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Compassion International

As mentioned in a previous post, both Aaron and I feel very strongly about giving. It is so important to give to others out of the blessings you have received. Every day I go to work I thank God for my job and for providing so well for me when others aren’t fortunate enough to have a job to go to every day. I know it sounds strange because it’s natural to complain about work, but I choose to see it as a blessing instead. Because I feel like I am blessed with this job, I want to bless others as well. I decided when I took this job that 10% of my pay would be taken out so that I could put that money towards things that I feel strongly about. If I would break that money up into 4 weeks within a month my giving would be as follows: Two weeks worth goes towards my church, one weeks worth goes towards Compassion International, and the last week goes towards a nice deed. For me that “nice deed” could be any range of things, from giving a gift to my barista at Starbucks to giving to our local food bank. It varies month to month.

What I want to focus on though, is Compassion International. I think this is a wonderful mission and I especially feel led to give because I feel so strongly for children. I’ve always had a passion for kids and it’s so sad to see the conditions that children are living in all around the world. Compassion helps to relieve that problem. They are a Christian organization that allows people to sponsor children from around the world who live in impoverished conditions. It’s only $32 dollars a month and that amount goes directly to your child to help pay for: medical costs, education, clean water, and important life-skills training.
What I really like about this organization as opposed to others is that it’s not just me sending money to some people I don’t know. They try to make it as personal as possible. When you go to their website you can read all about their mission statement and what your money will be used for. You can also pick the child that you want to sponsor. They have all the children that are in their program online so you can chose to search by location, age, gender, or how long they’ve been in the program. (I personally didn’t have anything in particular in mind so I chose a little girl who had been unsponsored for an extended period of time.) Also, what is great, is that you can write letters and send a picture of yourself to the child as well. You fill out a little form that they give you and mail it in. It will take a while to get a response being that it needs to be translated both ways first and depending on where the child lives, mail may not go there regularly. You should however receive at least three correspondences throughout the year. And, if you feel led you may also visit the child. Compassion takes a group of people on tours every so often which gives sponsors the opportunity to visit the child if they wish.
I encourage you to at least check out the website and see if it would be something you would be interested in. It’s a wonderful opportunity to change a child’s life and show them love when they may otherwise feel hopeless.
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Keep an Eye on Your Bank Accounts – Video

Another simple video with a simple idea. (Email subscribers, come out to the website for this one. Not an email subscriber yet? Click here to sign up *your email is safe with us*).

Checking your accounts on a daily basis is a great way to avoid over drafts, identity theft, or getting lower than what your budget says. A great way to keep up with your recent account activity is by having it sent to your email. Check out this review on Rudder.com and give it a shot. They bring the information to you on a daily basis. What’s better than that?

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10 Tips on Planning a Party on a Budget

Yesterday I talked about how I saved with the 25th wedding anniversary party I planned. Today I’m going to be giving you tips on how to go about planning your own party on a budget. This list can go towards any party that you plan but is more beneficial to those planning a larger party. Either way pick and choose the tips that will work best for you and your event. Good luck!

1.) Do Research: It is very important to know what is appropriate for the occasion that you’re planning. You should have an idea of what has worked for others in the past and what should just be left alone. This applies to location, decorations, the guest list, and food as well. A well thought out party is a successful party.

2.) Location, location, location: The setting is very important when planning a party, especially if it’s going to be more formal. If your home is large enough and can accommodate the number of people on the guest list, that should be your starting point. It’s normally easier and a lot cheaper if you can just have the gathering at your own place. You’re more comfortable there and it makes food preparation a breeze. If that is not an option, check out your local fire hall or church. If you attend the church you want to host your event at, they may offer a room to you for free. If not, either choice will be substantially cheaper than other options out there.

3.) Guest list: Keep your list to a minimum. The less people there, the less cost to you. It gets more and more expensive the farther up you go with your guest list. Be realistic about who you “have” to invite. Once you start getting into the, “well I have to invite them because I invited ________(fill in the blank)”, it gets dicey. Start with making a list of the bare minimum people that you really want to have there. Then make another list of who would be nice to have there. If the second list gets out of control, ditch it altogether and just stick to the original.

