Heavenly Homemakers

Encouraging women in homemaking, healthy eating and parenting

How to Keep a Good Attitude While Being Debt-Free

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Sometimes being debt-free isn’t much fun.

When I look around at the world driving nice cars and eating at nice places and going on nice vacations I can get discouraged. But then I remind myself that I am choosing this! (And then I also remind myself that 80% of Americans are in credit card debt.)

“I’m choosing this!” is more than just semantics. That little phrase can change your life. Hear me out: If you’re on some kind of diet that doesn’t allow cake, it’s only because they didn’t know about Laura’s cakes. (Like this Low sugar Strawberry Cream Cheese Cake or this Low Sugar Banana Cake.) But let’s pretend you’re not eating cake because a diet book told you not to. So now you’re sad about not eating cake, and you sigh and feel bad for yourself because you really want cake and it’s all somebody else’s fault for deciding that high sugar and processed fats and carbs are unhealthy and you struggle with attitude problems every time you are put in a cake situation.

Let’s not blame the cake.

What if you turned the whole thing around and told yourself, “I’m choosing this!” Nobody is forcing me to give up anything. “I am choosing to make better food choices. Eating healthier options is my choice! I don’t even want all that cake because I know what’s in it, and it’s nothing good!” And then you can use your freshly ground flour to make your own densely nutrient cake and you can choose to have your cake and eat it too.

What if you wanted a new car instead of cake?

Something my husband and I have embraced the last few years of paying off debt is “We’re choosing this!” We are choosing to not spend money so that we can use it for other things. We could choose to not pay our bills, but then the electric company could choose to turn off our lights. If we choose to ignore our mortgage payment, the bank will choose to take our house. See how this works?

There are exceptions to everything.

I do understand there are times when life spirals out of control and things you had carefully planned fall apart. My sister was in a car accident years ago and was left with over $40,000 in uncovered medical bills. Sometimes the job situation doesn’t work out, I get it. But for the vast majority of Americans we have put ourselves in our own financial messes. We made the choice to move out of our tiny apartment to buy a house we really couldn’t afford. And we had such fun in that house! But if you give a man a house he’s going to want a dog to go with it… and a lawn mower and snow shovels and two cars and another phone and the internet and a video streaming plan and a grill and… and… before you know it, the $9/hour secretary job just isn’t enough.

We absolutely love being debt free.

I haven’t always had a great relationship with money. I would get so mad at people who said, “I can’t afford…” and yet they lived a lifestyle that said differently. But then I found myself saying, “I can’t afford…” and I realized it’s all in perspective. We made a combined total of $8000 our first year of marriage. As we worked more and made more we bought more and being debt-free wasn’t as much of a priority because we didn’t even know where the money was going. When I sit down and look closely at the choices we’ve made the past 12 years of marriage I can see huge financial mistakes we made that put us back. With each raise we started living just a little more comfortably. And that’s okay! That was OUR CHOICE. But to then go and say, “Well, I can’t afford…” doesn’t really make sense.

Being debt-free sometimes means making the choice to nail shingles on your own garage.

I’m choosing this.

When I say, “I’m choosing this.” It brings ownership back on my shoulders. Playing the victim isn’t possible with that phrase. I am choosing to save money! I am choosing to pay extra on the mortgage! I’m choosing to do family birthdays differently. I am choosing to live beneath my means because I have something better in mind for later. Here are some choices we’ve made and continue to make because we absolutely love being debt-free: Paying the internet bill instead of keeping chips on hand. Putting gas in the car instead of going out to the movies. Finding extremely loved used vehicles instead of buying new clothes for everyone in the family. Living in a 600 sq foot home until we got a better paying job in another state.

Being debt-free sometimes means making the choice to watch the sunset on a beautiful date on the prairie.

You get to choose!

I am giving you a phrase that has the power to completely change your outlook on life and money whether you are debt-free or not. “I’m choosing this!” You get to choose and you don’t have to be ashamed about it either. I am (97% of the time) not ashamed about the vehicles I drive because we bought them on purpose. We used to buy them on purpose because it was that or nothing. Now we buy used vehicles on purpose because we have really exciting plans for our money.

What are you choosing? Are you pleased with your choices?

My intention is most definitely not to make you feel bad about yourself or your money, but the opposite! If you find yourself feeling sad and thinking, “I can’t afford…” try pepping yourself up with a little “I’m choosing this!” attitude change. It could rock your world. And then go make cake. Because cake is yummy and actually quite affordable.

Laura’s friend Tasha is passionate about encouraging women. She’s a homeschooling mamaX4 who loves to make silly faces in the mirror with her toddler. She and her husband Ben have worked hard to be debt-free (except for their mortgage) and try to choose people over things everytime. She can be found playing on Instagram @hackettacademy and @heavenlyhomemaker and has too many hobbies to name. Most recently she’s been making chocolate cake for breakfast and sending her kids out to pick asparagus for lunch.

 

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Simple Way to Actually Save Your Cash

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Wish you could actually save your cash instead of spending it? I love this helpful tip from Tasha!

