Miserly Moms

My third book of the year was “Miserly Moms – Living Well on Less in a Tough Economy” by: Jonni McCoy. This book is packed full of great ideas to help a family save money on the basics. There are recipes, crafts, and tips that you can use.

This book is about saving for what you want. Her personal story was that she wanted to stay at home with her kids and the things in this book helped her to do that. I get the pride in that. However, I didn’t expect that there would be so many comments on staying at home with your kids but she did include a chapter for parents who do work which made me feel a little better. I skipped the testimonials from stay-at-home moms in the first chapter. I like working. I tried the stay-at-home mom thing and it was so not for me. For those who do enjoy it or want to try it this book has information in it that you may enjoy.

On a side note: If you borrow this book be prepared to take notes. If you buy this book you may want post-its to mark pages. There are some truly awesome things in here!

Budget Challenge #1 – Lunch

Between work and school I tend to eat a lot of lunches at restaurants and out of vending machines. Not only is this really bad for me but it’s also really expensive! This week I began packing. I packed lunch, a small snack, and a couple drinks in reusable bottles. The couple early days I even took my breakfast with me to class. The financi breakdown looks about like this:
Lunch out $5
Drink from the vending machine $1.50 each (I typically get two)
Snack from machine $0.55-$1
Total of = $7.05 to $9.00 a day

Packed Lunch $1
2 drinks $0.50
Snack $0.25
Total of = $1.75

That’s a savings of $5.30 to $7.25 a day! That’s an incredible savings!

The Perks of Being a Wallflower

My first book of the year was “The Perks of Being a Wallflower” by Stephen Chbosky. This book is about a boy starting his first year of highschool. The book is the letters he writes to a mysterious friend about his life. He is a sweet, intelligent, lovable kid who has some serious issues. This is a good read for the young or young at heart.

The First Step To Getting What You Want Is Knowing What You Want

The only way to get what you want is to know what you want. This is true in every aspect of life. We have been working on our finances in order to buy a house this year. We are trying to save as much as possible so we can put down a decent down payment and have an emergency fund in case anything goes wrong after we move in. It has been of the utmost importance to keep what it is we want in the forefront of our minds because cutting spending is never fun. By reminding myself why I’m doing this it is easier to do. When I’m clipping a coupon or going home for a sandwich instead of going out to eat, I remind myself why. I take a second to picture Bella running around our backyard, Ivy having friends over to see her new room, entertaining guests in our new home, or anything else that helps me refocus. Whatever your savings goal is focus on it. I swear it helps. Look at photos, write your goals on a note card to carry with you in your wallet, and talk about your goals to anyone that will listen. It helps to tell your friends and family what you are up to. They will be less likely to tempt you with things you don’t need if they understand why. If you have an eat-out lunch with a friend once a week and you suddenly tell them that you have to stop without explaining why it could cause tension. But if you say I am trying to cut back on spending so I can do (fill in the blank) your friend will be more accepting. You can then talk about alternate options for getting together.

Remind yourself of your goals and work toward them! You can do it!

2013 Resolutions

I made more than one resolution this year. My first resolution is to continue with the book list. I am going to read 52 books this year, One every week. I will write-up a quick review post on here and then put the book on the 2013 book list tab.

My second resolution is to continue working very hard in school so that I pass and get my degree this year. I am super excited! Unless you have been to nursing school you cannot fully appreciate the insanity that it is. We began 101 with 60 students. We are beginning this final year with 15 of them. It is crazy to think that only 1 out of 4 of us made it this far!!

My third resolution is a big one! It is something I no doubt have in common with a lot of Americans. It is to get our finances in order so that we can buy a house. We have moved around a ton and we have done a lot of renting. My husband and I were recently talking about life, kids, and getting older. We realised that we are finally ready to settle down for a while. We agreed that if we were going to stay in one area for at least 5 years that it was only logical to buy a house. We would like a place with at least 3 bedrooms, 2 bathrooms, a two car garage for my husband, a big back yard for the kids, an open floor plan, and room to entertain. I like a place that has good flow! We will have to make some sacrifices and watch our money more carefully. I really think that with a little hard work we can do this. I will post any money-saving tips and tricks I find that really work.

Hope that all of you have a wonderful 2013 and may all your resolutions go well!!