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My family is now not just one percent poor side, but my parents are poor now too. I have always lived frugally, but now my mom has returned to frugal living just to survive, and I am reteaching her what she has forgotten, and the new frugal sources as well as the old ones.
We go to the thrift stores together now, and I am teaching her how to appreciate and shop thrift stores. Dakota Boys and Girls Ranch is an excellent place to get new overflow from Target at cheaper than store price. Clothes for children can be had at a good cheap price and a third of the price too. The clothes we look for are Target brand, and new tag clothes. Instead of $25 jeans, it is $4 for the same jeans that are name brand.
I get a couple for my children, and my one niece whom I now raise. My brother whom is my niece's father has custody, and he told me to help raise his daughter, and the only way I know how to is frugally by sewing dresses made of yellow and pink. I get to crocheting too, as my source for mitts and scarfs for all my children is yarn from thrift stores.
My other past time is coupon clipping which my sons do with better accuracy than me. I passed that gene onto my children. We have a garden for our veggies, and seeds come cheaply from dollar stores in my area. I raise my children to be respectful and honest when it comes to living frugally. One doesn't have to cheat the system to do it.
Our rent is rent controlled by an understanding landlord, otherwise our rent would be a hardship on our family. We live in a two-income, limited budget of $1400 combined. We each get about $700 a month. This is the last year for rent return from the state, as they will not be doing it next year, so our rent return will be saved for clothes that are not thrift store buyable, or sewable.
Shoes are bought at a Payless Shoe store two times a year. One for winter, and one for the rest of the year. Shoes are a spendy adventure for a family of 14 that includes one niece, two adults, and eleven children. All of various ages. Hand-me-downs, thrift stores, and occasional garage sales help, but mostly hand-me-down clothes.
For furniture we go to the thrift store again. I also shop for dollar store bean bag chairs for my teen son and daughter. I love the fact that people donate Snoopy and Winnie the Pooh stuff. They sell them cheaply at rummage sales too, but I guess one person's clutter is our family's gain.
I shop at Family Dollar, and Dollar Tree in Dilworth and PR for groceries and personal items for my family. I stopped shopping at regular grocery stores long ago. I make my own cleaning supplies out of items like baking soda and vinegar. I have not spent one penny on bleach or 409 in years. I clean my windows with vinegar and lemons with water as a solvent. It works well.
My family is happy and we do not feel deprived one bit. Teach them young not to want name brand and you get frugal adults. That is what I always was taught and personally have been quoted by friends and family. My children have excellent imaginations, because I raised them to know that money can't buy you happiness or fun, if what you pay for isn't what you call fun. Living frugal has always been my way.
My grandma taught me to sew, knit, crochet, and cook from scratch. My mom taught me to clean without spending money that was not around with no job, and my grandpa taught me to fish which is what we eat fresh caught all summer long. My dad taught me car maintenance, so paying for oil changes never happened in our family which is what I teach my children, and DH was raised the same way I was raised frugally, so we teach that to our children. This is how we live frugally.
By Tanya J. from MN
I love, love, love your post and your ideas. You are very wise and thrifty.
I would like to add that as I grow older I find that a good brand of shoes lasts longer. I no longer buy my shoes at Payless because I find they make my back, hips, and legs hurt. I buy my shoes online from Easy Spirit Outlet. The shoes have cushioning inside that makes me feel like I'm "gelling."
The other thought I had is that I can't see how its more frugal to make your own cleaner products. I have just started buying mine at Dollar Tree. That store sells many name brand products. Washing soda and white vinegar are both pretty expensive. So I can't see how they save money. Although they might save the environment. I prefer to USE LESS of good products. My father used to add water to them, but I only measure them for use. Be careful with laundry products because the caps usually have a lot of lines inside. Use the very lowest line.
Good luck and keep up the good work of teaching others. I like using coupons, too.
