shopping

Being Frugal and still have fun!

/ Jeanette / 1 Comment

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

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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.

Momma’s sick week

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Last week I came down with a sinus infection that just really wiped me out. All I wanted to do was sit and rest, watch TV and drink Sprite. But as a stay at home~schooling mom whose husband works from home that was not happening. Instead of trying to be Supermom and keep doing everything, I made some adjustments to our days so that I had some moments of rest. I think it is the first time in years that when I got sick I took sick days and didn’t feel guilty at all. Life still went on and school went on but without me being in the middle of it. And I honestly think it was good for the kids.

First thing was school. It was more of independent learning. I would say the lessons and activities I wanted completed and they would go about and do their thing. Now everyday I did manage to do History and Science with them and grade some papers before I was spent. And my lil man did keep on doing preschool work, just a little less than usual. Which of course he was fine with.

Unfortunately, I picked the wrong week business wise. Hubby is working on some solid surface countertops, which is like a stone countertop, and he needed me all week for moving and lifting and flipping. So that was where my focus was, helping him and resting in between. I would lay with my sprite and tv until he called, go out back, help, come back and rest.

I delegated the cooking to Cailin because she is an aspiring chef. I even drove my two oldest up to Publix with a grocery list and money and waited in the parking lot while they shopped.  All the girls helped out with the Dakota, fixing him lunch, snacks and drinks. Daddy even put him to bed one night which never happens, because he is a Momma’s boy. It was nice. My hubby tried to get me to rest more, by telling me to let the kids be kids and just rest and watch movies, but then 5 minutes later he would call for help. It was a nice thought though.

All in all, I did realize that my children are getting to that age where I can ask more from them when I need to. But I also realized that they too are becoming independent little adults and don’t need me as much. Which means pretty soon they will be off on their own with their lives and families and not momma’s little babies no more. So bittersweet.

2014 homeschooling schedule

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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.

 

 

 

 

 

Back to basics~ turning frugal

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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.

Life of chaos

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Well the holidays are upon us. And the reason I can tell it’s the holidays is because I can’t get a break.

First there is the Christmas shopping for the millions of family members that we have. Which I do it all. Hubby doesn’t know any other store other than Lowe’s. And he likes to pull the last minute I need a gift for so & so trick.

Then there was the fact that my car broke down on the way home from an 8 1/2 hour power shopping with my mom. And did I mention that I had groceries in the car at the moment….frozen groceries. Luckily I was 5 minutes from home so Hubby came and rescued me. Now I am without a car for a while. This is after putting it in the shop 2 weeks ago for some repairs on worn out parts on the vehicle.

Then there is the income hit that came unexpectedly. So I am having to really, really budget now and be extra frugal.

Next we move on to sickness. Of course, somebody has to be sick. My middle daughter came down with some kind of respiratory infection. Heck, even 2 out of 3 of my dogs were sick. Lysol was my best friend those 2 weeks.

Last, my youngest daughter can’t handle the holidays too well. It over stimulates her, which triggers her ticks and meltdowns. Factor in that she is a teenager and her hormones are kicking in, oh it’s been a joyous season.

Needless to say I have a love/hate relationship with the holidays:

I love the weather, but hate the chaos.

I love the decorations, but hate the amount of money I spend.

I love this season and hate to see it go.

But I also hate this season and love when it is over.

Not Back to School weeks 2013

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Well I hate to say this but the last two weeks of summer for my homeschool kids have sucked!

The weekend before my oldest was to head back to school, my homeschool kids got a really bad cold. So the first week of what was supposed to be fun and HAHA we don’t have school consist of sneezing, coughing, dirty tissues and Mucinex. My poor babies were hit hard. But they were due. Other than a few sniffles here and there, they have been extremely healthy for at least 2 years.

