Homemade Laundry Detergent

Yes it has come to that, I am making our laundry detergent. After mocking others, hippies mostly, I started making detergent myself. We spend a fair amount each year on detergent and we don’t even use the pricier brands like Tide.

Further down below is a recipe and a link to the site I got it from. This is a concentrated version; she also has a version that requires less of each ingredient. I used a 96 ounce jug to make this and each load of laundry uses 2 ounces of the liquid (HE machine, use more if you have a top-loader). So I am getting 48 loads per jug. Each jug costs me less than $2 to make. Around 5 cents per load. I haven’t bothered to figure out the exact amount. But it’s a lot cheaper than store-bought and only takes a few minutes to make. Oh and the stuff works. On the website is a non-concentrated version that is even cheaper to make.

How to make it:

Put the following into a jug, I used an old 96 ounce detergent jug. You could probably use up to a gallon jug.

1/2 cup of Borax

1/2 cup of Arm and Hammer Super Washing Soda

1/2 cup of Dawn Dishwashing Liquid – the blue grease fighting kind

Then add 4 cups of boiling water and shake the jug (stay focused people) to dissolve. Top off the jug with water. Shake the jug between uses to make sure it stays well mixed. That’s it, simple.

Use ¼ cup for HE machine

Use ½ cup for top-loader

Stole this recipe from Here

You can get the Borax and Washing Soda at Amazon. I am told Wal-Mart has them for even less money, but I don’t do Wal-Mart.

You might not think this saves a lot. But we do 30-35 loads of laundry per week. And even the cheapest detergent on sale ( ALL, Arm and Hammer etc…) costs 3 times as much as this home brew.

Homemade detergent per year – $91

Cheap detergent (Cheer, All, Store brand) – $273

Tide and other high dollar stuff –  $310-$480

The non-concentrated version would be about $40 per year.

There are lots of detergent recipes out there, liquid and powder. If you’ve tried any that you like let me know about them.

Family Budgeting 101 – Part 2

It is tough enough juggling (akin to cat-juggling) and paying for a large family without the added stress of having a financial mess that rivals the current mess that is The Kardashian’s. When dealing with the extra challenges of raising a large family (all worth it of course), do you really want to be in financial distress? I didn’t think so. That’s why Budgeting is so important.

No a budget isn’t a magic wand that makes everything alright. But it will help give you some financial peace of mind. And a task that can reduce stress,  is a thing worth doing.

I’ve seen budgets with anywhere from 3 (needs, savings, wants) up to 70 categories, yes 70. My current budget spreadsheet has 22 categories and next to each category is a column labeled “budgeted” and one label “actual”. There is a 3rd column labeled “remaining” that tells me how much is left in each category or how much I have gone over. Plus the columns are totaled at the bottom for the big picture view. I also have a table to track my income. And then there are columns and rows where I list every purchase made each month as they happen.

It may seem like a lot of work. But once you have the initial setup done it’s not hard to use at all. You do have to enter everything you spend money on but I enjoy doing it. And it gives you a great handle on your finances. At the end of each month you know exactly how you did, good or bad. You are either in the red, black or even.

If this seems overwhelming then maybe a simple 3-category budget might be better at first. You first list all your needs and how much they will cost you each month. Mortgage, food, utilities, charity, insurance etc…and no, going to Five Guys for a burger and fries is not a need (although it is pretty close). Second, you write down the amount you want to use for savings and paying down debt. Then whatever money is leftover goes in the “wants or blow” category. Just remember once you have spent everything in the “wants” category, you are done for the month. So plan well. This is an easy way to get started on budgeting until you feel that you are able to switchover to a more detailed budget. Some people do just fine on the simple budget but I find that I do better on the more detailed one.

Just because you have money left in a category doesn’t mean you can spend it. Well you can, but should you? Let’s say it is the last day of the month and you have $20 left in your food category. Should you rush out and buy a box of Ritz crackers, a can of Cheese Whiz and a bottle of Mad Dog 20/20? Or should you add that $20 to your retirement account or apply it to a credit card balance? Do they even sell Mad Dog 20/20 anymore?

Below is a snapshot of the spreadsheet I use.

Family Budgeting 101 – Part 1

Where does one start? Lots of people seem to hate budgeting or at best tolerate it like one tolerates a visit from the in laws. Personally I enjoy managing our finances, budgeting and working with spreadsheets.