4.) Decorations/Centerpieces: If you are having a sit down dinner it may be necessary to have some sort of centerpiece on the table. This can get seriously pricey if not thought through. Do some digging and try to figure out if anyone would have decorations you can borrow. Did someone have a wedding recently? Could you borrow decorations from a school that just had a prom? Does the church you belong to have anything you could borrow? Ask around. Maybe you could borrow enough items from different places/people to pull something together. Keep in mind that it doesn’t have to match perfectly. It is perfectly fine for the items to be eclectic. Maybe you want to have flowers as a centerpiece but you don’t have enough vases. Ask friends and family for any glass vases that they may have. Secure a piece of tape on the bottom with their name on it then fill them with flowers. Not all the vases are exactly the same BUT they all match because they’re glass.

5.) Stay Organized: When you are on top of all the little dirty details then it’s less likely that you will be running errands at the last minute to pick up things you forgot. When that happens you are normally in a hurry and you’re not exactly looking for the best deal. The last minute details can really add up if you haven’t planned properly.

6.) Cake: Cakes are ridiculously overpriced in my opinion. Instead of getting a cake made, opt for cupcakes or other desserts instead. And, if you can manage, make the treats yourself. If you don’t feel comfortable making them, ask a friend or family member if they would mind helping you out by making them. By not going to a bakery you can easily save yourself at least $100 depending on the size of the function.

7.) Borrow over Renting: In general, it’s more costly to rent than it would be to borrow. The two large parties that I planned this year, I borrowed anything I possibly could. I made sure I kept good notes so I could return the items to their proper owners. This saved a bundle, especially when I think about what all I needed and might have got stuck renting if I couldn’t work anything out. Here are some things to try to borrow over renting: tablecloths, tables, chairs, seat coverings, centerpieces, decorations, serving trays, chafing pans, silverware, china, etc. “Beg, Borrow, and Steal.” Well, maybe not steal, but you get the idea.

8.) Helping hands: These days money can buy just about anything, including help. I needed help when I hosted my events this year but I did not hire a service to do it. I took the responsibility upon myself. I phoned friends and family and found out who was available to work that evening. I did pay them a small amount and made sure I sent them a thank you card as well. Even though I did pay them, you would not have to do the same if your budget did not allow it. I would not forgo the card though. It is so important to give praise where it is due. If someone has taken time out of their busy schedule to help you out, please do something for their efforts. I would also encourage you to give them a gift card to a cafe or something. Maybe just a $5 gift card to Starbucks. It lets them know that you saw how much they worked and are doing what you can to reward their efforts. When you are considerate towards people they will be more likely to help you out again in the future.

9.) Food: Always make your own food over having it catered. Catering services get really pricey and it’s honestly not worth it. People would much rather have some good, home-cooked food any day. I received numerous compliments on the food that we served for the anniversary party we hosted. We decided on 4 different pasta dishes, all home-made, and all delicious. People appreciated the time and effort we put into it. It can get to be a chore though when serving a large group of people, even a small group gets to be a lot. Don’t be afraid to ask people if they could bring something. There’s nothing wrong with that at all. For this last party I didn’t feel like it would be appropriate to ask any of the guests to bring items. So instead, I asked my family. They were more than willing to help out and everything was delicious!

10.) Entertainment: This is one area that people tend to go overboard. Adults really don’t need to be overly entertained. They can entertain themselves. I wouldn’t hire a DJ or anyone to act as entertainment for the evening. Instead, if you are hosting a party to honor someone (like a birthday, anniversary, or shower) pass a mic around and let people share funny or memorable times they had the with person you’re honoring. People love to hear personal stories and it’s a great way for your guests to be involved. If you want music, just simply play some in the background. It’s a nice touch but not over the top in any way.

I hope this list will help you out as much as it helped me out this year. If you have an upcoming event let us know about it or send us pictures of your successful parties.

