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Money Saving Mom

Money Saving Mom®

Saving Families Money Since 2007

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Shared Dec 12, 2011 comment

10 Weekly Goals

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10 Weekly Goals

Published: by on   |  This post may contain affiliate links. Read my disclosure policy here.

I had a really good week last week–even if I didn’t get a whole lot crossed off my list. It was relaxing, peaceful–and I got more than enough sleep every night–which felt so good! I’ve really been trying to go to bed earlier on a very consistent basis and I’m starting to really feel the difference. Now if I can just keep this up long-term! 🙂

Last week’s goals:

Family/Mothering Goals

1. Finish reading These Happy Golden Years.

2. Do some fun Christmas crafts/activities with the children.

3. Continue unwrapping and reading 2-3 Christmas books each day.

Personal Goals

4. Finish reading Kisses from Katie and Getting Things Done.

5. Finish and order Christmas photo cards.

6. Run 6.5 miles.

Home Management Goals

7. Do at least one load of laundry from start to finish every week day.

8. Make Artisan Bread in 5 Minutes a Day.

Business Goals

9. Film some video segments for my publisher.

10. Write five posts for the 21 Days to a More Organized Christmas series.

This week’s goals:

Family/Mothering Goals

1. Finish reading These Happy Golden Years.

2. Do some fun Christmas crafts/activities with the children.

3. Continue unwrapping and reading 2-3 Christmas books each day.

4. Take the girls to see The Nutcracker ballet.

Personal Goals

5. Finish reading Kisses from Katie and Getting Things Done.

6. Run 8 miles.

Home Management Goals

7. Address and mail Christmas cards.

8. Make Artisan Bread in 5 Minutes a Day (I’m really determined to accomplish this this week–since I’ve put it off all week!)

Business Goals

9. Film some video segments for my publisher.

10. Write five posts for the 21 Days to a More Organized Christmas series.

photo credit

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.

Shared Dec 12, 2011 comment

Teaching Our Kids About Giving Without Breaking the Bank

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Teaching Our Kids About Giving Without Breaking the Bank

Published: by on   |  This post may contain affiliate links. Read my disclosure policy here.

Guest post by Elise Adams.

Even in the most media-careful home, it’s likely that our kids are exposed to the materialistic messages floating around this time of year. In my home, our kids don’t watch TV, yet they still know what a Pillow-Pet is!

Not only are we challenged to provide a happy, true Spirit-focused Christmas season for them, we are also challenged with helping them learn how to give to others without falling into the “just buy a great gift” trap. I believe that there are a few simple steps we can take to transform our children’s outlook on Christmas as they prepare to join us in giving:

1.  Help them write their own Giving List.

Just as we are making our lists and budgets, our kids can make their own list of family and friends who they’d like to give to. Maybe it’s just Grandparents, parents and siblings. Or, they may want to include a few friends. Helping them see the total number of gifts they’d like to give will instill a ‘big picture’ view for them.

2.  Encourage our kids to make gifts and recycle their treasures.

Re-gifting has gotten a bad name, yet the growing concept of green-gifting is starting to put a different spin on this old no-no. Instead of picking something we don’t like from our own stash, focus on finding ‘hidden’ treasures that our friends/family have spoken about enviously.

3. Help our kids make out a simple gift-giving budget.

Even a 5-year-old can handle a 3-person $5/each budget. An older child can understand a more complicated prioritized budget, spending more for Mom and Dad, and spending less on friends. Using the envelope system with a name for each person and the money budgeted inside can be a great teaching tool!

4. Emphasize empathy!

Talk about what each person on our child’s list likes, or doesn’t like. Start by asking our kids to remember their favorite gifts and what they are hoping to receive this year.

“How did you feel when Mommy remembered your favorite color on your birthday?” for instance. Then move into how Grandma will love the photo with a handmade frame from them, for instance. Not only will this help our children come up with gift-giving ideas, but it will expand their empathy and deepen their character.

5. Pay attention to how you are talking about this time of year.

It’s so easy to talk about running out of money, or to complain about not getting what we want this year! Are we paying attention to our own attitudes and how this is teaching our kids to think/feel about Christmas gift-giving?

