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How to Clean Your Teeth at Home

Note from Crystal: I know that this topic might be a bit controversial and I personally would differ with some of the conclusions of the guest poster and do believe that regular dental visits are something that should be prioritized if you can at all make it happen in your budget. However, I decided to share this post here because I thought it might give some great ideas for those of you who are unable to afford regular dental care. It also is a great reminder for all of us to think outside the box and this might be a great option for in between dental visits and/or to reduce the costs of needing extra expensive dental work.

Please do your own research and do what is best for you and your family. If you have other suggestions for ways to save on dental care, I’d love for you to leave them in the comments. As always, sharply critical comments will be deleted but we welcome kind and gracious comments that contribute to the conversation.

Guest post from Liberty:

When was the last time you had your teeth cleaned? How about your kids’?

If you’re like many people, you find it challenging (particularly on the budget) to faithfully book teeth cleanings for each family member every six months.

The average cost of a regular teeth cleaning is $137. Multiply that times a couple of children, parents, and you have a regular six-month monstrosity of a dentist’s bill!

It can be difficult enough living on a tight budget without worrying about a huge extra bill, or the worse alternative. an outbreak of cavities (bigger cost alert!)

We all want to provide the care our kids need to enjoy clean, healthy teeth for a lifetime, but sometimes it’s harder than getting your six year old to eat shrimp at your friend’s dinner table!

The good news is you can professionally clean your entire family’s teeth at home for less than the cost of a new crockpot!

My grandmother, a dental assistant for 30 years and only recently retired, taught my family how to clean our teeth ourselves.

I grew up cleaning my teeth at home (and watching my mother clean my teeth when I was younger) and neither I nor any of my siblings have ever had a cavity.

Every once in a while, we’d visit our grandmother and she’d offer us free teeth cleanings at the dentist’s office. But she always ended up saying, “I don’t even know why I do this, your teeth are just so clean!”

The best part about cleaning your teeth at home is that it’s unbelievably easy and extremely cost-effective, in addition to causing other health benefits you may not expect. Teeth cleaning is so easy teenagers can do it — and that’s saying a good deal!

There are four simple steps to clean your teeth:

1. Floss thoroughly.

Run the floss between every tooth twice: once up and down on one side and once up and down on the other side.

2. Scale and scrape.

Gently scrape your teeth with a scaler along the gum line, between your teeth, and over the flat surface of each tooth. Be sure to gently scrape out any grooves you may have in your teeth, and to avoid widening cracks.

You’ll want to use a — they’re actually quite affordable. Don’t use one of those cheapie Walmart teeth-scaling kits.

3. Polish and brush.

Put a small amount of pumice polish on your toothbrush and give your teeth a good brushing. Pumice whitens your teeth and removes plaque and tartar at the same time.

Brush with side-to-side, up-and-down, and circular strokes. Make sure you brush along the gum line as well as the surface of the teeth themselves.

4. Replace your toothbrush regularly.

The pumice polish ruins your toothbrush’s regular cleaning capabilities, so buy yourself a new toothbrush each time you clean your teeth at home.

Yes, even replacing toothbrushes every six months doesn’t raise the cost to more than a fraction of the cost of a crockpot!

It can be intimidating to clean your teeth the first time — you may want to begin by cleaning your family’s teeth at home, and still going in for a cleaning occasionally to see how well you’re doing. Get x-rays. Ask the hygienist if there’s much of a buildup on your teeth. Make adjustments to your home-care routine accordingly until you have the process mastered.

You’ll still save money without worrying about sacrificing the health of your teeth in the process.

DIY teeth cleaning is a cost-effective, rewarding experience!

As you run your tongue along your teeth and feel the newly-smooth surface (the rough plaque having vanished along with the pumice), smile big and show your teeth as you think of all the things you can do with the money you saved.

Legal Disclaimer: As you’ve guessed, I am neither a dentist nor claim to be. This information is provided for informational purposes only and is not a substitute for obtaining professional dental advice. Please use at your own risk.

Liberty is so fascinated with effective DIY teeth cleaning that she wrote an eBook about it: Goodbye Dentist! Professionally Clean Your Family’s Teeth (in Under $20). You can of this step-by-step, pain-free, detailed guide to becoming your own dentist and saving hundreds of dollars.