As odd as it may seem, just the act of writing down a budget can have an adverse or possibly even reverse affect on your attempt to save money. Have you ever decided to go on a diet and immediately began craving something sweet? Or, have you made a personal commitment to reduce your shopping adventures only to suddenly find some really good, seemingly irresistible bargains? A written budget can affect you in the same way. Once you write down your reduced spending plan, you may begin to feel a sense of deprivation that can lead to rebellion.
Possibly, the key to living on less without feeling deprived or rebelling against budget restraints, is to refrain from actually writing down a budget. Instead, focus on making simple, subtle lifestyle changes that will save you money so indiscreetly that you won't even notice you're living on a tighter budget. Strive to replace expensive habits and activities with new, less expensive or possibly free options and activities.
One of the first things people are encouraged to cut from their budget is regular visits to a coffee shop. Reducing your daily coffee shop adventures to once a week or once a month is a good starting point. The way you fill the void on the days you don't stop by for morning coffee is a key factor in how determining how dedicated you remain to your commitment to change. You could replace your regular visit to the coffee shop with an invigorating walk or an indoor exercise routine You could spend that extra time with your spouse, children or pet. You could even enjoy the luxury of sleeping a little later on the mornings you don't plan to stop for coffee.. This method of change can be applied to numerous other habits that, if broken, could be helpful in reducing your monthly expenses.
Eating out is expensive. A lifestyle change in this area can certainly ease a strained budget. Experiment with new recipes at home, make meal preparation a family event, decorate your table to make meal time special, or do whatever you can to make meals interesting at home. Develop frugal grocery shopping skills to further reduce your expenses. Instead of dining at a restaurant, enjoy a picnic at a park or possibly in your backyard. Make bag lunches and meals at home part of your regular lifestyle and eating out an infrequent treat.
If you frequently find yourself wandering through the mall in your spare time, change your routine. Instead, go on a nature walk. There is no temptation to spend money while walking in nature like there is when passing by store displays in a mall. If you are a spontaneous buyer, changing that habit alone will have a positive affect on your budget. Become a more patient shopper who waits for bargains and is not lured into spending by eye catching store displays.
Chances are, you will spend less if you pay cash for your purchases. You can develop a savings plan by never paying with exact change. At the end of the day, put your extra change in a "reward jar" Loose change adds up more quickly than you would think.
When choosing entertainment options, look for local events that are free or inexpensive. Concerts in the park, art exhibits, and free education classes could open up new doors of interests for you and your family. When you read about or hear other people discussing money saving changes they've made, take time to see if those changes could be a benefit to you. If you pick up on ideas as time goes by and implement small changes, the end result will make a large impact on your overall budget.
Something as simple as clearing clutter from your home and developing good organizational skills can save you money. You won't find yourself buying duplicate items simply because something got misplaced among the chaos. Make a conscious effort to learn the art of reusing, reinventing, and re-purposing items to reduce spending and avoid adding unnecessary stuff to your home and your life. "Stuff" is often a budget buster that can be avoided.
By VeronicaHB from Asheboro, NC
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I disagree with the words budget=dangerous. We as a family have started a financial plan by a Christian (that's all I'll say about that) and while it's completely foreign to what we've done in the past 14 years, it's also a HUGE eye opener. We both were taught different ways, me SAVE and frugal, him SPEND & credit cards. Both clashed and have gotten us into trouble. We HAD nothing in savings, sometimes our 10 year old had more in the bank!
Little thinking is done when you swipe a card, a LOT is done with you use cash, the money is FINITE when you use cash, INfinite with a card (debit or credit). We can't use cash for our electronic bills but I've used for groceries, our eating out money and we each have a PLAY amount. Right now we are better off then we have been at other times (my husband is in the construction industry in CA) but we'll keep up the PLAY amount (it's a minimal 10 a wk) so that we don't feel deprived and less likely to stray. Some months 100 would be gone out of my husband's account just on fast food (that he's not supposed to be eating). It adds up quick, when you have cash, you know when it's gone. I'll probably end up making money as I don't eat out often and a $20 Starbucks card from Nov of last year, just got used up in May of this year!
