Jennifer Lambert

A Sacred Balance

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Homeschool for Free

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You don’t have to spend lots of money to homeschool your kids.

You can homeschool for FREE.

I wasted so much money and time in the beginning on manipulatives, curriculum, books, toys, mostly from insecurity.

I was trained as a high school English teacher. Having preschoolers was terrifying! Homeschooling was scary.

So I spent money on curriculum, lessons, extracurricular activities, anything to get that responsibility off myself and onto others.

It took me several years of trial and error to gain confidence in our homeschool. We purged many unneeded items. We do still have lots of books and manipulatives that we’ve collected, but we’re so much more liberated in our education now than in the beginning.

So where can you get resources to homeschool for free?

Preschool

Enjoy life with your babies. Just include your preschoolers with everything you normally do as a parent. Cooking, cleaning, playing. None of it has to cost a thing beyond what you would normally do. Babies and preschoolers don’t need any formal education. They need a family to love and guide them. Let them play. Go outside a lot. Read a lot. Check out my preschool resources.

Follow Jennifer’s board Preschool on Pinterest.

Elementary

There are oodles of free courses online, books on public domain, and printables (we love notebooking.) I love how unschoolers learn and love life. Let your kids explore what they’re passionate about. I don’t stress about writing or much formal seat work. I want my kids to love learning. See how we homeschool.

Follow Jennifer’s board Notebooking on Pinterest.

Upper Grades

High school homeschool for free? Sure, just get creative! Use the library for literature, science, and history. Enter blog giveaways, do blog reviews for awesome curriculum, join a homeschool co-op and pool your teaching resources with other parents. Even do sports and PE at the YMCA or with other homeschooling families for course credits. I am so excited that my daughters are reaching the high school years and since we school year-round, she has so much freedom to learn what she likes and opportunities to do so many interesting things like Civil Air Patrol, theatre, Red Cross volunteering, and extracurricular activities.

Follow Jennifer’s board High School on Pinterest.

FREE Home Learning Ideas:

Don’t confuse virtual schools that are run by your county or school district with homeschooling. While it may not cost you much or any money, you’re at the beck and call of the public schools and their standardized testing and regulations. If you like that idea, great, but be aware. I prefer freedom.

Don’t fear homeschooling your kids and being confident in your education choices.

Do you have any great free learning tools?

Check out the other Crew members and their free homeschool ideas.

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5 Things I’ve Learned During PCS

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We spent 10 days in TLF before heading out for a weeklong roadtrip on our way to PCS to Germany.

Of course, the HVAC was broken in the TLF unit (temporary housing facility – like a furnished apartment). Our bedroom averaged somewhere in the 50s and the girls’ room was mostly in the low 80s. We had windows open in their room and Aaron and I slept in sweatshirts each night. That was an adventure.

We had to pack for an almost three-month-long journey from Utah to Georgia to Germany.

While being in tight quarters, living out of suitcases, and having no real schedule, we all have to make concessions for each other.

We learn some great life lessons during a military PCS.

5 Things I’ve Learned During PCS

1. How to Self-Entertain

Tori, Kate, and Alex discovered all on their own talking into a fan and making their voices sound funny. Picture below.

I love that they find fun in something harmless and simple and free.

When I warned them to be careful and make sure not to get hair, fingers, or anything else too close to the fan, they offered pained expressions that I would think them that foolish. But I’m a mom and have to mention such warnings. It’s my duty.

I love that the kids found fun new ways to entertain themselves. Boredom is often good, and sparks creativity.

Talking into the Fan2. Cooking Simply is Good Enough

We managed to cook most of our meals until the last pack-out day in our house.

We certainly didn’t want to eat out for ten days while in TLF. Our budget and health would not thank us for that.

Not having access to our cookware, pantry items, and vast spice collection put a damper on some of the meals I like to make. We made do with limited supplies and tools.

We brought some of our pantry items with us that were opened already and too good to throw out – like quinoa, flour, some spices, and sauces.

We celebrated our final days in Utah and at Hill AFB with a cookie cake:

We bought disposable aluminum pans and grilled meat at the nearby playground for dinners.

We had lots of quinoa or rice and steamed veggies and/or salads to go with the grilled meat.

My final dinner, I used up lots of supplies by roasting some chicken thighs and making some harvest wild rice and veggies:

We picnicked for lunches on our road trip except for the last couple days. That saved money and was healthier.

We enjoyed cooking for my parents and they appreciated it too!

3. Quiet Time is Necessary in Tight Spaces

My kids quit naps at the age of two (alas!), and I’ve never been successful with maintaining quiet times with four rambunctious kids. Usually, they play in another part of the house or outdoors in the afternoon while I work.

A couple of cold, rainy days had us irritable and annoying each other, so I had to institute a quiet time those afternoons when everyone had to lie on his or her bed and read, color, or do something silent.

Also, since Alex slept on the living room sofa bed, early risers had to tiptoe around and be super quiet in the morning until he woke up. One morning when he must’ve been super tired, I had to wait to grind and brew my coffee until 08:30!

We often hushed our kids from being too rambunctious since the walls in TLF are so thin. We didn’t want to bother any other residents with jumping around or excessive noise in the mornings or evenings.

