Raise your hand if you’re a saver. You know, you never spend money. You’re biologically opposed to pulling out your wallet. You’ve got thousands squirreled away in a savings account somewhere, and you’ve built it up almost without thinking about it.
I bet you grew up in a frugal family, right? Did your mom always pack sandwiches when you went on road trips? Did you rarely, if ever, go out to eat? When you did, the whole family ordered waters and split entrees. Am I close? Did you live in a modest ranch your whole life, wear hand-me-downs, and ride in the same car for a decade (that your parents paid cash for)?
I’m not making fun. No way. I’m actually a little jealous. Here’s why: you had the best possible education growing up. Your frugal family taught you how, almost without thinking about it, to spend less than you earn. You feel trepidation–a healthy fear–towards buying stuff, and you instinctively pause before buying a material item, and think about whether you actually need it or not. Continue reading “How to Save Money When You’re Not a Saver”
Summer looks and feels a little different for most of us, but for those of us with kids, there are some big logistical challenges to overcome. My friend who has works full time starts planning her kids’ camp schedule in February. Another friend who works part time has her husband work remotely on days she goes into the office. I’m home with my kids all summer since I’m a teacher, but I definitely need a plan for fun and sanity.
Read on for how I’ve finally figured out, after many summers, how to include both, without spending a fortune.
Two years ago, after seven and a half years as a stay-at-home mom, then two years as a part-time marketing manager, I did an abrupt career change and became a part-time ESOL (English to Speakers of Other Languages) teacher at my kids’ elementary school. It’s been such a wonderful way to make a difference, earn money, and see my kids every day.
And the best part of it is that when summer finally arrives, the boys and I are off! We are free to enjoy the summer, go to the beach, and have playdates.
Mr. ThreeYear and I practice selective frugality. That is, we spend our money on the things that matter to us, but minimize spending in areas that don’t matter. One of those areas is clothes. While I haven’t been on a three-year clothing ban like Mrs. Frugalwoods, I minimize costs in this area whenever possible. We also have two kids and live in Winterfell–I mean, New England–so we have growing bodies to clothe through our long, snowy winters.