Saving Money And Winning With Money: Essentials For A Clean Life

Saving Money And Winning With Money: Essentials For A Clean Life

Last time I covered many ways to save money when it came to food. Only I forgot to mention another way you can save! So, I’ll share that now and then get into other ways to save money on non-food related items. I lump this in with couponing because, again, I don’t have many instances where I can redeem what I’ve purchased but almost every week I can get 25 cents or more for what I do buy. And it only takes a couple minutes and adds up after time. I’m willing to spend that little bit of time to eventually get free money. There are several of these cash back apps. My favorite is Ibotta. I’ve earned the most on this app. Every so often they offer $0.25 just for submitting a receipt. Another is Checkout 51. In my experience, it’s harder to earn the minimum cash back. In fact, in the three years I’ve been using it I’ve yet to reach the minimum to redeem the cash back. Not so the case with Ibotta. There is one other that I’m aware of and have conveniently forgotten the name but I never was able to use it because what I buy is not processed foods and name brands.

I’m hoping that you’ve figured out by the title what I’ll be covering today. Yes, all related to cleanliness. The first step I took to help reduce our costs was to begin to make my own cleaners after using up what I had on hand. I know some people say I should have tossed those chemically laden bottles of death but I couldn’t willingly throw them away knowing I spent my hard-earned money on them. And isn’t a homesteading creed to use it up, wear it out, make it do, or do without?

The first cleaner I started with was an all-purpose cleaner. It’ so simple to make and the ingredients list is short: castile soap, super washing soda, borax (minimal amount so I’m not concerned with the controversy surrounding this), and essential oils like lemon and/or orange. Any citrus essential oil is a good choice for this type of cleaner.

The next item I made was toilet bowl tablets. I quickly learned I didn’t like them and I don’t feel they were effectively cleaning my toilet bowl (and yes, I was scrubbing the bowl it just seemed that the “clean” didn’t last as long as it did when I was purchasing the brand name one I used to use). Sometimes it’s a matter of trying something and if that doesn’t work try something else. And that’s exactly what I did. I came up with my own “cleaner” which is essentially a squeeze bottle that I fill roughly 1/3 full with castile soap and 2/3 water. I then squeeze the mixture around the rim of the bowl and clean with the toilet scrub brush. Works like a charm and so much less expensive.

And then I tried dishwasher tablets. And I’ll be honest, the recipe I found didn’t contain any “soap” at all and I just couldn’t wrap my head around that. So, I followed the recipe with the exception of the addition of castile soap. And I’ve been using it ever since without problem! My dishes come out clean!

Lastly is the big one that a lot of people seem to focus on: laundry. I replaced dryer sheets with wool dryer balls and started making laundry soap. I’ve tried a powdered recipe and a laundry sauce. Both had the same basic ingredients: Fels Naptha bar soap, borax, and super washing soda. I despised the powder. It left a white powder residue on my dark clothes. The laundry sauce though worked well enough. But what I found was that the elastic in undergarments were deteriorating (meaning they weren’t as elastic as they should have been) so I did some research into borax because at that point I’d been reading more about how it might not be safe for us. And what I found is that borax breaks down the elastic. Well, that is no good at all! I decided then to just use the Fels Naptha and super washing soda. Here’s what I do now:
* cut into pea-size chunks (or grate) the Fels Naptha bar of soap, add to a blender.
* Add about 2 ½ cups super washing soda to the blender.
* Blend together to mix together. The blender isn’t necessary, I just find that it incorporates everything together really nicely.
* Store in a quart jar

I use this in powder form. Because it doesn’t have the borax, which doesn’t dissolve easily, there is no powder residue on my clothes. I use 1–2 tablespoons per load depending on the size and amount of soiling. I haven’t had a problem with my clothes not getting clean nor have I had a problem with my clothes smelling….and we sweat a lot in the summer! It may not work for everyone but it works for us. At the very least give it a try. It doesn’t cost much. The Fels Naptha is $1 and the super washing soda box is $4. You only use 36% of the box at a time (cost per recipe for the super washing soda is $1.44). Total cost per jar is $2.44. For me, a family of three washing 5–7 loads a week this lasts roughly 2 months. Pretty economical if you ask me.

