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9 Ways to Save on Kids’ Clothes: Part 2

March 3, 2014 by stultsmamaof4 6 Comments

Last week I shared part 1 of how we clothe our four children on our single-income budget. Today, I’m sharing the second part of how we save on kids’ clothes, including how we take advantage of end-of-season clearance to buy new clothes a year ahead for our children.

Gently Used Clothing (continued from Part 1)

6.Consignment Stores for Children

In our area, we have a few choices for second-hand clothing stores specific to children. By far, my favorite is Once Upon a Child. Most of these stores will screen the clothing they take in (as opposed to accepting anything like some second-hand stores to). Prices reflect the value of clothing items, based on condition of the item and name brand. So, when you buy from such stores, you can be fairly certain that you are buying clothes that are free of holes, stains, rips, excessive fading, etc.

What makes stores like Once Upon a Child so attractive to me is the ability to sell your own gently used clothing to the store in exchange for either cash or store credit! I really appreciate this feature for my daughter’s wardrobe since many of her items are still in excellent condition as she is the only girl.

If any of my children have wardrobe needs, I will take store credit so that I can purchase what is lacking. If I have something else in mind to buy from another store, then I will take cash. Sometimes I even take some of both. Who doesn’t enjoy shopping without having to spend any money? 🙂

Tips: many of these retailers also accept toys, books, puzzles, baby items, and more.

Pros: wide variety, quality clothing that has been screened, ability to make money

Cons: may not accept all trade-ins, must watch prices carefully (they tend to be a little higher than second-hand stores)

7. Second-hand Stores (Goodwill, Salvation Army, etc.)

Second-hand stores offer a good source of gently used clothing, especially when garage sales are out of season. Local second-hand stores, rather than chain stores like Goodwill, often offer the best value. We have a store in our small town that charges only twenty-five cents per clothing item.

Tips: Look for 1/2 price days or weekends at chain stores (Goodwill’s is once per month), sack sales, or coupons to save even more money.

Pros: save money buy buying second-hand rather than new, wide variety of items, support charity when shopping some stores.

Cons: prices are often much higher than garage sales (and sometimes even store clearance), some clothing isn’t in the best condition.

8. Facebook Groups and Craigslist

If you are tech-savvy and enjoy shopping online, you can find some great second-hand deals on facebook or craigslist! Many towns and counties have developed online garage sale type pages for users to sell clothing (and other items) locally, much like Craigslist only via facebook.

I have both sold and purchased clothing items on such a group, and the transactions really depend on the people you are dealing with. Some sellers/buyers are very honest and easy to work with, while others are just out to make a buck.

Also, safety can be a concern since you will have to meet the party who is selling/buying in order to complete the transaction. Always, always, always meet in a public place and never go alone if you can avoid it.

Pros: local buying and selling, better pricing than many second-hand stores, easy to find seasonal items like Christmas apparel and Halloween Costumes

Cons: little to no regulation of items being sold, no way to leave feedback for negative transactions, need to arrange meetings, less variety than a second-hand store

Buying Brand New

9. Shop Clearance at Retail Stores

Shopping clearance is really a hobby of mine. 🙂 I like to shop, but our budget is tight and I want to be a good financial steward of the finances God provides for us. I also know that material things are only transient, so I don’t want to place a high value on them. Finding a clearance rack allows me to meet needs while also enjoying my hobby. 🙂

Shopping end-of-season clothing in particular allows us to buy new, quality clothing at second-hand (sometimes even garage sale) prices. Such items are particularly helpful for our boys since most items will be handed down twice, and some even survive well enough to be passed on to younger cousins!

However, clearance shopping is one area in which I must exercise caution. The excitement of a good bargain often leads to over-spending or over-buying (how many skirts does one preschool girl really need?!). Additionally, department stores thrive on marking items up and then promoting a sale thereby convincing consumers they are getting a bargain when, in truth, they are not. So, before I share my rules for clearance shopping with you, I must caution you not to blow your clothing budget by making the same mistakes I have.

Tips: Before you attempt to shop end-of-season sales for next year’s wardrobes, know your prices (takes time and research), know your budget, and know your needs (keep a list if you need to). My favorite stores for buying quality clearance clothing are JC Penneys, Kohls, The Children’s Place, Old Navy, and occasionally Walmart.

