The Reason for the Season

It is Christmas time again, the time for Peace on Earth, Joy, and Love for all Mankind. And Road Rage. And Debt. And fighting over that special item that there is only 1 of in the county and, Danggit, your kid is going to have it!

Why is it that all you have to do is mention Christmas shopping, and all common sense completely disappears? People will spend hours in a mall wearing out a credit card buying expensive gifts for people they barely know, but they will not spare a dollar's worth of change for the bell ringers by the door?

We hear, "Remember the Reason for the Season" and hear Christmas carols praising God and announcing the Birth of Christ, and we might even sing along with them, but the words are just words to us. We are too caught up in the search for the perfect gift or some other such garbage. Do we really think Jesus cares whether or not your Mother-in-Law gets a cashmere sweater for His birthday?

Most of the time, the thing most people would prefer to get would be the money you spent on the gift they don't want or need. All of us, and I do mean every single person, have more crap laying around the house than we care to admit. And I would be willing to guess that if you opened up that back closet that you only use for storage, you would find several items that were given to you at Christmas. We spend hundreds of dollars every year swapping crap.

Instead of buying hundreds of dollars worth of future yard sale fodder in Jesus's Name, why not take the money you would have spent and donate it to cancer research? Instead of buying 2 games for your child's new gaming system, only buy 1 and give the other $50 to a community charity. Or buy $50 worth of food for the food bank. Or buy blankets for the homeless shelter.

Or...spend the time you would have spent Christmas shopping and volunteer!

If we are truly celebrating the Birth of Christ and all He teaches us, do what he wants us to do! Give to those less fortunate. Help those in need. Give joyfully of ourselves. Spend time with friends and family. Celebrate God's love for us and be joyful!

It isn't about who gets the biggest present or who spends the most money. And it most certainly isn't about the corporate profits.

Christmas is about loving and giving. Joyfully and without hesitation.

Fall is "Falling"?

Now that the Labor Day holiday is behind us, it is time to start thinking about Fall chores around the house. Winterizing the windows, changing the curtains, maybe add more insulation in the attic, weather stripping, the list seems endless. I need to wash and dry the heavier bedding, get the furnace cleaned out, we need to replace one of the ceiling fans, change out a light fixture in the girl's closet, paint 2 rooms, and on and on.

This Summer was just so hot and dry that we didn't do as much outside work as I would have liked. We did finally get a new roof put on, so at least we don't have to worry about that this year. We also got the siding replaced in a spot that was rotting from rain splash, but we haven't gotten it painted yet.

I still need to get a fall crop planted, but that will mean that I need to finish cleaning out the garden of the dead or dying peas, carrots and okra. All of the squash plants are gone already (they did so poorly from the heat I ripped them out over a month ago) so those beds are empty already. I am thinking about putting greens, either mustard or turnip, there. I need to plant some more Green Peas since we like them so well. Maybe some lettuce and radishes in the main garden since they grow so fast.

But today it is raining, so no outside work will get done. I will probably just do some laundry and maybe bake some bread. I haven't done that in a while so it is time. I need to make some more soap too. I am down to 3 bars.

I have a couple of beef roasts in the freezer so I am thinking I will dig out the crock pot and start some dinner as well.

It will be one of those lazy, catch-up days where it will all get done, just not very quickly.

And I will start thinking about what I want to have ready for the holidays and for next Spring.

So much to do, but...not today.

The cost of eating

Last night, my husband and I had to make a trip to the grocery store for a few necessities, like milk, tea, lunch meat, etc. and I was just appalled at how much prices have gone up in the last few weeks.

The sale price for chicken breasts was $1.99 a pound! On Sale! That is simply insane. Generic canned corn was 79 cents a can. When did that happen? Granted, I do not buy a lot of canned vegetables since I put up most of ours, but the last time I looked they were around 50 cents a can. Some times, if the store is having a case sale, you can get them 3 for a dollar. But almost 80 cents a can is insane. For generic. I didn't even look at the name brand. I was afraid to.

All of this is convincing me more and more that I am not putting up enough food. We need to be able to eat out of jars or the freezer and not have to make bi-weekly trips to the local grocery store. I have canned some chicken and beef, but I am thinking I need to do more. I need to find a couple of bags of chicken legs and thighs for 59 cents a pound (sometimes I can still find them for that) and can them up. 10 pounds bags will make around 8 or 9 pints of meat and 7 or 8 quarts of broth. So for $5.90, that is a minimum of 8 or 9 meals, but really closer to 12 since I don't always use a whole jar of meat per meal for the 3 of us. And the broth is quite useful for a lot of things too, not just soups.

I have canned a lot of fruit this year. Mostly peaches and plums but I have done a few blueberries and some cherries. I think I have enough beans to last the year, but you never really know. I didn't put up enough corn this year but that is one of those things that sometimes we eat a lot, sometimes we don't. I don't know, I guess we will be OK.

