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Stopping Work in December.....Best Tips Needed!  

post #1 of 10
Thread Starter 
Hi! I have lurked here for a few months and have been so inspired by all of the ingenious here. I have always been kinda frugal. And I think it is the way to go But, I am newly pg, and after a year of wanting to quit my job (pt) I am finally going to do it! YIPPEE! So I am a bit scared, our budget is super tight and will be even more so after I quit, I guess I am just looking for some good vibes and some good advice from you super knowledgeable mamas. And hope to be posting here more!
post #2 of 10
Well I'm glad you are doing something that feels so right and I'm sending you many good vibes.

I can only tell you what my family does to live within our means and have some left over to save and pay off debt (and sponsor a child in Ethiopia).

We live with or do without.
That about sums it up.

We have no cable, still have dial up (gasp from the MDC community), get all our books at the many libraries we visit, wash our hair with castile soap, wash our clothes (which are purchased at the Sal Army, free tables, or freecycle) with baking soda, clean the house with baking soda and vinegar, cook most of our meals, shop with a budget for food, find things to do free,get movies for dh and I at the library (we order them on the online catalog and they deliver to the library) bake bread, bike, live with one car, pay as we go with home repairs (if we can), eat vegetarian and low dairy, hang our clothes...ok I think I'm done.

Ok one more (thinking about the upcoming holiday season) we ask my parents to give gift cards to places like Marshalls or TJMaxx so we can buy socks, underwear, and 100% cotton sheets. My MIL buys us a pass for the local science museum and we do a gift from each of us to each of us. Sometimes that is a homemade coupon for foot massages or maybe something purchased from one of our local stores (usually a book).

Now that you are not working you will come up with the solutions that work for your family and (maybe) you'll have more time to implement them.

Good luck!
post #3 of 10
Sorry to butt in here, but I saw that you wash your clothes with baking soda. How does it work? What do you do about stains? If it works well, that would save me a lot of money.
post #4 of 10
You know mama_b it works for us because we really don't get that dirty. DH works at a desk and I work PT as a therapist, usually I just rinse my clothes in the bath or wash them with no BS at all. As for my kids clothes, if they have a grass stain (because they do get dirty) I scrub it with baking soda and if it doesn't come out oh well (theyll get a new grass stain over the old anyway :LOL ).

My kids problem stains are grease stains from eating so I pretreat with a tiny amount of dishwashing liquid on the stain and throw it in the wash.

All our clothes are clean and soft and we hang most out to dry.

Kimcarrots
post #5 of 10
Kim, I tried washing my hair with castille soap a few times, and my hair was like cotton candy: tacky, clumpy, impossible to comb or brush. Any suggestions?

I'll have to try that baking soda thing for the laundry. DH will have a heart attack. He's all for being frugal and environmentally friendly, but new ideas tend to scare him. :LOL You should have seen his face when I mentioned the no-shampoo thing!

Namaste!
post #6 of 10
I make castile shampoo this way:

I use an old shampoo bottle maybe 16 oz.
I put in about an ounce?? or castile
Then I brew a strong tea of rosemary (since my hair is dark) or chamomile for lighter hair or just water
Then a few drops of almond oil (if you need it, it can make your hair limp)

I notice that in the beginning my hair did get very tacky but it hasn't for quite a while...I'm gonna make a guess that your hair has to get used to it?? Does it change the ecology of the scalp? Try lowering the amt of castile... In the meantime use a conditioner after shampooing...now I can just use the castile and have no problems...

Hope that helps.

And tell DH to breathe....he really doesn't get that dirty anyways
post #7 of 10
To start with, figure up all of the extras that working PT "cost" you...did you pay for daycare? Gas and/or upkeep on a second car? Not to mention taxes paid in (especially if it knocked you up to another tax bracket).

You'll have more time now to plan ahead and make more meals from scratch too.

Good luck, mama!
post #8 of 10
Thread Starter 

I really sppreciate all your support! I think we are going to pay off a few lines of credit (the largest being care credit for a bunch of dental work that we REALLY needed) and really, just try to live within our means.....
It will be SO nice to haev the time to do more cooking/ baking......

My next hurdle is coming up with some thrifty holiday stuff.

much love mamas! Thanks for the positive vibes!
post #9 of 10
Kimcarrots we do many of the same things your family does...

The main thing is to really think through each and every purchase...
Do we really NEED this? Can I make it myself, get it for free, ask for it for a gift, etc..???

