We Paid Cash: A Kitchen Renovation
A testimony from Chelsea
My husband is an aspiring at-home chef, so while he was deployed to Iraq last year, I decided to remodel our kitchen as a surprise to him. However, we didn’t have much money to start with because we were putting most of our extra money toward getting our house and cars paid off before he returned.
I started with the cabinets, sanding them down and then priming and painting them an off white color myself. A local appliance company gave us a really good deal on a set of appliances (we had a nice newer stove so went with white to match). They had some dents on the sides, but you never see the sides so that didn’t matter!
A friend’s husband ran the lines and installed the dishwasher for me. Then I did the floor in faux slate peel and stick laminate tiles (it cost about $200 for the whole kitchen and only took me one evening after the kids went to bed).
I bought crown molding for the tops of the cabinets for about $20 at the hardware store and another friend’s husband took one of the cabinets I took out to fit the bigger fridge and made it into a built in-wine rack.
For the back splash, I used sheets of embossed tin (actually it’s plastic, but it looks like tin). The whole backsplash cost about $150!
I ordered a set of used but nice hardware on eBay, found a nice faucet and new curtains on eBay and voila… a new kitchen that took his breath away!

It was the perfect way to welcome home my soldier — all for under $1000!
Have you saved up and paid cash for something — large or small? Submit your story for possible publication here.
7 Items Worth Splurging On
My husband emailed me an article from DaveRamsey.com yesterday on 7 Items That Are Worth the Extra Money.
The 7 items they suggested you should spend extra money on?
Toilet Paper
Trash Bags
Running Shoes
Food
Bed Sheets
Office Chair
Silverware
I found the list interesting and would agree that it is worth it to buy high-quality running shoes, office chairs, and trash bags. I also think it’s good to invest in wholesome food. However, I disagree that you have to pay a lot of extra money for any of these three things. If you are creative and know where to look, there are great deals to be had on high-quality items.
I also disagree that you need to spend extra on toilet paper, bed sheets, or silverware. If you come to our house, you get to use whatever toilet paper we got a good deal on. I know I’m in the minority here, but I’m not one to spend a lot of money on something you’re just flushing down the toilet. 🙂
And I’ve never gotten too hung up on sheet thread count. By the time I get into bed, I’m usually plenty tired that I don’t even notice the sheets.
Silverware is also another thing we don’t splurge on around here. We got a set from Walmart when we got married plus some odds and ends passed on from a friend. Our mismatched cheap set might not look too impressive, but it gets the job done.
That said, I know I have things that I splurge on that aren’t on the list–like a good hair cut. Many people just cut their own hair and that works great for them, but spending the money on a good hair cut is so worth it to me.
Do you agree or disagree with the list of 7 things you should splurge on? What other items do you feel are worth spending extra money on?
Ask The Organizer: Is your family on board?
Many, many of you have written in or commented in the last few months that you are really struggling with home organization. So I’m excited to let you know that I’ve teamed up with Andrea Dekker from Simple Organized Living to bring you a brand-new monthly feature called called “Ask the Organizer“.
Each month, we’ll feature one organizing question and let you weigh in your thoughts, answers, and opinions. Then later in the month, Andrea will pick one or two of the most popular responses and share her tips, ideas, and suggestions for dealing with those issues!
This month’s question is:
Is your family on board with your organizing goals?
If they are, what have you done to get them on board?
If not, what are you biggest struggles/obstacles to getting them on board?
Leave your answers below and then check back in a couple of weeks for Andrea’s expert organizing advice!
Freezer Cooking in an Hour Flop
So, today’s Freezer Cooking in an Hour felt like a royal flop. However, nothing actually ended up in the trash, so I guess it wasn’t a complete flop.
I had high hopes for these Coconut Flour Waffles. I should have realized that they would have tasted rather egg-y though, since they do happen to have six eggs and only 1/4 cup coconut flour. I guess I failed to notice that until after I was making the recipe. Oops.
At any rate, the batter cooked on the waffle iron okay, but they just didn’t taste all that great in my opinion. The children said they were fine, but they didn’t gobble them down like they usually do fresh-off-the-waffle-iron waffles.
I think we’ll stick to this Dairy-Free, Gluten-Free Waffle recipe.
And the Flourless Fudge Cookies looked so good, but I messed up the recipe by using whole eggs instead of egg whites. Don’t ask what I was thinking as I apparently wasn’t! I was chatting with my sister while I was making them and maybe that’s why I failed to think about the ramifications of that recipe tweak.
