Need a kick in the pants? Take the 21 Days to a More Discipline Life Challenge hosted by Hello Mornings!
Head over here to read all about the challenge — and to enter to win one of 10 free copies of my ebook!

100 Creative Ideas for Frugal Fun with Kids!
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
Need a kick in the pants? Take the 21 Days to a More Discipline Life Challenge hosted by Hello Mornings!
Head over here to read all about the challenge — and to enter to win one of 10 free copies of my ebook!
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
Guest post from Dizee of Doofy Dizze
I struggle with money.
There, I said it. The cat is out of the bag.
Some people seem to have a “frugal gene” – they always know the smart way to spend a dollar or save a hundred. I am the type of person who could figure out a way to spend money while shipwrecked alone on a deserted island.
Thriftiness does not come easy to me and I constantly work to find a balance between saving and splurging.
I understand the fundamentals – I use coupons faithfully, dutifully purchase items on sale, and lovingly care for my stockpile.
But I will still overspend. And when I overspend, I get cranky. Downright surly.
Many people will say I should work on developing my self-control. And, to a large extent, I don’t disagree. But with two kids, three dogs, a husband, a full-time job, a house, and a sick father – there are many times my focus is simply elsewhere.
Many days, I am doing good to have matching socks and a clean shirt on.
So in an effort to control my spending proclivity, I have come up with some ways to be Mindlessly Mindful:
Purchases under a few dollars generally didn’t register on my radar. For instance, I developed a hardcore McDonald’s hot tea/oatmeal addiction. These trips to McDonald’s would usually run me less than $5. But then I woke up one week and realized the drive-through attendant knew my order by heart.
Gasp, I had become a regular! I quickly totaled up my trips for the month – 12 visits! I was going Monday, Wednesday and Friday!
That was when it hit home – $60 on food that would only cost a few dollars to prepare at home. Tea literally involves boiling water, it couldn’t get much easier. Plus, it wasn’t doing my waist line an iota of good.
(I am happy to report the Drive-Thru girl and I are no longer BFFs!)
Controversial I know, but I found cash gets lost in my possession. My wallet is the equivalent of the Bermuda Triangle for twenty dollar bills. I take out just enough money to purchase gas and keep a few extra dollars in my wallet in case of an emergency.
I also appreciate the accountability of the debit card. My husband can see my purchases — do I really want him knowing I had KFC, Taco Bell, and Burger King for lunches in one week? Not so much. This was especially true when I was also paying Weight Watchers weekly…
Just as Superman’s greatest weakness was kryptonite, the Dollar Store obliterates all my defenses. With everything priced at a dollar, I feel like Donald Trump. This is also true at my previous home-away-from-home… Target. I would walk in to buy toothpaste and walk out with a toaster.
I have found it is better for me to spend a dollar or two more at a store with fewer temptations. In the long run, I am saving major bucks.
You have to love technology. Back in the day, you had to have your checkbook on you to see what was in the bank. Now, I log into the bank daily and check the activity. It has become as routine to me as brushing my teeth.
With much of our bill paying being done online, this little examination is also a visual reminder of those pesky bills I can sometimes forget about (you know, little things like the mortgage or electricity.)
Does this seem counter-intuitive? I have found that knowing I can splurge once in a while saves my sanity and stops me from making a ridiculous purchase.
I allow myself a tiny splurge once in a while – a song on iTunes, a new tube of mascara. It satisfies my need to spend lavishly while also keeping me in check.
In the end, it comes down to doing what is best for you.
There are many times I judge myself against others I see online or know in real life. Just remember: Comparison is the thief of joy. My goal is to just be happy with who I have become.
Dizee is a wife and mother who is on a quest to simplify her life one day at a time. Each day she posts her successes (and failures) at Doofy Dizee. She would love for you to stop by!
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
These delicious chicken squares are such an easy weeknight meal and your whole family with love them. You might just want to make a double batch!

Guest post from my sister, Gretchen.
Note from Crystal: I can testify that these are amazing! In fact, these were one of my favorite meals growing up. This is a must-try recipe. Trust me on that!
These crescent chicken pockets have been a family favorite recipe for years.
The rich, creamy filling makes these pockets so delicious and filling… and they are just so quick and easy to make, especially since I usually have all the ingredients on hand.
The best part? They are freezer-friendly!
I often whip up a double or triple batch of these and stick them in the freezer for lunches or dinners on the go.

