Archive for the ‘Finances’ Category

May 6, 2011: Prayer for Today

He replied, “You of little faith, why are you so afraid?” Then he got up and rebuked the winds and the waves, and it was completely calm.  Matthew 8:26 Jesus, I spend so much of my time worrying, wondering what the future will hold.  Will Brad get the job he wants?  Will he go back […]

How to Thin your Toddler’s Bangs

One of the ways I save money is by cutting our family’s hair!  Naomi has been my willing (and sometimes unwilling!) guinea pig in this hair-styling journey.  She is a typical active toddler, with very straight hair.  Her bangs, which I first cut at 14 months, have become too thick and have begun to dominate […]

Cheap Children’s Clothing

Oliver and Naomi dress to impress.  At any given time, Naomi has more clothing in her drawers than I do, and Oliver could go for three weeks without repeating an outfit.  Yet, I have purchased few, if any outfits for either child.  How do we do it? Hand-Me-Downs: Many of the clothes Naomi wears are […]

How We Save on Big Ticket Items

Every year our respective families approach Brad and I, asking us what we would like for Christmas.  Due to our nomadic lifestyle (5 homes in 5 years), many typical items for a young couple just don’t work for us.  Aside from gifts for our two children, we live with a minimal amount of possessions.  This […]

Startling Statistics: Moving In With The Parents

“From 2007 to 2010, American households lost $11 trillion in real estate, savings, and stocks–including a third of the value of our homes.”  Reader’s Digest “Hard times mean record numbers of Americans–even older adults–are moving in with relatives.  ‘Doubling up’ has kept nearly two million people out of poverty and resulted in over 15 million […]

Refinancing? (Part 1)

I was reading Reader’s Digest this week and saw the following in an article titled, “Cents and Sensibility” by Beth Kobliner: “If you have a mortgage, know the interest rate.  And learn if, when, and how it adjusts and whether refinancing makes sense.  Consider downsizing to a smaller home, a step that one in five […]

April 11, 2011: Job Search Update

  Brad began working full-time as a long-term substitute teacher at an alternative school for boys on February 9, 2011.  An acquaintance from church recommended him when their P.E. teacher needed a long-term substitute while she was out for surgery.  The job was initially supposed to last for 4-6 weeks.  When the regular teacher returned, […]

Our Federal Tax Refund is here!

You may chuckle at my exuberance, but I’m sure you have all been excited at some point in time with the arrival of your refund.  Last January, I began to follow the blog Money Saving Mom on-line.  It wasn’t long before I noticed how often Crystal and others on her blog were referring to this […]

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