dry milk vs liquid again

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      Sally, I am a saver. I credit my good shopping skills to my mother, who did a great job with her family and teaching me!
      My biggest savings comes from groceries. I spend $700 or less per month.

      While that sounds like a lot to me, I have to remind myself that is feeding 12 at home, plus I often send a few bags of groceries per month to my daughter in college.

      I buy in bulk – big bulk. I don’t even have a Costco or a Sam’s Club card. I buy from discount grocers, the dented can store and restaurant supply stores.

      I save lots by cooking from scratch. I make my own pancake, muffin, cookie, biscuit, bread and cake mixes. I make my own laundry soap, dishwasher soap, candles, bath soap and I put additives in the cheapest shampoo to customize it.

      My children are always dressed nice, but I try to buy re-sale, quality clothing, or I buy at outlet stores.

      I save money by not using credit cards, thereby not paying the high interest. Instead, we combined all our debt into a second mortgage that is much lower interest rate, We pay more than the minimum each month. We also don’t have car payments.

      I really wish I could find a way to save on my electric bill. grrr.
      We spend far more than the average large family on vacations and theme parks. But I believe they will enjoy those memories for a lifetime.

      That’s kinda my general saving/spending plan. If you have any specific questions, feel free to ask!

      Pj Insane Mom to J, J, N, L, B, H, N, N, N, B, B, K, K, T, S, R ages 29y – 14mo (but only 10+ kids at home now)

      — On Mon, 7/7/08, Sally Vanwinkle wrote:

      From: Sally Vanwinkle
      Subject: Re: Budget101.com : the cost of homemade laundry detergent
      To: Budget101_@yahoogroups.com
      Date: Monday, July 7, 2008, 10:29 AM

      O.K. I just read your post,if you have that many kids then you must be a serious saver or your just crazy rich lol. How do you do it?

      Can you give me some pointers on what you do?



      Original Message —-

      From: Pj

      Insane Mom to J, J, N, L, B, H, N, N, N, B, B, K, K, T, S, R

      ages 29y – 14mo (but only 10+ kids at home now)

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