Archive for the ‘Creative Finances’ Category

How Technology Rules Us: Part 1

Monday, September 12th, 2011

how-technology-rules-us-1I got my first cell phone this year. Yes, I have lived without a cell phone for four decades and survived. When I grew up in Guatemala, my family went nine years without any phone whatsoever, not even a land line. When a bullet came through my window nearly killing my sister, my mom had to wait until my dad got home from work to tell him.

When I was 18, I moved to the United States. Valuing money, I decided to not spend my money on frivolous things. I saw cell phones like a piece of American jewelry, a decadence that made people feel important. Instead, I saved up all my money, and when I had the chance to live in England, I used the thousands of dollars that I had saved to travel the world. Yes, you have power when you have money. Power to live the kind of life you want to live instead of being enslaved to an American credit card institution that jacks up your interest rates and gives you no way out. Then you’re stuck.

Perhaps I thrived more as a result of not having a cell phone. I was productive. I wasn’t constantly checking for text messages, and continuously surfing the net from my phone, checking Facebook or whatever, generally wasting time. During a lull in the day, I would pray for someone, or turn and have a conversation with a real person, sometimes resulting in the salvation of a soul.

A cell phone is not necessary for survival. We just think it is. People have survived for thousands of years without it. You don’t need one.

A philosophical problem I had with getting a cell phone was that everyone that I knew bowed down and worshiped their cell phone. No, not physically, but in their hearts, because they were ruled by it. For example, I would be out on a date with my husband, and nearly every single person in the restaurant was looking at a cell phone screen instead of spending time with the person they were with. Our virtual lives have taken over our real lives.

So how come I finally bought a cell phone, and not just any cell phone either, but a modern one with all the bells and whistles? Because my sisters were begging me to get one. They wanted to feel that they had access to me 24/7, and they just wanted to say “I love you” and not have a long phone conversation. And because my business coach said I needed it to check e-mails and post to Twitter and Facebook. And then we finally had the money. Plus, my husband wanted one badly. Well, he wanted both of us to have one, so that he could get a hold of me to tell me that he was in a traffic jam and would be an hour late, and to please take the kids to karate and guitar practice. So yes, the cell phone has immense practical value.

I knew that I had come full circle when I ended up texting people during a date with my husband, which is something I determined never to do. I had purposely left my cell phone at home, getting into the car. My husband slid into the driver’s seat, handing me my phone and saying, “You forgot this.” As soon as we were driving away, my phone chimed. I had gotten a text message, and only five people have my cell phone number: my husband, my best friend, and my three sisters. Knowing that the chime indicated a person that I loved who had a need, how could I not get it? Besides, it would only take a few seconds to answer…

Saving Money on Groceries

Friday, October 29th, 2010

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Saving money on groceries is something that everyone is trying to do in our economy. First off, I would stock up on “loss leaders.” Those are the promotions that the grocery store loses money on (or barely breaks even) to get you into the store to buy all your other groceries. What I did when money was really tight was this: I would spread out all the front pages of the grocery fliers (the ones you get for free that are delivered to your house). The front page of each flier had the best deals, and I would circle anything that we liked to eat. Then I would go to each store and buy only loss leaders, and maybe one or two simple things like eggs that I needed. I came home with $200 worth of groceries for less than $100. I did this regularly for years until the gas prices went up and two of my kids were lactose intolerant.

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Then I had to change my plan. Driving all over town cost more than what I was saving on some of the groceries. Lactaid milk cost a dollar less per half gallon at Walmart than at any other store. It saved me $30 a month. I also noticed that generic Saltines were 99 cents regularly at Walmart, and normal grocery stores charged almost $4. We ate Saltines with soup all the time at our house; maybe 4 or 5 boxes a month, besides the home-made cheese and crackers and peanut butter and crackers that I made whenever my husband wanted to go out with the family any time around meal time. If I brought a cracker snack with us (and recycled bottles of water), we could make it home without fainting and without buying fast food, which we couldn’t afford back then.

