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Marietta Taylor

Helping Women Find A Taste Of God's Blessings

I wanted to share with you a devotional that was included in my first newsletter. I’ll be sharing devotions here. I pray they are encouraging to you.

Peace Has Three Rs

She was losing it and her therapist told her to “Relax, Relate, Release.” That phrase has stayed with me even though it’s been years since the television show ended and longer still since that episode aired. I think I’ve never forgotten it because I thought it was pretty good advice. Don’t get uptight. Relax. Don’t just complain about the person. Find a way to relate to them and try to work it out. Don’t keep holding on to that baggage, bitterness and frustration. Release it and find peace. Sounds pretty good doesn’t it? But as good as that advice is, I’ll give you an even better trio of R’s. Recognize. Receive. Rejoice.

Recognize that God is God. He’s in control of everything. We don’t need to figure it all out. We don’t even have to know the master plan or see the big picture. That’s God’s job. What’s our role in this? “For we walk by faith, not by sight.” (2 Corinthians 5”7). Our role is recognize that we are free to simply follow and trust. Why take on more than you have to?

Receive the blessings God has for us. My disclaimer here is that it might not always be wrapped in the beautiful paper and pretty bows we’re expecting. Sometimes it comes in a form that looks and feels like death or pain. You know, the dirty dingy box with the damaged corner and the soiled brown paper? Well that may actually contain a beautiful gem of a blessing. We won’t know until we accept it, open it and receive the thing inside that eclipses the unattractive outside. But also enjoy receiving those blessings that arrive in full regalia leaving no doubt as to its purpose and origin.

Rejoice in the Lord always! I will say it again rejoice! (Philippians 4:4). Why is this good? God gives joy when we rejoice in Him. In Him we find everything we need for He is the creator and sustainer of all. One way to rejoice is to life your hands in praise to God. If we are holding on to problems, bitterness, anger, sadness, when we lift our hands we loosen our grip on it. That allows God to freely take it from our hand and place it in His. And because we recognize He is in control, we let Him have it. He then fashions it into a blessing, which we then receive back in our open and outstretched hand. Rejoicing brings us full circle back to the One who always was, is now and always will be. That’s peace at its best!

Now go Recognize, Receive and Rejoice!

As we get ready to count down the final days to 2011, I am getting a lot of emails about finishing the year strong. I’m being told to start thinking about 2012, what my goals are and what changes I want to make.  I got some news today that made me realize that I don’t have to wait until 2012 to make a change. So….

I’m going to be changing my website and it’s focus over the next few weeks. While I am still about being frugal and doing it elegantly as much as possible, I’m really ready and able now to focus on the source of that philosophy. I’m stepping out in faith and following my passion and calling to help women really find ways to live out the verses I received as a ministry verse a few years ago. The verses are Isaiah 61:1-3. In the New King James Translation verse 3  talks about having  beauty for ashes, joy for mourning and praise for heaviness (or despair). That’s what I desire for women going through stuff. It can something big or small. It all affects us, which affects those around us. And I want the good stuff for us all. And God does too.

Please join me as I embrace and move forward with something I think is wonderful and life-changing. I’ll be starting a bi-monthly devotional.  Look for the post about it in the next couple of days. I’m excited for everyone joining me as I step into something that’s kind of old but kind of new too. Invite a friend or two and let’s get our joy party going!

FRUGAL BACK TO SCHOOL SHOPPING

 

 

It’s that time of year again. Yes, time to send the kids back to school. For us frugal minded parents, this is not exactly a fun time. School supplies and clothes can be quite expensive. Never fear, my frugal friends, I have some ideas that may help ease the pain we feel in our purses.

 

One very good thing you can do is to take advantage of tax weekends in your state. Some states offer a tax-free or reduced tax weekend on qualifying purchases such as shoes, clothes, school supplies and some computers purchases. You can check online to find out when your state is hosting their weekend, as well as a list of qualifying purchases. This is a yearly event, so if you’ve missed this year’s weekend, no worries. You already have a feather in your cap for next year. Many stores also offer special deals on tax weekend so check fliers to make sure you shop the stores with the best deals for what’s on your shopping list.

