Today's post is written by Elise Griffith. Elise has two cookbooks to her credit and Every Child is a Genius. If you admire her posts, comment below so she'll want to come back to see us again. Enjoy.
The Gift of Frugal Thinking
In 2007, my household felt the full weight of what’s now
called “The Great Recession”. With what might be considered by some to be a
relatively small amount of consumer debt, we were nevertheless running in the
red every single month. There’d been other times in our life when money was
tight, and in those years I practiced the basic budget-building practices we’ve
all read about time and again. My husband brought leftovers for his work
lunches. There were no purchases of coffee on the way to work. Magazine
subscriptions and book club memberships were cancelled. We switched to bare
bones, bundled cable plan, did away with cell phone plans in favor of
pay-as-you-go cell phones, and shopped for much reduced, bundled car and home
insurance. Dinners out and even pizza delivery or fast food were simply out. It was time to hunker down in order
to get back in the black.
Fast forward seven years, and those debts have been long
paid off. So why am I still frugal? My husband hasn’t had a pay raise in that
entire time, and in fact absorbed a pay cut for awhile as his employee
contribution to our health insurance went up. Speaking of prices going up, the
cost of everything from basic utilities to gasoline and groceries has increased
quite a bit since 2007. We have two sons in college, living at home and working
part time to help cover ever-increasing tuition, my very modest freelance work
dried up, and my husband’s car needed to be replaced after almost 250k miles of
use.
While that might sound depressing, it isn’t. Why? Because I prayed for help. I’ve got to
admit I’m not a “religious” woman, and my answer came in forms I’d never have
expected… in fact had I known then what would transpire, I might have avoided
it. If I had, I’d have missed out on a precious gift; the gift of frugal
thinking. Oh, I still struggle sometimes with longing for the days when I
didn’t have to pinch pennies, but my mind now works a little like a
computerized cash register. That’s not a bad thing at all. I’ve developed new
habits that bring both peace and abundance into our home. Those habits require
my time and effort. I understand not everyone has the same time I do, and am
grateful for that gift as well.
Thursdays are my shopping day. Before I leave the house,
I’ve combed every grocery store sale flier and made a list that involves not
only grocery stores, but the drug store and Dollar Tree. Here’s an example:
Cookie Crock Warehouse-
·
10 lb. bags chicken leg quarters @ $5.90 x 2
·
Boneless pork tri-tip @ $2.97 per lb.
·
16 ounce pkgs. Special Value frozen vegetables @
99 cents each X 6
·
58 ounce Sunny D fruit juice @ $1.19 each X 2
·
Coupon items of BBQ sauce and large tub
margarine
Albertson’s-
·
Blueberries @ 99 cents per 6 ounce pkg. X 2 for
cobbler
·
20 ounce packages Jennie-O 93% lean ground
turkey @ $2.99 each X 2
·
Canned cat food @ 10/$5.00
·
Dry cat food with coupon
·
Price fresh eggs
Rite Aid-
·
Boxed cereal @ lowest price per ounce on sale
·
Canned chili if on unadvertised sale
Dollar Tree-
·
Chicken boullion
·
Steak sauce
·
Flour tortillas
·
Bread
·
Toothpaste
·
2 gallon zip top bags
Spencer’s Fresh Market-
·
Seedless red grapes @ 99 cents per pound
·
Green cabbage @ 3 lbs. for $1.00
·
Limes @ 6 for $1.00
·
Humbolt Organic milk @ $2.99 of ½ gallon carton
·
Eggs (if I didn’t get them at Albertson’s)
The stores are all within a 2 mile radius, and even with a
necessary ladies room stop, it’ll take me about an hour to do all of my
shopping. Staying close to home means I have to fill my car’s tank with
gasoline only every 6-8 weeks. With such low mileage, car insurance is kept to
a minimum. Every 4-6 months I buy white rice, pasta and any vitamin supplements
or over-the-counter medicines in bulk. If I needed potatoes, Cookie Crock has 5
lb. bags on sale for 99 cents this week, but I have plenty of potatoes,
carrots, celery and onions on hand at the moment. Every week our 93 year old
next door neighbor, who still volunteers at the food bank and Farmer’s Market,
drops off two bags of less-than-perfect produce. I cook meals for him and his
wife every week. It’s a great arrangement than benefits us both.
Frugal thinking isn’t only about food, though. On our small
strip of California
coastline, summers are usually cool and foggy. This year we’re in severe
drought and we’ve already had some seriously hot spells. The house isn’t air
conditioned or well insulated. Recently I shopped very carefully online to get
some hot weather clothes for my husband and me. We’re both hard to fit, meaning
thrift stores aren’t usually an option. For $120 (shipped), I bought 6 tank
tops and 2 pairs of cotton sheeting capris for me, 2 pairs of men’s twill shorts,
and a few Hawaiian type shirts for my husband. For another $20 he found himself
a nice pair of leather sandals that fit him. We’re now set for the next few
summers at under $150.
Hobbies and entertainment are also covered by frugal
thinking. He loves to go bird watching, and in our area that’s essentially
free. In fact, he leads groups regularly. I’m an avid reader; I get free books
in exchange for honest reviews. We both like to make beaded jewelry, and with
very careful purchases, we can make boutique-worthy gifts for every woman or
girl in our extended family at a fraction of the cost in any store. Those
baubles also make terrific, affordable wedding gifts for a bride and her
entourage! We love to go antiquing, but almost never buy anything. It’s just
fun to have the time out together.
It’s not always easy. Health problems have brought on almost
constant fatigue and (mostly) low grade pain. There are some days when I’m so
tired or hurting badly enough that I want to cry. Then I’ll pray for an attitude
adjustment, because I know that compared to so many in this country… in this
world… I’m incredibly blessed.
If you’re reading this blog, have small children and work
full time, much of what I do could sound overwhelming. I’m in a different
season of life, and it might not be
for you. Yet, if you’re worried about finances or are stretched too tight for
peace of mind, I’d encourage you to ask for help. Do what you can and be open
to creative ideas that will work for
you and your family. Odds are good you already have habits that benefit the
bottom line, and if so, I hope you’ll share them with other readers of Angie’s
Frugal House. No idea is too simple or too small. AT the ripe old age of 52,
I’m still learning new things every day!
Elise made the necklace our daughter wore on her wedding day. Her gift to the bride.