What do you value most in life?

As I was driving my daughter to school, and then driving to work this morning, a question kept popping into my head–what do I really value most in my life? Of course, I could tell you all the popular things many people say: faith, family, friends, but if that were true, do we act like they are the things we value most?

Matthew 6:21 says, “For where your treasure lies, there will your heart be also.” I think that is talking about more than just monetary treasure. I believe that verse is also talking about what we do with our time. In my opinion, how we spend our time, how we treat the people we love, and how we spend our money all show what most of us value in our lives.

However, not everything is so black and white. For instance, my husband and I spend a lot of time trying to figure out how to pay our bills. He works three jobs–a full-time job, a job that takes him about an hour, or so per day; and a weekly job at our church. Occasionally, he works as a DJ, too. Why does he do all this–because he values money? No. He does all this because he values us–me and our kids, and he wants the best for us. Like him, I do what I can for our family, though because of my medical issues, I cannot work as much. We work in order to pay a lot of medical bills, our regular bills, and our student loans, but what we really value is our faith, time with our kids and extended family, and our friendships.

My daughter and I have had some hypothetical discussions lately about what we would do if we won the lottery and had a million or more to spend. I told her the first thing I would do would be to pay off our student loan debt, and medical debt. Probably the next thing would be to give back to our families and church for all the help they have provided, but once things all settled down, I would love to create a foundation for helping people fix their roofs.

Fix their roofs? Not many people talk about doing that, but I have a heart for it. Why? Because my heart, and everything I value is in my home. If you have a great foundation–faith, family, and friends, but you have no roof–you’ll never feel safe, secure, warm, loved. In the area where we live, we see a lot of newer homes, but we also see some run-down, lower-income homes. One in particular, has a tarp stapled all the way across the roof. Another has shingles missing and you can clearly see a hole. Both would be cold in the winter, and would need to have a lot of heat in order to stave off the cold. Although my roof has always been sturdy, I can see how money would need to be earned and spent to keep the family feeling safe and warm.

I am Christian and I understand and believe that God will take care of us when we need it most, and I believe that one of those ways is through the hearts of other people. I don’t know why I have thought so much about building a foundation to help others, but I do know that I hope someday to get me and my family out from under our medical bills. I hope someday I get the chance to pay back all of the help I have received from family, friends, and our church, and I hope someday to be able to build a foundation to help put a roof over families’ heads.

What do you value most? Does it show in what you do, say, act? I would love to hear your comments!

King Midas Days

Have you ever had a King Midas Day? If you remember your fairytales, King Midas was blessed, or cursed, with everything he touched turning to gold. However, when I have a King Midas Day, it is more like everything I touch turns to $!@#. 🤗

Yesterday, I had a definite King Midas Day from the second I woke up. I can’t see without my glasses–I can’t even see my glasses!! Always put in the same place on my bed’s headboard every night, I wake up and reach for them by feel. But, yesterday morning they weren’t there! I called in the cavalry–and my husband and daughter, in a hurry to leave, searched high and low for them, but they couldn’t find them. Finally, I resorted to wearing my spare glasses–a very scratched pair of old glasses with the wrong prescription. King Midas Day.

About to leave for work, I couldn’t find my purse anywhere. Remembering my husband had warmed up my car, I grabbed my cellphone to call him. I dialed his number and pressed the green call button. The call immediately ended. I tried again. Same result. No matter what number I called, no call was made. King Midas Day.

I finally found my purse, and having no time for my phone issues, I drove to my chiropractic apointment.

I always carry my water bottle with me, and yesterday was no exception. After my adjustment, I went into the relaxation room to ice my back and relax before going to work. I set my water bottle down next to the chair, leaned back, and relaxed for 15 minutes, then drove to work.

Now at work, I looked for my water bottle, and realized it was still in the relaxation room. Bummer! King Midas Day.

I go into my office, and find a table with clients, and their information on it. Puzzled, I sat down and opened the Excel Spreadsheet I had completed a few days ago. Comparing the information on the paper I was given to the spreadsheet I had completed, I could see that I had messed up my spreadsheet by not selecting the whole row when I had inserted some information, throwing the whole spreadsheet off. What’s worse–I had corrected the error later on. That’s what I get for not completing the 8 page spreadsheet all in one day. It took me nearly three hours to fix with the corrections and proofreading. King Midas Day.

Having updated my phone during my commute, it finally worked again. I picked up my water bottle and was starting to feel better about my day. As my co-worker said to me, “Your day can only get better from here.”

I picked up my daughter from school and started my 30-minute commute home. While driving, my phone rang. I answered it. My son was calling to tell me our 15-year-old Maltese dog wasn’t acting right. He said Harley was shaking so badly he couldn’t stand up, he wasn’t breathing right, and that he had poop in his tail. (Having a bushy tail, that happened sometimes.) King Midas Day.

Thinking it may be time to him down, as we had also recently learned he had an enlarged heart, I asked if his older brother could meet me partway, so I could give him my daughter and I could grab our dog without having to drive all the way home.

At the veterinarian office, I smelled something. Yep. He had an entire log hanging from his tail, and my right pantleg was covered in it. King Midas Day.

Giving them my dog, I went into the restroom and cleaned up.

The doctor came in. Good news, we don’t have to put him down. Bad news, it looks like he has cancer. King Midas Day.

The drive back home seemed longer than usual. This cute, little white dog was my baby, my baby. He followed me everywhere, and slept at my feet.

