Money Saving Mom®

The following is a guest post from a reader who asked to remain anonymous. If you missed part 1, be sure to read it here.

When someone you love has a tight budget, it can be hard to know the best way to help lighten the load or otherwise bless them — especially if you’ve never been there.

Here are some tips to help you understand how you can help:

Don’t (Just) Offer To Help Out

Like many people with limited finances, if you ask me if I need help, I’ll usually say “no.” We can almost always make ends meet. Accepting help can be humbling, and I just don’t want to be that kind of person that has to always be on the receiving end; I’d much rather give.

However, if you don’t actually ask or offer  — but simply help us out with a gas card or whatever, it can be a huge blessing!

The other side of this idea is that if you do offer, please actually follow through.

For most of my adult life, I’ve lived at a significant distance from family, and just traveling in to be with them for a holiday is often hard to swing.

One year, things were particularly tight, and my dad offered to pay for our gas if we came in. We came, but he never delivered. I never asked, and we spent the next couple of months barely scraping by.

Get Others To Pitch In

I really love to give and entertain and play hostess, but it’s really hard when money is tight. When I was single, my apartment was kind of the hub for my group of friends. As a result, I’d often end up buying and preparing the food when we’d get together.

While I enjoyed doing this, it was really hard on my very limited budget.

One time, I actually mentioned in an e-mail that it would be great if everyone would pitch in a few bucks. Many of my friends lived with their parents and made far more than I did, so I knew they could afford to help with food. When the evening came, I desperately hoped someone would remind everyone about pitching in, but no one did.

Carefully Consider Gifts

It can be awkward to receive certain kinds of gifts when money is tight.

First, there’s the gift that requires you to buy things in order to use it. Toys with batteries are infamous for this, but I’ve received other money-pit gifts, as well. One example was a tart warmer that required me to purchase tarts to use it. I’ve also received accessories like necklaces or scarves that I had no outfit to match.

Next, there’s the frivolous, extravagant gift that just doesn’t seem to make sense when I live so paycheck-to-paycheck. I’d much rather receive something I can use or a small gift, along with a gift card, so I can buy that thing I’ve been eying at the store.

Even $10 or $20 to spend on me can be so much fun when you rarely have extra spending money! I also love it when people ask if I have a “wish list.” (I keep one up on Amazon.com for use when I earn gift cards from Swagbucks, Plink, or Viewpoints.)

Third, there’s the generous, anonymous gift. If you really want to spoil me, I may feel bad about your generosity because I can’t begin to return the favor. That’s when an anonymous gift can be the best gift of all. You can hear me telling everyone about how wonderful it was and secretly know that it was from you!

The author is a freezer-cooking, baby-wearing, stay-at-home mama who does freelance writing while her 3 young kiddos nap. She’s married to a wonderful man who’s the pastor of a small country church and prefers to remain anonymous due to the content of this post.

photo source

The following is a guest post from a reader who asked to remain anonymous

Growing up, my family vacationed in 5-star hotels and spent more at a single meal in a gourmet restaurant than my husband and I currently spend on groceries for an entire month!

Needless to say, the disparity between my financial situation and that of others in my family has led to some pretty awkward situations. While my own struggle with contentment is something I need to put in perspective, I’m pretty sure my family would do some things differently if they understood.

If someone you love has far less income than you, or is simply in a financial slump, they’d probably like for you to understand these concepts, too.

Remember that I Need To Plan Ahead

What seems like no biggie to you may be huge to me.

Let me give you an example: One year, my parents, siblings, and our families were together for a rare long weekend. Someone suggested that every family unit could pay for a couple meals throughout our visit. Sounds fair, right?

The problem was that my family rarely eats out on our own, especially at sit-down restaurants. And even when we do, we plan ahead, have coupons in tow, and usually drink water. We simply could not afford to foot the bill for 8 adults, plus children.

