Heavenly Homemakers

Encouraging women in homemaking, healthy eating and parenting

$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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Get Your Budget in Focus With This Amazing Discount

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After so many of you shared within the comments of our BudgetFocus giveaway post your desire to get your budget on track, I am so excited to share this big discount with you!

First, our giveaway winners:

1) Kathy: sep101@
2) Melissa Miller: wareagle2989@

Ladies, email me and I’ll forward your info on for your free annual subscription!

And now, the wonderful discount.

I feel that the price options for BudgetFocus are already very reasonable. For as little as $5.00 each month, you’ll be guided through setting up and keeping a workable budget for your family. Now, with a special temporary discount they are giving Heavenly Homemakers readers, you can enjoy this service for as low as $3.33 per month! Isn’t that awesome?

Head over to BudgetFocus. Use the code HH33 to receive 33% off a 12-month plan. This cuts the price of an annual plan to just $39.99. What an amazing price on an amazing resource to get you on your way to financial freedom!

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Take advantage of this deal for just three weeks. I love the idea some of you suggested to buy this as a wedding gift to help couples get started on the right track with their finances. Whatever your need, BudgetFocus will take all the difficulty and confusion from budgeting.

Ready? Go!

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But Do You Need It?

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Recently, our two youngest boys came to me very excited. Something they wanted was on sale – today only! They had discussed it at length (a solid five minutes, I’m sure) and decided that they would like to pool their money to purchase it. They eagerly asked me if it was okay.

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See how studious these two are, always sitting still,
focused while carefully writing scripture? Mmmhmmm.

I had mixed feelings. The boring mom in me knew that they definitely didn’t need the item. But the fun mom in me knows it’s okay to spend a little money on fun sometimes. Our boys are all very good savers. They rarely spend their hard earned money or birthday money, and in fact, they rarely even ask to spend it. I knew that since they were asking, and since they’d already discussed how to go in on it together, the purchase was important to them.

So, the non-decisive mom in me said, “Let’s talk to Dad and see what he thinks.” Then the practical mom in me asked a thought provoking question:

If this item wasn’t on sale, would you still want it this badly? Or do you just think you want it because it’s on sale today?

It started a great discussion, which of course ended with the boys asking, “um, so can we buy it?” Clearly, I had been able to make my nine and twelve year old think deeply, and offered them life-lessons that they’ll take with them long into adulthood.

After talking it over with Dad, we came to the decision that since it was such a huge discount, and only totaled $5, their purchase sounded like a fun idea this time. While five dollars doesn’t sound like a big deal, and while it might seem that our dilemma and discussion was silly over such a small amount – we feel that every financial decision needs to be talked through, especially at their ages. Throwing money at this and that is a great way to end up with an empty wallet. We felt it was important to take advantage of that teachable moment.

So how about we adults? What factors into our decisions as we decide what to spend our money on? Do you frequently make impulse purchases, buying something that is on sale whether you need it or not?

We’ve been talking recently about budgeting and the envelope system as we all work together to let Budget Focus get our finances on track. I’d love to hear what helps you process your spending decisions. Also, I’d love to hear from those of you who have taken advantage of the free 14-day trial at Budget Focus. Have you plugged in all your numbers into their simple budgeting and online envelope system? I encourage you all to check out what Budget Focus has to offer. You can try it for free, and their pricing packages are worth paying for as a way to help you get your budget organized and running smoothly.

How do you help your kids make a purchasing decision?

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3 Reasons to Kiss the Joneses Goodbye

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This post is written by Craig Ford, writer at Money Help for Christians.

With their 2.7 kids waving to everyone from the front door of their perfectly manicured lawn, we sometimes idealize the Joneses next door.

But if you had a chance to peek into the Jones’s window, you’d find there are unpaid bills in every corner. Sure, they’ve got a lot of stuff, but they just don’t own any of it. There’s the constant pressure to buy the newest and latest products. The Joneses would barely make it if they made $30,000 per year or $130,000. They rush to work. They rush to the mall. And others follow suit.

