Challenge #15: Company Ready

The concept for this challenge has been in my head for a while, and I'm guessing (based on other women I've talked to on the subject), just may have been a goal of yours that maybe you haven't yet consciously realized you had.

Be Company Ready

To me, that means the first floor of my house--mainly where company would be--is decluttered and clean enough that I feel comfortable having someone drop by on short notice, or even no notice at all.

Now, for years and years this has gone against my grain.  I did not want anyone just showing up on my doorstep.  No way.  I wanted at least a day's advance warning, and preferably a week's notice!  To have someone just pop on by, that was not fun, that was stressful, and I have enough stress in my life, thank you very much.

Honestly, it got to the point where I didn't really even want to let my kids have their friends over.  All four of my children knew that if, at the end of the school day, they said to me "Mom, can So-and-So come over (right now), his/her mom said it would be okay", the answer would automatically be no.  If you want to have someone over, or--horrors-- someone spend the night, you had to ask Mom at least 24 hours in advance.  No spur of the moment guests.

Why?  Because, deep down, I was afraid my house wasn't good enough, wasn't clean enough, for other people to see.  I knew that the elementary and middle school aged guests wouldn't care, but what if they went home and said something to their parents that would then lead those parents to think "Boy, I don't want my kid associating with those people at this little place here; they're slobs".

Some of this was totally in my head.  But some of it, on the level of 'this is the gateway drug to slovenliness' was true.  Clutter.  Shoes kicked off and left in the walkway repeatedly.  Coats that fell off the coat rack and weren't picked back up.  Dishes that maybe didn't get washed the night before and still covered the kitchen counter.  Stacks of papers in the living room.  Recycling bin overflowing and in need of taking to the recycling center.  Dust being a protective coating on nearly every horizontal surface.  The mudroom floor spotted with, well, mud.  The kitchen floor similarly spotted, but with drips and drops of juice, tomato sauce, ketchup, jelly, crumbs of a crushed pretzel, a stray chocolate chip under the edge of the refrigerator. . .

Pretty much how life is when you have a houseful of kids and live on a farm. But, unfortunately, not how most people view things.  To those with no children, or only a child or two, and not living on a farm, well, our house in it's normal state of affairs was a bit unkempt.  And when it became even less kempt from not being properly cleaned or things not put away for a day or two, well, it looked rather bad.

In all honesty, I go through times of falling down on my daily housekeeping responsibilities as the at home spouse.  It is easy to do when the gardening/canning season was in full swing.  Or winter storms mean animal/outdoor chores take two or three times as long.  Or I'm in full out "finishing this handmade gift" mode with a looming birthday or Christmas or other gift-giving occasion just a few days away.  And once I get far enough behind--say after a month straight of canning just about every day, it takes way more than an hour a day to get things set back to rights.  I'm thinking (okay, hoping) that most readers can relate.

So what I decided, was that I needed to set a standard I refer to as Company Ready, and make sure that the house is up to that standard all the time.  So that I could relax a bit, and welcome company rather than dread the thought of someone walking in my door before I'd had at least 10 waking hours to make things good and clean enough.

Here's my definition of Company Ready for this little place here:

Downstairs bathroom:

• toilet white inside (a daily swish with the toilet brush to prevent build up), 
• toilet paper roll on the toilet paper roll holder, 
• sink clean, 
• counter clutter free, 
• two dry hand towels neatly on the towel bar, 
• trash can never more than 1/2 full, 
• floor swept, 
• mirror spot-free.

Mudroom:

• floor swept, 
• mud washed off floor once a week (during muddy seasons), 
• shoes lined up along wall, 
• coats/jackets hung neatly, 
• bench free for sitting on (versus piled with off cast hats, gloves, backpacks, etc)

Kitchen:

• dishes washed and put away every night,
• counters wiped off nightly (no drips, crumbs, or dust!), 
• floor swept,  
• nothing not food related in the kitchen (ie no stacks of mail, kid's school notices, etc)
• floor mopped when it has more than a few drips on it

Dining Room (we eat all meals in the dining room, since our kitchen is all work space, not the eat-in kind with room for a table):

• floor swept
• table free of clutter
• table washed/wiped after every meal
• nothing not eating related on counter (one child has a bad habit of leaving her mail, phone, textbooks, binders bobby pins, earrings, etc, etc on the dining room counter.  For weeks or months if not hounded to remove them to the proper locations.)