This is not an ad for Walmart. They are not the cheapest for everything (especially meat), but if you combine coupons with Walmart’s low prices and buy meat at other stores during big sales, you can pretty much buy your food for much less. I ended up going to Walmart once every two weeks, which was my normal schedule for buying food. We would have fresh fruits and vegetables the first week, then canned or frozen the second week. If you go to the store fewer times, you save money. It’s a fact. Milk now lasts at least two weeks, so there is no reason to go to the store between times. Staples like eggs and bread, you should know how much your family normally eats. It was only once or twice a year that I had to send my husband to get one thing at the store. Otherwise I already had everything.

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Another way I’ve saved money is by finding hunters. The hunters’ wives usually have extra freezers full of deer meat, and they are so sick of it, they often want to throw away perfectly good meat. I’ve often gotten 50 pounds of free meat this way. It was a life saver back when we had no money whatsoever. If you can’t stand the taste of deer meat, mix it with regular meat, and it’s not so bad. And recipes like chili are so strong that it wouldn’t matter what kind of ground beef was in it.

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Make recipes with what you already have. So many months we had no money in the bank or in our wallets, and we had to make it two more weeks before paycheck. I would write down everything in the freezer, cupboard, and fridge. Then I would ration out the meat, fruit, and vegetables. I always made sure to give my children protein, milk products (for calcium), fruits, and vegetables each day. Then I filled up the rest of their belly with cheap carbohydrates like potatoes, rice, bread, or whatever. The children were always full, even though I was rationing the foods that were more expensive. Junk food was absolutely out of the question, since we barely had enough money for the core foods. I would sometimes get the coin jar, grab all the quarters, and go to the store for fruits and vegetables, because we ran out of these the fastest. My children were healthy.

I’ve never been able to grow my own food without a monetary loss. The soil and seeds cost more than the real food when it’s on sale. (This is purely from a monetary point of view. Of course, the food tastes way better from your own garden, if you can actually get the stuff to grow.) Sometimes people from church would give us excess garden produce. There was no way I wanted to waste any of it. One time we had an enormous amount of broccoli. This was back when broccoli wasn’t a favorite with my kids. I waited to serve lunch an hour late, so that the kids would be ravenously hungry. I made a heaping plate of steamed broccoli, and I put it in the center of a small table. I squeezed lemon juice on it, and I told them that the rest of their food for lunch would not come until the plate was empty. Then I distracted them as they ate by teaching them something, since I normally homeschool during lunch. They mindlessly ate it all. Now broccoli is one of their favorite vegetables. (I washed, chopped, and froze the rest of it so they wouldn’t totally get sick of it.)

In general, if you combine coupons with an item that is already on sale, you can get the food almost for free. But the number one thing I always did was to pray for the groceries I needed. God always supplied, and He is faithful.

Saving Money on Children’s Clothes

Tuesday, September 7th, 2010

saving-money-on-children's-clothesSaving money on children’s clothes has been important to me, since the children outgrow their clothing so fast. I came home a few days ago with fresh clothing for each of my children for the fall. I usually go to a children’s resale shop. Many of these shops will give you cash or in-store credit for clothing that is outgrown, or toys that your children no longer play with. I can’t remember how many times God has provided exactly what my children needed through these resale shops. I take boxes of things I no longer need. I pray that God will provide the very things that I need for my children. When the exchange is done, only a few coins are spent. I get a huge bag of almost new, name-brand clothing for my children for (basically) free!

Yard sales are another place I go to get clothing, and I find wonderful things sometimes. But the resale shops have clothing in all the sizes of my children, and it’s all in one spot, so it’s a better use of my time. Plus, a garage sale won’t swap my old stuff for me to buy their stuff. They are in the mood to make money and don’t want any more stuff. Plus, I’ve noticed that at most yard sales, clothing isn’t even worth looking at, unless you are in a rich neighborhood. I don’t understand why people put out stained, stretched-out clothing, as if anyone would buy such garbage. This is what gives garage sales a bad name – mostly the pathetic clothing!

