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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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Archive for 101 Tips to Help Your Budget (and YOU) at Home

101 Ways to Help Your Budget and You at Home

 

28. Kids Meal Deals
“Go out to eat to places that offer deals for the kids. For example, our local restaurant, Fire House Subs, offers a free kids meal (sandwich, chips, drink and dessert) for each paying adult.” Doing some quick research ahead of time to find meal deals can save you cash and over time, it can really add up.

– Roshanda Pratt
www.facebook.com/REPCommunicationsNetwork

29. Insider Specials
Saving money doesn’t have to be all work and no play. Check out websites like TheGroceryGame.com to find specials deals and members-only information on sales trends – and turn your savings plan into a fun activity that you look forward to working on.

 

30. Check Your Deductible
CWAHM reader Tricia Kongos offers us this tip to help cut down on auto expenses, “Cut down on auto insurance bill by increasing deductibles.” Make a call to your auto insurance agent today and ask about reducing your deductible. Make sure to get all the details on what a reduced deductible will mean to help determine if the cost savings are worth the trade-off.

 

Do you have a money saving idea that you’d like to see featured in this CWAHM series?
Fill out this form to submit your tip!

Read the entire series here!

 

 

101 Ways to Help Your Budget and You at Home

 

25. Switch Drinks
CWAHM reader Tricia Kongos offers this tip: “Order water to drink at restaurants instead of soda.” This will not only cut down on your bill every time you eat out, but will also eliminate calories from your diet.

 

26. Use Expiring Items
Make a point to put food items that are nearing their expiration front and center so they will be used first. A study by by the Natural Resources Defense Council reports that Americans throw away roughly 40% of their food, which equates to roughly $2,275 a year for a family of four.

 


27. Slash Your Cable Bill

“Get rid of Cable or Satellite TV-between free air stations (your local stations) and options like Roku, Apple TV, and the like, you can watch many show and movies for a fraction of the cost of cable! Subscriptions to Hulu Plus (regular Hulu is free on you computer), Netflix and similar services are less than $10 a month! It’s worth looking into-we cut our satellite bill from $120/month to $19/month!!”

– Anne Bennett
www.momsdrivenfromwithin.com

 

Do you have a money saving idea that you’d like to see featured in this CWAHM series?
Fill out this form to submit your tip!

Read the entire series here!

 

 

101 Ways to Help Your Budget and You at Home

22. Make a monthly budget
“ If you don’t know the magic number of how much you spend each month on food, clothing, gasoline, car washes, eating out, etc., you’ll never know where you can trim the fat and save money! You might not realize that your family spends $400/month on fast food and restaurants until you take the time to add up each transaction!! Then you can decide if that’s a reasonable amount for your budget or if you need to lower that amount! It’s so much easier to SAVE money when you know WHERE it’s all going!”

– Anne Bennett
www.momsdrivenfromwithin.com

 

23. Count The Cost
Before you buy groceries or other items in bulk, check the cost per unit (CPU) to determine which is truly the better bargain. I noticed this recently when our grocery store had crackers on sale. It ended up being cheaper for me to buy 3 small bags of the crackers (which were on sale) instead of the “family pack” (that equated to the same amount as the 3 small bags) at regular price.

 

24. Freeze It
“Freeze meals or extras. I recently make cupcakes but had too much. I froze the rest and pulled out later for a treat.”

– Roshanda Pratt
www.facebook.com/REPCommunicationsNetwork

 

Do you have a money saving idea that you’d like to see featured in this CWAHM series?
Fill out this form to submit your tip!

Read the entire series here!

 

 

101 Ways to Help Your Budget and You at Home

19. Shop Off-season
This tip comes from Roshanda Pratt, CWAHM’s Media Director. Roshanda says that to save money she often shops in the off season, for example buy winter clothes in the spring, etc.

– Roshanda Pratt
www.facebook.com/REPCommunicationsNetwork

20. Keep It Cool
CWAHM reader Tricia Kongos shares one way that her family has found that helps save money by keeping heating costs down in the winter: “Turn thermostat down in the winter and wear a sweatshirt!” I bet some of your reading are glad you live in warm climates! 🙂

– Tricia Kongos

21. Use Rewards
Mother of four Anne Bennett gives this great tip: “Use reward cards!! Now, I’m not talking about credit cards, but the free reward cards that you can accumulate points on for $ off! Especially if it somewhere you shop regularly! Some cards can also be used to load digital coupons on top of your regular savings as a card holder.”

