Amazing! Financial Goals can be accomplished

With hanging out laundry your electric balanced monthly can come down several dollars a month. Well multiply that by 12. It adds up every little thing adds up. There are so many little ways that can make big changes. Sweater not thermostat. This alone has reduced our balance monthly plan by $5 a month so far. They reevaluate it through out the year so don't give up if it did not show the goal as well as desired.

Rhonda over at down to earth blessed me with the skill of homemade laundry soap. In turn how fun it is to help support others as well. We all have ideas of living more wisely. Whether to be 'green' or simply economical. Funny thing is no matter the goal reducing waste is the product! It is just good sense and always has been to respect what you have. Golly we all work so hard for it.


Savings Accounts do not have to be hit throughout the year. Nor do we have to find ourselves using our tax returns and overtime to cover budget overages. Although savings may be minimal it can be accomplished! If it is in budget before any expenses are even listed. Some day if partial retirement  comes it will really be a boon. Having no credit cards to depend on is a calculated risk. One that is a motivator and self discipline. It pays off in so many many ways. Debt free is a real marriage pleaser.

So the savings goal is a part of the long term safety net. Some day we hope to have a three months worth of no touch net. If  God forbid we would ever be laid off panic would have a bit of ease. This will be hard work. Every family is struggling hard. Helping our families to be focused through the struggle is vital. It is far too easy for some to just throw in the towel and pull out the credit card. Resist it with all your worth. Instead pull out some imaginative resistance and creative budget cuts.
With persistence your grocery can be all homemade. The savings alone will blow your mind and build your budget.

Resisting the temptations of criticism is another hard issue. Those woe is me lies that hit when others come up with cash out of thin air to get things that we chose not to afford. Those are the hard times when focus is the goal. Freedom from the money stress the reward. Sits much better than that pretty new sofa over at the friends house. Good lessons in envy removal. Facing envy really makes the character overcome it by choice. If no one ever had more than we would not want much more than we have for the most part.

No malls, catalogs, fliers or commercials. Guard your eyes and do not touch that is the one thing that causes us to purchase more than anything. Merchants know once in the hand a buyer is 90+% more likely to buy. Learn their tricks this holiday season. So that you can be Merry not caught up in that horrid buyers remorse. Enjoy the shopping with intention and watch out for the snakes in the grass. The pocket it the place they most like to bite ya this time of year.

Christmas can be done on a budget, projected out and set aside. It is a real peace maker. Speaking of making...start up those crafting skills. Come visit me over at A Place to Create. My machines and needles will begin a spinning.

Gotta fly the kids want to play tickle bug on the big bed.......enjoy your night