Rules for Bargain Shopping

Buy When:

the item is needed (either currently or for the next year)
you see evidence of multiple markdowns already
you have extra percent off of already reduced prices (I like to wait until items are 70-90% off original prices. For online buying, check for coupon codes at retailmenot.com)
you will earn rewards to buy other needed items (such as Kohls cash)

Exercise caution when:

you’re tempted by price alone
the item will be difficult to match (example: a girls’ skirt with a weird color of pink or purple in it)
end of season clearance has just begun (I’ve learned that some stores, Kohls in particular, mark some things as “clearance” that are really just their normal sale prices. If you wait for a few weeks, you’re likely to see much better discounts.)

Why buy a year ahead?

Whenever possible, I take advantage of seasonal clearance to buy a year ahead for our children (I mentioned this in Part 1 in the Garage Sale section). Thinking ahead is a technique I learned from couponing, and it makes a lot of sense. When prices are extremely low, buy more than you need for the present so that when you need the item in the future, you will not have to pay regular price. For clothing, that translates to buying a size or so larger for the next year.

For example, when summer clothes go on clearance, I think about what they will need for their wardrobes next summer, including swimsuits and footwear. Thinking ahead is particularly helpful for items that tend to be more costly, such as Easter and Christmas dress clothes. Example: Once I found a toddler boys’ Christmas suit (vest and tie included) for $1.97, so I bought it even though it would not fit our son for 2 more years.

The only two downsides to buying ahead is that your budget might not allow for extra purchases (even frugal ones) and you may not have the storage space necessary to keep clothing for a year, especially if you already have several children. In those cases, check for an area of the budget you can pull a little extra cash from (such as food) and ask friends or family for storage space in a garage or attic.

Once you have built up a little clothing in storage, buying ahead will not be as much of a stretch for your budget because you won’t be purchasing as many items for immediate needs.

Tips: Be sure to pay attention to how their current clothing fits and their general body type. For example, I’ve learned that our children all have my husband’s long torso, so I usually have to buy one size larger in shirts than in pants. Additionally, our only daughter is quite thin, so regular pants often look like clown pants on her. Thus, when buying ahead for her, I only purchase leggings and skinny jeans or slim sizes.
Disclaimer: Buying ahead may not work as well in the teen years when youths are prone to skipping whole sizes at once – we’re still learning about these years as our oldest is about to turn 14! 🙂

That wraps up part 2 of how we save money on kids’ clothes in an effort to live frugally. Saving money on clothing is just one way that we stretch our budget; for more ideas, read 5 Ways to S-t-r-e-t-c-h a Budget. I hope you find this information helpful!

Jen 🙂

You may find me linking up at any of these lovely places.

5 Ways to Stretch a Budget: Part 2 (the practical bit)

June 25, 2013 by stultsmamaof4 17 Comments

Yesterday I shared with you the first half of 5 Ways to S-t-r-e-t-c-h a Budget. If you haven’t read the first half, I encourage you to do so as it contains the foundation of our frugal living. In these tough economic times, it’s hard to find ways to make a small budget work, especially if you have a large family and are living on a single income. These tips should help.

And now, for part 2:

3. Pray for Your Needs and 4. Buy Gently Used

(these two overlap quite a bit)

Appliances – Finding good deals on appliances is admittedly harder than saving money on other items, but it can be done! Our first action is to pray about it. Remember, the Lord promises to provide for our needs. Our favorite money-saving techniques when buying gently used appliances are to look at garage sales, ask friends and family to be on the lookout for us, check craigslist, buy scratch and dent, and so forth.

Vehicles – We have never had a car payment, ever. When we realize that it’s time for a new (to us) vehicle, we start praying! Sensing a theme yet? 🙂 We know we cannot afford a car payment while attempting to pay down student loans, so we ask God to send us a vehicle that will meet our needs as well as our budget. Praise the Lord, He has always provided the vehicles we needed, sometimes even at no cost to us, including the necessary switch to a minivan before the birth of our twins! Then, we are often able to pass on the blessing by giving our old vehicle to someone else in need.

For necessary car repairs, we also pray. My husband does whatever he can himself, but if it’s a major repair, we usually have to ask for help. We’ve been blessed with some mechanics in the family, but when they are busy we have also turned to church family or friends. If you know someone mechanically minded, you could even trade services – offer to babysit, make a meal, or some other skill you or your husband have!

Furniture – In our home, you will not find new furniture. It’s a luxury we cannot afford, although I’ll admit I’ve been tempted at times! The majority of our furniture has come from garage sales, hand-me-downs, Goodwill, Craigslist, and so forth. We often pray for furniture needs as well, especially when we moved last year and our twins needed to graduate to full-sized beds and dressers of their own.