Finally at home, my son found my glasses, my husband gave our dog a bath, I was able to get my own bath and change clothes, and my husband helped me clean out and organize our pantry. My King Midas Day was finally over. I got ready for bed, and began planning for tomorrow, knowing it was going to be a great day, as everyday is a new day, a new start, a new chance to begin anew.

Name Brand Clothes at Bargain Prices

In my family, we have two teenage boys, a pre-teen daughter (or should I say “tween” daughter), my husband and I. To go to the mall, or to shop online, to get name brand clothes would cost us a fortune!

Being pennywise means finding good value for your money. One of the best ways I have found to find a lot of value for my money is to shop at thrift stores, or consignment stores. Now, I am not talking about buying that plaid suit that has been out of fashion for the past 50 years, I’m talking about buying designer clothes, or even designer looks for 10-25% of the retail cost at the designer stores.

I know of two ways to save money, and get good value at thrift stores and consignment stores. First, look only for the name brands you want to wear. For instance, I always look for Gloria Vanderbilt jeans in my size, as I know that every pair will fit me perfectly without my even trying them on! My kids prefer name brands like Gap, Old Navy, Banana Republic, and Zumiez, and our favorite thrift stores often have them.

The other way to get good value at thrift stores is to sign up for various fashion runway blogs. When you keep up with the latest fashion trends and styles, then, when you are shopping at thrift stores, you can look for clothes that look like the designer trends without having the name brand labels, or the name brand prices.

How do you stay fashionable while remaining pennywise?

The Many Costs of Clutter


Many of us have clutter issues. We stock up on bulk buys, amazing deals, and books we will never read. But, did you know there are costs associated with clutter?

First, there is the monetary cost–the actual cost of buying the stuff you, or someone else, purchased in the first place be it gifts, spur of the moment purchases, or even duplicate items–if you don’t need them, then it’s a waste of money.  Depending on how much stuff you have accumulated, that could be a lot of money.

Next, is the opportunity cost. The opportunity cost is the price you pay to store your clutter wherever it is. In other words, if you didn’t have that potted plant on the counter, or you hadn’t bought that extra kitchen appliance, what would you put in it’s place? Moving that plant, or donating the kitchen appliance frees up the occupied space and provides an opportunity for something else (or even for nothing else) to go there.

Third, is the emotional cost. Clutter affects your stress levels, your safety (depending on how much clutter you have), and your relationships.  Our bedroom is filled with boxes that need to be gone through, and it seems like everything that doesn’t have a home ends up finding itself in our room!  We recently started decluttering our bedroom, our clothes, our kitchen, and our garage.  As we start going through boxes, we find that we make a bigger mess, at first, but, after we have thrown away, or donated the things that no longer have a use in our home, we feel a HUGE sense of relief.

We hold onto things gifted to us from people we love, or from people who have passed away, and even if they don’t bring us joy, we hold onto those items.  But, do they bring us happiness? If the cluttering items don’t bring us happiness, why do we hold onto them? I know for me, I have held onto things that I didn’t like out of fear of hurting a friend, or relative’s feelings. I’ve also held onto things out of grief, or guilt (Palmer, 2012).  Brooks Palmer, the author of Clutter Busting Your Life, addresses each of these things.

What I’m learning from reading Brooks Palmer’s Clutter Busting Your Life book and Marie Kondo’s Netflix show, Tidying Up with Marie Kondo is that we should only keep those items which actually bring us joy, or serve some purpose in our life.  We need to pick up each item, look at it carefully, and decide if the item makes us happy, or makes us feel good.  As we go through the process of decluttering our homes, or offices, or both, we are forced to eliminate those things which do not bring us joy anymore — those items which have no purpose in our lives.  As we declutter our lives, we begin to feel free — a lightness is felt — we are no longer chained to the clutter that has made us feel so stressed in our environment.

When clutter abounds, money is wasted–duplicate products are purchased, and, as you go through the process of decluttering, you find that you have 15 tubes of toothpaste, or 5 bottles of ketchup.  I couldn’t believe how many clothing items I had kept that didn’t fit, or how many books I am still holding on to when I read all of my books now online.  As space is freed, and the clutter is replaced with nothing, I feel more relaxed, stress-free, dare I even say care-free, and the amount of cleaning I have to do, or re-organizing has greatly decreased. Where I once was straightening my pantry once or twice a week, now that it is de-cluttered, I only have to straighten the things that are put away incorrectly. Life becomes so much easier when you really look at the cost of clutter, and decide it’s better to get rid of it and become a more Pennywise Family. 😊


Kondo, M. (2019). Tidying Up with Marie Kondo. Netflix.

Palmer, B. (2012). Clutter Busting Your Life. Novato: New World Library.


No Guts, No Glory!

No Guts, No Glory ImageIf you look up the definition of this common saying, you’ll see it means you need to take risks in order to achieve your goal. If you think about it, everything we do, involves some amount of risk. Even getting up in the morning–if you’re not careful you could get your leg caught in the covers and fall.

Writing this blog, and keeping it going involves the risk that you may not read it, or worse, yet, that you may totally hate it and tell me so, in the comments! 🙂

I am a major goal maker. I make goals all the time. I write them down, and often even write the next action step (a trick I learned from David Allen’s program, Getting Things Done). But, do I have the guts to get through them all to get to the glory? I don’t know. Now that we are decluttering (and will be for months), I can really see how much we have accumulated, and how many projects are still not done.

As I find each of these projects, I am putting them back on my to do list, but is that the “gutsy” thing to do? Or, would I get the glory simply by donating them, making room in my home, and room in my life for more important things.