What else? Oh, the glass cleaner. It’s as simple as 1 cup white vinegar and 1 cup water together in a spray bottle. Use two rags; one to wash with and one lint free rag to dry. You’re glass and mirrors will look great! And trust me, the vinegar smell doesn’t last long.
Other areas items I’ve made at home are a foaming hand soap, dish soap, and liquid hand soap, and tooth cleaner. The foaming hand soap works great although it does require a slight shake to mix everything together before use. The dish soap I’m still perfecting as I’ve not been happy with the recipe that I found. The liquid hand soap is the most recent addition to my arsenal and so far, we have no complaints.

The tooth cleaner though has gone thru several different iterations. The first couple years we used recipes that use coconut oil. However, we decided to not do that because we have concerns about the coconut oil clogging the pipes. So recently I’ve moved to a tooth powder. The last recipe used calcium and magnesium powder for remineralization but the flavor was a bit odd so I’ll continue to tweak it until I come up with something that works for us. For the record, my dentist has never seen any evidence that our dental health has declined since we started using homemade tooth paste/powder.

The last area I want to cover is using fabric napkins and rags instead of paper napkins and paper towel. Now, I’m not saying to never use them but in our daily lives that is what we use. We’ll break out the paper napkins when we have company and paper towel when it’s a particularly yucky (think cat vomit) mess, something greasy, or to remove the poop from the freshly gathered chicken eggs. By reducing your use of paper products, you will save some money in the long run. Every little penny, nickel, and dime adds up.

Next time I’ll cover the behaviors and habits that affect how effective we are with keeping money in our coffers.

Saving And Winning With Money: Food

Saving And Winning With Money: Food

Several years ago, I was working full-time in a corporate environment with a two-hour daily drive. To say it was draining is an understatement. My husband and I had several discussions about me quitting work and becoming a one-income family. The plan was for me to do some virtual assistant work but not to count on any of that money should I make a go at it. I’ve shared our story in More Was My Catalyst. Check it out for some further background.

With the decision to become a one income family I had to learn some new skills. Scratch that – LOTS of new skills. While I knew how to cook I wasn’t the one who did the majority of the cooking when working the full-time job. We were like a lot of households in that we were normal, with consumer debt and a consumption mindset. Debt and no savings. Doesn’t that sound stressful?

We had to ask ourselves, what steps could we take to reduce that stress and succeed in our plans to start homesteading?

Start with the Food

June 2014 began my foray into being a homesteader and home economist. All the skills needed to be successful in both endeavors don’t just happen overnight. Well not most. The first thing I had to do was become more proficient in cooking from scratch. And while I was pretty good at planning and organizing I had to get better. Menu planning is of utmost importance when trying to reduce the grocery budget.

How can a pre-determined menu help lower the grocery bill? Planning helps avoid waste and stretch the food longer. I purchase my bacon from Zaycon Fresh. The packages are three pounds of thick cut bacon. Best bacon ever in my opinion. Anyway, my family cannot eat three pounds for one meal so I’ll cook up the entire package. We can then have eggs and bacon for breakfast, freeze some to have BLT’s in the future, save some to have on a cobb salad, and use some for a bacon wrapped chicken dinner. Yes, I started with three pounds but I’ve also saved myself time to do something else because I bulk cooked that bacon at one time. It wasn’t spread over four different meals.

Stretching Meals

Want to know another way to make food stretch and save money? Buy a whole chicken instead of the parts. It’s much cheaper and you get more meals out of it. Cook the whole chicken. That’s meal one. Use the leftover chicken for chicken salad, or on a BBQ chicken pizza, pick off the smaller pieces of chicken and freeze to be used later for chicken quesadillas. Or leave it on and use some of the chicken to make chicken soup. Did you know you can use those bones more than once to make chicken stock?

