
Whisk Together shows you how to make homemade frozen waffles .
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.

100 Creative Ideas for Frugal Fun with Kids!
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.

Whisk Together shows you how to make homemade frozen waffles .
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.
Freshly-made Orange Carrot Juice
I’m back to posting regular menus here again, after taking four weeks off. Here’s what we’re planning to eat this week:
Breakfasts
Cereal
Fresh Carrot/orange juice, toasted bagels
Waffles, oranges
Oatmeal
Pumpkin Chocolate Chip Muffins, fruit
Raw Veggie Cereal (this sounds so intriguing that I just have to try it!)
Toasted bagels, eggs, fruitLunches
Tossed salad with sliced chicken
Macaroni & cheese, peas
PB&J, carrot sticks, apple slices
Refried beans with cheese, carrot sticks
Cheese quesadillas, carrot sticks, fruit
Leftovers x 2Snacks
Chocolate Granola Bars
Healthy Chocolate Mousse
Pumpkin Chocolate Chip MuffinsDinners
Steak, potatoes, broccoli, fruit
Black Bean & Taco Bake, tossed salad
Hamburgers, tater tots, steamed veggies
Cheesy Chicken & Rice Bake, tossed salad, grapefruit
Build Your Own Haystacks, fruit, brown rice
Dinner out
Dinner with extended familyFreezer Cooking
Beef and Black Bean Taco Bake
Chocolate Peanut Granola
Cinnamon Swirl Banana Bread
What’s on your menu this week? Share details and/or your link to your menu plan in the comments.
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
I’m honored to be guest posting over on Get Rich Slowly today about How We Paid Cash for Our First Home. Here’s a snippet:
When my husband and I got married nine years ago, we had an audacious dream of paying cash for our first home. At that time, it was very much a far-off dream — we were just trying to survive the rigors and expenses of law school without going in debt. That alone was a seemingly gigantic feat.
But after three years of law school, my husband did graduate without debt, passed the bar, and we started planning for the future. Since we’d been renting for almost four years, my husband had a good job, and our second baby was on the way, pretty much everyone expected that buying a house would be in our immediate future.
I mean, after all, isn’t buying a house the responsible thing for a young couple to do? Well, maybe — or maybe not. We didn’t have much money in savings, and we weren’t sure how long we would be living in the town we were in, so we chose to go against conventional wisdom and continued renting.
There are lots of interesting comments in the comments section on the pros and cons of renting versus buying and mortgages versus cash that you might want to check out, as well. As I’ve mentioned many times before, remember that what worked for us won’t necessarily work for you in your own unique situation, but we hope that our story can serve as an inspiration for you to set big goals and work hard toward them.
Perseverance, persistence, and patience does pay off!
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.

Guest post from Lacey of Live Loved
I used to ride the New Year’s Resolution bandwagon…every single year.
The problem was, I always ended up falling off pretty quickly. I can’t tell you how many goals and resolutions I’ve made, only to forget about a month later: resolutions to lose weight, exercise more, spend less, drink less caffeine, and wash my hair more regularly.
And then, my eyes were opened to the beauty of a plan.
Thanks to Michael Hyatt’s Creating Your Personal Life Plan and Crystal’s insightful and practical posts on setting and carrying out goals, I’ve come to realize that what I needed was not more goals, or better goals, or more discipline. What I needed was a plan.
And so, I did just that. I followed the steps outlined in Hyatt’s life plan guide, and was really pleased to have a plan that covered all the areas of my life that were important to me, and that helped me to envision the future I wanted to see some day. I walked into that plan with so much excitement.
But I forgot one important thing: the importance of regular review. It’s not enough to create a well-thought out plan of action. It’s not just enough to take the time to break your goals down into bite-sized chunks like Crystal talks about so often. You have to take the time to review, to remind yourself of your plans and vision, to see how you’re doing in achieving your goals, and to prepare yourself for any hiccups your week might have.
It’s why Michael Hyatt suggests a weekly review, as well as a day or two once or twice a year to intentionally review your plan. It’s the same reason Crystal posts her weekly goals, as well as reviews the ones from the previous week.
Not sure what to do in your review time? Here are some suggestions:
Even if you were to use the maximum amount of time for each of these areas, you would spend less than an hour of your week reviewing your plan. But look at the results you would reap from that hour: accountability in keeping your plans, refreshment in reminding yourself what your goals are and your progress toward them, preparation for the week ahead.
I think we could all agree it would be an hour well spent.
