You know those horrendous baby calculators where they estimate that you'll probably need to sell your corneas in order to afford the first year of having a baby? I hate those. Mainly because seeing the $10,000 for the first year about gave me heart attack.
Also, because it estimates $72 per month for diapers. I cannot say for certain because my records are, sadly, not this good, but I would venture to say I have not $72 PERIOD on diapers. And my baby is six months old. Besides this, I have a good 350 diapers in her room right now in her current size, plus an additional 600 diapers in the next size up. (And, no, I don't change her diaper only twice a day or something horrifying like that).
I am firmly convinced that diapers do not have to cost you a fortune. Last spring, Merrick compared the cost of diapers at different stores and said that the cheapest diapers were to be found at Costco or Sam's Club. And that's true if you just want to buy a box of diapers and be done with it. Those diapers were priced at $0.14 per diaper (and that's for the newborn size, which is generally the least expensive).
I try to spend less than $0.10 per diaper and I really am happy if I can get them for more like $0.05 or less.
This is totally possible if you follow deals at drugstores and stock up when there are killer sales. I keep an eye out and have some friends who alert me when they find good deals and so I've been able to do quite well.
Let tell you about one such good deal that you can probably do right now (I got 228 Pampers Size 2 diapers for around $7 - I paid less than $0.03 per diaper).
Amazon sells diapers for around the same price as big box store (around twenty to thirty cents per diaper, depending on the size and brand). But if you sign up for Amazon Mom, you get 15% off. Then when you choose your diapers, sign up for "Subscribe and Save" (the option is on the right, just below the regular "Add to my Cart" button) and you get another 15% off. Now you're talking more like fourteen to twenty cents per diaper.
And then, here's where you can really rack up your savings. Right now, many parenting magazines (Parents, Parenting, American Baby) have coupon inserts for either $10 off any Amazon Mom order or 20% off any diaper order (and this is 20% off the full list price, not your discounted price). Best of all, you can combine them, so I used both a $10 off coupon and a 20% off one. And Amazon had a bonus coupon for Pampers last week that brought my price down even more.
Plus it all ships for free. One of my friends bought Pampers Newborn Diapers yesterday for $10, making hers about five cents a diaper. Another pregnant friend of mine (expecting twins!) ordered Huggies Diapers for around eight cents apiece.
As if my mega-cheap diapers weren't enough, every time you order something through Amazon Mom and do Subscribe and Save, you get a month of free Amazon Prime (which means all Amazon products ship for free with no minimum purchase).
My box of diapers arrived today at my front door. It was a glorious moment.
Check your pediatrician's office or your own stack of magazines for these coupons. Or ask a friend (I got my 20% off coupon two days before it expired from a friend who wasn't going to use it).
And then bask in the cheapness of the diapers (and don't forget to cancel your diaper subscription before the next batch ships, if you're so inclined - although even without a coupon, many of the diapers are only about $0.12 each. Not bad).
Feb 2, 2011
Jan 31, 2011
Cooking Once a Month (Carole)
The title says it all. This is a method of cooking that I've done off and on over the years. It can also be done on a weekly basis quite successfully.
List out 28 meals that your family likes and that you're comfortable cooking. Make up a shopping list so you make sure you have all your ingredients. Then spend most of one day getting each main dish as close to the cooking stage as you can:
1. All basic/raw ingredients mixed together and frozen in the baking dish
2. All canned and/or dry ingredients assembled in a ziplock bag ready to be quickly assembled on the day you need them.
3. A combination of #1 and #2
Take some time and figure out how much of each recipe can safely be prepared ahead of time, so that on the day you want to fix it, most of the work is done. The goal is to have 28 recipes READY TO GO. Just like last week's meal idea, this system allows you to buy items in bulk and use them up quickly.
Try doing it with a week's worth of recipes first, to get the hang of it. I remember the first time I did this, it took me about 7 hours to assemble everything for one month's worth of meals. The second time (using the exact same recipes), I did it in a little over 2 hours. You do get the hang of it, and you'll figure out some speedy tricks. I also simplified many of the recipes.
If choosing your own month's worth of recipes seems like too much effort, you can get the book, Once-a-Month Cooking, that gives you all the info you need -- that's what I did in the beginning. She has good recipes and many good tips.
Check to see if your library has it in stock. I bet they do! You'll love yourself night after night when you quickly feed your family another healthy, home cooked meal.
List out 28 meals that your family likes and that you're comfortable cooking. Make up a shopping list so you make sure you have all your ingredients. Then spend most of one day getting each main dish as close to the cooking stage as you can:
1. All basic/raw ingredients mixed together and frozen in the baking dish
2. All canned and/or dry ingredients assembled in a ziplock bag ready to be quickly assembled on the day you need them.
3. A combination of #1 and #2
Take some time and figure out how much of each recipe can safely be prepared ahead of time, so that on the day you want to fix it, most of the work is done. The goal is to have 28 recipes READY TO GO. Just like last week's meal idea, this system allows you to buy items in bulk and use them up quickly.
Try doing it with a week's worth of recipes first, to get the hang of it. I remember the first time I did this, it took me about 7 hours to assemble everything for one month's worth of meals. The second time (using the exact same recipes), I did it in a little over 2 hours. You do get the hang of it, and you'll figure out some speedy tricks. I also simplified many of the recipes.
Check to see if your library has it in stock. I bet they do! You'll love yourself night after night when you quickly feed your family another healthy, home cooked meal.
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Jan 28, 2011
Balancing Your Life (Merrick)
With the start of the new year, I'm sure you all have many new years resolutions. This year, I decided to tone down my usual new years resolutions craziness and focus on the essentials. My main goals are to simplify and balance my life. I never want to be one of those women who is doing the laundry or cleaning every day of the week, or going to the grocery store every other day to pick up a few things. I want each day to feel individual and special, and be able to have time to do the important things, like playing cars with my little boy.
So let me tell you about a few things I'm doing this year, although not all of them specifically deal with saving money (but I'm saving my sanity here, and that is worth something!!):
I make bread every Tuesday -- I bake it, cut it up, put it in a bread bag, and it's ready for sandwiches and toast all week.
I clean the house every Thursday -- this includes cleaning both bathrooms, dusting, mopping, sanitizing doorknobs and countertops, and any small organizing jobs that need to be done.
I do the laundry every Friday -- this includes sorting, washing, drying, folding, ironing, and putting away ($$ saved by not running the washer/dryer every day!)
I go grocery shopping every Saturday -- this includes planning my weekly menu, clipping coupons, and then going to my regular grocery store (Smiths), Sam's Club for bulk items, Rite Aid for toiletry items, and Sunflower Market for specialty items. ($$ saved by not running to the store every day!)