Tiffany at Don’t Waste the Crumbs has more great ideas on how to stretch a whole chicken to feed a family. She also has some great suggestions for stretching pork loin and using it in different ways. I hope these examples give you some ideas on ways you can make your money go further. Another great website to check out for budget-friendly meals is Budget Bytes.

How else can you save money on groceries? Grow some of your own! Most fruits require a long-term plan, think fruit trees that take several years to produce, but there are some that may produce the first year (although the second year is better) like strawberries and some raspberries. My raspberries produced first year (planted spring and had a small harvest in the fall). If you know you’re going to stay in place for long-term you may want to consider investing in fruit trees. Otherwise, try planting some berries for a quicker harvest.

Grow Your Own

Most people think of vegetables when the topic of growing food comes up. Is gardening easy? Yes. And No. If you have no experience there is a learning curve. And if you’re really interested in growing food year-round it’ll take research into techniques, what varieties will work best for your particular climate, and by understanding your growing zone! Most people though focus on the summer garden. Which is ok. There is nothing wrong with that at all. That’s mostly what I did the first year. Tomatoes, cucumbers, onions, garlic, peppers, summer squash, and beans were what I concentrated on most. I’ve added on every year since incorporating more of the cool weather crops like broccoli, cabbage, cauliflower, turnips, beets, spinach, lettuce, etc. Have they all been successful? Nope, not at all. But I keep trying. My biggest nemesis has been groundhogs…and weeds. Oh man, those weeds! I could probably write a full page just about my feelings about them.

But you know what? I keep trying because it’s so worth eating homegrown food! It tastes so much better. The freshness just cannot be beaten! And there’s a pride to be taken in putting in the work to feed your family high-quality food. And do you know what else you can do with this food you grow? Can it! I just love pulling a jar of crushed tomatoes off the shelf to make my homemade pizza sauce. Best sauce ever! And it only costs about 50 cents (that’s if I don’t grow the tomatoes and buy a bushel from the local farmers market). That’s a pretty good savings from what you can get at the grocery store. I don’t even know what that cost would be because I haven’t bought pizza sauce in three years!

Cook From Scratch

Earlier I mentioned cooking from scratch. Do you know how easy it is to make pizza dough? When I was working full-time we would plan our menu (mostly) because we never got home until 6 at the earliest. This means we would get out whatever meat needed to thaw the night before (it’s still a habit) and whatever else needed done. Back then we didn’t make pizza sauce but we did do the dough. We’d make it and then just keep it in the fridge overnight lightly oiled and covered with plastic wrap. I say this to show you that if you are still working full-time you can still do many of these habits. It just takes a little planning.

One thing that has also been helpful and this is something we did back before I became “retired” as my husband would say, is to make up several meals to put in the freezer. We’d set aside a weekend to fill the freezer with things like chicken pot pie, lasagna or baked ziti, homemade chicken nuggets, etc. Many of these will yield more than one meals worth. If you find it hard to set aside a whole weekend try to find a day that you can do just a couple meals. It really is worth it. All else fails, double up on dinners (or breakfasts – we make extra pancakes, waffles, breakfast burritos, etc. to freeze for quick on the go meals during the week) and freeze the extra half.

Don’t Waste Food

Do you know what has been a huge cost saver for us? As a general rule, we don’t buy “lunch” food. I may purchase a package or two of sliced lunchmeat but that’s about it. My husband and daughter usually take dinner leftovers for lunch. For example, I’ll make a big pot of soup and that will feed us dinner and about two lunches worth for all of us. It’s pretty easy for my husband as he has access to a microwave to heat his lunch. For my daughter who doesn’t have access to a microwave, we purchased a Hydroflask thermos. We have three and have never had an issue with them. They work great for her to have a hot lunch without buying something thru the school cafeteria that is of questionable nutritional quality.

Buy In Season

It makes me feel really good knowing that my family is eating food that I prepared and possibly grown. If I don’t grow it, I try to get it from the local farmer’s market. I’ve gotten fruits and vegetables, honey, and eggs there. Often times I’ll buy stuff in bulk while it’s in season and at its peak and preserve it by canning, dehydrating, and possibly freezing.