The Joneses pay the price for it, and we will too – if we try to keep up with them. 

Pressure. Depression. Arguments. Stress. Unrealized expectations. Disappointments.

That’s why our family has kissed the Joneses goodbye. We’re not going to conform to the rampant pressure to earn more and buy more. Instead, I’d suggest that Christians should embrace a simple life where they live on less than they make.

The Benefits of Simple Living and Living Below Your Income

You are not dependent on a larger income.

When making big decisions, my wife and I often remind each other not to allow money to dictate our calling. As an example, we decided to work as missionaries before we knew what missionaries got paid. Yes, there are times when it is necessary to alter a course because of a money concern, but by living simply, money has less influence on our life decisions.

Some people feel ‘stuck’ in high income jobs because they can barely keep up with all the expenses already. The idea of following a calling and doing something that pays less is virtually impossible because they are dependent on that large income to support their lifestyle. As a result, they usually have to do a lot of things they don’t like to do because they can’t risk doing anything that might threaten their income.

Think of the possibilities that would open up if you learned to live off $30,000 – $55,000 per year regardless of your income. That means almost any profession is a possibility because of your lifestyle choice.

As an example, when a wife (or husband) is able to stay home, it is often because the family has learned how to afford living on one income, not by learning how to make more money. Many ministry-related occupations (missionaries, preachers, children’s home supervisors, Christian school teachers) are staffed by people who have embraced some form of simple living.

You have funds available to clean up any past financial mistakes.

None of us has a perfect financial past. However, those mistakes can be undone faster when you simplify your lifestyle.

As the gap between what you earn and what you spend gets wider, you will have more money to decide how it should be spent. The family making $60,000 but living off of $40,000 will get out of debt faster than the family making $60,000 but living off $59,999.

For many people, their fixed expenses chew up every last dollar. Get control of your spending so can have the ability to choose how you spend your money.

You’ll be able to actively serve people by giving to ministries, individuals, and charities.

This is the most exciting benefit.

First of all, it honors God. Secondly, it is an extremely satisfying way to use your resources.

Imagine a life with no debt, adequate savings, a plan for your future, and resources to help others. Wouldn’t life be a little more satisfying if you were spending your time finding the best children’s home to support instead of trying to find the credit card with the best balance transfer interest rate? Wouldn’t you make a greater contribution if you spent your money helping fund short term mission trips instead of paying credit card interest?

Simple living is a much healthier alternative to trying to keep up with the Joneses. Are you ready to pucker up and kiss the Joneses goodbye?

Craig has just finished writing an eBook called Transforming Your Financial Diet:  7 Steps to Simple Living and Generous Giving. The book is only on sale until March 9th.  As a special thank you to Heavenly Homemakers readers you can get 15% off. At checkout enter the coupon code “homemakers”. 

To learn more or get your copy, click here.

Be sure to visit Money Help for Christians where Craig promotes a frugal, simple, debt-free, and generous lifestyle so Christians can faithfully maximize their resources by putting them at the disposal of God’s Kingdom.

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

3 Effective Strategies to Help You Pay Off Credit Card Debt

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This post is written by Craig Ford, writer at Money Help for Christians.

The average American family has too much credit card debt. According to results posted by Visual Economics, the average American family makes $43,000 per year and owes $2,200 in credit card debt. Since not everyone even has credit card debt, that means those who do typically have debts in excess of a couple thousand dollars.

If you are currently working on getting out of credit card debt, here are three effective strategies to consider. 

#1. Pay Off Highest Interest Debts First

This is the oldest approach to debt repayment. It is, in fact, the approach that makes the most mathematical sense. Simply make a list of all your debts, and then start to pay off the debts that cost you the most (determined by interest rates).

Thus, you would pay off the 17% Capital One card before the 15% American Express card. Last of all, you’d pay off the 10% credit union card.

