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What do you do to save money?

post #1 of 27
Thread Starter 
Hi all,

I have a 5 mo DS who I am currently at home with. I had been hoping for a part time job but I won't know about it until next month, and even then it's not a sure thing. I just paid the bills with the last remaining dollars in my bank account. We now have to live on DH's pay alone, which is possible, but I have to cut A LOT of corners to make it work. If I don't end up getting this part time job, I want to forget about working until DS is done breastfeeding, which I am hoping to continue until he is at least a year old. How do you all save money? I'm starting to freak out a little! I haven't been jobless since I was in high school!
post #2 of 27
Nak
For baby use cloth diapers and try to only buy used clothes
make your own cleaning supplies and laundry detergent,
use cloth rags and family cloth
Be mindful of electricity usage
Get rid of cable tv
Use only one car if you can
Make meals from scratch and avoid processed prepackaged food
Try not to eat out much
Avoid big box stores that lure you into buying things you don't need.
Go on a spending freeze for three weeks. During a spending freeze you only buy items that are completely necessary such as groceries, or gas. This is a great way to learn how to control spending. It's also kinda fun!

Go to mint.com and start tracking your spending. Huge eye opener for me! I had a lot of misconceptions about my spending habits until I could see exactly where I was putting money.
post #3 of 27
Thread Starter 
Thanks! I will try the website...good suggestions.
post #4 of 27
You've gotten very good advice. Depending on your job it's easier than you would think to save money while staying at home. You won't have childcare expenses, which is pricey. You won't have uniforms/special work clothes to pay for. Less gas. You'll be able to research out deals for the best price on whatever you are buying, do more from scratch, etc. You can also bring it a bit of money from doing things like swagbucks, doing surveys, even housekeeping or babysitting. I love to read thrifty forums and blogs to get creative ideas on how to stretch every penny!
post #5 of 27
Have your local library order you a copy of this: The Complete Tightwad Gazette
post #6 of 27
well ...

-homemade detergent (havent done this in about a month though, 2nd baby is here so im cutting corners)
-thrift store! i looooove my thrift store, the only thing i cant ever find there is pants.
-hang dry clothes instead of using dryer. (also havent done in a month due to the baby lol)
-cloth diapers!!! and cloth wipes
-dh takes lunch to work
-no or basic cable (although, the cable guy gave us a *ahem* good deal *ahem*)
-reusing T shirts (for bibs, cut up for cleaning rags...)
-taking the car that uses less gas to work
post #7 of 27
Lots of rice and beans.
Seriously, food is our biggest expense.
Make everything from scratch and learn which meals freeze well.
I also find that being organized keeps spending down because when you are able to plan and know what steps are next you dont have to buy anything last minute.
post #8 of 27
I have a 7 month old son whom I LOVE being home with! I cut LOTS of corners to make that possible.

Among them:

1) Cloth diapers and wipes: You don't have to invest in an expensive diaper stash. I mainly use prefolds or flats fastened with a snappi and then a Dappi cover. Dappi covers are only a couple bucks apiece and I find they work really well. I've even repurposed my excess of receiving blankets as flat diapers. For cloth wipes, you can literally use regular wash cloths. I soak them in a home made solution in an old wipes container. Also, a friend found some nice fitteds at Goodwill for me, as well a couple nice diaper covers. Honestly, I've cloth diapered son on 2 road trips, and found it fairly easy. I don't miss buying disposable diapers and wipes.

2) Breastfeed: I can't think of anything more affordable or convenient.

3) We canceled cable: It was expensive and we never watched it. We got Netflix, instead, for $8.99 a month. DH is in movie heaven! And I love having all the documentaries at my disposal.

4) Ooma: I haven't gotten this yet, but I plan to in a few months. I've heard great things about it. The idea is you buy the equipment for a couple hundred dollars and then you never pay to use your phone again. That's one bill I can't wait to cut!

5) Clean with Baking Soda and Vinegar. Chemicals are just bad and natural cleaners can be expensive.

6) Make your own laundry detergent. Hang to dry. (If you don't like how "stiff" the clothes feel, you can pop them in the dryer for a few minutes. You'll still save a ton!)

7) In the Kitchen: Cook from scratch, including making your own broth from vegetable scraps, baking your own bread, cooking and freezing beans instead of buying them canned, make and freeze your own pie crust and pizza dough. Shop at ethnic markets for the best price on spices and produce. Also, if you can't find a particular spice at an ethnic market, go to any drug store for cheap spices. Shop loss leaders. Buy frozen vegetables when fresh produce is expensive. Of course, grow your own food if you are able to. Meal planning is essential. Soups go a long way, as do casseroles. Beans and rice are cheap, as well as extremely versatile. Double favorite recipes and freeze half of them for busy days when you don't have time to cook.

