FIVE PAINLESS WAYS TO SAVE $100 THIS YEAR

Photo by Michael Longmire on Unsplash


There are a few things that you can do to still save you $100 this year. 

1. Bake one batch of bread - I decided at the beginning of January to bake all our bread products. Not just to save money but I prefer to know what is in the bread I am eating. It is not a time-consuming process thanks to my kitchen aid mixer that makes it pretty painless too.

2. Pack lunches during the week - Even is you choose to pack lunch three times a week to bring to work you will save over $100 very quickly. My husband brings a packed lunch every day and I know for a fact over the years it has saved us a lot of money.

3. Make pizza from scratch - we got out of the habit of doing this for a while and every time we ordered a pizza we didn't care for it. It didn't matter where it came from we didn't like it. So I have decided yes it is a time saver to just pick up the phone and order a pizza but if you don't like it, is it really a saver a time. Besides this way, I save money as well. 

4. Purchase 10 articles of clothing from a thrift store - We get a lot of our clothing from thrift shops and very good sales meaning thrift store prices. I would say we purchase more than 10 items a year at our house. Be selective about what you purchase we have found some big-ticket items for really cheap at thrift stores. 

5. Save on parties - Whether you are celebrating a birthday, the Superbowl or Daytona 500 there are always ways to save on decorations, food, and gifts. 

Let's Chat!

What are some ways you have saved $100 in a year? 



WHERE DO I GET STARTED?

I am back!

I won't go on about where I was and why I took a break from blogging all you need to know is that I am back. I love blogging and have a passion for it and sharing information that has helped me over the years of living large on a small budget. The question I always get is Where do I start? or How do I get started?
Photo by Tierra Mallorca on Unsplash
There is no need to put off what you can start today until tomorrow because we all know that tomorrow never comes. I have always found it best to record our spending habits over the course of a minimum of 2 months but 3 months is better. That does not mean that you can not set up a budget for you or your family to follow now. You can still do that but remember when you are setting up a budget for the first time without recording your spending habits it leading up to it you must have some sort of buffer because it is hard to get a 100% accurate budget without prior knowledge of your spending. 

When you are recording your expenses they are going to fall into one of two categories - essential and optional. Essential expenses are things that you can not cut. For me, those things include my mortgage, house taxes, insurances, utilities, food bill, and cellphone bill. Even though to me a cellphone bill is something you can save on I can not totally cut it from my budget on a monthly basis. My food bill contains essential items for general nutrition but it also contains items I can cut back on so I put it under my essential because we need to stay healthy. 

You are the only person who can decide what is essential and optional to your situation. For everyone this is different and there is no right or wrong. Remember comparison is a joy robber so do what is best for you and your family. The point is to understand what you have left once the things you value are taken care of on a monthly basis. 

For my family becoming debt-free is a goal we are working towards. It is very important to us to be debt-free so that we can then, in turn, use our money to help bless others. We do live off of one income only so taking even the little steps to become out of debt is important. 

Tracking your spending will give you a true picture of where you are financially and where you can make cutbacks that are comfortable for your family. 

Let's Chat!

Where have you been able to cut back financially?

Classic Meatloaf (Video Included) #WhatsCookingWednesday

Meatloaf in our house is definitely a comfort food no matter the time of the year. When life throws you some lemons I find great comfort in making our favourite meals to help get us through the little bumps in the road. 

I find Christmas makes the bumps in the road seem bigger because of the pressure put on ourselves. We want to give our family everything and we often feel like we can't do enough. In our family, we do everything on a budget including our Christmas Family Traditions. The memories we create with our family is the most important thing we can give them no matter the time of year. It took me a lot of years to realize that and now that I have I feel the need to pass it on to all of you. Be present in everything you do with your family. Put your technology away and enjoy them. Enjoy life! 




Meatloaf


For the loaf
1 1/2 lbs. Ground Meat
1 cup Bread Crumbs
1 cup Milk
1 Medium Onion Diced
1 TBSP Worcestershire Sauce


For the sauce
3/4 cup Ketchup
2 TBSP Prepared Mustard
4 TBSP Brown Sugar

Preheat oven to 350 degrees.

Grease 5x9 loaf pan. 

Mix all the ingredients for the loaf together and form a loaf in greased pan. 

Mix all sauce ingredients together and pour over prepared loaf. 

Bake at 350 degrees for 1 hour in a preheated oven. 

ENJOY!






Let's Chat!

What is your favourite meal to cook when you are having a rough day?




*** The recipes, video and photos are my own. The opinions and comments on this blog are those of the author. ***




5 Budget Friendly Christmas Traditions

It's the most wonderful time of the year or so they tell me. 

I am not sure about you but for my family, it seems like our schedules start to get crazy busy come the month of December and we find ourselves more stressed than ever. We have so many fun family Christmas traditions that we are trying to fit into every weekend. 

In my Christmas on a Shoestring I talked about creating or having traditions for your family to do. I am going to give you a news flash - they don't have to cost money. There are many things you can do with our family during the Christmas season that will not break the bank or cost anything at all for that matter. 



Christmas Lights
Make some hot cocoa at home and plan a night to go for a ride to see the Christmas lights where you live. There are some spectacular displays out there to view with your family. Make some cookies the day before and hide them away to surprise the family with them on your drive. 

Christmas Movie
Pop some popcorn and plan to do a family movie night and watch your favourite Christmas movie. 

Christmas Concert
Schools and churches are always doing Christmas concerts and they are open for everyone to attend and are often free. Supporting community events and getting in the Christmas spirit at the same time. 

Christmas Carols
Turn the Christmas lights on and sing Christmas carols. You don't have to be a singer to enjoy this one just have fun with your family. Better yet go caroling at friends houses and bring some joy into their day by spreading the Christmas cheer. 

Games
There is nothing like a games night by the tree to help get into the Christmas spirit. Spending time with your family is a much better investment than any gift you can buy. 



Let's Chat! 

What are some traditions you do with your family that is budget friendly?