I’d been meaning to make my own laundry detergent for ages. Now that I’ve done it and seen how easy it is, I can’t believe I didn’t do it sooner.

Recipes for liquid laundry detergent are floating all over the Internet. Here’s the one I used. I bought a pot at Goodwill to keep just for making detergent; it cost a couple of dollars. I keep the detergent in a plastic wash tub with plastic wrap over it because the dishwasher detergent bucket I’d saved for it turned out to have a big crack in the side. (Don’t ask when I discovered this.)

The detergent was very easy to make. I’d bought a cheap grater at the dollar store to use for grating the bar soap, but we lost it in the move and my brilliant daughter suggested I use a peeler instead. And that worked. After that, it didn’t take long before I had my first batch of homemade liquid laundry detergent.

I was tickled to find that it really does get the clothes get clean. Plus, it’s cheap! Really cheap…..I just saw liquid Tide on sale for $6 for a bottle that cleans 25 loads of wash. That’s 24 cents a load. This homemade laundry detergent I’m using costs 2 cents per load. That is not a misprint! Plus it doesn’t contain all the weird chemicals in a bottle of Tide that we probably shouldn’t be breathing.

I won’t bother to spell out the recipe and ingredient costs as this site has already done so.  I did use essential oil (rosewood because the health food store was out of lavender) and it has a pleasant scent. Also, I doubled the amount of Borax and washing soda to make sure everything gets clean, a luxury that doubled the price from a penny a load to two cents. I know, big spender

Living here in chilly Wisconsin, we love our hot chocolate. I usually buy big boxes of hot chocolate mix at Sam’s Club, but decided to try to save a few dollars by making my own. Since I have a food processor, this isn’t hard to do.

There are many hot chocolate mix recipes online. Here’s the one I found, with ingredient costs in parentheses (all ingredients purchased at Aldi):

Hot Chocolate Mix

4 cups dry milk ($1.87)

1 1/2 cups sugar ($.26)

1 cup powdered coffee creamer ($.26)

¾ cup cocoa powder ($.50)

½ package instant vanilla pudding ($.25)

Blend ingredients together in a food processor. Use 1/3 cup mix in a mug of hot water.

A mug of this hot chocolate tastes fine. The instant pudding prevents the mix from sinking to the bottom of the mug. So what’s the problem?

The cost! It works out to 14 cents a serving. A box of 60 envelopes of Swiss Miss mix from Sam’s Club is $5.38 for 60 envelopes, or 9 cents a serving. Bummer. I didn’t work out the price ahead of time because I figured homemade would be cheaper.

However, all is not lost. Our son loves a brand of peppermint hot chocolate mix that is a bit expensive. Adding ½ t. of peppermint extract to this mix recipe makes the hot chocolate he loves at far less than its usual cost of 28 cents per serving.

R2D2, aka DAK

Some people apparently take frugal tips pretty seriously; note a couple of cranky commenters at this post. Two thought the blogger’s tips were too common, and one misguided soul suggested the blogger stop homeschooling, put her kids in school and start an in-home daycare.

Instead of complaining that someone’s frugal tips are too basic, most commenters helped by sharing their own tips. I think I’ll do the same for the next few posts.

Bread machines

My beloved Oster bread machine died several months ago after about ten years of use. The unit still worked but the pan began leaking oil (or something similar) into the bread because the seal was shot. A perusal of eBay introduced me to a few people* who would love to sell me a replacement pan for $20 plus $10 shipping.

Not interested. Instead, I hit the local Goodwill and bought a replacement, a Regal for $9. It made so-so dough and baked bread that resembled a doorstop in shape and heft.

I waited patiently while watching Goodwill for a new bread machine but kept seeing the same type as the Regal. A blogging friend suggested I buy a Zojirushi BBCCX20 Home Bakery Supreme Bread Machine as she’d had great luck with it. I checked it out on Amazon: $200+, and some (though definitely not most) people had trouble with it.

I know how ticked I’d be if I spent $200 on anything and it didn’t work right. So I decided to keep being patient and checking Goodwill. But then I saw a Sunbeam breadmaker at Walmart for $50. It had pretty decent online reviews, so I decided to use my birthday gift money to buy one, but when I went back, they’d cleared out that model and replaced it with another, whose model number came up empty on a Google search. Not a good sign!

Not long after this, I stopped by Goodwill and found four bread machines. Three were Regals or looked like them. The fourth was so funny looking that I didn’t realize it was a bread machine at first. But it came with recipes, and at $5 it seemed worth the gamble.

Turns out it’s old (1990) and works great! It has quite a fan club, and I can see why. I thought I was being so clever calling it R2D2 until I found out that many people call it that.

