A Penny Saved is a Penny Earned

A Penny Saved is a Penny Earned -
Benjamin Franklin

Tuesday, September 27, 2016

Emergency Fund

The recommendation for an emergency fund is to save at least enough to live off for six months. For most of us, this isn't feasible, but don't let that discourage you. Try instead putting away at least $500 ($50 a month).
Each year, increase the monthly amount.

Monday, September 26, 2016

Ingredient Substitutes

I came across a blog post today on The Balance for ingredient substitutes. If you've been following my blog, you know that I suggest using items you already have instead of running to the store (you won't come back with just one thing!).

Take a look at Make Your Own Ingredients

Sunday, September 25, 2016

Home Decorating on a Budget

When decorating your home, patience will save you a lot of money. Don't rush out and impulse buy items. Instead, have an idea of what you want for a room. In a folder, keep magazine pictures of rooms you like.Start by choosing colors, perhaps a pillow or curtains or a decorative item/vase. The rule of thumb is to use three colors in a room. Use your pillow or decorative item as a guideline. Take a picture on your phone to refer to when shopping. If you have painted the walls or have a colored carpet or rug, take pictures of those also. Take measurements. Decide what size side table, coffee table, or furniture you want. Search yard sales, Craig's list and charity stores. Let friends know what you are looking for and enlist their help in your quest.
Note: Instead of pictures, I use a small photo book (from the dollar store) and slip pieces of material, paint chips and pictures in that and take it with me when I go shopping or go to yard sales. I also list measurements of things I'm looking for.

Saturday, September 24, 2016

Gift Paper/Packaging

Instead of tossing gift paper, put it through the shredder and use it for gift baskets and packaging.

Friday, September 23, 2016

Child Care/Babysitting

Babysitting can be expensive. If you have neighbors or friends with children of similar ages to yours, work out a babysitting schedule, where you can trade off a date night evening or even time to go grocery shopping. If you're going out with friends, ask your babysitter if they are willing to also watch your friend's children, it will often result in a lower amount per child to be split between you.

One neighborhood organized summer day camps by each parent taking a week of "vacation" and taking care of all the neighborhood kids saving thousands of dollars.