Jennifer Lambert

A Sacred Balance

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Teaching Kids About Money

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Productive Homeschooling - Printables and Tools for every homeschool

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I’ve always talked openly to my children about money.

It never occurred to me to be any other way. My parents were open with me and I learned so much as a teenager, sitting in on their meetings with financial advisors, housing brokers, and bankers.

My husband’s family did not discuss finances and it shows.

It’s important that I actively teach my kids about finances.

State and federal salaries are public knowledge, so I’ve always been open with my kids about what we have, how we save, investing, and spending.

While I don’t necessarily expect them to maintain all my values explicitly, I want them to have the knowledge to make wise money decisions.

How I Teach My Kids About Money

Value

From as early as they express interest or show readiness, I teach about value.

Value isn’t just monetary worth. It’s the regard it is held to deserve; the importance, worth, or usefulness of something.

I hold certain things with very high value that others do not. It’s about priorities.

When my kids accompany me while shopping, I constantly point out value to them, why we buy this item instead of that item. I’m not brand loyal, except for a very few items that have proven quality.

It’s important the kids assist me while shopping and conversations often come up about our purchases and shopping trends.

When our toaster went belly-up, I researched a good replacement instead of just ordering one or rushing out to the store to purchase what was in stock.

We also discuss waste and limits. We eat leftovers. We prefer sustainability practices.

As my kids grow, they will develop their own priorities and set their own value to goods and services.

Quality is better than quantity.

Saving

My parents opened savings accounts for each of our children when they were born.

We encourage our children to contribute to their savings when they’re older and start working part-time jobs.

We explain the importance of having some liquid emergency savings for contingency.

We teach about investments. We teach about insurance.

We have 529s for our children for higher education. We have IRAs and mutual funds for retirement.

Pay yourself first.

Giving

Philanthropy is important.

I believe being generous should be a life goal.

While we are not wealthy by any standard, we donate often to charities with our funds and handmedowns.

We look for needs to fulfill. We don’t expect recognition or thanks.

Giving is more than just offering money. It’s a way of life, an attitude. Generosity of spirit.

“You have not lived today until you have done something for someone who can never repay you.” ― John Bunyan

Spending

Many think spending is the easy part of money management.

After monthly bills are paid, investments funded, savings bumped, what is left over?

Sometimes, it’s not much.

I have a spending plan instead of a strict budget. We shop for groceries every week and clothing and miscellaneous as needed.

As my children get older and acquire their own money from gifts or small jobs, they learn how to spend it on items they want. They also learn about sales tax.

When teens get their first part time job, they learn first-hand about taxes and other deductions.

I recently had to have a conversation with my eldest about what she termed “our money troubles.” When I was confused, she explained she didn’t want to burden us financially. I was still confused. She asked why I always said we didn’t have any money.

When I say I don’t have the money, I mean that we have prioritized saving and investing over instant gratification.

I can afford almost anything.

I have the ability to accept risk of credit and debt, but I choose not to, so to me, that means I don’t have the cash money to buy something I consider frivolous or valueless.

I choose to make different financial decisions based on what I value. And I choose not to incur further debt.

Instead of buying another car, we are choosing to share vehicles right now.

Instead of choosing to travel or vacation, we are staying close to home and occasionally go on day trips nearby.

Opportunity Cost

It’s important to learn and teach the loss of potential gain from other alternatives when one alternative is chosen.

For instance, if my son wants to buy YuGioh cards with his birthday money, he can’t buy the BeyBlades. He has to make a choice.

I make harder choices all the time.

We batten down the hatches and get very frugal if an emergency comes up, like a car repair or pet surgery. We like to pay cash and not use credit cards whenever possible.

If I choose to get takeout for dinner one busy night, we have to eat home-cooked meals and clean out the freezer and pantry the rest of the pay period. It sometimes requires creativity.

We often wait for the hit movie to go to online streaming (even if we pay $5 to rent it) instead of paying so much for 6 of us to see it in the theater.

If my daughter needs new shoes, I wait to buy myself something, even if I “need” it.

It’s really important to learn the difference between needs and wants in our consumer post-capitalism society.

We discuss propaganda, marketing, and advertising. We discuss ads on social media and games.

I’m always last. I go without so they can have abundance.

Allowance or Commission

I don’t give my kids an allowance.

No one gives me an allowance.

We all complete chores that makes our household run smoothly.

Allowances aren’t natural. Commissions for small jobs work better and teach financial lessons.

My kids often ask if there’s some special task they can complete for some spending money and I almost always oblige.

Many banks offer teen debit cards that help them to learn how banking works. My kids all had savings accounts from birth and they added checking accounts when they began working part-time.

Often, I create little jobs they can do for a few dollars so they learn the value of working for pay. If they don’t do a good job, they don’t get paid. Sometimes, they have to go back over their work to do it well.

Debt

Living as a middle class American, we grew up thinking and believing that debt is just a part of life.

We live in an instant gratification disposable society. Advertisements are everywhere, affecting our emotions by telling us we aren’t good if we don’t have the newest smartphone, car, clothes, or toys.

