Jennifer Lambert

A Sacred Balance

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What We Eat Every Week

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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.

Resources:

  • The Case Against Sugar by Gary Taubes
  • The Big Fat Surprise: Why Butter, Meat and Cheese Belong in a Healthy Diet by Nina Teicholz
  • The Great Cholesterol Myth, Revised and Expanded: Why Lowering Your Cholesterol Won’t Prevent Heart Disease–and the Statin-Free Plan that Will by Jonny Bowden and Stephen T. Sinatra
  • Animal, Vegetable, Miracle: A Year of Food Life by Barbara Kingsolver
  • Food Matters: A Guide to Conscious Eating with More Than 75 Recipes by Mark Bittman
  • VB6: Eat Vegan Before 6:00 to Lose Weight and Restore Your Health . . . for Good by Mark Bittman
  • In Defense of Food: An Eater’s Manifesto by Michael Pollan
  • The Whole30: The 30-Day Guide to Total Health and Food Freedom by Melissa Hartwig Urban and Dallas Hartwig
  • 100 Days of Real Food: Fast & Fabulous: The Easy and Delicious Way to Cut Out Processed Food by Lisa Leake
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6 Steps Toward Financial Security

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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 perhaps with easy to wash throw pillow covers are easily changed with the seasons.

Fun drapery and curtains brighten up windows in every room.

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 love how our entertainment cabinet holds our TV and has drawers and cabinets to keep our gaming systems safe and tidy.

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

We showcase our keepsakes on the mantle and sofa table.

Games and toys are easily accessible in bookcases or cabinets either inside baskets or bins or stacked neatly.

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.

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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 I 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.

I love the Buy Nothing Groups so things can go to someone who needs and wants them.

How do you maintain your closets?

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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 decor to be peaceful and clutter-free.

A home shouldn’t be sterile.

I always have piles of books – from the library, that I’m reading, that I’m going to read. I do continuously purge books as we outgrow them.

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 two or three 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 three years. My mother has shoes in every single color and clothes in her closet with tags still on them. She would hide her clothing purchases from my father. She has at least four closets full of clothing she will most likely never wear.

I blew all the money I made at my first jobs in retail and restaurants. I didn’t think about saving any of it. I never learned about good financial choices in school or at home.

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 still struggle. I’m still paying off debt. It seems every time we get close, there’s an emergency to set us back.

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

We go through massive purges of our stuff 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.

I’m not into organization porn.

The gospel of minimalism, as preached by bloggers, chat rooms, and Facebook groups, is growing more nebulous as the movement of capitalist austerity—austerity as choice and aesthetic—picks up steam…Spareness is the lot of have-nots; minimalism is only aesthetic when it’s a choice. Minimalism critiques extravagance without condemning the wealth itself, making it a doctrine of the rich, for the rich. It’s the “classiest” version of inconspicuous consumption, one that at its core houses sanctimonious self-abnegation.

Aditi Natasha Kini

While I like the clothes folding method from Marie Kondo, I get anxiety thinking about getting rid of anything that doesn’t “spark joy” this very moment. I have regrets of some items we’ve purged over the years. I did the closet trick a few years ago and it helped to downsize clothing. I’ve also lost some weight the last couple years. It’s actually upsetting not to be able to fit into favorite clothes anymore.

I’ve watched The Minimalists. I see the rise of the tiny house movement and I wonder how long that will last. Most of us don’t come from generational wealth nor do our families own land or property where we can just park our trailer and live rent free.

Minimalism is becoming a culture clash. Westerners see the hustle and want to detach from it, somehow connect to a more Eastern mindset without doing any inner work or systemic change.

I am just not spiritual enough not to care about any material goods. I don’t really think this is a character flaw. Everyone has favorite possessions. We cry if there is a disaster and lose things. We are human.

Have nothing in your house that you do not know to be useful, or believe to be beautiful.

