Calling all large families! I want to know, HOW DO YOU DO IT?
I don't mean managing, I think we do pretty well...though I often feel like a small family by comparison to some of you lol And I don't necessarily mean, how do you afford it, because I believe when God has called us to care for so many, He provides in various ways. What I want to know is, how do you stretch your dollar, or cut corners?
While I believe God provides and asks us to be faithful, I also believe He stretches our dollar greater when we are good stewards with what He has given us.
Each time we begin an adoption, I try to find ways to cut costs. While my initial thinking is about how to save money to put towards the adoption, truthfully, the more ways we can find to decrease our living expenses the more money we will have available for our new addition(s) and perhaps God will continue to call us and bless us with more further down the road.
As I've experienced through each adoption, every dollar makes a difference! So lowering an expense by $5 or $10 will add up! Especially when you eventually find several areas to do that, even if it is not right away.
I am asking you to please, please, please share your savvy savings secrets in the comments section of this post. Perhaps if I get enough responses I can compile the list into one post to share with others.
Here are some things we do to save a buck!
- No paper towels (drives my mother crazy lol) Instead of spending money on paper towels, we use rags made from old t-shirts or wash clothes.
- Use vinegar and water to clean (I've admittedly have slacked on this and started a love affair with Greased Lightning but back to vinegar and water we go)
- "Basic" television plan. Out here in the boonies (lol) cable is not an option, only satellite tv. We had turned off DirecTV a while back and just had Netflix (dvds no streaming) for a while. Eventually we got Dish Network (in between adoptions at the time) but when I tried to cancel our service, I learned of an $18 option and jumped on that. We no longer have a subscription with Netflix or Blockbuster.
-Family Share Plan for a "house" cell phone for long distance calls instead of using the landline. We pay $10/month for the extra cell phone. The kids use it to call out (seems that EVERYWHERE is considered long distance from here) and Dan & I have our own. The kids also take the cell with them if they are staying after school or something. We still have a landline because I've never been without one and am chicken but that is going to be canceled today. We will save $54/mo. doing that + another $10/month for the long distance service I was paying for but will add one more cell phone (for $10/mo) to our plan for a cell phone that will always stay in the house --I never want the kids home without a phone.
EDITED: Just got off the phone with Verizon. I have chosen to get the Home Phone Connect. They explained it to me as similiar to a router. We can plug up to 2 home phone devices into it. Because we have the cordless phones that run off of one base, we would only plug the base into it and can still use the 3 other phones that run off of it throughout the house. This device does use cell towers. It is also mobile, we can take it with us wherever...I guess we might if we went on vacation...I don't know. And we can keep our home phone number.
I had 2 options, one was to add it to our family share plan for $9.99 but we'd be sharing the minutes. Or pay a seperate $19.99 and have unlimited minutes, no roaming charges. I chose the $19.99 plan because I could see us possibly needing to increase our shared minutes plan and the $19.99 plan would be better. They waived the equipment fee but will charge us a one time $35 activatiion fee.
Hopefully this will be worth the switch and should save us $45/month!
PS mentiion me if you do the same, I will get a $25 credit on my bill ;)
- Adjust the thermostat. We don't know quite yet what the savings will be but it's time to stretch our comfort zone. Admittedly, we've been pretty spoiled with keeping our home at about 74 in the winter and 76 in summer. I know "gasp"! We have now dropped it to 68 and 65 at night. Those temps may be adjusted further depending on our bill next month.
- "snack money" for my teens. We call it "snack money" but it has just really turned into allowance, which was not my initial intention but does not seem to be an issue...as a matter of fact it has worked out well. My teens were costing me a fortune with their snacking. So I decided to let them know that I will feed them meals but they had to budget their own snack food each month with the $25 I give them. (that's not to say that they don't eat other food in our house between meals but real snack food or pigging out between meals is for them to figure out). $25 is actually a decent amount of money for snack food if they budget right and shop at Aldi, Bargain City or Walmart. With 4 teens, that costs me $100 a month but trust me, before it was costing me a lot more as anything that went into the pantry was gone in a second and I had to play food monitor (who ate how much, who got none, blah blah blah blah). So they have their own bins in the pantry where they keep their stash. Amazingly, no one has quite the obsession with snacks anymore and often prefer to spend their money on other things or save up for expensive things.
-Major grocery shopping at Aldis. If I shop weekly, I can probably feed our household of 8 for $125-$150 a week. I have tried and tried to get with the couponing program but it just isn't happening. I have no time or focus for that, I really wish I did. No, I don't have an hour a week I can commit to...not at this point in my life, anyway.
- Drink water. Water is the best thing for us to be drinking. Soda is garbage. Juice and milk can get expensive if 8 people are chugging it. So for the most part, we drink water (or I've been drinking hot tea like crazy lately). We always have milk in the house and the kids can drink it (I am lactose intolerant and don't recall the last time I've seen Dan drink a glass of milk) but they are not allowed to pig out on it. Juice, we don't keep in the house regularly but we do buy it here and there. It's not a rare thing, but it's not a staple either. Soda, Dan buys Mountain Dew for himself, the kids can use their own money to buy it if they want it (and some of them do).
I have not yet begun making our own laundry detergent but thanks to Leslie, I will be very soon...maybe today! :) I can't wait!!
I know to some this seems, odd, crazy or poor. To me, I find joy in being able to stretch our dollar. I am thankful that I we are (mostly but not totally) good stewards with what God has provided. I believe it plays a good part in why God continues to bless us with children and finances to get them home.
