Showing posts with label finance. Show all posts
Showing posts with label finance. Show all posts

11.19.2009

Cutting the Cable: 10 Reasons Why To Do It

As I mentioned before, we cancelled our television several months ago.  Surprisingly, we've hardly noticed a difference, due to some of the reasons I list below.  As we enter the winter months and our family begins to spend more time indoors, I hope this continues to prove true.  I'm already looking for other sources of entertainment...let me know if you have any suggestions!

Here are some reasons to cancel your cable or satellite, and still be connected:

1. Cut monthly costs.  The most obvious reason, in this time of struggle in our economy, is the amount saved in your monthly budget. For our family, cancelling our subscription to DirecTV saved us $45-50/month.  This number could be more or less, depending on your package.  For some of you, it's not enough to make a difference.  However, to those of us SAHMs living on one income, it definitely adds up.

2. Get connected.  As we move forward to a more electronically-connected life, many people find that they can stay connected to the world via the internet.  This is true with newspapers, magazines, and television.  With websites such as hulu, avid television watchers can continue to watch regular broadcasts of their favorite programs for free.  In addition, you can choose when you watch the program, as well as pause and resume when needed.

3. On-Demand.  As with hulu gives you access to your favorite shows, Netflix gives you access to your favorite movies.  For as little as $8.99/month, you have thousands of choices both online and in DVD format.  Utilizing both of these capabilities gives you control of what you watch, and when you watch it.

4. Over the Air.  Another way to stay up-to-date with your television programs is to use the channels available over the air.  Most areas offer local ABC, NBC, CBS, PBS, and CW channels, providing that your television is capable to access them.  To find out which channels are available in your area, visit here.  Simply type in your zip code, and choose Broadcast (Antenna).

5. Focus on what is important.  By cancelling your cabel/satellite, you decrease the amount of distractions in your life.  Often, the family television is on even when no one is actively watching it.  By cancelling it, you will learn to focus on what is happening in your life without the distraction of your television on in the background.

6. Reconnect with your children.  I know from experience that television can be used as a baby-sitter.  I used it to distract my children so I could cook, clean, or perform some other task without "help" from my little ones.  I also used it at night to calm them down before bedtime.  Instead of turning to television, find a game or craft that your child is old enough to handle and let that keep them busy while you work.  And at bedtime, bring back the bedtime stories.  It's been proven that this helps them learn the importance of books, which will help them through the many years of school in front of them.  Even NBC agrees!

7. Discover a hobby.  All those hours and nights set aside for catching up with your television programs are now free, so why not do something you enjoy?  Start quilting again.  Or work puzzles with your kids.  Or find a new hobby.  With all this extra time, you and your family members can dedicate 30 minutes or more a few times a week and learn a musical instrument.  Lessons are available online for free, or you can find someone in your area to teach you.

8. Get involved. When you don't have your evenings set aside for television watching, you suddenly have free nights to fill.  Find out what is going on in your community, and start enjoying what is offered.  Many events are free or of little cost, and can add an appreciation for your community to your family's life.  Check your libraries, parks, and other public organizations for fun activities.  Also check the communities of cities surrounding you for ways to get to know your area a little better.

9. Boost your health. With your nights and evenings, you can find a fitness program to help you get back into shape.  Whether it's aerobics, Jazzercize, yoga, walking, or free-weight training, we all need exercise to stay healthy.  ALSO: Use your time to find healthy ways to prepare your meals, and decide to stop eating fast-food on week nights.  You will be surprised how quickly this leads to a more healthy you.

10. Rest. Although it may not seem very important, sleep (or the lack thereof) plays a significant role in your day-to-day performance.  The Mayo Clinic has found that adults need 7-8 hours of sleep per night.  So, instead of catching up on your dose of reality tv, go to bed!  Start fresh tomorrow, and enjoy your own reality.

Keep your camera handy.  With all this extra time, you will be creating lasting memories that you will want to document.

10.17.2009

Old School Frugalista



2003 – 2009Seth and I are thankful that have been blessed to have three wonderful children to raise.  We made the decision in early 2003 that I would stay home and take care of our children, and the Lord has blessed that decision.  It’s never been easy to buy groceries, clothing, and everything else that comes with our growing family, but we’ve somehow done it.  And with no credit card debt to this point in our life.  I am now entering into my 7th year of being a stay at home Mom, and I have become a pro at finding good deals and taking advantage when I find them.  (Read about some of the ways our family saves here.)  I clip coupons, look for sales, buy in bulk, and stay connected to many money-saving blogs on my RSS feed.  (Including ClippingMakesCents, MoneySavingMom, and The Simple Dollar.)  


…(I should stop here and say…Not that I don't occasionally splurge...believe me, I do…and I am really trying hard not to do that as often as I used to.  But sometimes…those kids clothes are just too cute to pass up!  :)…


In a way, I find it rewarding to know that even though I am not bringing money into the budget, I try to be frugal in a way that makes our life a little less stressful.  It’s kind of my job, and I try to do it well.


At the presentOur nation is technically coming out of a recession, but our bank accounts have yet to show this as true.  But saving money and cutting costs seems to be a growing trend across the board in American homes.  And guess what I saw on a commercial yesterday…Target’s “frugalista” girls showing how to be fashionable on a budget.  Whaaaa??  Did they really say “frugalista”??
  
So…what?  It’s now cool to be on a budget?  Awesome!  Finally, a trend I can be a part of!


And skirts are “in,” so I may just be the coolest Mommy on the block…the verdict is still out on that one.  :)


7.22.2009

How To: Easy Money Every Month

Yes, our country is in a recession. Has your family's lifestyle has changed in response to this? We made a few changes in our home that I want to share with you. Maybe one of these will save you a few bucks a month:

  • Cancel your newspaper. I never read it, Seth only read it on the weekends, and we both check our newspaper's website on a regular basis to keep up-to-date. $ saved = $30/month
  • Join a family cell phone plan. I upgraded to an iPhone, got the data package, and still pay less. $ saved - $10/month
  • Shop at local thrift stores. It's not always a jackpot, but you will occasionally find a good deal. $ saved - $25/month (approximately)
  • Cancel your satellite/cable. This was a biggie for us. We weren't sure how we or the kids would react to this, but we decided to go about it like a band-aid - rip it off fast, and it only hurts for a minute. We still have the local channels, so we're not really missing that much. $ saved - $45/month
  • Cut your dog's hair at home. This was an easy change. We bought the clippers online, and found a diagram that showed how the hair should be cut. $ saved - $30/month
  • Shift to bi-weekly grocery shopping instead of weekly. This was a surprise to me. I didn't think we could go that long between shopping trips, nor did I think this would save money. I was wrong on both counts. I do occasionally need to stop by to pick up milk or bananas, but for the most part I only go every other week. $ saved - $50/month
  • Turn up the thermostat 2 degrees during the day. The kids and I are outside for the majority of every day, which means the house doesn't need to be as cool as in the evenings. I do turn it back down around naptime. $ saved - $10/month
  • Total amount saved - $205/month

Are any of these ways you could cut expenses at home? Are there any other ways your family is cutting costs? Let us know!