William Morris

How I minimize with practicality:

  1. Less is more.

    We really don’t need as much as we have and we certainly don’t need more stuff. Having fewer and 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. We don’t exchange gifts with extended family anymore either.

  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. We are slowly replacing the cheaper or worn out items we bought in the earlier years of our marriage.

  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 just 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, and yes it’s hard.

  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. No one really needs multiple items in all the colors.

  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 method 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 or needed 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 and communicate.

  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. Model good financial choices to your kids.

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.

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Do you struggle with too much stuff?

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Easy No-Bake Granola Bars

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We used to love a particular store-bought peanut butter chocolate chip granola bar. We always had them in our pantry.

When we became more conscious about what we were putting into our bodies, we realized they were full of additives and undesirable things.

I’ve been experimenting to make our own, as close to that flavor we remember.

Our no-bake granola bars, customizable with ingredients like rice cereal, dried fruit, nuts, and nut butter!

Here are all our favorite ingredients:

Granola Bar Ingredients
Katie melts the honey, sugar, and peanut butter:
Making SyrupPeanut Butter Syrup
Tori mixes the dry ingredients:
Mixing Dry Ingredients

Seeds and Nuts and Cereal
We fold in the peanut butter syrup to the dry ingredients:
Getting Ready to Mix
Gooey Granola
I line a pan with parchment paper:
No Bake Granola Bars
I press the granola into the pan:
Press into Pan
Chocolate chips are pressed last so they don’t melt too much.
Add Chocolate
I fold over the parchment and press with my hands, then cover over it all with foil, and refrigerate. For at least an hour, usually overnight.
Cover and Refrigerate
The cold granola cuts pretty. We store it in zip bags in the fridge since it’s a little more gooey than store-bought bars.
Cut into Bars
These granola bars are super easy to make.
You can add different nuts, nut butter (or not), chocolate, dried fruit, seeds, different cereals – make them how you want! You can add more or less sweetener to your taste.
Easy No-Bake Granola Bars

Print

Granola Bars

Prep Time 10 minutes
Total Time 1 hour 10 minutes
Servings 16

Ingredients

Dry ingredients

  • 2 cups oats
  • 1 cup rice cereal
  • 1 cup sliced almonds any chopped nuts
  • 1/4 cup flaxseed
  • 1/4 cup wheat germ
  • 1/8 cup chia
  • 1/4 cup dried fruit optional
  • 1/4 cup chocolate chips optional

Wet ingredients

  • 1/3 cup honey
  • 1/3 cup brown sugar
  • 1/2 cup peanut butter any nut butter, optional
  • 1 t vanilla
  • 1/2 t salt

Instructions

  1. Melt sugars and peanut butter over medium heat and then add salt and vanilla.
  2. Stir together dry ingredients (except chocolate) in a large bowl.
  3. Fold in the peanut butter syrup and mix until incorporated.
  4. Cover a 13×9 baking dish with foil or parchment paper and press into pan.
  5. Press chocolate chips into granola.
  6. Cover and refrigerate at least an hour.
  7. Cut into bars and enjoy!
  8. We keep these in the fridge in baggies since they’re stickier than store-bought granola bars.

Check out other Back to School snacks!

Watermelon Pizza | The Gifted Gabber

Ants on a Log Fun Food Preparation for Preschoolers | Living Montessori Now

Oat and Honey Peach Muffins | Kitchen Counter Chronicles

No bake chewy choc chip muesli bars | Kidgredients

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How to Budget

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Being examples and teaching our children how to budget is super important.

Making your money work for you is important.

We’ve spent most of our marriage struggling to climb out of debt while keeping up with too much stuff, wanting this and that – and more, more, more.

As a large military family living on one income, it’s often difficult to keep our heads above water.

We strive to teach our children the value of things and experiences. I want them prepared for real life with all its financial ups and downs.

