any money saving tips?

Keshia - posted on 10/30/2010 ( 9 moms have responded )

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So me and my husband just got paid thursday and after paying bills we have $40 to last us 2 weeks I dont know what to do anymore Im so depressed from not having money he works full time but I only work 16hrs a week because if I worked anymore we would have to pay daycare so it doesnt really pay to work anymore we dont qualify for foodstamps they say we make too much money my son is allergic to milk and WIC wont cover soy milk and its like $3 for a half gallon Im hoping diapers will last us till next pay period because then we would only have like $20 oh and Im pregnant I just dont know what to do anymore it seems like everything is just going wrong and we cant get any help because we are married and they say we make too much money is there anything I can do to save money I use coupons but that just doesnt seem to do much is there anywhere I can go to get help?

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Keshia - posted on 10/30/2010

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thanks I think im going to look into the phone thing when my husbands contract is up also thanks for saying its going to be ok sometimes I dont think stay at home moms get enough credit I still work a little but Im constantly cleaning feeding changing bathing everything it just seems like I never get a break especially since having a baby Ive pretty much lost all of my friends Im always at home the only time I get out of the house is to pay bills go to work or going tot he store for something we need I hope my son is a good big brother when the new baby gets here and wants to help me ill need all the help I can get my husband works 3rd shift so sleeps during the day

[deleted account]

Here are some of the ways we save money:

*Lower your bills as much as possible. Our lights are always off, or only what is needed to see. I keep our thermostat set to 70 degrees in winter and 76 in summer. And that was when we lived in Florida. We live in upstate NY now and this past summer I only ran my air twice. Windows OPEN baby!!!

*For a long time, we didn't have cable or internet but once we got back on our feet we treated ourselves to those two things.

*For us, it was cheaper to also get the phone through the cable company instead of using a cell. I carry a prepaid cell that has no minutes on it, so that if I need to I can still call 911. Getting rid of our cell phones saved us a TON of money. Cable phone costs us $25 a month and our cell phone bill was around $125. No one NEEDS to talk to me THAT bad while I'm grocery shopping. They can call when I get home. We can no longer text. Big deal.

*Clip coupons and bargain shop.

*Buy generic.

*We got a BJ's card and buy in bulk on things like toilet paper, meat, wipes.

*Diapers? I started buying the Family Dollar brand about 6 months ago and there is absolutely no difference between them and the Huggies I was paying twice as much for. For $10 I get 40 diapers (size 6) and they last us almost two weeks. I'm sure your son is in a smaller size and you'd get even more diapers for the same money because the larger the size, the less diapers you get.

*Limit how much driving you do and that will save you gas.

*No fast food. Cooking at home is cheaper and healthier. It's also a good learning experience for your son. Now that we're back on our feet, we do go out to dinner as a family about once a month. Nothing fancy...usually just Applebees and we still order the less expensive meals.

*If you smoke, quit. This is one that my husband and I are working very hard to do. We haven't either of us stopped smoking completely but we have cut down to the point that we are smoking about 80% less than we used to. We were pack a day people (each). Now, a pack lasts me a week and the same with him. This is saving us a TON of money...plus it will keep us alive longer.



Most importantly, just breathe. If you sit down and make out a realistic plan, you CAN do it and get back on your feet. But you and your husband HAVE to both be on the same page or it won't work. Best of luck to you and, in case no one's told you lately, it's gonna be ok. You just have to keep trying.

Firebird - posted on 10/30/2010

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I disconnected my cable almost 7 years ago to save money. I don't miss it. My lights are almost never on to help reduce my power bill. Can you take on another child? How about you find a kid to babysit a few days a week in your home?

Iridescent - posted on 10/30/2010

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The WIC note has to be one of their notes, and a safe alternative. Soy is not considered a safe alternative as it's high in estrogen as well as too low in fat.

Keshia - posted on 10/30/2010

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my sons docotor did write a not sayign he can only have soy I took it to the wic office and they said they dont do soy milk he is just about 15 months ive been sitting him on the potty and he doesnt cry or anything but just wont go also ive thought abotu cloth diapers but didnt know how good they hold in everything and how good they come clean I dont think our town has anything like the food program all ive heard of is food stamps and my husband has a cell phone and im still on my parents my dad pays it because he knows I cant afford it I think im going to look into the cloth diapers maybe ill talk to social services and see if theres any help we can get

Iridescent - posted on 10/30/2010

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WIC covers any alternative milk with a doctor's statement showing the allergy and alternative to be provided. Since many of the alternative drinks to milk are not considered safe (soy, rice now) at that age, many doctors will instead prescribe a formula that is tolerated to get through the toddler years. If he does not have an allergy or intolerance to milk and you just say he does, a doctor will not write the statement and you'll have to continue buying the alternative yourself. That is completely up to you.

Depending how old your son is, you can toilet train. You can go to cloth diapers. Both options save a significant amount of money. Some areas have food programs that you can buy groceries for a reduced rate (usually only a day or two a month), without income restrictions. You can cut out unnecessary bills and options on bills (such as data on cell phones, etc).

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