For those items that I can’t get from the farmer’s market, I’ll try to find a local supplier (for example, I recently learned that there is an organic grain farm not too far from me so I’ll be purchasing my flour from there). Other items that I don’t have a local supplier, such as cashews, pecans, sugar, dried beans, etc. I’ll purchase in bulk from Azure Standard. It’s just like Zaycon Fresh in that you are given your pick-up time, meet the semi-truck and take your delivery from the back of a semi. It’s really easy and pretty seamless. With both, you need to check their website for local drop locations.

Buy In Bulk

Did you catch that I mentioned a bulk purchase of flour? I buy 50 pounds at a time. And I go thru it in less than a year. I make bread, pizza dough, pastry dough, tortillas (NOTHING like the taste of homemade!) and other baked goods. I’ve had friends say to me that they don’t know when they last used flour and it astounds me. Homemade just tastes so good! And it really isn’t hard. Homemade pasta sauce is to die for too. My recommendation is to choose one thing and start with just that. Perfect it. Then pick something else. For us, it was pizza dough first and then the sauce. We have homemade pizza every Friday. To get the same pizza (pepperoni, black olives and green olives – Yes, I know how much salt that is) from our favorite local pizzeria is about $14. As previously mentioned, the sauce is about 50 cents homemade, the dough is roughly the same cost. We use turkey pepperoni which is about $3–4 per package (I need to see if I can find this elsewhere!) and use about ½ a package. Then the olives come in less than $1. That homemade pizza feeds the three of us dinner and two of us lunch for $4. (Side note: in case you’re curious we’ve started incorporating other types of pizza for variety.)

Are Coupons Worth It?

You’re probably wondering, what about using coupons?? Many people will say that one key to saving money is to clip coupons. In my experience, you can save some money but in the overall scheme of things, if you’re cooking from scratch and buying store brands vs. name brands, you won’t have much savings. I personally still go thru the coupons but I don’t clip nearly as many as I have in the past. It takes me five minutes to go thru them and put them in my coupon sorter (something I got years ago for $1. It doesn’t have to be expensive!). Then, before I go to the grocery store, I pull out the coupons I’ll most likely use based on my grocery list, which was made based on what is needed (close to being out, what I may be buying extra of because it’s on sale – like pasta, and what is absolutely necessary for the meals on the menu or something that is purchased every week, like milk). This week I had $2.65 in coupon savings. Some weeks it’s only $0.25. In the long run, it adds up.

This is a multi-part series on how my family has taken action to save and start winning with money.   Next time, I’ll review another area where we’ve achieved some wonderful savings and talk about apps that I’ve used in my endeavor to keep as much of our hard-earned income.

Please share…

Do YOU have any tips you would like to share on saving money with food? 

Is there something specific YOU do to control your food costs?

Podcast #148: You Need A Budget

Podcast #148: You Need A Budget

June 16th, 2017: In today’s show I discuss the importance of a working budget for your home or homestead.   Without a real good working budget, you really have no solid footing and will always be guessing and getting further in the hole.

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For those of you that are unable to stream podcasts or would rather have the opportunity to read, below you will find the transcription of today’s podcast:

You’re listening to the Mountain Woman radio show which can be found on our website at trayerwilderness.com and also on iTunes.You’re listening to the Mountain Woman radio show which can be found on our website at trayerwilderness.com and also on iTunes.

Welcome to the Mountain Woman radio show where we’re homesteading traditionally 100% off grid today and offering preparedness and survival tips for tomorrow, here’s your host Tammy Trayer.