We teach our children that a trip to Florence is more important than that new Lego set. We want them to realize that rent and food and utilities and insurance have to be paid, but sometimes we have to buy the hamburger instead of the steak to offset the expense of fixing the van. Internet and smart phones and TV are luxuries, even though we’ve come to see them as necessities, like utilities.

We have to be prepared for surprise financial setbacks with a savings account and budget in place.

Growing up as an only child, I was privy to how my parents ran our household and planned for the future. I am fortunate that I accompanied them on home and car purchases to learn how that works. They’re very organized with their investment portfolio. Since they are both retired government employees, they lived on fixed incomes, but with careful planning for many years, they live very comfortably.

Financial education is important.

Isn’t that the goal? We want to prepare for the future. We want to help jumpstart our kids into a financially successful adulthood. We want to live comfortably in retirement. We want to leave our children a legacy. We want to be able to bless others.

How do you set a budget?

Creating a budget or spending plan for the first time can be overwhelming.

A budget dictates to you what you can spend, where, and when; a spending plan allows you the control of your money every single month. It realizes that your purchases change and expenses vary from month to month and that a one-size-fits-all monthly budget doesn’t truly fit anything.

~Becoming Minimalist

What’s Your Income?

Know your income.

This should be a no-brainer, right?

Also, I know some couples who really don’t share this info with each other. That’s a warning sign and y’all should work that out.

So, know how frequently you get paid and how much.

Take into account any other income you receive and what you will use it for. Alimony, child support, investment dividends, tax returns, affiliate income, inheritance, etc. Don’t just blow that money. Have a plan for it.

I know not everyone has a set amount every pay period, with commissions or bonuses or hourly rates or whatnot…so you need to average that out to know what to expect. Then consider the lowest possibility and set your budget for that.

What are Your Bills?

Know what bills you have.

You should be organized with this, right?

We took the “no-paper option” so we get email notifications and most of our bills are automatically deducted from our accounts.

Bills are typically the ones that don’t change (or change very little) from month to month – like rent, insurance, car payments. Our utilities are in this category because they’re a set amount each month and we reconcile annually.

I also put any debt in this category. While ideally, credit cards shouldn’t be used at all or paid off monthly…we’re getting there. And I have set that payment high in order to pay it off sooner rather than later.

What are Your Expenses?

These are the extra and perhaps flexible bills each month.

Utilities often fall into this category.

Luxury items are in this category. Cable or satellite TV, Netflix, Internet, cell phones are things most people have and they sometimes fluctuate based on services used. Remember, these are not necessities. They should be the first to go during financial emergency.

Groceries and gas for vehicles. This is the most flexible area for us. I can cut costs on groceries with careful meal planning.

Our car and renter’s insurance fluctuates just a tiny bit each month, but I usually keep those items in my bills category.

We pay for music lessons for our kids.

My husband and son get their hair cut every 8 weeks or so. I cut my own hair so that’s not an expense for us.

Be honest with yourself about expenses.

Do you get your nails done weekly? Do you regularly go to the hair salon? Do you go shopping for clothes frequently? Do you need a latte fix every day?

Evaluate those expenses and put them in your budget. Consider what you might need to limit or cut out of your life to make it work.

What are Your Priorities?

Everyone has different priorities.

Some people are perfectly content to live on rice and beans and buy the latest and greatest newest technology every time a new model is released.

Others don’t have Internet or cell phones at all but have an extensive garden of fresh fruits and vegetables.

Collectors and hobbyists spend time and money on their interests.

Many want to be able to give generously.

Our priorities:

We like to travel and eat well. We’re investing for our children’s educations and our retirement. And books. Always, more books.

Because of our financial priorities, we live a little differently than a lot of people we know.

We don’t have a car payment right now. Our furniture is thrift store-yard sale chic.

We don’t go shopping for entertainment and we seldom eat out.

We opt out of ads online to limit temptation! Since we don’t have a TV, we don’t see many commercials or advertisements except on Internet sidebars and some online games or apps.

