Wednesday, April 29, 2015

Review: Why Straight Talk Is My Husband's Best Friend

When I began dating my current husband, the "Great Recession" of 2008 was just beginning. He is a master auto mechanic, and his field was hit extremely hard. The money people normally spent to repair their cars completely dried up as wave after wave of layoffs were announced across the country.

Most mechanics work on "flat rate", which meant he was only paid for booked work instead of hours worked. No jobs booked = standing around doing nothing, for free. And there was very little work as the economy worsened. On top of all this, he was stuck in a cell phone contract with AT&T that cost him hundreds of dollars a month and even more to break it.  He's usually a frugal guy, so this surprised me. Why was he paying so much for his cellphone???

Somehow he got talked into starting a "Friends and Family plan" on AT&T and adding his girlfriend at the time (before me) along with her sister and her boyfriend. This arrangement worked ok for a while. Everyone got a phone and plenty of minutes and they shared the cost...until they skipped out and left my husband with the bill. For two whole years!

My guess is that he was the only one with decent credit, so they used him to get what they wanted until they could no longer afford it. But even though he shut all the other lines off, he couldn't get out of the contract. So he was stuck with a zillion minutes a month that he didn't need and a phone bill he couldn't afford.

Thankfully the contract was just ending as the recession was heating up. He swore he'd NEVER get stuck in another cell phone contract again and he'd NEVER use AT&T again. But what to do for cell phone coverage? There were a couple of "pay- as-you-go" options out there, but they all charged you for any day that you used your phone in addition to minutes used. He wanted something simple.

At that time, Straight Talk was brand new. It was just being rolled out in some of the Walmarts across the country. $30 a month for 1000 minutes and 1000 text messages plus a bit of data was just right for someone who needed a tough, simple phone. He has been a customer with them ever since.

A couple of years ago he graduated to a smart phone, after stealing mine all the time! Being in IT, I've always had a company phone, usually a smartphone (which is more like a ball and chain for work, but at least it's paid for.) His new plan is $45 a month, with unlimited minutes, text, and data. Not bad for an extra $15. The data is actually limited to 2 GB per month. I'm not sure how they get away with saying that's "unlimited", but they don't turn him off if he's reached his limit, they just slow him down. That makes it hard for him to watch car videos, but how many car videos does one guy need to watch? LOL

Still, it does what it needs to do and he's happy. He can search for auto parts on ebay from it, exchange tips on car forums, and do what he needs to do. (If anything, he uses the darned thing TOO much!) He's not stuck in a contract. And you can now actually bring your own smart phones if they are from AT&T or T-mobile. As the smart phone market matures and more really good used phones are available, this opens up a lot of options for Straight Talk Users. What a great way to recycle nicer, slightly outdated smart phones!

Straight Talk's technical support isn't great, and their website can be a bit of a pain, especially if you're having issues with auto-renewal, but their actual service is usually fine. It uses all the carriers that people are paying big bucks for- Verizon, AT&T, T-Mobile, Sprint. It's the same concept as in groceries and many other industries- many name brand manufacturers make the generic version of the same items but change the labels on them. Straight Talk is the "generic" brand of cell phone carriers. There are a few others out there, but it seems to be one of the more reliable ones.

And the service has gotten even better. They now offer a home phone with a cell phone base that costs us $16 a month and has unlimited calling in the US and Canada. This is so much cheaper than a land line where you have to pay for local and long distance services, often separately. It's also cheaper than most bundled cable packages that have internet phone included, as well as Skype, Vonage, and some of the other internet phones. (Since we live out in the country, these aren't even options for us. Our internet is satellite based and metered.)

Straight Talk also makes life easier if you have a teenager who wants (I hate to say "needs") a phone and tends to be a bit forgetful. I was able to buy a $30 phone card off the Straight Talk website along with a free phone because it was a new number. I think I even got free shipping with that deal. After a couple of months, my son lost the phone, but we were only out the money we'd spent on service that he didn't get to use before the card expired. It was a pretty painless experience.

Overall, Straight Talk has been a great experience for our family. Our total phone expenses are $61 a month- that's for my husband's phone and our home phone. Compare that to about $50 a month for one land line, and I'd say it's well worth the extra $11. My husband easily makes that in repair  jobs he's able to get because he has a phone, and money saved because he can use it to research parts he needs. Over the past seven years, it's been a win, win for us!