8) Second hand all the way when it comes to babe. Seriously, family and friends pass down clothes to us all the time. We've bought one outfit since he was born--for a special occasion. All of his toys were either passed down to us or bought at church/yard sales. He doesn't know the difference and loves them all.

9) Don't skimp out on the fun! Seriously, there are so many free and frugal things to do! Check out your local library for museum passes! You'll find passes to zoos, science museums, art museums, history museums, etc. We recently visited a wildlife refuge. The explorations are seemingly endless. We go to a museum every week or two. Many of the passes are for free entry. Others are deeply discounted. Check out movies from your library. Read your favorite magazines for free. Our local library shows a movie every week during the summer. Plus the library has story time and craft time. Utilize interlibrary loans for items your local library may not have. Also, local movie theaters show free movies during the summer. Be active! Walk trails as a family. Have picnics (indoor ones on rainy days). Attend festivals. Play games. Read together.

10) When babe is old enough, swap babysitting with trusted friends so you and partner can go out (or stay in ). You won't have to pay a baby sitter and you'll still have date night!

ETA:

11) Organize a clothing/toy swap with other families. This is great for babies and children, but also for parents, as well.
post #9 of 27
What we do:
-Cloth diapers and wipes (We bought mostly used and will resell what we can when our kids are out of diapers.)
-Breastfeed
-Eat vegetarian and mostly whole foods (rice, beans, lentils, fruits and veggies, home made breads, etc.)
-Cook and freeze! Aim to throw no foods away
-Stock up on things when they are on sale for really cheap- I have our local grocery store's weekly ad sent to my email.
-Use WIC... it really helps with the grocery bill
-Garden
-No cable
-Use only a small amount of shampoos and soaps- a little really does go a long way.
-Save samples of body care products.
-Use hand me downs for baby clothes and larger items.
-Buy items not received by hand me downs at garage sales.
-Make things. (We made our cloth wipes, baby's curtains, and a new seat pad for the garage sale glider we got for the nursery.)
-We share a car and DW bikes to work most of the time
-Swagbucks (we get $5 Amazon gift cards periodically, which does make a difference!)
-Avoid paper products... make a goal to never use paper towels, paper napkins, disposable plates/cups/silverware, etc. We use reuseable products even on picnics.
-Volunteer (For example, we volunteered a couple of hours and got in to a local music festival for free last month.)
post #10 of 27
Quote:
Originally Posted by mom2happy View Post
Lots of rice and beans.
Seriously, food is our biggest expense.
Make everything from scratch and learn which meals freeze well.
I also find that being organized keeps spending down because when you are able to plan and know what steps are next you dont have to buy anything last minute.
No meals out. None. Playdates at parks and librarys (= free).

Clothes- only second hand (handmedowns, resale shops, goodwill etc).

I didn't find much savings in homemade detergent after I calculated the cost/time/effort it took- a box of Country Save (on Amazon) lasts us 6 months and that's worth buying a case at a time.

Cloth diapering is a given.

Use cash instead of CCs- you need something from the grocery store? Take just enough cash for what you need, leave the rest at home or in the car.

Consolidate outings to save gas and walk when possible!
post #11 of 27
We use a budget box with envelopes inside. Each envelope is labeled with its category....groceries; household supplies; kid activities; entertainment, etc. We still have a few things we pay online but almost everything is paid with cash.

I wrote down on a piece of paper how much we spent or needed for each category of living expenses. Added it up and that is our monthly expenses. This includes rent/mortgage and utilities bills too...everything.

Then I figured what percent of our total income each category absorbed. So when we get a paycheck I can just calculate the percentage of that income that goes to each envelope. This has worked really well for us and we have been able to save money like we never have before. I've been staying home for 6 years now and wish I would have started doing it sooner.

Keeping track of it all and staying dedicated is a task so I think of that as my job. I'm not in control of how much money comes into the house but I am certainly in control of how much leaves the house.
post #12 of 27


just lurking and soaking up all the great advice. DH and I are working on a game plan to make it possible for me to stay home hopefully early next year. I plan to start cutting corners now to help build our savings as well as make the transition easier.
post #13 of 27
How do you make your own laundry detergent?

We were pretty flush until we decided private school was best for our kids, so we just went through major cutbacks on everything else.

We went through our bills are cut back on everything possible. We do fun things that are free, like hiking and going on picnics.

Don't eat out. But grocies when they are on sale, and cook everything from scratch.

