Frugal Friday 565

 Happy Frugal Friday!

Here's how we saved money/spent money wisely/made extra money this week:

- Mark worked overtime and did some custom sewing work with his side business. I worked my travel business and helped clients plan last minute Christmas trips as well as Spring Break trips. Is travel on your 2025 plans? Let's plan together - a.riley@magicalvacationplanner.com

- Friday afternoon some of us had eye doctor appointments. We took a long an old RX set of glasses to donate. They were surprised and thankful for the donation. 

- Friday evening we had "fun dinner" - nachos - and then went to the library's Merry Prairie event. This event was smaller and less crowded than other years which was great! As always, the highlight was seeing the live reindeer. This year though, we noticed the kids were truly too old for it. Thankfully they each ran into some friends to hang out with. On the way home, Mark took the long way and surprised us by driving through the Masonic Home and downtown to see all of the beautiful lights. 

- I mentioned last week that we had purchased dance shoes on Cyber Monday. Unfortunately, the pair we ordered for Annabeth were too small. The company we buy them from requires us to pay shipping from them and also to return. Thankfully, I was able to sell them to another dancer at our studio for what we paid for them saving the $7 to return. 

- Saturday we spent the morning volunteering at our church's Potato Drop. We helped give out a HUGE amount of potatoes. Before we volunteered at this event, I always thought it was kind of silly - how could just handing out bags of potatoes help anyone? You would be amazed at the stories and kindness we encouter each year. 

- Sunday after church we drove down to Charlestown. We watched our Godson win his school league championship basketball game, celebrated Ebling-Riley Christmas, and saw the beautiful downtown Charlestown Christmas display. The Eblings hosted and cooked dinner so we brought fun coffee drinks, fruit cups, and dessert. I always help with dishes and clean-up. We are thankful to have officially kicked off our holiday season!

- Tuesday the kids and I made cut out Christmas cookies and decorated with icing and sprinkles. This was an item on our Christmas Bucket List. We make my friend Katelyn's amazing recipe and in honor of her we always give them away like she does. Owen took some to his Scout Christmas party, we served them at our Wednesday playdate, and took some to friends.

Icing and decorating

- We took a meal to a friend who just had Baby #4. We took pasta bake, bread, salad, and some of our Christmas cookies. 

- The kids wrapped each other's Christmas gifts this week. I was so incredibly proud of the kids and their choices of gifts for each other! Owen chose to support two small, local artists in his gift for Annabeth and Annabeth opted to shop a used bookstore, vs new, and was able to get Owen three books instead of one new. They both stayed in budget and found things the others would love. 

- We took our annual Hot Cocoa Walk with Owen. We prepare it at home from scratch and then walk downtown looking at lights together. It's such a special time together for Mark, Owen, and me. 

- Mark had the Coroner's Office Christmas party last night. The Coroner always treats his staff to a nice dinner and small gifts. Mark enjoys the evening each year. 

This week we had our final medical appointments, we hope!, of the year. One of which was a follow up to many appointments from the spring. One of us was awaiting news and test results. Last spring there was talk of surgery. I've been praying each day that the Lord would see fit to change that ending for us. This week we received the wonderful, amazing news that surgery will NOT be needed as the body is healing itself! Friends, I asked God for this specific thing every.single.day. It was a BIG ask but I knew I was talking to the One who could make it happen. Don't ever be afraid to take the smallest or biggest asks to God - he cares for them all! 

Happy Savings to All! 

Frugal Friday 564

 Happy Frugal Friday!

Here's how we saved money/spent money wisely/made extra money this week:

- Last week, Annabeth came home from dance and announced that one of her classes was doing a "Secret Santa." I am excited that she's got a great group of girls to dance with BUT we were nearly done with our Christmas shopping. In the end, once we looked at her Secret Santa's wishlist, I saw that I could make her gift work from items in our gift tote. Over the year, when I find a great deal I stock up on little things and add them to gifts across the year. It's getting harder as the kids are older and their friends want more specific things but in this instance she is a Harry Potter fan and we easily made that work! I am thankful that Annabeth understood the monetary value of the gift we were giving without the need to spend money out of pocket now.

