God wants us to be good stewards of our money. Everything belongs to Him, He blesses us with what we have. He is the one who created us with our strengths and skills to be able to work and make a living. We, as Christians, are called to honor Him with our finances.
"And thou say in thine heart, My power and the might of mine hand hath gotten me this wealth. But thou shalt remember the Lord thy God: For it is He that giveth thee power to get wealth, that He may establish His covenant which He sware unto they fathers, as it is this day."
In our attempt to honor God and be wise with our money, plus build up a little savings account, here are some changes we've done to our spending. This may not work for everyone, but it works for our little family.
10 Ways to Save Money
#1 We cut cable! EEEKKK! Say it isn't so. Yes! We did. There are so many other options for our TV viewing pleasure that are free. For example YouTube has plenty of cartoons and movies, the network websites will sometimes offer free movies/videos to watch and our own collection of movies. That is plenty to keep our TV needs met.
#2 We don't eat out every week. We do most of our eating at home. We make sack lunches to bring with us to work. You can eat out so frequently that it doesn't become a treat any longer. So we decided to save the money and eat at home. We do enjoy a night out that would include eating out at a family restaurant from time to time, but it's rare, maybe once a month.
#3 Meal planning! We set a bi-weekly grocery budget for our family of four. To stay within that budget, we plan out all our meals for those 2 weeks. We write down everything we need on our grocery list and only buy what is written down. We do include a treat or two.
#4 No home - land line - phone. My husband and I both have cell phones so we didn't see the need to continue paying $65 per month for something we didn't really use.
#5 We cut the credit card! That's right, no credit cards. It's just to tempting to buy things that you do not have the money for. If you do not have the cash to pay for it, than you cannot afford it. Let's be real.
#6 We buy used cars instead of new. Both of our vehicles we bought used and paid cash for them. No debt. No monthly payments. **My car is better than his...just saying. LOL
#7 We try to be aware of how much water and electricity we use in an effort to save on our utility bills. For example, turn off lights, try to use natural light as much as possible, don't let the water run while brushing your teeth, turn the heat down a couple of degrees, if you are cold, put a sweater on, if you have a fireplace use it to help offset the amount of energy needed for your heater.
#8 Swap babysitting needs with another family. Instead of paying for a sitter, ask another family who also needs a sitter to swap babysitting duties for nights out. You babysit for them for free and in return they babysit for you on your night out. For free! We all need those nights out with our spouses. Don't neglect them in an effort to save money. You can find free and cheap things to do for a date night out with the spouse. Check out these posts for free and cheap date night ideas HERE and HERE.
#9 We shop at thrift stores. I love a good thrift store find! A lot of our clothes, shoes and decorations for the house come from yard sales and thrift stores. You can find name brands at thrift stores, too. All my jeans I own right now are either Old Navy, Mosimo or Gap and they all came from different thrift stores. All our shoes are name brand like Nike, Sketchers and Reebok. Who knows kids could grow out of their clothes so quickly! Or who here has kids that wear thru their clothes quicker than they grow out of them? Our solution is to buy used at thrift stores. It is a hunt. Sometimes we go and do not find anything we like or we don't find anything that is in good enough condition for us. Other times we are able to find items in really good condition or even better we will find an item brand new still with tags on them.
#10 We try to wait before buying an expensive item. Do not buy on impulse. Go home. Talk about it. Think it over. Really evaluate if you need it. Research for the best deal. You don't want to regret your purchase and feel like you wasted your hard earned money.
#11 Pray! Pray over your finances. Ask God to give you wisdom and guidance in managing your finances in a way that honors Him.
Are there other ways not listed that you and your family do to save money? Let me know in the comments below.
Thank you for being here with me!