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Shared Mar 12, 2011 comment

Super Savings Saturday: The I-Forgot-To-Take-Pictures edition

Published: by Crystal Paine on March 12, 2011 | This post may contain affiliate links. Read my disclosure policy here.

So, um, this was one of those weeks when life just flew by and every day was full of hiccups and interruptions (many of them wonderful, but unexpected nonetheless). And also, truth be told, I just fell off the organization and discipline “bandwagon” this week. For no good reason at all.

I bought eggs from my brother, went to Walgreens, Dillon’s and Aldi one evening and Jesse bought milk today. But, I only managed to snap a picture of my Walgreens trip. With all that took place this week and the disorganization which ensued, I was doing good to make it to the store and get the groceries put away. Taking pictures of the groceries completely slipped my mind until much of them were already eaten.

At any rate, you’ll just have to picture the pineapple, strawberries and other things I bought at Aldi, as well as the cereal and other deals I snagged at Dillon’s. And I promise I’ll try to be more organized (and not running around like a chicken with my head cut off!) next week and actually take pictures of my groceries.

Oh and in the spirit of being completely honest here, I have to tell you that we didn’t do a good job of following our menu plan and Jesse brought home dinner two nights this week, instead of the usual one night that we go out. And remember how I said I was training for a 5K and how I usually get up between 5-6 a.m. or earlier? Well, I didn’t exercise one single time this past week and I got up after 7:30 a.m. almost every single day.

Yes, it was just “one of those weeks”. I stayed up too late, didn’t follow the schedule and just generally seemed to have zero “groove” and discipline.

But now that I’ve confessed all that to you all, I am determined (by the grace of God), to get back on the bandwagon this week. So if any of you see me posting or replying to comments after 9:30 p.m. at night or you stop by my house and I’m in pajamas and it’s noon, you have my full permission to thoroughly reprimand me. Because I need to get out of this funk I got myself into this past week!

And now, I’m off to tackle my laundry pile and messy bedroom because I’ve promised myself I can’t go to bed tonight until the laundry’s done and my bedroom’s clean. 🙂

Did you snag any great deals or bargains this week or save money in other ways? If so, be sure to post about them on your blog and leave your link below. Please remember that this weekly round-up is to share deals you personally got and/or money you were able to save this week. In order to keep this weekly round-up focused on helping and inspiring others in their efforts to save money, links which have little-to-no content other than promoting affiliate links, etc. will be deleted. Also, to make it easy for everyone to navigate quickly through the links, your link must link directly to your Super Savings Saturday post.

Shared Mar 11, 2011 comment

Do-It-Yourself Experiment #3: Homemade Hamburger Buns

Published: by Crystal Paine on March 11, 2011 | This post may contain affiliate links. Read my disclosure policy here.

Those of you who have been following my blog for the past few months know that I’m challenging myself to do 12 Do-It-Yourself Experiments in 2011. So far, I’ve been loving this!

By the way, we’ve used the Homemade Dishwashing Detergent for a month now and it’s worked really well. There’s just something about scooping out dish detergent that I mixed up myself instead of buying in a package from the store which just gives you a real sense of satisfaction.

And I’m surprising myself at how much I’m liking it. I’m getting ready to do a cost-comparison to see if it’s worth continuing to do. I’m seriously considering it, but I want to break down the price per load versus what I pay for storebought detergent.

This month’s experiment was making Homemade Hamburger Buns. I decided to go with this recipe from Food.com that a reader left as a comment.

It was really simple to do — especially since I used the bread machine to mix up the dough. The only change I made to the recipe was to substitute turbinado for the sugar.

After the dough was finished in the bread machine, it took me a little less than ten minutes to roll these out and cut them into buns. And then I let them rise and I cooked them.

I still need to perfect my hamburger dough-shaping abilities, as these didn’t look like beautiful hamburger buns you’d see at the store. But they were decent and they tasted quite delicious.

The jury’s still out on whether I’ll continue to make these. Since Dollar Tree now often carries Nature’s Own hamburger buns for just $1 per package and I can also sometimes get organic hamburger buns at the health food store reduced to just $1 per package, I’m not completely convinced that this is a money-saving do-it-yourself idea for me — especially when you factor in the costs of heating the oven, running the bread machine and the time involved in making these (at least 15 to 20 minutes from start to finish).