Maintain the cars so they will last.

Use the library for books, DVDs, and music.

make a budget and start keeping track of exactly what you spend on what. Give each your and your DH a little pocket money (same amount for a little flexibility).

Since you are home with a baby, why not see if you could find another baby to watch during the day? It would let you earn some money and could make it easier to stay home longer.

GOOD LUCK!!
post #14 of 27
I agree with a lot of what everyone else says.. here is what works for my family (every family is different so just because it works for me doesn't mean it will work for you):
Children/family-
Hand me downs are awesome, if a friend ask if I'm willing to take hand me downs I always say yes. Even though sometimes its not something we will use a lot of what we are given and anything I don't use I find a new home for.
Cloth diapers and wipes..
Shop sales for Christmas/birthday gifts. Our kids are pretty predictable with what they will like so I'm able to plan a ways in advance. That is the nice thing with younger children, they are easy to plan for.
When it comes to toys less is actually better.. I have the least amount of toys of all my friends and my girls are happy with what they have. I do buy open ended toys though (blocks, legos, cars etc) Your child doesn't really need every toy marketed at children out there. In fact I find less saves us money in the fact its less likely for something to be stepped on and broken.
Nurse exclusively, don't supplement with formula. When your baby is old enough for solids make your own. It is a lot cheaper than buying the food. I don't even puree food for my kids, I just cut it up small starting around 7-8 months (neither was interested before that) and they eat small chunks.
Look for low cost/no cost things to do. Check to see if any of the local things you like to do have yearly passes. For example, the zoo nearby the kids love to go to. Its 10.00 for a single day or 20.00 for a year pass (per adult, children under 6 are free) and with the year pass they give you 10 free passes to the museum inside if you want to go (which is usually 3.00 per time you go). I get the year pass, it saves us a ton, specially since the girls love that place. Also check on family passes/discounts. The other zoo on the island offers a family pass for 15.00 for 4 people for the year, or its 8.00 per person per time you go. Its cheaper for us to get one pass even though we don't need it for either of the girls.
For books, library or shop thrift stores/yard sales. We go to the flea market once every couple of months and the thrift store once a month to get books. Check to see if your thrift store does any sales. The one here does 50% off Saturdays once a month. So basically i get 2 books for .25. Since our library isn't the best its a good way to keep the girls in books (they like me read a lot.. like 20-30 books a day I read to them).
Kitchen
Don't eat out. We budget eating out once a month as a family treat. Usually we spend around 20.00 on that meal for our family of 4.
Cook from scratch and learn to make your own bread/tortillas. Especially tortillas, I don't know the cost there but here its 1.20 for 8 taco size tortillas and almost 2.00 for burrito size ones. I can make a batch of 30 for about 1.00 in supplies. It take a bit but the kids love to help.
If you will use the stuff on WIC get it. A lot of the stuff we don't use (baby food, cereal etc) but the beans, milk, eggs and cheese do help. Especially the cheese since its 4.00-5.00 a lb and the kids love it for snacks.
Only buy what is in season. Set a limit to how much a pound you are willing to spend (like I won't spend over 2.00 a pound on any type of veggie/fruit which limits what I can get but fruit/veggies get expensive if I don't set a limit).
Cook less dishes with meat in them. Meat=expensive a lot of the time. If you want to get meat check the sale items, we get a lot of the meat the store has frozen because it was a couple days old. I just keep it frozen until the day we use it and defrost it then.
Household
Get organized. A lot of times we end up buying things we already have because our house isn't organized or things aren't easily found.
Declutter- Its easier to find things and feel good about your situation if you aren't trying to shuffle aside your 10 year old prom dress that will never fit you again..
Make all your own cleaners. I use 50/50 vinegar and water. If we are sick I might add in 1/4 or so cup of rubbing alcohol for a little extra germ killer.
Check to see if its more cost effective to make your own laundry detergent. It isn't for us but for a lot of people it is.
Make kitchen rags or use prefolds. We were given a ton of prefolds that were like the gerber ones that don't work to well. I use them as kitchen towels. I haven't had to buy paper towels in 4 years.
Buy cheap toilet paper or use family cloth.
For your monthly cycle invest in a diva cup or use mama cloth.
Cars-
We have one car right now, its a cheap 2 door/4 seater that drives me NUTS (since its so small) but its paid off. We are saving our pennies right now to buy a van since Im pregnant with number 3 and a 4 seater obviously won't work with 3 kids.
Get the cheap gas. I know that sounds silly but I know quite a few people that are "tight" on money but spring for the premium gas.
Try to save up and pay for insurance yearly, it tends to be a bit cheaper that way (When I lived in the states I think I saved like 300 a year for paying yearly).
- See if it might be cheaper to take the bus or have your husband walk/bike to work.
Bills
- Cut cable, get the cheapest internet possible.
- get the cheapest phone possible, get a prepaid cell phone if its needed (like my husband doesn't like the girls and me being where we can't get a hold of anyone if needed so I carry a prepaid cell so we can get a hold of people if something happens). Only use the cell in case of emergencies, don't use it to chat with your mom/sister/best friend you haven't talked to in a while.
- If you live in a costly apartment see if it might be cheaper to move. Factor in cost of gas you spend to get places. For example your apartment might be cheap but it takes you a while each way to get to work or to any grocery store you might be spending more in gas places than you save on your apartment. Also factor in utility costs, like if you can find a place that pays water/gas whatever and your current one doesn't.

