Tag: Saving Money Everyday

  • How To Save Money On Milk

    How To Save Money On Milk

    How To Save Money On Milk

    Even with rising prices, you can learn how to save money on milk. Using these easy tips, you can cut your costs and start paying off debt! (more…)

  • 10 Ways To Save Money On Wedding Food – Tips and Ideas

    10 Ways To Save Money On Wedding Food – Tips and Ideas

    Save money on wedding food and provide a nice experience for your guests! These easy tips will help you plan your wedding menu without breaking the budget! (more…)

  • Frugal Ethics – When Frugal Becomes Just Plain Cheap

    Frugal Ethics – When Frugal Becomes Just Plain Cheap

    Frugal Ethics - When Frugal Becomes Just Plain Cheap

    Frugal Ethics – When Frugal Becomes Just Plain Cheap

    There are times when it’s tempting to lie, steal or break one of the other 10 Commandments to get a good deal but, in living frugally, we all need to stick to being honest. This is not always easy to do, but I want to give some examples that may help you stay honest. Here are some common tactics that some people use that are unethical and sometimes illegal: (more…)

  • Are Warehouse Stores Wearing Out Your Wallet?

    Are Warehouse Stores Wearing Out Your Wallet?

    Many people head off blindly to the local warehouse store to buy cases of their favorite products, but are warehouse stores actually saving you money? (more…)

  • Dirty Dishes Cause Debt!

    Dirty Dishes Cause Debt!

    Are you trying to get out of debt or just save money for better things? Dirty dishes cause debt, so tackling the dirty dishes is the first step! (more…)

  • Staying At Home – It’s Your Choice

    Staying At Home – It’s Your Choice

    Do you want to be a stay at home mom? Many people believe it’s not possible to stay home these days, but that’s not true. It is possible, but you have to be willing to make the choices that empower you to do it! (more…)

  • Back to School Spending

    Back to School Spending

    Back to school is a time when many moms witness their money sprout wings and take flight, finding their homes at retail stores across America. I know that consumer spending is good for the economy, but I don’t take it upon myself to keep the entire US economy propped up, so when my first-grade son announced that he wanted a backpack with rollers, I saw this as a wonderful financial teaching moment. His school is small, and he doesn’t walk to or from school. He didn’t need rollers.
     
    Why I REFUSE To Buy My Kids School Clothes! Back To School Supplies Spending

    Back To School, Or Back To The Poor House?

     

    I told my son that I would give him $8 toward a backpack. I told him that if he wanted a fancier one, he could put up some of his allowance money for the difference. That’s the rule at our house. Mom and Dad buy the basics the kids buy the extras. It was amazing how my son’s perception of the need for rollers changed when his allowance was on the line. Yes, he has concluded, a regular backpack will do the trick this year.

    Thousands of parents are buying back-to-school supplies. From crayons and notebooks to calculators and lunch boxes, the list of what to buy can be as long as the list of your kids’ excuses.

    I know that you are anxious to get your kids back into school, but there is no need to take out a second mortgage just to get some quite. Instead, use some of these money-saving tips and you can happily send your kids to school and keep some of the cash for mom’s back-to school celebration!

    * Wait for the list to come out and stick to it, otherwise you might buy things you don’t need. Remember, the Bank of Mom doesn’t pay for frills. Any extras the kids want will have to be funded from their own cash reserves. I do understand that it is nice for kids to have “hip” back-to-school supplies. I look at yard sales and thrift stores for brand-name finds. For instance, I recently found a gently used Barbie backpack and a Barbie lunch box and no one would know that I paid $1.00 each instead of the $32 that Becky Johnson’s mom paid. Who says stay at home mom’s don’t make any money?

    * Don’t buy back to school clothes. Children don’t need an entirely new wardrobe every fall. Some moms act as if aliens clothes-napped their kids’ clothes the night before school and the fashion police will come arrest them if they don’t buy the latest designer clothes right away. The kids wore clothes all year long, didn’t they? If they need something like a new pair of shoes or new jeans then buy what they need, but don’t just buy a new wardrobe because it’s “the thing to do.”

    * Use back to school sales to your advantage. If you know your kids go through a package of socks, underwear or jeans every six months then stock up while they are on sale. The same is true of crayons, paper, notebooks, backpacks and lunch boxes. My son went through two backpacks and two lunch boxes last year, so this year we will buy two while they are on sale instead of waiting until the middle of the year when they are full price. We will also be checking garage sales between now and then to find any good deals on those items. Don’t be tempted to buy things that you wouldn’t normally use, though, just because they’re on sale.

    * Go through last year’s school supplies to see which things are still usable. If my student has a working calculator, the Bank of Mom will not extend credit for a new one.

    * Limit activities to one at a time. Activity fees can add up fast. One at a time is the rule at our house. If you can’t afford the activity, it doesn’t hurt for the kids to use their own money to pay for it. The best way to teach them money management is to let them manage their own money when they have nothing to lose, instead of after they have maxed out the credit cards that someone persuaded then to sign up for in college.

    Tawra

  • How To Refill A Swiffer Mop With Homemade Cleaner

    How To Refill A Swiffer Mop With Homemade Cleaner

    I have used a Swiffer Mop for years and I love it for quick cleaning! Here’s an easy way to refill a Swiffer mop with homemade cleaner and save money! (more…)

  • Resurrection Eggs (for Easter)

    Resurrection Eggs (for Easter)

    Resurrection Eggs for Easter

    How To Make Resurrection Eggs

    • 1 dozen plastic Easter eggs
    • 1 egg carton
    • construction paper

    Decorate the top of the carton with construction paper and any other decoration that seems fitting for your Resurrection Eggs.

    Fill each egg with the item listed in parenthesis below, along with a piece of paper containing the listed verse. For example, the first egg will have a piece of bread along with verse #1 that you see accompanying the bread below. Be sure to put them in order in the carton so you remember which number is which.

    Once you have made the Resurrection Eggs, you can decide the method you want to use to open them. You might open one of the Resurrection Eggs per day during the twelve days before Easter or if you’re having a big family get-together, you may choose to open them then. It is also fun for the kids to do this the day you decorate Easter eggs with them.

     

    Sample messages to include in your Resurrection Eggs:

    1. (Bread) Matthew 26:26

      While they were eating Jesus took a piece of bread, gave a prayer of thanks, broke it, and gave it to His disciples. “Take and eat it,” He said, “This is My body.”

    2. (Coins) Matthew 26: 14-15

      Then one of the twelve disciples, named Judas Iscariot, went to the chief priests and asked, “What will you give me if I betray Jesus to you?” They counted out thirty silver coins and gave them to him.

    3. (Purple cloth, representing a purple robe) Mark 15:17

      They put a purple robe on Jesus…

    4. (Thorns, like on a rose stem) Matthew 27:29

      Then they made a crown out of thorny branches and placed it on His head, and put a stick on His right hand; then they knelt before Him and made fun of Him. “Long live the King, of the Jews!” they said.

    5. (Scourge-a small piece of rope or thick string) Mark 15:15

      Pilate wanted to please the crowd, so he set Barabbas free for them. Then he had Jesus whipped and handed Him over to be crucified.

    6. (A small cross) John 19: 17-18a

      He went out, carrying His cross, and came to “The Place of the Skull,” as it is called. (In Hebrew it is called “Galgotha.”) There they crucified Him.

    1. (Nails) John 20:25b

      Thomas said to them, “Unless I see the scars of the nails in His hands and put my finger on those scars and my hand in His side, I will not believe.”

    2. (Sign saying “THIS IS THE KING OF THE JEWS.”) Luke 23:38

      Above Him were written these words: THIS IS THE KING OF THE JEWS.

    3. (Small piece of sponge) Matthew 27:48

      One of them ran up at once, took a sponge, soaked it in cheap wine, put it on the end of a stick, and tried to make Him drink it.

    4. (Something representing a spear (i.e. a toothpick)) John 19:34

      One of the soldiers plunged his spear into Jesus’ side, and at once blood and water poured out.

    5. (Rock) Matthew 27:59-60

      Joseph took the body, wrapped it in a new linen sheet, and placed it in his own new tomb, which he had just recently dug out of solid rock. Then he rolled a large stone across the entrance to the tomb and went away.

    6. (Empty) Matthew 28:6

      He is not here He has risen just as He said.

    However you use them, have fun with these Resurrection Eggs and remember that Easter is a time for great celebration of what Jesus did for us!

     

  • 25 Practical Tips To Help You Get Organized

    25 Practical Tips To Help You Get Organized

    It’s time to get organized! Here are 25 easy practical and specific tips to help you start getting organized and to make organizing as easy as possible!

    Time to get organized! Here are 25 easy practical tips to help you start getting organized and to make organizing as easy as possible!