While you can use refrigerated crescent rolls for the dough, I like to make my own biscuit dough from scratch. It takes a little bit more time but is worth it in the end.
That said, if you’re short on time or energy — just go with store-bought refrigerated crescent roll dough!
NOTE: You may need more than 2 packages of crescent rolls if you don’t add much filling. Also, if you stuff them full of chicken mixture, you may end up with extra dough. We recommend 1/4 cup of filling per pocket, for a total of 8 pockets.

Try mixing up the flavor combination by adding a little garlic powder and chives. Or go with your own favorite herb or seasoning.
Add cheese — because everything is better with cheese! A 1/2 cup would be the perfect addition to this recipe, for an even gooier filling.
Cooked turkey is also an easy substitute for cooked chicken — perfect for using up holiday leftovers!
1 Preheat oven to 350ºF.
2. In a large bowl, mix cream cheese, milk, and 2 Tbs. melted butter into a smooth consistency.
3. Stir in chicken, onions, salt, pepper, and parsley. Mix until well combined.


4. Divide crescent or biscuit dough into 8 equal sections.
5. Roll/press each section roughly into an 8×8 inch square (press 2 crescent rolls together).
6. Spoon a heaping 1/4 c. of the chicken mixture into each dough square.

7. Pull up the 4 corners and seal the edges (or just fold the dough over the chicken mixture and seal).

8. Place dough packets on a greased cookie sheet (seam side down) and brush with the remaining 2 Tablespoons of melted butter.
9. Bake in a preheated oven for 20-25 minutes or until browned.

These delicious crescent chicken squares are a full meal all on their own. However, you can stretch them a bit further by serving with steamed or roasted veggies, a salad, and fresh fruit.
For a more casual meal, you could serve them with raw veggies and chips.
You can store any leftovers in a food storage container or zip-top bag and refrigerate for up to a week.
The leftovers make great lunches — if you plan to use them as lunches, it works well to store each crescent square separately.
As mentioned above, these are freezer-friendly to make your life just that much easier!
Simply let the cooked chicken packets cool to room temperature, then wrap them individually in foil, and store in a freezer bag.
They work wonderfully for on-the-go lunches as they defrost by lunch time and can simply be reheated in the microwave.


Make sure to share and save it on your favorite platform below!

Done-For-You Dinner Recipes With Simple Ingredients and a Grocery Shopping List!
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.

Stacy emailed in the following tip:
A few weeks ago, I was reading this post about writing to stores, telling them how much you love their products, and seeing if they have any coupons they are willing to offer. I decided to write to Pampers because we go through them so much.
I told them how I love their diapers and that they are the only diapers my kids could wear because every other brand gave them chemical burns. I requested coupons and got an email back saying they would be more than happy to send me some emails and also asked me if I would be willing to participate in a diaper study because they are trying to improve the diapers. I said “yes” thinking they would send me a couple diapers to try out.
Well, I got a package in the mail from them today. Not only did I get 5 coupons for diapers, I also got 2 bags of diapers to try out! My son goes through diapers pretty quick so the extra diapers really help out. So just wanted to say thanks for the tip! -Stacy
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
As you well know, I tend to be just a little bit frugal. Er, well, maybe more like a lot frugal. My husband says that if I were left on my own, I’d never spend any money on myself. I love to spend money on others, but when it comes to me, I’ll just keep using and re-using whatever I already have. 🙂
That’s not always a bad thing… especially considering all of the money it has saved us over the years. Sometimes we lose sight of just how much these simple things we do really benefit our lives. And it’s time that we celebrated the simple savings!
Welcome to Frugal Photo Friday! Like we did last year, during the month of October, I am partnering with Rebekah from SimplyRebekah (that’s us above at a conference last year!) to bring you a fun series dedicated to inspiring others and celebrating our simple savings. We’ll be sharing photos each Friday of simple ways that we save money. And we’d love for you to join us!
Each Friday in October Rebekah and I will share pictures on our blogs that demonstrate ways that we save money. At the end of our posts we’ll have a link-up where you can share a link to your own blog post. Your Frugal Photo Friday post should include at least one photograph along with a brief caption or story that explains how you saved money.
Unlike last year, we won’t have themes for each week. Instead, we’re leaving it wide open for you to share any Frugal Photo you’d like!
You can see our posts from last year, if you need some examples to help get the creative wheels turning in your brain:
My Frugal Photo Friday Posts from Last Year
- Making Starbucks at Home
- The Library & Cooking with Kids
- Homemade Instant Oatmeal Packets
- Finding Great Deals on Photography
- Homemade Pumpkin Puree
Rebekah’s Frugal Photo Friday Posts from Last Year
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
I’ve been making Sliced Baked Potatoes for years. In fact, this was one of the first recipes I started making way back in my early teens!
These are versatile, hearty, and delicious. They are a fun way to dress up an ordinary potato!

