maple alps

Money

Clean Up Your Budget This Spring

MoneyAmanda Walter | Maple Alps4 Comments

Of course, the title of this post is about cleaning up your budget, so it is assuming you have already have one, but if you don't have one and want to use your money intentionally, you definitely need a budget (post on that coming)! It's never too late to make one and never the wrong time of year to clean it up a little bit. 

Spring Clean Your Budget | www.maplealps.com
 

Evaluate your spending and make a list of your expenses.

Ideally you've been tracking all of your spending already, so take a look at your numbers. Make a list of your necessary expenses - the nonnegotiable ones that you can't change such as rent/mortgage and other bills. Assess your spending.

 

Clean Out Your Un-Needed Expenses and reorganize:

Maybe you can cut back on your gas and electricity consumption, or perhaps you decide that your monthly manicure isn't completely necessary. Maybe your life situation has changed since you last created your budget and you can cut back in different ways. Here are a few other ideas:

Make Your Own Lunch: Leftovers work great for this - make a little extra the night before and put it in a container for the next day right away. Not into leftovers? Make a fresh salad or a sandwich - or something completely complicated, but fresh!

Skip the Daily Coffee Shop Visit: While your daily visits for coffee won't make you broke, you can save hundreds of dollars a year by making your own! Buy a reusable coffee mug that keeps your beverage of choice hot (or cold) for a long period of time. I make myself some herbal tea every morning before heading off to work, and my mug is a permanent fixture on my desk. If it’s not there, I have very concerned students who ask if I had a rough morning…

Quit a Subscription: Whether it’s Netflix, a gym membership, or a magazine, you may want to reevaluate the value of some of your subscriptions.

 

Make Goals

Now that you have cleaned up your expenses and hopefully have some left over, go ahead and start thinking about what your goals are! Maybe you can set aside that extra cash to save up for something you really want or need, or pay off a large chunk of debt you have.

 

 

Did you add your budget to your Spring Cleaning list? It's never too late!


 

Eating Cleaner on a Budget

MoneyAmanda Walter | Maple Alps13 Comments

One of the things I hear most from people when we talk about eating clean or healthy is, “but I can’t afford to eat healthily!”

I honestly used to think the same way, but now I know that everything is doable on a budget - you just have to prioritize and do a little research! Below are a few of my favourite ways to eat clean on a budget. 

Eating Cleaner on a Budget | www.maplealps.com

 

Use Your Freezer

There are so many great foods that freeze so well! When I stock up on our favourite staples, I always consider how well it keeps. Since there are only two of us, our freezer gets a lot of use. Some favourites to stock in there are spinach, kale, tofu, beans, nuts(!), and tomatoes.

 

Plan Ahead

Make a meal plan to most effectively use your groceries.

 

Eat less meat/Be a vegetarian

We choose to not eat any meat at all and it has cut down on our grocery bill. Yes, while there are meat substitutes out there that are wildly expensive, we choose to greatly limit these as well and opt for making it from scratch or only having it once in a blue moon (a.k.a. When there is a crazy sale). Most meat substitutes found in stores are highly processed and full of sodium anyway, and aren’t the best for you!

Eating Cleaner on a Budget | www.maplealps.com

 

Consider a Homemade Pantry

Pancake mixes, cake mixes, canned beans….all of these things and more you can do yourself! It’s actually simple, takes the same amount of time as it would to go to the store and buy them, and is much better for both your wallet and your body! One cookbook I use that helps me greatly is The Homemade Vegan Pantry. I love all of the ideas in it and adapt them for my own use.

 

Save Your Scraps 

Don’t waste those onion skins and celery and carrot ends! Collect them and store them in your freezer and make a simple vegetable broth (that can also be frozen, by the way!). That saves on having to buy veggie stock.

 

Reusable Water Bottles

If drinking more water is in your cleaner eating plan, skip buying the bottled water and the extra sugar and calories from bottled juices and invest in a good quality reusable water bottle. Pay next to nothing and stay hydrated - it’s a no-brainer and a win-win.

Eating Cleaner on a Budget | www.maplealps.com



Shop in Season and Locally

Start paying attention to what is in season for cheaper produce. Shopping locally will not only give you a great deal but also help your local farms and community! Your freezer comes in handy for this as well - so much produce, depending on what you want to do with it later - can be frozen until you're ready for it. That way, it doesn't go to waste.

 

Skip Organic Produce in Some Cases

If you've ever heard of the dirty dozen then you'll know that there are some foods that you can skip in the organic section, and some you probably shouldn't. Your decision!

 

Try Store Brands

So many grocery stores offer high-quality organic food for less [enter applause]! 

 

Don't Forget Apps!

Using apps to save me money has really paid off over the last few years - no pun intended! One of my favourite rebate apps for grocery shopping is Ibotta and I love it! By the way: Use my referral link to download Ibotta and get a $10 welcome bonus!

 

Eating clean doesn't have to make you go broke by any means! With a little extra effort, you can make your dollars stretch!

 
Eating clean on a budget is easier than you thought!
 

How do you eat clean on a budget?


 
 

What You Can Do with $7.99/month That Doesn't Involve Netflix

MoneyAmanda Walter | Maple Alps5 Comments

I wrote about some things to do instead of streaming television shows a while ago with the angle of time and our minds being precious. What I didn't talk about was the other thing streaming sites like the popular Netflix takes from us: our money. As Christians, we are called to be stewards of our money, resources and time, and in fact, none of those things truly belong to us. They were entrusted to us to use for God's work.

Here are some things you can do with $7.99 that doesn't involve Netflix (though I heard prices for that have been going up, so $7.99 might not even be enough for that!)!

 

Take a friend out on a cafe date

Get some tea and talk about the wonderful things God has been doing in your lives. 

