer to our goal and share with others.  Each month I do a variety activities to accomplish this goal, the items above are just the ones I did specifically in September.  I look forward to sharing more of the things that work well for our family as I do them in the upcoming months.

I will share with you the challenges, successes, and updates as I go through this journey so you can keep me accountable or even go through it with me by participating  and sharing your story. Taking the extra time to find ways to help our family as well as invest in the lives of others is important to us.  I hope that we have been able to encourage you to find ways to come up with some creative cash for your household as well.  Obviously, each situation and family is unique so decide what works for you and go for it!  Do you know of another way to earn creative cash?   I would love to hear your idea!

Living on a Budget is a series of ways our family uses a budget to help keep us accountable with our finances.  Life doesn’t always go as planned.  We have used some of the ideas I will be sharing for years while others are ones we are just starting to implement as we continue finding ways to be creative and have fun with what we have been given.  Having a plan in place allows us the freedom to be smart with what we have been given, get more creative when it is a tight (week, month, year or a season) and when necessary live a much more simplified life.  A budget helps us stay on track so we have more opportunities to enjoy the many blessings we have been given as well as share what we have with others.  There is so much more to life than having all the stuff.  We may not have the newest or greatest items in our house, we drive used cars, and wear hand-me-down clothing…..however, if our family is taken care of and have love for each other and others we have more than all the riches in the world.

Photo by StopNLook