4. Less is More

We are only able to have what fits in suitcases, and this posed several problems for me while packing.

We had to account for almost three months and several different climates. We can only carry so much and it had to fit into our Dodge Caravan. We’re allowed 2 suitcases each and 2 carryons each, but we can’t fit all that in the van or manage it in airports.

There were the ten days in TLF where it was chilly and dreary and not quite yet spring where we had to wear layers and be prepared for rain or even snow.

We had to have comfy car clothes for the weeklong road trip from Utah to Georgia. I had a tiny carryon suitcase with pajamas and a change of clothes for everyone that I brought into our hotels each night along with our toiletry bags to minimize unpacking and stress.

We had to have summer clothes for the humid, hot days in Alabama and Georgia. I only brought a few outfits for the couple weeks in the South.

When we arrived in Germany, we went back to wearing layers since it’s cooler there.

I allowed only 2-3 dresses each for the girls and myself and only a few pairs of shoes.

The kids each have a backpack with art supplies and small toys. And I brought two tote bags of school items since we’re not quite finished with our curriculum this year and this helps maintain a routine.

5. Courtesy is a Necessity

Being together constantly and in such tight quarters helped us work on relationship issues. We had to focus on being courteous with each other.

I worked on teaching the kids to not have a “Me First” attitude.

While in TLF, six of us had to share one bathroom with only a shower.

We had to stay quiet while others were working or sleeping.

The kids had to be more helpful than usual and clean the six plates and forks provided for our use – to be ready for each meal.

We had a system for climbing into and out of the van at rest stops during our roadtrip. The van was jampacked and the kids couldn’t stretch out at all.

We taught them not be greedy at the free hotel breakfasts, but to only take what they could and would consume. And we couldn’t really linger since we had to get on the road.

Tori and Kate have always shared a room, but they had to share a double bed at hotels and at their grandparents’ house. Alex and Liz normally have their own rooms and beds, but had to share a double bed too.

They had to share activity supplies – and sometimes snacks and drinks if we got low or ran out.

All of these lessons are great to help them grow up to be servant leaders and compassionate towards others.

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5 Tips for Buying Kids Clothes

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With four growing kids, I have to be careful with clothing and plan buys to help save money.

I’ve been pretty successful these last few years with scoring on great quality kids clothes for four children at amazing prices and here I share my frugal tips with you!

5 Tips for Buying Kids Clothes

5 Frugal Tips for Buying Kids Clothes

1. Buy out of season

You know kids need snow gear, so get it on clearance or at thrift and consignment shops super cheap during summer. When everyone is thinking of swimming, you’re being wise and planning ahead.

Buy sundresses and sandals and beach or pool items at the end of the season (when it’s too hot to even think) and coats are showing up in stores (seriously?!). Just be proactive and get a size up.

Stores like Old Navy have great jeans sales periodically. Stock up! My kids seem to always have holy knees! During back-to-school season, stock up on classics even if your kids don’t wear uniforms. Khaki pants are always a great item to have on hand for church or events that may pop up.

2. Consignment Shops

Our local consignment shop takes only seasonal clothing, so when I switch out clothes in spring and fall, I store the items in the basement to take to the shop to get credit the next season.

There are also HUGE consignment sales at our local expo center in spring and fall. A great place to sell if you’re very organized and so inclined – and an even greater place to stock up on homeschool supplies, toys, baby gear, sports equipment, and clothes.

I recently took three baskets of clothes and toys to our local kids consignment shop and got a credit. I didn’t realize I had never used my credit from last season. When I showed up to purchase some needed items against my $38 credit, I was told I had earned $138. So unexpected! I stocked up!

3. Thrift Stores

I can spot a Gymboree or Land’s End dress several aisles over. I just know the quality and pattern of their fabrics. I like certain brands because they last through several kids and don’t wear out or break down.

Know what you want and need and keep lists of sizes and preferences. Tori likes blue and not pink. Kate loves green and Bohemian clothes. Liz likes classic looks and black and white patterns. Alex loves blue and orange and no buttons.

4. Hand-Me-Down Club with friends or relatives

If you and your friends can work out a hand-me-down system to share clothes and costs and do seasonal swaps, everybody wins! Many of the moms at our church do these swaps informally. And we have a huge church rummage sale. Those who help sort and work get first dibs!

My younger girls love to “shop” from the basement bin of big sister’s old clothes and all my kids love getting boxes from their cousins.

5. Yard Sales

Yard sales are my least favorite way to find frugal clothes. The clothes are often poor quality and worse condition and it takes so much time to sort through bins, baskets, or racks.

We have found some great items like roller blades and jackets and furniture at yard sales.

We did have great success with selling baby items and kids clothing last year at our yard sale. It’s just hit or miss. I don’t waste much time looking for everyday clothing at yard sales.



I do like online yard sales. We had great success at KSL.com and Bookoo.com searching for and finding items we needed or wanted. thredUP is another great way to trade clothing!

I envy those people who have a monthly clothing budget set aside for those emergencies. I’ve just never seemed to manage it. We often use our tax return and Christmas and birthday money to stock up a few times a year. I’ve never had success with budgeting well for clothing since the kids always seem to need something special at random times.