In the interest of full disclosure, I babysit my neighbor and have art class on Monday's and Wednesdays, which keeps me busy all day. So I keep those days free of house duties.
Also, we do many small household chores on a daily basis -- take out the garbage, run the dishwasher, clean the counter tops, pick up toys, etc.
By dividing up my week in this way, my life is suddenly more balanced than it ever has been. My laundry basket is full, but I'm not stressed about it because I know it will all be washed and put away today. We are running out of milk, but tomorrow is shopping day so why waste my time by running to the store today (especially when I'll probably come home with $20 worth of groceries!) -- we'll just have toast for breakfast. And each of these daily duties only takes me an hour or two of hands on time, so I have plenty of time for other things during the day.
When you have specific days dedicated to your various duties, you can better commit to each of them and perform better at each of them. You're probably not going to save much more money if you spend hours clipping coupons every day -- you're just going to hate couponing.
So do yourself a favor and bring a little balance into your life this year. Everyone, including your wallet, will be thanking you.
So let me tell you about a few things I'm doing this year, although not all of them specifically deal with saving money (but I'm saving my sanity here, and that is worth something!!):
I make bread every Tuesday -- I bake it, cut it up, put it in a bread bag, and it's ready for sandwiches and toast all week.
I clean the house every Thursday -- this includes cleaning both bathrooms, dusting, mopping, sanitizing doorknobs and countertops, and any small organizing jobs that need to be done.
I do the laundry every Friday -- this includes sorting, washing, drying, folding, ironing, and putting away ($$ saved by not running the washer/dryer every day!)
I go grocery shopping every Saturday -- this includes planning my weekly menu, clipping coupons, and then going to my regular grocery store (Smiths), Sam's Club for bulk items, Rite Aid for toiletry items, and Sunflower Market for specialty items. ($$ saved by not running to the store every day!)
In the interest of full disclosure, I babysit my neighbor and have art class on Monday's and Wednesdays, which keeps me busy all day. So I keep those days free of house duties.
Also, we do many small household chores on a daily basis -- take out the garbage, run the dishwasher, clean the counter tops, pick up toys, etc.
By dividing up my week in this way, my life is suddenly more balanced than it ever has been. My laundry basket is full, but I'm not stressed about it because I know it will all be washed and put away today. We are running out of milk, but tomorrow is shopping day so why waste my time by running to the store today (especially when I'll probably come home with $20 worth of groceries!) -- we'll just have toast for breakfast. And each of these daily duties only takes me an hour or two of hands on time, so I have plenty of time for other things during the day.
When you have specific days dedicated to your various duties, you can better commit to each of them and perform better at each of them. You're probably not going to save much more money if you spend hours clipping coupons every day -- you're just going to hate couponing.
So do yourself a favor and bring a little balance into your life this year. Everyone, including your wallet, will be thanking you.
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Jan 26, 2011
Price Adjustments (Janssen)
I am floored that I have not mentioned this before. In fact, I just spent about 25 minutes searching the blog to be sure I haven't posted about this before, but both Google Reader and the search feature on the blog are swearing I have not. So, stop me if you've heard this one . . .
Is there anything more painful than buying something at full-price and then seeing it go on sale immediately afterward?
Did you know that if you buy something and the price goes down with a week or two of your purchase, many stores will refund you the difference?
All you need is your receipt - march up to the checkout desk, and ask if you can get it price adjusted. If you paid by credit card, often the difference will just go right back on your card.
Last week, I bought quite a number of baby clothes for my little girl because Old Navy was having a really excellent 40% off the clearance price sale. I stopped in today when I was going to another store near Old Navy and noticed that all the clearance items were now FIFTY percent off the clearance price. Plus, most of the items had been marked down even further. No problem - all the items I'd bought last week now were priced at the new lower price. Two quick seconds at the register.
Most stores have their price adjustment policy on the back of their receipts or on their website.
It's probably not worth an extra trip, most of the time, but if it's a store you frequent a lot, keep your receipts in your purse or wallet and have them rescan them the next time you're in.
Is there anything more painful than buying something at full-price and then seeing it go on sale immediately afterward?
Did you know that if you buy something and the price goes down with a week or two of your purchase, many stores will refund you the difference?
All you need is your receipt - march up to the checkout desk, and ask if you can get it price adjusted. If you paid by credit card, often the difference will just go right back on your card.
Last week, I bought quite a number of baby clothes for my little girl because Old Navy was having a really excellent 40% off the clearance price sale. I stopped in today when I was going to another store near Old Navy and noticed that all the clearance items were now FIFTY percent off the clearance price. Plus, most of the items had been marked down even further. No problem - all the items I'd bought last week now were priced at the new lower price. Two quick seconds at the register.
Most stores have their price adjustment policy on the back of their receipts or on their website.
It's probably not worth an extra trip, most of the time, but if it's a store you frequent a lot, keep your receipts in your purse or wallet and have them rescan them the next time you're in.
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Jan 24, 2011
Neighborhood Meal Group (Carole)
I have two really easy and fun ideas for saving both time and money on your family dinners. Today I'll tell you about one of them. Next Monday, I'll post the 2nd.
Find 3 - 4 friends who have similar sized families (and similar cooking styles, I might add). Make up a plan for each of you to make dinner for all of the other families once a week. You will take Monday, Brittany takes Tuesday, Cheri takes Wednesday. . . every week. This is SO EASY. On Monday you cook all afternoon making dinner for yourself and the other families, but all the other days of the week dinner magically arrives at your door while you never stepped into your kitchen. Wow.
A few guidelines are helpful:
1. Set a standard time when dinner will be delivered
2. Dinner should include 1 main dish and 2 side dishes
3. MINIMAL or no cooking should be required when the food arrives at your house. It should basically be ready to set on the table.
4. We bought matching sets of storage containers to transport food in, so you never had to return anything.
5. No weird foods
6. No Pizza Hut because you were too busy/tired to cook on your day-- you are expected to deliver a home cooked meal on your assigned day.
Just a few of the benefits:
*The $ savings at the grocery store is incredible. When you're only buying supplies for one meal during the week (even though it's to feed 4 or 5 families) you buy a whole lot less stuff. And you can buy the big bulk size, knowing you will use it all up.
*Nearly every week you'll have enough leftovers so you won't have to cook on Saturday or Sunday either.
*You don't have to plan a week's menu anymore. Freedom!!
*You'll never run the kids to McDonalds for dinner ever again.
*Your children will be exposed to food you've never served before.