The batter was really soupy, so I decided to try adding in some gluten-free oats and chocolate chips. It didn’t seem to make that much of a difference as the pan of cookies clearly shows. 🙂
My brother was over and he walked in the kitchen saying, “It smells so good in here, what are you making?” After seeing the pan of “cookies” (if you can call them that), he wasn’t quite as excited about the good smells. Instead he asked, “What is THAT?!”
Kathrynne, sweet girl that she is, tried to console me by saying, “Mom, I think they look good.”
Despite how flat, run together, and crumbly the cookies were, they actually tasted great. And I think the recipe would be really good if I used egg whites instead of whole eggs.
Oh when will I ever learn to stop making so many substitutions?!? 🙂
Have you had any recipe successes or failures recently?
Supermarket Savings Tip #5: Pay Attention When They Scan Your Coupons
Supermarket Savings Tip #5: Pay Attention When They Scan Your Coupons

Elizabeth emailed in the following tip:
Both this week and last week when I used my coupons, the cashier had to manually enter a coupon — and she entered the wrong amount!
Last week the cashier entered two $3 off coupons as only $1 off! Today it was $0.10 off instead of $1 off. (and it was two different stores, two different cashiers)
Thankfully, I was paying attention and asked and it was quickly corrected. But today she fixed it in the middle of scanning my coupons and missed another coupon entirely. I didn’t catch that one until after I paid, but I went back quickly and she fixed that, too.
I am not always able to pay attention when they scan my coupons, whether it’s because of the children or because I’m loading the cart or whatever it might be, but I will definitely try harder in the future! It certainly saves money!
Ask the Readers: What can kids do to make money?
Today’s question is from Marijo:
What are some suggestions for ways kids can earn money? -Marijo
Do you have a question you’d like to ask Money Saving Mom® readers? Read the submission guidelines and submit it here.
Supermarket Savings Tip #4: Check the sale ads when planning your menu
Supermarket Savings Tip #4: Check the sale ads when planning your menu
Want to know a quick way to shave a little bit off your grocery bill each week?
Check the sale ads when you’re planning your menu.
Most larger store chains have their sale ads online, so you can quickly pull them up and browse them when making your menu. Not only will this give you some extra inspiration for meal ideas, but you’ll also be more apt to plan meals around what is on sale at the store instead of just going off of whatever sounds good.
It so simple, it only takes 10 extra minutes or so, and it can easily save you an extra $10 or more on your weekly grocery bill.
For more practical help, be sure to check out my Menu-Planning on a Budget: Part 1 and Menu-Planning on a Budget: Part 2 posts.
Q&A Tuesday: Should I try shopping at multiple stores?
I live in a very large city & there are 3 of the very same grocery stores within a 5-mile radius of where I live. Will it do any good to check deals at each of those grocery stores or will one most likely have the same deals as the one around the corner? -Andrea
Great question, Andrea! I’d strongly suggest checking out all the stores that are within a 5-mile radius of your home, even if they are the same chain. Why? Well, here are three reasons:
1. Different stores have different markdown policies.
I’ve been amazed at the difference of markdown policies at our local Dillon’s stores. One store routinely marks things down at least $0.50 more than the other store. For instance, one store will mark down bagged salads to $1.69 while the other store will mark down the exact same salads to $0.99. By shopping at the store with lower markdowns, I can often save at least a few extra dollars each shopping trip.
2. Some stores are more coupon-friendly than others.
Stores in the same chain can vary widely in their friendliness toward coupons. Usually, if the manager is coupon-friendly, this will trickle down to all the staff. It will save you time and effort to shop at the store that is most accepting toward couponers.
3. Some stores have better stock than others.
If a store doesn’t keep their sale items in stock, it’s rather pointless to shop there regularly. Finding out which store in your area is the best at keeping their shelves stocked–especially when there’s a great deal or loss leader–can save you time and hassle.
Take Time to Investigate–and Then Shop With Confidence!
When you first move to an area (or are first starting to practice strategic shopping), take a few weeks or months to shop at different stores within a close radius of your home to check them out. After a few regular visits to different stores, you’ll probably have a good idea which one(s) are the best to routinely shop at. Once your investigative period is over with, you can streamline your life by doing all of your shopping at the store(s) you found to be the best.
Do you think it’s beneficial to check out all the stores in your area, even if they are the same chain? If so, why? I’d love to hear your thoughts!
This week’s gluten-free menu
German Chocolate Fudge Bites I made last week–so good! {And yes, I added mini chocolate chips. Why, of course! :)}
Thank you all for the gluten-free lunch ideas. I really appreciated your suggestions and feel re-inspired again!
