Archive for the ‘Uncategorized’ Category

Frugality Births Creativity

Wednesday, February 21st, 2007

I feel very blessed to have learned to be frugal because it has stirred within me creativity that I never knew I even possessed. The blessings from my thriftiness are endless and seem abundant in our life. When we had money, we did not feel the urge to be creative with our resources. If we wanted something, we bought it. End of story. Now that we are trying to be more careful with our funds, I have found that I am more creative than I have given myself credit for.

I just want to share with you one example of creativity that has helped us financially. Obviously the website has been a great endeavor for me, but there are little things in my life that I haven’t had the opportunity to share yet.
When we found out we were having a girl, all I could feel in my heart was love and a sea of pink. I couldn’t wait to dress her up in pretty dresses, tights, patent leather Mary Janes, and get to have tea parties with her. I love my son like crazy, and was just so excited that I have one of each child so that I can do unique things with each of them.
When she was born, I never knew that a baby could have so much hair. She had this beautiful, thick dark hair and all I wanted to do was put hair bows in it. We started out with the baby headbands and I was disappointed with the selection in our area. When searching online though, I thought the prices were ridiculous and not worth that amount of money.
Fast forward to six months later, and I had completed a spokesperson position with Cascade. We received the money from that endeavor and I turned to my husband one day and said, “I want to invest that money into a little business for myself making girl’s hair bows.” I won’t say that he was jumping up or down or anything, but he said he supported me, if that is what I wanted to do with my money.
I got a book on how to do it and started hording myself in our basement with a glue gun. I researched for hours on ways that I could get these little masterpieces to stick in their hair without ever being removed. I researched the best types of ribbon, where to purchase the ribbon, how to present the bows and pricing on them.
Pictured here is an example of some of my handiwork. These batches of bows were made for my girlfriend and I was so thrilled to put together such fun ribbon selections, chosen by her. When purchasing ribbon for her bows, I also happened upon these really cute Irish ribbons and I grabbed as many as I felt I could afford. We live in Irish Country (Notre Dame University is just minutes from our house), so in other areas this would be a seasonal item. In our area, it is a year-round type of thing.
I have had great success with selling the girl’s hair bows. Although I am not brave enough to put myself out there online, as it is a tough market, I have had great success by just taking my daughter places in her bows and people asking where I bought them. She has been a great little model for me and I have made some good money doing it. This money is being socked away for something special. What that is? I don’t know yet, but I feel empowered knowing that I can help with the finances and to have a little stash stored away for a rainy day.


The lessons I have learned through my latest little business are great…

I have learned that I can be a creative, even though I never believed that I was.
I have learned that a supportive spouse is worth its weight in gold. My husband could have shook his head and told me he thought my idea was ridiculous, but he didn’t. I didn’t say he didn’t think that in his head, but he never voiced those feelings to me.
I have learned that if there is something not out there that you want, or if there is something you want but can’t afford, find within yourself to be creative and come up with it yourself.
I have learned that there are two types of people- those who think I charge too much and those who think I am selling myself short.
I have learned that asking for money upfront is the best policy. I have had people place orders that have never paid or make requests for items that I worked tirelessly on, only to tell me that they changed their mind.
I have learned that one compliment can go a long way with me. Just one person telling me that they liked what I do is enough to push me for an extra week on whatever I am doing.
I have learned that there will always be people who think that they can do whatever you are doing, but better. There will always be haters out there, but the important thing is to not allow their negativity to take the best parts about yourself out of you.
I have learned that by teaching myself new skills, that I can draw from those skills when occasions arise and save a lot of money on gifts for others.
I have learned donating my creativity to good causes makes me feel more creative and powerful than I have ever thought I could be.
I have learned that doubting myself is the biggest creativity buster of all.
I have learned that frugality fuels creativity. Creativity fuels our bank account. Our bank account fuels a peace about what we have. The peace fuels a happy home. A happy home fuels my life. My life fuels my family. My family fuels me.
What are some of your proudest creative moments? What has frugality fueled within you?
For more Rocks In My Dryer Works-For-Me Wednesday Participants, please click here.