Do you take the time to review your plans and goals on a regular basis? If so, what tips do you have for others in doing so? If not, what could you do to help yourself take this time this week?
Lacey lives in Lubbock, Texas with her husband, Kade, and sweet daughter, Selah. She regularly captures her musings on all things related to being wife, mommy, and recipient of grace at her Live Loved. There’s usually a cup of coffee involved.
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
I’m so encouraged to look over my Goals for 2012 and see that I’m slowly chipping away at them. Settings goals for each month and breaking those down further into goals for each week is helping tremendously. It’s amazing how just making a plan and working the plan little by little can start adding up to a lot of progress!
Here are my goals from last week:
Family/Mothering Goals
1. Finish reading The Boxcar Children aloud to the children.
2. Go to Florida with Kaitlynn for a FamilyLife speakers/MomLife writers.
3. Write a love note to Jesse.Personal Goals
4. Finish reading How to Write a Book Proposal & The Now Habit.
5. Complete week 2 of the Couch to 5K program.6. Finish listening to the Developing the Leader Within You audiobook.
Home Management
7. Put together two weeks of pages for my Project Life album.
8. Finish knitting the Squidge dishcloth.
Business Goals
9. Finish writing an article for RooMag.com.
10. Participate in Twitter chat with @TwitterBooks on Friday (we’d love to have you join us! It’s slated for 3-4 p.m. EST).
This week’s goals:
Family/Mothering Goals
1. Finish reading The Boxcar Children aloud to the children.
2. Take Kathrynne out on a mother-daughter date for her birthday.
3. Take the children to an indoor play area for Kathrynne’s birthday.
Personal Goals
4. Finish Loving the Little Years and finish listening to the Developing the Leader Within You audiobook.
5. Complete week 3 of the Couch to 5K program.
Home Management
6. Put together two weeks of pages for my Project Life album.
7. Finish knitting the Squidge dishcloth.
8. Make Homemade Hair Detangler.
Business Goals
9. Finish writing an article for AllYou.com.
10. Put together photos and talking points for my appearance on the 700 Club.
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.
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
After taking almost six weeks off from using coupons, I’m excited to be back and at it again! I went to Dillon’s, Target, the health food store, and Bath & Body Works on Saturday and here’s what I ended up getting:
Total spent for all items shown above: $11.35
Here’s the price breakdown:
Bath & Body Works — picked up the free Chiffon lotion
Health Food Store — Bought: 4 grapefruit at $0.25 each — $1, 10 oranges at $0.20 each — $2, 5-lb. bag of organic carrots — $2.49, Organic leaf lettuce — $1.79, Rudi’s Bagel Thins — marked down to $0.99. Total with tax: $8.87
Dillon’s — Bought: 10 LUNA bars priced at $1.09 each. Used 10 $0.50/1 coupons (doubled — my mom had picked these up in some coupon booklets at the health food store). Total with tax: $1.33
Target — Bought: Fantastik — $1.97, used $1/1 coupon (no longer available) = $0.97, Reach Floss — $0.97, used $1/1 coupon (no longer available) = free. Total with tax: $1.15
I was disappointed that Target was out of almost everything I was hoping to buy–including the free KRE-O sets. Oh well! This week, I’ll try to make it there before Saturday so that I can (hopefully!) find more items in stock!
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
Plan It, Don’t Panic — This ebook on menu-planing is a fantastic resource for anyone who really wants to menu-plan but is struggling with how to do it. Written by my friend, Stephanie, it provides the tools, step-by-step help, and practical inspiration you need to successfully plan and follow menus.
Even though I’ve been menu planning for years, this ebook breathed new life into my resolve to menu plan and gave me lots of helpful suggestions and fresh advice. I found some new tips and websites to try out that I’d not heard of before and also found it very helpful to step back and examine if my current method of menu-planning is working well for our family or not.
This ebook covers menu-planning on a budget, eating from the pantry, how to create rotating menu plans, how to incorporate freezer cooking into your menu-planning to make life simpler, and how to serve your family healthful meals without spending hours in the kitchen every day.
The wide range of topics it covers includes:
You want to know one of my favorite parts of the ebook? She included full four weeks of meal plans at the back of the ebook. Reading through fully-laid-out menu plans that others have put together always gives me new ideas and suggestions to try at our house. I also loved all of the helpful printable forms and worksheets at the back of the ebook.
If you’re considering purchasing a copy of Plan It Don’t Panic, Stephanie is offering a 20% discount on PDF copies purchased through her site. Just use coupon code MSM20 and you’ll get 20% off, making it just $3.99. This offer is good through January 27, 2012.
