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No more Poverty! Five Frugal Tips!

10 Jan

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Break that poverty mentality! Find ways to save more money this year.

Here is a preview: my daughter is practicing cooking at home vs. eating out! 🙂

Feel free to watch the rest in the video below!

If you like this post, feel free to follow my blog or to “like” my fan page below.

https://www.facebook.com/pages/Loving-Life/378787838834868

And watch my videos here if you like:

https://lholmes79.wordpress.com/2012/06/06/check-out-my-cool-videos-collection-at-lockerz/3

***Want to become a better wife, or to prepare for marriage, (regardless of whether you’re single, engaged, dating, or divorced?)  Get signed up for my “Brides in Training” class – I’m enrolling now, and it’s for EVERY woman regardless of martial status – for more info, leave a message in the contact section of my website below! :)  It’s a fun and interactive class that can be taken in person, via skype, online, or over the phone.  Wisdom, fun, and lots of laughs are guaranteed!

http://www.successcoachingandtutoring.com/Brides-in-Training-Coaching.html

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Yes I shop at the Dollar Tree and I’m proud of it!

30 Dec

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Here is a picture of myself, my son, and a good friend of mine from middle school coming over for a visit…(yet another way to save money by bringing people to the house for a yummy, home-cooked meal instead of spending big bucks at a restaurant!) 🙂

…Yes friends, it’s another cheapskate post! 🙂  I am the ultimate cheapskate…I am still wondering why they didn’t contact me to be on their show!lol…

So I just got back from Dollar Tree, (which is one of my favorite stores to frequent, because where else can you get everything for a dollar???)  🙂

Sometimes my friends and family will laugh at me because of my frugal ways – I make my own soap, I shop at the dollar tree, and I only shop at Wal-Mart if an item can’t be bought at the dollar tree.  I think I’ve been to Target three or four times.

Basically, I am always looking for a way to save a buck.  If we do go out to eat, we use coupons, dollar menu’s, (as seen below,) 🙂 and eat at lunch time.

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Sometimes I think about how looks can be deceiving.  When I go to the gym, I do not dress up – I wear my old sweatpants and an oversized T-shirt.  I am not the kind to wear lipstick and blush if I’m just going to sweat on the elliptical!lol…and often I know that based on how I dress on my “down days,” people think that I am poor.

I really don’t mind what others think; I just find it funny that the people who shop at Dollar Tree and “dress down” are often the ones with money in the bank, and those with the newest clothes and cars are often the ones in the most debt.

Please don’t think I’m knocking looking nice or having new things; God does bless us so that we can enjoy our money.  🙂

I just also believe it’s important to be frugal so that I can save for what matters.  Every dollar saved by shopping at Dollar Tree is another dollar that can be put towards my kids college education, a trip to the Dominican Republic, or for having a family over for dinner that doesn’t know where their next meal is coming from!  Every dollar saved is another dollar I can put towards having my mortage paid off by the time I’m 40, (or earlier!) 🙂

Being frugal doesn’t mean you can’t enjoy your life or your money; it simply means that you save a lot so that you’ll have money for the things that are important to you.

We still go out to eat – don’t get me wrong.  Here is some yummy Indian food from one of our favorite restaurants, Rajput, (who has an awesome lunch buffet…always eat lunch out b/c it’s usually cheaper than a dinner menu!) 🙂

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So be blessed,  and in the words of another extreme cheapskate, “stay cheap!!”lol… ;p

And before I forget…tell me how you save money! 🙂

If you like this post, feel free to follow my blog or to “like” my fan page below.

https://www.facebook.com/pages/Loving-Life/378787838834868

And watch my videos here if you like:

https://lholmes79.wordpress.com/2012/06/06/check-out-my-cool-videos-collection-at-lockerz/3

***Want to become a better wife, or to prepare for marriage, (regardless of whether you’re single, engaged, dating, or divorced?)  Get signed up for my “Brides in Training” class – I’m enrolling now, and it’s for EVERY woman regardless of martial status – for more info, leave a message in the contact section of my website below! :)  It’s a fun and interactive class that can be taken in person, via skype, online, or over the phone.  Wisdom, fun, and lots of laughs are guaranteed!

http://www.successcoachingandtutoring.com/Brides-in-Training-Coaching.html

I eavesdropped on two little old ladies

2 Oct

 

 

 

 

 

 

 

 

 

 

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Disclaimer: This is not about two little old lady boxers, although it is about two little old ladies.  Sorry for any false advertisement – I just thought this lady looked cute in her boxing gloves!haha  ;p

 

Today at the YMCA as I was filling up my water bottle with decaf., I heard two little old ladies having a spirited discussion at the tables in the front lobby.  I lingered a bit longer at the coffee station to hear what was going on.

In my day, there wasn’t all this debt like we see now,” said a lady with short white hair who I’ll call Agnes.

I know, we bought what we needed, and that was it.  We didn’t have all these gadgets that cost an arm and a leg,” replied “Agnes” friend.

