Forced Frugality and Online Learning

Does your wallet look like this? So many of us are getting this way with the economy the way it is going. We have been hit too. With me being a WAHGM and my husband’s job cutting overtime first and now cutting actual hours things look glim. At least with hours cut we still have insurance, more than some people have, so I am thankful.

For many of us frugality was a choice. We could do some here or there and get by. We cut where we wanted to and where chose to cut. Now many are forced to cut everywhere.

For us, my husband is a big one for wanting to eat out. We cut in places and kept him happy eating out once a week. Now, that is impossible.

I am not trying to make some special meals on little money, and checking blogs for how others do it! If you have suggestions leave them in the comments please!

One thing I want to keep is my internet. I find that you not only can keep contact with family and friends you can save a lot of money with do it yourself tutorials and learning.

Need to fix your sink leak? Look online. How about get some online learning to keep your mind fresh or to help job hunting?  MIT,  as well as many other colleges offer them free online. There are tutorials for free for all kinds of things from sewing to fixing your car. Not that I would try all of them, but they are there!

Besides a google search, you can go to sites like:

Lifehacker, Thrifty fun, tipnut, ehow and other places.

DIY helps with house projects.

These are only the tip of the iceberg on places to help save money. For some a necessity and others a desire.  Another place to check out is Life as a Mom. On Fridays many bloggers get together and give their frugal ways out to all bloggy world. Check it out!

Loss of Income Help!

I need help. Since this is Frugal Friday I thought I would ask for ideas here.

It appears that our income may be cut by a third or more in the next few weeks, by the beginning of July anyway. Right now we are struggling, and this will make things even tighter.

I am not a person to spend wildly and have always tried to be fairly frugal and wise in our spending, however, this will be pushing it to the limit for awhile.

Have any of you had this happen? What were the first things you did to make ends meet on what you were getting?

I get all the frugal blogs, websites and newsletters I can find and have been working on what I can long before this happened, so I am feeling like I am going to need to cut in some unfamiliar ways and want to see what others who have faced this have done.

How have any of you learned what is your place in the WAHM area? I am sure I can do something, yet feel very uncreative right now. I assume it is the stress we have been under for some time, since I am normally a creative person.

SO… help me out dear bloggers! Those that work from home in any way, what do you do and how did you figure out to do it?

For frugal ideas, and I will check them all! go to Biblical Womanhood!

Make a Few Bucks

I am trying something new and I would like to invite you to try it too.

Most of us use Paypal for some online transaction or to get money to someone. Recently I have been hearing about something called Revolution Money Exchange. I does not cost to use, money transfers can be made between members and sent back to your account.

This is what the company has to say:

MoneyExchange is the new way to send and receive money online between MoneyExchange accountholders. It’s a great way to exchange money with friends, colleagues, or online sellers. Share restaurant, travel, or household expenses. It’s easy, secure and, best of all, it’s FREE to register and FREE to send and receive money between MoneyExchange accountholders.

Secure transfers.
With so many leading-edge security features built right in, security comes second nature to MoneyExchange. A PIN is required when you send money from your MoneyExchange account and transfers are processed safely and securely.

Your wallet will thank you.
Best of all – it’s FREE

  • FREE to register for an account
  • FREE to add money to your bank account
  • FREE to send money
  • FREE to receive money
  • FREE to request money
  • FREE to transfer money to your bank account
  • If you would like to try it out, email me (peggie dot loden at gmail dot com) and I will send you an invite. You will get $25 in your account for signing up through me and I will get $10 in mine, so we both win and that works for me!

    Do not use credit cards!

    Today is Frugal Friday at Biblical womanhood and I wanted to share something with you. When you get done reading here, click on the link and go to Biblical Womanhood for more ideas.

    Many years ago I made a mistake that I realize now many are making. In an effort to be frugal I would see things on sale and buy them using the credit card. I was “saving so much money”, or so I thought, that it was worth it to get it even though I did not have the cash.

    What happened next was the bills came in. I was new to credit cards and did not realize how much that purchase was costing me. Way more than full price till it was paid off! Cards that allow you to transfer funds at 0% interest often charge a lot for spending that is not transferred. They then take the payments off the 0% interest first and you are stuck paying interest for that sale item until you get the rest of the balance off of there.

    Do not use cards to save money! Not unless you pay them off as soon as the bill comes in, then it may work. I say may, because many cards are now doing 2-cycle interest, in which the interest is carried over for two payments and there is no grace period.

    Frugal ladies, keep the card in your purse and use cash, or you are not being so frugal.