Saving Families Money Since 2007
Today’s question is from Linden:
Do you have any recipes for a gel or liquid dishwashing soap to use for hand washing dishes in the sink? -Linden
Do you have a question you’d like to ask Money Saving Mom® readers? Read the submission guidelines and submit it here.
Thanks so much for joining me in this four week challenge. We’re only three days in and I’ve already seen some great results!
Here’s Assignment #3:
Day 3 Assignment
::Get dressed in something that makes you feel great {there’s something about dressing in clothes that make you feel great that just gives you more energy and zest for life! Get your free copy of SarahMae’s ebook, Frumps to Pumps, if you need more motivation in this.}
::Sit down with a cup of coffee or tea, refer to your list of weekly goals, and make a list of no more than 5-7 specific things you want to accomplish today.
::Complete your morning routine {if you don’t have a morning routine, take some time to create one today! Read my How to Develop a Routine That Works–And Stick With It series for step-by-step help.}
::Set the timer for 15 minutes and do a quick-clean of your bedroom: throw out any trash, put away items that are out of place, get rid of clutter, tidy up, vacuum, and make your bed.
::Clean out your freezer(s). If you need step-by-step help, read this guide on How to Clean Out Your Freezer.
::Find 7 items to get rid of today. Throw them out, stick them in a donate or garage sale box, give them to a friend who can use them, or list them on Craigslist or eBay.
Note: If you work outside the home or have a really busy week with little time for extra projects, just do the bolded project above.
At 9 p.m. EST tonight, I’ll be posting my progress and pictures, along with a link-up for you to share your progress and pictures, too. Here’s to our productivity today!
If you missed Assignment #2, you can find it here.
Today was a good day — even if I didn’t end up getting everything done that I’d hoped. Oh well, that’s what tomorrow is for!
My day started early in the morning with my Bible reading and coffee, just like almost every single day does. I love the quiet morning time to sip my coffee, soak up encouragement from God’s Word, and prepare myself for the events of the day.
And then I made out my to do list for the day and got my morning blogging done before heading downstairs to sneak in a 2.5 mile run before the children got up.
Tuesdays are the day when my mother’s helper comes — one of my very favorite days of the week. 🙂 She gave the children baths and started the girls on some of their homeschool math worksheets and Explode the Code books while I took a shower, ran downstairs to do a radio interview (with sopping wet hair and no contacts in — not a good idea since I couldn’t see to read my notes for the interview!), and then came back upstairs and started our homeschooling for the day.
After we finished all the homeschooling for the day, we ate a very late lunch (at 2 p.m.!), the children played in the backyard while I fixed my hair, put on my makeup, and did a little blogging. Then we all headed out to Target for a quick shopping trip.
The rest of the afternoon was a blur and I didn’t get to the kitchen and refrigerator until 7 p.m. tonight. Better late than never!
Truth be told, I think some of it was because I was somewhat dreading this project. There are some house cleaning things I enjoy doing. The refrigerator is not on that list.
But it must be done, so I tackled it with gusto. 😉 {Kaitlynn and I were being silly and posing with crazy faces while cleaning out the fridge together!}
I didn’t find any “science experiments” growing things in the back, but I did find a clothespin, a number of items I didn’t remember we had, and four opened bottles of salsa. Yes, I really should tackle this more often than once every other month or so!
Once everything was out, I wiped down the shelves with soapy water, threw out the expired items, and re-organized the rest of the stuff. You can’t tell a huge difference, but it’s nice to know it’s clean–and nothing’s hiding back at the back anymore!
{In case you wondered what Silas was doing while I was cleaning out the fridge, he sat on the floor and made chocolate milk, er, a mess! :)}
And here are the 7 items I put in the garage sale pile today. All odds and ends from the kitchen that we no longer need or use.
How you do on Assignment #2? I’d love to have you share your progress and success with us so we can be inspired. Either post a link to your blog post below or leave a comment with your update.
I am a stay-at-home mom and my husband works based on commission. I have been trying to work out a budget rather than living paycheck to paycheck, but am not sure how to budget when his checks can vary up to $700 per check. (He gets paid every other week.)
Some months we have a nice surplus, and other months we borrow from our savings to make sure our checking account stays out of the red. We don’t usually have a problem paying our monthly bills and usually can save a little, but are really hoping to pay off some credit card debt and our car. Any suggestions are appreciated! – Casey
Budgeting on a commission or variable income is very doable. In fact, my husband and I have never had a fixed combined income our entire married lives! Here’s what I’d recommend:
In my book, I outline a step-by-step plan for getting on a budget. First, I encourage people to learn self-discipline through setting up a grocery budget. Once you’ve practiced the discipline of creating and sticking with a grocery budget, I encourage you to move on to developing a Barebones Budget.
