Our Frugal Disney Vacation

One day at Disney World can be expensive for a family of 6, but 5 days can be down right ridiculous. You can read about how we save for our Annual passes and this vacation here.

We stayed at the Fort Wilderness Cabins. I chose here because I have always wanted to stay in a cabin and it also came with a kitchen. Now Disney has quite a few options for large families. There is the option of getting 2 rooms at the same hotel, but you are not guaranteed side by side rooms, though I have never had a problem getting them. But there is no kitchen and would have to go out to eat for every meal. Then there are family suites at some hotels that sleep up to 6 and have a kitchen, problem though is you hear everyone walking through the halls and talking loudly. The cabins are placed about apart from each other so you don’t hear all the footsteps and voices.  Comparing the cabin and the family suites, the cabin turned out to be much better priced. Now the cons, we are early to bed and early to rise people, so I didn’t take that into account when it came to the daily 10pm fireworks show that we could hear clearly even though it was at Magic Kingdom across the lake. The kitchen was poorly stocked as far as cookware. Let’s say it took some adjustments to cook the meals I did cook. Can you say aluminum foil cookie sheet?

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After we checked in, we headed for the nearest Publix to do some grocery shopping. I had it planned where we would have one dinner and one breakfast out and the rest at the cabin. And of course for the first night we grabbed some subs at the store. For a total of $160 which we took from our grocery budget.

Breakfast: Pancakes, french toast sticks, toaster strudels or breakfast sandwiches and then out to eat. You have to have Mickey waffles once while at Disney.

Dinners: subs, Burgers, chips and leftover potato salad, Golden Corral, Chicken Cordon bleu and tater tots.

Not the healthiest meals but better than hamburgers and french fries everyday.

Now as you can see I left lunch out because we were mostly at the parks during that time. And most of the time we didn’t eat breakfast until 9am so we weren’t hungry for a big lunch. We mostly purchased snacks. First day was fruit, second day we actually ate a big lunch, third day funnel cakes and last mickey pretzels and churros. (Don’t judge it’s a vacation from our diet too!)

Souveniers are a given when you are at a place like Disney. My older kids had earned or saved some money before the vacation. I had also earned 4 free $10 Disney giftcards with our movie rewards and then my grandmother gave each of them $5. So each had $10-15 saved, a $10 giftcard and an additional $5, once it was gone it was gone. And Mom and Dad weren’t handing out extra. This was to be spent on whatever (within reason) they wanted. We provide necessities but if you want a bag of candy, you have to buy it yourself. This worked out well for some and not so well for others. But maybe it was a lesson learned. (Hopefully?!)

In the end, we came home with over $100 still in our pocket to put towards our next vacation fund. And a lot of priceless memories!

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Being Frugal and still have fun!

Last month, my family went and bought Season passes to Walt Disney World.

WHOA! What! Wait a minute! I know I have been posting on being frugal and then I just went and dropped a ton of money on Disney passes! How can that be? Well let me tell ya!

Back in the good ol’ days I could swipe a credit card and buy our passes and not even blink about. No biggie right? I’ll just pay it later or should I say Hubby would. Well then the economy apocalypse came and I didn’t have credit cards to rely on. All I had was cash. I knew our Disney days were numbered. I had been a passholder religiously since I was 13 years old. What was I going to do?

I ran across this website called Couponing to Disney  and I started reading about her ways of saving for Disney vacations. I thought I can do this. So the year my son was born I started a Disney fund. I would put all of the change we got when we would pay for something in a container. I also would have yard sales and sell items on craigslist. When those items sold, it went into the Disney fund. It took me a year to save up for passes and a weekend getaway. As soon as I cashed in a bought the passes we would start our next fund. Now the following year we got lucky, one of hubby’s distributors real screwed up an order of cabinet doors. Hubby sold the customer on them anyway but complained to the manufacturer. The manufacturer then issued us a refund and it was just enough to cover Disney passes.

This pass year I started adding more ways to save. When I would get gift cards, instead of going on a shopping spree for more things I didn’t need I put them toward groceries and put cash to equal the same amount into the fund. I also started using paid email websites to earn a little here and there. Any mail in rebates went in along with any random cash settlement checks from a lawsuit here and there. You know $2-$3 will add up over time. By the time Christmas and my birthday came around, I was only $300 short so hubby said take the cash as you present.

We also went out on a limb and planned a 5 day vacation. The kids and I pulled all of our gift cards together and have saved about $900 towards it. That is just from Christmas, birthdays and an awesome site called Mypoints.

This website gives you points per dollar you spend at well know retailers when you shop online. I did most of my Christmas shopping online this year and was able to rake up 15,000 points. Enough for about a $100 Walmart gift card.

These are just a few ways to be frugal but still have fun.

