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True Tightwad LivingLearn How to Stretch Your Dollar Step Two of Staying a Stay at Home Mom focuses on ways to Stretch Your Dollar. This is where we take the money allotted to us as disposable income and make it go as far as possible. This step and these tips on frugal living, are very important for a stay at home mom. As moms, it is our job to take care of the family finances. We are the ones that need to carefully weigh each financial decision, and we get to see firsthand how those decisions will affect our family. The concept of Tightwad Living, being frugal with our money, does not have to alter the quality of the life we lead. It simply changes how we go about things. If you are here in the Tightwad Living: Stretch Your Dollar section now, it probably means that you have already learned Step One: Reduce Expenses. If not, go back over that section with a fine-tooth comb. I'll wait. Done? Great! Now it's time for the fine print. In order to be an everyday cheapskate, there is a trade for saving all this money. The trade for your money is your time. The tips on frugal coupon living and ways to save on groceries in the Stretch Your Dollar section are time consumers. But, they can also be a lot of fun too, and give us a chance to communicate with grown-ups! And there is a benefit to trading your time for money. Isn't that what most working people do? Most stay at home moms can look at their money saving activities as wages, in a way. Let's think of it this way. If you spent 3 hours doing research on ways to save on groceries, and you went out and saved $60 on your first informed grocery shopping trip, then you just made $20 an hour! Knowledge is power, and it is certainly money! Saving Money with CouponsSince we are already talking ways to save on groceries, let's start by learning on of the best tightwad living skills there is: saving money with coupons. The largest variable expense in most households is food, but it doesn't have to be.Have you ever watched a morning show on TV, and seen a "Coupon Queen" come on, showing how she paid a quarter for two shopping baskets full of food and other consumables? Have you heard that you can get groceries for free? Or that you don't ever have to pay for things like toothpaste and shampoo? Well, its true. You can get $$thousands$$ of dollars worth of free consumable items every year, simply by the effective use of coupons and refunds. There is an entire section on the effective use of coupons and how to stretch your dollar on groceries the most in the Deals and Steals section, but here are a few links to get you started.
Couponing: The Extreme Video CourseIt's here! Finally, here is your opportunity to learn how to coupon like the pros.Over 90-minutes of video instruction available in Couponing: The Extreme Video Course with Rayven Perkins. Learn how to save 20-90% off your food and toiletries bill. Watch your videos instantly, and start shopping tomorrow. Save Money on Food
Coupons and Refunds are not the only ways to save on groceries.There are many resources the average everyday cheapskate family can utilize to save big bucks in this high expense category. Not all of the following tightwad living resources are appropriate to every family, but that's the beauty of being a stay at home mom. Find what works with your family. Each family has its own needs, ability, and desires. Learn from these tips on frugal living and adapt them to suit you. Whether you prefer healthy foods or just a typical American diet, the following tightwad living ideas will help you get more bang for your grocery buck.
Save Money on Baby ExpensesBringing a new baby into the world is a wonderful occurrence that often causes financial stress for an unprepared couple. It doesn't have to be this way! Despite what you may believe, having a baby does not need to be a bank-breaking experience.
There are many tips for frugal living when it comes to new additions to the family. We often purchase too
many unneeded items, and don't know where to find
inexpensive solutions. There are tightwad living ways to get diapers and formula at a discount, which will help you retain your everyday cheapskate status while easing your financial stress.
Save Money on Household Expenses
Now it's time to get down to the nitty-gritty of tightwad living These tips for frugal living will help you stick with your budget, and make it all work. And remember, you can be an everyday cheapskate on any income level! Also remember that tightwad living is not about sacrificing. It's about doing things smarter, and with less expense. So clip a coupon for a $25 gift certificate when you fill a prescription and buy yourself some bubble bath. Take some personal time for you and feel good doing it.
Save Money on Holiday GiftsTrue tightwad living can extend to what we spend on birthday parties, holidays and gifts. Celebrating does not have to cost you an arm and a leg! Follow these tips for frugal living and learn about creative, inexpensive ways to give gifts to everyone on your Christmas list this year. Be an everyday cheapskate when it comes to Christmas presents!
Save Money on Entertainment
Now for some frugal living fun! I firmly believe that you can live the life of an everyday cheapskate without sacrifice, and the following tips for frugal living will show you how. Learn how to save money on vacations, date nights, babysitting, and family entertainment. Like to read? Check out my everyday cheapskate tips for stay at home moms on how to trade books online.
A Final Frugal Living ThoughtAs a stay at home mom trying to survive off of one income, it is very tempting to try to rush things and go straight into Supplementing Income, but hold off.Take the time to go through these first two sections on spending less money before you try to add additional money to your income. Supplemental income is very important in a one- or no-income family, but unless you first figure out how to stretch your dollar, all the extra work you do will be for nothing, as the additional income will just flow through your fingers. Trust me on this.
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