Simplify To Save

Saving money the simple way
June 6th, 2012 by Amanda Jayne

The Secret To Saving Money And Simplifying

Pssst. Come closer. Closer. I’m going to share with you my secret-the secret to saving money.

This is the biggest, most explosive thing you will ever hear. It will change the very way you live your life.

Do you want to save money?

Really, really want to save money?

What about simplifying? Do you want to reduce clutter, cut back on the amount of time you spend rushing around, and really have time to relax?

Well, here it is.

My secret to saving money and simplifying.

Are you ready?

Stay home.

Wow, that was earth-shattering, wasn’t it?

The fact is, saving money and simplifying your life doesn’t have to be a complicated process. There are simple steps that you can take to improve your finances and your life, and the easiest is to just stay at home.

If you don’t go to the store, you don’t spend money. Sure, you have to buy groceries and necessities, who doesn’t? But I’m talking about the mindless, endless shopping that many people engage in. The constant window shopping, looking through catalogs, becoming convinced that you “need” that new shirt, car, toy, or electronic.

Go shopping with a specific need in mind, and shop to fill that need. Don’t buy extra stuff. Your wallet and your clutter free house will thank you later.

What’s your simple secret to saving money?

Print Friendly
June 4th, 2012 by Amanda Jayne

Monday Mix 6/4/2012

12 Ways To Save On Groceries

Even though I know all the tips on this list, some weeks go by where I’m not really applying all of them. Good reminders!

You Don’t Need Money To Start A Side Business

Since I’m working on a number of ideas for small side businesses, this was a great reminder. You don’t need to sink a bunch of money into an idea to get it going.

Print Friendly
June 1st, 2012 by Amanda Jayne

Cheap Ways to Relax During Summer

It’s June, the sun is shining, and summer is upon us! Everyone is talking about their fun summer getaways, and it can be very discouraging when you’re on a tight budget. Vacations simply may not be possible as you work toward your saving goal.  Should we just give up and sit inside, simmering in front of our fan? No, far from it! The solution is to get out and find fun things that you can do that won’t break the bank.

I’ve come up with a few ideas for fun, inexpensive activities that we can enjoy this summer. Saving money and having fun, what could be better?

1. Hit the beach

We often overlook the easiest and cheapest summertime activity-the beach! While others may be heading off to tropical getaways, you can usually find a beach to enjoy right in your hometown. If you live in an area without access to a beach, look for a pool. Often you can find a local pool that is either free or available for a small membership fee.

Once you find your beach, be sure to keep it simple. Pack a bag at home and stick to the essentials. There’s no need to go overboard! We don’t need to invest in fancy rafts and elaborate beach chairs. All you really need to start is a towel, sunscreen, and bathing suit, and you can work your way up from there. Be sure to pack a cooler if you think you’ll be hungry. Bringing food from home is always the cheapest bet!

If you have small children, like I do, they can’t get enough of playing in the sand. It’s tempting to go out and buy a bunch of beach toys-but that defeats the purpose of saving money! Keep your eyes open at yard sales and end of season sales for cheap toys, or go shopping at home! Empty yogurt containers, milk jugs, or other plastic containers work great for beach toys.

2. Go hiking

Look for your local state or national park, and see what kind of hiking trails they have. For an easy hike all you need is decent shoes and a water bottle, and perhaps a few snacks. As you get more experienced, you can explore more difficult trails and really get a taste of nature.

Hiking is a great activity to do with friends! If you ask around, you might find friends that share the same love of strapping on a pack. Asking others to show you the ropes is a good way to get to know someone better, and they might introduce you to some great trails you never would have found.

3. Explore your local library

When was the last time you visited your library? If you’re like me, it’s been way too long. Libraries are not only a wonderful, free place to check out books, movies, and dvds, they are often the hub of the community. Many host or advertise local events that are upcoming, and are a great place to connect with others.

4. Go for a bike ride or walk around the neighborhood

How long have you lived in your neighborhood? Can you say that you really know it? Or do you just get in your car and drive away? There is no better way to really explore your local area than to do it on foot or on a bike. Slowing down and taking the opportunity to explore new roads, routes, or trails can really open your eyes to how exciting your town may be.

When you go out on your ride or walk, be sure to leave the earbuds at home. If you truly want to get to know the neighborhood you must be using all your senses to explore! You might find a little roadside fruit stand, or a new place to sit and enjoy the sunset. Focus your attention on what’s going on around you, and you will be in for a relaxing treat.

5. Plan a staycation

This could be another post in itself! We spend so much time in our own town that we often overlook how interesting it actually is. Look at your local area from the viewpoint of a tourist. What are the places they absolutely must see? Go check them out! Local events, like farmers markets and craft fairs, can be an exciting way to learn more about your own area while having a fun day out.