How we save money:

I try to use the library first – before purchasing books for personal use or our homeschool. Often the Kindle versions of books are cheaper than the paper copies.

The kids wear hand-me-downs from cousins, each other, thrift stores, and yard sales. I seldom buy anything new that isn’t on sale.

We don’t have huge birthdays, Christmas, Easter, or other celebrations. We prefer experiences.

Do the Math.

This is easy to create on paper or on the computer.

I list all our bills and income in a column on the left and amounts in the right column. I have a column for X when they’ve cleared our bank. I use an Excel spreadsheet that does the calculations for me. I have a sheet labeled for each month and a sheet for our debt so I can see our progress.

Below is an example of my current Excel budget book. It’s more like a spending plan.

I’ve rounded the numbers and used generic names for our accounts.

I realize not everyone is in a position to invest.

I want to show you the reality.

I am not trying to brag about our income.

It’s public information anyone can look up about military service members. It’s a fixed income.

Yes, we receive some amazing benefits for being a military family: housing and utilities allowances, commissary and AAFES shopping privileges, dental and medical services at the base clinic, tax-reduced (but rationed) gasoline purchases on base. My husband’s state of residence is Illinois, so we don’t pay state taxes as a military family.

The offset is being far from home and family, missing those important holidays and events. Also, deployments, TDYs, training events, and late night or weekend exercises can be difficult on families. PCS (moving) often eats up our savings and is always stressful in many ways.

We currently have about $2500 in our savings account.

I’m fortunate to be able to stay home to educate our four children. We’re grateful for the opportunities military life offers us.

You can see we’re aggressively paying down our debt while not starving or eliminating our priority to travel. We’re still working this out with baby steps. We also have a pin and chip travel credit card that we over-used. It’s not shown in my Excel spreadsheet. We plan to attack that after these debts are paid within the year. We’re using every bit of extra income on paying that travel card (tax return, monetary gifts, and an IRA dividend we receive every autumn). We don’t plan to continue using that credit card since our new bank cards have the pin and chip now!

My Excel budget spreadsheet is color-coded.

The blue is income.

The green are investments, with amounts that seldom change.

The red is debt.

The fields left white are the flexible expenses. These amounts fluctuate from month to month.

My Color Coded Excel Budget

I’m sure you noticed some gaping holes in my budget plan?

We have a separate bank account for our local expenses. Our rent, cell phones, and Internet are auto-deducted from our local account. We have a certain amount auto-deposited each pay period into the local account to cover those expenses. We use anything left over in that account each month to pay that travel credit card. We are at the mercy of the exchange rate from USD to Euro. (I love the idea of a separate account for housing expenses and I will carry that idea over when we move back to the States!)

We also have an auto deduction going directly to our church.

I have a separate account for my blogging “business.” Honestly, I don’t even sorta break even. I pour way more into this enterprise than I make every month. Some days, that’s very frustrating.

What’s Your WHY?

This goes a bit beyond just priorities.

When you get discouraged, when the van breaks down and you use your travel fund to fix it, when your child asks if you can have a “real Christmas” and you feel guilty, what will you do?

Leave room for emergencies and pray about big purchases. Obviously, a working vehicle is necessary for getting to and from work to make the money. While we cringed to fork over that $300+ for the new alternator and valves, we did so knowing that it had to be done and our trip could either be postponed or we could be more frugal somewhere else.

We remind ourselves what the big picture is: planning for our futures, teaching our children values, and leaving a legacy for our kids.

Sure, we splurge sometimes on gelato, a cute new shirt or shoes in sale when needed, flowers for the garden or dining table for a special occasion, or that Kylo Ren lightsaber.

We try to make sure there’s room in the budget for fun or it becomes drudgery.

UPDATE 8/25/16: We have PAID OFF TWO accounts! Only 3 to go. We plan to have those paid by May!


Update August 2017: Only 1 account left to go!

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How We Save Money

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I’m always looking for simple ways to save money.