Debt is a risk many accept as being a normal and expected part of our society.

Debt can also be slavery and devastating during financial downturns.

I actively teach my children that debt is typically bad in most, if not all, circumstances.

I know few people who are able to pay cash for cars or houses.

But we know many people who would be bankrupt or even homeless within a month if all their debt was called in or they lost their jobs.

I don’t believe in using credit cards except in emergencies.

Credit cards are ways to help teens and young adults gain credit, but they must be monitored well and paid off each month.

I don’t believe in student loans for college.

We have one car loan and one credit card. We are paying off a consolidation loan.

I teach my kids that by using loans and credit cards, you are paying twice.

You can’t pray debt away. I don’t buy into the prosperity gospel at all.

Personal Financial Goals

Everyone develops his or her own financial goals based on priorities, past history, income, and interests.

We choose to invest for our future.

We limit our instant gratification. It’s easier sometimes since we move around so frequently and can’t justify buying things just to sell them if we can’t take them with us.

We choose to travel rather than buy frivolous gifts, usually.

I choose to buy cut flowers every week to brighten my dining room. It’s something that makes me happy and I value that.

My kids seldom ask for things when we go shopping. When they do, it’s something super practical or for all of us. They understand the difference between needs and wants. They seldom ask to eat out.

I choose to buy the best quality food and cook most things from scratch because I enjoy it and it’s healthier for us. Yes, it costs more than beans, rice, ground meat. But we seldom eat out – which does cost a whole lot for a family of 6.

An acquaintance lives in a house valued at a $half million. Then I learned they haven’t invested anything for their kids’ college or for retirement. They just spend everything.

How do you teach your kids about value?

What are your financial goals?

You might also like:
How We Save Money
How to Set a Budget
5 Money Tips
5 Frugal Tips for Buying Kids Clothes
Losing Control
A Frugal Birthday
Shopping in Germany
Obstacles to Being Frugal During the Holidays
How to Have a Debt-Free Christmas

Linking up: Kingdom Bloggers, Welcome Heart, Anita Ojeda, Pinventures, LouLou Girls, April Harris, Home Stories, Purposeful Faith, MaryAndering Creatively, Mary Geisen, Meghan Weyerbacher, Modest Mom, Uncommon Suburbia, Our Three Peas, Gingersnap Crafts, Grandmas Ideas, Sarah Frazer, Life Abundant, OMHG, Anchored Abode, Soaring with Him, 2Dishing Divas, Life with Lorelai, Quiet Homemaker, Chic on a Shoestring, Anna Nuttall, Answer is Choco, Mommynificent, Simply Sweet Home, Della Devoted, Momfessionals, Fireman’s Wife, CWJ, Apron Strings, Susan Mead, Counting My Blessings, Rachel Lee, Create with Joy,

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Tips for Teachers With Low Budgets

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Productive Homeschooling - Printables and Tools for every homeschool

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With school budgets growing tighter, the modern teacher needs to be resourceful in securing supplies for the classroom. Teaching is a demanding job and creating a lasting impact on students is difficult without the proper resources. Luckily, there are a few tricks for getting around high-cost items, and still give your kids the best experience possible. 

Printables

If your school won’t give you the budget to buy non-standard paper items, there are ways to produce them yourself. There are templates for printing graph paper, various lined paper or coloring sheets online. You will only be printing the amount you actually need, so this is also a good way to reduce waste. There are also plenty of worksheets and workbooks available online for free, or a fraction of the cost, of physically published ones. You can even find fun craft time ideas to engage your students. Just make sure you’ve got the ink and the budget for high-volume printing!

DIY Smartboard

Smartboards are one of the technological staples of the 21st-century classroom. They make introducing concepts to your students more visually appealing, interactive and internet-friendly. Unfortunately, they cost a fortune. If you want to provide your young minds with this dynamic teaching device but your school can’t afford it, there’s a surprisingly easy way to make it yourself! This is probably a good idea even if your school can afford a real one. All you need is Bluetooth, a Wii controller, an infrared pen and the correct software. Depending on what grade level you teach, you could include your students in the process as a lesson in itself.

Donations

The future is crowdfunding! Many people are sympathetic to the plight of the teacher and the lack of funding, parents especially. Everyone wants what is best for the children, right? There are many platforms like GoFundMe and Kickstarter that allow you to reach out to the public and accept donations online. You can create a wishlist on sites like Amazon that allow people from anywhere in the world to send you what you need. You may be amazed at the support you receive. This generosity and community spirit can be motivational for you and your students, as well. Coming together is one of the strengths of humanity.

Electronic Alternatives

It may seem counter-intuitive, but investing in electronic alternatives to traditional teaching supplies could save you money long-term. Rather than buying more paper, writing utensils and books every single year, a one-time investment in tablets or laptops for your little learners could replace all of these outdated expenses at once. They could also save your students from future back problems- no more huge backpacks filled with heavy books and supplies! Books become PDF files, essays are typed and submitted online and even those bulky, expensive calculators are replaced. There are many applications for in-classroom educational games that students participate in together, as well. This flexible technology makes the possibilities for learning endless.