Note: None of this may be new "news' to you, since Straight Talk has gained a lot of national attention and has a lot more users than when we discovered it. But if you're sitting on the fence, I hope this review helps. 

Tuesday, April 28, 2015

Editorial: We Are So Blessed and Don't Even Know It

Most of the time, we have no idea how blessed we are. We walk around completely oblivious, focusing on our problems and complaining about how our lives aren't perfect or amazing or whatever. But we have no clue what others are going through, or how much someone else might long to have even one of our "awful" days because it would be such a relief from what they're dealing with. (They'd probably love to have our bills too.)

Maybe we're too stressed to feel blessed. But we are.

I was recently reminded of this when a couple of different, very dear friends got hit with really challenging times. The kind that knock you down, beat you up, and leave your breathless. The ones that lurk in the back of a mother's mind and fill her with dread.

For one, it's a grown child self-medicating emotional pain and getting sucked into a world of drugs that led to an overdose and a medically induced coma.

For another, it's a baby with health problems who was just diagnosed with a debilitating and aggressive terminal illness. He may not see his first birthday. His parents are literally living moment by moment with him.

My heart breaks for my friends and their children. I've known these people for years, and their kids are close in age to mine. I feel ashamed when I catch myself complaining about my own life. Ashamed to complain about my autistic teenager who is failing high school and driving me insane, or the preschooler who still poops his pants, or the baby who won't stop eating the entire house. (He's like a puppy, he chews on everything!)

They are challenging, but they are also healthy and happy.

Life is not perfect, but it's not supposed to be. It's messy and crazy and beautiful all at once. It lifts you up, throws you down, takes your breath away and sometimes gives it back. Cherish it for what it is, and whatever point you're at. And try not to beat yourself up too much. Life will do that for you, free of charge!

In the end, we really don't know what tomorrow will bring. But it will come, whether we want it to or not. In the meantime, don't miss out on what's beautiful today.

So count your blessings. They are worth more than money, more than gold. They are worth everything.

My littlest blessing

Life: Back, After a Long Hiatus

I'm getting back to blogging, finally. I must be crazy to try to fit more things into my life, but just can't help myself! I love to do things and write and share. Just built this way I guess.

A lot has happened in the past 3 1/2 years since I last posted. I moved 40 miles away to a hundred year old farmhouse, then found out I was having another baby. At the age of 43! I commuted 125 miles a day (round trip) for work while pregnant, had my fifth beautiful boy, spent three months on unpaid maternity leave, then commuted again for another 3 months until I was able to change jobs to a closer location. The stress of all of this aged me immensely. I look back and I am not sure how I did it. I was even breastfeeding at the time. Just crazy. I've been blessed with a very full life!

During this wild time of my life, a tornado destroyed the town of Washington, IL, and blew out all the windows at my kids' daycare. Thank GOD it was on a Sunday. Everything was embedded with glass, particularly the infant room! It also completely destroyed the apartment complex I lived in after my divorce back in 2007. My older kids used to ask me what we'd do if a tornado hit, since we were on the third floor. I'm glad we didn't have to find out, and also glad no one in that complex lost their lives when the tornado literally took the top two floors off. It also went between two churches full of people worshipping. What a day. Sadly, one person died, half the town was leveled, but the community was amazing and rebuilt.

And life eventually got easier here. Not only did I change jobs; I also changed industries. This has actually been a really good thing. It's meant a lot less stress and more chances to be creative. Sometimes normal, boring and stable can really be wonderful things!

Most of my days now are spent working or chasing after a toddler, a preschooler and a teenager. And 20+ chickens and 3 cats. We're having fun with permaculture on our five acre spread. It's provides the perfect counterbalance to sitting at a desk all day looking at computer screens. It's fun to get our hands in the dirt, watch things grow, and take lots of pictures. But there's something missing- the need to share with the world what we're doing!

And there are ideas. So many ideas. For saving money, for creating things, for having fun and just sharing with others. All this stuff has to go somewhere, right??? (It just gets lost on Facebook!) So hello to friends old and new. If you stumble across this place, feel free to stop in and say hi.

I'm not sure I can get my old frugal moms domain name back. Apparently it's for sale for $3500!