In the long run, this method saves you the most money, and theoretically, helps you get out of debt the fastest. But life and debt repayment are about a lot more than money. However, when you look closely at credit card consolidation and balance transfers, you realize that math is not the heart of the debt issue. 

#2. The Debt Snowball

If you’ve heard of the debt snowball, it is likely because Dave Ramsey promotes the debt snowball.

With the debt snowball, you list your debt by amount owing instead of by interest rates.

Imagine you owed $9,000 on a Capital One card, $5,000 on an American Express account, and $2,000 on a card from your credit union.

In this case, you would pay off your cards in the following order – credit union, American Express, and Capital One. You would continue to make minimum payments on all the other debts until you pay off one debt. You would then shift your focus to the next debt. 

One of the biggest advantages to the debt snowball is that it provides the quickest emotional pay off. Instead of waiting until you pay off $9,000 in debt (as you would with the highest interest), you get to do the happy dance after paying off the $2,000 credit union bill. That emotional energy will fuel your continued fight out of debt.

If you are interested in the debt snowball, you might check out this free debt snowball spreadsheet.

#3. Emotional Debts are the First to Go

The fact is sometimes we make poor choices. Choices that haunt us. Let’s say you once helped buy a $1,000 stereo for an old boyfriend. That relationship never worked out, but you still have that $1,000 credit card debt. Imagine how good it would feel to finally pay off that debt and move on. 

This debt repayment strategy encourages you to list your debt in order of how passionate you are to pay them off. Perhaps one credit card company has been especially rude in their interactions. Put them first, and get them out of your life. 

Again, this is a strategy that relies on emotions more than math.

Which is the best strategy?

The answer completely depends on your temperament. 

I, for example, could effectively use #1 and #3 in conjunction. The reason? I hate paying interest to banks so the debt with the highest interest rate would also be the one with the most emotional pay off attached to it. 

Yet, there is no denying that many, many people are following the debt snowball with amazing results. Either way, if you have credit card debt, be sure you have a game plan or steps to get out of debt and work aggressively towards whatever strategy you adopt.

What strategy do you use / do you recommend to help people get out of debt?

 Be sure to visit Money Help for Christians where Craig promotes a frugal, simple, debt-free, and generous lifestyle so Christians can faithfully maximize their resources by putting them at the disposal of God’s Kingdom.

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

Our Real Food Grocery Budget 2011

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I’m trying very hard to write a post about how much our Grocery Budget is for 2011 for our family of six. Many of you are curious about how much money it takes to eat the way we do (especially with four growing boys) and I’d really love to be able to share.

My problem with giving you a “We spend $X on our groceries each month” statement is that I don’t feel like any number I come up with will be accurate. I’d say we probably spend an average of about $500/month for our family’s food needs. But some months I spend $400 on meat alone…other months I don’t buy any meat at all…sometimes my Azure Standard co-op order is really huge…other months I barely buy anything.

I rarely shop at a grocery store, so I hardly ever have a store receipt to guide me on our food budget keeping. We get milk and cream from one farmer, eggs from our friend, chicken and beef from a farm, venison from hunters, lamb from a teenager raising lambs, raw honey from a local bee keeper, maple syrup once a year at the farmer’s market, bulk wheat once a year from a big bulk order a friend organizes. We get sweet corn in a huge batch once during the summer and put it up in the freezer.

And so, our grocery spending each month depends on what we need and when we need it. (We are blessed to have extra freezers and storage space to support our bulk purchases.)  If I were to buy what I need each month, then look at the budget and say, “Ooh goody…we have an extra $105 in our grocery budget that I haven’t spent yet…now I have money to splurge on extras like pizza and juice!” then I wouldn’t have enough the following month when we’re out of ground beef.

I don’t spend money just because I happen to have surplus in our monthly budget.  I spend the money I need to spend at the time I need to spend it and that’s it. Sometimes I go over budget, sometimes I’m way under…it all averages out.

Does that make any sense at all?

