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Showing posts with label Frugal Living. Show all posts
Showing posts with label Frugal Living. Show all posts

Friday, May 27, 2011

Looking Ahead to June

Are there any seriously dependent list makers out there like me? I cannot live without my lists. I tried and seriously came unraveled.

One thing that I'd like to begin doing on my blog is making goals for the month ahead. That would bring us to June.

In June....

My goals in the kitchen are:
  • be more diligent in taking care of my water kefir, dairy kefir and sourdough starter. I need to feed them properly and actually use them. 
  • tackle the area of breakfast. Breakfast is usually just thrown together. I am terrible at actually planning ahead and soaking and preparing for it. I will be adding breakfast to my menu plans.
  • to begin making my own granola. My family LOVES granola in our yoghurt. This would be an exciting treat for my kids. I will be scouring the Internet for good granola recipes.. Know of any?
My homemaking goals are:
  • to begin a cleaning routine.
  • to have a specific baking/preparing day.
My frugality goals are:
  • to be more intentional about my time. Making the most of it and not just wandering from one thing to another. Do things that matter and have a positive affect on my family, me and those around me.
  • stop eating out.
 My gardening goals are:
  • to take pictures and be more diligent in documenting on journey. I am notorious for coming up with good ideas, them working and then the next year totally forgetting what I did.
Books I will be reading:
How about you? Any intentional ideas for next month?

Thursday, March 25, 2010

Frugal Friday: Groups

If you haven't checked it out yet, I am having an awesome giveaway in honor of my 300ish post! Take a look and take the time to enter!
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photo : Riley Children's Hospital


Have you found a local women's or mom's group? Do you have a play group?

It took my FOREVER to finally take the plunge into groups. I am ALWAYS worried about joining them. I am always wondering if .... I'll get everything that needed to be done, done. Will my kids behave? Will the other kids treat them nice or like them? I have some quirky parenting ideas and some not so popular interests... Will the other moms like me?

A few weeks ago, my friend, Kelly, invited me to a women's group. I was so nervous, but then decided to go. The night of the women's group, Kelly invited me to her play group the next morning. Once again, I was nervous but still went. I had an awesome time! I even met some great ladies (Take a look at Janelle's blog! She is one of the encouraging women I met! She is an inspiration and EVEN a rock climber! Can you say "wow!"?)  and learned that some of the SAHM struggles I am dealing with really aren't as far out crazy as I had thought.

In the past couple of weeks, the groups I have began taking part in have gradually taken over the trips to Targer that I took out of boredom and just wanting to get out of the house. And guess what! When you don't go to Target, you DON'T SPEND MONEY! Isn't that just a novel idea?!?

Take a look around  your area. Are you in a mom's group or women's group? If not, I encourage you to find one. Most groups are free or minimal cost and they save a ton of money by taking your time away from Target!

For more money saving advice visit Frugal Fridays over at Life as Mom.

Monday, March 8, 2010

Preparing to Prepare


Preparing to prepare... Sounds a little crazy doesn't it?

Well it is a little crazy... because... I'm a little crazy!

First things first...

I always look into buying seeds and plants first thing. I have got to be comepletely honest with you... It took me a LONG time to be able to grow plants which actually lived and produced fruits... A. Really. Long. Time.

