Showing posts with label frugal living tips. Show all posts
Showing posts with label frugal living tips. Show all posts

Sunday, January 21, 2018

35 of my Most Frugal Living Tips

      Before I get started, I wanted to tell you about a recent blog post I did that has gone viral.  I recently wrote a post about How (and Why) to Dehydrate Aloe Vera.  The post got over 3000 views in the first 12 hours.  That is a first for me and I wanted to share my joy with each of you.

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How (and why) to dehydrate Aloe Vera.

    Okay, now on to today's post.

       Have you ever thought that you wanted to give the frugal life a shot but you just don't know where to start.  Before you dive head first into it, start slow until you figure out what works for you and what does not.  A few simple changes in your life at a time will really add up after awhile. 
  
      We could all use a few new frugal living tips and living frugally does not mean you are doomed to a life of deprivation.  Frugal living is not about deprivation or total sacrifice.  Frugal living is about living smarter so that you can afford the life you want to live...the life you have always dreamed of living.

        Most people would agree that we all need to make changes in our lives.  We should be better prepared for small and large emergencies.  We all need to cut our spending but most just don't know where to start.  In the following post, I am going to give you 35 suggestions to help you with your first steps to positive change.

      With that being said, just know that being frugal is a wise choice.  Being frugal helps you to spend less than you earn.  Having that extra money will allow you to save money for rainy days and to pay down your credit card debt, etc.  Also, if you spend less, you can work less.  If you are currently working two jobs or you are working a lot of overtime, if you can cut some expenses, perhaps you won't have to work as much which gives you more family time.  

      Here are the tips to help you lie a frugal life:  (Any words that are in "blue" or are underlined are linked to other posts that tell you more about the subject or will take you to a recipe).