Tammy: Hey everyone, welcome. So glad to have you joining me today and I wanted to thank all of you that have been reaching out and expressing how grateful you are that I am back. I’m so glad to be back and I’m thankful to have you listening and glad to hear that I am providing you with resources that are helpful to you and today I thought we would really talk about one that I feel should be like the center of everybody’s life and that is having a budget and–it’s kind of sad and today’s day and age everybody has credit cards and revolving credit and lines of credit and their houses are mortgaged and its just so much credit and it is so much debt. It is what’s being seen and it’s truly just hard to exist in that situation–it’s so overwhelming and it really takes its toll and people don’t even realize it and that’s the struggle that I see and the thing that happens is, you–nobody really knows what their extreme debt level really is because they just keep switching from one credit card to the next. And I have to say we were in that scenario for quite a while just because of circumstances but it’s not a good place to be and it’s not a place to be if you want to get ahead. You know we were building our homestead and things were breaking and we needed to get them repaired in order to move forward, our vehicles were breaking down, without our vehicles we couldn’t go anywhere, we couldn’t work. So you know you keep investing money and putting more debt on your shoulders and we were all guilty of it. But it’s a real refreshing feeling when you finally have a handle on your debt and you know where you stand, you know what your level of debt is regardless how overwhelming it is, you have that final number. And now the thing is to get yourself out of that position you put yourself in and learning–you know we live very frugally, so our needs are so much less than the average person. But you know unfortunately, our equipment often is more pricey. So you know when our backhoe goes down, we have much more pricey repairs than a lawn mower you know. So It’s just–the thing is you’ve got to be aware and you’ve got to pay attention to where your debt level is you’re spending and how frugal you are.

You know a lot of people are out purchasing things not out of necessity, not out of need but out of want and it’s really easy to do when you go in the stores today. You know I see it when we walk into the stores, you know we aren’t shoppers but when we go to the big cities and we hit Walmart or something like that and you see all the big sales and all the new items and you know the new the new slow cooker and the new deep fryer, the new cooking pans that are really pretty and attractive but the thing is I already have all that stuff, so why buy the latest and greatest. You know in some cases it might help you but typically not and you’re just getting an additional piece in your kitchen that you’ve already got, so you’re adding clutter which clutter is a whole other ballgame and that in and of itself adds lot of stress and weight on your shoulders too because people don’t realize living in a cluttered space is so very overwhelming.

So I want to break it out today and give you some resources that will help you to get yourself on track and maybe open your eyes to the fact that you are in a bad situation but you can very easily turn it around and start moving in a more positive direction if you start to be aware–and sometimes it’s hard to get your others-your other party, your spouse whether your husband or wife or even your partners you know involved and aware you know-oftentimes the weight of finances is on one person shoulder but in reality it’s really important that that weight is on everybody’s shoulders-that everybody is aware and that everybody is playing on the same playing field because if you’re both not on the same page you’ll never going to get out of the spot and you’re going to end up on a treadmill and just keep racing and basically chasing yourself. So it’s hard to get your spouse on board sometimes but it’s a necessity, they’ve got to be willing to understand and also accept the responsibility that they have helped to put you there. So that’s why I want to talk about this today because really you know God is in the forefront of our home and our lives and my husband is the next in line and myself and then my children. But in that mix of things, the budget needs to be in there and it needs to be something that is discussed and it’s important to have your children involved in some of your discussions, they need to be aware that it’s important to have a budget and that money just doesn’t come off of a piece of plastic because we’re not helping our children any. As a matter of fact I grew up where money wasn’t really talked about, not in a way of how to control it or how to handle it or how to spend it and I got my first car and I got my first credit card and it was great to have that mobility and it was great to have something to put my gas on but the same time it started me out on a really bad foot in my opinion and you know I never was taught to budget my money, I was never taught to handle my money and I was never really taught to deal with the checkbook. You know I guess I just assumed that was things I was learning in school. But that’s not the case, our children need to see that first and foremost and in a really realistic way. You know by seeing it firsthand how you deal with your money is something that can be a very good lesson for your children and so in your family the dynamics making a really big difference having God first in our life it is really balancing for us and he leads the way so it’s the way as far as we’re concerned that it should be. And in addition to that with our budgeting, the first thing that we consider always on top of anything else is tithing and I had shared-my husband and I shared a video on some of the miracles on our homestead and in all honesty those miracles started happening when we started being really visible once we started tithing above anything else and making that the first thing that we do with our money when it comes in. And it’s what we’re called to do and when you do that it’s been really amazing, I mean there have been times where the only money I had was a $100 and I needed that for a bill in two days but we were going to church and I tithed that money and I was trusting in God too and knowing that he would provide for that bill that I had do and you know we’ve never had to worry. When you put that much trust in God, it’s amazing the results. Now I know some of you may not be Christians or faithful people but stay with me because having a budget is really important this is how we do things and this is why I’m sharing it with you this is what works for us.