As with a diet (which is a stupid word, it equals negative, call it a lifestyle change to make you healthier) you can't take it all away. Pay yourself first, then go down your list of bills, pay the min. on all, bang out the smallest debt first, put all "found" money (garage sales, bonus) towards the debts and you'll be good. But never deprive, because when you do, you will end up breaking, we are human, it happens.
When life gives you things you can not handle, just remember you have to have bad to remember the good times. So when things get hard, just let it make you stronger. God will not give you something you can not handle. I call it a test of faith.
By Kathleen from Lithia Springs GA
The hardtimes? I've always called them the "speed bumps" in life. The phrase always seemed appropriate!
There's no quick fix for the economy, and jobs are disappearing daily. Even seemingly secure jobs are causing some people to look at their futures with a budget cutting scissors in hand.
It took me several years, but I finally figured out how to manage my families finances so we never worry about the bills.
This is a guide about stretching my meager dollars. Finding creative ways to make your money go farther can be a real challenge.
In an effort to stay as much on a budget as possible and track my spending I have finally found an easier way. I keep my check book in my purse and use is to record my deposits and withdrawals, of course, but I also keep a small ledger in my purse.
I remember the morning when I watched the stock prices scroll across the bottom of the TV screen while I was watching the weather forecast. It was 5 AM, and I wondered if I was watching history happen; every stock was preceded by a red arrow that noted a drop in its value.
Ask a QuestionHere are the questions asked by community members. Read on to see the answers provided by the ThriftyFun community or ask a new question.
How do I live off of $750.00 a month? How do I budget this amount of money each month? I live in section 8 housing and my rent is 191.00 a month, but I have car insurance and car expenses. What should I save from this low amount of money
You are the only one that can figure out what things you can save on. Could you do without a car and ride buses or take cabs. I haven't had a car since 1997, I take cabs when I have to go someplace, but I really limit how often I go anyplace. I live off $700.00 a month. I am 74 years old.
I have renter's insurance, pay electricity, phone, internet. Cable is included in my rent. I am also on Section 8 housing and I pay $210.00 a month rent, and I get $170.00 a month in food stamps. Medicare Part D pays most of my prescription meds. I don't buy any magazines or things like that. I do spend a fair amount on scrapbooking supplies and genealogy, those are my major recreational expenses.
For all of you very frugal TF readers out there, I have a big dilemma. I am trying to help someone out with and was wondering if you could guide me. Is it possible to live on $1000 per month with a mortgage payment of $800 a month which includes the taxes? I am asking for a family of two, a parent and a 22 yr. old college student. The student's schooling costs are covered and he works part time for his expenses. The location is upstate NY which I mention because I know cost of living varies. Of course in this location there will be heating costs in the winter, but I know there is assistance available for that. Thank you for any advice you can give.
If you are willing to move, try contacting USDA-RHS (rural housing service). It is for low-income families. I pay $155.00 for a 3-bedroom, 1500-sq ft. house in a town just 8 miles from a big city. House payment is based on income & house taxes are paid at the end of the year.
Another cost that can be reduced greatly is by going to their local food banks for assistance. They should call first to find out the hours they are open and what sort of ID and proof of address, if any, are required. Where I live you must bring a recent utility bill and a state ID that shows the same address. The hours open are limited.
Hello, I am the mother of three teenagers, well one of them is only twelve, but my oldest, at only 16 is 6'5 and 230 lbs, and his dad is just as big. My problem is, although we both work, we have a very tight food budget, and I just can't seem to make it to the next payday with our food supplies. I want to cook healthy, I do frozen burritos from time to time, but that just doesn't do it. Any ideas how I can better stretch our food budget while not feeding them junk?
Tina, do you have an Aldi store nearby? You have to bag your food there and it is unfancy, but you can get so much there for your money. They have a new health food line also. I have two teenage boys and just shopping there has cut my food bill tremendously. Good luck to you!
