Gratitude

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Today, I am grateful for having the bills/debt to pay that we do because without this experience we would never have made the changes to our life that needed to happen.

Today:

  • We budget
  • Live more with more purpose
  • Have more control over our finances
  • Work together
  • Give to charity
  • Our grateful everyday for all the blessings in our lives.

What are you grateful for today?

 

 

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Thrifty Habits and Hobbies

 

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Boathouse Row- Philadelphia, PA

 

When you start to examine your spending and take a closer look at the way you spend time, it can be really easy to focus on what your doing wrong.  It’s natural, we are so hard on ourselves. Let’s try and turn the table and find out what’s going on in our lives that is thrifty, healthy and fun!

  • We do a lot of puzzles
  • Walk the dog everyday
  • Go for long hikes most weekends the weather is nice.
  • Take lots of pictures
  • Both enjoy cooking and trying new recipes
  • Check out local attractions that do not charge admission
  • Garden

What thrifty habits and hobbies do you have?

 

Birthdays

 

 

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Photo Credit: Plusquotes.com

 

 

So, I’m hitting a Milestone Birthday this week. It’s funny everyone is like oh you have to do something, of course those somethings cost tons of money!

I have seen the Facebook posts and heard the stories of things that people have done. They have included: cruises, buying expensive jewelry, and lavish parties. That’s great if that’s what you want. I’m not saying don’t do that if you can afford it and that’s what you want. I’m happy for you!

At this point, staying on track is important to us. We are staying overnight for a few nights, which is long overdue. We did have hotel points to use, they have been around along time. All we have to pay for is the parking. Since it’s my birthday, I have decided to check out one of the Beer Garden places in Philadelphia. The prices are super reasonable and they look pretty cool.

Making The Most of Coupons.

 

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Delaware River

 

 

There are many coupon databases on the internet.  A few that come to mind are, Krazy Coupon Lady.com, Coupon Mom.com and Living Rich With Coupons.com. If you are really into couponing and stockpiling it would be a benefit for you to learn how to use the databases and match the coupons with store sales.  Stacking, which means using a store coupon with a manufacture’s coupon  or register rewards can be quite effective.

A recent purchase we made through stacking: Bought 2 bottles of shampoo at CVS that were on sale for $1.27 each and used one register rewards worth $1.00 and a .55 coupon. Total cost: 2 bottles of shampoo for .99.

Ways to Coupon:

  • Use databases
  • Print online coupons
  • Clip newspaper coupons
  • Clip coupons found in magazines
  • Find coupons in store isles near products
  • Load coupons directly to your store card, this is great because you won’t forget your coupons!
  • Have family and friends save coupons from newspapers for you
  • Get coupons sent to your email
  • Dumpster Dive for coupons

Feel free to add to the list!

How To Get Your Spouse On Board With Budgeting.

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Rainbow Over Niagara Falls

Getting your spouse on board with budgeting can be easy or a challenge. You may have a spouse who is a natural saver and loves to budget. You may like a lot of couples have a spouse who really likes to spend and would prefer not to discuss finances.

Here are some steps that may help:

  • Set an example. Make good financial decisions even if your spouse is choosing to do otherwise. They may start to copy your behavior.
  • Take your focus off your spouse and stop blaming them for your financial situation. Your a grown up and responsible for your own life.
  • Discuss finances openly and be honest, but once you have stated the information, leave it be. Try not to go on and on, that may shut your spouse down.
  • Reinforce positive behavior choices with compliments, expressions of gratitude and appreciation.
  • Pray.

 

Monthly Food Budget

It’s October 10th and we have $233.00 left in the food budget for the month!

Went to Aldi and spent $22.00. I was able to buy: Chicken, Angus Franks, Pasta, Eggs, Yogurt and some snacks. Using what we already have in the pantry and freezer, we should make it without going over the budgeted amount.

Below is a picture of the start of chicken fajitas.

Cut Chicken up into strips and cook 1-2 tablespoons of oil. Add  the fajita mix. You can use the packet of fajita mix or make homemade. We keep a small jar of homemade mix handy. Cut up peppers and onions and cook in separate pan. Add the pepper and onion mix to the chicken. Serve on tortillas with salsa and sour cream.

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Chicken Fajita Dinner

Rice Socks

 

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Taken while staying overnight at Mom’s.

 

It’s  usually cold in my Mom’s house. It’s a large home that is heated by oil. She is very conservative with the heat! Mom fills new tube socks with rice and heats them in the microwave for 2-3 minutes and everyone gets one or two when we stay overnight. I have to say they do a great job! If you put one or two in your bed at night you will be warm even hot all night long. We also use them sitting around watching talking or watching TV.

Items Needed:

  • Tube Socks
  • Rubber Bands
  • Rice
  • Microwave

Fill socks with rice, tie at the top or use rubber band to secure the top. Microwave for 2-3 minutes, Be careful when taking out of microwave as socks can be very hot.

Extra tip: from my sister in law, put a drop of scented oil in with the rice for some aromatherapy. Lavender would be very relaxing.