  1. Make your own bread.  I make 4 loaves of bread a week and each loaf costs under 50 cents a piece to make.  So not only are you saving money but the taste of homemade bread is significantly better than store-bought.  Using my recipe, you can make 2 loaves of homemade bread in ONE HOUR (start-to-finish, including rise time).  
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  2.    Do you ever buy oranges or apples?  If so, keep the netting that they come in.  Just ball up the netting and it works good as a pot scrubber.
  3.   Instead of purchasing napkins, hand towels or tissues cut up your old towels and use the smaller pieces as hand towels.  Any old worn-out t-shirt can be cut up and used as napkins (think cloth napkins) and into tissues or "sneeze rags" as we like to call them (think handkerchiefs).  
  4. Instead of buying small trash bags for your smaller trash cans, use the plastic grocery sacks you get from the store.
  5. When you find bread on sale (day old bread, etc.) buy some up and freeze it and/or make French Toast Casserole or Bread Pudding for a yummy breakfast treat for your family.    
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    French Toast Casserole
  6.   Don't use your dryer on beautiful and sunny days.  Hang your clothes out to dry and let Mother Nature dry your clothes for you.  By doing so, you can lengthen the life of your clothes. 
  7.    Speaking of laundry, make your own laundry detergent and fabric softener.  The cost of detergent continues to climb but you can make 6 months worth of laundry detergent for the cost of one jug of detergent from the store.  
  8. Before you make any significant purchase, wait a full 24 hours before you buy.  This stops your impulse buying and helps you weigh the pros and cons of the purchase.
  9.  Don't buy chicken "pieces" at the supermarket (just the thighs or just the breasts) but instead purchase a whole chicken.  The cost is so much cheaper and there are so many ways to use the whole bird.  For example, Dr. Pepper Shredded Chicken, How to cook a complete Chicken Dinner in the Crockpot, Homemade Chicken and Dumplings, or make your own broth/stock.   
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    Homemade Chicken & Dumplings
  10. You can also save a ton of cash by purchasing a whole or half of ham.  Purchase it and then you can slice it up at home or you can have the butcher or deli slice it for you.  It is a much more frugal way to have sandwich meat.  
  11.  When you harvest your garden each year (and yes having a garden is a GREAT frugal tip too), save the seeds to be used the following year.  Just another reason we grow only heirloom and non-GMO varieties.  
  12. Make your own pancakes, waffles and instant oatmeal packets.  Again, they are cheaper than the store-bought varieties and taste better too.  You can in an afternoon to make up a bunch and freeze them and when you need some, just pop the waffles or pancakes into the oven, microwave or toaster and you are good to go.    
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    Homemade Waffles
  13. People need their cars to get around and to get to work, etc. and there is absolutely no doubt that automobile maintenance and gas is not cheap but there are ways to save money where your vehicle is concerned.  Instead of jumping into your car and running somewhere every time you fancy it, be sure to stop and think before you go:  Do you really NEED to go?  Is there anything else you can do while you are out and about? (Combine 2-3 errands into your trip.) Also, fill up a coffee cup with coffee or a cool beverage and eat a snack before you leave your home to keep yourself from stopping out somewhere and buying it.
  14.    Be your own baker.  Instead of purchasing a cake, pie or cookies from a bakery, bake them yourself.  Here are some great recipes that taste great and cost a fraction of the cost.  Homemade Doughnuts, Death by Chocolate Cake, Gluten-Free Double Chocolate Cookies, and Pumpkin Supreme Pie.   
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    Pumpkin Supreme Pie
  15. Make it, don't buy it.  There are so many things you can make yourself instead of purchasing it.  Good examples include:  Rice-a-roni (yes, it can be made at home); gravy and even Potato Chips.  
  16. Also, learn to can and dehydrate foods in season to be used throughout the year.  Did you know you can dehydrate watermelon, eggplant and pineapples?
  17.   We have talked about making your own bread and being your own baker but you should also be your family's cook.  Yes, cook your meals instead of getting take-out or drive-thru.  Cooking on a regular basis is not only fun but your family will appreciate it too.  In fact, on more than one occasion my teenage son has mentioned that he feels sorry for his friend because his friend only eats out and never gets a home-cooked meal.  Some fast-food style foods that you can make at home include Homemade Hush Puppies and French Fries!
  18. Another big expense I hear from families a lot is purchasing coffee from Starbucks or other places.  A man we know spends $6 per cup of coffee.  Oh, my!  That is crazy to me.  Do not ever purchase coffee when you are out.  Make it for yourself at home and take it in a thermos or in an insulated cup.  Click on the link to learn how to make French Vanilla Coffee at home. 
  19. Adopt a minimalist wardrobe.  I know many will not want to consider this tip but it can be done.  I have a very minimal wardrobe.  You do not have to go to such extremes but when you do purchase clothing, make sure everything goes with everything else.  You do not NEED that much to get by, even dressing well, purchase items you NEED and not that you just want.   
  20. Use cash, not credit cards for all your purchases.  Using cash and physically having to hand over that wad of money makes a person think more clearly over what they are buying and how much they are spending.  
  21. Become your own personal handy-man.  Watch Youtube videos or check out books from the library to learn how to repair things around the house or how to build things you may need for your home.  Save money that you would have to pay a repairman for to save for other expenses.  For example, we needed some hay feeders for our goats so we made them instead of buying some.                                                  
  22. Start hitting flea markets & yard sales for items that you need.  Just be sure to go with a specific item in mind and don't buy just for the sake of buying.
  23. NEVER go to a store without a list.  Buy only what you have on your list and don't do any impulse buying.
  24. Try meal planning. 
  25. If it is legal in your area, set up rain barrels and collect rain water.  The collected water can be used to water your garden or water your farm animals.
  26. Learn to turn off the lights as you leave a room.  We started doing this regularly and have already noticed a change in our electric bill.  
  27. Do not get cable/satellite TV and if you have it already, cancel it.  Watch just Blu-rays and DVD's.  Swap movies with your family and friends or check out movies from your local library.  You can also watch TV online now. 
  28. In the winter time, save money by wearing a sweater and house shoes instead of cranking up the heat.  Do not freeze yourself and your family but do turn the thermostat down a few degrees.  It really will add up.  Also read the following post:  10 tips for a warm home this winter. 
  29. Make your own homemade air freshener.  
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    Homemade Air Freshener
  30.  Don't throw out your leftovers.  Learn a great way to use them in this post:  Homemade TV Dinners.  
  31. Make your own condiments and sauces.  For instance, I make my own Steak Sauce, Barbecue Sauce, Spaghetti Sauce, Taco Seasoning, and even my own Baking Mix (similar to Bisquick).
  32. Instead of taking your kids to the movies or other places for entertainment, stay home and do fun things together such as making puppets; making a ball; or making some Play-Do together.  You don't have to spend money to have a good time.  
  33. If you have a farm, grow your own fodder and stretch a 50 pound bag of feed into 300 pounds of fodder.  
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    Growing Fodder
  34.  Buy in bulk to save money.
  35. Stock up on items you use frequently and keep a well stocked pantry.  75 Pantry Essentials Every Cook Needs

    If you have enjoyed this post and want to read more, be sure to check out my most popular blog post:  Frugal Living:  How our Family of 4 Live off of $1300 a month!