Instead of saying “We don’t have money for that.” How about practicing a different message? Such as: “We’re choosing to have a simpler Christmas this year.”

Children won’t get a “poverty mindset” unless we teach it to them. Neither will they develop a healthy perspective unless we consistently model one!

Elise Adams has served clients and audiences across the United States as the NewLife Recovery Coach, offering common-sense inspiration and transforming truths she’s gathered from over 10+ years of personal recovery. Since the Summer of 2010 Elise has personally coached dozens of clients through organizing, recovery, and personal challenges.

Money Saving Mom
Shared Dec 12, 2011 comment

This Week’s Menu

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This Week’s Menu

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Breakfasts

Hard-boiled eggs, bananas
Scrambled eggs with cheese, apple slices
Bagels with peanut butter and bananas
Cookie Dough Baked Oatmeal
Waffles, scrambled eggs
Oatmeal
Chocolate Banana Bread, scrambled eggs, fruit salad

Lunches

Macaroni & cheese with baked chopped chicken, green beans
PB&J, carrot sticks, apple slices
Egg salad sandwiches, peas, pears
Black beans and rice, carrot sticks, pear slices
Tossed salad with hard-boiled eggs, feta cheese, and dried cranberries
Leftovers x 2

Snacks

Fruit/veggies
Cheese/crackers
Granola Bars
Chocolate No-Bake Energy Bites

Dinners

Baked fish, twice-baked potatoes, steamed broccoli
Cheesy Chicken and Rice Bake, fruit salad, steamed veggies
Frito Chili Pie, fruit salad, steamed veggies
Slow Cooker Chicken Tacos
Homemade Pizza in Less Than 30 Minutes, carrot sticks, pear slices
Dinner with friends
Dinner at church Christmas dinner

Freezer Cooking

Chocolate Banana Bread
Chocolate No-Bake Energy Bites
Homemade Pizza dough
Sugar cookie dough

What’s on your menu this week? Share details and/or your link to your menu plan in the comments.

Shared Dec 12, 2011 comment

Fun & Frugal Gift Idea: Oatmeal Cookie Bath Mix

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Fun & Frugal Gift Idea: Oatmeal Cookie Bath Mix

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I’ve heard of an oatmeal bath before, but I love how A Delightful Home puts a twist on this idea by pairing Oatmeal Cookies with an Oatmeal Cookie Bath mix.

You could put this in a gift basket with a box of some sort of relaxing tea and a yummy-smelling candle and you’d have a gift that many women would love.

Have you blogged about a unique and inexpensive last-minute gift idea? Submit it here for possible publication in the next week.

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Shared Dec 9, 2011 comment

10 Tips to Save on Christmas Gifts

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10 Tips to Save on Christmas Gifts

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Guest post by Ashley from Embracing Beauty

Christmas is great for spending time with friends and family, as well as giving gifts. Unfortunately, too many times, though, people don’t properly plan ahead for it and they end up making a list of money mistakes.

The key to avoiding a holiday season that puts your bank account in the red is to start planning early. Here are my top 10 money-saving tips to help you steer clear of holiday debt and to get a good financial start to the new year:

