Passionate Penny Pincher shows you How to Keep Your Flower Beds Weed-Free (for free!). Have any of you done this before?
A testimony from Sue who blogs at SueSundstrom.com
About 2 years ago, while I was working full time, my husband and I decided to put aside a regular portion of my salary toward a savings fund. Although it was tempting to spend the money, we knew it was a responsible and right thing to do to make sure we had a good sized ‘emergency fund’ in place.
So a few months into 2013, we set aside £1,000 (about $1,560) every month into this savings fund. By the end of the year, we’d done it! We had £10,000 in the fund.
In 2014, after finishing my work contract, I found myself thinking about something I’d wanted to do for years – to become a coach, as I have a passion for helping people. I found a very comprehensive course, which involved a fairly large investment of both money and time, but would enable me to become a qualified transformational coach.
If it weren’t for the savings that we had built up, I would not have been able to take that course, and probably wouldn’t be a coach today!
We paid cash for the course and I started it in August 2014, completing it end of January this year.
We achieved our goal by doing a number of things:
– We set a specific goal to have £10,000 (about $15,600) in our emergency fund by the end of the year, and tracking our progress kept me motivated.
– We set up a direct debit so transferred the money straight into a separate savings account as soon as my salary had been paid. This was crucial – if the money was left in our current account, we would have found something to spend it on!
– I did weekly meal planning and bought only the groceries we needed for that week. It reduced the habit of buying things just because they caught my attention – that would result in spending more than I intended. I would buy only the items on the grocery list created for the week’s meals. Also I often ordered groceries online, and this reduced impulse buying.
– During that year I read very few magazines, kept no catalogues in my home and barely ever went window shopping. Magazines have many adverts and images in them that cause us to ‘aspire’ to get more. Same with catalogues. Window shopping makes you aware of all the items on offer and makes you want things you don’t need! I am a person who gets drawn by ‘shiny’, new things, so curbing those distractions by not feeding myself with them via magazines and catalogues really helped me stay on track.
– I read blogs and books on personal finance which inspired me to keep saving rather than spending. Goals help me to keep going when the initial excitement of something wears off and the going gets tough.
It felt so good at the end of that year to know that we’d achieved our goal!
Sue Sundstrom is a coach for women who want more out of life. She is on a mission to help women achieve their goals and live a life of significance, all whilst enjoying a sense of adventure and fun! She can be found blogging on parenting, family fun, productivity and goal setting at SueSundstrom.com.
Have you saved up and paid cash for something — large or small? Submit your story for possible publication here.
Frugally Blonde has a great list of 20 Snack Ideas that cost less than $0.25 each. What are YOUR favorite low-cost snacks?
Sarah from Capitally Frugal has put together a very comprehensive list of Military and Memorial Day Freebies and Discounts for 2015.
Woah! This article on Becoming Minimalist was pretty astounding.
Here’s a snippet:
Today, increasing data is being collected about our homes, our shopping habits, and our spending. The research is confirming our observation: we own too much stuff. And it is robbing us of life.
Here are 21 surprising statistics about our clutter that help us understand how big of a problem our accumulation has actually become.
1. There are 300,000 items in the average American home (LA Times).
2. The average size of the American home has nearly tripled in size over the past 50 years (NPR).
3. And still, 1 out of every 10 Americans rent offsite storage—the fastest growing segment of the commercial real estate industry over the past four decades. (New York Times Magazine).
You’ve got to go read the rest of the 21 Stats on Clutter over here.
Thanks to Amy for the link to this article!
This is the weekly list of Free Homeschool Curriculum and Resources compiled by Jamerrill from FreeHomeschoolDeals.com. If you aren’t a homeschooler, but you’re a parent, teacher, babysitter, or nanny, you’ll probably find at least a few useful freebies in this list. You may also want to go through the Educational Deals and Freebies from earlier this week for more.
We have lots of great resources this week for everyone from preK to high school. If you need a break from teaching check out one of these Top 14 FREE Educational Websites for Kids . Then you can get out in the sunshine with one of our nature resources below that involve gardening and nature studies.
Brown Bear is a favorite book for most preschoolers. Don’t miss these Free Brown Bear Playdough Mats.
If your little guy loves TMNT, here is a FREE Teenage Mutant Ninja Turtles PreK Pack.
Geography and History
This FREE Continents and Ocean Pack is an excellent resource if you are studying world geography.
Unit studies more your thing? Try this FREE Green Mountain Boys Mini Unit Study .
Themed Learning Packs
Themed learning packs are so much fun! Choose one or do them all:
- FREE Garden Party Learning Pack
- FREE Preschool Baseball Pack
- FREE Ice Cream Themed Coloring Sheets
- FREE Huge List of Dinosaur Printables
Language Arts Resources
This FREE Spring Chicks Language Arts Pack is so cute and a great learning resource, too!
Use this FREE Hamburger Essay Outline to teach your child to write.
Here or hear? Your child can learn what word to use with this FREE Homophone Spelling Charts.
These FREE Superhero Readers will encourage your child to read.
This FREE BUG SORTING EVEN & ODD PACK has a fun theme and teaches math concepts, too!
I am ready for summer! These FREE Math Practice with Lemonade Stand Printables are a summer fresh way to practice math word problems.
Nature, Gardening and Science
Spring, nature, gardening, bring it on! Even if school has to continue, you can try one (or a few) of the free nature themed resources below.
Start with a FREE Plan Your Garden 4 Day Mini-Unit that is great for all ages!
Choose a new outdoor topic to learn about with this FREE Nature Study pack.
Learn the butterfly life cycle with FREE Butterfly Life Cycle Lessons.
Focus on animal classification with a FREE Animal Classification Lapbook.
Finally, you don’t have to head to the sea to study sea creatures. Use these FREE Sea Animal Nature Study Ideas instead.
Click here thousands of homeschool freebies!
*Don’t forget! If you are looking for additional free homeschool resources please check the huge growing list of free homeschool curriculum and resources on MoneySavingMom.com!
Jamerrill is the homeschooling mother of a large and growing family. After seasons of spending $50 or less annually to homeschool her children, she started Free Homeschool Deals in 2012 to help all families afford the homeschool life. You can follow the homeschool goodness on Pinterest and Facebook.