Friday, January 25, 2008

Our biggest hurdle is all the little extras that we didn't know were coming. We save for the large ones, house, car, working on that 3 to 6 months. I'm talking about after we have set our bimonthly budget, I've got the allotted cash for each area set. We have done the shopping etc. Then someone calls and says, "By the way the field trip the girls are attending is going to cost $22". Yikes! When we thought it was free.
First we re-evaluate is this really needed at this time or should it be canceled? If we should go ahead then were does the money come from? Well this is how we handle it. I have a household budget that covers everything from food, car oil, a gallon of paint to crafts. We have a separate car repair fund, clothing, and house repair.
So I break my "household" into 3 to 4 areas: Food$200, Food Co-op $25(save), Biweekly$50 (deals and those things that sneak up) and sometimes a Special Date $25.
*The Bi-weekly (which I might add the Lord prompted me to do) has been the greatest blessing! I still don't want those things to happen, but I can usually cover it. Then I can hit the other deals or any clearance clothes that might be NEEDED.
** Also saving out $25 from my budget twice monthly enables me to buy my wheat, sucanat, 6 lbs. hormone free mozz. etc from my quarterly co-ops. Now I'm not scurrying to figure out where the money comes from at pick up time!

Eating healthy for a family of 6 can be pricey in our market. I buy hormone free or organic ground beef for about $3lb compared to the grocery stores here which run $6 lb and up. I would pay $3 for the regular stuff on sale here!

Co-ops, Costco, Vitacost and our garden help quite a bit! We make most everything from scratch. I'm trying to have money left over for our "Rainy Day" account. Which if ever gets big enough might make it to savings!

Have a Glorious Day!

Thursday, January 24, 2008

Frugal Friday

Well it's Frugal Friday again! Yippee!
I saved at CVS!!! I paid $1.98 cash, used $4 off of $20 store coupon and $16 in ECB's. I got $22 in merchandise and $16 in ECB's in return! My Husband stood by amazed and bewildered (and I can't remember when the last time was that I saw him that way!).

I ran out of eggs this week and started a recipe for alphabet cookies with my little ones when I realized my dilemma. I remembered someone else's post last week for making hair gel with flax seed. Well I figured that would be a great egg substitute!
I used: 1 tablespoon ground flax seed
2 to 3 tablespoons warm water
Mix well, add as you would an egg! They turned out great! One of my older girls and I tried it in the cupcakes we made for Bright Lights! They are great too! I just want them out of our home quickly!

Praise the Lord. He never ceases to come to aid. Even in the smallest of needs!

Friday, January 18, 2008

Frugal Friday

I'm not the most computer savvy mom out there, but I am learning.....or at least willing! It's Frugal Friday over at Biblicalwomanhood.com. My big tip of the week is: If you've never gardened or have and had trouble with your past adventures (that's us) join your local 4-H gardening club!
We live in the south, so this garden time for us! We have had such an abundance of spinach, eggplants and tomatoes. My girls are getting a bit tired of all the eggplant dinners! But I digress... In our area it is $10 per child, per year to join 4-H. Each child (ages 5-18) receives a 12x12 plot to work, all the seeds and plants, and wonderful help from the master gardeners! We help out quite a bit and we (the parents) will get our own plot for the spring! Only 3 of 4 sweeties can have a plot at this time. So that's 4 - 12x12 plot's for our family. We have met many wonderful people and have been able to share with each other what the Lord is doing in our lives!
I've also been able to come up with some new chemical free items for our family business that came right out of our garden!
I haven't bought produce for almost 2 months! Yipee!!!