I shop at Costco for bread, meat, milk, eggs and cheese. Super Walmart for most other things. I think one of my biggest money savers is serving smaller portions of meat. I am able to use less by cooking casseroles, rollups, etc. I also shop alot of the BOGOs and try to use coupons for those items. I am a stay at home mom with 4 children and my 14 year old is 6feet and 180 and does not seem to have finished his growth spurt yet so I have to really get alot of food for as little money as possible. Also, water or milk is all we have to drink at meals. I've heard that Aldi's is a great place to shop too.
Cook from scratch! Buy whole chickens on sale, bags of potatoes, fresh fruit on sale and in season. Avoid buying soda and junk food-empty calories devoid of nutrition. If your kids want them, let them spend their own money on them. Serve oatmeal or eggs for breakfast, rather than expensive cold cereal. Mix regular milk with powdered milk, diluted. If you serve it cold and don't tell them, they'll never know! Find bakery and grocery outlets in your area. Avoid frozen entrees and vegies in sauces. Buy frozen vegies plain and season as you like. Fruit is a fine dessert. Make baked apples. Make soup from scratch in a huge batch and freeze some of it. Serve with fresh bread, rolls or homemade muffins and that's a meal. Think ahead, be flexible enough when you shop to buy any bargain/sale things you see IF and only IF you can use it. It isn't a bargain if you can't use it or it will spoil!
Look for a scratch and dent store. Lots of bargins there, for instance bottled liter water for 39¢, veggies 5/$1. A dented can doesn't matter unless there is rust. Also, the dollar stores and flea markets are other sources.
I make lots of healthy casseroles with recipies I get online. Try Weight Watchers, and any of the magazine sites.
one of my all time fav's is beef and noodles or chicken and noodles. i usually cut a roast in half for beef and noodles add a couple of pakages of frozen noodles and make homemade mashed potatoes with chicken and noodles it only take 2 or 3 pieces of chicken . my son could match his dad in eating as a teenager so i learned to make cheap meals that would go far and were filling. also porcupine meatballs are good too just take some hamburger and add instant rice(uncooked)roll into meatballs place in pan add 1 can tomatoe juice and cook till brown once again we usually had homemade mashed potatoes to the meal because they are cheap to make and filling
There is a website and email group called Frozen Assets that's about cooking more than you need for a meal and putting the extra in the freezer. Then you can buy in bulk and save a lot of money. Many on the list cook just once or twice a month. I don't do that, but the ideas are really good and they list meals that freeze really well. It works even if you have just the freezer on the top of your fridge.
The biggest money saver in my opinion is planning ahead. Make a menu of healthy meals made with fresh unprocessed inexpensive foods before you go to the store. The once a month cooking ideas are great. Make homemade meatballs, use 2-3 lbs of hamburger +/or sausage and freeze what you don't use. Find spaghetti sauce on sale. This is a quick inexpensive meal.
I check the local store flyers and make a list as to what are the best deals where, and I buy all of my staples at the Aldi's store nearby. They are very cheap (ex: canned soups are like 39 cents, their ground beef is @ $1.89/lb). Go to aldis.com to see if there is a store in your area.
I also try to make a weekly menu before I go shopping, as this cuts out on having to make a store run for missing ingredients, or ordering out.
All the above Ideas are terrific. Here is My check list.
1. Make Pantry and Freezer Inventory
2. Make Fridge Inventory
3 Put magnetic Shopping list on fridge so when we are out of Item I can see to replenish
4. Stock up your pantries when stuff is on sale. My Local Shaws has 10 for $10.00 Items in every Flier.. I use this combined with the $5.00 and $10.00 Cupons they send me for each week of the month(Got this by going on their website and signing up for the rewards card) and Other coupns. I managed to stock up on at least 10 of each of my pantry staples in the last month alone while the entire grocery list was at least half the regular register price.