Things To Do When You Are Snowed In

Sunday, February 18th, 2007

Well, maybe all you folks out in the South aren’t covered with snow like Indiana is, but maybe you just are looking for some things to do to pass the time? Here is a compiled list of ideas to pass those long days at home…

1. Start paying your bills online. Signing up through CheckFree.com saves you time and stamps. I love getting their reminders to pay my bills and it makes preparing for taxes a cinch. I was disappointed that they have discontinued relationships with a few of the bigger companies that we work with (American Express & GMAC for starters), but it is still a great way to pay your bills and there are no monthly fees. If you don’t want to do your bills through a third-party, you can contact the companies you pay your bills to and sign up for their online bill-paying or have automatic withdrawals taken from your account.

2. Do your shopping through reward sites. These posts on MyPoints & Ebates should help you start gaining rewards for doing your shopping this year. Why shouldn’t you get a few freebies for things you are already buying? I just got another “Big Fat Check” from Ebates for $45.

3. Give your kids a bath. Oh wait! Am I supposed to be doing that regularly? Bath time does not need to be boring though with recipes for bathtub crayons & bathtub finger-paints. Check this post for thirteen tips to make your children’s bath time fun.

4. Update your spice rack with spices you actually DO use. Do you use Coriander regularly? I don’t! I do use a lot of grill seasoning mixes though. Updating your spice rack will save space in your cupboards and will make the spices you do use more accessible when cooking.

5. Program your cell phone with some handy numbers you might wish you had later on. Anyone ever use their phone as a light to try and hunt through the phone book for the electric company’s telephone number? Read this list for some contacts you should add to your address book.

6. Weed through some of your child’s artwork. Every mom knows that all of the pieces of artwork are special, but it is hard to highlight your favorites if you have piles of artwork stored. I shared a tip that we use for weeding through our son’s artwork that still works like a charm.

7. Find some free artwork for your child’s room. I offered a fun tip for putting your children’s books to work in your kid’s rooms.

8. Bag up some dinners for your family. This weekend I am bagging up pizza mix, cornbread mix, cocoa mix, and pancake mix. This saves me so much time throughout the week and I only have to dirty up the kitchen once versus every night.

9. Hunt for all of those broken crayons, scattered all over the house, and put them together to make fun crayons using a muffin tin & your oven. These are a blast to make with your children and are much better than throwing those crayons away!

10. Rent a free movie from your library or use a free code from RedBox. I just got a newsletter from the site and they have new RedBox codes for free movies.

11. Order what you need from Sam’s Club and then make them hunt through the store for you. It is fun to browse through their site and no need to entertain children while you are trying to figure out the best price.

12. How about treat yourself instead of treating the kids? Check this post for a few ideas on ways you can care for yourself!

13. Don’t wait until the last minute and start planning your child’s birthday party now! This post shares a directory for places that offer children’s birthday parties.

14. Update your calendar and use a free organizing software program. No more miscommunications between you & your hubby about your girl’s night out anymore. Using this software will allow your calendar to be right at his fingertips!

15. Hunt through your cupboards and find some plain white mugs and do a painting craft together with your children. This craft was a hit in our house and killed a few hours in a long day at home.

16. Craving some yummy restaurant food, but you don’t want to brave the cold weather? Try making some restaurant classics from home using these recipes I have provided. It might not taste just like the restaurant food, but it will be a hit in your house all the same!

17. Menu plan for the next month or so. Stumped for ideas? Check all of those take out menus that have been hiding in a drawer for inspiration.

18. Share the best piece of advice you have ever gotten or just read the responses from some of our readers.

19. Organize a gift closet to help you with all of those functions you will be going to this next year. This is the first entry in our series for stocking your closet.

20. Have you not made an effort with some relatives in awhile? Try penning a newsletter about your family and include some updated photos of your children. I loved this new free newsletter software for its ease and beauty.

It’s Not What You Know, It’s Who You Know

Thursday, February 15th, 2007

Everyone knows someone who knows something. That something could be as simple as how to get a stain out of clothing or it could be as complex as the types of supplements you should be taking for optimum health.

I have a theory that everyone carries around one piece of information that has stuck with them from an expert in a field. Maybe it was your vet? Maybe your doctor? Maybe you are close friends with a nutritionist? Maybe you have a really good accountant who gave you some tax advice that you never forgot?