They outgrow favorite items and I have to sneak them out in the dead of night, feeling pangs of ultimate betrayal. Jeans mystically develop humongous knee holes. Socks lose their sole mates. Shirtsleeves mysteriously grow too short or unraveled. And when they occasionally need a specialty clothing item for some event, I have to scramble to find a deal in the right size, color, and style.

Do you have any frugal tips I’ve missed?

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Homemade Turkey Divan Casserole

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This is a great dish to use up leftovers.

I always make this casserole after Thanksgiving. And the kids get so excited if I make it any other time.

No canned soup!

Homemade Turkey Divan Casserole with chopped turkey, broccoli, cheese, and noodles.

Turkey Divan Casserole

I make a roux with sautéed veggies in butter with flour and then add milk or cream to make a béchamel sauce. Look how thick it is! It smells quite divine and tastes wonderful alone.

Vegetable Bechamel

Layers of deliciousness – turkey, veggies, cheese, noodles.

Turkey Divan Ready for the Oven

Ready to pop in the oven for a great frugal healthy meal for our hungry family.

Turkey Divan

Warm gooey cheesy deliciousness!

Homemade Turkey Divan
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Turkey Divan Casserole

Course Main Dish
Cuisine Casserole
Prep Time 15 minutes
Cook Time 45 minutes
Total Time 1 hour
Servings 6

Ingredients

  • 3 T butter
  • 1/4 c AP flour
  • 1-1.5 c whole milk and/or half and half
  • 1 small onion chopped
  • 2 stalks celery chopped
  • 2 medium carrots peeled and chopped
  • 1/2 c mushrooms sliced or chopped
  • 1/4 c bell pepper any color, but we love red or yellow or orange
  • 2 c cooked turkey or chicken chopped
  • 1-2 c fresh broccoli chopped bite-size
  • 1 box noodles prepared according to instructions
  • 1.5 c shredded cheese We like a Mexican cheese blend. Cheddar tends to be oily.
  • pinch salt and pepper to taste
  • 1/2 t garlic powder to taste. I usually use a lot of garlic, fresh and powder.

Instructions

  1. Boil noodles according to directions.

  2. Chop vegetables and saute in butter, but don't brown the onions.

  3. Sprinkle with flour and then immediately whisk in milk or half and half. It should thicken like white gravy. Add more liquid as needed. You can also add in some cheese for extra creaminess. Sometimes, I add the broccoli at this point to make things easy.

  4. Combine gravy and cooked noodles and other ingredients in a bowl.

  5. Spread in a large casserole dish. Sprinkle with cheese.
  6. Bake at 350* for 30-45 minutes, depending on how crispy you like the top.

Some have mentioned this casserole was dry…No recipe is perfect and it doesn’t always turn out great every time.

Some tips to try:

  • Reduce baking time. All ovens are different. Most of the ingredients are already cooked or just need to be warmed up and melded.
  • More bechamel sauce.
  • Try different cheeses or cheese blends for a creamier consistency.
  • Use a deeper or smaller casserole dish.
  • Experiment with the type of noodle in the recipe. Egg noodles are softer while rotini are firmer and dryer.
Linking up: Kids Activities Blog, Design Dining and Diapers, Jam Hands, Table for Seven, The Recipe Critic, Home to 4 Kiddos, The Entwife’s Journal, Savvy in the Kitchen, Peaches and Salt,

What’s your favorite casserole?

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Yard Sale Tips

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How to have a yard sale and make a million bucks $700.

I am amazed at how successful our yard sale was. I expected a couple hundred dollars, spending money for our travels, a buffer to help us out.

I’ve analyzed what we did and I hope it can be duplicated so you can have a great yard sale too!

How to have a successful yard sale:

  • planning

  • preparing

  • purging

  • praying

How to Have a Successful Yard Sale

I realized I’m moving in two months. In two months! Like, out of the country. To a foreign country. With houses much smaller than I’m used to having.

I walked from room to room in despair, disgusted at myself that I accumulate so much STUFF – nine years of marriage, almost four in this particular house, four kids, two cats.

We don’t need this much STUFF.

Stuff ≠ happiness.

I made lists.

I love making lists! Made a list for items to put in storage. Another list for items to sell or donate. Finally, I felt like I was accomplishing something.

I set a date for the sale.

I put it on my calendar which syncs with my husband’s and all our devices. He took leave from work on the Thursday before and Friday, the first sale day. It’s on like Donkey Kong.

I advertised.

I placed an ad in our local paper online for free! I also listed our two big items that we had to sell in separate free classified ads – the 40 gallon aquarium and my big L-shaped desk with hutch. (The aquarium  – with 9 fish and live plants – sold for $50 to a man who raises angelfish for a living – several days before our yard sale!) Our son was so happy his fish would have friends.

I sorted.

I organized clothes and homeschool materials. I started stacking items for sale in our laundry room. I could barely do laundry for a month. I added to the list. I did a little more each day.

I purged, organized, compartmentalized, rearranged – and suddenly, I have three empty rooms. Seriously. In our basement, I have three empty rooms, like, completely empty. It’s crazy.

I cried a little when I clear off several bookshelves.

My husband helped me go through the cellar (there are spiders in there!) and he cleaned out his military gear and donated most of that to Liz’s Civil Air Patrol squadron.

The day before our sale!