I wonder if that’s also my problem with losing weight. It takes a lot of guts and willpower to stay focused on the end goal and not eat a brownie, or piece of cake, or even have a bowl of ice cream for someone’s birthday. I think glory is eluding me because I don’t have the desire to be persistent and persevere, being stoic with my willpower, standing firm in my fight against carbs. Will it even help? I am but one person. One person who must fight against a plethora of carbs coming at me from all sides–work, home, and even the grocery store.

So, how does one get the glory if he or she doesn’t have the guts to do it on their own?

  • Get a support group
  • Make it a Family Challenge
  • Find someone to compete against
  • Work on it for 20 minutes, then take a 5 minute break

If you try to do the same thing everyday at the same time, your brain gets used to working on it at that time, and you become more productive. I don’t know why, I just know it works.

So tell me, do you have enough guts to get to the glory? If not, tell me what you don’t have the guts to do, or to complete. If yes, tell us how you have shown you have guts and when you got the glory?

Valentine’s Day Romance

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Valentine’s Day doesn’t have to be expensive. Some of the best Valentine’s Day gift ideas cost very little, since they come from the heart. Making someone feel loved and appreciated can come in many forms, on any day of the year. So what can a pennywise couple do to celebrate Valentine’s Day without breaking the bank? Here are some of our ideas:

After 25 years of marriage,  we have learned that romance can come in all forms, from the traditional candlelit dinner to a massage, a bubble bath, or gifts of appreciation.

A gift of time is my favorite gift. Whether my time was freed up when my husband did chores for me (without being asked), or he did something thoughtful that came from his heart. In the past, he has taken my birthday off to clean the house, so when I come home everything was already done. On other occasions, he has made me breakfast in bed, given me a couple of hours to do my crochet while he watched the kids, and photographed a re-enacted a part of “our song”. A gift of time, in whatever form, is an incredible gift that I always appreciate.

Another year, he gave me a love letter he wrote himself instead of buying an expensive card.  A card you created, (look on Pinterest for ideas), a love letter you wrote expressing your love and appreciation for your spouse, a poem you wrote, or even a card from your local dollar store will work if it expresses your heartfelt love.

Buy a Journal at the dollar store, office supply store, or create your own with a composition notebook, some scrapbook paper, and glue.  Write a love note for your spouse and ask him or her to write one back.  Write notes to each other all year long.  My husband and I did this one year, and every time I saw the journal on my pillow, I knew another note of appreciation or love was there — written expression of your love will help him or her to feel blessed and loved again and again.

Make breakfast in bed, or bring your spouse a cup of coffee or tea. There is something special about not having to get out of bed to enjoy your first cup of coffee.

Make your own Chocolate Covered Strawberries with dipping chocolate and a pound of strawberries.  There are many YouTube videos that will show you how. You can do this ahead of your celebration, so they are ready, or make a fondue and dip strawberries, marshmallows, and pound cake together. Just be sure to kiss each other every time you lose an item off your fondue fork!

Buy a coffee cup  with a nice sentiment on it and fill it with Hershey Kisses, Miniature Chocolates, Jelly Beans, or whatever small candy your spouse loves — you can even wrap it in the special cellophane that florists use, if you desire.  Buy the cellophane at your local craft store, and tie the cellophane at the top with a ribbon.

Buy a photo album at your local dollar store and fill it with nostalgic pictures. You and your spouse can spend time going through the pictures together, remembering the special times you have shared.

I found some other inexpensive gift ideas at PTMoney.com, some of my favorites are:

Make your own Valentine’s Scavenger Hunt. Write clues and hide them all over the house for your Valentine to find! At each station, put a gift you bought from the dollar store, or something you made yourself — a stuffed animal, a candy bar, a Valentine card, etc (ptmoney.com).

If possible, arrange for a babysitter, who isn’t at your house, grab some microwave popcorn, and a movie from your local library, a thrift store, or your local “Redbox” and enjoy some special time together (ptmoney.com). There are couples out there who don’t celebrate Valentine’s Day–my husband and I are one of them. We prefer to show our love and appreciation on alternate days. On Valentine’s Day, we stay home with the kids, eat pizza and watch movies. Perhaps a couple you know does the same, or maybe you could trade nights babysitting each other’s kids if you want to go out, so you could save the cost of babysitting.

On that note, if you really want to go out, and can’t afford either the time, or the cost of dinner, go out for a Valentine’s breakfast, or lunch, and then spend the evening with the kids watching a family movie.

Place a love note somewhere your significant other will find it –in their briefcase, on the bathroom mirror, in a pot — anywhere (ptmoney.com)

Valentine’s Day doesn’t have to be expensive. Some of the best Valentine’s Days come from the heart. Making someone feel loved and appreciated can come in many forms, on any day of the year. Here are some of our ideas.

Use bamboo skewers and strawberries to create a “bouquet” of roses that you can eat!  Couple this gift with a pot of chocolate fondue, whipped cream or some melted chocolate and enjoy! (ptmoney.com)

What are some of your best pennywise ideas? Please comment below.

The Cost of New Year Resolutions

Every year, more than 80% of the New Years Resolutions made fail by the middle of February.  This article will discuss the most common New Years resolutions along with the costs involved.

