My husband and I have worked hard to make ends meet with one salary. Just recently, though, we have found the expenses starting to stretch the seams of our carefully sewn budget. For that reason, I was excited to interview Jonni McCoy, author of Miserly Moms. She has great suggestions and practical wisdom. Jonni is also joining our home economics column as a regular contributor. In this issue, she will give us ideas for the holidays, and future columns will include getting out of debt, fun vacations, and teaching children financial responsibility We are pleased to have her expertise here in The Old Schoolhouse Magazine. Welcome Jonni!
TOS: Jonni, I am glad to get a chance to talk with you. We have lived frugally for years, but it doesn’t seem to be getting easier. I know our children are getting older, which impacts the food budget, but I think it must be more than that.
Jonni: It is easy to lose your momentum—to get stuck in thinking, “I need to have this,” or “I have done without this long enough.” We get tired. It is hard work, and it takes a lot of commitment.
TOS: Can you tell me the story of how Miserly Moms began?
Jonni: Sure. I was working full-time, making a little more than half of our income in Silicon Valley. I felt convicted to be at home with my son, but I couldn’t see how I could give up my whole income. I figured I would work part time, but I still had the conviction that I was supposed to stop work completely. I kept putting it off, but finally, the conviction was so strong that I up and quit. My husband and I thought we were going to have to move, and we put our house on the market, found another house and were ready to go. Then I said, “I don’t want you commuting that far, and I don’t want to live there.” We took our house off the market, and my husband asked, “What do you want to do now?” I said, “I don’t know. I’ll figure out a way to make it work.”
Then, my husband challenged me, “I’ll give you four months to realize it won’t work, and then we will move.” I scrambled to find every way to save and make it work. I hadn’t been raised frugally, so this was a whole new journey for me. I started keeping a notebook, and every time I read something or thought of an idea, I wrote it down. Groceries were going to be the biggest area, so I worked on that a lot. I showed my husband that it was going to work, and we stayed put.
About a year or so later, I was in a playgroup with other moms. They had a newsletter, and they asked me if I would like to share what I had learned by writing a column. Over the years, people kept asking for copies of the newsletter, and my husband said, “We could put all of those columns in a little booklet.” We self-published a sixty-page booklet, ran ads across the nation, and did very well. We had advertised with Great Christian Books, and they asked, “We are going to start a publishing division. Would you like to be one of our first books?” I added some more information to make it more than sixty pages and off it went. Bethany House is now the publisher.
TOS: You were able to cut half of your costs?
Jonni: Yes, and all in expensive Silicon Valley. We lived in a tiny townhouse, with only one bathroom for the four of us, and we owned older cars with no car payments, but we did it.
TOS: What advice do you give to families that are trying to live on one income?
Jonni: The largest place we were able to save money was groceries, so I would spend a good portion of time there. That is why I spent half of the Miserly Moms book on groceries. We found a couple of hundred dollars there, and used that money for other expenses that we couldn’t trim. There are smaller ways that you can make dents: with your cars, entertainment, and educational choices. I would begin by taking a hard look at where the money is going. Keep track of all your expenses, every single receipt, for two months.
For tracking, use whatever works. If you already own Quicken software, that is a great way to keep track. Remember, every check and every ATM receipt needs to be categorized. If you don’t own software, I would just throw every receipt in an envelope and at the end of the period, you can just take a piece of paper, choose your categories, and put each expense in the right category. Ask the questions, “Is that where you want to be spending your money? How can we be trimming down? Where do we need to sacrifice?”
TOS: I imagine it is an eye-opening exercise.
Jonni: It is amazing. The first time we did this was eleven or twelve years ago. Back then, I was spending $35 a month on fast food. I was just getting one hamburger for my son and one hamburger for me, but, it is amazing how much it adds up. When I saw that, I said, “We can eat at home, not run errands during lunch or bring something with us if we are going to be out.”
TOS: What about families that have a large debt or that have a large purchase they need to save for? What kind of strategies do you recommend?
Jonni: It is pretty much the same. You are going to have to use frugal tips in order to get that money out of the budget. Another thing to remember is to buy only what you need.
TOS: One of the biggest parts of frugality is defining what a true necessity is.
Jonni: People do think they need things they can easily get by without. I know friends that do not have mini-vans, even with kids, because they know they can get by with a four-door sedan.