I was involved with a group for about a year and it was probably the happiest time in my cooking life! I know there are groups out there who have stayed together for a decade or more, so it is possible. Our group fell apart because of differing cooking styles (we had one member who was very gourmet and delivered odd things that some children refused to eat, another family tended cook very cheaply and that bothered some -- so pay attention to those kinds of issues when putting your group together). Now with just one child at home, I don't feel the need, but when I had a houseful of children and a very busy after school schedule, it was a god-send.
Find 3 - 4 friends who have similar sized families (and similar cooking styles, I might add). Make up a plan for each of you to make dinner for all of the other families once a week. You will take Monday, Brittany takes Tuesday, Cheri takes Wednesday. . . every week. This is SO EASY. On Monday you cook all afternoon making dinner for yourself and the other families, but all the other days of the week dinner magically arrives at your door while you never stepped into your kitchen. Wow.
A few guidelines are helpful:
1. Set a standard time when dinner will be delivered
2. Dinner should include 1 main dish and 2 side dishes
3. MINIMAL or no cooking should be required when the food arrives at your house. It should basically be ready to set on the table.
4. We bought matching sets of storage containers to transport food in, so you never had to return anything.
5. No weird foods
6. No Pizza Hut because you were too busy/tired to cook on your day-- you are expected to deliver a home cooked meal on your assigned day.
Just a few of the benefits:
*The $ savings at the grocery store is incredible. When you're only buying supplies for one meal during the week (even though it's to feed 4 or 5 families) you buy a whole lot less stuff. And you can buy the big bulk size, knowing you will use it all up.
*Nearly every week you'll have enough leftovers so you won't have to cook on Saturday or Sunday either.
*You don't have to plan a week's menu anymore. Freedom!!
*You'll never run the kids to McDonalds for dinner ever again.
*Your children will be exposed to food you've never served before.
I was involved with a group for about a year and it was probably the happiest time in my cooking life! I know there are groups out there who have stayed together for a decade or more, so it is possible. Our group fell apart because of differing cooking styles (we had one member who was very gourmet and delivered odd things that some children refused to eat, another family tended cook very cheaply and that bothered some -- so pay attention to those kinds of issues when putting your group together). Now with just one child at home, I don't feel the need, but when I had a houseful of children and a very busy after school schedule, it was a god-send.
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Jan 19, 2011
Where Are We??? (Carole)
I wish I could say that the girls and I are on some fabulous extended vacation or busy saving the world (one coupon at a time. . .), but sadly neither of those are true. Speaking for myself, I've been both crazy busy and amazingly lazy for weeks now -- I bet you know just what I mean!
Janssen and Merrick most likely have more interesting reasons for not blogging lately.
That being said, I'll have my first post of the new year up on Monday! See you then!
And thank you for reaching out and letting us know we've been missed. It makes us feel good inside.
Janssen and Merrick most likely have more interesting reasons for not blogging lately.
That being said, I'll have my first post of the new year up on Monday! See you then!
And thank you for reaching out and letting us know we've been missed. It makes us feel good inside.
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Dec 9, 2010
Playing Fair with Money (Janssen)
Money can often cause problems in relationships. It's just an awkward and touchy subject. It's easy to feel like you're getting taken advantage of or suddenly realize six months after the fact that you forgot to pay them back for the movie ticket they bought you. I hate those kinds of situations.
A friend of mine called me the other day because she was running to the store to purchase an item that had unexpectedly gone on sale and she knew I was interested in one too. She offered to pick one up for me. A few hours later, I got an email from her telling me the exact cost, including tax.
I logged onto my bank's website, plugged in her address and the amount, and sent a check off to her, then an email to her telling her I'd done so.
I didn't have to think about it again (or try to remember to have my checkbook on hand the next time I saw her), she didn't have the awkwardness of wondering if she should remind me or just eat the cost, and neither of us had to wonder if we'd paid more or less than we ought to have. It was so lovely and I've had this experience with this same friend a number of times. She knows I'll pay her back in full and I know she'll be upfront about how much I owe her so I don't have to feel guilty.
I've really come to appreciate this from my in-laws. Bart's mom is the kind to be very upfront about money - you always know when they are planning to pay for dinner (no uncomfortable moments when the check arrives). There's no rounding up or down. If she owes you money for something you purchased in her behalf, you'll get reimbursed to the penny. And then when you pay her back, you don't have to wonder if you should round up. Easy and straight forward.
For someone like me who has enough social worries, this is very comforting to me. And I can't tell you how many times in the six years we've been together that Bart has commented how much he loves this about his mom. He probably mentions it at least once a month.
I'm sure you've all had "friends" who are happy to take advantage of you as far as money is concerned - never paying you back, or happily pocketing a little extra that you've paid.
Of course, I want to be the kind of person who doesn't drop a friend over $5, but even more so, I want to be the kind of friend that someone else doesn't have to worry will try and short them $5 (or $50).
A friend of mine called me the other day because she was running to the store to purchase an item that had unexpectedly gone on sale and she knew I was interested in one too. She offered to pick one up for me. A few hours later, I got an email from her telling me the exact cost, including tax.
I logged onto my bank's website, plugged in her address and the amount, and sent a check off to her, then an email to her telling her I'd done so.
I didn't have to think about it again (or try to remember to have my checkbook on hand the next time I saw her), she didn't have the awkwardness of wondering if she should remind me or just eat the cost, and neither of us had to wonder if we'd paid more or less than we ought to have. It was so lovely and I've had this experience with this same friend a number of times. She knows I'll pay her back in full and I know she'll be upfront about how much I owe her so I don't have to feel guilty.
I've really come to appreciate this from my in-laws. Bart's mom is the kind to be very upfront about money - you always know when they are planning to pay for dinner (no uncomfortable moments when the check arrives). There's no rounding up or down. If she owes you money for something you purchased in her behalf, you'll get reimbursed to the penny. And then when you pay her back, you don't have to wonder if you should round up. Easy and straight forward.
For someone like me who has enough social worries, this is very comforting to me. And I can't tell you how many times in the six years we've been together that Bart has commented how much he loves this about his mom. He probably mentions it at least once a month.
I'm sure you've all had "friends" who are happy to take advantage of you as far as money is concerned - never paying you back, or happily pocketing a little extra that you've paid.
Of course, I want to be the kind of person who doesn't drop a friend over $5, but even more so, I want to be the kind of friend that someone else doesn't have to worry will try and short them $5 (or $50).
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Dec 6, 2010
Controlling Your Hobbies (Carole)
A few years back, it was common to see bumper stickers that said , "The One Who Dies With the Most _______ Wins." The blank was always filled-in with a hobby such things as fabric, boats, cars, power tools, dolls, Beanie Babies, yarn, baseball cards. . . you name it. In the beginning I found this sentiment pretty amusing, as I had my own stash of hobby items in my spare room too, but the older I get the more I realize how much money can be mindlessly wasted on hobbies -- no matter how fun or even noble they may be.