  1. Sleep More:  Many people believe that if they buy a new pillow, or a new mattress, they will get more sleep.  New pillow and sheet sets can set you back $30-$150, while a new mattress can cost around $500 or more.  Alternatively, eliminating naps, and cutting back on caffeine is relatively free (except for the cost of falling asleep at your desk, and the headaches you might get from the lack of caffeine), while the cost of a bottle of Melatonin is around $10.
  2. Quit Smoking: This resolution is a hard one to calculate.  While the cost of smoking is around $5 or $6 per pack, there is also the cost of one’s health (the potential lung or mouth cancer); the cough that may develop, etc.  Depending on the strength of your addiction, the Nicotine patches and gum (up to $80 per month), and potential doctor’s office visits also create quite a cost (Quinn, 2016). Quitting smoking using cessation methods, though costly, is a temporary cost.  Once you have finally kicked the habit, you won’t be spending money on cigarettes, vape items, or cessation materials.
  3. Gym Memberships and Weight Loss Programs:  Losing weight and getting into shape are two of the most common New Years resolutions, but have you ever thought about the cost? Most gym memberships cost between $55 and $60 per month, and when you factor in the fact that only a fraction of members continue coming week after week, month after month, and that “67% of those who sign up for gym memberships don’t actually use them”, that gym membership is incredibly expensive! The cost of Weight Watchers (a monthly membership cost), and Jenny Craig (a monthly meal subscription) and Nutrisystem could cost you several thousands of dollars per year! All cities have parks where you can throw a frisbee, or play basketball with your friends (or children).  Some parks have tennis courts, skateboard parks, and outdoor gyms with stationary bicycles, leg presses, rowing machines and more (parkwarehouse.com, 2019).  Eating healthy fruits and vegetables and exercising on your own if you have the motivation, determination, and ability, will save you doctor visits, gym membership costs, and weight loss program fees. In many stores, the outside perimeter of the store contains the healthiest, most nutrient-dense foods (Shapefit, 2018).


Outdoor Gym Equipment. (2019). Retrieved from Parkwarehouse: https://parkwarehouse.com/product-category/outdoor-fitness-equipment/

Quinn, M. C. (2016, 01 05). Here’s How Much Your New Years Resolution Will Cost You. Retrieved from Huffington Post: https://www.huffingtonpost.com/gobankingrates/heres-how-much-your-new-y_b_8917220.html

Shapefit. (2018). Shop The Outer Perimeter To Find Nutrient Dense Foods. Retrieved from Shapefit: https://www.shapefit.com/diet/shop-outer-perimeter.html



Holiday De-Stressing

I don’t know about you, but I really start to feel the stress of the holidays right after Thanksgiving, and up until Christmas Day has ended. Don’t get me wrong — I LOVE the holidays, in fact, Thanksgiving and Christmas are my favorite holidays of the year, but that doesn’t change the fact that the holidays are stressful.  You not only have the stress of cooking all day with family in town and little kids running afoot while you’re preparing turkey, mashed potatoes, green bean casserole, and gravy all at the same time while you’re family is watching football. Or, there is the stress of things like the “Thanksgiving Creep” — where Black Friday creeps so far into your thanksgiving celebration you either have to ensure your family dinner is early, and I mean early, or you have to skip family dinner in order to shop. I see this as a travesty of justice — a way to put you in the middle of having to choose between your family and saving money for that special toy your child wants that you cannot afford.

Even though I am Pennywise, I choose not to even look at Black Friday ads for stores that are open on Thanksgiving. I won’t support them. I refuse. Life is too short to choose family over shopping, in my opinion. Family is only in town for a very short time, and you are already spending all day in the kitchen cooking to prepare the perfect meal. By the time you get the food on the table, it would be time to go Black Friday shopping, if you were so inclined, and you’d miss sharing special time with your family, or you’d have to rush through dinner to be able to get out the door in time. Like I said earlier, life is too short for me to want to do that. I’d much rather spend time preparing the meal in the morning/early afternoon, and then spend the rest of the afternoon/evening enjoying the company of  family and friends from near and far.

Honestly, it’s easy for me to choose family over finances. I hate, and I mean HATE Black Friday shopping. Yes, you can get great deals, but it’s just too crazy and I don’t mean a little crazy either.  I mean you stop at a light and without moving more than a car length ahead, your light turns red, and the other side’s light turns green. Once you get to the store, people are rushing all around you, trying to get their holiday shopping done, and they see you grabbing for the last Hatchimal and elbow you in the eye so they can get it first, only to find out afterwards that you were just reaching for a Lalaloopsy doll and weren’t in competition for that Hatchimal after all. I just feel that life is to short to compete for gifts, to give up family time on Thanksgiving Day, or to fight the traffic that never seems to move. 🙂

Whatever you decided this weekend, you’re likely all stressed out from Thanksgiving, holiday shopping, and putting up Christmas lights, so I thought you could use some ideas for relaxation and de-stressing. Of course, I’d love to hear your ideas, so please comment below if you have any other ways that you like to relax:

Take Time Out for Yourself

Take some time out for yourself. Think for a while about what makes you feel good, and then do it! Do you like to cuddle up with a good book, by the fire? Or, perhaps you are the type who would rather paint your nails, or light some candles and take a bubble bath? Maybe there is a great movie you’ve been wanting to watch, but haven’t been able to because of all the things you need to do. If you find that you are too busy to take time out for yourself, talk with another busy friend to see if you can do things to give each other the gift of time, such as prepare twice as much food for dinner one night (giving one meal to a friend and keeping the other for yourself), so your friend could have a couple of hours to herself, and then a night, or two later, she could prepare twice as much food so that you will have time to read a book, paint your nails, or take a bubble bath — doing whatever you really enjoy that will make you feel good. Not a cook? Not a problem! Try trading babysitting with each other to provide a few hours for each of you to do something special for yourself. Spending a few minutes — even a few hours — by yourself after so much family time will often help you recharge and feel rejuvenated, and none of it has to cost much.