What is one piece of advice you got that you never lost? Your piece of advice could be life changing for one of our readers. Please share away by clicking the Comments link.

My one piece of advice that I received, while not life-saving, is one thing that has always stuck with me. One of my friends went to visit a dermatologist and she asked her what was the best thing that she could do for her skin. The dermatologist suggested to always, always moisturize her neck because it is one of those areas that many people forget. That is why you see many women with beautiful skin and they show their age in their neck area. She also said the best type of facial cleanser you can use is Cetaphil. I have discovered that our local Meijer sells an off-brand of Cetaphil and I have started using this on my skin. It is much cheaper & gentler than other things I have tried.

Not everyone can afford the luxury of expert health. Many people cannot even afford the insurance needed to ever sit down with an expert. Likewise, many of us have the financial means to employ someone to help us through tough situations. Do you have a lawyer, a doctor, a financial planner, a counselor for your child?

What was that one piece of advice that they shared with you that you could, in turn, share with someone else?

The Gift Closet Part One: Wrapping Gifts

Tuesday, February 13th, 2007


I had an email which requested that I talk a little bit about the gift closet and how we stock our gift closet. First, I am using the word “closet” in quotes because we do not have a spare closet to stick all of these gifts in. The one major closet that we had in our house was revamped and now houses our entertainment unit (People with small homes should definitely read that post!) Instead, I actually use a clear plastic tote and a shelf in our basement for keeping these spare gifts.

A gift closet is just the idea of keeping gifts that you can use for any occasion. Some people stock gifts with a specific purpose in mind, like Christmas. Other people stock gifts that they think they will be able to use throughout the year, like birthday parties, weddings, or housewarming gifts.

Now just about any tightwad I talk to has a place that they horde deals that they run across. Why should you pay full price for a gift when you can raid the clearance sections of stores and thrift for goodies that will make great gifts? The purpose of my gift closet is:

1. To have a gift that will fit any occasion. I try to stock for weddings, birthday parties, thank you gifts, get well soon goodies, and the “just because” gift.

2. You are always prepared no matter what occasion strikes. If you forgot to write something on your calendar or suddenly realize that your brother’s birthday is looming and you have no funds for a gift, you can always visit your closet for a great gift.

3. Christmas is not a blow to your finances because your gift closet is stocked throughout the year. I try to buy a gift here and there instead of a giant shopping session which can cause a serious dent in our account.

The first part I am going to discuss about stocking your gift closet are inexpensive ways to package your gifts. Storing gifts, in my opinion, is just one element of stocking a gift closet. Another blow to the finances can be the packaging of your gifts. Here are some of the items that I keep on hand for making my gifts look pretty for less…

– I hit thrift stores all of the time and try to look for pretty tins in the housewares section. At fifty cents to a dollar each, they are a great way to package homemade goodies and make them more special.

– Baskets are nice to have on hand to make an instant gift basket for someone in your life. Try and buy these when they run end of the season sales at the craft stores or when you are doing your thrift shopping. Remember that baskets can be spray painted or decorated with scrap ribbon and filled with odds and ends in your gift closet (tissue paper, a pretty dish towel, or whatever else you have on hand)

– I love to keep jars on hand for gifts. These can be used to package up soups, stews, sauces, jellies, or gift mixes. I use scrap fabric to place on top and also have little odds and ends that I have collected to tie around the lid (cinnamon sticks, silk flowers, twine, etc..)

– I always have items that I can use to wrap gifts with. I have wrapping paper, but I also have other items to wrap with. I save the comics section of our newspaper for children’s gifts. I also look for wallpaper rolls at thrift stores to wrap gifts with. The wallpaper looks so elegant and I can get huge rolls of it for a buck at our local stores. Scrap fabric or tulle can add elegance to any gift.

– I save anything that I think would make a great home for a gift. For example, I love those little sacks that cards come in or the boxes that note cards come in. When I receive a gift, I save whatever that person used to give me my gift in. I have started to gather quite a large collection of gift bags and boxes from hording the ones that were given to our family.

