Money Saving Mom®

Guest post from Kristi of Klover House

I have talked with so many moms over the past few months, and I can’t believe how often I’ve heard them voicing frustration when it comes to meal planning.

I used to be in that camp, too! With my planners, and whiteboards, and calendars, and cookbooks, and lists everywhere…  I found myself throwing away food way too often, erasing and rewriting my plan over and over again, and abandoning my plans month after month. It left me so frustrated.

We were wasting money, and I was stressing out daily.

Friends, no more.

I am no longer frustrated, stressed or wasteful. This method has saved my sanity and my budget. I am so happy to share it with all of you.

To follow my process, simply…

1. Evaluate what you already have.

I quickly take a peek at three separate areas: the pantry, the refrigerator/freezer, and my baking supply cupboard, that holds our baking powder, soda, corn starch, honey, extracts, coffees, teas, etc.

I go shopping every two weeks. I used to go once a month, but with more children came more trips to the store. I have found that going every pay day makes the best sense for our family.

I use what we still have on hand to inspire and drive the next list of meals. For example, if I have Red Hot, chicken, buns, and leftover fruit salad from the previous day, I’ll plan for buffalo chicken sandwiches and fruit salad on “grocery day”, so I’m able to plan ahead even when the inventory seems impossibly low. Sometimes, we’ll just simply use that day as our “Order Pizza” day to avoid the scramble after a long day of shopping with my four little ones.

2. Draft your two-columned list.

On the lefthand side, I have the day/date. On the righthand side, I have my list of 18-22 meals usually.

I shop every two weeks, typically, so having a few extra options on my list gives me the flexibility to change my mind or roll meals over to the next list. (I save all of my previous lists as inspiration, and I also rely on Pinterest, other bloggers’ recommendations, my favorite cookbook, and a catalog of long standing family-favorite recipes.)

My list always looks like this: 

3. Prepare to grocery shop.

Using my list of possible meals as a guide, I create my grocery list based off of what I already have and what I still need.

I create my list using meals that are versatile and that can compliment one another in the event that there are leftovers. For example, if pork tenderloin and mashed potatoes is an item and fajitas is an item, I will plan to use my leftover tenderloin as my fajita meat that week.

By using leftovers effectively and creatively, my family doesn’t get bored with what I am serving them, and I am almost never wasting food. If I make spaghetti and meatballs, I’ll leave a large portion of meatballs plain to be thrown into wedding soup or stuffed peppers that week.

By planning meals in this way, you are saving time, money, and sanity. Trust me.

4. Keep it consistent and basic.

I keep my list simple. I don’t go into great detail for multiple reasons.

I’ll write chicken and mushrooms. It may end up being a pasta dish paired with roasted cherry tomatoes and a garlic lemon butter sauce, or it could become a marsala dish served over mashed potatoes.

I consistently stock up on fruits and vegetables (many frozen), and I will make a more detailed decision on the dish the day before or the morning of, depending on what I have left and its state of freshness.

I love this system, because it is so easy to take a quick glance and create a plan for each day. If I open my refrigerator and see that the strawberries won’t last much longer, I’ll choose that night for a chicken and strawberry salad with poppyseed dressing. I may even have my husband grill a double batch of chicken and plan to use it later in the week.

Work and plan smarter, not harder.

5. Keep track of meals prepared using the simple number system.

If chicken parmesan is #7, and I am making it on August 12th, I simply write #7 next to August 12th, and I cross it off the list on the righthand side. I know that I am taking a meal to a family on August 5th, and stuffed chicken breasts seems like a good choice for that, so I will make it for us as well.

By coordinating our inventory, likes, budget, and plans, I can easily make a realistic meal plan that spans each two-week timeframe.

6. Include “the usuals” and the special events.

We have a pizza night, an eat out night, and a date night scheduled on each plan. Do we get to have those consistently? Nope. But I plan for them.

I also include any other dinner plans as their own number. We recently held our daughter’s birthday party at dinnertime, so “Isla’s Party” was assigned a number.

