Posts tagged bugets

Money Monday’s

Summer Fun

 The birds are singing, the flowers are in bloom and school is out. It is official – summer is here and with it the words that send the fingers of dread dancing down every parent’s spine ~ “There’s nothing to do. I’m bored.” 

 Looking for ways this summer to avoid the infamous phrase without breaking the bank? Here are a few low budget and fun ideas.

             1.  Picnic and nature hunt.

 Pack a picnic of favorite finger foods and bike, hike, or walk to a nearby location (park, meadow, river bank, etc).    Below are three examples of various nature hunts for different ages.

                        -“It looks like nature” nature hunt.  This is ideal for younger children.  Before hand, gather pictures from old magazines and paste them in a small steno tablet. Give each child a table and pencil.  Have them look for the object that matches the picture.  I.e. a bird’s nest or a flower.

                          -“The ABC” nature hunt.   This activity is geared for older children.  Each child will need a small notebook or paper on a clipboard and pencil . The child must find an object that begins with the letter.  Have them write their finding in the notebook or on the paper, for example: A – acorn, b – bee, etc.   For the more uncommon letters of the alphabet have them locate objects that make the shape.  For example, two stick’s crossing for an ‘x’. 

                         -“A photo” nature hunt.  If you have an older child that likes to take pictures this one will be a winner.  Have them take pictures of things that begin with the letters of the alphabet.  Then they can then make a slide show for the entire family to view.

             * Remember to remind children to leave nature as is.

         2.  Once upon a time.

                         This is a great indoor rainy day activity.  

                         -For younger children – make a Once Upon A Time collage.  Pick a theme like If I could have a 100 dogs…(paste pictures of the types of dogs they would have).

                         – Make a dream scrap book.  Materials needed: Old magazines, inexpensive small photo albums, scissors, and makers. Give each child a photo album.  Tell them they are to make a dream book.  Some ideas:

                                    Dream vacation ~ where would they go and what would they do.

                                    Story (When I visited Mars or the Day I saved the world)

            Have them label the pictures and share their dream book with the family.

 

             3.  Cardboard Tree House.  

                         This activity has no limits.  Call a local appliance store and ask them to set aside a refrigerator, washer, or dryer box. 

                        Tape the boxes together, cutting out holes in the top and on the sides for windows.  Kids can decorate them with makers, paint, or crayons.   Boxes can also be taped together to form one large room.   We made a ship out of one for my son.   He was a pirate for weeks.   The boxes can be made into tunnels, castles, or space rockets – this activity truly has no limits.

         4.  Feed the birds.

                         Mix ½ cup peanut butter with 1 ½ cup bird seed.   Have the kids mold it into different shapes.  Make a hook out of a paperclip and hang them from trees.  Younger children can track how many birds visit. For older ones check a bird book out of the library that features local birds.  See how many they can identify.  

         5.  Make your own fireworks.

                         Color a large piece of poster board or other heavy paper with bright color crayons (red, oranges, blues, etc.)  The colors need to be heavy for this to work. 

                        Then paint over with black poster paint.   After the paint dries, have the kids lightly scratch off the paint to form a design.

                        Every firework display needs music.   To make rattlers, fill old plastic butter bowls with a variety of small objects, i.e. pebbles, rocks, macaroni, etc.  Tape lids securely and cover with paper.  You can use either plain paper that the children decorate, the Sunday comics, or wrapping paper.

         6.  Local libraries

                         Local libraries offer wonderful summer programs.  Ours has a traveling zoo and children’s flea market.

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Money Monday

Before I begin this post, let me remind everyone I’m not thirty because I want to be.  It was born out of necessity and continues out of it. 

I’ve blogged about a couple of ways to save money and discussed what a bargain is. So this week, I thought what the heck let’s actually talk about money on money Monday.

There is a ton of suggestions on how to build your savings account.  From paying yourself, to skipping the cup of Starbucks in the morning to keeping all change in a jar. 

Most of these don’t work for me personally or many of my friends.  There just isn’t enough money to pay myself…it’s just not there.  I don’t do Starbucks and I generally need the change to cover a bill. 

However, I do HAVE a couple of ways to save. I don’t have a budget really; we live pretty much on a what comes in goes out for bills life.  But of course there are the ‘flexible’ things…i.e. groceries.  (Are you seeing a pattern here – — most of my post deal with food in one way or another.) 