Saturday, July 1, 2017

Homemade Air Freshener

     I like the house to smell nice but I don't like buying the sprays because they cost so darned much.  I came up with a way to make some air freshener for the house that smells so much better than most and not only makes a lot, but the scent lasts a lot longer too. 
 
 



       All you need is 2 items to make it.  Gain Fireworks in-wash scent booster and a glass spray bottle.  


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     You can find the Gain Fireworks in the laundry aisle of about any store.  

      Place 1 tablespoon of the Gain beads into your spray bottle.  
 

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     Now, using a funnel, pour the crystals/beads into the spray bottle. 
 

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    Now add really warm water and fill up the bottle but leave about a 1/2" head space.  Now put the spray nozzle on and shake well.  It is now ready to use.


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      I shake it before each use and just go around my house spraying it.  It is nice smelling and long lasting.  The Gain scent booster costs between $4-$6 a container and it will last about 6 months.  I use this spray twice a day to freshen each of my rooms and it lasts and lasts.  For the price value alone, it is definitely worth making.

Be sure to read my other posts on Frugal Living!
 
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Sunday, November 29, 2015

Repurposing Old T-shirts

     We strongly believe in reusing and repurposing items.  We live on a fixed income and make do a lot of the time.   One way we save money is by not buying tissues.  Instead I make "sneeze rags" from old t-shirts.  I have all of our friends and neighbors give us their old t-shirts they would normally trash and I cut them up into sneeze rags and "personal cloths".

    A personal cloth is a fancy way of saying emergency TP.  If we ever run out of toilet paper, we will use these instead.  They are cut out of super soft t-shirt material and would be used in place of toilet paper.  I always keep a big supply of toilet paper on hand but if we should get snowed in or some other emergency should happen, I like having other options.  And for those of you saying "gross" or what have you, it is no different to me than having to wash out a cloth diaper which I have done many times.

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A t-shirt given to us by a friend.  Their child had outgrown it and it did not fit anyone in our household either.

      The "sneeze rags" we have been using exclusively in our home for over a year.  I just fill up a coffee can with them and if you need one, you use it and when you are done, put it into the dirty clothes hamper.  Again, no different than washing a hankie.  :-)

    When it comes to making these, the older and more worn the t-shirt, the better and softer it is.  I start off by cutting off the neck area of the t-shirt and the sleeves.

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Remove the neck area and the sleeves.


    Next, cut a strip of fabric that is about the same size as a normal tissue.  Sometimes I make them a bit longer and sometimes I cut them square like a handkerchief.  Just cut them as you like.  Be sure to cut off the hems and any rough area.

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One of the sneeze rags.


  I usually cut up the front of the t-shirt and use them for sneeze rags and I cut up the back of the t-shirts for personal cloths.  The personal cloths I cut up a bit larger.  Generally I cut the personal cloths about the width of a wash cloth and about 12" long.

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One of our personal cloths.


   From a youth large t-shirt I generally can make 5 personal cloths and 6 sneeze rags.  I just cut them up as I watch a movie or in between doing stuff on FB or online.  I store the sneeze rags in a large coffee can in each bedroom and in the living room and the personal cloths I store in large coffee cans and keep them under the sink in each bathroom.

I also make my own Homemade Air Freshener that is even better than Febreze!!!!

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Monday, September 9, 2013

Homemade Taco Seasoning

    One way I like to save money is by making a lot of my own "seasonings" and sauces instead of buying them.  Taco Seasoning is a great example.  I can make up a pint jar full of mix for less than $1.00 and it equals the amount of about 16 envelopes of store-bought taco seasoning.  The cost comparison alone should make you want to try it.


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   As you can see from my jar, you use 2 tablespoons of my mix to equal one store-bought envelope of taco seasoning.


Taco Seasoning

 1 c. chili powder
1/2 c. onion powder
1/4 c. plus 2 T. cumin
2 T. garlic powder
2 T. paprika
2 T. salt

Mix all ingredients together and store.  We put ours in a pint canning jar and it works great.
 