Simple Way to Actually Save Your Cash

by Tasha Hackett

Saving cash sometimes doesn’t seem like much fun. Paying off debt was fun. So much fun? Yes. So much fun. We celebrated little victories all the time. “Yes! Another $1000 down!” or most often, “Another $50 sent off!” Woo-hoo! Paying off debt was so much fun, that we really don’t ever want to do it again. Therefore, saving cash for our next projects is almost as much fun. But, Tasha… How!?!?! How do you find room in your budget for all that extra cash?

There goes that “B” word again. That budget is a fantastic thing. If only I were disciplined enough to keep to a budget! Even after all these years, I’m still not super great at keeping one. If I want to buy a book for myself, and I do so love buying books for myself, I will usually buy it if there is money in the bank. My secret Pay-Off-Debt or Save-Up-Cash plan is simple:

Put the cookie jar on a higher shelf.

If you like to eat cookies and you’re sitting next to a jar of them, you are much more likely to eat them. If you take that cookie jar, place it up on a high shelf with a door that locks, it’s going to be a lot more work to get a cookie. Oh, you can still have one. But you’re not going to be able to sneak one as you walk through the kitchen on the way to the laundry room. You with me?

How badly do you want a cookie?

Just imagine! You have to go all the way to your underwear drawer to find the keyring with all the little keys, and then get a ladder and set it up, climb the ladder, carefully open the door, remove the jar, etc. I do like cookies. But I’m also a little bit lazy. So I don’t eat so many that way. And I surely don’t have kids asking for one all the time because not only is the cookie jar a lot harder to get to, but the kids don’t see it sitting there on the counter full of cookies! Not only does it have cookies in it, but it gets more put in every payday! (Because, in case you’ve forgotten I am talking about saving cash and not cookies. How silly to put cookies in a locked cupboard. Cookies are meant to be eaten… especially on the way through the kitchen to the laundry room. Especially these Super Soft Chocolate Cookies and Giant Breakfast Cookies and Sweet and Simple Cranberry Cookies.)

Saving cash is better than saving cookies.

Please don’t save the cookies. Eat them! You get a cookie! You get a cookie! Everyone gets a cookie! But the cash, we should be saving up some of it so we can buy the things we need. Like a new-to-us 1997 Buick, or a huge trampoline for the kids to work out some of their energy before they come back in for more cookies OR even possibly the down payment for the construction loan for the house we’re going to build next spring. (Yay!!!!!!)

No, I don’t lock my money in a cupboard.

I don’t have hoards of cash in my house. And if I did, I wouldn’t have just told you where it was. Sheesh. Simmer down, folks. But here’s the secret plan. You ready for it? Bank Transfer.

I actively take the money out of one bank and I electronically transfer it into another bank. Are you scratching your head wondering how this is helpful? Bank #1 is easy to access. I have a checkbook to Bank #1, I have a debit card for Bank #1, I have automatic payments and subscriptions, Paypal, and electronic payroll deposits go into Bank #1. The other account is difficult to get to: No check-books or debit cards. If I want money from Bank #2 I have to walk into the bank and request cash or transfer the money to Bank #1. (Warning: This is a terrible long-term savings plan. This is for funds you wish to access within a year.)

Here’s how we stash cash fast.

(Say that 10 times. I bet you can’t. I tried, I made it to four.)

Work (If we are paying debt or saving, we work some extra and hustle.)

Get paid

Deposit money into Bank #1

Budget for what is needed: Bills, Food, Gas, Clothes, School, etc.

Anything extra, no matter how meager, immediately transfer from Bank #1 to Bank #2

Congratulations! You just put the cookies out of reach

Repeat forever and ever amen. (Or until the cookie jar is full.)

Buy the thing with the cookies, I mean cash

In conclusion, stash the cash before rather than later. If I have an extra $5 hanging around, it will turn into a cookie and I will eat it.

How do you save money? Am I the only one who has to lock up the cookies on a higher shelf?

Tasha sitting at sewing machineLaura’s friend Tasha Hackett is a book writing, dress sewing, fitness coaching, instagramming, homeschooling mama of four. Whew! Sometimes she tries to do it all and then remembers she’d rather rest on a blanket in the grass and read picture books to her kids. When she’s not guest blogging here she can be found sneaking cookies instead of folding laundry, sewing instead of cleaning, writing instead of cooking, and reading aloud instead of teaching math.

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Top 5 Birthday Budget Tips

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This post may contain affiliate links which won’t change your price but will share some commission.

Ready to read Tasha’s Top 5 Birthday Budget Tips?

Can you have a great birthday on a budget?

Duh! Of course. Okay, but really, when your family is used to something and things and times are changing (like being stuck at home during a pandemic), how do you have a great birthday? Perhaps you’re starting a new budget that doesn’t include extravagant gifts, what do you do?

Peter is one

My youngest just turned one. (Yay!) We celebrated him ALL DAY. Peek-A-Boo was played as often as he wanted. We snuggled and snuggled and snuggled. We served pasta (his favorite) with Easy Chocolate Fudge Pie (his favorite). Lighting a birthday candle was a highlight. (He loved it, we blew it out and lit it multiple times). We gave high fives (his favorite) and Pound It! (his favorite), we sang Happy Birthday at least 20 times throughout the day. We danced with him (his favorite); the kids and I got down and crawled on the floor. We cheered and laughed and clapped when he took five steps! He is loved and he knows it.