Living room:

• dusted once a week (including tv screen and all photos/pictures on walls), 
• couch cushions and throw pillows aligned properly (NOT on floor!!),
• afghans folded neatly in half and draped over backs of couches, 
• end tables free of empty glasses (or beer cans/bottles!) and anything other than the TV remote or a coaster, 
• curtains tied back (for some reason, the inhabitants of this little place here--other than me, of course--like to close the curtains pretty much every day during sunny weather, and then not open them back up when they leave the room), 
• floor swept.

Front door area:

• no stacks of anything near door or in walkway from front door to living room
• floor swept
• bench by front door empty (for guests to sit down on and remove shoes)

This is my definition of Company Ready.  With those items checked off my list, I feel comfortable with the idea of having people visit at any time.  Which makes life a whole lot more enjoyable than constantly worrying about 'what if' and feeling like I am a horrible housekeeper.

If you have young children, you will need to decide what to do about toys--are they allowed in the living room where company would be sure to go?  Or are toys banned from the living room and have to be played with and stored in some other area of your home?  For me, since the occupants of this little place here don't play with those sorts of toys any longer, I don't have to worry about this on a day to day basis.

What I have established, however, for those times when we have company with small children, is my old wooden toy box in the living room as a sort of table to hold framed photos.  Inside the toy box is an assortment of  toys that I have kept, and when we have young guests, the framed photos are removed to another room and the lid of the toy box is opened so the guests can enjoy the toys (right there in the sight of their parents, so we don't have to worry about what a child is doing off in some other area of the house that might not be kept company ready).  Then when the young guests go back home, the toys go back in the box, the lid goes down, and the framed photos go back on top.  Until the next time.

toy box, 

ready for small guests

toy box as a table, 

displaying photos and breakables 

 when we don't have small guests

So I challenge you, even if it takes a whole weekend or even a whole week to get your house on track, to become Company Ready.  Make a list of what areas of your house you most often allow guests, and then come up with a bulleted list that describes what the key points are for each room.  Then just whiz through your list a few minutes every day.  If you get bogged down in your daily chores--say during an illness or canning season, or whatever comes up--make the Company Ready list a priority, and let the other areas of your house slack for a little while, until you can get back on track.

Then, next time someone knocks on your door unexpectedly, you will be able to welcome them in with a smile, instead of wondering whether they know you are home, or if you can just be very quiet and hide out of sight until they go away.

Living on One Income, Part Six

You must be made of pretty tough stuff if you're still with me by now.  Which is a very good thing, because being resilient, and being open to admitting you need to make some changes, are key traits in keeping your marriage afloat while being a one income family.  It is super easy to get discouraged and then start playing the blame game, which usually disintegrates to spouses who don't appreciate what the other does to keep the family humming along with one parent at home full time.

There are tons and tons of little things that can be tweaked to save some money.  Those are, by and large, my department at this little place here.  DH doesn't want to be bothered with pennies, he wants to concentrate on the items that save benjies.  It's hard to have benjies, though, if you are tossing pennies out the window left and right.  A ten-cent per pound savings on ten pounds of burger (what the local meat market offers if I buy a 10 pound bag) adds up when you go through about 100 pounds of hamburger in a year for a family.  If I make my own hamburger buns for roughly 50 cents per package instead of buying the cheapy ones that turn to mush for $1.50 on sale, there's some more savings.  If I never buy tomatoes to put on our hamburgers, but instead only have tomato slices with our burgers during the months that we have fresh tomatoes from our garden, I save even more money.  If I make my own hamburger dills out of the cucumbers, garlic, and dill I grow, there's a few more pennies.