I weigh the convenience factor with our health, values, and lifestyle.

It takes discipline to save money and to set rules about how we will not waste.

We have to have goals and a plan.

We pray about big purchases. When I see something I want, I try to wait to see if I can do without or if I have something similar I can use to that purpose. If I can’t stop thinking about it after a few days or a week, I try to work it into the budget.

I remember a time when I had way too much month at the end of the money.

I was a school teacher for almost 10 years, but my last year working outside the home was haphazard…and I found myself working two part-time jobs with no benefits. I was struggling to survive financially.

I’ve bounced checks or auto debits because I didn’t realize the check card had been used. I’ve had to juggle which bills I paid so I made rent and had food and gas money. I’ve lived in fear of collection agencies, avoiding the phone calls and dreading certified mail.

Thankfully, we’re a better place financially these days.

We still have some credit card debt we’re paying off, but we’re investing for retirement and our children’s education. We have no car payments and we’re under our BAH allotment for our housing.

Healthy finances are important to me in this ever-changing world.

I want to teach my children how to live frugally but well.

I want them to understand budgeting, investing, taxes, saving, checking accounts, home-buying, and more. It’s important to be financially literate.

I’m tired of explaining that “I don’t have the money” doesn’t always mean that I literally have every penny accounted for, but rather that “This or that isn’t a priority” or “I’m spending as much as I desire at this time.”

These are several simple ways I’ve found to save us money.

Cloth Napkins

I’ve found several mix and match Americana cloth napkin styles that we keep in a drawer by the dining table. We also have some pretty gold ones for special occasions.

We reuse these for a few meals, until they get too greasy or dirty, and then we wash them for next time.

Cloth Napkins

We haven’t gotten on board with family cloth in the bathrooms (ew) or cloth towels in the kitchen, but we do have a large stash of dishcloths for cleaning and wiping up small spills. Paper towels and facial tissues last a really long time for us.

When my son was a baby, we used cloth diapers and made our own wipes from flannel.

Laundry and Cleaning

We make our own laundry soap.

We use wool drying balls.

I try to do laundry every other day, so there are full loads.

I often hang dry the clothes to save on energy.

We don’t buy household cleaners. I use Thieves soap, vinegar, warm water, olive oil. I love my Libman Freedom mop and cleaning cloths.

Seldom Eating Out

We rarely eat out in restaurants and almost never get fast food.

It saves money and keeps us healthier.

We eat at home 95% of the time. We make our own seasonings. I make a hot breakfast every day. I make dinner for the family every evening. We usually have leftovers or sandwiches for lunch.

It has helped that we have stated to ourselves and the kids that eating out is not an option when we leave the house. We try to plan around meal times and do errands mid mornings or late afternoons.

We just have to plan better.

We eat before we leave the house or take a cooler with lunch and snacks. We don’t run errands (or go grocery shopping!) when we’re hungry. We take our lunches for field trips. We make sure dinner is prepped and we make sure to arrive back home in time to cook and eat it.

We do sometimes dine out while traveling and we plan for that if there’s special cuisine or a specific restaurant we want to try, but we often rent an apartment so we can prepare our own meals.

We never buy bottled water. We have a filter on our refrigerator and we refill these glass bottles.

Living Simply

We have simple family birthdays with homemade cake and a special dinner served on a Celebration Plate. We have simple homemade decorations and watch a favorite movie together. We don’t go overboard with lots of presents, but just a few very carefully picked out and lovingly wrapped items.

We often travel for holidays and rarely give big gifts for Christmas or Easter. I eschew giving a bunch of Dollar Store junk in stocking and baskets, so we prefer useful items like pretty school supplies, healthy snacks, and maybe a desired item. We strive for a debt-free Christmas. I like to follow the something they Want, Need, Wear, Read plan of gift-buying and giving.

Shopping is not entertainment.

