Posts filed under ‘Frugal’
The economy has hurt more than businesses, California state workers and households. It has affected tithes to churches, at least to the denomination my church is associated with. Giving is down so much that all the workers have had a 40% pay cut.
I get paid twice a month. If my pay was cut 40%, could I live on the money left? After paying rent and tithe, I’d have $51.69 until the next pay period. (I don’t get paid the same amount each pay period.) I’m going to see how far that gets me.
In May I tracked my regular spending. (I haven’t analyzed yet how/why I spent the money.) For this month I will try to live on 60% of my paycheck. I’m sure I can’t do that since many times it is too close for comfort.
But let’s see how far discipline, wise choices, sacrifice, creativity and prayer will get me. And if there is any left, I’d like to tithe some/all of the money to some of those workers who have a pay cut for real.
Go to your local Baskin Robbins with a friend and use this coupon.
Go soon because this offer expires on the 31st of this month . . . . . Which is January and only 9 days away.
Hat tip to Don’t Try This At Home.
Ok – so I’m procrastinating.
I should be writing a 4-6 page paper on proposition one – “Communication is involvemnet.” It’s really good stuff, but I want to play.
After all, I just finished writing a 6 page paper that list 20 books (ministry-related) I want to read in the next couple of years (and why). This is a useful list and I could have come up with more. The bad thing is that I bought several (truthfully about 6) books. Just when do I think I’ll have time to read them?
And I complied a list of 20 websites that I can use in ministry. This paper was supposed to take only about 5 hours. I easily spent double that.
So, what books do you hope to read in the next couple of years and why? And what about websites – any useful ones you’d like to share?
When does . . .
- 10 reams of copy paper at $5.79 ea
- + 1 box of 100 paper clips at $0.29 ea
- = $16.37?
When Office Depot is having a killer sale. There are two coupons to redeem and this gets delivered to your home for FREE!
This is at lots of other blogs, (my thanks goes to Life in a Shoe) , but I had to share here because I just made an order myself.
Office Depot has 5000 Xerox High-Speed Copy Paper for $58.19 (plus $1.18 for tax). Offer ends March 17th and you can use the coupons only once. Guess how come I know that answer!
1. Click here to go to Office Depot.
2. Search and Add 345603 ( Price : $5.59 ) – Buy 10 of these
3. Search and Add 429266 ( Price : $0.29 )
4. Coupon Price : -$31.00 | Code : 73649244
5. Coupon Price : -$10 off $25 | Code : 44141777
Final Price : $16.37 Shipped.
God provided me with an accountability partner (ap) for the Treasure Principle sermon series. (Maybe two!)We’ll meet weekly to talk about our goals, how we did, educate ourselves about this issue and pray. I think prayer will turn out to be the key to our changing.
Our discussion revealed that we have some doubts about God’s willingness to take care of us financially. When I was married I didn’t feel that way. Even though at times we were poor (like not knowing where the next meal would come from poor), I felt secure in my hubby’s ability to provide. I just didn’t worry about finances. Back then I KNEW that God would provide either through hubby or other means. And He did every time.
However, since the divorce, I’ve felt very vulnerable and fearful. Isn’t that plain nuts? I have the same God. Maybe I was really counting on the hubby to provide and not God. My ap and I realized that our focus is off. We want to focus on God and not the giant.
So part of our assignment for next week is to daily list “5 Ways God Took Care of Me Today.” I won’t always make this list public, but here’s today’s list.
- The accountabilty partners from God are just what I need. Not only will I get some structure in this area, I’ll have fun doing it. And I won’t have to do this alone.
- God provided our WM account with $98. It came from the used cell phone/inkjet cartridge fundraiser. This money will go towards scholarships for the Retreat. We will do this fundraiser again!
- I didn’t spend any money. That is always a plus.
- I received emotional support. Several people called and/or visited me. Connecting with other women in honesty, fun, intelligence and caring fills up my emotional tank. The more filled it is, the better I am able to not resort to buying things to fill my tank.
- God reminded me of my priority. I want God and not Things, Money, or People to rule my heart, pocketbook, words, actions and how I spend my time.
Be sure to pick up your copy of The Treasure Principle: Unlocking the Secret of Joyful Giving by Randy Alcorn. Go to the church office to pick one up. It’s $6.
There are two Treasure Principle Small Groups at church these next 6 weeks (Feb-Mar 2007). Pastor Mike has one on Wednesday nights, 7-8:30 pm. John and Shula have one on Thursday nights, 5:30-8:30 pm. Their group starts with a potluck.
Call the church for phone numbers or more info on the groups. Or how about forming your own group? Or getting an accountability partner or two?
Electric blankets belong on the bed, right? Not in my house.
I got a clue from Linus. Like him, I transport my (electric) blanket with me from room to room.
- Studying at the computer – blankie is with me.
- Reading on the chair– blankie is with me.
- Watching TV on the couch – blankie is with me.
- Cold head? No worries, I won’t use it as a head covering.
Just be sure to read the safety tips for your blanket.
Below are a few of them.
- Replace it if it’s more than 10 years old.
- Don’t tuck it into the mattress.
- Check it over for signs of wear, and broken/frayed cords.
- Best to use it as a top blanket only.
Chip loves the blanket as much as I do. He’s not too happy when I scootch him over so I can have some of the heat.
Also read here the list No Credit Needed (NCN) has compiled of what others believe is their best frugal tip. There are a lot of good ideas. It took me a little while to come up with something not already written about. See anything you want to comment about?
Last week Sista went for an eye check.
That’s important to do once you reach a certain (adult) age and there’s a family history of glaucoma. Plus she was having a little trouble finding the correct place to put her book in order to read.
Doctor’s report: Her eyes are fine except for needing reading glasses. The doctor said she could go and get $150.00 pair of glasses from their office . . .
OR . . . go to Longs and get a pair of reading glasses for under $10.00.
When Sista explained her new eye situation to her oldest dd, K, she had an idea.
“Mom, why don’t you go to The Dollar Store and get a pair for a dollar!”
So that’s just what sista did. And she splurged – bought TWO pairs. One to keep in her purse and one by the computer.
So really Sista saved $298.00.
And she topped any of my money saving ideas.
What money saving idea are you keeping secret?