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How I Saved Money This Week

Now December in general is a pricey month. There are Christmas parties to go to, which normally means you’ll need a good outfit and a gift. There are Christmas plays and shows to attend as well as Christmas Day itself and all that the day entails. My December is packed with all of that as well as having to plan an anniversary party for roughly 50 people. Now I don’t want you to think I’m complaining because I’m not. I love planning parties and this is actually my second large one this year. The point I do want to make is how I saved money so that this party wouldn’t turn into a financial strain for all the people involved. So lets begin.
1.) Invitations: One of the first things you are going to need for a party is the invite. Otherwise how the heck will anyone know what you are doing or where it is. This is pretty vital. This party was going to be a little more formal so I didn’t just want to buy a cheap looking one from off the rack of a store. But, I didn’t want to spend a small fortune on custom ones either. So, what did I do? I actually ended up using invitations that I had laying around that were blank. They were semi-formal with silver lining which made them perfect for the occasion. I picked out an appropriate saying for the invitations and was ready to send them out. The only cost was the ink for the printer (which we already had) and the stamps. I made sure the invitations weren’t a weird shape or weight so that there wouldn’t be any extra cost in postage.
2.) Tables: The venue where the party was taking place didn’t have any tables for us to use. So that put me in quite the predicament. How was I supposed to get enough tables for 50 people and not have to spend anything? I looked into renting tables but quickly crossed that off my list as soon as I found out how much they were going to run. So instead I racked my brain for any “connections” that I had who could lend me the tables. Soon enough I had a person in mind and within a few e-mails back and forth I had my tables reserved for FREE. All that was needed was to go and pick them up and drop them back off after the event. Lucky for me they were within 15 minutes of the venue so it wasn’t a hassle at all.
3.) Centerpieces: I am very big on centerpieces. I think that any nice occasion where people will be eating needs to have a nice centerpiece on the table. I did some searching around in a few craft stores to try to find a nice holiday centerpiece that wouldn’t break the bank. Unfortunately, my efforts didn’t pay off much in this area other than to realize I needed a plan B. They were going to be way too expensive to get something that didn’t look cheap. The solution? Calling up some more of my connections. My cousin had a beautiful Christmas wedding last year and she had some amazing centerpieces. I called her mom up (figuring she was the one storing them) and was able to get a hold of exactly what I needed. Again for FREE!

4.) Decorations: This one goes along with the one up above. I was able to use other decorations from my cousin’s wedding to add the finishing touches to our space. Also, an unexpected bonus was that the room we were in was already beautifully decorated for Christmas. We majorly lucked out in that everything matched well and was a great addition to what I had already borrowed. This again didn’t cost me a thing but made a world of difference to the look and feel of the room.

5.) Food: For 50 people this could have been outrageous. We could have hired a caterer, which did cross my mind because of the number of people. But once that dream passed I was able to think more realistically. Since it was a party for a family member, it seemed like an obvious choice to ask some other family members if they wouldn’t mind getting involved. I made up a menu and ask one of my aunts if she would mind picking one thing off the list to make. She ended up picking out two different items which helped out a lot. Now, she did not have to pay for the food herself but just the fact that we made all the food ourselves saved us the money from having to hire out the service.
6.) Location: I decided on having the party at my church. It’s a fairly new building and they built a gorgeous fireplace inside that I knew would work with the kind of setting I was going for. I assumed there would be a small fee but not nearly as much as renting out a conventional space. It turned out that the church decided not to charge us at all, so the use of the building was free as well. (Just a side note: if someone has done a favor like that for you, like our church did for us, it’s always nice to still give them something even if it’s just a thank you card.)

As you can see from the list above, I did my homework and really tried to get the best deal possible. Because of the extra time and effort I put in, I was able to get a significant amount of items for free that really helped out the bottom line. If you have a party coming up, do some research and go the extra mile so you don’t go into debt over something that should be enjoyable. Also, catch tomorrow’s article where I will give more tips on how to plan your own party on a budget.

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Do You Give?