Using my list in conjunction with my monthly planner/calendar helps me in making the best possible plan for our family. By using the two-weeks-at-a-time method, I am never overwhelmed, caught-off-guard, or scrambling. Flexibility, accuracy, and simplicity makes this technique ideal for our family.

7. Keep your lists handy.

I save all of my previous lists and keep them handy. You can do this with a binder, an envelope, or simply by tucking them in your cookbook. I also like to take a picture of my lists so that I can reference them quickly on my phone while I’m out or if I lose my paper list.

By keeping all of my previous lists, I am creating a library of meals from which to choose when it comes time to plan for the next two weeks. I never have to think too hard when it comes to meal planning, because I’ve already done the legwork ahead of time.

Again, work smarter not harder, and you’ll be a “Meal Planning Mama” in no time!

If you’d like to see more of my plans, visit us on Instagram @kristi_kloverhouse.

It is my hope that this system helps you to make the most of your budget and your groceries, while giving you the inspiration and freedom to create delicious, healthy and affordable meals for the people you love without frying your brain cells in the process!

Kristi is a former elementary teacher and ministry school graduate turned SAHM mom to four spunky blondies (and one sweet Heaven Baby). She writes about faith, family, food, and occasionally, random diy projects. She is also the owner/designer behind Eden Gray Clothing, using her four daughters and three nieces as the never-ending inspiration behind her dressmaking (and excuse for her undeniable fabric addiction). Babies, budgets, and beautiful things are her passion. Kristi blogs at Klover House.

The following is a guest post by Renee of Tune My Heart Blog

Sometimes I’ll jokingly say to my husband, “when we’re out of debt, I would like to buy __________.”

Then we both say, “womp womp,” because it’s not really a joke. There are a lot of fun, extra, optional things we aren’t buying right now while we pay down student loans.

1. Books, Music, Movies & TV

The hubs and I like all of these things. If we weren’t giving gobs of our money to Auntie Sallie Mae, we’d load up our kindle accounts, buy new music, go to movie theaters, and watch cable.

Right now, however, we use the library or borrow books from family and friends. We listen to music we already own, YouTube channel playlists, google play radio with ads, or free podcasts.

2. Eating Out

We almost never eat out. There is no I’m-too-tired-to-cook-let’s-get-pizza card anymore.

For lazy nights, it’s PB and J, pancakes, rice and beans, or something that requires a similar level of energy. And yes, I said rice and beans. All 3 of my family members love rice and beans. I barely tolerate them.

3. Clothes

My husband and I each have a small amount of “pocket money,” or “blow money” every month. The only new clothes we buy right now come out of this category. Whether it’s a clothing necessity [underwear], or fun purchase [vacation outfit], it always comes out of our individual pocket money.

As someone who used to shop whenever I wanted, this is a big change. The silver lining is that it now feels like a treat (rather than an entitlement) if I do spend my monthly pocket money on a fun clothing item.

4. Random Kid Stuff

Toys, games, puzzles, clothes, whatever. We don’t buy it. Any fun treats for the kids come out of individual pocket money or Swagbucks.

We also have a very small monthly kid budget ($10) that somehow has lasted us through all the kid necessities.

Our kids have very generous friends and relatives who keep them in style and get them fun toys. Plus we love sharing hand-me-downs and toy-swapping with friends.

If the kids do need something boring like new socks, shoes, or undies, the $10 budgeted amount rolls over each month and ends up covering it.

5. Home Improvements

We rent right now, so we are not responsible for the major necessary home fixes (water heaters, air conditioners, plumbing, etc.)

It was really hard for me mathematically to justify “wasting” the money to rent when we could pay the same amount monthly toward ownership. But the thing is, it’s not the same.

Any homeowner will tell you there are always extra expenses to owning a home. The cost of renting is 100% fixed. Not to mention, we didn’t have the 20% down payment so we would have added PMI.

I’m not saying you need to sell your house in order to get out out of debt. Often that’s not a good idea. But trying to buy a home for the first time with a pile of debt can be stressful. Renting has kept our costs and stress minimal. Plus, I put no pressure on myself to decorate or have a nice home.

