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You may also write to us at: Townsquare Media, Inc. They put the money in savings and earmarked it for a purpose: three years of law school for Jesse. While they were both committed to work and stay out of debt while Jesse was in law school, Crystal had to take their frugality to a whole new level. They imposed a beans-and-rice law school budget and in the process found dozens of ways to squeeze a dollar out of dime. Pinching pennies paid off because when Jesse graduated from law school in , the Paines had no student loans or debt of any kind.
After law school, their income increased when Jesse landed a job that paid more than the bills. Jesse and Crystal were willing to wait for 5 years. Even while paying rent, they would be in a better position than if they saved up for a down payment, got a 15 year mortgage and paid it off in less than Before buying anything, they would carefully consider the purchase and usually found a way to make do with what they already had or go without in order to throw more money towards their house savings goal which, they admit, they did not meet every single month.
In , Jesse and Crystal paid for the first home in cash. Coupons are available in newspapers and online. Go generic as much as possible. I also wish there were more Biblical references because the Bible says SO much about money. It would nice to tie some of the principles into Overall, I hope that all women, especially moms, will take the time and effort to become more financially literate. Paine's audiobook is a great way to be a better steward of all that God has blessed you with. Jan 25, Amy Rae rated it did not like it Shelves: books-on-tape , nonfiction.
Is there anything worse than listening to a grownass woman with a lobotomized-sounding little girl voice telling you how to run your life? I picked this one up because I was like "hey, moms are busy, this will probably have good advice without trying too hard a la Jen Sincero. Seriously, though, go listen to this sample and experience that fucking voice. Crystal Paine shouldn't be reading her own books, she should be working on graduating to middle school.
View 1 comment. Dec 15, Dianna rated it really liked it. This book is an easy and quick read, and chock-full of ideas for saving money. We start with the basics: budgeting, getting out of debt, saving money on everyday necessities. I really like that Mrs. Paine focuses on goal-setting so much. Although I'm pretty frugal overall, I think that setting goals would get me a lot father—goals give you something to work toward.
I couldn't help comparing this book to Dave Ramsey 's The Total Money Makeover : they both advocate getting out of debt, not getting into de This book is an easy and quick read, and chock-full of ideas for saving money. I couldn't help comparing this book to Dave Ramsey 's The Total Money Makeover : they both advocate getting out of debt, not getting into debt in the first place, and living frugally and within your means.
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What I like so much about The Money Saving Mom's Budget is that she goes more into the nitty-gritty of making it happen: it's one thing to say you're going to spend less on your grocery bill; it's another thing to actually do it, and it's not as simple as it sounds. Crystal takes you through this step by step, as well as offering lots of other ways to save or make extra money. I'm a pretty frugal person, but I love that this book still gave me a lot to think about and lots of ideas to try.
Now to get moving! Crystal Paine blogs at Money Saving Mom. I received a review copy of this book in exchange for my review. Sep 08, Laura rated it liked it. I thought this was a good book. If you read her blog, a lot of the material and ideas are similar and the blog is sometimes fresher - this book is only 3 years old, but it felt a bit dated.
The most helpful sections for me here were the grocery shopping and meal prep ideas. I also liked the reader stories that she shared as examples. In the beginning, her cheeriness wasn't an issue. Towards the end, when she took a turn to the spiritual on choosing contentment, I wasn't as intereste I thought this was a good book. Towards the end, when she took a turn to the spiritual on choosing contentment, I wasn't as interested. It's not that I disagree with her or that the section isn't well-written, it's just very personal stuff and her approach didn't work for me.
Worth checking out for some budget tips. She also has a helpful resource guide and some book recommendations sprinkled throughout the chapters that would be helpful for saving in specific areas. I may have already known much of what is in this book but it was worth my time to listen to this book and hear it again. AND … I love that it comes with the downloadable worksheets. I am able to work through those while listening to Crystal speak.
So helpful. Perfect for my busy schedule. Crystal will be hosting an evening of chat, laughter and encouragement — bring your friends! Hope to see you on the 5th! Want more info about the MSM? Click here! If you would like to listen to interviews with other authors and professionals please go to www. I was not required to write a positive review. The opinions I have expressed are my own. May 22, Kim Heimbuch rated it it was ok. She reads very quickly and I feel as if I am being yelled at hidden behind a smiling chipper voice.
Going to try and push through it The overall information is well laid out and mostly common sense. The majority of the ideas seem to fit well only for stay at home mom scenarios. While she did suggest doing small things for money here and there, one solution to overcoming financial burd Currently listening to Crystal Paine's audiobook "The Money Saving Mom's Budget" read by herself. While she did suggest doing small things for money here and there, one solution to overcoming financial burden and debt is to become a 2 family working household.
For all of the hours in a day it would require to sit at a computer and do surveys, reward events etc,to earn anything, you are obviously not paying attention to your child ren so you might as well go get a part time job. Even at minimum wage with paying half of your hourly wage on child care will reduce the time spent and increase the amount made each month.
Another solution is to work a different shift then your partner. It will pay off the debt faster giving you more time to spend together as a family unit. There is never an easy way out, and the best way to avoid debt is to merely live within your means, don't have children until you are financially ready and using common sense. I would recommend this book simply for all of the links provided to many useful resources as well as how to utilize coupons, especially drugstores, but not in audio form. Crystal read the book herself and she spoke way to fast, and I felt as if she were yelling at me from behind a big smile.
I could hear her swallowing and the spittle building up as she spoke made me wince every few sentences an she sped-read the book.
Where to Start Saving
Mar 30, Laura rated it really liked it. Based on sound wisdom, this book will help you put together a budget, encourage you to pay cash and not use credit , to pay down your debts as quickly as possible, and to take control of your life. Each chapter includes stories by real people, like one couple who lived in a run-down trailer until they saved enough to buy a house, and then a second car, debt free.
