And now for my unsolicited advice.....
You can't save money if you spend it. So to start saving you have to stop spending. Early on into our marriage Ted and I had a meeting about the budget and realized it was out of control. Actually, it was nonexistent. Neither of us had ever been taught how to budget and we really had no idea what we were doing. Thanks to some suggestions and books from some great friends, we were able to come up with a doable budget that allowed us to save money while going to grad school and paying for medical treatments for infertility. Doable, but tight. Because, hello!, uncovered medical expenses cost a fortune. So even though we were in a pretty good financial position thanks to my job, it sure didn't feel like it when the bills started piling up. I'm grateful for that time though. It taught me how to budget and save and be creative before having children and becoming a (mostly) stay-at-home-mom.
During that first budget meeting, when our eyes were opened to just how much money was going out every month, Ted suggested a "spending freeze". We decided to see if we could go an entire month without buying anything except gas and groceries. I was up for the challenge. The very next day, our spoon rest broke. Ted asked if I would pick up another one the next time I was at the store and I smiled and said, "Spending freeze." So instead of buying a new spoon rest, I filed down the sharp spots and used a permanent marker to hide the crack and put the spoon rest right back on the stove. Four years later, it's still working just great doing its job of providing rest for our spoons.
So that's my first tip. Just don't buy things. You really don't need a spoon rest with an intact handle. You don't really need a spoon rest at all. When things break or get worn, decide if you really need them before automatically replacing them. All but one of our glasses have been broken over the course of five years. While there have been times I've wanted to replace them, I could just never justify the expense on something we didn't really need. We had enough random plastic cups to get us through. Sure, I was slightly embarrassed when we had company, but if our friends cared about what kind of cups they used they probably wouldn't be hanging out with us. So just stop buying things. Don't go shopping. And when you do, only put food into the cart.
We do, however, finally have some really nice glasses. Thanks to my mom who bought us some for my birthday. That's the next tip, If friends and family want to get you gifts, ask for practical stuff that you really need instead of fun stuff you don't. It's kind of boring, but always incredibly appreciated. I keep a running list throughout the year of things I'd like to have for Christmas. I know my family wants to buy things for us and will ask for ideas around Christmas time. If I keep track and just do without for a few months, I can stock our home with all sorts of tools and kitchen items to get us through until the next year.
We do a lot of reusables in our home. If it can be used a second time, it will be. If it can be reused thirty times, well then that's thirty times better. I can make a role of aluminum foil last for over a year. I can go months on end without ever buying ziplock bags. We do cloth napkins and cloth diapers. The only item I really need to buy on a regular basis is toilet paper. We're just not ready (nor will we ever be...) to switch to reusable that.
Groceries could be its own post entirely. So I'll just stick to my top tips. For a few months we utilized WIC and it put a small dent in the budget. But, for our family, working a few more hours, taking an extra job, and getting even more creative with an already creative budget was a much better option than using food assistance. To make it work, I buy almost all of our meat from Costco and only get what is on sale. Then I plan very simple meals around those meats. We usually only have two things for dinner. A meat and a veggie, for example, instead of a meat, veggie, and potato. I make big batches to use for leftovers so we avoid having to spend more money on lunch. We rarely rarely, rarely go out to eat. Which isn't really a big deal considering that eating out with two kids is no fun anyway and I can't eat 90% of every restaurant's menu.
The most important money saving tip I have for groceries is to use cash. It can be a huge pain in the butt when Ted runs to the store for me and forgets the cash or Hannah "organizes" my wallet and mixes all the cash budgets together, but it's still necessary. I've found that I just wont take the time to check my online banking and see how much money we have left for groceries. But when there are seven whole dollars staring you in the face and six whole days of the month left, well it forces you to figure it out.
Ok, one more then I'm making myself stop. We almost never buy something new. We check Craiglists before making any big purchases. We swap items with friends who no longer need stuff. We got Hannah's twin bed by trading our double with friends who needed a guest bed. Ted is a connoisseur of finding free wood and using it for all sorts of projects and shelving around the house. We gratefully accept kid's clothes from friends and family and buy the rest consignment. I do a clothing exchange with friends every few months and get to clean out my closet and get free clothes in the process. For other clothes we use gift cards from birthdays or wait until we find a good deal.
What am I missing? What are some of the things your family does to save money? I'm always open to ideas I've been missing out on.
Every once in a while Ted and I play the "Wouldn't it be Cool if We Won the Lottery" game. And while it's fun to imagine what types of things you could buy and do with millions of dollars, we are in complete agreement that we really wouldn't change much about our lifestyle. There still isn't any reason to buy kid's clothes new or throw away a ziplock bag after one use. And while I would probably spend well over a thousand dollars a month packing our cart full of delicious food, I would still check Craigslist for deals when we needed something. And one more thought about money (here's where my two cents turns into a very preachy two dollars). It's just money. Really. I think there is a temptation in some circles (read: Catholic families on a budget) to sort of idolize saving money. Just as the temptation to fall into materialism is there for the wealthy, the temptation to worship frugalness or thriftiness is there for the non-wealthy.
So while I do try very, very hard to save money for my family and make smart financial decisions, in the end, it's just money. And I don't let trying to earn it or trying to save it consume me or keep our family from enjoying the many blessings we've been given.


