savings Archives | Heavenly Homemakers

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 machine Laura’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.

I received my Azure Standard food co-op order last week…one of my favorite days of the month! It’s slightly ridiculous how much I get a thrill out of boxes and bags of food. I know not everyone has the storage space to purchase food in bulk…but this method works very well for me and I am so thankful to have this option.

As I mentioned several months ago in this post about why I buy bulk food, I don’t just buy in bulk to save money. Saving money is a wonderful perk, but I also find that buying in bulk makes cooking so much simpler for me. I don’t have to think so hard or shop so often. I buy large quantities of food items, enough to last much longer than a week. This way, I save on gas, time, energy and brain power.

I am often asked how I store my bulk purchases. Here is a little bit of explanation for what works well for me for bulk food storage:

I could just leave the food right in their bags, but I don’t feel comfortable with that for sevaral reasons. We’ve had trouble with mice in the past. Yowza, there’s not much that makes me more frustrated in the kitchen that seeing that those little rodents have gotten into and pooped in my oats. What a waste! Beyond mice, we find that if we don’t transfer food out of their bags and into something more properly sealed, it is easier for bugs to get in and ruin food.

In addition…I just feel like buckets and containers are easier to stack and store than bags. I know I’m a nerd…but I LIKE the way food looks when it’s poured into nice jars and jugs. Crumpled up bags don’t look nearly as cute in my pantry.

When my bulk purchases arrive, out come my jars, buckets and containers. I’ve accumulate quite a nice collection through the years, purchased from garage sales, Walmart or the dollar store. You know how I LOVE jars. And in general, I avoid plastics. However, for dry food that isn’t as likely to absorb chemicals from the plastic, I’m okay with using plastic containers for bulk storage.

I take a few minutes to scoop out the sea salt or sucanat or wheat or oats or whatever dry bulk item I’ve purchased into large storage containers.

From those, I will funnel smaller amounts into smaller jars for simple cooking use. I keep these smaller jars in the cupboard right above my stove so I can easily grab them while I’m cooking. As they get low, I refill them from their larger storage container.

Once I have everything divided into the appropriate jars and containers (I stare at it in happiness for a while and then) I put them all away in either my storage room, or in my pantry if there is space.

I especially like to keep my nicest jars full of dry bulk items like beans, rice, popcorn and pasta in my pantry door where it looks pretty everytime I open it!

You may also want to read about how I store bulk grain. And, if you’d like to see a more thorough view of my whole kitchen, I invite you to join me on my kitchen tour!

Do you buy in bulk? What have you found that works best for you to store your bulk food?

If you’re interested in learning more about my favorite health food co-op Azure Standard, join the Azure Standard facebook page!