Celebrating the Holy Days on a Budget

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“Creating the best memories requires no money.”

~ Charlie Lee Austin

 

It is that beautiful time of year again when we celebrate Advent, the time we prepare our hearts and minds for the birth of Jesus.

Raising a family of 6 on a budget, I understand the stress that Christmas can create, a time when we feel the need to overdo everything, gifts, parties, meals, decorations…….but all of this costs money and can distract from the real reason of the season.

I have written a book that lists many of the ways my family has celebrated the hoidays while living on a tight budget –  Frugal Seeds 101 Ways to Celebrate the Holiday Season on a Budget.  It can be read FREE with KindleUnlimited and is available on Amazon in e-book and  paperback.

I would be humbled if you would take a moment to check it out, thank you.

 

~ Wishing all of you a very blessed Advent Season.

 

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Celebrating the True Meaning of Christmas on a budget

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The Holidays, even if you budget for them, have a way of putting a strain on your wallet.  While my kids were younger,  I worked very hard to make sure they didn’t notice our limited budget by keeping Christmas a fun and active time while remaining focused on the true meaning of this holy season.

In my latest book, Frugal Seeds Christmas Edition: 101 Ways to Celebrate the Holidays on a Budget, I share many of the ways we celebrated the Christmas season while keeping our focus on the reason for the season.

I would be greatly humbled if you would take a moment to check it out.  It is now available on Amazon in paperback and e-book and can be read FREE on KindleUnlimited.  Thank you.

FrugalSeedsChristmasCover

 

“I will honour Christmas in my heart, and try to keep it all year.”

Charles Dickens, A Christmas Carol

 

 

 

 

 

 

 

 

 

summer fun with kids

action beach boy child

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As many of you know I have written a book call Frugal Seeds  Summer Edition:  101 Ways to Enjoy Summer with Your Kids for Little Money.

This is can be read FREE at Amazon with KindleUnlimited or you can purchase the e-book for 99 cents.

From my family to yours……….wishing you a summer filled with blessed memories.

“Summer time is the best of what might be.” ~ Charles Bowden

 

free budgeting apps

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“A budget is telling your money where to go instead of wondering where it went.” — Dave Ramsey, financial radio host and best-selling author.

 

Everyone can benefit from budgeting his/her money, but having a chronic illness makes your financial life more complicated…….every dollar ( at least in my situation ) must be stretched in order to be able pay all the medical bills and their bill friends that come along for the ride!

Below are links to free budgeting apps, each a little different, so you should be able to find one that fits your specific needs.

 

mint

goodbudget

wally.me

everydollar

nerdwallet

pocketguard

dollarbird

honeyfi

claritymoney

fudget

spendee

expense-iq

“Beware of little expenses: a small leak can sink a great ship.” — Benjamin Franklin, one of the Founding Fathers, inventor, diplomat, and the author of The Way to Wealth

~ wendi, under the pen name Charlie, is the author of Frugal Seeds:  501 Ways to Make, Save, or Stretch a Dollar

resources available from a small town library

 

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Here is a list of FREE things currently available from my Midwest small town library.  I have wanted to do a post on all the free stuff that is available to you at your local library as I believe it is an underutilized community resource, especially for those of us living on a limited budget.  Although I knew my small library had a lot to offer, doing research for this blog, I discovered even more resources……….so I encourage you to check out what your local library has to offer you!

FREE resources:

Museum passes

Books

DVDs

CDs

Audiobooks

Magazines

Newspapers

Free rooms that you can reserve for studying or meetings (has computer, white board, and markers)

WiFi

Charging stations for electronics

Links to two local newspapers through their website

E-books

Hoopla – movie, documentaries, TV shows, audiobooks, comic books and ebooks

Play-a-ways

Xbox & Wii games

Portable internet tablets that can checked out and used inside library

Faxing

Notary Public

Cynoculars – can be checked out for home use

Portable recharger – can be checked out for home use

WiFi hotspot – to check out for home use

Computer Lab

Monthly book club – adults

Monthly book club – homeschool grade school

Needle art group

Knitting group

Crocheting group

Ukulele classes

Paws to read – kids read to therapy dogs to increase reading skills

Story time for babies

Story time for toddlers

Saturday  crafternoons  – drop in crafts for school aged kids

Weekly teen classes

OverDrive – audiobook and book downloads

My  library rewards – receive points for checking out items and earn free food, classes and museum passes from the surrounding communities