Shopping
ONLY shop with a shopping list and get what is on the list. I make an exception if I forget something we really need (like toothpaste or TP) but other than that if its not on the list we don't get it. This also goes for when we are shopping for clothes/books/toys, if I hadn't already factored in getting it I don't.
Shop sales but make sure its actually a deal
Make a price book of what you use on a daily/weekly/monthly basis so you know what stores have the best prices for what.
Avoid shopping when you are tired/lonely/depressed/hungry etc. It will help you avoid impulse buys.
I like to go through the purchases at the end before I leave the store and ask myself "Do I need this? Is it actually going to do the job I need it to do? Am I actually going to get enough use out of it to justify the price?"
If its a bigger purchase think it over before buying. DH and I have a pact that we will look at anything thats over 100.00 at least 3 times before buying and think on it. Usually for bigger purchases it goes like this "We really need x.y,z" (be it a bed, a car, a camera whatever), We go to the store together and look at whatever they have then we go home and look on the computer to see what the reviews for those items are. Generally we will go back to the store a second time and really handle the item, hold it, lay on it (for a bed or couch) try to imagine how it would fit. Then we go back and have about a week cooling off period and if we still think its what we want and it will work out for us we go get it. That might sound like a pain in the butt but its worse when you make a big purchase, bring it home and realize that it isn't at all what you thought and it isn't what you need.
A few extra things-
If budget allows add in a personal money part to each budget. Give your DH and yourself some spending money each month. Sometimes with us its like 10.00 if we are really tight, other months we have a good amount of spending money after we put money in savings so we budget 100.00. Thing is we both get the same amount so neither person feels like they are being ignored/forgotten.
Make sure you have at least a little set aside for unforseen circumstances.One of the smartest things DH did when I was pregnant with DD2 was to think about making a buffer for the months before and after the birth. I figured it would be an easy birth and with the food frozen in the freezer we wouldn't have to worry about eating out or anything like that. Then DD ended up in the NICU for 6 days and I had a really rough recovery. Thanks to the buffer I at least didn't have to worry about money during those times, I had enough on my plate.
post #15 of 27
I'm amazed by how much we save by making weekly menus. We couple dishes with odd ingredients so we cook them in the same week. We include revamped meals (e.g. Monday is roast chicken; Tues is chicken pot pie)on the menu so little goes to waste, and there are far fewer trips to the grocery store.

I buy the kids' clothes at resales. What I can't find there (long-sleeved shirts, bathing suits, etc) I buy a year in advance so I get rock-bottom clearance prices. We trade, hand-me-down and swap clothes and kid gear with friends, too.
post #16 of 27
What do we do?

1. Buy bulk foods (i.e. 50lbs. of organic flour, 30lbs. of organic split peas, and etc.)
2. Cook from scratch. (Breads are your friends! Excellent fillers. )
3. Family cloth. (I also use menstrual sponges. A cup is on my list - but they're so pricey!)
4. Cloth diapers, and line dry them.
5. Compost as much waste as possible.
6. Buy used at thrift stores. (Fun! I wholeheartedly LOVE thrift shopping. )
7. We live off of the grid, and put together our own (Frankenstein) used solar system.
8. We humanure and gray water, so not septic related costs.
9. Conserve hot water (propane), including bath sharing where possible. We do hope to get our solar water together soon, but we still need a tank...
10. Use the library for books.
11. One car.
12. I make most of the schoolwork myself.
13. No cable. Our television is just used for movies. We never go to the theater, and treat ourselves to some rentals instead.
14. Use our internet to its full capacity. We get a good price for it, and it is tied to our phone anyway. We do a lot of research, employment, enjoyment, education, and shopping for deals through it. Also - communication.
15: No cell phones.
16: Eating out is a rare treat.
17: We hunt.