For beginners or those in trouble or those whose finances just need an overhaul, you have to start somewhere. You can’t do everything at once. You’ll be overwhelmed and do a poor job of it, or quit altogether. So if you are swimming in debt and can’t get a handle on your finances, don’t fret. Budgeting is not technically difficult and can be mastered quickly if one has the desire.

In part 1 today, and part 2 (coming later), I’ll show what has worked for our family.

Tracking your spending

Track your spending for a month or two before attempting to make a budget. This will tell you where all your money is going each month. I bet you don’t know, I sure didn’t. Do this even before you attempt to make a budget. Having a month or two of detailed spending will make budgeting a lot easier to do. If you are impatient, and don’t want to track spending for that long, try and do it for at least 2 weeks.

You may also be able to do this in reverse and go through the last few months checking and credit card statements. If not, start recording everywhere that your money goes. From your double-whipped-caramel-skinny-latte at FiveBucks to your mortgage payment, track it all. Make some basic categories and first list all the fixed expenses that you know you have each month: mortgage/rent, food, utilities, phone etc. Then add in everything else you spend money on that month, write it all down or use something like excel or an online tool like Mint. I personally prefer using an excel spreadsheet for expense tracking and budgeting. I use the one called “Personal Budgeting Spreadsheet”. We will have an article out in a few weeks listing many free budgeting tools, including the ones we use.

You might think you know where your money is going, but I think this will be an eye-opening exercise for some.  You might find that you spent $150 last month on toys for Mr. buttons, your cat or $300 on running shoes. I’ve done that before (spent lots on running shoes…not a cat). Running shoes are a necessity, right?

After you have an idea of where the money is going, start thinking about ways to cut your spending so you can increase your savings rate and/or pay down debt.

Also think about just how frugal you want to be. Maybe you are doing alright and just want to cut the fat a bit so you can boost your retirement savings. Or maybe you are living paycheck to paycheck and drowning in debt.  There is no right answer to how much you have to slash from your spending. Some people, like my wife and me, are very frugal and refuse to go into debt for pretty much anything at all. We did finance our house but have since paid it off. We prefer a nice home cooked meal to swinging into the drive-thru at McDonald’s or Pizza Hut. Besides being very expensive to eat meals out with a large family, the food at most fast-food joints and chain restaurants is nutritional garbage. So let’s see, $75-$150 for low-grade dog food at a place like Burger King or Applebee’s, or $20 bucks for a nice meal at home? Tough choice. And yes we do feed our family dinner for $20. And no that is not Ramen noodles and PBJ. We spend an average of $46 dollars per day on food, but that’s a subject of a future post.

So as you read how we go about organizing our finances and what we spend our money on, just remember that this is how we have chosen to live. It’s certainly not the only way but it is the best way for us. We enjoy seeing how much we can save and we look forward to actually being able to retire and have some $$$ because it’s not like we can count on Social Security to provide for all our needs.

Personally I’d much rather save my money than by junk-food and more stuff for the house.

How much can you save after slashing your spending to a more reasonable level? Well here is a teaser from a future article, we save over 30% of my income each month. And no I don’t have a high paying job, just a regular old job. Above minimum wage obviously but not some high flying salary. And lower than most of my friends who have fewer kids and are struggling to make it financially. It’s about choices. Sure we all have bad financial luck at times…car breaks downs, kid needs braces, hours get cut at work…stuff happens. That’s why you have to plan and be prepared. We live in a very high expense area so it can be tough at times to save a third of my income but it is worth it to us. My bride, who works much harder than I, sadly does not get paid monetarily.

After tracking your spending for a while you’ll be ready to make a budget and get your financial goals on track. Wait! You do have Financial Goals don’t you? If not, start thinking about them. Maybe you want to pay off your student loans or your credit cards. Maybe you want to expand your garden gnome collection or your vintage Barry Manilow 8-track tape collection. Maybe you are getting older and have neglected your retirement planning. Maybe you are retired and just need to fine tune your finances so you don’t run out of money in your dotage and have to live off of Alpo.

If you find that your finances are completely hosed, you may want to try a “spending fast” for a certain period of time. Think Lent, but instead of meatless Fridays, you don’t spend any money on non-essentials for a month. We do one at least 1 month out of each year (another future article). I’ll be the first to admit that they are difficult. I thought it would be a breeze for us since we don’t shop a lot. I was wrong. I sure do miss the UPS driver and the lovely Amazon packages he used to bring me regularly.

Give budgeting a try for awhile. It might not be fun or easy, but I think you will find it worth the time and effort. Once you see the results, it can be addicting.