 

Speaking of lists, make one. Don’t go shopping without one because you will surely spend a lot more than you intended. A list helps prevent impulse shopping. On your list include the items you need to purchase and the quantity. For example, don’t just say you need pants for your son. Have him try on what’s in his closet and then determine the specific quantity you need. Also include which stores have the best deal on the item you need to purchase. I would even include price. This helps because you might be in a store with an unadvertised sale that will save you more money than the store on your list. You need to know the price you were going to pay to make that savings determination. Include on your list if you have a coupon. Don’t forget to take the coupons from the stores’ fliers along with you. While they usually keep an abundance of fliers handy in the store, you never know if you’ll arrive just when they’ve run out! Lists also help save on gas. By knowing which stores you are going to visit, you can map out the bet route for visiting each store.

 

Another important component of frugal school shopping is to have a budget. By making and sticking to your budget, you’ll be less likely to overspend. I’m a proponent of school shopping with cash. As you make each purchase, you can visually see how much money you have left. This is a strong motivator to stick to the budget.

 

You can also shop online. Many big box office supply stores offer good deals on school supplies and school related electronics during back-to-school time. Take advantage of them. If you use twitter, you might even be able to score an online coupon. That happened to me recently. I tweeted about how excited I was to receive two coupons in the mail from one big box store. Later that evening, they sent me a coupon code that was even better than the ones I received in the mail.

 

If your child wears uniforms, think about setting up a clothing swap. Depending on the style of uniform you might be able to include parents from other schools. You can advertise in the neighborhood or even use craigslist or meetup.com . You might even be able to get the school to advertise the swap, as a service to parents. There’s definitely no harm in asking. Even if your child isn’t in uniforms, a clothing swap might still be a good idea. It’s completely free so why not give it a try. It would definitely cut down on your clothing budget this season.

 

If your child doesn’t wear uniforms, I have two pieces of advice. First, don’t get carried away with designer labels. Sure, kids want designer clothes because “everyone else is wearing it”. However, the money spent on one designer piece of clothing could buy several items that don’t sport a designer label. This approach may not be popular with your child. But remember, once you put on a top, no one can see the label on the jeans anyway. There are always nice-looking designer knock-offs. And if you simply must buy the “label”, shop at a discount designer store like T.J. Maxx or Marshalls. The same rule applies to school supplies. There’s nothing wrong with buying store or “off” brand school supplies. A pencil is a pencil. A plain ten cents folder holds the same papers a $1.79 folder. Be strong mom and don’t give in to the “but it’s so cute” plea.

 

My second piece of advice is to simply buy less. There are sales going on throughout the school year. Fill in where clothes have gotten too small. If 5 pair of jeans have bitten the dust, then just replace those for now. Don’t feel pressured to buy enough clothes for a small village. If you haven’t already done so, add a category to your budget for clothing and buy a few items each month. This keeps their wardrobe fresh. In addition, it may keep you from having to replace everything when your child hits that unexpected growth spurt later this year. And with the items you do purchase, make sure your child can easily mix and match them. This makes it easy to extend their wardrobe by creating several outfits from a few basic pieces.

 

These few simple tips will get your kids back to school without blowing your budget or burning a hole in your purse. Go forth and save!

It’s March! Spring cleaning time. One thing you can do in March is make some adjustments to your finances, the CLEAN way.

Coupons – Use coupons when you shop. it might not seem like you’re saving a lot. On each trip, you may not save a bundle. However, if you add up those savings over time, you will see a difference. If you keep putting droppers full of water in a glass, eventually you will fill it. Saving is the same way. Every little bit adds up to much in the end.

Lights Out – Don’t forget to turn off lights and other electronics like video games and TVs when you leave a room. Just that small action will begin to show a difference in your light bill. The good kind of difference :)

Eat at Home More – If you eat out a lot, cut back. Eat more meals at home. Take the money you would have used eating out and save it. Tally it up at the end of the month. You’ll be surprised at how much you have. Use it to pay off or down a bill. Or just deposit it into the savings account. Cha-Ching!

Adjust your budget – Look at making small cuts to your budget in areas like entertainment or clothing. Find free or reduced costs entertainment. Shop consignment shops. Heck, shop your closet. You’ll be surprise what you forgot you had!

No spend month – Decide to have a no buy month. No eating out. No shopping (except for groceries). You pay bills, buy groceries and that’s that. Again, any money you save goes to a bill or to your savings account.
Let me know if you do any or all of these things. I’d like to know how they work for you.

