Painting on a Budget

IMG_4183

When we bought our fixer upper house, we knew we had a fair pile of projects ahead of us. Pretty quickly after that, we realized that to get all of these projects done, we would have to figure out how to do them all for cheap.

One of the most expensive projects is painting rooms. Painting requires a lot of disposable supplies and paint itself can be pretty pricey. So this is what I know so far about how to paint on a budget.

Do it yourself. Duh. This is the one thing that will probably save you the most. Painting is a pain in the butt, sure. You have to clean out the room and put your drapes down and tape everything off; it’s the worst. But its really not the hardest thing ever and there are some really good tutorials on YouTube that show you exactly what you need to do to get that not-so-DIY look.

Use free color matching service to get a designer look without designer prices. Lowe’s home improvement store will match paint to anything you bring in, whether its a pillow or a swatch of fabric to an old sample. This lets you get your high end designer color into more affordable paint, and on to your walls without tanking your budget.

Shop discards in the paint section. Every store’s paint section has a shelf or an end cap with already made colors that people have either returned, changed their minds about or never picked up in the first place. These gallons are deeply discounted because the store wants them gone and off the shelf, and you never know what color you might find. Take a quick walk through and you might just score.

Paint DOES go on sale. Sales aren’t just for holiday decorations and school clothes. Big box home stores put paint on sale during summer holidays like Memorial Day, 4th of July and Labor Day. Paint companies like Sherwin Williams offer coupons throughout the year, and there are frequently big discounts and Buy 2 Get 1 Free sales at home improvement stores around the holidays when people are likely to fix up their homes for guests.

Hang on to your disposable stuff and left over paint. Clean your brushes thoroughly, rinse out your paint pans, fold up your plastic drapes and drop cloths. A little effort after a project will save you money next time. Also hang on to your extra paint. Instead of tossing it and then having to buy a new gallon to touch up dents and scratches, you’ll already have everything that you need for free. Unopened paint kept indoors can be used up to TEN years after purchase. Opened cans of left over paint keep for around two years.
We had our dining room painted a grayish blue that I loved for years. Now I’m over it. The color that I picked to repaint was so close to the color we had painted our entryway, I decided to just use that old paint in the dining room and spent $0 on the new project.

Don’t forget to ask for your discounts. Lowe’s has a 10% off military discounts. Seniors, police, fire and students are also often offered percent discounts at check out. Also check out sites like RetailMeNot.com and AAA (if you’re a member) for offers like free shipping and percents off a regular price order. If you’re not sure if you qualify, ask the cashier “what discounts are available today?” The worst that can happen is they say “None.”

 

Advertisements

Spring at the Bailey’s

IMG_3445

Spring is in full swing here at the Bailey’s! There is so much going on here I haven’t had a lot of time here to post much at all, and I’ve been mostly using Instagram, but I’m trying to get better with that.

IMG_3353Preschool and kindergarten are winding down and we’re getting dates for move up ceremonies and back packs full of completed workbooks and projects. Abby will be in pre-kindergarten next year (basically the same thing as preschool) because of her December birthday, and I can’t believe it but Sam will be in first grade. When he started preschool I was a “My Baby is Growing Up” mess. Kindergarten I was ok. Now he’s a “grader” and I’m a mess again.

The weather here has been on and off hot and sunny followed by cold and rainy. We’ve been having so much fun doing outside things on the hot days. The other day I bought an 8 foot kiddie pool (not a budget friendly purchase but one that will definitely get lots of use). We’ve also done mini golf, IMG_3335lunches at the lake since there’s no charge for admittance for another few weeks, and visited the playground near our house that no one is ever at.

The rainy days have been for spring decluttering and working my side hobbies like crochet and Poshmark. Poshmark has been pretty dead this month but crochet actually picked up a bit so that’s nice. As far as decluttering, I’ve tackled our bedroom closet and the kid’s playroom (again). Jeff is working on a beautiful shelving unit for the playroom complete with reading bench that I can’t wait to install.

IMG_3422We’ve been participating in a No Spend May challenge with intermittent success. We have a couple of events that call for gift giving this month. Especially Mother’s Day and my sister’s High School Graduation, and of course some (not really) mandatory summer purchases like a float vest for Ben for when my mom opens her pool, summer shoes for all three kids after striking out at the consignment shop, the kiddie pool, and a dress for myself for the grad parties we have this month, which I actually got on sale for $9.99.

We’ve faltered a few times with our spending ban, but earlier this month I was still ableimg_3428.jpg to pay off my Mohela student loans and making some awesome progress with my next debt, a different student loan through Navient. At the beginning of the month it was at $3,220 and 7.25% interest, which is 2% higher than my next highest student loan. As we sit it’s at $2,800, and Jeff got some travel reimbursement through work, and all of that $245 is going right towards this loan. I’m really hoping to be able to pay this off by the end of the summer, and then I’ll be down to ONE student loan! I can’t believe it.