We borrowed tables from church. I stacked everything in the garage. My husband carried out the bigger items. The huge desk stayed put. And we prayed.

The first morning of the sale!

Friday. My husband set up the tables and the kids helped set everything out. People arrived before sunrise. We didn’t even have time to put price stickers on anything. We agreed that we just want to get rid of everything as quickly as possible so we set the prices super low. My husband has the Square Register app on his phone so we could take cash or cards.

My eldest daughter was is in charge of the cash register (she used their toy cash register that has a real working calculator.) I taught her to keep all the bills turned the same way and in their slots. I explained that it’s important to out the customer’s money on the table before getting change. Never immediately put a customer’s money in the register. Never leave the register unattended.

One lady asked my husband how much something was and he responded that it was $5. She exclaimed: “No! It’s worth at least $10!” and made him take a ten dollar bill. Another customer made him repeat himself three times that our recliner really was only $20. It was in fine condition, nothing wrong with it. She was overjoyed.

The first day we made about $400 and sold much of the “good stuff.”

People were impressed with the Square Register app and one older man joked that no one could haggle with us if we took credit cards!


The second day’s forecast was supposed to be rainy so we set up the remainder on tables inside our garage and put an easel at the end of the driveway.

We sold the big desk with hutch to a young man with a new startup home business for only $50.

It only drizzled a tiny bit so we still had lots of customers.

Several men asked to buy items right off our garage shelves. I sold two snow shovels that were hanging on the wall. We still have several, so we’re good.

Several families with vanloads of kids came and almost destroyed my setup! I had to straighten my tables several times.

Some people are strange. A couple ladies got irritated with me when I tried to tell them that a curriculum was a set and they should take it all together instead of just one piece. But if they don’t want the teacher manual or manipulatives, I shouldn’t argue!

I was surprised that more clothing didn’t sell. We had a laundry basket full of too-small summer dresses in great condition. Last year, we sold a ton of clothing – in and out of season.

In the afternoon, we decided to close up because the weather turned cold and rainy, so it was perfect timing. We shut our garage doors to clean up.

We made $700 in two days.

Y’all. Seriously. After I cleaned up from the sale, I took away two vanloads – one to donate to the thrift store and one to trade in at the consignment shop. Also, I donated two bags of winter items to our church for the annual rummage sale.

It was liberating to be done with all that stuff.

Get your FREE downloadable garage sale sign kit!

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The Best Homemade Tuna Casserole

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I’ve eaten my fair share of tuna casseroles in my time – some good, some bad, and some ugly.

Most casserole recipes have canned soup in them for the sauce and other ingredients that I would rather not eat. We prefer all natural, real food ingredients.

I think I have perfected the tuna casserole recipe to eliminate all the yuck factors.

This is a great frugal lunch for our homeschool family.

For my two who don’t care for fish? They still love this! It doesn’t taste fishy at all. You can always substitute chicken or turkey or salmon! And I love all the “hidden” vegetables.


I rarely make this for dinner since my husband doesn’t care for it.at.all. But if he’s out of town or busy of a night, it’s a pinch to throw together.

The Best Homemade Tuna Casserole

Procedure:

I have friends who keep the cream soup base in a jar or can in their pantry. I haven’t been that proactive. It’s really just not that hard to make it fresh each time and I have little storage space.

I make a béchamel sauce and boil pretty noodles. (White Sauce – Approx: Melt a stick of butter, add 1/3 c flour, whisk, add 1 pint cream, whisk.)

Boil noodles to al dente. They’re gonna bake in that casserole and you don’t want mush.

Tuna (water and all from the can or pouch – or leftover grilled, roasted, baked tuna steak is very yum!)

Chopped veggies in a big bowl. I love, love, love roasted peppers. We canned our own last fall and wow! does that add a lovely flavor.

Lots of shredded cheese. Usually whatever I have on hand – Parmesan is a must though. A Mexican cheese blend melts just beautifully.

Here’s the casserole beauty, ready for the oven:

Tuna Casserole Ready for the Oven
Print

The Best Homemade Tuna Casserole

Course Main Dish
Cuisine Casserole
Prep Time 20 minutes
Cook Time 30 minutes
Total Time 50 minutes
Servings 6

Ingredients

  • 2-4 T butter
  • 1/4-1/3 c AP flour
  • 1-1.5 c milk or cream or half and half
  • 1 small onion chopped
  • 2 stalks celery chopped
  • 2 medium carrots chopped
  • 1/4 c roasted red peppers (pimientos) chopped
  • 1/4 c bell pepper (any color but green is pretty) chopped
  • 1 large can tuna or a cooked tuna steak, chopped
  • 12 oz noodles prepared al dente
  • 1.5 c shredded cheese I like a Mexican blend + Parmesan
  • 1 pinch salt to taste
  • 1 pinch black pepper to taste
  • 1 pinch garlic powder to taste

Instructions

  1. Boil noodles according to directions.
  2. Chop onions, carrots, and peppers.
  3. Saute vegetables in butter with a drizzle of olive oil.
  4. Sprinkle 1/4 c AP flour over vegetables, then immediately whisk in cream until smooth and thick.
  5. Combine Bechamel sauce in a bowl with tuna and noodles and cheese.
  6. Spread in a large baking dish. Sprinkle with cheese.
  7. Bake at 350* for about 30-45 minutes, depending on how crispy you like the top.
Linking up: The Sassy Slow Cooker, Home to 4 Kiddos, Crystal and Co., Kids Activity Blog, The Recipe Critic, Our Table for Seven
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Frugal Birthday Celebration

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I’m decorationally challenged.