That said, this time I actually did spend money. That’s because I had nothing to exchange. And normally I show some sort of wisdom as I switch over the children’s clothing from summer to fall. I write down what each child lacks. If one of my children doesn’t have swim trunks (because he’s grown out of his smaller ones), I write that down. If someone’s winter jacket has a broken zipper and a missing hood, I write that down. You see, it’s like grocery shopping. I come armed with a list. And I mostly stick to the list, unless I see something wonderful that we always need, like more long-sleeved shirts for the boys, especially for my oldest boy, since he hands them down to his two younger brothers.

So I didn’t have a list for the first time, and I had nothing to swap, and I was in the mood to go shopping. I knew the kids needed fall clothing. My husband blessed my shopping spree and gave me cash. He said, “Have fun.” I felt oddly disoriented with cash in my pocket and without my list, but I cried out to God as I drove the car, that would He please provide what I needed, even though I didn’t know what it was!

God was so good. I looked through the racks, starting with size 10 for my oldest son. (I always shop for my sons first, since shopping for girl’s clothing is so much more fun!) The only thing I could find was three long-sleeved shirts. Come to find out the next day when I switched over the boys’ clothes, that’s the very thing he needed. He only had five shirts, and one or two of them looked like they might be too small. So three more shirts rounded out his only need for clothing. (I’m choked up, because only God could have known that.)

For my second son, several months ago, I asked him what he would get if he had a million dollars. His eyes got wide, and he looked like he had never thought of what he wanted before. He finally said, “A new pair of pajamas.” I laughed. I said, “What’s wrong with your pajamas?” “I’m just sick of looking at them every day,” he replied. You’ll never guess what I found at the resale shop: a new-looking, very soft and comfy pair of pajamas. He loved the color, and he was so happy.

I also found two name-brand sweaters for him, and later on I found out that he was my only son with virtually no sweaters. (Snow is on the ground up to five months here in Washington.) I also found a long-sleeved shirt he loved.

For my third son, I only found two things, but it ended up that he didn’t really need much. I found a beautiful coat for my daughter, and this was odd because her other jacket was fine except for the stains. God was so sweet, He upgraded her jacket just to make me feel rich and lavished upon. You know how God is. And I found some long-sleeved shirts, which she badly needed, having only two or three in her closet, and having to wear them every day for fall, winter, and spring.

I guess the biggest way to save money while shopping for children’s clothes is to commit your way to the Lord, and just see what He will do.

Frugal Homeschool Friday

Cutting My Family’s Hair

Saturday, August 14th, 2010

I’ve cut my children’s hair for years, not because I wanted to or because I was any good at it. No, I did it to save money. I bought a hair cutting kit back before I had kids, when I was working to put my husband through university. We were low on money, and whenever I cut my husband’s hair, he looked like a peanut.

As soon as my husband was out of school and got a real job, he didn’t want me to cut his hair any more. After all, he had to make an impression. He didn’t want to look goofy. Whenever I gave him a coupon for a hair cut, he would tell me, “If I’m going to get a bad haircut, you might as well do it.” Oddly, I wasn’t hurt. He was right. A cheaper place always cut his hair just as bad as I did, so why waste the money? His point was that he didn’t want to look goofy, so I haven’t criticized him for letting him get it cut at the mall. Once you find one person in particular who does it right, you end up going back to that person. That’s what my husband did.

Now as far as the children were concerned, I would always cut their hair, because who cares what they looked like? I homeschool, so it’s not like kids are going to make fun of them. However, I recommend having the children watch a video while you cut their hair, because otherwise if they start crying, they get hair in their eyes and mouth, and they start spitting. Suddenly there’s snot, and you just want the nightmare to be over with.

Of course, I’ve saved over a thousand dollars over the years, so I just hold on to that idea as I chop away with the scissors. For some reason the kids’ haircuts looked good most of the time. Or maybe after cutting hair hundreds of times, I was finally finding my groove.