Showing posts with label stay at home mom. Show all posts
Showing posts with label stay at home mom. Show all posts

Monday, April 2, 2012

The Consequence Jar

"I can't do this...its too haaarrrdddd...."
"I don't want to get in my pajamas..."

We've all got whiners. Some more than others. I have one child that could win awards for his whining skills. I have tried time outs and more recently pulling privileges or special snacks. I find that I get really fed up with it if he's having a particularly whiny day. To some extent I understand whining. I don't want to clean the house and if I had someone to whine to, I just might, but when its a daily practice, an HOURLY practice, it needs to be curbed. So my futile attempts were made.

Now meet the consequence jar. Sitting on the counter in the kitchen, looking quite innocent. Inside are consequences for whining, or not doing chores, or bad attitudes...its really quite effective. And humorous at times. For example, one item says "clean the glass on the back door while singing a song" another says "hop on one foot while getting the mail" then the more serious..."scrub the toilet" or "sweep the front porch"  There are even some "grace" cards. Grace meaning, they get this incident free(no chore)but you never know what will happen next time.
I typed up a sheet of them and folded the slips of paper and put them in a glass jar on the counter. Its waiting for the first infraction...and within minutes we have one. He pulls a piece of paper from the jar and is told to "hand wash the dishes." Since its between meals he gets off easy with only about 6 items, but he starts to put up a fuss. I tell him if he would like to pull a second slip from the jar to keep on talking.

And there is silence.

So far, this has been very effective... :-)


Here are some other examples:

Empty recycling can in pantry
Rub mommy or daddy’s feet for 10 minutes
Clean your room
Wipe down upstairs bathroom floor
Clean a glass on back door while singing a song.
Clean out silverware drawer
Remove the magnets and pictures and wipe down outside of fridge.
Do 25 sit ups while singing "I will not _______ anymore" really loud.(fill in infraction for that time)
You have been given Grace
Vacuum garage floor mats
Scrub upstairs bathtub
Empty all garbage cans
Fold 10 pairs of socks
Sweep front porch.
Sweep back porch.
Clean out your closet
Dust living room
Wipe off railings on front porch
You have been given Grace
Write “I will not _______” on a sheet of paper 50 times(fill in infraction for that time)
Do 25 push ups while singing "I will not _______ anymore" really loud.(fill in infraction for that time)
Run around the house 3 times and pick 20 dandelion flowers for the chickens.
Wipe all the wood railings on the chairs in the kitchen and under the table
Wipe all the wood railings on the chairs in the dining room and under the table
While hopping on one foot, go get the mail.
Choose 2 items of yours to donate to Goodwill.
Vacuum your bedroom
Hand wash dirty dishes
Scrub your toilet while singing “I love to clean when I am misbehaving”
Pick up backyard putting all sticks in the burn pile
Pick up frontyard putting all sticks in the burn pile

Thursday, December 9, 2010

taking suveys

One way I extend the budget is by taking online surveys. Survey Savvy is taking applications for new survey takers. You earn cash for taking them and its very easy to do. You work when you want and ignore them when you don't. They come by email and they pay when you qualify. Typically you are prescreened with some questions to see if you are what they are looking for. if you are, you go to the paying portion of the survey. If you aren't, you only wasted 2 or 3 minutes and you are entered in a drawing for gift cards or other rewards. Check it out here

Monday, November 15, 2010

Spaghetti Pie

Ingredients
1 (6 ounce) package spaghetti
2 tablespoons butter
1/3 cup grated Parmesan cheese
2 eggs, beaten
1 pound lean ground beef(optional)
1/2 cup chopped onion
1/4 cup chopped green bell pepper
1 clove garlic, minced
2 1/2 cups spaghetti sauce
1 teaspoon dried oregano
1 cup ricotta cheese or cream cheese
1/2 cup shredded mozzarella cheese

Directions
Cook and drain spaghetti. Stir in butter, parmesan cheese and eggs, while spaghetti is hot. Form spaghetti mixture into a crust in a buttered 10 inch pie plate.
Preheat oven to 350 degrees F (175 degrees C).
In a skillet cook the beef, onion, green pepper and garlic. Drain off the fat and stir in the spaghetti sauce and oregano. Heat through.
Spread ricotta or cream cheese over the spaghetti crust then pour in the beef and tomato mixture.
Bake at 350 degrees F (175 degrees C) for 20 minutes. Sprinkle mozzarella cheese over the top of the pie then bake for 5 minutes longer, until cheese melts

Spaghetti Sauce

I love spaghetti sauce, but finding sauce that is made without corn syrup is often hard. Almost all of them have sugar and while a little is fine, I don't want it to be a top ingredient and for me, the less refined the better. After a summer crop of tomatoes has been canned, there is nothing better then a fresh-made spaghetti sauce served over pasta with a hunk of crusty fresh-baked french bread. Tonight we had chicken parmesan. This is a great dish that is fairly easy to make.

