Wednesday, March 25, 2015

Stretching Her Husband's Hard Earned Income


She is an amazing woman who made an incredibly long comment on my post Making It On One Income. (You might want to go read it along with all the other wonderful comments!) She does everything she can to live within her husband's income even if it means sacrificing some of the pleasures in life. Most women today simply put things on their credit card, thus digging their family deeper and deeper into debt. This is NOT a good way to live. Stuff will never bring happiness and debt makes us a slave. Why not learn from this very thrifty woman! Here, in her words, is how she does it.

We breastfeed, use cloth diapers, napkins, 'mama cloth', line dry, solar cook, burn wood for heat that we harvest ourselves. We cook on the wood stove, buy all clothes that we NEED second hand (except socks and underwear). We pick as many wild blackberries as we can during the summer and freeze them. 

I make my own cleaning products, personal care products, and most condiments. I would also add that we have a child with multiple severe food allergies, and I do buy our staple foods in organic versions and make all my own baked goods, treats, etc. from healthier ingredients. 

We have SLOW Internet, no cable. No smart phones. No fancy gadgets. We do have newer vehicles, one that we are still paying on, and my hubby just bought a motorcycle for its fuel efficiency for his commute. We have a small backyard flock of chickens for egg and for meat. 

We use natural lighting and open the windows when it gets hot; we don't turn the A/C on until it gets to 85 degrees. We unplug all of our electronics when not in use, except for the fridge, upright freezer, alarm clock, and the electricity that runs our well pump. My kids don't do organized sports. If they get a gift that they really don't like, we store it to re-gift to a friend. We don't do big birthday parties; just milestone birthdays. We limit their Christmas gifts to five things; a want, a need, a wear, a book, and a new Christmas ornament. 

Vacations consist of visiting family in another state. We limit driving. We limit eating out, or impulse shopping; we stick to the grocery list. If the kids don't leave the house or play outside, they don't take baths. When they do bathe, they share bathwater. I clean the shower with baking soda when I take my shower. We ask for new shoes from grandparents at birthdays and Christmas. 

We got rid of all of our carpeting so I could just sweep the floor and not have to use electricity to vacuum. We hardly ever, ever go to the movies, if we do it's the second run theater. We don't have expensive hobbies, or participate in expensive activities. I sell things we no longer need on EBay. I could go on and on. I'm always looking for ways not necessarily to SAVE money, but to stretch my husband's hard earned income more. 

Moreover it is required in stewards,
that a man be found faithful.
I Corinthians 4:2


Comments (26)

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Love this! I think every person and couple needs to go through Financial Peace University. The only debt we have are student loans, and it was incredibly eye opening! We now use cash budgets for almost everything we spend. I challenge myself to lower our grocery budget almost every month and we are now down to feeding our family of 6 on $400 or a little less each month. We have no credit cards, make a monthly 0 - based budget together, and we are currently focusing everything to dumping debt. After That its on to the fun... saving for retirement and giving more. I became a surrogate. It has been amazing to be a part of bringing life into the world and it is bringing in extra income allowing us to pay 25k on student loans the last 5 months. We are selling anything we possibly can and pouring it all towards our student loans. He teaches you how to invest for your retirement and believes any American should be able to retire a millionaire even on one income (he supports one income families) if invested correctly. He doesn't believe in any kind of debt whatsoever. I'm so thankful we decided to buy older vehicles in cash instead of having a car loan on top of those nasty student loans. My husband does not have a very large salary, but it felt like he got a raise once every dollar coming in had a plan for it. Dave teaches if you don't have a plan for every dollar then the dollar will just walk away. We thought we couldn't budget as my husband is paid on commission, but he taught is how to. My husband receives a low bi-weekly check, but most of his pay comes in one commission check based on his store sales once a quarter. That check varies a lot and now we have a plan for every dollar he gets, I get from surrogacy or whatever we sell... even If is only $10. I was already making everything I can from scratch, making all of our own laundry and cleaning stuff, using Norwex cloths/mops with only water to clean and using natural lighting. Our living/kitchen/dining is one big area with tons of windows. I try bit to use lights at all... Unless we're reading or doing school work. I stay home to save money and only grocery shop every two weeks. This summer I plan to allow the house to get warmer before turning on air... After I have v this baby. :) I get nauseas when I'm hot and pregnant. One more thing about financial peace University. We plan to have all of our kids go through his class in high school. So Much wisdom that I wish I had heard at 17 instead of 27 and 4 kids later.
2 replies · active 440 weeks ago
This sounds just like our family! We DIY anything we can to stretch our money. My husband built our new baby a cradle(and we're making the stain!) and I'm sewing the mattress, I just made mama cloths from scraps of fabric left from other projects and nursing pads from old worn out prefolds. The family cloth is my next task from and old sheet that is unused! We would love to have a wood stove although we rent right now so thats not an option. I make our sourdough bread and our yogurt every week (store-bought yogurt is expensive!!) We're always looking for ways to stretch the budget!! Love this post! And in the process you get to learn and practice some really neat skills! It's a lot of fun!
8 replies · active 390 weeks ago
I love this!! Always looking for good ideas like this! Thank you!
Carolin Martens's avatar