I think you can see where I'm going with this.  By saving in little ways all through the year, before the year is up I've saved almost $100 just by changing how I acquire the components of our hamburger dinners.

Do you need to get a soft drink out of the cooler, and a candy bar off the shelf every time you go to the gas station to fill up your car? Rather than spending $1.29 for the soda and 80 cents for the candy bar each week times 52 weeks in a year, by waiting until you get home to have a drink and a snack you have saved yourself $108.68!  What could you better spend that on?  Maybe one month's worth of electricity?  Or a few month's worth of car insurance on a paid off older vehicle you have PLPD insurance coverage on?  Or a week's worth of groceries for the family?

The point I'm trying to make is to look at every thing, not just the big ones that you have trouble covering, when you are searching for ways to cut your family's expenditures.  Be the person that sees a penny on the ground and picks it up, instead of the one who walks on by because "it's just a penny; you can't buy anything with that".

A few years ago, I did a whole series of posts on different areas to save money.  Look up my Frugal February posts if you want to read about some of the little ways to trim your budget.

One more parting thought, though.  This one is really important, especially if you are a young couple just starting out.  One of the spouses must have a degree or a certification that enables them to get a good full time job with benefits.  To try to raise a family on the sorts of careers you get with just a high school diploma and then have one spouse not work, well, honestly, I don't think you will have much at all.  You will be struggling to keep the basics: food, shelter, clothing, utilities (utilities being heat and electricity, not cable tv and smart phones).  Make the sacrifice, and the commitment, of time and money (if you need to take out a student loan) and struggle now to get through college or learn those skilled trades, so that the rest of your life won't be so difficult.  DH and I decided decades ago that we would much rather work our behinds off in our twenties and thirties to set ourselves up where we are now in our forties, than to be in our seventies and eighties and still slaving away to keep a roof over our heads and the lights on.  This is what we have preached to our children also.  Work hard when you are young, so you don't have to work so hard when you are old (not to mention how much more difficult work is when you are old).

I wish you the best of luck in your frugal endeavors.  May you reach your goal of being a family who lives happily on one income, where the kids know two parents who love each other and work together as a team, good home cooking, simple joys, a good work ethic, and spend most of their childhood hours with a parent rather than a paid caregiver.

Living on One Income, Part Five

After housing and auto expenses, the next biggie (since we have all ready talked about childcare in Parts One and Two) is food.  We all need food, perhaps even more than we need cars and houses.

Food, however, is a much more flexible category on the expenditure side of your budget than houses and cars are.  How much you spend on food is greatly dependent on how willing you are to get your hands dirty.  If your hands never touch your food, other than to lift burger, fries, or pizza to your mouth, you are going about eating in a way that is more expensive than necessary.  If you touch a spoon to mix ingredients from boxes and cans you are doing better.  If you actually wash, peel, cut and/or measure then cook the ingredients in the meals you eat, you are well on your way to fiscally responsible nutrition.  And if your fingertips have a definite darker tint to them during the growing season for your area (as in, you have dirt stains and plant juice stains on your skin from gardening and preserving), well, food can't get much cheaper than that!

I readily confess to being somewhat of a cooking-from-scratch Nazi.  It is the cheapest way to eat healthy food.  Notice I didn't say the cheapest way to eat, period, because if you play the coupon game right, I hear you can get all kinds of crap for free or nearly so.  But it is crap, in my book, not real food.  And real food is cheaper in the long run because if you fuel your body with junk, it isn't going to run right, or run as long, as if you fuel it with nutritious stuff.  You wouldn't fill your car's gas tank with the garden hose just because water is cheaper than gas, would you?  No.  Because you know water in the fuel line and engine is not good for the car.  Empty calories and tons of chemicals and preservatives are not good for your body. Don't substitute protein with carbs and chemicals. Eat real food, or don't eat at all.

'Nuff said on that subject.

So, now that you know where I stand on what kind of food to eat, let's look at how to go about cooking it.