The key to a staycation is not just to say, “I’m pretending to be on vacation”, it’s actually doing it! Treat your home like a condo you’ve rented, and think about all the things you would want to do if you didn’t have other responsibilities weighing you down. Don’t use this time to deep clean the stove and rearrange the furniture! Go out and get brochures, research ideas online, and ask around. If someone approached you, told you they were visiting, and asked what they local attractions they should visit, what would you tell them?

The lesson here is to think outside the box.

Just because we cannot afford to go on an expensive vacation to the Caribbean does not mean that we can’t have fun, right here at home! Don’t focus on what you can’t be doing, focus on what you can be doing. Having fun is not about spending money, it’s about spending quality time doing things you love.

What are some inexpensive ways you relax during the summer months?

Print Friendly
May 30th, 2012 by Amanda Jayne

Do You Have A Savings Goal?

Why are you simplifying?

Why are you trying to save money?

For my family, that answer is easy. We have little kids and we want to be able to help them with things down the road, like a car and college. We eventually want to have a home in the country. We want to be able to go on more family vacations. We can’t do any of these things while we are struggling to pay off debt. Right now, our savings goal is can be summed up in a few simple words: get out of debt.

What is a savings goal? To me, it has a double meaning.

First of all, what are you saving for?

You might have more than one initial answer to this, and that’s okay. You could be saving for a car, a house, a vacation. Your goals could be smaller-you might be saving for a new TV or even for a particular book or movie. No matter how small or large your goal may be, it’s important to have at least one-and sometimes several.

Secondly, what is another meaning for the word “saving”? To rescue!

When we are trying to save money, some days are harder than others. Sometimes it’s easy to say no, to stick to the budget and resist the temptation. Other times it’s a bit more difficult. Another meaning for the term “savings goal” is, what is saving you from going crazy? What is saving you from giving in? This goal!

So how do you go about setting a saving goal?

To set a goal, any goal, you need to keep a few things in mind.

1. Pick your dream goal and break it down

What is it that you are ultimately working for? For us, we want to have what you would call “financial freedom”. We would like to be debt free, able to save some, and able to live a modest life with a little extra money. We have no goals of expensive cars, giant homes, or fancy jewelry. So pick your extreme, out there goal and note that down.

Once you have your goal, take it and divide it up into small pieces that you can work on individually. For example, for us, our first goal is to get out of debt. You might have to divide it up several times, into even smaller, more manageable pieces. Make sure you make your initial goal small enough that you can see the light at the end of the tunnel! Once you have achieved your initial goal, you can then choose what small goal you want to tackle next, as you slowly chip away at your dream goal.

2. Keep your goals in front of you

If you are to achieve a goal, you must keep it in mind constantly. Write down-everywhere! Note milestones on your calendar, put post its on your computer, set reminders on your phone. If you can, take or create a picture of your goal and keep it somewhere highly visible.

Working with a very tight budget as you try to pay off debt? Create an alternate, dream budget that shows what your life would be like without debt. Comparing the two side by side will help to motivate you.

3. Work hard, play hard

Don’t let yourself burn out on your savings goal! Make sure you leave some money and energy for recreation. Create a category in your budget for fun, and you’ll find that you will be far more inclined to stick to your guns when it comes time to scale back in other areas. Splurging on the occasional treat will really perk you up, and you will learn to regard things such as dinners out and trips to the movies as an exciting perk in your trip toward your goal.

Set your savings goal and stick to it! With a little perseverance and hard work, you can make your goals a reality.

Print Friendly
May 28th, 2012 by Amanda Jayne

Monday Mix 5/28/2012

It’s hard to believe June is almost here! I’m so excited for this summer and I can’t wait to get it started.

 

Plan a Frugal Camping Trip

We have at least one camping trip planned for the summer, so this is great advice! Be sure to read the comments for more helpful info.

Start Digging Out of Debt Today

We accrued a substantial amount of debt before we really woke up and became determined to be debt free. There’s some wise words in this post.

Tips for Staying Under Budget

To stay out of or get out of debt you really need a budget! A short but good post about staying under budget.

Fried Rice Recipe

Fried rice is one of my favorites! This is a great recipe that uses up leftovers and is healthy and cheap.

 

Print Friendly
May 22nd, 2012 by Amanda Jayne

The Stupidity Of Stuff

Have you ever looked at an old photo of yourself and wondered what on earth you were thinking when you got dressed?

Oh, I know I have. I could include some old photos of myself, but I don’t want to scare you off. Too short, too long, too dark, too light, too baggy, too tight, the list could go on forever. We have all made bad fashion choices in the past, and we’re sure to make them again in the future. But do you think that you could name your biggest fashion mistake, the one thing that you just know you never should have purchased? I know I can. I can even show you a picture. Check it out:

jeans1
Oh, I know. They don’t look bad at first glance, do they? Dark wash, nice details, cute buttons.
jeans2

They’re flares, they’re long enough, and they have hidden pockets. All things that I require when I’m buying pants.

