intentional living

How I Stay Home When We Can Hardly Afford It

Burlington Coat Factory online has been a huge help with saving on maternity clothes as well. I also joined local exchanges on Facebook where people post items they are selling for super cheap in my area. Craigslist has been great for bulk toys like Thomas the Tank Engine and building blocks (sanitize, sanitize, sanitize!) as well as big ticket purchases like furniture and outdoor play things for the kids.

the things that are actually cheaper there and that we use in bulk (diapers, wipes, toilet paper, meat). 

Hubby works extra.

This is the hard one (for me). Brian has the option to take on overtime at work- lots of overtime. It’s such a blessing! It’s a difficult thing to do though, for sure. He can work twelve hour days if we need him to. In order to make ends meet and live our lives as usual, he works two twelve hour days a week. When we need to save money (since we don’t live on credit) or have a large purchase coming up, he will work more. For example, right now is crazy. We are building up a large amount of savings and making some big plans for early next year, but we don’t want to put in all the overtime after the baby is born (beginning of November), so Brian is working six twelve-hour days for about two months and we are saving our money now. It’s crazy hard! But God provided a way for us to have the money we need and control our income according to our needs, which helps me stay home. I am so thankful!

I plan out our meals.

This is where all of our money used to go out the window- eating. A few months ago I signed up for Emeals. (I saved money there too by paying for a year ahead rather than more money monthly). Emeals is incredibly helpful! We are on the Paleo family dinner plan, and I just choose 3-4 of the suggested meals each week, then stretch them into the remaining nights by doing leftovers, breakfast for dinner sometimes, or just a snack-around night if Brian is working late. We pretty much never go out to dinner as a family- it’s just too expensive (and too chaotic to enjoy it anyway)! I also avoid the drive-thru on the days we spend out of the house. I cut up fruits and veggies, pack sandwiches, kettle corn and sippies full of water rather than stopping for cheeseburgers if at all possible. If we’ll be out all day long, I bring a cooler with ice and keep it in the trunk. Anything is better than stopping for fast food if it’s avoidable, and not just for health reasons but for budget reasons! I will say though, there are times that I am out much longer than expected or life happens and we have to grab a quick bite. But I plan when I can and as much as I can, and it saves us a ton of money. However, let the record show that I do have a Starbucks problem (if you follow me on Instagram, you may have noticed how often I have a cup in my hand). I keep that under {some} control with my Gold card, by loading a small amount on it each paycheck and when it’s gone, no more coffee out. Plus with the card, I get points toward a free coffee with each purchase 🙂

I make my own…everything.

Dishwasher detergent,

laundry soap

, dandruff shampoo, baby soap, rash cream… you name it, I make it. There are a few things that, for me, aren’t worth the extra effort- hand soap, dish soap, body wash, regular shampoo and conditioner- those are a few things that I have found to be complicated (or the recipes I found didn’t work well enough), and it’s just better to spend the few bucks. The biggest savings comes from making my own laundry detergent. Seriously, it is so expensive at the store! I can make a huge batch for a few bucks and it’ll last me six months. Also, there are some seriously scary and harmful, cancer-causing chemicals in soaps (yes, even baby and kids soaps), so that’s another reason I prefer to make my own stuff or at least buy natural on the stuff I don’t make myself.

We homeschool through a charter school.

There are so many reasons why many homeschoolers refuse to involve the state in their homeschooling. I have read up on this so much, and I know all the why’s and why not’s. For us, the why not’s do not outweigh the benefits. I feel many of the reasons to homeschool solo, which is more expensive, are based on fear, and we do not make decisions out of fear, but out of obedience to the Lord. Through the charter school in our area, we get $1,000 of funding per student per school year, and it can go towards curriculum, enrichment activites (like the American Girl history class Bella will be going to this year), sports, ballet, music classes… you name it. It’s awesome! Our particular charter school is very parent-led, and I get to choose whatever curriculum I want, and don’t have to lie or hide the Bible portion of our school days like some other parents do. I am also free to lead my children through a Charlotte Mason curriculum without any complaints from my ES (education specialist) about not having enough structure.

There is so much that goes into living on one income, making it very difficult to concentrate it into one blog post. If you have any questions or can think of something I didn’t cover here, please share with me in the comments and I will try to cover it in the next portion of this series!

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Wondering who this coffee-obsessed mama of four is?