This is an area where I think it is okay to responsibly spend a little money now in equipment (frugally, as always!  Watch for sales, don't be afraid to buy used, and make your choices wisely--don't get every gadget on the market.) in order to save money on food in the long run.  If you don't have a crock pot, you should get one. Especially if you are still a family with two working spouses who are trying to save enough money to pay off enough bills so that one of the spouses can leave their job to be at home full time.  You also need, of course, a working stove and oven.  These do not have to be brand new!!  I would rather you bought used of good quality than brand new of an inferior model that will just need repairs in a few years.  A griddle is a nice tool, and a freezer can be your money saving best friend (again, get a good deal; our first freezer was $20 at an estate sale in 1993. . . avocado green, and probably made in the same year I was, but you know what?  It still runs 21 years after we bought it used.)

Now that you have a stove and oven, a crock pot, a griddle, and a freezer, make sure to use them.  They aren't doing you any good sitting around collecting dust while you eat out night after night after night.

If the idea of cooking your own meals scares you, and you are sure you are going to starve to death without eating out or buying zap and heat food from the store anymore, relax.  You need to approach this with the right frame of mind.  When you were a kid, and you wanted to learn to ride a bike, you took the falls and the scary moments and kept trying.  When you wanted to master a new video game you kept restarting every time you got killed off, didn't you?  You kept at it, kept trying, learning from the oopses along the way until you accomplished your goal.

Think of cooking this way; your goal is to learn to cook, and there might be some skinned knees or you might figuratively die a few times during the journey, but if you keep at it, you will master it.  Geez, if cavemen could figure out how to cook food, surely you can, right?

Goulash is a good, quick and easy meal to start out with: a pound of burger, cooked til brown, a box of noodles (your choice of shape!) boiled until tender, a can of tomato sauce and whatever spices you want to put in it.  Some shredded cheese, too, if you wish.  Throw them all together, and voila, you just cooked dinner!  (Meat, veggie--tomato sauce, grain--pasta, and dairy if you added cheese.  Balanced meal.)


If you need me to give you another kick in the pants, here it is:

Do you want to eat like a baby all your life, only being able to put in your mouth what someone else has prepared for you?  Or do you want to be a self-sufficient grown up, who can eat whatever strikes your fancy because you can whip it up in the kitchen any time you want?

Okay, enough tough love.  Get yourself a few recipes with words you know (so, probably not anything that says 'braise' or 'until centers are set' or anything foreign like that), and give them a try.  It's okay to use a can of soup or sauce and a box of noodles for now, as long as you are combining and heating them.  You can branch out once your cooking bicycle isn't so wobbly.

Along with saving money by cooking comes learning to trim your grocery budget.  Cost compare when you are at the store; sometimes the brand on sale is not cheaper than the other brand which is not on sale this week.  Sometimes two of the smaller size are actually cheaper than one of the larger size (go figure, this defies logic, to me, but I find it from time to time while shopping).  Cut the chips, cookies, alcoholic beverages and sodas.  Really.  You don't have to go cold turkey. Unless you have a teeny tiny amount of cash to feed your family this week, in which case, yes, you do have to forego these things for now.  Case in point:  when we had a grocery budget of $45 a week to feed 5 people during a tough financial time (the one where I went back to work), DH did not get to drink beer.  Once things looked better money-wise and we could pay all our bills, nourish the kids and still have enough for a six-pack, then DH could enjoy a brewski again.

(On a side note, it really burns me to no end when I see families who insist they cannot afford to feed their children, yet the adults in the family are running around puffing on cigarettes and drinking beers.  For crying out loud, people, feed your children before you indulge yourself!)

Anyway, this post could get astronomically long if I went through every single way to save money on food.  Check out my posts with the tags 'frugal', 'recipes', and 'gardening' if you want more ideas.  And let me point out, before I end for now, that cooking and grocery shopping are things men can do just as well as women.  So any at home guys out there, you should be taking notes.  ;0)

To Be Continued. . . 