Our vacation is coming up in a week and 2 days (but who’s counting?). If you want to follow our trip, you can follow me on twitter  or instagram.

Back to Basics~Grocery shopping

We covered how to make a menu. Now lets cover how to grocery shop cheaply.

Shopping List~
After you have a menu plan, you will want to make a list. Gather all of those recipes and make a list of every ingredient you would need. Even if you know you have it, write it down. If you need the same item for different recipes write down how many or how much. Nothing will throw you off your meal making stride like needing 2 eggs and only having 1. Now go through your kitchen and mark off all the items that you have already. While you are doing this, write down any items that are essentials that you might be getting low on. For us that would be flour, sugar, milk, eggs and Hubby’s coffee, just to name a few.
Now time for our sale ads. Go through and write down any deals you see that would be beneficial to your family. Maybe there is a deal on toilet paper or razors. Stock up!
Coupons~
I use to be one of those mom’s who couldn’t buy anything without coupons. This was before the TV show made us look like freaks. Why did we need 20 bags of dog food when I don’t have a dog?  BECAUSE IT’S FREE!!! Then I saw the show and thought WOW I am spending a lot of time on couponing and coming home with a lot of junk I didn’t need just because it was cheap or free. It can be a double edge sword. You want to save money but you don’t want it to take away from your family time or become an obsession.
I still stockpile certain items using coupons. But everything I buy in excessive amounts is things that we use. Razors, shaving cream, body wash, shampoo, toliet paper and toothpaste are just a few items I keep a look out for deals and coupons. But I have 3 teenage daughters. If it was just me and my hubby, probably not.
Also having 4 kids, I keep a lot of snacks in the home. I always look for Buy one Get one (BOGOS) deals and coupons to match. This keeps my grocery bill down significantly. Once you get familiar with you store of choices sales, clipping coupons will be easy. I can go through a coupon book and know which coupons are good to clip based on what my store puts on sale. I also only clip coupons I know I will use.
But if your not into couponing, I have gone weeks by just making a list of what I need and sticking to it and never touching a coupon. It works just as well, you just have to resist those extra deals you might see in the store.
Now if you like the idea of coupons but don’t have time, try looking for a blog specific to the store of your choice. There are tons of bloggers out there that are doing the work for you. Just do a search for <Insert store name here> ad match ups. They will have all the deals listed with coupons for that item listed as well. They also show you the best deals of the week with a special symbol.
Prices~
I have been doing this for a while, so I have gotten pretty good at knowing my prices at the stores I like to shop at. Like I know for $14 I am going to get a little over 3 pounds of hamburger. But if I go to BJs, I will get over 6 pounds for around $15! Having a large family of predominant meat eaters this can be our most expensive category on the shopping list. But knowing where to get the most bang for you buck is the key. For me that would be a warehouse store. Again if it was just me and the Hubby, most likely not. You have to go what works for your family. Now if we were vegetarians, I would shop mostly at our local farmers market.
Which is another option, for fruits and vegetables, shop locally. If you are lucky enough to have a local farmers market then take advantage of the straight from farm approach. I have gotten some amazing deals shopping here.
For me the key, is to stick to a few stores and get to know them like the back of your hand.

Back to Basics~ Menu Planning

This week I am starting our living frugally posts. I took this month to get back into a routine of school and normal life after the holidays. Now we are living on a budget and saving.

But before then there are a few things that  I have started doing just to get into the mind frame of saving.

Gather your family’s favorite recipes~

I have gone through countless cookbooks to make an easy to find list of our favorite recipes, where to find them and what page number. My list is broken down by Breakfast, Lunch, Dinner and Desserts. This is truly a life saver. I can’t tell you how many times I have had to sit and go through all 14 years worth of cookbooks to find what I am looking for. This is a time saver, but also gives you a starting point for menu planning.

Menu Planning~
Organization is the key to saving money especially at meal times. The best way to be organize is to menu plan. Pick a day, mine is usually Sunday, to make a menu for a week. Look at your families favorite recipes, what you have on hand and what is on sale at your local grocery stores. As a homeschooling mom, I have to serve 3 meals to at least 4 people (most days it is 6), but I try to at least have a solid plan for breakfast and dinner because those are our family meal times. Lunch I plan sometimes based on what leftovers I have, but mostly it’s a fly by the seat of your pants meal. If your kids are at school or you work out of the home then only menu plan for the meals ate at home as a family. I like to leave my weekends open for trying new recipes.
In the end, we are trying to eliminate the drive thru solution to dinner. So start small, look at what meals are ate most from fast food establishments and make that your meal goal. Plan a weeks worth of meals for that time. Then plan two weeks. Now I am not saying don’t treat yourself once in awhile or look at your menu as the bible. Life happens! But even if this helps you get dinner on the table easier 4 nights out of the week, then it’s a winner.
 