As the times get tough, the tough get creative. Children are the future, so their education is imperative. Please consider these options when planning for your next school year!

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Online Yard Sale Tips

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Productive Homeschooling - Printables and Tools for every homeschool

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It’s that time of year again.

Spring cleaning.

Purging.

Minimizing.

Everyone who got guilt trips from Marie Kondo’s Netflix series.

My kids are growing up and outgrowing toys and homeschool curriculum.

We donate most of our used stuff to thrift stores. One year, we had a huge yard sale. Now, I try to sell nice items online for a little extra cash.

Typically, these online yard sale transactions are done in a public space with cash in hand. Big furniture items are usually viewed in home. I like to have someone with me for exchanges. Always be safe!

Occasionally, items are shipped with shipping extra. Money can be exchanged through Facebook or Paypal. I seldom go this route because it’s extra stressful to pack and ship and I haven’t received the money twice.

Some items are banned for resale, such as firearms, mattresses, car seats, baby formula.

Some groups or sites don’t allow handmade items.

Also, these online sale sites are not the place to promote your personal MLM or home business.

Online Yard Sale Tips

Know the lingo. Be kind. Be on time.

Be the seller/buyer you would want to work with.

Online Yard Sale Terms

P/U = Pick-Up. This is usually followed by the location and/or time to meet to sell an item.

PPU = Pending Pick-Up. The item has been agreed to a time and place for pick-up. This may change if someone cancels, changes their mind, or doesn’t show.

Cross-Posted = lets potential buyers know that the item has been posted in more than one place

Bump = Sellers use this term to comment in their own listing and “bump” the item back up to the top of the feed, to give it more exposure. There is usually a rule about how often an item can be “bumped” – typically once a day.

ISO = In Search Of. People often ask for specific items in groups.

OBO = Or Best Offer. The buyer would consider other reasonable offers.

Next = People use this to let the seller know they are interested in the item if someone has already shown interest before them.

NWT = The item is new with tags.

NWOT = The item is new without tags.

Interested = What potential buyers typically write in the comments of your post if they want to buy your item.

Sending PM = Sending Private Message. This is how a potential buyer communicates with you as a seller. Typically, since these people will not be your actual Facebook friends, any messages from them will be filtered into your “other folder.” This is found at the top of your Facebook page, under your message folder.

Porch pick-up = Usually, the seller leaves the item on their porch and the buyer places the money in an envelope in a hidden spot. Or vice versa. I don’t like doing this!

Online Yard Sale Etiquette

Know the group or page rules. Follow the rules.

Lately, people don’t even comment on the post, but immediately private message to “get in line.” It sometimes becomes difficult to keep track of message order on a popular item. I often just reply to messages with a number to help keep things straight. I’ve had some people get frustrated with this, but it only seems fair. Occasionally, I have someone who wants to rush the process and claims they will pick up the item right this second.

It’s important to post if you have pets, smoke, or have other circumstances that could cause allergic reactions in sensitive people.

Be prompt in communication. Answer questions in a timely manner or you’ll lose the item to the next commenter or messenger!

Please don’t ask stupid questions and waste everyone’s time. If you’re not familiar with a product, do your own research. Don’t ask the seller to give you the rundown on the item’s pop culture, history, or random trivia.

Unless it’s a big furniture item or a pricey collectible or antique, you just have to take your chances. Don’t ask to come “see the item” without bringing money or intending to purchase. It’s just rude.

Park in an area that’s not very crowded. Tell the color and make of your vehicle in a message so the seller can find you.

Show up on time to purchase or sell an item. My son will never let me live it down that we once waited 45 minutes for a buyer who never showed. He kept messaging that he was stuck in traffic, but apparently, he was just a troll who never wanted the item anyway.

Have exact amount of money that is requested.

Posting Items for Sale

When posting your item for sale, be honest about its history and the condition. Be prompt replying to messages. Be available to meet up to sell.

Include:

  • good images, with proper lighting and all angles
  • condition of item
  • dimensions, if relevant
  • reasonable price

Have fun! It’s kind of exciting getting some cash for items no longer needed or wanted. And it’s really great finding a good deal for something you want!

Do you have any tips for online yard sales?

Linking up: Our Holiday Journey, Create with Joy, Lori Schumaker, Welcome Heart, Pinventures, Inspo for Moms, Mostly Blogging, Blogghetti, Squishable Baby, Mary Geisen, Timeless Mama, April Harris, LouLou Girls, Abounding Grace, Jaime Wiebel, Mary Andering Creatively, Meghan Weyerbacher, Home Stories, Trekking Thru, Gingersnap Crafts, Jessi’s Design, soaring with Him, Sarah Frazer, Worth Beyond Rubies, My Life Abundant, Oh My Heartsie Girl, Try It Like It, Debbie Kitterman, Over the Moon, TFT, Mississippi Mom, Wise Woman, Rachel Lee, Crystal Storms, Apron Strings, Imparting Grace, Momfessionals, Della Devoted, Counting My Blessings, Life with Lorelai, RCH Reviews, Fireman’s Wife, Simply Sweet Home, Create with Joy, Crystal Waddell, Susan Mead, Lyli Dunbar,

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How to Save Money while Shopping

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Productive Homeschooling - Printables and Tools for every homeschool

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Our grocery budget is higher than anyone’s I know.