So here are a few questions/suggestions when preparing to buy seeds or plants:
  • What kind of climate is your garden going to be in? Is it sunny or maybe shady? Is the area where you are going to put your garden the collector of rain water and will flood out? Where is the best part of your yard to garden or plant?
  • Are you a lot like me and really wanted to start plants from seeds but they always died? I wasted a TON of money on seed before I realized that I just needed to master on type of seed at a time. I wasn't a "green thumb" so I had to recognize and not overwhelm or set myself up for failing.
  • What kind of seeds do you want? For our family, non-GMO seeds are VERY important to us. We like to know that our food is in it's most natural state. We buy our seeds from Baker's seeds.
  • How much do you have budget for gardening? Every year, I do a gardening budget. I like to make sure that growing our own food isn't going to break the bank. It is also nice to see how much you spent compared to how much you saved. It is also important to remember how nice it is in the winter time when you don't have to leave your house if you don't want to because food is already available. So keep track of what you spend in seeds and time.
  • READ, READ, READ! There are tons of reviews and sources our there. Read up on plants and planting times.
  • Finally, how much time and attention are the plants going to take? If you are a busy person who works a ton of hours and barely has time to take a shower, you are probably not going to want a big garden. Maybe look into container gardening or raised bed gardening.
The challenge for this week is to think about and research what size and type of garden you want and if you want to try and start plants from seeds. Then, look into what seeds you are interested in. Come back Wednesday for the next step I take in preparing to prepare!

Friday, March 5, 2010

It's the Most Wonderful Time of the Year

Do you know what I am actually good at and REALLY enjoy? Gardening and perserving our food through the summer.

It's hard to believe that it is time to start prepping already, but it is!

I am going to spend a lot of time bringing you ideas that have helped me in various areas of my adventure in gardening and being a good steward of what the Lord gives us from it.

Join me in discussing these five areas:


Preparing: Your home, Your kitchen and Your garden for the planting.


Gardening: All the tips and tricks I have learned.

Harvesting: What's worked for me and my family?

Giving: In my personal opinion, the most important part of the garden.

Preserving: We are going to be trying some new things as well as sharing same old family tricks and secrets.

Come on back and learn some of the joys and defeats of growing your own food!


Thursday, January 28, 2010

Sourdough: Day 7

Once again it is just add 1 c. flour and this time I only put in about 1/4 c. of water. Tomorrow we begin baking! Woot! Stay tuned and what my yucky smelling sourdough looked like (It looked yucky too!)


A "Butter" Adventure

Butter really is better. And it is a lot of fun to make!

Last week, when I went to the farm, I bought raw milk and I have been using it. I love all the things you can make from it! I just l.o.v.e it!

There are a lot of tutorials out there on how to make butter and believe me, Andy and I have looked at them all!

And here is my conclusion... I am a person that needs a ton of steps and pictures. I need to know EXACTLY what is going to happen and EXACTLY how it going to look.

I thought some of you might be a lot like that also so I decided to show y'all step by step (and picture by picture) just how I made butter.

Here is a couple little housekeeping things about making butter. First, you really should let the cream get to room temperature (I keep forgetting but it works quicker if you let it warm up a bit.). Second, you can use just about anything that will aggitate the cream. I used a Kitchen Aide mixer. Others have used food processors, blenders and in the good ol' days they a churn! :)


Here is my milk. Do you see the line of where the cream has seperated? Just use the top part. The less milk and more cream, the butter better!



Put the seperated cream in the container of whatever appliance you are using. If you are using a food processor, Laura says not to fill more than 3/4 full or it doesn't work.



After about 3 minutes, your cream begins to look like whipped cream (what a thought! :)). A tip from my experience, if you are using a mixture, put on the baking shield or your bowl will turn out looking like mine (a mess!). When you are using a mixer, you really  have to turn up the speed so it slops everywhere if you don't have the shield on. If you are using a food processor or blender, it needs to go on medium speed.



What I am trying to show here (and it didn't turn out) is that after the "whipped cream" phase, it goes back to looking more liquidy. I was really worried that I did it wrong and after doing the butter more than once, I have seen that for some reason it just does that. (Sounds intelligent, huh?)



After it's back to liquidy phase (after the "whipped cream" phase) it will go back to the whipped cream but it will be a more cream to golden color. Keep whipping!



The butter is starting to seperate from the cream (buttermilk-some say you can use it the same, some say you can't. The jury is still out on that one.)



The butter after it is whipped. The second time I attempted this, there was a lot more butter. I put way too much milky cream in the first time (which is this picture).



