Provident Living

We mentioned that this year our family is working towards becoming Self Reliant. We have compiled a list of 12 things that you can do to work towards becoming more self reliant.

Each idea also includes thoughts on how we plan on implementing each of these ideas into our own lives. Throughout the year we will be discussing some of these items in more detail.

I would love to hear your thoughts!

Get out of Debt:   Getting out of debt is an important step towards becoming self reliant. You can’t really be self reliant if you have an obligation to someone else. I highly recommend Dave Ramsey as a resource if you are looking to get out of debt.

Our plan: We do not have any credit card debt or automobile loans, but we still have a school loan left from my husband’s MBA. We have increased our payments towards this debt, and if we get some unexpected money we put it towards repayment on the school loan.

Have 3-6 months worth of Living Expenses in Savings:   Have 3-6 months worth of living expenses in your savings will come in handy if there is a job loss in your family.   It is nice to have a safety net so you don’t have to rely on others (or credit cards) to live on a day to day basis.

Our plan:  We plan to continue adding to our savings each month until we reach our goal of having 6 months worth of living expenses.

Food Storage (Stockpile):  Having a couple of months or a years supply of food is a good idea for several reasons.  There are so many unforseen circumstances that can happen that would prevent you from getting to the store, job loss, natural disasters and more.   If you have s stockpile of some basic panty items and things your family eats on a regular basis it will be helpful to sustain your family during those hard times.

Our plan:  We are working toward having a years supply of food for our family.  We have been gradually stocking up on wheat, flour, sugar, oil and other basic items that we can use to make almost anything we need from scratch.

Learn New Skills:  Becoming self reliant involves learning new skills you didn’t previously know how to do.  It could be learning to sew, cook, grow a garden or even change the oil in your car.    The more you know, the less you have to rely on others to help you.

Our plan:  I don’t know how to sew – at all!   So, I plan on tackling that this year.   It would be nice to know how to hem my boys church pants so I don’t have to use Glue Dots.  (Yep, I actually use Glue Dots!  Glue Dots and a little heat with the iron and the hem stay in place for …well, not very long).   We want our kids to know how to cook when they leave the home, so we will be assigning each child a night to do the cooking.    They will plan and cook the meal from start to finish.   I see some interesting dinners in our future!   We have lots of areas where we can learn some new skills, so these are just a few we plan on working on over the next year.

Plant a Garden:  Planting a garden is a great way to become more self reliant.   There is something special about putting seeds in the ground and growing food for your family.   Having a garden means less trips to the grocery store for produce.  Plus, it’s so much for fulfilling when you grow your own.

Our plan:  We haven’t had too much success with our garden the last 2 years.   We had animals get in and eat it the first year, and the second year we just started too late and had too much rain.    We plan on tackling the garden again this year.    We need to build a gate to keep the critters out and hopefully we will have greater success this year.   We will keep you updated on our progress.

Bake from Scratch:  Baking from scratch is not only a great way to be self reliant, but it’s also so much more healthy than boxed convenient foods.     When you have the basics on hand, baking from scratch is an easy thing to do and you don’t need to run to the store for any ingredients.

Our plan:   We plan on baking a lot more bread from scratch, instead of running to the store to buy it.   We even have plans to make your own pasta, hamburger buns and more.    This is one of the items I am most looking forward too, it should be fun!

Can your Foods:   Canning food is a great way to extend the life of your garden.   Canning items when they are in season is also an inexpensive way to have fruits and veggies all year long.    You can even can meats and poultry.

Our plan:  I have limited canning experience, but I am looking forward to learning more.   Every summer I make jam, I have made pickles (thanks to my wonderful grandmother), and I have also canned chicken.   I hope to can several items this items this summer, like fruits, green beans and more.

Keep Chickens:   If you have the space, keeping chickens is a great way to get fresh eggs.   I have been told once you have fresh eggs you will never want to go back to store bought eggs again.

Our plan:  My husbands plan is to convince me to get chickens.    I have a slight fear of anything with wings, weird, huh?   I think we will probably end up with chickens sometime this year.   I am thinking he can help me get over my fear by building me a super cute chicken coop.

Have a Reference Library:  In this electronic age, we can find all the information we want via the internet on our laptops, phones and even eReaders.   However, if the power goes out and we have no way to charge these electronic devices we are left without the necessary information we may need.   Having a reference library of “real” books will make for a great resource on a day to day basis whether we have power or not.  You can expand your reference library with books on cooking, gardening, home repairs and more.

Our plan:  I love how you can download any book you want instantly onto an eReader, so we don’t really own too many real books anymore.    We do need to invest in a book that would help us with some basics on home repairs.   I am kind of a cookbook junkie and I have a couple books on gardening, so I am set there.

