C- Contentment
As I have already shared, contentment has been key. I will tell you that it has not been easy. Contentment is a choice, not always an easy one but a choice none the less. 1 Timothy 6:6-8.
A- Always use cash
This is the basis for Dave Ramsey's program. This has helped significantly in our grocery budget. I really need to start using cash for other budget items as well.
This is the basis for Dave Ramsey's program. This has helped significantly in our grocery budget. I really need to start using cash for other budget items as well.
S- Sacrifice
When it comes to saving money, sacrifice will always have to be part of the process. The more sacrifices that are made, the easier it becomes. Some examples include: becoming a one car family, canceling satellite/cable, eating out less and buying clothes at consignment stores instead of the mall.
When it comes to saving money, sacrifice will always have to be part of the process. The more sacrifices that are made, the easier it becomes. Some examples include: becoming a one car family, canceling satellite/cable, eating out less and buying clothes at consignment stores instead of the mall.
H- Hunt for bargains
This includes what is known as the "buy ahead" principle. The idea here is to buy things at rock bottom prices before items are needed. For example, in January I purchased $670 worth of clothes at Old Navy for $130. My oldest child has a complete wardrobe when she grows into the next size. The other kids also have items that will fit them in the future.
Another principle here is to think outside the box when shopping for groceries, household goods and toiletries. Walgreens, CVS and Rite Aid are great stores to find not only toiletries at rock bottom prices but also groceries. Target** is another source of great deals. Last week, Target paid me to buy oatmeal!
** The one caveat I have for Target is that it is easy to walk out with a $200 bill when you went in to pick up a few "deals".
The best way to maximize the "hunt" is to use coupons found in the newspaper (L.A. Times in my area).
Happy Saving.
This includes what is known as the "buy ahead" principle. The idea here is to buy things at rock bottom prices before items are needed. For example, in January I purchased $670 worth of clothes at Old Navy for $130. My oldest child has a complete wardrobe when she grows into the next size. The other kids also have items that will fit them in the future.
Another principle here is to think outside the box when shopping for groceries, household goods and toiletries. Walgreens, CVS and Rite Aid are great stores to find not only toiletries at rock bottom prices but also groceries. Target** is another source of great deals. Last week, Target paid me to buy oatmeal!
** The one caveat I have for Target is that it is easy to walk out with a $200 bill when you went in to pick up a few "deals".
The best way to maximize the "hunt" is to use coupons found in the newspaper (L.A. Times in my area).
Happy Saving.
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