Kenmore 20.5 cubic foot refrigerator

Cool Deal and Spicy Left-Overs

A Read Cool Deal: We just bought a new (used) refrigerator last week - a 4 year old Kenmore 20.5 cu ft for $275 off of CraigsList. What a deal for us and for the mom who wanted it out of her garage. Our old 17 cu ft was about 20 years old and failing - the door seal magnets stopped working and it wasn't worth repairing (see the black tape to keep the doors closed?). Steve has repaired this fridge several times, but it's time had come. 

Remember that whenever you have a need: There's always someone who desperately wants to get rid of the very thing you want. Find that person . . . Find a deal!

Building with Left-Overs: One of the projects Steve just finished was building a 7' long spice rack shelf for our kitchen cabinets. Steve was able to use left-over solid oak and oak plywood from previous projects. Total cost was $8 for the polyurethane finish.



Close Up:

We just love getting deals buying someone else's unwanted items and making beautiful things out of "left-overs."


Cut your grocery bill

What’s Reasonable for Food?

Love your book “Cut Your Grocery Bill in Half” and love both of the audio seminars (groceries and budgeting) I bought from you too! They really motivate me. I am pretty good at managing a frugal food budget and we also have a nice garden that produces enough food that we can preserve some.

Here’s my question: what is a reasonable budget for groceries and for restaurant meals for me and my husband each month (we’re in our 50’s)? We lump all food (eating out or at home) together and also any household supplies.

Thanks for the great job you do for all of us!!!!


It’s so hard for us to give you a specific number for what you should be spending. It’s all a factor of: Your earnings, current fixed expenses (house payment, insurance, car payments if any, medical expenses etc) and your dietary needs.

For groceries, the average we’ve seen for “non-frugal” families is about $200 per person per month—for you and your husband $400 per month. By contrast we spend about $70 per person per month

We would definitely have separate budget categories for groceries and eating out.

For groceries start with what you are currently spending and evaluate if you think you could spend less by being more disciplined or shopping smarter. Then use the savings to fund debt reduction, retirement, vacation or a special event.

As far as eating out, again that’s going to be determined by your other expenses. If you’re trying to reduce debt or pay off a house, then you might want to spend less on eating out. If you’re debt free and have built your savings and retirement plans, then you may feel free to spend more. Regardless of what your financial situation is, we’ve always tried to limit eating out to special occasions or date nights rather than making it a weekly default just because we don’t want to cook. We do this for two reasons: 1) It’s so expensive and; 2) it’s hard to eat a healthy diet when you eat out often.

We’re not talking about feeling deprived; we’re encouraging you to live on purpose—making choices that benefit you physically, emotionally and financially.

Fire prevention Week

Fire Prevention Week

October 5 - 11, 2014 is National Fire Prevention week. Keeping your family safe and your home protected is important, but it doesn’t have to be expensive. We have installed battery operated smoke detectors in several rooms in our home. Whenever we dust the house, Steve reaches up and tests the smoke detectors. We usually have to replace the 9 volt battery about once each year. That’s a small cost for peace of mind.

We’ve seen two and three packs of smoke detectors being sold at discount stores and warehouse clubs, they’re really inexpensive.

Fire extinguishers are another important tool for protecting your family. We keep one under the kitchen sink and one in our garage workshop. Additionally we have small ones in each of the cars.

Take time this week to do an assessment of your fire saftey equipment and plans. You might consider a visit to a fire house too - our firemen and women are wonderful protectors of our communities and our property!


We had to use a fire extinguisher back in 1994 when our 1986 Ford van had an engine fire in the parking lot of a McDonalds in Blythe, California (we actually stopped in there last week on our way back from California - it's remodeled, but still brought back powerful memories). We were on our way back from a Disneyland trip in December. Steve was in the restroom with two of our youngest sons when Annette burst in the door (yes, she came into the Mens' room) yelling, “Steve the van is on fire.” Steve bolted out of the door and ran to the van.

He opened the driver’s side door and pulled out the trusty fire extinguisher. He pulled the lever to release the hood and ran to the front of the van.
The hood wouldn’t open.

He ran back to the driver’s side door and pulled the lever again.

The hood STILL wouldn’t open!

So he sprayed the fire extinguisher through the front grill and was able to put out the fire.

Ford Van Fire
No, this isn't the actual picture of our van fire, but it is similar. Fortunately for us, Steve put the fire out before any exterior damage was done to the van.

Once he had calmed down and the fire department arrived, he pulled out his flashlight to help him figure out why the lever wouldn’t release the hood.

He stared in disbelief.

The lever he had been pulling on was . . .THE BRAKE RELEASE, not the hood release! The car was saved by our trusty fire extinguisher and Steve was embarrassed by his lever mix-up. The van did require about $5000 worth of repairs (covered by insurance) replacing spark plug wires, belts, hoses and other wiring.

It’s a great idea to keep fire extinguishers in all of your cars, but it’s an even better idea to know how to operate the hood release!

Watch this video if you aren’t sure you know how to open your hood . . . don’t be embarrassed like we were!