Invest in Reusable Items:  When you invest in reusable items, you aren’t having to always run to the store for replacements.   Not only that, but you are saving our natural resources as well.   Reusable items may be more expensive in the beginning, but usually in the long run they are much cheaper.   Reusable items could replace everyday items like diapers, paper towels, water bottles and so much more.

Our plan: My current plan is to get some reusable napkins so we no longer have to use paper napkins.   I am sure there are lots of other areas were we can replace some of our everyday items with reusable ones.   Thank goodness we are out of the diaper stage.

Install a Wood Stove:  Installing a wood stove is a great way to ensure you will have heat in your home if the power goes out, it can even make for a cooking source.    You can also use a wood stove to heat your home on a regular basis, so you aren’t relying on the power company for your heat.    This not only will help you to be more self reliant, but it will also help you to save money too!

Our plan:  We would love to add a woodstove to our home, we don’t currently have an area where one would fit, so this one will require some extra thinking.   OK, maybe I should re-phrase that, my husband would LOVE to add one to our home.  I am still thinking they are big and ugly and take up a lots of room.

Use Rain Barrels:  By using rain barrels you can cut down on water consumption by using them for watering  your garden, lawn and more.

Our plan:  We have one rain barrel, but we would like to increase that.   We would love to use the water from the rain barrels to take care of all of our watering we do during the summer months.  The cost of water goes up so high here in the Summer.    The rain barrel we have now only hold enough to water our planters during those warm summer months.   Since we live in Washington there is no lack of rain to collect.


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One of my favorite ways to save without coupons is to buy my bread goods at Bakery Outlets.  There is a Oroweat Bakery Outlet across the street from the Kent Target, so I make it a habit to stop their after my Monday Target trip.

Here are the items I was able to pick up at the bakery outlet yesterday.  All of these items were part of the “markdown” section and they all were only $1.00 each.  These aren’t expired items either, several of them have expiration dates of nearly a week.

The savings can be even bigger, if your bakery outlet publishes coupons.

The Oroweat store also has a punch card, where I will be rewarded with a free markdown item once my card is full.

Here are a variety of Bakery Outlets, you can see if their is one your area:

Do you frequent Bakery Outlets? I would love to hear your thoughts and which outlet is your favorite.

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Shopping with coupons and traveling to several stores is more time consuming than getting everything at one store.   However, by shopping the sales at several stores you can save more money.   Finding a balance between the two can some times be tricky.   I have found the best way for me to make the most of my time and money is to simply cut out the stores that don’t work for me.   The stores that I have taken off my list are ones that  I come away disappointed from no matter how many times I try to shop there.   The stores you exclude from your shopping list will be different than the ones I exclude, but here are a few things to considering when deciding where you want to spend your time and money when it comes to coupon shopping.

Travel Time: Time is money, the amount of time it takes you to get to a store should be something you factor in when you decide where to shop.  There may be a store that has some great deals, but if it takes you over 30 mins to get there, it may not be worth the extra time and effort.  If you still want to shop a certain store, you don’t have to cut it out all together, you can shop their once a month.

Inventory:  Do you head to the same store week after week only to find there are no products on the shelves?  If you head to a store only to find that the items you want are always gone, it may be time to take the store off your list of destinations for awhile.  This may be hard to do when you see a great sale, but I figure another great sale will come along.   Give it a try for a month!

Friendliness: If you are continually disappointed by service at a certain store, stop shopping there.   On the flip side, If you have a store that you enjoy because the employees are friendly and helpful, it may be worth a little extra time or money to shop there.   It also make a big difference if the store you shop at is coupon friendly.

Ease of the Deals:  There are so many things to consider when it comes to how easy it is to get the deals at certain stores.   For instance, Albertsons only allows you 3 double coupons at a time, Walgreens and Rite Aid require several transactions and trips to the store in order to get the best deals and Target only allows one “like” store coupon per transaction.   You have to consider what works best for you.

Here are the stores that I no longer shop at on a regular basis (and why):

Walgreens & Rite Aid:   I haven’t shopped at a Walgreens or Rite Aid in a couple of years.    Honestly, I don’t even look at the ads anymore!!   The deals here are too time consuming for me, because they require several transactions and they also require a return trip to the store.   I would continually let me Register Rewards and +UP Rewards expire , so  I wasn’t saving any money.   Plus, on many occasions they would be out of the items I wanted. I finally just stopped shopping at these stores, and I don’t regret it.   I find I can get many of my drug store items I need for cheap on my weekly trips to Target.