Warm Weekend

This past weekend was amazingly warm at this little place here.  I believe we hit 70 degrees both Saturday and Sunday, the field was dry enough to drive the tractor through, the rain held off until night time, and DH and I just went bonkers getting outdoor work done.

On Friday afternoon, I pulled taps from the maple trees.  Sap had not run since last Monday, and the trees are too budded for me to wait until the cold snap that is forecasted to hit later today might possibly bring a little sap flow.  Most of the trees gave up their taps easily, but a few had healed around the tap quite a bit, requiring me to do some serious tugging to free the tap from the woody grip of the tree.

my awesome artistic rendering of me pulling a tap the tree didn't want to let go of

On Saturday morning, I was up early, loaded my oldest group of hens into the dog cage that I had put into the back of the pick up truck, and headed down the road to the local weekly hay, straw, and small animal auction.  Culling time in the chicken coop; got to get rid of the less productive hens and make room for this year's batch of pullets (to arrive in May).

While there, I also bid on some lots of straw.  The plan being to use it to mulch as much of my garden as possible this year.  Straw has just gone up and up in cost in the last several years, for a number of reasons (newer varieties of wheat have shorter stalks, thus needing more straw to make a bale; dairy people are chopping it and feeding it to their cows; some of the grain farmers have a setting on their combines that chops it during threshing and leaves it on the field as trash rather than leaving it whole, wind-rowing it and having to come back later with baler and wagons).  I was hoping, that by going to the auction, I could get it for less per bale than I see straw listed for on Craigslist.

I ended up with 26 bales of ugly straw at $2.20 a bale.  It was straw that was discolored and probably had been rained on in storage, so nobody looking for feed or bedding was all that interested in it.  Me, I'm just going to spread it on the garden and let it rot, so ugly was fine.  And much better than paying the $2.70 to $3.60 per bale that the pretty straw went for at auction that day.

another superb drawing: me loading straw after the auction

After the auction, I came home, unloaded the straw (getting my workout!), then proceeded to load 34 bales of hay from the loft and drive it down to the horse farm, where I unloaded and stacked it so my horses have something to eat for about the next month.

By the time I got done with all that, it was about noon, and DH had headed out to the woods with the tractor and the chainsaw.  He spent about six hours cutting up deadfall from last fall and winter's storms.  While he was doing that, I boiled off sap, made three dozen deviled eggs for Sunday's potluck after church, washed three loads of laundry, and weeded and mulched one and a third of my flower beds.

Phew!  Needless to say, I slept darn good on Saturday night!  

Getting out of bed on Sunday was rather a challenge though, as my body was a bit stiff after all that bending and lifting and tossing and stacking and shoveling I had done Saturday.  DH wasn't any too limber himself after his many hours of cutting and stacking wood.

So, after church and after the potluck, we came home and pretty much did it all over again, minus the hay and the straw and the laundry and the sap boiling.  And the deviled eggs, although I did make a batch of mayonnaise and used it in the potato salad I prepared to go with the venison loin that I was grilling for dinner.

In other words, DH spent about four hours cutting and stacking wood (there are lots and lots of downed trees out there), and I used up roughly the same amount of time doing more weeding and mulching of flowerbeds.

DH in the woods with his chainsaw

Living On One Income, Part Four

Still with me?  Got some gears turning on how to make your housing expense a little lower?  Now let's focus on another biggie for the budget.

Next to housing, autos are usually one of the next biggest expenses.  It's actually not unheard of for people to pay almost as much on their auto loans as they are on their housing.  So let's take a look at how to cut your car/truck/SUV expenses.

Number one, be happy with less.  Do you really need the super cool model with all the gadgets?  Do you know how to drive a stick shift?  A vehicle with a manual transmission, while becoming more difficult to find as less and less people know how to drive them, is cheaper right off the bat than an automatic.  If you are shopping for a brand new ride, ask the dealer what the price is on the same make and model with a manual transmission.  Most likely they won't have one in stock, but if the manufacturer makes that option, it can be ordered for you if you are willing to wait a little bit and not drive your brand new vehicle home tomorrow.

