• Living on a Budget: Creative Cash

    Although I am working part time, a stay at home Mom, and wear many other hats from day to day it is important that I am finding ways not only 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.  The extra amount I bring in on top of the work items 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 as I 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 honor God 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  As it comes in the money is placed into our savings account and withdrawn at the end of the month so it can be split.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.

    February was a wonderful month and we were able to accumulate more than anticipated.  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:

    • $196.88 – Items sold on Ebay:   The majority of items sold were coupons (only 2 toys were sold and they counted for less than $15 of the total amount made).  I encourage you to look around at some of the coupons you get the mail, newspapers, magazines, or other places and if you will not have the opportunity to use them then consider selling them for a little extra creative cash.  I had been saving up several to sell so February was a good month with Ebay.  You can check Ebay to see what is the best way to sell them and if it is worth your time to do it.   I have sold anything from lots of grocery coupons to baby coupons to store coupons and more.  Hint – Baby Formula checks / coupons sell really well on Ebay especially if you will not be using them.  Also, Bed Bath & Beyond coupons never expire and sell really well in lots plus you can add the Linens n’ Things coupons to the lot or use them in the stores.
    • $21.24 – Recycled Goods:  we took several items to our local recycle location this month.  It was the biggest recycling month we’ve had because we had a broken dishwasher, a couple scrap metal pieces such as heat vent and an old sewing machine, plus several months worth of regular cans (the price was $255.00 / NT) and aluminum cans ($0.66 / LB).  Our trash company doesn’t pick up recycled goods for us so we decided to do it as a family on our own and as an added perk we get a little extra in return.  Especially if you are already recycling try finding a place in your area that takes recycled goods near you.  I went to CRC Scrap Recycling since I was already going to be working in that area.
    • $120.00 – Items sold on Craigslist: we had a few bigger items that we were no longer using that we sold.  We had really great luck on Craigslist this month, it can be hit and miss on Craigslist depending on the week and what people are looking for on the site.
    • $37.89 – Ebates cash – we ordered just a few items online and received this rebate.  If you are already ordering items online you should check out Ebates.  They give you extra cash back on many online purchases and any additional savings on items we are already purchasing is a bonus.
    • $15.38 – Other miscellaneous amounts earned  (a rebate, return, and extra money) that was added to my stash for the month of February.

    February’s “Creative Cash” total was $391.39 which means $195.69 extra that goes towards our current goal, paying down debt and $195.70 goes towards charity.  It was exciting to surge past the $100 goal 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 March 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 February.  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!  If you know of another way to earn creative cash I would love to hear it!

    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

  • Life Simplified: Sell, Give, Donate or Toss It?

    I was listening to the radio a few weeks ago and heard the announcer telling a personal story how she had a box of knickknacks and other items.  She was procrastinating on organizing the items and as she was going through it she was trying to decide what she should give away, put away or throw away……in the end she just got a bigger box.

    This little story stood out to me because I have been thinking about how we as a family and Americans in general need to cut back.  One of my goals in 2011 is to simplify my life more by enjoying the blessings and not wasting what God has given me.  I have been sharing with you the successes and challenges on those specific areas in my life as I go through them.

    My Third Life Simplified Goal:

    • Organize & De-Clutter our Home

    Explanation of the Goal: When my husband and I were first married we lived a nice but small apartment.  When we had friends over to eat we had to sit on the floor or the hand-me-down love seat that I received from a client that was throwing it out.  The majority of our items have been purchased second hand or given to us by family or friends.  After a couple years in the apartment we moved into our home and then had kids.  Recently as we were sitting together talking about life we realized how much “stuff” we had accumulated over the course of a few years.  I am a sentimental person so a lot of items have a story behind them, but there a many items in our home we no longer use.  The girls have baby toys that they no longer play with along with knickknacks here and there.  Over the course of the year we a going to reorganize and de-clutter our home.  I think it will be a continual work in progress, however, if we are not using an item we need to evaluate if we really need it.

    Here are some ways we anticipate eliminating some of the clutter:

    • Sell It – EBay, CraigsList, or Garage Sale
    • Give It Away – to someone needing or wanting the item.
    • Donate it to a charity or an organization that can give it to a person who can use it
    • Throw it away – this one is hard for me!  I am still learning that it is okay to not keep every single piece of paper my kids scribble on.  I want to have some to put in a scrapbook for them but I don’t need every paper.  I love the memories!

    We have already started working on this goal.  It is amazing how easy it is to post to CraigsList and Ebay which the items usually sell within a week or two.  When someone is over at the house and we realize that they could use something we have but are not using we take the opportunity to give it away.

    I will share with you the challenges, successes so you can keep me accountable or even go through the journey with me by participating  and sharing your story.  I would love to have an organized and de-cluttered home by the end of the year.

    Life Simplified is a series on getting rid of the extras in our life while learning how to enjoy what God has given us so we can continue to be a blessing to others.  Our homes can quickly start are bursting with “stuff”  and if you are like us we just have too much.  I am doing a series on ways we are learning to simplifying our food, homes, and lives.  When our hearts, lives, and homes get too cluttered we may start missing out on opportunities to serve and bless the people around us.