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Frugal Moms Living Well for Less

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Exiting off the Fastlane by Cheryl Gochnauer

chores I used to perform as the rest of the family slept are now done during normal working hours. I schedule my duties to fit my family's timetable. I like being able to focus on doing this one full-time job well. The hours are great, it pays terrific personal dividends, and my co-workers love me.

It's 10 p.m. Do you know where your mother is?

If she's a working mom, she's probably transferring the last load of freshly washed clothes to the dryer. Or cleaning up crusty dishes in the kitchen. Or balancing the checkbook in the den. If it's been an especially tough week, she might even be at the grocery store, shushing an irritable toddler as she trudges down Aisle 4 in search of tomorrow's sack lunch for the kids.

It's tough having two full-time jobs, one inside, and the other outside, the home. There just don't seem to be enough hours in the day, especially when you want to give the best to both your family and your employer. But that's life in the 90s. You need two incomes just to get by. At least, that's what I used to think.

Then came the day when both my daughter and my boss needed me. Now. Stuck between the proverbial rock and hard spot, I went with my maternal instincts. My boss hit the roof, I wore out a box of tissues, and my husband swore he'd find a way to let me stay home with the kids, even if it took two years to get us out of debt.

It took this crisis to motivate me to sort out our haphazard accounting system, which basically consisted of all those bills, pay stubs and little slips of paper stashed throughout the house. The dream of being able to become a stay-at-home mom someday spurred me on as I took stock of our finances.

As I carefully examined each piece of the puzzle, an unexpected image took shape before my eyes. “This can't be right.” But it was true. After childcare, car payments, taxes and lunches out, I was clearing $39 a week. No way! I checked it again. The result was the same. I had been unknowingly trading my dream of staying home for less than a dollar an hour.

We sold our cars and picked up two older models we could buy for cash. When I quit my job, we dropped into a lower tax bracket and got to keep more of my husband's paycheck. The occasional lunch out was now a treat, planned for and savored – but not missed when compared with daily lunch dates with my girls. And, of course, the weight of daycare expenses disappeared completely.

I stepped into a simpler, freer lifestyle made possible by 40 extra hours a week – actually, 50 extra hours when you consider prep and travel time to and from work. You've heard of quality time? The chances of latching onto those elusive slivers with my children increased dramatically, once I was more available to them.

Chores I used to perform as the rest of the family slept are now done during normal working hours. I schedule my duties to fit my family's timetable.

I like being able to focus on doing this one full-time job well. The hours are great, it pays terrific personal dividends, and my co-workers love me.

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About Mommysavers

Kimberly Danger established Mommysavers.com in March 2000 as a way to channel her creative energy while raising her kids. Initially an online discussion board, the website evolved into a comprehensive platform offering money-saving tips, deals and budget-friendly recipes and tips for frugal moms. Read More…

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Helping families live well for less 💰money saving tips 🥘 budget-friendly recipes 💵 frugal living

Kimberly Danger


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Healthy eating doesn't have to be expensive or time-consuming! Join the recipe group here: https://www.facebook.com/groups/cleaneatingfixrecipes to find the recipes to go along with this menu plan!

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Dessert: Baked Apples


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🌟 Are you tired of struggling to save money? 💸💔 Don't worry, we've got you covered! This blog post reveals the simplicity of the $5 Savings Plan, and you won't believe the results! 😱💥

👉 Learn how brensmom saved $700 in change and turned it into a memorable Christmas! 🎄🎁 Discover the competitive journey of 55quiltlady and her BFF, who fund their annual quilting adventures effortlessly! 🧵💃 Find out how allemee77's daily $5 contribution can accumulate to an astonishing $32,850 by the time her daughter reaches college! 🎓💒

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Click the link below to read the full blog post and be prepared to be amazed! ✨✨

👉https://mommysavers.com/5-savings-plan/

💬 Tell us in the comments: What's your favorite money-saving tip? Have you tried the $5 Savings Plan? Share your thoughts and experiences with us! 🤔💬

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Instagram post 18284423317140395

Happy Mother’s Day!
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NOVEMBER = THANKSGIVING

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Why not make it a practice to express gratitude daily, not just on Thanksgiving?  What we focus on expands.  It's so easy to see all the negativity in the world, especially online. Is anyone interested in joining me for a daily gratitude photo challenge?  If we focus on the little things that we are grateful for, our whole world changes. The blog post about it and.pdf of the checklist are on mommysavers.com .
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Spider cookies with @wiltoncakes candy eyes 👀 🕷 -Instructions on Mommysavers.com

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