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does anyone have any good ways to save money and save a lot of it. trying to save for a house and a minivan but i jus cant seem to get the money for it im losing my mind...help!!!!!

i have 4 kids and one on the way. i have jus recently gone thru a divorce and wasnt ready for a lot that happened. im trying to get money saved fast and scrap together any money,or money saving tips i can. even free stuff helps u know. if anyone has any tips or can help me out let me know. thanks a lot.

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babies1234

Asked by babies1234 at 1:52 AM on Jul. 4, 2009 in Money & Work

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Answers (5)
  • Right now might not be the time to be stressing out trying to save a large amount of money. I'd focus on making sure the bills are all paid, and that you have an emergency savings for things that always happen to families, but are not usually anticipated (like flat tire, a/c repair, washer/dryer going out, etc.) Once you get a good emergency fund set in place (at least $600 to get you started) then you can divide what ever windfalls you get on building your emergency fund and then a house savings fund or minivan.

    A good working monthly budget is the best way to not only track your spending but also make plans for each dollar that will help you feel that you have complete control over your money. Divorce and mothering adequately can leave a body stressed. Manage your money well and build accounts for each spending area and you might find some to save right away. Usually 5% of your income is a good start. :)
    lifeasinoit

    Answer by lifeasinoit at 2:26 AM on Jul. 4, 2009

  • Turn off the A/C and open the windows.
    Wash your clothes in cold water.
    Hang your clothes to dry, insead of using the dryer.
    Don’t buy paper towels or napkins
    Make at least some of your own cleaning supplies (this has the added advantage of getting toxins out of your home).
    Past the age of 2,the only beverage humans need is water; don't buy juice, milk, soda, etc., except as a special treat.
    Cook from scratch.
    Replace meat with beans, seitan, lentils & tofu.
    Cook dried beans instead of buying canned. Make your own seitan.
    Whole grains, like whole wheat pasta & brown rice, may cost more than simple grains, like white rice & pasta, but they are more filling &more nutritious, so they really are the better value.
    Frozen fruits & vegetables often cost less than fresh; they have the added advantage of having a longer shelf life & holding their nutrition longer.
    rkoloms

    Answer by rkoloms at 7:24 AM on Jul. 4, 2009

  • Once or twice a week have breakfast for dinner: yogurt with frozen blueberries & whole grain cereal or an omelet with veggies & a little bit of cheese with whole grain toast.
    Before you go to the grocery store, plan your meals & snacks for the next 8 days. Base your grocery list on your meal plan. Pull any necessary coupons. Eat before you shop. Buy only what’s on your list. The sales at the store are not to save you money, but to get you to buy more than you need; if you don't know for sure that you will use it in the next 3-4 weeks, don't buy it.
    If you would like some delicious, healthy & family/budget friendly recipes, feel free to contact me. -Robin
    rkoloms

    Answer by rkoloms at 7:24 AM on Jul. 4, 2009

  • I have an amount of money taken out of my checking account every month and automatically put into my savings account. Ask your bank to set up the automatic savings plan for you. Just don't forget to deduct that amount from your checking in your check register every month. Its so easy and you don't miss it--and the savings build up.
    AND the suggestions from other Moms were great! Good luck!
    Anonymous

    Answer by Anonymous at 11:37 AM on Jul. 4, 2009

  • rkoloms has very good suggestions (except in Texas, I can NOT turn off my AC with it being over 100 degrees). I also like going to mothering.com forums, they have a frugal living section!

    I have just starte with my making my own cleaning supplies (lemon juice, baking soda, white vinegar, etc) It is SO much cheaper! (and better for your health!).

    Just live more simply. We as Americans are kinda...lets see...materialistic and greedy lol. (don't worry I'm guilty of it). I do not buy alot for myself, mostly my kids. My daughter has to have every cute outfit I see so I have banned myself from anymore "wasteful" shopping.

    We shop at the dollar tree for some things as well. They have almost everything.

    Also, cooking from scratch is frugal AND chances are, will taste better that premade and processed food. I made cornbread from scratch last night and I don't even eat cornbread, but loved it!

    babycakes254

    Answer by babycakes254 at 4:39 PM on Jul. 4, 2009

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