Wednesday, November 18, 2009

Budgets

So I know I have been asking a lot from readers lately. Christmas questions,venting about people using the word orphan, and opinions about schooling may birthday boys...I think I have been doing a lot of thinking lately. It all started when Aaron and I started talking about baby #3. We started talking a lot about bio trying and adoption. We also have been looking at and talking about purchasing a new vehicle(I love our Sienna). Wesley was also getting our attention with his star (or lack of stars) chart. Bringing to our attention the need to wait a little longer for kindergarten. As we have been hitting all of these different cross roads there has been much conversations about choices and how are we going to choose to do things as a family. It sounds silly especially since we have been married for 7 1/2 years and have 2 kids. But I feel like we kind of have always went with what was familier. What our families did in the past and what made up our different cultures. This has always been fine especially since Aaron and I both come from wonderful families and parents who did a great job. As the boys have gotten older we see more and more that we don't fit the mold of our previous cultures and it is time to be creating our own.
What does this mean? well it means figuring out schools, vehicle purchases and even new holiday traditions. It means contemplating what our family can do that brings God the most Glory. It means relying on God to direct us in the path he wants to see us go.
Wow all that to start talking about budgets...It's funny I read back through what I wrote and it actually has nothing to do with what I am about to write about. As a matter of fact I feel like I should erase it except for the fact it would then become time I wasted writing it.
Oh I remember...I am asking a lot from my readers. Well I am going to do it again. I want your budget tips! Whether it is grocery saving ideas or coupon sights to making clothes last or how to make your dog food. I love that recently a family posted a way to make your own laundry soap. Aaron and I are going to totally do this. Once I figure out how to link a sight and I ask their permission I will connect them with this post. Genius! Plus I think they said it ends up costing about .01 per load. YOU CAN'T BEAT THAT! So send me your tips...
I felt really convicted about my spending tonight after watching some documentary on large families. One family had 15 children. The family income...just under....$40,000. Excuse me. If a family of 17 can live on that income then excuse me but Aaron and I should be with some money to save.
Now I am assuming they don't use cel phones..or do they? Any way Aaron and I have committed that once our contract is up in Feb. We are decreasing our plan Way way down. I have such a pet peve when people say they "need" a cell phone. I we are all still alive coming from a generation that didn't have cell phones at all. Not my area of weakness but believe me it is probably my only area of will power.
Internet well I am guessing they have internet and well I feel like with Aaron being a pilot and checking the wheather and filing flight plans it makes his life a whole lot easier. Do we "need" it? no. Is it a luxery we are willing to sacrifice for? Yes.
Satelight: we actually have down sized our satelight from $45 a month to $10. How did we do it? Well we called to cancel our package. When Aaron called to cancel the lady pretty much begged him to continue. He continued to say we were not interested and well when it was all said and done she offered us satelight for $10 a month for a year. He said okay. I don't blame him. Sad thing is we pretty much lost all man channels and I have all awesome channels like HGTV and TLC.
Now on to my part of the budget and the area we blow out of the water everymonth. You know the weakness I was talking about earlier. Grocery shopping, household item buying, gifts, and oh the ever famous...Justification purchases. You know the ones. You're standing on the aisle at Walmart. You have just discovered that they have Little boy Pajamas on clearance $5 instead of the regular $9 price. Then you notice that not only are they on sale but low and behold they are adorned with star wars characters and they still have one 4t left. Yes isn't this providential, I mean what are the chances of Walmart having a sale and having a 4t (insert sarcastic sigh). Does Wesley need new pajamas? No. Should the discussion stop there? Yes. He doesn't need them. It should stop there. Unfortunately it doesn't. No no my friends it is just beginning. He may not need them but he would LOVE them. Oh and if he had some new ones we could get rid of one of his old pj's. Or we could get these and have another pair because it always seems like he never has any clean. Well really folks the truth is 3 warm pj's is probably all he needs. We own a washer and dryer. Yep we do. It's just right down stairs. All I would have to do is use them. All this to say if I can ask myself does he NEED them and the answer is no the justifications shouldn't matter. Actually I should tell myself that if the justifications start it should be confirmation that I must be trying to justify a purchase that doesn't need to happen.
So anyways back to the point of this post that should not have been written 1 1/2 hours after my bed time. (I apologize for the rambling). I am putting myself on a budget. $650 a month. $300 of that is our food budget and $350 is everything else(Not actual bills). Those are Aaron's jurisdiction. This means in that I have to buy Christmas, household items, clothes, haircuts, shoes, dates, babysitters, misc. gifts, Etc. It seems like enough but I am wondering if it is going to be harder then I thought.
So send me your money saving tips. PLEASE!!!

4 comments:

Janice said...

wow, I would sooooooo like to have good advice for you! Instead I feel like the more I focus on one budget area (say groceries) the more other parts go out the window (say buying on sale pj's because hey, I'm doing great with money this month!) I'm looking forward to reading actually helpful comments! :)

Susan, Wife, Mother, Teacher, Early Interventionist, CLC, Doula, Family Herbalist, Student Midwife, and more said...

It can be done. I have 6 kids with another on the way. My family makes it with an income under $40,000 a year. I even still have two in diapers still. It's all about priorities. Check out my blog. www.thelifeandtimesofsusanbetke.blogspot.com

"Are These Kids All Yours?" said...

Have loads on our site, but here are a few...
always take drinks and snacks with you...buying them at a gas station is fatal...
eat in as much as humanly possible..or take sandwiches to eat on the go....
we do home made baby wipes, we do the made laundry soap (and yep a penny a load), we have also started making bread a lot more- way more yummy and better too- very cheap,
we make a list when going to the store- so we are not as tempted to buy other things,
we only buy clothes 2 times a year when it starts to get warm- we buy some warm clothes that are on sale in bigger sizes than our biggest boy and girl sizes, when it gets colder we get some of the bigger boy and girl sizes for boys and girls...(there are rare exceptions, but not many- mostly shoes which are hard to do without)
We buy used!!! Yeah for e-bay and thrift stores:) Hey support the Salvation Army and get a bargain!!!
Try replacing your rinse agent in your dishwasher with just straight vinegar- easy and it works too!!!
We also clean with vinegar- yep it smells for a matter of a few minutes, but it is sanitized our kids can use it, and when the smell disapates- it is a fresh smell not overpowering chemicals.

So those are a few- and it can be done- we have 7 soon to be 8 and our salary is under 40 too...

Even if you start with some tips and go from there and add one or 2 more every month. It is a great habit to save in different ways. You are teaching your children that living doesn't have to be expensive. You have plenty of fun doing it too- our kids love getting involved in helping :)

Brian and Heather said...

I second buying as much as possible used. I've found great deals such as Ann Taylor Loft, Gap, Pottery Barn etc at our local Goodwill. Buy cards, gift bags, etc. at the Dollar Store. Check craigslist for anything else you need. We have saved a ton of money from buying used items there. We also go to yardsales, and borrow baby items and other things we won't need forever from friends. It's become sort of like a game to see how much we can save and how much more we can give as a result. Best of luck!