Baby in bath

This is how much he loves homemade chocolate pie!

Oh, and did I mention, we didn’t buy him a thing. Not a single thing. It was a great example to my other kids how we can have birthdays without presents.

“He was one, so it doesn’t count,” you say.

What about the big/little kids?

Another turns eight this month, his day will look entirely different. He can play a mean game of Peek-A-Boo, but it’s not his favorite. He might notice if he doesn’t get any presents. For him, I’m thinking Lego challenges as a family (he will win because he’s amazing), a one-on-one donut (take out) date with Dad (his favorite), a walk around town just the two of us (his favorite), charades, crazy-silly LOUD dance party (his favorite), hide-and-seek (his favorite), tag, all the popcorn he could possibly eat (his favorite), a show, and a family slumber party in the living room (his absolute favorite).

Notice a favorite trend here?

We’ll talk in advance about some of our plans so he’ll know what to look forward to. His siblings and I will pick out one gift together, (new drawing pens and notebook) but we don’t want that to be the focus of the day.

Here are the top five things I’ve learned about money and stuff and birthdays.

1. Budget, Budget, Budget.

Fancy word for: Set aside. Take some money each payday specifically for buying gifts and throwing a party and set it aside. Budgeting doesn’t mean not spending money, it just means you know where your money is going. Budget whatever makes sense for your family. If you love to buy expensive gifts, that’s your choice! (And can I be your friend? I’m super into kitchen appliences and tennis shoes with super cute summer dresses. In case anyone was wondering.) Just make sure the money is there for it.

2. Kids are stronger than you think.

They don’t need stuff to be happy. (And neither do we, except for blentecs and robotic vacuum cleaners. *Ahem*)

My oldest was crushed after a hard conversation about what he wasn’t getting for Christmas. I felt terrible. The thing he wanted just wasn’t in the budget, it wasn’t something we wanted in the house, and it didn’t fit with what we were trying to make Christmas about. He was sad for half a day and he got over it. Whoop-De-Do.

Therefore, I give you permission to not feel guilty about not buying more stuff. Permission granted to feel wonderful about making great memories. You know your child better than anyone, let the day be about him, not about what you bought. Decide ahead of time something to do instead.

3. Plan ahead.

Talk about expectations of the day as a family well before the event. “We are going to celebrate you by…doing all these fun and awesome things that are your favorite… so there won’t be many wrapped up presents this year.”

Focus on what you will be doing, not what you’re not doing. What does she like to do with you? Can you spend the whole day just enjoying her? Brainstorm with the whole family ways to celebrate and make memories. This can be extravagant budgeted excursions or completely free. (Mamas, unless your man is really into planning things, I give you permission to plan your day and let your family know what you expect of them. Be Specific. If you want breakfast in bed, it might be a good idea to make it ahead of time and show your people where to find it. I recommend something good eaten cold, like this Straweberry Bread.)

4. Life does not consist in an abundance of possessions. (Luke 12:15)

Can I get an Amen!? I need a large poster with this verse. After living a few (many) years on a spending lockdown, when we finally had a bit of cash, I fell into the habit of buying all the things I thought I needed. Remember my Amazon addiction? I did the same for the kids. Suddenly because I could buy stuff, I did. And you know what? They weren’t any happier with the stuff than they were without it. More stuff doesn’t change our hearts and our relationships with others and our relationship with God. We know this, and yet we all fall into a consumerism trap from time to time.

5. Life is more than food, and the body more than clothes. (Luke 12:23)

Not to take this passage out of context, Jesus wasn’t talking about birthdays OR WAS HE? It totally relates! A child is more than a party, and the birthday more than presents. A present does not a birthday make. (Does everyone hate me yet?) Planning fun activities is more work than buying stuff. (It can be so. much. work.) Trust me, I know what it’s like to have zero energy to organize and throw a party. Sleeping through the night is a luxury these days. Homeschooling little ones who can’t even read?! You’re 5 already, get with the program! (Kidding. I’m kidding.) Whew. I do have to keep this house from falling apart, too. Laundry and dishes and sweeping. Sometimes we even mop! (You know, when somebody brakes a glass full of milk.) How am I supposed to plan a party for a bunch of 3-year-olds?!?

And then I am reminded that life is more than food and the body more than clothes. Being happy is better than being perfect. Last December, my 7 year old was SO FOCUSED on what HE was going to GET, that he could hardly enjoy anything else about Christmas. We are making some changes in our house this year and not because we can’t financially afford to buy presents.

I still want birthdays to be something special.

Truthfully, I used to worry about birthdays because I wanted them to be special and wonderful, but I couldn’t afford to buy nice things. Now that we’ve paid off a bunch of debt, we can afford stuff and I realize we don’t need ‘em. Most of the time I don’t even want it! (Correction. I want new shoes. Shoes are great. I bought three pairs this month and I’m ecstatic. First new shoes I’ve had in 18 months. Somebody send help!) More stuff is often more mess and therefore more work. Then we have to spend even more time clearing out our junk and decluttering.

If you are a Heavenly Homemakers Club member, Laura has put together so many great ideas for celebrating your people. Look under FAMILY TIPS and browse her ideas that make sense for your family. Trip ideas, experience ideas, party ideas. You don’t have to come up with a plan for your family all on your own. Much of the work has been done for you!