We have different priorities for sure and food is high on the list. We don’t cut corners. We like all-natural and homemade. We like to cook and eat together. I’m home with the kids seven days a week and we all eat three meals a day together. Aaron joins us after work each night for weekday dinners and helps cook meals on weekends. My kids are turning into great bakers and cooks!

See what we eat every week. See an example of our grocery expense a few years ago.

I’m not into couponing and most of the items I regularly buy aren’t in regular coupon circulars anyway.

I want to be a good steward of our financial resources and I want to teach my kids about budgeting and being good stewards as well. It’s a constant balance between spending more on the better quality and healthier options and trying to save money where it counts.

I primarily shop at Kroger since that’s our closest grocery store. I really like Meijer, but there are only a few in our area that I occasionally shop at. I buy several things at our base commissary each month, like bacon, sausage, and cat litter – because they’re remarkably cheaper and tax-free. We buy all our meats at a local butcher shop. I occasionally shop at our local Walmart. I shop at Costco every few months to stock up on a few items. I buy cat food and wild bird seed at Chewy because it saves me time and money and I don’t have to lift the bags except to drag them into my house.

I shop online for lots so I don’t have to interact with too many people. I also like self-checkout when I can! The site to store shipping option is my fave.

Shopping isn’t entertainment for me. I don’t like browsing or window shopping.

I usually check these FREE apps on Thursdays when they update.

How to Save Money while Shopping:

Ibotta

This is my favorite service where you upload your receipts for 287 participating stores and receive instant rebates.

It’s most convenient on mobile where you can you access the camera to take pics and upload the receipt.

For Walmart and some other stores, you just scan the QR code on the receipt and it’s smart and does the rest for you!

You choose your store and the items you’ve purchased each week to receive cash back on those purchases.

Sometimes, there are offers on “any item” or “any brand” and those are wonderful.

There are bonuses each month or so that you can earn more.

You can use this app to earn even more when you shop online.

Some of the deals are combos, like you buy a certain brand of crackers and any kind of cheese.

There are great rebates on baby items.

You can cash out once you’ve earned $20. They send via Paypal.

I love love LOVE that it offers deals at military commissaries.

I’ve earned over $70 this year with iBotta.

Sign up for Ibotta now!

Checkout 51

This is another service where you upload your receipts for participating stores and receive instant rebates.

This app has improved a great deal in the last few years. They are consistent with a few brands but offer great deals on those. You can link brand accounts to save even more. I love that they offer Back to Nature and Bob’s Red Mill and other more natural organic product deals.

You can add loyalty cards to the app for a few participating stores. Sometimes, you can earn on several items at once.

It’s also most convenient on mobile where you can you access the camera to take pics to upload your receipt.

You choose the items you’ve purchased, upload your receipt, and receive cash back on those purchases.

You can cash out once you’ve earned $20.

I’ve earned over $20 this year with Checkout 51. They only mail checks, which I don’t really like.

Sign up for Checkout 51 now!

Rakuten

I’ve earned over $150 shopping online for things I would buy anyway.

I use Rakuten when I buy floral arrangements for my mom or friends.

I use it when I’m buying needed items at Kohl’s or Lowe’s or Walmart and use the free ship to store option. It saves me time and earns me money!

It’s free and even has a nifty little Chrome plugin so it manages coupon codes and alerts you if there’s a better deal at a competing store.

You can link a credit or debit card to earn cash back when you shop in-store!

Join Rakuten now!

Honey

Honey is a great price checker online so I can get the best deal.

I can save items for up to 60 days. They will alert me when there’s a price drop!

This is super handy around the holidays.

Join Honey now!

Coupons

I don’t do many coupons and I don’t follow my favorite brands on social media or subscribe to newsletters to get updates and deals. I know that there are some good options out there on some items. I find that the little savings they offer isn’t worth the stress and clutter of my inbox and mailbox.

I like the Kroger app for in-store coupons for things I’m going to buy anyway. Kroger also mails me coupons periodically for items I’ve bought in the past.

I have apps for Hobby Lobby, Joann, and Michael’s for their weekly coupons – that I utilize only the once in a while that I shop there.

I check the Kohl’s app for coupon codes before buying. This is pretty much the only clothing store I use.

And I use the Chick-fil-A app to earn free items!

Loyalty Cards

These irritate me to no end, but I try to remember to use them. It seems that every store has a loyalty card these days and some of the perks are barely worth it. I like the Kroger card to save on gas and store brand items. If the store has an app that I can link the loyalty card to, I am much happier.

We move so frequently and the cards aren’t always transferrable or the store isn’t in our new city or state. Then we have to start all over again.

What unique ways do you save money?