We’ll see. One thing’s for sure: if we ever want to have hamburgers and I don’t have any hamburger buns on hand, I’ve got a back-up plan! 🙂

And in case you missed it, here’s the list of the 12 Do-It-Yourself Projects I Plan to Try in 2011:

January: Make From-Scratch Chai Tea

February: Make Homemade Dishwashing Detergent

March: Make Homemade Hamburger Buns

April: Make Homemade Laundry Soap (I did attempt this one time before, but it was with a pre-made mix someone gave me. So I’m going to try again — this time completely from scratch!)

May: Make Appliqued Flower Tee

June: Make Homemade Hummus

July: Make Freezer Jam

August: Make Homemade Soap

September: Sew a Rag Quilt

October: Make Homemade Apple Butter

November: Make Artisan Bread in Five Minutes a Day

December: Make Homemade Marshmallows

Have you attempted any new do-it-yourself projects recently? I’d love to hear how they went!

Shared Mar 11, 2011 comment

We Paid Cash: A Freezer

Published: by Crystal Paine on March 11, 2011 | This post may contain affiliate links. Read my disclosure policy here.

A testimony from Mary at Junior *gluten-free* Chefs

Every time I went to the store and saw awesome sales on meat or veggies, I wished that I could buy a bunch to freeze, because I knew in the long run it would save us so much money on groceries. But we just never seemed to be able to come up with the $250 to buy a freezer.

Our children have a lot of allergies so there really weren’t many other things I could do to cut back on our food budget. Finally, I decided to start setting aside $4 a week to save for a freezer. I knew it would take a long time but it would be worth it.

After almost a year, I had $180. I felt happy knowing we were getting closer, but thought we were still at least six months away from our goal.

Then recently, there was an “Ask the Readers” question on freezers on MoneySavingMom.com. Someone commented and said Sears was having a 30% off sale.

The freezer I had been wanting was a 6.9 cu. ft. Kenmore, and it was on sale for $174! I did a little dance. Not only was it on a great sale, but since there is a Sears store near me, I could have it shipped there for free.

We picked it up last week and I am so excited! I will now be walking to the local store every morning to check for “price reduced” meat and veggies.

Mary is a mother to three gluten-free, dairy-free, additive-free, refined sugar-free and wholesome-eating kids. They have fun sharing their thoughts about life with allergies on their blog, Junior *gluten-free* Chefs.

Have you saved up and paid cash for something — large or small? Submit your story for possible publication here.

Shared Mar 11, 2011 comment

Reader Testimonial: How I Transitioned from Working Full-Time to Part-Time

Published: by Crystal Paine on March 11, 2011 | This post may contain affiliate links. Read my disclosure policy here.

Here’s an encouraging story that Carolyn emailed in:

My husband, Otis and I greeted our new son, Gabriel, in March 2008, when we were 43 and 41, respectively. I was working full-time in a career that I loved, and was happy and content to continue until retirement.

When it came time to go back to work after a 10-week maternity leave, my heart ached with regret and I felt the nudging from God that I needed to be home full-time with Gabriel. I blamed it on hormones and thought, “I am a professional and will be able to deal with leaving my baby at a sitters. I can’t quit my job, I love it!”

The first few weeks were hard, and to my surprise the following months did not get any easier. I began praying fervently for answers, and for the grieving to stop every time I left him to go to work.

In March 2009, when Gabriel was a year old, I knew the Lord was leading me to quit my current job and work part-time. But, before anything else, we had to pay off a couple of loans in order to pay our household bills each month with Otis’ salary.

I had already started using coupons, and regularly read MoneySavingMom.com, plus we have utilized a budget for years. It was time to shave it down, and strictly follow it.

We sat down, made a plan of action to pay off a vehicle and home equity loan, as these were our only loans other than our mortgage. We figured up what we thought I would make part-time and used that for our household expenses, then we applied the rest of my full-time salary to the two bills which totaled $12,000.

