Budget. *shudder* We love to hate them…
YOU TOO can stop the cycle and budget your finances. You don’t have to pay off cards… you can do it just to help you get less stressed when bill time comes. Message me if you choose YNAB, or join us in the family>thrifty>dave Ramsey forum. We are there every day… SEE YOU THERE!
We recently tried to purchase a home.
We got pretty far into the process. We got right to the part where they say “sign here” on the purchase agreement. And that was when my husband and I looked at each other and realized that to get this house, we would be doing the following:
- Giving our whole emergency fund in a down payment, which still wasn’t 3.5%
- Add monthly payments to the builder to get to 3.5% over the course of the next few months, effectively cutting us off from refunding the emergency fund.
- We would literally more than DOUBLE our mortgage payment.
And so we walked away. We cried. We drank. We put our 3 year old to bed, and then cried and drank some more.
And then we wondered: WHAT THE HECK ARE WE DOING? WHY AREN’T WE SAVING?????
So yesterday Mommy started the Mommy Budget. We are using the You Need a Budget software (you can google it), but are using it to follow the Dave Ramsey budgeting plan (you can read about that, too). The two philosophies work just as well as the other. YNAB focuses first on wealth building, while Dave focuses first on debt relief.
Perhaps you want to cloth diaper, but you are on a very strict budget. Perhaps you had cloth diapers but your dryer exploded and burned them all and you can’t afford to replace them all right now. Perhaps you have just started researching cloth diapers but the hardcore cloth diapering fanatics who spend $80 on one diaper cover or stay up all night waiting for a chance to bid on a hyena or something totally scare you off. You are in luck. You do not have to buy a single cloth diaper, ever, if you want, but you can still cloth diaper anyway.
Your kitchen drawer: an untapped source of potential cloth diapers. Even more so when you ignore the popsicle stick on the ground.
“You are one of those crazy fanatics scaring me off,” you might be thinking right now and I cannot, in full conscience, deny the “crazy” part, but I am serious. Our distant ancestors would think we were speaking in tongues if we ever uttered the words “bumGenius” or “Fuzzibunz” in their presence. There was no such thing as an all-in-one or fitted. When I was visiting my grandmother last summer, she came outside while I was hanging a bunch of diapers on a drying line and said, “Oh! Everything is so modern. We did not have this newfangled diaper when I was growing up.” Naturally, I thought that she was referring to my pocket diapers, but to my surprise she leaned over and picked up a prefold! So clearly, before the advent of disposables and modern cloth diaper designs, people managed to diaper their kids with what they had on hand. That means we still can as well.
Posted 03-24-2011 at 08:42 AM by Rasha
Being a parent is expensive. With little ones to care for, along with the rest of the family, everyday expenses quickly add up, especially groceries. That’s why saving money where you can is important so there’s money to put towards other needs such as new cloth diapers or a college education. Here are 5 easy ways to spend less on groceries.
1 – Coupons
I know, coupons seem like such a hassle. Who wants to clip coupons from the newspaper anyway? You don’t have to! Simply go to Coupons.com and select the coupons you’d like to have, then print them on your home printer. No unwanted coupons cluttering up your space, easy cutting and organizing, and mere moments of time spent searching for coupons you’ll actually use. Easy, quick, and convenient. Now you see how a busy mom can realistically use coupons to save money.
2 – Grocery Sales
Checking store sale circulars and in-store price reductions can easily save you lots of money, especially if you base your menu around the sale items rather than the other way around. You can be super frugal and buy only sale items then create a menu, or more realistically, select your preferences among the lower priced items. Either way your total bill will instantly be less. Furthermore, if you combine sale prices with coupons you will see big savings at the register.
3 – Stock Up
When you find a great deal on a product that has a decent shelf life (examples: canned food, toilet paper, toothbrushes, cereal) then you should stock up. Just be sure to not buy more than you can use by the expiration date.
4- Watch Price Per Ounce
We’ve been conditioned to believe that buying in bulk is always the better deal. Not necessarily true. Sometimes it is, other times it isn’t. Fortunately, there’s a very easy way to compare “price per ounce.” For most products it is listed right on the shelf price tag.
5- Swap Grocery Babysitting
The little ones are wonderful, but they can be very distracting while grocery shopping. Find a fellow mommy that you can swap babysitting with for grocery shopping so you can focus on making the most of your grocery budget without the kiddos in tow. Your friend will enjoy this too when you return the favor.