If at the end of the month we have any money to save, this is where it comes from.  I have a set amount that I can spend each week/bi weekly/monthly on food (this includes soaps, dog food, cleaning products anything along those lines).  I have 120 dollars set aside.  Now, if you’ve read my past post you know I’m a coupon clipper and buy only what is on sale.  My local store summarizes what my savings are between the two.  I’ve had it suggested I save that amount because without the effort we wouldn’t have saved that.  Again, I don’t coupon or sale shop because it’s a hobby, so I don’t have the 50 to 60 dollars I usually save, if you do – BANK IT!!!!

When the end of the month rolls around and whatever I have left in the ‘food’ envelope is deposited directly into our savings.  Sometimes it is two dollars; sometimes twenty and other’s it’s nothing.  Regardless of the amount I deposit it.  Those two and three dollars add up.  I also deposit all rebate checks into our savings.    

Another trick…I have our savings in a different bank.  Why?  Because then I can’t easily transfer funds.  Funny, how I never transferred money into the savings just out of.  Now, I really evaluate if we can’t squeeze it out and most of the time we can. 

So what are some clever ways you have devised to save money?

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Money Monday – Menu Making

First, let me say I’m sorry that I didn’t complete last week.  Major internet and computer issues, anyway, here we are on week number two. 

For this week’s Money Monday, it’s about menu making.  This was a concept I fought against with the same passion, as I would have a triple root canal in the same day.  But it does save money AND time.  My biggest ‘issue’ with this idea was ‘I don’t know what I want to eat in six weeks,’ which is true.  Yet, as a rule we pretty much eat the same things over and over again so this really isn’t that bizarre. 

Now you can find menu’s already planned out for you with shopping list all over the internet.  This wouldn’t work for me and I strongly suggest making your own.  Why?  Because no two families eat alike, so if you’re using a pre-made menu, it’s probably not the best fit for your family.  And if it’s not a good fit, we’re not going to want to use it.  For example, I’m the only in our house that eats fish and most pre-made menu’s include fish.  I either have to substitute that day or be the only to eat J.  Also, I have found when talking to people who have attended one of my menu making class, they also are less likely to follow a pre-made one for similar reasons.

Okay, let’s get to the root of the matter, how do menus save you money and time?  First, they eliminate what I call the ‘desperation drive-thru.’ That’s where the end of the day has come, you’re tired, and you’re on your home with absolutely no idea what to make for dinner.  So you whip into a drive-thru, problem solved and a lot of money spent.  This is adverted because you now know what you’re having for supper.  Second, major benefit is the money saving aspect.  You can buy only what is on sale because you know what you’ll be need for the next four weeks.

Let’s get started:  Materials needed – vary as much as the food eaten.  I’m going to use 3×5 cards and a small photo album for my demonstration.  But I know of families that have set up spreadsheets, word files or used a master list with sticky notes.  The main thing is to find something that works for your family.

 

 

Step #1 – List meals that YOUR family enjoys.  We eat tacos – a lot  – so I list those three or four times.  You should aim for 28 meals – remember it’s okay to repeat meals – more if you are including breakfast and lunch.  Another thing to keep in mind is that these are things your family eats, so if you have can soup and grilled cheese, put it down.  This list isn’t to impress Emeril. We’ll just focus on dinner for now.  Also if you now that some dish will have leftovers that you’ll eat later list this.

Step #2 – Divide your meals into categories – Ie. Quick, Hamburger, Chicken, Sunday.  This will help you arrange them so you’re not having 8 nights of chicken.

Step #3 – Write each meal on a 3x 5 Card and category.  I tend to leave two cards blank.  These are my random meals – birthday, holidays, go out to eat meals, etc. So each card will look something like this – Macaroni Cheese/ Hot Dogs & buns/ Green Beans.  Include desert or anything special that goes with that meal.  Like I included buns because sometimes I cut up the hot dogs and mix them into the macaroni and cheese. Also make cards for leftovers, for example, lasagna is a 2 meal dish at our house so I have two cards, 1 list the original while the seconds: L/O lasagna/stuffed bread sticks/honey carrots.

Step #4 – Make master grocery list.  Now this list should include EVERYTHING you need for your 28 meals.  Make several copies of this.  As things go on sale you can pick them up and cross it off your list.  ($$$ Saved)

Now have we been eating the same 28 meals forever?  NO, I redo our menus four times a year with each season change.  So the summer menu’s include local fresh favorites, where the winter ones have more frozen vegetables on them.  

Really, give this a try.  I guarantee you’ll be amazed at how easy it is once you start.  And the amount of money you’ll save will have you doing the happy dance

 

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