    25 Practical Tips To Help You Get Organized

    If you missed Get Organized Part 1, you can find it here.

    One of the main excuses we use to avoid getting organized is that we don’t know where to start. We can become so overwhelmed that it can actually paralyze us mentally so that we can’t figure out what to do. I was at that point myself the day after Christmas this year. Boy did I have a mess, plus my Chronic Fatigue Syndrome was really bad. I was caught in a vicious cycle. I was too sick to clean, but sitting in a mess was making me worse and I was desperate to get organized.

    Finally, I decided I needed to practice what I preached and, using sheer grit, I made up my mind to start to get organized by just cleaning off just my fireplace mantle. While I was doing that, I noticed some other things in other areas that I didn’t want to forget to box up, so I started gathering those things together. Then I figured I might as well bring in the boxes for the things I had just gathered. One thing led to another and before I knew it I had cleared most of my living room.

    Just find one small area to get organized and start working on it. You usually feel so good just getting that one area done that you become motivated to do a little more and then a little more. It doesn’t matter what area it is in life. Whether it is dealing with debt, losing weight, getting organized or something else, stop looking at the whole picture. I’m not saying that you should live in denial, but when it’s time to get the job done, you’ll just get overwhelmed if you keep looking at the whole picture. Pick one small area and work on it. Once you have mastered it, then you can move on to the next one.

    Instead of saying I’m going to clean all the closets in the house, just decide to clean one closet or if it is really bad, decide to do just one shelf in that closet. The same goes for the kitchen or any room. Start with one shelf at a time.

    It would be impossible to cover everything about how to get organized in just one article, but here are some tips to help you get started. These ideas aren’t in any particular order and some are short tips and others are longer. I hope they help you.

    General Points to Get Organized:

    • If you are sick or are having trouble getting motivated to get organized, try my 5 minute trick. I make myself get up and clean during the 5 minute commercial on TV. For example, I try to bring in the laundry off of the linewash my dishes or pick up a room. That way, when I’m not feeling good I don’t overdo it but, at the same time, I feel like I am accomplishing something.
    • Start organizing the easiest area to clean or the area that is bugging you the most.
    • Work quickly. Don’t pick up that cute snowman your child drew and ooh and ahh over it for 10 minutes trying to decide what to do with it. Either toss it or put it in the “memories” box.
    • Have boxes and trash bags ready to use. I designate boxes for “items to give away”, “things to pack”, “things that go in another room” and “trash”. Once you have filled a box or trash bag, set it outside of the room. This makes it easier to see what still needs to be sorted, gives you more space in the room to work and gives you the feeling that your are getting somewhere.
    • When you first start to get organized, do a quick once over in the room. Quickly go through and pick up all obvious trash and take out very large items that don’t belong there.
    Time to get organized! Here are 25 easy practical tips to help you start getting organized and to make organizing as easy as possible!

    Quick Ideas to Give Your Organizing a Jump Start:

    • Make your bed. (2 minutes) Don’t assume that this will take too long. Some people spend more time trying to decide what to eat at a restaurant than it takes to make a bed.
    • Wash dishes and clean counters (depending on the level of the mess, 15 minutes to an hour)
    • Designate a spot for keys, purse, backpacks, shoes and coats.
    • Clear off the dining room table. If it is really bad, clear off the easy stuff and put the rest in a box to sort later while you’re watching TV.
    • Quickly go through the house and pick up all items of clothing. Hang them up or put them in the hamper.
    • With a trash bag, go through the house and pick up obvious trash.

    You’ll probably be surprised to see how much difference toward getting organized it makes just getting the trash and clothes picked up… You should be able to do all the above things easily in a couple of hours on the first day. Then make sure you keep doing them each day. If you did a good job the first day, it should only take you about 15-20 minutes each day after that to keep it picked up.

    Deep Cleaning or Organizing

    • Start organizing one shelf or closet at a time. Don’t flit from one room or closet to the next.
    • The main idea here is to purge! Get rid of it. Toss it out. Call it whatever you like. Just stop holding on to this stuff.
    • If it is not adding to or making your life easier, get rid of it.
    • If it is ugly and doesn’t work, toss it. (No I’m not talking about your husbands… now ladies we must be good ;-).
    • If you don’t use it or if it was the wrong thing or the wrong color, throw it out, sell it or give it away. I don’t care how much you originally paid for it. Why are you keeping it — to punish yourself for making a mistake?
    • Don’t use the excuse that “It will take too long to get organized now, so I will do it later.” I was waiting for something to cook on the stove the other day and, once again, noticed that my spice shelf was a mess. I thought, “I really need to clean that,” but my very next thought was “No, it will take too long.” Then this little voice said, “You know, you can have it done before your sauce is finished cooking.” Don’t you just hate it when you hear those voices like that?! Sure enough, it only took me about 3 minutes to do it.

    Find out where your “mess spots” are, think about why they are that way and find ways to change them. (I know with some of you, your whole house may be the trouble spot! :-)

    Here are some examples of how to get organized and stay that way:

    • I kept piling Kleenex, small bits of paper and other trash on the corner of my dresser. It drove me crazy. Why did I keep doing that? Because that was where I stood to empty out my pants pockets before I tossed them into the clothes hamper. The solution: I put a small trash can on the floor by that spot so I could easily drop everything into the trash can instead of the dresser.
    • Do you always have trash overflowing around the kitchen trash can? Start emptying it twice a day instead of once a day or buy a larger can.
    • Are you usually frustrated about stepping over mounds of clothes each time you walk into the bathroom? Make it a rule that no one can get dressed or undressed in the bathroom. Buy everyone robes. Get undressed in the bedroom, put on your robe, walk to the bathroom, shower, put on robe and go back to the bedroom to get dressed. This is also a great way to free up bathroom time in the morning if everyone has to share a bathroom.
    • Do you have a cabinet in your kitchen that starts an avalanche every time you open the door? Ask yourself these questions: Do I really need everything that is in this cabinet? Could I get by with 15 plastic cups instead of 35. Could part or all of what is in this cabinet be put someplace else? I keep all of my mugs on one shelf. In some homes, I haven’t had room to do that, so I would keep 8 mugs that I used virtually every day on that shelf and then put the extra mugs in a less accessible place. Then I didn’t have to fight 15 mugs falling all over each time I opened the cabinet.
    • Organize any cabinet this way. If your canned goods keep falling all over, try storing only 4 cans on the one shelf and putting the rest in another place, like a higher cabinet, another room or the garage.
    • This applies to organizing other rooms besides the kitchen. My bathroom doesn’t have much storage space, so I keep all my extra toiletries for the bathroom in a basket in my bedroom closet and keep only the item I am using now on my bathroom shelf.
    • Use the same method for organizing linens and clothes. If you don’t have a linen closet, store extra linens or guest linens in a guest room or spare bedroom. Also, store the sheets in the bedroom where they will be used.

    Read Getting Organized Part 3
    Clothes, Laundry and Toys

    For more helpful tips to get organized and making cleaning and laundry easier, check out our organizing e-book set:

    [organizing]

  • Kids Recipes and Crafts – Play Dough Recipe – Homemade Slime

    Kids Recipes and Crafts – Play Dough Recipe – Homemade Slime

    Easy Edible Play Dough Recipe, Easy Bubbles and Homemade Slime are fun kids recipes and crafts that’ll keep your kids entertained for hours! (more…)

  • Is Aldi Cheaper? Aldi Stores Can Save You Money!

    Is Aldi Cheaper? Aldi Stores Can Save You Money!

    Is Aldi Cheaper? Aldi stores are wonderful little supermarkets that can really help you save money on your food bill. These tips will help you shop and save at Aldis!

    Is Aldi Cheaper? Aldi stores are wonderful little supermarkets that can really help you save money on your food bill. These tips will help you shop and save at Aldis!

    Is Aldi Cheaper? Save Money Shopping at Aldi Stores

    Please Note: We are not affiliated with Aldi stores and we cannot pass along your messages to Aldi Supermarkets. If you wish to contact Aldis, you can find contact information for them below.

    I spend $250 a month on groceries. One of the best things I do to keep my budget is to do most of my food shopping at Aldi Stores. You can get a good price, get in and get out fast and you don’t have to mess with using coupons.

    An Aldi store is a small discount warehouse store. It is not an outlet store and does not sell outdated or rejected products. They offer a double your money back guarantee for all of their products. If you don’t like it, they will give you your money back plus a new item. The foods are mostly Aldi brand foods. The Aldi brand is usually very good quality. I have only had one or two items where my family preferred the name brand over the Aldi brand.

    The savings are significant. On a lot of items, I can save $1 or more over the price at a regular grocery store. Here’s an example: Chocolate chips at the local supermarket cost $1.99. Aldis regular price is .99. White bread in the supermarket costs $1. Aldis bread costs .59. Whole grain bread costs $2.59 in regular grocery store, but Aldi’s regular price is $1.29.