You might also like:
How We Save Money
How to Set a Budget
5 Money Tips
5 Frugal Tips for Buying Kids Clothes
Losing Control
A Frugal Birthday
Shopping in Germany
Obstacles to Being Frugal During the Holidays
How to Have a Debt-Free Christmas

Linking up: Our Holiday Journey, Modest Mom, Squishable Baby, Mostly Blogging, Inspiration for Moms, Lori Schumaker, Holley Gerth, Darling Downs Diaries, Create with Joy, MaryAndering Creatively, Life of Faith, Timeless Mama, Let It Shine, April Harris, LouLou Girls, Meghan Weyerbacher, Purposeful Faith, Trekking Thru, Blogghetti, Ducks in a Row, Jessi’s Design, Our Three Peas, Bringing up Georgia, Gingersnap Crafts, Jaime Wiebel, Soaring with Him, Sarah Frazer, Creative K Kids, Life Beyond the Kitchen, A Bountiful Love, Penny’s Passion, Katherine’s Corner, My Learning Table, Organized 31, Be Thee Inspired, Imparting Grace, Crystal Storms, Mommynificent, Simply Sweet Home, Coffee with Us3, Overwhelmed to Fulfilled, Easy Peasy Pleasy, Anna Nuttall, Answer is Chocolate, Susan Mead, Crystal Waddell, Bright on a Budget, RCH Reviews, Momfessionals, Blended Blog, The Charm of Home, Lyli Dunbar, Counting My Blessings, Create with Joy, Being a Wordsmith, Our Mini Family,

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What We Eat Every Week

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Productive Homeschooling - Printables and Tools for every homeschool

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We actually eat almost the same things every week.

It helps with planning and grocery shopping.

I use Checkout 51 and Ibotta apps along with Kroger sales and coupons to plan our week.

We buy most of our fruits and veggies and other items at Kroger. I occasionally buy organic. I plan to buy more from local farmers markets and perhaps growing some of our own this year.

We buy almost all our meats from a local butcher shop. I like knowing our meat is local and without hormones and other additives. They live happier lives and we’re happier not consuming mass-produced feedlot meat.

What We Eat Every Week:

Breakfasts

My husband usually makes breakfast for the kids on weekends and lets me sleep in. They love egg hash with sausage and potatoes, pancakes, waffles…all the things I seldom make. Tori’s favorite is eggs Benedict.

My typical weekday breakfasts for the kids are a combo of scrambled eggs, Oscar Mayer natural bacon, Jones sausage links or patties, steel-cut oatmeal, 10-grain porridge, cheesy grits, Annie’s canned biscuits with jelly, occasionally homemade muffins or scones.

Katie sometimes makes a lovely breakfast cake or muffins.

The girls sometimes get up late and have the yummy new protein Cheerios.

I have coffee and sometimes what the kids are having, but usually a mango-spinach or berry smoothie. Sometimes yogurt with fruit and homemade granola.

Lunches

Katie loves to make these little tortilla pizzas. Quesadillas are an easy lunch that kids can make.

We often have sandwiches or charcuterie platters.

Sometimes, we have leftovers, but we’re getting to the point there aren’t many! Sometimes, we have a fancy tea time with cute little sandwiches. When the kids were little, we did Muffin Tin Monday.

Dinners…

Sunday

We usually have leftovers or something quick prepped from the freezer.

Twice a month, the girls participate in church activities in the evening, so we don’t bother making a big fancy meal most Sundays. Sometimes, we even get some takeout.

Monday

I’m usually rested after the weekend, so I go all out and prepare something special.

I’ll go to the store and get fish to try or something a little different than our norm or that takes more time.

Sometimes, we have huge salads with grilled or leftover meat.

We like chicken Marsala.

Tuesday

Tacos, duh.

I make our own taco seasoning and use it in lots of dishes. Sometimes, I make a taco noodle casserole or baked chicken enchiladas.

Sometimes, we mix it up and have Asian tacos.

Wednesday

Usually something in the slow cooker, like a stew or roast. Sometimes something that’s quick and easy that can be thrown together last minute.

Swiss steak is delicious with lots of veggies.

Pork tenderloin is super easy and flavorful.

Everyone loves these Asian slow cooker pork ribs.

 

 

Our favorite soups: cream of vegetable, dill chicken, ham and bean.

Thursday

Usually something easy like pasta, potatoes, or rice and a grilled meat and steamed veggies. The kids have an architecture class at the library and it’s about a 30 minute drive, so we’re home about 7 and my husband finishes up what I’ve prepped.

Cashew chicken is a go-to that’s really easy to make.

I marinate meat in bags and it grills up super nice! These are great for camping, busy weeks, or grabbing a bag from the freezer when I’m out of ideas.

We reviewed eMeals one year and got some fun new meal ideas.

Friday

Homemade pizza. With a movie.

I usually have sliced tomatoes, sliced mozzarella, oregano basil garlic, with a few dollops of pizza sauce.

My husband and two kids like sausage and/or pepperoni. Two girls like sausage, pepperoni, onions, and red bell peppers.

Saturday

We often grill steaks or hamburgers.