Not very frugal. That's ok. A fresh start with a new name may be a very good thing indeed. For now, I've thrown frugalmoms2.com up there. It's Frugal Moms, part 2 for now! The price was much more attractive at $9.99! That "2" saved me a lot of money. We can put the extra (imaginary) $3,516.01 on something else! Because that's what it's all about, baby! Living better for less!

Here's a glance at some of what's kept me busy these days:

Our farmhouse will turn 100 next year!

Hiking Starved Rock with munchkins


The daredevil and the nature boy

Barefoot teenager in the sunflowers



Friday, September 23, 2011

Vintage FMs: Article Requests

If you're looking for an old article of mine, please post here and I'll do my best to get it up asap. If you're looking for something that was on my site but not written by me, post and describe it the best you can. I did a lot of content sharing with other sites, many of whom are still around. Chances are I can link to it for you.
 Kim :)

Vintage FMs: 30 Ways to Cut Your Grocery Bill

Here is a collection of strategies and tips for cutting your grocery bill. Some of these ideas I use religiously, others I am working on or struggling with! I have gleaned some of these from books, frugal relatives and my own improvising. By far the best resources are any relatives you have who remember the Great Depression (or check out cookbooks and stories from/about that time period) and The Tightwad Gazette books, my favorites! !

Start with strategies that you can implement without causing major revolt in your family, moving gradually to a goal of a lower budget for food that is healthy, wholesome and homemade! If I have left some out, please email me with your hints and tips, I would be happy to include them here!

Note: I have tried to arrange these in order from least difficult to most difficult. I hope they make sense! This way, you can see the changes along the way and be willing to make more frugal choices as you and your family gets more comfortable with this way of eating and shopping! Start with a few things and keep adding, soon you will see a HUGE difference in your food budget!

1. Attitude of gratitude- A long journey begins with a single step and this is your first step. Begin with your own attitude towards being frugal, because it will impact the rest of your family! How can they be excited about changes if you aren't? So start by being thankful for all that you have, even if your life seems far from perfect (guess what? We ALL feel that way! LOL)

2. Use Everything- when you are cooking, think about how you can get every last food mile out of what you are making. Meat bones and vegetable trimmings can be made into wonderful stocks. Leftover vegetables and meats can be thrown into the sam estock for free soups and stews or put into pot pies, homemade "hot pockets", crepes, casseroles, you name it! Look at food waste in an entirely new light, try to get every thing out of your food dollar!

3. The Price Book- This is the most useful tool in making sure that every food dollar you spend is spent well! The basic idea of the price book is to have a system for tracking prices so that when you see something on sale, you will know whether it is really a good buy or not. I have included a detailed page on the price book here: price book. I use a three ring binder and looseleaf paper. At the top of each page, I put several column headings: Date, Store, Item, Size, Price, Unit Price, Sale. At the top right hand corner of the paper, I put the name of the item (such as "bread", "milk", "cereal", etc). When I see a sale or even a regular price, I write it down in the price book. It is easier to do this at home with store receipts or sale ads, instead of in the store, where some employees may mistake you for a competitor's spy! It does happen! After a few months of tracking prices, you will know what is a good deal and what is not. The most important section of the price book is the unit price, because that tells you, no matter what size the item, how much you are actually paying per pound or ounce or other unit of something.

4. Bulk Buying- With the price book in hand, you will be able to bulk buy with much more confidence! Now when flour goes down to 49 cents for a 5 pound bag, you will know that this is an excellent price and to stock up! Then when it goes back up over a dollar, you'll still be using the flour that you bought for the lowest price and smiling! Bulk buying can be a little scary at first. Buying so much can be intimidating. How will I use this all? How will I store it? The answer is to get creative! Things that can be kept at room temperature can be stored under beds, in closets, anywhere! This is especially true of canned goods. Flour can be frozen (to prevent weevils) and then stored in airtight containers at room temperature.

5. Use your freezer- Eventually you will want to have a deep freeze to stock up on good deals on meats and other frozen items. A freezer is a great investment and tightwad tool! If you can get an older one cheap, it may be a good deal if it is still efficient (10-15 year old models are ok, but a 30 year old freezer will cost a bundle in energy!) Check out newer, more efficient models and put the word out that you are looking for a freezer. We got our freezer (now 15 years old ) from my husband's grandmother who found they just didn't eat enough to justify having a big one anymore. It has served us well and saved us thousands (in the 5 years we have had it) on groceries!