I buy groceries and other items when we need them. I’m not a hoarder. I don’t do coupons. I just discovered Ibotta and it’s ok, slowly racking up a few dollars every month on a few items I buy anyway.

I don’t subscribe to store emails or social media. We don’t buy newspapers or magazines. We don’t care what’s trending nor do we need the latest and newest tech gadgets or clothes or toys.

My house is not full of fancy décor or lots of knick knacks because they aren’t useful and are just something else to dust. Our furniture is mostly handmedowns and yard sale and thrift shop finds.  I don’t redecorate with the seasons or when we PCS and I don’t read decorating magazines or blogs because they make me discontent. We haven’t purchased new furniture in 10 years, except to upgrade the kids from baby cribs to beds.

I cut my own hair. I’m pretty low maintenance. I don’t have a lot of makeup or accessories. I don’t use product in my hair. I don’t get my nails done.

We put our TV in storage. So, there’s no cable or SAT to watch or pay for. We watch Netflix and Amazon streaming.

We keep our utilities low by setting the AC high and the heating low. We turn off lights and use water sparingly.

Eating Leftovers

I don’t like waste. We don’t often have leftovers with four growing children, but I encourage frugality in this area.

I often double or even triple recipes so we can have lunches the next day.

I store leftovers in glass containers to maintain freshness and use them up within a couple days. We get creative with soups and casseroles.

Also, if an apple or carrot only gets half-eaten, it’s saved for later. It can be used in salads or smoothies.

Limiting Trips into Town

Currently, Wednesday is our going out day.

The girls have music lessons, we run errands and do the grocery shopping, and Tori has gymnastics. (I have to plan and prep dinner and my teen daughter or husband finishes it up since we get home after 6 PM – see above!)

This means I have to plan our meals and make a list when shopping.

Sundays, we all go to church. After lunch, my teen daughter and I go to the gym for about an hour and then go grocery shopping on base (most local stores are closed).

Keeping to this plan allows me to say no to any extra running around. Many homeschoolers and stay at home moms in our area are always going out for field trips, playdates, or shopping entertainment. We prefer to stay home and complete our homeschool work. This helps me only to fill up my minivan’s gas tank about 2-3 times per month.

We also don’t feel pressured to change our schedule very often. We have this as a priority, so we don’t feel the need to deviate unless it’s very important or an amazing opportunity.

The kids know we generally stay home, so they learn they have plenty of free time to play, create, and explore after homeschool work and chores are completed. Work before play.

Paying Cash

We try to live within our means. That means not using credit to pay for anything. The deals on credit cards aren’t attractive enough for me to use them. I don’t have the discipline to pay them off each month. Paying cash makes us think twice before making a purchase. I keep our spending plan on spreadsheets on the computer.

We’ve never really done the envelope system. I just don’t like to go to the ATM every week or whenever.

Most of the stores in Europe are Euro cash-only. I seldom shop at those stores. I like the bigger stores that remind me of a Super Wal-Mart and they cater to the international community here and accept my American account-linked check card.

I don’t shop with calculator in hand. What if I get to the register and my total is more than I have? Embarrassing.

When we travel, we have to use a pin and chip credit card for flights and accommodations, but we try to pay cash for all other expenses.

When the kids need clothing or supplies, we pay cash.

When our minivan needed a new alternator and pulley system, we were so thankful to be able to pay cash for it all. I remember a time when an emergency like that would have really messed us up financially for months.

We’re still learning and some days, weeks, and months it’s hard, but we’re determined to live abundantly on a fixed single income.

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Homemade Taco Seasoning

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On Wednesdays, my teenager, Elizabeth, make dinner.

It’s the day I run errands and take the younger kids to music lessons.

This is a great opportunity for kids to be responsible and learn valuable home economics skills.

This week, Katie helped and Liz took pictures of the process.

One of our favorite family meals is homemade tacos.

Whenever we ask the kids what they want for dinner, their go-to is TACOS.

