
Since the sad-state of our national economy has been a hot topic in the news lately I've become amazed at the number of people who haven't a clue how to conserve money and live modestly. I feel as though I can speak with some authority on this issue because I have two, not one, but two family members who recently had their homes repossessed by their mortgage holders.
These family members lived above their means and have paid dearly for it. They'll be the first to tell you that they got into this mess by expecting instant gratification for their desires and by using credit to quench those desires.
I do not claim to be a financial whiz nor do Jeff and I live without credit cards; however, we've learned over the years to buy wisely, save for the things we want and really think about purchases before we make them. As an example, I have agonized for weeks about buying new cookware. The two big skillets I have, which are the ones I use most often, are in pitiful shape. The non-stick coating has peeled terribly on both of them and I recall reading somewhere that's it's not safe to continue using them when this happens.
However, because both skillets still work, the practical side of me can't bear to spend money on new ones. I finally have come to the conclusion that I need to get new skillets, but I don't plan to pay retail for any I get. I am not a big shopper unless I am on a mission and them I am like a tiger stalking her prey. Two of my favorite stores for finding good quality products at reduced prices are Unclaimed Baggage and Tuesday Morning.
Additionally, I am not afraid to admit that I buy a lot of my kids clothes at Unclaimed Baggage as well as from ebay, Goodwill, the Salvation Army, Target and Wal-Mart. I have gotten some amazing deals, such as a Polo dress that retails for $50 for $5 at the Salvation Army, a Janie and Jack one-piece outfit that sells new for $65 for $8 at Goodwill, a Bailey Boys dress that would have cost $50 at a boutique for $15 on ebay and a Petit Ami dress from the Salvation Army for $4 that would have easily cost $80 had I bought it new.
I try to buy quality pieces for Amelia that will hold up well through her wearing them as well as her sister, who will be decked out in hand-me-downs for years. Sometimes I buy pieces from The Children's Place or Gymboree, both of which can be pricey, but I never pay full price. I wait for the items to go on sale then purchase them using coupons I periodically receive in the mail.
Another way we are a thrifty family is that I cook almost every night. I always try to cook something that will produce enough leftovers for at least two lunches. I have a cache of recipes that I use over and over, like chicken casserole, beef stroganoff, stir-fry, vegetable soup, various pasta dishes and chili. However, I am always on the lookout for new recipes that are easy and fit into the kind of things we like.
Additionally, I prepare big batches of spaghetti sauce and soups so I can freeze them. I am working on preparing casseroles that I can freeze to have on hand for those nights when I don't feel like cooking or am unable to for whatever reason.
Jeff grew up with a mom who worked diligently to stretch her dollars. She was, and still is, the kind of mom who saved bread bags, twist ties, butter bowls and sour cream dishes. She never let anything go to waste. If all three of her boys had worn and outgrown a shirt, she didn't throw it away or donate it - she turned it into a dust rag.
Because of this upbringing Jeff is very thrifty. I, on the other hand, grew up as an only child who was somewhat indulged. I learned after becoming an adult that indulging me came with a price for my mom who found herself deep in debt and was forced to declare bankruptcy. When I was 22, momma was forced to sell my childhood home at a loss to keep the bank from foreclosing. Momma never got over the feeling of helplessness she felt during this time in her life, and I had to learn a very hard lesson about spending more than you earn.
Jeff and I and our girls live a comfortable life. There are things we want: new carpet and flooring, a cover for our deck, a small vacation; but none of these things are really immediate needs therefore we can take our time and shop for the best deal. In the long run, I feel we are a closer family because we try to live practically, enjoy the things we have and save for the things we want. I also believe our girls will learn good lessons by observing how we live and learning that they do not get everything they want, but they will never want for anything they need.