6. Cut down/out on the junk food- If you can get the tribe to completely give up the soda, chips, cookies, candy, etc, good for you! We have been working towards this goal for some time now, and have managed to cut out soda (we still drink kool aid and sun tea), most cake, and alcohol (I consider this to be junk! You have to decide for yourself). We have cut down on baked goods, and I make any we eat from scratch. We still buy chips for lunches only, and enjoy popcorn and homemade pizza on our weekly movie night.

7. Make it yourself- Ban those convenience foods! If you can't totally cut out junk foods, make them yourself! A large homemade pizza costs about $2-$3 to make, compared to frozen pizzas which are typically $3-5 for a small size and delivery pizzas which run you about $8-10 each. If you bulk buy the ingredients and make the dough and/or sauce from scratch, it can be even cheaper to eat in! Which leads us to the next idea:

8. Cut down or stop eating at restaurants-Make it a special occasion to go out to eat rather than a common event. Eat out once a month and use coupons to cut costs even further. If you can be strong, put your foot down and refuse to eat out! Use the oamc recipes here to cook ahead, so that you still get the night off from cooking, but you are eating at a low price ( and you know who is handling your food!)

9. Clone your favorite brand name and restaurant recipes- this is not as hard as it sounds! Most popular convenience foods and restaurant foods were inspired by their homemade counterparts. Ther secret to recreating these foods well is to go back to the original homemade versions. Many basic cookbooks have wonderful recipes for homemade sauces, breads, etc. There are some great cookbooks that strive to duplicate some of the more favorite purchased foods. One of the best is called "Top Secret Recipes" by Todd Wilbur. He has three books out with more in the works. Check out his website at: TopSecretRecipes . It's excellent! Some other "clone" recipe websites: Copycat, etc.

10. Eat less meat- Does spaghetti really have to have all those meatballs? Does your pizza really have to have all of that meat on it? Only you will know for sure what your family will miss and what it won't. Many other cultures use meat sparingly in their dishes. Check out Asian and Indian recipes in particular.And try to think of meat as an accent to the dinner rather than the main course. If this is too difficult, try cutting portion sizes of meats and adding more side dishes to compensate. There is always a way to cut down on meat consumption!

11. Stretch Meats-you may be able to get away with extending your meat by mixing in extra veggies, grains or even TVP (textured vegetable protein). TVP is made from soybeans and there are quite a few restaurants that use it, so it may be more familiar than you think! It comes in chunks or crumbled. It is dry and can be rehydrated before using or in the actual recipe you are using it in. you can hide it best in ground beef dishes, especially, dark ones, like chili. If TVP is not an option, stretch meats by cutting amounts in recipes and adding more beans, veggies, grains to the dish until your family complains, then ad back in a enough to make them happy.

12. Use your leftovers- Get a free meal by saving those leftovers! If you think you will forget about them, label them and freeze! On leftover night, have a smorgasbord. You can also create "party trays" with smidgeons of this and that arranged prettily. Restaurants offer these, why can't you?

13. Pack your lunches- This is a great way to use up leftovers! It is our first choice. Lunches don't have to be boring either. Think of items you might order at a deli and duplicate at home. I send the hubby and kids with homemade hoagies, pitas stuffed with tuna, BLTs, pigs in blankets, cold pizza (they love this),bologna burritos (just a bologna sandwich on a tortilla instead of bread), and homemade hot pockets. I always have them participate in the lunch decisions or in actually making the lunches. This helps stem complaints! I include nonmessy fruits like bananas, apples and grapes, dried fruit, trail mix, popcorn, chips and homemade goodies- cookies, pudding, rice krispy treats, etc. There are lots of great brown bag ideas for lunches on the Busy cooks website.

14. Take drinks with you-if you are working and spend money on coffee, buy a thermos and take your own. Take along water or tea in a big jug on outings, especially during the summer months. This will help you resist the temptation of stopping at a fast food joint and ordering an overpriced, undernourishing soda. Pack drinks for the kids if you pack their lunches. When I did the math with my price book, I found to my amazement that the half pints of milk from the subsidized milk program are much more expensive than sending milk I buy at the store! Here a half pint (1 cup) of milk at school costs 25 cents, but the milk I buy at Aldi is $1.79 a gallon, or 11 cents a cup! I can send my kids to school with twice as much milk and still save money!