Once they finally got back on their feet which took about a week, it was time for our back to school shopping. No we aren’t shopping for school supplies! We are shopping to stock up the house. I do this at the beginning and end of summer. It was time for a BJ run! At the beginning of summer I took Hubby and 2 kids with me. BIG MISTAKE!! Hubby threw everything in the cart and boom $1000 before coupons! Never again, I tell ya!

This time I had 3 kids and well……….I wasn’t much better……take a look……….

 

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That is my receipt next to my brand new table which is a 108 inches long. My receipt well over half! OOPS! But that’s what happens when you got to stock up the house after going 3 months of non-heavy duty shopping. Plus my table is now full. Yup that’s right there is a total of 8 with 4 being teenagers. Another post coming about that later.

So that being said our not back to school  week wasn’t very fun. Hopefully that’s not an omen for the school year.

Giving freezer cooking a try?

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Recently two of my favorite blogs did a serious of post on freezer cooking. And just from reading a couple of post I become OCD and decided I had to find out everything I could cook and freeze.  Freezer cooking is basically where you have ready to go meals in your freezer. Waiting for that day of appointments, errands, school pick-ups, followed by little Jimmy’s baseball game and then precious Patty’s dance recital. This could be my family’s answer to our fast food obsession. I mean the least little thing and I am reaching for a take out menu: late afternoon doctor’s appointment, last minute errands, a day full of cleaning the house top to bottom. It needs to stop but the only way is to have a great back up plan.

So during my “research” I found out that someone has a very similar oatmeal recipe that they freeze. PERFECT! I am making oatmeal this week and I will make up a double (or in my family’s case quadruple) batch and try to freeze it.

You freeze it before cooking it, so all you have to do one morning is thaw and bake.

I have in the past froze leftover Lasagna Casserole. And that was great! Just thaw and I added some extra cheese and little extra sauce, then bake.

Most people assume freezer cooking means taking a day and cooking a ton of food. That can work for some people. But for me making an extra batch or taking an hour a day and whipping something up for the freezer would better fit my life right now. This is the perfect activity during my son’s nap time and my girls independent study time.

The important thing to remember is make things easier on yourself, don’t stress yourself out more. The world will do that for you. Make your home life fun and easy.

I will let you know if this works for us. Who knows in a few months, I may ditch it?

Jeanette

 

Earth Day 2012~ a new beginning for us

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There was a time a few years ago that we were extremely frugal. During the early recession years, my husband’s business barely existed at all. We were barely making it by. Well in the last two years are business has picked back up a little more every year. There was a time when I would see my husband watching TV everyday to now when I barely see him because he is working SO much. Don’t get me wrong I am not complaining!

But with the increase in income has come the decrease in frugality. We buy fast food all the time. We buy little snacks and toys for the kids every time we’re out. I use to be very good about reducing waste but that seems to have stopped also. We are big recyclers around here but that is limited to newspaper, bottles, cans and cardboard, even though we can recycle more.

Grocery shopping use to be extremely tight. I fed a family of 7 for about $400 a month, that was 4 adults and 3 little kids. Now I have 3 adults, 3 teens and a toddler and can’t seem to spend less than $600. I want to get back to homemade and less processed no matter how good of a deal it is.

So beginning Earth Day 2012 our family is making changes!

I am stepping up our recycling to include envelopes, cans and anything else I can recycle.

I am pledging more homemade and less processed.

I am also going to try homemade cleaners to reduce the amount of chemicals in my home.

Reduce energy use. Less drying clothes in the dryer. Less wasting water. Lights out in an empty room (that’s mostly my kids). Open windows on a nice day. And push the air up a few more degrees and set out fans instead.

Less paper plates. I have to admit we use paper plates every day for lunch and sometimes for dinner or breakfast depending on what we are having.

We are also bad about wasting food. I always make too much and then most leftovers get thrown out. I am trying to work on reusing them in other recipes and not throwing out so much.

This is a huge challenge since a lot of this falls on me and with a family of 7 nothing is ever easy but I am ready and really excited to get started!