– Anne Bennett
http://www.momsdrivenfromwithin.com/

 

Do you have a money saving idea that you’d like to see featured in this CWAHM series?
Fill out this form to submit your tip!

Read the entire series here!

 

 

  1. 101 Ways to Help Your Budget and You at Home

16. Homemade Soap
Another way to keep a little extra cash in your wallet it to make homemade hand soap. There are hundreds of recipes and ideas out there, but here’s one to get you started: http://www.mnn.com/lifestyle/responsible-living/stories/easy-homemade-soap

17. Cut Out Vices

This one seems simple, but actually putting it into practice can be much more difficult. However, cutting out vices like smoking, liquor, etc can save you hundreds of dollars a month. If your vice is something you’ve done for years, consider asking a friend to hold you accountable or seek out a treatment program at a church or ministry near you.

18. This tip comes from a fellow CWAHM:
“Jill, one of the ways I am able to save money by staying at home is that my family is able to eat my home cooking rather than getting a bite on the run on the way home. It makes us healthier, also.
I use the crockpot a lot to give me the most time to work on my home projects and meals are hot and ready when we are. This year I bought 3 crockpot cookbooks to help me come up with new ideas. Often I use the old favorites but modify them. Such as cooking the taco mix in the crock pot and adding the shells, lettuce, tomatoes and cheese etc at the table.”
– Kathy Wilson
TipsToAHealthierYou.info

Do you have a money saving idea that you’d like to see featured in this CWAHM series?
Fill out this form to submit your tip!

Read the entire series here!

 

 

101 Ways to Help Your Budget and You at Home

13. Cut Out Fast Food
This one is SO hard for me. I love to bake, but cooking is not one of my favorite things to do. However, eating out adds up QUICK. So, to save some extra money each month, consider cutting out as much away-from-home eating as possible. Make it a game and see how many meals you can eat at home and then reward yourself in some inexpensive way.

14. Stop Spending
In our culture, living on less can be very difficult. We’re bombarded with new things that we “need” and new gizmos that we must have in order to be successful. For the next month, challenge yourself. Set a goal to only spend $25 a week (or whatever amount your family agrees on) and see how well you can do!

15. Cut Out Soda
I’m nearing the year mark since I’ve had soda. Not only has our budget increased by around $50/month, I’ve also lost weight. What more can I say to convince you that those sodas that taste so good are not worth the calories or the $$.

 

Tune in tomorrow for the next installment of 101 Tips To Help Your Budget (And You!) at Home.

 

Read the entire series here!

 

 

Mar
04

101 Tips to Help Your Budget (and YOU) at Home – #10, 11 & 12

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101 Ways to Help Your Budget and You at Home

10. Make Your Own Jewelry
Sometimes a girl needs a little sparkle and jewelry can do just that. Jewelry, however can be pricey and many times it’s “unnecessary” things like this that get cut when the budget needs to be trimmed down. So, why not learn how to make your own jewelry? Find ideas and how-to’s online and create your own masterpieces – many times using items you already have on hand!

11. Take Up Canning
What better way is there to keep expensive fruits and veggies on hand than to can them? A good friend of mine handed me some canned apple butter this past fall and I fell in love with the idea of canning. She cans many different foods, from homemade apple butter to vegetables and even pickles! If you’re unsure how to get started, ask around at church or do some research online.

12. Make Products You Would Normally Buy
In an effort to both cut costs as well as control the ingredients going into the foods her family eats, a friend of mine began making her own versions of things like marshmallows, graham crackers, and spaghetti sauce. Now she makes just about everything from scratch – and you can, too.

 

Tune in tomorrow for the next installment of 101 Tips To Help Your Budget (And You!) at Home.

 

Read the entire series here!

