Money Saving Tips

In this economy, who couldn't use a few money saving tips? Here are some things that I have learned.

When I see something that I like in a store, whether that be a decorative piece for my home, favors for a party or a cute onesie, I see how it's made and try to replicate it. For my daughter's first birthday that is in a few weeks, I took this to heart on a tight budget. I made a custom onesie from scrap material and a white shirt she already had, made a matching bib, table runners and felt lady bugs for the table. The total cost was $6.00!

Be accountable. My husband has a firm handle on our purse strings (but not in a tyrannical sort of way!) He tells me ahead of time "This is going to be a tight month. Insurance is due." or something else to that nature. I know to limit my spending during certain times of the year. We also abide by the $100 rule: if we spend more than $100 on any one thing, we consult each other first.

Coupons are your friend. Growing up, I remember my mom scouring through the Sunday paper, scissors in hand. Now I do the same thing with the Value Packs and the various ads that flow through the mail. I also know the routine of coupons that come from some of my favorite stores; almost weekly Babies R Us has a 20%off coupon on any one baby item and Joann Crafts has 40% off coupons at least once a month. I plan my shopping accordingly.

Hand-me-downs are awesome. Okay, so I am a little picky. I'll only use hand-me-downs from close family members and maybe a friend depending on the item. Right now I have three bins of clothes for Elliana to use in the future from three older cousins... some items still have the tags on them! I'm fortunate too; my sister and sister-in-law give me only their best items that are not stained and are in great condition.

Plan ahead. At the end of a season, buy clothes for next year. This is an obvious tip, but last week I bought six shirts, a pair of flip flops, and two bottoms from Gymboree for $30. I also knew I needed a black wool coat for this winter and yesterday I purchased one for $42, normally $250. The Internet store was clearing out their merchandise to prepare for this season's winter clothes.

Eat at home. Even those little trips through the drive thru add up. And if you must eat out, order water with lemon. Those $2.00 sodas make a huge difference (both on your budget and in your waist line)!

So these are a few of my tips for now. I hope they help you as much as they've helped my wallet. In a one income family with no debt, I can tell you that they work!