If you’re already somewhat familiar with budgeting or already have a grocery budget in place, I’d encourage you to jump ahead and create a Barebones Budget. This will include all of your basic living necessities: food, basic utilities, shelter, and transportation. In your case, you’d also want to include your credit card bill(s) every month, too.
Write all of these budget categories down on paper and decide how much you need to set aside every two weeks to adequately cover all of the expenses. If there are any expenses you can lower by cutting your grocery bill, asking for a discount on your utilities, moving to a less expensive housing situation, or selling your car, I’d highly encourage you to do it temporarily in order to free up more money to save and pay off debt.
Once you have your Barebones Budget in place, begin following it to a tee. As much as is possible, don’t pay for anything that isn’t a complete necessity right now. It’s a short season and your sacrifices will pay off. Instead, throw every extra penny you can toward building up your emergency fund to three to six months’ of barebone expenses.
Depending upon how often you are dipping into savings would be the determining factor for us as to whether to only set aside three months’ of expenses or to go ahead and set aside six months’ of expenses. This will then give you a cushion going forward on months that you come up short.
After your emergency fund is full funded, it’s time to focus all of your energies on knocking out your debt as quickly as you possibly can. Continue to live on your Barebones Budget and put everything else that you can scrounge up toward your debt.
Be as aggressive and as creative as possible in attacking your debt and getting rid of it. The sooner it’s gone, the sooner you’ll be able to have some breathing room in your life again!
If you have some hiccups along the way — and you probably will! — don’t be discouraged. Stop and re-fund your emergency fund, if need be, and then get back to getting rid of your debt.
Finally, once your debt is gone, make sure you have a fully-funded emergency fund of at least 3-6 months’ expenses, and then create a prioritized list of additional savings and spending goals. Use this list as your guide for months when you have extra: put the extra toward the first thing on your prioritized and slowly start working through it.
If your debt is gone and you have a good emergency fund in place, you’ll have a lot more breathing room and will not only be able to put more into savings, you’ll probably also be able to enjoy some strategic splurging, too!
What advice and tips do the rest of you have for successfully budgeting on a variable income?
I wrote about six ways moms can contribute to their family’s finances over on The Better Mom today.
Psst! None of these ideas involve actually getting a paycheck–but they can all save you hundreds of dollars each year!
By the way, I’ll be talking more in-depth about some of these things in my Live Webcast this Thursday evening. I’d love to have you join us for lots of great discussion and Q&A.
Need some motivation to get rid of excess stuff? QueenBee Coupons shows how their family made an extra $1,000 in March — just by selling extra stuff they had on hand!
Smashed Peas and Carrots shows you how to make homemade Air Freshener.
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.
If you missed Assignment #1 of the 4 Weeks to a More Organized Home Challenge, be sure to read the details here.
Are you ready for another productive day? I know I am! Here’s Assignment #2:
Day 2 Assignment
::Get dressed in something that makes you feel great {there’s something about dressing in clothes that make you feel great that just gives you more energy and zest for life! Get your free copy of SarahMae’s ebook, Frumps to Pumps, if you need more motivation in this.}
::Sit down with a cup of coffee or tea, refer to your list of weekly goals, and make a list of no more than 5-7 specific things you want to accomplish today.
::Complete your morning routine {if you don’t have a morning routine, take some time to create one today! Read my How to Develop a Routine That Works–And Stick With It series for step-by-step help.}
::Set the timer for 15 minutes and do a quick-clean of your kitchen: wash the dishes/load the dishwasher, clear off the countertops, and, if you have time, wipe down the countertops and the outside of the cupboards with wet rag or cleaning cloth.
::Clean out your refrigerator. There’s a step-by-step guide for cleaning out your refrigerator here.
::Find 7 items to get rid of today. Throw them out, stick them in a donate or garage sale box, give them to a friend who can use them, or list them on Craigslist or eBay.
Note: If you work outside the home or have a really busy week with little time for extra projects, just do the bolded project above.
At 9 p.m. EST tonight, I’ll be posting my progress and pictures, along with a link-up for you to share your progress and pictures, too. Here’s to our productivity today!
If you missed Assignment #1 for the 4 Weeks to a More Organized Home Challenge, be sure to read the details here.
So, how’d your day go? Here’s a recap of some of what I got accomplished:
I got up early, read my Bible, ran two miles, followed my morning routine, and got dressed — including makeup, hair, earrings, and even some perfume (which is something I rarely ever wear.).
No, my outfit was nothing to be too excited about, but then, I’m a pretty simple gal when it comes to clothes. In fact, what you see here is my basic standard “uniform” that I wear every day.