15. Fill up on healthier foods - as you may have noticed from the selection of lunches above, I try to include healthy foods in the kids lunches. I try to offer fruits and popcorn as snacks, rather than junk food, I offer them water between meals with the occasional koolaid. I buy whole grain breads only and try to make mostly whole or half white/half whole grain baked goods. Any change is better than none. Whole grains and healthy foods fill you up and nourish you . You will eat less and crave less because your body is nourished more.Think of wholesome foods as an investment in your health. You may also find yourself visiting the doctor less often! Some suggestions for putting more healthy foods in your diet: try eating brown rice instead of white, wheat bread instead of white, offer water between meals instead of koolaid and soda (and try to actually drink 8 glasses of water daily), keep fruits on hand instead of candy and cookies, fix veggie trays ad dips for snacks instead of offering chips. These little changes, done daily can add up-to savings in money, loss of weight and better health!


16. Maintain a healthy weight- once you begin eating better and dropping some pounds, you will notice you tend to eat less. This saves money and your health! Not only that, if you maintain a comfortable weight, your clothes will fit (won't have to buy bigger ones, not to mention all the great deals to be found at yard sales where people sell their "skinny" clothes) and you'll feel better. You'll have more energy to be frugal!

17. Substitute (or eliminate) expensive ingredients for cheaper ones- Does the recipe have to be made with the expensive item? Can a cheaper version be found and taste just as good? Can you eliminate the ingredient all together? I have found no taste difference between real vanilla extract and imitation. When we have a fancy Christmas get together and want to serve a seafood platter, we serve imitation crab instead of shrimp. It is cheaper, still tastes wonderful, and keeps for much longer than shrimp. If I buy the crab meat when Cub Foods deli is having a sale, I can get it for around 1.49 a pound (reg $2.50), that beats $8-$18 a pound for shrimp any day! The same can be said for many expensive ingredients :look for alternatives and substitutes.

18. Can't substitute? Then cut down on expensive ingredients- If you just can't live without that certain something in your recipe, try cutting the amount in half and see how it tastes. Keep cutting down the amount until the recipe starts to suffer, then add a little back in, until it tastes the way you like. You may be surprised at how little you actually need!

19. Grow it yourself- Still want to use bundles of fresh herbs in your famous pasta sauce but hate the price? Plant some! Herbs are so easy to grow and so useful. Many are perennial: sage, oregano, lavender (yes you can use it in cooking), mint, lemon balm, chives, the list is extensive! Biannuals will reseed themselves if you let them go to seed, these include: basil, parsley, dill, nasturtium, pansies (great in salads as decoration). Even saffron ($16 a pound!) can be grown at home! Saffron comes from the saffron crocus, a bulb plant, which blooms in fall. Plant some in the spring and you will have one of the world's most expensive seasonings at your fingertips for very little money.

20. Gardening-Growing a few herbs may give you the courage to grow a full-fledged vegetable garden. Or you may want to try edible landscaping - putting plants in your landscape that give you food too, like fruit trees, berry bushes, etc. The best books I have read on gardening come from Elliot Coleman. He is a market gardener who grows food organically. He hosts a tv show on The Learning Channel called "Gardening Naturally". Check out books from the library, read a few gardening magazines and pick some gardening friends' brains. The most important advice: have fun and grow food that you actually eat. I have grown a few "cool" foods that went to waste because the family wouldn't eat them and I didn't know what to do with them! There are many cookbooks on using garden harvests, so check those out too. Many are arranged seasonally so you can take advantage of what is fresh and abundant (even if you don't garden, these are handy!) One of my favorites is "The Victory Garden Cookbook" by Marian Morash. I got it at a yardsale for a quarter!

21. Canning and Drying-As you become more accomplished both in cooking and gardening, you may want to can those special sauces, pickles, and jellies for even more savings. There are many excellent food preserving books in the library and bookstores. Here are some online resources, if you do a websearch, you will find even more! Don't have time to can or is it too hot? You can freeze some things, like berries, to make into jellies and sauces later on, when the weather is cooler and you have more time.