Hmm…I thought about how right they were.  Imagine if we only bought what we truly needed?  I am not against technology; I have the iphone, but only because my plan was up and I needed a new phone.  ...And I didn’t spend hundreds of dollar or camp out overnight to get it!lol…

But back to what “Agnes” was saying, what if we ate meals at home more, and stopped spending extra money on fast food?  What if we bought homes we could actually afford instead of stretching our wallet’s to buy a 4,000 sq. foot home whose payments leave us house poor?  What if we resisted the urge to buy our kids twenty presents for Christmas, and instead just bought or made one or two small gifts, and focused on the true meaning?

I challenge you to go a week and buy only what you “need,” and to see how much money you save.  I tried this a few months ago, and was amazed at how much extra money I had at the end of the month.

What about you? How else do you save a few bucks?  What do you think about what “Agnes” said? 🙂

Blessings!

The book is due out in the Fall of 2012. :)

If you like this post, feel free to follow my blog or “like” my fan page below. :)

https://www.facebook.com/pages/Loving-Life/378787838834868

And watch my videos here if you like:

https://lholmes79.wordpress.com/2012/06/06/check-out-my-cool-videos-collection-at-lockerz/3

I’ve lost ten pounds (and still losing) with exercise and an awesome wellness supplement called Visi – read my testimony here and msg. me for more info! http://teamvisi.com/laurenholmes/Bio.html

Someone’s gotta be rich. Why not you??

23 Aug

 

 

 

 

 

 

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Ever heard any of these: “I’m struggling in my finances – maybe God wants me to be poor to teach me something,” or, “I don’t have much, and neither did my parents, but it’s OK because we get by all right…plus it’s wrong to be focused on money...”

But the Bible never said wanting more money was wrong; it warns to guard against the love of money.

“Whoever loves money never has money enough, whoever loves wealth is never satisfied with his income,” Ecclesiastes 6:6.

Why resign yourself to be poor?  Instead, why not ask God for wealth so that you can be in a position to bless others?

Someone has to be rich.  Why not you?

Don’t talk yourself out of wealth – anyone can do it.   We live in an age where stay at home moms have started million dollar at home businesses, and where college dropouts start the largest computer firms in the world.

Again, why not you?

If you want more, start reading up on finance.  Get some Dave Ramsey books and buy the book “The Success Principles.”  Start a side business.  Drive through a neighborhood of million dollar homes and ask yourself, “why not me?”  Begin to pray about business opportunities that will double your income.  Think of creative ways to bring in more.  Find a mentor who is where you want to be, and ask them how they got there.  Don’t be afraid to admit that you don’t have all the answers.

When my husband and I were praying one night, we felt that God wanted us to rent out our extra rooms to singles, and show them an example of a loving, (but not perfect,) married couple who put God first.  Only problem was, we didn’t have any extra rooms!lol…but we did desires a house at the time.  Within a few months, we had just bought a new house, and were bringing in $1000/month in rental income in our early 20’s.

Don’t put anything past God or think He can’t bless you.  When your desire is to bless others, and your heart is in the right place, then watch God do it, no matter your past or your current financial state.

What about you?  What are some creative ways that your family brings in extra income?

Be blessed!

***I am looking for guest bloggers!  If interested, please message me!

The book is due out in the Fall of 2012. :)

If you like this post, feel free to follow my blog or “like” my fan page below. :)

https://www.facebook.com/pages/Loving-Life/378787838834868

And watch my videos here if you like:

https://lholmes79.wordpress.com/2012/06/06/check-out-my-cool-videos-collection-at-lockerz/3

More money saving tips!

16 Aug

 

 

 

 

 

 

 

 

 

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Hello to all my frugal friends!

So recently I was at the airport, and I bought an Auntie Annie’s pretzel, and asked for a cup of water.  Apparently, there is no such thing as a free cup of water anymore!  They want you to buy a $2.50 bottle of water!!lol…

So needless to say, this mama is on a quest to keep saving money even if restaurants are no longer giving out free waters, sauces, etc.  🙂

So here are a few more tips:

1. Bring a bottle of water with you everywhere – no longer is water free.  Even at my favorite Japanese place at the mall, as of this week, they no longer let you get free water.

2. Every morning, I make a huge bowl of air-popped popcorn.  The kids and I munch on it all day for snack, and we take some with us everywhere to avoid buying fast food.

3. Do the Dave Ramsey envelope system.  My bills come out automatically, and all other expenses are distributed into three envelopes filled with cash for A. Food/toiletries, B. Gas, and C. Entertainment.  This allows me to control where every cent goes and I am saving waaay more!!

What about you?  Share your money saving tips with this frugal mama! 🙂

Blessings!

The book is due out in the Fall of 2012. :)

If you like this post, feel free to follow my blog or “like” my fan page below. :)

https://www.facebook.com/pages/Loving-Life/378787838834868

And watch my videos here if you like:

https://lholmes79.wordpress.com/2012/06/06/check-out-my-cool-videos-collection-at-lockerz/3

Where am I gonna get the money?

