Money Saving Mom®

Once you have some basic routines in place for your daily living, it’s time to put it altogether and devise a Daily Plan and/or Weekly Plan and then branch out to planning for all areas you’ve determined to be your priorities.

1) Daily/Weekly Plan

Now, I know some of you are rolling your eyes saying, “Oh brother. Here we go again. I bet she’s one of those fanatics trying to put me on a strict schedule for each day. That will never work for me.”

Be encouraged: I am not suggesting you need to have a very regimented, down-to-the-minute schedule which you never deter from in order to manage your time well.

Yes, seriously.

Wanna know a secret? We don’t follow a strict schedule! Instead, we have a plan in place for all areas we’ve determined are our priorities and we stick with a flexible routine.

That’s what I love about the Time Budget. Always before, I’d make these elaborate schedules and then I’d never follow them longer than a week or two because I’d get so flustered because I’d crammed them so full that the whole day was thrown off whack with just one or two little interruptions.

With a Time Budget and margin planned in the day, I’ve felt the freedom to shift things around, as needed. So, if the children are playing together really well in the morning, I might just let them play 30 minutes while I finish up a cleaning project. And then we’ll just skip or condense the cleaning/playtime in the afternoon.

I think it is really helpful to go ahead and make out a specific routine for your day or week using the time budget and priorities, but use it more as a guide, not as a hard and fast must-follow-to-a-tee slave master. It’s there to give you gentle direction and oversight, not to make your life miserable!

You can see our written Daily Schedule here. However, that’s just the written schedule. We never follow it perfectly.

In fact, if you want to have a more accurate idea of what a day at our usually house looks like, it’d be more like this:

::Get up, read Bible, journal, pray

::Check email, clean out email inbox, blogging work

::Exercise, start a load of laundry

::Get children up (if they aren’t already up!), oversee their before-breakfast chores

::Get children started on breakfast (we eat oatmeal pretty much every morning), shower, dressed, make bed, clean up room

::Quick clean up of kitchen (while the children play or finish their morning chores) and make main dish for dinner (this usually involves about one minute of pulling out chicken or fish from the freezer and marinating it)

::Baths, dressed, chores (if the children didn’t finish their morning chores yet)

::Bible Time (We’re going through Teach Me About God, a Bible story coloring book and Hymns for a Kid’s Heart right now), Art (I eat a bowl of oatmeal sometime in here!)

::Kaitlynn and Silas usually go play nearby and I finish My Father’s World with Kathrynne (this is a unit study curriculum which encompasses almost all subjects, though it’s a little weak in some which is why we supplement).

::Kathrynne then works on her math lesson while I oversee and switch the laundry and finish any kitchen cleaning.

::Children watch a DVD or play while I do some blogging work

::Lunchtime and read a chapter from our current chapter book read-aloud

::Finish cleaning chores for the day

::Read to Kaitlynn and put her down for her afternoon nap (she sometimes just lays in her bed and looks at books for 45 minutes to an hour) or listens to a story CD. Recently, though, she’s been taking a good 1.5 hour nap most afternoons — probably because she’s been getting up earlier!

::Sing, rock and read with Silas and put him down for his nap.

::Return phone calls, extra projects or cleaning

::Clean out inbox, blogging (Kathrynne watches her school DVDs or plays.)

::Everyone help with folding and putting away laundry (I try to do at least one load from start to finish each day.)

::The children play together while I read, finish cleaning or extra projects.

::Finish dinner prep, set table and finish afternoon chores (if they weren’t finished earlier), clean up house

::Read together (if time)

::Dinner, family time, read Bible together

::Children ready for bed/to bed (Jesse usually gets the children ready for bed and puts them to bed and sends me to put my feet up and read or blog! Yes, I know, I’m very spoiled!)

::Time with Jesse

::Bedtime

This loose schedule is only for Monday through Thursday, as we only follow the morning routine on Fridays and then leave the rest of the day open for extra projects, errands, hospitality, getting together with friends and/or field trips. We pick one “big” fun thing per Friday to do and then also usually tackle some extra loose ends.Saturdays are much more relaxed at our house. Jesse usually takes the children out for a few hours while I have my Weekly Planning Retreat and then we just spend extra time hanging out together as a family, sometimes going out shopping or on a fun outing, sometimes just hanging out at home working on projects. We go to Jesse’s family’s house on Saturday evenings for dinner and our weekly “Family Night” (when everyone congregates to eat, catch up, play the Wii and laugh until our sides ache!).