22. Shop Alternative sources for food- get creative and keep your eyes open! Check out the farmer's markets, food co-ops, farm co-ops, undamaged freight stores, restaurant and baking supply companies, wholesalers, roadside stands, health food stores,etc. Don't forget to ask about grocery store "seconds" those foods that may be slightly damaged and not quite perfect enough to sell at full price. Check out grower's seconds, as well as drops from fruit orchards. There are always cheaper alternatives, just keep looking and asking.

23. Buy and use in season veggies and fruit-they are usually fresher and cheaper. When tomatoes are in season, make lots of tomato sauce and can it, and plant to eat lots of BLTs. Enjoy God's bounty! Make strawberry shortcake when strawberries are at their best and cheapest, usually in June and July. Cook with more root vegetables in winter, when they are at their best and summer veggies are out of season. Check out seasonal cookbooks at the library for more ideas.

24. Learn the sales pattern-this is best done using your price book. Not only are there better seasons to buy some veggies than others, but meats and other food staples tend to go on sale according to season, holiday, and what store you are shopping at. Hams are usually on sale around Easter and Thanksgiving, turkeys are always on sale in November and December, but sometimes they are even lower at other times of the year! So learn the sales patterns of your favorite stores and stock up!

25. Try store brand and generic-as with substituting cheaper things for the expensive, try lower cost items. Keep going down in price until you notice a change in the quality, then move back to the next brand/item up. You may discover that most brands are created equal and some generics are pretty good too! Some basics, like sugar and flour, really don't change from brand to brand, so go with the lowest price and/or what is on sale.

26. Use coupons and rebates occasionally- I only use coupons and rebates if I like and buy the item regularly, and I can't get the item at a lower price by using store/generic brands. Sam's club sometimes has some very good refunds on items I use, such as disposable diapers (theirs are cheaper than most stores and good quality). Another refund I look forward to are the underwear refunds around back to school time. Usually there are coupons and refunds for the undies at the same time! So use discretion, don't go nuts on coupons and rebates. Your price book will be a great help in determining whether a coupon is a good deal or not.

27. Free Food Sources-yes, there is such a thing as free food! Here in Illinois, we go mushrooming in the spring at my mother in laws' farm. We pick bags and bags of morelles (store price: $16 a pound!!)! We also go berry picking. The trick to any kind of wild food foraging is that you absolutely MUST know what you are picking, no guessing! Free food is not worth it if it makes you sick or poisons you! Some other alternatives: extra produce from relatives', friends' neighbors' gardens, fruit trees in your yard, or picked from with permission if they are in someone else's yard. You may be surprised at what you get if you just ask! Check out the WIC program if you are pregnant, nursing or have kids under 5, this is an excellent source of free foods (milk, juice, eggs, cereal, peanut butter) for those who need it most. Also check out local charity programs, such as "ShareFood", where you do a little bit of work and get a bag of groceries for $13. There are no income restrictions and the food varies, but some of my friends have tried it and liked it very much, especially the volunteer work! Also consider bartering! Perhaps you could mow your elderly neighbor's lawn in exchange for a bushel of apples. Get creative!

28. Menu Planning- this is a good one to remember! Build your meal plans around: A) what you already have and B) what is on sale. You could also plan around what is in your garden and in season locally. Use all of the methods here to plan a loosely constructed menu plan. I like to have a menu plan when I do OAMC. I gather the recipes, gather what I need, and cook away! I try to think of many different ways to use what I have so I won't spend too much. But I can't seem to keep to a strict menu. We eat everything I cook and improvise with leftovers. So try it out, but be flexible!

29. Once a month cooking-ok, it doesn't have to be once a month, it could be once a week or twice a month, or just bulk cooking. The secret is to make every cooking count! This way you are not only saving money, but time as well! Check out my getting started page (not posted yet! Under construction!) for more info on this method of cooking.

30. Keep it simple- you don't have to give up gourmet foods, but keep your daily meals simple. Don't feel like you have to make "five-star" restaurant meals every night! Make them special! Here in the Midwest, the cuisine is very simple, much to my dismay (I LOVE gourmet foods!). I find my husband and kids are happiest when I make the simple, humble meals, instead of fancy spreads, and I find that I am more relaxed! I compromise by making up some wonderful, gourmet foods for myself, freezing the dishes in one person portions and eating them at lunch. I can have all my favorites and no one turns their nose up! The best of both worlds!

