A Penny Saved

For a couple a years now Trey and I have wanted to do a "savings plan" that go around every year. Where you increase the amount you saved every, week, month or whatever. But each year we look at them and they just don't fit our budget. By the middle of the year at the latest we are cutting directly into gas and food money, having already lost our limited fun budget to the savings plan. This year we found one that will still require self control but we can do on our budget. It's the "Penny Saver Challenge"

You've probably seen it. For the day of the year, based on the Julian Calendar, you put in that many pennies. The logic is as follows; January 1st = 1 Penny, January 14th = 14 Pennies, May 7th= 128 Pennies, October 14= 248 Pennies. By the end of a leap year you have $671.19. For a non leap year it's $667.95. Now this idea sounds all well and good until you think about keeping that many pennies around. Not to mention remembering to count out that many pennies each day, ugh. For me I knew that was just setting myself up for failure. I really want to save up some money so I needed a new plan.

I made myself a chart. A chart that said each week what I needed to put in the jar with a little box for a check mark to track my progress. I found a large jar at Dollar Tree and taped my chart to it. I now have a savings jar. I'm thinking of doing it backwards so my highest amounts go in first. Don't we all seem to have more money at the beginning of the year? Or if I get a bonus pay a larger amount. Leaving the smaller ones for weeks with less money. I'm being pretty fluid now that I know what needs to be paid. I figure as long as I have a check mark for each week by the end of the year then I'm good.

You may wonder what am I using this money for? We are being practical. It's going to be our cash reserve fund. It won't go in the bank it will be cash we keep for emergency needs or emergent times. For instance when the power is out in most of the city and stores only accept cash. Or you are going to the fair and you don't have time to go to the bank and don't want to pay the ATM fee. We've never really had a cash reserve and it's time we got our act together. You can use it for whatever you want but that's our plan.

Here are the two charts I made.
Option 1- Download JPEG or PDF

Option 2- Download JPEG or PDF

They are pretty big they are 6.5in by 7.5in. You can try to shrink it but it gets harder to read. I like the larger size. If you are putting in on a bottle just make sure you get a bigger one.

If you are just moving the money from checking to savings in a bank account you may want to print the chart put it on the wall and mark it as you go.

Fake It Project- Sharpie Tie-Dye

This visit up north Squeaker was already on a strong antibiotic so I decided it was a great time see all the cousins. I know it sounds a little backwards but it does work for us. It turned out that only Lizzie, Brad and their kids were available. But with 5 kids 7 and under and all with special needs well it's not like we could just go to the park, or zoo, or whatever. It takes just a little more planning. We need some focus or a project to help in keeping the kids focused on positive things. That's how we keep the kids from getting into fights.

The plan was made to go out to Lizzie and Brad's house. With all the therapy stuff, play stuff, and a pool there was a lot to help keep the kids happy. And then I thought, what about a "Fake It" Project to help keep the kids focused. Something fun and enjoyable but super easy to put together.

Every so often I do what I call a "Fake It" Project. It's not a perfectly finished edges, the lines may not be straight, or it may just be unfinished. It may not be the best but it does the job. And then some day I may take the time to make it nice, pretty, and perfect. So it's Fake It until I Make it! :)

I found some light/heat blocking fabric at Joanns. Cut it up and hemmed it so it would hang on a curtain rod. But that wasn't very pretty, curtains in kids rooms should be fun. So I thought lets but something fun in front of the Light Blocking Fabric. Why not Sharpie Tie-Dye Curtains!!!


Materials Needed:
Cut, Washed, and Hemmed for Hanging Fabric
    ---We used White Muslin. I Zig-Zag stiched the edges to cut down on the raveling 
Sharpie Permeate Markers
    ---Sharpie brand work best. You can try fine and chisel tips. Extra fine point won't work.
91% Rubbing Alcohol
    ---We bought 3 32oz bottles and used 2 on about 8 yards if fabric
Spray Bottles
Cheap Shower Curtains
    ---Dollar Store ones work great
Masking Tape


Prep-
Clean off your table or work area. Outside works great since alcohol can be stinky. Lay down the shower curtains and tape them down. Then put your fabric down and tape down if you need too. Put the alcohol in the spray bottles.

Work-
Get out those sharpies out and start coloring! Big shapes and thick lines work best. And lots and lots of colors!!!
Once you are done coloring get ready to spray. You can spray in the same spot you colored or you can move it out to another table or grass. Just make sure it's a place you don't mind getting ink on, or cover it. We did it in the grass.
Now spray, spray, spray. You want to saturate the fabric with the alcohol. That will give the best run of the colors.
Then just leave it to dry.

To make sure the color is good and set toss it in the dryer for a few minutes. When you need to wash your project just wash on cold and dry.

It was a great project. All the kids (ranging from 7-2) enjoyed doing. The kids were super excited to have their own art work on the windows.

This style of Tie-Dye will work on pretty much any cotton fabric. Lizzie is planning on doing some t-shirts, and bags for the family. Last Christmas I did this treatment on homemade super hero capes, those were a hit too.