Sundays are extremely laid back — well, apart from the last-minute rushing around to attempt to get to church on time! (One of these days we’re going to master getting three children out the door and everyone looking presentable at an early morning hour. We’re still getting the hang of that… and it seems like every time we’ve almost mastered it, we add another child to the mix. :))

We usually hang around church until we’re the last ones there and then we head to Cracker Barrel or head home for a very simple lunch and afternoon naps. We spend Sunday evenings at my family’s house (usually all the extended family comes over and we eat, talk, laugh some more and just catch up on the past week). The only project I do try to accomplish on Sundays is a quick clean-up of the house and organizing my coupons (which I do while we’re at my family’s house).

And that’s that — at least for now! Our schedule is always evolving and changing as our lives change, our children’s needs change and as new responsibilities come along and old ones are set aside.

I share these details with you just to give you an example of how our family operates (and because so many of you begged to see our daily schedule).It goes without saying, but I’m still going to say it: please, please, please do not try to copy our schedule or feel like you have to do something similar to what we are doing.

What works for our family will not work for you. Find what works for your family — be that a full-fledged schedule, a simple routine, a different schedule for each day of the week, a different schedule for each week of the month, something in between or something totally different — and do that.

The key is to make a plan and loosely follow the plan. Because a plan doesn’t work unless you do!

2) Homemaking Plan

In addition to a Daily/Weekly Plan, I’ve found it very helpful to have a Homemaking Plan. You can see my current homemaking plan here. There are also sheets available to download (for free, of course!) to create your own plan.

I don’t always get to everything every week, but by getting to most things most weeks and keeping our home pretty streamlined of clutter, things stay in fairly good shape around here most of the time. (Now, if you drop by, I can’t promise there won’t be crumbs or fingerprints or toys on the floor, but our home usually can be “company-ready” in about 45 minutes. And I’m happy with that for now!)

You can see my Daily Docket that I print and use each day here. I normally print these on Saturday for the following week and keep them in my home management binder. I try to keep it simple and only assign five to eight things (or less) on the to-do section and one to two projects/ministries per day. Whatever doesn’t get accomplished in a given day, either gets bumped to the following day, or I decide to just cross it off the list.

I try to never have more than eight items on my daily to-do list, otherwise, I find that it can be discouraging and overwhelming from the get-go. I’d rather just have three items on the list and actually get them all finished, than 30 items and overwhelm myself and finish none.

3) Blogging Plan

During my Weekly Planning Retreat on Saturdays, I map out the blogging projects and posts for the upcoming week on Google calendar and prep anything that I can. I also prioritize things by posts and projects which must be done and those which I hope to get to, but aren’t quite as imperative to write/finish.

To be honest, up until about six months ago, I mostly just blogged by the seat of my pants — without clear plan or purpose. Setting goals for my blogging posts and projects each week and then revisiting them on Saturdays has helped me to be much more intentional in my blogging. And hopefully, this has also allowed me to do a better job at the actual act of blogging. In addition, it’s helped me to actually follow through on my promises (most of the time, at least!).

4) Other Plans

Ministry Plans: On Saturdays, I also map out plans for ministry opportunities for the following week — picking out at least one to three different ways that I feel God wants me to serve or reach out to someone in our church or community. I don’t always get to all of it, but having it planned, helps me to be more purposeful in exercising hospitality, serving and meeting needs.

Homeschooling Plans: Our homeschooling curriculum doesn’t require much extra planning and preparation right now, but there are times when I spend at least a small chunk of time on Saturday planning out the projects, printing worksheets and getting things all ready so that come Monday, we’re not scrambling.

Menu Plans: Since we’re eating really simply right now, I just make sure that we have the ingredients on hand to have oatmeal for breakfast every morning, and simple lunches and dinners every day. I pick one meal off the list for dinner each night and write it on my Daily Docket the night before.

