9 Easy Ways to Save Money Right Now

It’s that time of year again when those once-a-year bills come in {like HOA dues and the like}, Holiday shopping begins, and extra expenses {big family meals, stamps for Christmas cards, etc.} pile up.  Everyone is looking for ways to save money.  Personally, Dave and I are in the final week of our Fall session of Dave Ramsey’s Financial Peace University.  We teach the class twice a year, and this year we have begun to issue a challenge to our class each week…a small way to save a few bucks.  In addition, my Small Group has been doing Jen Hatmaker’s Bible Study, Seven: An Experimental Mutiny Against Excess.  This week’s focus is on spending.  With all of this going on, I thought today would be the perfect time to share some of our ideas on how to save a bit of money.

Obviously, there are bigger and better ways to get more money this holiday season.  Whether it’s working extra hours, getting a side job, or selling the kids on Craig’s List…there are some drastic measures that are sure to work.  But what about the little stuff?  As they say, those pennies add up!

Here’s my list of 9 easy ways to save money right now:

9 Easy Ways to Save Money Today from Palmettos and Pigtails

-Don’t go grocery shopping this week…see how creative you can get with the items in your pantry and fridge.  And while you are in there, clean it up and organize it a little!  And while you are cleaning out your freezer, take an inventory of the food that’s in there with my handy Freezer Inventory List!

-Put a full water bottle in the back of all of your toilet tanks to displace the water in the tank, use less water, and save on your water bill.

-Save any $1 bills with significant letters on them {We save J’s, A’s and L’s in honor of our kids’ names}.

A great tradition and a way to save money: collect dollar bills with the letters of your kids' names on them

-Unplug electronics and appliances when not in use.  Big culprits in our house are laptops, the coffeepot and cell phone chargers.

-When paying for items, don’t use exact change….round up to the nearest dollar.  Save the change you get back, and each night empty your change into a jar…those coins add up quickly!

-Only drink water…no buying drinks or coffees at the store or restaurants.  You’ll save between $2-$5 for EACH DRINK!  {so put aside those $$$ you would have spent on the drink…and watch it add up fast!}

-Pay CASH instead of using a card….it’s a lot more painful to see those precious dollar bills disappear, than using that “magical” card.

-Establish a Swear Jar or a Manners Jar….each infraction costs a dollar out of one’s personal blow money.

-Get organized with your meals.  Use a weekly meal planner and Southern Savers to plan out meals and create a grocery list based on  your grocery store’s weekly specials.  Only buy what is on your grocery list.  My family of five usually spends about $80 a week on groceries.  That’s it!

Hope this simple list helps save you some cash TODAY!  Need a couple more ideas?  Check out this list of stuff you can sign up to do to get paid.

Got any others?  Leave a comment with how YOU save money during the holidays!

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{House Manager} Holiday Planning Guide with Printables

Every year it’s amazing to me how early Christmas arrives in stores.  This year, it was Kohl’s that won, with Christmas arriving in their store the first week of October.  Crazy.  We don’t do a ton of decorating or gifts for Christmas, so shopping each year is relatively stress-free for me.  When Santa comes, he brings one “big gift” per child, and then a few little things for their stockings.  So far, Dave and I have managed to avoid buying the kids anything “from us”….they haven’t noticed they didn’t get a gift from Mom or Dad.  And as for gifts for immediate family…we do homemade gifts from the kids and then school/family pictures to frame.  There are about a million cousins, and we’ve never exchanged more than Christmas cards with them.  So shopping is pretty easy, and all about the kids.

As for entertaining….different story.

So, so stressful.  But you know, in a good stressful way.  As in, I-wouldn’t-have-it-any-other-way.  I LOVE entertaining.  I love that we made the executive decision that {since we made the grandkids} everyone can come to us for the holidays.  Not to mention our Christmas Eve Brunch that we do for the neighbors each year.  But, the joy of entertaining also means the stress of cleaning, cooking and planning.

Holiday tradition of footy pajamas on Christmas Eve!  Palmettos and Pigtails

Last year, I finally got smart and wrote everything down.  I basically make the same food every year, but I always struggle to remember what I make, and fumble to find the recipes.  So last year I got organized.  And I made a bunch of documents that will go straight into our House Manager Binder.  Although, with the amount of entertaining we do, it may need it’s own binder soon!

Holiday Planning Guide with Free Printables to Keep Your Holiday Organized!  Palmettos and Pigtails

****Disclaimer****

Because I’m making this for my own personal use, I’m gonna give you access to the files.  However, you won’t be able to edit them.  But feel free to print them out and use them for yourself!  I got all the little buttons as free downloads from the digital scrapbooking site, Shabby Princess.  And I got the fonts (Pea Carol) from Kevin & Amanda…also free.  So technically, you can make your own version of these as well!  And if you decide to pin any of these images, please remember link them back to this page!! Thanks!

I’m telling you, there are a lot of printables in this file, but it’s really everything you need for planning your whole Christmas week.  Here’s a sneak peek of the Table of Contents.  See below for the links to each document.

Holiday Planning Guide from Palmettos and Pigtails: Free printables to keep you organized!

Click on each link to get to the Google Drive Document.  You’ll be able to download, but not edit.  You’ll see some items have two pages…they are the same document, but with different graphics in case you want to print two different sets!

Holiday Planning Guide Cover Page

Holiday Planning Guide Cover Page AND Table of Contents

December Calendar

Gift Planner

Christmas Card List

Party Planner 1

Party Planner 2

Holiday Baking Recipes, Page 1

Holiday Baking Recipes, Page 2

Event Planner

Christmas Eve Meal Planning

Christmas Day Meal Planning

Christmas Eve Shopping List

Christmas Day Shopping List

Meal Recipe Cards, Page 1

Meal Recipe Cards, Page 2

Thank You Note List

I’d love your feedback on this guide…did I miss anything?  What was the most helpful page for you?  Happy Planning!

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