March 4, 2012

Butterflies!

Yesterday we went to the Butterflies! exhibit at the mall and loved it! For $2 a person, it was a frugal little treat for all of us. I love to go to these kinds of things because we can have a fun, educational experience for the kids that fits well within our budget. They also limit the group that is in at a time, so it wasn't overly crowded like I was afraid it would be.


Delaney was a little freaked but enjoyed them. But Jameson was a pro! He was so gentle and wanted to hold one after the other!


Delaney loved to look at them but wasn't interested in holding any. She tried to grab at a few but, luckily, there were no casualties!


Jameson learned a lot. When we got home we talked about how catepillars change to butterflies, so Jameson now knows all about "metmorfsesess" (aka, metamorphosis).


Apparently Shaun's hat attracted the butterflies somehow because there was always at least one on his hat.

My attempt at getting a good photo quality one. Note: Don't expect to get good butterfly pictures when you have two small children with you...


I was just so proud of Jameson. He did such a good job. He used to be afraid of EVERYTHING. A year ago this would have freaked him out. 


Delaney is thinking "What the heck is on your finger grandma!"


Before we went in, Jameson found a little butterfly toy he wanted. I was considering getting it for him since it was only $2. But, after we left, we found this free butterfly craft instead and he forgot all about the toy! Score! 

I am now wishing that we would have gotten a little butterfly garden, though. I haven't found them cheaper online and the ones there partially go to United Way, so I might stop in before they leave to pick one up.

If you are in the Manhattan area you should definitely stop in and check it out!

March 3, 2012

Sharing the Wealth: Find an inspiration (NOT a comparison)

This was a post I was going to save for awhile, but I am feeling inspired to write it now!

I believe that God has a place in this world for everybody. He calls some into the ministry. Some he calls to care for children, some to work labor, others to invent things. I believe that, in this season of my life, he is calling me to be a stay at home mom. The point is, he "builds" everybody for some purpose, whether it be a career or what they do in their spare time. Unfortunately, some people don't ever find that job they are being called into. But that's not what this post is about.

This post is about my inspiration, Crystal Paine at www.moneysavingmom.com. If this is a new reference for you, you apparently are new to my blog. :) I believe that she has fully discovered and succeeded in her calling- helping people gain control of their finances. Crystal (I have decided that I am on a first named basis with her, even if we have never met) is a huge reason that we are where we are today financially.

When I first seeked out money saving blogs, I was looking for couponing tips. I wanted to find out how to get some free groceries. As I started following some of these blogs, I started discovering ways to save a ton of money in other areas of my life. These blogs help me in my day to day purchases and I am very grateful for them. But, none of them have done for me what Crystal's blog has done.

Crystal has inspired me to completely changed my attitude towards money. And this is exactly what I needed- an inspiration instead of a comparison. Comparison is what got us into debt. I wanted things that my friends had. I wanted to go and do things, even if we couldn't afford them, because everyone else was able to. I wanted my kids to wear adorable, name brand clothing because my mommy friends dressed their kids that way. And most of our debt wasn't even made of these little vanity purchases. They were mostly composed of "emergency" charges like car repairs that we didn't have an emergency fund for because we didn't budget well enough to being saving anything. Because I was comparing myself to people who didn't necessarily have the same means as us or the same goals we were not living within, let alone below our means. And that's where Crystal came in.

She is not a person I compare myself to. She is living on ZERO debt. Nada. Nothing. They OWN THEIR HOUSE OUTRIGHT! But I don't compare myself to her. She has a set of situations that are entirely different that I have or ever will have. And that is fine. I don't want her life. She provides me with something far more motivational that a person to compare myself to- she provides me with inspiration to gain the attitude she has toward money.

Her attitude towards money is amazing. She sees money as something that you need to get you through life, not what life should be all about. For example, she wrote a book, The Money Saving Mom's Budget. When she was asked to write this book, she was stressed out because she didn't need the money she would make off of it. So instead of taking the money for extravagant purchases or turning down the book offer, she chose to devote hours of time to writing a book to give all the proceeds to charity. That is simply amazing to me. First, she recognized that they were making enough to reach their financial goals and decided that she just didn't need the money. In a world where athletes are turning down multi million dollar contracts because they aren't high enough offers, it is refreshing to hear a person say that they just don't need that extra money. What an amazing attitude. And then, on top of that, to decide to put forth her own time and energy to write a book entirely for charity. What an inspiration to me! (By the way- if you haven't read her book I highly encourage it. Even as an avid follower of her blog I learned a lot and became even more inspired).