Now–so that is one, that is the first thing we do with any money that we receive is that we tithe our money. Now additionally, it’s really important that you have a structure of some sort, whether you have a spreadsheet, whether you have a written note. Many people do it differently and I realize that there are certain things that just work better for other people and that doesn’t work for everyone else. It took me a good while to find the proper tools that I needed to be able to budget for my family because not only in my budgeting for my family but I am budgeting for four businesses as well. So it can be overwhelming and it can be really hard to keep track of and often times when we hit overwhelm we just don’t do anything and that’s not good; that’s often what happens-it’s like deer stuck in headlights. So you know you have to have the right tools, if something is not working for you don’t keep trying to use it, find something different.

So today I’m going to give you some resources and tools that I feel are very beneficial to you. For starters, Dave Ramsey’s program is a phenomenal program his book; The Total Money Make Over, is worth every penny and you can find that by going to trayerwilderness.com/totalmoneymakeover and that will take you directly to his materials. That book is highly recommended and I think every family should read that book because it points things out for both spouses and really makes it clear that it’s not something that one person should be doing but that the family should be doing that as a team, as a partner-you’re partners you should be doing this together. So that’s a really important part of things but his concepts are very strong and very solid and I highly, highly, recommend them. Now he also does an envelope program and–excuse me. One of the things that you want to check out that will also be helpful tool for you and your preparedness efforts is the preparedness worksheet that we are offering right now. You can go to our website by going to trayerwilderness.com/newsletter and you can sign up for our weekly newsletter. It comes out every Sunday and you will find in there are the downloadable sheets and one of which is a budget. Now that is pretty much going off of Dave Ramsey’s budget and his program. So that is a tool that you can start out with Dave Ramsey’s book also provides principles that are available to you. So those are the places I highly recommend to start.

Now as I said not everything works the same for everybody else, although Dave Ramsey’s materials are very solid, I had a really hard time using his budgeting materials because I have so much to keep track of so I did a couple things and I found the perfect set up for myself. One thing is I needed to carry the checkbook registers with me. I had to carry five checkbook registers with me in order to keep everything written in them was very, very, difficult. You know you only have so much space in your bags and I don’t like carrying a lot with me. I created a spreadsheet that is a checkbook register and in this spreadsheet I have different sheets in it for each of the businesses and our personal and I can keep track of my checkbook registers digitally or electronically which has been a lifesaving thing for me because on the fly I can enter any transactions, I know exactly what my balance is all the time because what was happening to me I was forgetting to write in receipts, so things are getting screwed up and I don’t like paying fees that was happening also because we do overdraft because I forget to write things in and I didn’t have the time to go back and balance the check books because I’m so busy. So it’s really a rough thing and I had to find a balance in that and I know there’s so many other people that are suffering from that.

