5 Ways To Spend Less Money This Year

Coin Jar

 

Today, you can find me sharing at the Modest Mom.  Here's a small snippet of my post about how to spend less money this year:

It's a new year and with it comes a fresh start, new goals, and clearer vision.

With ever-rising food and fuel costs, many families have resolved to live more simply and spend less.  We made that commitment several years ago, and it has allowed us to purchase a home and vehicles debt-free over the years, even during the "economic downturn" and a period of unemployment. It hasn't always went smoothly, and we've certainly had challenges along the the way, but God has blessed our efforts.  We are committed to re-assessing our spending each year and as life changes happen or expenses fluctuate.  Nothing ever seems to stay the same!

It's our prayer that we can give more generously by living more simply.

Here are five things to consider as you begin a new year:

1.  Pray for wisdom. I always try to remember that it's not my money, it's His, and He's letting me steward it.  How does He want me to spend it?  Pray for His direction and wisdom in this area.  Read what the Bible has to say about money.  There's so much encouragement in the Word!  Pray about what other books you should read or financial advice you should follow.  Pray for the little things, too, like help with stretching your grocery money.  He will begin to give you wisdom in this area if you ask!

:: Please join me over at the Modest Mom to read the rest! ::


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12 Simple, Frugal Dishes For Potluck or Carry-In Parties

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There are so many dishes you could bring to a holiday potluck, but what are your choices if you're trying keep things simple and frugal during the holiday season? Plan now for your upcoming family, friends, or church gathering by browsing these inexpensive dishes that are also simple enough to make while creating memories with the children.

Here are 12 ideas to get you started:

image by carolyn|umami girl

1)  Deviled eggs - Easy, yummy, and very inexpensive.  Add a layer of lettuce to the bottom of your flat serving dish to help keep them from sliding around.

2) Melon skewers - Try cantaloupe, honeydew, or any melon and use a melon baller to make perfectly round spheres, then skewer them.

3) Cheese and fruit tray - Children especially love cheese squares, so these make a great option if there will be children at the party.  Garnish with a few pieces of fruit, such as grapes or sliced strawberries.

4) Garlic hummus - My recipe is super easy.  You'll love it.

I'm sharing the rest of my list over at Raising Homemakers.  Won't you join me there?  I'd love for you to add your simple meal ideas, too!

Christian-Themed Christmas Decor


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Christmas Stocking Stuffer Ideas For Everyone On Your List

stockings

gorgeous stockings by eab designs

Featured post by Mary of The Encouraging Home

Christmas is a wonderful time of year, but can also be expensive. One way we enjoy giving gifts is in the Christmas stockings.  Digging in the stocking is usually about as much fun as opening gifts.  Many families make this the bulk of their gift giving, with only one or two other gifts.  The little items are fun to buy during the year, and you can buy things your family will need anyway. It somehow seems more special coming out of a stocking on Christmas morning.

Look at places like the Dollar Stores, travel sections, or dollar sections of big stores to find items that are inexpensive.   Look for sales during the year for things you know you are going to buy anyway.   Many of these items you can get very cheap or free if you watch sales and use coupons during the year.  Keep a container to store things you find and keep a list handy.

Here's a big list of ideas that may help you find a few things to fill the stockings the frugal way:

General Stocking Stuffers Ideas:

  • Small notebook and pen/pencils–Kids love to draw and write.  My son has started carrying a notebook and pen in his pocket, like his dad.  He is always prepared and helps make list in the car.  Adults always need new pens.   My husband does, because I have a habit of putting pens in my pocket or hair and then in my pocketbook.  It must come from my teaching days. A strange habit to have.
  • Coloring book and crayons-Who doesn’t love to color?  A great activity for quiet time or to share with your child. Just DO NOT leave the crayons out of the box in a car on a hot day. The results will not be good.
  • Small books- I LOVE books, so my kids always get new books.
  • Toothbrush – My kids always get a new, battery powered toothbrush in their stocking. They get regular ones during the year, but the Christmas toothbrushes are special.
  • Mittens and toboggan/cap-Depending where you are from determines what you call the snuggly thing that keeps your head warm. In the south, it is a toboggan and we slide on the snow on a sled.   No matter what you call it, things to keep you warm in the winter is always great to find in the stocking and very appreciated on cold days.  There are usually big sales for these at the end of the season and you can usually get them very cheap to put back for next year.
  • Toiletries-My boys love getting combs, body wash, shampoo, deodorant, or cologne.  We normally use as many natural products as we can, but not always. Look in the travel section.  This size is perfect for kid or your husband if he travels often.  If you make your own soaps and products, this would be even more special.
  • Food- This can be fruit, nuts, individual snacks, candy, or gum that you normally do not allow during the year.  My boys like it when I find things in collectible tins.  They get to enjoy the treat and have a container for other things during the year.