This the month of resolutions. Many people resolve to exercise more.  Because of this, many stores put exercise gear and equipment on sale. Unfortunately, people buy these things and in quick order, they are cast aside as the resolve fades. So I thought I’d offer a few suggestions. Don’t spend a large amount of money on exercise equipment.  If you aren’t already in the habit of exercising, you might wind up wasting money.  What are your alternatives?

  FREE

  • Try simple exercises at home. You can use music in the background to make it more interesting. There are many past issues of health and wellness magazines that provide exercises you can do at home for free. You can check them out at the library (again that’s FREE).
  • Take up walking. Unless you don’t already own a pair of sneakers, this is also FREE.

  • Rent exercise videos from the library. This is a good way to see if you like a video without spending cash for it. If you like it, then see my low cost options below.

  • There are several websites that offer free online excersie. There are exercise plans already setup based on your sex, age, weight, height and your exercise goals. Videos of how to correctly perform the exercises are included. An example of this would be www.fitclick.com. Other online exercises are videos of professional trainers or printable worksheets. You can check out www.exercisetv.tv or www.workoutz.com to see for yourself. My disclaimer here is that some exercises may require equipment you do not have, like the big exercise balls. Start with exercises that don’t require extra equipment. Then when you’ve successfully established a routine, you can move this idea to the low cost option as you purchase a few additional items like dumbbells or resistance bands.

  • Find out if your friends have any equipment they aren’t using, perhaps from past new year’s resolutions. Maybe they’d be willing to let you use it!

  • Dance, dance dance. Turn on some music and dance up a storm. It’s great aerobic and cardio exercise. And it’s FREE!

  • Clean your house! Haul out that trash, vacuum, dust and haul laundry. When you;re done your house is clean and you’ve burned a bunch of calories!

  • Use the stairs. Have stairs in your home? Walk or run up and down them for exercise. Stairs at work? Great! Use them instead of the elevators.

  LOW COST:

  • Buy an inexpensive exercise DVD. That’s minimal investment. This is different from my online video suggestion in that you get to select the trainer and the program. If you;ve already rented it from the library, you already know you like it and are not wasting your money.

  • Take a class at the park district. This is much cheaper than the fancy heath club.

  • Buy just one or maybe two pieces of inexpensive exercise equipments. Examples would be dumbbells, fitness balls, pull-up bar or resistance bands.

  • Find a local pool where you can swim for cheap.

If you find yourself sticking to your exercise commitment, great. That will give you reason enough to spend extra money if so choose later. In the meantime, get going, for free or cheap. Enjoy!

Summer Fun-Picnics

By Mari Taylor
Filed Under Food, Fun | Tagged With: , , , , , | | 66 Comments»

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It’s officially summer and it’s time for some fun. Summer is great for spending time with family and friends and I’ve got just the activity for you.

If you live near a park, have your own backyard or a backyard you can “visit”, have a picnic! I don’t really see many people doing this much anymore, but it can be fun. It doesn’t have to be fancy but it certainly can be frugally elegant fancy. If you need ideas, keep reading. If not, still keep reading :)

Your first question might be, “What else can we pack besides sandwiches?” I’m glad you asked. Why not pack some deviled eggs?  Be sure to put them on top of an ice bath so they don’t spoil! These are easy to make and are relatively inexpensive as well. If you like coleslaw, that’s also an option.  A creative way to transport it is in Chinese take-out boxes lined with wax paper. You can get the boxes at arts and craft stores for about 30 cents each or less. To be really creative, you can decorate them. This is especially fun if it’s a family picnic. Don’t like coleslaw? That’s fine. I’m not a coleslaw girl either :) You can bring salad instead. Put in some chicken or tofu for protein. Add some fruit and nuts (if no one has allergies) for variety. Another non-coleslaw idea is pasta salad. An orzo salad with mix-ins of your choosing is both inexpensive and filling.  All of it is portable in a cute little take out box!

 


There’s always room for cheese and crackers. To add a new twist, use pita chips instead of crackers. Using a soft spreadable cheese also makes serving a bit easier and it looks fancier .  Grab a dab of cheese, spread and you’re set!

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You can also never go wrong with the old picnic staple of fried chicken. Oven fried works for this as well. Have vegetarians in your picnic party? That’s fine. In addition to the chicken, grill some soy burgers or mushrooms.