Budget Dilemma - Extra Pay Check

Budget Dilemma

Question: I am trying to fill out the Income/Outgo and Stewardship forms from your America’s Cheapest Family Budget System. My question centers on the "Monthly Allocation" and "Pay Check Allocation" amounts. We are a single income family and my husband now gets paid weekly instead of monthly. Since some months have more than 4 pay periods what is the best way to figure the amounts for the budget forms. It's confusing to me.  Do we divide the categories by 12 months or 52 weeks?

Answer: Using the Income/Outgo Sheet is the starting point of establishing a budget that works for you. The idea is to get close to the right amount for each category on a monthly basis and to set up the right number of categories for your household’s spending.

The “nitty-gritty” detail of the number of paychecks and the specific allocations come into play when you actually set up your budget accounts and start distributing paychecks.
When we were paid weekly, we still did our budget every other week. And we divided our budget category amounts by 26 instead of 24 (which would have meant we were paid twice a month).

Is this making sense?

Here’s an example:

Budget Category: Vacation

Monthly Budgeted Amount: $200

Annual Budgeted amount $2400

If we were paid on the 1st and the 15th of the month we would allocate $100 per pay period to be saved in the Vacation account.

But if we were paid every week and did our budget every other week we would allocate $93 each period. ($2400 divided by 26 budget periods).

If you do this same calculation (Annual Amount /(divided by) 26 weeks) for every budget category you will find that you have a good amount of excess to manage. If you don’t do this, but keep your budgeted amounts divided by 24 (vacation at $100) and you do your budget twice a month, you’ll discover that you have extra paychecks two times a year. That can be a good thing, but it can also waste money because the extra might be looked at as “bonus” money and spent carelessly rather than managed to reach goals.

We know this is kind of technical, but as we worked through this issue we were able to make our money last longer and do more for us and we eliminated the “extra paycheck” dilemma. 

Image courtesy of Stuart Miles/

Magnetic Money - use a budget

Are You Attracting Wealth?

"Wealth is attracted toward those who actively manage it."

America's Cheapest Family Budget System is a tool to help you get Right on the Money and Give you Hope!

If you want to reach your financial goals and live debt free, this is the tool for you! Steve & Annette use this exact system and so have their older children.

By spending about 2 hours every two weeks you'll know EXACTLY how much money you have:

  • to spend, 
  • to save 
  • to play with!

And, you’ll reach your short and long term financial goals because you’ll be setting aside a pre-determined amount of money each paycheck for all the things you want to accomplish! 

Using this system, Steve & Annette paid off their first home in only 9 years, paid cash for several cars, took fabulous vacations, remodeled two kitchens and sent their kids to college without loans. This budget system doesn’t require any special financial skills or degrees, just a willing heart to learn and a few hours each month.

We've taken great care to include all the information and tools that you'll need to succeed at creating an effective household budget. The kit is priced at $45. You'll easily recover the costs of the system many times over in the first few months of using it. We have calculated that our faithful use of this system has easily saved us more than $300,000 since 1982.

Other readers and website visitors who have used this system have told us that they have experienced great savings too.

This Kit Includes everything you need to get started on a realistic household budget:

  • Purpose of a Budget   America's Cheapest Family Budget System
  • 5 Tips to Budget Success  
  • How to Do Your Budget   
  • Spending Guidelines 
  • Debt Liquidation Worksheet*
  • Gift Budget Worksheet*
  • Income/Outgo Worksheet*
  • 20 Stewardship Sheets (2 sided)*
  • 1 set of 5 double pocket dividers
  • Forms CD (.pdf and excel) so you can reprint additional sheets or refine your budget amounts

* Also provided as a .pdf download when your purchase is complete. 

What Budgeters are Saying:

I can honestly say I feel motivated and confident in taking control of our finances after reading the book. This will be our first full month in using the new budget and money tracker sheets. When I was setting up the budget and figuring how much we spent on groceries and fuel each month I was in shock! My husband couldn't believe it either.

I am confident that with your plan and your book guidance that we can do this. I feel like we have more control and know where our money goes each month. It's so much easier for me to see where I'm spending too much and with the Stewardship sheets I can see how much I have left each week to spend in that category, instead of spending more and not having enough when it comes time to pay the bills. I'm praying for guidance and self-obedience to put this plan into action every day. I find myself being more aware of what I'm spending, just by writing everything down on these sheets instead of just plugging it into the checkbook.

So, thank you Steve and Annette. I have shared this "new" concept with my brother who is younger and in much need of financial guidance.
Kelly, from Missouri

I wanted to say thank you to you both as you have quite literally changed my life. I know that seems to be an awfully big statement but here’s why. I am completely Debt Free as of yesterday (apart from the mortgage which will now be overpaid till its gone). I have paid off nearly £30,000 in debt in the last few years. I am a single mum of two, working full time and didn’t have any knowledge of budgeting or saving until I found your book and had a “light bulb” moment.

I feel so light and free, my money is for my girls and me, not some faceless company. Each month my girls sit with me and we do the budget. This is such a godsend as they can see where the money goes and just because I earn X amount it does not mean i can afford whatever they want that month.

Joyce from London, England

buy it now


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