When my husband travels out of town or works late, I make the things he doesn’t like – like tuna casserole or turkey divan, and lots of bell pepper dishes.

I’m also incorporating more vegetarian dishes into our family’s recipe repertoire.

We seldom dine out. I am usually disappointed at the quality for the price. I don’t like not knowing where my food comes from or what’s in it.

And I like that I can eat dinner in my loungewear.

There isn’t much that I can’t make myself at home – better and cheaper.


Linking Up: Brenda Bradford Dottinger, Trekking Thru, Life of Faith, The Mrs. Tee, Wise Woman, Modest Mom, Timeless Mama, Our Holiday Journey, Jessi’s Design, Creative K Kids, Grandma Ideas, Inspiration for Moms, Journeys in Grace, Meghan Weyerbacher, Jaime Wiebel, God Sized Dreams, MaryAndering Creatively, Create with Joy, Holley Gerth, Mississippi Mom, Soaring with Him, Breakthrough Homeschooling, Purposeful Faith, Darling Downs Diaries, Sarah Frazer, Sincerely Paula, April Harris, LouLou Girls, Teaching What is Good, Home Stories A to Z, Bringing up Georgia, Gingersnap Crafts, Our Three Peas, Ducks in a Row, Organized 31, Crystal Storms, Debbie Kitterman, Mommynificent, Be Thee Inspired, Life Beyond the Kitchen, Brenda Bradford Dottinger, Bountiful Love, Sugar Spice and Family Life, Miz Helen’s Country Cottage, Simply Sweet Home, Home Crafts by Ali, Feathering My Empty Nest, Overwhelmed to Fulfilled, Easy Peasy Pleasy, Anna Nuttall, The Answer is CHocolate, Cup of Tea, RCH Reviews, Momfessionals, Katherine’s Corner, Blended Blog, The Charm of Home, Susan Mead, Lyli Dunbar, Counting My Blessings, Arabah Joy, Create with Joy, Coffee with Us3, Life with Lorelai, Being a Wordsmith, Our Mini Family,

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6 Steps Toward Financial Security

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Productive Homeschooling - Printables and Tools for every homeschool

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Between the staggering statistics on average household debt and the difficult economic climate, there is a lot of discussion about family finances. If you struggle with budgeting, thinking about managing your money better can seem overwhelming. However, even small steps can make a big difference, especially in the long term.

Here some simple ways to start taking control of your financial independence.

1. Analyze Your Debt

If you are spending money every month paying off debt, you know how big of an impact it can have on your overall finances. You may have a goal of paying off all your loans, but that process can take several years. Before you start making bigger payments toward your debt, you may want to figure out the most efficient way to pay it off. You could start with the credit card with the highest interest. Maybe you want to refinance to consolidate your debt. Try to find the plan that works best with your income and goals.

2. Make Savings Automatic

You may find it much easier to allocate money to your savings account if you don’t have to think about it. There are several ways to make saving automatic. You can request to have part of your paycheck deposited in a savings account or set up an automatic transfer at your bank. You can also use a savings app to move money into savings automatically.

3. Recycle and Reuse

If a lot of your budget goes toward disposable items, you may want to think about changing to reusable alternatives. Switching to cloth napkins and ditching the paper plates can save you money and reduce your environmental impact as well.

4. Lower Energy Consumption

Utility bills can be expensive, but you can make a few simple changes to lower your usage and your monthly costs. Consider switching to energy-efficient light bulbs and low-flow showerheads. You can also use a programmable thermostat to reduce the load on your home’s HVAC system when you are out of the house.

5. Use the Library

For most families, entertainment takes a large percentage of the discretionary spending. Whether your family loves books, movies, or music, you can drastically reduce your spending by taking advantage of your local library. Most libraries have large selections of CDs and DVDs along with magazines and books. You can also check to see if your library offers eBooks through an online service.

6. Take It Slow

When you decide to take control of your family finances, it can be discouraging if you don’t see big changes in your bank account right away. However, changing your financial habits can take time. Be patient with yourself and your family, and find encouragement in small changes.

Financial management can take a long time to master, especially if you are overseeing all the income and expenditures for your entire household. If you are trying to save more money or pay off debt, there are several small things you can do to start moving in the right direction without dramatically changing your entire lifestyle. Reducing your home’s energy consumption, making savings automatic, and using the library are just a few ways to reduce your expenses and grow your savings.

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Decorating on a Budget

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This is a sponsored post written by me on behalf of CORT for IZEA. All opinions are 100% mine.

There are quite a few decorating challenges for military families.

Since we move every few years, we have the fun chance to redecorate often, but we need to do that on a budget.

I don’t like nor can we afford to buy an entire house full of new goods every few years when we move.

Home Décor Hacks for Military Families:

Blank Empty Spaces

Moving to a rental means a lot of white or blank walls. It’s an empty canvas!

What can we do with all that plain wall space?

Bright furniture, fun drapery, and eye-catching wall art help combat those boring spaces. We love our travel photos!

Rugs are great for tile, hardwood, linoleum – really any floor surface. It really pulls a room together. We have several mixy-matchy rugs that tie in our favorite colors and add warmth and cushion to tired feet.