Albertson’s: Yes, believe it or not, I have cut Albertson’s out of my shopping trips.   There are a couple of reasons for this, one of which is that the closest store to me is 20 minutes away (this may sound close to some of you, but I have several other stores within 5 mins of my house).   Alberstson’s deals usually require you to buy 10 of an item before you can get the best price, but I can never find the items in-stock that I am looking for.   They offer the double coupons on occasion which is enticing, but it’s not worth saving an extra $3.00 in 3 separate transactions.

I decided I would give Albertson’s another try when I saw the Wish-Bone and Vlasic coupons in the Sunday paper. I am out of both ranch dressing and pickles, I knew with the coupon round-up they have going on, it was going to make for a great deal. After several months of not shopping at Albertson’s, I was kind of excited to give them a try again.

Here is what I found:

They were all out of the Ranch dressing I was hoping to buy (actually they had one “light” Ranch left, but I needed to buy 10 items total).

Guess what? They were also all out of the Pickles I wanted.

This is one of the major reasons why I stopped shopping at Albertson’s, and now I am even more convinced that I made the right decision for me by taking Albertson’s off my list of stores to shop.   I will say that when I lived in Puyallup, I had great success at the Bonney Lake store, I am not finding the same success with the stores where I live now.

Walmart:  I haven’t given up Walmart completely, but the nearest one with a grocery store is about 20 minutes away from me, so it’s not really close by.   The main reason I choose other stores over Walmart is the lack of customer service I receive while I am there.

I am not trying to bash these stores, many of these stores worked well for me in the past, but at this time they aren’t working for me for a variety of reasons (location, selection, time, etc).   I am sure some of these stores I have listed are several that work well for you!

So, what stores do I frequent:

  • Target
  • Fred Meyer
  • Costco
  • Safeway
  • QFC
  • Trader Joe’s
Have you cut any stores off you shopping list?    I would love to hear what stores do and don’t work for you (I am sure we will see a variety of answers).

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ThreeJars.com is offering a FREE lifetime membership for your kids when you sign up by March 31, 2012.

ThreeJars makes money management fun and easy for 5 to 13 year old kids and parents. Kids learn to manage “money”through saving, spending, and charitable giving jars – with guidance from Mom and Dad.

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Book Review: The Money Saving Mom’s Budget

by Christy on January 4, 2012

Before I share my review of The Money Saving Mom’s Budget, I am going to share with you how I came across Crystal’s website, Money Saving Mom.

It was about 4 years ago when I was reading a friends blog, she shared a link on her blog for a photographer that she used.  I am a fan of great photos, so I started reading her blog for awhile, when one day she mentioned that she was a secret stockpiler.  I was so excited, to find somebody else that shopped like me!!  I have always shopped by combining sale prices and coupons, but I didn’t know of many other people that shopped like me.  I was thrilled to find somebody else that shared my love for a great deal at the grocery store.  In her blog post, she mentioned a blog that she read to find out about all the good deals at the grocery store, which just happened to be Money Saving Mom.  Now, I was even happier, I found 2 people that liked to shop like me and one blogged about it on a daily basis – LOVE!!

So, I started reading Money Saving Mom on a regular basis.  I was so impressed with Crystal’s discipline regarding money.  I had been reading her blog for several months before I clicked on her “about me” tab.  I was amazed to find out that all the money and shopping advice was coming from a young women in her 20′s!!  I was taken aback, Crystal seemed so wise I figured she had to be older (at least older than me!!).  Don’t let her age fool you, she definately has a great handle on how to spend, save money and live frugally.

Here are my thoughts are her soon to be released book The Money Saving Mom’s Budget:

The book starts out by outlining 7 Rules for Financial Success:

  1. Set Big Goals (Break them down into bite-sized pieces)
  2. Streamline your life and cute the clutter
  3. Set up a realistic, workable budget
  4. Take the cash-only challenge
  5. Use coupons
  6. Never pay retail
  7. Choose contentment

As a person that has been frugal most of her life (my parents taught me well), I wasn’t sure there was going to be anything new or earth shattering that I would learn from this book.   However, I found lots of great insights in this book.   I found some new ways I could lower my expenses so I could have even more money each month.   I really enjoyed the chapter about controlling clutter, and I am motivated to get areas of our house in order.   I am sure getting organized will save me my sanity and money!   I think the most important think I took away from the book is to never underestimate the power of setting goals.   It is setting goals that will help you achieve your financial (and other) goals.

My husband and I have some big financial goals this year, and I plan to use several of Crystal’s suggestions in the book to help us implement and achieve our goals.   With the start of the new year, everybody is looking to make changes.   If you need to make changes in your life that revolve around your finances, I would recommend this book to help you get your financial life in order.