It also includes dozens of ways to save money, stretch your dollars further and bring in extra income. There are rules broken down into twelve months so you can introduce yourself to a new financial habit, one month at a time. Like for instance, you could dedicate one month to learning how to use coupons, shop by sales flyers, and save money on groceries. Excellent resource for moms, dads, couples, and even singles. Feb 16, Lynn rated it really liked it. Wow I seem to be reading many books that I find interesting and have great ideas but I don't plan on following for the whole book.
What I liked about this book? Crystal Paine, the author, cuts things into very small chunks. She asks basic questions about goals and goals that aren't just about money. What do you like to do? Do you have a time budget? Now you might want to ask, why does a book called money saving budget have a question about time? Well when you can budget you Wow I seem to be reading many books that I find interesting and have great ideas but I don't plan on following for the whole book.
Well when you can budget your 24 hours and reduce clutter and know where things are then you don't have to waste time looking for that little craft dohdah which you ultimately go out and buy at the store because you can't find the three you already have. Budgeting is a tool to utilize your resources. Time is a finite resource. Your money is also a resource. She does have some excellent ideas and web sites that she includes in the book proper as well as in her appendix.
She also has a pretty down to earth way of looking at things -- take a month and work on this one thing -- don't come back until you got this down. She doesn't expect miracles in 10 days. I think this could really help a person! Read it just for some great ideas and some helpful worksheets. Nov 17, Beth Anne rated it it was amazing Shelves: I was given an advance copy of this book by the author in exchange for my honest review. This is a quick, easy, and encouraging personal finance book It was also much more than a book about money.
The principals of being careful with your finances extend to all aspects of purposeful living. Crystal Paine writes MoneySavingMom. As someone who reads her blog regularly, I was famili I was given an advance copy of this book by the author in exchange for my honest review. As someone who reads her blog regularly, I was familiar with a lot of the material in this book, but it didn't seem redundant or boring. The chapter on budgeting your time was especially helpful for me. I am challenged to now budget a specific amount of time for certain tasks and focus fully for that time, instead of getting distracted by several tasks all at the same time.
Crystal gives step by step instructions on bow to pair down your budget, live within your means, give generously to others, make a little extra money, and de-clutter your life. Most importantly, she reminds us to be content - not envious of what others have or comparing situations. So important!
Additionally, all the proceeds of his book are being donated by the author to Compassion International. Jun 06, Kristen Rudd rated it liked it Recommends it for: anyone looking to save money. Recommended to Kristen by: New Books shelf at library. Shelves: personal-finance , non-fiction , I used to follow Crystal's blog a while back, so when I saw this on the New Books shelf at the library, of course I had to pick it up. I feel like I'm pretty on top of things with our budget, but I would like to be saving a little bit more I'm trying to figure out how to save for replacing our vehicles down the road , so this came at a good time for me.
I like that this starts you off in reasonable chunks for learning how to set goals, budget, save, and use coupons. It can be very easy to dive I used to follow Crystal's blog a while back, so when I saw this on the New Books shelf at the library, of course I had to pick it up. It can be very easy to dive right in full-force and get overwhelmed, especially reading her site, so it was good to hear that she advocates starting slowly.
Crystal can often come off preachy, and she doesn't leave a lot of room for nuance, but it's always good to get motivated to take control of your finances. This was a quick read - I got through it in about an hour and a half, but I'm also pretty familiar with her approach to things. Three stars. Jan 29, Anne Bogel rated it liked it. I'm a Money Saving Mom reader, and this book does a good job of capturing the essence of what Crystal blogs about.
Her personal story is so inspiring and she summarizes it well here. I gave this book only 3 starts because while the book contains quality content, it feels incomplete.
I felt like I was reading the middle of a good book that was missing the beginning and ending. That being said, this book would be an excellent primer for anyone trying to plant their feet on firm financial ground, a I'm a Money Saving Mom reader, and this book does a good job of capturing the essence of what Crystal blogs about. That being said, this book would be an excellent primer for anyone trying to plant their feet on firm financial ground, and great motivation for anyone who wants a reminder of why they want to live frugally in the first place. May 01, Sara Budarz rated it liked it Shelves: home , non-fiction , female-author , self-improvement , chick-lit.
Can I just admit something right up front? I think we all have our ways of giving our brain some down-time, where we passively entertain ourselves with things of little substance. I think TV shows meet that need for many people, but alas, something about my brain does not let me enjoy TV. So when I am tired but somehow need noise, and want to be distracted, I turn to my version of TV: audiobooks on cleaning, or budgeting, or both. Ideally in a setting that has little to do with my real life. Thi Can I just admit something right up front? This, my friends, is my version of absurd mindless bliss.
Now, granted, I don't often feel the need for these books, but every few months, or after reading way too many deep books in a row and being emotionally spent, these books are fantastic. Seriously, give it a try. Sometimes the books actually turn out to have somewhat useful ideas too, so that's a double win, like trying to commit to cleaning just 15 minutes a day, but every day, using a timer.
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- "The Money Saving Mom's Budget" by Crystal Paine - Book Review.
There are worse ideas, and why not, right? Anyhow, I digress. But all of that is to say that I happened to find myself craving something light, and so downloaded this audiobook. And for what I needed, it was great.
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Which isn't to say it doesn't have value, but it is just a book written for a completely different audience, one that is clearly interested in couponing, which I am not. I also happen to live in a country that doesn't have coupons, thank goodness, so I don't even have to feel guilty about having zero interest in wanting to save a few pennies through what always seems like way too much work. Sorry, maybe I just don't understand the couponing world.