Preheat oven to 425°F.
Scrub and rinse potatoes. Cut into thin slices, but NOT all the way through.
Put potatoes in a baking dish and fan out the slices. Sprinkle with salt and drizzle with butter, then sprinkle with herbs.
Bake potatoes for about 50 minutes. Remove from oven and sprinkle with cheese. Then bake for another 10-15 minutes until lightly browned and potatoes are done.
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.

RoseKnowsCoupons.com shows you how to make homemade smartphone keychain cleaning cloth.
Do you have a fun and frugal DIY idea to share? I’d love to hear about it! Read the submission guidelines and submit it here.
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.

Aldi
1 Apple Juice – $1.49 (These are a special treat for a roadtrip my little boy and I are taking this weekend. One of them didn’t make it home though…) 🙂
1 Carrots – $0.99
1 Cauliflower – $1.69
Total with tax ($0.30): $4.47
Dillons
2 U by Kotex Liners – $1 each, used 2 $0.75/1 coupon from the 7/22 SmartSource insert – $0.25 each after coupons
2 Kotex Natural Balance Liners – $1 each, Received $2.50 catalina – Free plus overage after catalina
2 LA Looks Hair Gel – $1 each, used 2 $0.75/1 printable – $0.25 each after coupon
1 Orville Redenbacher’s Popcorn – $2.49, used Free e-coupon (no longer available) – Free after coupon
1 Kroger Ice Cream – $2.50
2 Sunbelt Granola Bars – $2.19 each, used Buy One Get One Free coupon from the 9/8 SmartSource insert – $1.09 each after coupon (Another special treat for our roadtrip!)
1 Simple Truth Whole Chicken – Marked down to $8.34, used $1.25/1 e-coupon – $7.09 after coupon
2 Kroger Cheese – $1.50 each
1 Smart Chicken Drumsticks – Marked down to $2.75
1 lb Sterling Silver Ground Beef – Marked down to $4.48 (I hate spending this much on ground beef, so I will stretch this to make 2-3 meals.)
1 pkg Baby Spinach – $2.50
0.98 lbs Roma Tomatoes @ $0.99/lb – $0.97
1 Cucumber – $0.75
1 Green Pepper – $0.75
1 Kroger Cottage Cheese – $2.25, used $0.40/1 e-coupon – $1.85 after coupon (I should have purchased this at Aldi…)
1 Romaine Lettuce – $0.99
Total before sales and coupons: $53.97
Total with tax ($2.72) after sales and coupons: $35.54, plus received $2.50 catalina (for buying Kotex)
Total for all grocery items: $40.01
My son and I will be gone several days this week and my husband is fending for himself (he prefers it that way!), so I didn’t have to plan for as many meals.
Personal Sized Baked Oatmeal, Cereal, Toast
Leftovers, Peanut Butter & Jelly Sandwiches, Grilled Cheese Sandwiches, Carrot Sticks and Apples, Peanut Butter Chocolate Chip Muffins
Slow Cooker Rotisserie Chicken, Tossed Salad, Green Beans
Lasagna, 30-Minute Rolls, Tossed Salad
Egg Burritos, Fruit
Grill Out Steaks (gift from Crystal), Biscuits, Steamed Cauliflower, Tossed Salad
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
A testimony from Lindsay
My family recently returned from Disney World — and are proud to say that we did the entire trip debt-free!
About a year ago, we decided that we would take our two daughters on vacation in the summer of 2013. We kicked around the idea of Disney World, but knew it was a pricey vacation and wanted to pay cash for whatever vacation we took. We starting stashing away extra cash leftover from our envelope system, held a garage sale, and cut back on spending.
We researched great times of the year to visit Disney, and decided that September would be a good time for our family to visit. We found that September has historically been a low month for Disney World and that they frequently offer their “Dining Plans” for free if we elected to stay at a Disney Resort.
We knew that a full week at Disney would not be optimal for our family so we found a 3-bedroom townhome with a water park for only $65 per night and stayed there for the first four nights of our vacation. This enabled us to cook at home and also to travel to attractions other than Disney.