Not only is Crystal a frugal minded person, she is also very generous, all the proceeds from her book are going to Compassionate International.  So, head on over and pre-order your copy of The Money Saving Mom’s Budget, it will be released on January 10th 2012.

I received an advanced copy of this book to facilitate my review, no compensation has been given. The thoughts I share, are my own.

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It’s fun to show examples of how I was able to get $130 worth of food for only $13, but this isn’t really a typical shopping trip for me. Do you want to see what one of my typical shopping trips looks like?

Once you have been couponing for awhile you will have a nice stockpile of items, so you will find you need to run to the store less and less. You will have to head to the store for necessities that you can’t always stock up on (milk, eggs and fruit come to mind). When I make these “necessity” trips I try my best to add in some really great “deal” shopping with them, so it reduces the amount of times I need to head to the store during the week.

Here is my most recent trip to Fred Meyer, and it is a good example of what a typical shopping trip would look like for me. This trip includes the following:

Things we are out of: I had to make this trip specifically because we were out of eggs, milk and some fruit and veggies.

Special Deals: I knew I wanted to pick up the Jamba Juice Smoothies for $ .67 and the FREE Corazonas Oatmeal Squares so I added them to my list.

When there are great store deals that pop up, I don’t usually make a special trip for them. I will add them to a store shopping list and a specific store envelope along with the coupons. When I head to a specific store, I will take the envelope along with me, and I will already know what special deals I need to pick up while I am there.

Raincheck items: My trips often include an item that I have a raincheck for. Rainchecks are a great way to ensure you will get to pick up the sale item at a later date if the store is out of stock when you check the first time. I was happy to find the Wisk back in stock at Fred Meyer, so I was able to pick it up for $ .99 each with my Raincheck and coupons.

Just Because items: The Santa Cruz Mango Lemonade was purchased because my family loves it and my daughter noticed that it was on sale 4/$5. My kids are normal kids, and they often ask for things at the store. More times than not, they hear “No, we can’t get that right now, it’s not on sale” or “We can get that cheaper at a different store”. Occasionally it’s nice to buy something “just because”. It’s even nicer when the “just because” items are on sale.   The Mango Lemonade was a “just because” item.

More Expensive Items: It seems weird that somebody that claims to be frugal would pay more for items they can get cheaper somewhere else, doesn’t it? I bought these nectarines at Fred Meyer, which were $1.99 a lb. even though I knew that nectarines were on sale for $1 lb at QFC this week. In the interest of saving time, I chose to purchase the nectarines at Fred Meyer even though they were more expensive than they would have been at QFC.  Remember, time IS money!

Seasonal Items: Right now the seasonal items on my list are school supplies.  I keep my kids school supply list in my purse and when I see a great deal on an item on the list I buy it.  I don’t go to the store and buy all the supplies at one time, I just buy a few here and there when I see  on sale.

Another example of a seasonal item would be sunblock, it’s not something that we need year round, I only need it certain times of the year, and it is not something I generally stock up on. In fact, here in Washington we have barely needed it this summer! I do buy some extra school supplies for later though when they are on a great sale.

I paid $24.95 for this Fred Meyer trip, which really isn’t anything to write home about. It is however, a sensible way for me to save my family some money! Not all of your shopping trips have to be AMAZING! I am pretty sure that most of us couponers have more of these typical shopping trips than we do the amazing ones.

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One of the biggest ways I save money is by buying items ahead of time while they are on sale, usually for 75% off or more.  I do it with groceries, clothing, toys and gifts.  Since, the Target Toy Clearance will be starting soon, it makes for a great opportunity to start a gift closet.   I am sharing some of the benefits I have found by shopping ahead of time for toys and gifts.

Saves Money

One of the biggest reasons to shop ahead of time, is that it can save you money.  I have 4 boys, and ALL of them have been HUGE Lego fans.  If I went out and paid full price (or even a sale price) for a Lego set I would be spending a ton of money on Lego’s.  I have been able to find Lego sets for 75% off, so I am able to spend LESS money on their birthday and Christmas gifts.

An important point to make here, is that just because you bought something on sale, it doesn’t mean you have to buy more. Some people have the mindset that they “have” to spend a certain amount of money on a gift.  If you buy more, you aren’t really saving any money, you are just getting more.  Kids don’t really need more!  I prefer to give them a nice quality gift and stick with that. We actually only give our children one gift for Christmas. Yes, you read that right, just ONE GIFT from Mom and Dad!  They also get a gift delivered from Santa, and a gift from each of their siblings too, so they end up with more than one gift on Christmas morning.

