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how do you make your money work?

I have 3 kids and sepnd 400 a week on food abd groceries ,,have credit card debt and we r just making it ,,,,never have been this bad ..i know the economy sucks , but help? ideas guys???? p.s. i do shop frugal..

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Anonymous

Asked by Anonymous at 5:49 PM on Feb. 4, 2011 in Money & Work

Answers (8)
  • Focus every extra dollar on getting rid of that credit card debt. Make a budget and stick to it. Dave Ramsey has some great tips, and there is a group here on CafeMom for Ramsey followers. There are LOTS of good tips/ideas in there. Best of luck.
    Scuba

    Answer by Scuba at 5:51 PM on Feb. 4, 2011

  • Try writing down everything that you spend your money on, and take some time observing how you are spending it. Often, people are surprised at where the money is going if they really pay attention.
    evwsquared

    Answer by evwsquared at 7:25 PM on Feb. 4, 2011

  • We budget down to the dollar- that way not a penny is wasted. We also use cash instead of debit or credit cards. That way there is no way we can over spend.

    Check out the book Total Money Makeover from your local library.
    Erica_Smerica

    Answer by Erica_Smerica at 8:10 PM on Feb. 4, 2011

  • get rid of the credit card. Put it away if you need to, until your in a better position.
    brieri

    Answer by brieri at 8:11 PM on Feb. 4, 2011

  • Here are a few tips for saving at the grocery store (you seem to be spending WAY more than you should):


    Make at least some of your own cleaning products. This has the added bonus of bringing fewer toxins into your home
    This is what we use for most cleaning (initially used as part of my daughter's 6th grade science fair project). It is cheap (my favorite) and non toxic.
    ¼ cup white vinegar
    ¾ cup warm tap water
    1 tablespoon baking soda
    10 drops of tea tree oil (antibacterial, antifungal, etc.)
    2 drops oil of lavender essential oil (antiseptic and smells nice)

    Stop buying paper towels and napkins. Cloth napkins are more fun! Pick up cheap cotton towels at your favorite second hand shop. Save money and trees!!

    cont
    rkoloms

    Answer by rkoloms at 12:08 PM on Feb. 5, 2011

  • Past the age of 2, the only beverage that humans need is water. Stop buying juice and sodas; buy milks only for cooking and cereal. You can liven up water with slices of fruits and vegetables; make ice cubes with blueberry eyeballs for the kids.

    Replace meats with beans, lentils, tofu, seitan, etc. You can save even more money by using dried beans and lentils and making your own seitan.

    Cook from scratch! Home cooked foods taste so much better than the nasty boxed stuff, and you will feel better because you are eating healthier foods.

    Replace simple grains (white flour, white rice, white pasta, etc.) with whole grains (brown rice, whole wheat pasta, whole grain breads, etc.). While whole grains may cost more, they have more nutrition and are more filling, so they really are the better value.

    cont
    rkoloms

    Answer by rkoloms at 12:08 PM on Feb. 5, 2011

  • Frozen fruits and vegetables have a longer shelf life than fresh and retain their nutrition longer; they are often a better, less expensive option than fresh.

    Once or twice a week have breakfast for dinner. Popular options at my house are: yogurt parfaits with frozen berries and whole grain cereal; veggies omelettes with a bit of cheese and whole grain toast; whole grain pancakes with fruit.

    Instead of baking a whole batch of cookies, make and freeze cookie dough balls. No one will be tempted to sneak a cookie(you know who you are) and when you do have cookies they will be fresh baked.

    Only go to the grocery store every 8 days. Before you shop, plan all of your meals and snacks for the next 8 days. Write your list, based on what you need to complete your meal plan. Cont
    rkoloms

    Answer by rkoloms at 12:09 PM on Feb. 5, 2011


  • Pull any necessary coupons, eat before you go (never go to the grocery store hungry). Most important, buy only what is on your list. The specials at the store are not to save you money, they are to get you to buy items that you don't need. If you won't use it in 3 week, don't buy it!


    I have a ton of recipes that are tasty, healthy, family and budget friendly; send me a message offlist if you would like some.



    There are many more great tips in the Frugalistas group:  http://www.cafemom.com/group/112383

    rkoloms

    Answer by rkoloms at 12:10 PM on Feb. 5, 2011

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