Spaghetti Sauce
2 quarts of canned tomatoes, with liquid
1/4 cup dried onion(3/4 cup fresh, finely chopped)
1 T dried basil
1 tsp powdered garlic(6 cloves fresh, minced)
4 T olive oil
1/2 cup red pepper sauce(or pureed roasted red peppers)
1 T sucanat(optional)
Combine all ingredients in saucepan. Bring to boil. Cover and simmer for 30 minutes. You may want to add salt to taste.


Baked Chicken Parmesan
8 pieces of boneless chicken breast(or breaded patties)
1 pkg of whole wheat spaghetti
1 quart(4 cups) of Spaghetti sauce(see above)
1/2 cup grated parmesan
1 cup fresh mozarella

Start by baking the chicken till about 10 minutes shy of being done. Usually a 4oz piece of chicken takes about 30 minutes to cook, so cook for 20 minutes at 350 degrees. I place the boneless skinless breast meat in a lightly greased baking dish. If the breasts are fresh(not frozen), you may want to add a little water to the pan so they dont get dry. If you are using packaged breaded filets, follow the manufacturers directions.

In the meantime you can be making the spaghetti sauce if you haven't already done so. This sauce gets better as it simmers, so if you can make it earlier in the day, do so.

Cook your spaghetti according to package directions. Drain.

Assembly
Spoon about 1 cup of sauce in the bottom of a 11x17 baking dish. Spread the cooked spaghetti on the bottom. Layer with the partially cooked chicken breast. Top with remaining sauce. Sprinkle with parmesan sauce and then place thick slices of mozzarella on top of each piece of chicken. If you are using shredded cheese, concentrate the bulk of the cheese onto of each piece of meat. Bake at 350 for 10-15 minutes until chicken is completely cooked and cheese is melted and bubbly.

Sunday, August 8, 2010

Free Weekly Planner

Planning your week ahead of time is something that makes your life easier, makes you more efficient with your time and helps you to save money. Anyone can make a chart with a simple word processing program. This one is nothing fancy, but you get the idea...

Thursday, April 29, 2010

Taking survey's for cash

Most companies want to know what you like and dislike about just about anything. They will pay good money to find this information out. That's where marketing companies come in. They ask questions, correlate data and give the corporations answers that help them make better products. Its a great process. Getting paid to give your opinion is a wonderful part of that process. In today's world most people don't feel they have time to stop and answer 25 minutes worth of questions. Marketing companies now offer incentives to get the information they need. Some ways include gifts, points for gifts and sometimes cash. Not all companies pay cash reliably. This company, Super Savvy does. You get emails throughout the week that offer you money for asking questions. If you respond you may qualify and get paid, if you don't,  its no harm done. This is something that is great for a stay at home mom. You can do the surveys while your baby naps, when your kids are playing in their rooms or at night after they go to bed. Surveys pay anywhere from $2 to $20 and more. Its fast, easy and if you are comfortable clicking on dots and reading and answering questions, stress free.

Usually there are several questions to see if you qualify to participate. If you don't, you may use 2-5 minutes of your time and get entered in a weekly sweepstakes for cash. If you do qualify, you get paid. Money is usually paid about 6 weeks after you answer the questions.

If you are interested in joining, click here to find out more

Sunday, March 21, 2010

Using Herbs

I went to a great class today, we made tinctures, salves, syrups and filled capsules. I have done some of this before, but participating in a class setting with other like-minded mommies was a great experience. I drove up to TN with two dear friends to visit the farm of Cheri Shellnut, the tnfarmgirl.
Cheri teaches her skills to interested mommies and is a wealth of information. She has been raising her boys using herbal medicine for many years. Anyone that has boys, knows that raising boys without a doctor is a handful. HAHA! Anyway, her class is very reasonable ($40) and you walk away with a salve, a tincture and a syrup that you made yourself and a wonderful little book FULL of information, how-to's and resources. Cheri is not stingy with her information, so unlike other classes where you learn, but you don't find out where to get what you need or what to combine, she helps you along with recipes that she has used and that work.
She is a warm, beautiful Christian woman and I highly recommend that you look up her blog and attend one of her classes if you can make it out her way. You won't be disappointed!