In addition, we tend to feed a lot of company each month. We LOVE having people over for meals and do this regularly. The money for this sometimes comes out of our “Giving” budget instead of out of our regular “Food” budget, but it’s all food so it’s hard to keep track of separately.

So…this is why I’m having a hard time sharing what our grocery budget looks like. I apologize for being complicated. I actually feel like the way we do things is simple, because we just spend the money for the food we need when we need it. It’s fun and it’s delicious and I love knowing where our food is coming from. But it doesn’t look very pretty on paper…or rather on screen.

As best as I could I broke down our food budget for each month with a rough guess of how much I spend on average for our groceries:

  • Raw Whole Milk and Cream:  3 gallons of milk at $4.00/gallon + 1 pint of cream at $3.00/pint each week =$15/week; $60/month
  • Free Range Eggs:  4 dozen a week at $2.50/dozen= $10.00/week; $40.00/month
  • Chicken, Beef, Lamb and Venison:  $150/month
  • Azure Standard order:  $150/month
  • Grocery Store/Walmart/Farmer’s Market (summertime):  $75/month
  • Bulk Wheat  $210/year = $17.50/month
  • Amazon Groceries:  Free with Swagbucks (more about this tomorrow)
  • Garden Produce:  Lots of hard work and sweat

We grow and preserve all of our tomato products, green beans and many other vegetables from our garden each year. We almost always have a chance to pick (for free) all the strawberries and raspberries and peaches and apples and pears and cherries we can get our hands on. We work very hard in the fall to can and freeze enough of these items to last us the entire year. This food is “free” but labor intensive. That’s okay, we get a big kick out of having dirty fingernails.

So, now that I’ve given you all of this information…I’d love for you to tell a little bit about what your food budget looks like if you care to share. Do you spend a certain amount on groceries each month, or do you just buy what you need as you need it? Do you feel like you should cut your grocery bill…or do you feel like you are buying high quality food at a good price?

Be sure to hop on over and read this too: No Grocery Budget Comparing Allowed

Tomorrow, I plan to address several questions I’ve received about eating Real Food on a very limited income. How can you eat a healthy diet when you barely have enough money for groceries?

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How to Find Legitimate Work From Home Opportunities

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This post is written by Craig Ford, writer at Money Help for Christians.

As part of your 2011 New Years resolutions, many of you are looking for legitimate ways to increase your income by working at home. For some of you, an extra few hundred dollars a month will give your budget some much needed breathing room. Others of you might want to supplement several thousand dollars a month by working from home. The extra income might be needed to help you get out of credit card debt. Regardless, this post focuses on offering specific suggestions for mothers who have decided to earn some extra income in 2011. 

But this post is not just for ordinary mothers. It is for those who want to have their cake and eat it, too (without gaining any weight). Since kids come first, you need a job that will fit around your schedule, not a job that is going to compete with your family. The jobs I’ll suggest in this post will allow you to:

  1. Work from home. 
  2. Have a flexible schedule.

Red Flags When Looking For Extra Income

  • Avoid using Google as a starting place.  Yes, of course, you will eventually need to do some research online to get information about a work opportunity, but I highly recommend starting with personal contacts and people you already trust online. A lot of people get online and type “how to make money at home” or “make money online”. The problem is that there is no Google quality police. Generally speaking, she with the most links to her website gets the top position in Google. If I have a product that is a scam, I can easily work for links or buy links and get a top ranking in Google.
  • Avoid anything that requires you to put money down or buy a ‘secret’ starter pack. Yes, many legitimate home business will require you to purchase inventory. However, if you are being forced to buy more than you want ($500 minimum start up package), or you’re not sure what you get for your money, avoid that business “opportunity”.
  • Avoid pyramid schemes.  A pyramid or multi-level marketing business is one where others make money by teaching you how to make money. There is a lot of hype around these type of businesses because in many ways the hype is the business. Many of these businesses offer little of actual value, but instead there is only a smoke screen of actual business transactions. As long as people are referring others the business makes a profit, not necessarily when they are actually selling the product.