Vintage FMs: Frugality 101: Getting Started


Ok, you want to save money and tighten your budget, but where do you begin? Lots of people know they need help, but where do you start? Here are some ideas to get you started:

Set Goals-What is it you want to achieve? It may be something simple, like not living paycheck to paycheck, which would mean you are working towards having money in your savings and checking accounts. In that case, you will need to cut some of your spending and put it in the bank as a cushion. What if you are spending more than you earn? Then your goal would be to avoid accumulating more debt and get out of the debt you have. You also need to cut expenses. Take a hard look at your bank balances, your bills and your spending habits.

Discuss your goals-especially with your spouse, kids are optional. You may find that your spouse is feeling the same way and you can make a team effort. Or you may encounter resistance, which means you will have to set the example until your other half gets a clue about money. The key is not to criticize or make money the issue. Set the example and be the leader.

Don't make excuses- to yourself or your family. "We can't afford that right now" or "that's too expensive". NEVER make excuses or apologize for your thriftiness. This creates an atmosphere of oppression, making your family feel as if you are "poor" and they have to suffer through until a windfall of money arrives, when they can party again! I know this one from experience. After a few years of very tight penny pinching, my husband got a better job (before we bought our first home) and we "partied" with our credit cards. We then spent the next year paying that debt off before we could buy our first home.

Expect some resistance to change-from others in your life, especially benefactors of your past spending habits. Again, don't make apologies, just set the example and try not to "convert" these people overnight. Setting a good example and having a good attitude are subtle but powerful ways to retrain those spendaholic spouses, children and friends. Let them see your strategies in action and "overhear" some of your successes. Actions do speak louder than words. Don't get discouraged by the pooh-poohing of these people either. Change is not easy and takes time.

Avoid getting into more debt-Put a freeze on spending-literally! If credit cards are a problem for you, cut them up or freeze them in a big block of ice. The best strategy of course is to cancel your credit cards and pay off those debts!

Track your spending- with a small notebook. Write down EVERYTHING you spend for 3 months, from the groceries for the month to the candy bar from the vending machine. You need to learn your spending habits. You may be shocked to find out how much you are spending on nickel and dime stuff!

Research-Get your hands on as every frugal book you can and take notes! Not every idea will work for you. Use the ones that you feel the most comfortable with and challenge yourself to try some new things too. Raid that library and if you find some books that are keepers, invest in them. There are some really great books out there, I am preparing a list of my favorites. The very best resource I have found is any one of the Tightwad Gazette books. Click here to see the review.

Find your frugal comfort zone- by testing your limits and finding where you are comfortable. You may find that there are some things that you do not mind giving up- so why are you paying for them? Gather up all of your bills, expenditures, and that "spending notebook" you set up to track your spending habits. Take a hard look at what you are spending. Cut everything back as much as you possibly can. Test those limits!!!If you find you have cut back so far that it is uncomfortable, add a small amount back in. You use this strategy for anything! Cut your grocery bill and see how low you can go without sacrificing quality, you may be surprised! Do this around the house and see how little you can do the job for. How much dishwashing liquid do you really need? How much shampoo? Do this with the big things too- how much house do you need? How much electricity do you really need to use- can you find ways conserve energy and still be comfortable? A free energy audit from you local electric and gas company will give you some ideas.

Learn new strategies and techniques for saving money-develop an attitude of eager learning. Learn to do-it-yourself. You can save a lot of money, find a hidden talent, and save money on entertainment! Also try out bartering and negotiating, you may be glad that you did.

Cross the gender gap-Try untraditional skills as well. Just because you are a woman does not mean you can't learn to be handy with power tools. Take a look at our uimfc bulletin board, many of the ladies on here know their way around the tool shed! The same goes for you men! You can learn how to become wonderful chefs! Most of the greatest chefs in the world ARE men! So get in that kitchen and learn your way around!

Learn to say no-to things that add expense-of time or money- to your life but do not add quality. You can still volunteer and help out in the causes you feel are important, but you don't have to be part of all of them. If you have many interests or like to help in multiple charities, rotate them or cut back so you can do a little of each. And don't forget to use those new skills you are working on!

