• CONGRATULATIONS to Our 5 “Money Saving Mom’s Budget” Book Winners!

    The names have been drawn for the giveaway!

    CONGRATULATIONS to

    Melissa Donovan

    Bonnie

    Brooke Butcher

    Lisa Smith

    Angela W

    for winning a copy of

    Money Saving Mom’s Budget by Crystal Paine!

    Thanks for making a comment in honor of our Giveaway!

    An email has been sent to you with more information*

    Enjoy Reading Your Next Book!

    Don’t forget to enter our next Giveaway (the next giveaway will be announced later this morning)!

    *Giveaway must be claimed within 5 business days of the prize being announced.  Failure to claim the prize within the allotted time frame means you forfeit the prize.

  • Living on a Budget: You CAN Walk Away with Empty Hands

    You can walk out of a store without buying anything…..really it’s okay!  Earlier this month I went into Walmart with the intention of purchasing an item.  I had received a $5 coupon for a particular item in the mail and a few weeks earlier I noticed that item for $6.  When I went in they no longer had it at the same price and the least expensive item of that brand was over $10 so I decided it just wasn’t worth it.

    Walmart is one of those stores it is hard to walk out of empty handed, but since the item I went in for wasn’t within my budget and I didn’t need anything else I left without purchasing anything.  The store was on my way home so I didn’t waste any extra gas in going to the store.  In some ways it was empowering to walk out of the store without anything except my purse in my hand.  There was a time in my life it would have been a lot harder to do that.  I am thankful for a husband who helps me stay accountable with the budget so we can have the opportunity to share with others.

    Are there any stores you find hard to walk out of empty handed?  Is it easy for you to do?

    Photo by StopNLook

  • Living on a Budget: Creative Cash (April Update)

    April is my third 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 have tested this goal over the last couple months as I am challenging myself to make my life more simplified.   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.  We 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.

    April was a great month even though I was out of town for half the month.  Thankfully we started the month strong and I was able to  go over 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:

    • $23.11 – 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.
    • $64.70 – A portion of the proceeds from our family garage sale the first weekend in April.
    • $26.20 – A portion of the proceeds from the Upstate Kids Consignment Sale
    • $28.85 – A portion of the proceeds from the Mothers of Multiples Club Consignment Sale.
    • $3.87 – Bag of Aluminum cans taken to the Recycling Place.
    • $18.99 – Other miscellaneous amounts earned  (3 rebates, returns, cash back,  extra money, etc…) that was added to my stash for the month.

    April’s “Creative Cash” total was $165.72 which means $82.86 extra that goes towards our current goal (paying down debt) and $82.86 goes towards charity.  It was exciting to go above the $100 goal again and to know it helps us get a little closer to our goals as well as helps others along the way.  I have plan of action on ways to earn creative cash in May 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 April.  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

  • Book: “The Millionaire Mind” by Thomas Stanley

    As I was thinking about the various books I have read over the past few years “The Millionaire Mind” by Thomas Stanley came to mind.  In this book Stanley explains the research he did on how America’s wealthy got there.  You don’t need to make a substantial amount to be smart with your money.  Living a flashy and fancy lifestyle isn’t what it takes to be wise with your finances.  I found it fascinating learning more regarding the millionaire “mindset” and the questions he asked in his research.

    Our family has been trying to stick to our budget and be more responsible with the blessings we have been given.  We are by no means millionaires but we feel it is important to always continue to learn and grow.  My husband and I listened to the audiobook version of this book together.  If you are trying to wrap your mind around finances this is fun book to read or listen to as you work through the process as a family.  I encourage you to communicate and pray as a family as you go on this journey together.  When we were first married it became very clear that Jake and I had different patterns and views on finances.  Taking the time to listen or read these types of books together helps encourage and strengthen your relationship while providing a positive outlook on finances.  What works for one family may not be doable for the next family, however, we all have been giving many blessings in life.  We still continue to make mistakes, pick ourselves back up, and learn from the lessons God continues to teach us.  We want to purposely chose to be wise with what we have been given so we have more opportunities to share with those around us.

  • Seasonal Clearance: Garden Items

    One of the best times to stock up of items for the next year is to buy them on clearance.  My favorite deals happen when they are 90% or more clearance.   The good news is you don’t even have to use a coupon to get a great deal.

    Here are my recent garden treasures from Dollar General at 90% off:

    • 2 – Topsy Turvy’s
    • 2 – Cultivators
    • 2 – Transplant Shovels
    • 2 – 2 pound bags of Organic Fertilizer
    • 4 –  packages of Jobes Plant Fertilizer Spikes (200 Spikes)
    • 2 – Bonide Mosquito Repellent
    • 1 – Fongonil Plant Spray
    • 1 – Luster Leaf Water Level (measures the moisture of the dirt & lets you know when it needs water)

    The total amount before savings was $59.89 and I paid $5.99 out of pocket (including tax) giving me a savings of $53.90 (over 90% in savings).  The best part is all the money was saved without using coupons and I will be able to use them in my home and garden.  Check out the local stores in your area for clearance gardening items if you plan to do one next season.  Now is a good time to get some garden supplies!

  • Book: “The Total Money Makeover” by Dave Ramsey

    Seven years ago my husband and I read through The Total Money Makeover: A Proven Plan for Financial Fitness by Dave Ramsey with a group of young couples from our church.  It was a great time in our marriage to review our spending habits and find ways to get our finances in order.  In just a few years we paid off all our debt (with the exception of our mortgage) college loans, cars, credit cards, and saved up enough money for emergencies, 12 months of expenses, and to start our own business.

    It was freeing for us as a couple to have structure with our money including doing a budget together and being smarter when spending.  It took some sacrifices to meet our goals but reading this book and going through it with friends helped us stay on track.  We are still learning and adapting as we adjust to what life brings are way (including some financial setbacks, 12 weeks of bed-rest and beautiful twin daughters who spent time in NICU).  The neat part about the setbacks is you now have guidelines already in place to help you get back on track.

    Dave Ramsey’s has a lot of great financial tools for your family.  I encourage you to start by reading or listening to this book.  He has a Workbook that goes along with the book and a CD if you prefer listening over reading.

    Workbook – The Total Money Makeover Workbook.

    Audio Cd – The Total Money Makeover: A Proven Plan for Financial Fitness

    I wish you the best as you find ways that work for your family!  Going through this with friends provides an additional support structure while you learn together.  We have given our book out to family and friends numerous times!