God provided a set of bunkbeds, a loft bed, a few dressers, a desk, and more – most of which came from one garage sale. We had looked at loft beds online for our daughter’s room since it was going to be quite small, but they were very pricey. We prayed about it and just didn’t feel peaceful about spending that much money on a want. That very weekend, God provided via the garage sale where we found a white loft bed with matching shelves and dresser – all for $50! They wanted to get rid of it so badly, they even threw in an extra desk. Praise the Lord! If we had not been willing to wait, we would have unnecessarily spent well over $400.

Baby Items – We have pretty much outgrown the baby years here, but when we found out we were pregnant with twins over four years ago, I learned a lot about trusting God to provide for needs in this area. He provided a second crib, clothing, a second exersaucer (which wasn’t even a need, really), and so forth from generous friends and even neighbors. We even found car seats we really liked on clearance in one of those moments when you know God is just blessing you for the fun of it! 🙂

I also shopped a lot of garage sales, but my favorite place to shop was the nearest second-hand baby store, called Once Upon a Child. Not only are the gently used items half the price of a new item, but also outgrown baby clothing and items can be traded in for cash or store credit. If you don’t have one in your area, check for another baby thrift store. E-bay was another source of gently used items that I utilized. Last but not least, I often swapped items with ladies at church. For more ideas on how to save in the baby area, read 9 Ways to Save on Kids’ Clothes.

Vacations – We do splurge a little in this area (at least what we call splurging). God has always provided a way for us to vacation when needed.

Now that my husband ministers full-time, vacations are becoming much more of an actual need than a want, and as the saver in the family, I’m learning to see them that way. 🙂 However, the funding isn’t always available, even for a “cheap” vacation like camping. In this case, we have vacationed at relatives’ homes, we have swapped houses, and we have even found some ministries for pastor’s families who help provide lodging. If you are a family in full-time ministry in desperate need of rejuvenation, please visit this site: http://www.lawrencewilson.com/free-retreats-vacations-pastors/ .

Utilities – You can only stretch this budget so far since heat and electricity are necessities (in this country anyway). However, setting the thermostat at 66 or 67 in the winter months and 75 or 76 in the summer months saves quite a bit of money. If you can’t go that far, even a couple of degrees can make a difference.

Consider rewarding your children for turning off unnecessary lights or appliances in the home to motivate them to keep utility costs to a minimum. Additionally, we utilize the budget-billing program to keep our monthly costs even, which is easier to budget for. Consider investing in energy efficient appliances, but only if you have the finances to. Again, if your budget is lacking, pray about it.

5. Do It Yourself Whenever Possible

Haircuts, Home improvements, Home decorating, Lanscaping, Gardening, Sewing, Homemade cleaning products – whatever you can do on your own rather than paying someone else to do is like money in the bank! A $25 pair of clippers lasts a long time – just sayin’. (See this tutorial to learn how to cut boy hair at home and my pinterest board for lots of other DIY tutorials.) Learn how to re-purpose everyday items such as baby wipes. And with the invention of Pinterest and the DIY blogs readily available, we really have little excuse to avoid learning some new skills, right? 🙂

If you have already tried to d-i-y and it just isn’t working, why not trade services to save money on the things you need help with? A few years ago, I promised my husband I would never again ask him to lay laminate wood flooring after we sold our previous home. He was miserable doing it and encountered much difficulty, even with the help of my brother-in-law! But we can barter with friends next time we need new flooring.

So that’s how we live frugally to achieve our financial goals. After 14 years of marriage, my husband has learned to appreciate my frugal nature, and I have learned to allow him to balance it out. Sometimes it’s nice to have the freedom to buy something new, or something that is a want rather than a need. I’m thankful for God’s wisdom in the mate He chose for me!

I’m sure I missed something, but I hope these ideas have helped you find areas in which you can stretch your budget, too! Even if you currently have a budget with a little room to spare, why not consider cutting back in just one area so that you can support global missions or feed a hungry child? When looking around our home, I can see there are things that we could live without even today, so I’m challenging myself here, too. Remember that as with any changes in life, learning to live more frugally is a work in progress. Even small steps can lead to success!

Have a great budget-stretching tip? Share with us in the comments!