The situation was awkward, to say the least! Others footed the bills, and we felt like absolute heels. However, we simply couldn’t justify dipping into our meager savings or going into debt over a family get-together.

Let Me Serve You, My Way

The next time a family gathering was planned, I suggested (plenty of time ahead) that each of our families take care of two meals, however we wanted to do it.

For our part, my husband and I cooked up a pretty impressive breakfast — if I do say so myself! I was able to make room in our budget and pair coupons and store deals to purchase the needed groceries ahead of time. I also used some Crystal’s freezer cooking strategies to reduce my time in the kitchen that week!

Everyone was impressed, and I was glad to be able to do my part. Some of the others did take everyone out to a favorite restaurant, and that was okay, too.

Realize What I Can (& Can’t) Give

Even if I realize that I make one tenth of what some others make, giving them a $10 gift when they give me a $100 one feels crummy. Seeing my kids receive more gifts from extended family than they do from me is difficult, too.

My one sister was out-giving me with my kids at Christmas — in a big way. I told her how I felt, and that I wanted my kids to receive more from their parents than extended family. She completely understood but didn’t want to spend less on my kids than she did her other nieces and nephews.

She now gets my kids each a gift (usually after asking me for ideas, first), and then buys them savings bonds with the remainder of what she wants to spend.

Know that Conversations Can Easily Exclude or Embarrass Me

I’ll try to be excited for you when you tell me about your home renovation or trip to Bermuda, but I just won’t have much to contribute to the conversation. I don’t want you to feel like you can’t share your exciting news with me, but please realize that if everyone else is spending a lot of time talking about things I don’t have or can’t do, I’m going to feel left out.

I’m not trying to be antisocial, but I’m pretty sure that saying “My husband glued down the part of the Formica countertop that keeps popping up,” wouldn’t quite fit in.

And then there’s Christmas.

In our own home, we try not to make Christmas about the gifts or money, but when you tell me what you gave your kids and ask me what I got mine, it’s hard for me not to feel like a bad mom. It’s also a little embarrassing when people ask my kids what they “got for Christmas.”

I do try to make our celebrations enjoyable, though, so I’d much prefer that we be asked what our favorite part of Christmas was, or something like that.

At the end of the day, I don’t want to be seen as “the poor one” or pitied for my (current) lot in life. I just want to be loved and appreciated and included in the festivities.

The author is a freezer-cooking , baby-wearing, stay-at-home mama who does some freelance writing while her 3 young kiddos nap. She’s married to a wonderful man who’s the pastor of a small country church and prefers to remain anonymous due to the content of this post.

photo source

Testimonial from Krissy:

After purchasing a house in August of 2013, everything seemed to break! This included the garage door opener, the washing machine, the couch frame, and then the furnace — all within three months of moving into the house!

We called a company that we had done business with in the past for a repair estimate/inspection. Since our furnace was 21 years old, we were told that “if” we found parts it would be very costly and there was no guarantee on how long this repair would hold out. We were charged a $135 service fee for this estimate and inspection.

We discovered that we had a home warranty and tried to go through them for the repair. After two weeks, we still had a broken furnace and didn’t seem to be getting anywhere with our home warranty, so we called the company that did the initial inspection back.

They told us it would cost us $3500, plus $300 for a humidifier (which we really wanted), and then the original service call fee of $135. That is $3800 — and we’d already spent $135 with them for the initial service call!

Our options:

1. 12 months same as cash, no interest. (We had savings but were worried about an extra $330 payment each month, the savings would be gone before we paid it off. We did not have the cash in our normal budget.)
2. Finance the project (interest, interest, interest… and again, no extra cash.)
3. Pay in full.

We choose option 3!

We used almost all of our savings, but because we paid-in-full, they waived the $135 service fee and gave us a cash discount. We paid $3650 — saving $420 — which made the humidifier FREE!

We have to build our saving back up, but we have a brand new furnace/humidifier and NO PAYMENT and NO INTEREST from a charge!