2014 homeschooling schedule

I am excited for this new chapter of schooling. I made some changes that I hope and pray will work because I just don’t know if I can handle throwing out and starting over part 3. Originally we were doing 6 weeks of school and then a 2 week break. This was idea when my kids were younger, but now we are in middle school. And honestly 6 weeks isn’t enough time to fit in all the learning that we wanted to do. Basically any hands on activity and field trips got pushed to the back burner. They have burned to a crisp by now.

Plus I realized when the holidays were upon us, there just wasn’t enough time to do our regular homeschool routine and celebrate with fun activities. So, of course, all the fun was sucked out again. Also I felt like I was always rushed to shop and entertain and homeschool and EVERYTHING!!! I didn’t get to enjoy it!

Well I have found a schedule that will fix all that. January through May, we are doing school consistently with a week off in March for Spring Break. Our spring break will be different every year because we will coordinate with my oldest daughters school schedule. They will also have the occasional day off here or there.  We will wrap our school year up in May and have June and July off for summer break. Then in August we will start our new school year and homeschool strong with the occasional day off through to Thanksgiving. The week of Thanksgiving will mark our Holiday break. We will be off until after the first of the year.

This schedule is just for my older kids. My preschooler will be doing school all the time. His schedule is a little more relaxed. We usually do school 3-4 days a week. And he needs consistency to keep up with what he is learning. These breaks are the perfect time for some one on one time with mommy.

 

 

 

 

 

Welcome 2014!

Oh how I have looked forward to you! So many things are going to happen this year.

My hubby turns 40. We celebrate our 10th wedding anniversary. We have been together 12 years. Our children will turn 17, 15, 15 and 5.

But other than that I look forward to the life I am ready to live. I have spent way too much time putting things off and now I am going to do it! 

I am looking forward to blogging more because I feel like I have finally found something I love.

I am determine to take photography classes to go along with that fancy camera I got so many months ago.

I want to homeschool in a way that I see my kids love learning and flourish.

I want to get and feel healthy. I am tired of being tired and not feeling like a 32 year old.

Also I want to grow our family!

But mostly I just want to be present in my kids lives and live like it’s our last moment on Earth. As you know I have fought depression in the past and though I did good this last year, I feel like in the new year I can be even better. And after a health scare with my son, it just jump started that feel to make the most of what you are given.

So I hope all of you the best in 2014. I hope you reach your goals and I hope you will follow me on this crazy journey I call life.

 

 

Back to basics~ turning frugal

6 months after we moved out here, the economy tanked and my hubby’s business took a massive hit. We had to quit paying on our credit cards and let 2 cars and hubby’s motorcycle get repossessed. It was awful feeling knowing you had a very, VERY successful business and in a blink of an eye it could all be taken away. But we kept at it and Hubby’s business was one of the few small cabinet shops to pull through. A lot of friends of his had to close their doors and walk away after years and years of being in business. We did everything we could to make it through and the best part is our children never knew we were poor. Today when I talk about the bad days, they are shocked. That I am thankful for.

During that time, I found ways to be frugal and live on cash only. Something I had never done in my entire life and something my hubby had to relearn. If there was no cash for it, then it wasn’t happening.

Now here we are 2013 and I have been looking back at all the stuff we spend money on that we really don’t need right that minute. First off, my hubby loves to spoil me and sometimes it’s very hard to say no when he wants to buy new boots (my obsession) or when he wanted to buy me an expensive camera because I said I would like to photography classes. And if a computer or TV breaks, we have to replace it ASAP. These are all things that could have been bought as christmas presents and he wouldn’t be struggling to get me something now. Hubby can be very extravagant sometimes, spend a $1000 at one time and not even blink. That shocks me.

We are still on a cash system, but have not been frugal at all. We eat out too much….way too much! And every time we go to the store the kids want drinks, snacks or toys. Hubby is constantly buying tools or other things he says he needs.

So with that said we have taken another hit. Now we need to cut back our grocery spending to just $500. I was spending anywhere from $800-$1000 and still listening to everyone complain there was nothing to eat. They also are in a phase of everything needs to brand name. My family also had an aversion to leftovers. Some family members would have a cow if they didn’t have a freshly prepared meal. I don’t even want to know how much money I threw out with all the leftovers.

Well change is coming. I am getting back to basics. The snacking all day is out! The sodas all the time is out! The fast food lunches is out!

We are self employed! We don’t have a 401K or retirement plan. We have only what we have saved. And since my hubby turns 40 next year and isn’t getting any younger. 2014 is my getting back to being frugal and saving year.

Time to break out the Dave Ramsey book and refresh.