- Saturday morning the boys helped with an Eagle Scout project in Indianapolis. I am so proud of Owen for going along to each project, learning new skills, and being willing to put in a lot of work. 

- Friday and Saturday evenings Mark and Annabeth had little dates. They ate pizza, browsed some local shops, and enjoyed time together. I think alot of dads aren't sure what to do with tween/teen daughters and I am really thankful that Mark keeps learning about things that interest Annabeth (like Harry Potter, sewing, etc) so he can continue to relate to her and spend time with her in a meaningful way.

- Friday night Owen I had a dress rehearsal and then Saturday afternoon/evening we participated in Prince of Peace's Bethelehem Walk. My friend Bethany (who was my middle school/high school camper many moons ago) is the coordinator of the event and it was great fun to play "leather merchants." My favorite part of the night, other than sharing the Gospel with 900+ guests, was cleaning up with Bethany and her girls. Watching Owen and her girls work together was such a special thing!

Leather Merchants

We were both thrilled to see the live camel.

The farmer was from outside Owensboro so we talked Kentucky as well!

- Tuesday night the kids had their dance Christmas party. They took along their teacher gifts - little bags of chocolates. (Thank you to my mom for helping with that!) Annabeth won some "Elf" socks and Owen won a Target gift card. They were quite pleased.

- Wednesday evening Mark, Owen, and I spent 4 hours wrapping gifts at the police department Christmas Wrapping Party. The police department coordinated gifts for over 100 families this Christmas. We are thankful to be able to serve our community in this way.

- The kids have been taking some library classes. Annabeth enjoyed creating circuits to make light-up Christmas cards. She is planning to give these as gifts to friends. Owen has been taking some Lego STEAM classes. I am so thankful for our libraries and their amazing classes that are free to us! 

- Last night I enjoyed the final mom's event for our co-op for the semester. My friend Billie hosted a Hallmark Movie Night. We each brought snacks/treats to share. It was a wonderful evening out!

Small Frugal Fail: Last Friday, we enjoyed the day at the Indiana State Museum with friends. A friend planned it as a field trip so the kids were free and our group just had to pay for a certain number of adults. We spread that fee over all the adults and each paid $8.50. While it was a savings off regular price, we could have gone completely free with a library pass. 

Tomorrow, we invite you to join us at Grace UMC in Franklin for our Annual Potato Drop! These potatoes are free for the public and we welcome you coming to pick some up. Even if you are not in need, you are more than welcome to come pick up for homebound neighbors, single parents, elderly people, etc that you  may know who could be blessed by extra food this season.

Happy Savings to All! 

Frugal Friday 563

 Happy Frugal Friday!

Here's how we saved money/spent money wisely/made extra money this week:

- Mark worked quite a bit of overtime. Unfortunately, the holidays are a very busy time of year for him. I also worked my travel business as I had guests traveling for Thanksgiving and many preparing to be gone for Christmas/New Year's.

- Friday we decorated the house for Christmas. I did a whole post on how we made old things "new" to dress up our 2024 holiday season. Always shop your shelves first! 

- Mark and I each spent some time in Owen's room and closet helping him get organized. At nine, he's beginning to bridge that gap between kid and tween and his room was really chaotic. Thankfully he was open to the help and did a great job sorting, creating new systems, and passing many things on. 

- Saturday evening we had Thanksgiving at our friends' house. They combine some family with some friends and do one big meal. We took along corn casserole and brownies. Mark got called into work so part way through so they sent home leftovers for him and Miss Shar sent home some of her delicious Chex mix for me. 

- Our pastors are doing a Grinch themed Advent Series. Both Annabeth and I serve on the Children's Ministry Team. Our team hosted an all ages "Grinch-In" (potluck) Sunday after church complete with food, games, Bingo, and a showing of the old Grinch cartoon. We took along trukey roll-ups (on spinach tortillas to help with the theme), Ramen slaw, and chocolate dipped pretzels with Grinch green sprinkles. Mark's mom joined us for church and the event. It was a great Sunday! 

- We each won a round of Bingo. The kids each chose Grinch cups with candy. I was the first one to win and Pastor Susan jokingly offered leftover spaghetti noodles - I happily took them as my prize! Mark cooked them up with onions, meat, and tomato sauce for dinner Sunday night. What a prize!