What means so much to me is that, for the first time, I have found someone I can use as my "money smarts" barometer. I have motivation issues from time to time when I am working toward any goal. As much as I want to be in a place where money is not a stressor, sometimes I want that super cute shirt for Delaney more. But now, I can call upon my "What would Crystal do" theory. Is this something that she would encourage on her blog? Is this truly a little splurge that fits into my budget, or is this me wanting to buy something that puts us further from our goals. Even when I am not feeling especially motivated I can use what I have learned from her to decide if it is a smart decision.

I guess the point I am trying to get across is that it is so important to have somebody, whether it be a person you know personally or otherwise, to inspire you, not to compare to. You will NEVER find someone with circumstances exactly like yours to make it wise for you to be comparing yourself to them. After all, you shouldn't be making any decisions based off what is best for somebody else! So quit making decisions based on your envy, and find someone who has attitudes or beliefs that you desire and use their experiences to achieve your own goals. Maybe your person is Crystal. Maybe it is another blogger, maybe a friend. But no matter what, find somebody to inspire you!

March 2, 2012

Shopping trips for this week

As I mentioned in my menu plan, I didn't do an awesome job of planning by what we had on hand this week. I didn't have to buy a ton of meat since we were stocked up, so that helped. I also didn't need to buy any milk yet because I stocked up last month with money that I had leftover from my food budget.

Dillons

2 Loaves Kroger Value whole wheat bread: $.88 each
2 Cucumbers: $.48 each
Whole wheat flour: $2.65 (I am trying to get back to using whole wheat flour since I had gotten bad about it and I think it is really important to get those whole grains in. Does anyone have any awesome tips for scoring cheaper flour? I haven't seen anywhere in town I can buy it in bulk for less than $2.65 for 5 pounds)
Kroger black beans: $.69
Celery: $1.38
2 32oz Yoplait yogurt: $1.99 each, used two $.50 off coupons, doubled for $1.00= $.99 each
1 Lara bar, used eCoupon to get it FREE! (No longer available, but go to www.Dillons.com/cartbuster everyday through Tuesday to load a special coupon)
Kroger bacon: Clearanced to $.99
Bagged salad: Clearanced to $1.49, used $1.00 store coupon that came in a booklet, $.49

Total: $18.02


Ray's


Boneless, skinless chicken breast: $1.49/lb, 3.57 pounds total, $5.33 total
2 Arm & Hammer detergent: $2.48 each, used 1 $1.00/2 coupon, $1.98 each
2 Crest toothpaste: Used raincheck for $.98 each, had 2 $1.00 coupons, overage of $.04 total


Total 10.30
Aldi


Chewy granola bars: $1.59
2 pounds ground beef: $2.79 each (Aldi doesn't sell their ground turkey rolls anymore!!!! If anyone knows of how to score great ground turkey deals please share!)
Kidney beans: $.59 
Grapes: $1.58
Tater tots: $1.89
Chicken broth: $1.29
Butter: $2.29
Feta cheese: $1.99
Oranges: $1.48
3 Avacados: $.19 each= $.57 total
Roma tomatoes: $.79
Corn tortillas: $1.19
1 Paper bag (failed at the "put reusable bags back in van" mission"): $.06

Total: $22.63

Hyvee


Let me preface this post with saying that Hyvee has all of their Kellogs cereal 50% off. Even if you don't coupon you should hit up this sale because it makes most of it cheaper than store brand. Let me also let you know that the kids aren't for sale, they just thought the ridiculous cereal pile was fun. Also, before you think I am a bad mom for buying all this sugary cereal, you should know that my kids don't eat a ton of cereal, these are the kinds that Shaun likes...

I got a total of 22 boxes. Yes, 22. I am ridiculous, whatever. Sometimes a sale and coupon are just too good. I had 4 $5.00/5 Kelloggs cereal coupons. The only restriction on these coupons were that they had to be at least 10 oz, which means that these coupons were AWESOME! I also had an additonal two coupons, which gave me this:

2 boxes frosted chocolate mini wheats little: $1.74 each, had 2 $.70 coupons, $1.04 each

Here is the breakdown of the rest. I have just posted the price after the $1.00 taken off for the coupons. It's just easier that way!:

1 box Crispix: $.79
1 box Fruit loops w/marshmallows: $.99
2 boxes fruit loops: $.92 each
2 boxes Smart Start: $.99 each
1 box Apple jacks: $.92
1 box Frosted flakes: $.99
2 boxes Krave: $.93 each
3 boxes Raisin bran: $.99 each
5 boxes Big frosted mini wheats: FREE!!! (These were actually a discontinued variety so they were $1.00 each before the coupon. I can't tell you how tempting it was to just get 20 boxes free, but I think we would have grown rather sick of them)

I also had a 10% coupon I got here. I was able to apply this before coupons to reach the $25 minimum.