I loathe kids’ birthday parties. I am always stressed.

Some of the stress is from growing up, surrounded by aunts, uncles, and cousins and having rather large gatherings for my birthdays, along with kids from my class at school.

We just don’t have any of that.

I tried. I wasted time and money on Liz’s birthdays for years. Some were rather successful and others flopped miserable, with no one even RSVPing or showing.

My husband didn’t grow up with big birthdays so he didn’t understand any of this.

So we discussed downsizing our idea of birthday expectations.

We’ve been having simple family dinners at home for a few years now.

No pressure. Teaching our kids that they’re special to us and we don’t have to blow a lot of money or impress people to show that.

So I’ve had to dig deep to find ways to make birthdays specials, frugally and without stressing out about it.

Because it’s not about things. I want my kids to learn that and honestly, they’re teaching me that too. They’re better at contentment than I am. And I love this post by my friend, Amber: When You Can’t Give Your Kids Disneyland.

Here is what I did for Tori’s 8th birthday.

I scored this rustic burlap pennant banner at Hobby Lobby.

I printed the letters on teal paper. I found the letters online at Martha Stewart’s site. I’m not really a fan, but Google to the rescue!

Birthday Banner

I used the same letters on skewers to decorate the cake with some long skinny blue candles and a cocktail umbrella Kate found in our cupcake drawer.

Tori wanted a white cake with chocolate frosting. This is my grandma’s recipe and it turned out amazing. Is it me, or is there just never enough frosting? I have bald spots on my cake!

Birthday Cake

What do you think?

I’ve also used this recipe to make 24 cupcakes and I’ve also thrown a half cup of cocoa powder into the cake batter to make a chocolate cake.

It’s almost time to blow the candles out! Dad picked up a lovely bouquet of flowers from the store on his way home from work.

Chocolate Cake with Blue Decorations

Tori’s favorite meal is Korean BBQ. Now, she’s never actually actually been to a Korean restaurant. She loves the Korean BBQ sauce flavor.

Which is basically a type of teriyaki sauce.

So we buy some nice strip steaks (no bony, fatty kalbi short ribs for her!). The kids don’t like to work for their food.

I plated it rather pretty on our Celebrate plate:

Celebration Dinner

Here’s our happy birthday girl. Eight years old!

Birthday Girl

I scored a Marie-Grace American Girl doll back in November for $40 on sale on their website and kept it hidden in my closet until now. It’s not the one she was wishing for (Caroline looks more like her and is into fishing!), but it is her first American Girl doll and she’s happy.

Whew!

One birthday down, two more to go this spring. Then Liz’s in the fall.

A great steak marinade:

Print

Korean BBQ Sauce

Cuisine Asian
Servings 1 cups

Ingredients

  • 4 T ground sesame seeds We use a coffee grinder
  • 8 cloves garlic pressed
  • 1.5 c soy sauce We like gluten-free Tamari
  • 4 T sherry
  • 6 T honey
  • 4 T sesame oil
  • 4 T water
  • 4 t fresh ginger grated
  • 4 t red pepper flakes optional

Instructions

  1. Whisk ingredients together in a bowl and store in a plastic squeeze bottle in the fridge for when needed. I like to garnish meat with more sesame seeds and chopped scallions.

 Our favorite cake:

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Easy White Cake

Cuisine cake
Prep Time 10 minutes
Cook Time 25 minutes
Total Time 50 minutes
Servings 2 layers

Ingredients

  • 1 cup butter (2 sticks) softened
  • 2 cups sugar
  • 4 large eggs room temperature
  • 1 t vanilla
  • 1/2 t almond extract
  • 3 t baking powder
  • 1/2 t salt
  • 3 c cake flour
  • 1 c milk room temperature

Instructions

  1. Cream butter and sugar.

  2. Add eggs and vanilla and almond extract.

  3. Sift flour, salt, and baking powder together in another bowl.

  4. Alternate milk and flour into butter mixture until just mixed.

  5. Pour evenly into cake pans.

  6. Bake for about 25 minutes at 350*

Print

Chocolate Buttercream Frosting

Cuisine cake
Servings 2 cups

Ingredients

  • 1.5 c butter (3 sticks), softened  or 1/2 butter and 1/2 shortening
  • 1 c cocoa powder
  • 5 c powdered sugar
  • 1/2 c milk
  • 1-2 t vanilla
  • 1/4 t espresso powder optional

Instructions

  1. Whisk cocoa to remove lumps.
  2. Cream butter.
  3. Add vanilla and espresso (optional).
  4. Gradually add sugar, 1 cup at a time, scraping bowl often.
  5. Add milk until desired consistency.

Linking up: Enchanted Homeschooling Mom, The Life of Jennifer Dawn,  3 Boys and a Dog, Our 4 Kiddos, Kiddie Foodies, Kitchen Fun with My 3 Boys, The Jenny Evolution, Crafty Moms Share, 

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Losing Control

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So, we saved almost $1500 in a little over a month.