New Delhi Family
Image by Stuck in Customs via Flickr

Lindsay and I are firm believers that we need to give (return). And we do this by with holding 10% of each pay and keeping it set aside to drop in the offering plate on Sunday, buy food for a food drive, get blankets for a family that needs them, or send it to an organization whose purpose we believe in. We do this willingly and I strongly encourage you to do the same.

Why, you ask? Well to be perfectly honest, the money you have is not REALLY yours anyways, so in a sense you are actually RETURNING it when you give it to someone else. The money you earn is given to you, so you then need to give; 10% is a good place to start, and start now. Give of your money and know that you are helping those who need to be helped, and you are touching people that you would not otherwise touch. This is  a good and healthy thing for you to do.

The money is not yours. Get that attitude now and you will GLADLY give and will WANT to give because you will learn what the power of GIVING is.

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Christmas Traditions

I’m sure everyone will agree with me when I say that Christmas may be a little different for most people. The economy has definitely diminished since this time last year and it is showing its effects more and more every day. The more I read other blogs and news articles on the slow economy the more I wonder how Christmas day will change for people. In reading up on the topic I’ve been noticing that people are really concerned about buying gifts for other people. Not that they can’t afford to buy anything, but that they are worried their gifts won’t be received well. Why? Because they aren’t able to spend the same amount of money on each person as they have in the past. This is where this article comes in.

First I want to make the point that it is OK to only spend what you can afford. There is no reason to put your finances in jeopardy because you are worried what other people will think. More times than not, those people will be doing the same thing. Almost everyone will be in the same situation as you are so there shouldn’t be any problem. If you are still concerned then breach the subject openly and honestly with your family. Tell them that because of the economic situation (or whatever your specific situation is) you will not be able to spend as much on each person. Maybe you will realize that everyone else was thinking the same thing but didn’t have the nerve to say anything. Hopefully everyone will understand and be receptive. If after talking to them, it seems that everyone is in the same boat, suggest doing Secret Santa for one person. Everyone can pick just one family member out of a hat and you’ll be responsible for the name you get. That way everyone will be getting a gift but you’re not responsible for buying for everyone. This is also a fun activity on Christmas morning as well to find out you had your name.

Secondly, instead of worrying about your own family and what you can afford, put a positive spin on this Christmas. What are your family’s Christmas traditions that mean the most? Do you always drive around looking at Christmas lights each year? Do you read the Christmas story before bed? Do you make a huge breakfast Christmas morning? Whatever it is that you do, focus on making that time special with your family. Let each family member say what it is that they enjoy doing each holiday season and try to do what they want. You may be surprised to find out that their favorite part is simply decorating the tree, or eating cookies and hot chocolate. Those are the things that you want to focus on this Christmas. You may even discover that this will be your most memorable year yet.

Lastly, don’t be the scrooge. Don’t have a popularity contest with your extended family or even feel guilty about the gifts you gave. Christmas is time with your family. It should be a fun, enjoyable, and memory-filled day. The best memory I have about Christmas growing up has absolutely nothing to do with Christmas gifts. Each Christmas Eve after our church’s service my family would go home and change into our pajamas and slippers. We would grab our pillows and blankets if we wanted to as well. Then we would pile back into the car and drive around looking at Christmas lights in different neighborhoods. We would have Christmas music playing and talk about all the cool houses we saw that were decked out for the holiday. More times than not, my sister and I would be fast asleep before we even made it back to the house. It is such a fond memory I have that I will always remember and can repeat in the future with our children.

Make this Christmas a time focused on family and tradition. If you have special Christmas traditions or memories from growing up share them with us. I would love to here how other families spend their holidays.

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Free Christmas Activity at Bass Pro Shops

Bass Pro Shops
Image via Wikipedia

Now through December 24th your local Bass Pro Shop is holding their very own Santa’s Wonderland! That’s right, grab the kids, little brothers or sisters, even your niece (which we did) or nephew and head down to Bass Pro Shop.