My old life vs my new life

City Life vs Country Life

Stay at Home Mom vs Homeschooling Mom

I remember dropping the kids off at school and going to a PTA meeting. Then heading to the mall, Target or a restaurant for lunch. Grocery shopping with no kids was normal. I made sure all of my errands were done by the time I picked my kids up from school so I wouldn’t have to go out with all 3 of them.

But I also remember the traffic and the way our neighborhood was going down hill. Our kids had no yard to play in and even if they did I wouldn’t let them. The playground down the road was home to daily drug deals and bratty teenagers. All things my babies were not going to be exposed to.

Then again, I remember how much I loved my children’s school. How nice the teachers were. You couldn’t go ten feet without someone saying hello or good morning. The school was fantastic. Had we stayed in that area, I don’t know if I would have started homeschooling.

But then I remember the way I had to leash up my dogs and take them out one by one. I also remember how scary it was doing that in the dark.

Then we moved out here where there is no traffic except during our fair days. I have an acre and half for my kids and dogs to run in. No more leashes, drug deals and bratty teenagers (except my own).

Oh but the school, I hated it. I was supposedly part of the PTA board but they never included me. I was made to feel like I wasn’t welcomed because I was new. The teachers gossiped instead of greeting you when you walked through the halls. I remember being mortified when a teacher followed me out of a classroom to continue an argument with me. I remember being looked at with disgusted to whole rest of the year. I also remember constantly fighting with the teachers to follow my special needs child’s IEP. I also remember the way they let kids bully her because she didn’t look special needs.

And now I get up start my day with a cup of coffee. Get my oldest off to school and feel good knowing my other kids are right where they should be. Every child’s path is different. Every family’s life is different. There was a fork in the road for me and I could have stayed being the typical suburban mom or moved to country and become a totally different person.

My heart is fuller knowing I changed into someone who is not so shallow, not self absorbed and very much fighting for her kids. I wanted to fit into the whole status quo of what a suburban mom is: shopping, socializing and, yes on the outside, a good mom and wife.

But I honestly regret those years that I wasn’t home with my girls. I wish I lived out in the country from the beginning and homeschooled from Kindergarten and up. I wish I saw how fast that time was going to go by and treasured it a little more.

Better late than never though.

We have a new diagnosis!

As most of you know, I have a special needs child. I came into her life at age 3 and she was unable to talk clearly at all and not potty trained.  Compared to my daughter who was only 5 months older, she was very delayed. Once I felt comfortable to say, Hey she needs help, I started fighting for her. And I have still been fighting for a diagnosis. In an earlier post, I wrote about my frustration with getting an answer, which you can read here. Well since then we got a new doctor who really listens to me and my concerns and who actually wanted to see the results of the outside test I got done on her. Since then the word Autism has been used here and there. But nothing definite. Finally I said what is her diagnosis. I just want an answer.  As of right now, she has Asperger’s Syndrome with PDD. Now he did say this will change next year because the guidelines and titles are changing. So she will be considered under the Autism Spectrum. But I feel finally on a path to answers. And with this doctor, instead of making me feel stupid for saying I don’t think she is maturing like she should, he has told me that we won’t know what the bar limit will be for her because everyone is different. I always been made to feel like a terrible parent for not having confidence in my child that she will live a normal life but that was not reality in what I was seeing at home. I didn’t want blinders on. I wanted to know why and what to do next.  And now I feel we have finally gotten the right doctor for us. It may have taken 11 years but we are at a turning point.

Here we go again! Throwing out the plans Part 2!

Yes, that is right. I am revamping our homeschool schedule again! This is what I love about homeschooling. The fact that I can stop and change directions on a whim is empowering.

So this what we were doing in the beginning.

I was trying to fit every subject into everyday. I was also trying to do preschool like I did it back 10 years ago in a daycare center. And I was trying to follow the Florida school calendar.

This didn’t work at all!

Then I began:

Doing split scheduling like I did last year. We also started 6 weeks on and 2 weeks off, except preschool. And mostly book work.

Forget about it. With 4 kids that have dentist appointments, doctor appointments, sick days and the everyday household running, I felt like I was flying through the 6 weeks, but not accomplishing anything and rushing my kids through. I would leave out the “fun” part of homeschooling~ all the hands on stuff. And I still had a preschooler who hated school. He woke up twice and told me my school sucked and that he hated school, especially coloring. Plus with Christmas here and all the fun of that, it is hard to fit in school, fun, errands and cleaning.

So for now we are just coasting through. Working on hands on projects, finishing up books that we were reading, practicing our writing and working on Math. For Lil Man, we are making everything hands on. More learning centers, more arts and crafts, more computer and tablet time. And it has been working so far.

But beginning in 2014, we begin a whole new chapter, which the girls and I are very excited about. We are starting back to school January 6 and I will be posting more regular updates then.