But yet, despite all the positives, I consider these to be my worst clothing purchase ever. Why?

 

jeans3

 

Because they still have the tags on! This is the only item of clothing that I have ever bought and then never wore. Never even tried them on, because they never fit me, not even close. Why did I buy them, then, you ask? Let me tell you the story.

It was a sunny winter afternoon three years ago, right after I had given birth to my first child. I was hungry, tired, cranky, and seriously underdressed. I had nothing but sweatpants and maternity clothing to wear, and I felt like all the cute had gone out of me and settled upon my newborn son. Trapped at home during a 6 week, doctor ordered quarantine, keeping my tiny baby away from the bad flu season, I turned to online shopping. I added a couple shirts and a pair of jeans to my cart, after carefully measuring to make sure they would fit my new body shape. Then the magical words popped up on the screen! What were they? “Free shipping”? “25% off”? Nope.

Buy one, get one half off. 

Say what! Half off my second pair of jeans? There was no way I was passing up this deal! I hurried to add another pair to my cart, but I hesitated over the size. Surely I would lose this baby weight quickly…what was the point of buying two pairs of jeans in a size I was only going to be for a short time? The second pair of jeans ended up in the cart bearing my “ideal weight” size, and so started this tale of the worst purchase ever.

It’s not just that I bought a pair of jeans that were the wrong size, or that I was hopeful about losing weight. The bad thing about this story is that I bought something that was completely useless to me. Of all the things you should never buy, useless items are at the top of the list! Clothing that is too small is never going to make you feel good, it doesn’t have some mythical weight loss motivation quality, and it is never a good purchase at any price. Even though those jeans were cheap, they cost a lot in mental irritation. And the worst part? I still refuse to throw them away, because one day they might fit!

The bottom line? If you don’t love it, don’t buy it. It’s just not worth it.

 

Print Friendly
May 21st, 2012 by Amanda Jayne

Monday Mix 5/21/2012

 

Make Your Own Wood Countertops

We are renting right now, so this isn’t an option for us. But I love the idea of how redoing the countertops creates such a different look, at such a low price! Awesome!

DIY “Renters” Backsplash

Speaking of which…we are renting right now! This backsplash is and easy and inexpensive way to spruce up a rental kitchen.

Questions to Ask At Your Farmer’s Market

Now that we’ve moved to Lower Michigan, this is going to be my first summer in an area with several thriving farmer’s markets. I have no idea what to expect! I’m excited that we might get some local, fresh produce, and possibly save some money. I loved the article, and I’m so glad that it was reposted, because I’d never seen it before!

5 Ways a Cash Budgeting System Will Change Your Life

Who has moved to cash? We have started using cash for all of our groceries and spending money, and it does work. I’m planning on my first cash only vacation in a couple weeks.

Print Friendly
May 14th, 2012 by Amanda Jayne

Monday Mix 5/14/2012

Happy Monday everyone! It’s a bright and sunny day here in Michigan, a nice change from all the pouring rain and cold weather we’ve been having. Spring? Are you finally here?

A couple things I enjoyed this week:

10 Homemade Kitchen Cleaners

As we move toward simplifying our home, as well as saving money, I’m trying to make more things from scratch. I was so excited to get a dishwasher when we moved into our new place-but have you seen the price of dishwasher detergent? YIKES! This recipe is at the top of my list to try.

7 Reasons Your Kitchen Counters Are Cluttered

You got me! My kitchen counters are always covered in a mix of random items, that really only serve the purpose of getting in my way. When you have a small kitchen anyway, you have to be super diligent!

 

Print Friendly
April 23rd, 2012 by Amanda Jayne

Monday Mix-4/23/2012

A few things I loved this week!

The Kommandant’s Girl and The Diplomat’s Wife, both by Pam Jenoff. Seriously, I loved these books! I read them both within two days, and I’m now on the lookout for more Pam Jenoff novels. (Note: Amazon affiliate links in use)

How We Meal Plan For Our Clan

I’m pretty sure I link one of Jen’s posts every time I do a Monday mix, but this one about meal planning was really interesting and inspiring. It’s similar to the way I do things but I got a few tips as well! Planning out your meals can really save you a lot of time and money, and it only takes a short chunk of time every week.

Craigslist 101

This is an older article, but I just reread it this week and it had TONS of great info. If you live in an area where you can buy/sell on Craigslist, this is a great starter guide.

10 Easy Natural Household Switches

I’m always looking for ways to care for our household in a more natural way-and this post has an extremely easy, comprehensive list of places to start. More natural and most will save you some cash too.