The next step is rinsing the butter. Run it under COLD water. Continue to squeeze and rinse until water is completely clear. It is a l.o.n.g process but keep at it. It is so worth it!



and.... Here's my butter. It is soft when you first finish rinsing it but within a couple hours, it will be back to the normal hardness of butter.

I know it sounds like a lot of steps but making butter is really really easy and like I said.. So worth it!

So what do you say? You willing to give making your own butter a try?

*This is linked to Frugal Friday.

Wednesday, January 27, 2010

Sourdough: Day 6

I just wanted to pop on and let y'all know how my sourdough looked today on Day #6. You are still adding 1 cup of flour to approximately 1/2 c. water. I started cutting down on water to keep the "sourness" down.


Tuesday, January 26, 2010

Happy Birthday Mom!

No today isn't my Mom's birthday but last week was!

Y'all know that I love to decorate cakes for people. I love to make people I care about feel special. I love taking the time and making something that I think they will enjoy and know that they are important to me.

So... I made my Mom's birthday cake and I also made her a scarf.

I used fondant for the first time and it was quite the adventure. It actually turned out pretty good for a first go!






How about you? Do you enjoy making gifts? Do you enjoy recieving homemade gifts?
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*This post is linked to Works for Me Wednesday.
*This post is also linked to Life as Mom.

Sourdough: Day 5

Welcome to Day 5! Now there is nothing more to really report except for it is really starting to smell "sour". Okay... "sour" doesn't begin to describe it!

I acutally had to move my starter to a bowl today! According to Laura's steps (and I am a rule follower!) we should only add 1/4 cup of water and 1 cup of flour to start making the starter thicker.

This is what my starter looked like when I pulled it out of its warm hiding place.



This is what my starter looked like when I dumped it into the bowl before adding to it.


and this is what it looked like after adding 1/4 cup water and 1 cup of flour.

Come on back for day 6!

Monday, January 25, 2010

Sourdough: Day 4

Welcome to Sourdough: Day 4!

If you are visiting for the first time, I am attempting a sourdough starter using Laura from HeavenlyHomemakers sourdough steps. Take a gander!

Day 4!



This is what my sourdough looked like on day number four. I didn't take any more pictures because I thought y'all might be getting tired of my pictures of a cup of flour and a cup of water.

Therefore if you're wondering, today you add another cup of water and another cup of flour.

Come back tomorrow for day 5!

Thursday, January 21, 2010

Food Flops and an Emergency Fund!

Now I couldn't  help but think about our recent debt repayment flops when this incident happened (Plus it's just really funny and I wouldn't be a good little blogging buddy if I didn't share it with you!):

I have been on a conquest to start making our foods all from scratch and not processed. I happened upon my first food flop this week. I was trying to make my own yogurt and somehow I made something the resembled soured cottage cheese. My poor husband is always the guinea pig (Hey! I'm not dummy!). Here are the pictures to document:


"Honey, this doesn't look like yogurt..."

And being the good wife I am.... I started chanting.... "EAT IT! EAT! EAT IT!"



And being the good husband he is (or just trying to get me to hush...), he....


TRIED IT!!



And he says "ARE YOU TRYING TO KILL ME?!?"

Now that I gave you a little comedy relief, I want to share with you just how this pertains to paying off debt.

Sometimes, we have the best intentions. We come up with a budget and we chart our course to repaying debt. Then something comes up. Something always comes up... What do you do if you have cut up all your credit cards?

The next step in the Road to Financial Freedom is saving money for a rainy day. Dave Ramsey calls is your umbrella on a rainy day. He says to save $1000 fast or $500 if you have a family income of less than $25,000/year.

An example in my life is my van tires. We just paid a ton of money to get new tires for my van about two months ago. Andy comes in tonight and says, "Why is your van tire totally flat?"

It ended up that I drove over a screw. Ack!!