10 Experience Gifts for Kids

Guest post from Micah of :

For my fifth birthday, my dad gave me a choice between two birthday presents.

  1. A traditional gift.
  2. A daddy-daughter date with no other siblings to come along.

Coming from a family of seven, there was never alone time… and as a little girl, I was practically my dad’s shadow, so naturally, I chose the date with him.

Fast-forward a few decades later, my husband found himself unemployed after leaving law school, and our family finances were tighter than a knot.

Our children had birthdays coming up, and we felt guilty knowing we wouldn’t be able to buy them the toys they were eyeing at the store.

As my husband and I discussed what to do for our children so they wouldn’t feel neglected on their birthdays, the memory of my father’s date came to mind.

I shared the experience with my husband and we decided to try to give experiences to our children instead of gifts.

Our little ones had SO much fun that this has been their birthday gifts ever since!

5 Experience Gifts For A Non-Existing Budget:

I completely understand that a tight budget can be tricky when dealing with experience gifts. In these situations, I’ve found that creativity is my best friend!

1.Use the seasons to your advantage.

Is it winter? Use a trash can lid to go sledding. Are you enjoying summer time? Pick wildflowers together and have a contest to see who can make the most creative headband with the flowers.

2. Have a puddle splashing contest to see who can make the biggest splash.

This one was a hit with our little boy who loves the outdoors. Just make sure you have a lot of clean towels nearby for when you’re done!

3. Take dancing lessons together using YouTube and have a dance party at home.

Use what you have around your home to decorate the dining room or living room for when it’s time to dance.

4. Go on a nature walk and skip rocks in the river.

5. Take your child on a “tour of their life” in your local town.

Drive them to where they were born, places that have meaning to them and share your feelings and experiences with them on how much they mean to you. If you do this option, be sure to have a recorder going so you can write these stories down to give to your child later.

 

5 Experience Gifts When You Have a Little Money to Spare:

When you can budget the experiences, you want to gift your children, you’ll be able to cater to their interest and needs more.

1. Something they love more than anything. 

Maybe they’ve always wanted to be a professional baseball player… go enjoy a day at the ballpark.

Or perhaps they want to be a ballerina on ice skates… take them ice skating.

2. Cooking Classes.

Sign-up and take a cooking class together and then step back and let your child take the lead. You might be surprised at how well they do in the kitchen.

3. Music Lessons.

Does your son or daughter want to learn how to play a certain instrument? Sign them up for music lessons. If you can afford the lessons but can’t buy the instrument, there are places you can rent instruments from, whether this is the music store or your child’s school.

4. Museum Day Date.

Get lost together exploring the wonders of the world, learning about science, planet Earth, history, or anything else your child has an interest in.

5. Day Away With a Friend.

If your child has no interest in doing a one-on-one date, offer to take them and their friends to a trampoline park, a panic-puzzle room, or another fun, group party place where they can have a blast with their friends and family.

I promise (from experience) that children will rarely remember the gifts they receive on their birthday. But they WILL remember the time you spent with them and the memories you helped create.

Toys will eventually break, electronics will quickly become outdated, but the pictures you take and the laughter you share will be something you two can hold onto for a lifetime!

Have you ever been gifted with an experience gift?

Share it with us in the comments below… as well as why you loved this gift so much!

Micah Klug loves being a mother and helping other women DIY their home on a budget, grow their faith in Christ, love their marriage, and strengthen their family relationships by living simply without losing their quality of life or sanity. She writes at , where you can download your free marriage ebook,

5 Creative Ideas to Lower the Cost of Expensive School Trips

Guest post from Karen of :

Statistics show it currently costs a quarter of a million dollars to raise a child in North America… sometimes it feels like half of that goes towards school-related expenses!

“Mom – I need $34 for a field trip next week.”

“Can you give me money for…a new agenda…pizza day…school pictures…and a yearbook?”

And the list goes on.

Everyday items can certainly add up, but one of the largest school expenses is class trips.

A few years ago, one of our boys had an opportunity to go on a three-day school trip a few hours away… for $350! We wrestled with whether we would send him, knowing it was a big-ticket item and would set a precedent for future trips for his three younger brothers.