Jen 🙂

If you enjoyed this post, you might suggest these practical suggestions for making things last:

http://harvestlanecottage.blogspot.com/2013/06/forty-ways-to-use-it-up-wear-it-out.html

or this post with additional ideas for savings in order to live on one income:

http://yourmodernfamily.com/how-to-become-a-stay-at-home-mom-on-one-income/

or these postw detailing how to save on kids’ clothes:

9 Ways to Save on Kids’ Clothes (part 1)

9 Ways to Save on Kids’ Clothes (part 2)

Also linking up at:

5 Ways to S-t-r-e-t-c-h a Budget: How a Family of 6 Lives on a Single Income

June 24, 2013 by stultsmamaof4 21 Comments

Today on Mama Monday, I want to touch on the matter of saving money! I know in these tough times, many families are looking for ways to stretch the budget. I also know that my husband and I learned several difficult lessons about finances early on in our marriage. So, as a family of six living on a single income, I’d love to share with you how we make our tight budget work! 🙂

Growing up an MK (missionary kid) taught me many life lessons. I’ve seen what it is to truly be in need. I know in many areas of the world, children often go hungry and families sleep on the bare dirt floors of a thatched jungle hut. I’ve witnessed firsthand the difference between needs (for survival) and wants (for pleasure). I’ve also seen our Father God provide for our family in some amazing ways – money for shoes sent from another state, postmarked before we even prayed for it!

So, when my husband and I first joined our lives together, it’s not surprising that some of our first arguments were over money – how to spend it. 🙂 I was very reluctant to spend our finances on anything I did not deem a need and my husband was more laid-back in his approach to finances.

However, a few short months later, we found ourselves expecting our first child and my husband without a job. During that time of zero income, I forgot those missionary kid lessons. I forgot that when we have needs, we turn to our Heavenly Father for help.

Matthew 6

²⁵“For this reason I say to you, do not be worried about your life, as to what you will eat or what you will drink; nor for your body, as to what you will put on. Is not life more than food, and the body more than clothing? ²⁶Look at the birds of the air, that they do not sow, nor reap nor gather into barns, and yet your heavenly Father feeds them. Are you not worth much more than they? ²⁷And who of you by being worried can add a single hour to his life? ²⁸And why are you worried about clothing? Observe how the lilies of the field grow; they do not toil nor do they spin, ²⁹yet I say to you that not even Solomon in all his glory clothed himself like one of these. ³⁰But if God so clothes the grass of the field, which is alive today and tomorrow is thrown into the furnace, will He not much more clothe you? You of little faith! ³¹Do not worry then, saying, ‘What will we eat?’ or ‘What will we drink?’ or ‘What will we wear for clothing?’ ³²For the Gentiles eagerly seek all these things; for your heavenly Father knows that you need all these things. ³³But seek first His kingdom and His righteousness, and all these things will be added to you.

³⁴“So do not worry about tomorrow; for tomorrow will care for itself. Each day has enough trouble of its own.

………………………

As a result of trusting in our own abilities rather than in the Lord, we quickly found ourselves in debilitating debt. It took 5 long years to dig out of the money pit we created. Since then, we have grown tremendously in our financial stewardship, mostly out of pure necessity.

I praise the Lord for the work He has done in overhauling our money mindset! Today, being a stay-at-home mom of four, I contribute very little to our family finances, so making the most of what we have is not optional – it’s mandatory!

I often field questions from others on how we make a single income work for our larger than average family (although I know many much larger than ours). So, I asked my husband to help me make a list of the areas in which we save money so that we can achieve our financial goals, the primary goal being that I am free to stay home with our children, and a secondary goal being to eventually live debt-free (that’s the work-in-progress part). 🙂

I hope you find these budget-stretching tips helpful!

***Disclaimer – this is not a post about whether or not women should stay home or go to work. That is a decision for each family to make with God’s guidance, and I recognize that some families just don’t have that option. Additionally, it is not a post to brag about our money-saving budget – it truly is by God’s grace alone that we are no longer living paycheck to paycheck and we still have much growing left to do. This is a post on ways to stretch the budget if you are looking for help – how we make a single income (a pastor’s salary) work for our family of six. 🙂

Top 5 Ways to stretch your budget. Budgeting for a family of six on one income.

1. Follow God’s Plan for Finances

Start with a Budget! It seems obvious, but many people don’t have a detailed budget, or they have one that they don’t follow. (Of course, we always stick to ours….Ha!) If you don’t have one, make one. If you don’t know how, ask someone for help. If you aren’t sure where to start, visit Crown Financial Ministries for some helpful tools.

Pay off Debt – OR better yet, try not to take on any debt in the first place; instead trust God to provide for your needs. Oh, how I wish I had understood how interest works earlier on in life! If you are already overwhelmed by debt, check into Credit Counselors’ Corporation or a similar non-profit group as soon as possible. The longer you wait, the worse it will get. Trust me – we’ve walked that path before! 🙂

Offerings – For us, giving a regular offering is non-negotiable. However, it was not always so! When first married, we were both still in college, so our income was very, very small, at times non-existent. So, we didn’t give consistently and usually what we did give was the leftovers at the end of the week. In time, however, we both became convicted that giving needed to be a priority.

