CWAHM Devotional

Do Life DifferentDo Life Different
Work-at-home mom: take a deep breath and Do Life Different as you allow these devotions for work-at-home moms to fill the vacuum of your needy heart in the chaos of your busy world.
 
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May
17

101 Tips to Help Your Budget (and YOU) at Home – #100 & 101

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101 Ways to Help Your Budget and You at Home

 

100. Cut Out Haircuts
Now, we don’t want to go crazy here and have everyone running around with long shaggy hair, but it is possible to cut out expensive haircuts. You can, of course, choose to grow your hair out. Or you can purchase an inexpensive haircutting kit (such as this one on Amazon) and do cropped haircuts (both my son and husband allow me to cut their hair this way).

 

101. Reuse Old Stuff
In the end, one of the simplest ways to save money is to not buy new stuff. Find creative and useful ways to reuse what you already have. For instance, create tennis racket mirrors, candy themed pouches and even trash can tables.

 

Read the entire series here!

 

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May
15

101 Tips to Help Your Budget (and YOU) at Home – #97, 98 & 99

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101 Ways to Help Your Budget and You at Home

97. Go Natural
Consider planting a garden to save on the cost of fresh fruits and vegetables. It can be as simple as a garden box with tomato plants or as big and full as you can fit in your yard! Do some research on what grows well in your geographical area and what time of year to plant different items and then get to digging.

 

98. Create a Price Book
Know a good deal when you see one by creating a price book. “A price book is simply a list-a list of items that you normally buy, and what their lowest prices are at the stores you typically shop at. With this list, when you happen upon a possible “deal”, you will be able to quickly and simply tell if it will actually save you money.” Read more about how to create a price book here.

 

99. Washable Wins
Napkins, diapers and other disposable items can easily be replaced by washable cloth versions to save money. To reduce costs even further, create your own reusable napkins and diapers from inexpensive cloth or items you already have at home.

 

Read the entire series here!

 

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May
13

101 Tips to Help Your Budget (and YOU) at Home – #94, 95 & 96

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101 Ways to Help Your Budget and You at Home

94. Snack in Bulk
While they are convenient, buying the snack-size bags of crackers and cookies is often much more expensive. Instead, buy snacks in bulk and divide up into snack size portions and put in individual baggies for easy snacking.

 

95. Go Old School
While modern conveniences seem like the only way to things at times, there are tried-and-true (usually cheaper) ways to do things. For instance, consider line-dry clothing instead of using the dryer. Install a line in your laundry room or even hang them outside if the weather permits.

 

96. Trash It
Consider recycling or composting to save money on trash service. Or, if you have a pick-up or trailer, you could even haul your own trash to the dump instead of paying for someone else to do it.

 

Read the entire series here!

 

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May
10

101 Tips to Help Your Budget (and YOU) at Home – #91, 92 & 93

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101 Ways to Help Your Budget and You at Home

91. Use Cash only
Studies show that people who shop using cash only – no credit or debit cards – spend less overall. The next time you grocery shop, try setting a budget and pulling that amount of cash out to use. See if you can spend only what you have – or less!

 

92. Avoid Gimmick Pricing
Stores work hard to be clever and their pricing games are one way that they try to entice you to buy more than you need. If your local supermarket has a “10 for $10” campaign, know that you don’t normally need to buy 10 products to get their sale price.

 

93. Party at Home
I know the trend is to have kids’ birthday parties at fun places like the theater, roller skating rink or local gymnastics training center, but consider having birthday parties at home instead – even if it’s just every

 

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May
08

101 Tips to Help Your Budget (and YOU) at Home – #88, 89 & 90

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101 Ways to Help Your Budget and You at Home

88. Carpool, Bike or Walk
If you are able, consider biking to work or to the store. Or, if possible, carpool with others when heading to work, church or even the grocery store. Taking the kids to the park? Walk instead of driving.

 

89. Know When To Go
Going to the movies can be expensive, so find out when your local theaters offers matinee pricing and opt to go during those hours. It may not seem like a huge savings at the time, but every dollar ads up.

 

90. Cancel Your Plans
That gym membership you pay for, but don’t use … cancel it. That online movie plan that you forgot you had – cancel it. Find ways that your budget may be leaking money and cut those things out.

 

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May
06

101 Tips to Help Your Budget (and YOU) at Home – #85, 86 & 87

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101 Ways to Help Your Budget and You at Home

85. Make Your Own
We see more and more DIY ideas, so why don’t we put some of them into practice. For us work-at-homers, here’s a great article on 10 Ways to Make a Cheap Standing Desk – http://www.wisebread.com/healthy-workplace-10-ways-to-make-a-cheap-standing-desk

86. Pay Online
Cut out the cost of stamps and checks by paying online. Most bills can now be paid online through the store or company’s website or through your local bank’s website. In fact, in many churches you can even tithe online.