Ultimately, we decided to pass on this trip since our youth group offered a similar outdoor experience at a fraction of the cost.

Of course, it’s not easy to tell your middle-schooler he won’t be able to go on a school trip with their friends… but after talking with another school mom who also felt the trip was too expensive, a possible alternative emerged.

Together, we organized “Camp Left Behind” for our two grade six boys. While the rest of their class was on the school trip, we did affordable and memorable activities with our boys at home.

The boys enjoyed our ‘homemade’ camp, because they could still miss school and spend time together. They even embraced the quirkiness of our camp name.

Camp Left Behind included:

  • a full day at a gym and pool, using my friend’s guest passes
  • an afternoon of trampolining
  • lunch out at the restaurant of their choice
  • 1-on-1 basketball competitions
  • movie nights at each other’s houses
  • memories captured in many photos

Since December212012 readers are a resourceful group, I’d love to share 5 more ideas we’ve used to lower the cost of expensive school trips.

1. Discuss Openly as a Family

We follow Crystal’s suggestion to not use “We can’t afford that” as a default response to our children.

Rather, we talk about , and we encourage our kids to be part of deciding how important the trip is to them.

A few times, our boys have decided to miss one trip in favor of doing a different one later in the year. This reinforces decision-making rather than focusing on a lack of resources.

2. Be Honest

Families in our school have homes ranging from one-bedroom apartments to luxurious dwellings. What is easily affordable for one family can be prohibitive to another.

The school needs feedback from families of all budgets.

One teacher appreciated my feedback that a $700 trip could be a financial strain for many.

Ask if a reduced rate might be available or inquire if group fundraising would be an option.

3. Be Prepared for Unexpected Blessings

One time, my son explained to his teacher that he would not be able to attend the planned class trip. His teacher called me later that week to offer my son a full scholarship for the trip!!!

She said she nominated him for his quiet, consistent leadership, and explained other teachers were thrilled for him to receive the allotted funds.

Not only could he attend the trip, but he learned that character can be noticed and valued.

4. Ask Your People

Do you have any grandparents who would be able to contribute? They might just be thrilled to help their grandkids have a unique experience like a trip.

Children can learn how to write a letter explaining the details of the trip, and politely ask for any contributions.

My mother-in-law told me they chuckled when our third son asked them if they would consider “investing in him”, then proceeded to talk only about the great food he would eat in Quebec.

They teased him that they expected interest back on their investment.

5. Be Creative

Since our family has committed to only pay cash for things, we often use out-of-the-box strategies to raise funds.

We sell items we no longer use at yard sales. Our boys have mowed lawns or done weeding for neighbors. One of our children sold his Lego sets online to fund his particular adventure. Another son buys vintage items at thrift stores and sells them at a significant profit.

Our children have been proud to pay for a percentage of their school trips; viewing this as an accomplishment, and a necessary part of being part of a larger family.

While it is difficult to say ‘no’ to our children, living within our means is an important life skill to weave into our family culture.

With a little brainstorming and flexibility, it IS possible to turn apparent roadblocks into life lessons sprinkled with adventures.

You simply can’t put a price on that!

Karen Gauvreau, would squeeze her four-baby-body into a cheerleader’s uniform for you to know someone is rooting for you as a Mom – cartwheeling for your victories and offering a pep talk when you feel pummelled. If you laugh in the process, even better! When she’s not saving money on school trips, she’s writing at .

Finding Contentment in the Pit of Debt

In the pit of debt and feeling overwhelmed? Read this for encouragement!

Guest post from Ariel of :

I sat at the table and cried.

Our 1100 square foot house was practically choking me. The kitchen cabinets were falling off. The dishwasher had been broken for nearly a year. Our wooden kitchen table was “lovingly” dinged, dented, and wobbly. The children had peeled paint off the wall like a banana peel. We held our breath every time we walked around the garage because we had no idea when it might decide to fall.

Our family of six isn’t getting smaller. We’ve got four kids all under the age of ten in a three bedroom house with one working bathroom. We also homeschool, so there are books everywhere (which, isn’t a huge problem!), and have two Golden Retrievers who shed more hair than they have.