Give a Gift of Time

Gifts of time are my favorite gifts — they don’t cost you very much at all – often, just your time. If there is a cost, it is generally nominal. My husband takes a vacation day on my birthday every year just to clean the house! This gift, though to others may not seem like much, means the world to me! Though I have appreciated this gift for the past 15-20 years, I appreciate it even more since I was t-boned two years ago, and I have a much harder time cleaning than I used to.  Gifts of time are always the right size, always the right color, and they never have to be returned — they are my favorite, perhaps because of the thoughtfulness of the giver.

Spend some time with a friend you haven’t talked with in a while. This is the time of year when people, especially older folks and single moms, feel lonely and/or overwhelmed, especially if there aren’t a lot of people who call to check on them and see how they are doing. Single moms, especially, love to have the gift of a babysitter, a meal they don’t need to cook, or housework they don’t have to do. Older folks, especially widowed people, love to just have someone come and visit them — their favorite gift of time is company — someone to share a piece of pie and some coffee, or tea with.

Another gift of time is volunteering. This is the time of year when many places are looking for people to volunteer to help them — the Salvation Army often needs bell ringers, people to work in their stores, and people to help create and distribute food baskets; rescue missions need volunteers, pet shelters need volunteers — even your local Goodwill is likely getting more donations than they can handle! Helping others makes you feel good and makes you forget about your own troubles, as you see others who probably are worse off than you are. Plus, when you help others you feel like you’re really doing something worthwhile — you see how happy you are making others, and even what a difference you are making in their lives and it makes you happy, too! Many people will thank you for your service and will really appreciate whatever you do for them.


Thanksgiving on a Budget

Thanksgiving is a holiday that isn’t always as thankful as it should be — while Thanksgiving should be about things you are thankful for, and spending time with your family, you don’t always feel thankful. 🙂 After spending hours upon hours at the grocery store, and then spending all day cooking dinner for a few moments together at dinner, and then several more hours cleaning up the mess while members of your family watch football, it’s sometimes hard to find things to be thankful for and even more difficult to stay on budget.  While you’re losing your sanity trying to create the best possible Thanksgiving for your family, most of your guests won’t even notice, or care, if you’re doing everything on a budget.

You’ll need a few decorations to liven up the holiday spirit, and some food to make everyone feel at home.

Thanksgiving “Potluck”

One way to keep the budget lower and your sanity intact is to ask everyone to bring an item. While you’re baking turkey,  or whipping up mashed potatoes, someone else can bring the green bean casserole, apple or pumpkin pie, and yams, or whatever your family likes. If you don’t have to make everything yourself, you won’t be as tired at the end of the day, won’t have to spend as much money for ingredients, and you’ll have more time and energy to enjoy the family, and friends that are there to spend time with you.

So, let’s get started. Thanksgiving just wouldn’t be Thanksgiving without turkey, so you’ll either need to find a way to obtain the turkey inexpensively (your local foodbank will provide you one if you go on their appointed days and times, for free), or, if you choose to purchase a turkey, you can often get a free, or very low priced turkey if you spend a certain amount. Another alternative would be to scrap the whole turkey and opt for turkey breast, or drumsticks instead. Since supply and demand dictates price, and the general population is demanding whole turkey, turkey breasts, and drumsticks are much less expensive.

Buying a 10-pound bag of potatoes is often less expensive than a 5-pound bag, but get what will work best for your family. In my local grocery store, it’s $1.68 for a 5lb. bag of potatoes, but for just $1.30 more, I can get a 10lb bag of potatoes — that’s an extra 5lbs of potatoes for only a small amount more. If the cost of the potatoes are too expensive, or you don’t feel you could use 5lbs or 10lbs of potatoes, opt for instant mashed potatoes (another item your local foodbank will provide for free if you go).

Making gravy is easy and inexpensive since you can often make it with pantry items you already have on hand. Just take the turkey drippings, add in 1/3-1/2 cup of flour, and enough broth, or bouillon to give it a spoonable consistency, cooking it on medium until it boils, and then reducing it to low while stirring often.

Rolls, or biscuits are often staples at a Thanksgiving meal. Make them yourself to save money, or pick up a pack for a couple of dollars. Thankfully, a package of rolls isn’t more than a couple of dollars, so you can grab some without sacrificing your budget, unless your family is like mine and you need a gluten-free alternative, as my husband is celiac (allergic to gluten). In that case, making rolls is your only alternative if you don’t want to spend much money — our go-to gluten-free roll recipe is: Gluten-Free Pull Apart Dinner Rolls.

Jello parfait is also a very inexpensive side dish at a Thanksgiving meal. Just mix up a package of instant Jello (following package directions), and then once it is completely set, cut the Jello up into small pieces, and then mix in a cup, or two of whipped cream.

Stuffing is likely going to be your most expensive Thanksgiving item. Using dried herbs rather than fresh, if you have them in your pantry, will save you money. Just remember that you generally use fewer dried herbs than you would fresh. Here is a recipe from Recipe4Living, and another one from Epicurious for traditional stuffing that uses items you likely have in your pantry (unless, of course, you opt for the fresh versions of the herbs that they ask you to use).

Finally, you must have a dessert, and what would Thanksgiving be without a traditional Pumpkin Pie recipe? Here is a pumpkin pie recipe that won’t break the bank, if you purchase the items while they are on sale in the few days (maybe even a week) before Thanksgiving. Here is a great recipe from Allrecipes.com.


Now that you have the food under control, it’s time to think about decorations. One simple decoration, that serves dual purpose as a way to keep kids occupied, is to take Kraft paper and roll it across your table as a tablecloth. You can add your own drawings, or even trace around your place settings to add some décor, but one of the best things about this brown paper tablecloth is that it entertains the kids of all ages who are waiting for dinner! Perhaps ask each person to write something they are thankful for — this will help them to remember their answers now, and then later, the tablecloth can be folded and kept as a memento, or can be cut apart and easily turned into scrapbook memorabilia.