    Aldi stores are all over the world. Here is the link to the Aldi website to see if one is near you:

    http://www.aldi.com

    There are a few rules to follow that keep Aldis prices low:

    1. Aldi stores accept only cash, debit or food stamps.
    2. They don’t accept coupons.
    3. You have to pay a .25 deposit to get a shopping basket. There is a little quarter machine on the basket. When you return your basket, it gives you the quarter back. This keeps prices down because they don’t have to pay someone to get baskets.
    4. You bag your own groceries at Aldi stores. Bring your own bags. Put all your extra plastic sacks in an empty tissue box and bring it with you. You can also use the boxes they have there for free. If they don’t have any boxes available and you forget your bags, they charge $.10 per bag for you to buy them.

      When the checker checks you out, she puts the groceries right back into the basket and you have to take them to a separate counter to bag or box them. I usually roll the basket out to the car and box it there so that I can strap my 2 year old into his car seat while I pack the groceries. That way I don’t have to chase him around while I’m trying to get packed and I get packed up in five minutes instead of 10 or 15.

    5. To get the freshest produce, ask when their truck comes and go shopping the next morning.
    6. Be prepared. The checkers check you out very fast. I have timed it and on average it’s 2-3 minutes check out time with a full basket of groceries. It may be a little awkward the first time getting used to a different way of shopping, but once you do it once or twice, the savings are addicting!

     

    By shopping at Aldi, I get two weeks worth of groceries (excluding meat — I buy it elsewhere) for $100.00. I am in and out of the store in 30 minutes including bagging my groceries. Plan a little longer the first time as you learn your way around the store. Try it a couple of times and see if you grocery bill doesn’t go down!

    Please Note: We are not affiliated with Aldi stores. We are just happy customers. If you wish to contact Aldi, visit their web site at http://www.aldi.com. If you wish to contact Aldi, you can find contact information below. We do not know anyone at Aldi, so we cannot pass along messages for their company.

    Comments about this article from our inbox:

    Dear Tawra,

    I just wanted to thank you for your article on shopping at Aldi’s. I recently shopped there for the first time and I was very pleased with the wide selection they had available and the prices are FANTASTIC. Shopping there has already reduced the amount of money I spend for groceries to feed my family of 4 (which includeds two VERY hungry teenaged boys), and I look forward to saving more as I continue to shop there each week for my groceries. Thank you for you wonderful web site and I look forward to readying more tips and articles to save money.

    Sincerely

    Shellia Jean A.

    Tawra,

    I just read your article about Aldi’s. I wanted to suggest taking a heavy duty laundry basket so the cashier could put the items directly into the basket which would save time. It would also be a lot easier to unload at home.

    MaLia from Kansas

    To Contact Aldi Store Headquarters:

    In the United States:

    Customer Relations
    ALDI Inc.
    1200 N. Kirk Rd.
    Batavia, IL 60510

    Phone: (630) 879-8100

    If you’re outside the United States, you can find contact information for Aldi on the web at http://www.aldi.com.

    Aldi is a great store where you can save lots of money!

     

    [dining]

     

  • Easy Finger Paints Recipe – How To Make Finger Paint

    Easy Finger Paints Recipe – How To Make Finger Paint

    Kids love finger painting! Our six year old could finger paint every day and never get tired of it! Here is a quick and easy homemade finger paint recipe to make homemade finger paint with ingredients you already have at home! It’s a great indoor activity for kids! (more…)

  • 15 Tips to Save On Weddings – Cheap Wedding Ideas

    15 Tips to Save On Weddings – Cheap Wedding Ideas

     
    One of the most frequently asked questions we get, especially at this time of year is “Do you have any cheap wedding ideas to help me save money on my wedding?”
     
    15 Tips to Save On Weddings - Cheap Wedding Ideas

    Cheap Wedding Ideas To Make Your Special Day Memorable

    When you talk about money, emotions run high and if you talk about weddings emotions get even higher. Put the two together and you’ve got an explosive situation. In spite of that I will be brave, jump in and try to answer your questions with some cheap wedding ideas that turned out great!

    I think the best way to help you get ideas for a low cost wedding is to use my daughter’s wedding as an example of some do’s and don’ts that we learned. We paid about $1500 for a wedding with 100 guests and 2 attendants. She had the whole works; white gown, flowers, cake etc. In spite of spending so little, we managed to make it the wedding of any girl’s dreams and one that the guests really enjoyed too.

    As you read about these cheap wedding ideas, I hope it becomes clear that your special day is not made special because of the money that you spend but rather the love that is shared, first of all between the bride and groom and second of all between the couple and the guests. That brings me to the first way you can save money on your wedding.

     

    Low Cost Wedding Tips: The Guests

    One important thing to consider when planning a cheap wedding is to be selective when making your guest list. Decide on a reasonable number of guests that you can afford and stick to it. Don’t invite every Tom, Dick and Harry (well unless Tom, Dick and Harry happen to be your brothers or your best friends!). I am continually shocked at how often couples invite people they hardly know to their wedding just to impress them or so they can get more gifts. If you do this, you have already started your wedding off on the wrong foot. A wedding is an intimate and special time. Most people don’t share their intimate times with total strangers.

    The Pictures

    Michael and Tawra's Cheap But Memorable Wedding

    Decide which aspects of the wedding are most important to you and spend a little more on that area and less on some of the other less important areas. For example, my daughter’s main desire was to have really nice photos so we didn’t skimp on that. We hired the best photographer in town, but spent less on the cake by having my mom make it. That ended up being a mistake. Grandma’s cake that cost us nothing, turned out to be more beautiful than the pictures the expensive photographer took. Lesson learned: Just because something costs a lot doesn’t mean that it is the best or what you need or want.

    If you want nice photos but flowers or a cake take higher priority, you might hire a professional to take just a few main pictures, like those of the bride and groom, family members and attendants and then ask someone else to take all the other general shots or videotape it. I found at both my wedding and my daughter’s wedding that the pictures I enjoyed the most were the ones family members had randomly taken with their own cameras and given me later.

    In this day and age of computers, digital cameras, and other such things, you can get some really nice photos without the expense of a professional. And even though professional photos seem very important and you envision having lovely photos of that day displayed all over your home, the reality is that in a year or two most of them will be put in an album or tossed in a box to be replaced by pictures of baby #1.

     

    “The Gown”

    Though a girl’s wedding gown is probably the most important dress she will ever wear, you still don’t have to break the bank to have a beautiful and special dress. My mom is a great seamstress and she made both my dress and, years later, my daughter’s dress. They didn’t cost us an arm and leg and they have even more meaning to us because they were made by her. Her cheap wedding dress was much more valuable to her because grandma made it.

    If you don’t know anyone who sews, don’t despair. Buy a used gown. There is nothing wrong with that. I have seen some of the most beautiful gowns in thrift shops. They were gowns that were worth hundreds of dollars selling for as little a $50. Don’t allow pride to keep you from having a beautiful, stress free (because you don’t have to worry about coming up with the money to pay for it) gown of your dreams.

    Along with the gown is the veil. When Tawra (my daughter) got married we went to buy a veil. The least expensive one was $100 and it was “cheap” looking, so instead we bought some tulle, lace and a comb to make our own. We hot glued ribbons, strings of pearls and flowers to the comb. We spent $5 making her beautiful veil that looked richer and more expensive than anything we had seen at the bridal shop.

    I used a very plain veil for my own wedding. My future mother-in-law gave me a string of pearls that she had worn at her wedding. Since I also had jewelry that my husband had given me to wear, I took the pearls and carefully sewed them to the head piece of my veil. It cost me nothing, had lots of meaning and looked very elegant.

    Using the same thoughtfulness we used making the veil, we made other things. We took the left over scraps of fabric, lace, and pearls and made a ring bearer’s pillow. It turned out so cute that we started making and selling them to the bridal shop in town. There is nothing wrong with making a lot of these items yourself and just because you make them doesn’t mean that they have to look homemade or cheesy.

     

    Other Cheap Wedding Ideas: The Bridesmaid’s Dresses and Other Essentials

    I know that it is proper for the bridesmaids to pay for their own dresses, but I personally have never felt that is right. If possible, pay for your bridesmaids dresses or consider splitting the cost. Maybe you could buy the material and accessories and then have the bridesmaids find someone to make the dresses for them.

    Don’t just hit bridal shops when looking for bridesmaid dresses for your cheap wedding. Dresses are often much more expensive at bridal shops. I was a matron of honor once and we went to a regular dress shop and found a gorgeous dress for me to wear. The nice part about it was that it was dressy enough for the wedding but not so dressy that I couldn’t wear it to church, so I was able to get lots of use out of it.