In November 2009, we were on track with our payments, but again, God was telling me to set a date to leave my job. After much praying, March 31, 2010 was decided upon.

In early February 2010, both loans were paid off, so I began applying for part-time jobs. By the middle of February nothing was happening, and I was beginning to panic. I finally realized I needed to give it to the Lord because He was the One telling me to take this leap, and by the end of February a part-time job came open (100 hours a month)! It offered health insurance benefits, and mostly night shifts (so my husband could be home with Gabe).

I applied, interviewed, and was hired before my March 31, 2010 deadline. God had provided the job He wanted me to have with reduced hours, nightly shifts, and gave me a paycheck along with health insurance. Boy, He blessed us! God is so wonderful and mighty! Plus, more time with my child is more valuable than any material thing I could ever want want to buy.

Carolyn and Otis have been married for 11 years (this week) and live on 18 acres in Western Kentucky. Carolyn has Weston (20), Otis has James (24) and together they have Gabriel (2 1/2). Otis is a Deputy Sheriff, and since April 1, 2010, Carolyn has worked part-time for the Administrative Office of the Courts as a Pretrial Officer.

Do you have a story to share about your financial journey which would encourage other readers and give them hope? Email it to me and I’ll consider posting it.

Shared Mar 11, 2011 comment

Living a Zero Waste Life

Published: by Crystal Paine on March 11, 2011 | This post may contain affiliate links. Read my disclosure policy here.

A reader sent me a link to the Zero Waste Home blog yesterday. I was inspired! Here’s a video which Yahoo! did on this family that shares how they are seeking to live a Zero Waste Life:

Now, most of us probably won’t ever achieve zero waste in our homes. However, I’m motivated to think of small steps I can take to reuse, reduce and recycle.

They have a list of tips here which you’ll find interesting.

What simple ways are you seeking to reduce waste in your home? I’d love to hear!

WANT TO SAVE $100 FAST?!Join the FREE 14-Day Savings Challenge!

Click here to sign up!

Shared Mar 10, 2011 comment

Lazy Lasagna Casserole

Published: by Crystal Paine on March 10, 2011 | This post may contain affiliate links. Read my disclosure policy here.

This Easy Lasagna Casserole has been a staple recipe in our house for as long as I can remember. It is SO versatile and you can just throw in whatever you have on hand. It ALWAYS turns out yummy! (Psst! You might also love these Easy Individual Mini Lasagnas — perfect for on-the-go meals, busy schedules, single people, or hungry teens!)

We love lasagna… but I rarely buy lasagna noodles because there aren’t as many sales or coupons available for lasagna noodles as there are for spiral and rotini noodles.

So, a number of years ago, I re-did our regular lasagna recipe substituting spiral/rotini noodles for lasagna noodles and dubbed it “Lasagna Casserole”. It has since become a staple recipe at our home and it’s one of the first things I consider making when I find marked-down cottage cheese!

Why We Love This Lasagna Casserole Recipe

Not only is this casserole so delicious, but it’s also very frugal (and easy) to make.

Back when we were first married, we just left the meat out of this recipe, since it wasn’t in our budget. We like it better with meat these days, but it’s still hearty as a meatless casserole.

The best part about this easy recipe is that I never make this recipe exactly the same. It really depends on what I have on hand — so feel free to mix up the ingredients based on what you have in your freezer or pantry, or even what’s on sale at your grocery stores.

Lasagna Casserole Ingredients

1 pound ground beef or sausage (optional)
1 onion chopped (optional)
8 oz. uncooked noodles (we like spiral or rotini noodles best)
12 oz. spaghetti sauce
1 15-oz. can diced tomatoes
2-3 cups mozzarella cheese, grated
2 eggs, beaten
2 cups cottage cheese or ricotta cheese (we prefer cottage cheese and it’s typically much cheaper — especially if you can find it marked down!)
1/2 teaspoon parsley (chopped fresh or dried)
salt/pepper

Lazy Lasagna Substitutions and Additions

I seriously just use whatever pasta, cheese, tomatoes, and pasta sauce I have gotten recently with coupons and sales, so it always turns out a little bit differently. But it’s always good! Here are some suggestions for variations:

If you’re on a tight budget, simply omit the meat, or substitute cooked lentils or sauteed mushrooms.
You can use whatever noodles you have on hand.
Feel free to use more sauce if that’s your preference — even using extra sauce in place of the tomatoes.
Sneak some extra steamed and chopped veggies into the pasta sauce for extra nutrition.
You can also mix up the cheese, trying new varieties or mixing a few types. Sometimes I love to add parmesan to this recipe. Other times, we’ve even used cheddar! It might sound weird, but it gives it a bit of a different flair than traditional lasagna — and we think it’s yummy that way, too. {You may or may not agree. We can have weird and quirky tastes sometimes!}

How to make Lasagna Casserole

1. Brown ground beef and onion until cooked.

2. While the meat is cooking, boil the noodles according to the package directions.

3. Mix spaghetti sauce with diced tomatoes and browned ground beef.

4. Set 1/2 cup of mozzarella cheese aside to sprinkle on the top.

5. Combine the rest of the mozzarella cheese, cottage cheese, beaten eggs, parsley, and salt and pepper.

6. In a 7″ x 11″ pan, layer a third of the meat sauce, then the noodles, then the cheese mixture.

7. Repeat two more times.

8. Sprinkle with cheese.

9. Bake at 350º for 30 to 45 minutes (until bubbly).

10. Let stand for 10 minutes before serving.

How to serve this Lazy Lasagna Recipe

This casserole tastes great with a simple side salad, fruit, and garlic toast. It also pairs well with most vegetables and any type of bread/rolls you have in the house.

How to store Easy Lasagna Casserole

Let the casserole come to room temperature, cover, and refrigerate any leftovers.

You can also put single-servings into smaller storage containers and freeze for easy lunches.

Lazy Lasagna FAQs

Do you cover lazy lasagna when baking?

You can cover it with aluminum foil for the last 15 minutes if the cheese is getting too brown.

Why does my lasagna go sloppy?

You might have too much sauce, or it might just need to sit for a bit after baking. Try tenting your pan with foil and letting the casserole sit on the counter for 10-15 minutes after it’s done baking.

Recipe

Lazy Lasagna Casserole

Author Crystal Paine

Course Main Course

Cuisine Italian

Prep Time 15

Cook Time 45

Resting 10

Ingredients

1 pound ground beef or ground sausage
1 onion diced
8 oz pasta uncooked
12 oz pasta sauce 1/2 a jar
15 oz diced tomatoes
3 cups mozerella cheese
2 eggs
2 cups cottage cheese
½ tsp parsley
salt and pepper

Instructions

Brown ground beef and onion until cooked through. Drain.
While the meat is cooking, boil the noodles according to the package directions.
Mix spaghetti sauce and diced tomatoes with browned ground beef.
Set 1/2 cup of mozzarella cheese aside to sprinkle on the top.
Combine the rest of the mozzarella cheese, cottage cheese, beaten eggs, parsley, and salt and pepper.
In a 7" x 11" pan, layer a third of the meat sauce, then the noodles, then the cheese mixture.
Repeat the layers two more times.
Sprinkle with remaining 1/2 cup cheese.
Bake at 350º for 30 to 45 minutes (until bubbly).
Let stand for 10 minutes before serving.

Nutrition

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Shared Mar 10, 2011 comment

From My Inbox: Philadelphia Cooking Creme House Party Pack

Published: by Crystal Paine on March 10, 2011 | This post may contain affiliate links. Read my disclosure policy here.

I post a lot of free House Party opportunities and some of you are still not convinced whether you should sign up or not. So I thought you’d enjoy seeing this email from Kim:

I just wanted to thank you for posting about the Philadelphia Cooking Creme House Party. I was chosen to host a party this March and received a great party pack full of fun freebies! I’ve attached a picture. -Kim

Shared Mar 10, 2011 comment

Secrets of a Former Credit Card Thief

Published: by Crystal Paine on March 10, 2011 | This post may contain affiliate links. Read my disclosure policy here.