Last but definitely not least, the most exciting news for the season is that we’ve decided to have a family vacation next year! I’ve written about a previous family vacation before here. Other than over nights and day trips, we’ve never had a family vacation. If you follow me on Instagram, you know that growing up, I was used to week long camping trips and trips to the beach every summer. We had a camper and then bought a bigger one, went to amusement parks, ate out and did whatever we wanted. My parents were also drowning in credit card debt that they remortgaged the house three times to cover, became upside down on their mortgage, eventually divorced and last I checked, there are foreclosure proceedings beginning for my childhood home (my dad still lives there and we haven’t spoken since 2011 due to his alcoholism and other poor choices that I won’t go into).

IMG_3321Anyway, we were sitting looking at adorable lake cabins on the computer the other night, talking about how great it would be to take a real family vacation. We’d have our own place to stay and not worry about noisy neighbors or finding an affordable place to eat. A nice calm lake with no waves and a private beach is perfect for someone like me that is constantly worried about big waves knocking little people over and who’s running in which direction. We could cook our own food and grill out and take the kids out in a canoe. Then we looked at each other and said, you know what? Let’s do it! We’re thinking my loans will be paid off by then, leaving only Jeff’s student loans and the mortgage for debts, and the kids are only little for so long, its time to make some memories! We created a separate savings account, created a ballpark budget and figured out how much per month we would need to save up over 12 months to make it, adjusted our current budget and away we go!

I’m working on a Mid-Year Report type post based on the goals we set on New Year’s, so stay tuned for that! Happy spring!

What I do with Coupons

IMG_2256

Once upon a time there was a girl obsessed with coupons. She had a binder she brought to the stores with her and everything.

couponhoard
One of my couponing hauls c. 2011.

You see, she had just had a baby and felt like she was floundering at being a parent, and buying trunkfuls of diapers at bargain prices made her feel like a success at something. And she really needed that.

Plus the TV show about extreme couponing made it look so easy to fill a million carts with noodles and soda and only pay 34 cents for the whole thing.

Later, she realized how much time she spent researching, cutting and organizing coupons. This was probably around the same time maternity leave ended.

Surprise! The girl in the story is me! So yeah I went through this big couponing phase when Sam was a brand new baby. I watched the Extreme Couponing show, I studied flyers, I had a binder and a calculator that I brought to the store.

And the honest truth now? I’m not even sure I really saved all that much money. I remember one check out I had paid over $70 in coupons, but I was still paying more per month than I do now. And that’s even considering that I had two less kids at the time.

So what do I do with coupons now? We’re a family on a budget, I must be all over them still right?

Not really.

The big secrets to keeping within our $650/ month food and household supplies budget (including personal care items, diapers, wipes, everything I buy at the grocery store), are 1. Shopping at Aldi and 2. Meal planning. 

Even though I try every week to get the wide majority of the things we need at Aldi, there are a few things I go to another store to get.

Aldi does not accept coupons. Not that you even need them. Most of the brands they carry are house brands, so there aren’t any coupons in existence for them (except some fake ones that circulate around the internet intermittently). There are some national brands there, but leave your coupons home because they won’t be accepted.

Every week in the mail we get sent a P&G flyer. This is the. Best. Mail. Day. I go through it looking for the (very few) brand name items I get still. Then I peruse coupons.com and see if they have anything going on. I will jump brands and styles or whatever if I find a coupon that makes it worth while.

I usually clip 3-4 a week for a couple dollars in savings. I also pick up any dog related ones and mail them to my friend. Last week we found one that was BUY ONE GET ONE FREE 15LB BAG OF DOG FOOD. Win! I was so excited, and I don’t even have a dog.

Coupon Did You Know?: You can help military families stationed over seas by donating your expired coupons? Coupons up to six months old can be mailed to military bases all over the world. Find out how to help by clicking here!

My Coupon Do’s and Don’t’s

DO look at quantities and product size. Take the ones that say “When You Buy 4!” and throw them immediately in the recycle bin UNLESS you honest to goodness, completely and absolutely are going to use all of those items. Also, some coupons specify what size of product they’re applicable for. Pay close attention to this when you’re shopping or you won’t get your discount.

DON’T forget to compare the after-coupon price to the price of the equivalent store brand item. Don’t trick yourself into thinking that you’re saving at the register when you still pay more after coupons on the exact same item.

DO know the store’s coupon policy. Some have limits on how many of the same coupon you can use, or if you can stack manufacturer coupons on top of store deals. Don’t wreck your whole budget plan because of some ridiculous rules you didn’t know about. Other stores will double your coupon if they meet certain criteria. Get to know which day is Double Coupon Day and what amount is doubled and save even bigger!

DON’T forget to check expiration dates and get a total bum out at the register.

