Sunday, September 8, 2013

8 Money Saving Ideas.....Trade this for that!

A lot of people are trying to save money these days.  Financial goals may vary, but whatever they are, finding ways to spend less is key. Our initial financial goal was to continue to live debt free on one income instead of two.  Then our newer goal is to live debt free on one income while saving up 35,000 to adopt.  haha.  Sounds lofty, but we are already $24,000+ in!  It's really exciting.  Anything we feel we're "sacrificing" to get there is going to be so little, so insignificant, when we are finished.

I think, as Americans, we feel entitled to have everything and anything we think we need.  We feel we deserve this or that and it's really indoctrinated into our brains that we need to have nice things, go nice places, and keep up with the Jones'.  But somehow, in the midst of it all, we have to make a shift.  I'm learning about contentment and gratitude on a daily basis.

As a Jesus follower, I don't think the material things really matter in the end.  Jesus was all about people.  Relationships.  Helping.  Serving.  Sharing the gospel.  Transformation. I want to be more like that.  The bible tells us not to worry or be anxious, to trust in God.  To seek his Kingdom.  Love God first.
"But seek first his kingdom and his righteousness, and all these things
will be given to you as well."         - Matthew 6:33                                           

Sometimes we spend less so we can have more.  Ultimately it would be great if we got to the place where we would spend less so we could give more!


Whatever the reason you need to spend less, maybe one of these would work :)And keep in mind, that none of these things I'm suggesting we trade out are "bad".  But if you're in debt or needing to spend less then it might not be a bad idea-even temporarily.

Trade this for that.....

 1. Trade this.....



For that....




Sometimes I really need a break from the dinner rush preparation and all the dishes that come along with it. Taking your family to dinner you can easily drop $40-50+ without too much effort. We heard on the morning news recently that the average 35-45 year old eats out 220 times a year (about 4 times a week!).  Wow!  Besides getting costly, that probably isn't the best for your health lol.  We have nearly  removed eating out from our budget right now but I still need a break.  I try to make a double dinner on Saturday so we can eat leftovers on Sunday.  Then my other favorite things to do for a "break" is use my crock pot.  Fajitas in the crock pot were last nights dinner and it was so nice to have it prepared in the morning (dishes included) so I just had to cook some beans and rice on the stove and voila!  Find a recipe that will help you have a dinner-time break! I also know friends who do freezer meals so they aren't prepping dinner every day. 

2. Trade this....



For That....


One study showed that the average American worker spends $1,000 a year on coffee!  Now you may not think of your $4 coffee as being that much but it does add up!  With $1,000 you could....pay off a credit card, take a family trip, sponsor 2 1/2 kids in India through Gospel For Asia for a year, or whatever your heart desires! Remember that there are tons of flavored creamers and "extras" to emulate your favorite coffee drink out there.

3.  Trade this.....


Don't get me wrong- hotels are great.   But paying for a family-size hotel room is costly!  We stayed one night at the beach this summer in a simple hotel and it was $150 for the family suite!  So if you need to save a few bucks see below....

For that....


 A yurt!! What a magnificent invention! In Oregon they only cost about $39 per night. Yurts are what enabled our family to take a couple of mini "vacations" (aka camping trips) this summer.  Granted, not everybody is an outdoorsy camping sort of person, but give it a shot!  If you can't fathom walking to the bathroom or cooking outside, find a "deluxe" yurt that has bathrooms and a kitchenette.  We are going to try one out for the first time this fall!

4. Trade this....


For that....


St. Vinny's is one of my all time fav. thrift stores from my home town.  There are many others out there.  Goodwill, Value Villiage,  children's consignment shops, etc.  Try one out!  It's not too terrible.  And, bonus:  used clothes are pre-shrunk!  Double bonus:  you won't feel as bad when your kids stain and destroy their clothes when you spent less on them haha.  Oh, and don't forget garage sales, though seasonal, to be a good resource!

5.Trade this...


  
For that....




Last summer our goal was to visit every school play ground  and park on our side of town and it was a blast!  We still have some of our favorite spots to play with our little guys.  Taking little kids to busy theme parks and fairs can be fun, but it can also be expensive and exhausting and if you really need to save some pennies, then why not skip it all together and find a free play gorund, park, neighborhood nature trail, etc. to explore.  My dad calls our boys "good little explorers" adn I think that's true!  They love just visiting new places where they can run free and be outside.  I think they have more fun at parks and outside than many other places.
Other free fun could include picnics, library activities, playing in the yard, etc.


6. Trade this...


For that....

Yes, it takes more time, but little things like peeling and cutting up carrots instead of buying them already prepared does save money.  If you can swing the extra time, try cutting out some "convenience" foods.


7.  Trade this....


For that....








So this one is kind of a joke, but really- a lot of little kids have more fun playing with something like a box than fancy toys from a store.  I think, as parents, we tend to think that we need to get fancy stuff for our kids.  And yes, our boys have plenty of toys, but they also spent a large amount of time this summer playing with sticks, rocks, and random things they found outside.

8.  Trade this...

Tivo/DVR/Cable/On Demand

For this...