Also cheaper is a one year old model versus a brand new one.  They can be sitting side by side on the lot, and most likely look pretty identical (being an auto engineer's wife, I've learned a few things over the years--big huge changes don't usually happen from one year to the next in car design or performance) but the one from 'last year' is going to cost less.

If you can get it out of your head that you have to drive a new car, and just be happy with new-to-you (a nice way of saying "used"), the savings is even greater.  And if you can be patient, and save up the money for a vehicle so you can pay cash instead of getting a loan, you will save more.  I do realize most people cannot save up that much cash.  Let's be mean again, though, and say with brutal honesty: most people want to drive a fancier, newer car than they could ever pay cash for.  Once you are willing to change your thought patterns, a whole new world of options opens up.

When DH first got hired directly with his employer, after working for them for over three years via a contract engineering firm, we were excited about his new ability to purchase brand new vehicles with an employee discount.  In fact, the first time a big repair loomed on our 14 year old, 200,000+ mile vehicle that he'd been driving, that was a great excuse to go buy a brand new, custom ordered (because he went with a manual transmission!) small pick-up truck and use his employee discount. Woo wee!  Weren't we cool!  Brand new truck for several thousand less than MSRP.  Except that brand new truck that we 'saved' so much money on with his employee discount came with an interest rate from our credit union, who'd given us the loan to purchase that truck with, and a big insurance bill for full coverage (as required by terms of the loan) on a brand new vehicle.  Ummm, not such a savings after all.

We made notes to not do that again.  So when the next vehicle needed replacing (hard to fit 4 kids in the backseat of a car; with baby #4 on the way, it was time for a minivan. . .) we went a slightly different route.  Instead of buying brand new with employee discount, we tried company used through a program where DH's employer uses a vehicle as part of their fleet (perk for the VIPS and upper level engineers) for six months or so, then sells it.  It qualifies as a brand new vehicle as far as loan purposes go, but you get a discount based on how many miles are on the odometer plus you get to use your employee discount.  We bought the next two vehicles this way, before we realized that not having to take out a car loan at all would be the smartest thing to do in the future.

So that is how we've done it in the last five years.  If we needed a vehicle, we looked at how much money we had on hand (or might be coming in--tax refund!), and started scouring the used car sites for the makes and models with the options and price range we were looking for.

Back to the brand new/company used vehicles for a minute.  We realized, after purchasing (and going into debt) for them, that the smartest thing to do would be drive them to death.  In other words, not sell them off or trade them in after two or three years for even newer ones, not even to sell them after they were paid off (in four or five years).  But to keep them and drive them until they could no longer be kept running.  Hence our string of vehicles that we drove to over 200,000 miles before replacing.  Currently our family truckster, the Suburban, sports 186,000 miles.  It is our youngest vehicle (the last one we bought on a loan, company used) at 9 years old.  We should be able to get at least five more years, and about 64,000 more miles out of it before it becomes a judgement call between repairing whatever goes wrong at that point (based on life expectancy after the repair) or replacing it.

An option I have absolutely no experience with, because our research revealed that with the amount of miles we usually drive, plus hauling four kids around (and incurring all the spills, stains, dents and dings that kids put in a vehicle), is leasing.  Some people say leasing is a good deal, because when the lease is up they just turn the car in and no longer have to deal with an aging vehicle.  Like I said, we never tried it, because when we ran the facts and figures for our wear and tear on a car, leasing was a losing proposition for our family (we definitely would have owed money at the end of the lease for the extra miles or the 'damage').  That is a decision you will have to make for your family, and if it does save you money both now and a few years down the road when it's time to turn the car in, go for it!