The lineup of free activities includes:

  • Free picture with Santa
  • Red Ryder Laser Arcade
  • Play with RC cars
  • Watch the running model trains
  • Color Santa’s Workshop coloring pages
  • Make ornaments to take home and hang on your tree

The folks at Bass Pro really did a great job with going all out on the decorations and set up of the “Wonderland”. All of the activities are of excellent quality and are an excellent memory maker for your kids!

Like I mentioned above, Lindsay and I took our five year old niece to our local Bass Pro Shop and spent two hours with her in the Wonderland. First stop was getting her picture with Santa, his beard was real and she even got a free picture to take home to show her mom. Next we colored Wonderland pictures, made ornaments, and even wrote a letter to Santa, which she mailed using the mailbox they have right there!

Our niece had a great time and we made an awesome memory with her. All of the activities are FREE and you will have just as much fun as your little ones!

Here are some pictures from our trip:

So before time runs out, head over to your local Bass Pro Shop for a fun FREE activity the whole family with enjoy!!

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Don't Go To The Movie Theater

First, I want to say that I am not at all against the business that Hollywood has. I am an avid movie fan and absolutely love to watch movies and may sometimes borderline become obsessive with them. With that out of the way, let’s get on with it.

About a month or so ago, Lindsay and I decided that we wanted to get out. Go grab some pizza and see a movie. It had probably been six months or so since we had stepped foot in a theater so we were almost craving it. We checked what movies were out and decided on one that had good show times.

We came out of the theater irritated. Not at Hollywood for producing such a stupid film, but for actually GOING TO THE MOVIES!!

Here’s the breakdown: it was $18.00 for two adults.

That is 18 movies at Redbox if you want them. That is 3 at a time from Netflix for a month. That is $18.00. If you are thinking about going to see a movie this weekend, don’t do it. Just scratch that plan all together. Stay in, or go to a friends house, and rent a movie instead. Or get one from Netflix. Either way, I don’t care what you do, just don’t waste your money at the movie theater.

Not only do they rake you over the coals just to sit in the theater seats, if you want a drink and popcorn, you know, AN AMERICAN TRADITION, you have to shell out another $10 or so.

In all seriousness though, going to the movie theater is a huge waste of money. Wait for the movie you want to see to be available at Blockbuster, Redbox, or Netflix. It is worth the wait, I promise.

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Fun Fall Activities

I love this time of year. The way the leaves change to beautiful reds, oranges, and yellows. The way the mountains look when it’s a canvas of amber hues. You can almost smell the chill of Fall in the air that is only present at this time. Fall is a wonderful time to be outside and enjoy the beauty that surrounds you. There are so many great activities to do outside during this season and inside as well. Here are some suggestions that if done right, won’t have to cost much at all:

1.) Go to a Pumpkin Fest or Apple Festival: I’ve noticed this year that the festivals in the area are starting to charge for parking and admissions so be careful when you are deciding which one to go to. Look into where you want to go ahead of time and see if there are any fees to get in. If there are, ask around and see if there are any other events that are similar that don’t cost anything. When Aaron and I were looking into going to an Apple Festival this year we found out that they were charging $8 to “get in”. (I put the quotes because it is an outdoor venue. We are basically paying to walk on the property.) We decided that we weren’t willing to pay the fee and opted out this year. There were plenty of other options in the area that weren’t charging though, so if we change our mind we will most certainly have more to choose from.

2.) Have your own Fall Festival: Who says you have to go out to have fun? I’ve been to little Fall gatherings before and loved them. It’s great being with friends and it doesn’t have to cost much at all. Have people bring their favorite Fall treat like apple pie, pumpkin pie, apple fritters, apple cider, caramel apples, etc. If each person brought an item there would be more than enough food for everyone. Don’t feel obligated to serve a meal either. Have it closer to the evening and everyone can just munch on all the sweet treats. Have a large bucket of apples and water for the children to bob for apples. Maybe a few other small games and you’ll be good to go. It’s relatively stress free and there’s very little cost to you.