- We shopped Cyber Monday for the kids' dance shoes. The lists, thankfully, came out Monday and we were able to save $60 with Cyber Monday Deals!! This was very, very exciting! Owen needs the same pair each year and this is the first time I have ever found them on sale. With our huge savings we got three pairs for the price of two! 

- Wednesday morning Owen and I had a free coffee date. I cashed in a free coffee on my Starbucks app and Owen used a Scooter's coupon from the dance studio. We wouldn't have stopped without the coupons and were excited for the treat! 

- I had a friend wrap up a Cards for a Cause fundraiser with my PaperPie business. Her girls will be taking horseback riding lessons and they will be using the proceeds from their fundraiser to help cover those costs. I love helping people with this fundraiser! Want to run your own? Ask me how. 

- Wednesday night Mark and Annabeth had their Christmas Date. On our Christmas Bucket List, Annabeth had requested an Oreo and Christmas Light Date with Mark. He surprised her by picking her up from dance class and they drove around looking at lights, eating Oreos, and drinking homemade hot chocolate.

- Yesterday was our homeschool co-op Christmas party and bazzar. Families can volunteer to have a table at the event if they want. This year Annabeth made scrunchies and keychains to sell. Owen made fuse bead crafts and homemade cookies. They each took a lot of care putting together their items over the past few months by using items we already had on hand.  

Ready to celebrate the season!

Thankful for four years of learning together with our co-op.

- We did not take money to shop at the Christmas Bazaar. I realize that can feel counterproductive as our kids took things to buy, which means someone needed to buy them to make money, but it wasn't in our budget to shop. Owen did choose to spend some of his money as he earned it yesterday but we didn't spend any additional funds. It was what worked for us at this time. 

- Last night we had our annual Christmas with the Kranks movie night. We always make a ham (like in the movie) and this year we added rolls, salad and tried a new macaroni&cheese recepie from a magazine that Momaw gave us. The kids ask to do this every year and love this tradition! 

As we head into the holidays, one of the things on everyone's minds is budgets/money/finances. This time of year we can really feel how much (or little) there is in our budgets. It seems like every day is a new opportunity to buy a gift, donate to a cause, support a fundraiser, or chip in for a group event. 

It is the most wonderful expensive time of the year! 

I just want to share a gentle reminder: whatever you have, whatever you can give this year - it's enough. 

From the beginning we've done "small" Christmases for our kids without a lot of fanfare around the actual gifts and more around visiting with others, church services, looking at Christmas lights, and being with friends. Even still, we're aware that our kids will open far more than others. At the beginning of the holiday season, we have the kids make their bucket list and then we stick to it. Unless an opportunity presents itself that is free or completely within our budget - we say "no thank you." Can that feel awkward? You bet! Do I wish we could see every play, musical, and ice show - absolutely! Do I wish we could get every item on our kids' wishlist - maybe! 

In the end though, this holiday season is just that - a season. We have the whole rest of the year to live and we need to be mindful and careful about what we spend on our money on and how we spend it. I pray that each of you can find a way to move through this season in a way that is joyful and honoring of your financial goals. 

Happy Savings to All! 

"Brand New" Christmas Trees 2024

 A few weeks ago, Owen and I were in Walmart looking at Christmas lights. He has been asking for years to put Christmas lights outside, something we haven't done since Christmas 2010, I finally agreed and we spent $19 on lights for outside. While there, we were surprised by how many affordable Christmas trees they had. Since it was not the purpose of our trip, we did not buy any trees but I have been thinking about them since then.

Our first family Christmas tree was a hand-me-down from Mark's parents. They upgraded during a move and we happily took their old one. It worked in our apartment, first house, and in our current home for many years. One Black Friday, the lights had all died, it looked very sad and straggly, and so Mark bought us a 7 ft tree. It's been a great tree for us! We each receive at least 3 new ornaments each year (we buy each other one, each of the kids one, and the grandparents all give one to each of us) so our tree was very full last year. We were all a little disappointed that we weren't able to put everything on the tree last year which is what led to thinking of a new one. 

With lots of other things to spend money on, another tree just didn't feel like a top priority for Mark or me and so we made our old things new this year...