Napkin Rings.  These turkey napkin rings are easy, inexpensive, and adorable. You can use any kind of felt — you don’t have to use the felt recommended in the article. 🙂

Dual purpose decoration and dessert. These cute little Candy and Cookie Turkeys can serve as both decoration before dinner, and dessert after dinner. Everyone — young, and old — will love these adorable candy and cookie turkeys that can be made fairly inexpensively — especially if you remember they serve two purposes, and you likely won’t have them on the table long enough to need to clean them up after dinner! 🙂

Can of gold, copper, or orange spray paint and leaves, pinecones, and acorns. You can make anything look more expensive with a can of spray paint. Get leaves from your yard, or a local park, lay them out on a piece of cardboard and spray paint them with gold, copper, and orange, and you’ll have some gorgeous décor to lay on your table.  Gather some pinecones, or acorns from under your tree, spray paint them and, after dried, place them in a bowl with some unused pillar candles from your local dollar store for a creative and decorative centerpiece. When painted in gold, copper, or silver, pinecones can be reused for a Christmas centerpiece at a later time.



$5 to $10 Date Ideas

Follow my blog with Bloglovin“>Follow my blog with Bloglovin This time of year I often realize that it’s been a while since my husband and I have gone out on a date. With large medical bills and 3 kids (2 teens), we have amazingly tight finances.  Unless someone gives us a gift card to a restaurant we don’t have the option to get out and go anywhere, just the two of us to spend some time together catching up.  So, with little to no money at the end of the month, how can we go on a date?

Romantic Date on a Lake – $8

In the summertime, when my husband and I were dating, we often didn’t have money for dates. On one occasion, he took an inflatable boat he already owned, a 6-pack of soda, and a $5 pizza and we had a romantic boat ride all around a man-made neighborhood lake. I still think fondly of that date, even though it has been nearly 30 years since that date with him.

Dinner and a Movie for Around $10

We have two restaurants in town that serve tacos for a very low amount. One has two tacos for $1.37 (after tax) and the other has 79 cent tacos. There are also many places where you can buy $1 cheeseburgers, or $1 chicken sandwiches, and one that I know of that charges $1 for any size soda. Of course, you can save $2 if you each order water. 🙂

My husband eats more than I do, so one $1 cheeseburger or chicken sandwich will not fill him up. But, two are plenty for him. For us, our meal comes to $3 plus tax (he has two and I have one sandwich/burger). At our dollar theater, you can pay $1 plus tax to go to the movie without getting any goodies, or you can pay $3 to have popcorn or a candy and a soda. For each of us, that would be $6. After tax, we still spend less than $10 for a few hours away from the kids, enjoying each others company.

When Kids are Away from Home

We have three kids and every once in a while all three kids spend the night somewhere else. When this happens, we get a rare chance to have a special night together without going anywhere. (If you have a friend with kids, you could trade babysitting nights so you each get some time alone). That’s when it’s time to break out that inexpensive wine from the trader store with the name about two-bucks? 🙂

After we’ve got that bottle of wine open, we put out a linen tablecloth and set out our special dishes, light candles and enjoy a candlelit dinner at home. My husband had this idea one year and it was amazingly wonderful. After dinner, we cuddled on the couch to binge watch tv or watch a movie. On another candlelit dinner, we just talked for hours after dinner. We caught up on our busy lives, talked about favorite hobbies, music, or sports. Talking helps us bond and rebuild our friendship, and it’s free — all it costs is a bit of time. If we keep our talking to subjects that will not cause a “loud debate”, it stays an enjoyable evening. 🙂

Dancing in the Moonlight

This date idea isn’t just for the movies. Have you ever driven to a lake, a park, or even a parking lot with a view of the city, or the mountains, and realized how beautiful the night sky is? If you have a beautiful person with you, and you have great music on the radio, why not roll the windows down, turn up the music, and turn on your charm, so you can dance in the moonlight with your special someone. This date idea is free — it just takes a bit of time getting to your location, and possibly some time convincing your partner to dance with you under the stars. 🙂

Picnic in the Park

Of course, this idea is cliche’. Most people, at some time in their life has had a picnic in the park — they’re inexpensive, fun, romantic, and easy. In the winter time, this idea is not very practical – it’s often too cold, but you could drive to a park, find a nice parking space with a view, and eat your lunch, or dinner, in your nice warm car while you enjoy some casual conversation watching the traffic go by, or the ducks land on the water.

My husband and I used to have a private place for a picnic, for conversations, for cuddling — a little alcove in the bushes right next to the river that we could go to during the spring, summer, or fall. During the river, there were no branches on the bushes, making our “private space” too public for use — not to mention, it was very cold to be outside, next to the river in the winter. 🙂

Wine Tasting

If you are able to get a Groupon, or some other promotional special, you can generally take part in wine tasting for around $10. Sometimes, you can even get a coupon that will allow you to have wine tasting and take home a bottle, or two of wine. My husband and I watch for this type of coupon, and then schedule our wine tasting when the winery has an event going on allowing us to have two experiences for the price of one! We love to go to wine tasting whey the winery is having a concert, so we can listen to terrific music while we are enjoying each others company, relaxing while listening to each other’s conversation and the terrific music being played live.