To use, mix together 2 tablespoons of taco seasoning with 1/2 cup of water. 
 
 
Be sure to check out my Homemade Taco Sauce too.

You might also like my Kale Pesto,  my Greek Spice Blend, and my Sweet Cinnamon Butter!



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Tuesday, May 14, 2013

Frugal Living Video Blog Series #3: Stocking up!

   This is the third video blog in the "Frugal Living" series.  This short video (less than a minute) talks about stocking up on things when you find them on sale.  Enjoy!






Tuesday, May 7, 2013

Frugal Living Series: Videoblog Post #2 (Don't Waste Nothing)

   This video blog post is 2nd in the series over Frugal Living.  In this video blog, "Countrified Hicks" talks about how you should not waste anything.




                                     Here is the link to the 1st post in the series:  Click here!



How to make the Oatmeal Packets she talks about in the video.



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Monday, May 6, 2013

Frugal Living Series: Videoblog Post #1

   Here is the first video blog post on frugal living that we have done.  Watch the video and hear "Countrified Hicks" talk about dehydrating, canning butter, spice rubs, jam, jelly, etc.   Click on the "recipe" tab to find some of the recipes she mentions.


Here are links to some of the things mentioned in the video:

Jamabalaya

Rice-a-roni mix

Corn cob Jelly

Here is the link to the 2nd video in the series.  Click here!

Frugal Living Video blog Series #3




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Monday, October 1, 2012

Making your Own Instant Oatmeal Packets

  

 
      My family loves oatmeal but they don't like to wait on it.  They like convenience.  I hate buying the boxes with 6-12 packets in them for $3-$4.00, especially when my hubby or boys eat 2 packets at a time.  Here is how you can make simple and quick Instant Oatmeal packets for your family.

Instant Oatmeal Packets
 
For each packet you will need: 
1 Snack-sized baggie
3 tsp. of brown sugar or 2 packet of sweetener
a pinch of salt
2 tsp. Instant powdered milk
2/3 c. Quick oats
1 tsp. Cinnamon

    Using the above ingredients, will pack a double packet (what my family generally eats per sitting).  

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The ingredients you will need. 

If your family normally gets full on a single packet, then just use 1 1/2 tsp. of brown sugar or 1 sweetener, 1 tsp. of powdered milk, 1/2 c. Quick oats and 1/2 tsp. cinnamon and just 1/3 c. hot water.  

    I begin by writing on one side of the baggie the directions: "Pour contents of baggie into a bowl.  Add 2/3 c. hot-to-boiling water and stir.  Let sit for 1 minute".  On the other side of the baggie, I just put the flavor combo:  "Cinnamon and sweetener".  You can add in raisins or other items to suit your taste.  
 
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Here are the completed packets. 


NOTE:  If your family normally gets full on a single packet, then just use 1 1/2 tsp. of brown sugar or 1 sweetener, 1 tsp. of powdered milk, 1/2 c. Quick oats and 1/2 tsp. cinnamon and just 1/3 c. hot water.  
 


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Thursday, August 2, 2012

Homemade Fabric Softener

   I have had many requests from people wanting to know how to make your own fabric softener.  I have previously posted how to make your own laundry detergent and how we do laundry in the country (hint:  we do not use a washing machine).  Anyway, here is how I do it.  Let me tell you, it is VERY, very simple.  I love how soft my clothes come out and they smell so lovely too.
 
 
Homemade Fabric Softener

                                  6 cups of VERY hot water 
                                         3 c. white vinegar
            1 (16 oz.) bottle Suave Refreshing Waterfall Mist conditioner

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   You can use a different scent of conditioner but I have always used Suave and this scent.  

    Mix the conditioner and the hot water together and stir until the conditioner is completely dissolved.  Stir in the vinegar and mix well.  We store ours in a 2 liter bottle but you can use an old fabric softener bottle or whatever you have lying around the house.  Just be sure to mark the bottle accordingly.  
 
    Add the mix into a Downy ball or just add 2 T. into your rinse cycle.

   Be sure to check out my post about line drying in the winter time!

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Tuesday, July 10, 2012

Frugal Living: Living off of $1300 a month!