Here’s this week’s menu:
Breakfasts
PB&J Milkshakes
Oatmeal (used gluten-free oats)
Hard-boiled eggs, granola bars
Chocolate Peanut Butter Smoothie (we’ll sub the chocolate milk for homemade chocolate almond milk)
Coconut Flour Waffles, scrambled eggs, fruit
Peanut Butter Swirled Banana Shake
CerealLunches
Hard-boiled eggs, almonds, veggies & fruit
Refried beans, chips, fruit & veggies
Beans & Rice, veggies
Salmon, veggies, fruit, corn chips
Baked potatoes with fixings, fruit
Leftovers x 2Snacks
Fruit/veggies
Flourless Fudge CookiesDinners
Dinner with extended family
Dinner out
Easy Garlic Chicken, Rice, Steamed Veggies
Frito Chili Pie, fruit
Goulash, tossed salad
Hamburgers, Sweet Potato Fries, steamed veggies, fruit
Dinner with friends (we’re bringing dessert–I’m thinking these Triple Chocolate Flourless Brownies.)Freezer Cooking
Coconut Flour Waffles
Flourless Fudge Cookies
Easy Garlic Chicken
What’s on your menu this week? Share details and/or your link to your menu plan in the comments.
OVER-SPENDING EVERY SINGLE MONTH?Grab these FREE Budgeting Sheets!
Click here to download!When You Can’t Save More, Try Making More!

Guest post from Laura Vanderkam
It’s the first commandment of personal finance: live within your means.
Sometimes that means spending less; but as Crystal has pointed out, there’s a second way to live within your means…
Increase your income.
There are lots of ways moms can earn money, even if you don’t want a regular full-time or part-time job, and even if you’ve been home with your kids for years. I also think there are lots of reasons savvy home economists should try to earn good money. After all, if you’ve learned to live on one income, becoming a two-income family means that anything you can bring in (after taxes and childcare expenses) can go toward big goals!
Unfortunately, because many moms do want to work from home, there are lots of scams out there. Your best bet to make sure you’re working for a reputable business is to start your own business. If becoming an entrepreneur sounds intimidating, just remember that entrepreneurs solve sticky problems in a brilliant fashion. What do moms do…? 🙂
So make a list of all the skills you have that someone might pay for. If you’re not sure what might be in demand, head over to sites like Urban Interns, Mom Corps, Elance, and even Craigslist to see what kinds of ads employers and job seekers are posting.
Do you have any of these skills, or could you learn them with some time spent at the library or reading up online?
Some options for at-home jobs include:
- Ghostwriting
- Copywriting
- Editing and proofreading
- Website help (development, design, trouble-shooting, virus repair, etc.)
- Social media
- Public relations
- Virtual assistant work
- Bookkeeping
- Research
If you’re into creative and artistic work, you might hunt around on Etsy to see what’s selling, or through local artists’ markets.
If you don’t want to work from home all the time, there are plenty of other business concepts with flexible hours and low barriers to entry:
- Party planning (and running)
- Organizing
- Staging yard sales or selling things online for people
- Tutoring (school skills, musical instruments, foreign language, SAT/ACT, etc.)
- Housekeeping
- Errand running
What would you enjoy?
Choose one skill and focus your efforts on that concept. Hunt around for other people who are doing this. Research what they charge. Pick their brains for advice if they’re up for it. Make a list of why you’re good at this particular skill, such as relevant experience from the past, or any volunteer work you’ve done.
Next, make a portfolio of work. Can you show evidence of this skill by doing a project for a friend, your church, or a non-profit you work with? Get results you can point to: three high schoolers who raised their GPAs thanks to your tutoring; before and after photos of a messy office you organized; a brochure you wrote for a local non-profit that helped increase the number of names in their donor database by 25 percent. You get the idea.
Once you’ve got a portfolio, you’re ready to get out there. Email or call everyone you know and say you’re looking for leads. Mention your results. You may need to be persistent, but soon you’ll land your first paying gig. Do a bang up job on that and you’re on your way.
There’s more to running a business, of course, then just getting started. But you’ll pick up skills as you go. The important thing to remember is that you can do this. Don’t sell yourself short.
You’ve already been doing valuable work for years. Now, you’ll just get paid for it!
Laura Vanderkam is the author of All The Money In The World: What the Happiest People Know About Getting And Spending, out from Portfolio on March 1. She is also the author of 168 Hours: You Have More Time Than You Think. She lives with her husband and three children and blogs at Laura Vanderkam.
Supermarket Savings Tip #3: Bring a Calculator With You When You Shop
Supermarket Savings Tip #3: Bring a Calculator With You When You Shop
One simple way to save money on your grocery bill is to always bring a calculator with you when you shop. I’ve done this for years and it’s been a huge help.