We were in a pit of debt and trying so hard to climb out.

As I sat there sobbing, I felt I’d never see that glistening homeschool room, bookshelves to the ceiling, or perfectly groomed dogs. Everything felt so mountainous.

Our debt was a hindrance in our finances and our marriage. It caused fights, discussions, tears, and holding a magnifying glass over ourselves to find traits and habits we didn’t like. It also made this mountainous climb feel impossible.

The worst was the guilt of wanting money to afford nicer things. So I cried for my guilt and I cried for my foolishness.

Some people will say that being in debt is not forever, that we can get out and change our lives. I believe this is true. But I also am a realist and know that not everything I want will actually happen.

I may never have the homeschool room I desire or gleaming shelves of books. My kitchen may never be lined with fingerprint-free gray cabinetry worthy of HGTV and a dishwasher that cleans cooked-on eggs.

Sometimes it’s disheartening not to have things that make our lives easier or look magazine-worthy or offer us a pleasing aesthetic… but we cannot let that weigh on us. The truth is, even if I eliminate all my debt, that doesn’t mean I’ll have everything I want.

The good news is, both finances and attitudes ARE changeable based on our own perception.

I don’t want to stay at that table and cry. I want to get up and change my outlook and my situation.

I don’t have a working dishwasher, but I have four kids willing to pitch in washing dishes every day.

I don’t have sturdy bookshelves, but it gives me an opportunity to be creative in how to store them.

My dogs will provide many memories for our family, despite the clumps of golden hair I find lurking in every crevice.

What’s a life at the end when you’ve got everything you’ve wanted?

What matters is stewardship of our resources: our time, finances, and relationships.

My situation doesn’t have to define my perspective; I get to choose that. And in the pit of debt, when it’s overwhelming and heavy, perspective is a life-line!

Ariel is a Mid-Western wife to Greg, and stay-at-home mom to four kiddos. She is a freelance writer, homeschooling mom, and blogs about the challenges of motherhood at . She loves books, coffee, and avocados.

How to Practice Hospitality on a Budget

Show hospitality -- even when you're on a tight budget! These are GREAT tips!


Guest post by Amanda of :

If you live on a tight budget, practicing hospitality can be a strain on your finances. We might like to have friends over but worry about the cost that can be associated with inviting people into our homes.

If you’ve never lived on a tight budget, this may come as a surprise. But the truth of the matter is, if you’ve ever been in a tight financial situation, you know that every dime matters. You are more than likely aware of even the smallest expenses and the affect it can have on whether or not you can pay your bills each month.

It is something that can cause a lot of stress because you may want to open the doors of your home more often, but worry about how to pay for the extra expenses. However, sometimes we think we need more money than we actually do to make hospitality a priority.

There are ways to keep costs down when offering hospitality to friends and neighbors.

Here are some ways you can enjoy time with others in your home while making sure it doesn’t cause financial strain…

1. Make it a potluck.

If having friends over for a meal, ask them to bring something, such as a salad or dessert.

Whenever I am invited over somewhere for a meal I ask “what can I bring?” The same happens when I invite others into our home. It brings down the cost of dinner.

2. Make budget-friendly meals.

Some great ideas are hot dogs, tacos, pasta, chili, quiche, or homemade pizza.

3. Invite friends over for dessert and coffee.

Instead of having guests over for dinner, have them over for a mid-afternoon or evening dessert time.

Or host a bonfire where everyone can roast marshmallows and just hang out.

4. Skip the paper plates and cups.

Yes, I know paper products save time in the kitchen, but they are just another expense that you can avoid by washing dishes after the meal.

5. Serve flavored water.

Avoid high-sugar beverages and serve water with cucumber, lemon, or mint.

The flavor infusions will make you feel like you are at a spa, and everyone will feel refreshed, all while you save money on the cost of drinks.

When it comes to practicing hospitality, don’t try and keep up with the Joneses.

Don’t wait until your house is perfect and your bank account is overflowing to invite friends over. People want to visit you because of the conversations and laughter you will all have together, not because of the food you serve or the perfectly matched and expensive furniture you might own.