17 Jul

 

 

 

 

 

 

 

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It’s a question we’ve all asked at some point, (including myself!) 🙂

I don’t think the answer always lies in that if you pray hard enough, you’ll magically become a millionaire!lol…otherwise we’d all be living in Beverly Hills driving whatever new car was out – (I’d be driving a white Hummer…don’t tell my hubby, he hates them!) 🙂

In my own life, it’s not always about money – often, God allows me the favor to get things for free.  When we live a life that pleases the Lord, He can’t help but bless us!

For example, just last week, someone brought me whole week’s worth of groceries.

Saturday, a friend asked me to post a craigslist ad for tickets, and if they sold, they would give me $25.  They sold – dinner out on the town.  🙂  And with the coupon we had, we ended up paying $11 for a full meal for two.  🙂

God continually blesses me with ways to make money from home, or people just give me money, discounts, and freebies.

When my daughter was born, God told me not to spend a dime on clothes – we’d be given everything.  And to this day, I’ve never had to buy her anything.

See how God works?  We don’t have to be millionaires to live comfortably and have great lives, (although one day I will be a millionaire.)  🙂

Don’t get me wrong – I am not bragging – I’m simply telling how good God’s been in my own life!

Yes, I know there are “good  people” who aren’t blessed, and I don’t have an answer for that.  Some things we won’t know until we get to heaven.  But who says that blessing has to only be monetary?  For me, I’d rather have my two beautiful children, a loving husband, good friends, and a place to live any day over millions of dollars.

Be blessed! 🙂

***Stop back on Wednesday – I’ll be giving away a free $25 Wal-Mart gift card on my link-up here at Loving Life Wednesday’s!! :)

For another chance to win, comment on yesterday’s blog here:

https://lholmes79.wordpress.com/2012/07/16/win-a-25-wal-mart-gift-card/

The book is due out in the Fall of 2012. :)

If you like this post, feel free to follow my blog or “like” my fan page below. :)

https://www.facebook.com/pages/Loving-Life/378787838834868

And watch my videos here if you like:

https://lholmes79.wordpress.com/2012/06/06/check-out-my-cool-videos-collection-at-lockerz/3

Are you eating your money?

23 May

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Yesterday I took the kids to meet up at the park with a few other mom friends and their kids.  Between stopping our kids from eating dirt and playing with “ABC” gum, 🙂  we did find a little time for some mommy conversation in the shade of the picnic area.  It was a warm, beautiful summer day, and we were relaxed as could be as we talked about everything from our children’s education, Memorial Day plans, and finding time for romance with our husbands.  During a lull in the conversation, I realized that three out of four of us had stopped at Starbucks before coming to the play date, so immediately, the new conversation turned to how we needed to get better at saving money, meal planning, and packing lunches so that we don’t have to spend our hard-earned money at Starbucks, (or eight-bucks,) which is what you’re really more likely to spend. 🙂

So let me ask you the same question we asked each other –  Are you eating your money?  I recently read in another blog an analogy that has stuck with me for some time.  One woman spoke of how every time she bought fast food or went to a restaurant, she realized that she was in essence “eating money” that could be used for a family vacation, her daughter’s ballet lessons, or even a romantic getaway with her husband.  While I am all about eating at a nice restaurant every now and then, I also think that it’s important to consciously do what we can to save money here and there, (especially when it comes to eating out!)

Here are a few ways we came up with to cut back on “eating your money.”

1. If you’re going on a play date with the kids at the park, or even running errands for a few hours, bring a snack.  Most likely, you’ll get hungry, and end up taking the kids through the McDonald’s Drive through or getting a candy bar and a vitamin water while waiting in the long line at Wal-Mart – (I’ve been guilty of the latter so many times.)  🙂  Instead, make your own snack pack complete with a few carrots, some cheese slices, a turkey roll, and a couple of grapes.  And bring a bottle of water and some snacks that the kids will like too so that you won’t have to grab a bag of chips for a hungry toddler who is yelling “chippeeeeees,” during your trip to the grocery store.

2. Instead of eating dinner out, eat lunch or brunch out.  Often, the lunch menu is way cheaper, as well as the Sunday morning brunch menu.  You can get the same meals, (such as the Seafood feast at Ruby Tuesdays,) for almost half of the price on Sunday mornings/afternoons.

3. Bring coupons with you, or go to the places where kids eat free.

4. Eat dinner at home!  People often end up ordering pizza or Chinese b/c they don’t know what to make for dinner.  So many people have caught onto the meal planning craze, as have I! 🙂  I use Dave Ramsey’s emeals – they are easy and yummy, and I have bought dinner for seven nights for two for 44.00/week!  Definitely worth it!  It even lets you choose low fat and low sodium options, the store where you want to shop, and it tells you where the items in the store are located, (such as the deli section, produce section, etc.)  And to top it off, it even plans the meals around items that are on sale for the week, and the meals are never longer than five steps, (and have few ingredients!)  Find out more info here –> http://emeals.com/dave-ramsey

I hope that these tips have helped you!  Please leave (nice) 🙂 comments if you can think of any other ways to save money on food!

***The book is due out in the fall.  I’m just editing all summer.  🙂

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