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Archive for October, 2008

I'm saving on makeup and skincare products

October 27th, 2008 at 04:41 pm

I've worn Mary Kay products since I was 17 years old. I've loved their makeup, skincare, and even perfumes for years. However, while evaluating my financial priorities and needs and wants, I'm staying focused on what is real important.

Yes, I need makeup, pretty skin, and to smell good, but also I need to re-evaluate if I can get all those things and save money too. I can and have!

Thank God I've found alternative products that I am happy with that have saved me a fortune. You know every penny really does count. I don't think my face and body knows the difference. They're just happy someone takes the time to care. Thank you Wal-Mart and Sally's Beauty Supply!

What changes have you made to save money on makeup and skincare products?

Are your kids frugal, too?

October 23rd, 2008 at 04:28 pm

My daughter loves American Girl (AG) products. She is 10 years old. If you aren't familiar with AG, their stuff is good quality but very expensive. My daughter gets paid $10 from our neighbor to vacuum her home most weeks. She saves her money and when she gets $30-40, what does she do? Spend it on AG.

Okay, the dolls cost $90. Thank God her grandma gave it to her for a birthday gift last year. However, my daughter brought her doll a tennis outfit that came with a visor and tennis racket. It cost $48. I told my daughter I wouldn't pay $48 for an outfit for her, let alone for a piece of plastic.

Anyway, obviously our daughter is a great saver. But once she saves her money, it all goes to this pretty plastic non-human thing. I've started to take 50% of her earnings to go towards her savings account.

Funny, my husband and I are so frugal, and our daughter loves saving for pricey frivolous things. Hopefully she'll grow out of it.

Have your kids picked up your frugal ways?

Are you worrying or are you happy?

October 20th, 2008 at 03:23 pm

Do you live your life saying, "I'll be happy when?" One thing I know for sure, happiness is a choice and so is worrying.

Regardless of our current economic crisis, I have made the decision to be happy and continue to enjoy life. Yes, we have lost plenty of money, too. However, I've been there and done that before. The season passed, we kept on living, and continued to save. You just do what you can do, right?

When you realize that you have absolutely no control of what will happen in the world and even your life, you just learn to ask God for his favor and blessings.

In spite of the economy I am happy and not worrying. I am doing better than some and worst then others, but I'm happy and okay with life and me. Are you?

I'm watching the budget, but cuban food is calling

October 17th, 2008 at 06:26 pm

With the economy as it is, we are watching every penny. We're very frugal, but sometimes I just want what I want when I want it. You know what I mean?

Okay, so we just discovered this wonderful cuban restaurant five-minutes away. Hadn't tried cuban food before that, but basically it's just caribbean or island food. I LOVE it! I actually dream about it, and they have a great dinner special for $6.99 before 4:30pm.

So one thing we have decided to do to save money is to get food to go (no tip), and we are ordering a regular entree and two kids meals. Come on, I'm a kid at heart, right? Anyway, kid's meal portions can be bigger than adult meals at times.

I'm too excited!

What is it that you want when you want it, and sometimes you just got to have it?

Help someone and get a tax deduction

October 13th, 2008 at 08:18 pm

The end of the year is almost here. All through the year my family collect things that are still in good condition, but we have outgrown, do not need or want. We give our items to the Goodwill.
The great part, we are helping someone in need and we also get a tax deduction.

What do you do with items you do not want? Do you give them to others in need?

What are you doing to cutback on spending?

October 9th, 2008 at 07:44 pm

Wow...times are pretty rough for most people. If you have not made adjustments to your way of life by now, I'm not sure what to say. We're frugal, but we've become even more frugal since June. These are a few things we've changed since June.

- went down to one car instead of two
- home school our daughter (hubby does that)
- have limit our 1-2 hour one-day-get-aways to once a month or every other
- haven't went on as many 2-4 day vacations. Have only went twice this year. Usually go 4-5 times.
- go out to eat around two times a month with coupons
- eat more salad and soup dishes with very little meat
- pay bills online or via phone to cut down on stamps
- our entertainment is more parks, walks, board games, and videos
- do not go out of our area to visit people, mainly talk on the phone
- do more home-churching than going to church (been doing that for years anyway)

What have you done to cutback on spending?

Buying gifts can really take you off your budget

October 6th, 2008 at 02:37 pm

I have a baby shower coming up Saturday for a client. I just found out about the date this Friday, so I probably won't be able to attend because we already have plans. However, I do plan to purchase a gift, hopefully, going in on half with my sister (she's her friend too) who will probably attend.

Because most of my clients are all over the country, I never meet them face-to-face let alone ever see them. But this is a client since 2005 (off and on), before I made the rule of coaching clients over the phone, only.

I usually spend $10-15 dollars on baby shower gifts, but I will probably spend $15-25 for this client. However, since we're not a big gift giving family, it will throw us off our budget some. But I will take the cash out of another of our envelopes.

Are you a big gift giver? If so, do you have a budget, and how much do you usually spend in a month or year?

When no money comes in how do you cope?

October 1st, 2008 at 07:19 pm

In this economy with people being laid off left and right, how do you cope if both people in a household lose their jobs? That is a very difficult situation to be in. In 2001, my husband and I moved to Washington state. Unfortunately, 9/11 happened a few months later. We ended up living on our savings for 2-1/2 years. It was really really hard.

Now we are back in Atlanta, but I really feel for people in that situation. Especially if they do not have money saved. Here are a few suggestions to make ends meet and bring in extra income, if you are in that "season" of no income.

- Still track your expenses and budget your money
- Rent out a room or two if you can (do you have a basement?)
- Sell things you do not want, use or need
- Get part-time jobs and still look for full-time jobs
- Have garage sales
- Baby sit kids for money (if you love kids)
- Try to get contract work

Have you ever been in that situation? What did you do?