If we didn't have money in our emergency savings account, we would have had to open a credit card, get a loan or another method to pay the tire people. All of those are detrimental in paying off debt.

So next step... save for a rainy day as fast as you can!!
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*This post is liked to Frugal Fridays!

Wednesday, January 20, 2010

Mason Jars and Sourdough

I love jars. I know you remember just how much I love jars.  I love that you can use them for almost anything.

One new way we have been using jars around our house is by putting leftovers in them. They secure and keep your food fresh while being clear so you can see what is in them.. Isn't that just too cool?!

It never ceases to amaze me that good products, such as Mason jars, have been around for so long.

Generations and generations of my family have used Mason jars. I have made it my personal conquest to find the oldest jars possible. Look at the ones above-aren't those just so beautiful? Yeah, they need cleaned up again but do you know how many uses there are for these babies?

Well the reason for my talking yet again about how much I love jars is that I began to make my own sourdough this week. I used Laura's recipe and instructions. These instructions are GREAT but I have to tell you, they should make a book called "Sourdough for Dummies". I was so worried about beginning this adventure. Therefore, I decided to document my days of sourdough making for you!

Now I have to warn you, this was one of the few days that I have been in a good mood of late... Be warned... I am a goober... :)

The Birth of My Sourdough: Day 1 
(If you are interested in step one of making
sourdough here is Laura's Day 1)









Most people feel like this when starting sourdough. I know I did. My friends told me how hard it was and I totally went for it. Now y'all I have proclaimed honesty and openness on this blog and this might turn out to be a total flop but we will see together, won't we?


But "Put a Smile on Your Face and Make the World a better place..." Okay, back to semi-seriousness. This is me after I decided to take the the dough dive! (I told you I was a goober. I even think my own jokes are funny!) Isn't Dylan just a great photographer?!?




Here are the ingredients you will need: 1 cup whole wheat or rye flour, jar or bowl, one cup water, stirring spoon, rubber band or tie, and Laura says cheese cloth, I didn't have cheese cloth so I used a cloth napkin.


Pour in flour and by pour in flour, I mean actually IN the jar....

 
Okay that's better..... :) Now while you're on roll add the water to the flour and stir.





Last step put on the cloth on over rim of jar and tightly secure with the rubber band. Now I had the thought of doing sourdough with cheese cloth nativities for Christmas next year? Think that thoughts a winner? Just kidding...

Come back tomorrow for The Birth of My Sourdough: Day 2!
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*This post is linked to Things I Love Thursday!

Thursday, January 14, 2010

Road to Financial Freedom: Part 2

I was going to write about budgeting today but I just felt like there were other matters that needed discussed first.

When I first stepped into learning about getting our finances under control, I was overwhelmed. There was so much material and my head was spinning.

Where do I start? What is the first step? Where do I even try to begin?

Today I am going to show you some of the best resources I have found. I have been there and trust me, I have read and researched it. I am going to share with you books I have read, websites I have become involved in and blogs that I read to keep on track and accountable.

Awesome book resources:
  • 30 Day to Taming Your Finances by Deborah Smith Pegues 
  • Debt-Proof Living by Mary Hunt
  • Financial Peace Revisted by Dave Ramsey
  • Learning to Live Financially Free by Curt and Marybeth Whalen
  • Live Your Life for Half the Price by Mary Hunt
  • Your Money Counts by Howard Dayton
  • Your Money Map by Howard Dayton
  • The Complete Cheapskate by Mary Hunt
  • The Millionaire Next Door by Thomas J. Stanley & William D. Danko
  • The Total Money Makeover by Dave Ramsey
All of these books are on the right side of my blog (under my favorites/recommendations) so that you can access them easily if you are interested (but as always, the library is most likely the more frugal option).