We have a zoo membership through our hometown zoo and used the reciprocating zoo list to visit a wonderful aquarium in Florida for free. In the same town, we visited a free and beautiful beach — Siesta Key. That entire day of vacation was nearly free, and probably was one of our best days!
We rented a car for the first four days then returned the car to the Orlando airport. This enabled us to use the free Disney Magical Express transportation system to travel to and from the airport to our Disney Resort that we stayed at the remainder of the week. This eliminated the need to pay for parking at Disney and also for a car that we would not be using while we were there.
Wal-Mart and Target stores in the Orlando area offer tons of low cost, adorable Disney t-shirts and memorabilia, so we purchased our daughter’s autograph book and t-shirts at Wal-Mart instead of in the Disney Parks. The autograph book was $1.98 at Wal-Mart compared to $10.95 and up at Disney World. The t-shirts were a 1/3 of the price of those at Disney World.
Disney has a nightly electric parade, but the glow necklaces and toys are quite pricey. We bought glow necklaces and wands at Dollar General for $1 prior to leaving and packed them away in our suitcase. Our daughters could careless where their glow necklaces came from, all they knew was that they had one!
We had a wonderful, memorable vacation, and returned home with cash to spare!
Have you saved up and paid cash for something — large or small? Submit your story for possible publication here.
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
I’m pregnant and will be a first-time mom. I just started looking for deals on diapers and wipes… and in the process, I came across few medicines deals, too. So I’m wondering, how early can/should I start stocking up on medicines, formulas, and other items that could potentially expire? (I’m planning to breastfeed; however, I want to have few packages of formula on hand for emergencies.) -Uma
Do you have a question you’d like to ask Money Saving Mom® readers? Read the submission guidelines and submit it here.
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
CVS Shopping Trip
3 Huggies Diapers – $9.49
Used 2 $2.50/1 printable and 1 $2/1 printable
And used $3/1 CVS printable (no longer available)1 Desitin – $2.99
Used $0.75/1 printable1 Neutrogena Ultra Gentle Daily Cleanser – $9.49
Used $2/1 printable
And used $1/$5 CVS any cleanser coupon1 Neutrogena Make Up Remover Towelettes – $7.49
1 Neutrogena Soap – $3.29
Used $10/$50 CVS coupon
And used $24.99 ECBs from last shopping trip
Total before coupons, sales and ECBs: $64.21
Total with tax ($2.98) after coupons, sales and ECBs: $5.97, Received $10 ECBs (for buying $30 in Baby products) and $7 ECBs (for buying $20 in Neutrogena products)
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
Walgreens Shopping Trip
Transaction #1
3 Crest Pro-Health Toothpaste – $3 each
Used $2/3 coupon from the 9/1 P&G insertUsed $3 Register Rewards from last shopping trip
Total with tax ($0.64): $4.64, Received $5 Register Rewards
Transaction #2
1 Schick Quattro Razor – $8.99
Used $4/1 printableMini Highlighter – $0.29 (filler item)
Used $5 Register Rewards from Transaction #1
Total with tax ($0.66): $0.94, Received $3 Register Rewards
Transaction #3
2 Mitchum or Lady Mitchum – $2 each
Use 2 $1/1 coupon from the 8/18 SmartSource insertMini Highlighter – $0.29 (filler item)
1 Tweezer – $0.39 (filler item)
1 Nail Filer – $0.39 (filler item)
Used $3 Register Rewards from Transaction #3
Total with tax ($0.36): $0.41, Received 1,000 Balance Reward Points (like $1)
Total for all transactions before coupons, sales and Register Rewards: $34.60
Total for all transactions after coupons, sales and Register Rewards: $5.99
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.