Total: $15.33.  (My receipt shows a total savings of $57.68!) Works out to about $.69 a box! Considering my buy-at price for cereal is $1.00 I am good with that!!

February 29, 2012

Menu plan

Here is my menu plan for the next couple weeks! I feel like I struggled more this week with using what I have in the house because I just wasn't feeling super creative. Oh well, did my best!

1st
Chicken and Veggies

2nd
Roast

3rd
Homemade pizza

4th
Porkchops

5th
Chicken tortilla soup

6th
Ham and Cheese pockets

7th
Haystacks

8th
Black beans and rice

9th
Whole wheat chocolate chip oatmeal pancakes

10th
Homemade pizza

11th
Cheesy Vegetable Chowder

12th
Tater tot casserole

13th
Cobb salad

14th
Chicken and Noodles

15th
Chicken and black bean enchilada casserole

16th
Leftover/eat out/ creation night (this is basically a whatever night- if the budget allows we may eat out on this night. Otherwise we will eat leftovers or whatever creation I come up with based on what we have on hand. It also may be the night that a previous meal is eaten if something comes up and we don't eat dinner at home)

February 25, 2012

Ugh- need more mommy advice!

Ever since Jameson was a baby he has been a snorer. We asked about it when he was little and the doctor just assured us that it was normal, but that if he was still doing it when he was three or so we might need to have it checked out. Well, Jameson is well over three and the snoring has only gotten worse. And now we often hear his breathing pause during the night and then gasp, which is indicative of sleep apnea. When we told his doctor all of this he was in agreement that we should get him checked out by an ENT to see if/what needed to be done about it.

Well, Friday morning was his ENT appointment and, as I feared, he needs his tonsils AND his adenoids taken out! :( He informed us that he would grow out of it eventually but that it would probably be a long time due to how large his tonsils are (apparently they are "most definitely a size 3", whatever that means). And, because that all isn't fun enough, he saw some fluid in his ears and said that if the fluid isn't gone by the time of the pre-op appointment they are going to do tubes also. Ugh!

I know that his sleep is being VERY interrupted due to all this and that it is important that they do the surgery, but it doesn't make me any happier about it. We are going to wait until the beginning of May to do the surgery so it is after I am staying at home and Shaun's busy time at work is over so he can take off a week to help out. I really wish it worked out to do it sooner to get it over with, but I think it is going to be best for everyone for us to wait.

The advice part- if any of you can give me advice on any of this I would be most grateful. I am looking for any tips on how to best prepare him (he is afraid of any doctor outside of his regular doctor so I don't know how to get him the most prepared). Also, if your kiddo had this done, how bad was the recovery? The doctor said to prepare for a week of recovery. Did you find this to be about right? How did you get them through this week? Anything you wish you would have done?

February 23, 2012

Things to do when "Mommy, Jameson, Laney days" are everyday!

When I have the day off work, I explain this to Jameson as a "Mommy, Jameson, Laney day". In just over two months, these days will be everyday. I am, of course, VERY excited. But, I am also nervous.

Since they will no longer be going to daycare I am concerned about them getting in enough social time. I am wanting to make sure to give my kiddos plenty of opportunities for social interaction. Here are the ideas I have come across so far:

-Gymnastics Plus Open Gym
-ZooFari Trails
-Library storytimes
-MOPS
-Wee Wigglers class and adventures (preschool type classes for Jameson's age)
-Zoo Classes (Jameson has gone to several of these and loved them!)

I have also found a playgroup on Meetup.com but I haven't heard anything back from them yet.

Since we live 30 minutes away from pretty much any activities I am going to have to be careful to create a balance between getting them enough social time, not overloading the kiddos with car trips, and watching the gas budget. It would be awesome if I could find some activities closer to our home but our area is pretty small so it might be a little difficult!

I would love to know if any of you have ever tried any of these activities and what you thought of them! I would also love to hear of any other activities in the Manhattan, Riley, or Randolph areas! I am open to any and everything!