I challenge you to find ways to really celebrate and love your people individually. You get to decide what that means. You can spend lots of money, or none of it, but in my experience, I have found the price tag doesn’t correlate with the success of the day.

Answer in the comments: What do you like about the way you celebrate? What would you like to do differently? Do you have a favorite childhood birthday memory?

tashaTasha, friend of Laura, and fellow homeschooling mama, lives in the middle of America and does her best to keep the floors clean. Hahaha. Her kids are currently one, three, five, and seven. When she’s not writing for Laura she can be found on Instagram @heavenlyhomemaker, sneaking Jalapeno Cheetos, painting with her kids, pretending she likes to garden, and watching Star Wars with her husband.

 

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Should You Give Kids an Allowance?

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Should you give kids an allowance? That’s a great question with many different opinions!

I’m not going to answer with a simple yes or no. But I will share with you what we’ve done!

Why should you listen to my advice? You maybe shouldn’t, simply because every family is different, every kid is different, and there are many ways to handle allowance and teach your kids how to handle money!

My experience spans 22 years of parenting. Our oldest son, the 22-year-old, is a great money manager, as is our 20-year-old, our 18-year-old, and our 15-year-old. Some of them are a little more willing to spend their money on occasional splurges while some of them much prefer more padding in their savings accounts. But what I want to say is this: The way we handled allowance with our kids when they were little and as they became big? It worked.

But ha, there’s more! God blessed us with Bonus Boys!! So we’ll be starting this method all over again with our six-year-old and later when our 1-year-old “comes of age.” Seems it’s a good thing I’m dusting off this old trick so we can use it all over again in a few months!

Should You Give Kids an Allowance?

We did give our kids an allowance – for a time.

When they turned the magic age of 7, we started giving our kids a whopping $4/month, which usually equaled $1/week. (By the way, we tried it when our oldest turned 5 but found he was a bit too young to understand saving and spending concepts we were trying to teach.)

We made this allowance-giving experience kind of a big deal by presenting them with a brand new wallet on their 7th birthday. Then we gave them 4 one-dollar bills to put inside their new wallets – beautiful pieces of green to an eager 7-year-old!

While we’d already started talking about simple money spending and saving concepts long before they turned 7 – this is when we started giving them more responsibility and freedom. Why?

So that they could begin to learn how to manage their very own money.

$4 isn’t very much. But we found it didn’t take much to help them learn some basic healthy money skills.

It is worth noting that we didn’t require them to do chores in order to earn this $4 allowance. It was simply a monthly allowance. The chores?? Oh, they did them! They just didn’t get money for them. And they didn’t even know they were called “chores” ha! (I learned this one day when they were at a friend’s house and they shrugged when their friend asked what chores they did at home. “I don’t know. We don’t have chores.” The friends were so jealous…until I cleared it up that my kids helped around the house all day long, we just never called this kind of family teamwork “doing chores.” But anyway…)

We didn’t set up specific guidelines for how they were to go about using their $4 allowance. We simply offered guidance and talked them through options for how they might enjoy their new money freedom.

  • We let them know that the money they gave at church would now be from their own wallet instead of from ours. Usually, we helped them break one of their dollars into 4 quarters so they could give one quarter each week. They BEAMED when they put their very own quarter in the offering plate!!
  • We helped them recognize more about the cost of items from the store. Our kids already knew by then not to ask for “things” when we shopped. But now we were able to say “you can save your money for that if you’d like to buy it” if they saw something they liked while shopping. Often the desire for said “things” would fade quickly when they realized how long it would take to save for the purchase. So they began to learn more about saving and investing in what truly meant something to them.
  • We emphasized how nice it is to save money for bigger needs or desires. If our kids would have chosen to spend their entire allowance money amount each month (after setting aside some for giving) – we would have let them. But would you believe – not one of them ever did. It took very little time for them to learn the joy of watching the stash of dollar bills grow in their wallets.

Every once in awhile, one of our little allowance-receivers would spend a dollar here or there on a dollar store item. This was fine and fun and good for their learning experience too! We always talked about a purchase before taking the plunge!

But I believe they had learned from our example of being more of a saver than a spender. We don’t buy stuff for the sake of buying stuff. And so their money-saving mindset began.

How long did we give our kids allowance?

We gave our kids an allowance until they started earning money in other ways.

About the time $4/month became a laughably small amount to our sons – around the age of 10 or 11 – we continued the monthly allowance. But as soon as they found ways to earn money, the allowance allotment stopped. They didn’t complain about this because they were now able to earn $10 on one Saturday morning by reffing a youth soccer game or by mowing a lawn – so they were getting much more than a tiny $4 allowance!

In addition, by that time, they had learned the very basics of money management – our very reason for giving our kids an allowance. By the time our boys started to find ways to earn money, they had a strong sense of ownership and the beginning of wisdom when it came to saving, giving, and spending.

So should you give kids an allowance?

I can’t give you a firm yes or no. But I will tell you this: We’re glad we did! And we’ll do it again when Brayden turns 7.