So please share your secrets! I know smaller families have savings tips too, and I'd love to hear them, I'm just thinking that those enormous families have just GOT to have many great secrets to share.
I'm going to take some of your great ideas! LOL
ReplyDeleteWe do not buy paper plates. (stopped that about 2 years ago) I used to buy them every week and realized how expensive it was to buy them, just for ease.
I have considered not buying paper towels, but have not figured how to clean glass.
We combine all trips to make sure we are not wasting gas. We use wood we collect to keep our home warm. We have a wood burning stove that heats our home very well.
We keep our A/C in the summer at 85 degrees or not on at all. (We don't turn it on until it starts getting above that in the house. (Usually by July)
We do not have cable at all.
I was tempted to get it recently, but after the 10 dollar increase in the bill and about 30 dollar increase in the TAX part of the bill for cable, we added it up and Mike said, is it worth 700 dollars to you over 2 years? NO.
We USED to get our eggs from our chickens, until the dog killed the chickens. arg
Our food bills are more expensive due to dietary needs, but I am working on cutting out any extras or making things like icecream.
We pop our own popcorn instead of buying the expensive microwave kind.
We do use vinegar and water or bleach and water for cleaning, but I do not make my own soap or buy cheaper soap. The reason is, it just does not clean as well, and if the clothing looks dingy, or stains don't come out, that is more costly.
I COOK EVERY MEAL. It is work, but it is a LOT cheaper than going out to eat. We RARELY go to drive thrus with the exception of an occassional snack at Sonic druing 1/2 price time. (you can get a slush for 50 cents)
Instead of gymnastics lessons at 55 dollars a month for a 3o minute lesson once a week, we go to free gym once a month for an hour and a half for six dollars.
Instead of tap dancing lessons, we bought the tap shoes and instructional DVD's.
We eat simply. Lots of soups, beans, to save.
But we do not scrimp on fruits and vegetables.
We buy our clothing used, except for a few items, and we do not over buy clothing. This year, we didn't have to buy any thing, because a very nice neighbor with older girls gave us plenty.
An exception was I found jeans for Mike at Sams for 12 dollars. They are a nice quality, and there is no use paying 8 at good will when I can find them that reasonable.
We cut our own hair. I give hair cuts and trims, and Mike has been known to trim mine.
(thankful for head coverings) :)
We are WORKING ON making sure we have a complete list and not impulse buying. We mark off what is on the list, and then do not buy extras.
I have also set up a budget program so that I can track spending all month and not go over a certain amount. If we get to the end of the month and are at the limit, we simply will have to wait for things until the next month starts.
We also do not flush toilets every single time. It REALLY saves on water. It might gross some out, but the motto is, "If it's yellow, let it mellow, if it's brown flush it down". TMI sorry. :)
We are careful about what we garden. If I can purchase things really cheap at the store, I don't plant them.
We just eat pretty simply. A six-pack of ramen noodles and all the left-over vegetable, a couple of boiled eggs - and along with garlic bread made from broiled slices of the "dollar loaf" - its a meal. Same sort of thing with fritatta. The kids also love anything with cabbage, so we have stir fried cabbage at least once a week with just a small packet of pork, cut up for the meat.
ReplyDeleteI have made extra money with newspaper routes, and teaching English over the phone - things that can be done when everyone else is sleeping. :)
Because the big boys eat a lot, I have found that homemade bread is a huge savings. Though, I do use the breadmaker (don't want to give the wrong, over-domestic impression here).
Fortunately, my kids (even my husband) thinks shopping at the St. Vincent de Paul store and Volunteers of America is BETTER than the mall, because they can "get" more. And for a whole lot less.
We buy some paper towels, but I only use them for draining bacon, for the most part - and doing windows. The old rags are a great saver in that respect.
Hmmm...I will be thinking. I tend to shop only in spurts when I randomly find that everyone is having a major end-of-season-type sale. Even then, I try to check back in 7 days for price-adjustments. Did you know KOHL'S offers this, too???
ReplyDeleteI was letting the boys earn $ by cutting the coupons (I check off) AND procuring them at the grocery store IF they were on sale. They earned .25 for each one, BUT we often saved $.25 to $1.75 more! These days I am buying MUCH more at Sam's Club because the the savings are there.
Watch the show I posted. You will learn some not-so-extreme things, IMO, like how to sharpen a disposable razor...and how to get the last of the toothpaste or lotion out of the container lol.
We do eat out, but we share meals. You might be surprised how far some of these $20 for 2 entrees and an appetizer can go, for example. Chinese take-out also goes a LONG way at our house.
If I were really pressed for pennies, I would make my own soap, too...and bread, yogurt/kefir,...and plant a garden. Tomotoes and cucumbers are SO easy and cheap to grow...and you can can them, or let your teens take orders from friends, maybe.
I don't think I have anything earth-shattering to share. I spend $ carefully, sell things on Craig's List...and though I used to make a lot of $ at church consignment sales...it has been an even bigger blessing to participate in these FREE homeschool/community swaps.
Wow those are great ideas! I don't wash clothes as often as other parents do. If I can wear my jeans for four days, my kids could wear them until they are actually dirty too. Sometimes that is one day, but often it is four days. :)
ReplyDeleteHave you looked into Magic Jack? We live in Charlotte and we just got it. They have a new updated version. It works GREAT! It was $70 for the device and the whole first year. Then only $20 a year after that. Oh ps. We do all the things on your list...except the water, I do, the kids don't. The other day my sister was over and she brought some food for the kids.....She said "Oh wait can you use this paper napkin?" My daughter said "Well our washing machine in broke right now so I think it is ok." lol
ReplyDelete