For instance, when my children were very young, one of my dear friends casually mentioned that she liked to own every book she read. I had never thought of this before, but suddenly decided this was a FANTASTIC idea, and latched right on to it. Janssen and Merrick (and everyone who knows me at all) can attest that I have spent the past 20+ years purchasing hundreds of book -- actually probably more that that. In fact, very few things make me happier than spending time in a bookstore and walking out with a new book or two. However, these books have come with a cost -- above and beyond the purchase price. I have to shelve them, sort them, dust them, move them, alphabetize them, give them away, throw some away, and I've even forgotten about some and purchased duplicate copies by accident more than a few times. . . you name it, I've done it. It's been a fun hobby (and I've LOVED reading all kinds of wonderful books), but maybe the original good idea just got away from me. As you can imagine, this has also been a very expensive hobby for me -- truthfully I can hardly walk into Barnes and Noble without spending $40 (at least).
Amusingly enough, I recently spoke to this friend (who I had lost touch with for a few years) and found that she now has a Kindle and has given away nearly all her books. She said that she'd be surprised if she owns more than 10 books right now! Wow. So who's winning? We both still have hundreds of books, but she gets most of hers online for free (she reads a ton of classics) and never has to care for them in any way! And she appears to be saving a lot more money on her reading than I am.
I'm sorry to say, I have this same trouble with fabric, yarn and magazines. I obviously have some serious issues with this subject!
Maybe you too have a hobby that has gotten away from you. Do you buy the latest gadget or newest thing, JUST BECAUSE? Is it time to pull the plug?
Here are some ways to curb your reflex hobby spending:
1. Avoid stores that sell what you crave
2. Avoid people who encourage you to buy more of this item
3. Organize what you have so you'll know what you truly need in this area of your life
4. Take stock of your stash and decide to enjoy what you already have
5. Ask for this type of item as gifts from others
6. Walk away
For instance, when my children were very young, one of my dear friends casually mentioned that she liked to own every book she read. I had never thought of this before, but suddenly decided this was a FANTASTIC idea, and latched right on to it. Janssen and Merrick (and everyone who knows me at all) can attest that I have spent the past 20+ years purchasing hundreds of book -- actually probably more that that. In fact, very few things make me happier than spending time in a bookstore and walking out with a new book or two. However, these books have come with a cost -- above and beyond the purchase price. I have to shelve them, sort them, dust them, move them, alphabetize them, give them away, throw some away, and I've even forgotten about some and purchased duplicate copies by accident more than a few times. . . you name it, I've done it. It's been a fun hobby (and I've LOVED reading all kinds of wonderful books), but maybe the original good idea just got away from me. As you can imagine, this has also been a very expensive hobby for me -- truthfully I can hardly walk into Barnes and Noble without spending $40 (at least).
Amusingly enough, I recently spoke to this friend (who I had lost touch with for a few years) and found that she now has a Kindle and has given away nearly all her books. She said that she'd be surprised if she owns more than 10 books right now! Wow. So who's winning? We both still have hundreds of books, but she gets most of hers online for free (she reads a ton of classics) and never has to care for them in any way! And she appears to be saving a lot more money on her reading than I am.
I'm sorry to say, I have this same trouble with fabric, yarn and magazines. I obviously have some serious issues with this subject!
Maybe you too have a hobby that has gotten away from you. Do you buy the latest gadget or newest thing, JUST BECAUSE? Is it time to pull the plug?
Here are some ways to curb your reflex hobby spending:
1. Avoid stores that sell what you crave
2. Avoid people who encourage you to buy more of this item
3. Organize what you have so you'll know what you truly need in this area of your life
4. Take stock of your stash and decide to enjoy what you already have
5. Ask for this type of item as gifts from others
6. Walk away
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Dec 3, 2010
Decorating For The Holidays On A Budget (Merrick)
I love decorating for Christmas, but every year I struggle with our small space, the additional cost on top of gifts, and good ideas that aren't tacky.
Despite my past failed attempts, I was determined to come up with something good. So this year I turned to my new best friend, the dollar store. The store closest to me is The Dollar Tree, and they have an excellent selection of Christmas items -- all for only one dollar! So after a little inspiration from blogs, I made my way to the store and picked up a few fun things. Let me show you what I ended up with:
[three ornament packs, two Dollar Tree vases, one vase I already owned, ribbon from Christmas last year, serving platter I already owned]
[half a pack of ornaments, vase I already owned, candle I already owned, ribbon from last year]
[2 Dollar Tree vases, 1/2 a pack of DT ornaments, 2 packs of DT candy canes, ribbon from last year]
[old picture frame, free printable art from a blog]
[vase I already owned, berry branches from my front yard spray painted white and sprinkled with glitter]
I'm really happy with how these decorations turned out. They're classy and pretty, and best of all I spent less than $10 on everything. It is possible to decorating for the holidays without blowing your budget!
How are you saving on your holiday decorations this year?
Despite my past failed attempts, I was determined to come up with something good. So this year I turned to my new best friend, the dollar store. The store closest to me is The Dollar Tree, and they have an excellent selection of Christmas items -- all for only one dollar! So after a little inspiration from blogs, I made my way to the store and picked up a few fun things. Let me show you what I ended up with:
[three ornament packs, two Dollar Tree vases, one vase I already owned, ribbon from Christmas last year, serving platter I already owned]
[half a pack of ornaments, vase I already owned, candle I already owned, ribbon from last year]
[2 Dollar Tree vases, 1/2 a pack of DT ornaments, 2 packs of DT candy canes, ribbon from last year]
[old picture frame, free printable art from a blog]
[vase I already owned, berry branches from my front yard spray painted white and sprinkled with glitter]I'm really happy with how these decorations turned out. They're classy and pretty, and best of all I spent less than $10 on everything. It is possible to decorating for the holidays without blowing your budget!
How are you saving on your holiday decorations this year?
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Dec 1, 2010
Saving on Holiday Shopping (Janssen)
I cannot believe it is December. . .this year has RACED by for me.
And now the holiday shopping season is in full swing. Which likely means at least some shopping.
Two things to help you save a little money this year:
First, my annual plug for Ebates. There are about 1200 participating stores and you get cash back from any purchase you make through Ebates. Just sign up for a free account (you also get a bonus $5 or a $10 gift card for signing up) and then navigate to the store through the Ebates website, then make your purchase as normal. And voila, some percentage back of your purchase price. You'll get a check in a couple of months. I checked earlier this week and over the last couple of years, I've made over $250 (in fact, I have my most recent check for $26 in my purse waiting to be cashed at this very moment). And that's for someone who doesn't do a ton of shopping online. I'm never one to say no to free money.
