In this post
I want to talk about money, more specifically saving money.
I know this can be a difficult topic as it’s a bit of a taboo, but I believe it is an important topic because if we don’t talk about money then how will our children learn?
Saving money and being frugal without coming across as cheap, Is all about making mindful choices that increase value and create less waste, making sure you can enjoy life without breaking the bank.
Let’s see how we can achieve this balance together.
Enjoy and don’t forget to comment at the end, I love hearing from you and subscribe to get access to FREE printables, newsletters, the latest posts and more.
Set Clear Goals
Begin by setting clear, achievable financial goals for your family.
Whether it’s saving for a holiday, buying a house, building an emergency fund, or planning for your children’s education.
Having targets helps guide your spending and saving money decisions.
If you are a regular reader, you will know we home-educate our children.
You can read about that here.
Like anything, you spend as much as your budget allows, but we are very aware and track our spending and goals.
Top Tip: Involve the Family
One thing that our parents didn’t do with us is not talk about money with us when we were young, or ever really.
Don’t let this happen with your children.
We ended up with thousands of pounds of debt, and it was the worst time of our lives, especially when it involved a baby in the mix, too.
Discuss your financial goals with your family.
Involving everyone helps to increase your children’s knowledge and awareness of money and can help towards the family’s goal of saving money.
Create a budget
A well-planned budget is a must if you want to achieve your goals and manage your money better.
List your monthly income and expenses, including fixed costs like rent or mortgage, utilities, and food.
Find the areas where you can cut back and put funds towards saving money.
Top Tip: Spreadsheets
Our favourite is a simple and customisable spreadsheet like this one, which is great for detailed tracking.
Subscribe to get this FREE printable.
Quality Over Quantity
Being Frugal doesn’t mean buying the cheapest option available.
Often, it’s more cost-effective to get high-quality items that last longer rather than frequently buy cheaper, lower-quality products.
That being said, I love a bargain,n and I love buying second-hand.
I love apps like Vinted where I can buy brand-new clothes and kid’s shoes with the labels still on at a fraction of the price.
DIY Solutions
Do-it-yourself projects can save a lot of money and provide a sense of accomplishment.
From home repairs to crafting gifts, there are many areas where a bit of DIY can make a big difference.
We did our kitchen ourselves, even though we knew nothing about tiling.
Luckily, now there is YouTube to teach us everything we need, right?
Doing our kitchen this way saved us a ton of money, and we also learnt new skills and are proud of the work we have done together.
Now, when we walk into our kitchen, we see our creation and are proud of it.
Top Tip: Learn Together
Turn DIY projects into family activities.
When we did our garden, even the kiddies were involved, and now whenever we are out, they say, “That’s mot”, lol.
It’s a great way to bond, teach valuable skills to your children, and save money at the same time.
Shop Smart
Being frugal means being a smart shopper.
Sometimes, bulk buying is a good option, especially for things like rice.
Take advantage of off-season sales and discounts for clothing and other items.
If you love staying on trend, I have a post on how to on a budget.
Look for sales, use coupons, and compare prices before making a purchase.
However, avoid buying things just because they are on sale.
Stick to your list, and buy only what you need.
I have a great post on meal planning and shopping by aisle that saves us money. Check it out.
Reduce, Reuse, Recycle
This old chestnut.
Have a minimalist approach by reducing consumption, reusing what you have, and recycling whenever possible.
This not only saves money but also benefits the environment.
Cook at Home
Eating out can be expensive, especially with kids who need more drinks because they have downed theirs in 2 seconds flat.
Cooking at home is a healthier and more cost-effective option.
Plan your meals, make a shopping list, and prepare dishes in bulk to save time and money.
Top Tip: Involve Kids in Cooking
Involve your children in meal preparation.
My girls love helping to cook meals, they are proud of everyone eating their dishes.
It’s a fun way to teach them about food, cooking skills, and the importance of saving money.
Take a look at these FREE downloadable recipes to keep meals exciting and budget-friendly.
Free or Low-Cost Entertainment
Enjoying family time doesn’t have to be expensive.
Find free or low-cost activities such as a walk in the woods, library, parks, or having a movie night at home.
Plan for the Future
Being frugal means planning ahead.
Make sure you review your financial situation and change your budget and savings goals as needed.
Consider setting up automatic transfers to your savings account to make sure you’re consistently setting money aside.
Top Tip: Emergency Fund
Always keep an emergency fund to cover unexpected expenses.
Educate Your Children About Money
Teaching your children about money from a young age sets them up for success in the future.
Use real-life situations to explain things like saving, spending, and budgeting.
We use an allowance system on a chore basis.
They complete a set of chores each day, and at the end of the week, they get their money.
If they don’t do their chores or miss one or two outthen their money is also reduced.
Read here about age-related chores and money-free rewards.
You could also play Monopoly to teach your children about money in a fun way.
Bee's Final Thoughts
Being frugal as a family means making intentional choices that you get value out of.
By using these tips, you can achieve financial joy while still enjoying the pleasures of life.
Thank you for reading my post!
Stay tuned for more tips on saving money and living a happier life.
If you found this post helpful, please share it, comment below and subscribe to Bee’s Blog for more family and lifestyle advice and FREE printables.
Bee 🐝
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The person behind it all
I am a Mumma of three, a Wife, a Home Educator, a Blogger and lastly a Chronic Pain Sufferer.
The most common questions I get asked are “How do I get my hair curly, is it natural?” “
“How are you so organised?”
“You must be really smart to educate your children, are you a teacher?”
and lastly “What is CRPS?”
I have suffered from chronic pain since the age of 10, it has been a daily struggle ever since.
I know thousands of people suffer as I do and I want to share what helps me and my expertise in CRPS, chronic pain and more.
So, I started this blog to share my answers to those questions, journey and experiences with you. I have always been passionate about health, personal growth, and creating a balanced lifestyle for myself and my family.
Searching for ways to enjoy life in a minimalistic way, be part of my children’s education and reduce stress and pain as a whole is important to me.