Storage

Tables with cabinets, shelves, drawers, and baskets do double duty as storage containers so I don’t have to feel cluttered.

I like to display all my books in big bookcases for easy reference.

We showcase our keepsakes on the mantle and sofa table.

Lighting

Lighting sets the mood.

We love natural lighting, but it gets dark early in some seasons! We prefer simple table and floor lamps (preferably on dimmer switches!) instead of harsh ceiling lights in the afternoons and evenings.

We love to gather in the living room and play board games or snuggle up to read together by the warm glow of our table lamps and candlelight.

Furniture rental

Furniture rental is a great option for active duty military personnel since with each new PCS comes a new living situation. Temporary unaccompanied duties are also a great time to use this option.

That sectional sofa we have today, may not fit in our future home.

By working with CORT, we can find the right pieces to fit our existing spaces. Then when we are ready to move to the next base in a new city (or country!), we just give CORT a call and they’ll come pick it all up!

CORT works with military personnel to provide what we need when we need it. The best part of the furnishing process – CORT picks it up when we are ready to move on to the next assignment!

Learn more about CORT on their blog.

Visit Sponsors Site

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Tortilla Pizzas

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Tortilla pizzas are a super easy meal that kids can make themselves!

We love using leftover wheat homemade tortillas, but storebought ones are fine.

These are great to make when we travel or during PCS season when our household goods are all packed up and shipped. They’re easy and don’t require much prep or equipment.

It’s super easy with all-natural breakfast sausage and a shredded Italian cheese blend. We always have those on hand.

You can add more toppings, but these simple tortilla pizzas are just super easy and crowd pleasers.

My 10-year-old daughter, Katie, loves to make these for herself and her siblings for lunches or snacks.

We had three storebought tortillas, just enough for a light lunch. The homemade ones don’t last long around here!

Kraft cheese isn’t ever my first choice, but it’s what’s available to us from the commissary and melts better than other choices from either the commissary or German stores.

Katie lovingly spreads the sauce on the tortillas. She’s so much more careful than I’d be!

She evenly distributes the sausage.

She puts on just enough cheese.

I love the height of my oven, that makes it easy to get pans in and out!

She sets our retro timer for 10 minutes.

And then: delicious, melty tortilla pizzas!

I like mine with onions and peppers.

I imagine trying lots of fun new flavors. These could great appetizers for a party too!

The crispy tortilla crust is amazing.

It’s hardly a recipe with only 4 or so ingredients…

 

Print

Tortilla Pizzas

A super easy and frugal meal that kids can make themselves! You can add whatever toppings you like!
Cuisine Italian
Prep Time 5 minutes
Cook Time 10 minutes
Total Time 15 minutes
Servings 4

Ingredients

  • 4 tortillas
  • 4 T pizza sauce
  • 3 oz sausage
  • 4 oz Italian cheese

Instructions

  1. Preheat oven to 400*
  2. Brown sausage in a pan.
  3. Spread pizza sauce on tortillas. Sprinkle sausage on. Spread cheese on top.
  4. Bake in oven for about 10 minutes.


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Purging Clothes

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When we moved into this house almost three years, I turned around all my clothes hangers.

The goal was to purge all the clothes on the unturned hangers after a year. And I mostly did. Last week, I purged even more.

I’m not really fearless enough to trim down my clothes to like 15 items as a capsule wardrobe. Or even 30 items. I just can’t. I’m not ready for that and I may never be.

For me, that’s not very practical. We move around so much and travel frequently, so I need seasonal clothes and specialty items. And I’m not able to give up some unique pieces I’ve collected and love. I just love coats, jackets, cardigans, and scarves. They can really pull a rather boring outfit together!

I also purged my pajamas, lounge wear, and workout clothes for items I no longer need or wear. I got rid of almost all my high-heeled shoes. I just can’t wear them anymore and they’re not good for my feet anyway. I gave away more than half my purses to my teen daughter and the thrift shop.

I kinda like the idea of a monochrome color scheme. Years ago, it might have been easier when I wore mostly earth tones and black. But, I’ve expanded my color palette over the years and have many textures and fabrics. Most of my clothes are in the greens and blues and neutrals, with some orange and coral.

My teen daughters shopped through my castoffs and scored with some great things that look better on them than they ever did on me. Then I donated all the rest.

Also, we move frequently. There’s no need to pack and move stuff we don’t need.

Since we sometimes move to a location that has four seasons, we clear out all the clothes that don’t fit my youngest children, or will not fit next season. Since it’s still cool in one place and the weather is quite unpredictable, we have to pack rain jackets, jeans, and some long-sleeved shirts…in addition to summer wear we’ll need when we arrive in our new home.

I purged all the clothes that…

  • Don’t fit – and probably never will fit again. I had some shirts that have shrunk or just never fit right. I had some pants that were too tight and low cut that were never comfortable.
  • Are in poor shape, like a tear or bleach spot or unrelenting stain or stretched out. I had some white tops that had yellowed and bleach didn’t fix.
  • Are ridiculously out of style and I will never wear again, even for a theme party.
  • Shirts that I had in every color. I really don’t need that many T-shirts or tank tops.