February 18, 2012

Sharing the Wealth: Buying kids clothing

When it comes to shopping, buying clothing for my kids is by far my biggest weakness. I am constantly finding more clothes that they "must" have. I am not sure how much a month I was spending on clothing for them, and I don't really want to know. What makes it so much more ridiculous is that my kids are very blessed with extended family who loves buying them clothing. In reality, Christmas and birthdays make up almost all the clothing they really need, so I only need to supplement, which is NOT what I used to do. So, when Shaun and I decided that we needed to change our financial situation, I knew that this was an area where I would need to make some drastic changes. Now, I think I still have a long way to go in this area, but here is what I have learned so far:

Focus on what they actually need
This is definitely the area where I had to make the biggest changes. I had many reasons for buying them clothes- It was a great deal, it was perfect for that child, it was too stinkin' cute... etc. Notice "my child actually needs this item" didn't make the list? Yeah. That's because that really wasn't a criteria for my clothes shopping. With the exception of my round up prior to the consignment sale, I rarely knew what clothing my children were needing for their current or upcoming season and size. It didn't really matter to me because it didn't effect what I bought for them. Now, I am still guilty of that "this dress is perfect for Delaney" or "Jameson would go nuts over this shirt" purchase every now and then, but now it is a rarity instead of the rule.

To make sure I always know what I actually need for my kids, I keep a constant inventory. For example, right now, I know that Jameson has plenty of 3T (his current size) and Delaney has plenty of 24 month (her current size) in winter clothing. They also both have plenty of t-shirts, so I know that, if they are still in this size come spring time, I will have only minimal shopping to do. I have barred myself from purchasing anything more in their current size for winter. Now, the next size up is a different story. Delaney has a few 2T shirts, and Jameson has a little in 4T play clothes. So, when I find some great clothing deals (more on that later), I can focus my energy and money on the clothing that they actually are needing.

Just like groceries, clothing needs a "buy-at" price
In my post about grocery shopping I talked about having a "buy-at" price for groceries. This is the price that you have determined to be the lowest price you can find a certain item for. When you find the item for this price, you buy as much as you need to hold you over until you think you will be able to get this item at your buy at price again. Clothing is no different, it is just a lot trickier. Because there are so many factors that change the value of an item- the size, the brand, which article of clothing it is (shirt, pants, dress)- it can be really difficult to determine a buy-at price. To remedy this, I have a "buy-at ballpark".

A "buy-at ballpark" basically means that I have a set price that I am willing to pay for things, but that there is more wiggle room when I find an item that I know is hard to find in good condition.  This is going to be set differently for everyone. If you are an expert garage saler, your buy at price is probably a lot lower than mine. If you have older children, your buy at price is going to be much higher than mine. For me, I set mine based on the  Little Britches Consignment Sale. Because these sales happen before the Fall/Winter season and before the Spring/Summer season, I know that, need be, I can pretty much buy their entire wardrobe from the sale. But, I would like to have a chunk done before the sale. After experiencing a few Little Britches sales, I have learned what prices I can reasonable expect to be able to get enough clothing for my kids for that size/season. Because I know this, I can restrict myself to only buying clothing when I find them at these prices. I know that my "buy-at ballpark" baseline price is $2 per item. However, I am willing to spend about $4 for a nice dress for Delaney or $3-4 for nice clothes for Jameson since these are items that either go for more at Little Britches or are hard to come by (Little boys are HARD on their clothing so it often isn't any good for resale). I am also more willing to spend a little more for brand name clothing, but more on that later...

Buy used
This is probably the most obvious way to save money on kids clothing, but it is certainly the one that makes the most significant difference, so it definitely deserves mentioning. But I am not just talking about garage sales! Here are some other excellent ways to score some used kids clothing for cheap (or free!)

-Consignment sales (Manhattan's is the Little Britches Consignment sale). It is kind of like a mass garage sale for only kids clothing
-Thrift stores
-Ebay
-Craigslist
-Hand me downs/swaps (get a group of friends together who have kids of similar age and do a swap. I have never done this personally but have heard about it).