image by lisa diconti

  • Ornaments- Our boys get a new ornament each year.  When they leave home, they will have a great collection.  I give this on December 1, but it could be nice in the stocking as well.  I usually try to get an ornament that describes them that year…what they were interested in or a vacation we took.  One way I save money is to look at the sales after Christmas.
  • Socks and Underwear- Yes, they get these in their stocking and they anticipate it every year.  In fact, our oldest was with Daddy shopping this month, and they were going to buy some underwear.  Our son said they shouldn’t buy it because Mommy would have it in the stocking. Everyday things are more enjoyable out of the stocking.
  • Chapstick or lip balm- They love getting chapstick.  It is nice to have that in the winter to protect your lips.  Just check the pockets before you wash their clothes.  It is a mess if it goes through the wash and then the dryer.
  • Flashlight – It is a good idea to keep a small flashlight by your bed and have some spread through the house.  Headlights are a neat idea for a flashlight and also work as a book light.
  • Small Stuffed Animals- Kids love sleeping with stuffed animals or taking them in the car.
  • Travel Games- Neat to play in the car or at home.

Boy Ideas: {For their Warrior Hearts}

  • Tools- My sons love any type of tool they can add to their tool box so they can fix things around the house or help Daddy when needed.
  • Key chains- We are farmers and they like to do everything Daddy does.  Including having a key chain hanging on their pants with a small flashlight.  Most of the keys they have are old ones that nobody knows what door they fit. But it makes them feel like men.
  • Hobby items or wooden craft projects - My sons loves rocks.  Anything that has to do with rocks.  We need a room to house their collection.  Small books, tools, or unique gems are special to them.  They also love to build things.  Lowes and Home Improvement have craft kits for kids on Saturdays.  They are free and you can usually go by and get the kit, even if you do not take your child to the workshop.  Is your child interested in any special hobby?
  • Bouncy balls or small cars- Two of my boys’ favorite things.

Girl Ideas: {For their Feminine Hearts}

  • Mani/Pedi Kit - With things to do your nails on a special night with Mommy.
  • Diary or journal – Girls love to record their thoughts and daydreams.
  • Hair Bows /Hairbrush - We like to be pretty starting at a young age, don’t we?
  • Mini sewing kit, cross stitch kit, knitting, or crocheting items - Bring back some of the lost arts with your little girls.

For Your Husband:

  • CDs or audio books- Is there certain music or artist your husband enjoys?  Are there any books that he would enjoy but cannot find the time to read?
  • Movies or Red Box Codes- Think special movies for a date night or a good western that he enjoys.
  • Manicure Kit – Do they call it that for men?  Tweezers and nail clippers are always needed and always seem to be misplaced.
  • Homemade Coupon Book- Include coupons for helping him do task around the house, date nights, back rubs.  There are lots of possibilities!

I hope this list has helped you think of a few things that could fill the stockings at your house.  If you are curious about how the Christmas stocking tradition came about, you might enjoy reading The Legend of the Christmas Stockings.

What do you put in your stockings?


Mary is a farm girl, wife, and homeschooling mom to two sons. She is passionate about her faith, family, homeschooling, healthy living and tries to find balance in it all, as well as farm life. She blogs at The Encouraging Home where she tries to encourage others in life and to stay focused on the Lord and the things that truly matter, even through stress, chaos, and trials. Connect with her on Facebook and Twitter.

 

 

also shared at simple lives thursday

Fun & Simple Holiday Craft: Homemade Soap Balls

Featured post by Mrs. Henry from the Blessed Hearth

Soap balls are very easy to make and are useful as well as decorative.  They can be packaged in different ways and make lovely frugal gifts!

There are many recipes on the web, but this how we make them.  I usually scent them with lavender oil.

 

 

Soap Balls

  • 1 bar of Yardley, Ivory, or Dove Soap
  • 1 cup of instant oatmeal
  • 1/4 cup of water
  • several drops of your favorite oil (optional)

Chop your oatmeal in a food chopper or processor until flakes are broken down but not into flour.

Using an old grater, grate your bar of soap into slivers.

Place the slivers and water in a large microwavable dish and microwave on high for 2 or 3 minutes. Remove from the microwave and  stir the mixture very well until the soap is dissolved.  Add the oatmeal and oil.


Stir well.  When cool roll into  8-10 tight balls.  Place on wax paper and let sit overnight to set.