Websites:

Blogs or Online Journals
  • LifeasMOM.com
  • Thehappyhousewife.com
  • curtandmarybethwhalen.com
  • couponomicstimuluspackage.blogspot.com
  • moneysavingmom.com
  • dealseekingmom.com
  • moneyjarsavings.blogspt.com
There are many, many more resources out there. Go out and read, read, and read some more. Like knowlege equals power, money knowledge equals more money!

Have anymore questions? Don't know where to begin? Have you been on the road to financial freedom for a while? What step are you? Leave a comment and let me know. I love to hear from you!
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*This post is linked to Frugal Friday.

Friday, January 8, 2010

Calling All Money Saving Bloggers!

Calling All Finance Bloggers!

I am compiling a list of financial type blogs. If you would like to be on the list, please email me at jodi(at)woh(dot)rr(dot)com.

Thanks in advance!

Road to Financial Freedom: Part 1

First things first...

Y'all read in this post all about my financial goals. Today I want to share with you what I believe needs to be addressed before beginning a die-hard debt recovery and money management program.

The first step is evaluating your ATTITUDE about money.

The first and MOST IMPORTANT idea we need to address when it comes to money management and our attitude is who the money actually belongs to. First and foremost, our money belongs to the Lord. He has given us all we have and we need to understand that our money is actually HIS money!

If you have not been faithful in handling your worldly wealth, who will trust you with true riches? Luke 16:10

We are just managers of God's money. In his book Your Money Map, Howard Dayton says "How we handle our money impacts the closeness of our relationship with God. Every time you apply one of God's financial principles, you will grow closer to Him."

How we spend and save our money should always be with communication with God. Once again, it is ultimately His money! How would you feel if you were the manager of a company and you entrusted an employee with your money and they never consulted with you and just spent the company money (YOUR money!) frivalously?

After realizing who the money belongs to, we need to evaluate our attitude and thoughts about the money we are entrusted with.
It is said that how we relate to money and handle it is a learned skill. We learn by watching our parents, friends and church deal with money. Whether the learned skill is good or bad, you need to figure out what works for your family and the glory of God.

You have a choice. You can either continue the negative habits you have learned about money OR you can learn and use new effective habits. You can learn how to use your money to the highest potential.
Even if you feel like money is dominating your life, take heart, you can make changes. You have the power to take positive actions and head in the right direction.

In Mary Hunts book The Complete Cheapskate, she outlines key attitudes that need to be addressed (I will be paraphrasing.):
  1. Understand what money is! Money cannot equated with love, happiness, worth, respect, social standing, approval, acceptance AND it cannot purchase any of these things.
  2. You have to be responsible and honest! No more debt, bad checks... Take control and own up.
  3. Don't spend money that is not yours! (i.e. credit cards, loans you cannot afford, etc.)
  4. Respond appropriately! Don't get angry, upset, mad, etc... Just know your situation and try to make it better.
  5. Accept responsibility and not shame! We all make money mistakes (the small, big and the ugly!) but what we do with those mistakes is the big thing. And like it is said- Everyone makes mistakes.
  6. Know where your money goes! Be clear about where your money is going and headed!
  7. Dream! Goals and dreams... Keep having them!
  8. Be content! Be happy and content with what you have and who you are!
  9. Give! Remember the money is ultimately God's?
  10. Do what it takes! What is it going to take to get on the road to financial recovery? Do it! 

Everything in the heavens and earth is yours, O Lord, and this is your kingdom. We adore you as being in control of everything. Riches and honor come from you alone, and you are the ruler of all mankind; your hand controls power and might, and it is at your discretion that men are made great and given strength. -King David

    Next week I will discuss the second step- A Budget (or money plan). Come on back! If you want to find more tips on frugal living, Life as Mom is the place to go!

    Wednesday, January 6, 2010

    Pantry Eating: Week 1

    I made it through Eat From the Pantry Challenge week #1. We stuck to our menu plan and ate at home every day and night. Honestly, it was not that much work. We have a TON of food that is just begging to be eaten up. The picture of my stock pile hasn't changed at all.