We started very small: only five dollars a week. But we gave faithfully, and little by little God helped us to increase it. And while we wondered where our food was going to come from, He continued to provide! I want to encourage you that even if you have so very little at the moment, you can still be obedient to the Lord in this area. Even if the amount seems too small to matter, remember that it’s not about the money, it’s about the heart. I’ve heard that “you can never out-give God.” Test Him!

Luke 21:1-3 “And He looked up and saw the rich putting their gifts into the treasury. And He saw a poor widow putting in two small copper coins. And He said, “Truly I say to you, this poor widow put in more than all of them…”

Savings – For our family, savings is also as non-negotiable as we can possibly make it. Of course, sometimes things come up –something major breaks on the minivan, someone becomes ill, etc. For us, savings is definitely still a work in progress, but the goal is to have savings built up for each one of those occurrences so that we don’t have to take money from our budget to meet those additional expenses.

2. Distinguish Needs vs. Wants

Cable TV/Internet – We realized early in our marriage that for us, the expense was a want, not a need, and we simply didn’t have room for it in our budget. So, for many years we used an antenna when we wanted visual entertainment, or a VCR. Today, we splurge on Netflix – $7.99 plus tax per month. 🙂 Additionally, Internet service is not really a need (unless you work from home), but we choose to splurge on it now that we have room in our budget. If you are struggling to meet your monthly budget, these are two expenses that can probably go.

Cell Phones – I recently read that average cell phone bills for single users are upwards of $71, and for a family of four, as much as $200! That’s a lot of money to pay out every month for a “want”! What has worked to keep our costs low is using Tracfone, Net10, and other prepaid companies. (Update: currently we use a company called Consumer Cellular – 3 lines on a shared plan for $67.00/ month!)

We receive all of the advantages of cell phone usage (even data plans) without being tied to a contract, and since our company pays to use larger companies’ towers (like Verizon and AT&T), we rarely lose signal! If a cell phone is a true need for you because of work, etc., consider changing to a less expensive company or plan. If you can’t change your cell phone to a lower-cost plan at this time, consider getting rid of your home phone altogether and save in that area, or consider downsizing to one shared cell phone.

Clothing – This area is probably the one in which we stretch our budget the most. Growing up an MK, I wore whatever clothes were available, plain and simple. Brand name loyalty was not an option for our family back then, and it’s not an option for my family now! Don’t get me wrong – I love nice clothing, but buying new wardrobes for our children every year is not feasible for our budget.

Clothing three children, one teen, and two adults can be a challenge, but we’ve found a variety of ways to save (check out 9 Ways to Save on Kids Clothes). Clothing for adults is more challenging, but garage sales and thrift stores can still be useful. When we have a clothing need, I often take it to the Lord in prayer before I start shopping around. I can’t tell you how many times we’ve been blessed with bags of clothing from friends, church family, neighbors, and even a well-timed garage sale!

Philippians 4:6-7

Be anxious for nothing, but in everythingby prayer and supplication with thanksgiving

let your requests be made known to God.

And the peace of God, which surpasses all comprehension,

will guard your hearts and your minds in Christ Jesus.

Food – Again, we don’t have the luxury of caring about brands. Although, I readily admit that I am toilet paper snob . The cheap brands just don’t cut it. 🙂 To save money on food and toiletries, I buy store brands and shop at stores like Aldi’s, as well as local farmers markets (when in season). In the last few years, I have also learned a great deal about couponing! I know, I know – not everyone loves using coupons, but it works for us. (Yes, I have a small stock-pile. No, I’m not one of those extreme couponers with a basement full of paper towel). 🙂

Another way to keep grocery bills low is to create a menu and shop for only the items you need for that menu. This really works for our family. I also cook from scratch (or nearly from scratch) almost every night of the week, rather than buying pre-made meals or eating out, although we do splurge by eating out on occasion (dollar menu, anyone?).

Bottom line: always keep in mind the question of whether the item you want to purchase is truly a need or if it’s just a want. Once you have honestly assessed the situation, then you can decide whether or not to fund the purchase even if it is a want. I also cannot emphasize enough how prayer impacts the way in which we use our limited finances. Often, when we have a need, if I cannot find the item at a price we can afford, I wait…

And He provides.

Please join me for the second half of 5 Ways to Stretch a Budget with more practical ways to save!

Jen 🙂

Have a tip to share? Comment with your best money-saving advice!

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