Well, it’s February. We’re full swing into the new year, and I’m busy organizing, planning, and scheduling everything!
As a busy mom, I don many hats: wife, mom, teacher, accountant, maid, chef, chaperone, and bus driver. The fun never stops around here! However, in order for everything to run on schedule and smoothly, everything must be well organized and planned out.
I’ve just sent in my income tax statement and I know I should get a refund check in about 5 weeks, around the middle of March. This year’s refund is about the same as last year’s. Being a big family, we depend greatly on that refund to help supplement our income for the year.
Last year, we took an out of state trip and fitted one child for contacts. The total of those expenses took about $1000 from our yearly budget and savings. Although that may not seem like much, that extra $1000 expenditure made things very tight for us during the last few months. I will be glad to see that IRS refund this year and plan to use it, or “not use it” wisely. I don’t want to be in a tight bind, financially, this time next year.
Plan It All Out
In order to do this we must budget well. This year, I have a child who will not only be starting dual credit at the community college, but also gets her driver’s license and will be spending a week this summer at our local university for String (Violin) Camp. Whew! This will all be figured into the yearly budget. To budget accordingly, we have to plan the whole year out. We’ll sit down with our calendar and make a list of events and expenditures we already know about this year. Those amounts will be figured into our yearly budget so that there will be no surprises or short comings when the need arises.
Molly The Debt Free Frugalista
Also, we talk about being content, enjoying what you have, living within your means and learning to minimize, recycle, and reuse. It’s not always easy being a frugalista. Sometimes it means just doing without. However, sometimes it’s just a matter of figuring how to get the things my family needs in creative ways.
All our needs are provided for and we live well within our means. That gives me a sense of accomplishment and a desire to share what I’ve learned with all of you.
I hope you will enjoy this month’s magazine. Take a little time each day to read over all the articles. Bake up a batch of pancakes with your DIY Baking mix. Sew a comfy new bed for the family cat and spend some time asking yourself, ” Are you content?” and ” How can I enjoy my life and family more?” Make the most of every moment and share with others your experiences and what you’ve learned.
Share a Copy
“Do you know someone that is struggling to make ends meet? Do they need help learning to budget, becoming debt free or finding affordable health insurance and medical care options?
Show them this magazine and let them know we’re here to help. As always, they can get their own copy for just $4.95 a month or become Molly Members for a yearly price of just $3.85 a month. Becoming a Molly Member will gain them access to all of the wonderful money saving, debt busting, economy- busting resources Molly has shared with you. Pass it On!