Showing posts with label debt free lifestyle. Show all posts
Showing posts with label debt free lifestyle. Show all posts

Thursday, May 21, 2009

Budget Boosters

Our family has goals.  Some of those goals are financial.  In order to leave our suburban homestead and buy the land we want we will need to save up a substantial amount.  Lenders don't like to risk lending on raw land.  Anytime we need to make a financial change the household budget gets a review and is often tweaked a bit to realize our goals faster.  Here are some things I’ve recently started that are making a difference. I don’t know what you’re doing or not doing already so some of these suggestions may be repeats for you.  If not, I hope they give you a boost!
1) After a year of telling myself that I should, I finally sat down and created a price book. I am happy to say it’s making a big impact already.  My memory is pretty good but there is no way I could ever remember what was a low price for grapes, much less every single item on my list. Now when I come across a *super* low price, I buy ahead. If it’s meat, we freeze it. If I find fresh produce, I plan several meals around that find and freeze any leftovers so I am blessed with more meals in our freezer. If I find a pantry staple, I stock up. If I see it is not a *super* low price, I compare it to other produce that are on sale in town that week and only purchase the items we need for that week.
2) I am fortunate to live in an area with several smaller “alternative” grocery stores. Many times I find lower prices in these stores for produce and some meats. These are primarily conventional foods so I pick and choose carefully, but I’ve actually found a few stores that carry a some organic items as well. For example, I bought bunches of organic kale for $1/lb recently and prepared several meals. One caveat, this requires some time since I usually have to visit 4 or 5 stores each week. 
3) Stop throwing out food. Maybe you don’t have a problem with this, but many do! I have become adept at knowing how much food I need to feed my family. In the past, I would see a good sale and stock up, but in my rush I would purchase too much and then could not cook it all before it went bad. Or I would buy fruit with the intention of having us enjoy it for breakfast and then, in haste we would reach for toast and jam.  Sadly, the fruit would get moldy. I have since decided to buy much more cautiously, even when that means missing out on real savings, rather than having to throw away rotten food.

4) This last one was hardest for me. We are making some financial changes right now, so I’ve decided to  buy the “dirty dozen” as organics and the rest conventionally grown. It is not prudent to allow perfect to become the enemy of good.  I have found it better for my family to eat some conventional fruits and vegetables than no enjoy no fruits and vegetables at all. I will still purchase organic dairy for us all and organic/sustainable poultry and meat whenever I can afford to. I will not allow myself to obsess about it.
So here you have it.  These are some of the things we've been trying for now. Priorities make these choices difficult, for sure! Rely on God to help guide you through them. :)
What are some of the choices your family has made?  I'd love to hear them.
Enjoying Dixie Living,
Melissa

Monday, April 13, 2009

Dare To Compare

  • What if my savings at the co-op don't compare to others savings at the grocery store?
    You really should not compare non-organic food prices to organic food prices.  You really aren't comparing apples to apples!   Actually, I’ve found that when you simply don’t compare yourself to others, you enjoy life a lot more. :)
    Make decisions based upon what is best for your family as you are led by the Lord, and then be inspired by others... but don’t feel guilted by them.
  • How can I put my money where my mouth is?  
  •  Folks, if you can afford it, spend it. We are in trouble here in America.  Consumers need to use our funds to support small family farms AND organic food whenever possible.  This is not just because organic is better for our bodies, but it is better for the land as too.  Did you know that chemicals actually turn the soil to dust?  There is no enrichment taking place.            
  • Where can I get the most bang for my couponing buck?  
  • Have some fun and play the drug store game.  Use Register Rewards and Extra Care Bucks, etc. to get all the other stuff–toothbrushes, toothpaste, deodorant, razors, toilet paper, feminine products for FREE or close to it. This is probably the only area that you can really be an Extreme Coupon Queen.  If you don't do paper goods, you can also find natural/cheap alternatives to these things-we don’t use paper towels, disposable diapers/wipes when at home, etc.  I know some folks make their own deodorant-which eliminates the aluminum dangers of the store bought brands. I just began using Dr. Bronner's for almost everything in our house-which is natural and organic. You can even brush your teeth with it :)  I know, why would you, right?? If you look around, there really is so much *stuff* you can just stop buying once you find cheaper, smarter alternatives!  You can really build up your pantry and preps this way.
  • I too have struggled with many of these same questions…you can read many of my conclusions here.  Eating WELL does cost more, that is the ugly, naked truth. Would you consider the alternative? I would much rather have my spending set a little higher (if it is affordable) to support local, organic, agriculture.  Quality fresh fruits and seasonal vegetables are worth the extra cost for our family! I’m LEARNING to do my best to determine works for our family without comparing my numbers with others…Blessings to you!
  • What are some of the new things your family is attempting in an effort to live healthier lives?
Enjoying Dixie Living,
Melissa