– Coffee mugs and pretty plates are also stashed away for those unexpected gifts. I love to find elegant china plates in the housewares section of our thrift store or unusual coffee mugs. For example, a china tea cup can be a beautiful holder for a small houseplant. When the plant needs to move to a bigger home (or in our house, simply dies a horrible death!) the cup can be washed out and used for tea. Fill mugs with cocoa mixes or tea bags as a sweet & simple get well gift. These are just a few of the uses for these items.

– I love to use the china size boxes for giving cookies in, particularly around the holidays. Tuck the cookies in wax paper and tie with a bow. This makes your treats look like a gift anyone could want!

– I keep a manila folder in my gift closet and place any cards that I receive in it. The front of these cards can be made into a new card or they can be used for gift tags with a quick hole punch and a little ribbon.

– I buy the stacks of card stock scraps and use these for gift tags on my gift baskets & bags. Add a small stamp to it and a quick note and you can bypass Hallmark altogether.

Those are just a few ideas that I have for the wrapping portion of the gift closet. In Part Two, I will began discussing frugal gift ideas for various occasions. If there is something in particular that you would like me to touch on, just reply in the comments section.

Feel free to share ways you wrap gifts or how/where you store your gift closet!

Site is Experiencing Technical Difficulties

Tuesday, February 13th, 2007

I am sorry, but our website is having some problems today. The articles are not matching article descriptions and we are having some other general errors with the site. We are aware of the problem and I apologize for the inconvenience. Our Forum & Blog are still operating normally.

If there is something you are looking for and need today (a menu planner, recipe, article you wanted to read, etc..) please email me at amy@momadvice.com and I can send you the Word file. As long as I am not on overload with requests, I will get what you need to you.

Thank you so much for being patient and understanding. We will try to be back on track by this evening!

Date Night Conversations

Monday, February 12th, 2007

Yesterday my husband’s parents called and asked if they could watch the kids for us so that we could have a night out. Do they even have to ask? We couldn’t take them up on the offer fast enough as there is never a time when we feel like we can’t use a little alone time.

We headed over there, with the kids in tow, and they gave us a bag of Valentine’s Day goodies. There were a pair of pajamas for my daughter, a really nice shirt for our son, and then an envelope for us. In it was tucked some money for our night out. That means we got a dinner out and babysitting services for free! What an amazing gift!

Somehow when we get a night out to ourselves though, we end up spending the entire evening talking about the kids. What can I say? They are the light of our lives and we love them to pieces. Unfortunately, someday we are going to be older and our children will have their own lives and we will have to find some new dinner conversations.

I decided to try something new last night so that we wouldn’t be sucked in by the talk of diapers, time outs, and who got up at what time. Instead I leaned over across the table and said…

“Greatest movie ever?”

“What?”

“I said, greatest movie ever?”

He answered the question and then leaned in…

“Best childhood memory?”

The evening just went from there. I have been with this man since we were teenagers. I thought I knew everything that I could ever know about him. Imagine my surprise when I discovered even more things about my husband. We sat there for a long time and just asked each other questions.

Need a dinner conversation that doesn’t involve the discussion about poop consistencies? I highly recommend giving this a try. It was one of the best date nights ever!

Thanks, mom & dad!

What is this Secret?

Friday, February 9th, 2007

I mentioned today in my blog that I got the opportunity to go to a viewing of the movie, “The Secret” which was recently featured on an Oprah episode. I had decided to not watch the episode on her show and go into the movie with an open mind. I understood the idea behind it, but wanted to make sure that my heart was open to what the movie could teach me. Being a Christian, I also did not want to compromise my beliefs or feel as though I had strayed from what I had been taught. I had heard that the movie could help me be a more positive person though and who could not use a little of that in their lives?

Although I did not believe everything in the movie, there were elements within it that really made me think about the way I have been living my life and how I could improve myself as a mother, wife, daughter, sister and friend. For example, I try to be positive, but find that I am easily strayed by the negative. I want to change the world, but I focus on what I dislike about the world, rather than the positive things that I could do to improve it. I can be very pessimistic when a more positive attitude would be more beneficial to me. Of course I could go on and on about things I have done wrong, but we are focusing on the positive, right?