Second, I just found out about ShopRunner, a program that works much like Amazon Prime (where you pay a yearly subscription fee and then you get free two day shipping on your purchases). Shoprunner works for a number of stores (right now the list is somewhat limited, but it does include Borders, Babies R Us, Toys R Us, The Sports Authority, etc) and if you purchase a membership, you get free shipping with all those stores. But, of course, who wants to pay $79 for that privilege?
As I mentioned, I don't do a lot of online shopping, so I would never pay for an account, but I was certainly happy to sign up for the free 30 day trial. I got three books for five dollars and didn't pay a dime of shipping last week and then I made a HUGE note in my dayplanner to cancel my membership before the 30 days is up. If you're ordering Christmas gifts through any of the participating stores and you can remember to cancel your membership before you get charged, you can get all your shipping free and fast with the 30 day trial. No minimum purchase and, at least at Borders, even items from other sellers (including used items) qualify for free shipping. Also, you can get free return shipping on any purchase, so if you sign up now, you'll still have a few days after Christmas to return things as needed before your free membership expires.
Let me say it again, though, don't forget to make a note to cancel it before you get charged! Spending $79 to save $50 on shipping isn't saving money.
And now the holiday shopping season is in full swing. Which likely means at least some shopping.
Two things to help you save a little money this year:
First, my annual plug for Ebates. There are about 1200 participating stores and you get cash back from any purchase you make through Ebates. Just sign up for a free account (you also get a bonus $5 or a $10 gift card for signing up) and then navigate to the store through the Ebates website, then make your purchase as normal. And voila, some percentage back of your purchase price. You'll get a check in a couple of months. I checked earlier this week and over the last couple of years, I've made over $250 (in fact, I have my most recent check for $26 in my purse waiting to be cashed at this very moment). And that's for someone who doesn't do a ton of shopping online. I'm never one to say no to free money.
Second, I just found out about ShopRunner, a program that works much like Amazon Prime (where you pay a yearly subscription fee and then you get free two day shipping on your purchases). Shoprunner works for a number of stores (right now the list is somewhat limited, but it does include Borders, Babies R Us, Toys R Us, The Sports Authority, etc) and if you purchase a membership, you get free shipping with all those stores. But, of course, who wants to pay $79 for that privilege?
As I mentioned, I don't do a lot of online shopping, so I would never pay for an account, but I was certainly happy to sign up for the free 30 day trial. I got three books for five dollars and didn't pay a dime of shipping last week and then I made a HUGE note in my dayplanner to cancel my membership before the 30 days is up. If you're ordering Christmas gifts through any of the participating stores and you can remember to cancel your membership before you get charged, you can get all your shipping free and fast with the 30 day trial. No minimum purchase and, at least at Borders, even items from other sellers (including used items) qualify for free shipping. Also, you can get free return shipping on any purchase, so if you sign up now, you'll still have a few days after Christmas to return things as needed before your free membership expires.
Let me say it again, though, don't forget to make a note to cancel it before you get charged! Spending $79 to save $50 on shipping isn't saving money.
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Nov 29, 2010
Gifts That Make a Difference (Carole)
You'll remember a couple of weeks ago, I wrote about being able to spend your money on fun adventures occasionally, because you are usually frugal.
Well, right now I'm writing this post in the beautiful country of Honduras. My husband, 14 year old son and I have been blessed to be part of a group of 100 doctors and dentists and their older children who have provided medical care and dental work for about 450 young men and women who could never afford it otherwise. It has been a life-changing experience for all of us. This is another reason to be frugal: so you can help others. Possibly it's the best reason.
We've talked about being part of a group like this for over 20 years, and finally were able to make it a reality. I hope one day each of you has an experience like this in your lives. This has been a Thanksgiving we will never forget. In fact, we hope to participate again next year.
It's been a busy 10 days of wonderful service where we truly received more than we gave. In that same mode, I'm sharing a great post from Get Rich Slowly of truly thoughtful and helpful (and frugal) gifts that can be given during the holiday season.
I hope you enjoy these ideas as much as I did.
Well, right now I'm writing this post in the beautiful country of Honduras. My husband, 14 year old son and I have been blessed to be part of a group of 100 doctors and dentists and their older children who have provided medical care and dental work for about 450 young men and women who could never afford it otherwise. It has been a life-changing experience for all of us. This is another reason to be frugal: so you can help others. Possibly it's the best reason.
We've talked about being part of a group like this for over 20 years, and finally were able to make it a reality. I hope one day each of you has an experience like this in your lives. This has been a Thanksgiving we will never forget. In fact, we hope to participate again next year.
It's been a busy 10 days of wonderful service where we truly received more than we gave. In that same mode, I'm sharing a great post from Get Rich Slowly of truly thoughtful and helpful (and frugal) gifts that can be given during the holiday season.
I hope you enjoy these ideas as much as I did.
Grandma probably doesn’t want another scented candle, but she could very well use a ride to the store. Your underemployed nephew would likely prefer a little help filling the pantry instead of a jokey T-shirt. And the sister who’s staying home with her kids may not be able to afford any extras just now. Instead of dropping $40 on a sweater, why not put that money toward a membership to the local museum?
You’ve still got a few weeks to think about Christmas gifts. Make this the year when you pick presents that actually help. I’ve put together a list of items that save the recipient money or fill a specific need. Prices range from as little as $5 to upwards of $50 or more — and some of the suggestions will cost you little except time. . .Read The Article Here
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Nov 26, 2010
Giveaway Winner!
Well, I'm probably not the only one who thoroughly enjoyed reading through all the giveaway comments. I thought it was especially nice that you all took a moment to think about what you were grateful for -- what a great reminder for all of us.
Anyway, without further ado, our winner of Dave Ramsey's book is:
Conntess, who said...
I'm grateful that I can afford helping others financially. I'm grateful that I can be a SAHM for a while.
What wonderful things to be grateful for!
Email us your address at frugalwifewealthylife@gmail.com and we'll get your book sent off to you! Congratulations!!
Anyway, without further ado, our winner of Dave Ramsey's book is:
Conntess, who said...
I'm grateful that I can afford helping others financially. I'm grateful that I can be a SAHM for a while.
What wonderful things to be grateful for!
Email us your address at frugalwifewealthylife@gmail.com and we'll get your book sent off to you! Congratulations!!
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Nov 22, 2010
Should Your Teen Have a Job? (Carole)
Janssen's last post about buying your teenager a car, brought up the subject of teenagers working during their high school years. My goodness there were some very strong opinions of this subject! So, of course, I'm going to bring it up again and really get those strong feelings flowing.
