A couple weeks ago I was asked to give a lesson in a special Sunday meeting for the men and women at our church. The topic was mastering our money. I thought I would share with you a bit of the lesson and the questions we discussed in this meeting. Hopefully this will spark some…

Great Bargains this Christmas This year’s Christmas gifts were a bargain and I’m excited to share my successes with you. Last year a friend was moving and gave me a lot of her fabric stash. (Thank you, Dianna!) I made plaid flannel pajama pants for the three boys. Total cost for all three pajama pants: $1…

Turkey meat is a great bargain this time of year. Grocery stores use it as a loss leader to entice you to do all your holiday shopping at their store. With coupons and other special offers, you can get some really amazing deals on turkey this season. Your goal is to buy at least one…

There’s an epidemic sweeping the country. It’s not your typical virus, but rather a highly contagious disease of epidemic over-consumption.  The symptoms include compulsive shopping, high debt, overwork, inability to delay gratification, a sense of entitlement, obsession with externals and “having it all,” wastefulness, and stress. Concern over affluenza is more than dismay at the…

Start now to organize your financial records so that they can be easily referred to when tax time comes. If you’ve worked on this goal in past years, this won’t take but an hour or two to complete. Start with financial records Tax time is just around the corner, so don’t delay compiling records of…

 Wait!  What??? Doesn’t everyone have a stash of food in their basement? I talk about having food storage all the time like it’s something that all normal people do.  I have to remind myself that the idea of having a food supply is alien to many and sounds very doomsday-zombie-apocalypse-ish. Why else would anyone have…

Garden veggies in April? How would you like to be eating fresh vegetables a full 4-6 weeks before the rest of your fellow gardeners? You can with cold frames. What’s a cold frame? Basically, it’s a mini greenhouse that helps warm the soil and protect plants during the cold transitioning months of early spring and late…

If you are buying turkey and onions, you’ve probably tossed lots of those plastic net bags that surround the turkey or hold onions. Don’t throw them away! They have lots of good uses The larger bags, like the ones covering your turkey, are good for storing garden produce next fall. Onions and garlic, especially, will…

Thrift stores have become all the rage. And what’s not to like? You can get some super amazing bargains and you are helping the environment by using what would otherwise end up in the landfill. I’ve written before (like here and here) about some of the great deals to look for at thrift stores.* This past…

There are two reasons to de-clutter First, your environment  influences your emotional and mental outlook. A cluttered environment can often lead to cluttered thinking or muddled emotions. Start the year with a fresh, clear outlook by getting rid of unwanted, unneeded things. Second: when we turn our thoughts to the care and concern for others,…

It’s not your imagination It really is getting harder to make ends meet. While the average income has gone up 28% over the last 13 yrs, the cost of living has increased almost 31%. But it’s even worse than that: during that same period, the cost of medical care care has gone up 57% and…

I’m in the process of converting my 40′ x 40′ garden into raised beds. The cost of materials to construct the beds and the soil mix make raised beds a bit expensive. So here are the details of how I am keeping the costs down on my raised beds. Keeping the costs down I used…

When my youngest son goes off to college next year, I will lose a great help in the garden. So for the last two years he and I have been working on several gardening projects to make gardening less labor intensive for me. This spring we’ve already completed two big projects: new raised bed and…

After raising three boys, it’s so much fun being able to sew for a girl. In case you’ve forgotten, last Christmas I made my little granddaughter a tablecloth playhouse, using fabric and trimming’s I found at the thrift store and on clearance. This year, my Christmas project for her was a princess dress. I found…

Setting down a budget is the first step to getting a Preparedness Plan in place.   In theory… In theory budgeting is pretty simple: just don’t spend money you don’t have. Easy enough to say. But what exactly does a good budget look like? There are some good guidelines to setting a family budget. The…

We live in a disposable society. Just about everything that comes into our house is easily (and readily) replaced with something better, newer, cheaper or brighter. But our grandparents (who lived through some hard times) were just the opposite–they found a use and reuse for just about everything that came into the house. They were…