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Monday, February 3, 2014

I'm Participating! February Family Financial Challenge #PGMom #SavingMadeSimple

Are you up for a financial challenge during the month of February?  Am I?

Getting our family budget under control is something I've been wanting to tackle for quite some time, but have always felt overwhelmed about.  Our family is on a tight budget, we just don't have much extra once all of our bills are paid.   Life is expensive and it's time to get real!

My Background

Almost eight years ago, we were thrown into financial chaos, which we've yet to recover.

Preparing for the unexpected is key.  I haven't been able to work since 2006, due to an injury which is considered permanent.  We were a two income family and we had plans.  We were going to move from our little bungalow to a larger family home with a nice yard, we wanted to take our kids on vacations and most importantly, we wanted to save for our children's educations.  Instead, we've found ourselves struggling and limping along.  Trust me - if I could work, I would.  I hate this way of living.   But - it is what it is.  We need to find a way to make the most of our situation and I think it has to begin with acceptance.  Acceptance that we have to not just survive on our income - we also need to thrive.

It's our time to thrive.  

Join me by participating in a Family Financial Challenge

I'm not going to pretend that I'm not nervous about the challenge.   However,  I am excited to see what I can learn and how it can be applied to our family.   It may not all work for our situation, but that is okay.  Something is better than nothing!

It all begins with getting to know Gail Vaz-Oxlade and using dependable products within our homes.   I am a real believer in the old saying of - you get way you pay for. 

photo source:  Gail Vaz Oxlade (facebook)
Each week throughout the month of February I'll be sharing ways which my family is saving money and making smart financial decisions.   Saving money is about discipline and making your money work for you.

Weekly Challenges

Each week, join me in tackling the challenges.
  • Week one: Cash, Cash, Cash
  • Week two: Food
  • Week three: Family
  • Week four: Clothing
I would love to hear how you save money in each of the four challenge areas.  I'll be sharing any tips or tricks which I learn, throughout the month.

Twitter Party

Gail will be participating in a twitter party with Chatelaine coming up on February 6th, from 7pm - 9 pm (EST)    Join in the conversation and be sure to ask any financial question you may have.

Follow:  @GailVazOxlade, @Chatelaine and use #SavingMadeSimple

It's going to be an exciting month tackling the financial challenge.  I'm really eager to see the outcome!  I hope you'll consider coming along with me and taking the challenge yourself.  Visit My Money My Choice to get started and be sure to jump in the conversation throughout the month using #SavingMadeSimple. 




Disclosure: I am a P&Gmom/mamanP&G. As part of my affiliation with this group I receive products and special access to P&G events and opportunities.

28 comments:

Sheri said...

We can talk each other through this! Maybe we can get together for lunch at my house, instead of going out!

Stephanie LaPlante said...

We're in a financial hole right now. To many tragedies at once but now we're trying to climb out.

Amy Lovell said...

were super tight o money riht now, and iv got my daughtr starting a unform school this year/ LOL

Francine Allain said...

we try to be smart with out money. I am a stay at home mom and we use cash and coupons as much as possible.

Debbie said...

The credit cards are put away and collecting dust. I use coupons, and really did a severe audit on our expenses.
(Debbie W)

christina s said...

what a great idea

Kristine Ewald said...

We are digging out of debt right now

sensfan4eva said...

great ideas!

Darlene Schuller said...

We price match, cut coupons, print them, have them sent to our home. I don't think some realize how much a family could save using these things on a regular basis.

Thanks for the great post!

flowerchild said...

I cannot stand being in debt. We try to make due with the income we have coming in

Flo said...

We buy only what we need not want. I use coupons and check the flyers each week for the best food deals on healthy choices and plan meals around it.

Florence C

Heidi Carlson-Reid said...

We are trying to be more fiscally responsible this year. The bloggers who took on the financial challenges in February provided a lot of useful advice.

Karen Hill said...

The economy, choice of jobs and pay are in the tubes right now.I know I made more 10 years ago

fredamans said...

This would be a great challenge for any month of the year. :-)

Susan T. said...

I am a terrible at budgeting but I am really good about shopping sales and using coupons.

grammy65 said...

my financial situation is too long to explain.ive never been a spender.never had much money to.i don't shop for clothing.i can make do for years with a few pieces.together me and my husband own 3 outfits each.we don't go out and we don't order in any food.i have not bought anything new for years.yes my husband works and im unemployed right now.will be going back to work soon.but partime work only.we don't have credit cards.never have.i know how to make do.still cant save a peeny.there is no pennies left to save.

grammy65 said...

my financial situation is too long to explain.ive never been a spender.never had much money to.i don't shop for clothing.i can make do for years with a few pieces.together me and my husband own 3 outfits each.we don't go out and we don't order in any food.i have not bought anything new for years.yes my husband works and im unemployed right now.will be going back to work soon.but partime work only.we don't have credit cards.never have.i know how to make do.still cant save a peeny.there is no pennies left to save.

Anna .w said...

Having any kind of debt really bothers me, every month I know what I can spend on food, gas, etc. I put everything on my credit card and then when that bill comes I can see everything in one place and I pay it off right away and end up making an extra $20 in points that I can save if we get in to any financial troubles.

sensfan4eva said...

great ideas! Its so easy to put yourself in debt but so much harder to pull out of it. These are very good tips

Amy Brown said...

Thanks for the info, I'm having a budget crisis this month so it's forcing me to cut way back on everything. I don't mind though because it is reminding me that I usually overspend and when times are not tight I forget myself an splurge. It is a good reminder that I am capable of doing more with less. I have gone back to the "cheaper" grocery store and it is a LOT cheaper. I will try to keep up my frugal habits in the coming months when thing become easier so that I won't have to scrimp so bad the next time I am in a crunch! I will review your weekly challenges to get some tips.

Glogirl said...

That's great that you're taking this challenge! I know growing up we survived on a one income and things were tough. We went without a lot of the extras in life but always had what we really needed.

Brandee H said...

I love Gail!! She says the honest truth. I am also trying to live on cash. It makes it much easier to see where your money goes!!!

Victoria S said...

Sounds like a great, worthwhile challenge! Hope you get out of this what you are looking for! Victoria Ess

Jeannie Lam said...

This was a great challenge you were part of. I know debt is a big challenge for a lot of us. We have made budgeting a big resolution for us this year.

Josh Siemens said...

This is a great idea. I like this challenge.

Annie1 said...

Great information! We are always looking for a cheaper way to do things! I think this challenge will be very educational for some and for others its just a way of life.
RAFFLECOPTER NAME is Anne Taylor

Fan R. said...

Congratulation on your success in financial challenges, it was good read of all the posts.

Tanis S said...

Awesome challenges! We need to do something like this!