How to Write a Book Proposal — I’m getting ready to write a proposal for my next book and found this book invaluable. It’s packed with helpful information on how to approach writing a book proposal as well as practical help for writing a proposal, securing a book deal, and how to approach the whole book-writing process with a standard of excellence. I learned a lot from it and would recommend it to anyone who is considering writing a book.
How Do You Kill 11 Million People? — This book was a quick and thought-provoking read. I wasn’t sure that I liked the format that almost half of the book was a Q&A with the author, but it really made me think–which is always a good thing!
Have you read any good books recently?
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
Kathrynne, Kaitlynn, and Silas started ice skating lessons last week. None of them have had ice-skating lessons before and the girls have only been ice-skating once before, so it was fun to watch them go and do something new and learn lots of great character in the process (persevering even when you’ve fallen down multiple times, etc.)
Silas is still working on facing his fears :), but they all had a great time and are looking forward to their Saturday classes for the next few weeks.
Kaitlynn and I flew to Naples, Florida, for a retreat with all of the writers of MomLife. FamilyLife paid for the entire trip and put us up in an amazing resort (that’s the view from our resort balcony above!), fed us delicious food, and provided lots of time for us to enjoy the beach in between our planning meetings every day.
Kaitlynn had an blast playing at the beach! She was at the perfect age to really enjoy it!
The weather was gorgeous and the ocean views were breath-taking.
And then we came back to real-life again. 🙂 It’s always so good to be back home again, even if it’s a lot louder and messier than that resort in Naples, Florida was. I want to soak up every minute of the life that God has given me and embrace every part of it–messes and all!
Did anything exciting or interesting happen at your house this week?
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
Here are the freebies I’ve gotten over the past few weeks:
Free Seattle’s Best Coffee sample
Free Hills Bro Cappuccino sample
Free Betty Crocker Sugar cookie pouch
Free Seventh Generation Baby Wipes + coupons
Free Dove sample
What freebies have arrived in your mailbox this week?
By the way, if you want to start getting great freebies in your mailbox, just start signing up for the freebies I post every day that interest you. Within 4-6 weeks, your mailbox will start filling up with great freebies!
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
The following is a guest post from Emily of Our Frugal Happy Life:
This summer, we (suddenly) downsized from a four-bedroom, one-bathroom house to a two-bedroom, two-bathroom condo. We simplified everything, reexamined what we really need on a regular basis, and reorganized our home to fit us better.
However, living in a small space can be challenging at times. As I am learning to focus more on being intentional in my homemaking endeavors, I have five tips for those of you who live in smaller homes.
You will only be jealous if you want what other people have! Concentrate on what you have, not what others have. Don’t let the green envy monster get the best of you!
Be grateful that God has given you a home! Even if you feel like you’re cramped for space, many people would give anything to have the space you have. Embrace your space — and find creative ways to use it!
Use traditional spaces for non-traditional storage.
Working in a small space is so much easier if the area is organized in a way that benefits you. Here’s how I do this in our kitchen:
My health and beauty stockpile is stored in a few boxes in our bathroom closet. And like I’ve said before, not having a pantry is a good thing for me: my food stockpile is controlled!
What tips do you have for living in a small space? How do you “embrace your space,” no matter the size?
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
So, I didn’t quite get my whole Freezer Cooking List done yesterday, but I did get the wheat ground, the chicken baked, and the Chocolate Granola Bars made. {By the way, the bars are fantastic. I will definitely be making this recipe again!}
Then, it was time to get ready for a date with my husband. And, after we came home and had our family Bible Time and put the children to bed, I crashed into bed myself. So much much for my plans of running and cooking after we got home from our date! 🙂
But I tackled the Whole Wheat Waffle recipe this morning–making some for breakfast and cooking the rest while we did our morning homeschooling.
And the kitchen, naturally, turned into somewhat of a disaster zone (it seems to be able to go from clean to this in about two minutes flat, I kid you not!).
I made the mistake of running downstairs to check something on my computer. Only to forget I was also cooking a waffle at the same time. Gratefully, I smelled a burned smell and quickly raced upstairs to rescue the waffle before it got too burned.
After lunch, the children watched a DVD for school while I participated in a Twitter chat with @TwitterBooks. So fun! Thanks to those of you who joined in!
And, then I whipped up a batch of Pumpkin Chocolate Chip Muffins before heading to get ready for a movie night at our friends’ house tonight.
