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Posts tagged with: Homemade Gifts

Christmas on a Shoestring Budget

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Today we leave to stay at my grandmother’s in Georgia for a month.  I cannot wait! I get to sleep in a bed, have heat day and night and have indoor plumbing (have to go over to the trailer to use the bathroom where we are at now.)  It is going to be joyous.  These are things I will never take for granted again!

I have less income now than I’ve had all year with the cut in the twins’ adoption assistance and being informed yesterday that there would be no work hours until Dec. 14th and I didn’t have any the last two weeks either.  Needless to say, Christmas is going to be almost non-existent.  Almost…

Princess and I learned to knit in the last month.  This is something I have wanted to do for YEARS!  A new store opened up here locally and offered $10 beginning classes along with 10% off the supplies.  We’ve taken off like gang-busters.  She has become a whiz at making hats, teaching herself after learning the two basic stitches, and I’m quite adept at knitting straight lines now.  We’ve both been working on making presents for anyone we could think of who would enjoy them.

A couple of the hats Princess has knitted as presents.

A couple of the hats Princess has knitted as presents.

The little ones dad sent them both $50 at the end of September for the state fair, and both of them managed to save some of it.  Gymnast cleaned my car for another $10 this week, so I took him shopping last night.  He managed to buy thoughtful, practical gifts that I think everyone will enjoy staying within his budget.  (He shopped at $5 and Below and got some really great presents if I do say so myself.)  He has also gotten creative with reusing some canvases he had previously painted.  Painting over them and creating new masterpieces to give as gifts.

Original paintings that have now been repurposed to Christmas presents.

Original paintings that have now been re-purposed to Christmas presents.

I have not had quite as much luck in figuring out what to do for gifts for the kids, but at this point am planning to try and fill their stockings with goodies and that will be it. I’ve been collecting free samples of soaps (not hotel kinds, but more homemade stuff,) notebooks and anything else I can find. This is the first year that we will not be in our own space for Christmas. No Christmas decorations, no menu planning, no traditions from the past. I did dig out the stockings and will be taking them with us (the kids don’t know.) I think it will be nice to have something from our old life with this new Christmas. I have been thinking that I could create a certificate for a “mom and child” date so when I do have some money I could take each child out to eat at a favorite restaurant. Thought that might be kind of special and something to look forward to.

I’m not going to pretend and say it’s been easy to be so broke especially with the holidays here, but we have more than enough and in the end, it truly is being together that counts the most, not the material things. We are blessed that we don’t have needs, just wants. There are many who truly need.

Updated to add Amazon Wishlist…http://a.co/el2mc7W

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Weekly Update #26- Oops!

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Hey everyone, and Happy Tuesday!

To jump right into this post- last week I made an error. Not necessarily a bad error, but I feel like now, more than ever, I’m skating on thin ice. Every Wednesday (my pay day), I have my checking account withdrawn to pay off my student loans. I put make the payment request sometime before the payday (normally a week in advance) so that on payday, the money is gone and I don’t have it sitting in my bank account. Lucky for me- this month happens to be a 5 paycheck month and last Wednesday’s was the paycheck where I had nothing due, so I could put nearly the whole thing on my loans. I must have realized this earlier in the month because I somehow ended up making 2 payment requests of $705.00 to be withdrawn on the same day. I didn’t realize I did this until my account balances looked awfully low. I looked at my bank account, and sure enough, 2 payments were made. I say this isn’t necessarily a bad error because it isn’t like I went out an bought something unnecessary, but I had to move money from my EF to my checking to make up the difference. I’m down to $1000.00 in my EF, which has never been lower, hence why I feel I have a very shaky feeling about it. My plan right now is to finish paying off Sallie Mae 04 in 3 weeks and then build my EF back up before hitting the last two loans. If you look at the balances below, the $1,200 shouldn’t take too long to pay down.

On a separate note and a follow up from last week’s post, our anniversary weekend was amazing. Thanks to all those that shared your stories with me. Our trip to the ski resort was fantastic and it was a nice little day trip where we walked around their downtown (not the golf course, like I originally wanted) and got some appetizers at a local bar. When we got back home, GF made an amazing dinner and we exchanged little gifts. My gift for GF was, again, of the homemade variety. A couple of weeks ago, I was doing some research on homemade anniversary gifts and stumbled upon a Pinterest account that described homemade bath bombs/fizzies. Here’s the finished product below:

Bath Fizzies

It piqued my interest and I found a simple recipe on Martha Stewart Living (the recipes are easily google-able- I clicked on the first link). Since I don’t have any hobby/crafting supplies at home, I had to buy everything I needed to put together what I was envisioning in my head, including the acrylic paint and paintbrush for the front little “card” I made, the ribbon, tissue paper and dye for the fizzies. As for the fizzies, of the 4 ingredients needed (corn starch, baking soda, citric acid and essential oil for scent- I chose peppermint) I didn’t have any of them at home, and the citric acid ended up being a specialty item I had to buy on Amazon. The total came to around $60 for eveything. It would have cost a whole lot less if I did crafting and/or baking on a more frequent basis and had the items already on hand. To put the whole thing together took about 4 hours, 3 hours was for the prep and set time of the fizzies. Needless to say though, GF LOVED them. I don’t think I’ve ever been so proud of a gift I’ve given someone. It was truly a wonderful weekend.

As for my balances, here they are:

Loan NameInterest RateOriginal Balance- May '09Current BalanceTotal Paid OffPaid Since Last Week
Sallie Mae 015.25$27,837.24$23,662.64$4,174.60$0.00
Sallie Mae 024.75$22,197.02$18,556.32$3,640.70$0.00
Sallie Mae 037.75$20,692.10$0.00
$20,692.10$0.00
Sallie Mae 045.75$10,350.18$1,221.75$9,128.43$1,409.92
Sallie Mae 055.25$6,096.03$0.00$6,096.03$0.00
Sallie Mae 06 and 074.75$6,415.09$0.00$6,415.09$0.00
Sallie Mae- DOE 015.25$5,000.00$0.00$5,000.00$0.00
Sallie Mae- DOE 025.25$3,000.00$0.00$3,000.00$0.00
AES6.8$9,000.00$0.00$9,000.00$0.00
TOTALS$110,587.66$43,440.71$67,146.95$1,409.92

I hope everyone has a great week!