Rent a bicycle and explore parts of the city you have not before

See your city through new eyes, and meet and talk to people you may not have ever thought to. Using your legs is free though! :) 

Go to the dollar store and put together a package to mail to a friend

Even the smallest of surprises in the mail can bring joy and encouragement to a friend.

Buy some stamps and send out some cards

Bless others by letting them know you are thinking about and praying for them!

Buy a meal for someone in need

And pray for and with that person.

Join a gym

I actually know someone who used Netflix money for a very basic gym membership instead! Turns out those exist!

Put it into your savings account

You'll have a pretty good amount by the end of the year to use for a good cause or pay off a chunk of debt.
 


What creative things would you do for $7.99 that doesn't involve streaming?


 
 

Creative Ideas for a Budget-Friendly Date Night

MoneyAmanda Walter | Maple Alps2 Comments

Frugal is a word we like to use in our home. It extends from using up everything in our pantry before a long trip all the way to using our socks until they have holes in them. We make sure to get the best deal on everything. We haven't starved yet, and our toes are still warm, so we count ourselves blessed.

Not wanting a penny to go to waste is a priority for us. Trying to pay off student loans and being good stewards are both important things in this house. It doesn't stop us from having fun though, so I thought we could discuss some ways to have fun without spending a lot of money.

 

Really creative ideas for a budget-friendly date night! | www.maplealps.com

Enjoy a Staycation // Stay in Your Own Hotel

If you have one, convert your guest room into a luxury hotel room by making the bed fancy and using all the best sheets that only your visitors get to use. Add some candles and snacks and a mini "bar," and you will feel like you're on a fun getaway, without even leaving your house!

 

Cook Together // Cook Off

In an attempt to lower grocery costs or avoid eating out, make a fun dinner with things you already have - try an iron chef challenge, and use one ingredient in several creative ways. Or, just choose to work together to make whatever happens to be on the meal plan for that night. It will be fun either way.

 

Movie Night // Blanket Palace

Pick a movie you already have or rent from iTunes - which is much cheaper than going out to the theatre. Unlike the theatre, however, you will get to wear your sweatpants and bring your own water. Win! Make up some snacks or set up a blanket fort. The possibilities and creativity are endless!

 

Board Games // Trivia Night

How fun to pull out some of those dusty board games and challenge each other to win! You could spice up the night by adding house rules or adding stakes like extra chores for the loser - or just play as it's supposed to. Whatever you like. For a fun twist, make your own game!

 

Find a Hot tub to Soak in

Fantastic for you if you have a hot tub of your own. The YMCA or your public pool might have inexpensive options if you don't. In the worst case, you could also ask a friend! 

 

Go to a State Park

State parks are wonderful places! We buy an annual pass for our license plate registration that costs us a mere $11/year and it is so worth it! See what kinds of things your State offers. Getting out in nature and seeing some beautiful parks is something that is good for the soul. Try visiting different parks each time!

 

Use Groupon

We have had some crazy fun date nights by using Groupon. It's fun to find some local things that you would have never even thought about doing! One highlight was definitely going rollerskating at a roller rink one night - what a blast - and really inexpensive!

 


How are some of the ways you have fun on date nights on a budget?I would love to hear your ideas!


 

 

How Living Intentionally Can Help You Save Money

MoneyAmanda Walter | Maple Alps4 Comments

Last week, my husband and I went shopping. When I say shopping, I mean that we went to our favourite stores and browsed, and when I say browsed, I mean just that. After two hours, we walked back into our house with not one bag in tow and the same amount of money in our account that we had when we left. I was not terribly shocked, but I am certain that just a few years ago, that would not have been as easy to accomplish.

Living mindfully has naturally resulted in thinking about where our money goes. It is amazing how just thinking about it changes buying habits that sometimes leads to spending what one does not have. Instead of collecting things in our home, we have been discarding. Instead of noticing our money disappear, we have been saving, and instead of always thinking about spending money, we think about giving.

I decided to share today just a few of the reasons we believe being intentional and mindful has helped us save money.

How Living Intentionally Can Help You Save Money | www.maplealps.com

 

Have Only What You Need

I lived in the same house my entire life. When I decided to live abroad, I packed two suitcases and that is what I lived with the entire time. I came back to a full closet and drawers and realized that over half of the things I owned and had collected over time, I didn’t even need. I had just survived three years with what could fit into two suitcases. This opened my eyes greatly. I now need more than what can just fit in two suitcases (having a kitchen will do that), but I still have everything I need and love while avoiding excess.

 

Being Content With What You Have

I never realized the release I needed from material things. Because I had collected so much over the years and kept everything organized, I was not aware of each item I had. This was far from mindful. As I cleaned out closets and drawers and boxes, I finally saw the amount of useless possessions that was drowning me.

How Living Intentionally Can Help You Save Money | www.maplealps.com

 

Find Pleasure in the Simple Things

Because spending money is not on my radar, I get to enjoy more simple pleasure and realize the value of the things that cannot be bought. Once in a while I still love browsing through the mall to see the sights, but urges to purchase anything unless I need them hardly occur. If it does happen where I see something I like, it automatically comes to mind that I don’t need it and I leave the store quite content without whatever it was.

 

Free From Consumerism

I don’t feel the need to have the newest and best things anymore. Everything in my home has a place and a purpose, and I have no intentions to let that slide. I have experienced such a release and rest after getting rid of “stuff,” and I don’t want that frustration anymore. My spiritual life has been strengthened and I am able to think freely without inhibition. Thinking about giving generously to those in need or causes I believe in has become more natural (and more doable!).

 

Have you found that saving money is just one awesome perk of living intentionally?
Tell us about your journey to intentional living!