I'm drawing up blanks now, but there is so much more.

I really want my own milk goats and laying hens, SO badly. But I need to be patient.

And we desperately need a greenhouse. It is hard to grow things here, and our living space is tiny, with few windows. Oh how we want a greenhouse!

My big luxury is coffee. I like good espresso. I do buy good beans, but I also go without when I need to - obviously. And my amazing husband just surprised me with a used Gaggia for my birthday! I'm so thrilled!
post #17 of 27
Pomegranate- if you stalk drugstores online you can find diva cups for around 15ish. I almost ordered one once and decided to wait. Luckily I waited, I got a BFP three days later. No need for one while pregnant or (at least for me) almost a year afterwards. Knowing my house my DH would have thought it had expired after that long and tossed it long before I even opened it. I figured for the length of time you can use it for 15.00 isn't bad at all. Especially if you are a heavy bleeder and mama cloth doesn't work well for you.

I thought of a couple more: make sure you DH packs a good lunch, otherwise if he is like mine he will get hungry and decide "Oh just this once wont' hurt" and limit trips to the store. I do monthly meal plans and go to the store once a month for the bulk and then once every other week for fruit/veggies/milk/eggs. Also, try to have your DH watch your child and go alone, I find that I buy more when my kids are with me because Im distracted by them. So when I meant to grab like 7 oranges I end up getting 11 because i lose track or I get an extra jar of peanut butter because I forgot I already grabbed one. Seems small but even 10 cents here and a quarter there adds up quickly.
Once your child is a little older and you want to have them color either blank paper or print things off the internet. Coloring books are expensive (my DH got a treat for one of our daughters by getting her a coloring book, it was like 7.00, I couldn't believe it when I saw the price!) Also no need to buy name brand art supplies, you can get crayons/markers from the dollar store. I even saw glue, paint and glitter at the one near my fathers house (I don't live near an American dollar tree so I don't know what they have, the 100 Yen stores over here sell oil paints, paint brushes and the like as well). Also, look for things seasonal. I get a lot of my girls art supplies during back to school shoping times because I can get 48 count washable crayolas for like 1.00 instead of 4-5, markers for 1.50 instead of 5, etc. My girls love to do art projects so the savings is great for my family. If you live near like Target/Walmart they have those dollar sections and they tend to have things like blank construction paper, rolls of art paper etc for a lot cheaper than you can get otherwise. Right now its not a big thing for you since your baby is young but when they get older and want to do more then it adds up quickly in savings.
post #18 of 27
Quote:
Originally Posted by OkiMom View Post
Pomegranate- if you stalk drugstores online you can find diva cups for around 15ish. I almost ordered one once and decided to wait. Luckily I waited, I got a BFP three days later. No need for one while pregnant or (at least for me) almost a year afterwards. Knowing my house my DH would have thought it had expired after that long and tossed it long before I even opened it. I figured for the length of time you can use it for 15.00 isn't bad at all. Especially if you are a heavy bleeder and mama cloth doesn't work well for you.
Thank you! I will definitely look into that. After the Holidays I'm sure that I could manage to swing that.

I thought of a couple more, obvious ones too!

1.Homemade laundry detergent.
2.Homemade mouthwash and toothpaste.
3.And I also make my own body balm. I love moisturized skin. Especially because I live in a very dry place. I can afford the indulgence of nice skin, if I make my own products.
4.Sort of similar, I have beautiful long hair. To help maintain that, I'll use oil masks on it. Even if that be just a cheap cooking oil during truly tight months. I'm sure it must cost less than most hair products.
5.I make all of my gifts. Well, I do buy some used, true. But generally I knit, crochet, sew, bake, or otherwise make my presents. As does my wonderful husband. He is an artist in wood, glass, and metalworking. Similarly, we make our own holiday cards, and only send to those very dear to us.
6.I barter for yarn and fleece. This allows me to manage the good stuff.
7.I also trade with a friend who makes wonderful soap. No reason for me to take on that chore, when she does it so lovely!

Ok, I'm coming up blank again!
post #19 of 27
--Cloth diaper & cloth wipes
--Clip coupons for toiletries (don't save much on groceries because they're for a lot of things we don't eat)
--Keep lights off in other rooms
--Cook 6 out of 7 nights a week (much cheaper than eating out) - this also provides leftovers for DH's lunch
--I make my own laundry detergent and spot cleaner

I'm sure there's more but I'm drawing a blank..
post #20 of 27
Thread Starter 
WOW this thread is really full of good advice...thanks everyone, keep all the suggestions coming!
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