  1. Develop a Christmas budget. Keep it separate from your regular budget. Start with how much you have to spend on Christmas gifts and from there list everyone you want to buy for, how much you can spend on them, gift ideas and places to find them. Purpose to only spend the money you have and when it’s gone you stop buying. Millions of Americans are still paying off their credit cards from last Christmas, don’t follow in their footsteps!
  2. Take inventory. Check your closet, under your bed, or anywhere you might have stashed your early purchases. Try to think back, did you stock up on leather gloves at last year’s post-holiday sales? Check before buying more pairs.
  3. Host a card signing party. In lieu of gifts to friends, an easy way to save money at Christmas is to prepare holiday cards together. Ask each guest to bring cookies or an appetizer. You provide drinks, tables to write on, and a good supply of pens. It will be a fun way to socialize, brainstorm gift ideas, unwind, and fellowship together!
  4. Bring the envelopes, leave the credit cards. Allocate an amount of money for each gift and put that money into a separate envelope marked with the recipient’s name. Leave your credit cards at home. Did you know that our brains actually feel pain when we spend cash? It’s true! Spending with a check or debit card registers less pain and with a credit card almost no pain at all.
  5. Get creative. There are endless websites that can give you step-by-step instructions to make yummy desserts, gifts in a jar, or crafts to give your loved ones. Don’t forget to search for free printable gift tags while you’re at it!
  6. Consider drawing names. If you have a large family or a lot of people at the office to buy for suggest a name draw. You’d be surprised at how pleasant Christmas can be when you don’t spend a ton of money and end up stressing yourself out trying to find the perfect gift for so many people.
  7. Avoid the pseudo-deal. Avoid the “Buy More, Save More” slogans, the “Buy 2, Get 1 Free” promotions, and the arbitrary limits on purchases.  There are numerous other pseudo-deals out there and if you’re not familiar with typical prices on these items, you may fall victim to the pseudo-deal.
  8. Don’t buy for yourself. When you’re shopping for gifts, it’s easy to be tempted to buy things for yourself. Try to make this season about giving to others. It may also help to remember that the items you want now will likely be less expensive during the after-season sales!
  9. Give the gift of time. The gift of time and caring can mean much more than a present–for both giver and recipient. Shovel snow for elderly neighbors, or get a group together to surprise them with an old-fashioned caroling visit.
  10. Give practical gifts. Every year my grandmother gave me a toothbrush in my stocking. As a child, I’ll admit, it wasn’t the most exciting gift, but it was one that I would use. Even though it was a practical gift, it was still fun to open.

Last but not least, remember that the spirit of Christmas isn’t about “stuff.”  You can have a giving spirit without having a maxed-out credit card. Don’t forget the reason for the season!

Ashley is very happily married and the mother to a beautiful little girl. She teaches couponing classes and authors the frugal blog, Embracing Beauty, where she encourages others to Embrace God’s best for their finances, home, and life.

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Money Saving Mom
Shared Dec 8, 2011 comment

21 Days to a More Organized Christmas: Gift Ideas That Won’t Break the Bank

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21 Days to a More Organized Christmas: Gift Ideas That Won’t Break the Bank

Published: by on   |  This post may contain affiliate links. Read my disclosure policy here.

In this series so far, we’ve talked about the importance of creating and sticking with a Christmas budget. We’ve also discussed how to create a gift list based upon your budget.

While you can take your budget and gift list and just go pick up a gift at the store or wait and find a deal online, there are other options to traditional gifts that can be less expensive. And for some on your gift list, these would be more meaningful than just buying something at the store.

Homemade Oreos from I Heart Naptime

1. Food Gifts

Unless your recipient has food allergies, it’s hard to go wrong with food gifts. Gifts in a Jar are always popular, though I’d recommend that you make and try the recipe-in-a-jar first, before making extras as gifts. We’ve had a few that looked like a great idea but actually turned out not to work well when you dumped the contents of the jar into a bowl and put the recipe together.

I also love the idea of giving homemade cookie dough. It can be frozen and saved to use after all the Christmas goodies are eaten up. And nothing quite beats freshly made chocolate chip cookies!

Other food gift ideas: Year-Round Yum, Vinegar Infusion Set, a coffee & tea gift basket, Homemade Marshmallows, and Homemade Hot Drink Mixes,

12 Days of Christmas Gifts for Teachers from How Does She

2. Consumable Gifts

As a minimalist, I love consumable gifts! They can be meaningful and memorable, but they don’t result in clutter. I shared five of my favorite consumable gift ideas here. JesseLeigh also shared a great post last year with many clutter-free gift ideas.

Other consumable gift ideas: Homemade Body Scrubs, Gluing Craft Box, 12 Days of Christmas Gifts for Teachers, a calendar, stationery or note cards, and gift cards.