They look nice in an old mason jar or vintage soap dishes.

I've also tied them onto a thin rope.

You can add a little ornament (wood stars, hearts, etc)  and piece of homespun if desired.  Blessings!

What simple crafts do you enjoy making during the Christmas season?


Won't you pop over and visit Mrs. Henry at The Blessed Hearth?  Pour yourself a nice hot cup of tea and stay for awhile.  The fire is lit and burning brightly and the candles smell heavenly. Biscuits are in the oven...

 

How to Have a Peaceful Home During the Holidays

 Peace

photo by lanz-wolfe76

The holiday season is a busy one.  Many families spend more money this month than they did all year, shuffle from activity to another, and end up feeling stressed and burned out.

I love Christmas and celebrating Christ's birth, but amidst all the go-go-go of the season I'm already thinking ahead to what I'd like to accomplish in the next year and making mental notes of goals and setting agendas and...  Whew.

How do we really have a peaceful Christmas and New Year?

Here are a few routines we've implemented that help us stay sane in the midst of beautiful chaos:

• Wake up before the children, no matter what, even if it's just for a few minutes.  This means that if they're in the "wake-up-super-early-in-the-morning" season, I'm still getting up before them.  Yes, there was a time when I would wake up at 4:45, just to have an hour to myself before the children (and no, it's not that early anymore!).   I absolutely have to spend time with God in the morning, reading my Bible and spending time in worship/devotion.  It centers me and anchors my spirit for the day.   I'm a mess without that time (and my cup of coffee!).

Keep hospitality simple.  We are to be "given to hospitality" (Romans 12:13) but that doesn't mean it needs to be - or should be - extravagant.  If mama is stressed all day preparing for guests, how is that a witness to her children?  I've found that if I keep the meal simple, prepare most of it in the morning hours, then set it aside in the fridge until it's time to put it in the oven, things go smoothly.  The last hour or so we'll pick up toys, sweep the floor, etc.   If a meal is too much, how about pie and coffee?

It's okay to stay home.  You don't have to accept every invitation that crosses your desk.  I love this post by Lindsey at Passionate Homemaking, "Enjoying the Simplicity of Staying Home."  Read it; it's worth your time!

Stay on top of the laundry.  It's sounds silly, I know, but as the laundry pile grows, so does my stress level.  Or maybe it's the other way around :)   Regardless, I make it a goal to run one load of laundry a day, from start to finish.

Plan to have extra cooked meats and breads in the freezer.  It doesn't need to be much, but knowing there's a few cooked, diced chicken breasts in the freezer eliminates the need for last minute outings to McDonalds, which can certainly be a budget-buster this time of year.  Keep sliced bread in the freezer, too, so you can make a simple sandwich in a pinch.  Just add PB&J and you're set!

Shop online.  Some of you love the crowded stores and Christmas decor in the mall, I know.  I prefer to stay home and shop from the comfort of my vintage (read: old) green chenille-padded swivel chair.  Amazon.com has been my go-to source for finding great sales, and many items ship free if you spend $25 or more.  For example, many Melissa & Doug toys are on sale, which means you can find some quality gifts for about $10-$20 each right now.  (I love this latches board; I was thrilled to see Simple Mom share it recently, too.)  Why would I want to suit up the kids, pack snacks and drinks, lift my 40 lb toddler into his car seat, and go out in 30 degree weather to shop at a store that will likely sell the same gift for more money?  Shopping online works for me.

Don't overspend.  Just don't do it.  Deep down, you'll feel awful, you won't be a good steward, and it doesn't make for a peaceful Christmas or New Year.  If your budget is limited, make homemade gifts or give the gift of food.  My cinnamon raisin walnut bread or maple granola (in a jar tied with Christmas ribbon) would be a nice gift.  I just shared my 10 DIY Christmas Gifts on Keeeper of the Home.  Brandy at the Prudent Homemaker also shares helpful links for frugal gifts --- especially if you are on a zero spending budget this year.  You'll love her ideas, too!

And finally, when you've prepared the best you could, just go with the flow.  Things won't run perfectly, plans will change, and you may forget to run a load of laundry.  Stay focused on the Reason for the Season, because it's truly all about Him, not our schedules, routines, and convenience.  He's the only one that that can truly bring peace to your home and family, regardless of the season!

"For unto us a child is born, unto us a son is given: and the government shall be upon his shoulder: and his name shall be called Wonderful, Counseller, The mighty God, The everlasting Father, The Prince of Peace."  Isaiah 9:6

 

also shared at Homestead Revival
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