    Be careful of those little hidden costs like manicures, pedicures, hair and other things. They’re small costs, but they add up. Most brides can do their own manicures and pedicures just fine and usually only have these things done to pamper themselves. It is fine to do that if you have the money but if you don’t, this is a good area to save by doing your own. You may do a lot of these little things to pamper yourself and to help you de-stress before the wedding but if you can’t afford it, you will find them coming back to haunt you a couple of weeks after the honeymoon in the form of exorbitant bills that will end up causing you 10 times more stress.

    One way you can have these extras done and still save is to go to a beauty college. If you don’t want to chance having your hair done there that’s fine but you might consider having your nails and toes or a facial done there. They do all kinds of beauty treatments that you don’t always think about so check into them.

    You could also have a girls night “in” before the wedding and let the bridesmaids give the bride a manicure or pedicure or everyone give each other one.

    One important tip to remember: Don’t have your first facial the day or week before the wedding. If you aren’t doing them on a regular basis, they can cause your face to break out the first couple of times you do it.

    Jill

    Cheap Wedding Ideas Part 2 – Decorations, Boquets and More

    How To Save Money On Wedding Food – Tips and Ideas

    Reader Tips to Cut Wedding Costs

    How To Have An AWESOME $1500 Wedding!

     

    From: Rachel

    I am currently planning a wedding for 200 people.
    I wanted to share a great way that I am saving
    money but getting exactly what I want for the
    reception food.

    I really want a sit down dinner because I don’t
    like buffet lines. We are having both our
    ceremony and reception at a large church. We will
    be using the church’s food ministry team for
    catering. While most caterers charge over $2 more
    per plate for a sit down versus buffet style
    dinner, the church only charges $35 per extra
    server needed. I chose to have the food served
    family style so I wouldn’t need many more
    servers. Plus all the servers are teens church
    members who are working to save money for
    missions trips.

    Also, the lowest price per head I have found from
    local caterers starts at $15 a person not
    including tax and gratuity. The church’s menu
    starts at $8 a person, but no tax or gratuity is
    required.

    I highly recommend people look for a great church
    caterer in their area. They will save tons and
    feel good knowing the money they do spend is
    going to a good place. I will end up having a
    great family style dinner for $10 a person, and
    the food is better than most expensive caterers I
    have tasted.

    This is a great idea if you are in a situation where you have to have a sit down dinner but for those of you who couldn’t afford even $10 a plate don’t panic and think your wedding will be any less nice if you have to serve just a buffet with finger foods or I have even been to weddings where only cake and punch were served that I really had fun.

    When we had Tawra’s wedding we only had finger foods; another bride had a wedding with a sit down dinner at the same time where many of the same people attended and for ages afterwards they commented on how much they enjoyed Tawra’s because it was more intimate and warm even though the other wedding was nice.

    Both types have their pros and cons and one thing we found on the pro side for a finger food wedding was everyone got to move around and visit with each other. So many people who hadn’t seen each other for years were able to visit plus it was easier to visit and get to know the new bride or groom’s family better. Often when you have a sit down dinner you have to stay at one table with with 6-7 other people and they are all you get to really see.

    One thing too by being able to move around more, instead of just being stuck at the head table with their attendants, the bride and groom could visit with everyone and visa versa so people felt even closer too and more a part of the big day with them. So don’t worry if you can’t afford a sit down dinner. You can have just as nice a wedding. Both ways have good points.

    Jill

     

    From: Christy

    I found the frugal wedding tips to bring back
    memories of my wedding almost nine years ago.
    Although we spent next to nothing, many guests
    told us it was the best wedding they had
    attended. It was certainly unconventional
    though. We were married at my husband’s family’s
    farm in the woods in a dry creek bed. I walked
    down the creek with my parents by my side. My
    three best friends stood close by and my young
    stepson stood with us.

    My sister in law sang. I
    told my friends to wear whatever they wanted. I
    did spend about $60 on my dress which is a great
    expense for me but I figured it was a special
    ocassion! My dress was a simple white lacy one.
    I never was interested in the puffy wedding
    gowns. I didn’t send out invitations, but a
    friend volunteered to call people for me. I
    didn’t want a wedding cake, but my mother in law
    got one for us anyway. I don’t know what she
    paid for it. My mom brought fruits, veggies, and
    other finger foods. She also got those
    monogrammed napkins.

    I didn’t want any but I
    guess she did! I don’t think she paid very much
    for the food as there wasn’t any meats. Those
    were gifts from our parents though to help feed
    our guests. Friends brought instruments and
    played afterwards. We gave our pastor $50 and my
    mom gave him $50. We spent the next week at the
    old farmhouse, then spent a few days camping
    elsewhere. We only ate out maybe once on our
    honeymoon at a mexican place. My husband did buy
    a new shirt and pants for the wedding, but spent
    much less than I did on my dress. My sister in
    law suprised me and my friends with flowers for
    our hair and someone gave me flowers for a
    boquet. It helped that I was just not interested
    in many of the things people do for weddings. It
    could have been just us and our pastor and that
    would have been fine with me. I can’t believe
    how much $ some folks pay for a one day event.
    It seems many people put far more thought into
    their wedding than their marriage. I’m a massage
    therapist and I traded some massages for
    photography services, and a family member
    videotaped everything. I would have been happy
    with snapshots from family, but the photographer
    offered to barter and the pictures turned out
    nice. I would advise people to think about what
    is really important to them. You don’t have to
    do things just because “everyone else does it
    that way.” Our wedding was totally different
    from the typical one, but people loved it. Not
    that I was doing it for anyone else, but people
    love to see two people in love getting married.
    Do only what you want, not what you think is
    expected. Your guests care about you, not your
    fancy invitations, flowers, decorations, and
    table favors. Focus on your marriage, keep the
    wedding simple and genuine and I bet you can find
    loads of extra expenses to eliminate. Take the $
    you save and spend it on something that actually
    lasts. Put it towards a house or in an emergency
    fund or pay off debt. Start your marriage smart
    and thrifty from the start!

     

     

    While I don’t have an order or question, I would
    like to offer one of my ideas for
    your “Inexpensive Weddings” section. I don’t see
    a place on your site for me to write in, and, I
    don’t know anything about “blogging”. But,
    here’s my suggestion anyway:

    For the “Inexpensive Weddings” section, I would
    like to suggest to the readers that they can use
    those square, plastic, see-through boxes that the
    Roma Tomatoes come in as boxes for the groom’s
    boutinierre or bride’s maids wristlets. That
    idea came to me as I was trying to make space in
    my fridge by putting the last two tomatoes in the
    container that was full. Hope your loyal readers
    (and I am DEFINITELY one of them!) can use this
    bit of frugality from my own archives! Thanks!

    Marcia W.

    Hello! I saw on Oprah, years ago, a great way to save on a wedding cake is to decorate styrofoam pieces and have just the couples cake real (the one they cut) and then in the back kitchen have pre-cut pieces of cake from a local bakery or grocery store.

    For our wedding we asked for our cake to be a gift instead of getting money, etc. My grandparents were very happy with that idea and that was there gift to us.

    We also asked for Home Depot cards. We’re not into the frilly things like crystal, china, gravy boats, etc. All the cards we received helped us redecorate our living room from dark panelled 70s blah into what we call a Moose Lodge (hardwood floors and matching panelling…all of which was installed by my hubby). I married TIM THE TOOL MAN TAYLOR….lol

    Michelle

    I enjoyed reading about Weddings on a Dime, and
    wanted to share money-savings from my own
    wedding.

    * I bought my Scott McClintock dress from an
    outlet for $16.32! Interestingly enough, I just
    recently sold it on a used wedding dress site,
    so the dress continues to be a blessing.
    www.preownedweddingdresses.com; also
    www.woreitonce.com are good sites.
    * I had my bridesmaids wear the little black
    dresses that were already in their closet (well,
    one person had to borrow a dress), so no expense
    to them for dress or shoes.
    * We had a cake-and-punch reception, featuring a
    coffee cart the church already had on-site.
    * The wedding cake was from the local grocery
    store – inexpensive and delicious – even a year
    later!
    * A friend prepared all of the flowers to
    decorate the church and reception.
    * Other friends created beautiful floral
    arrangements for the church, using flowers and
    plants that were growing in their gardens.
    * A pastor friend married us and declined the
    honorarium.
    * Another friend is a wedding coordinator and
    helped with the ceremony proceedings.
    * We wanted to marry in a church, but wouldn’t
    pay the $1,200 fee usually charged to non-
    members (our own church had no facility for
    weddings). We finally found a beautiful church
    that only charged $150, which included the
    wedding coordinator, pianist, and a video! I
    didn’t even know about the church until I drove
    by it, and in my desperate hunt, was leaving no
    stone unturned. So I called, with great results!
    * We used a wholesale flower warehouse to
    prepare the bouquets & boutonnieres. The
    bridesmaids carried only about three flowers
    each.