Secrets of a Former Credit Card Thief is a fascinating article and one which everyone who uses debit and/or credit cards needs to read in order to protect themselves:

We’ve all heard the standard tips about preventing identity theft and credit card fraud. But what would a real identity thief tell you if he had the chance? Dan DeFelippi, who was convicted of credit card fraud and ID theft in 2004, says simply this: You can’t be too careful.

DeFelippi, 29, mostly made fake credit cards with real credit card information he bought online. “I would make fake IDs to go with them, and then I’d buy laptops or other expensive items in the store and sell them on eBay,” he says. DeFelippi was also involved in several other kinds of scams, including phishing schemes that exploited AOL and PayPal customers. Committing credit card fraud is still “ridiculously easy to do,” he says. “Anyone with a computer and $100 could start making money tomorrow.”

After his conviction, DeFelippi faced eight years in prison, but under a plea deal he agreed to community service and to pay back more than $200,000 in restitution. He also worked for the U.S. Secret Service, helping to infiltrate the online underground and training agents in the latest fraud techniques. His help led to the arrests of five to 15 people over two years. Today, he’s a Web developer at a graphic design company in Rochester, N.Y. He agreed to take an hour with CreditCards.com to share his story and his top tips on how to protect yourself.

Read the full article.

photo credit

Shared Mar 9, 2011 comment

Changing My Outlook

Published: by Crystal Paine on March 9, 2011 | This post may contain affiliate links. Read my disclosure policy here.

Guest Post by Sarah from Clover Lane

So much of what we read, see and hear today are problems. Things to be solved, discussed and debated. Many of these are trivial things, but it’s hard to not get sucked in by it all. The busy-ness of being a mother and all the duties that it entails sometimes means that days fly by with me never thinking of all the things I take for granted.

I catch myself sometimes complaining about the chore of grocery shopping all the while I’m pushing my cart in a clean store with money in my pocket, throwing food in my cart for my children’s stomachs. What is there to complain about? How can this be one bit of an inconvenience to me? How many mothers in this world would give anything to be able to pick and choose what to feed their family?

I hear myself sighing loudly about the laundry, yet we are warm and clothed and have cozy beds to sleep in! I hear myself looking at my little chores with dread, but I have a house to clean, indoor plumbing and fresh water!

The last couple of years I’ve really tried to make an effort to stop myself when I hear those complaints creeping in, and thinking, “What is the other side of this?”

When cleaning the bathroom is on the agenda, I think, “What if I only had a muddy unsanitary river to bathe my babies and children in?”
When I’m tired of fixing meal after meal, I ask myself, “What if my children were crying at my feet and I had nothing to fix them?”
When I’m exasperated at picking up school shoes strewn across the floor, packing lunches, checking book bags, I ponder, “What if I had to send my child miles and miles away, barefoot, with no lunch, to a tiny dirt floored schoolhouse?”

Instead of complaining, I try to change my outlook to one of happiness and total gratitude for how blessed I am.

Sarah is a mother of five who blogs at Clover Lane. She coined the terms “Vintage Parenting” to describe how she strives to raise her children, using old-fashioned values to bring a different perspective to the pressures we all face today. She strives for the simpler, slower, family-based life.

Shared Mar 8, 2011 comment

Reader Tip: How I Save Time, Money and Energy in the Kitchen

Published: by Crystal Paine on March 8, 2011 | This post may contain affiliate links. Read my disclosure policy here.

Sabrina emailed in the following simple tips for saving time, money and energy in the kitchen:

::Buy extra veggies when they are at their lowest price, then chop and freeze them. I have found this is usually near the end of their season.

If I find bell peppers for an awesome price, I will buy maybe 8-10, take them home, slice half of them and chop the other half. They then get thrown into a freezer bag and into the freezer. I do this with onions also and it’s perfect for stir-fry.

This will save you lots of money! For example, I bought peaches for $o.49/lb in season, and my store usually has them for $2.99/lb out of season. Great deal!

::Buy discounted meat, and freeze or cook immediately. The stores will not sell outdated meat, so they are trying to get rid of it before it expires. The grocery store near my house marks the meat down two days before the “sell by” date.

