Monthly Archives: June 2009

How I planned an elegant wedding for under $5,000

Since Tony and I just celebrated our first anniversary, and my sister-in-law is in the process of planning her own wedding, I’ve been thinking about wedding planning a lot lately. Before I started planning my own wedding, I believed that it had to be all or nothing: either an all out, extravagant affair or a quick run to the court house followed by a backyard barbecue. That isn’t the case, though. If you prioritize and plan carefully, it’s possible to get everything you want out of your wedding on a very limited budget.

I never thought I was the type of girl who wanted a big fuss on my wedding day. Looking back, though, I’m so glad we had a traditional wedding. It really was the most special day of my life.

Last year I wrote a series of posts on how I planned my wedding on a budget. If you’re in the middle of planning a wedding for you or someone you love, I hope you’ll get some useful information from my experience.

Getting your priorities straight.

Make a plan and set a wedding budget.

Planning a beautiful wedding ceremony on a budget.

Hosting an elegant reception without spending a fortune.

Dressing your wedding on a dime.

Minimize your wedding flower budget.

Do it yourself wedding ideas to save money.

It’s okay to spend more on what’s important to you.

How to buy wedding bands online without getting ripped off.

Planning a budget honeymoon.

As I planned my wedding, I also found a lot of great tips from one of my favorite frugal bloggers, Kacie at Sense to Save. She recently rounded up all of her frugal wedding planning ideas and reposted them. Check it out for some more tips!

Honestly, though, my advice for planning the wedding of your dreams on a budget comes down to this: Set your priorities, use the bulk of your budget on what’s really important to you, and don’t spend money on something just because wedding etiquette rules say you should. It drives me crazy when I hear people paining over how much they’re spending on things they don’t really care about just because they don’t want to be “tacky.” The wedding industry makes millions of dollars a year off these so-called etiquette rules. It’s no wonder they keep them alive.

This is your wedding. It should be a celebration of you, your relationship, and the people who love you most. Saving money on your wedding is the same as saving money on anything else — you have to do what’s right for you, and you can’t worry about what people will think of you. The most important people in your lives won’t care a bit how you choose to celebrate your wedding, and they’ll never ever think you’re tacky for saving money. They’ll just be happy to be there with you no matter how you choose to celebrate.

Easy ways to cut your grocery spending

grocery-shoppingIt was less than a year ago that I was frustrated with our $85-$100 a week grocery spending. I didn’t feel like we were being extravagant, and yet we couldn’t seem to cut our spending. Looking back, I realize that we were making a lot of mistakes. By making a few simple changes, we’ve cut our spending by $30-$40 a week without feeling deprived. That’s a savings of over $100 a month!

These tips may not apply to you if you’re already living frugally. But if you’re just getting started or you’re struggling to cut high grocery costs, this may be a good place to start.

Plan your meals around the sales.

Every week, we look at the grocery ads for both of the stores in our area. You can do this online at MyGroceryDeals.com. After looking at all of the sales, we plan meals based on what’s on special that week, or we plan to stock up on staples that are on sale to save money in later weeks. Make a list, and stick to it! Impulse purchases are almost always unnecessary.

Stockpile when staple items are on sale.

We cook a lot of chicken-based meals. One of the first things I realized when we started cutting grocery spending is that buying just enough chicken for the week was eating up our budget. If we needed three chicken breasts for the week, we’d pay as much as $4 a pound just to buy what we needed. Now that I stockpile, I’ve realized that chicken breasts go on sale for $1.99 a pound once a month. When that happens, we stock up with 12 or 15 chicken breasts, freeze them in serving sizes, and use it throughout the month. You can do this with other meats as well as non-perishable or freezable staples.

Avoid snacks and other extras.

When I took a good look at our grocery spending last year, I realized that a lot of what we were buying wasn’t for meals. It was extra stuff that may have been on sale or just looked good that we were throwing into the cart. Cutting out these extra purchases will cut your spending and make it easier to avoid snacking at home. In the beginning we cut out everything that wasn’t part of a meal just to get used to the concept of buying only for meals. Now we’ve been able to work healthy snacks back into our grocery trips by shopping the sales and limiting ourselves.

Drink water or iced tea instead of soda.

Seriously. I still struggle with this one because I enjoy drinking a diet soda with dinner, but you can cut your grocery spending by $12-$20 a month just by cutting out soda and packaged beverages.

Clip coupons.

I’ll be honest. I’m terrible at clipping coupons, and this has not been part of my grocery saving strategy. But if you find you have a knack for coupon clipping, you can save a ton by matching coupons with in-store deals. We typically don’t purchase packaged foods, so I’ve found that coupons aren’t very useful for us for groceries.

Add a “leftovers night” to your meal plan.

You can easily cut about $10 a week from your grocery cost by planning for six meals instead of seven. This is also a good way to clear out your refrigerator and avoid wasting leftover food.