    I did actually have a “catered” rehearsal dinner
    (trays from the local Chinese take-out) as well
    as a “luncheon” for family and close friends
    following the reception, at a restaurant. But I
    picked a restaurant with very reasonable banquet
    prices. My photographer was well under the
    going rate. I did lots and lots of shopping
    around so that I received maximum impact and
    service for the best price. The wedding cost
    more than $1500, but I am proud of what we
    accomplished.

    Best wishes!
    Heidi Fritz
    Name: Joy Bice
    EMail: [email protected]
    Question: Tawra & Jill,

    Thanks for the wedding tips. I don’t know if you
    are still taking more tips from readers but I have
    a few.

    My daughters are teenagers and we have attended
    many weddings in their lifetime. I began when
    they were younger pointing out the simple and less
    inexpensive ideas from other weddings. I have
    been coaching them now for years on the beauty of
    a simple wedding. I’m hoping that when the time
    comes for them to get married they will already be
    conditioned to think that way.

    One idea we heard was to have an evening wedding.
    A candlelight wedding could be very romantic and
    the reception would just be deserts.

    Another idea I have seen done is to have each
    bridesmaid choose their own dress. For example,
    the last wedding we attended had the bridesmaids
    in black dresses. They were told what length to
    choose but beyond that they were free to buy what
    they would like and could wear after the wedding.
    It not only looked beautiful but it was neat to
    see the individual styles pulled together by
    jewelery and flowers. The men in this wedding wore
    black suits, and were given matching ties. They
    were free to either buy a suit or borrow one or
    use one they already owned.

    Tawra,
    Fireyourweddingplanner.com is a FABULOUS site to help brides save money as well! My wedding was cancelled (it’s okay, it was a good thing) but I was already at a savings of $2500! Just to let the other brides to be know!
    Susan F.
    Bellingham, WA

     

    From: LouAnn

    Wedding photos are important and can be terribly expensive. Make sure you spend your money well. Interview several wedding photographers. Look at complete wedding books of their wedding photographs, not individual photographs as everyone gets an excellent photograph now and again.

    Find out first if the person you interview is the one who will actually shoot your wedding. Sometimes you are paying for a “name” and the “name” won’t be there.

    Ask for a dozen references (or more) and call every single one. Ask what they liked and what they didn’t like? Did they get what they thought they were paying for, etc.

    Be aware that digital photographs can be manipulated in many ways to make blemish free, artistic, whatever photographs, but digital photographs eventually fade-in the album, on the wall, on the disk. They fade more than the old fashioned ones do and there are no negatives to have another print made from. The digital images will fade off the disk sooner or later, so ask your photographer how often you should make a disc copy to retain your photographic images.

    Do ask fiends that enjoy taking photographs to bring their camera along if they would like. Do not let them take the photographs the person you are paying is taking. talk to your photographer about their policy. Some walk out if another person “steals” their photographic scene.

    I couldn’t agree more! This very thing happened at our wedding. The person we interviewed and set up to take the pictures was not the one who took them.

    We only got a few references and should have got more.

    The other thing is I had very specific pictures I wanted taken. I didn’t want money wasted on pictures that I didn’t care about. Even though I had a list of pictures I wanted taken, he ignored my instructions and took a LOT of extra pictures I didn’t want or ask for.

    This was the worst part about our wedding was bad pictures! I would make sure that friends and family can take pictures also or you may not have any good at all. Tawra

  • 8 Cloth Diapers Tips For Newbies

    8 Cloth Diapers Tips For Newbies

    8 Cloth Diapers Tips For Newbies

    8 Cloth Diapers Tips For Newbies

    If you are considering cloth diapers, here is my story. Among other things, I will explain how I wash my cloth diapers and how many you need to start. Many people have many different motives for using cloth diapers, but my motivation is purely to save money. I do use disposable diapers for traveling because it is more difficult to store dirty diapers when I’m not at home.

    I love my cloth diapers! I LOVE THEM!!!! My husband doesn’t even mind using them. We found that they are not really any more difficult to use than disposables, except that we have to do more laundry. We also found that our children had much less trouble with diaper rash when in cloth rather than disposable. For a while, I had two children in cloth but now my son is potty trained. My daughter is starting to potty train so soon I won’t have any in diapers.

    You don’t need many to start. You can start with one dozen and just wash everyday. Two dozen does make life easier. I buy the good quality pre-folded diapers and strongly recommend that you do too. They are called Diaper Service Quality pre-folded diapers. They are great, wear well and last a long time! I think I paid $23.00 for one dozen. (I returned some disposable diapers that we received as a gift and used the money to buy the cloth.) I have about 5 dozen now but I got most of them for free (as gifts or from people who no longer needed theirs). I only purchased 1 dozen of the DSQ from a mail order place on the Net. They are out of business now but you can find them other places. Also look on E-bay. They often have them too.

    One thing that makes my cloth diaper experience different from the horror stories your grandparents tell is that I use diaper liners. They are fast, cheap (about $3.50 per box) and easy. I cut them in half and use 1 for each diaper. One box of liners lasts me almost 1 year.

    I use good diaper pins that I purchased from the diaper seller and I stick the pins into a bar of soap or beeswax when not in use so they pierce the diapers easier. (With good pins, I only poked the kids 3 times in 3 years. Mike never poked them at all!)

    I use plastic pants that button up on the sides. I also purchased those mail order. I use the Alexis brand. They last MUCH and I do mean MUCH longer than the Gerber plastic pants you purchase at Wal-Mart or K-mart. I have about 5 pairs of each size. I don’t use clean plastic pants every time I change a diaper. If the plastic pants are only wet, I put them right back on. There is not usually enough to make the diaper wet and the plastic pants generally aren’t wet on the outside either.

    I made 2 diaper pail liners out of rain ponchos by sewing up the sides. I put those in a kitchen trash can with a lid that closes. I just throw the wet diapers and liners into the pail with nothing in it. I don’t soak my diapers. I dump the poop and the liners in the toilet. (Much easier than grandma’s method!) I reuse the liners that were only wet after they are washed and dried with the diapers. They wash well so I get several uses out of them which saves even more. I don’t dunk the diapers in the toilet unless they are REALLY bad. I have done it maybe 5 times in almost 3 years with 2 kids. In order to avoid directly handling the soiled diapers, I put the opening of the diaper pail bag into the open washer, then turn the bag inside out to empty the diapers into the washer. I throw the entire bag into the washer inside out to wash with the diapers.

    Instead of using disposable wipes, I use small rag wash cloths (old wash cloths cut in half). They have more traction and do a better job of cleaning than disposable wipes. Where I use one wash cloth, I might have to use four or five of the disposable wipes. I do still use disposable wipes for traveling, but I save a lot by not using them every day.

    I wash diapers about every two or three days. Washing this frequently really keeps them from smelling. (Unlike wine, diapers do NOT improve with age! ;-) )Every time I wash, I wash with vinegar and detergent. The vinegar works wonders removing the urine smell and also keeps the house from stinking while I do laundry. I put diapers through the rinse cycle twice. Then I dry them on the line or dryer depending on the time of year. (Diapers last much longer when dried on a clothes line and the sun helps keep then white. They wear out much faster if you always use the dryer.) I use bleach about every 1 or 2 weeks to keep them white in the winter when I can’t line-dry them.

    If I were to buy disposables I would spend about $350 a year per child for diapers, wipes and extra trash bags. (Many people have said they use double that at least.) I only spent about $50 for the trash can, rain ponchos and plastic pants and $23.00 for one dozen diapers. I spend about .50 a load to wash them. (approximately $65 per year. This didn’t change when I had two in cloth vs. one in cloth.) With one child in diapers for 2 1/2 years and one for 2 years I saved over $855 in the 3 years that my kids were in diapers.

    That’s it. It’s so easy and so cheap that I would rather spend that money on something else!

    -Tawra

     

    Jill from Michigan asks:

    “Tawra – I read your information of cloth diapering and I’m wondering how much vinegar you wash them with and do you use special laundry soap?”

    Tawra: I put in about 1/2 – 1 cup in and don’t use a special detergent.

    I had 2 children the first one did fine in cloth diapers but the second one had diaper rash really bad and I had to switch over to disposable. I say this so that you don’t think there is something wrong if the cloth diapers don’t work for you . Each one is different.

    Jill

     

    What No more Cloth Diapers?

    Ok, you guys caught me!

    After my post on Disposable Diapers I got an email saying “I thought you used cloth diapers?” Well, I did with my first two and had no problem with them even like them because if I ran out it wasn’t a big deal to go to the store, just throw them in the washer. Plus we lived in Idaho at the time and couldn’t “just run to the store” because it was 60 miles away.