Many of the principles within the movie are harmonious with what I have been taught to be as a Christian, but hearing them reiterated in a new way made the ideas fresh for me and helped me in a way that I really needed at this point in my life. Here are some basic ideas that I would like to incorporate within my day…

Gratitude– I need to be grateful for what God has already supplied for me. I have so many great things going on in my life and I need to focus on my gratitude for those things, and less on the things that I don’t have. The suggestion for a journal of gratitude is certainly not a new idea, but it served as a reminder to me that I need to do this and start writing down the things I have been given.

Focus Board– They had suggested putting together a focus board of the things that you want in your life. Although I thought too much of the movie focused on the material things, I think there are words and images that I could use within a focus board that I could use to inspire me. I talked about this idea with my husband last night and suggested that we actually do this project together, rather than separate. I told him that I want our goals to be ones that we set together. His goals should be my goals and vice versa. I would like to put on the board the amount of money that we will need to be financially free and focus on that number daily. That is just one example of something we would like to put on our board. Once our board is put together, I will take a picture of it to hopefully inspire you to do your own board!

Ask & Patiently Wait– I have no problem asking for things in prayer, but then the waiting patiently part is the one that I have a hard time with. In a culture where we want everything NOW not later, I have been conditioned to not wait patiently for a response. In the movie they say that if you ask it and believe it, that you will receive it.

Be Positive– It is such a simple idea and yet it seems so hard to do. They do focus on energies and life forces, but what I drew from it is that I radiate what I feel onto other people. If I constantly am consumed with self-doubt and don’t believe in myself, no one is going to believe in me. Yet, if I can radiate confidence and self-worth, people will see that and be drawn to that.
The ideas within the movie are simple ideas, as are the ideas within the Bible. Do unto others, ask and you shall receive, you reap what you sow…yet, sometimes simple is good and simple is what you need.

What an awesome mom I could be if I could teach my children to do these things too. When our children get older we could have them also do gratitude journals and posters of the things that they want in their life. Teaching our children to surround themselves with positive people and to believe that they can be anything that they want to be are great things that I can do for them. Again, they are not new ideas, but gentle reminders that I am not doing enough of this.

I do encourage you to view this movie as it was such an amazing experience for me. Sometimes you need these little reminders and nudges in your life. This served as a great reminder for me and I look forward to implementing these ideas in our home.

If you have seen the movie and would like to share what you have gained from the experience, please chat away! Each person, I am sure, takes something different from it. I took from it what I needed to incorporate within my own life.

I would like to thank WSBT-TV for giving me the opportunity to view this movie!

The Tax Man Cometh….

Thursday, February 8th, 2007

And I am afraid that he is going to be beating our family into submission this year. When you are self-employed, there is no employer to take the taxes from you, thus we end up getting physically beaten at the end of the year. We do save for tax time throughout the year, but somehow handing the money over in one lump sum hurts so much more than the nickle and diming they do throughout the year on other people’s checks.

TaxAct.com is a great place to do your taxes for free or for really cheap, depending upon the plan you opt for. You can download their program or do the whole process over the web. Considering the most expensive plan on TaxAct is a mere $19.95, this is definitely one of the cheapest options out there.

When we were first married, we used H&R; Block for our taxes. My parents had always used H&R; Block, so naturally that was where we went to when it was time to do our own taxes. We were newly married, had nothing to claim on our taxes and were bringing in the big bucks. I about fell out of my chair when the agent told me how much we owed. Then he told us how much we owed him and a repeat performance of me falling out of my chair ensued. What a rip off! We vowed never to return there again, as it was almost like getting robbed from twice in one night. Say what you will about me, but I find H&R; Block to be extremely expensive, especially with all of the wonderful programs they offer today.

I do want to direct your attention to this link where they are offering an exclusive offer to American Express Card Members. You can save 25% on TurboTax Online federal products which includes free e-filing. They also offer a complimentary TurboTax Tax Estimator. If you have an American Express Card, you should definitely take advantage of this offer.

TurboTax also offers a great tool for those of us who are guessing how much our donations are worth. It is a software program called, “It’s Deductible!” and the cost on it is $19.95. You can access thousands of values for the items you donate, track your donations throughout the entire year, auto-fills tax donation forms, and it all comes out in a printable report. We are going to purchase this program as we make many donations throughout the year. A quick picture with your digital camera and you will have all the paperwork you need to make the tax deductions.