5. Clip Cupons
6. Get a good Recipe software program. Mine stores my recipes, Has a grocery list with prices that I update once a month, and makes a meal plan.
7. DO NOT BRING KIDS TO THE GROCERY STORE.(Grin I have found ways to get a stitter on grocery day, Even if you have to pay the sitter its usually cheaper than the guilt of saying no to the lil ones gimmes)
I hope this helps!
Acquiring meat is the main sore in my budget. I have a cow sitting outside that is waiting to go to the abatoir's and in the meantime, my freezer is quite low and boring. The fact that I have to now buy meat, literally doubles my grocery bill. Ugh! I find that scavenging the flyers after the holidays will net you some good deals. I just found a whole shank of pork for $1/lb. I bought a 22lb. chunk and cooked it up and divided it into meal portions and froze it, then went back to the store and got another one! I've been thinking of buying a whole pig from the butcher, but he charges $2.10/lb. This certainly was a better deal and if the budget could have stood it, I would have bought 4 of them and had a whole pig practically for $1/lb.!
Noodles, and rice! Potatoes are always cheap!...my kids are happy with a bologna sandwich and soup...I usually have one night a week where I prepare a really nice dinner and one or two nights I take the easy route with soup and sandwiches or spaghetti. I shop the stores for the loss leaders on the front page and my girls have an understanding that if we stick to shopping just from the list, on the way home we can stop by the dollar store and they can each pick out one thing. There are also coupon sites online where you can print your own coupons.
Try speaking with some older women who survived the rationings during WWII. They had to feed their large families on what they had alone and grew their own vegetables, as well as stretched meals by putting chili over rice/pasta, etc.
Learn to make your own soups,pancakes,mashed potatoes, hamburger helpers from scratch,delute dishwashing soaps,shampoo, and try not to use too many already prepared foods. Stock up on vegetables and fruits. Make casseroles using less meat than giving a portioned piece to each person. Drink a glass of water before meals and leave the table when the meal is over. Eat only when you are hungry.
If you have a yard, try planting a vegetable garden during the growing season. I grow tomatoes, peas, beans, corn, and cucumbers in a pretty small garden space. The tomatoes are canned into spagetti sauce, chili seasoning, salsa, etc, the cucumbers are made into pickles, and all the rest are frozen. Never have to buy vegetables at the store, unless it is something that I need that I didn't grow that year. If you have only a little space, tomatoes and cucumbers can be grown successfully in pots, and still produce a large crop, if you water and fertilze them regularly. Gardening can be done frugally, without having to spend a lot on supplies. Do a Google search on "frugal vegetable gardening" for tips.
Lately I've been walking through the past when it comes to feeding my family. I remember there were NO cookies and chips in our house most of the time. If you wanted a snack, you ate bread and butter, or an apple, or a carrot. If you wanted more food at the table, you could have a reasonable sized secong helping, but then, if you wanted more meat, you also had to take more vegetables, too, so we didn't end up with a bunch of vegetables to throw out and everyone arguing over who gets the last piece of meatloaf.
I can't afford store-bought cookies now so I bake once or twice a week. I make brownie-bites in mini-muffin papers. When I made them without papers, 5 dozen would disappear in hours. My family sticks to two or three when they have to work to eat them. Then they are a snack, not a meal! I also bake 5 dozen cookies at a time using a cake mix on sale (usually for $1 or so.
We're also a family that doesn't really care to use food as entertainment. By that, I mean, since I don't like to cook and we all like different things, I don't try to make "new and exciting" meals. I rotate pretty much the same meals throughout the month. Burgers one night, spaghetti another, shepherd's pie another, etc. Next week it begins again. I change the menu more due to season than desire because what's on sale changes with the seasons.
We should remember that people in other countries live on a couple of cups of rice and mostly fruit and veggies with a little meat or dairy. The USDA daily requirements are bloated and untrue (I used to work for them...) and no one needs as much food as they say.