It was 2009. My third baby had just been born. I was beginning “official” homeschooling with my five-year-old, my two-year-old was potty-training, my husband’s law firm was still getting off the ground, I was battling postpartum depression, and this blog had mushroomed into something far beyond what I’d envisioned requiring hours of effort each week to run.
Everything felt out of whack. I was overworked, overwhelmed, and exhausted — and I wasn’t doing a good job of being a wife, mom, homeschooler, homemaker, or a blogger. In addition, my health was suffering a great deal from the strain and fatigue of trying to juggle it all.
I knew something had to give… but what? I kept telling myself that if I just got more organized, pushed harder, and slept less I’d be able to find a way to do it all.
However, a better schedule, more productivity, or shorter nights wasn’t the magical fix. In fact, it was the exact opposite: I desperately needed to do less, have more margin in my schedule, and get more sleep at night.
It took me a few more months — and getting to the end of my rope physically and emotionally — for me to wake up to the fact that I needed to do an extreme paring down of my responsibilities in order to reclaim my health, find breathing room in my day, and start enjoying life more.
Thanks to my husband’s gentle yet persistent prodding, I finally accepted that I’m not superwoman, relinquished many things on my plate, and brought on some help. Since then, I have come to a beautiful place where I am enjoying both motherhood and blogging.
I’m not going to tell you that it’s always easy — because it’s not. In fact, I’ve worked harder and been stretched further in the last few years than I ever envisioned I was capable of. At the same time, though, I’m invigorated and energized by the responsibilities on my plate, instead of being drained and exhausted by them.
What brought about the change? Well, here are four things:
Writing is my passion. I can’t not write. It’s how I process things and it’s richly cathartic to me. If you left me on a desert island and I had no laptop, no paper, and no pen, I’m pretty positive I’d find a stick and start writing in the sand. It’s in my blood.
Despite this, for years, I shied away from admitting that God had called me to be both writer and mom. I guess I was scared that I’d be judged or something if I openly made it known that I was both. That someone might think less of me as a mom if mothering wasn’t all I did.
When I finally owned the fact that I’m a writer through and through and a mom through and through, it changed my whole approach to life. I stopped living in fear and shying away from what God has called me to. Instead, I wholeheartedly jumped into this journey and determined to figure out how to do both well.
The longer I do this dance of blogging and motherhood, the more I’ve come to believe that the notion of “perfect balance” is a misnomer. At any given time, something in your life is going to be requiring more time and energy, be it the baby who is teething, the friend who is going through a crisis, the child who is sick, the writing deadline that is looming, or the blog host that is down.
When my husband and I attended one of Dave Ramsey’s EntreLeadership events, Dave confirmed this to me by saying that we should test whether or not we have balance in our lives by viewing how much time we’ve devoted to each area of priority in our life over the course of a year — not the course of a day or week.
There are going to be days when the blog gets shelved for playing in the snow or caring for a sick child or reaching out to a needy friend. In the same way, it’s also okay if your kids occasionally have a PJ & Movie Saturday or you have your husband pick up carryout for dinner because you were holed up finishing a writing project.
When you have a healthy balance, blogging can bless your family and energize you as a mom. When things are out of balance, a pretty good indicator is that your blog will feel like a burden, or conversely, your mothering responsibilities will feel like a burden. When either of these happen, the best thing is to take a step back, reevaluate your responsibilities, and see what needs to change or be let go of altogether.
I believe wholeheartedly that delegation and dumping are the keys to success as a business owner and blogger. Your blog can control you or you can control your blog.
When you make the choice to be the one dictating your blogging schedule and responsibilities, it’s going to mean saying “no”. You can’t be at everyone else’s beck and call. You can’t chase after every new idea. You can’t experiment with every new blogging widget or plugin.
You’ve gotta set your foot down, create boundaries, and just say “no”. That doesn’t always mean you say “no” to everything and that doesn’t always mean that you say “no” every time. But it does mean that you realize that you are the one calling the shots. If an opportunity or idea is going to put extra strain on your home and family, you are the boss and you have the final say.
It’s easy to forget this and start feeling obligated to people and projects. Before committing to something, ask yourself a few hard questions like:
Never commit to something without careful consideration. I promise that you won’t regret it.
You might be able to juggle a lot of things and do a good job of it, but you aren’t nor will you ever be superwoman. You need margin and breathing room in your life. If you aren’t intentional about creating space in your schedule, it will become overrun with seeming must-do’s before you know it.
One of the best things I’ve done is to take Sundays completely off from anything blog related. Many weeks, I keep my phone and computer turned off from Saturday night until Monday morning. This weekly 24 hours of unplugging recharges and refreshes me.
In addition, I’m setting the bar lower when it comes to what I expect of myself. It’s wonderful to challenge myself, but it’s also important to realize that I’m never going to get everything done. There will always be another project that needs to be completed.
Instead of beating myself up over how far I have left to go, I’m learning to focus on being excited about the progress I’m making. Because moving forward — even at a microscopic rate — is still moving forward.
Adapted from my foreword to Blog-at-Home Mom; used with permission
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.

