Saving Money in the New Year

person holding coin

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OK, so I am not officially back blogging yet, but I did want to take a moment to announce that for the month of January and, stretching through February 3rd, I have lowered the price of my book, Frugal Seeds 501 Ways to Make, Save or Stretch a Dollar, in both print and ebook form.

This book shares many of the ways that my family of 6 used to pay off all of our medical and consumer debt and ways we continue to use as we work to pay off our mortgage.

The book can be viewed here and, as always can be read for FREE with KindleUnlimited.

I look forward to seeing everyone again in February!

frugal seeds

 

 

person holding a green plant

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The title of my blog gives away the fact that I live with at least one chronic illness.  Now, I don’t want to brag, but I actually live with several, and as interesting as it sounds, it is not a whole lot of fun.  Unfortunately I am not the only one in my family who lives with such a burden.  Every person in my immediate family lives with at least one chronic illness.

As a result of all of our medical bills, we have learned to live on a tight budget.  Over the years I have had to learn to be frugal and about 6 months ago I decided to put some of  my frugal ways into a book,  Frugal Seeds: 501 Ways to Make, Save or Stretch a Dollar.  It is now available in both paperback and e-book on Amazon.  The entire book can be read for FREE with an Amazon Kindle Unlimited membership.

You will notice it is written under a pen name.  This has been done as I working on additional books and I am determined to keep the lives of my children private.  Thank you for understanding.

 

 

free budgeting apps

money coins cash currency

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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

 

bookcase books bookshelves hallway

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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….

learning for free

person using macbook pro on brown wooden desk

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Being chronically ill I spend a lot of time in bed or resting on the sofa.  If you are anything like me you have also accomplished two things through rest: One,  found the end of the internet, and two, watched more Netflix then you ever thought possible.

There are moments during my day when I feel as if I am wasting my time just watching tv.  Granted, there are days that I am doing my best just to focus on a show, but other days I know I could push myself to do a bit more.  So, I started brain storming ways I could use this time to expand my horizons beyond the four walls of my home.  So I started researching things I could reasonably do from home on a (very small) budget.

I first compiled a list of sites that offer free books so I could spend more time reading with no extra cost to me, unless I needed to print the book out for easier viewing.  Still a huge bargain on my part  (and no late fees from the library).

I then thought about taking a class as I have always loved to learn.  But, at this time in my life I am not able to consistently attend a class in a college setting.  So, I started searching for on-line classes and found that there are TONS of free college and continuing education classes available at our fingertips.  Below is a list of places that offer free classes to anyone willing to sign-up.

Happy learning!

 

https://www.coursera.org/

https://www.khanacademy.org/

http://www.openculture.com/freeonlinecourses

https://www.edx.org/

http://academicearth.org/

https://alison.com/

https://www.class-central.com/university/stanford

https://www.edx.org/school/harvardx

https://oyc.yale.edu/

https://www.class-central.com/university/berkeley

http://oli.cmu.edu/learn-with-oli/see-all-oli-courses

https://ocw.mit.edu/about/

https://www.codecademy.com/

https://www.memrise.com/

https://mises.org/mises-academy

https://courses.fee.org/collections

https://christianuniversity.org/courses/api/grid/post_type/courses/sort%5Bcourse_number%5D/ASC/

https://www.open2study.com/

http://oedb.org/open/

http://mooc.org/

https://www.futurelearn.com/

https://thegymnasium.com/

https://www.saylor.org/about/

http://www.bolc.co.uk/free-online-courses-with-certificate

 

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