I love home decorating, but since our current home is relatively short-term, it’s easier for me to not decorate or paint or fix things up. The goal is to get financially free and get out of here, not make it so beautiful that we don’t want to leave. 🙂

These are just 5 of our “off-limits” purchases. I’d love to know what you do to find extra money in your budget!

Renee is a former music teacher turned stay-at-home mom blogger. She loves Jesus,  people & coffee. She writes on Tune My Heart Blog about babies, budgeting, grace and everything in between.

Guest post from Kelly of MrsDisciple.com

At the onset of Crystal Paine’s Make Over Your Morning course, she said her love for morning routines began when she was a child. She has a “lifetime of early mornings,” adding up to an effective, purposeful life.

Once I completed the course, I went back to that statement: a lifetime of early mornings.

I have three kids who are just at the beginning of the rest of their life. I decided to gift them with a lifetime of early mornings by walking them through Make Over Your Morning.

My daughters are 11 and 8, old enough to understand the concepts and young enough to set up a pattern for life.

With the start of school right around the corner, I spent the last few weeks of summer making over my kids’ morning.

Bedtime Routine

We started with the bedtime routine (Day 2). I had them come up with a few adjectives to describe a typical school morning. They used calm (what?! Whose house are they in?), chaotic, and sleepy. They listed 3-4 things they could do at night to address the chaos and the sleepy they deal with most mornings.

I took the opportunity to talk to them about the amount of sleep their growing bodies need each night. According to Dr. Archibald Hart, my girls need 10-11 hours a night. We counted back from their usual wake-up time to determine their ideal bedtime.

Some tasks on their bedtime routine:

• shower and prepare for bed
• pick out clothes
• pack lunches and snacks
• make sure backpacks are packed with everything they need for the next day

Big Rocks

The most impactful part of Crystal’s teaching was the big rocks (Day 3). Most of us have seen the illustration of putting the big rocks in the jar first so you can fit in smaller stones, sand, and water.  The girls grasped the concept and ran with it. They listed out their “big rocks” and rushed ahead to map out their morning routine.

My oldest daughter binge watched the rest of the series by herself after we finished the Day 3 activities!

Big Rocks and Morning Routine

• get dressed and ready for the day
• Bible time
• feed pets
• eat breakfast
• do chores

Goal Setting for Kids

I am a big goal setter myself. I talk about my own goals with my family. Days 5 and 6 gave the girls an opportunity to set a few goals for the school year.

Claire wants to turn in all of her homework on time and read 100 books. Sarah Kate wants to complete school assignments on time and learn her multiplication facts by Christmas.

I helped them break these goals down into small action steps like putting homework in the appropriate folder each afternoon and reviewing flashcards 3 times a week. They recorded their goals in a special notebook. Writing down goals is key to reaching them.

It is also important to review their goals regularly to monitor progress and make any necessary adjustments.

The Best Part

When we finished, I asked the girls to tell me their favorite part of Make Over Your Mornings.

Claire, age 11, loved setting goals. She is a dreamer, driven to achieve everything she sets her mind to do. She is a little resistant to the idea of routine as any free-spirit would be. She did enjoy finding an app to help track her bedtime and morning routines.

Sarah Kate enjoyed writing out her schedule. She is a list-maker like me. She spent a long time perfecting her list, getting it in order, and printing it on pretty paper. She found a small notebook for her daily to-do list. Even during the lazy days of summer, she already follows her bedtime and morning routine.

As the mama, my favorite part is the possibility I see in them. Claire is so goal-driven; I have no doubt she will embrace a routine in order to reach her goals. And seeing my sweet Sarah rising early to read her Bible warms my heart.

I look forward to the next few weeks as I see them start their lifetime of early mornings!

Kelly Smith, blogger at MrsDisciple.com, is a small town girl who married a small town man 17 years ago.  She has three energetic blessings, ages 1 to 11. Her favorite indulgences are coffee, reading, writing, and running.  Kelly believes we are created for community and loves to connect with others.