(Laura’s Note!!  Several of you have pointed out that not all multi-level marketing businesses are schemes. You are absolutely right!! I was involved in selling Stampin’ Up! products for several years when my kids were babies and that certainly wasn’t a scheme…and it falls right into this category. Please accept my apologies for any frustration the above paragraph may have caused. The point is to avoid SCHEMES…not to avoid all businesses of  this nature.)

Tips for Finding the Right Side Business

Personally, I’m a big fan of teaching people to turn a hobby into a side business. The reason is quite simple – you’ll do a better job and feel better when you make money doing something you love. Besides, what if you figure out how to make a lot of money doing something you hate to do? That doesn’t sound like any fun, does it?

A successful business will do one of the three things:

  1. Sell a product or a service that is better than what is currently being offered.
  2. Sell a product or a service that is cheaper than what is currently being offered.
  3. Sell a product or a service that is currently not available.

A List of 15 Legitimate Work From Home Jobs

In this list you’ll notice I favor online businesses. The reason? You usually have 100% control over your schedule. If your little baby is sick you can work late after the child is in bed. Furthermore, I believe most small business growth involves a hefty component of online business. 

  1. Blogging.   You can make money blogging as long as you select the right topic and are willing to work hard. Here’s my 7,500+ word free guide on how to make money blogging.
  2. Virtual Assistant – With the explosion of web based businesses and online entrepreneurs, there is a huge market right now for qualified virtual assistants. What is a virtual assistant (VA)? A VA is a person who does secretarial type work from home. You get an email of tasks and you complete them for a boss you may never meet. You can advertise your services on either Odesk or Elance.
  3. Baking – Sell cake, cookies, or any other goodies from home.
  4. Freelance Writing – I believe this is a great time to be a writer. Many online blogs and businesses are looking for good quality content. Guess how they get that content? They pay someone to write for them. I’ve spent some time over the last few years doing some freelance writing in my field (personal finance). My first paid writing offer was for $5 per article. On average (depending on the niche), you can make $20 per article to write online. Learn more about how to make money writing.
  5. Tax Filing Business from Home – For anyone who has tax experience and the proper licensing, you can set up your own home based business and generate clients whom you will never meet in person.
  6. Selling items on eBay – This style of business has been around for a long time, but it can still be profitable if you make wise purchasing decisions. Basically, you buy items at highly discounted prices and then sell them on eBay. You can either purchase products wholesale or just stock up on inventory when your favorite store has their next 85% off clearance sale.
  7. Tutoring – If you can fit tutoring into your schedule, you might be able to spend part of an evening helping a struggling student.
  8. Teach a Skill – Do you know how to play the piano? Do you know how to do a craft? Teaching people how to do the skills you already know is a great way to earn a few extra dollars.
  9. Mystery shopping – Yes, get paid to shop. You too can learn how to be a mystery shopper.
  10. Sell eBooks – If you have an online audience, you can produce your own products and earn some extra income selling eBooks. Of course, you would first need to build up an online audience through a blog or a similar medium.
  11. Sell Photos – Amateur photographers can start selling their pictures online. All you need to do is to go to a popular site that sells photos and get an idea of what type of pictures sell well. Use the popular pictures as a standard to help direct your own freelance photography business. Check out Shutterstock.com as an example of one of many websites that allow you to sell your photos online.
  12. Social Media Consultant – You mean, get paid to use Facebook and Twitter? Exactly. In November last year, one of the largest personal finance blogs, WiseBread, was looking to hire a social media consultant. Once again, Odesk and Elance would be a good place to start advertising your services. 
  13. Web graphics and logos designing – If you are artistic, you might want to invest in a Photoshop program that will allow you to do graphic designing for blogs and websites.
  14. Learn how to do something you normally pay for. – OK, this isn’t a specific idea, but if you pay for something, don’t you think others would too? At the very least, when you learn how to do something new, you don’t have to pay for that service any more. But then you can also build up a client list and provide that service for others.
  15. Sell plasma.  You’ll never find me doing this to make an extra buck, but my mother-in-law thinks this is the best way to earn some extra cash. As for me and my household, we’ll pursue other methods to supplement our income. 

