- Allocate 10% of your monthly income to a separate fun money fund. Use this for little treats or spontaneous buys without guilt.
- Forgotten Subscriptions: Go through your bank and credit card statements to identify any subscriptions you might have forgotten about. Then go through your phone to find any reoccurring app charges you may have forgotten about.
- Necessary vs. Unnecessary: Ask yourself if each subscription is something you truly need and use regularly.
- Cancel any subscriptions that you don't use or need. This could save you a significant amount each month.
- Aim to save a certain percentage of your income each month. Even a small amount adds up over time.
- Set up a separate savings account and automate a monthly transfer to build your emergency fund gradually. We took this a step further and have different saving accounts for different categories: emergency, repairs, and kids education.
- Household cleaners, groceries, and personal care items are often areas where you can find cheaper options without sacrificing quality. In a real pinch, vinegar can make an excellent all purpose cleaner, and tallow soap can wash most things.
- Experiment with lower-cost alternatives for a month and see how they compare. You might be surprised at the savings!
- Clothing, toys, farm equipment, or household items that are in good condition but no longer used. Extra garden produce, seedlings, or equipment are also seasonal items that can help fill budget gaps.
- Hold a garage sale or list items on online marketplaces like Facebook Marketplace or eBay.
- Compare quotes from different providers to see if you can get the same coverage for less.
- Reach out to multiple insurance companies and request quotes to ensure you're getting the best deal.
- Lower insurance costs, no monthly payments, and less depreciation. One thing to keep in mind is to have money set aside, more than with a new vehicle, as things will break down or wear out with older vehicles.
- Assess the market value of your current vehicle and explore older, reliable models that fit your needs. Be sure the older model is mechanically sound.
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- Ningxia Red: A tasty juice puree, packed full of nutrients. I can mix this into a hot tea in the cool days or add some club soda for a fizzy drink in the warm weather. I order 4 bottles every month.
- Thieves household cleaner: I use this for everything! Counters, floors, mirrors, stain buster, de-grimmer, laundry booster, and I’m sure more I’m forgetting. I buy the big bottle about 1 once per year.
- Shampoo and Conditioner: I prefer the Copaiba Vanilla shampoo and conditioneror Lavender Mint Shampoo and conditionerfor me. And the KidScents Shampoo for the kids. I buy 1 bottle a year. The stuff lasts forever.
- Body Wash: For me I like to use the Bath & Shower Gel Base, then I can change the scent up using the oils I have. I buy 1 bottle every year and mix it into a foam pump bottle.
- Laundry soap: I split this bottle into 4 and buy one every 6 months or so.
- Hand soap: I prefer the thieves soap and buy the refill bottle every 6 months or so.
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This post may contain affiliate links, which means that I may receive a commission if you make a purchase using these links, with NO additional cost to you.
One of the hard steps in the road to self- sufficiency, is learning to live with less. At least for a while. Less luxuries, less fluff, less stuff. As you move towards being more self-sufficient, things you own need more purpose and use.
Many times, people downsize their home, or move to an acreage. This creates the opportunity to sell excess furniture, clothes, appliances. Selling excess give you the advantage of a little more cash to invest in your new property (animals, garden, orchard, etc.).
This also applies to monthly budget and consumable purchases. Learning to stretch products or make something better and cheaper than you can buy is a good skill to learn. A freezer is well worth the investment as it allows you to buy food in bulk and store it. Learning to can, allows you to preserve your food all year, greatly reducing the winter grocery budget.
Shopping around is also a good tip for stretching your dollar. Small town local is not always more expensive than the big city or Walmart. Watch for sales and buy then. I can usually get vegetables at the local grocery store (town of <500 people) for close to the same price as Walmart, once I factor in the fuel I would burn getting there (45 miles away).
It is well worth it to shop around for all your products: food and home products. Walmart is not always the cheapest. There are many online markets now that have better or as good of prices and ship to you.
Auctions and secondhand stores are also excellent places to find great deals. Items don’t have new. You can find gently used items with a lot of life left for a fraction of the prices. Cast Iron skillets are something I would prefer to buy second hand. They are already well seasoned. Just last year I bought two 8 inch that were in excellent condition for $5 each at a local auction.
Farm equipment and supplies (posts, fence, wood) in general is something that can be found at farm auctions and stored until needed if the price is right. The biggest thing is learning the price new and the value to determine if a purchase is a good deal or not.
Wanting a community to lean into? Join the FREE Courageous + Purposeful Mommas group! This community is for the Mommas, mommas to be, in the midst of raising, and kids grown, looking for tips on building your family up and providing for them through natural methods. Tips include: gardening, bulk buying, caning,/preserving, livestock, homesteading, and home remedies. Your family is precious, and this group is to help you gain the knowledge and tools to keep your family well and not reliant on outside professionals. Remedies and tips are easy and simple for the busy momma, time is precious after all, including pregnancy, birth, young kids, and illness. Trust your Momma gut again! This community offers the resources + community you need to help get started on your journey and prepare for whatever future you envision.
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