It feels so good to have some baked goods in the freezer again–even if it did take me twice as long to make them as I was planning on it taking me! Hopefully, next week’s Freezer Cooking session will be more efficient than this week’s. But if not, oh well, sometimes that’s just life with three children! 🙂
Did you get any baking or cooking done today?
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.
I’m honored to be guest posting over at Simple Mom today on a rather controversial subject: why I use cash instead of credit cards. Here’s a snippet of my post:
We have a policy at our house: if we can’t pay cash for it, we don’t buy it. It’s a plain and simple policy, but it’s saved us a boatload of debt, fights over money, and stress about our finances.
Sure, it has meant we’ve gone without a lot of different things we wanted over the years because we didn’t have money to pay for it. But truthfully, I’ll take the peace and freedom that comes from living without credit card debt over all the bling and stuff. It’s worth more than money can buy, anyway.
Do I think credit cards are evil? Well, I wouldn’t go so far to say they are wrong or immoral, but I would say that I’d strongly encourage anyone who is currently swiping plastic on a regular basis to step back and consider a few things…
Click on over to read the whole post and be sure to leave a comment over there to be entered to win one of 10 copies of my book!
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.

I loved this tip from Krista:
I saw the Cash4books site on your extra earning page and decided to check them out. I didn’t have much luck, so I decided to see if there were other places out there.
I found MyBookBuyer.com and started checking books with them. I am getting ready to send in 17 books which, if all are accepted, will net me $68. On the other site, I was only going to make $21. So, if you’re considering selling books, it pays to check multiple sites! -Krista
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.

Guest post from Tammy of Skinny Mom’s Kitchen
I was inspired to write this article after reading Crystal’s guest post 8 Tips for Feeding Your Family Whole Foods on a Budget over at Heavenly Homemakers.
Over a year ago, I made the commitment to start feeding my family of four healthier minimally processed foods. This decision was based on my increased food and nutrition knowledge as well as the desire to lose weight.
As I expected, I began to lose weight–40 pounds to be exact! However, the unexpected surprise was the decrease in my grocery bill.
Prior to adopting a healthier whole foods lifestyle our grocery budget was on average $800-$900 a month–and sometimes more. Additionally, we would spend another $200 a month on take-out.
Today, since increasing the amount of whole foods and decreasing prepackaged process foods we buy, we are spending $300-$400 in groceries and $50 in take-out a month. That is more than a 50% savings!
Not only are we eating better but we are saving money too! Who knew?
I also want to point out that I never use coupons. I tried a couple times but failed miserably. My grocery savings has been solely based on cooking more wholesome nutrition foods at home. Of course, I do purchase some processed foods, but for the most part I try to prepare most of our food from scratch.
Before I go over my tips I want to quickly demystify the concept of whole foods. According to Wikipedia, “whole foods are foods that are unprocessed and unrefined or processed and refined as little as possible”.
A lot of times, because we think too much into it, we become overwhelmed trying to visualize how to move towards this lifestyle. However, adopting a healthier whole foods diet can be as simple as baking cookies instead of buying prepackaged, making homemade pizza instead of ordering out, or eating brown rice instead of instant white.
It is likely that you may already be moving towards a whole food diet without even realizing it. Of course there is more to it, but even the simplest changes can have increased health and money-saving benefits.
In addition to the eight tips that Crystal offered I would like to give a few more that I have used to make whole foods affordable:
I prefer to purchase grass-fed beef but it is expensive compared to its counterpart. We are talking $5 or more a pound! So to stretch it a little further, I always add in grains or beans.
For example, when I make taco meat, I use one pound of meat, one cup of cooked bulgur, and two cups of cooked black beans. This little trick typically provides our family of four with two full taco dinners.
Do you know what you can bake with a 5-pound bag of flour (white, wheat, or flour of choice)? Well a 5-pound bag, costs around $3-$5, and will yield 20 cups of flour. Therefore, using basic recipes, with 20 cups of flour I can make either 6-7 loaves of bread, 10 quick breads, 10 pizza doughs, 120 muffins, 144 chocolate chip cookies, 150 pancakes, or a little of everything.
Of course you will also need sugar, butter, oil, and other basic ingredients. However, even with all the ingredients the savings compared to buying everything prepackage is significant.
For example, a prepackaged loaf of whole grain bread can easily cost over $3 adding up to $18-$21 just in bread. Greater than the savings is the nutritional value of the food. When you take control of preparing the foods your family eats, you are controlling the ingredients and ultimately the quality of the food.