As Janssen mentioned, high school jobs are mandatory at our house. I remember spotting the "Help Wanted" sign in the local Cold Stone ice cream shop and telling Janssen about it when she was just turning 16. A few days later, she girded up her loins and marched in to ask for a job application. Despite the fact that she probably looked 13 years old, they hired her -- and eventually Merrick, Landen and just about every other friend they had! She was the gateway employee for probably a dozen kids this Cold Stone store hired during the next 2 years.
The girls ended up holding a number of different jobs during their high school years including regular babysitting gigs, early morning paper route, ice skating sink guard and instructor, working in their dad's dental office doing some assisting/front desk/errands (endless errands)/computer /janitorial work, and who could forget J's short, but painful stint at the Krispy Kreme donut shop?
My own lack of work experience during my high school years was what convinced me that a job was a good thing. Like many of you, my parents told me that my schooling was my job (even though both of my older siblings had held jobs as teens -- not sure why I was different). Me, being somewhat lazy and a also bit fearful of new experiences, didn't complain. I did live up to my end of this bargain and earned myself a full-ride scholarship to the university of my choice -- however, I lost it after my first year. I also didn't work while attending college.
Later, I felt these decisions put me at a huge disadvantage in a number of ways:
I was determined that my children would have a different experience. And they did. I think they would all say that their work experiences during high school were as valuable to them as anything they learned in a classroom. (They can feel free to comment on this.) Each of them continued to be excellent students, learned some real life and financial lessons, entered college with thousands of dollars saved away, and had very impressive resumes.
As Janssen mentioned, high school jobs are mandatory at our house. I remember spotting the "Help Wanted" sign in the local Cold Stone ice cream shop and telling Janssen about it when she was just turning 16. A few days later, she girded up her loins and marched in to ask for a job application. Despite the fact that she probably looked 13 years old, they hired her -- and eventually Merrick, Landen and just about every other friend they had! She was the gateway employee for probably a dozen kids this Cold Stone store hired during the next 2 years.
The girls ended up holding a number of different jobs during their high school years including regular babysitting gigs, early morning paper route, ice skating sink guard and instructor, working in their dad's dental office doing some assisting/front desk/errands (endless errands)/computer /janitorial work, and who could forget J's short, but painful stint at the Krispy Kreme donut shop?
My own lack of work experience during my high school years was what convinced me that a job was a good thing. Like many of you, my parents told me that my schooling was my job (even though both of my older siblings had held jobs as teens -- not sure why I was different). Me, being somewhat lazy and a also bit fearful of new experiences, didn't complain. I did live up to my end of this bargain and earned myself a full-ride scholarship to the university of my choice -- however, I lost it after my first year. I also didn't work while attending college.
Later, I felt these decisions put me at a huge disadvantage in a number of ways:
* It took me a very long time to build up any substantial savings in my personal account
* I had to depend on my parents for most of my spending money & living expenses
* I didn't have a clear sense of what money was worth for many years
* No experience with co-workers and a boss
* No job interview experience
* No work experience as a 20 year old
* No resume
I was determined that my children would have a different experience. And they did. I think they would all say that their work experiences during high school were as valuable to them as anything they learned in a classroom. (They can feel free to comment on this.) Each of them continued to be excellent students, learned some real life and financial lessons, entered college with thousands of dollars saved away, and had very impressive resumes.
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Nov 19, 2010
Friday GIVEAWAY! (Merrick)
Since I usually associate months with the holiday that falls in that month, my mind has been on Thanksgiving the last few weeks. And because of Thanksgiving, my thoughts have mainly revolved around gratitude. It's a lovely thing to focus on, don't you think?
So in light of Thanksgiving, I thought it would be nice to share what I am grateful for from a financial standpoint (since that is the purpose of this blog).
Nearly a year ago, and four months before I gave birth to my little boy, I was laid off from my job. It was a tough time for all small businesses, so I completely understood that it was a necessary thing, but that didn't make the blow of losing 1/3 of our income any softer. However, little financial boosts began popping up here and there -- I sold some paintings, my neighbor started paying me to watch her baby, my husband was doing really well at work and his paychecks were bigger than ever, and the list could go on. So despite the cut in our income, our savings have continued to grow over this past year, and I am so grateful for that.
Today we're giving away a copy of Dave Ramsey's book, Financial Peace Revisited. It's a perfect book to have as we approach a new year -- what a better time to reevaluate your finances and get everything in order! To enter, tell us what you are grateful for financially, whether you celebrate Thanksgiving or not.
The giveaway will close next Wednesday, November 24th at midnight, and the winner will be announced the following Friday. Good luck!
So in light of Thanksgiving, I thought it would be nice to share what I am grateful for from a financial standpoint (since that is the purpose of this blog).
Nearly a year ago, and four months before I gave birth to my little boy, I was laid off from my job. It was a tough time for all small businesses, so I completely understood that it was a necessary thing, but that didn't make the blow of losing 1/3 of our income any softer. However, little financial boosts began popping up here and there -- I sold some paintings, my neighbor started paying me to watch her baby, my husband was doing really well at work and his paychecks were bigger than ever, and the list could go on. So despite the cut in our income, our savings have continued to grow over this past year, and I am so grateful for that.
Today we're giving away a copy of Dave Ramsey's book, Financial Peace Revisited. It's a perfect book to have as we approach a new year -- what a better time to reevaluate your finances and get everything in order! To enter, tell us what you are grateful for financially, whether you celebrate Thanksgiving or not.
The giveaway will close next Wednesday, November 24th at midnight, and the winner will be announced the following Friday. Good luck!
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Nov 17, 2010
Buying Your Child a Car (Janssen)
As far back as I can remember, my parents made it clear that they would not be buying me or any of my siblings a car when we got our licenses. If any of us wanted a car, we'd have to buy it ourselves.
In December of my senior year, the inconvenience of me not having a car (and having early morning seminary, school, daily play practice, and a part-time job) changed their minds. They bought me a car. It was a 10 year old car and it. . . .was not a great car. In a year, they probably put more money into it than they paid for it in the first place. (Needless to say, I loved this little car with all the ferocity a seventeen year old can muster).
Eventually, about a year after I went away to college and the car became Merrick's main transportation, they replaced it with a much nicer, new little red Hyundai and that car eventually went to my youngest sister who still drives it.
When I was driving my parents' cars, they paid for the gas and I paid a small portion of my insurance. When they bought me my own car, I was now solely responsible for the gas and paid a slightly larger portion of my insurance.
Although I could have afforded a car, I never ever ever considered buying one because doing so would have cost the vast majority of my savings and I was unwilling to do that. Better to drive the minivan.