Tuesday, June 2, 2009

Making Mixes

One of the easiest ways to save money is to avoid convenience foods and make it yourself. If you are a SAHM(stay at home mom) and can follow a simple recipe, this is usually not a problem. I keep a running list of what I need to make and when I have free time, I knock them off my list. The nice thing about making your own products is that often its a healthier alternative. Unless you purchase organic products, most convenience products have either MSG, preservatives, high fructose corn syrup, food colorings, GMO foods, or all of the above. None of that is good for you or your family. You can control the amount of sugar and salt that goes into the recipe as well. If you are trying to reduce sugar in your child's diet, reduce the amount called for or better yet, try a sugar substitute or honey. You are in control when you make it at home!
Below are some simple recipes that taste great and can be used instead of the grocery store equivalent. These are recipes that I use frequently and find to be just as good, if not better than the store's equivalent.
If you like the idea of making your own convenience products, check out the book Make-A-Mix
at your local library or find it at Amazon.com. The book is packed with not only spices and sauces, but freeze and bake cookies, bread mixes, and other items that rival the quick-fix foods at the store.


Seasoning Salt
2 tablespoons salt
2 teaspoons sugar
1/2 teaspoon paprika
1/4 teaspoon turmeric
1/4 teaspoon onion powder
1/2 teaspoon garlic powder
1/4 teaspoon cornstarch(prevents caking)
Combine all ingredients in a small bowl and mix well. Pour blend into an empty spice bottle with shaker top to store. Makes 1/4 cup.


CINNAMON SUGAR
1/4 cup granulated sugar
4 tsp cinnamon
Pour into a bottle with a shaker lid



BBQ Sauce
This is awesome on chicken!

1 cup water
3/4 cup light corn syrup
1/2 cup tomato paste
2/3 cup vinegar
1/3 cup dark brown sugar
3 tablespoons molasses
1 1/4 teaspoons liquid smoke
1 teaspoon salt
1/2 teaspoon garlic powder
1/2 teaspoon paprika
1/2 teaspoon onion powder
1/4 teaspoon ground black pepper
1/4 teaspoon ground mustard
cayenne pepper to taste(if desired)

Combine all ingredients in a medium saucepan over high heat and whisk until smooth. Bring mixture to a boil, then reduce heat and simmer uncovered for 45 minutes or until thick. Cool, then store in a covered container in the refrigerator overnight. Makes 1 1/2 cups

Mild Taco Sauce
3 cups water
2 teaspoons cornstarch
1 6-ounce can tomato paste
3 tablespoons white distilled vinegar
4 teaspoons chili powder
2 teaspoons salt
1 teaspoon cayenne pepper (more for a spicier version)

Dissolve cornstarch in water in a medium saucepan. Add remaining ingredients and stir well. Bring mixture to a boil over medium heat, then reduce heat and simmer for 5 minutes. Turn off heat and cover until cool. Keep in a covered container in the refrigerator to store. Makes 3 cups


Taco Seasoning Mix
½ cup flour
2 T chili powder
1 T dried minced onion
1 T salt
1 T paprika
1 teaspoon garlic powder
1 teaspoon sugar
1/2 teaspoon cayenne pepper
1/2 teaspoon onion powder
3 beef bouillon cubes, crushed

Combine all of the ingredients in a small bowl. Pour into a shaker bottle or air tight container. You use about 1/3 cup of the mix for 1lb of ground beef. Brown the meat, drain and add 1/3 cup of the mix and ¾ cup water. Bring to a boil and reduce the heat. Simmer about 10 minutes until the mixture thickens. Serve on your favorite taco shells or tortillas.

Saturday, April 25, 2009

One Income Worksheet

A lot of parents question how it could possibly be feasible to have a one-income family when they can hardly get by on two incomes. It stops them dead in their tracks when they consider homeschooling and realize what it means for them financially.