Sunset Trip

I love sunsets. I think the different colors on the clouds, and in the sky are absolutely gorgeous! To me, there is nothing more romantic than cuddling with my husband watching the sun set; the pinks and blues painting the sky. If you live in the city, there is nothing like watching the sunset in the country, or high up on a mountain overlooking the city. Once the sunsets, the stars come out, and you end up with a romantic, sparkling blanket of light.


Pennywise Ways to Save on Utilities

We have a family of five, and with my recent ankle surgery to repair two torn ligaments (they apparently should have healed on their own, but didn’t), we were forced to move from a tri-level to a single level home out in the country.  We didn’t plan for the complications that would follow: a DVT blood clot, de-conditioning of my body forcing my heart to work harder, etc. As a result of all the extra medical bills, my husband took on four jobs and I started looking for ways to save every penny, nickel, dime, and dollar that I can!

Since we don’t have a car payment, credit cards and utilities are part of our largest bills (after the mortgage and student loans, of course). Saving on utilities will be the focus of this article, and we’ll get into ways to save on credit cards, student loans, and the mortgage at some point in the future. The following ideas are just some of the ways we are trying to save money on our utilities. If you have other ideas, please feel free to share them.


When brushing your teeth, do you leave the water running, or do you shut it off while you are brushing, and then turn it back on when you need to rinse off your toothbrush? I have found that with five people in the house, brushing their teeth two to three times per day, or more (we have a little girl who is concerned about her teeth because her older brother had to have a root canal, and my husband who has been obsessed with brushing his teeth ever since he got braces) we can conserve water by rinsing off the toothbrush, shutting off the water, applying toothpaste, brushing teeth, and then turning on the water only when we are rinsing off the toothbrush again. This method probably save several gallons of water per day.

Another way to save water is to collect the water that is being used when water is heating up. Saving empty milk, or distilled water jugs, gives you the ability to save the water that is otherwise going down the drain. The saved water can then be used for cooking, giving water to pets, drinking water for yourself, water for plants, and vegetables, and hand-washing nylons and other hand-wash items that don’t need to be in warm, or hot water.

When shaving, if you pull the plug up and collect the cold water with the hot while it is heating up — then the ultimate hot water will heat up the cold and you have conserved a bunch of water. If the water still is not warm enough, drain a little out, and add more hot water — this way, you’ve conserved at least some of the water.

Outside, you can save on your water bill by watering during off-peak hours, and by watering when it is not so hot that your water dissipates before it has a chance to soak into the ground. Call your water company to find out the least expensive times to water your lawn.


Power Strips. We have personally found that we can save about $5 per month by plugging as many items as we can into power strips. Of course, you cannot plug your freezer, or refrigerator into a power strip, but just about any non-essential appliance can be plugged into a power strip and powered off when not in use. Although this means that you may have to wait a couple of minutes for the power to get to your television, you’ll be surprised at how much money you’ll save in the long run.  I know $5 per month may not sound like much, but Pennywise Families will realize that every little bit adds up — $60 per year might be an extra tank of gas for the car, or a family meal out to celebrate a big event.

Second, if it is an option for you, use flat pay, or level bill pay, whenever you can.  Flat pay can save you money per month by leveling out your bill, so you don’t have unexpected expenses and you pay the same amount every year — no more $300-$400 bills in the summer from your air-conditioning usage! We did this at our former house, and we went from $300 bills in the summer, and $75 bills in the winter, to $120 bills per month all year long for a 2575 square foot house.  Apparently, if you are the first owner of a house, you can’t use level pay until the house has been lived in for a year, so it’s not an option for us just yet, but will be next June!

Line Drying clothes.  You’d be surprised at how much this option can save. Although resistant at first, I have learned that your dryer uses a lot more energy than you might think. By adding an extra spin to the washer, excess water is already out of your clothes. When you hang them to dry, be sure to give them a snap, and ensure you have as many wrinkles out of them as possible. Hanging them for a few hours, then drying them in the dryer will soften stiff clothes like jeans, towels, and sheets.

Windows. Since we live in a home, we are able to use our windows for light during the day. Opening up the blinds provides us with enough light to see by during the day, and we only have to use the lights at nighttime, or when we go into our closet (deep inside our bathroom where no natural light gets to it).

Another way to save money with regard to windows, is to use blackout blinds to block out summer heat, add insulated fabric to drapes, or add plastic film to your windows during the winter.

Oven use. In the winter, the oven can help heat the house. It’s also when we want to do more baking for the holidays, for gifts for neighbors, etc. If you’re going to use the oven, have it do double-duty, or more, if possible cook two meals at once — tonight’s and tomorrow’s and then reheat tomorrow’s meal; bake a pie, or brownies while you are baking dinner; and then leave the oven open all the way (if you don’t have little ones, or leave it open a crack if you are worried someone in your house might get burned) to let the heat out, allowing the oven to heat up your house while it cools down.

During the summer, barbecue or use slow-cooker to prevent your house from heating up while the meal cooks. Otherwise, your air conditioner will need to come on to cool your house back down.

Programmable thermostat. Use a programmable thermostat to set a temperature that is comfortable, and then forget it. Keeping the same temperature actually saves more money than having the air-conditioner, or heater fluctuate on and off all day long.

Seal attic walls, doorways, and windows, and add insulation to your attic and crawl spaces. Be sure you check your home for leaky windows, spaces underneath your door, or in your attic. Add insulation to your attic, and crawl spaces, after you’ve checked to ensure all areas are sealed. By adding insulation, you can keep the warm, or cold air you’ve already paid for in your house, instead of allowing it to seep out through places that have no insulation.



