62

17+ Things We Don’t Pay For

by

cards-coins

Christmas is behind us and we’ve welcomed in the New Year.

Almost two weeks into it, conversations, both online and in real life, seem to revolve around our New Year’s Resolutions.

The most common seem to be getting healthier and saving money.

For a few healthy recipes, check out my white chicken chili, cinnamon skillet apples, & oatmeal cookies.

When it comes to saving money, we often underestimate how the little things can add up over the years. While each one of these may result in savings as small as a few pennies, many can be significantly more. Over time, they can really add up.

If you’re having trouble making ends meet, or need a little help reaching that financial goal, consider giving up one, a few, or all of these expenses. Continue reading →

4

3 Things We Wish We Had Done When We Had More Money

by

money-background

Things have not always been as tight for our family as they are now. They’ve always felt like they have been, but as our income has consistently declined over the last 8 or so years, we’ve had to learn to make do with less and less.

In retrospect, we had it pretty good before. We had consistency and reliability. Now we have neither. I wish we had realized then how good we had it. Instead, we focused more on how little we had.

They say hindsight is 20/20, right? I’m sharing this personal information in hopes that you can learn from our experience.

Here’s what we wish we had done then: Continue reading →

30

My #1 Rule For The Frugal Kitchen (& How I Just Broke It!)

by

money-trash

I’m sick to my stomach.

I just broke my #1 rule for my frugal kitchen.

I let 1/2 of a bottle of grapeseed oil go bad. Like really bad. It’s September and it expired in March. I don’t usually worry too much about expiration dates. (The chili that I am eating as I type this used a can of tomatoes that expired a few months ago.) But this smells rancid. It’s definitely bad. Healthy oils are one of the most expensive food items I purchase to feed my family. This would have been one of the last things I would have wanted to waste.

I purchased this oil for making homemade mayo, salad dressings, and skincare. Somehow, it got pushed to the very back of a deep cabinet and forgotten about. Ugh! Waste makes me unhappy because I simply cannot afford to throw away food. When I think of the millions of starving people around the world, it makes me feel even worse. Continue reading →

15

Why I Don’t Think Credit Cards Are All Bad

by

Credit Card

Years ago, before my husband and I had children, we had debt. Lots of it.

We had the mentality that if we could afford the minimum monthly payment, then we could afford to purchase the items we wanted. We drove a very nice, brand new truck with a $400+ payment because, well, we could afford the payment.

Then we found out that we were expecting a baby. Continue reading →

10

Frugal vs. Cheap

by

calculator-basket

Frugality is definitely in vogue these days. The lessons our grandparents learned during The Great Depression are being resurrected as a result of the current economic times. I think that’s a good thing.

I remember having a conversation with my Grandmother in which we were discussing the financial challenges my family was facing. She asked me if it made me feel better knowing we weren’t alone. I answered with an unsure, “I guess so.” My immediate thought was that I didn’t wish this for anyone else; but as I reflected more on our conversation, I realize that’s not what she meant at all. With so many of us in the same boat, at least we have each other to teach and encourage. We can truly understand each other’s situations because many of us are facing them ourselves.

That is one of the reasons I am writing this blog. I want to share the things I have learned.

Continue reading →