If you step back and look at your individual situation you may find that it would not be all that difficult. You would be surprised at how much it COSTS to work full time! Consider this worksheet when figuring out whether it is feasible for you to quit working and home school your children. Take your income per month and subtract the following:

• Gas to and from work (ouch!)
• Eating lunch out with co-workers
• Corporate Wardrobe
• Dry-cleaning Corporate Wardrobe
• Meals your family eats out because you don't have time to cook
• Day care or Before/Afterschool care for children
• Convenience foods to save you time because you work
• Maid service?
• Kid's lunches at school



Now get rid of all those costs and add in these cost benefits

• Your children no longer need "Brand X" to stay cool with their peers
• You can cook from scratch lowering your food bills dramatically
• You can clip coupons and actually use them
• You can shop at a sale because you have the time
• Your tax base lowers



In addition to the cost benefits think about these things You have more time for your family

• Your kids spend the day with you instead of other adults who you may or may not know
• Your kids spend less time with unkown peer groups and peer pressure
• You have regular meals at home together rather than on the go in the car on the way to who knows where



In our situation we were better off with me home. My job required numerous lunches out with clients and a horrendous dry cleaning bill. I never would have gotten to know my children the way I have if I wasn't homeschooling them. I can't say that I miss the deadlines, the long hours or the pressure either!

Tuesday, April 21, 2009

A day in the life of a homeschooling family…

I wrote this several years ago, but it still pretty much describes our day. Not any two home schools are the same. There are even books out there that tell what each family is like. The key is to be yourself. Do what works for you and your family and don’t worry about what anyone else is doing.

There are so many myths out there. This is what I have learned...I am not a public school and I don’t NEED a separate classroom. I don’t NEED a row of desks and chalkboard-my children have not and will not fail miserably because I let them sit on the couch to read their science book. And guess what? We often before breakfast had a history lesson (reading) in bed and in (gasp) PJ’s! You don’t need a BS in Education to know what your children want to learn about, how they understand instruction best or that they do better learning at night than in the morning. It's one on one and its the ideal environment to learn...with Love!

A typical day...
The alarm usually wakes me about 6:15am. I set it a little earlier or later depending on the day before and what is in store for us that day, but today, it’s typical. I shuffle to the laundry room and throw a load of laundry in the washing machine, get a loaf of bread started and hit the start button on the coffee maker. Fully awake now I can settle in my seat on the sofa with my Bible for a few minutes of undisturbed reading. Five minutes into my dream morning, my son flies into the room and lands on the couch with a decidedly earth shattering landing. I put my Book away and cuddle with him for a few minutes.

My coffee machine is soon making its gurgling noises which signal that my cup of energy is moments away. By the time I have my cup of coffee and am back on the couch with Brandon, Savannah appears with a sleepy grin and joins us. The two siblings battle for a position closest to mom and we cuddle until Brianna, my oldest, makes her way out of the bedroom and into Daddy’s recliner. Once everyone is seated, we discuss our dreams. Not a planned activity, but it has become a trend in the morning. My daughters discuss their bizarre dreams with vivid detail and Brandon always has a story to tell that, while he claims is his dream, bears a close resemblance to a combination of all of our stories. We always get a good laugh out of his vivid imagination.

By now, it is near 7 and I am ready to read from our devotional. This year we are reading from the “One Year Bible for Kids” which has taken almost two years to read! After reading and a short prayer for a good day, we read from my latest choice of historical fiction. Today it is Memories of Anne Frank. The girls sit still and listen, but Brandon can only make it through our devotion before he is ready to play on the floor, so he transitions to the carpet to drive his construction vehicles through a newly found pile of Lincoln logs and I read until almost 7:30.

After reading, everyone is up and off to do chores. I flip on the radio or cd player to add some music to the house and make breakfast while the kids get dressed and do anything from feeding the dog to emptying the trash baskets in each room. We have used this time to listen to specific composers, types of music or music with the time periods we are studying. Today we are enjoying a contemporary Christian station that we love and Focus on the Family is just starting as we sit down for a good breakfast and then finish up with chores after we eat. At this point I usually make a beeline to the computer to see if any “emergencies” need my attention and address home schooling emails with my “support group leader hat”.

At the beginning of each week I print out a sheet of assignments for the girls(Brandon isn’t ready for that kind of structure) from my Homeschool Tracker software. So, the girls know what to do and choose how to do it and in what order. Generally I try to have them do the “strenuous” brain stuff early on in the day so they don’t fizzle out before they get through Math U See and Analogies. Both girls are doing Wordly Wise 3000 for vocabulary and Savannah is using Daily Grams 2 / 3 and Brianna is using Rules of the Game 1 for grammar.

