Category Archives: Budgeting

Budget Busters-Shoes

You and your spouse have carefully planned how much you can spend on groceries each month. You have switched from buying prepared foods to preparing your own food at home.

You go to the mall to look for a birthday present for your niece. While walking through the mall, you notice a sale at the shoe store. You go in just to look around. Next thing you know, you are leaving the store with three new pairs of shoes! You have busted your budget!!

If you are trying to save money, you should only be buying what you need. How many shoes do you need? Philippians 4:19″And my God shall supply all your need according to His riches in glory by Christ Jesus.”

We live in the country. We do not have sidewalks to walk on. I have an old pair of sneakers for walking down the road when it is muddy or for working in the garden. I have a pair of good sneakers for walking when the road is nice or going to the ballfield in. I have one pair of boots for winter. I have a pair of what we used to call boondockers for when it is cold and slippery. I have a pair of shoes for everyday. I have one pair of dress shoes for special occasions and church. For the summer I have one pair of sandals. Seven pairs of footwear is all you need. I also own two pairs of dress boots but they were gifts.

How many shoes do you have? Many women have fifteen, twenty, thirty pairs of shoes for one season. Many men have multiple pairs of boots for hunting or fishing. Too many shoes mean you are wasting money!

Quality shoes can be quite an investment. A pair of shoes may cost around $200.00. We need shoes, but let us do our shopping. Ask your mate whether he or she thinks you need another pair of shoes. Your spouse is there to balance you, if your mate does not think you need another pair of shoes, you do not need them.

If you and your spouse agree you need shoes, there are great sales. Shop around for exactly the type of shoe you need. Then wait while keeping track of sales, buy the pair of shoes on sale and save up to fifty percent! Budget kept! Having money in the bank is not the ultimate goal in life! But…having money in a savings account is wise. Work out a budget! Agree to keep it! Keep your word to your spouse!! Ask God to help you! Proverbs 28:6 “Better is the poor who walks in his integrity, than one perverse in his ways, though he be rich.”

Budget Busters-Buying Hot Drinks

Buying hot or cold drinks on your morning commute can be a budget buster! Stop and think! Want to learn how to save $570.00 per year by changing one habit?

Let us do the mathematics. You can buy one hundred tea bags for $3.00 on sale. If you use one tea bag per cup of tea, the tea costs you three cents a cup. My daughters will use two tea bags for a large cup of tea so that cup of tea costs about six cents. The water from your tap is a negligible expense. The cost of heating a cup of water is also very little money. A cup of hot tea costs $2.00 at the donut shop on your way to work. Times that amount by fifty weeks a year. Take that number and times it by five days a week. The tea for two hundred fifty cups of tea costs seven dollars and fifty cents per year if you make it at home. The same, daily cup of tea, when made by another person costs $500.00 per year.

Now, let us do the math for coffee. A can of coffee at the grocery store is about $8.00 on sale. At times the price can be even less. You are supposed to use a tablespoon of coffee for a cup of coffee. The mathematics for the coffee is a little more difficult. The can we have reads, 210 six fluid ounce cups. We usually drink eight ounce cups. Multiply 210 by six, the product is 1260 which we divide by eight. The mathematics is not perfect but we want to find an approximate amount of how much it costs us to make a cup of coffee at home. The answer to that division problem is exactly one hundred fifty-seven and a half.

Let us say the approximate answer is one hundred fifty. With one can of coffe, you can make approximately one hundred fifty cups of coffee. The coffee to make one cup of coffee at home costs a little over five cents per cup. If you put half and half in your coffee, it is going to cost a little more. A cup of hot coffee at the donut store is $2.39 per cup. If we times $2.40 by five days a week, the product is twelve dollars per week. Times twelve dollars per week by fifty weeks. For that pampered feeling of having someone else make your coffee every day, it costs you six hundred dollars a year. Two hundred cups of coffee made at home costs you ten dollars a year. With half and half perhaps thirty dollars a year. Do you see why there are so many people out there willing to make you a cup of hot “joe” for your morning commute?

If you get up ten minutes earlier, make your own hot coffe for example, you can save yourself five hundred seventy dollars a year. So how much is that feeling like royalty worth to you? Are you going to keep spending or start saving? It is up to you to stop the budget busting habit of buying coffee on your way to work! James 4:10 “Humble yourselves in the sight of the Lord, and He will lift you up!”

Budget Busters: Snacks!

Do you have a budget? Are you controlling yourself to stay within the confines of your spending plan? How much of your income is expendable?

Most people, like you and I, are trying to save money. Sometimes we are blind to the ways in which we waste money. The temptation to break our budget is often unnoticed, until we go over our receipts at the end of the month.

Most of us go to the grocery store for much of our food. Since we are on a budget, we watch what we are buying. We may buy less snack foods. For instance buying pretzels instead of potato chips is a healthier choice and you are getting more food for the same amount of money. At our grocery store, pretzels sell for between two dollars and two dollars and fifty cents a bag.

Now, we stop at the pharmacy on our way home from work to pick up a prescription. We are hungry, so we buy a bag of healthy pretzels. That same bag of pretzels is four dollars and fifty-nine cents! Buying the bag of pretzels is a budget buster! You have paid more than twice what you would have paid at the grocery store for the same item!

How can we avoid the pitfall mentioned above? One way is to discipline yourself and just say no to buying snacks on the way home from work when you are hungry and tired. Another way to combat the temptation, is to keep healthy snacks in your vehicle, that you bought at the grocery store when you did your weekly grocery shopping. My family keeps containers of dried apples in our vehicles. If the container is kept closed the apples will keep for a long time. Dried apples do not spoil when exposed to freezing temperatures. We dry our own apples in the fall, when apples are inexpensive.

We also keep bags of granola and pretzels in our vehicles, on which to snack. Small jars of peanut butter that you can dip your pretzels into, turn the pretzels into a more balanced snack by incorporating protein.

To stay in control of your finances, check your receipts at the end of the month. To avoid the budget buster of snacks bought on the spur of the moment, keep healthy snacks with you as you travel.

Early Spring Planting

Spring may be coming early this year. Once the soil is thawed, till the soil to get it ready for planting. Compost can be added to the soil at this time and tilled into the soil. Early spring is the time to plant peas, cabbage, onions, broccoli, spinach and kohlrabi. As far back as colonial times, Pennsylvania Germans set a goal of planting their peas by March17.

Spring is not the time to plant lettuce, tomatoes or peppers outside. They can be started indoors to be planted outdoors after the threat of frost has passed.

If you need to magnify the money in your food budget, plant a garden. Many people do not realize how many vegetables can be planted before the threat of frost has passed. Onions are planted now and harvested in July if you haven’t already picked them all by then. Once onions start growing you pick them as soon as you think they are big enough.

Peas need support once they start growing. Many people plant their peas near a fence. The fence could be one used to enclose a garden or a fence erected temporarily just to support the peas while they are growing.

All your cabbage and it’s relatives can be planted as soon as the ground is able to be tilled. If you walk into your garden and mud sticks to your shoes in big clumps then the soil is too wet. Wait a few more days and try again.

My favorite saying is you never know what you can do until you try, so get outside and discover what you can grow.