 

 

 

Print Friendly
April 13th, 2012 by Amanda Jayne

Inside The Malden

Ah, don’t worry! I wasn’t going to leave you hanging. After my teaser yesterday, I was fully intending to share with you the in depth details of how I have set up my Filofax Malden. I just like a bit of suspense now and again.

My setup is very similar to the way I had it in my A5-with the most notable differences being in the finance section and the calendar. I’ve moved to a day per page calendar-which is awesome, by the way-and I’ve gotten a fold out year on a page to keep track of my finances. This works much better than the crazy sticky note thing I had going on before.

I’ve kept some of my A5 dividers, but I’ve cut them down so as to accommodate the new size. The dividers themselves are nothing special, I’ve spiffed them up a bit with scrapbooking paper but that’s it.

I have five dividers-one is in the collage twice, that’s how much I like it. That or it’s an error that I can’t figure out how to fix. Anyway! Upon opening the Filo, I’m greeted with a lot of…stuff.

On the left, I have some miscellaneous papers that I need to keep track of and a few organizing goodies-some stick on pockets and the zip pocket contains paperclips. The pocket on the right is a bit of an experiment. I just added it yesterday in hopes that it would work for my needs, which it seems to be doing so far. I wanted it there as an easy place to keep track of my grocery list and coupons, and although it’s a bit thick it seems to be working out okay. This way I know that I won’t forget either when I head to the store.

Behind the pocket, there are a few pages of info, my registration sheet, my personal info, my sticky note insert, and a few blank note sheets.

My first tab is titled “Money”, and if you can’t figure out what that means, you need to be reading another blog. There is no help for you here.

I don’t have a lot of info behind this tab, and I’ve considered possibly eliminating it-but then where would I put those few sheets of info? I’m in a quandary. There’s some budget info, a list of our monthly bills, but most importantly I have a year on one page fold out calendar that I use to keep track of our bills.

This is a pocket size, which is quite silly actually. It was intended to go into a pocket Piazza that I bought with the deluded idea that I could downsize further, which obviously never happened. I hated the pocket size but I love the year on one page, so since I already had it I figured I might as well use it. (Psssst….if you are interested in a blue pocket Piazza….I have one listed on Ebay right now. Go for it!) This fold out setup is wonderful for bills-I need a very small space to note the company and amount due, and it’s extremely helpful to be able to see the entire month alongside the other months.

The next tab is titled “Home”, which is where I keep track of my daily, weekly, and monthly tasks, as well as a daily routine. I store these in clear plastic pockets, so if I desire I can cross things off using a dry erase marker without ruining the list itself.

Behind that is my “Kids” tab, which is not used very often but is indispensable when I do need it. My kids are little so I don’t have any schedules, lessons, etc to keep track of, but I do keep a running list of clothing needs and a few notes about homeschooling resources. The main use of this tab is to have a space to keep track of their medical record. I have written down all of the information from each pediatricians’ visit they have gone on-weight, height, and percentile. I also have a few extra notes, such as the date my daughter was diagnosed with epilepsy and the date we found out that my son was allergic to amoxicillin. This is an easy way to not only compare their growth, but also is important if anything should ever happen to me. Sure, my family knows the basics of the kids’ medical problems, but if I were ever to be incapacitated for a length of time the grandparents could access this info and get the details. It’s also helpful when switching pediatricians.

Now we get to the meat of the Filofax! The schedule tab is last, and I keep track of a lot of information on my day on a page planner. I have appointments, reminders, to dos, and my menu plan on these pages. I do color code, but it still gets a bit confusing at times.

You can see on the left hand page that I have an errand day planned for today, thus it is highlighted in gray. I have a separate grocery list but I do keep a running list of little things I want to keep an eye out for, such as a new ironing board. I’ve also got a short to do list of errands. The sticky notes are shoved in there, and are not written directly on the page mainly I want to be able to remove them later.

On the right is a good example of my menu plan, which I really should do a post on sometime soon. I mainly plan for the breakfasts and evening meals, and leave the mid day meals up in the air. I buy a few basic items for lunches and otherwise we just have leftovers, so I really don’t need to write that down.

This set of pages, for the beginning of May, shows a bit how I plan in advance. I plan meals twice a month and write them out on the page so I know exactly which groceries to buy when I go on my semimonthly shopping trips, the next of which is scheduled for May 1st. The blue flag at the top is there so I can easily flip to the beginning of each month.

Finally, the very end of the Filo has a few business card pages (containing business cards, shocker) and a plastic envelope that holds stamps.

There you have it, my personal Malden setup. It’s working for me now…but in studying these photos, I see a lot of room for improvement. Perhaps another reorganization is in my future? Hmmm..the possibilities!

 

Print Friendly