Anyway, it makes great bread and dough, it was $50 cheaper than the bread machine I saw at Walmart, and $200 cheaper than the Zojirushi. Definitely worth waiting for!

* Sounds like a profitable racket, so I gave my old Oster and the Regal to my eBay seller daughter, hoping she can make some money off the parts, paddles and manuals

One store owner, who ran a wonderful Christian book/gift store, blamed her business closing on people no longer using their credit cards. She said that in the past, people bought more items and paid with credit, but then they began paying cash and only buying little things. She and her husband decided to close down while they could still pay their bills.

As a business owner myself, I understand her feelings. But part of the reason our economy is in the bad shape it’s in is because people abused credit. They bought things they couldn’t afford and borrowed the money to do so, but couldn’t pay it back.

One of the projects in Life Prep for Homeschooled Teenagers is designed to teach teens about handling credit cards responsibly. When I speak to homeschool groups, I’m often asked at what age people should begin teaching their children about credit. The book is intended for teens, but I tell parents if they really want to teach their children to handle credit responsibly, they must begin when their children are babies.

I’m not suggesting they get their baby a Visa card. But the root of credit problems is usually (I’m excepting medical emergencies here) an inability to delay gratification. Somebody wants a big plasma TV to watch the Super Bowl and they buy it on credit, never thinking about how they’ll pay for it. They don’t have the self-discipline to set aside money each week until they have enough to pay cash for the plasma tv.

How do you raise your children to become adults with the ability to delay gratification, to wait for what they want? You gently make them wait for what they want.

Don’t pick up the baby as soon as she makes a peep. Let her lay in her crib for a bit babbling and cooing before you pick her up.

Don’t buy your preschooler a toy he demands at the store. Let him wait for it until his birthday; he’ll appreciate it more, and he’ll have learned a little bit about waiting for what he wants.

Don’t buy your preteen the latest electronic device the day it comes on the market. Teach her to save up her allowance and birthday money until she can buy it for herself.

The child who learns he doesn’t have to have everything this instant is unlikely to become the guy who puts a $3000 television on his credit card a few days after losing his job. The adults who couldn’t wait until they were actually able to pay for what they wanted helped get us where we are today: in big financial trouble.

The goal is to NOT raise a child like this:

But once we decided to move, I started using up my food and supply stashes, figuring it made more sense to consume them than to pack, move and unpack them.

Using up what you have at home certainly makes for reduced bills. Not only do you not have to go shopping much, but staying out of the stores reduces impulse buys, so your bills are even lower than normal.

That’s the good news. The bad news is, now that we’ve moved, I not only have a hundred “moving in” things to do all at once (change addresses, banks, etc.), but I also have to go shopping for items I’d normally find at home in my stash.

To make it worse, no matter how many times I’ve run to the store since we moved in, I inevitably come home to hear someone say, “We’re also out of (fill in the blank).”

Sigh. I’ve moved “Restock the pantry and cabinets” to the top of my list.   :0

(Learn more about stashes HERE.)

In my early years as a SAHM, I occasionally bought little things to make myself feel good. I felt guilty about not bringing in an income, so I didn’t splurge. But I’d grab a quilt magazine at the grocery magazine rack and go home and enjoy it thoroughly. Or I might pick up a votive in a new scent and keep it burning at home until it was just a little blob of wax. (Usually, one of the kids or even my husband would come into the room and ask, “What stinks?”)

These days, I don’t seem to require little luxuries, at least not the ones that cost money. I’m happy to find a good book or DVD at the public library, or take a walk on the beach. (Although I did pony up $3.99 at the Goodwill store a few weeks ago for a hardback copy of an Elisabeth Elliot book I hadn’t read yet….I was thrilled to add it to my collection.)

But I like to have things around for my family to enjoy. So my little luxuries have become things like picking up a bucket of fried chicken at the grocery store deli when it’s on sale, or buying a box of peppermint hot chocolate mix at Sam’s Club for a whopping $1.81 for 28 packets. And when candy bars go on sale “buy one, get one free,” I buy some for everybody, not just me :)

So, are you finding that little luxuries make life a little easier these days? If so, what are your favorites?

I’ve been using Life Prep for Homeschooled Teenagers with dd17 for the past 18 months or so, and we’re almost finished. We’ve been having a lot of fun with the projects.

Funny how using Life Prep has been a different experience with each of my children.

Our eldest was very eager to get out on her own, so we emphasized the rent, food and utilities projects over the others. Our son was completely college-minded, so we stuck to more reading and less projects. Dd17 is not in a big hurry to be out on her own, but she’s not sure about college either (she’s already racked up a few credit hours and isn’t sure if she wants to keep going), but she really gets into all of the projects.