Last Minute Pennywise Costumes for Halloween

If you need a last-minute costume idea that won’t cost you an arm and a leg, here are some ideas:

Flower Pot

This child’s costume was put together for just a few dollars using items from the Dollar Store. It’s an adorable costume for a beautiful girl!

Costume Cupcake Cutie

Hungry, and looking for a cute Halloween costume idea? This costume was designed by someone who was “crafty” and creative. Bought with items from the local craft store, this costume is SO SWEET!

Lego Costume

I really LOVE this idea! Having grown up with Legos as a child myself, and three kids who played with Legos, I have a deep appreciation for them.  Legos can build anything – even a terrific, inexpensive costume!


This pizza looks so good on this kid, it makes me hungry!

Chia Head Costume

Remember the old Chia Head pets we could buy when we were young? Maybe they still sell them today. Anyway, I’ve never thought about becoming a Chia head for Halloween, but it’s a very creative and pennywise idea!

Spiderweb Cape

I think Spiderweb cape looks incredible! The fact that it doesn’t require sewing makes it even better. It appears to be a quick and thrifty costume.


Emojis are all the rage right now, and this costume is no different! Make a happy, sad, confused, romantic, or other emoji.

Snow Cone Costume

Want to be a little cooler this Halloween? This snow cone costume is about as cool as you can get! 😊

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We all have nerds in our life.  If you know “There is no place like”, then this is the best costume out there!


Inexpensive and Fun Halloween Food

Spiderweb Brownies

These spooky brownies are super-easy to make! I learned about them from Delish – Cobweb Brownies You basically just make up any boxed brownie recipe or use your favorite brownie recipe, then melt marshmallows in a small pan, stirring constantly. Warning! Don’t put marshmallows in the microwave – they enlarge and enlarge and then they explode!  These brownies are boo-tiful, and the kids absolutely love how the marshmallows are thin, gooey, and stretchy.

Stove-top Buttered Popcorn

Whether it’s Halloween, or just a night when you want to curl up with a great big bowl of popcorn to watch your favorite movie, this popcorn is to die for! My family absolutely loves it when I make stove-top buttered popcorn. The secret to making it is to clarify your butter first. Clarifying butter is a fast process, and is well-worth the small amount of effort it takes. Put an entire stick of butter in a microwave-safe bowl and melt the butter on high 30 seconds at a time until it is completely melted. Let the butter sit for 5 minutes to congeal a bit, allowing the “fat” to rise to the top. Then, scrape the fat off the top and wait another 5 min. Keep letting the butter cool and then scrape off the fat until the butter is all clear. Now, you’re ready to make your popcorn. Put 1 Tbsp. oil in the bottom of a pan and turn the stove top on to medium. When a tiny bit of water dances on the oil, then the oil is ready for the popcorn. Add 1 cup of popcorn to the oil in the pan, and put the lid on the pan. Once the popcorn starts popping, you can turn the heat off the stove and continue allowing it to pop until the popping slows. Then, remove the popcorn from the burner, pour your clarified butter over the top, and add salt to your liking. I generally need to make 2 or 3 batches of this to feed my family of five because they love this so much!

Octopus and Seaweed

Octopus and seaweed is a fun, inexpensive meal to make anytime. It is made from Ramen noodles, green food coloring and hotdogs, and mustard. Make Ramen noodles according to package directions and then remove the noodles from the broth and drain them. Add green food coloring to the noodles until it is a dark enough green for it to represent seaweed. To make the octopus, just cut the bottom half of a hotdog lengthwise in half, and then cut each of those halves in half the same way.  One more time, cut each half into half until you have 8 very thin legs. Very carefully, dot mustard on to the hotdog to create a face. Two mustard dots for the eyes, and a mustard line for the mouth. Then carefully, set the octopus on top of the seaweed.

Boogers on a Stick

Want a fun Halloween appetizer that completely grosses out your guests? I found this on Pumpkinnook and believe it is a great idea if you want to truly gross someone out. My kids thought it was a gross idea, and were unsure about whether they would want to try it, or not, but ultimately decided they wanted me to make it. I guess gross is still something fun!

Eyeball Taco Salad

This is a fun, main meal dish that can be whipped up quickly with just a few ingredients. Found at Kraft Recipes, this recipe is PERFECT for entertaining. It’s just spooky enough to get people talking, while filling enough to keep them from leaving hungry.  


Monster Faced Salami

This is SUPER EASY and such a blast! Just take a beef salami log cut into very thin pieces and then use mustard to dot on eyes and a scary face.

Spider Mac N Cheese

My kids absolutely LOVE macaroni and cheese. This recipe is a great way to fill the tummies of the people you care about while having fun at the same time. Check it out at Kraft!

I hope you have a great time at your Halloween party! Leave a comment if you have more inexpensive Halloween food ideas, or if you have a suggestion for a future article. As for me and my family, we will be enjoying all of these recipes on Halloween night! If you decide to try them, too, I hope you will have a spooktacular event! 🙂

Pennywise Families

Debt can be quite a burden, and having debt impacts your ability to do things with your family. My purpose for starting this blog was, and is to help others. I want to pass along the knowledge I derive to help my own family to dig out of debt and live life to the fullest to other Pennywise Families to help them live an abundant life on a tight budget, too!  Here, you will find crisis recipes (recipes you can feed your family for very little money); fun, frugal activities; a page to share your favorite Pennywise Families tips, and more! Join us every Monday morning for pennywise articles.

Coming, Monday, October 30th:

  • Halloween Party Foods
  • Last-minute Halloween Costumes

Monday, November 6th, you’ll find:

  • Pennywise Ways to Save Money on Utilities
  • Crisis Recipes



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