by Tammy Taylor~
If you follow us on Facebook you’ll know RancherMan & I recently received a crushing hit to both our hearts as well as our budget. We lost a prime young heifer in a freak accident. She’d already been weaned and was ready to be listed for sale – a hefty percentage of our annual income. I realize that when you raise animals for a living, these things happen but it never gets easy. We saw this sweet girl take her first breath of life and we were there with her at the end, giving her as much comfort & care as we possibly could.
But when you’re self employed these losses crush not only your heart but also your budget. We are a very small family-run business so a loss like this hits doubly hard for us and at a really bad time of the year – leading into the holidays.
We’re always very careful with our budget but sometimes the belt needs to be tightened even more. For us, now is the time! Here are a few things at the forefront of our minds for the next several weeks:
No Corporate Income?
I’ve written before about how we are able to survive without a corporate income. These important tips are even more important now.
The weather is beginning to turn colder and that often means the electric bill goes up. RancherMan & I are careful with our electricity usage which saves money in our budget.
Cooking meals from scratch using Cook-Once Eat-Twice is a valuable way we’re making sure to keep our grocery budget intact. I’m also storing our leftovers in glass so they all get eaten & don’t go to waste.
Make It Yourself
Staying out of the stores is important when your belt is tightened. I’ve written before about making our own laundry detergent and even a delightful scent booster for when I wanted a stronger fragrance for our clothes. I’m making my own sheer powdered makeup (and I love it, by the way!) Now’s the time for us to look at anything we used to purchase and ask ourselves “Can we make that ourselves?”
Not only does our monthly budget need attention, but the expenses of the holidays need attention too. This financial pop doesn’t mean we can’t continue with our comforting traditions. We’ve been on a path of a simpler Christmas for the last several years. This means our Christmas is filled more with meaning, less with ‘stuff’. That’s important y’all, read it again: More Meaning, Less Stuff. Some of the easy ways we’ve simplified our Christmas season:
Homemade From The Heart
RancherMan & I typically make our own Christmas gifts every year. Gifts don’t have to be expensive to be beautiful, heartfelt and well received.
Low Waste (and Low Cost) Gift-Wrapping Options
We ramped down our exorbitant holiday decorations a few years ago. Because our decorations are small there’s no need for the latest & greatest decorations to be added this year just so we can get rid of last year’s elaborate display. And RancherMan is beyond happy with our quicker (and way cuter) outside decoration idea!
So although our budget has taken a hit, we’ll incorporate these tips (and more) to get through it. What are some of your favorite ways to save money when times get tough?
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