 

 

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Mar
01

101 Tips to Help Your Budget (and YOU) at Home – #7, 8 & 9

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101 Ways to Help Your Budget and You at Home

7. Shop Thrifty

One fun way to save money is to buy second-hand. Shop thrift stores for great deals on home decor, kids clothing, all kinds of things! I was looking for new lamps for our guest room a few weeks ago and didn’t want to spend a fortune on a room that only gets used a few times a year. I stopped in at our local Goodwill and found a set up lamps for less than $10. I plan to spray paint them to freshen them up and add some matching lampshades that my parents gave me. Wah-lah! Less than $20 for a set of pretty lamps for my guest room.

 

8. Learn To Sew
Clothing can be very expensive, especially as often as we have to buy our kids clothes as they grow. In addition, sewing can allow you to create your own gifts, cleaning cloths – all kinds of things! If you don’t know how to sew, consider asking one of the women at your church to show you the basics. A few quick lessons can open up a whole new world for you.

 

9. Make Your Own Candles
Another great way to add items to your own home, as well as create gifts for others is to create your own candles. You can find directions online and even how-to videos on YouTube. A sweet friend of mine makes her own candles. She uses them for gifts and even brings in some income by selling them.

 

Tune in tomorrow for the next installment of 101 Tips To Help Your Budget (And You!) at Home.

 

Read the entire series here!

 

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Feb
27

101 Tips to Help Your Budget (and YOU) at Home – #4, 5, 6

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101 Ways to Help Your Budget and You at Home

 

4. Sell Used & Unwanted Items
Another way to save some money is to sell your unused and unwanted items and use that cash to buy groceries or other necessities. This can be a little time consuming, so if possible, set aside a day each month to make returns.

 

5. Cut Out A Car Payment
When I first began working from home, we quickly realized that we had more bills than we had money for. 🙂  One solution that we came up with was to sell one of our fairly-new cars to get rid of the car payment. Now, I still needed to be able to get around during the day and so we opted for the cheapest (yet still reliable) car that we could find.
I drove that 97 Oldsmobile – peeling paint and all – until it just wouldn’t run anymore. And by that time it was several years and we were able to finance a car to replace it.

 

6. Buy Ahead
Christmas & birthday shopping can be detrimental to your family budget. I’m still working on this particular skill, but I have friends that shop all year for these occasions in order to get the best deals possible. They also say that it helps by giving them additional time to come up with unique/creative gifts. Instead of rushing around at the last minute, let’s challenge ourselves to shop ahead this year and save some $$.

 

Tune in tomorrow for the next installment of 101 Tips To Help Your Budget (And You!) at Home.

 

Read the entire series here!

 

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Feb
25

101 Tips To Help Your Budget (And You!) at Home

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101 Ways to Help Your Budget and You at Home

Contrary to what many believe, working at home isn’t all about making money. A big part of being a work-at-home mom (or dad) is finding ways to save money. For the next 30 days or so, we’ll be sharing ideas to help you keep more money in your wallet.

1. Cut Cable
One of the first ways that we began cutting costs at home was to go through all of our bills and see which of them we could eliminate. Cable was one expense we found that we could cut out fairly easily. We did eventually add it back in years later, but have now cut it out again because it’s just not an expense that makes sense for us. This past Christmas, our kids had trouble even making Christmas lists because they said they never saw commercials, so they didn’t know what they wanted. 🙂

2. Cook More
Another way we helped make ends meet when I first began staying home full-time was to eat at home for as many meals as possible. I found it helped me to want to cook if I tried out new recipes from time to time. There are lots of websites where you can recipes and websites like MarthaStewart.com even offer cooking lessons via video.

3. Homemade Cleaning Products
Making your own cleaning products may sound like a chore (pun intended), but it can be easy and effective. A couple of weeks ago I accidentally melted some wax paper onto a cookie sheet (that I had just gotten for Christmas…). My mom advised that I sprinkle baking powder evenly over the cookie sheet, then pour a layer of vinegar on and then let it sit. Worked like a charm and cost me $0 as I already had both ingredients in my kitchen.

You can find lots of ideas and “recipes” in places like Pinterest. I also found some recipes here (but haven’t had a chance to try them out yet).

 

Tune in tomorrow for the next installment of 101 Tips To Help Your Budget (And You!) at Home.

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