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Thankful: November 16th

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Oatmeal

Today, I'm thankful for food to eat.

 

What are you thankful for today?

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Thankful: November 15th

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Thankful Series

Today I am thankful for a roof over my head, a warm bed to sleep in, and food to eat.

Over 11,200 children in my area are homeless, and the temperatures are going to drop here at the end of the week.  I feel very blessed for the warmth, full bellies, and joys that we have each day. I am so grateful for a home.

 

What are you thankful for today?

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Thankful: November 14th

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Pomegranates The Prudent Homemaker'

I'm thankful for the opportunity I had yesterday to pick pomegranates from someone's tree. Her children don't like them and she offered me the fruit.

 

What are you thankful for today?

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Thankful: November 13th

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Lemons on Cutting Board The Prudent Homemaker

Today, I'm thankful for the chance to garden year-round.

 

What are you thankful for today?

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Over the past decade, there have been many years where I debated every penny of expense.

Our income was so tight that even "free" things were evaluated for the cost that they had. An outing to see something still cost gas money to get there, when we didn't have that money to spare, was definitely not free. The same went for a trip to the library; even though it is just a few miles away, it still cost money in gas. Every penny needed to be evaluated and every expense spared if we were going to be able to make ends meet.

Our income is again at that stage. A variable income can be up or down. It can be just enough, not enough, or more. 

You may find yourself in the same situation now or in the future. Perhaps you have major car expenses or medical bills. Perhaps you have had a decrease or loss of income. 

Perhaps you have all of these things right now.

As we have moved back into this stage of low-income this year, accompanied by a child's trip to the hospital, other medical bills, and some vehicle repairs, I have looked for no-cost ways to add joy to our life. We've been in this situation before and we know what we can do to bring joy into our lives without spending money.

 

 Gallery Wall Detail The Prudent Homemaker

 

1. Take Advantage of Free

When there isn't money for any extras, free deals offer a great pick-me-up.

Free Photo Prints

Many places offer free photo prints. Walgreen's regularly has coupon codes for a free 8 x 10 print (often right before a holiday). I've used these to hang photos in my house as well as to give as gifts. 

Many places offer 100 free prints when you start a photo account with them. These don't have to be redeemed all at once. Both Sam's Club and Walmart have this option for local pickup (so no shipping costs; online companies often offer this option to new customers, but you'll need to pay shipping).

Free Seed Exchanges

Some libraries have free seed exchanges, and there are many online sites where you can swap seeds (postage may be required unless you have a local exchange). Here's how I save seeds from my own garden.

Free Movies and Concerts at the Park

A community or city near you may offer free movies and concerts in the park. These are often held in summer, but in warmer climates, they may start in fall and include early spring as well.

Free Movies from the Library and Red Box

Looking for some fun family entertainment? Try borrowing movies from the library or using a free Redbox code. You may even want to start a tradition of a weekly family movie night. At my house, we do this each Friday night.

Free Magazines

Recyclebank regularly offers free magazine subscriptions for points redeemed after you read about recycling information on their site. 

Your local library is a great source to borrow free magazines; as long as it is a past issue within the last year of a magazine that they carry, you can check it out and enjoy it at home.

Free Gift Cards

Swagbucks is a way to earn gift cards by searching online, taking surveys, etc. I've redeemed points for Amazon gift cards, as well as a restaurant gift card and gift cards to Lowe's and Sam's Club.

$10 off $10 purchases that stores offer are a good way to find something you want/need. Use them on a clearance item to make them go further!

Friday Freebies

Kroger grocery stores and affiliates in the U.S. have a free product you can add to your card each week. You need to add the product online on Friday, and then you can pick it up anytime in the next two weeks. I like to pick up two at a time when I'm already planning on being at the store to save on gas. Around Christmastime, many of these freebies are for candy that is perfect to use as a stocking stuffer.

Enjoy the beauty around you

Watch a sunrise or a sunset; take the time to watch a bird or a bee.

 

2. Organize

Organizing your surroundings gives you a great sense of peace and calm, and it doesn't have to cost anything.

Tidy a drawer or a closet for a sense of peace. While you're at it, pull out anything you're not using and let it stop cluttering your life. 

Organize your meal plan. Plan out your meals using what you have on hand. Unable to shop? See my two weeks of pantry-only meals and two weeks of bean meals recipes.

Organize a schedule to accomplish more in your day. You can see mine here.

 

3. Sell Something

Sell something you're no longer using, such as outgrown/unwanted clothing, infrequently used kitchen supplies,  You can have a garage sale, sell on a local Facebook garage sale page, sell on Craig's List, or sell on Ebay (or whatever online sales resource you have available where you live). If it doesn't sell, or you don't want to sell things, you can donate your items to a thrift/charity shop, and quite possibly receive a receipt you can use to deduct that amount from your taxable income--which nets you more of the money you've earned come tax time. Even if it's just a little income, it's still an increase on something you weren't using anyway and the money can be used towards your needs.