Bart's parents also said they wouldn't buy their children cars. To the best of my knowledge, all but one of their children purchased their own cars while in high school (there is one amusing picture I've seen of four of the children lined up beside their four cars along the sidewalk in front of their home). Bart said he wasn't, for a moment, willing to not have his own car. He saw it as a complete necessity.
Of course, buying a car, insuring it (as a teenage boy), and paying for gas meant that practically every dime Bart made went directly to the car. He worked three jobs his freshman year in college. He paid a high price to have his own car, including having no savings.
Because this is an issue that was such a big deal to both of us in high school, we have talked at length about what we plan to do as far as cars go for our children (seeing as our daughter just turned sixteen weeks old on Friday, I think we have some time).
Our plan (which we reserve the right to alter) is to buy a car that our children can drive when they turn sixteen. It won't be a particularly nice car, but it'll be reliable and nice enough that we don't spend a fortune on upkeep. They'll pay for gas and part of their insurance. And when they go off to college, the car will stay with us and become the primary possession of the next child. They'll have some of the financial responsibility for a car, but not such a huge burden that it prevents them accumulating any savings or forcing them to work an enormous amount to shoulder the burden.
What about you? How did your parents handle a car? What do you plan to do with your children?
In December of my senior year, the inconvenience of me not having a car (and having early morning seminary, school, daily play practice, and a part-time job) changed their minds. They bought me a car. It was a 10 year old car and it. . . .was not a great car. In a year, they probably put more money into it than they paid for it in the first place. (Needless to say, I loved this little car with all the ferocity a seventeen year old can muster).
Eventually, about a year after I went away to college and the car became Merrick's main transportation, they replaced it with a much nicer, new little red Hyundai and that car eventually went to my youngest sister who still drives it.
When I was driving my parents' cars, they paid for the gas and I paid a small portion of my insurance. When they bought me my own car, I was now solely responsible for the gas and paid a slightly larger portion of my insurance.
Although I could have afforded a car, I never ever ever considered buying one because doing so would have cost the vast majority of my savings and I was unwilling to do that. Better to drive the minivan.
Bart's parents also said they wouldn't buy their children cars. To the best of my knowledge, all but one of their children purchased their own cars while in high school (there is one amusing picture I've seen of four of the children lined up beside their four cars along the sidewalk in front of their home). Bart said he wasn't, for a moment, willing to not have his own car. He saw it as a complete necessity.
Of course, buying a car, insuring it (as a teenage boy), and paying for gas meant that practically every dime Bart made went directly to the car. He worked three jobs his freshman year in college. He paid a high price to have his own car, including having no savings.
Because this is an issue that was such a big deal to both of us in high school, we have talked at length about what we plan to do as far as cars go for our children (seeing as our daughter just turned sixteen weeks old on Friday, I think we have some time).
Our plan (which we reserve the right to alter) is to buy a car that our children can drive when they turn sixteen. It won't be a particularly nice car, but it'll be reliable and nice enough that we don't spend a fortune on upkeep. They'll pay for gas and part of their insurance. And when they go off to college, the car will stay with us and become the primary possession of the next child. They'll have some of the financial responsibility for a car, but not such a huge burden that it prevents them accumulating any savings or forcing them to work an enormous amount to shoulder the burden.
What about you? How did your parents handle a car? What do you plan to do with your children?
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Nov 14, 2010
What are Your Top 5 Skills? (Carole)
Early in our marriage, David and I had a lively conversation about the Five Most Valuable Skills each of us possessed. I don't remember why this topic came up or how come we settled on the number 5. However, the subject still comes up every once in awhile, and it's interesting to see how some of our answers have changed over the years, but amazingly not too many -- those valuable skills have remained valuable!
Our definition of "valuable" is very loose. It could mean that you earn money with this skill, it could mean that you save money with this skill, it can mean that this skill brings you pleasure, or that you just find this skill to be extremely useful. The following lists are not in any particular order.
David's Top 5 Skills List:
1. Writing an outline
2. Writing a thesis statement
3. Typing
4. Public speaking
5. Wood working
Carole's Top 5 Skills List:
1. Playing the piano
2. Knitting/Crocheting/Sewing
3. Reading
4. How to paint a room
5. Typing
As we raised our children, we tried to keep this idea of Valuable Skills in mind as we signed them up for school courses, extra curricular activities, lessons, sports and also as we passed on the skills we personally had. What experiences and/or skills might turn out to bless their future lives? These will be among their most important assets and should not be ignored.
Take a few minutes and think about what you've learned through your life that has turned out to be valuable to you. I'd love to hear what some of your answers are.
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Nov 12, 2010
More Holiday Savings (Merrick)
Every Christmas since I’ve been married, I’ve wanted to send out holiday cards. I love receiving them, seeing updated photos, and reading the letters about the family during the past year. But my husband felt weird about sending them out when it was just the two of us.
This year we added a little boy to our family, so I convinced my husband it was finally time to send out cards. But once I sat down and made a list of people to send them to, calculated in the cost of cards (which ranged from $0.30-1.50 per card), envelopes, and postage (on top of all the other Christmas expenses), it was suddenly getting a little pricey.
So, of course, I went looking for a deal.
After a quick search, I discovered that Winkflash.com was giving away 50 free 4x6 prints (with $0.99 shipping) when you sign up. Then while purchasing ink cartridges at Office Max, I found 50 envelopes for 4x6 cards on sale for $5. I asked my friend if she would take a few family shots of us (which she did for free!), and then I put a little holiday pattern and note on the photo in Photoshop. And for a whopping $5.99 (plus postage), I have holiday cards!
This is not the one we're sending out -- I just whipped this one up as an example. Adding a festive border and some verbiage does not matter when ordering your free 50 prints as long as it's 4x6 and saved as one file, able to be uploaded to Winkflash's site just like a normal photo.
So even if you're cutting back this year, you can still send out holiday cards and not have to worry that it's a big expense.
This year we added a little boy to our family, so I convinced my husband it was finally time to send out cards. But once I sat down and made a list of people to send them to, calculated in the cost of cards (which ranged from $0.30-1.50 per card), envelopes, and postage (on top of all the other Christmas expenses), it was suddenly getting a little pricey.
So, of course, I went looking for a deal.
After a quick search, I discovered that Winkflash.com was giving away 50 free 4x6 prints (with $0.99 shipping) when you sign up. Then while purchasing ink cartridges at Office Max, I found 50 envelopes for 4x6 cards on sale for $5. I asked my friend if she would take a few family shots of us (which she did for free!), and then I put a little holiday pattern and note on the photo in Photoshop. And for a whopping $5.99 (plus postage), I have holiday cards!
This is not the one we're sending out -- I just whipped this one up as an example. Adding a festive border and some verbiage does not matter when ordering your free 50 prints as long as it's 4x6 and saved as one file, able to be uploaded to Winkflash's site just like a normal photo.