After cost to purchase a vehicle, there are two other areas to look at for vehicle expenses: insurance, and maintenance.  If you have a loan on your car, you don't have much leeway in how you insure.  The company who issued to loan wants their risk covered, and therefore requires you keep full coverage insurance on the vehicle.  Once the loan is paid off however, or if you managed to pay cash in the first place, you have more options.  You can insure it fully, or just for collisions with other vehicles, or just for things like deer hitting your car or trees falling on it, or with the bare minimum required by the laws of your state in order to drive it on the road.

As for maintenance, in some ways that has become a lost art.  So much computerization of cars has made it harder to be a home mechanic.  Harder, but not impossible.  You can still learn how to check fluid levels (or at least where the ports are for when the readout on the dash says your oil level is low, or you need more washer fluid!)  and then add the necessary fluid.  You can air up and rotate your own tires.  You can learn to do the repairs that don't require highly technical tools. In fact, for almost ten years, our basic car repairs were done by our teenage sons.  If a 13 year old boy can do simple repairs with a few wrenches, so can you!

And for the repairs that are beyond your scope--or your tool box--you can find a good local mechanic, often a small sole proprietorship, to do the repairs for you instead of a chain place or dealership.  Anything that DH can't fix, since our boys grew up and left home (boy, does he really miss then when the vehicles break down!), goes to the small shop in the village owned by a family who lives nearby.  Their prices are lower than the dealerships, and they are always willing to take a look same day as you call.  When their ability to put food on the table for their family depends on word of mouth advertising and satisfied customers who come back time and time again, they will do good quality work.

To Be Continued. . . 

Living on One Income, Part Three

I assume, if you are reading this, that I did not totally piss you off in Part Two.  I'm a little afraid it might have come across as preachy, but from what I've experienced over the years, it is what a lot of people need to hear.  Because if they can't take a little straight talk about how this whole marriage, family, and living on one income thing has to work, then for the sake of their marriage, and their family, they probably shouldn't even try it.

In reality, what you are doing when you quit your job to stay home, is going back to traditional roles: the man works, the wife stays home and does the cooking, cleaning, and child rearing.  That is a tough thing for today's woman to swallow.  And the ones who swallow it willingly are guaranteed to get negative feedback from the women around them.  You are setting back the whole female race!  You are defying the feminist movement!  Yadda yadda yadda.  Truthfully, there will be a whole lot of jealous women in the ones who spout that rhetoric at you.

Guys who stay home, I can only imagine the crap you get from other men. I'm guessing more than a few jibes about your lack of machismo by having your wife be the breadwinner.  I suspect, as with the negative women who make rude comments to hide their jealousy, a lot of smack talking men secretly wish they too could stay home all day and have a wife who toiled at the office for the family's money.

When you decide that one spouse should stay home, you both need to really be open to ways to save money.  The less money that goes out, the more that needs to come in in the first place, and the more likely it is that you can be a married, one income family.  That means gathering as many money saving ideas as you can and implementing all that apply to you.  This is not a one-time thing, but should become an on-going habit, as some tips might not be possible now (or just be inapplicable to your current life), but be very helpful in the future.

I am always on the look out for tips that I can put to use in my family's dollar stretching lifestyle. I read a new book this past winter that was about cutting expenses from your budget.  The title of the book looked somewhat promising; the gist of it was that the author looked for ways to cut his family's costs, and came up with, over the course of a year (I think), a savings of $1000 per month.  Which is a huge amount of money for me, and, I think, for most people.  Unfortunately, I came away from the book with no new ideas, having adopted all of them little by little in years past, and shaking my head over how much money the author had previously been unwittingly hemorrhaging. I also came away with a niggling feeling that most Americans, while probably not quite as well off as the author-- and thus probably not going to find $1000 a month to cut from their budgets (unless you are totally erasing the need for childcare on multiple children!)--are also unknowingly spending a whole lot more money than they should or want to.