Now if you really do want sandwiches, I’ve got an idea for you. An easy and fancy looking sandwich to bring to the picnic is a pinwheel sandwich. You can be really colorful if you use tomato or spinach tortillas. You have many options with these sandwiches. You can even please a vegetarian with them by making some with black beans or carrots or cucumbers. There are plenty of options.

Subs are also a good option. These can be preassembled at home or right at the picnic.  You can also do “regular” sandwiches with a twist by using foccacia bread, bagel thins, sandwich thins or pita bread folds.  Try some new spreads for the sandwiches. These are simple ways to create new picnic traditions!

Fruit is great to pack.  It’s healthy and can add a bit of sweet to the picnic. That’s in addition to the sweet company you’ll enjoy of course. If you freeze some grapes or cut strawberries, they make great ice cubes for punch. How’s that for a simple way to add some “wow” to your feast.

For dessert, you can go simple with cookies or brownies. If you want to take it up a level, try cheesecake bites.  You can create these using no bake cheesecake mix and cupcake liners to create the small, bite size treats. This is also another part of the meal where fruit can do double duty.  A cup of fruit with a glaze or even some fruit salsa with cinnamon tortilla chips makes a great dessert. It’s simple but elegant.

So this weekend, why not do your own picnic. I bet you’ll add it to your summer fun ideas list! Enjoy!!!

Friendly Get Togethers

By Mari Taylor
Filed Under Fun, Travel | Tagged With: , , , , | | 1 Comment»

 
  
So, when was the last time you got together with friends and didn’t spend a lot of money? What about for a weekend out of town? How much did you spend?

My last “get-together” was actually a girls’ trip. It’s been a long, long time since I did that. Even though we traveled out of town, it was still a fairly reasonably priced trip. We were going to a Lifeway Event. The tickets for that were around $40.  That’s pretty inexpensive for a two-day conference.  We drove so the cost of gas was split between 4 people. Very economical. Lunch was at Burger King. I wish I had been thinking, I would have packed us all a lunch. Ah, next time. I think I got caught up in the excitement. We only needed the hotel for one night. That cost was also split between four people. Since it was a Residence Inn , it wasn’t nearly as expensive as a more traditional hotel. I spent less than $25  for a hotel in the DC Area.

For dinner, we splurged :) We ate at P.F. Changs. But even with that, we spent less than $20 each. My meal was around $15. Breakfast was free. YES! The conference offered Chick-Fil-A sandwiches, a drink and chips for $5. So that was lunch. We made it back home without having to eat again, though I did one additional splurge on a Caramel Apple Spice at Starbucks. Yep, I consider that a splurge.

All in all, the cost of the trip for me was around $130 when you include gas. That’s pretty good for a girlfriends weekend out of town. No,  I don’t always do this. There are other get togethers that are shorter, cheaper but just as much fun. My next one is going to be a dessert night. That may sound expensive but if everyone brings a dessert with just enough for everyone to get a sample, it’s quite budget friendly.

So what fun yet inexpensive get togethers have you participated in? Do share!

Just As Good As

By Mari Taylor
Filed Under Food | Tagged With: , , , | | 7 Comments»

In my book, Surviving Unemployment Devotions To Go, I talk about making “knock-offs” of restaurant items. You may wonder if I still do that now that my husband is no longer unemployed.  Yep, I certainly do. And I’m going to share one of those knock-offs with you. Fun, huh?

Now, many of you may love Starbucks for their coffee. I don’t. What I love is their Caramel Apple Spice. To. Die. For. But, it’s too expensive to purchase every time I crave one.  What’s a girl to do? Shoot, make her own at home that’s what!

I take one envelope of instant Spiced Apple Cider and add some caramel sundae syrup. Yes, it’s the kind you put on ice cream. I then add about 8 ounces of hot water.  Sometimes I add a dash of cinnamon.  After a little stirring, I add whipped cream and drizzle with more caramel syrup. After taking a sip I say, “ Starbucks who? ”

How economical is this? Let’s tally.

10 packets of Spiced Apple Cider                  $1.88

Caramel Syrup                                                       $3.29

Whipped Cream                                                    $1.97

So for under $8 I can make 10 Mari’s Spiced Caramel Apple Cider. I couldn’t even get 3 of these at Starbucks for $8. And, I can enjoy it whenever I want. There’s no price tag for that!

Quick, easy, frugally elegant! Try your own “knock-off”. Discover the beauty of being able to enjoy your favorite treat, on a whim, in the comfort of your own home.

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