We make our own taco spice mix.

I made the spice mix so pretty, layered in a jar. It looks like sand art!
Homemade Taco Seasoning - Frugal and Healthier

It’s much cheaper and healthier to make our own homemade taco seasoning.

Tacos are easy and quick to make and it’s a great frugal meal for a large family.

The girls browned two pounds of ground sirloin in a large pot.

Sirloin doesn’t have as much fat, so there’s nothing to drain.

You could also use a mix of ground beef and pork, or ground chicken or turkey – whatever you prefer.
Taco MeatMaking Tacos

About three tablespoons of taco spice mix for 2 lbs of meat.

Spices

Two cups of water and stir well. Eventually the water evaporates and leaves it just a bit saucy. After it’s mixed together, put a lid on top and let it simmer on low heat.

Adding Water

Katie enjoyed stirring in the spices.

Adding Spices

Tacos are best with refried beans, cheese, and salsa – to make them even more delicious.

Alex and Tori like soft tacos.
Soft Taco
Katie and I like taco salads. Liz likes crunchy tacos.
Taco Salad

Why do we make our own taco seasoning?

It’s healthier and more frugal.

Spice mix envelope from the store:

Cuminum cyminum, Capsicum annuum,Origanum vulgare, Allium cepa, amalgam of globular proteins, glucose monomer of solanum tuberosum, citric acid, and sucrose.
In non-scientific jargon, it has chili pepper, cumin, paprika, oregano, onion, whey, salt, sugar, garlic, potato starch, and citric acid.
Cost per ounce = 58 cents.
I don’t need milk, sugar, potato, or preservatives in taco seasoning. And I like to know exactly what we’re ingesting. I like control.

 

My ingredients:

Chili powder, garlic powder, onion powder or flakes, crushed red pepper flakes, dried oregano, paprika, cumin, salt, and pepper.
Cost per ounce = 27.5 cents!
The homemade taco seasoning costs half what the pre-made envelope costs.

And the best thing about this is you can adapt it to your family’s tastes. Substitute smoked paprika or Mexican oregano for a different twist.  If you like it milder, omit the red pepper flakes…if you like it with a capsaicin rush, double the pepper flakes.

It’s a versatile spice mix recipe. Customize it to your family’s tastes!

Print

Taco Seasoning

Mix together ingredients in a jar or airtight container. Use 2-3 tablespoons for ground beef tacos or in all your favorite Mexican recipes!We like to keep a jar of this in our cabinet at all times.I really love lots of chili, garlic, and cumin. Feel free to add as much or as little as you like to create your family’s special blend.It’s a great spice blend for tacos, soups, slow cooker meals…lots of family favorites!
Course Main Dish
Cuisine Mexican
Prep Time 5 minutes
Total Time 5 minutes
Servings 4 servings

Ingredients

  • 2-3 T chili powder
  • 2-3 T garlic powder
  • 2 T onion powder
  • 1-2 t pepper flakes (optional)
  • 2 T dried oregano
  • 2 T paprika
  • 2-3 T cumin
  • 1 T kosher salt
  • 1 T black pepper

Check out the other participants in the Kids in the Kitchen monthly blog hop!

Quick and Delicious Flourless Peanut Butter Chocolate Chip Muffins | Living Montessori Now
Mud Pudding  | Raising Little Superheroes
Mouse-tacular Chocolate Cookies | A Little Slice Of Us
Roll-Out Butter Cookies | The Gifted Gabber
Marble Pound Cake | Kitchen Counter Chronicles
Simple Cupcakes for kids to decorate | Rainy Day Mum
Easy Zucchini Muffins | Mess for Less
Dairy Free Banana Nut Muffins | For This Season
Baked Mini Cinnamon Donut Holes  | Kidgredients
Chocolate Butterscotch Rice Krispie Treats  |  Royal Baloo
Easy Bite Sized Chocolate Dipped Pretzels | Sugar Aunts

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