1. I don't buy much clothing for myself, I don't put on nice clothes unless I go out somewhere to avoid wearing them out. I mostly wear workout pants mostly bought from the Goodwill or Ross around the house.
2. Buying our food in bulk including our meat (just started recently)
3. Make do with less clothing per kid and stay on top of the laundry.
4. Do your shopping at thrift stores as long as you can steer away from the junk. I buy all our glasses at a thrift store 10/$1
5. Using cheap store brand diapers (yes they sometimes leak but the savings is definitely worth it!)
6. Keeping our heat turned down as low as we can stand it and bundling up
7. Making our own soaked whole wheat bread
8. Taking advantage of yard sales in the summer but only bring as much cash as you NEED to spend
9. Not buying conditioner for my hair and the girls (just started this)... (Jan 2012 update, I was unable to brush the girls hair without conditioner, It was torture for them, Therefore I am now the only one going without conditioner)
10. Not buying any bottled water anymore (we have now discontinued our Shenandoah bottled water service)
11. Eating as much free deer meat as we can get (Been doing this since we were married thanks to my dad!)
12. Not participating in any activities that cost money other than swimming
13. Planning out meals and grocery shopping trips ahead of time
14. Not going overboard on Christmas. 3 gifts per kid is it for us!
15. Not paying for haircuts for anyone in our family
16. Plan ahead and buy winter clothing in January and Summer clothing in August. Saves so much $!
17. Getting any free books for the kids that I can find
18. We won't pay more that $10k for a reliable family vehicle even if it means I can't find the color I would like:-).
19. When something breaks, We do without it if possible.
20. Rarely eating out.
21. Using as little gas as possible by leaving the house no more than necessary
22. Grocery shopping only once a week and no more
23. Rarely ever serving an individual serving of meat, Instead I am strerching almost all of our meat into casseroles and soups.
24. Not hiring any household help and doing all of my own cleaning and laundry
25. Not buying any beverages at all other than raw milk
26. Eating lots of oatmeal (bought in bulk)
27. Hurrying in the shower to use less hot water or take showers at the community center
28. Let Grandparents babysit kids
29. Not buying baby wipes
30. Always pay tithe and give $ to those in need.
31. Making my own laundry soap
32. Making my own body wash
33. Making my own salad dressings
34. Making my own vanilla flavoring
35. Making cleaning products
36. Making my own yogurt
37. Gathering up all the change around the house and rolling it up to take to bank
38. Making kitty eat scraps instead of buying cat food when possible
39. Leaving the garage door cracked open to avoid buying cat litter
40. Not hiring babysitters for the whopping $8-$10/hr they expect nowadays
41. Using less household products
42. Eating less, Snacking less
43. Using less butter and cheese
44. Learning how to make more meals out of beans
45. Not going shopping other than for necessities
46. Heating our living room with wood
47. Having kids share school books
48. Not buying any cold cereals or granola bars
49. Saving all of Isaac and Grace's clothes to give to James and Mercy
50. When you need shoes, Buy hiking shoes for your husband and kids instead of regular shoes, They are made to be rough in and last so much longer than all other shoes!
Expenses that are currently killing us and I need idea's to fix it!
Health insurance (Daniels is free but for me and the 4 kids it costs $435/mo!
*update - We switched to Christian medical sharing and are now paying less than $300/mo!
Our Old Fashioned electric ceiling heat (costs around $500 a month in the wintertime!) (Jan 2012 update: due to our wood stove we have managed to get our power bill down to $300/month!)
Homeschooling (costs about $300-$400 per child in books and materials per year) Approx $100 per month for us.
Our mortgage ($840/month plus taxes and insurance, Ends up being about $1100 per month
Food (even though I cut every corner I can with food, I will not sacrifice my huaband and kids health, meaning we spend about $200/week on food for 6 people with very little eating out. $850/month.
Cell phone bills total over $100 month
City Water Bill is $50-$60/ month. (Can't wait to get on a well!)
*update- the town of Christiansburg raised their rates and now pay approx $80/mo. :-(
Life insurance is $120 month (we keep alot because living parent would need to stay home with kids)
Gas costs $300 month
Internet/ home phone totals around $100 month
Vehicle insurance on 2 cars ? I need to check our most recent bills.
*update - we now have only 1 vehicle. This has been very irritating but it works out because Daniel can get to work via his company truck. Just makes evenings tough if we want to go separate directions.
OK, I don't want to be ridiculous about this which I realize I might already be. I just want to be a good steward of all that God has given us AND accomplish our dream of buying land and raising a large family. Now let me hear your idea's for saving money!
Live like no one else is so tomorrow you can live like no one else does~ Dave Ramsey