In that spreadsheet I also have the main sheet being an overview. So I know what my balances are when just by looking at the one sheet of all my accounts. And in addition to that, at the back of my accounts or of my worksheet spreadsheet, I have information on there that keeps track of yearly payments and different things in there and that’s how I was initially keeping track of that. You know you took the yearly things I need to keep track of for the businesses, for personal if I had automatic withdraws coming out of any of my accounts I had them noted and which accounts they were and then the amount, so I had that all in there but it was still cumbersome for me to keep track of things that way. So I found another program that has been an absolute lifesaver to me and it’s a very inexpensive program, Dave Ramsey talks about Fresh Books, I tried that it just didn’t work for me. I used Quick Books for our businesses for our accounting and our tax purposes but to really keep track of our budgets. I started using a program called YNAB and it stands for You Need A Budget. You can go to their program and get a 34 day trial period with them by using this link it’s trayerwilderness.com/YNAB – You need a budget. I highly recommend that you go there and try the program out and then to continue on with the program after the trial period it’s like 4.99 a month it is the best money I have ever spent for my family because I don’t know–I no longer have to keep track of my yearly and monthly expenditures in a spreadsheet, I can do that in each of my budgets. I can go into each of my budgets one for personal, my businesses and I can tell exactly what to do every month I can and I can budget out extra things and then I can see the reporting of how I did each month budgeting. You know did I go over? Where did I go over? How did we go over? You know it’s really important to be able to see what you’re spending and that’s the thing that most people don’t do. I guess you do have a credit card you just keep jamming stuff on there, you never really go back and evaluate things, you never see where you’re spending too much, you never see how frivolously your spending because you’re really not analyzing it. Well if you have a budget that is right in your face all the time and that is what you base your spending off, Dave Ramsey’s spends through envelopes. He puts–has you put so much money in an envelope for your food, for your electric, for whatever your expenditures are and when that money is gone that’s it and this you need a budget that works very similarly without the envelopes per se but I still use the envelopes. But it is in my face budgeting program that has saved us so greatly and has helped us greatly with our medical expenditures and on medical debt it has really helped us get a handle on things and really see things in the big picture. Like I said, it’s really hard but what you need to sit down and really figure out what your level of debt is. It’s overwhelming, it may make you cry, it may make you mad but you need to see it, and you need to be aware that you can’t keep pushing it off and you can’t keep living as if it doesn’t matter, it really does and I know that’s how most people are living today. And it will by budgeting and by having a handle on things, the weight on your shoulders will be removed so much and for those of you that are handling the accounting things and the finances by yourself, when you get both parties involved it makes such a huge difference and that weight also is something that is removed from you as well.

Now as a closing thought for you folks, in addition to these resources that I have given you, there is one other resource that I think that should be listened to by every family and not just the parents but the children too. Joe McGee Ministries, Fighting For Families, is an amazing program and he talks about a lot like 90% about finances and financial struggles and financial fighting and how to get a handle on your finances. He also talks about raising children and balance in your lives and it is just a very wholesome 20, 30 minute program and we listen to it every week, I listen to it sometimes when I’m driving. I am very drawn and very addicted to listening to his program because it’s very solid, his advice is very solid, and his approach is a laugh and learn and it’s a lot of fun, it’s a lot of fun to listen to, it’s very humorous but you don’t forget what he has to share with you and I think that every family should listen to it. So you can follow him by going to trayerwilderness.com/JoeMcGee. But I highly recommend that you check him out check out, I got his materials, he’s got a lot of budgeting and financial materials available on his website and he often gives them away with his podcast for a small donation. So I highly recommend that you check him out and listen to him because it’s just-it’s just such a great tool not only for us adults but it teaches children how to manage their money and how to think about money. For starters, one of his biggest things is that we think poor and that is how most of us think. We’re in debt up to our eyeballs and we think poor. If you start thinking like a rich person and you start thinking in abundance, that’s what will happen. So I’m going to leave you with those thoughts today and I want you to really check out these resources because it has been a lifesaving thing for our family and something that we’ve been using for several years now and I am just thoroughly thrilled and thoroughly excited at where we are headed and how things have turned around for us like I said to you many times we went last year for six and a half months without an income. So to be able to move forward and turn that around is an awesome, awesome, thing. So I’m not just sharing this with you because I feel you need it, I’m sharing this with you because this is what I’ve lived and this is what I’ve experienced. So I wish you guys well, I hope these resources help you and I look forward to getting together with you again next Friday. You guys take care, feel free to reach out to me at survive@trayerwilderness.com, I’d love to know if you’re looking for certain topics, if you have questions, I’m always available. Thank you for your time and we will see you next Friday God bless.

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