At this point, he and I talk often at the store about how we spend our money and how we make purchasing choices. He’s catching on quickly – and as much as he already loves putting coins from our pockets into the offering jars at church (specifically earmarked for children in Ecuador!) – I can’t wait to see how much he loves using his very own money!

How have you handled allowance at your house?

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How to Have Stress-Free Christmas (Hint: START NOW!)

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Is it possible to have a stress-free Christmas? Yup! Tasha shares how!

Hey Everyone! Tasha here. I wrote a Christmas Budget script for us to read together. I put on my brown tweed blazer and I was immedietly inspired. (The equivalant to my thinking cap, because it’s winter in Nebraska and cold in my house; not just because I think it makes me look like a sophisticated Mommy-turned-naptime-writer.) This play will be a hit! Someday you’ll see it on a marquee and you will stop and take a picture and tell all your friends, “I know the girl who wrote that!” and it’ll be grand.

Naptime writers unite! I promise wearing a blazer makes you legit.

The Best Financial Christmas Story Ever

Enter Tasha and HH Reader

Me: Christmas is coming soon! Only 300 and something days left! I can’t wait to start my Christmas Budget.

You: Tasha, no… please stop. It’s February.

Me: I know, right?!?! Only ten months left to plan. I’m so excited!

You: Tasha, you’re out of control! Nobody wants to plan Christmas right now. We’re so DONE with Christmas. I mean, really. Some of us haven’t even taken the decorations down.

Me: Yikes! Better get on that. But really. Let’s talk about Christmas for this year.

You: Do we have to?

Me: Yes.

You: No.

Me: If you trust me, I promise to deliver the most stress-free, relaxed Christmas you’ve ever had in your life before. It’s simple and easy.

You: Mmmmk, keep talking…

Simple and Easy Christmas Budget

Me: Whew! I’m in! [Wink to audience.] Okay, so here’s the sitch: According to multiple sources, Americans are in BIG credit card debt, and many of them, perhaps you, will be paying for Christmas well into the summer months.

You: Well, yeah. I want to Go All Out for the Holidays. How else can I do that?

Me: By starting now, or preferably last month, in January. The best way to spread Christmas cheer is singing loud for all to hear, and by deciding how much you are going to spend and start saving for it now. Tada! That’s the plan.

You: But how do I know how much I’m going to spend?

Me: That’s a tricky one. A good amount to plan for is one percent of your total income. $500 is 1% of $50,000. Can you spend more than 1%? I don’t know, can you? Here’s an example of my Christmas budget:

  • Immediate family gifts at approximately $30 each = $180
  • Extended family gifts, make or buy $10 each = $160
  • Gifts for 11 little cousins, make or buy $5 each = $55
  • Special and delicious holiday food: $200
  • Extra Gas for travel: $200

This brings me to: $795 / 12 = $67 a month to save. This is way over the one percent guideline for our household, but spread out over 12 months it’s doable. In past years when we were on an extreme budgeting plan we spent a total of $300 for Christmas. That covered, gifts, food, and most of it went to travel costs to see family.

Gifts for everyone?

You: 16 extended family members and 11 little cousins to buy for? Really?

Me: Buying or making presents is a choice. I like to do it, it’s fun to make something or find a little something special for each person.

You: How can you find anything of value for $10? Giving junk Christmas gifts is never appreciated.

Me: True, so glad you asked! Part of the joy of planning Christmas right now, is that I have a list of everyone I need to buy for in my planner, and when I’m out and about during the year, I will pick up something wonderful and special and unique for the right person at the right price. We love Christmas shopping at summer yard sales. I have found beautiful china tea cups for $1 and quality Melissa and Doug toys for cheap. Thrift stores, antique shops, yard/garage sales… all places to go Christmas shopping throughout the year. When you wait until December to buy your presents, it’s almost too late, my friend.

One year we made the little cousins a huge batch of homemade playdough with sparkles and Christmas smelling oil: $5 for 11 kids. That’s 45¢ a kid! For something they really liked! They played together with it for hours throughout the weekend.

This is how we do snack time with 8 little kids in the house for the holiday.

BUT… I have a secret. Because I am so wise, I also cheat the budget for Christmas. If you want to go all out, like Laura, and you wrap up socks to put under the tree, don’t take that out of your Christmas budget!

Ways to cheat the budget when it comes to Christmas

Me: Your monthly budget should have an item line for Clothing and Shoes, or maybe even another for Athletic Gear. If I buy socks to put under the tree, that will come out of the Clothing Budget. If I buy a tennis racket to put under the tree, that may come out of the Athletic Gear or School Budget, if I buy a lovely book of poetry and a globe, that will come out of the School Budget.

So that covers the Christmas money issue. Please don’t go into debt for the holidays. You’ll thank me next June. Decide how much you’re going to spend and save up for it throughout the year. That’s the only way that makes sense to me. I don’t know about you, but I don’t have an extra $500 (or more or less) sitting around in the bank during the month of December.

As a result of awesome budgeting, my Christmas contains a complete lack of stress and guilt. I don’t feel guilty for spending money I shouldn’t have spent. I’m not stressed about having enough in the bank to pay the high winter utilities. There’s enough to do for Christmas, like play games and eat food, I don’t want to waste my limited energy worrying about money.