I am wondering how you do your taxes? Do you hire a private accountant? Do you do them yourself? What programs do you use?

Personal Finance Corner: Creating & Meeting Financial Goals

Tuesday, February 6th, 2007

I love reading personal finance blogs and have learned so much through these blogger’s entries. I am not a personal finance guru, but enjoy reading the advice from the experts.

This past month we sat down and evaluated our financial goals for the future. We currently are carrying a mortgage on our house, have two car payments to make, a small amount of credit card debt (from when my husband was unemployed), and a sizable amount of student loans. I am a big fan of Mary Hunt and her website, and for her members she offers a rapid debt repayment calculator, that can help assist you in figuring out how to become debt free. Her idea, like many financial advisors, is to snowball the debt to get rid of it. When we pay off a debt, we simply move our payment over to the next debt and pay that off. Then we move those two payments over to the next debt, and so forth. Using this idea helps you pay your debts down quicker without putting any additional money into it (unless you choose so) and requires little effort on your part.

Once we put all of this information into the calculator, we were able to see that we could potentially own everything that we have and pay off all of our debt by 2014. What an achievement that would be for our family. All of this rides on the fact that our cars hold out that long, that my husband stays employed, and that no major catastrophes occur that could deter us from reaching these goals.

My husband was not too keen on keeping our cars for another seven years (his is a 2000 & mine is a 1999) and he didn’t know if he wanted to stay in our house that long either.

My theory on the housing issue is no matter where we live, we will have to put work into our home in order for us to live within our budget. When we did searches on houses in our area, even the million dollar homes would need to be adapted to our taste. The more updating we do to the house we already live in, the more I love where we are. We have plenty of room and there are always things that we could do to the home we are currently living in that could make it special for us. This is also our first home, as we have previously lived in a townhouse and apartments, and I am proud of the home we have. Think back on your own first home…Was it everything you ever dreamed of? Maybe, but maybe not. This is our first home and being in our twenties, I am proud of what we have.

The cars are not the best cars on the block, but I have never felt the pressures of keeping up with anyone in the car department. In a sea of SUV’s and fancy minivans, my Subaru Outback is different, but it is safe and functional. Aren’t those the most important things about a car? If we care for the cars that we have, doing the routine maintenance of owning a car, they could run for many more years.

Have you set financial goals for yourself? Do you find them achievable?

Just some food for thought, but read this article on a woman who is living on 12,000 a year and struggling to get by. She has some creative ideas for staying within her budget. Likewise, how about a family who is struggling to live on $150,000 a year. What do you think about these two situations? How do they compare to your own?

Finally, just to put it all in perspective, did you realize that if you make $2,200 that you are considered rich according to a global study. I bet many of you never thought you are rich, but after reading this article, it might help you to realize just how blessed you really are.

I hope this offers some food for thought! I will continue to share our progress as we tackle our financial goals and will also continue to share ways (on our site and the blog) that you can reach your own goals!

Cheap Dry Erase Board

Monday, February 5th, 2007

It was time to organize my little corner next to our phone. Receipts, notepads, pens and stationary were scattered all over the top of the table so when I happened upon this cute organizer, I snatched it up at Goodwill (a mere $.75) to reorganize this area in my house. The organizer was certainly a diamond in the rough as it was well worn and coated in a thick layer of dust. A good scrubbing did it well and now it houses all of the craziness that was on top of our table. (Note: By clicking the picture, it will expand it in case you want to see things in more detail!!)

Now I can’t take credit for this idea, as I saw it over at mother-in-law’s house. She had received this dry erase board as a gift and I was so excited to add one of these to our house. All you need is a tile (I had one saved from a past craft project) from the hardware store and a little picture stand. I found this picture stand over at the Dollar Tree. Ta-Da! Instant dry erase board. What could be cuter than that? Perfect for leaving messages to each other without taking up too much space!

I did want to point out that sweet picture to the left of our daughter. This is a picture I took when she was really small and had just discovered her feet. It made the perfect picture to frame and one that I am super proud of. There is nothing better than capturing a moment like this!