I plan to start curing some more Canadian bacon today. My son really likes that for sandwiches in his lunch bag. And it freezes well so I might as well. And the pork loin was on sale for less than $2 a pound, which is quite a bit cheaper than over-processed lunch meat.

I really don't know how people on fixed incomes or low incomes with families can afford to eat. I realize the over-processed convenience foods are cheaper, but you don't actually get much food value out of those.

There has to be a balance somewhere in all of this.

Saving Money

Everyone knows that saving money is a good thing. And everyone has little tricks they use on themselves to save the most. But not every tip will work for every family.

Take, for instance, the fact that I save money by cooking at home instead of eating out. That works very well for us because I have the time to cook and really enjoy it. Some friends of ours do not have that luxury. She works an hour and 15 minutes from home and doesn't get home in time to cook a nice meal every night and still be able to get the kids in bed at a decent time. And she doesn't really like to cook that much. But they both have good jobs and make good money, so eating out for them is an option.

For us, as a family, we really don't need that much stuff. We spend more on groceries than anything else. None of us are clothes hounds, we don't compulsively buy new "toys", we don't go out to the movies or dinner very often, and we don't just go shopping just to be shopping. When we do buy things, it is generally used DVDs. We watch a lot of movies at home. We won't buy them new. Why spend $20 on a movie that will be less than half that in a couple of months? We have a lot of movies, some of them really good, some really really bad, but most are just on the good side of average. Which is fine. There isn't really anything being filmed that is better than average anyway. And by paying $6.99 for a DVD instead of $7 each for movie tickets ($28 for the 4 of us) plus concessions, we are saving a ton of cash. And if one of us needs to take a break, we can just pause it. Much better than going to the theater.

I have seen lists of money saving tips all over the internet, and for the most part, it is good sound advice. And we do a lot of the things that make sense for us. But not everyone can grow their own food or make their own clothes. Or cut their own hair. Or bicycle to work. It just isn't possible for most of us.

The key is to be comfortable with it. Going from living large to being a tightwad over night is impossible. You will only make yourself crazy. Anyone who has lost their job will tell you that it is no fun living on pork and beans and mac and cheese. Work up to your savings goals. When you get comfortable with one change, then add another. Don't just stop spending cold turkey. You have to retrain your self to a new lifestyle. So work up to it. Slow and steady will work much better for long term change. If you feel yourself getting depressed or feeling deprived, have a treat. Just remember that it is a treat, and that you can't to do it all of the time.

So when you decide to start getting serious about saving money, study the tips. Make a list of your own. But keep in mind that if it isn't something that you can actually do, and will do consistantly, forcing yourself to do it will only make you feel guilty when you don't. Saving money should make you feel good, not deprived. I have found that having a goal in mind when you start trying to save money really helps. Something like, "I want to pay off this bill by the end of the year. How much do I have to save to be able to do that?" If you drink coffee shop coffee everyday, you can save 3 or 4 dollars a day my making coffee at home instead. That is around $80 a month you can add to your bill payment every month. Or if you go out every weekend and spend $30 at the bar, go every other weekend and save $60 a month. If you have a big dry cleaning bill, try to find clothes that don't need to be dry cleaned, or if you have to wear suits to work, try to wear them more than once as long as they pass the sniff test.

There are a million ways to not spend money, the secret is to find what works for you. Set a goal, add new tips slowly into your lifestyle, and if you start to feel deprived, splurge a little.

Spending too much

We have been spending too much money lately. Between all of the things the kids have to have for school, like club, band, and orchestra t-shirts, year books, school pictures, poster board, art supplies, etc. and the stuff they just need, like clothes, a new amp, cords, getting the guitar fixed, books, the list goes on, we have spent a lot of cash this month. We have also taken a couple of necessary weekend trips that cost us a couple of hundred each. None of that was really budgeted because I wasn't really thinking about it at the time so it sort of snuck up on us. And a work related cookout we had to buy extra groceries for.

Then there was the $800 payment to the doctor's office. And the personal property taxes. And the vehicle insurance. A boy scout canoe trip. Food at the ball game my son has every Thursday night. Tags are due in October for the car. Christmas is coming up. All of the fun things that are darned near impossible to budget.

It sometimes seems impossible to save any money. We actually have done pretty well in the last year, savings wise. It is just that we could do more. For a couple of months early in the year, we conserved every penny we could find.

And slowly over the course of the year, we have started slipping back into our old habits. Buying things we don't really need, eating out too much, getting things on the spur of the moment instead of thinking them out. That sort of thing.

We must get back to doing the basics again. Only the necessities. Making things instead of buying them. And deciding priorities.

Granted, some things are unavoidable, but if we are careful where we spend, we will have the cash on hand for them when they arise.