87. Price Match
“Price Match wherever you can! There are a number of stores that price match, and I’m not just talking groceries! Go price match crazy with movies, clothes, housewares, electronics, music, video games, and food!! Gas and time count for something too and the fewer places I have to go to get the deals I want, the better!”

– Anne Bennett
www.momsdrivenfromwithin.com

 

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May
03

101 Tips to Help Your Budget (and YOU) at Home – #82, 83 & 84

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101 Ways to Help Your Budget and You at Home

82. Save Money on Homeschool Supplies
If you’re a homeschooling parent, here is an article with great ideas and tips for saving a few dollars on supplies: 5 Ways To Save on Homeschooling

83. Raise Deductibles
Consider increasing home and auto insurance deductibles and you could save upwards of 25% on your policy.

84. Be Prepared
“Use Transaction Envelopes! I swear by these! If there is one or more complex coupon transactions (i.e. I will be stacking coupons and/or using “store points” like at Walgreens) I like to write out the list of items, less coupons and “point” value on the front of an envelope right down to my tax and total, so I know exactly how much I’ll be paying out of pocket for each transaction. I then put the coupons for the transaction in the envelope! It save me time and makes me feel less frazzled at the register! This also helps me to stick to my list of what I am getting. If there is a great deal that I just can’t pass up, I pencil it in on my envelope. (Even if my tax amount is a little off, I have a pretty good idea of my total.)”

– Anne Bennett
www.momsdrivenfromwithin.com

 

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May
01

101 Tips to Help Your Budget (and YOU) at Home – #79, 80 & 81

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101 Ways to Help Your Budget and You at Home

79. Save Money At Amazon
I came across this great article a few days ago full of tips on saving money on Amazon. If you’re like me and do quite a bit of shopping via Amazon, there are lots of helpful tips: 16 Secrets to Saving Money At Amazon.com

80. Don’t Throw Away Your Weekly Shopper
“Use the coupons inside of your weekly shopper! These are delivered (via mail or newspaper delivery depending on where you live) for FREE so everyone that you use saves you money with no cost to you!”

– Anne Bennett
www.momsdrivenfromwithin.com

81. Know When To Shop
There are certain months that you can get great deals on specific items and so knowing when to shop can save you lots of money. For instance, many airlines offer great deals in January; March brings many sales in sports stores eager to empty their shelves to get ready for the summer sports boom; and August is the best time to buy swimwear.

 

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Apr
29

101 Tips to Help Your Budget (and YOU) at Home – #76, 77 & 78

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101 Ways to Help Your Budget and You at Home

76. Consider Your Paper’s Worth
“If you are getting a Sunday paper, USE the coupons inside!! Since the value of coupons have gone down significantly, I cannot in good conscience recommend getting one or multiple newspaper subscriptions for coupons alone. The savings should be factored in with the amount spent on the subscription; if your newspaper subscription (that you would not otherwise get) is costing you more than you are saving with the coupons inside, than it is NOT saving you money!”

– Anne Bennett
www.momsdrivenfromwithin.com

77. Do Some Research
There are lots of ways to lower household bills, including your grocery bill. Do some research online to find ideas of what other people have done to lower their bills. Here’s a starting point – a great article I found on 25 Ways To Lower Your Grocery Bill.

78. Check Your Mortgage Insurance
When you purchased your home, you may have been required to pay for private mortgage insurance (PMI). However, when your loan balance hits 80% you can request that this be terminated. Check with your lender to see where your loan stands.

 

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Apr
26

101 Tips to Help Your Budget (and YOU) at Home – #73, 74 & 75

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101 Ways to Help Your Budget and You at Home

73. Challenge Property Taxes
The National Taxpayers Union says that more than 30% of homeowners may be paying more property taxes than necessary. They advise to study your property assessment for any mistakes and, if necessary, file an appeal with your local assessor.

74. Use Your Freezer
Think ahead and buy extra bread, hard cheeses, fresh fruits and vegetable, and meat. These can all be frozen and used at a later date.

75. Find store coupons
“Most big box grocery and retail stores have their own coupons only redeemable at their chain of stores either available online or on location at their stores. Some stores allow you to used these in ADDITION to manufacturer coupons for a single item, this is usually referred to as “stacking” (i.e. a $.50 Target coupon for Brand X jelly could be “stacked” with a $.75 manufacturers coupon for Brand X jelly, making the total savings per jar of jelly $1.25.)”

– Anne Bennett
www.momsdrivenfromwithin.com

Bonus Tip From a reader: “Save Water. Shower with your husband!” LOL!

 

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