Why You Should Always Shop With a Calculator
1. You can keep a running total to make sure you’re not going over budget.
Since I use cash when I shop, it’s important to keep a tally of how much I’ve spent so far so that I don’t get up to the register and not have enough money to pay for my groceries. Keeping a running total also encourages me to carefully evaluate all purchases as I put them into my cart–and it helps ward off the temptation to make impulse purchases on things I don’t really need to buy.
2. You can easily compare the cost per ounce.
Some grocery stores have the cost per ounce right on the price tag, but many stores don’t. This is when a calculator is your best friend. Instead of trying to stand there and work out the equations in your head or scratch them out with a pen on your grocery list, whip out your calculator and you can quickly figure out which product is a better deal to purchase.
3. You can quickly tell if you were incorrectly charged at checkout.
I can’t tell you how many times I’ve been overcharged at the checkout lane because something didn’t ring up right, they didn’t scan all of my coupons, or my coupons didn’t deduct the right amount. If you keep a running total of how much you’ve spent, you’ll instinctively know if something’s amiss at checkout and you can immediately check the receipt to figure out the issue and get it corrected.
Do you use a calculator when you shop?
A little peek into my crazy weekend
The last few days have been a bit on the crazy side. I was scheduled to take a short trip to Los Angeles for a video shoot for a BBC project. Since it was going to be so close to where Jessica lives, she was going to drive up and spend the afternoon/night with me.
All went smoothly until I landed in Dallas. Then pretty much nothing went smoothly.
The flight was delayed by an hour. We took off and then had to re-land because something malfunctioned on the plane. They couldn’t fix it, so we had to wait for five hours while they found another plane we could use.
I finally made it to LA–where Jessica had patiently been waiting for over five hours for me to show up! Poor thing, I felt so badly she had to wait forever for me to show up!
But we made up for lost time and had a wonderful dinner in an outdoor French restaurant and stayed up talking until 2 a.m. We walked around Santa Monica the next morning and had breakfast at another cute crepe restaurant.
And then Jessica had to head back home and I headed to the studio to do 20 one-minute video clips. I called and asked Jesse to please pray for strength for me as I was wiped out and exhausted and wasn’t sure how I was going to pull off all that filming–especially since the whole on-camera thing is still way outside my comfort zone.
But it all ended up going really well, the crew was fantastic to work with, and I honestly forgot how tired I was when I started talking about saving money and simple things moms can do to make a big impact on their finances. And despite my fear of cameras, I actually ended up having a lot of fun!
I got back to LAX in the early afternoon and prepared for a nice quiet trip home. I should have known better!
When I got to the gate, I found out my flight had been delayed by 20 minutes. Not too big of a deal–except that meant my layover in Dallas would only be 20 minutes, and that was cutting it quite close.
I talked to the guy at the desk and he just shook his head and told me that it would be awfully hard for me to make it onto the second flight. However, he generously offered to move me up to near the front of the plane to help buy me a little more time to make it to my gate when we landed in Dallas.
We got on the plane and all was going well until about five minutes before we were supposed to take off. The pilot came over the loud speaker and said that the co-pilot was missing and we were waiting for him to arrive. Um, that was not a good sign.
We ended up waiting another 15 minutes for him to get there and my chances of making my next flight were pretty much evaporated by then. So I resigned myself to staying the night in Dallas as it was the last flight out on Saturday evening.
When we finally landed, I got off the plane as quickly as I could and made a beeline for the second flight, in the off chance it had been delayed. Nope, it had pulled out of the gate 10 minutes before I got there.
Oh well, at least I got in a good run. 🙂
By this time it was almost 10 p.m. and I was thoroughly wiped out. I made my way back to the gate I’d come from and got in line to get a hotel voucher and to get my ticket changed for the next day.
There were lots of people in line, it was chaos at the counter, and they were very under-staffed. I finally made it to the counter about 20 minutes later and a man who had just come on shift tried to help me get the hotel voucher and ticket changed. It was pretty obvious he didn’t know what he was doing and he had to make phone calls a few times to try and figure out how to get my flight changed.
He eventually got it squared away and handed over my hotel voucher and ticket for the next day. He told me to go run down and get on the gray bus marked “hotel shuttle” before it left. I hurried as fast as I could and located the gray bus, but they said my voucher wasn’t for the hotel they went to. Two more gray buses came and they both said that my voucher wasn’t for a hotel they went to, either.
I was beginning to get a little concerned. It was dark, it was late, and the airport was fairly deserted. And here I sat on the curbside waiting for a phantom bus to come pick me up. Finally, another bus arrived and they told me it was for my hotel.