Target Shopping Trip
Transaction #1
2 Infant’s Advil – $4.99, used 2 $1.50/1 printable – $3.49 each after coupons
Used leftover amount on Target gift card from last week’s shopping trip ($1.10)
Total with tax ($0.36): $6.24, Received $5 Target gift card for buying 2 Advil products
Transaction #2
4 Heat-N-Go Mini Pancakes – $0.99 each, used 2 Buy One Get One Free printable – $0.49 each after coupons
2 Plum Organics Baby Food – $1.29 each, used 2 $1/1 printable – $0.29 each after coupons
2 Lindt Chocolate – $2.79 each, used 2 $2/1 printable AND 2 $1/1 Target printable – Free after coupons
1 GE Light Bulbs – $2.79, used $2/1 catalina coupon (printed for me last week) – $0.79 after coupon
3 Gillette Shaving Gel – $1.99 each, used $6/3 coupon from the 8/11 RedPlum insert – Free after coupon
1 Huggies Baby Wipes – $1.97, used $0.50/1 coupon from the 9/22 SmartSource insert AND $1/1 Target mobile coupon (Text HUGGIES to 827438) – $0.47 after coupons
Used $5 gift card from Transaction #1
Free after gift card
Total for both transactions before coupons and gift cards: $34.68
Total for both transaction after coupons and gift cards: $6.24
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.

Every week in 2013, I’ll be sharing a different way you can save $100 this year. If you do all of these things, you’ll be able to save over $5,000 this year alone! Many of these things will likely be things you’re already doing, but hopefully all of you will pick up at least a few new ideas or some inspiration from this series.
I know all of you “But-I’m-So-Responsible-With-My-Credit-Card” people probably aren’t going to be happy with me for saying this, but I really believe it…
You see, when you shop with a credit card (or even a debit card, for that matter!) you can have your budget in your head and you can do the best to stick with it when you check out, but it’s so much easier to go just a little bit over here and there when you’re swiping. You can justify that $2 you went over your budget to buy something that was a “great deal” when paying with your card.
$2 might not seem like much, but if you spend $2 to $3 more every week, that adds up to around $130 in extra spending over a year’s time!
When I know that all I have to use at checkout is the cash in my cash envelope, you better believe I carefully evaluate every impulse purchase or great deal I come across: “Do I really need this?” “Is this in the budget?”
Sometimes, it truly is a great deal and I have the money in my cash envelope to pay for it so it goes in the cart. Other times, I decide it’s a good enough deal that I skip buying something else on my list that we can do without in order to afford it. Or, many times, I put it back on the shelf.
Need more convincing? I highly recommend that you read these articles: 4 Reasons I Use Cash Instead of Credit, 6 Reasons People Argue Against Cash Envelopes — And Why I Don’t Buy Them, and 5 Ways a Cash Budgeting System Will Change Your Life.
Maybe you’re one of those extremely responsible–and very rare!–people who can stick to your budget while swiping a card. If you are, kuddos to you!
However, if you find yourself struggling financially and wishing you could figure out why your grocery budget is so high, can I challenge you to take a Cash-Only Challenge for 3 months and see if it impacts your spending over the course of a three-month period?
Here’s how the Cash-Only Challenge works:
1) Commit to only spend what is in your cash envelopes when you shop for the next 3 months.
2) Go to the bank and withdraw cash in the amount of your pre-determined Cash Budget. For more on cash-only shopping, read The Envelope System Experiment.
3) Leave your credit/debit cards/checkbook at home and only bring your cash envelope and a calculator with you to the store.
4) Calculate your purchases on the calculator as you add them to your cart. This will motivate you to carefully evaluate all purchases, will make you aware of how much items actually cost, encourage you to look for the best deal, and force you to get creative if your list is longer than you have room for in the budget.
5) Pay with cash when you checkout and see significant grocery savings–hopefully!
6) Decide you’ll never go back to paying with your credit/debit card. Well, okay so you might not get quite that drastic, but I can almost guarantee you that going cash-only for a short-time will have taught you something worthwhile!
By the way, if you want to stick with a budget, but you tried the cash system and it didn’t work for you, I’d heartily recommend checking out Mint.com then. It’s a great way to stick with a budget, while not having to mess with cash envelopes.
Have you tried a cash-only system? If so, what benefits have you found from doing so? Tell us your thoughts in the comments.
And I'll send you 1 to 2 daily emails with the best hand-picked hot deals as they become available!