You: I think your script is terrible. It’ll never see the stage. But thanks for the budget tips.

Me: Well, you can’t win ‘em all.

Exit.

Standing ovation. Amiright? No, of course not, you’d spill the Warm Pumpkin Custard Drink you’re sipping. I get it. It’s one of my favorites too.

Hey, while I have you here. I’m sure you’ve heard by now, Laura went and started her own club. Have you joined? I LOOOVE the recipe organization and all the included Homeschool resources. Meal planning is a breeze. A BREEZE. Not like a Nebraska winter wind that makes you cry because you live in a place where the air hurts your face. No. Not like that. Just click, browse, click, browse, click, print. Done. That’s how I do it anyway.

#WhatsForDinner

P.S. In case you’re wondering, I’m having a version this pot pie for dinner, except I’m using shredded pork because it’s what I had on hand, and a bag frozen mixed veggies instead of all that pesky chopping. It’s ironic because Laura also tried writing a script in that recipe post? I think mine is better, yea? What’s your vote? And do you have a Christmas Budget?

Heavenly Homemaker's Club Members: Access your homepage and all your fantastic resources here! Not a member yet? Please join us!

How Tasha Paid off $49,000 in Two Years on a Low Income!

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You are going to be so inspired to read about how Tasha paid off $49,000 in two years!

Hi guys! It’s me, Tasha.

My Kentucky roots are urging me to say, “Hey y’all,” but I’m not sure if my northern friends could handle it. I’ve been budging in on Laura’s blog for a couple months now. I’m the one who feeds her kids a dry crust, likes to set goals, had an Amazon addiction, paid off all the debt and wants you to know that God really really loves you.

I can’t wait to share with you the wonderful things I’ve learned on this crazy Get-Out-Of-Debt journey! I’m going to start digging into how we paid off (for us) big debt with not-so-big income.

I’ve deleted nearly 10,000 words trying to get this out; you’re welcome. The problem is I keep getting distracted by all the things I want to tell you! I want to write the right story. I want you to hear what I’ve done here and see over the sea of words as I explain the sun to my son and teach him the joy of homophones. Sorry, what was I saying?

How Tasha Paid off $49,000 in Two Years on a Low Income!

No really. How did we live on half our income and give away $49,000 in two years? ($29,000 the first and $20,000 the second.)

  • BY NOT GETTING DISTRACTED
  • SETTING A GOAL AND STICKING TO IT

We decided what we wanted to do, we made a plan, we wrote it down, and we stuck to it. It was the theme of the year. For two years.

Deuteronomy 6:7-8 says, “Impress [the old covenant laws] on your children. Talk about them when you sit at home and when you walk along the road, when you lie down and when you get up. Tie them as symbols on your hands and bind them on your foreheads. Write them on the doorframes of your houses and on your gates.”

We were this intentional with our goal for financial freedom.

Ben and I lived and breathed financial freedom. “Ramsey says…” was perhaps the most used conversation starter at our dinner table. I was going to use the term, Laser Focus. But no, our focus was broad–it encompassed every facet of our lives for two years. We had floodlight intensity.

Our “drastic” first step was to cancel our internet service. Yes, Ben was taking online courses for his MA degree at the time.

As it turns out, the library has internet! For Free! Here’s the basic line-up of what we did:

Eating out? Nope. If we did it came out of the grocery budget. Yikes!

Groceries and Household? $200 a month, with $50 extra for buying All The Butter if it went on sale. Oatmeal was a staple. I could stretch a pound of beef for three meals, but mostly chicken was on the menu. Neighbors are always trying to offload extra garden zucchini and tomatoes. I didn’t buy blueberries. Cream cheese was a treat. I made use of Amazon Subscribe and Save to get 15% off many household items. Sometimes this may have actually cost $1 more than an off-brand at a store, but the time and gas it saved me was worth it. I read recently the average shopper spends $18 to $37 extra on impulse buys every time they go grocery shopping!

These three tagalongs did not eat much at the time.

Dates? One pre-planned show for a highly anticipated film. Many pre-planned home “dates” and free entertainment excursions.

Christmas? Saved $25 a month leading up to December to cover the special food and travel. Our two babies (4 yr and 2 yr) at the time enjoyed homemade gifts and were just as grateful.

Cell Phone? Just one.

Birthdays? Averaged $10. So many fun experiences!

Tithe to local church? YES. Give to Caesar what is Caesar’s and to God what is God’s.

Coffee Shop? $2 once a month when I met with friends.

Vehicles? Paid for. Budgeted $50 a month covered yearly taxes and insurance for both. We drive the cheapest we can find that are still reliable. 1990 Buick is the way to go.

Vacation? Saved $150 a month, camped with the kids multiple times and took an adult only $1000 trip to Denver. Spent six nights in an Airbnb, hiked, relaxed, breakfasted at one delicious French Crepe restaurant, dinner at one 5-star restaurant, other meals from the grocery store.

Beautiful hike just the two of us! I thought I was suffering from severe altitude sickness for five days before taking a pregnancy test! Hello, Baby #4!