Start making as much food as you can from scratch.. at first it takes a bit of time, but with practice even making bread from scratch and kneading, etc. can go very quickly. Plus the satisfaction is worth it.

We moved up to Vermont a couple of weeks ago and my husband is now making less than half what he was before, but with our practical, homesteading living strategies we should still be able to buy our farmstead next summer.

Best wishes and congratulations on staying home!
Warm wishes,
Tonya
post #10 of 10
I ditto the make your food from scratch idea...it saves SO much...also, for instance, I will save all my vegetable ends (carrot ends, onion skin etc) and freeze it all in a large container and when that is full it makes an awesome broth with some spices added, to cook rice in, or make a soup with...

Also, check into local food co-ops in your area...we were referred by our neighbor to this place where it is like $8 a year to join, and it isn't exactly a co-op, but it is not a food bank either, hard to explain... so I am thinking 'yeah, dented cans of spagetti-os, great' ... but I checked it out and they had SOOO many organic and whole foods things, I was amazed, that has cut WAY down on a lot of our dry stuff...

Also, we stretch things to make them last longer... for instance, we aren't completely poo-free, but I will save an old shampoo bottle, and cut the shampoo in half or more, adding water 50/50 to each bottle... gets my hair just as clean... same with dish soap... also, I clean EVERYTHING with either baking soda or vinegar or a combination...SO cheap and gets everything just as clean....

We save a lot by using cloth wipes, cloth napkins, cloth *paper* towels -- not quite at cloth toilet paper yet, but many times I will use one of our many many washcloths for pee pee (paper for poop lol) which does save on paper, since I pee a lot more than poo and hubby just *shakes* :LOL...

As other posters said, I don't know how the library is in your area, but ours is suprisingly AWESOME... we get most of our DVDs there, books, etc... and they even have a free delivery service so that saves on gas! (good to know my taxes go to something useful haha)

We live in florida too, so we open up the windows and turn off the A/C from about the end of October until well into spring... so that saves A LOT on energy bills... we rarely turn our heat on in the winter unless it is an EXCEPTIONALLY cold night or two...

Turning off your computer at night saves about $10 a month in electricity, I have read...

I have begun taking warm showers instead of the ultra hot ones I used to love... it is not only better for my skin, but it saves a lot of energy from not heating up the water so much or using it for so long... also, my daughter and I bathe together which is SO fun and a great bonding time, and saves on water, electricity...

It goes without saying that we never turn the lights on in the daytime ever, and only keep one lamp on at night that casts a cozy light --unless one of us is reading or something, then we turn another on... but we have been known to light a few candles too instead of turning on any lights -- to save, but also because we love candles!!

Some appliances zap energy even when they are off, just by being plugged in... so we have everything unplugged except the microwave (it is a pain to climb under the baker's rack to plug it in lol)... I have heard that can save you at least $5 a month on electric too... those $5 add up....

We only use half detergent when washing or sometimes just baking soda (we have to go to a laundy mat, we don't have washer/dryer)...and I just pre-treat any stains with a bit of dish detergent or vinegar...seems to get most stains out just fine...

We also buy organic veggies which can get quite expensive, but we will buy a couple of "staples" that can go in many recipes, to cut down on expenses, instead of spending $$$$ of several veggies -- we buy a vitamin packed *all purpose* organic veggie like spinach for instance which is good on sandwiches, in quiche, in omelets, diced up in spagetti sauce, as a salad etc... you get my drift...

I only wear make-up if I am going someplace nice, like a nice dinner, or holidays, or whatever...for every day outings I will add a dab of foundation to a bit of lotion and rub together like a tinted mousturizer, some gloss and that's it... my make-up lasts forever...

When I do baking, I try to do a lot at once so I can take advantage of an already hot oven instead of turning it on/off/on off etc.. I will make big batches of things and freeze individual portions...I did this while pregnant so we wouldn't have to cook in the first couple of weeks, baked goods (muffins, quick breads, bread) does really well frozen... in fact I just used up 5 completely BLACK bananas my mom was going to throw away in a yummy banana bread, and since they were so over ripe, I hardly had to add any sugar at all... it is already gone...lol...

Also in baking, I always cut the sugar and butter in almost all my recipes (by 1/3 or half sometimes) and they always turn out really good and you can't notice... it is healthier and it makes your ingredients last a lot longer...

I find that it is the simple things that add up really...just doing every day things here and there has enabled me to be a SAHM to our daughter on a very modest income....
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Mothering › Forums › Natural Family Living › The Mindful Home › Frugality & Finances › Stopping Work in December.....Best Tips Needed!