Monday, October 20, 2008

Crunch Time!



This summer Dave and I made some decisions to whittle a few things down in regards to our budget. I realize we aren't the first to take these measures, but I also think sometimes it helps to know there are others out there feeling the crunch, too. Add to the mix two teenagers and a ten year old and you soon find your grocery budget that has worked for so long is no longer cutting it! So here are a couple of things we've done to make the ever-shrinking dollar go a little bit further...

First of all, with gas prices as crazy as they were up until a few weeks ago (So thankful for a little relief for the time being!) we consolidated as many trips as we could...common sense, not drastic. However, we did say no to a couple of local outings in order to save in our gas budget. Saying no to fun is not something we do well in the Kush home! But we're learning...

Next, after a lot of research, we dropped DirecTV. Yep, you read right! Just in time for football season (Dave was such a trooper)! Since August 1 we have been running purely off of an old fashioned antenna! With the lack of decent programming on the local networks we've experienced a huge decline in visual entertainment in our home! The thing I miss the most is the ability to record the few shows we do like and skip past the crazy commercials. We did get push-back from one child in particular, but she (a bit of a give-away if you know our family!) is adjusting and has a new-found favorite channel--Qubo, go figure! Another bonus...we've started a Monday night Bible study with the kids!

We've also buckled down on food consumption. I've always been a menu planner, but I've gotten more frugal in my meals. We are eating a lot more casseroles, soups and other one-dish meals...big money savers when you're feeding four adults and one growing adolescent! And eating out is a big no-no!

Another big change we made was losing our "land line". We've gone totally cellular. That, too, was an adjustment and required adding a line for Mollie (a bit of a trade off for her with losing satellite tv and all!). Honestly, I have not missed the grating ring of a cordless phone echoing through my house!

All in all, the timing was perfect. The savings on these items isn't huge, but every little bit helps during sad state of our country's economy. Oh yeah, and I can now brag that I don't have to endure an endless parade of political phone calls and television ads!

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Tuesday, September 30, 2008

Whatever happened to personal responsibility???



It's taken me some time to process through this whole Wallstreet/Banking crisis. However, after probing through a few commentaries on the issue, I've weighed the information and am pretty well settled on where I stand, I think. Lack of (maybe even non-existence of!) personal responsibility coupled with materialism led us to this place. The bail out is just that...a "get out of jail free" card granting freedom to those who don't deserve it. If passed, we, as taxpayers, will be paying for the crime of greed committed by a few CEO power-mongers. I'm not interested.

I came to this conclusion after reading a recent article (written before yesterday's vote) on Dave Ramsey's website . He does a great job of answering all your questions in layman's terms so I encourage you to click on the link and read it for yourself. It's brief, but enlightening. And even better....encouraging! Check it out.

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