After our morning & afternoon homeschooling was finished and the chores were done, Silas went down for his afternoon nap, the girls went outside in the backyard to play, and I sat down to make my list of goals for the week.
{Roxaboxen was one of our read-alouds today for school. Guess what the children did during their afternoon play time? Yep, they spent it trying to build houses for themselves in the backyard!}
And then it was time to tackle my purse. Some of you may have expected that minimalist me would have a teeny-tiny purse.
Well, I actually have a clunker purse. It doubles as a tote bag and sometimes holds diapers, extra kid clothes, books, knitting stuff–or even my laptop. It just seems more practical to stick with a big bag right now since it can multi-task when needed.
But the problem with a big bag is that it can also hold more junk and unnecessary stuff. Gulp.
I pared all the stuff that was currently in there down to this and threw the rest of the stuff out or returned it to its proper place.
Much better!
And finally, I came up with seven items around our home to get rid of: three vases, some smell reducer thing that I have no idea where it even came from, two shirts that are worn out, and two books. All of the items are going into the garage sale pile except the Unshaken book which I’m passing along to reader, Cassi!
How you do on Assignment #1? I’d love to have you share your progress and success with us so we can be inspired. Either post a link to your blog post below or leave a comment with your update.
Breakfasts
Cereal
Baked Oatmeal
Scrambled eggs, fruit, Grain-Free Coffee Cake
Blueberry muffins, fruit, hard-boiled eggs
Gluten-Free, Dairy-Free Waffles, scrambled eggs, fruit
Healthy Homemade Poptarts, hard-boiled eggs, fruit
Baked OatmealLunches
Leftovers
PB&J, carrot sticks, apples, granola bars
Snack-y lunch
Chips, refried beans, veggies, fruit
Rice & beans, carrot sticks, apples
Salmon, veggies, fruit, corn chips
LeftoversDinners
Dinner with extended family
Goulash, veggies, fruit salad, sweet potatoes
Hamburgers, corn on the cob, steamed veggies, fruit, Salt & Vinegar Broiled Potatoes
Marinated chicken, steamed veggies, fruit salad, rice, sweet potatoes
Haystacks
Dinner with extended family
Dinner outFreezer Cooking/Make Ahead Projects
Healthy Reese’s Peanut Butter Cups
Healthy Homemade Poptarts
Sweet Potatoes
What’s on your menu this week? Share details and/or your link to your menu plan in the comments.
Last week’s goals:
Family/Mothering Goals
1. Read five chapters of Quest for Truth:Taken aloud to the children.
2. Continue our Countdown to Easter study as a family.
3. Write a love note to Jesse.4. Grow Easter Grass with children.
Personal Goals
5. Finish reading One of Us Must Be Crazy and I’m Pretty Sure It’s You and
Unshaken: Rising From the Ruins of Haiti’s Hotel Montana.
6. Complete week 8 of the Couch to 5K program.
7. Listen to at least one more hour of The 10 Habits of Happy Mothers.Home Management
8. Clean out our bathroom drawers.
Business Goals
9. Finalize the details for the live webcast next week.
10. Start working on my talks for the Midwest Homeschool Convention.
This week’s goals:
Family/Mothering Goals
1. Read five chapters of Quest for Truth:Taken aloud to the children. Finish reading Mountain Born.
2. Continue our Countdown to Easter study as a family.
3. Write a love note to Jesse.
4. Grow Easter Grass with children.
Personal Goals
5. Finish reading One of Us Must Be Crazy and I’m Pretty Sure It’s You. Start reading The Three R’s.
6. Complete weeks 8 & 9 of the Couch to 5K program.
7. Listen to at least one more hour of The 10 Habits of Happy Mothers.
Home Management
8. Follow my Spring Cleaning plan & blog about it every weekday.
Business Goals
9. Host the live webcast on Thursday.
10. Continue working on my talks for the Midwest Homeschool Convention.
How did you do on last week’s goals? What are your goals for this week? I’d love to have you share your progress on last week’s goals and your goals for this coming week in the comments. Of, if you’ve blogged about it, leave your direct link below. Let’s cheer each other on to live purposeful and productive lives!
You can download a free customizable weekly goal-planning sheet here.
Spring is here and with that comes fresh resolve to get my home and life in better order. I’ve set aside the month of April to really focus on organization in my home and life. And I’d love for you to join me!
So in April, every weekday morning at 9 a.m. EST, I’ll be posting the day’s assignment and then every evening at 9 p.m. EST, I’ll be posting my progress and pictures, along with a link-up for you to share your progress and pictures, too.
