Living Simple

The one thing that can be the most difficult in today’s world is to not be wrapped up over money.  We are bombarded continuously from all sides on wants over needs and blurring those lines. We are told self is a top priority and that things and money are the path to happiness.  The world lies.  You can not fill emptiness with things, only Christ can fill emptiness. 

I was told today that simple living can not be achieved in today’s world.  I’m here to tell you that it can.  Simple living and being frugal doesn’t mean loosing; it allows you to gain the important things in life.

Collect Change

Keep a change jar on your dresser.  Pennies, nickels, dimes they all add up.  When your jar gets full don’t take them to one of those change machines in the stores because they cost you money to count and sort YOUR money.  Banks still do this for free.  Put the money directly into a savings account.

Live Below Your Means

In short don’t max out your paycheck.  No matter how much or little you make find ways to tighten your belt.  When you get a bonus, overtime pay, tax return whatever it is put it “away” in a savings for later or use it to pay down bills.  Make a monthly budget and intentionally set aside 10% of your regular pay for savings. Of course the first 10% goes to tithing.  Keeping the purpose of purchases for need instead of want.

Save for the big things

There are many things that need to be saved for and even have loans.  That’s life. But knowing this and preparing for it by not wasting your money will help avoid anxiety and arguments.

Second Hand

I love my second hand stores and I’m not ashamed to admit it! The cost savings here is amazing and you can find some amazing treasures.  Clothes, books, furniture the list goes on.

Eat at Home/Pack Lunches

Eating out is expensive and most of the time isn’t really good for you.  Save a trip to a restaurant as a special treat not a go-to.  When you travel, pack picnic meals.

Kick The Starbucks Habit

Any drink at Starbucks can be made at home and without the loads of sugar.  You can gain back alot of money not stopping at Starbucks.

Buy In Season or Bulk

I preach this one all the time.  If you don’t can, then freeze.  Canning however is a skill well worth learning and can save you lots of money.

Cut The Cabel

You don’t need Cabel anymore with services like Netflix and Hulu.  But also if you pull away from filling your time with TV and such you’ll find yourself filling your time being more active instead of watching more TV.

Grow a Garden

Start small and start to enjoy your own fresh produce.

These are just a few ideas to trim your expenses.  Living simple.

Until next time,

Mrs. Kay L Rice

Clean up time!

Have you noticed in today’s world we attempt to surround ourselves with THINGS to TRY to make us happy?  Then all of those things actually add to our frustration and stress level because we have to upkeep, replace, fix or find room to store them… which means more money because we have more things.   We need a bigger house to put more things in it, and then we need more things to put in the bigger house.  Then we become more stressed because the things we thought would make us happy are now stressing us out because we have less money to take care of everything we need to take care of.

So first, I’m going to suggest to you a wonderful program to take, its called Dave Ramsey’s Financial Peace.  Look it up.  It will guide you to debt recovery without loans and how to simplify your life.  What I like best about it is this:  IT’S SIMPLE COMMON SENSE!  Nothing extreme, well it may see extreme to begin with, and lessons my own grandparents handed down to me.  In short, if you don’t have the money, don’t buy it!

But what about if you are starting out?  What if you have that room, basement, closet or garage that has become a nightmare of junk storage?  Well, you actually have an opportunity to benefit from all that junk.  Take a deep breath and take a cleaning day and sort three “piles”:  Keep (this is your smallest pile); Donate and Sell.   Some of your Sell items may move into your donate pile if they don’t sell.  Donations can also be a tax write off in some instances, so keep those donation receipts.  The sell items are your golden ticket.  List these on neighborhood sights, ebay, post them on a church or recreation bulletin board, etc.  Please be careful when doing this.  You can also resort to the old fashioned garage/yard sale.  Use the Money that you gained in all of your sold items and apply it directly to your smallest debt (loan, credit card, medical bill).  Don’t even think about using it for a pizza night!!!  (We will touch on that at another time.)

The result:  Less junk = less stress = more room = less debt.

There is a huge difference between wants and needs in this world, and quite honestly we really don’t “NEED” that much to be happy.

So, here is your homework.  Find a room and get cleaning.  I’d love to hear your stories.

Until Next Time,

Mrs. Kay L. Rice