Wanna know how?

By losing control.

We went down to just one vehicle.

How we're surviving with one vehicle

My husband started driving our van to work. We put his truck up for sale on the lot on base since we’re moving out of the country and can only ship one vehicle. And the van is paid for, title in hand.

I have kept a budget in an Excel spreadsheet ever since before we were married. I don’t itemize it as closely as a I should. I have a cell for each bill, many on auto-pay (like our investments and insurance), and others (like utilities, Internet, and cell phones) are generally the same amount each month. Then there’s our food/gas/living expenses cell that fluctuates wildly each pay period. I should have monitored that more carefully. The pay-all-cash, envelope system just doesn’t appeal to my husband or me. We just don’t use ATMs and my husband’s paychecks are direct-deposited. Our bank is really just an online entity.

I’ve been rather proud of being frugal this past year. We’d cut down on our spending pretty drastically. We don’t eat out. That helps a lot.

When I noticed we had all this extra money leftover after a couple paydays, I was rather devastated that I must blow that much cash on errands a few times a week – that it would add up to that much in a month of being stuck at home. I asked my husband to verify the budget and he did some math-y formula stuff and looked at the accounts and numbers.

Then I asked if this could have anything to do with my being stuck at home for almost a month while he took the van to work. He’s been picking up the groceries we need. And we’ve been paying cash for gas.

Light bulb (in the voice of Gru from Despicable Me).

So, how did we save so much money? I didn’t monitor well all the little seeps of using that debit card.

Like, when I poorly plan and we need a single item from the grocery store and then I come home with three bags.

Or grocery shopping too close to meal time and not planning to have a slow cooker dinner ready or lunch leftovers and then picking up a couple of those ready-made pizzas from the deli area.

Or not thawing out meat well enough in advance and having to rush out to pick up some rotisserie chicken or even some fresh meat – and five other items to make the recipe I decided last minute.

Not to mention all the extra gas wasted with the unnecessary running around that could be eliminated with better planning.

With better planning, I could shop for meals monthly or even twice a month, and let that be the end of it.

And all that extra money we’re saving with having one vehicle? So many options! Into our savings account to earn interest. To pay off unsecured debt. To take a vacation en route to our next duty station. To take the kids on fun staycation places before we move.

I wish we had done this sooner. I wish we hadn’t bought into the “need” for two vehicles. This was my selfish demand when we arrived here with our van from our last duty station. I wanted freedom to drive where I wanted, when I wanted. I didn’t even wait to see if we could “survive” with one vehicle.

I didn’t wait on the Lord to provide the perfect vehicle or say NO to me. I pressured my husband to drive the 1.5 hours down to Carmax to purchase a used Jeep Liberty that we owned for a year, then encouraged him to trade that in for a pickup truck that we are now having to sell. And we owe more than it’s worth. (Please pray it sells soon!) And I can imagine even more blessings when we don’t have that extra monthly payment to make!

My husband just mentioned yesterday how simple it is, having only one vehicle, even with having to juggle a couple appointments this week. It makes us appreciate our provision more than ever.

I read blog posts and articles all the time with lists about how to save money, cut costs, be frugal…and they really just all say the same things. They’re good lists, but I haven’t gleaned anything life changing from them.

Eat at home. Combine errands. Don’t use credit cards. Don’t shop online. Reduce. Reuse. Simplify.

I’ve done almost all of that I can do…except sacrifice by having only one vehicle…so there it is.

But I needed to lose control. Of my selfishness. Of my finances. Of my demand. Of that blasted Excel spreadsheet with its numbers and formulas and figures in black and white that don’t necessarily add up to God.

I am amazed and blessed…and shocked.

Check out some other frugal posts by the Review Crew.

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How to Have a Debt-Free Christmas

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We changed our focus and priorities to have a simple, debt-free holiday.

Christmas should be about family, experiences, Jesus. Not stuff. {Tweet this}

How to Have a Debt-Free Christmas

How can we have a debt-free Christmas?

Pay cash.

We don’t do adult gifts.

If we don’t have enough money, we don’t buy it.

Stick to a budget. Plan for the holidays year-round by putting a portion of income each month into a savings account.

We’ve prepared the kids that we well have smaller Christmas than in the past. We don’t do Santa. We don’t do that ridiculous Elf or any of its cousins.

We don’t have piles of gifts like our parents provided us. I shop sales and have been very careful. I find great items year-round and store them away for the holidays.

Planning is key. I keep an Amazon wishlist updated throughout the year and watch prices with Honey.

Set a standard.

I only buy a few gifts for the kids.

I send my parents a gift card because they have more stuff than they could ever use and they like to eat out at restaurants.

My husband and I don’t give presents to each other or extended family.

If you have to do gifts with others…Organize some kind of swap with extended family, like a name drawing. Send money to a charity in family’s name instead of a tangible gift. Be creative.

We don’t watch TV.

By not being exposed to commercials, we don’t have cases of the gimmes.

It almost makes gift buying difficult and I have to be more creative and search for the perfect things. We’ve downscaled a lot. We’ve simplified. We’re picky.

I prefer quality over quantity.