    Well with David, #3, we have used all disposables. Here is why. After he was born he literally cried his entire first year. I am not exaggerating when I say the ENTIRE first year with no reprieve. My mom was living with us for the first 4 months and between Mom, Mike and I were all about to go insane, me more than the others. I got post partume (sp) depression really bad and the doctor could not find a medication to help, it just made me worse. I felt like I was loosing my mind and if a Mack truck would have hit me head on while I was driving I could have cared less.

    To make matters worse because we weren’t sleeping my CFS was so bad I literally could hardly stand up. Then we had just moved into this bi-level house and going up and down the stairs over 100 times a day (I kid you not!) it was making so sick I thought I would die! In case you don’t know exercise makes CFS flare up, ie. get worse.

    My two oldest were 4 and 5 at the time and still wetting the bed almost every night. It was all I could do to keep up with the laundry and attempt to just keep things picked up (sort of) and some sort of dinner on the table, which was mostly really fast stuff like sloppy joes, tacos, frozen pizza. etc. About once a week Mike would bring home Chinese food from the grocery store ($5 for two) and him and I would share that, give the kids the rice and fill it in with cereal or pb&j. We used paper plates several days a week and everyday for lunch. ($3 a month). Mike was also working 50-60 hours a week between 2 jobs and helping with our book business, which we don’t get an income from yet. He was also helping out with the housework because I couldn’t keep up.

    We were going to some sort of doctor every 3 days trying to figure out what was wrong with David. Then to try and get me straightened out mentally and physical therapy for me because my bladder so was weak from 3 kids I was going to the bathroom every 15 minutes. Then 2 months after that I fell down the stairs and had to go to PT to help get my back, back in shape. We went 120 times the first year of David’s life to some sort of doctor.

    Our primary doctor kept saying that David “just had colic” We finally figured out at 4 months old that he was allergic to milk and eggs. That explains why he just quit breastfeeding one day at 5 weeks old. I was eating a lot of milk and eggs. Well, after that he went on formula that cost $250 a month. It helped some but not a lot. At 9 months we took him back to the allergist because I knew despite what the doctors said colic doesn’t last 9 months! Well, the formula he was on still had milk in it! The allergist told us to put him on Alsoy, which was only $40 a month! The other doc said “oh, well I thought it would be fine since it was pre-digested milk”. I have never had the urge to just haul off and punch someone before in my life like I did when he made that comment. Needless to say I figure out what’s wrong with us first by researching the internet before I go to the doctor now. They really don’t have much of a clue, it’s just a guessing game.

    That helped some David but then he started to have allergies to outdoor pollens because it was April.

    At 14 months he started doing better after he was off the formula but I wasn’t. For the last nine months we haven’t gone 2 days in a row without someone being sick. To say I was on the verge of death from exhaustion and CFS is an understatement. Around Christmas last year (2004) I finally found a medication that worked for the depression and I am finally feeling like a normal person again. I have also gone off of sugar, mostly, and that has helped my CFS greatly. I notice that when I have a binge week of sugar it makes me really really sick and almost in bed again.

    Anyway, that is long version of why we have used disposables for David. My sanity could not handle two more loads of laundry a week if my life depended on it!

    Do I believe in cloth, yes! But I also know that everything in moderation is the only way to go and if circumstances are such that you need to use them, then by all means do!

    Tawra

  • Save In Your Sleep! – How Sleep Can Save You Money!

    Save In Your Sleep! – How Sleep Can Save You Money!

    How Sleep Can Save You Money

    We always hear that we should get plenty of sleep, but have you ever considered that sleep can save you money? Here is why and how to get more sleep!

    How Sleep Can Save You Money And More

    “Come unto me, all ye that labour and are heavy laden, and I will give you rest.”

          -Matthew 11:28

    Sleep, Sleep, Sleep… We hear it all the time– You must get 8 hours of sleep and 8 glasses of water a day. We pay as much attention to that warning as our children do when we tell them for the umpteenth time “Don’t play with that or you will get hurt”. But after living with Chronic Fatigue Syndrome for 15 plus years, I have learned the hard way how very important sleep is.

    It is so important that God devoted 8-10 hours each and every day to sleeping and one whole day a week to resting. Think about it. Is there anything else that He gave so much time to? And since He knew we were like silly little children who refuse to take a nap, He put resting in the 10 commandments hoping that that would really get our attention. There were only 10 things that made it on that all important list and resting was one of them.

    Sleep is as necessary to life as food and water. Each of us needs to realize how much lack of sleep affects our whole life. Are we too tired to clean the house, fix meals, or do the laundry? Are we so tired that when our children come to us for our help with something, we snap at them or when our spouses want some snuggle time, we look at them like they have grown two heads?

    Lack of sleep affects children even more than adults and yet many of us let them keep the same late hours as the adults. When I was a young mom I was told that children usually whine and cry for one of two reasons: They are tired or hungry. If you keep them well rested, and make sure they get snacks throughout the day, you will eliminate most of their whining and crying. I have found that to be so true.

    I had an example of that happen just the other day. My three year old grandson is always so good about going down for his nap. He allows himself to be picked up, passed around for kisses and then laid down without a peep. The other day, however, when he was told it was time for his nap he said “NO! I don’t want a nap,” and fought all the way to bed.

    This seemed so out of character for him but then it dawned on me: He always takes his nap at 12:00 but this day, he did some running around with his dad and by the time they were done, it was almost 2:30. He was tired, so there was no reasoning with him. He couldn’t think rationally because he was tired. What often happens is that the parent gets angry at the child for throwing a fit, but it was really the parent’s fault for not allowing the child to get his proper rest.

    (more…)

  • Easy Packing And Moving Tips And Ideas

    Easy Packing And Moving Tips And Ideas

    Easy Packing And Moving Tips And Ideas

    Moving Tips And Ideas

    If you’re moving or considering moving, here are few easy ideas from Moving On A Dime to point you in the right direction. These moving tips and ideas will help you decide which things to pack first and how to pack most efficiently so moving costs less!

    ORDER IN WHICH TO START PACKING

    Start with things you don’t use every day.

    • Memories – Grandma’s dishes, quilts, old books and Bibles, childhood toys and photos
    • Garage items – Christmas and Holiday decorations, camping equipment and things in storage
    • Things stored in closets that aren’t used often and out of season clothes
    • Knick-knacks, pictures, mirrors and wall hangings
    • Seasonal dishes, canning equipment, roasting pans, good china, good silverware, large serving platters
    • Unnecessary CD’s, DVD’s and video tapes.
    • Sewing room and craft items.
    • Home office – Pack as much as possible except bills that need to be paid. Leave office boxes open and tape them closed at the last minute before moving just in case you need something out of them.
    • Children’s toys and games – Pack most of the toys they don’t play with regularly.
    • One week before moving, pack all unnecessary kitchen items, clothes and linens (except what you need for one week).

    PAIN FREE PACKING

    Don’t leave empty spaces. Here are some examples of how you might use all available space:

      • I fill my china cabinet with light weight soft things like stuffed animals, balls of yarn, quilts, artificial flowers and greenery.
      • If you will be moving your refrigerator or washer or dryer, fill it with pillows, wicker baskets or plastic items from the kitchen.
      • Fill clothes hampers with bathroom items. If you have a lamp that needs special protection, wrap it carefully in towels and place it in a clothes hamper.
      • Fill up even small items like plastic pitchers with kitchen utensils or kitchen knick-knacks.
      • I clean out a large outside trash can and use it to pack my hoses, small pots and gardening tools. If I’m not sure if I should keep something, I allow myself to take it if I can fit it in that one trash can. My son-in-law says it is one step closer to the curb that way. ;-)
      • Don’t pack glass, porcelain or ceramic containers with loose items in them that could break them. Canning jars filled with marbles or baby food jars filled with nuts and bolts are recipes for disaster.
      • Pack heavy things such as books in small boxes.
      • Don’t pack things like photos, videotapes, cd’s, candles, plants or pets (especially pets!!!) where heat or cold can get to them. Don’t think any of those things will be safe and protected in a car or truck overnight. If it gets cold, they will freeze. Also plants left in a hot car will not be safe because the heat will kill them. When transporting plants in a car, protect them from direct sunlight with a covering of newspaper because the sun will fry houseplants.
      • Pack kids’ rooms last. They need the security of having their room the same for as long as possible. Be sure to put their favorite items in the car such a blanket, stuffed animal or books.

    Jill

    For more easy packing and moving tips and ideas, check out our Moving On A Dime e-book here.

     

    Photo by: iChris

  • If You Want to Work at Home, Be Creative!

    If You Want to Work at Home, Be Creative!