   




    I recently read another blog and the writer talked about frugal living and how their family of 6 lived off of $2200 a month.  I did the figuring and seen they live off of an average of $367 a person.  Heck, I can do one better.  Our family of four lives off of $1300 a month, which is an average of $325 a person.  Not trying to have a "I'm better" contest or nothing.  I applaud them.  It just made me realize how little we truly live off of ourselves.  I know many people who make 3 or even 4 times as much as we do and they seem to struggle financially worse than we do.  How do we do it? We scrimp and save and we make a serious effort to live off what we have.   Am I being boastful?  No, I am just sharing what we do in hopes of helping at least one other family get by on what they earn.

      I know many of you make a lot more and I am glad for you.  Our family made a conscientious decision to live on a smaller income for many reasons.  Each family must do what they think is right for them.  We are judging no one and hope no one will judge us either.  I know people who have a mortgage payment that is more than our take home income.  Glad for you but am also glad it is you and not me.

     First of all, we drive a car that is 15 years old.  It is paid for so we have no car payment.  We do not see the need for a newer car when the car we have works just fine for us.  This car has driven us from eastern Oklahoma to New Mexico two times and to Galveston, TX there and back.  We have had the car for 2 years now and my hubby does all the maintenance on it himself.   As far as insurance goes, we carry the state minimum.

      Secondly, we do not have television reception (no dish, cable, or nothing like that).  We have a Blu-Ray player and that is what we use to watch movies.  We have allotted $35 a month into the budget to purchase new movies (DVD/Blu-Ray) etc. so that is our entertainment allotment per month.  Wal-mart has DVD's for $5 and Triple feature Blu-Rays for $13 so we can actually get a good deal of movies each month to add to our collection.  Many people have suggested we use Hulu or Netflix but our internet is capped and we can not do this.  Besides, our family likes to watch movies over and over again so owning the movies on disc works for us.

     Third, I know soda pop or coffee is a huge amount of money for some families each month.  We rarely buy soda or coffee anywhere.  If we want coffee, we make it at home.  Soda pop, yes we occasionally stop at the store and buy a fountain drink but it is a treat and not an everyday occurrence.  We may buy a total of 3 two-liter bottles of soda a month.  The kids and I drink mostly water at home and hubby survives off of coffee.  We purchase kool-aid or make iced tea or drink milk too.
   
      Eating out:  We eat out usually just once-a-month and that is when we do our monthly grocery shopping.  We usually stop at McDonald's and we all get a meal.  It helps that we live in a small city that has no fast food restaurants in it but even if it did, we still would not eat out much.  The $20 it could cost to feed our family of 4 at a fast food restaurant could be better spent by buying $20 worth of groceries.  The key is asking yourself:  Okay, I can spend $5 getting us all a fountain drink or I could spend the $5 buying a 2 liter bottle of soda, a loaf of bread, and a pkg. of hot dogs and have a little left over.  Which is smarter?  Same with a meal out.  $20 can buy a LOT of groceries and feed your family for several meals.  I have received many rude comments about McDonald's should not be considered eating out.  It is eating a way from home so it is eating out.  Please be nicer.

      I have also signed up for Mypoints.com and regularly order free samples online.  I have heard all the excuses as to why others do not do this but it really helps out.  By only clicking on emails (never made a purchase yet), I average $100 in Walmart gift certificates a year from MyPoints.  I get free samples in the mail at least 4 times a week by only requesting them.  Some samples are for full size products.  In fact, I just got a free coupon in the mail for $9.00 worth of bacon or lunch meat.  It IS worth your time to do these things.

     If you smoke, quit smoking or buy loose tobacco and roll your own.  You can save yourself and your family a LOT of money.  My hubby used to smoke over a package of cigarettes a day but once we had to cut back, he took up smoking a pipe and we buy his bag of pipe tobacco for $15 and the bag lasts him a full month.  That switch saved our family a LOT of money. (Yes, I know smoking is bad for him.  Yes, I prefer he would quit but it is his only vice and I love him).