By purchasing items ahead of time, it saves me money that I can use on other important things, like family vacations, groceries, charitable donations, and even super fun stuff like braces for my children.

Saves Time

If you do clearance shopping every time you head to the store, you are bound to find some great deals sooner or later.   When you have a stockpile of gifts at home, you won’t have to run to the store every time your child get’s invited to a birthday party.   It’s quicker and easier to run out to the garage to grab an item than it is to run to the store searching for a gift.

This also is a huge time saver at Christmas time!  With the majority of my Christmas shopping done I can spend more quality time with my family enjoying the things that Christmas is really all about.  I don’t have to spend the majority of the Christmas season running around trying to find the perfect gift.

Allows for Generosity

I have fond memories of going to the mall with my Mom at Christmas time and choosing a name off  ”The Giving Tree”.  Both my sister and I would get to choose the item for the children that we selected.   We did this every year!  I still remember the item I bought when I finally purchased my first Giving Tree item with my very own money – it was a Cabbage Patch doll!

I wanted to do the same thing with my children that my Mom did with me and my sister.   Money was a lot tighter during our first years of marriage, but I still thought it was important to teach our children to be generous.  So, I did same thing that my Mom did with The Giving Tree, only I did it in reverse.  I would purchase items at 75% off and save them in a bin at home.  When Christmas would come around, me and the kids would see what toys we had and then go find a name on the tree that would be a great match for the gifts we had at home.

At the end of the year, I also like to go through the gift closet and anything that I don’t already have plans for can be donated to Toys for Toys or given to a family in need.   Shopping this way has allowed our family to be more generous than we would be able to if we just bought the gifts when they were needed.

Helps Others

My family knows that if they ever need a gift for a birthday, they can come to me.  My sister has 3 kids, both her and her husband have their own businesses, so there is not a lot of time left in her schedule for gift shopping.   She can call me up and let me know what type of party she is going to, and I can usually help her with a gift that I have bought previously.   Plus, it is usually 75% of the cost she would have paid at the store!  If you have the time, money and space to create a gift closet, let it work for others too!  Everyone loves to save a little time and money.

Tips for buying ahead:

  • NEVER go in to debt to purchase gifts ahead of time (or anytime)!   You aren’t saving money if you are incurring interest charges.
  • Make sure the item is worth the money. Just because an item is 75% off, it doesn’t automatically make it a great deal. I always check reviews on Amazon, if something I bought didn’t get great reviews, I return it.
  • Stay away from “themed” merchandise that may only be around for a year or less. I am not talking about classic items, like Star Wars, or Sesame Street.  When you have a gift closet, things may stay there awhile before you have the chance to give them to someone. Find items that will be popular gifts at any time.
  • Buy the classics like Lego’s, Playmobil, or other brands you personally love.
  • Make sure you have the room to store the gifts. I now have a closet in my garage, but I have previously kept the gifts in a Rubbermaid storage tote.
  • Make a list of what you have.  It’s so easy to forget that you already bought a gift for your someone, and you end up buying another.
  • Set a price point for yourself.  For instance if I am buying ahead, I always aim for items that are 75% off.  I will go 50% off for certain Lego’s, but I never pay more than that.  I always know that if I miss out on one thing, another great deal will always come around.

Let’s hear your thoughts on buying ahead of time and having a gift closet.   I’d love to hear if you do the same thing, where you store your items, or let us about your favorite find.

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Want to Save BIG Money on Paper Towels?

by Christy on July 7, 2011


One of the questions I get asked a lot is how to save money on paper products, like paper towels and toilet paper. If you really want to save big money on paper towels, I suggest you stop buying them!  (I however, do not suggest you stop buying toilet paper).    I consider paper towels to be a waste of money, I don’t really think of them as a necessity.

Think about the things you use paper towels for, I am guessing you use them to wipe up spills and clean your windows. You probably already have things in your home that will do these jobs.

Old Towels: I keep around some old kitchen towels for wiping up messes. I have also cut up an old bath towel into several smaller rags.

Washing Windows: The thing that works best for washing windows and glass furniture is newspapers. Trust me on this one! Since most of us are couponers, we probably have lots of newspapers laying around anyway. When you use newspapers to clean, your windows will be streak-free and you won’t find any of the lint that paper towels leave behind.

Napkins: Do you like to use paper towels in place of napkins? I recommend going with cloth napkins. Not only will you be saving money, but you will be saving our natural resources too. You can possibly save even more money by making your own cloth napkins with the instruction found over at Skip to My Lou.

Let’s hear your thoughts.  Do you think you could survive without paper towels?  We haven’t purchased paper towels in over 10 years and we don’t miss them one bit.

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