Share your experiences with others-This will help you stay on track and reinforce your new frugal lifestyle. This is such an important aspect of frugality that I have started a page called "Form a local tightwad group" and also have multiple bulletin boards. Share your ideas, struggles, successes and questions. We want to hear them! We are there for you! You can do this!

Vintage FMs: 11 Frugal Strategies to Stretch Your Budget

Here are some of my favorite strategies for saving money. Since everyone's situation and resources are different, you need to adapt these strategies to your own lifestyle. Remember, frugality is a tool that you can customize to the way your live. Use them as much or as little as you want, according to your need. You can enjoy living frugally!
1. Get it for Less- Find a cheaper source for things you already buy. There is always someone selling it cheaper. The challenge is to find new sources. Start by looking in your yellow pages, you may be surprised at the resources around you. Check online and offline sources: ebay, craigslist, local consignment and thrift shops, yard sales, etc.
2. Make it last longer- Stretch the life span of the items you use. How? First and foremost by taking better care of them, maintaining them (such as tools), and doing it yourself. Learn to do your own home and car maintenance and repairs. Fix only what is broken, not the whole thing! You can make "work" shoes last longer by having them reheeled instead of buying a brand new pair. There are many, many ways to lengthen the lifespan of the things you own. In fact, there are whole books on the subject! Visit your local library for more ideas. Also, ask older relatives (especially those who grew up in the Depression). Often they have some good advice about maintaining and making things last.
3. Use it less- Conserve your time, energy and resources. If you plan out your shopping trips and only go once a week, hitting everything you need to, then you are using less gas, and causing less wear and tear on your car. If your home is properly insulated, you are using less electricity or natural gas to heat /air condition it. You can get longer use out of light bulbs by remembering to turn them off when not in use. The same goes for items that use batteries. Think conservation!
4. Use it up-Turn to what you already have first! (Note: This requires knowing that you have it first! Organization should probably be tip #12 here!) Use up your leftovers in the kitchen, then use the food scraps in your garden, which will help you grow fresher foods. Use "clean" trash- paper, containers, cereal boxes, etc, to make crafts, games and organize things. Make new clothing from old! Be resourceful and turn a creative eye on things you already own.
5. Wear it out- Get the full use out of something before you toss it. Maintain it, repair it, repair it again, and recycle it! Here is an example: If you wear pantyhose to work, you can wash them in a solution that strengthens them and makes them last longer. Once you start to see runs, fix them with clear nail polish. When the runs on one leg become to much, cut off the leg of one pair and merge it with another pair of one-legged pantyhose, to make a complete pair. When those get worn out, recycle them in the craft room and garden.
6. Make it do-Substitute where you can/ If you don't have what you need, find something to fill the void until you can find a cheaper or better alternative. Perhaps you need to fix something and don't have the right part. Will a substitute work? Sometimes the substitute is better!
7. Do without- Ask yourself if you really have to have it. Is it worth the money? Do you have to have it now? Or are you just acting on a whim? Avoid impulse buying! If a few months have passed and you find you still want or need it, then start looking for a good price. Sometime I wait a year or more to get something I want. By then, I know the best prices for it and often get it much cheaper than I would have if I had acted on impulse. I also appreciate it much more.
8. Make it yourself- If what you want is too expensive, brainstorm about how you can make it cheaper. Buy large clothing at yard sales in nice fabric and make clothes for yourself or your kids out of them. Don't like the prices of the fancy knick knacks in the stores? Learn how to make them! Check out our decorating and crafts sections, these areas are dedicating to do-it-yourself projects. Don't want to pay high prices for restaurant food- clone your favorite recipes at home! I do this a lot and we really enjoy the cheap, delicious food. Check out my "Fried Chicken Salad", a recipe I cloned from Steak and Shake. It is better than the original! You can do this too!
9. Grow it yourself- Don't like the high prices of your favorite fruit or veggie? Perhaps you can grow it instead of buy it. I enjoy growing herbs, tomatoes, tomatillos, romaine, and garlic. Not everything I have grown has turned out so good, but it is a fun journey! You can really save bigtime on the herbs. I also have a cherry tree, and am looking forward to apples someday from the tree we planted when we moved in.
10. Trade it- Barter your goods and skills for something you need
11. Put the word out- Tell others that you need or are looking for something in particular. One man's trash is another man's treasure! Sometimes you can find exactly what you need for cheap or even free!