I can get a five-pound pork roast for $2.00! I actually have two pork roasts, two Angus beef roasts and two packages of boneless skinless chicken strips in my freezer now, and I purchased these all for under $10 total.

::Keep inventory. I keep a pantry, freezer and refrigerator inventory list in my household notebook. It consists of a list of items, and boxes to check as I use up the items. I put one slash in each box to show quantity, and as I use the items, I put a slash in the opposite direction, turning it into an “x”. This helps you know what you don’t have to buy, and it helps you put meals together because you know what you have.

I don’t have any calculations as to how much money is saved doing any of these, but I will say that I have been following MoneySavingMom.com for about a year now, and the above tips along with the things I’ve learned at this site helped me keep my grocery budget under $40/week (and I live in California, not a cheap place to live!).

photo credit

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Shared Mar 7, 2011 comment

31 Weeks to a Better Grocery Budget Video Series: What is the Buy Ahead Principle?

Published: by Crystal Paine on March 7, 2011 | This post may contain affiliate links. Read my disclosure policy here.

Shared Mar 7, 2011 comment

This Week’s Menu Plan

Published: by Crystal Paine on March 7, 2011 | This post may contain affiliate links. Read my disclosure policy here.

Lasagna Casserole — recipe coming on Thursday

We have a really busy week this week (I try not to plan more than one or two extra things each week outside of our normal routine and schedule, but somehow I totally didn’t follow that rule of thumb this week!), so I’m sticking to super simple meals for our menu. You know, the kind which can be whipped together in 15 minutes or less.

Breakfasts:

Homemade Granola, Fruit
Toast, Scrambled Eggs, Fruit
Cold Cereal, Juice x 2
Orange Cream Smoothies, English Muffins
Baked Oatmeal, Fruit
Overnight French Toast Casserole, Fruit

Lunches:

Leftovers x 3
Macaroni & Cheese, carrots, apple slices
Peanut Butter & Jelly Sandwiches, fruit
Cheese Quesadillas, frozen veggies, apple slices
SmartOnes meals, frozen veggies, oranges

Dinners:

Marinated Chicken, Toast, Frozen Veggies, Fruit
Sausage Potatoes Onions & Carrots in the Crockpot, English Muffins, Fruit
Brown Bag Burritos (from the freezer), Green Rice Casserole (from the freezer), Fruit
Lasagna Casserole, Broccoli, Bread Machine Buttery Rolls
Dinner with Friends (we’re bringing a veggie tray and dessert)
Dinner at Extended Family’s House
Dinner Out

What are your favorite 15-minute meals?

Shared Mar 6, 2011 comment

Super Savings Saturday: Dave Ramsey Live Event + lots of great bargains this week

Published: by Crystal Paine on March 6, 2011 | This post may contain affiliate links. Read my disclosure policy here.

We spent all day driving up to Kansas City and back and attending the Dave Ramsey Total Money Makeover Live Event. It was our third time to attend and we always learn something new each time. We took Jesse’s brother with us which made it even more exciting since it was his first time to attend this event.

Jon Acuff was there (of Stuff Christians Like fame) and we enjoyed chatting with him for a few minutes about blogging and how he juggles everything he does. If you’ve not read his blog, you’ll definitely want to check it out. He’s an amazingly gifted and funny writer. I’m halfway through his book Gazelles, Baby Steps and 37 Other Things Dave Ramsey Taught Me Debt. It’s hilarious and so poignantly true.

As far as my shopping trips this week, here’s what all we ended up buying:

Dillon’s Shopping Trip #1: spent $13.98 — see the full details and coupon match-ups here

Health Food Store Shopping Trip: spent $5.32 — see the full details here

Target Shopping Trip: spent $0 (used a gift card) — see the full details and coupon match-ups here

Dillon’s Shopping Trip #2: spent $8.05 — see the full details and coupon match-ups here

Aldi Shopping Trip: spend $30.34 — see the full details here.

Shared Mar 4, 2011 comment

We Paid Cash! :: Cruise to Mexico

Published: by Crystal Paine on March 4, 2011 | This post may contain affiliate links. Read my disclosure policy here.

A testimony from DeAnna

My husband and I only take one vacation a year and usually try to plan it around October 4th in order to celebrate our wedding anniversary as well.