DO realize that your time is valuable. I got a little obsessed and went down the rabbit hole of coupon-dom the first time. To me, coupons are a tool to nip away at your grocery bill, not a life style. I know that there are people who are coupon scientists, and can leave a store with car loads of free products. And even some who make almost a salary selling their stockpiles, or even donate their haul to women’s shelters and other organizations. These people are amazing and get all the kudos. But other people who don’t have that talent (like me), need to realize its ok to skim the newspaper and save a couple bucks a week, and not really shoot for the carts of free product.

DON’T forget to keep your eyes peeled for peel off and sticker coupons, and discounted produce and meat. When I shopped at another major grocery store chain, I would always  get organic salad boxes for next to nothing because some of the packages were close to date and were up to $2 off per box.

Coupons are also available for non grocery things. Every year we go to the same restaurant for our anniversary and I always bring a 2 for 1 coupon I cut out of the local penny saver. I still love coupons, its just that now, coupons are a small part of my bigger money saving plan, not the whole thing.

 

Easter

IMG_2600

Easter has always been a special time of the year for me. I remember being a little girl and being so excited for being with family and having a big family meal and being all together.

IMG_2543

As Christians, this is when we celebrate the resurrection of our savior Jesus Christ, and I’ve always felt very close to Him this time of year. The first time as an adult (I think I was like 20) I felt a pull towards dedicating my life for God was around this time.

I was driving to my job at a laser manufacturing plant (for real) and the sun was shining and the weather was finally warm that day. I was flipping through the radio and for the first time ever I heard a Christian radio station. I started listening to it every day on my way to work and reading random passages in the Bible I had gotten in chatechism in like elementary school. Of course I’ve drawn closer and strayed many times over the past 10 years since then, but Easter is always a time when I feel particularly close to God.

This year I’vIMG_2605e been doing the Gospel of Mark Bible Study by Lisa Harper and I really love it.

 

Winters are always long and hard here in New England, so the warm days go spring time are definitely welcome. This year it was over 80 degrees! Including step siblings there are 6 of us, plus significant others and I had everyone over for a buffet style brunch.

Like a good Italian girl I made braciole, a delicious stuffed beef slow cooked thing. Also two breakfast casseroles, Belgian waffles with all types of toppings, we had ham, candied carrots, and so many things I can’t remember.

IMG_2542I love my decorations this year, especially these carrot things I got from clearance (plus a coupon!) at Michael’s. I also used one of our old wedding centerpieces to make the canister of blue eggs (which I also got from clearance), and wrapped some garden twine around it. I use the old centerpieces a lot and even though I’m the Queen of the Purge, I’m really glad I kept a few. And yes, there are always toys on my floors 🙂

Anyways, as far as budget friendly tips for family gatherings, keep your decorations minimal. Reuse what you already have and shop the clearance sections. Make sure you have a plan and stick to it, including an accurate head count and what you plan to serve. I always do smaller portions of more types of things and go buffet style vs a sit down plated dinner. Lastly, keep a little list off to the side of things you don’t buy right away, so that when people offer to bring something you can let them! Most people who offer to bring a dish really want to help, and you can make sure it fits into your vision if you plan ahead. I had my brother bring all the drinks, my step sister-in-law brought a fruit salad, and my mom and step dad brought some sides. The is all stuff I wanted to have, but I knew someone would offer to help so I didn’t get myself.

IMG_2628

One more thing to go along with this adorable picture of the kids; I got Abby’s dress on Carter’s for $2!! There was clearance, free shipping and I had a $10 brand loyalty voucher. It was awesome. And she obviously looked adorable. Ben is in pajamas because he grabbed a cup of juice off the table and spilled it all over himself, but I think he still looks pretty cute.

Happy Easter!

There are Sacrifices to be Made

IMG_2194

When we got married and started out on our own we were young, 21 and 22, but we didn’t care.

I had just graduated nursing school and passed the boards four months earlier, and Jeff was in the Marine Corps and working an entry level tech job.

So we had nothing. We bought a couch and a love seat for our tiny 650sqft apartment and everything else we had was a hand me down.

Eventually I replaced our black folding card table dinner set for a family antique after an elderly aunt and uncle went into a nursing home. I loved it. It has big claw feet and was old and wasn’t foldable. And that’s what we’ve been using for about 6 years.

Honestly, the love affair is over. The top wobbles and the veneer is starting to peel back again. And it’s just not my style.

I decided that since this year for Easter I’m having over all of my siblings, step siblings, spouses etc, that this would be a great time to replace the old table with something brand new to us. I picked out a really nice one after weeks of looking and comparing. I picked up extra shifts at the hospital and finally got all of the money together to buy my new table and a 3 person upholstered bench. That’s it up there in the photo from the Wayfair site.

Except I can’t do it. I can’t bring myself to spend the money knowing that we still have debts and things coming up that need paying for.

So I’ve sacrificed my new table for now. I took $360 of the 900 I’d saved up and used it to pay off a small student loan, and that helped ease the pain. I guess ole’ claw feet can survive another family gathering.

Maybe I’ll just get a nice tablecloth?