How to maintain my closet:

  • Shopping isn’t entertainment.
  • Buy only items I love that fit perfectly on my body.
  • I don’t have to fill up the space. American closets are huge! I don’t have to cover every shelf, rack, pole, or loop with stuff.
  • Turning around my hangers again after we move this summer. I can purge again next year – anything I haven’t worn.

It’s really quite exhilarating to let go of stuff. We accumulate so much and need so little.

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Minimizing

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Do you have issues in your house with too much stuff?
Do you struggle with keeping the house tidy and neat?
Do you want more, more, more?

Try minimizing for a simpler, more peaceful life.

If you want your children to turn out well, spend twice as much time with them as half as much money. ~Abigail Van Buren

I’m not advocating for getting rid of all your stuff.

I’ve been to some homes and the people seem to have next to nothing by choice and that’s also stressful when there’s nowhere to sit and the rooms are stark and empty and echoey.

Your home doesn’t have to have a Scandinavian or Asian look to be peaceful and clutter-free. It shouldn’t be sterile.

I always have piles of books – from the library, that I’m reading, that I’m going to read.

Finding a healthy balance of a home with peace and beauty while having storage for the things we love is a challenge.

I grew up with parents and my grandma buying me almost anything I wanted. But it was because that was the only way they knew how to show love. My grandma made up for the poor relationship she had with my father by showering me with gifts all throughout my childhood and I only saw her maybe 2-3 times a year. She passed when I was a teenager. My parents totally bought into the Big 80’s idea that more stuff equaled status and power and influence. They bought new cars every 3 years. My mother had shoes in every color and clothes in her closet with tags still on them. She would hide her clothing purchases from my father.

I blew all the money I made at my first jobs in retail and restaurants.

I never learned the value of anything.

I spent most of my early adulthood blowing money on unimportant things, fighting debt, and learning to budget.

I want my children to learn the value of things better than I was taught.

We go through massive purges every few years as we move. We’re a military family and we’re constantly re-evaluating our stuff. Our kids are growing up. They need fewer things for homeschool and playing. We’re all maturing. We need less and less stuff to be happy. With fewer things, we’re all more stress-free. It’s easier to clean up when there’s not so much to be messy. There are fewer arguments and fewer hassles about toys and things.

How we minimize:

  1. Less is more.

    We really don’t need as much as we have and we certainly don’t need more stuff. Having fewer simpler toys encourages creativity and resourcefulness. Just because an item exists or all her friends have it doesn’t mean it’s needed. Having less is also easier to keep clean and tidy. Having a smaller home means cheaper upkeep and utilities. We purged most of our worthless knick knacks and streamlined surfaces.

  2. What’s the motivation?

    Buying stuff doesn’t equal love. Yeah, I know that’s supposed to be one of the love languages, but really? If it’s not useful or needed, don’t buy it. “Retail therapy” is stupid. We gave up giving greeting cards because it gets really expensive and they’re just thrown away.

  3. Quality over quantity.

    Get the best you can afford. Don’t get some cheap knockoff that you’ll have to keep replacing. Do your research and save up for it.

  4. Set boundaries.

    Determine some boundaries for stuff and don’t let it spill over. Have a place for everything, and don’t buy more storage to have more stuff. Do you keep certain items only for sentimental value or for some other reason? I had to get over a lot of that.

  5. One in, one out.

    Purge often. If you get something new, get rid of something else. This helps reduce clutter and keeps priorities straight.

  6. Get organized.

    Everything in its place and a place for everything. A neat and tidy house is more peaceful than a cluttered home. Get a system for those cluttery places where you find family members dropping their stuff. Work with it and not against it. Find a system that works for your family. We like pretty natural baskets for toys and simple bookcases with cabinets.

  7. Limit ad exposure.

    Ads are everywhere, breeding discontent. Limit exposure to TV, social media, and print advertisements to limit wants. Unsubscribe from store and deal emails. Shopping isn’t entertainment.

  8. Teach value.

    Limit the gimmes by having a 3-day wait rule for big purchases. If you still desire the item after 3 days, come up with a plan to afford it. We don’t have huge gift-giving events for birthdays or holidays. We give just a few desired items for birthdays and about 4 items for Christmas and nothing tangible on minor holidays. We have discussions before we go to stores about goals and priorities and there has never been any begging. Our kids have never had a meltdown in the checkout line because I’m proactive.

  9. Have a plan.

    Have a budget or spending plan and stick to it. It helps to be realistic and set aside a little each month instead of splurging and feeling guilty. Ask: Do you need it and/or why do you have it? This limits anxiety.

  10. Practice what you preach.

    If you limit your kids’ toys and clothing, also limit your own purchases. Don’t go get the newest tech gadget or new car if your others function just fine. Learn to make do.

If something cost $1,000, and it is on sale for $750, and then you decide to buy it, you did not save $250. You spent $750.

Do you struggle with too much stuff?

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