RB digital – free e-magazines

Tumble book of the day – animated audio kids’ books

eSebco database – digital nonfiction childrens’ books

MyON books – digital childrens’ books

Exam proctoring

Genealogy room – Librarian to assist with your research needs

Childrens’ area – w/books, tables, computers and lego play area

Teen area – booths, tables, books, board games, coloring sheets

Inter-library loans

Bookmarks

Community events information

Paper recycling

Please take some time to see what your library has to offer you……..

~ wendi, under the pen name Charlie, is the author of The Frugal Seeds: 501 Ways to Save, Stretch or Make a Dollar.

 

 

 

Until next time….

Free Reading Sites

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Those of us who are chronically ill tend to spend our free time participating in less physical activities such as reading.  Since most of us are on a budget due to those endless medical bills, I have done my best to compile a list of websites that offers free reading material.  It is my hope that this list will be beneficial to even the biggest bibliophile.  Happy exploring!

 

https://www.goodreads.com/shelf/show/free-online

http://en.childrenslibrary.org/

http://rivetedlit.com/

http://www.readprint.com/

http://www.gutenberg.org/wiki/Main_Page

https://www.wattpad.com/

https://www.fanfiction.net/

https://www.bookrix.com/books.html

http://www.read.gov/books/

https://en.wikisource.org/wiki/Main_Page

http://www.openculture.com/free_ebooks

http://manybooks.net/

http://www.online-literature.com/author_index.php

http://freecomputerbooks.com/

https://librivox.org/

http://www.authorama.com/

https://archive.org/details/texts

https://www.questia.com/library/free-books

https://en.wikibooks.org/wiki/Main_Page

http://www.bibliomania.com/

https://openlibrary.org/

http://www.sacred-texts.com/

https://www.free-ebooks.net/

http://digital.library.upenn.edu/books/

https://www.smashwords.com/books/category/1/newest/0/free/any

https://mises.org/wire/ten-books-read-free

https://fee.org/books

wendi, under the pen name Charlie, is the author of Frugal Seeds: 101 Ways to Make, Save or Stretch a Dollar.  I would appreciate you taking a moment to check it out.  Thank you.

The Complete Tightwad Gazette: my favorite book for money saving tips

pink and white ceramic pig coin bank

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If you are anything like me, you need to watch your pennies.  My chronic illnesses have put an enormous of strain on our budget requiring me manage it closely.  As with de-cluttering books, I have read many (and I mean many) books on how to save money, budgeting and frugality.  Some of the books were a total waste of time, others have been very helpful, but the one that changed my life more than any other money saving book is, The Complete Tightwad Gazette by Amy Dacyczyn.

The Complete Tightwad Gazette is not a typical book that reads like a story, instead it is based on the subscription newsletters that Ms. Dacyczyn published from 1990 – 1996.  Therefore, the book is divided up into smaller articles ranging from………..should you let a bar of soap dry out before using it, how to make a volleyball net with plastic rings from a 6-pack, to a basic muffin recipe, and everything in between.  Because the newsletters were published in the 1990s many of the money saving tips are now outdated and no longer relevant.  Despite the book having some out dated money saving tips, I found it extremely useful.  I did read the entire book cover to cover, all 959 pages, and it was the only book I have read that encouraged me to start thinking of as many ways as possible I could save us money, how to creatively use up what we already have, and make the most out of every single penny.   No other book has pushed me past my comfort zone, to think creatively and encourage me to search for even the smallest ways to save…………hey, it all adds up!

Because this book has been so wildly popular you should be able to check it out from your local library.  If you cannot find the Complete Tightwad Gazette, you maybe able to find one of the first three volumes:  one, two and three………the later ones would probably be more beneficial.  I have seen copies of her books at Half Price Books and Goodwill.  In my very humble opinion, it is worth the time and effort to find a copy of her book.

 

~ wendi, under the pen name Charlie, is the author of Frugal Seeds:  501 Ways to Save, Make or Stretch a Dollar

 

 

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