I’m Judy from NC

I am fortunate enough to stay at home and have found that since I do, it doesn’t affect our money. I do not have car expenses, faster food quick pickup, clothes for work, etc. plus all the gift giving that goes on in a work place. I worked in an after school day care before staying home.

We hope for my husband to be able to retire next year at 62. We enjoy camping. We have 2 sons, dil’s, 3 grandchildren and 2 Chinese pugs. (I could use some health insurance on those pugs!! especially after their once a year shots at the vet this a.m.) Also wonder if any of you have good ideas for health insurance for humans..We will be without any next year after dh retires.

For several months, we have listed all expenditures to get an idea of what we will be able to live on once he is retired. This helps to see where money goes. At present, I am trying to simplify, selling at consignment, selling books on Internet, shopping for groceries at Aldi’s ..Have cut our eating out drastically. I delight in having low cost meals that are nutritious and tasty..(Haven’t always done this)

Eat beans,slaw, and cornbread at least once a week. Have done some freezer cooking but now am leaning toward vegetarian eating so the freezer OAMC is not as helpful in that regard.

Am certainly enjoying reading the helps you have shared..Really liked the idea of the package of washclothes and saving the paper towels..These are the kinds of things that are needed..

I’m very tired

As for being frugal I try to shop for deals at the local health food stores and one other store for food items I can eat. I have 4 different list of prices, but they seem to change weekly and it’s hard to actually keep up. I stopped using my car, I’m trying to walk to more places for exercise reasons (also my car is not working to well)

Umm, not much else I have to say right now, I’m very tired and I just shortened my Egroups lists the other day. I’m still getting over 300 emails a day.

I also watch 3 little munchkins 4-6 days a week. So if anyone has any recipes I can use to feed them more healthy food. I’d greatly appreciate it. I cannot cook chicken, rice due to allergies.

I also use cloth napkins and rags and rarely use paper towels. We use cloth handkerchiefs with the name of the owner embroidered on them, cloth sanitary pads, re-usable food containers, I do Once in a while cooking (freezer meals), cook from scratch whenever possible, practice the pantry principle, “use it up, wear it out,make do, or do without”. We wear our clothing until it either doesn’t fit or is falling apart, same with shoes, etc.

I shop thrift stores (rarely garage sales since they don’t give much for my time), sales, make my own clothing,make most of our gifts. We also eat frugal meals most of the time and occassionally have a feast. The meals we make are ones the family likes- I won’t cook something that they don’t like.

I also buy from outlets , give things to others who also give things to me- nothing formal or expected just a nice way of helping eachother out.

I find that it is the little things that keep me motivated. Plus the little savings here and there can really add up over the long run. I bought a package of washclothes for 2.00, I think there were 20 in the package. I use them to clean the counters, pick up spills etc. Now I don’t have to buy paper towels anymore, saving about 3 to 5 dollars a week and I just throw them in the washer and they are good to go again.