Our $50-$60 a week grocery budget is considered pretty high for two people in the frugal world. Many frugal families of four are able to eat well for $30-$40 a week. But we consider groceries to be one of our few luxuries because we love to cook and eat.

What about you? How do you keep your grocery costs down?

Photo by B tal

Frugal date nights for around $10

coffee-and-dessert
Photo by justonlysteve

Now that we’re living on a cash only budget for all of our discretionary expenses, one of the areas we’re really cutting down is entertainment. We still want a little fun money, but we’re limiting our entertainment expenses to about $10 per week.

I’ve been brainstorming some things we can do for about $10 a week instead of going out to eat. It’s funny, but these are already some of our favorite date ideas. By cutting out the restaurant meal beforehand, we’re saving $25-$40 a night.

See a matinee.

I realize that in some places, you can’t even get two tickets to a matinee for $10 anymore. Some theaters offer special discounts on movies that have been out for a while or certain showtimes, though. Our theater offers a discount on the last matinee of the day, which brings the matinee price down from $7 to $5.50 per person, so we always go to that show. Find out if your theater offers any discounts, and plan your trips to the movies around their specials.

Pizza and a movie.

If you can’t go to the movies for $5 per person, then just stay in. Order pizza and pick up a movie at Redbox for a dollar. If you use a promo code, the movie is free. Pizza restaurants like Domino’s and Little Caesars are offering large pizzas for $5, making this a $5 date night instead of $10. If you’re like us and you prefer your homemade pizza to fast food, this date costs even less.

Take a drive.

We love to walk our dog around the neighborhood or our city’s downtown on nice nights. But if you’re tired of the same sights, consider taking a drive to a nearby city in the evening. Try to look at the things you may have seen a hundred times through new eyes, or just enjoy a good conversation. Some of our best ideas have come from long car rides.

Add a bottle of wine to a weekend meal.

Wine is one of our favorite ways to dress us a normal meal and make it feel special. There are a ton of good wines available at most grocery stores for under $10 a bottle. Adding it to your regular meal can make it feel like you’re on a date in a fancy restaurant instead of eating at home. Turn off the TV, set the table, and talk to each other like you would at a restaurant.

Coffee and dessert.

If you really want a treat or something to do after dinner, head out for a cup of decaf and some dessert. Sharing the dessert will cut costs and calories, but you’ll still get something sweet. I’ve always thought restaurants were fun, and this is a great way to dine out without spending a lot of money. Sometimes instead of going to a restaurant, we head to Barnes and Noble for a frou-frou Starbucks coffee drink and some book browsing.

What do you do for fun when money’s tight?

Menu Plan: 5/30-6/5

Our first cash grocery trip was a success! We put together a list, and then based on previous shopping trips and current sales I estimated the cost to be sure we were in the right range. I kept track of my individual price estimates for each item on the grocery list, and as we filled our cart I replaced my estimate with the correct price. I was only off for a couple of items, so my estimate was pretty close.

We ended up spending $9 under our $60 budget for a total cost of $51.63. That money will be put aside in our envelope to cover us in future weeks if we have to go over budget or hopefully it will make it to the end of the summer so we can use it for something fun!

I was definitely more mindful of our spending during this shopping trip than I usually am, but I don’t know if that’s because I was using cash or because I’m making an effort to spend less. I had an extra $30 in my pocket for entertainment and household expenses, so I can’t attribute our mindful spending to fear of spending more than we had. But I think knowing that we can’t just swipe our debit cards is making it easier for us to avoid overspending, since we know that this $90 is it for the week.

Kacie brought up a good point when I asked for advice on cash budgeting last week. She said cash budgeting made tracking expenses more difficult for her. Since I use Mint.com to automatically track my spending and budget, this is also an issue for me. My solution is simple: Mint.com allows you to split transactions and categorize them separately. Each week, I’ll save my receipts until our ATM transaction shows up on Mint, then I’ll split that cash withdrawal and categorize it according to our receipts. Whatever doesn’t get spent will remain “Uncategorized,” which means it won’t go into our normal budget. The only problem will be accounting for that extra cash when I spend it later. I’ll let you know if I come up with a solution to add that into our budget. It will only be a problem if I don’t spend it in the same month I withdraw it.

Here’s my $50 lower-carb menu plan for the week:

Saturday: BLT Salad
Sunday: Pork chops and green beans
Monday: Greek chicken salad
Tuesday: Chicken fajita tortilla soup (minus the chicken and tortillas to limit carbs and conserve chicken)
Wednesday: Mexican chicken skillet (Like a Mexican stirfry with peppers, corn, tomatoes, and chicken)
Thursday: Scrambled eggs and bacon (I’m not a big fan of breakfast for dinner, but it sure does save money!)
Friday: Barbecued chicken with corn on the cob

For more menu plans, visit OrgJunkie.