Plan XYZ: For me, I’ve found that if I have a good Daily Plan, Homemaking Plan, Menu Plan, Blogging Plan, Ministry Plan and Homeschooling Plan, life flows along fairly smoothly and doesn’t usually feel too stressful or chaotic (though there are definitely those moments!). This is what is working for me at this season of our lives. I encourage you to examine what areas in your life could be benefited by regular planning and to set aside a small time block each week to plan. At first, it might be rough going, but over time, you’ll likely really start to reap the fruit!

It’s well been said that 10 minutes of planning can save you 20 minutes in execution. And it can also save your sanity and lower your stress levels, too!

On Monday, I’ll be sharing some time-saving tips for email, blogging and the computer in general, since many of you have requested this.

Helpful Resources:

Organizing Your Life as Mom

This 125-page ebook walks you through how to create a personalized household notebook. It includes:

• worksheets to help you think through your jobs at home
• calendars that cover all the bases: daily, weekly, monthly, yearly.
• planning sheets for the holidays, your budget, your mealtimes — your life
• Download a free 15-page sample here.

Motivated Moms Chore Planner

This chore planner tells you exactly what you need to do each day to keep your home organized and running smoothly. There are a few different options to choose from and you can purchase the chore planner for November and December 2010 to try out for only $1 right now.

For years, we’ve used a cash envelope system for much of our budgeting. For those unfamiliar with the concept, it basically works like this: We have different envelopes for each area of spending (for instance food, clothing, gifts and so forth) and we have a budgeted amount of cash that we put in them every month. That’s the allotted money we have to spend on clothes and food and gifts and so forth.

Because we have a budget, we know where our money is going, we know how much money we have to spend in each category and we’re able to make sure that we’re spending our money on what matters to us — instead of just letting it pass through our fingers like sand. Having a plan for our money and sticking to the plan gives us peace, allows us to make financial traction and frees us from a lot of worry and stress.

Budgeting our money is a no-brainer for us. But truth be told, I’d never considered how this concept could be applied to my time. To me, time management had always meant trying to find a way to be as productive as possible every day.

I equated busyness with productivity. So I’d have these big, lofty plans and make these detailed schedules, but I’d always crash and burn quickly because I was trying to cram in about 32 hours’ worth of projects into a 24-hour day.

When Amy shared the concept of creating a Time Budget with me, it completely revolutionized my life.

I’d never thought to approach my time like I approached my money. Instead of starting with everything I wanted to do in a day and then trying to find a way to fit it all in (it never did because my list was way too long to begin with!), for the first time, I started with the time I had and then divvied up my responsibilities and priorities into time brackets which equaled less than 24 hours.

My Daily Time Budget

30 minutes Bible reading/journaling
1 hour with Jesse
4 hours of homeschooling, reading and playing with the children
1 hour of exercise
30 minutes shower/dress
2 hours cleaning/home management
7 hours sleeping
2 hours meals/meal preparation
4 hours blogging/computer work
2 hours of extra/”margin” time

It probably goes without saying, but I’m going to repeat it anyway: Please remember that this is my time budget which currently works for me in this season of my life. Yours will likely look much different. Do what works for you. Do not pattern your time budget after mine because it won’t work for you. I only share mine as an example, not to encourage you in anyway to emulate it — unless you want to try and get as much (or more!) sleep than I do, okay?

Keys to Success When Making a Time Budget

1. Make Sleep One of Your Highest Priorities

I used to think that burning the midnight oil would make me more productive, but I’ve actually found that I’m much more productive if I get at least seven hours of sleep almost every single night. I’ve found I’m most productive in the mornings so I make it my goal to go to bed by 10 p.m. and get up between 5 and 6 a.m.

You might be the other way around. Do what works best for you, but whatever you do, put getting enough rest high up on your priority list.

You’ll feel better and more energetic and I’d wager to guess that you’ll also find an extra hour or two of sleep at night helps you to be more productive than if you spent that time trying to pry your eyeballs open with toothpicks and get more work done!

2. Deduct at Least Two Hours for “Margin Time”

I know that there is a great temptation to fill up every single waking moment with something, but may I heartily encourage you to include at least two hours of margin time in your budget? It’s sort of like our “blow” category for our cash envelope system; we can use it for those little incidental expenses which come up that we weren’t expecting. Or, we can choose to “blow” it on something fun.