I eagerly hopped on board, so thankful I was going to be able to go to bed soon! But I began to get worried when the bus drove quite a ways away from the airport. It seemed odd that the airline would put me up in a hotel so far away.
However, they’d told me it was the right bus, so I figured they must have just run out of hotel rooms close by or something.
When I got to the hotel, my gut feeling was confirmed: I was at the wrong hotel. Apparently, I was supposed to get on the red bus, not the gray bus. And of course, my voucher wouldn’t work at this hotel. They said they’d drive me back to the airport and drop me off to wait for the red bus to come.
The thought of going back and standing out on a dark, deserted curb at 11:30 p.m. at night to wait for another bus after everything that had happened over the past two days was just about the last thing I wanted to do. So, chucking my frugal nature out the window in favor of practicality and my need for sleep, I said, “Can I just pay for a room?”.
And I think it was $79 well spent. 🙂
{By the way, I did finally make it home in one piece at 11 a.m. yesterday morning. I was never so happy to be back home again!}
10 Weekly Goals
I’m finally getting this post up tonight–hours later than I’d hoped. I was rather exhausted today after a crazy weekend trip (more on that in a little bit), so I spent most of today just snuggling and reading with my children and trying to get back into the swing of things.
Here’s my goal update:
Last week’s goals:
Family/Mothering Goals
1. Finish reading The Boxcar Children and read at least 3 chapters of Corrie Ten Boom aloud to the children.
2. Continue our Countdown to Easter study as a family.
3. Write a love note to Jesse.Personal Goals
4. Finish reading Rekindling the Romance: Loving the Love of Your Lifeand Leadership As An Identity.
5. Complete week 6 of the Couch to 5K program.
6. Listen to at least one hour of The 10 Habits of Happy Mothers.Home Management
7. Implement our tweaked morning, afternoon, and evening routines.8. Finish Andalutheean Knitted Dishcloth.
9. Make Homemade Naan.Business Goals
10. Outline my talk for the MomLife Bootcamp in March.
This week’s goals:
Family/Mothering Goals
1. Finish reading Corrie Ten Boom aloud to the children.
2. Continue our Countdown to Easter study as a family.
3. Write a love note to Jesse.
Personal Goals
4. Finish reading Leadership As An Identity.
5. Complete week 7 of the Couch to 5K program.
6. Listen to at least one more hour of The 10 Habits of Happy Mothers.
7. Write two handwritten notes.
Home Management
8. Clean out and organize our bathroom drawers.
9. Finish Andalutheean Knitted Dishcloth.
Business Goals
10. Outline my talk for the MomLife Bootcamp in March.
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.
Wishing you could find some great friends in real life?
The internet is a wonderful place to find all sorts of fascinating, uplifting, and educational stuff. I’ve been blessed beyond words by the things I’ve read online and by the people I’ve met online.
But while online relationships can be great, face-to-face friendships are so important. In fact, I’d go so far as to say that they are vital and necessary to living a thriving and rich life. Talking through a computer screen just never has the same effect as sitting down over a cup of coffee with someone.
And that’s why I’m thrilled that one of my favorite sites is hosting their first ever “un-conference”.
Instead of having to pay airfare and hotel and conference fees, instead of having to figure out how to work out the logistics of leaving your family behind, and instead of having to worry about packing your bags, you can save your money, stay home, and enjoy a fun meet-up in your local area with other women who are craving deep, rich, close friendships and local community.
Details About the (in)RL Event:
What’s it called: (in)RL {short for “IRL” or “in real life”}
When is it: A couple hours each on Friday & Saturday April 27 & 28, 2012
What’s it about: Creating a catalyst for women to connect in real life, right where they are.
Why’s it special: It’s the un-conference that comes to your doorstep; just meet up with girl friends and tune in to our online webcast.
Who’s it for: For the women who’ve been hurt by friends, for the women who’ve been healed by friends, for the women who crave local Jesus community, for the women who wish they had the time, baby sitter or budget for a girl’s weekend away.
Find more details here.
Want to participate in this exciting event happening in cities and towns all around the world? Visit the (in)RL website for more details and find a meet-up in your local area (or sign-up to host one).
And if you live in the Wichita, Kansas area, be sure to sign up for the (in)RL meet-up that Amy from Amy’s Finer Things and I are hosting.
PSST! All hosts also have the opportunity to purchase BeachHouse in a Box Kits. These kits includes home decor items and guest giveaway kits that are available for purchase at incredibly discounted prices. You can read more details on these kits here.