    Do you want to work at home, but you’re not sure what to do? Here are some ideas about things that let you earn an income while staying at home. (more…)

  • How to Have a Garage Sale

    How to Have a Garage Sale

    How to Have a Garage Sale

    When you have a garage sale, your objective is to make money while getting rid of stuff in your house. The spring is the best time to have a garage sale. After a long winter people are ready to get out and find some good deals. Here are some tips to make the most of your garage sale:

    1. Have as many signs as possible.Put one on every major corner, on the corner to house and any needed in between. If it is more than 1/2 mile from the corner to your house put some signs in between. You really can’t make enough signs.
        • Make your signs large!! At least 12 inches but 18-24 is much better.
        • Use contrasting colors. Black and white are best but other colors such as light colored paper with black ink will work well. A black permanent marker works best.
      • Be sure to put your address AND an arrow pointing the direction to your house.
      • Make all your signs out of the same material. For example, make all of them out of cardboard with white painting. That way people will know it’s your garage sale and know which signs to follow.
      • Check with your city or town and find out if they have any particular rules for garage sales. Our city requires a permit that costs $1.50 per day. When we purchase the permit, they give us a list of rules telling us things like not to nail signs on telephone poles.
    2. Check to see if any of your local papers or thrifty papers have free garage sale ads. Put one in if they do.
    3. Clean out everythingyou can so you can have as large as sale as possible.
      • If you don’t have enough stuff to make big enough sale then ask friends, family or neighbors to have one with you.
      • Give all of your neighbors a flyer telling them when you are having a sale and ask if they would like to have one also. The more sales that there are in one area, the more people will come to your sale.
    4. Price you stuff LOW.There is nothing more frustrating than going to a garage sale and finding items for prices equal to or higher than the same items brand new on clearance, even if it is “Baby Gap”. Name brands can let you get by with a little higher prices.

      I recommend pricing really nice kids clothes no higher than $1 each and clothes that have stains or are not name brand at .50 or less. Socks and underwear shouldn’t be higher than .10 each.

      You may think that these prices are too low but please remember than you are getting rid of stuff!! You don’t want to bring it back into the house and store it for a few more years. If you are not selling to get rid of things, you will keep most of what you put out. You will also get a lot more sales if your prices are reasonable which means more in the long run. If you sell 15 $1 items or you sell 200 at .25 each ($50 total) you will make much more if you sell the less expensive items. A good rule of thumb is to price items a maximum of 10% retail price.

      By the way, people who go to yard sales really don’t care if it’s brand new in the box and you paid $80 for it so you “must” get $50 for it. It has been sitting in your house for who knows how long so you aren’t getting your money’s worth anyway. Price it for $5 and get rid of it!

    5. Expect people to ask you to come down on the price. If you feel your prices are very reasonable then don’t come down, but remember you are trying to get rid of stuff so don’t put too high a value on it. If someone asks you to come down on a price and you aren’t ready to come down at that point ask for their name and number and tell them you will call them later if it hasn’t sold and you are ready to sell it to them at that price.

          Tawra and Jill

    If you want to find out how to look for great buys at garage sales, read “Ten Garage Sale Shortcuts”.

     

  • Ask Tawra and Jill – How do I?

    Ask Tawra and Jill – How do I?

    Here are some “Short Answers” to some of the questions readers have submitted to Tawra and Jill:

    Jill from Michigan asks:

    “Tawra – I read your information of cloth diapering and I’m wondering how much vinegar you wash them with and do you use special laundry soap?”

    I put in about 1/2 – 1 cup in and don’t use a special detergent.

     

    Janel From New Jersey asks:

    “Hi! What can I use to clean wooden kitchen cabinets? Some of them are sticky and greasy (especially over the stove). Thanks, Janel”

    I use Murphy’s Oil Soap. You can find it in the cleaning section of the store. Tawra

    I use Dow foaming bathroom cleaner. I spray it on the gook literally rolls off. I once had to clean a house in which the cabinets were covered in a thick gummy layer from having a heavy smoker in the house and the Dow just bubbled it right off. I use it more in my kitchen for all grease then I do in my bathroom. Be sure to wipe dry when you are done. Jill

     

    Nancy from Ellinwood, Kansas asks:

    “Can you use canned pumpkin to make your pumpkin pancakes, sauce, etc?”

    You sure can! It works great!

     

    Mollie From Florida asks:

    “What is the difference in types of powered sugar? Usually the recipes call for powered sugar, but not what type. I bought 4x and someone told me that you should only use 10X.”

    If you are just doing baking at home it doesn’t really matter. Where it matters is for professional bakers who do fancy things like wedding cakes. Whatever I find in the store works just fine for me. I have never had any problems with my baking because of it.

     

    Denise From New York asks:

    “Is it possible to freeze chili con carne? I am the only one in the household who eats it. I only make it a couple times in the crock pot because it can be expensive(because of the meat).”

    Yes, you can. I just freeze mine in 2 cup portions in zip top bags or 2 cup plastic containers.

    Elizabeth Asks:

    “I put self-rising flour and all purpose flour in separate containers for storage, however I never marked them. Is there any way to tell which is which before I go to bake, like adding a little liquid to them? “

    You might taste them. The self rising would have a bitter salty, baking powder taste to it.

     

    Kathleen writes:

    “I see tips frequently about how to re-use vacuum bags. Please remember that the bag is part of the filtration system, and will not work nearly as well after emptying it. You would be doing yourself, and your vacuum a favor by buying the cheap bags and changing them more often, rather than try to re-use them.

    Thanks for the tip, Kathleen! We tried this once — ONLY ONCE. The resulting dust cloud quickly made us realize it was a a bad idea!

     

    photo by: valeriebb

  • Limiting Kids’ Activities

    Limiting Kids’ Activities

    Many people are overwhelmed with the stress and cost of extra kids activities. Here’s how to save money and reduce stress by keeping activities reasonable! (more…)

  • Children, Wasting Food and Portion Control

    Children, Wasting Food and Portion Control

    Stop Throwing Away Food!

    I have discovered the secret of saving money feeding babies, toddlers and preschoolers. Well, I can’t take the credit for it. My mom taught it to me many years ago but I didn’t put it into practice until the first financial crisis we had when my husband was laid off.

    What I have been practicing now for many years has now become one of the new buzz phrases — “portion control”. Usually when we think of portion control it is in connection with dieters and not young children or saving money.

    Most American parents serve themselves and their children huge portions of food. Their families eat only part of it, and then they discard the rest. Next time you scrape those half eaten plates of food into the trash, think about this: 30% to 50% of the food and drinks we buy, whether we eat at home or out, get thrown away. That means if you are paying $500 per month on groceries, you are throwing $250 in the trash each month. If you don’t believe it’s true, observe your own family this week. How many half full bowls of soggy cereal do you throw away? How many pieces of toast get tossed only half eaten? What about half empty glasses of juice, milk or pop? With young children this is usually worse, but adults often do it too.

    It is easy to forget that children under the age of four have only about a quarter of an adult’s body weight. Often, we feed them adult portions and when we do give them smaller portions, each portion is usually only reduced to about half an adult portion. Do you use that large serving spoon and dump a full spoon of food on your child’s plate? Say you give yourself two spoons of green beans and your child one– That means that you have given yourself about 24 green beans and your child 12 when in reality, that child needs only about six.

    Many parents wonder why small children resist eating everything on their plates. What if you were given double portions at every meal? When parents press kids to keep eating when they are full, they inadvertently encourage obesity. It is no wonder that we then end up throwing away half of the food left on their plates. When deciding how much food to give your kids, start small and work your way up. Remember, if they eat what is on their plates you can always give them more. If they consistently ask for seconds, then increase their portions.

    Use the same method for drinks. Even a small sippy cup should only be filled half full. This not only reduces the amount that you throw away, but also reduces the losses from spills. I once heard a mom say she always bought two gallons of milk instead of just one. One gallon was for the kids to drink and the other was for them to spill.

    Another great way to save a lot of money is to give children more water. In addition to serving children overly large portions, failing to give them enough water leads to obesity. At this point, many parents point out that young children need lots of milk and juice. That is true to a degree, but consider this: The USDA recommends 12 oz of milk per day for children under 4. That is equal to two sippy cups. Before you fill those two sippy cups, remember that kids get milk from other sources too, including milk with their cereal and cheese on their sandwiches. Ask any doctor and he will tell you most people are not getting enough water.

    It is easy to think that if something is good for us then even more is better. That isn’t always true. Fertilizer helps our lawns grow, but too much fertilizer can kill the same grass we are feeding. The same rule applies to feeding our children. We think the more juice and milk they get the better, but once kids have had as much as they need nutritionally, the rest just adds calories. Just as with adults, feeding kids too much leads to all kinds of health problems including obesity and diabetes. It also encourages them to develop bad eating habits that get more severe as they get older.