     Clothes and shoes:  Okay, don't freak but I own just 3 pairs of pants.   All three are black pants that can be worn with anything.  I own 4 dresses and probably 15 tops.  That's it.  Why?  Because I do not need more.  I can get by with that.  And shoes, well I own 2 pairs of shoes and 1 pair of boots.  My husband and boys have about the same number of clothes and shoes.  We do not need designer labels or a ton of clothing.  I try to buy from garage sales and thrift stores for our clothing but if I can not find what we need, we buy new from retail stores such as Walmart.  I could allot more money into the clothing budget but I see no need to.  We have learned to get by with less.  It was a personal decision that works for us.  I do not judge someone because they have a closet full of clothes.  It is just not what I need at this stage of my life.  I do not feel the need to come up with the Jones'.  :-)

      Household needs:   One of my weaknesses is my shampoo.  I love Pantene shampoo and that is one area that I splurge but I do buy the $1 conditioners.  Walmart always has White Rain brand or another good brand on sale for $1 or less.  When I buy household items, I buy what we need for one month so I do not have to run to a convenience store or another store and buy items for more than I prefer.  If I see toothpaste on sale for a good price, I buy 10 of them to last quite awhile. We never buy paper towels or napkins.  We use washable hand towels instead.  Same goes with paper plates and disposable cups.  No need for them, we use the ones in our cabinets instead.   We make our own air freshener.

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Homemade Air Freshener, similar to Febreze.


      We make our own dishwasher detergent, our own detergent for washing clothes, and our own fabric softener liquid.  I clean with bleach or vinegar.  There are ways you can cut out a huge chunk of your monthly bill here if you try.  We currently spend $50 a month on household items (toilet paper, etc.) and usually have money left over because we do not use that much. 

laundry, country style,    Utilities:  We have a well and do not pay a water bill.  Our home is total electric so there is no gas or propane bill.  We try to keep the electricity bill down as much as possible but the bill gets to be close to $250 in the summer and about $150 other times of the year.  We turn off lights when we leave a room, etc.  We cook in a crock pot at least one meal a day so that cuts down on heating the house and on running a stove or oven.  I try to cut out process foods and "easy" foods so we do not use the microwave as often as many families.  Also, we do our laundry by hand outside and let them "line dry".  This saves on water and electricity.  When it comes to using the dishwasher, I ask myself "is this dish really that dirty?" If the answer is no, it is easy to just hand wash it and put it away.  No need to run every little dish through the dishwasher and use all that water and electricity if you don't need to.  We could save more money on the electric bill by turning up the thermostat in the summer time and down in the winter but I suffer from MS (Multiple Sclerosis) and can't stand the heat.  It makes my symptoms worse so this is one area we do not skimp on.

    Groceries:  We spend about $400 a month on groceries every month.  We eat breakfast (usually pancakes, breakfast burritos, cereal, etc.), then for lunch is usually a sandwich or soup and supper is a cooked meal.  We do not buy many "snack" foods or heavily processed foods.  If we snack, it is on popcorn or homemade desserts.   Instead of hamburger Helper, we buy rice, pasta, etc. and make our own. We have chickens for fresh eggs and grow food in the garden.  We can our own salsa, jams, etc.  I make my own chicken broth and chicken stock.  I buy whole chickens and use pretty much EVERYTHING!   I buy generic food items mostly.  Little cuts here and there really add up and we never go hungry.  In fact, we help out friends by sharing our groceries and still have enough for ourselves.  Also, we shop just once a month.  This planning saves us a lot of money because rarely does one run to the grocery store and only buy just what they need.  Every time you go, you spend more than you expect to.  By going only once a month, we avoid these extra expenditures.

    Gas:  Don't run to the store every time you think you need something.  Learn to slow down and think if you really need to run into town or whatever.  We rarely run into town for one thing.  If we run to town, we make it worth the trip.  We pick up the mail, visit family of friends, go to the library, etc. all at once to save gas and time.  Is it necessary to go to the post office everyday or can you get by with going just once or twice a week?  Plan your trips and save that fuel.

   For the people who are bashing my post right now, for so many petty reasons, I am just trying to help others.  Sorry my grammar and "writing tone" is not perfect.  I am a hick.  Hence the name of the blog.  Why you would come to my blog expecting anything other than country wisdom is beyond me.  Regardless, I forgive you.  :-)  Anyway, people have also commented on us using more water by washing outside.  No, that is not true.  We have figured how many gallons of water to wash outside compared to using a washer and we use less and the sun dries our clothes.  We do not even own a washer and dryer now so there's no going back.

     Does that help anyone?  I hope so.  Do you have any questions?  I would be happy to answer them to the best of my ability.  I am no expert.  I just know what works for us.
Hugs,
Melody

Be sure to check out the 35 of my Most Frugal Tips!
 

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Update on Ronny & Memorizing Memory Verses

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