For science, Brianna, is working through Apologia Chemistry. For biology, she attended a lab with several friends about twice a month at a close friend’s home. I wasn’t particularly worried about teaching the lab, but when my friend, who has is an RN and has a Masters in Biology offered, I was more than willing to turn her over to a professional! This year, the labs are done at home if she desires to do one. Since she already met her lab requirement for science and isn’t planning on pursuing a career in Science, I don’t push it. Savannah and Brandon receive no “formal” instruction in science. Anotherwords, we don’t do text books. Brianna didn’t even know what one was until she was old enough for Apologia General Science and transitioned without incident. I like to let the kids explore topics of interest and we frequent parks for nature walks with our NatureHike Backpack and have created living quarters for numerous critters using the tips outlined in the book “Pets in a Jar”. I never push a subject and allow them to pursue it to their hearts content. We once spent six months on Astronomy and followed it up with about 2 days on spiders! Whatever they are interested in drives our learning. We currently have two Ladybug Lands occupied with ladybugs and our butterfly bush in our herb garden is filled with Yellow Swallowtails, Black Swallowtails and two other species they have yet to identify. We have watched Praying Mantis emerge from egg cases in this same bush and seen mockingbirds hatch and learn to fly from it as well. Life is full of opportunities for learning, so I try not to bog them down with too many required books when there is so much out there to pique their interests for free! So while Brianna finishes up a lab sheet, the two younger ones go out to feed the fish in our pond and check for toads and other critters in the front yard.

Soon Savannah is back in for some tablework(its too hot” she says) and Brandon wants to watch his Rock n’ Learn and Leap Frog videos. I tell him he can after he plays quietly for a while. I am trying to teach him to use his own skills to occupy himself more often and let him play on the floor for about 30 minutes with beads and shoelaces before we pop in his ABC video. He has learned all his letters, colors and numbers with these DVD’s and although my initial reaction to his ambivalence toward my teaching was to take in personally, I soon found that the key to him learning was music, colors and action. So we give him that whenever we can. He isn’t big on sitting still either, so we learn without seats most of the time. I am introducing him to Handwriting without Tears because it uses stuff he loves like play doh, water and magnets. It’s a good fit for a kid that can’t seem to handle a pencil very well and he likes it.

Lunch is soon upon us, so we whip up some sandwiches and pack our bags for the afternoon. Both girls take music lessons every other week, so they pack some things they can do in the car and get their music books together. Today we are listening to Focus on the Family’s presentation of The Hiding Place in the car. I have a small library of audio tapes and CD’s that present historical fiction and literature in a refreshing way. I LOVE Jim Weiss’ tapes and we all adore his renditions of Shakespeare and the GA Henty books have been wonderful. We listen on the way to lessons and on the way back, the girls read from the historical fiction reading lists I have given each of them. I present history in segments somewhat like in the Well Trained Mind and give them lengthy lists of “Living Books” to choose from for structured reading. We are studying modern times at the moment. 30/45 minutes minimum must be spent on this type of reading, but I find the both girls read much more than that. They love the books we choose from a wide variety of sources. They can spend additional reading time on books they choose to read(unstructured reading). Savannah is currently reading “The Lion, the Witch and the Wardrobe” by CS Lewis again. Her first time reading this book was in anticipation of the movie release. They cannot see a movie remake of a book unless they read the book first, and of course, the movie has to be acceptable as well. Brianna is reading “The Lord of the Rings” by Tokein and working through the Lord of the Rings Literature Unit by Amelia Harper. She is looking forward to watching the first movie after she finishes the unit she is currently working on.

After lessons, I make a side stop for a few groceries. I started couponing a few years ago and got really serious about it last May. I read a book called “Smart Spending” and have saved at least 50% on my grocery bill every month since then by refining a few of the ways I was shopping. It has made a huge difference in our grocery bill and as a result, we can attend more activities outside the home when we want to. As soon as we are home, Brianna is on her laptop doing research for her Debate class with The Cultural Commission and Savannah flops on the couch to read. Both girls finished their table work before we left the house at noon, so I sit down to check their work before I start dinner. Brianna is using the computer a lot more this year for school. In the past, she did an Alpha Omega Switched on Schoolhouse course of High School Health, took a research writing course with ‘Write at Home” online and has learned the value of a good search engine. We use Earthlink Kid Patrol to help protect her experiences online and time is limited to 1 hour per day. It leaves little time for email and we don’t do chat rooms. She is on a closed forum for her debate class but it is strictly moderated and is a safe place for her to reflect on her faith and the issues our country is facing in today’s world. If she wants to chat with a friend, she can call her friends on the phone after dinner. All computer time is spent in the living room with everyone around as an additional precautionary measure. My husband and I both want her to learn everything there is to know about technology without getting an eyeful of all the undesirables out there.

