Book Review: The Money Saving Mom's Budget

Book Review: The Money Saving Mom's Budget (Slash your spending, Pay down your debt, Streamline your life, and Save Thousands a year) by Crystal Paine

  

Overview:

Crystal's book is an excellent book on living within your financial means, creating and living on a budget. It contains helpful resources. I appreciate Crystal's approach-slow and easy! She emphasizes to not try and do a complete overhaul overnight. She has an extremely thorough chapter on coupons. If you ever wanted help in using coupons, this is the book for you. At the end of the book, she also has an appendix on "10 tips for a successful garage sale" and "10 ways to earn an extra $100 per month."  There is also a list of websites and specific book recommendations on various topics.

A Few Quotes:

"If you want to get your finances in order, you must learn to say no. Not only do you need to learn to say no to overspending and no to buying things you can't afford, but first and foremost you must learn to say no to over-booking your life. You'll never be able to take control of your bank account or make significant traction toward your financial goals if you spend the bulk of your time running around like a chicken with its head cut off."

"When your children have a birthday and get new toys, have them choose the same number of old toys to get rid of. Without much effort, this rule keeps clutter from prolific breeding in the closets behind your back."

"A budget gives purpose to your money and it frees you up to enjoy living life rather than spending most of your time worrying about how you're going to afford to live."

"On occasion, challenge yourself to see how long you can go without going to the grocery store. When we do this, I often find we have a lot more food on hand than I realized."

My Thoughts:

Crystal's book is so valuable. It helped me to see that money itself is not the only thing that needs to be budgeted. Time and priorities show first and foremost where your money goes. Every hear the saying "show me your checkbook, and I'll show you where your heart is?" It's true. So, unexpectedly, I really got the most out of Crystal's chapter on setting personal goals, knowing what I'm good at, what I want to see happen in my life in the next 5-10 years and the end of my life. I did this and it really opened my eyes. I saw what is REALLY important to me. What goes across the board in all the areas I wrote down is where I found my priorities and where I'll deposit my time and money. For example, rather than buying a new outfit, I learned that if I really love to write, I'd rather put money towards a writer's workshop, some sort of class, or babysitter so that I can write. I like to look nice, but what's my goal? Crystal's book really helped me to think about my goals long term and how my finances affect them.

I loved her chapter towards the end of the book on contentment. It is so important to make a gratitude list and remember what I've been given by God-the list is endless. If I can keep a grateful perspective, it will help me remember that eternal things are much more precious than earthly, material things. God is so good!

 *You can check out Crystal's blog here.

       

Book Review: "Don't Make Me Count to Three!"

Discipline Directions For a Mother 

 Five summers ago my family was on a vacation together with my husband's immediate family. One afternoon I saw my mother-in-law reading, “Don’t Make Me Count to Three!” by Ginger Plowman. She didn’t have any "young" children at the time, the youngest was eleven years old. Yet, she still read a parenting book. It inspired me because she wanted to be the best possible mother. Needless to say, I was taken with the book. I happily received it as a birthday gift from her a month later.

Best For: Mothers to be reminded of their high calling to train their child(ren) in God’s ways; mothers who need practical steps to administer righteous discipline; mothers who have questions about discipline and getting their child(ren) to think like a Christian

Overview:  Ginger encourages parents to train their child in righteousness by “work[ing] through what a biblical response should have been [in a situation]. Second, have the child follow through with it.” In the book, Ginger answers various questions parents may have: 

What is discipline?

What is the responsibility of the parent?

What are the guidelines for verbally correcting my child?

What are the world’s strategies to get our child to obey?

How should my child obey?

 Few Quotes:

“It is not difficult to train our children to act like Christians. We have really accomplished something when we have trained them to think like Christians. Thinking like a Christian will help them grow in wisdom and prepare them to govern their own behavior in a way that will glorify God.”

“But don’t make the mistake that so many parents make and allow your desire for changed behavior to replace your desire for a changed heart. If you can reach the heart, the behavior will take care of itself. Keep in mind that it is possible to cause your child to change his irritating behavior to that which is acceptable without an actual heart change taking place.”

 “Most importantly, we are training them and preparing them to obey Jesus. Parents are often responsible for the habits of their children. We want them to be in the habit of obeying us the first time so that when they surrender to the Lordship of Jesus Christ they will find it easier to obey Him the first time. So before you begin your count to three, ask yourself, ‘Do I want my child to be in the habit of obeying God the first time, the second time, or the third time?'"

“A secure child is a child that knows his boundaries and is consistently corrected when he oversteps them.”

My Application:
In the book, Ginger shared how when kids are manipulative they are "acting foolishly".  I appreciated that because it's true. It struck a chord with me because that's how the Bible describes sin in our children. Proverbs 22:15 says, "Foolishness is bound up in the heart of a child; the rod of correction will drive it far from him." Our pastor, my father-in-law, taught us to use this word when our kids are foolish (disobey or sin). We tell them what they did was "foolish". We never tell our kids they are bad because they aren't. They are not bad kids. But, yes,  sometimes they are foolish. My husband and I do not want to speak it over them that they are bad, dumb, stupid, etc. In addition, we know our words hold life, and we speak life and truth over them.

 Also, I realized that most of my frustration as a parent happens when I have to repeat my instructions to my kids over and over again. But now, I look for opportunities to where I have stated an instruction, and I quickly respond if it is not obeyed the first time. I realized the hard truth that I am creating a pattern in my children and also in myself. In a way, I realized I have created my own frustration by not expecting them to obey the first time.


My Thoughts:

First, I love the way this book was written and the message communicated. As I read, it felt as if I was sitting down for a cup of coffee with another mother simply sharing about her personal experiences and how to reach the hearts of our children.

I love the chapter dedicated to “Managing the Manipulator”. It was very good and convicting. I was encouraged to not respond to manipulating statements, attitudes, or questions, but as Ginger says, “to answer him as his folly deserves”. I can't give a foolish response to foolish behavior. I must respond in a way that directs them to the Bible and God.

In addition, this book reminded me a lot of Lou Priolo’s book Teach Them Diligently that I wrote about here.

Ginger was so encouraging in the book to remind mothers of the high calling of motherhood from the Lord. I love when Ginger shared that "being a  mom is more than being cook, chauffeur, maid, counselor, doctor, referee, disciplinarian, etc. (just to name a few). It’s about molding character, building confidence, nurturing, training, and guiding. There is nothing like the influence that a mother has on her child. A mother’s influence has enormous potential to shape the person a child becomes, for good or ill.”

There were so many excellent points that Ginger made in regards to parenting.  She answered all of those questions listed above so well. It's a wonderful and very helpful resource for every parent. For my kids, fixing the outward behavior won't cut it, I have to  get a hold of their hearts.  If I don't, who will?

Remembering Our Home

"What I Want My Child To Remember About Home

• That their father and mother loved each other.
• That our home was a happy one because we all worked to keep it so.
• That each child was given every possible opportunity to develop his own personality.
• That the books in the house were to be read if handled rightly, and there were no shelves under lock and key because of questionable contents.
• That absolute truth abided there; no earnest questioner, however young, was put off with subterfuge or evasion.
• That we believed in hospitality, in spite of any extra labor involved, and that our friends loved to come to visit us.
• That Sunday was the happiest day of the week, and that we all looked forward to its coming because it was the day when we went to church together and then came home for an afternoon with Father in the midst.

• That though Father and Mother worked hard and long at their respective jobs, they found time every day to keep informed on current events, to read good books, to think through to logical conclusions, and to pray."

~Unknown