Basically, you have to start with the big things. Like housing.  Look at how much you are paying for where you live, be it an apartment, a house you rent, or a house you own.  If you rent, is it possible for you to move somewhere cheaper but just as sufficient.  I'm not saying give up safety, but quite often I see people, especially young people, renting places that look eerily on par with the nice houses their parents live in.  What they are missing is the fact that it took years upon years for their parents to work up to places like that.  Too many people skip the 'starter home' and go right for the middle aged owner type of house.  The one with the nice carpeting and trendy color scheme, and manicured lawn in a suburban neighborhood.  Not the "I'm a poor twenty-something figuring out how this whole life on my own thing works" type of dwelling they can actually afford.

This downsizing concept isn't just for renters or young couples who started out a little higher on the housing niceness scale than they should have. If you own your own home, and the house payment is really squeezing blood out of your budget, could you get by with a smaller or less new home? Might you be able to sell your current home fairly quickly without taking a loss on it? Even if you don't want to change school districts, it might be possible to buy a less expensive home and save a whole lot of money each month in mortgage payments.  It is often worth taking the time to check into.

If you are renting, and plan to live in that area for a long time, have you ever looked into prices of starter homes?  When DH and I bought our first house, the mortgage was actually $100 a month cheaper than what we'd been paying in rent. That $100 a month covered the property taxes easily, with money to spare for house insurance. Sure, the house was a little smaller, but it also was quite a bit newer, and cheaper to heat in the winter time than the old house we'd been renting. Plus, by being owners instead of renters, now we were earning equity (which we used, six years in the future, to make a down payment on this little place here) instead of just having this budgetary black hole in the housing expense category.

If you own your home, and don't want to sell it to downsize to a different home,  what are the terms of your mortgage?  What are the current interest rates for mortgages?  Could you possibly refinance for a lower rate, thus lowering your payment and saving you money either now in a lower payment each month or in the long run by not having to pay as much in interest over the life of the loan?  Several years ago DH and I did refinance our house at this little place here, even though we'd only held the mortgage on it for slightly more than a handful of years.  On the original mortgage we had 24 years to go before it was scheduled to be paid off.  With our refi, we rolled that 24 yrs into a 15-year mortgage for 2.75% less interest and the same monthly payment. It didn't save us any money up front, on a month by month basis because our payment stayed the same (well, actually I think it fell by $40, but we have continued to make the same payment as the original mortgage, with the extra $40 each month paying off the principle a little faster). In the long run, we are saving ourselves a boatload in interest.  And we can pinpoint a retirement date for DH a whole lot sooner: 9 years sooner, if we keep our finances on track to have him retire once the house is paid off.

One spouse at home, and the other one looking at a retirement date earlier than the day they can start drawing Social Security?  Sounds like it might be worth making a few adjustments for.  Maybe not having the magazine spread dream home isn't such a bad thing. . .

To Be Continued. . . 

Challenge #14 : Read The Little House Books

In January, I decided that I really wanted to reread the Little House books.  You know, the ones with Ma and Pa and Mary and Laura. . . The ones by Laura Ingalls Wilder.

I had read the whole series in my elementary years, and read them again, aloud to my kids, when my kids were young.  Which means it has now been at least a dozen years or so since I last read them.

So, I made it a personal goal to reread the entire Little House series in 2014.  So far, I have finished the first five.

This time through I am not only enjoying the stories those books contain, but I am finding fascination in the details of life back in the 1870s/1880s.  The work ethic people had.  The expectations for how children should behave. Or, really, how anyone should behave.  The emphasis on considering others, on how children were taught to be respectful and to give some thought to how their actions might impact the other people around them. How people faced adversity with determination rather than sitting back and expecting someone else to bail them out of a tough situation.  How people creatively made do with the resources they had at hand.  How much pleasure they got out of simple things.

It is a very interesting contrast to modern day life.

So, I challenge you, too, to read these books.  Even if you did a long time ago as a child, read them again now.  At least two or three of them.  As you are reading, concentrate on the details.  On the underlying outlook on life.

If you are following my Living on One Income series of posts, also think about how content the Ingalls family (and their peers) were with the small amount of material items they had.  Notice their frugality, and also their willingness to do whatever it took to get by.  Those are key factors to being a one-income family in this day and age.