    The only challenge that presented itself was when we didn't have one little thing for a recipe. I did a lot of searching the net and substituting. It really was a good thing for me to learn.


    I know that many moms are a lot better at this that me but going through the refrigerator and using up little items (such as a 1/2 c. of sour cream) before it went bad totally made me feel great! I know I was a self-proclaimed "waste not, want not" queen but we were throwing a huge amount of left-overs away!


    A couple things I used up were white rice by throwing it into a crock of soup and sour cream by throwing it into a pot of mashed potatoes. I cannot believe how invigorated I was just by doing those two simple things!


    Also for the first time I am looking into my refrigerator and planning around leftovers! Woot! "I'm queen of the World!" Sorry I'm a little triumphant! (You over there, I see you rolling your eyes but trust me, I hate leftovers so this is huge! :))


    I am going onward with the challenge next week. It should be easily done since the are projected a major snow storm heading our way. I know that I said I would be taking this a week at a time but I am wondering if I have such a big stockpile that I should continue you on even into the next month. Just a little thought... We'll cross that bridge when we get there!


    How are you doing with the pantry challenge? Haven't started? Well today is the day. Come one and jump on the wagon. It's good fun!

    Monday, January 4, 2010

    White Chicken Chili

    I have, hands down, the best white chicken chili recipe ever! Eating it in the winter is like a small little slice of Paradise (okay... maybe that's pushing it a little... ) on a cold day!


    Without further adoo (or thoughts of Paradise!)... I will reveal my favorite chili recipe ever and how my family acts when they eat it!


    *Disclaimer looking at these pictures of Lincoln eating this chili is not for the light hearted... He is a messy eater, but really really cute!*





    Dylan is really excited it's white chicken chili night!

    Lincoln LOVES this dinner so much he doesn't have time to use a spoon!


    Daddy, who is extremely cold, is wondering why dinner time is always so messy and crazy at our house!




    White Chicken Chili

    1 can Northern beans
    1 can garbanzo beans
    1 clove garlic, minced
    1 medium onion, minced
    1 can (4 oz) green chiles, minced
    1 tsp. ground cumin
    3/4 tsp. oregano
    1/8 tsp. cayenne pepper
    1/8 tsp. ground cloves
    1/2 lb. chicken breast, cooked and cubed
    Salt and Pepper to taste
    ETA: Thank you Courtney! There is 3 cups of chicken broth.. I just drain the broth off the chicken after I cook it and use that. Sorry I totally spaced!

    Throw it all in a pot and simmer for about an hour. This recipe makes about 8 servings but a lot of times I at least double it because it is one of those recipes that tastes better the following days as leftovers!
    Enjoy! And if you are looking for more good recipes take a look at Tempt My Tummy Tuesday and Tuesdays at the Table and the Ultimate Recipe Swap.

    Sunday, January 3, 2010

    The Great Coupon Exchage

    Today was such a success, that I just cannot see not expanding it. Thanks so much to Janet for helping me find my way!

    Times are hard right now. The economy where I live is not getting even close to better. Jobs are sparse and money for food is even more so.

    This morning when I was spending $3 on papers and then when I was clipping the coupons out, I just did not like the fact that there were so many coupons in the paper I was not using. Therefore, the birth of "The Great Coupon Exchange" began.

    Are you a mother of college aged children and find that you keep having tons of diaper and baby food coupons? Please know that as a young mother of young children, those precious coupons are precious pennies in our pockets.

    Do you have extra coupons that your not using and just hate going to waste? Every Sunday, I will be posting all my extra coupons and at the end I will adding a MckLinky for you all to share what you have. Just write a post mentioning the Exchange, come back to One Blessed Mama, link up and start looking to see if there are any coupons you might need.

    So be ready friends with your newspaper and scissors in hand (but please be careful! :)) next Sunday. Come back and join me for the 2nd edition of The Great Coupon Exchange!

