I am hoping to take some classes at the community college this fall and some other classes from some local women.
We're trying very hard to save even on a tiny budget, so that when issues arise we have a buffer.
My husband is taking classes right now. He's going for a bachelor in nursing. It will require him to quit work eventually and we'll have to live on loans and/or part time jobs. So we're working on paying off debts and when the time comes closer looking for jobs we can juggle.
Taking odd jobs here and there, photography gigs, subbing, small organizational jobs.
DH is taking every odd job that is thrown his way in addition to working his full time gig.
Doing our best to spend our money only on necessities, and not on stuff we don't need or eating out.
I am also working towards a BS in nursing, though I have 2-3 years to see that finished so we are working with the income we have and making it go as far as possible.
Frugal, food growing mama to my four loves
On dh's--he's going to school, and just went in 50% into a business. If all goes well, that will at least provide him living expenses and some to help his family with, which means the rest of his time over there won't drain our savings.
Instead of both of us working as much as possible to make as much money as possible and end up feeling frazzled and spending money on things to make our life easier... DH works and I stay home.
I spend my time doing things to *save* us money. I buy in bulk, cook from scratch, hang our clothes to dry etc etc. I'm planting a huge garden and hope to grow as much food as possible. Ultimately, I'd like to grow enough to last all year but I think it will take a couple years to get to that point.
We're also doing renovations on this house and some things I'm able to do myself while DH is at work.
I'm pretty much in love with my life right now and we hope to bring kids into our home over the next year.
I make my own face wash, deodorant, laundry detergent and cleaning supplies. I'm trying to pay off my student loan, but I need to be more diligent about spending less and putting more money onto my loan each month.
I've also started walking or biking to work at least 2x a week, to save a bit on gas.
We grow a bit of food in our one sunny spot. I would love to eventually move to a place with more sun!
Married to my sweetie and enjoying life with our fabulous dog. Expecting #1 in August 2012!!!!
So DH is looking for a new job with better health insurance and I'm polishing up my resume and applying for a higher-paying job. I'll probably be shutting down my own businesses, as least for now. How I handle my workload is complicated by the recurrence of mystery syndrome X, which, among other things, causes muscle inflammation and makes it difficult for me to walk and use my arms and hands. Switching to a more sedentary job will help.
We're homeschooling, so this will involve some juggling, but we're keeping our fingers crossed that the cards will line up for us. We already live very frugally, with a small mortgage (lower than most rents in this area), gardens, no cable service, the cheapest phone service, etc.
I just changed jobs and got a raise, plus the benefits are GREAT. As of today, we have finally rented out our condo. My husband knocked on doors (literally) almost 7 years ago and found a very low cost house for us. We have done much of the renovations ourselves and moved in last October.
We're planting a garden this year. I cook from scratch. I join co-ops to lower our costs on children's toys and clothing and whatever else we can get through them that we want/need. We cloth diaper and I knit all my son's covers. My SIL and I swap clothes - our kids are almost the same age and the sexes were born opposite each other, so, it works great!
Saving regularly and finally in a position to stop raiding it regularly. Saving for retirement and taking advantage of employer match. Earmarking employer equity awards for my childrens' college education.
My husband stays at home and that saves on child care costs.
We will be completely out of consumer debt within the next 12 mos. However, I would like to buy a new (to us) car, so, I need to shop smart for that.
Mama to add 10/05; ds 3/09, and two angels
I'm also working on expanding my business. I also work from home and just graduated so I have free time on my hands - well I will after the summer is over.
I've always cooked from scratch and almost always bring my lunch to work.
cooking from scratch
NO eating out
Partial cash system
Lunch from home
buy used when things are needed
got a smaller garbage can (this cut our bill in half!), got a bigger recycling can (for free!)
finding free things to do with the kids
buying cheaper beer
just staying home in general
Mom to Izzy (12/04) and Violet (9/07).
Supporting DH's travel and crazy work schedule by picking up most of the slack at home so he can continue to build his career and increase his earning potential.
Blooming where we're planted and making due with less.
Using the library instead of buying music, books and videos.
Throwing out catalogs and focusing on what I have, not what I don't.
Other things we do:
cook from scratch
raise our own meat
milk our cow and make butter every other day
bake own bread
make goat cheese
raise a huge garden
trade with other farmers
bring cash to the grocery store (I'm going to start this week!)
leave checkbook/debit @home, when the cash is gone your done!
use clothe diapers
use diva cup instead of tampons
buy only second hand clothes, except shoes, socks, undies
designate stay at home days
go on dates that don't cost $
shop online instead of in stores, saves gas & impulses
learning to craft
taking Lifeways training to open Waldorf inspired childcare/preschool on our farm in 2011
Cook from scratch.