Somewhere along the line, hanging the star became the 

MOST beloved event of the year. The kids alternate years

and Annabeth was thrilled that it was her year. 

I love the joy on each of their faces. 

Our Christmas Tree

It's wired with white lights that have gone out. A few years ago, we purchased these inexpensive colored lights and have kept it rolling right along.

This year it's the "Kid's Tree" filled with their ornaments. They loved decorating it all on their own.

The star is a vintage star that we found at the Lynville Coal Mine Garage Sale.

Two years ago, Mark surprised me with this wreath. 

It's wired with lights. We do colored for Christmas and then keep it

up through March with white lights. This year Mark added some

colorful, sparkly ornaments to display some favorites that didn't fit on the kids' tree.

The deer are vintage that we purchased while engaged, the handpainted sign is from the CUMC

craft fair, the nativity was purchased at the 2008 Lakeview Dinner Auction, and I made the 

Christmas quilt square box many years ago.

This little tree is my most treasured Christmas piece.

I have loved it since I was a little girl and am so glad for a house with

big kids so I can have it out without fear of it being broken.

My Dad made this tree from wood from my childhood home.

We've had it on our porch several years but decided to put it indoors

this year so we can enjoy seeing it each day. I plan to keep up through the winter for the 

"happy light" that it gives off in our Reading Corner.

We have had this little tree for several years. It's a hand-me-down from my Momaw.

We left it in the attic the last three years because our house in basically one big 

open room, it felt too busy to have several trees out. BUT since we were looking at new trees, 

we opted to save that money and repurpose a tree we already had. This had been 

a prelit, predecorated tree but Mark just snipped off the giant ornaments and bows. We left

the pinecones and sparkly snow pieces and added all of our Disney ornaments to make it our

very first Disney tree! Total Cost: $0 

Every year since we started dating in 2006, Mark and I just gift each other

ornaments (never gifts) at Christmas. This year we began a new tradition of choosing a single 

ornament together. We picked this out at Magic Kingdom during our 15th Anniversary Trip.

When we got engaged, Mark and I decided that we only ever wanted antique, homemade, vintage, or truly meaningful holiday decor. Over the years, we've collected hand-me-downs, antique items, thrifted items, but never just random storebought items to fill spaces. I love that we have things from multiple generations of our families. I love having items we've found together on our travels. I love that our kids spent hours decorating, oohing and ahhing over ornaments while telling stories. Our home has four trees this year, all within sight of each other, we are never going to win a decorating award, but our home is cozy, filled with items that we love.

Before you go out and buy holiday decor - decide if what you have is enough. 

See if what you already own can be used in a new way. 

Dare to imagine a small, simple Christmas focused on a baby Who came for us all. 

Frugal Friday 562

 Happy Frugal Friday!

Here's how we saved money/spent money wisely/made extra money this week:

- Last Thursday evening to Sunday afternoon we were down south with my family. We were very excited that Mark was able to take Friday off to come along. My parents treated us to sushi dinner on Thursday evening and we caught up with our friend Helen there.

- Friday was our "Thanksgiving." Us ladies prepped the table, cooked, and such while my dad worked and Mark/Owen ticked three counties off of our count. They checked out Sullivan, Pike, and Knox counties.  Mark was especially excited to spend a long morning in Vincennes so he could show Owen where he spent his college years. For Thanksgiving my mama made turkey, rolls, green bean casserole, sweet potatoes two ways, and pumpkin pie. My sister made our family potstickers and dressing. I brought along apple dumplings. 

- Saturday we spent the day in Owensboro. We took a mini Thanksgiving to Momaw and enjoyed having the whole day with her. Some of the group went down to the river for an evening light show and holiday walk while others stayed back to visit with Momaw. I am so thankful for the precious gift of time.

- After church on Sunday, Mama, Mark, and Annabeth made a Costco trip. We did have a membership one year (we received it as a Christmas gift from Mark's mom) but did not renew it since several family members have one and we just tag along with them. Thank you to my mom for the gift of some groceries from this trip! She also sent home leftover marshmallows and stuffing mix from the weekend. 