Tina: Use more beans and eggs. Since protein in the form of meat is the most expensive part of most food budgets, you can do yourself a huge favor by adding one or two no-meat or less-meat meals per week. Some ideas would be "breakfast for dinner" which is what we have when the pantry is bare. I make omelets with leftover ham and cheese, serve with whole-grain toast and fruit salad or fruit cocktail. You can add a good helping of beans to casseroles or chili or taco meat. Or even serve "rice & beans" by itself (use google to find a good recipe) or make soup using pasta and beans. Canned beans are cheap and good, and if you have the time, using dried beans is even cheaper! (Peanut butter is also a good source of cheap protein.)
Everyone has great ideas! Another thing is that for meat, try to buy the Jenny-O ground turkey and chicken. You can get 1 pound tubes of it in the freezer section of the store, and depending on the store, it's only $1.29 - 1.59. I stock up on these for chili, pasta, burgers, casseroles, you name it. If you really like the texture of beef, you can try to buy it in bulk when it goes on a good sale, split it into several small packs, and then mix a pack of that with the ground turkey. We've also found in my house that whole wheat pasta, while a little more expensive, goes much farther than regular pasta. It makes you feel fuller with a smaller helping, and is quite a bit healthier than plain pasta since it is 'good carbs' that don't burn off as quickly.
I think that the best ideas are to make a menu. I have a template that I print out and write in the meals then on a separate paper, I write what I'll need to get for those meals. I divide the list of items into categories such as "meat", "dairy", "canned goods", "vegetables", etc.. This really helps when I navigate the stores. Also, someone mentioned going to a "dent" store. DO. Go there FIRST. Pick up everything you can get there (they don't always have everything) and I find they're the perfect place to buy not only canned goods but cereal, snacks and cheese. Then go to your grocery store and buy the remainder of your items. Also, when I buy meat, such as a roast, I always buy a large one, cut it in half and put one half in the freezer. If you make a regular flavored roast, use the leftovers to make BBQ beef sandwiches. I put the leftover meat in my crockpot, some "dent store" BBQ sauce and let it simmer on all day. Or do the same thing and make shredded beef tacos - except add some beef broth, onions, cumin, garlic, oregano and maybe some chili powder. Try buying boneless pork and put that in the crockpot with a can of green salsa, onion and a cup of chicken broth. Serve it over rice with some tortillas on the side. YUM! A couple of times a month I make a quiche. This enables me to use odds and ends of fresh veggies, ends of cheese, small bits of meat and use them up. On homemade pizzas I use my homemade meat sauce and then pile the pizza high with cheese and veggies instead of costly meat. Hope this helps! Good luck. This is pretty easy stuff. And I found that putting it into practice was easier than I imagined.
Go to http://www.ange … dministries.com. Perhaps you can find a host church close by. This organization sells boxes of food for $25 each month. The Feb. menu looks great. Hope this helps
I like many other people are struggling financially. but unlike many others I have been in this boat for well over 5 years. I pay for my own health insurance. I own my car and condo outright. But I am living paycheck to paycheck hoping the next check will be enough and it never is. I keep having to borrow from my savings account. My good friend is helping me with telling me which bills to pay and when as I don't have the organizational ability to do that.
She has been doing that for 2 years and I haven't learned anything from her about how to do it myself. I don't go to movies, beauty salons, or other fun things. I see many people on relief and assistance and they have such nice clothing, have their hair done and here I am living honestly on only the money I earn and money a friend will give me every now and again. I can't get by and am having a really hard time. What else can I do?
Sandy from Baltimore, MD
How can I feed and clean a family of 5 for $200 biweekly?
Laurie from Belle River, Ontario
How is it that I am only making $1185.00 per month, for I am on disability and I always come up short? I have done everything I can think of to budget my money to make it possible to have a few dollars to put aside for an emergency.
By Lesa from Houston, TX
I am looking for tips for senior citizens who live on limited income.
How can I buy a nice TV on a very tight budget?
Deb from Terre Haute