If you have margin built into your time budget, when you have someone knock at the door, or the phone rings, or the baby has a diaper blowout or the washer overflows and there’s water all over the laundry room floor, your whole day didn’t just go down the toilet. Instead, you can just stop what you were doing, deal with the unexpected interruption and then go back to what you were doing — and you know that you still have plenty of time to get everything done you needed to get done!

You know what else I love about including margin in my time budget? It means I have time to stop and really enjoy my children and seize teachable moments with them.

For instance, the other day I discovered a four-foot long black snake in our backyard. If I didn’t know that I had a time cushion in my day, being the Type A person I am, I likely would have just run on to the next task. But instead, I called the girls outside and we spend 45 minutes observing and taking pictures of the snake.

We emailed the pictures to Jesse and he looked up what kind of snake it was and researched more about it so that when he came home from work, he was prepared to give the girls an impromptu “lesson” on our backyard visitor — which they just lapped up and then enjoyed sharing with me and anyone who would listen for the next few days.

If our lives were so packed full that we didn’t have any margin in them, we would daily miss out on fun opportunities like this. Planning margin into our day gives us the freedom to be spontaneous.

3. Be Ruthless About Eliminating the Unnecessary

As Americans, I think we are sometimes addicted to busyness. We always have to be on the go-go-go. And I sometimes think we find fulfillment and self-worth in piling our plates too high. As if, the more busy we are, the more important it makes us feel.

In reality, I think our culture, by and large, is exhausted, overworked and overwhelmed.

What’s the solution? It’s really very simple: just say “no”.

Stop doing things just because you feel obligated to do them by something or someone else. Stop doing things just because you’re afraid of what people might think of you if you don’t do them.

Stop over-committing yourself. Stop letting people manipulate you into a miserable existence. Just say “no”.

Want more step-by-step help in creating a time budget and becoming a better time manager? Be sure to get a copy of Amy’s ebook.

She’s offering it for almost 50% off through midnight tonight (Friday, November 5, 2010) when you use coupon code MoneySavingMom. What she shares in this ebook has revolutionized my life — and brought so much more peace and order to our home!

Beginning Monday, I’ll be sharing more about our daily routine, my homemaking/cleaning systems and, if there’s time, some time management tips for bloggers.

If you have created a time budget, I’d love for you to share yours in the comments section so that we can all be inspired and glean ideas!

Guest Post by Amy Andrews who helps with much of the behind-the-scenes work at Money Saving Mom® and blogs at BloggingWithAmy.com

Hey there Money Saving Mom® readers! I’ve communicated with many of you behind the scenes via email, so it’s fun to have the opportunity to talk to you on this side of things. Crystal asked me to introduce myself and tell you more about time budgeting as part of her Time Management 101 series. So here’s a little bit about me…

My name is Amy Andrews (not to be confused with the very classy Amy McGuire of Amy’s Finer Things — the advertising/giveaway guru here at Money Saving Mom®). My husband Brian and I have been married for 13 1/2 years and we have 4 children.

Online, I blog at BloggingWithAmy.com which is aimed at teaching others how to start a money-making blog from scratch. I also do some blog consulting and I just released an ebook about time management called Tell Your Time which, incidentally, came to be after helping Crystal with her schedule.

Time Budgeting

If you’ve read Money Saving Mom® for any length of time, it’s likely you have heard Crystal talk about the envelope system for money management. The goal of the envelope system is to pre-determine where you will spend your money so as not to overextend yourself financially.

Earlier this year when Crystal and I discussed how to make her schedule more workable, I told her about a similar concept which I refer to as “envelopes of time.” They work the same way in that you pre-determine where you will spend your time so as not to overextend yourself commitmentally (is that a word?).

This is how the concept works (excerpt from Tell Your Time):

1. Total up the hours in a day (or week). That’s easy, 24 (or 168).
2. Make a list of the activities you want to accomplish in that time (i.e. your envelopes).
3. Divvy up your activities between your allotted time envelopes.
4. If there isn’t enough time in the day to cover one of your activities, you have four choices:

• • “Steal” time from one of your other activities.
  • Figure out a way to streamline so it takes less time.
  • Get someone else to do it for you.
  • Drop it completely.

In the ebook I move on to talk about how to determine your priorities/life goals and how to accomplish them by incorporating them into your daily schedule, but here I’ll expand on the four choices we have when we don’t seem to have enough time in the day.