- Monday morning we woke up without water. There was an issue in our town with the water. We went most of the morning without water and I was, at first, frustrated as I had hoped to knock out the weekend laundry. However, I quickly remembered a friend in North Carolina who just posted last week that they are finally not under a boil-water-advisory after the hurricane. They went more than a month without safe water - it was a good reminder that a morning wasn't any time at all. 

- Mark and I had a little date Monday evening while the kids were at a class. We used a buy one, get one free coupon to get sandwiches at Penn Station. We also picked up our library holds and ran into WalMart for a few items that had accidentally not come on our grocery order. It wasn't big or fancy but we didn't look at screens, held hands in the store, and enjoyed time together. 

- Tuesday my sister came to visit. She took Annabeth out on a special date for pizza lunch and to the Lego store. This was her birthday gift for Annabeth and she LOVED having a special day with just Aunt Lu. Annabeth chose a Harry Potter Lego set and they also cashed in free earring coupons at Claire's.

- While they had their date, my Dad, Owen, and I did Lawrence and Jackson Counties. In Lawrence Co, we had brunch at Magic Morning Bakery and the boys spent some time at the Army Surplus Store. In Jackson County we had lots of free fun at the Visitor's Center, John Mellencamp Mural, walking downtown, and then we visited the Reno Gang Graves. The Reno Gang committed the first train robbery in the whole United States just outside Seymour!

- Yesterday we hosted Thanksgiving for Mark's mom and us. Mark was on-call for the holiday for several agencies so we stayed home from a big family trip to IL to see the rest of the Rileys. Kristi brought turkey burgers and many sides. We made homemade Mac&Cheese, mashed potatoes, rolls, and the kids each baked their own homemade dessert. 

Mark worked the early morning hours and then

went out again after lunch. Thankful for part of Thanksgiving with him

and for all those who work holidays. He's been back to work this morning already.

- After a snacky dinner last night, I got a good outdoor walk in. It was just above freezing and gorgeous with all of the neighborhood Christmas lights. After my walk, we piled in the car to check "Look at Christmas Lights" off our Christmas Bucket List with a special stop at Christmas Acres. It was beautifully done and we loved that it was free! They do collect food for the InterChurch Food Pantry so we were happy to talk along cans for that. 

- Ahead of Black Friday, I did shop two sales. I was in need of winter boots (saved $20 on those) and also new tennis shoes (saved $40 on these). I typically buy tennis shoes every other year on Black Friday Sale. The new ones become my good walking ones and the old pair become my yard shoes. 

As today is Black Friday, it's a good time to remember that it's only a good deal if you need it. Don't need it? Don't even really want it? Don't spend the money!

Happy Savings to All!

Frugal Friday 561

 Happy Frugal Friday!

Here's how we saved money/spent money wisely/made extra money:

- On Friday, the kids went shopping for the Angel Tree at church. In the past, they have been able to shop for a toy, book, or game but this year our church is just doing giftcards. The organizer said that often times the teenagers get overlooked when people buy or they end up with gifts that are too young for them. SO this year our church is donating gifcards for teens to open. Each of the kids chose a restaurant giftcard. It wasn't quite as much fun as shopping for toys for others but they were each very throughtful in their shopping.

- I got an awesome coupon code in my e-mail from Shutterfly. I was able to make some photo items and only paid for shipping. Saved: $64.85!

- Saturday we drove down to Orange County and explored the French Lick and West Baden Resorts. It was the West Baden tree lighting and we enjoyed that along with a beautiful light show. I was looking forward to showing the kids these sights and it was it even more special at Christmas!

We had so much fun getting dressed up for the evening!

We walked to find safe dinner and it was great to explore the 

grounds while we walked. We can't wait to go back

to stay sometime!

The tree after the lighting duuring the light show

- Even though we got home late from the French Lick, the boys camped out in the backyard. They had a new tent they had been wanting to try and figured they should do it before the weather turned really cold later in the week. 

- Sunday after Sunday School and church we had lunch at Mark's mom's house. She served one of the kids' favorite meals and sent home lots of leftovers. Thank you Kristi!

- We had a busy week but I was reminded again and again how BLESSED we are to be busy! I am so thankful that this holiday season will be filled with get-togethers, family, and friends vs four years ago when we celebrated socially distant.