So even if you're cutting back this year, you can still send out holiday cards and not have to worry that it's a big expense.
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Nov 10, 2010
Chasing Interest Rates (Janssen)
Some of our friends told us last week that a new bank just opened in our town, offering 4% interest on checking accounts. Our checking account is currently earning about 1%.
There are several requirements (of course!), including having a monthly bill pay or direct deposit, and using the debit card twelve times a month.
We currently put virtually everything on our credit card in order to maximize our airline rewards, so this would mean making a concerted effort to use the debit card 12 times a month (I can just see myself buying twelve bananas, one at a time).
Basically, we would need to switch over entirely from ING because without having direct deposit and our checking account there, it wouldn't be feasible to make purchases from that account, and if our savings and emergency funds aren't there, we won't be making enough money to make it worth switching.
Normally, I am willing to jump through a lot of hoops to make or save money, but this one seems like a lot of effort and some major changes to our banking system. Especially when it is very probable that in a year or so, their interest rates will drop significantly. I'm kind of at an impasse on this one right. . .
What do you think?
There are several requirements (of course!), including having a monthly bill pay or direct deposit, and using the debit card twelve times a month.
We currently put virtually everything on our credit card in order to maximize our airline rewards, so this would mean making a concerted effort to use the debit card 12 times a month (I can just see myself buying twelve bananas, one at a time).
Basically, we would need to switch over entirely from ING because without having direct deposit and our checking account there, it wouldn't be feasible to make purchases from that account, and if our savings and emergency funds aren't there, we won't be making enough money to make it worth switching.
Normally, I am willing to jump through a lot of hoops to make or save money, but this one seems like a lot of effort and some major changes to our banking system. Especially when it is very probable that in a year or so, their interest rates will drop significantly. I'm kind of at an impasse on this one right. . .
What do you think?
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Nov 8, 2010
Dave Ramsey Books, CDs, DVDs and Software on Sale for $10
This is a yearly $10 special Dave Ramsey runs. I purchased a whole bunch of these as gifts last year.
Thought some of you might be interested!
Thought some of you might be interested!
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Get a Jump Start on Your 2011 Goals (Carole)
I know it's only November, but the holiday season is about to take over our lives (cooking, decorating, hosting, shopping, crafting. . .) and before we know it, it's New Year's Eve. So, I'm going to suggest you start thinking about your 2011 goals NOW. Tape a piece of paper to your bathroom mirror or refrigerator and begin brainstorming on what you'd like to accomplish in 2011.
Recently I ran across a short article by Dr. Adam Fraser, an educator in thought and human performance, based on the research of Dr. Stephanie Burns, who he describes as a "guru in the area of goal achievement." Here are a few points I thought were worth sharing with you as you begin your plans for the coming year.
First -- 85% of goals set are never achieved. I think this is good to know. Sometimes we feel like we're the only ones who can't stick to our plans past the 2nd week of January!
Second -- Having more time to dedicate to a goal has NOTHING to do with whether or not you will achieve it. This is one of those lies I tell myself every time I begin to lose steam on a goal I've set.
Third -- High self-esteem does not determine if you will achieve a goal. In fact, high self-esteem only only affects the SIZE of the goal that is set. And guess what? 85% of those grandiose goals are never achieved either. Keep your plans realistic for you.
Fourth -- This is the big Take Home Message. "Frequent and consistent action" are the key to accomplishing anything. That's it. Doesn't that make sense?
Tape that blank paper to the fridge or mirror. Begin thinking of goals (including financial goals) you would like to accomplish in 2011. Keep them reasonable and remember to take time to plan the frequent and consistent actions you'll need to accomplish them.
I like to start working on my new goals a week before Christmas. Then when New Year's Day arrives, I have nearly 2 weeks of success under my fledgling wings. It's an exhilarating way to greet January 1! (I also never stay up until midnight -- or beyond. I try to go to bed at a reasonable time and get up early and have a fabulous first day of the New Year).
Here are a few of my goals from 2010, and an accounting on how I did.
1. Join a book club (read books I wouldn't normally read and make new friends). Accomplished! And so much fun!!
2. Read 1/2 of the Old Testament. Nope. Hardly cracked the cover.
3. Arrange for all our insurance and investments to follow the Dave Ramsey guidelines. 35% done.
4. Dining Room Door saved for and installed. It's paid for, installed and looks stunning! This has been a goal for SEVEN years. I finally got it accomplished this year. I'm so proud of myself.
5. Start a financial blog with my girls. Yes!!
6. Lose 20 lbs. 50% accomplished. Better than nothing.
Recently I ran across a short article by Dr. Adam Fraser, an educator in thought and human performance, based on the research of Dr. Stephanie Burns, who he describes as a "guru in the area of goal achievement." Here are a few points I thought were worth sharing with you as you begin your plans for the coming year.
First -- 85% of goals set are never achieved. I think this is good to know. Sometimes we feel like we're the only ones who can't stick to our plans past the 2nd week of January!
Second -- Having more time to dedicate to a goal has NOTHING to do with whether or not you will achieve it. This is one of those lies I tell myself every time I begin to lose steam on a goal I've set.
Third -- High self-esteem does not determine if you will achieve a goal. In fact, high self-esteem only only affects the SIZE of the goal that is set. And guess what? 85% of those grandiose goals are never achieved either. Keep your plans realistic for you.
Fourth -- This is the big Take Home Message. "Frequent and consistent action" are the key to accomplishing anything. That's it. Doesn't that make sense?
Tape that blank paper to the fridge or mirror. Begin thinking of goals (including financial goals) you would like to accomplish in 2011. Keep them reasonable and remember to take time to plan the frequent and consistent actions you'll need to accomplish them.
I like to start working on my new goals a week before Christmas. Then when New Year's Day arrives, I have nearly 2 weeks of success under my fledgling wings. It's an exhilarating way to greet January 1! (I also never stay up until midnight -- or beyond. I try to go to bed at a reasonable time and get up early and have a fabulous first day of the New Year).
Here are a few of my goals from 2010, and an accounting on how I did.
1. Join a book club (read books I wouldn't normally read and make new friends). Accomplished! And so much fun!!
2. Read 1/2 of the Old Testament. Nope. Hardly cracked the cover.
3. Arrange for all our insurance and investments to follow the Dave Ramsey guidelines. 35% done.
4. Dining Room Door saved for and installed. It's paid for, installed and looks stunning! This has been a goal for SEVEN years. I finally got it accomplished this year. I'm so proud of myself.
5. Start a financial blog with my girls. Yes!!
6. Lose 20 lbs. 50% accomplished. Better than nothing.
What goals did you work on this year? How did you do?
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