Day 1 Assignment
::Get dressed in something that makes you feel great {there’s something about dressing in clothes that make you feel great that just gives you more energy and zest for life! Get your free copy of SarahMae’s ebook, Frumps to Pumps, if you need more motivation in this.}
::Sit down with a cup of coffee or tea and make a list of 5-10 goals for this week.
::Complete your morning routine {if you don’t have a morning routine, take some time to create one today! Read my How to Develop a Routine That Works–And Stick With It series for step-by-step help.}
::Set the timer for 15 minutes and quickly pick up the main living areas of your home.
::Clean out your purse and/or diaper bag.
::Find 7 items to get rid of today. Throw them out, stick them in a donate or garage sale box, give them to a friend who can use them, or list them on Craigslist or eBay.
Note: If you work outside the home or have a really busy week with little time for extra projects, just do the bolded project above.
How are you doing on your goals for 2012? March wasn’t the best month for me when it came to goals, but I did make some progress…
Personal
Read through the Bible in a year. {I’ve been keeping up with this faithfully.}
Read through the 24 books on my 2012 booklist. {I’ve finished all the books through March plus read quite a few other books!}
Listen to 12 audiobooks. {I’m still working on March’s audiobook–it’s a longer one and it’s taking me awhile to get through!}
Run in at least one 5K race. {Almost finished with week 8 of the Couch to 5K program.}
Complete the Couch to 10K program.
Tackle 12 Do-It-Yourself Projects. {I bought the stuff to make March’s DIY project, but after my allergic reaction, I decided to postpone the Face Wash project for another month or two!}
Focus on one habit per month. {So I totally bombed the morning routine goal in March. Can I try for a redo in April?!}
Learn to use my new DSLR camera (huge surprise Christmas present from Jesse!!) & improve my photography skills.
Take at least one photo a day and put together a page every week for my Project Life album. {I kind of fell off the bandwagon with keeping up with my album in March, but I have high hopes of getting caught up in.}
Memorize Colossians using the plan and free download here. {I’m almost caught up with this.}Marriage
Go on the Love Like You Mean It Cruise. {Done–read my recap here.}
Go on two Marriage Retreats (overnight trips sans children for planning, talking, goal accountability).
Have monthly date nights. {We had one date in March.}
Read four books together. {We didn’t read anything together in March… must try to make this more of a priority in April!}
Read at least 3 books on marriage. {Finished Rekindling the Romance in March.}Children/Homeschooling
Continue regular dates/outings with each of the children individually. {I went on at least one outing with each child individually in March.}
Continue Grace and Truth memory book. {The children memorized part of the Lord’s Prayer plus two verses of a hymn this month.}
Ice-skating lessons for all three children. {We started the second round of ice-skating classes in March.}
Swimming lessons for all three children.
Finish second grade, begin third grade with Kathrynne. {Plugging away at this!}
Finish kindergarten, begin first grade with Kaitlynn. {Plugging away at this!}
Start preschool with Silas.
Go on at least one field trip every month. {We went to the park multiple times and on some family bike rides, but didn’t actually make it on any “official” field trips.}
Go on at least one family vacation.
Finish at least 15 read-aloud books. {We’ve finished seven read-alouds so far this year.}Ministry/Friendships/Extended Family
Write at least two handwritten notes every month to encourage someone. {I wrote & mailed two handwritten notes this month.}
Continue being involved in our local church, homeschool group, young couple’s group, and blogging accountability group. {Ongoing}
Continue with weekly get-togethers with both sides of our extended family. {Ongoing}Business/Blogging
Continue to take Sundays off from blogging/business work. {Ongoing}
Continue keeping strict Office Hours for the business/blogging time each day. {Still plugging away on this!}
Switch to a paperless planning system. {This is going well for me, though I’ve decided I’m probably never going to be 100% paperless for all things.}
Follow my weekly blogging plan. {I didn’t do this perfectly in March, but I adhered to it somewhat.}
Plan blog posts out at least a month in advance. {Not quite there, but I’m at least being much more intentional with my blogging this year than I’ve ever been before!}
Write and schedule blog posts at least a week in advance. {Making some headway with this, though I’m far from where I want to be!}Financial
Continue to tithe 10% of our income. {Ongoing}
Give generously to needs in our community and around the world, as God prompts us. {Ongoing}
Pay cash for a new-to-us vehicle to replace our family’s van. {We picked out the specific vehicle we’re planning to buy and started our vehicle search in March!}
Finish saving for and purchase a rental property with cash. {We were able to set aside some for this in March.}
If you’ve posted goals for 2012, I’d love for you to post an update on how things are going and share your link in the comments. If you don’t have a blog, feel free to just leave your update as a comment. Let’s encourage one another to live lives of intention and purpose!