Alright, you’re officially equipped to start chasing your dreams. Find an opportunity that interests you and fits your scheduling limitations. Chase it with your full energy and passion, then go, go, go.

What other suggestions do you have that can help someone else make an extra few dollars by working from home?

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 Be sure to visit Money Help for Christians where Craig promotes a frugal, simple, debt-free, and generous lifestyle so Christians can faithfully maximize their resources by putting them at the disposal of God’s Kingdom.

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

Money Help for Christians at Heavenly Homemakers

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I am very excited to introduce a new feature beginning this year here at Heavenly Homemakers!

Craig and Jeri Ford are friends of ours, and are currently missionaries at Papua New Guinea. Craig writes at Money Help for Christians, sharing financial tips for believers. He brings the Bible and money together in Money Help for Christians. Craig promotes a frugal, simple, debt-free, and generous lifestyle so Christians can faithfully maximize their resources by putting them at the disposal of God’s Kingdom. Money Help for Christians is committed to providing relevant resources in order to assist Christians in this effort.

The first Thursday of each month, Craig will be guest posting here, sharing some of his great financial advice, particularly for women. I’m very excited to read what he has to say each month, and I think we’ll all learn a great deal from his expertise on this subject! The first of Craig’s posts is coming up this week! 

 

Here’s a brief introduction into what Craig will be sharing with us this time:
As part of your 2011 New Years resolutions, many of you are looking for legitimate ways to increase your income by working at home. For some of you, an extra few hundred dollars a month will give your budget some much needed breathing room. Others of you might want to supplement several thousand dollars a month by working from home. The extra income might be needed to help you get out of credit card debt. Regardless, this post focuses on offering specific suggestions for mothers who have decided to earn some extra income in 2011. 
Read more of Craig’s first post Thursday! 

We’d love to hear what financial topics you might be interested in learning and reading about. Be sure to leave a comment here or email me with any topic suggestions!
Heavenly Homemaker's Club Members: Access your homepage and all your fantastic resources here! Not a member yet? Please join us!

Saver or Spender? Question #69

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I am by nature a saver. I don’t like to spend money if I can help it. I like learning about saving and investing (which is why I highly recommend this free financial newsletter for women by Daily Worth) and I like learning about keeping a nice budget (which is why I also highly recommend Craig Ford’s ebook The Secret to a Successful Budget).

As far as I can remember, I’ve always had a hard time parting with my money. I remember saving my hard earned babysitting money all summer long, then going school shopping with my mom. We always had a blast, but I do remember my mom actually getting a little frustrated with me because I was hesitant to buy a new shirt for $10. I didn’t want to spend ten of my dollars on just one shirt…I wanted to keep looking until I found a cute shirt on sale for $4! I wanted the best deal possible. I had changed many a diaper to earn that money, after all!

Being a saver is mostly and almost always good. But sometimes it causes stress because good grief…(and I know this is shocking) sometimes we need to spend money. Sometimes things break and have to be replaced. Sometimes there’s no choice but to stay in a hotel. Sometimes I must buy paper plates that get used once and then are thrown away (gasp!!).

I’ve come a long way through the years in regard to saving and spending…learning that it’s okay to spend money on good food and other things that are important. I’ve learned that giving money (and time and food and whatever) to others is an awesome and right thing to do.

I’ve even come to the point that, if I have to, I can spend $10 on a shirt. :)  My mom would be so proud.

My husband is also a saver, which has helped us to avoid money arguments in our home. I’m so thankful that we are on the same page when it comes to finances. I know it is a struggle for those who aren’t.

My question for you today is…are you a spender or a saver? Is it hard for you to part with money, or does it burn a hole in your pocket? 

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