    If you are ready to cut the waste from your food budget, here are a few more tips to save money and make your life easier:

    1. Cut the crust off your child’s sandwich before you give it to him. I have tried for years to get my children and grandchildren to eat the crust and have discovered that it is like trying to climb Mount Everest. It can be done, but I’m not sure if it is worth all the work and headache. So give in and cut off the crust. Throw it in a bag and use it for bread crumbs or croutons. Then the kids will eat their entire sandwiches instead of just that hole in the middle and you won’t waste the sandwich filling that would have been tossed with the crust.
    2. Cut kids’ sandwiches into small squares or triangles. Their hands are smaller then ours. Imagine always manhandling sandwiches that are two to three times normal size and you can relate to kids with full adult-sized sandwiches. This goes for all their food. Cut anything they have to hold in their hands into manageable sized pieces.
    3. Spills always happen, but they can be minimized. Try placing a paper doily at the top of your child’s plate or someplace where you know a cup won’t be likely to spill. Then teach the child that the cup belongs on the doily. Even the youngest child will learn quickly to always place his cup back on the doily and out of harm’s way.
    4. Start giving your little ones only half of items like candy bars, gum, and popsicles. When you go out to eat, split a hamburger or order of fries between two younger children. You can even ask for an extra cup and split milk shakes and drinks. Better yet, just order water. Save the milkshakes and drinks for a special treat and the kids will appreciate them more.
    5. Control snacks. Don’t just let the kids graze all day on candy and chips. Give children healthier things to fill them up, like like popcorn or a piece of fruit at specific time intervals.
    6. Feed toddlers and preschoolers your leftovers. They usually don’t balk at them like older children do. All those two tablespoon leftovers that are hardly worth saving are usually just the right amount for younger children.

     

          -Jill

    For more tips to help you save money on kids’ expenses, check out our Saving With Kids e-books.

     

    photo by: carbonnyc

     

  • Daughters’ Financial Emergencies Cause Financial Strain

    Daughters’ Financial Emergencies Cause Financial Strain

    Susan from Texas asks:

    “As a single mother of two grown daughters, scratching and clawing my way out of substantial credit card and other debt, please give me some ideas about dealing with daughters’ emergencies, specifically health issues, not life-threatening but urgent never the less.”

     

    Tawra Wrote: I was going to work on your question but I was wondering why you are paying for your grown daughters’ medical expenses? Are they in college?

    Susan: Thank you for your response, I forgot that I sent that question. But now that you mentioned it…my daughters work full time and dabble in college. Both have health insurance but the one who needed assistance (I volunteered) did not think that it was in effect at the time of the incident. I was going to have the cost of the dental problem put on a credit card but her Dad intervened and paid for it so I was off the hook.

    I think the bigger question here is one that I have dealt with for many years and that is, living very sparingly, never having enough to cover unexpected expenses and then putting those unexpected and sometimes living above my means expenses on credit. Now that I live alone I am trying to remedy that as quickly as possible. Guilt as a single parent ends up being very expensive.

    Tawra: “Guilt as a single parent ends up being very expensive.” — I would say that sounds like it right there to me.

    You don’t need to worry about your daughter’s expenses. I understand being a parent you want to help out but if they are working adults it’s not your responsibility. They need to be responsible with their money and save back money each month to cover what their insurance won’t . If that means cutting the cell phone, eating out or whatever then that’s their responsibility to do it. If you are paying for your own stuff then start living below your means ASAP and try and get that debt paid off. It’s not always easy or fun but it sounds like you need to worry about your expenses and not theirs right now.

    I’m not telling you to be unreasonable. If they get $50,000 in medical expenses and need to live with you or whatever to pay it off, of course help them out if you can. But if it’s minor stuff then let them take care of it.

    Susan: Thanks so much for your response. Sometimes we answer our own problems when we put pen to paper and it jumps right back at us! I will always be there for my kids; however, I want them to grow up and become accountable and learn from their mistakes and life, etc.

     

    photo by: quazie

  • Teens Don’t Have to Cost More Than Babies!

    Teens Don’t Have to Cost More Than Babies!

    Whenever my daughter Tawra talks about how to live frugally, she can always count on one type of feedback — from people who say, “You don’t understand what it’s like. You have young children and not teenagers. Teenagers cost more!” Most of the advice and tips that Tawra shares come from me. I have raised two teenagers on a very minimal income. My main goal in raising my children was to teach them to become responsible and productive adults. By the time they hit their teen years, they were contributing to the household income, not depleting it.

    I have never understood why people always say “wait until you have teenagers”. I waited and the huge cost that I had heard about never materialized.

    My house payment was the same when I had babies as it was when I had teenagers. If the house payment changes, it’s not because of the age of the children but because we want a house that we think is better than the one we already have.

    My utilities didn’t increase because I had teenagers. If anything they went down, because instead of having to fill a big tub full of water to give my little ones a bath, I taught my teens to take a quick shower, which used less water. I didn’t do as much laundry because I no longer had to wash diapers. Even when I used disposables, I still had to change my babies and toddlers clothes several times a day because they spit up on them, spilled things on them or had potty training accidents. If you have had a teenage boy, you know that until he got his first girlfriend, he would have worn the same clothes day and night if you’d let him!

    I admit that I spent a little more on food, but even in that case it wasn’t so much more that it led me to financial ruin the way some people make it seem. When my granddaughter was born, my daughter spent more for her special formula then I spent on food for my teenage son!

    As far as clothes go, I didn’t find teenagers much more expensive than young children. The cost for disposable diapers really adds up and since babies and young children grow quickly, you have to buy them an entire new wardrobe every 3-6 months. Once teenagers reach high school, they have pretty much stopped growing so quickly and many teenagers don’t wear their clothes out as quickly as young children.

    I can hear someone protesting, “…but teens need to have special clothes so they can be like their peers!” I could write a whole book on this point alone, but let me just give you a few hints and ideas. First, you don’t have to spend a lot to dress nicely. There are garage sales, second hand stores and hand me downs. If you aren’t a snob about wearing second hand clothes, your kids won’t be either.

    Make your teens feel loved and secure at home. You’ll find that even though the way they dress and look is still important, it won’t become the be-all and end-all of everything! Not only that, if they feel loved at home, it will go a long way toward keeping them out of the trouble so many parents dread.

    I provided my children with the basics in their wardrobe. A pair of tennis shoes, dress shoes, three or four pairs of jeans, two pairs of dress pants, pajamas and some shirts. For anything else they wanted to have, or if they wanted to “upgrade”, they paid for those items themselves. They had to work for the extras by babysitting, doing yard work and finding other ways to get a little spending money. By age fifteen, my daughter was working part time at a hospital flower shop two evenings a week.

    People often fear that working will negatively affect their kids’ grades. It won’t. Teenagers have more time and energy then they know what to do with. Why do you think drugs, drinking and the lazy party attitude is so rampant among teens? I’m not saying that they should work 40 hours a week, but a part-time job doesn’t hurt anything and it teaches responsibility! Generations past understood this, and expected their teens to work. They knew that it would prepare them for responsible adulthood. Recent generations haven’t taught this, which is why so many adult children mooch off of their parents.

    When a child is born, we give him everything he needs or wants every time he cries. When he’s a toddler, we wouldn’t dream of giving him chocolate for every meal, even though he cries for it. Yet when teenagers whine and complain for something that they want, many people just buy it for them, instead of letting them work for it.

    What an injustice we do our children when we give up the opportunity to teach them because we are tired of hearing their complaints and challenges. Instead of using their last years living with us to teach them to be responsible, productive, hard workers, we often teach them to be dependent. I know a good education can help a person get a good job, but that education is of no use in a job if the person isn’t a responsible, productive, hard worker with some kind of experience.

    In the same way we teach a baby to go from milk to soft food to solid food we need to help our children to build up their “life’s muscles” concerning finances gradually. By the time the kids are teenagers, that will require some “heavy lifting” on your part. How wrong parents are to give their children everything they ask for. If you do, you will be wondering why your grown child won’t move out, why he can’t hold down a job and why he is such a poor money manager.

    Incidentally, my teenagers graduated with As, my daughter received a scholarship to a university in Sweden and my son went to school to learn drafting. They are now very responsible, independent, productive adults and parents. Teenagers don’t have to cost more than small children if you are wise in the way you raise and teach them.

    -Jill

     

    Update: This was written when I had little kids. I now have 2 teens. Do they cost more? No. My son has a job and is paying for his gas to go to work. They pay for their own cell phones, computers and any other “fun” gadgets they want. (no a cell phone is NOT a necessity for a teen. :-) ) We pay for the gas for them to go to school because it’s 30 miles a way. We do give them money now and then to do something fun with their friends but as a general rule really they aren’t costing any more. So in case you were wondering if I had changed my views on this now that I have teens, nope they really don’t cost more.