I don't even know all the cable and on demand options out there to be honest sine we've never had it in our married life, but I know they can be costly.  We used to have Netflix streaming for $8 a month and there were plenty of options.  Right now we've even cut out Netflix to save a tiny bit more and since we really don't watch much TV it just made sense.  That said, I can totally see us getting Netflix back in the future some day.  It's only $8 and you can cancel and start it up whenever you want.  The other Netflix option is getting movies through the mail for an additional $8+ a month. 


So whatever your situation, think of things to trade out, ways to be creative, ways to spend less so you can meet your goals.  Think big and think little.  Everything adds up.

Monday, June 24, 2013

Reflections of a career woman turned Stay-at-home-mom...

So, in all honesty, I was only a "career woman" for 4 years.  Plus 4 years of undergraduate work before that and 3 years of graduate work while I was teaching.  The college and career time was full of great and wonderful experiences that helped shape who I am.  I am very thankful for having been able to finish school debt free, work for 4 years to save a down payment on our home, etc.  So many good things about working and all of that.  But it was very consuming.

And I realized today, on my oldest son's 4th birthday.  I've officially been a Stay-at-home-mom for as long as I was a teacher!!  Teacher for 4 years; Homemaker for 4 years.  They're tied.  Seemed like I just turned in my resignation letter to the school district last week. Four years and 2 1/2 kids later (we are in the adoption process for those of you that didn't know- for kiddo #3)..... I am thankful for the decision Aaron and I made. Yes, I'll probably teach in some capacity in the future and I'm going to keep my license up to date, but God has given me a different passion and desire right now.

Being home hasn't been easy.  It's been painfully challenging and gut wrenching at times, joyful and fun at others, but we have the swing of things most of days and it's going pretty well- albeit exhausting. And, somehow, I love it.  God has taught me much about relying on him and less on myself.  I love being able to get my babies up in the mornings, tuck them in for their naps, read them 5,000 stories, read the children's bible, do Resurrection Eggs, do preschool lessons, push them on the swings in our backyard for 2 hours..., take them to WinCo, and kiss their boo boos.  I love to be the one taking care of them one they're sick even though it's exhausting, the one to rock the colicky baby even though it's painful to listen to, and the one they share every random exciting story with throughout the regular days and fun days alike.  I love doing my husband's laundry (remember- I also wash cloth diapers so this is my measure...;)- thankful for his presence to make all those dirty clothes, I love having dinner almost ready when he walks in from a long day away from home, and I love managing the home as time consuming as it is!

Some people don't think stay at home moms work.  If you're one of them, come job shadow me for a week and maybe you'll change your mind.  There are no days off; every day is the same.  You're always on duty, always in demand, and always meeting other people's needs.
And yes, there's the money issue- or lack thereof.  Halving your income cut in half isn't the easiest thing to do.  But God has taught us many things during the last 4 years about contentment, gratitude, generosity, living with less, global needs of the church, etc.  One of my favorite quotes from an Andy Stanley Podcast is,
"When you become more aware of the needs of others, you become less focused on what you don't have."  And oh so true is that. 

I know not everybody wants or has the opportunity to be at home, but the fact that I blinked and my 4 pound tiny baby turned 4... it goes by fast (though it seems slow) and I know we will never regret the seemingly large monetary sacrifices made during this season of our family life so that I could be home to take care of my hubby and babies.  It does get exhausting to make these "so called" monetary sacrifices, but when I really think about it, I know how ridiculous it is that.....

 -NOT eating out, or
-NOT buying myself new clothes, or
-NOT going to salons
-NOT using disposable diapers 
-NOT going on a lot of vacations etc.
_________fill in the blank

is even considered a sacrifice.  That is such an American culture mindset.  And those things don't even affect my kids negatively at ALL.  There are so many mamas out, in our country and even more so in developing countries, who are fighting for their lives and just to feed their kids.  Just so they don't starve.  Eating a wholesome meal at home instead of paying somebody else to cook it?  A sacrifice?  Yes if you use facebook where everybody posts all the restaurants they're eating at.  No, if you really think about it. 



Any sacrifice really seems 100% worth it when you get to take care of and shepherd these two goofballs all day long.  Learning a lot about the ministry of motherhood these days and feeling very grateful.                                                           (Mateo and Alex, here 3 1/2 and 1 1/2)




Wednesday, April 24, 2013

TV alternatives?

I don't think television is inherently evil.  

I do, however, think lots of things are better. We tend to reserve TV time for when someone is really sick (i.s. stomach flu = Mateo gets approved cartoons all day), while at Grandma's, or for another special activity together.  Plus, until recently, Alex- now 19 months, didn't really notice the TV so he could have cared less. 

While there are programs out there that we'd consider educational or at least entertaining, and we have a couple that we love (i.e. Baby Einsten, Curious Geroge), not many would dispute the fact that nothing can beat real-life play time or interaction.