    Saturday, January 2, 2010

    New Humble Beginning...

    Cheryl over at Moms in Need of Mercy has a Once a Month Cooking Festival at the beginning of each month.

    The idea of once a month cooking is an interesting concept. I always thought that once a month cooking wasn't for me. There were two main reasons: 1) I have ADHD and the thought of being in the kitchen for a long time (especially cooking and cleaning) just overwhelmed me and 2) By the time I got done making all the food, I would be sick of looking at it and never eat it.

    BUT when looking at all my New Year's goals and what I would like to try and achieve this year, I felt I had to find easier ways to put food on the table. Something had to give.

    That something was my preconceived notions of once a month cooking. Now I am not going to cook all my meals for one month at one time, but it isn't too hard to brown a little extra beef or make a bigger portion and freeze the remainder. I can do that!

    Tonight we were having meatloaf. While making our meatloaf for dinner, I decided to make three extra and feed them. (The really exciting part was not only did I make three extra main dishes, but I also used up some meat that really needed to be used! Two birds, one stone!)

    So here is a photo journal of my first humble beginning of "once a month cooking".


    Cheryl's got some great tips on getting started so why don't you take a little gander over at Moms in Need of Mercy!?

    Thursday, December 31, 2009

    Plan to Make it AND Make it With a Plan

    This year is a year full of financial aspirations.... And my (I think it is my...) new motto is....

    Plan to Make it AND Make it with a Plan!

    This year we are going to be really hitting the debt and we have a few goals and plans to get us there. I really believe that without written goals and plans, achieving something is almost unattainable.

    I wrote a few of our financial goals in this post, but I really wanted to get more in depth with them today...


    2010 Financial Goals
    • First and foremost, Andy and I will be sitting down monthly and preparing a budget together. Dave Ramsey heeds the wisdom of spending ever dollar on paper first. I really like this approach and it works well for us.
    • We will stick to the budget. No more, "Well we have the $$ so we can go ahead and buy..." I will be praying about every $ spent and will no longer give into impulse buying. Every dollar will have a purpose and all extra money will be air-marked to debt!
    • I will begin couponing. I am a big encourager of whole, real foods but I do believe that there are some healthy eating coupons out there and to be honest, so days I just don't feel like spending 4 hours in the kitchen. On those days this past year, we would jump in the car and head to a fast food establishment. Now you tell me... What is worse- a frozen pizza or a trip to McDonalds where we do not get the healthy choices?
    • We will be eating at home a lot more! No more eating out during the week at all. Weekends we will occassionally and sparingly use our gift cards but just on date and special times.
    • Grocery shop with a list and STICK TO IT!
    • Spend the summer and fall gardening and harvesting as much of our own food as possible.
    • We are going to be staying at home more regularly and be a better steward of gas by planning before we go. If we aren't driving just to drive, we will have more gas!
    • Menu Plan! We save so much money if I follow a menu plan and cook around the sales.
    • We closed all of our credit card accounts this year but we really need to start using cash more and the debit card less.
    • We will make better use of free resources such as the library.
    • When the weather is nice, we will do more family activities outside such as bike riding, hiking, going for walks, playing outside, etc.
    • I am going to journal all purchases and catelog our receipts.
    • We are going to continue the tradition of mostly homemade items for Christmas gifts.
    • I am going to be blogging more regularly about financial topics.
    • MOST OF ALL... We are going to take care, use up and be content with what we already have been blessed with instead of wanting different or more.
    We have the goals to...
    1. establish and KEEP our emergency fund.
    2. pay off $10,000 of medical debt.
    3. save for my dental implants.
    4. and lastly save for our awesome vacation coming up in September (I will fill you in on it more later. I am so excited!)
    So now... What are your goals financially for 2010? Is this the year you and your family are going to take a stand and say no more to debt? If so, join Andy and I on our journey to financial freedom!
    This post is linked to Frugal Friday.