 

4. Practice Gratitude

Write three things for which you are grateful in a journal each day (if you don't have a journal, search for a free journaling app or start one on your computer).

Thank people around you for the little things, even the things that they should be doing and/or do every day (such as thanking children when they do their chores).

Send an online message to a friend to thank them for their friendship.

Al Fresco in August The Prudent Homemaker

 

5. Make Every Day a Celebration

Use cloth napkins if you have them.

Set a nice table; if you have flowers or greenery in a garden, cut some to bring to your table.

Play card games or board games in the evening.

 

A Penny Saved The Prudent Homemaker

 

6.  Practice the Principle of Waste Not, Want Not

Use fewer utilities

Reduce expenses, even if you think you've already cut everything

Make soup stock with bits of leftover vegetables

Collect seeds from your garden 

Make breadcrumbs with the ends of your bread

Combine errands to save money on gas as well as give you more time

 

 

 Earrings 2 The Prudent Homemaker

 

7.  Make something over that you already own or use something in a new way

 

Turn an old pillowcase into a nightgown

Turn an old sheet into cloth napkins, a slip, handkerchiefs, etc.

Make broken jewelry into something new

"Necessity is the mother of invention."

Use a fancy cup or jar to organize something or as a planter

 

8. Serve Someone

It's easier to be happy when you're more concerned with the welfare of others than your own happiness.

Make a dessert from items you have on hand for your family--or a friend--and give it to them.

JustServe.org is a great place to find service opportunities near you. In our city, some of the service activities available include collecting clothing, school supplies, feminine hygiene supplies, and easy to eat food for homeless teenagers (there are over 2500 homeless teenagers in our school district); there are opportunities to serve refugee families by sharing household items you no longer need, tutoring refugees in English, etc.

 

9. Read

When you're focused on a story, you can enjoy a different place altogether. I find that reading fiction helps me come back to my own life with a bit more spring in my step and excitement for life.

 

Pink Rose Cupcakes The Prudent Homemaker

 

10. Learn Something New

There are so many free ways to learn something new, and learning something new can make you so excited about life, no matter what your circumstances. You can learn from library books, learn from You Tube, learn from a blogger, etc.  

Here are a few to try:

Break out your children's watercolors and try painting a portrait like this (they're super easy!) or follow some great tutorials on YouTube (I love this artist's channel)

Learn or improve a foreign language

Learn to draw or do a new art form (I have a page of simple art projects on my Pinterest board here).

Try a new recipe using ingredients you have on hand.

 

Financial trials are difficult, but they don't have to take all the joy from your life. Look for ways to have happy moments each day in spite of the trials of the day!

 

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Fall Piano Arrangement The Prudent Homemaker

I harvested Swiss chard, a few tiny cherry tomatoes, 2 tiny butternut squash, a small bell pepper, a small lemon, a small parsnip, and 2 beets from the garden.

I planted seeds in the garden for lettuce and snow peas.

I combined errands to save gas.

I needed an item of clothing and went to two thrift stores in search of it. The first had nothing, but the second had some options. I tried on 12 of that item (in 2 sizes, in case of shrinkage) and only one garment fit. That one had no price tag. All of the others had a price of $5-$6. At the register, the cashier called the manager for a price, and I was able to buy the item for only $3!

My husband cut my hair.

We were diligent about our electricity usage and were able to use $5 less of electricity over the week before. I had made saving $5 our goal for the week. I have challenged the children to help me save another $5 next week, which should be more difficult (but hopefully doable!)

I found a place to perform a much-need service for $45, which is much less than the $250 we had been quoted elsewhere. I also found a place that will do it for free, so I'll be going for the free option. It's not as detailed as the $45 option, but it will do and keep me in budget.

I collected shower warm-up water and used it to water potted fruit trees in the garden.

I made some homemade leave-in conditioner using a teaspoon of regular conditioner in a squirt bottle with water (just shake to combine).

I was invited to a dinner (a catered event). The next day I was texted to ask if I would like some of the leftovers for my family. I picked them up and we ate them for the next day's lunch.

I figured out two gifts I can make for my eldest son for Christmas using fabric I have on hand.

I also figured out something I can make (using fabric I have on hand) as a wedding gift for my nephew and his bride, who will be married next month.  I looked through all of their registries as well to have a good idea of the style and color preferences of the bride. They will be married a week before Christmas. I will make them two Christmas stockings.

 

What did you do to save money last week?

 

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Good Things to Make This Month

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Gingerbread Pancakes

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Pecan Pie

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Butternut

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