Carolin Martens · 522 weeks ago

I thought I was the only one doing this also. I am a single mother of 3 girls. I do not mention using family cloth very often because of the looks of disgust from family or friends. Really no different if you used cloth diapers on a baby. I have been using mine for about 4 years now. They are still in great shape, stain free and over the 4 years I have spent $5.00 on real toilet paper when I fell behind on the cleaning of our cloths. It is ideas like this that I am able to save for my daughters braces, put some money aside monthly for college.We all have different ways of saving money, and what works for some does not work for others. I read articles about this all the time because my paycheck is never the same. Some months are good others not so good but we still have the same bills to pay. Great post, great tips--thanks
2 replies · active 495 weeks ago
I think a lot of people these days want what they can't have but instead of not getting it, they get it - on credit! We have to learn to live within our means and to be content with our husband's wages. I think that is the key, otherwise, you will be the millstone around your husband's neck; the burden to the family with your out-of-control spending and tearing your house down with your greed.

We have been living debt-free for 6 years now and it has transformed me as a person. We do have medical bills from a recent surgery but we planned out our budget this year to cover medical expenses, other than that, we have no debt. We are also doing the Dave Ramsey program that someone mentioned in the comments, which has helped us prevent going into debt when things happen (they will) and having that emergency fund set up to cover those things, so they don't chain us up in debt again.

In order to save what we need to, we have to go without a lot and live below our means. This includes meal planning and going without meat daily but rather a few times a week instead and doing meatless meals other days. Watching our electricity and water usage. We only have car, that is paid for and we keep the maintenance up on it to keep it running, hopefully for a few more years. My husband works for a company that gives him a vehicle and pays for the gas, so we only spend $90 or less a month in gas for our car. I rarely go anywhere but to the store and church and the occasional homeschool outing and that saves us gas money by staying home more. I wash clothes once a week and all, but the towels and bed sheets, on cold. I hang most of our clothes to dry the ones that would stretch if hung to dry. I don't wear makeup and use minimal self-care products and that saves a lot of money. I make cleaners and detergent as well. Those are just a few things we do!
1 reply · active 522 weeks ago
Wow, lots of great tips in there. And I thought I was a good money saver, haha! I could NEVER use family cloth and would absolutely never re-use bath water (I actually gasped out loud when I read that -- I'm a neat freak) but whatever floats your boat I guess! We are able to make it quite nicely on a small income just by simply staying out of debt and living simply - no drastic measures here, really.
I like everything except sharing the bathwater...
1 reply · active 522 weeks ago
This is great! I do many of the same things except family cloth! I found with 2 children under 18 and one new one on the way that trading for the clothes we need has worked wonders! www.swapmamas.com has saved me a ton of money trading with other Moms who have items I need and vice versa. We have been picking berries and canning from the garden like crazy! Still working on getting the grocery budget down with family of 4...... Love your articles. Found you on Pinterest!
Yes we're right along with many others here: my babes have always used cloth nappies, we use cloth wipes also, myself (when needed, alot of the time I'm pregnant or breastfeeding so don't need them) and my 2 teenaged daughters use mamacloth, we all use family cloth for number 1s only (haven't branched out any further yet on that) I made mine out of cotton tshirts that didn't fit anymore (no sewing needed as there is no freying), we use cloth instead of napkins, papertowel, or wetwipes in most cases. We buy our clothes from opshops, ebay or gumtree, and only what's necessary really. We homeschool which saves alot on school fees. We don't use the car that much, we don't do alot of extracurricular activities, etc. We usually pay for our cars outright. I try to make some basic cleaners, and use microfibre cloths. I also buy this concentrated additive free shower gel in bulk (so quite cheap really), mix it half/half for showers, and 1/12 with water for foaming handwash (makes it cheap, healthy and does the job).

My husband's accountant has often said he doesn't know how we survive and bring up 5 children on his income some years.
I draw the line at "family cloths". Having soiled material waiting for its turn in the wash or me having to scrub away someone elses business makes me feel ill. I don't even like doing it for our children who have accidents. And the cheapest paper version only costs a few cents a roll. With 10 people living in my house I have more than enough laundry. Which is why I also choose to not cloth diaper in this season of life. However, if one feels compelled to use them then great! But it's not for me.
Great article, Lori. I will definitely try out many o these tips!
Smartphone. Perhaps the second-hand, but still relatively current, are good option if someone who wish to be frugal really need such thing.

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