Many people think that it is impossible to cook from scratch. I am here to tell you that not only is it possible but much easier than you think, especially with a few nifty small appliances. I use my slow cooker, rice cooker, and bread machine weekly to prepare a number of recipes from scratch.
For example, beans, shredded chicken, sauces, large batches of brown rice, honey wheat bread, and pizza dough are all foods I am able to make regularly because of these small appliances.
Admittedly, I did not do this at first. When I finally did implement this approach I saw a huge difference in my grocery savings. As with everything, just knowing what you spend is half the battle. Basically, a grocery cost spreadsheet lists out the foods you purchase along with the price. This spreadsheet is most effective when referred to as you put your grocery list together. That way you can figure out almost exactly what you are going to spend beforehand.
To start my spreadsheet, I used old grocery receipts to locate prices of the items I purchase regularly. Then I would continue to increase the list by jotting down prices as I grocery shopped. Before I knew it I had put together a spreadsheet filled with the prices of many different grocery items.
Of course prices change and you may want to try new things but it will give you a starting point to work with before you shop. There has been many times, after referring to my spreadsheet that I needed to make changes to my menu plan because I was going to be over budget.
In my experience, this has been the cornerstone to affording whole foods. All three of these concepts alone are effective in reducing stress, saving money, and eating healthier. However, when intentionally used together these three tools will provide even greater benefits. Think of it is this way.
Menu planning provides the road map for what you will eat and the ingredients to purchase. Make ahead meals and freezer cooking are the vehicles and fuel to help you get to your destination (affording a whole foods diet). It is much easier to eat healthy whole foods when they are already prepared and ready to eat. Not to mention you will also save money by reducing food waste because every food and ingredient you purchase will have an intended purpose.
The last bit of advice I can give is to start small, slowly make changes, and don’t put pressure on yourself. You are the only one that knows what is best for your family and budget.
Tammy, the author of Skinny Mom’s Kitchen, is dedicated to helping busy moms eat healthier and lose weight by teaching them how to combine calorie awareness with menu planning, freezer cooking, and other make ahead cooking strategies. She loves showing others how easy, and affordable, it is to serve their family healthy nutritious meals everyday.
Published: by Crystal Paine on | This post may contain affiliate links. Read my disclosure policy here.

Guest post from Anna of Real Ways to Earn Money Online
From the day I got my iPhone, it became one of my “can’t live without it” possessions. My excitement over my new toy only increased when I learned that in addition to playing games, tracking calories, and organizing my grocery list, I could also use it to earn money and redeemable points!
There are several different apps out there you can use for these purposes, but the following five are truly exceptional:
Field Agent is for iPhone users only. You get paid for using your phone to do things like take pictures of store displays and answer short surveys. Most jobs pay between $2 and $8 each. Payment is made with Paypal.
The Gig Walk app is also just for the iPhone, and it is very similar to Field Agent. You get paid cash for doing little odd jobs which normally involve taking pictures with your phone while you’re out and about.
The app is limited for use by people in certain geographic areas which currently include the San Francisco Bay area, Chicago, Los Angeles, South Florida, New York City, Boston, Philadelphia, and Seattle. Payout is via Paypal.
The CheckPoints app is my favorite! I use it almost every time I go shopping. You just open the app, find the products listed in the store, and scan the item barcodes with your phone.
You’ll get redeemable points for each item you scan, and you can use these to get gift cards to your favorite stores (including Amazon)! You can also earn points for downloading and trying out apps.The Checkpoints app is available for iPhone and Android users.
The WeReward app will award you points for taking pictures of yourself with different products, checking in at various places of business, and for trying out new apps. Every point you get equals one cent and most “jobs” pay anywhere from 10 points to 500 points.
You can cash out with Paypal once you have $10 in your account. This app is open to iPhone, Blackberry, and Android users.
Using the ShopKick app is a lot like using the Checkpoints app — you scan products while you shop and earn points that you can redeem for gift cards.
You can also use the app to take advantage of special in-store offers exclusive to Shopkick users. These offers are easily redeemable right at the cash register — you just let the cashier scan your phone. The app is available for iPhone and Android users.
These smartphone apps are all FREE to download and use. Just do a search for them in your app store, install, and start getting rewarded for things you do every day!
Anna Thurman researches various online money-earning opportunities and work at home jobs. Her findings are published via her website, Real Ways to Earn Money Online.
And I'll send you 1 to 2 daily emails with the best hand-picked hot deals as they become available!