Other Gifts? This one was hard. When your kid gets invited to a birthday and begins to notice that other kid getting a bunch of presents when he had a perfectly happy birthday without the presents and now questions why he didn’t get a bunch of presents…. Our standard was to give a lovely hand-made card to the child offering a ONE DAY OF FUN for a playdate at our house. We would arrange afterward with the parents, we would pick up the kid, have special activities planned like a sprinkler or a trip to the park. Everyone had fun without feeling jilted.

Side Hustle? Yes! I took in sewing jobs and alterations for prom dresses, etc. Ben worked early mornings at another job.

Heart Change? Yes. God said, “I am Enough.”

You could take this action plan: Pay off $$ by a certain date. Don’t buy stuff. Don’t go anywhere. Don’t do anything. Work more. 

{Haha, I’m dying with laughter over here. I’m of the generation that doesn’t know how to have a written conversation without emojis so this is a struggle for me. I’m laughing-with-all-the-tears.} That plan sounds terrible! That’s what we did, but it was way more fun than it sounds.

We didn’t buy a bunch of stuff because God helped us see that He was enough and to find contentment in Him. We didn’t go places without intention. We did lots of things that were free and affordable. We did have a zoo membership and a pool pass and packed lunches on days we went. We did spend hours at the park and invited friends over to play and grilled hotdogs and danced in sprinklers and listened to music really really loud. We did work more, quite a bit more with multiple side hustles, but God’s peace permeated our financial goals those two years.

Is this the face of a boy who wishes his parents spent more money on him? I see pure joy and childhood bliss.

Don’t be Discouraged!

If reading through our story has brought you more discouragement than hope, chin up! If getting out of debt is something you yearn for please please please take this up with God. Ask him to show you how, ask him for his peace and discipline. Perhaps you really can live on $20,000 for two years and bust it out! But perhaps you are in a place where that is not possible. I really do believe that if you listen to God telling you that He is Enough and lean into him, you will find peace and perhaps a few extra thousand dollars. I have a friend that pays the minimum on all the loans and then an extra $50. That’s a great start!

What about you?

How can I encourage you in your journey? What questions do you have that I can address? What would you like me to cover? Would you like to know actual numbers for our current budget?

I want to hear from you!

P.S. No really. I want to hear from you. Comment below and tell me what’s the craziest thing you ever bought on accident. Mine is face cream for $145 from a mall kiosk during year two. After reading thousands of words of my financial journey, can you believe I spent $145 on a tiny jar of lotion? I don’t know what came over me. Your turn!

 

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One of the Hardest Grocery Budget Questions I’m Ever Asked

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A few months ago I shared about my family’s current grocery budget. Some of you felt a mighty relief that you weren’t the only one spending so much each month to feed your family . But others of you fell over with shock. (Sorry ’bout that.)

Before I get too far in to today’s post, allow me to catch you up on some grocery budget posts that will help you understand where I’m coming from here:

Long story short, we are a family of 6. We have four sons ages 19, 17, 15, and 12. Our oldest lives in the college dorm, but comes over from time to time (sometimes with friends). We almost never eat out, we don’t have cable, and we drive old vehicles. Our health care/insurance costs are amazingly low (praise the Lord!). But…we spend a boat load of money every month on groceries. Eeeeek!

groceries Lincoln

Almost every month, we fork out somewhere between $800-$1,100 dollars for food to feed our family. Yep, sounds a little scary to some of you. We used to get away with much less back when all four of our boys could share one apple for a snack and be fine until they ate their tiny little dinner.

Now it’s just not possible. Our four boys are teenagers now. They are tall. They are extremely active. We care about wholesome nutrition. Our grocery bill reflects all of this.

groceries725

One of the most difficult questions I’m asked by people is this one:

If you had to cut back on your grocery budget, what would you cut?

I open my mouth in an effort to answer, and nothing comes out. Of all our groceries, what would I not buy? What do I buy that’s a splurge that I could give up? How could I cut back?

Honestly, I’m not sure I have a good answer. I buy food. My family eats it. We waste almost nothing.

Okay, here’s one. Sometimes I splurge and buy juice. This is fun, but not a necessity. We could give that up, which would save, what? I buy La Croix sparkling water, and this is a total splurge. It’s a fun drink that I could give up. Again, this offers a savings of just a few dollars every month.

Could I (tearfully) give up on buying a grass fed cow every year? Maybe. But even with that, would I really be saving money? Buying our meat in bulk like this really cuts the cost down.

And speaking of cows, I really can’t skimp on the meat at our house, as far as quantity. I feed my boys plenty of rice, potatoes, and pasta to help fill them. But they never feel satisfied without substantial protein.

groceries 411

How about produce? The thought of cutting back on fresh or frozen fruits and vegetables makes me feel sick inside. Our bodies need nourishment from these, and I would hate to cut back. Fruits and veggies are a big part of our meals, and I believe the variety of nutrients they provide helps to keep my boys feeling satisfied, especially when compared to cheap crackers or whatever else I’d offer to fill in the gaps.

Also? I’ve already stopped buying “only organic.” I gave that up several years ago when I realized the cost was keeping us from eating enough fruits and vegetables. I buy organic when the price is reasonable, but otherwise, I trust that God is bigger and we just wash and eat the nourishing conventional produce. (I save a lot of money price-matching our produce, so I’m so thankful our Wal-mart still offers this!)

