1. Make a monthly budget. Making a monthly budget enables me to plan our expenses so that we live only within our means. I make a list of all the things that we need to spend on and pay for in the coming months. If we have extra, then that’s the time that I check our list of other things that we need to pay or spend on. The last list I consult is the list of things that are nice to have or spend on. Then, I present our options to my husband and we decide what we think would be the best use of our resources. It’s so tempting to rush to the malls every pay day and just shop without making any plans or careful study of our finances. But this can lead to disastrous results. We may end up using hard-earned money on not so important things. So I diligently make a monthly household budget and do my best to stick to it. We are not always able to exactly follow our monthly budget but at least we don’t deviate too far from it. It’s like aiming for the stars so that if you miss them, at least you land on the roof.
2. Plan your menu and make a grocery list. Menu planning is one of my favorite duties as a wife. It’s one way by which I exercise my creativity to stretch the value of our money. Once the grocery budget has been set, I take on the challenge of planning meals to ensure that our diet is healthy and balanced. Planning the menu for at least a week enables me to have better view of what goes into our plates and what comes out of our pocket for groceries. I have actually designed a four- week cycle menu which I update every now and then. Having a menu plan enables me to make sure that we have variety in the food that we eat. It also makes it easier for me to make a grocery list. A grocery list on one hand helps me and my husband to save time going around the grocery store and to stick to our grocery budget.
These are just some of the strategies I employ as a practical mom. Hope you learned something from this article. I will share more strategies next time. Don’t hesitate to leave a comment or send me an email if you have questions on the topics or strategies I discussed above. I would gladly answer them and partner with you in your resolve to be one tough mom for your family.