Birthdays on the Cheap

Birthdays are expensive. Shoot, I’ve said that before. It’s usually true, but it doesn’t have to be. Here are five ways to cut birthday party costs. Note: If you’re trying to cut costs on an adult party, just replace the word “kid” with “guest of honor”.

1. Location, location, location. The amusement park/pizza place is nice if you like bad pizza, but it’s certainly not cheap. The inflatable playground may be the talk of the school for a day or two, but it’ll flex your debit card in ways it’s just not used to. Why? Kids, being kids, are capable of entertaining themselves. They’ve got imaginations that should make most adults weep with envy. If that fails, make them play a board game or in the worst case, some video games. Lock the wild young’ns in the basement and let ‘em go nuts for a couple of hours. It’ll be a blast, I promise.

2. Why invite the world? How many friends does your kid actually have? I’m not talking about all of the kids in school he’s not fighting with or every kid on the block that hasn’t TP’d your house. I mean actual friendship. If they don’t play together regularly, nobody will be offended about missing an invitation. Invite the entire class? That’s just nuts. Thirty ankle-biters smearing cupcakes on the wall? No thank you. You kid will have more fun with 2-3 close friends than 20-30 acquaintances.

3. Toy flood. What was the last toy your kid played with? The last 10? How many toys have been completely neglected for months or years? How many stuffed animals are buried so deep in the pile in the corner that they are wishing for a fluffy Grim Reaper to come put them out of their misery? Don’t buy your kid clutter. It’s a hassle to clean up-and you will-and it trains them into bad habits for a lifetime. One or two things that they will treasure(or, better yet, wear!) will work our much better for everyone than a dozen things to forget in a toy box. Too many toys guarantees that the kid won’t get attached to any of them. Down with kid-clutter!

4. Designer Cake. Who needs a fancy cake? Correct me if I’m wrong, but aren’t you going to start a fire on the thing, then cut it up and give it to a dozen little runts to rub in their hair? If you can’t bake it yourself, a quarter sheet is cheap at the big box grocery stores and will guarantee leftovers. Nothing starts the week better than chocolate marble cake for breakfast on Monday.

5. Food. Don’t. That was easy. Scheduling is an important way to keep costs down. Don’t have the party at lunch time. For small children, 1:30 PM is about perfect. The parents won’t stick around once the kids are ready for a nap. For older kids, 4PM means they will need to be home for dinner. That cuts the menu down to kool-aid, light snack food, and cake. It also ensures that the party won’t drag on forever.

It’s possible to have a budget birthday party without being totally lame. Give it a shot. Your kids won’t mind.

This post is a blast from the past.

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Invisible Cushion

Debtor's Prison Historic Marker

Image by jimmywayne via Flickr

Earlier this year, we experimented with abandoning the strict budget in favor of automating as much as possible on our credit card, and keeping our discretionary spending under control, but on the same card.

We failed. It was 2 parts lack of communication, 3 parts lack of discipline, and 1 part “we’re dumb”. Transitioning back to cash hasn’t been that smooth. The problem is that we went over budget for a couple of months and our renewed budget had to shrink to cover the credit card.

To recap: Coming off a few months going over budget, we had to tighten our belts even more than we had before…after breaking our good habits.

It didn’t work out well.

If one of us forgot to grab cash, we’d just charge whatever we were buying, which gave the month’s budget a spanking, every time.

Last month, I added a new category to our budget. It’s just a cushion. I’ve got $200 whose sole purpose is to make sure we don’t go over budget.

But there’s a secret.

The cushion is a secret.

I’m not a fan of hiding money from my wife, but I’m hiding this. Generally, I think that money and relationships and secrets don’t mix.

However…

She’s told me that, when she knows there’s extra money, she has an urge to spend it. If I told her there was an extra $200, she would spend it. If I tell her that we have $40o to cover our discretionary spending, and she goes over by $50, we’re still $150 to the good, which leaves me room to have lapses in discipline or memory, too.

Then, at the end of the month, any of the invisible cushion that is left over can get applied to our debt payments.

This system should let us keep rolling, with less stress and fewer arguments, while still helping us get rid of our remaining debts. The biggest flaw is the secret. I’m bad at keeping secrets from my wife, especially about things that affect both of us, but if i let it slip, the invisible cushion will go away.

What do you think? Am I a jerk for hiding part of our budget? Do you hide anything about your finances?

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What do you do?

Image by alice_ling via Flickr

You’re not your job. You’re not how much money you have in the bank. You’re not the car you drive. You’re not the contents of your wallet. You’re not your ******* khakis. -Tyler Durden

“What do you do?”

They typical answer is usually something like “I’m a computer programmer.” Or a DJ, a cop, a barista, a stripper, or whatever.

The answer is always given in the context of work. Is work the center of your life? Is your career the most important thing you have? For many, it is. Our jobs become a fully integrated piece of our identities. Even when we pay lip-service to putting our families first, all too often, we spend more of our waking hours working than actually living.

We spend 40, 50, 60 hours each week at our jobs. It’s natural for that to become a part of us.

We go too far.

I am not my job. I am not my career.

I am a father, a husband, a writer, a blogger, and more. I have hopes, dreams, and ambitions entirely apart from my career.

I hope you do, too.

The next time someone asks you what you do, try responding with your passion.

“I’m a parent.”

“I grow freaking awesome roses.”

“I travel whenever I can.”

“I obsess over politics.”

Leave the tradition work-centric script behind. You’re going to confuse the people who are expecting it. They think they are asking about your job and you are responding with something that truly matters to you.

What do you do?

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Saturday Roundup

Woody Woodpecker and his niece and nephew, Spl...
Image via Wikipedia

This weekend, my wife is spending three days scrapbooking, which makes it a great time to visit my parents and let my niece and nephew entertain my girls for me.

Best Posts

Following your passion doesn’t always pay the bills. Sometimes, there is a tangent that can cover the mortgage while still allowing you to do what you love.

Not everyone enjoys it, but cooking isn’t hard. It’s not even a talent, but a skill that can be learned. Winging it, or creating your own dishes is a talent.

Did you know the spork’s predecessor was invented thousands of years ago?

Here’s a site to help you avoid conflicts with local customs when you travel.

Potluck game night. I think we need to make this happen at our house.

Carnivals I’ve Rocked

6 Ways to Stretch a Meal was an Editor’s Pick in this week’s Festival of Frugality. GenX Finance rocks.

Cheap Drugs - How I Saved $25 in 3 Minutes was included in the Carnival of Personal Finance.

Questions From a Reader was in the Carnival of Money Stories.

Thank you!

If I’ve missed anyone, please let me know.

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