Buy ahead
Once you have a buy-at ballpark in mind you can effectively buy ahead. Buying ahead is buying clothing at the end of a season on the clearance racks to put back for the next season. For example, in the next few weeks, stores are going to start bringing in their spring merchandise which means that the winter stuff has to go. They will mark these items down to lower prices to get rid of them. By stocking up what you need for the next year you can avoid paying full price. I used to shy away from this because I didn't know what size my kids would be wearing. Now that they are in their sizes for much longer than when they were infants it is easier, but it can work with infants too! Sure, it might not be a good idea to stock up on sweaters and Christmas shirts for the next size up when you're not sure what size they will be in next December, but you can still stock up on items that transition well from one season to the next- lighter weight long sleeve shirts, jeans, light jackets, etc.

Put yourself on the selling side
There is most certainly nothing wrong with giving your clothes away to a thrift shop or a friend. In fact, I encourage it. However, another option to consider is reselling. When you resell your clothing you still get to help someone out by giving them the opportunity to buy clothing for their children at a fraction of retail while recouping some of what you paid for the clothing. And even though we are planning on more little ones in our future, I still sell the majority of their clothing. We simply don't have the space to store entire wardrobes when it is unlikely that our next child will be requiring the same season at the same size.

I have resold at garage sales and on Craigslist and, my most successful route, selling at Little Britches. A few tips to successful reselling:

-Before I mentioned that I prefer to buy brand name when possible. Overall, brand name clothing is more expensive because they have a certain name in the tag. However, part of the reason is also in the quality. Very often, though not always, brand name clothing is better quality. This translates to a better resale value not only because other moms want that name on the tag, but also because these are the clothes that can make it through several children before they start to show their wear. When you put the effort into buying brand name clothing at minimal cost, you are giving yourself an inventory to sell from that will be the most marketable and profitable.
-Take good care of your kids clothing. Kids are often DESTRUCTION on clothing. Taking the extra time now to care for clothing properly will help in the long run. Check clothing when your kiddo gets undressed and promptly treat stains. Also, attempt to wash clothing a minimal amount. No, not in a gross way. But when you find clothing on the floor, do the good old smell check to try and determine if it was actually worn. If it passes the test, don't just wash it anyway. Not only will it save the laundry detergent and water, it will prevent early wear.
-There are few things cuter than trendy clothes on a little one, but try to keep these outfits to a minimum. When buying their wardrobe, focus on buying more classic pieces like jeans and basic tees. When you buy super trendy clothing it is likely that you will have a more difficult time finding somebody interested in these items once they are no longer the current trend.

Plan for the occasional splurge
No matter how good of a shopper you are, there are going to be those items that you just can't buy for very cheap. For us, that is Easter attire for the kiddos. I put a lot of thought and time into selecting their Easter outfits, so I don't like buying them ahead. I want their outfits to be the right size and coordinate with each other so that pictures don't clash (no, I don't go matchy matchy, I just make sure that they don't look bad together). As much as I have tried, I am just not okay with settling for whatever I can find. So, I plan for this expense, and I plan carefully.

This year, for example, is going to be pretty easy. My work did a health promo last year that earned me a $100 card that is good towards certain stores including Children's Place, Old Navy, Gap, etc. I know that, between these stores, I can put together excellent outfits for them. No, I will NOT be spending the entire $100 on two outfits- that would make me cry.

Because I would like to have a good chunk of that $100 left over, I am also exercising some good shopping practices. I am waiting until I find that perfect outfit for both of them- I am letting myself be picky so that I am not tempted to get a different outfit when one I like better comes along. I am also being picky about the price. I have several outfits for each that I have my eye on. Because I am wanting to wait for a good sale, I know that it is possible that one of my favorites will sell out before I snatch it up. This is something I am totally okay with because I know that I haven't set myself on that being the outfit.

I am also going to try to make the purchase go as far as possible. I already know that their Easter outfits will likely only be worn once, possible twice. Even though we attend church regularly, I don't typically get them dressed up that much because our church is very casual. However, I can make efforts toward making parts of their outfits go further. Take their outfits last year:

Dang they were so little!!!!!

If I remember right, I spend a total of about $60 on their outfits- an amount that makes me want to throw things. But, I was able to stretch parts of this. For example, though Delaney only wore that adorable dress one or two more times after this, she got several more wears out of the sweater before it was out grown. And I actually didn't buy Jameson's pants for the occasion. He already had the khakis in his closet so I just bought the vest and shirt to match. I also don't think he wore that vest again, but he did get a few more wears out of the shirt.


That is pretty much my ridiculously long-winded explanation of my money saving techniques for kids clothing, but, as I said, I still have a lot to learn. I would love to hear any tips you guys have for saving money on kids clothing... PLEASE!!!!!!