3.) Carve Pumpkins: I love doing this activity. My husband and I actually used to do this when we were in college together. We would go to the local Wal-Mart and pick out two large pumpkins then bring them back to campus to carve out. We weren’t exactly the best pumpkin carvers out there but it was fun. The apartment where I stayed at on campus had steps outside the door where all the students would show off their “masterpieces”. It was always very festive looking.

4.) Hay Ride: There are normally a good amount of hay rides to choose from throughout the season and they are relatively inexpensive. Sometimes church groups will sponsor hay rides for free too. Look in your local newspaper to see what activities are going on in your area.

5.) Haunted houses/ hay rides: I really don’t have too much to say on this because I absolutely hate to be scared. But for those of you who get some sort of enjoyment out of it, go for it! I know that they two main ones going on in our area now are pretty expensive; up to $25 per person.

6.) Flag Football: Get a group of friends together and enjoy the outdoors! You could easily go to a local park and use their facilities or any other field that is available in your area.

7.) Go for a walk/hike: Enjoy the scenery and explore! Fall is such a beautiful season, it’s a waste to spend all your time indoors. Yes, it’s chilly out there but if you’re hiking, you’ll warm up in no time. Find a state park near you and go exploring!

8.) Brew your own beer: This one is a lot more complicated and we’ve never tried it, BUT we have friends who use Fall to brew some tasty beers. There are great seasonal beers you can get at the bars but how much more fun would it be to try to tackle it on your own?!

Hopefully, you can find something fun from our list to do this season. If you have your own Fall tradition, let me know in the comments below.

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Halloween Wrap Up

Over the last month we have been gearing up for the fun, filled activity of trick-or-treat. Here’s a little bit of what we have gone over:

Feeding the Hungry:

If you start the hunt now you’ll have greater chances of scoring a really good deal on a bunch of candy. As the day gets closer there will be more and more advertisements for candy. Look at your local fliers and search for the best deal. One big key for saving money is to know your neighborhood. How many kids are you expecting? It is so easy to over buy for Halloween. Nobody wants to run out of candy but I would honestly prefer that over having 5 bags of candy that we never opened. I know some people would argue that you could just return the unused bags but what are the chances that you actually would? I know if we had extra bags of candy left over we would just end up consuming them ourselves. If you are new to the area, ask your neighbors. They will more than likely be able to give you a really good idea of about how many kids to expect. If you find out that children are bussed to your neighborhood from the city, then you really need a plan. If you know you will have to buy a large amount of candy, then think about going to a place like Costco or Sam’s Club. They will be stocked up as well and you’ll be buying in bulk which will save you a ton of money. If you don’t have a membership to one of those places, then ask around. Maybe there is someone that you know that has a membership and wouldn’t mind either taking you with them once or picking it up for you. It never hurts to ask.

Dress the Part:
In this article I gave you 8 different suggestions for scoring a great costume. They were as follows:
1. Hand-me-downs
2. Borrow
3. Second-hand Stores
4. Discount Stores
5. Sam’s Club/Costco
6. Make your own
7. Shop online
8. Buy a year in advance

I also just heard of another great suggestion that will probably be too late for this year but I’ll mention it anyways. Have a “costume swap” with your friends and family, especially if you all have little ones. Get together one evening and everyone brings in the costumes that their children have worn previous years but don’t fit in anymore. Everyone has a chance to pick from the costumes and hopefully will be able to find a perfect fit for their little one with spending no money at all.

Alternative Activities:

Not everyone believes in celebrating Halloween or thinks that it is a safe holiday anymore. Because of that I wrote a whole article on other fun activities to do on Halloween instead. Here are some examples:

1. Go to Chuck-E-Cheese
2. Carve Pumpkins
3. Go to a Fall Festival
4. Have a Fall Party
5. Hand out Candy
6. Have a Game Night
7. Decorative Cookies

Hopefully these suggestions were helpful to you as you get ready for the big day. The goal is to plan ahead so that you have time to shop around and are free from the last minutes stresses. HAPPY HALLOWEEN!

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