1. Steal time

When the total hours of our daily activities exceed the number of hours we have in a day, it often results in us stealing time from other activities in our schedule.

For example, too much time on the computer might steal from my personal time, too much time studying for an exam might steal from my sleep or too much time shopping might steal from one-on-one time with my kids.

Often we steal time from other areas without even realizing it, or, we realize it only after it leaves a gaping hole. Life happens of course, and occasionally we have no choice but to steal time from other time envelopes. Stealing will happen, we just need to proactively make room for the deficit elsewhere.

Also, we need to remember that stealing time has a domino effect. Whenever we steal time from one area, another will always be affected.

2. Streamline

I am a streamliner. Whether I’m contemplating how to get from my house to the grocery store or thinking about a new giveaway entry system on Money Saving Mom®, I’m constantly thinking, “There must be a more efficient way to do this.”

I’m on a neverending quest to figure out how to do things quicker and cheaper. Streamlining is, no doubt, very handy when it comes to shaving off precious minutes in my schedule, but it can cause its own trouble too.

Streamlining itself takes time — time which must be accounted for. If I’m determined to find a faster route to the grocery store but I end up getting lost every time, streamlining doesn’t really work in my favor at that point.

Another downside to streamlining is paring down your schedule just so you can pack more in. It’s great to be productive, but if you’re so productive that you end up cramming your day with things that do not help you accomplish your life goals, it’s not benefiting you in the long run.

Streamlining is great when it reduces stress, however, if you’re streamlining but your stress level remains the same, you might have to consider another option.

3. Get help from someone else

Another way to combat a too-full schedule is to figure out how to get others to do things for you. In our house, my husband and I take care of various responsibilities and our children are expected to help as well. We all work together to share the load.

I’m also in favor of looking to others outside our home for help. I loved what Crystal said the other day about focusing on the things you’re good at. I am guilty of trying to do everything because I’m either too cheap to pay someone else or too prideful to ask for help.

Granted, we are on a limited budget so paying someone for help is not always an option, but I am 100% in favor of this idea. I see it as a win-win — I am relieved of something I don’t like to do or don’t know how to do, and someone else gets to make a little money doing something they’re skilled at.

But lack of money doesn’t have to be prohibitive when it comes to getting outside help. Be creative! Bartering, swapping babysitting with another mom so you can go to the grocery store alone or making a few homemade pizzas to feed a group of friends willing to pitch in and paint your house are all great ways to get help, without spending money.

And there are plenty of people who are more than willing to respond to a humble, un-reciprocated request for help. All you need to do is ask.

4. Drop It

You are only one person working within a limited amount of time. You can only do so much. If you’re like me, you might simply need to let some of your commitments go. Gone. Finished. Done. Outta here.

Now, I’m the first to say this is not always easy, nor is it pleasant, but if you constantly feel overwhelmed and stressed out, it’s likely you simply have too much on your plate.

For a long time, I kept looking for things to cut out of my schedule. The problem was, I couldn’t find anything to cut! It took me a while to figure out that I was looking for the “bad” stuff to eliminate, but all the activities on my calendar were “good” things (church ministry, building my business, excellent learning opportunities for my children, etc.). It was freeing to realize that I could choose to let go of “good” stuff in order to make room for the “best” stuff.

This is how I said it in Tell Your Time:

Are your daily activities really helping you achieve your life goals, or have you gotten swept up in the tumult of your to-dos? Whether it’s an inability to say “No,” the fear of missing something, the need to keep up with the Joneses or just careless planning, many of us are masters at committing to things that sound like great ideas, but do nothing to get us closer to [reaching our life goals]. Frankly, if they’re not getting us closer to [reaching our life goals], they’re a waste of time…no matter how amazing they are.

Amy Lynn Andrews shows step by step how to make money blogging at BloggingWithAmy.com and is the author of the time management ebook, Tell Your Time.

Note from Crystal: Use the code MoneySavingMom if you want to get a copy of Amy’s ebook (and I highly recommend that you do!) for only $7! The code MoneySavingMom is good through Friday at midnight only. Tomorrow, I’ll share more about how I’ve implemented a Time Budget in my own life and how it’s revolutionized my life.