He is a truck driver and I am a nanny and full-time student (recent graduate, actually!), so money and vacation time are both pretty tight. However, we managed to save up enough money to not only go on a five day cruise to Cozumel, Mexico but to also take his mother and my grandmother along for the ride — all expenses paid! They’ve never been on a “real” vacation before, and his father died just six months ago, so we felt that it’d be a lovely gift to share with them. Both women live on disability/social security, so we knew that we’d be covering the whole bill.

How we saved for our trip over three months :

We used $1500 from our tax returns to pay all but $150 of the cruise. This included two staterooms, tips and insurances. The additional $150 was taken from my savings account.
I worked extra hours at work and dropped our grocery budget down to $25 a week (from $40ish) to come up with the $300 it would take to board our four dogs for a week.
My husband made an additional $3000 by staying on the road for six-week stretches instead of coming home every four weeks.

Saving for more than just the cruise

We used the $3000 to pay for gasoline from Kentucky to Miami, Florida (roughly $200 roundtrip; my car gets 40mpg, thankfully!), two hotel rooms for two nights, food for the trips down and up, spending money for everyone on the ship and ports of call and $250 for the overpriced but beautiful on-ship photos.

My husband also set aside $400 of that money to cover bills for that week, since he does not get paid vacation. We did not end up spending all of the money set aside (had $800 left!) so when we returned and learned that one of our dogs caused $66 dollars of damage, we were able to pay without blinking an eye.

Already thinking about another cruise for next year

A cruise worked well for our family because it was an all-inclusive vacation and provided many activities for everyone to do at all hours of the day.

Additionally, by booking and paying ahead, we saved a great deal of money. We saved $200 per stateroom just by booking three months in advance!

I think that my husband’s favorite part of the whole vacation would have to be the amazing food and 24-hour room service, since he never gets waited on at home and we’re too busy to cook elaborate meals.

For me, a week of pampering and getting dressed up for dinner was worth the small sacrifices made along the way and not having to work, study and keep house definitely has me saving money already for next year’s trip!

DeAnna is a recent graduate of Austin Peay State University and a full-time nanny who is currently applying to law schools and hoping to keep her family’s debt as low as possible. She and her husband of two years, Brandon, are parents to six special needs “furchildren” and are striving to be debt-free and career-secure before having children some day.

Have you saved up and paid cash for something — large or small? Submit your story for possible publication here.

Shared Mar 4, 2011 comment

Monthly Financial Update

Published: by Crystal Paine on March 4, 2011 | This post may contain affiliate links. Read my disclosure policy here.

While there doesn’t seem to be a whole lot to report this month, we were able to bump our retirement up to 10% of our income and we’ve also been working on slowly funding our children’s educational savings accounts with the amount we’ve decided to put in them. So here’s the rundown:

1. Significantly increase our giving to needs in our community and around the world. This is an ongoing goal, so we’re keeping it uncrossed off from the list.

2. Pay cash for a replacement washer and dryer for our very used set.

3. Pay cash for a replacement for Old Blue Van.

4. Pay cash for a couch for our basement family room.

5. Pay cash for bunk beds for the girls.

6. Fully fund our IRAs.

7. Bump up our retirement savings to 10% of our income.

8. Fund our children’s educational savings.

9. Double our Emergency Fund Savings (Instead of having around six month’s worth of expenses set aside, we’re planning to set aside a year’s worth of expenses.)

10. Save for our next BHAG.

We’d love to hear about your recent financial goals and successes! You can post about it on your blog and leave your link in the comments. Or, just share about your progress/goals in the comments. Let’s all keep each other accountable to be better stewards of our resources!

Summer Bucket List

Summer Bucket List

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Why We Love This Lasagna Casserole Recipe

Lasagna Casserole Ingredients

Lazy Lasagna Substitutions and Additions

How to make Lasagna Casserole

How to serve this Lazy Lasagna Recipe

How to store Easy Lasagna Casserole

Lazy Lasagna FAQs

Lazy Lasagna Casserole

Ingredients 1x2x3x

Instructions

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Ingredients