Fingerprint Ornaments from The Gardner’s Dirt

3. Handmade Gifts

Most food gifts and consumable gifts are handmade, but there are plenty of other handmade gifts that don’t fall into those two categories. Handmade gifts are usually very economical and they can be customized especially for the recipient. Not everyone appreciates handmade gifts, but even if the gift you give isn’t something the recipient loves, I can guarantee that most people will feel very honored and blessed that you took the time and effort to make something for them.

I shared a number of do-it-yourself gift ideas for children here. Amy has a great list of 36 handmade gift ideas. And Brandy blogged on some great ideas for handmade gifts that won’t cost you anything.

Other Handmade Gift Ideas: The Question Jar, Homemade Playdough, DIY Car Mat Backpack, Fingerprint Ornament, and Build-Your-Own Snowman Kits.

Those are just a few of my ideas. I’d love to hear your favorite homemade gift ideas–especially those that have been especially well received! If you’ve blogged about it, be sure to leave your link in the comments.

Practical Application

1. Sometime in the next 24 hours, sit down with your Christmas gift list and finalize exactly what you are giving each person. If you find it helpful, use the Master List here or the Organized Christmas list here

2. Plan a shopping day or days in the next week and make a plan for where and when you’ll buy each item. If you’re planning to make any homemade gifts, write down all the supplies you need to buy and block off time on your calendar in the next week to ten days to make and finish these.

3. If you begin to feel overwhelmed at any time, step back and re-evaluate whether there are some things that you can cross off your list. It’s not worth making something if you’re going to be all stressed out about it for three weeks!

Shared Dec 8, 2011 comment

A Handmade Christmas: Vinegar Infusion Sampler

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A Handmade Christmas: Vinegar Infusion Sampler

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DIY Vinegar Infusion Sampler Gift Idea

Guest post by April from Frugal Homemaking

One of the recipients on my gift list this year enjoys following a healthy eating lifestyle. I wanted to make a homemade gift, but cookies, candies, and baked goods would not be ideal for this person. I had a light bulb moment when I saw how much he enjoyed creating new salad combinations–a flavored vinegar sampler would be perfect!

Infusions lend a lovely color to the vinegar, making it a practical and pretty consumable gift. These vinegars can be used in marinades, vinaigrettes, or exchanged in any recipe that calls for regular vinegar. This gift would be perfect for those who enjoy cooking and eating healthfully or anyone with a flair for the unusual.

What you’ll need:

  • 4 glass cruets (or any small glass vessels with a narrow spout and a closure or cork)
  • white distilled vinegar, 16 oz. or more
  • 1/2 cup washed and crushed strawberries, fresh or frozen
  • 1/2 cup washed and crushed blueberries, fresh or frozen
  • 2 Tablespoon white sugar
  • 1 Tablespoon dried Italian herbs
  • 1 jalapeno pepper, chopped and seeded (always use gloves when handling peppers!)
  • 2 crushed garlic cloves or 1 tsp. minced garlic
  • colander
  • cheesecloth or coffee filters
  • 4 pint-size canning jars
  • 4 plastic canning lids
  • labels and jar baubles, optional


Directions:

1. In sterile canning jars, pour 4 oz. of vinegar in each (you may need more/less depending on the size of your cruets).
2. Add strawberries and 1 Tablespoon sugar to the first; add blueberries and 1 Tablespoon sugar to the second; add Italian herbs to the third; add jalapeno pepper and cloves to the fourth.
3. Stir the sugar and fruits until the sugar is dissolved.
4. Secure lids to canning jars. Shake to combine contents of each of the four jars.
5. Let it stand in a cool place for a few hours to a couple of weeks, allowing the mixture to steep and infuse the vinegar. Shake daily.
6. Strain the vinegar through a coffee filter-lined colander. Discard solids.
7. Pour infused vinegars into sterilized cruets.
8. Label and decorate.