I love this gifting plan:

  • something they want

  • something they need

  • something to wear

  • something to read

But, for us, there’s very little we need (such a blessing!) and I don’t often buy clothing for Christmas gifts.

We don’t know what the “popular” toys are. When someone asked if my girls wanted a particular toy for Christmas since it was “all the rage” at her daughter’s school, I had to Google it. My girls probably would enjoy it, but not because it’s popular. But then they would discard it too soon or it would break.

We don’t strive to keep up with society and it’s so much more relaxing not to have to compare.

We focus on the meaning of Christmas: Jesus.

We read through Advent studies each day. We love the books by Ytreeide. This year we’re reading Bartholomew’s Passage. We light candles and pray and sing carols and we’re together.

We read about and celebrate St. Nicholas day on December 6. The children know this is the base for the legend of Santa Claus.

We learned about and celebrated Hanukkah during our Ancient Studies history and it has become tradition now.

We decorate simply.

Our house doesn’t look like it’s out of a magazine or store catalog. No Anthropologie or Pottery Barn here. We live here; it’s not a museum.

We have an artificial tree. We have a lovely Advent wreath and a new Jesse Tree this year! We’re making do with what we have. Alex wanted the outside of the house decorated and we managed to do it well with lights we bought on clearance years ago. Win!

Our church has an ornament exchange so each of my children gets a new ornament each year. They love it. And their hearts are better than mine that they’re never disappointed in the ornament they receive.

We just don’t go shopping.

It’s really that easy.

My mom used to love to go shopping as entertainment. I don’t. I don’t need retail therapy.

I don’t subscribe to store emails. We don’t get newspapers.

We stay home on Black Friday. We don’t go online all weekend long. We find other stuff to do.

We have a budget and are doing better sticking to it. I go to the grocery store when we need to stock up (and honestly, this is where most of our money goes! We like to eat well).

We go to stores when we need a particular item.

I do most of my buying online long before November. If we don’t go to stores, we’re not tempted. But I’m also learning to get offline when all the sales start. That’s becoming a temptation too. Just because it’s a deal, doesn’t mean we need it.

We read lots of fun and meaningful Christmas books.

I keep books with the holiday decorations and we get more from the library.

A favorite this year is The Dinosaurs’ Night Before Christmas. The accompanying CD is a parody of Christmas carols with hilarious dinosaur fun. The kids love it.

I hope to do some useful crafts and homemade baking projects to share with friends this week. The kids love that and it fits in with our servant leadership goals. We don’t eat many sweets, so these are fun and frugal gifts.

Check out this Essential Guide to a Crap-Free Christmas

How do you stay of debt during the holidays?

What are your priorities?

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5 Money Tips

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We all want to be considered wise and knowledgeable.

Sometimes, we can’t think straight when it comes to managing our money.

Are you good stewards of what the Lord provides you? Are you training your children to be good stewards? Are you leaving them a legacy?

Through skillful and godly Wisdom is a house (a life, a home, a family) built, and by understanding it is established [on a sound and good foundation],

And by knowledge shall its chambers [of every area] be filled with all precious and pleasant riches.

Proverbs 24:3-4 AMP

Debt is a harsh master.

Are you a victim of our culture’s lies about money?

More, more, more.

Are you trying to fill a hole in your soul with more stuff?

Only God can fill you up and teach you to be content. And help you achieve freedom from debt.

Are you trying to fill a hole in your soul with more stuff? Only God can fill you up and teach you to be content. And help you achieve debt freedom.

  

5 Money Tips

1. Pay Cash.

This seems like a no-brainer, but it’s really hard.

We have credit cards. We have a debit card. We have ATM fees. We have a spending plan. I use an Excel spreadsheet. We have debt. Back to square one.

We just need to quit buying stuff.  Just quit charging! Cut up those cards or put them in a big bag of water in the freezer. By the time it takes to unfreeze, you’ll have thought better of that purchase.

Don’t store your card numbers on websites – like Amazon. It’s too convenient.

Studies show that paying cash makes you really think about those purchases rather than swiping that plastic.

Live within your means. It might be shocking at first and there’s a steep learning curve, but you’ll get used to it.

Are you a slave?

The Bible says you’re a slave if you have debt.

Now, I know most of us don’t consider car loans and mortgages debt. Not many can pay cash for cars or houses.

Set your own goals. Our goals are to use no credit cards nor have any unsecured debt.

I know some people who forbid debt in their lives in totality. What freedom that must be!

The poor are ruled by the rich,
and those who borrow
are slaves of moneylenders.

Proverbs 22:7 CEV

Owe no man anything, save to love one another: for he that loveth his neighbor hath fulfilled the law.

Roman 13:8 ASV

2. Evaluate where you can save money.

Do you need to add energy savers to your home? Paying a little upfront to seal door cracks or upgrade windows or add insulation could save you lots in the future.

Can you bike to work? Can you live with one vehicle? Can you combine errands to only go out once a week to save on fuel?

Keep your cars maintained so they don’t end up costing more when things break.

Buy second hand items when you need something.

Can you grow a garden to save on groceries? Can you get paid to recycle in your state? Get a water filter and reusable bottles instead of purchasing plastic bottles of water.

Can you make your own cleaners? Can you replace paper and single use plastic products with reusable ones?

Set up a healthy menu and plan meals at home (we love eMeals!) instead of eating out.

