The Money Saving Mom’s Budget

Several years ago, and far too late in life, I started to think about money in a more serious way than I had been used to. After years of living hand-to-mouth, it had finally dawned on me that my husband and I were responsible for making the lives of our children, if not wealthy, then at least as secure as possible. While searching the internet for money advice, I came across the Money Saving Mom blog. I subscribed the first time I saw it, and I’ve been a devotee ever since.

A great deal of what I know about money—whether it’s about budgeting, buying groceries, cooking, or self-control—I learned from Money Saving Mom. Everyone should read this blog, from start to finish. If you haven’t been following Crystal for the last several years, that might be a pretty big task. Fortunately, she has saved you the trouble by writing a book.

Click to pre-order

The Money Saving Mom’s Budget contains all of the wisdom and practicality of the blog, and in highly readable form. Not only do you get the benefit of all those years of blogging condensed down into a super-strength capsule, but there is some new content, as well. MSM’s Budget gently walks even the most hopeless reader through setting up a budget, learning to live within the means available, and (most importantly) learning to be content while living on less.

What I love about this book is the fact that Crystal (who will, I hope, forgive me for not calling her something more respectful, like She Whose Shoes I am Unworthy to Purchase Second-hand) never once tells you to do anything she’s never had to do. Even though she and her husband started out their married life ahead of the curve, in the sense that they had a little money to begin with and they had a better financial education than most Americans, they have walked the frugal walk in order to stay out of debt and reach their incredibly ambitious financial goals.

I have been known to sneer at certain personal finance “gurus” because they’ve never had to make it on $500 a month, but I can’t say that about this family. When you’ve been through law school debt-free, bought a house with cash, and started raising and homeschooling a family while doing it, that’s authenticity! As Crystal recounts in her book, there have been times that the Paines were downright poor by most standards, but they’ve stuck to their principles, and they’ve proven that life is better without debt!

There’s something else I love about this book. Crystal also proves that frugal is not the same thing as greedy! Every dime of profit made through Money Saving Mom’s budget will go straight to Compassion International. How sweet is that?

After reading Money Saving Mom’s Budget, I’ve even got enough gumption to try cash budgeting myself—something I’ve been avoiding for a while. This is a truly inspirational book. I think I’ll buy a few copies and “lose” them in the park or something. You never know who might benefit from a random encounter with Money Saving Mom. I know I certainly did!

Responses:

  1. I also love her site, I discovered the one month freezer planning days due to this site so helpful cooked 34 meals in one day and what a help it was that month.

  2. Wow – I will definitely have to take a look at her site! We’ve been debt free except for the mortgage for about 6 years now, and I must admit that I’ve never been tempted to add debt back to our lives, BUT I do have a hard time with the saving principle – I strain at our $50 a week grocery budget and I WANT to be content with it. I will definitely be checking out the site – thanks for the recommendation!

    I also LOVE the idea of blessing others through “losing” a book – that’s too awesome….of course, I’m so nosy I would want to know who got it lol

    PS Is it wrong that everytime I see MSM I think “Main stream media”? Maybe Money Saving Mom will change that for me ;)

    • We’re debt-free except for a small (almost done 2 years early!) car note, too. I seriously don’t know how to make it on such a small grocery budget no matter how much I read MSM. I think it has something to do with where we live. It’s more like $100 a week no matter what I do. Sigh. Let’s face it. There’s some talent involved in getting the absolute best prices every time, and a person with ADD and SPD is fighting a losing battle once she enters the land of bright lights, crazy smells, hurried people, and annoying sounds to purchase food and household supplies. And diapers. I still have two in diapers. I had to give up the drugstore game. I’m simply incapable of doing all that thinking in a brightly lit store. Ugh. :-(

      • But, you have a lot more mouths to feed than I do, too! I’ve only got 2 :) Really, it’s amazing – if that’s all you have to spend, then that’s all you spend lol There is A LOT of beans and rice eaten over here :)

        It’s just too much to add the drugstore game on top of everything else – just can’t do it all….

        • We’d eat more beans and rice if I didn’t feel like I was failing my husband every time I serve something he doesn’t like. ;-) No matter how I dress ‘em up, “they’re still beans”. Sigh. I told him, he’s just going to have to hush and eat his beans. He agrees, but I can still see he’s not happy on beans night.

          • LOL – it is exactly opposite in my house….I eat the rice and hubby eats the beans :) Actually, my guy keeps telling people that I’m starving him :) although there is always Mac and Cheese in the fridge for him (he’s the only one that eats it.) My new fave is actually chili – my daughter and I eat it just about every day….sometimes twice a day – great way to serve beans :)

  3. I so enjoyed reading your blog! I’d love to know how your cash budgeting goes. I actually prefer to use a system like that. I don’t like going to the grocery store and not knowing if I’m going over the “budget” because I don’t really have one. When I have cash in that envelope, I always know exactly how much I have, and that’s a secure feeling (most of the time!).

    • So far, so good! I do have 10 days left in the month, and a little less left over in the food budget than I expected to. Funny how that works out. If I were on my electronic budget, I’d be switching some money over from one category to the other right now. As it is, I’m just trying to figure out how that $35 is going to stretch. Seems I really do hate going outside the bounds of my cash budget more than I do the electronic one. Not a *huge* difference, but enough of a difference so that I can see I was wrong about it not mattering. :0)

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