How We Save and Spend

My husband and I use to be poor, so poor that we couldn't afford to buy cheese for the first two years of our marriage and had to be really creative when planning a date. I remember a time when I was the only one working, sometimes I'd come home from work sobbing my eyes out because I was only given 20 hours to work that week. Those were hard times, and I honestly think we suffered way more financially then we really had to. There are however more ways to save money now, than ever before. I could talk all day about how to save money and live a better life, but for the sake of putting my thoughts into one entry I'll just list off a few things.

1) Use Coupons! - These things are everywhere (especially for you Americans). You can find coupons in newspapers, order them online and have them mailed to your door, print them out from your computer, call up your favourite company rave about their products and see if they will send you coupons....etc. Coupons are no longer just for food and deodorant, you can get coupons for museums, attractions, oil changes and the list goes on. Using coupons was our first step in saving money, over time it really makes a difference.

2) Getting Cheap Clothing - For our children there are a few different things we do to save money on clothing. We go to thrift stores, kids swap meets (which for us seem to give us more for a lot less than the thrift store) and go to the many garage sales in the summer. If we need something that we weren't able to find second hand or just want to buy a few new items for the kids we go to Gymboree when they are having one of their many sales (their quality is amazing, almost guaranteeing it will be passed down from oldest to youngest), Old Navy and GAP clearance sections and every other store on boxing day. My husband and I don't go through clothes nearly as fast as two toddlers, but we have the same shopping habits when it comes to buying clothes (generally), we just do it less frequently.

3) Saving Money at the Grocery Store - Besides using coupons there are other ways to get a deal at the grocery store. Many times food that is about to expire either that day or the next has a 30-50% off sticker on it. If you have a freezer (which I highly recommend and many times can be obtained free from craigslist) you can throw so many things in it. Milk freezes well, so does cheese, butter, bread.....etc, there is no reason to pay full price for these things all the time. Ask the manager or supervisor when your grocery store does their markdowns so you can be there to catch the good stuff (assuming you're like me and don't have a paying job).

4) Vacations - I love vacations, although who doesn't?! Since we are not rolling in cash we have to be very careful with what we do on our vacations. As it stands now, if we want to go on a vacation every year it means no flying. Plane tickets, airport tax and little things like taxis and buses from spot to spot is just beyond our budget right now, so we do road trips. We save for each vacation starting a year in advance, we may not know where we will be going or for how long, but getting away from it all is incentive enough. All of our coins, well I should be saying my coins since my husband only uses his credit card go in a "vacation" jar, so does the money from bottle returns, any mail in rebates or things we sell on craigslist or at a swap meet. When our kids get a  little older I'd like to take them to Disney Land, I don't know if our financial situation will improve or God forbid get worse so I'm saving now, not in the way of money, but in airmiles. Airmiles is a great rewards program, it's free to join and lately more and more stores are apart of the airmiles program including Toys r Us and Michaels.

I think because I still have so much more to write, I will be doing a "how we save and spend" part two and possibly even part three and four. Nonetheless, these are some of the things we do to save so we are able to spend.