- One of us had a very expensive medical test run. We were both relieved and thrilled when the letter came that our insurance covered it in full! We are SO thankful for that! We have had many, many times when the bill would have come and been nearly full price so we are truly so grateful for good coverage from Mark's work. 

- After our Aldi shopping spree last week, I reigned in our spending this week with a $41 grocery bill. It helped that we had several meals with family/friends so we were taking a long just a few dishes or dessert. 

- While in Indy this week, we picked up some small gifts. The shop's profits all benefit the Riley Cheer Guild and we were more than happy to support that cause that we love.

We are looking forward to a week with family!

Happy Savings to All! 

Frugal Friday 560

 Happy Frugal Friday!

Here's how we saved money/spent money wisely/made extra money this week:

- Saturday and Sunday the boys camped in Brown County. This was to make-up for the camping trip they missed earlier this fall due to the hurricane. They tagged along with some friends this weekend and chipped in for food. The group also needed firewood so Mark took our pile from the backyard. We cut down a tree earlier this year and just saved the wood - now we know why! It was great to chip in without having to spend any money!

- On the way home from camping, the boys picked up Monroe County for our count as they had lunch at Mother Bear's Pizza just off IU's campus. Owen loved the pizza, cheesebread, and writing on their walls!

Pizza!

- While the boys were gone, Annabeth and I had a Twilight movie marathon weekend. In the middle of watching the movies, we cleaned house, did the final lawn mow of the season, went to a meeting for church, and went to Sunday School/Church. 

- Owen has stopped taking a medicine that he has taken for several years. While it was only $10/month, we are excited to have that $120 a year back in our medical budget! We've had a very, very expensive medical year with more bills coming so I am thankful for every penny we can save towards those bills. 

- Mark had the holiday off on Monday and so he did a long needed project of replacing our water heater. He has been limping it along with little, inexpensive fixes since 2018 but it was finally time. Mark purchased the water heater and then had a friend help him install it. We saved hundreds vs having a plumber do all of the work. 

- Mark dragged the old water heater down to the street with the hope that someone would pick it up in a day or two for scrap. Someone did the next day! Since we didn't have to pay the transfer station fee we saved: $50

- We had another big expense this week as our main car needed new tires. We have known since the summer that it was coming so we have been saving. We ended up missing some good rebate deals over Labor Day Weekend and mistakingly thought they would reappear at Columbus or Veteran's Day. They did not so we went ahead with the purchase this week as it was absolutely time! We did save 10% thanks to a First Responder Discount. 

- My friend Cat told me how she and her kids shop for groceries "based on their vibes." I have been thinking about it since she told me and we did it on Tuesday. We stopped at Aldi, which we never shop at, and Owen was thrilled to learn about the quarter system. We roamed the aisles, made up a menu as we went along, and the kids thought it was great fun! We did spend $90 which is $15 more than usual but they had crab cakes that we couldn't resist. I did another small grocery trip at Kroger to pick up what Aldi didn't have safely for Annabeth. Our budget can't stand to do this often but it was a fun on a week when I had zero motivation to meal plan or prep.

- We cleaned out our winter wear tote. The kids had several sock hats and mittens that were too small. I washed them and we took over to a Little Free Pantry. 

- My friend Alisha and her boys brought a whole trashbag of clothing over for us. THANK YOU all!! Both kids ended up with new clothes that fit now and some to grow into. Some items were too small or passed over by Owen (who doesn't realize how cool Michael Jordan and Nike are) so we are taking them next month to friends who have three boys. 

- I booked a hotel stay for one of the kids' dance competitions next year. The last two times we've been in that town we've splurged on a condo with two bedrooms and a kitchen as we were there many days. This year the schedule should be a quick in-and-out with most of our time being spent dancing. We're saving $1000 off what we paid last year by doing a hotel vs condo! 

- Last night was our co-op's Friendsgiving. We had the most beautiful night of fellowship with great food and a Christmas ornament craft from the Mom's Christmas Party  Committee. I am SO SO SO thankful for friends who believe what we believe about education and that we can encourage and build each other up.

Tomorrow is our first Family Day since August!! The kids and Mark have been so incredibly busy that we've been many combinations of all of this fall but no days with ALL four of us together. I've planned a fun Indiana County surprise for everyone and I cannot wait to just be together!

Happy Savings to All!