I put in a garden since I have a small yard now.
We moved into a small cottage that is less $$ in some ways..
I have cancelled everything that I can to help my budget..No internet,no cable ect..(still trying to adjust to not having internet at home)
Make a tank of gas last a week and 1/2..In other words I go no where except work.(if I need to go to the store I do it on my way home from work)
Looking at taking some online business classes this fall..I would have to put the internet back in but I am tierd of working 2-3 jobs and having nothing.
Canceling cable (I have dragged my feet on this for years because my shows are all on cable channels and it sucks but trying to be positive, it will be motivation for me to put everything towards the bills)
dropping home phone down to basic plan, no long distance or frills
cooking from scratch (we're going GFCF so the savings won't be as significant but it will help)
no eating out (again, with GFCF it will be difficult anyhow)
using fans vs AC
using the library for books, cd's and movies
thrift shop for clothes (I can recon toddler shirts into rompers for dd2, etc)
Dh traded in his truck for a car with much better gas mileage
We will be paring down dd1's summer activities to just one
Anyhow, what I'm doing to improve my finances....I cut up ALL my credit cards..so if I don't have cash, I don't buy it.
-Dropped the minutes on my cell-phone plan
-cancel long distance on landline(we have DH's 86 yr old mother living with us so we MUST keep the land line for her incase of emergency)
-dry clothes on line in the basement
-cook from scratch
-limit activities on the weekends to those that are free--
-now we DID buy a baseball game package(to the local Detroit Tigers AA affiliate) for the three of us--for $39 each we get tickets to 7 home games, free food and drink(hamburgs,hotdogs,chicken,sausage,pop and water) during the entire game up to the last out, a free hat and all these games have fireworks following the game. We will be attending the next game in the package on Friday 6/11! A fun family night out on the cheap $6 per person per game, not including gas money and parking fees($3--brother in law pays that as he rides with us)
-reconnected with one of DH's high school classmates through facebook. She's super friendly..had us over for a picnic last week..they have a pool as well so DS swims there. DH and DS were over to her house on Friday night while I was at work to swim and have a bonfire. DS loves her 9 yr old DD.
--cutting down on caffeine consumption--I LOVE my McDonalds Iced Coffees--hard habit to break.
--Do all my banking/bill paying online to cut down on stamps
--shopping at Aldi's
Those are just a few! I love reading hints,tips and tricks to save money!
Trying to always focus on positives, good energies, and only speak positive and uplifting as much as possible.
Looking to volunteer more.
Trying to focus on what is important and not be in a million directions.
Free activities for fun, like playing certain sports or going to parks.
Not shopping/buying things except verified needs.
Searching for better jobs, reading about how to get said jobs. Going out of comfort zone to accomplish that.
Planting a garden.
No more using credit cards.
Learning to spend more wisely and be mindful consumers.
Giving up cable, always in kitchen homemaking meals/food, bringing snacks/meals/drinks when not at home.
happy family! we
Unassisted birthing, atheist, poly, bi WOHM to 4 wonderful, smart homeschooling kids Wes (14) Seth (7) Pandora Moonlilly (2) and Nevermore Stargazer (11/2012) Married to awesome SAH DH.
Trying to eat out less (for me, eating out is Subway), taking lunch to work. I'm working tons of OT at work right now, so that's extra cash for a while, but after 12 hours days, I'm fried. So, I get some frozen dinners or easy stuff to fix. Convenience food, but it's still cheaper than getting something out.
Hanging things to dry even in my apartment, and then running them through the dryer on fluff for 10 mintues to get the crunchiness out (I HATE stiff clothes!).
Here are some things I've done in the past and am working on doing again (really need to start keeping up with it):
Cook at home and from scratch
Cooking cheaper more basic meals (more beans and rice; less meat)
Making lunch for DH to take to work; taking food/drinks when we run errands
Line drying clothes
Using ac less and fans more
No purchases unless we need it and then 2nd hand if possible
Try to coordinate our errands to one day a week (this has been a mess lately)
I'm not sure what else. I've been going over stuff and these are just a few of the things I know we need to get to do again. Once we get moved I plan to start at least a small garden to cut some of our produce costs. Need to start buying in bulk again too. I'll be watching this thread for ideas.