We already skip the milk. We buy one gallon each week (to use for cooking) from a local farmer, so it is organic and grass fed. But one gallon. For $5.00. It’s more expensive than store-bought, but the $20 I spend on milk each month doesn’t make or break my budget.

So I guess that brings me back to:

My family eats a lot of food.

That, and we feed extra people quite frequently.

Our grocery budget allows for including extras around our table regularly, and for that, I’m extremely thankful. I wouldn’t want to ever give that up, and God continues to provide so I don’t have to.

But truly, if I had to cut back on my grocery budget, I think my kids would be hungry.

Either that or I think they might get sick more frequently. There’s no way to know that for sure, I guess, but after so many years of filling them with nourishing foods, including a lot of fruits and vegetables, I really think their bodies are thriving on the nutrients. To cut back and substitute them with “filler foods” could potentially hurt them and make our doctor bills increase. Worth it? Absolutely not.

This is where I land for my family right now. If our income decreased and we would need to cut budget in order to make it, food would be one of the last things I would/could adjust. And I know, without a doubt, that God would provide for my family’s needs. He is God and we never need to doubt him.

If I had to cut back on my grocery budget

What are your thoughts on this topic? If you had to cut back on grocery spending, what would you/could you cut out?

A Freebie for you!

Here’s something exciting!

Want a recipe eBooklet full of my Top 10 Money Saving Recipes? Join our Heavenly Homemakers Savings Club, and we’ll send it to you for FREE! (Joining means we’ll also keep you informed of all the latest money saving groceries and homemaking items we come across. A win-win!)

Top 10 Money Saving Recipes

Sign up to join our Heavenly Homemakers Savings Club here.

Also for Savings Club Members, we just finished a project we started a couple years ago (no time like the present, right?).

Another NEW Freebie for you!

30 Real Food Money Saving Tips
If you’ve been reading here for a while, you might remember that about two years ago (I’m embarrassed that it’s been that long!) I asked all of you to submit your best ways of saving money on real food. I FINALLY compiled these into a fun downloadable resource for you!

This eBooklet is full of 30 Real Food Money Saving Tips. This resource is super practical and easy to read through. I bet you’ll find some ideas you hadn’t thought of before, some that you can work toward now, and some that might benefit you in a different season.

It’s free for all and it’s loaded with tips! Get it here —->

Sign up to join our Heavenly Homemakers Savings Club here.

What are your best ways of saving money on real food?

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Spend Money Wisely So You Can Be a Generous Giver

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If you’ve hung around here much, you’ve heard me sing the praises of both Budget Focus and One Child Matters. They are two very different organizations, focusing on two very different needs. I believe they are both very important and different as they are, I believe the two fit together perfectly.

How?

Budget Focus is a site created to help you get your finances in order. They help you set up a budget, spend only the money you have, avoid debt and climb out of debt, and find financial peace and security. What does that have to do with One Child Matters? Well, when you know where your money is going and how to wisely use your money, you are much more able to put your money toward important needs like One Child Matters.

Spend Money Wisely - Be a Generous Giver

I love One Child Matters for all the efforts they make toward loving children. I love that they work so hard to care for the needs of children. And I love that you and I can so easily be a part of this ministry.

Obviously, getting your finances in order means you can use your money in great ways that go beyond helping meet the needs of children in other countries. There are local needs all around each of us, our own family members and church family members have needs – there are many, many needs. One of the biggest blessings of being financially secure is that you are then much more free to give!

I encourage you to consider One Child Matters as one of those opportunities. Our family has been so blessed by our sponsorship to our little girl, Gladis.

If you’re in need of an online source to help you get your budget on track, please consider Budget Focus. This month, they’ve knocked down the price of their annual plan to make this possible for everyone!

How have you found budgeting to be helpful in your efforts to be a generous giver?

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$1.66 Per Month – How Much More Convincing Do You Need?

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I thought the prices at BudgetFocus were good already. But right now? They’ve knocked a huge chunk off the price, which means we’d all be crazy if we don’t jump on this.

For less than $20.00 for the entire year, which breaks down to a hair over $1.66 per month, you can have access to everything BudgetFocus offers. Their site walks you through setting up your budget, offers you an awesome online envelope system, helps you keep track of your spending, and provides you with great information and guidance. Do this. Feeling confident about your budget, no matter how much or little your income, is so beneficial.

This price will not be available forever. Get it now. Get your budget under control and organized. I can’t think of a better investment in your financial peace.

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A Happy Mother’s Day Discount From Budget Focus

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I’m pretty sure none of us really cares about being rich. But I do know that most of us appreciate financial security – the peace that comes from knowing that bills are paid and needs are met.

www.budgetfocus.com

This week, BudgetFocus is offering Heavenly Homemakers readers a lovely Mother’s Day gift:  They cut the price of their annual budget plan to just $19.95.

Did you do the math on that? That’s only $1.66/month – incredible! Buy this for yourself for Mother’s Day. Ask your husband and/or kids to buy it for you. What an amazing price on an amazing resource. I think you’ll really love their online envelope system.

Hooray for getting the budget in line so that you can live in financial peace. Happy Mother’s Day, and thanks BudgetFocus!

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