19

Why We Kissed Costco Goodbye

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Costco

This is not an anti-Costco post.

I really, really like Costco. I’ve been a member since it was called Price Club.

The thing is, though, times are tough. And things that we used to consider necessities are now viewed as luxuries.

When finances are tight, one of the best things we can do is honestly distinguishing between needs and wants. The needs stay while the wants become negotiable.

Today I have the pleasure of sharing this post at Growing Slower. Shannon’s blog is one that I have been reading for several years in an effort to live simply on a budget. I hope you’ll take a moment to hop on over to her blog where she offers tips and advice on saving money, simple living, and family life. 

To finish reading this post, click here.

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20

My #1 Tip For Trimming Grocery Spending

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grocery-tip

If you’ve read my blog, you’ve probably heard me say that our bills may not be negotiable, but our grocery receipts usually are.

When finances are tight, often the only area we can control is our food spending.

While my husband works hard to bring the money in, my job is to make it go as far as it can while feeding our family healthy meals. With two growing teenagers, that task isn’t always easy, but it is possible.

Today I’d like to share what works for our family.

I’m honored to be sharing this post today at Family Balance Sheet. Kristia’s blog has been an inspiration to me as she is “a mom on a mission to help families live well on less.” She shares “money-saving tips and ideas about family finances, food, home management, & family life.” 

To continue reading this post on her site, please click here.

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4

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

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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 →

12

Heaven, Hell, and Life After Death (A Giveaway!)

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life-after-death

Do you have a clear picture of life after death?

Do you know where you are going to spend eternity?

This subject is a very hot topic among believers, non-believers, and everyone in between.

I believe this is an important question for all of us to reconcile in our minds and in our hearts. What we believe about our eternal lives directly affects our earthly lives. Continue reading →

15

Why I Don’t Think Credit Cards Are All Bad

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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

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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 →

1

Thoughts On Stewardship

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Growing Plant

I’m sure I don’t have to tell you that most American families have been impacted by the recent economic downturn. Some of us have felt the impact more than others, but I would imagine that no matter where you find yourself on the spectrum, you could always use a tip or two to help you save a buck or two.

Since moving from city life to the country life 8 years ago, I have learned to be much more self-sufficient around the home simply because I don’t have the city conveniences around me. While this has taught me many valuable skills, it has also shown me how much money can be saved when we put forth a little (or a lot!) more effort. Continue reading →