She has run a couple of small businesses, so she understands the need to watch your expenses and make prudent choices. She seems to really get into studying how loans work, and how you can save a lot of money by prepaying them.

While working on the projects from the book, she enjoyed playing with some online financial calculators at Bankrate.com. They’re wonderful! I plan on adding mention of them to the next edition of the book when we update it again in a few years.

Breakfast under the Big Birch

Here’s my favorite part:

Do things your mom used to do. Remember how your mom and her friends sat around the kitchen table drinking coffee, rather than meeting out at a local coffee shop? Or how you’d be forced to bring your lunch to the ballgame or museums? That’s probably why your parents have money in the bank now. One mom suggested buying a bag of Starbucks coffee for $8 and then brewing enough for everyone.

Some of my fondest memories are of sitting around a kitchen table having coffee: with my grandma when I was a kid (yep, Swedes let the kids drink coffee with lots of milk in it), or with the other playgroup moms when I had little ones and we met weekly at each other’s homes. Who says you need money to have fun?

The quilts were pretty, and representative of their time (late 1800s to early 1900s). But what really interested me was the story of her married life.

She met her future husband, David Eisenhower, at college. After they were married in 1885, David sold the prime Kansas farmland his father had given the couple as a wedding gift, raised an additional $2,000 and started a mercantile store with a friend.

The business did very well for two years, but then local farmers began asking for credit after losing their crops to drought and grasshoppers. Eventually David and his partner had to borrow money to keep the shop afloat, but the store failed anyway.

The Eisenhowers then moved to Texas, where David found a job working for a railroad company as an engine wiper for $40 a week. These were hard years for the Eisenhowers. It was during this time that the future president was born.

After two years in Texas, David was offered a job in a creamery in his hometown, and the family moved back to Kansas and lived with relatives for seven years. Then Eisenhower’s brother, a doctor, sold them a house on a few acres at the edge of town. They would raise six sons in that 818-square-foot house. And Ida and David would live in that little house for the rest of their lives.

~.~

Ok, it’s a bit of history, but what’s so interesting about it? I think it shows that up until the mid-20^th century, getting started in life was tough. People had a hard time making it. If it wasn’t drought and grasshoppers, it was financial trouble. But people persevered and got through it.

However, after World War II, our country became unusually prosperous compared to the past. My generation (the tail end of the Baby Boomers) grew up believing that life wouldn’t be so hard. You go to college, get a degree, buy a nice house, drive nice cars, and as long as you show up to work each day, you’ll keep moving up and getting in a better position financially until you retire comfortably like your parents did.

It’s not working out that way in my family. I’m one of four sisters, three of whom are married. Of the three husbands, two have been out of work for some time and one is watching his business shrink. The unmarried sister is the mom of two boys and has been out of work for over a year. The other two sisters work in the public schools and are employed, for now.

And it’s not just our family. One friend’s husband has had his hours cut and faces an uncertain future. Another quit her church preschool teacher job because of something immoral going on in the church; a few weeks later, her husband was laid off. Friends who retired early had to go back into the work force as substitute teachers because their retirement account took a beating.

Up until recently I was thinking something strange was going on, with so many people I know losing their jobs, and unemployment rates across the country skyrocketing. But now I’m wondering if the “something strange” was actually what happened while I was growing up, when for fifty years or so it was so much easier to earn a living than it had been for most of history.

Maybe it was a glitch, a blip, and now we’re going back to normal, like the normal of Ida Stover Eisenhower’s time, when making a living was a struggle, and you were grateful to have an 800-square foot house to raise your six boys in. I wonder….

My defense is that I was too busy raising kids to go through all this financial detritus sooner. Whatever. The fact is that I have to go through this stuff and shred the checks because our SSNs and credit cards numbers are all over them.

Yes, it’s time-consuming. But I’m determined to get rid of all this before we move again (which may happen this summer, but that’s another story).

One good thing about doing this is that it’s like a walk down memory lane. I’ll find a check for the ob-gyn from when I was pregnant with one of our children, or the big check we wrote for the down payment when we bought our first house, and it’s like reliving those wonderful times.

Today I found a check that really got me thinking about how we can do something very little or ordinary without knowing that the repercussions of that action will be enormous in our lives. Here are the details from that check:

Date: 3/1/84

Amount: $25.00

Pay to the order of: Moore Seminars

Memo: Homeschool Seminar – Wheaton

Who knew that my curiosity about homeschooling would still be affecting our lives 25 years later?