Years ago we lived in a small home and would regularly host potlucks. We didn’t want to leave anyone out, so we often had numbers upwards of 40 people in our small home. Kids were running everywhere. Chairs were set up in every room to allow space for sitting. People had to move out of the way to let others walk by in our narrow spaces. Everyone used mismatched plates I purchased at the thrift store.

Yet, as people would leave after an afternoon of chatting and laughing, they would often ask, “When is the next one? This was so much fun!”

People just like to be welcomed into your home and included. Don’t miss the opportunity to get to know others better because you feel you need to wait until there is more money in the bank to make everything perfect.

Why not invite someone over this weekend?

Amanda Ashley is a stay-at-home mom who spends her days homeschooling her 3 kids, caring for her chickens and ducks, and washing mountains of laundry. She blogs over at , about thrifty living.

7 Budget-Saving Cash Envelope Hacks

Whether you're new to cash envelopes or a cash envelope veteran, these 7 hacks are genius!

Guest post from Lauren of :

Whether you’re just learning how to budget or you’re a seasoned pro, incorporating cash envelopes into your budgeting system will undoubtedly save you money.

It’s often easier to overspend with a credit card, while cash helps us to be more conscientious about our purchases… but let’s face it, cards sure are convenient!

However, if you’re willing to give it a try, a cash envelope system will help you save money and stick to your budget every single time. Here are seven tips to help you make the switch.

1. Start with just three categories.

There’s no rule that says you have to commit to all cash, all the time.

Instead, try easing into a cash envelope system by picking three categories. My top recommendations are groceries, restaurants, and entertainment.

You’ll immediately notice how you feel differently about spending cash versus swiping a card and how easy it is to keep track of your budget.

2. Budget your cash categories in $20 increments.

It’s one thing to make a quick trip to the ATM, but it’s a dreaded chore to have to stand in line at the bank during business hours.

If you budget your cash categories in $20 increments, you can simply grab your cash at the ATM and fill your envelopes in no time.

3. Schedule your ATM runs.

As with any system, you have to follow it in order to be successful… so write down “ATM at 4:00 pm” on the calendar like you would a doctor’s appointment. It’s shockingly easy to forget about this little mini-errand until it feels like part of your normal routine.

4. Make a “no borrowing” rule.

If you leave your money at home, it can be tempting to bring out the debit card “just this once,” promising yourself that you’ll reimburse the account.

One purchase leads to another, and before you know it, everything is out of whack.

When you commit to the “no borrowing” rule, you ensure success with your budget.

5. Divide up the grocery envelope.

Using a grocery envelope is all well and good until you realize in the middle of cooking enchiladas that you’re out of cheese. When this happens to me, I call my husband and ask him to pick up said missing ingredient on his way home from work.

In keeping with the “no borrowing” rule, give your spouse a portion of the grocery money so either of you can make that quick trip when needed.

6. Don’t use envelopes.

There’s nothing magic about the actual envelope. Lots of people prefer not using envelopes simply because they don’t fit conveniently into their wallet. And that’s a valid consideration!

The good news is you have lots of great options, such as color-coded mini binder clips and store-bought file folders that you can cut out to custom-fit your wallet. If you want to invest a little money, you can even buy a wallet designed specifically to organize your cash by category.

7. Buy gift cards for online shopping.

In an increasingly online-oriented world, it’s almost impossible to avoid online shopping. I shop on Amazon for essentials like diapers and I’m so thankful for it!

But since you can’t use cash for online orders, here is a workaround: use cash to buy a gift card.

Almost every grocery store sells gift cards you can use online, so add it to your shopping list, pay for it with cash, and then enter the gift card code to the store’s online site.

This also provides a safeguard from online impulse shopping. If it’s worth buying, it’s worth taking the time to buy a gift card first.

Be patient with yourself as you get acclimated to a new way of spending money. New habits — especially good ones — take time to get used to, but you can be confident that incorporating cash into your budgeting system is worth it!

Hi, I’m Lauren! I share practical solutions to conquer financial stress at . I’m a wife and mom, a follower of Jesus, an aspiring morning person, and a trained financial coach. I’m excited to show you how to take solid financial principles and apply them to real life!