Things to Consider:

  • Vinegar is an ideal medium due to its acidic properties; bacterial growth is inhibited in such an environment. It is not necessary to refrigerate these infusions, but you may do so if you like.
  • The longer you allow the infusion to steep, the stronger it will be. The longest recommendation I have seen is a month, but a week is plenty of time.
  • You can substitute an herbal fruit tea bag for the fresh fruit, but I imagine the flavor will be less fresh.
  • Do not use utensils or bowls made of reactive metals, like aluminum and cast iron.

April blogs about her attempts to live frugally, creatively, and contentedly at Frugal Homemaking. She is enjoying the wild ride of life with her husband Ben and two girls, Grace and Leah.

Money Saving Mom
Shared Dec 8, 2011 comment

Get a free personalized bookplate (+ a downloadable gift postcard)

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Get a free personalized bookplate (+ a downloadable gift postcard)

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I’ve been so touched that many of you have written in to say you ordered a copy of The Money Saving Mom®’s Budget as a Christmas gift for a friend, neighbor, relative, or co-worker. Since the book won’t arrive until after Christmas, I wanted to provide something tangible for you to give to your recipient.

Free Downloadable Gift Postcard

If you’re planning to pre-order a copy of The Money Saving Mom®’s Budget as a Christmas gift for someone, you can download this printable postcard and print it on card stock, to let the recipient know the book is on its way and will arrive in January.

Free Personalized Handwritten Bookplate

Also, my publisher is making some bookplates for me and will have them to me by the end of next week. So, if you’d like to include a personalized bookplate with a little handwritten note from me for your recipient, just fill out this form here and I’ll pop one in the mail to you. If you fill out the form by December 10, 2011, I’ll do my best to have the bookplate in your mailbox by December 20, 2011.

Thank you, thank you, thank you for how you’ve encouraged me in this book-writing adventure. I feel overwhelmed by your support and love!

OVER-SPENDING EVERY SINGLE MONTH?Grab these FREE Budgeting Sheets!

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Shared Dec 8, 2011 comment

Celebrating a Memorable Christmas on a Zero-Dollar Budget

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Celebrating a Memorable Christmas on a Zero-Dollar Budget

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Guest post by Brandy from The Prudent Homemaker

Many are wondering how they are going to celebrate Christmas this year. For them, there simply isn’t money for gifts. If that’s you this year, I have some suggestions to give you hope—and to help you give a few gifts to your family, without spending any money.

Just because you don’t have money to buy gifts doesn’t mean you can’t give anything. Look at what you already have. Do you have the ingredients to make candy or cookies? Those treats can go in stockings. Do you have items in your pantry or cupboards?

Don’t overlook the simple things. A child may love having her own bottle of shampoo, lotion, or a new toothbrush. Have you been buying clothes ahead of time at garage sales, or saving hand-me-downs from friends? Pull out a “new” clothing item for a child and wrap it up.

Look at what you already have that can be re-purposed. An old shirt, sweater, or sheets provide ample fabric for a gift (and don’t overlook the leather or vinyl on an old purse!) Don’t worry if there are holes; simply cut out your pattern around them.

You can make pajamas from a flannel sheet, or a hat and gloves from an old sweater. An old fitted sheet includes elastic that can be part of a skirt, and there’s enough left to make a nightgown, slippers, a headband, handkerchiefs, a doll, and cloth napkins for your Christmas table.

An old shirt can become a skirt, a jumper, a tie, a child’s toy, doll clothes, a scarf, or a purse. If you don’t have a sewing machine, ask someone you know if you can borrow one. (You may be surprised at how many offers will come your way when you put the word out!) Just a needle and thread is sufficient to make something. There are lots of very simple, free tutorials online.

Use a pair of needle-nosed pliers to remake an old unmatched earring into a necklace (perhaps on a ribbon for a chain). Turn popsicle sticks, dental floss, and cotton swabs into a miniature bow and arrows. Use what you have in a new way.

Give the gift of time. Most people, and especially your children, just want time. You can print up coupon books with promised activities, such as 10 cooking (sewing, knitting, painting, etc.) lessons with mom, or five stay-up-late game nights with parents.

Make your holiday bright with new traditions. Take the time to make cookies together, play games, pull taffy, read stories, and sing carols. Enjoy Christmas in ways you never have, and you will find that this may be your best Christmas yet.