That said, I know parents need a break.  I am with my kids all day.  I can't play with them every second of the day. Some days I think my life would be easier if I just put the TV on for them all day.  But we don't want to do that.  Here are a few things that we enjoy and that keep the boys busy:

1.  ROTATING TOYS
Things with wheels toy box
Most of our toys are organized in the boys' closets which are locked closed for little people.  Maybe I'm a control freak or maybe I just really like organization, but I can't handle having all the toys out at once.  I'll rotate the toys a couple times a week (or when Mateo asks) and it's fun to watch the boys find new ways to play with them.  The unspoken rule is that if Mateo wants to get out his Lincoln Logs, his Mega Blocks, his K'Nex, etc....then we put something else away.  Plus, I don't mind when they can dump their toys out and make a "mess" when there aren't as many toys out to be messy with.  This helps a LOT. Having a rotation for toys also really boosts their desire to play with their toys. 

Mateo is almost always up before Alex and sometimes he'll see a "new" box of toys and get busy playing while I get breakfast ready.  


2.  LISTENING STATION: 

Yes, our listening station is very old school.  But I have some books on tape, the libraries still carry books on tape, and Mateo really likes it.  I'm sure there are books on CD if you want something more 21st century and I know there are lots of new-age electronic things from Leap Pads to iPads but there's something wonderful about the lack of a screen in this listening station.  Mateo knows how to use our iPod touches, has mastered the touch screen, and they do come in handy when he comes along to my appointments or on long car rides, but this is different.
Sometimes he has the attentions span to sit down and turn the pages while the story reads.  Other times he just likes to listen to the story while he plays or colors.  And, I must say, listening to the story without the book is just as great because it really fine tunes his listening comprehension (yes, I still have a classroom teacher brain sometimes ;) A great part of this is that Mateo can select, rewind, and play the tapes all by himself.  Yay!

3.  COLOR/CUT/CREATE:
This "station" has definitely morphed as Mateo has gotten older and as Alex has gotten taller.  It is now at our highest surface possible- up at the counter (like a breakfast bar) in the kitchen.  Mateo has his little caddy with scissors, stickers, all sorts of utensils, and paper.  It's accessible all the time.   Sometimes when I'm cutting out my coupons he gets the inserts that have already been cut from and finds cool pictures to make a collage. We do painting and other projects on occasion, but this is something he can do all by himself.

4.  PLAY OUTSIDE:
I don't really let the boys play outside when it's cold. They seem to get sick easily and just don't seem to have the strongest immune systems.  So while this may not be the best option in cold weather, now that the spring weather is coming out in full beauty, we spend a lot of time outside.  Swings, slides, walks, kicking a ball, digging in the dirt, finding clovers, acorns,  (or _____), drawing with chalk, etc.   The boys are at a great age to play together outside.  Babies are much harder (in my opinion!) so last summer wasn't as easy!
Mateo digging up moss in our grass, haha.

5.  PLAY WITH YOUR KIDS:
Sometimes my kids just want my full attention.  They want me to play WITH them and not just be NEXT TO them.  Although I know it's hard to sometimes give up my agenda or productivity, it's great for them.  Plus, I think they learn new ways to play with toys when we play with them.  They are more creative and more imaginative.
Playing at the nearby elementary school play ground that is walking distance from our home. We found daisies, poked dirt with twigs, climbed on stuff, and other fun things

6.  READ BOOKS:
Mateo has an odd attentions span for listening to books.  We've been reading a chapter book lately that I was sure he wouldn't like, but he kept begging for more.  We go regularly to the public library and our church library to find some new gems.  Plus, I have a lot of books myself from childhood and teaching days.  We rotate those too ;)  Sitting down to read a book with Mateo:  definitely his love language (quality time!).  He also loves telling oral stories at nap and bedtime and I love seeing his imagination bloom.  Alex is just barely getting to the stage where he'll sit and listen to a book.  It's exciting to me that he's not eating them anymore haha.


7.  PLAN A LESSON:
We've really enjoyed doing preschool at home this year.  Doing preschool with my friend and her kiddos on occasion this year provided some extra accountability in planning.  It was also way more fun and added some cooperative learning.  Regardless of the specifics, it is fun to engage Mateo in intentional learning times and then see the learning unfold in play time later in the day.  And sometimes, Alex likes to join in as he can too!




8.  PLACE YOUR TV STRATEGICALLY:
What also keeps us from having the TV on more than we do is the fact that we don't have a television in our main living room.  Our split level home is a funny layout that I've come to love over the last 4 years.  So, our downstairs den houses our TV and it's just not somewhere we hang out a lot of the time.  We spend most of our time at home upstairs.  We do have a small TV in our master bedroom- so on some occasions I can utilize that TV for the boys.  Plus, Aaron and I are just kind of weird and we don't make time- like ever- to watch TV when the boys are awake.  If we watch a movie or a show (Psych is our fav) it's later in the evening when they are asleep. Oh, and without cable, options are limited.


So, as I said at the beginning, I don't think TV is inherently evil, but I really appreciate it not being a part of our daily routines.  Mateo might watching something once or twice a week, but it's not every day all the time blaring over stimulation in his face.  Kids are only little kids once.  I say, let them play!