Cancel those catalog and magazine subscriptions. Unsubscribe to store emails and alerts and texts. If the temptation isn’t there…

Subscribe to emails that list free apps and Kindle eBooks. Use your local library instead of purchasing the latest novel. The list is endless and it all depends on your comfort level. 

If you’re a homeschooler, there are oodles of options for free and frugal curriculum. 

Are you one of those pampered people who buys a latte at the coffee shop every day? Do you get mani pedis regularly? I’m not saying to stop caring for yourself, but you must set priorities. Treat yourself less frequently perhaps. I wish I had all that money back from when I wasted so much!

pamper-yourself-at-home.png

Do you go out for happy hour with friends periodically?

You can do all that at home for so much cheaper. Make life more meaningful and save money. Rotate homes every week or month. It’s easier for parents too.

backyard-cocktail-hour.png

The Bible says that God will provide all our needs.

Make sure you evaluate your needs vs. your wants.

I know. Sometimes I need chocolate too. Don’t starve yourself of treats or you’ll binge. Just be careful and frugal and set priorities. Communicate with your family.

3. Rethink gift giving.

Simplify.

We don’t throw huge birthday parties for our kids. We celebrate at home with a special meal and decorate frugally.

For Christmas and birthdays and other gift-giving holidays, we prefer experiential gifts to more stuff.

If you have family members who don’t understand or agree, look into group giving exchanges like a charity or memberships to museums.

Cards are pretty and thoughtful, but they’re just expensive clutter. Send eCards instead.

Shop thrift stores. Make your own decorations and invite the kids to help to make it more festive!

Teach a spirit of giving to others. You can give services or time instead of things.

If you give stuff, check out this shopping schedule and plan accordingly.

What good is it for someone to gain the whole world, yet forfeit their soul?

Mark 8:36 NIV

4. Educate yourself.

My husband and I come from very different money backgrounds.

His parents didn’t discuss money with their kids. At all. When they passed on during our first year of marriage, it was confusing and stressful to work out their affairs.

My parents were always very open with me about money. They are very organized. They have file folders for each account in a strong box with all the info so it’s easy to access in an emergency. My name is on the accounts to make my life easier when they pass so I won’t have to pay unnecessary taxes. They explained the process of banking and loans to me all my life. I attended their professional financial meetings so I could listen and ask questions. I so appreciate that practical education. They helped me buy cars – and my first house when I was in my 20s. I know what they’re worth and how they got there. They are very conservative, but they live very comfortably in retirement.

It’s an uncomfortable conversation for many.

Do you know how much you’re worth? Do you have investments? Are you utilizing the best options for saving towards retirement? Do you have enough insurance? What would happen in an emergency? Do you have enough in savings? Do you understand interest rates, CDs, money markets, savings bonds? Do you have parents or loved ones with whom you need to discuss finances? Will you or your siblings be responsible for caring for elderly parents? Are there funds in place for that?

Are you planning for your and your kids’ futures?

Read the Parable of the Talents. Which son do you relate to and why?

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5. Be proactive.

Have a family notebook or protected computer file with all your information in case of an emergency.

We have IRAs. We have mutual funds.

We have 529s and CDs for our four kids. All the kids have life insurance and savings accounts.

We educate the kids about money and where it comes from and how banks work. I explain the dangers of credit cards. I want them to know the differences between debit and credit.

My teen has a checking account and a check card through USAA.

We know we receive an inheritance from Aaron’s aunt at certain intervals, dividends from Aaron’s mom’s IRA every September, when my parents pass on.

Consider your financial goals.

Are you prepared for your kids’ higher education? What is your vision for that?

Are you planning for retirement? What do you want retirement to look like?

Do you have extended medical needs? Look into flexible spending or separate savings accounts for that. Check into alternative medicine. Prevention is better than treatment sometimes.

Be sure you know the condition of your flocks,
give careful attention to your herds;
for riches do not endure forever…

Proverbs 27: 23-24a NIV

Money Resources:

Courtship Topics. These discussion topics (especially about money!) are great to discuss, even years after you’ve married. We weren’t on the same page at all in many areas nor did we even know! If you and your spouse don’t have the same financial goals, it will be almost impossible to get anywhere together. Finances are always an area of conflict in marriage.

Crown Ministries. I used to teach a Sunday school class for single moms on finances using these materials. They have some great tools for families.

The Money Couple. Take a money personality quiz to find out what you really think about money use. Discuss with your spouse.

Dave Ramsey. You either love him or hate him. I actually refuse to purchase his materials or pay for his course on principle. I know many who have achieved financial freedom through his teachings. I just think he capitalizes and profits off people’s ignorance and weakness. Judge for yourself.

USAA. They have great teen resources to get your kids started out right in the financial world. Check with your local bank to see if they have something similar. We like our one stop shopping since we move around so frequently with the military.

How to Set a Budget

How We Save Money

How to Save Money While Shopping

How to Have a Debt-Free Christmas

5 Tips for Buying Kids Clothes

How to Get the Most Out of Amazon Prime

How We Afford Large Family Travel

Homeschool Frugally:

Plans are established by seeking advice;
so if you wage war, obtain guidance.

Proverbs 20:18 NIV

Wage war on that debt!

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