Brandy writes at The Prudent Homemaker where you can find details and more information on how to make the items pictured and mentioned in this post, along with many more ideas for giving without spending.

Money Saving Mom
Shared Dec 8, 2011 comment

Do-It-Yourself: Homemade Breakfast Sausage

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Do-It-Yourself: Homemade Breakfast Sausage

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Thrice the Spice shows you how to make Homemade Breakfast Sausage.

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.

Money Saving Mom
Shared Dec 7, 2011 comment

How We Save Hundreds of Dollars on Christmas Gifts

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How We Save Hundreds of Dollars on Christmas Gifts

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Guest post by Steph from The Cheapskate Cook

When my husband and I got married, we lived in a renovated shed and had a budget that matched. I was an avid Money Saving Mom® reader, and although we’ve moved out of the shed and added two kids to our family, I’m still learning how to save money… and I’m still an avid Money Saving Mom® reader.

Over the years on tight budgets, we’ve learned a lot about celebrating the holidays on a shoestring. Here are a few things that have worked for us:

1. Use a system for family gifts

We celebrate Christmas morning with my parents and siblings, and as the kids have grown up, started school, gotten jobs, or struggled to get jobs, we decided that instead of everyone getting gifts for everyone else, we would draw names.

We also pitch in to fill the stockings, so each person gets a larger gift for one person and a small stocking stuffer for each family member. That way we can enjoy shopping for each person but don’t have the pressure of buying large gifts for everyone.

2. Don’t feel like you need to buy gifts for everyone

For most years, Chris and I just decided not to get each other gifts. It was a tradition to travel to see family over the holidays, and so making the arrangements to do that was our gift to each other. And surprisingly, when we were surrounded by people we loved on Christmas morning and we knew we were intentional about making that happen, the gifts weren’t missed. (Although I admit the other gifts from family certainly helped!)

We’ve also been selective about gifts for our friends and general acquaintances.  Some years, it was wiser to not give those kinds of gifts. However, gifts like fresh bread (I love this Very-Little-Bother-Bread recipe) and honey butter can be fun, frugal, and even a welcome alternative to the cookies so many people have in abundance.

3. Host a cookie exchange or white elephant party

Invite several friends over for an evening of coffee, hot chocolate, and treats. For the cookie exchange party, each family brings a small plate of cookies and little bags filled with 2-4 cookies to add to the exchange. When guests leave, they grab a few bags of cookies to take home.

The white elephant party is a classic. Instead of purchasing a gift, wrap something you already have at home. Then each person chooses from the pile of gifts, and you never know what you’ll end up with.

4. Remember the point to all of this

Giving gifts is fun, and someday, if we continue to use our money wisely, we’ll be able to give even better gifts. But ultimately, this season isn’t just about that, as wonderful as generosity is.

It’s about remembering and celebrating the One who gave us the best gifts: the gift of a relationship with Him and the gift of salvation. And we can do that no matter what our budget is.

When Steph and her husband got married, they lived in a renovated shed and had a grocery budget that matched. As a passionate whole-foodie, Steph was determined to continue eating healthy, minimally-processed foods on their shoestring budget. So The Cheapskate Cook was born.

Photo Credit

Money Saving Mom
Shared Dec 7, 2011 comment

Ask the Readers: How much do you budget for Christmas?

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Ask the Readers: How much do you budget for Christmas?

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Today’s questions is from Christen:

I was wondering how much people budget for Christmas? My hubby and I are trying to find a reasonable amount to budget. -Christen

Do you have a question you’d like to ask Money Saving Mom® readers? Read the submission guidelines and submit it here.

Money Saving Mom
Shared Dec 7, 2011 comment

25 Days of Random Acts of Kindness

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25 Days of Random Acts of Kindness

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Two different bloggers have challenged themselves to do one random act of kindness each day from December 1 to December 25. I’ve been so inspired by read their posts and wanted to pass them along to you:

25 Days of Christmas Blessings

25 Days of Giving

Are you doing something similar? Tell us about it!

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