I start dinner about 5:30 and the girls assist in getting the table ready and fixing side dishes. Sometimes, when we aren’t going out on errands or lessons, I organize shopping lists, spot clean or work on my website. When we don’t feel like work, we play educational games. Some favorites are “Blink”, “Equate”, “Bethump’d” “Scrabble” “Mancala” and “Payday”

Brandon is busy with blocks at this point on the floor and I ask him to pick up his trucks from the morning if he is going to play with blocks. Daddy comes home around 6 and we have dinner and clean up and get ready for bed. Then we have “settle down time” We turned off our satellite some time ago. Instead of paying that fee every month, we invest in DVD’s of our favorite television shows. Our latest investment was in the first season of "Little House on the Prairie." They are all new to my kids and Charles and I love them. We watch one episode each night. My husband recently planned out a TV programming schedule for us which is posted on the fridge …”Sunday is Extreme Home Makeover, Monday is Little House, Tuesday is “Andy Griffith”, Wednesday is Little Rascals, etc.” I think it’s a wonderful idea! The kids are off to bed around 8:30 and the older ones can read in bed if they aren’t too tired, but I want no complaining the next morning if its hard getting up. After they are in bed, I finish grading and prepare for the next day. And, if it’s before 11:00pm when I turn off the lights, it’s been a GREAT day!

Frugal Living is Fun!

It really is, but you have to have the right attitude. As it almost becomes a necessity to watch all your dollars and cents, living a purposeful frugal life keeps the stress to a minimum. Spending your money carefully and frugally doesn't always mean giving up life's daily pleasures. You could put away your savings to splurge on a family vacation, for more weekend getaways, or dinner out with the family on Friday nights. Remember, stretching your budget is smart. It is an attitude. Embrace it and start planning that trip to your favorite vacation spot!

1. Analyze those utilities.
Check your house for ways to cut energy costs. Fix leaky windows, add more insulation in the attic, switch out light bulbs with new compact florescent bulbs when they die. Fix leaky faucets, turn down the water heater, etc. Your energy suppliers will have surprisingly wonderful ideas to help you cut costs. Some have rebates on energy saving upgrades, different billing options from averaging to Time of Use discounts. Ask and find what they have for you and your family.

2. Negotiate with phone companies.
You can cut your phone costs with packages, but don't get sold on more than you need. What good is 250 channels if you only watch three of them? Check with competitors and negotiate those rates. You can usually keep the rate you have when they hike their rates with a little negotiation. Take good notes so you can call them back if they fail to come through on a promise.

3. Pay off debt
I know, I know, everyone says that. Really you should try to avoid it to begin with, but if you pay off the credit card each month, or stop using it when you have a balance, you will bring those balances down quickly. Eliminate the highest interest debt first. Pay as much as you can each month. When its gone use that money to eliminate the next one. Then, start a budget for those things you want and need. By putting away money now, you will have the money when your 10 year old car dies and you need a new one. Pay cash for it and start saving for another one. Putting a little toward each wish item makes a lot more sense than paying some huge credit company for 20 years for the television you couldn't wait to buy.

4. Homemade is less money.
Pack your lunch, watch for coupons on restaurant.com, use a rewards card(that is paid off) to earn gift cards to your favorite place to eat. Eating out can be the biggest expense in a home if you are not careful. Plan ahead and use your crockpot. Double up recipes and freeze the other meal for another night. Even those hot coffees on the way to work can add up. Try getting a nice travel mug and taking your own. If you spent a little more on a good ground coffee at home, it would save you tons of money over getting a drive-thru java each day.

5. Coupon
Yes, coupons. You can save a lot of money clipping them and using them wisely. I typically save over 50% on my shopping and try to stay around 75%. This type of shopping is not going to be a weekly event but as sales present themselves. We work with what is in the house. This makes meal planning easier and keeps impulse buying down as well. I will explain this system on my blog as I have opportunities.

6. Save.
When you start cutting costs and saving money, put that money away. Don't spend it on the first thing that strikes your fancy. Make goals with your family. Short term and long term. Let the kids participate too. Take the spare change you have at the end of the day and start a vacation jar. When its full, cash it in and make a deposit toward your family vacation goal. Apply whatever you can save in other ways and make life better. My initial coupon savings got us a deep freeze. Then I could stock up on freezer items that were on sale and not be limited in purchasing because I was out of space. Now the savings gets us through a difficult financial crisis with the economy, but it was our Friday night out money. We got to eat out, together every friday night with what I was saving and we were putting money away for vacation with it too. Set your priorities and make it a family goal. You'd be surprised what you can do!