TOS: Let’s talk about your book, Miserly Meals. Why did you write this particular book?
Jonni: It was to dispel the myth that frugal food is gross. I spend so much time talking about groceries in Miserly Moms, and there are people who say, “I am not going to go there because I am not going to feed my family unhealthy food.” I wrote Miserly Meals to prove that you could have tasty, nutritious meals that don’t cost very much. Each meal had to be seventy-five cents or less per serving, plus there had to be a nutritional analysis to show that they were sound. Then, they had to go through five taste chefs in order to pass the test. I often get asked, “Well, what do you eat? How can you feed your family on that much money?” I have to say, I probably eat the same things they do. It is just that I let the sales dictate my menu and I will stock up on sales and freeze the extra. I am still having chicken, rice and broccoli, but I am probably paying $2.00 for my meal instead of $7.00 for a meal.
TOS: You talk about the food ads in the newspapers. Is it safe to assume that everything on the front page of a food ad is a good deal?
Jonni: Yes, the front and the back of those ads are called “loss leaders.” The middle pages may or may not be, but the front and the back pages are usually really good deals. Sometimes the stores are even losing money on those items in order to get you in the store.
TOS: So, if I am starting to keep a book of food prices, I can use these ads for good prices?
Jonni: Yes, it is a great place to begin.
TOS: Do you recommend shopping at warehouse clubs?
Jonni: I have been able to do as well—or better—with sales at the grocery store. There are a few items—like computer supplies, office supplies, clothing, and batteries—whose prices I cannot beat anywhere else. However, if you have a problem with self-control, don’t go. It is not worth it.
You can purchase Jonni’s three books, Miserly Moms, Miserly Meals, and Frugal Families from her website at www.miserlymoms.com. There you will find a lot more information on frugal living. Some of us need cost saving assistance and some of us need help with debt reduction, but all of us can find ideas in Jonni’s books that can save us money immediately.
We have included some of Jonni’s favorite suggestions for savings, and a couple of recipes from Miserly Meals, published by Bethany House. I think we can all see that she will have great things to contribute to our Home Economics class in the months to come.
1) Don’t eat out—you will pay five or six times more for it.
2) Find free or inexpensive entertainment ideas. Go to free factory tours, free museum events, walks in the park, bike rides, picnics, rent free movies from the library, or save money by going to the first showing of the day at the movie theatre.
3) Give up convenience foods. They can cost up to four times more than if you make it yourself.
4) Buy in bulk.
5) Buy your paper products on sale at the grocery store, not in the warehouse stores.
6) Buy clothes at the thrift store.
7) Go to garage sales in the richer neighborhoods.
Re-think your vacations. Try to avoid trendy vacation spots and find the local historical things in your state. They are much closer and usually cheaper.
Additional suggestions from the Wheeler family:
We live in the historic gold rush area of California. Each Christmas season, our town has a free stagecoach ride through the main street and alleyways of downtown. We have dressed up in Western costumes and enjoyed every minute of our free ride. My guess is that many towns and cities have free Christmas programs or activities to take advantage of.
We try to participate in giving to those in need each year. We have participated in Operation Christmas Child, sponsored by Samaritan’s Purse, and we give annually to our Compassion children. We have provided home-baked rolls for food closet recipients and sent secret gifts to friends experiencing hard times. These all remind us that we have so much to give, and that there is great joy in the giving.
Our annual Christmas breakfast is a puffed oven pancake called Dutch Babies. We make up an oven-full, and they bake while we are opening our stocking presents. Our favorite topping is powdered sugar and lemon juice, although for our daughter’s recent birthday, we added fresh peaches and blueberries for a colorful and delicious addition. The ingredients are inexpensive and the puffed pancake is dramatic—have everyone seated when you bring it to the table.
ABOUT THE AUTHOR:
Diane Wheeler, chief contributor to TOS’s Home Ec column, and her husband John have five children. Diane enjoys gardening, photography, working in her art journal, corresponding with friends, reading, staring out her favorite window, and laughing – all with a mug of dark roast decaf withing reach.
Copyright 2005. Used with permission. The Old Schoolhouse Magazine. Right now, 19 free gifts when you subscribe. www.TheHomeschoolMagazine.com