Thanks for reading and we look forward to your comments.

Maintain It

Take care of your things and your things will take care of you…especially the big things: house and cars.

  • Do most of the regular scheduled car maintenance. Talk to a mechanic you trust (not the dealer) about what needs to be done and when.
  • Wash and wax the cars. Besides looking nice, it keeps the rust away
  • Change the filter in your AC/Furnace at least every 3 months, check the owner’s manual for specifics. I change ours at the change of the seasons.
  • Paint the outside of your house as needed. Peeling paint is more than just an eyesore. It allows the weather in and causes rot. I know, I just had a bunch of trim on the outside of our house replaced and there was some underlying damage. So even more work had to be done which meant more $$$.

What am I leaving off? Bikes? Tools? Appliances? Yup keep those in good working order. What else?

Get a Mentor

Find a mentor. Someone that you look-up to for their financial deftness. The man/woman/couple who has it together financially. But don’t choose by appearances. Just because they have fancy clothes, a large house and 2 BMW’s in the driveway DOES NOT mean they are with it financially, It could actually mean the opposite. They may make a great income but spend a greater amount. Avoid these types, they are financial poison. The people that I’m talking about are the people that have no debt, well funded retirement accounts, and wear regular guy clothes.

A person who makes $50,000 per year and spends $40,000 a year is going to make a better mentor than the person who makes $250,000 a year and spends $300,000 a year.

Find someone that you can meet with and bounce ideas off. This could happen on a regular basis, monthly get-togethers. Or just when questions arise and you need to run an idea by someone who doesn’t have a personal interest in the issue/problem.

It would also be a bonus if this person has already successfully raised a family. Raising financially responsible kids is a great responsibility we have been given. We need to get this right. So look for people that have adult children that are doing well also.

Don’t know about y’all, but I can use all the help I can get.

Be Stronger than Achilles

 

What is your financial Achilles Heel? Where is your weak spot?

What is the one (or two or ten) thing that is putting a major hurt on your budget?

Look through your spending, or in your driveway maybe, and figure out what is it that you keep spending money on that is dragging down your financial stability.

It could be one big thing; car, truck, boat, vacation home etc…

Or maybe it’s a bunch of smaller expenditures that add up over time; golfing every weekend, expensive hair salon visits, eating out, excessive actives for the kids or maybe a combination of things.

What is mine you ask?

Those cars are one of the benefits of working from home. I do not need a newer reliable commuter car. These cars combined cost me less than a used Toyota Corolla or Honda Civic. Plus they are fun to work on with the kids. We spent one summer redoing the interior of the white one. The kids got to learn some new skills and some new words.

At least that’s how I’m justifying their purchase.

Remember, everyone has a weakness. Achilles, Superman…even Batman.

Track it Baby

Track it. Keep it fun.

When I started running again and de-fatting myself, I keep track of my progress. In addition to weighing myself, I recorded all my workouts on an online training log. If need be I could tell you my workouts for April 9th, 2007 for example (I ran 5.5 miles, biked 18 miles and swam 1800 yards. I knew that secretly you wanted to know).

Do the same with your finances when you start getting your financial butt in gear. Make a spreadsheet with all your financial info on it. List all your assets (house value, savings accounts, checking accounts, stocks, 401k etc…) and all your debts (credit card balances, car loans, home loans, student loans etc…). Then subtract the debts from your assets, this will give you your net-worth. Which very well may be negative at first.

Like looking down at the scale when first starting a weight-loss program, it can be painful at first. But the progress, and there will be progress if you stick with it, will be fun to watch…serious fun.

I update my spreadsheet once a month to get the big picture of my finances, if you are just starting out you might want to do it more often for the motivation factor.

Post your progress where you can see it. Bathroom mirror is a great place.

Another plus to having all the financial data on one spreadsheet, it will help your spouse if something happens to you. If during one of my morning runs some cell-phone-talking makeup-applying carpool-mom pancakes me with her mini-van while driving her overweight lazy kids a quarter mile to school (this is a fairly likely scenario) all our financial data is on one spreadsheet on my laptop…password protected of course. And another copy of it is stored in a bank safe deposit box.

Change your future now. Don’t be a typical American consumer.

Too Much Information?

How much is too much when sharing on the internet? How much do we really need to be sharing with each other compared to what we share with those in real life?

Do you need to know tons of details about those that contribute to this website? If you don’t, does it make what we post less trustworthy and relevant to you? How much personal information is safe to share from the author’s perspective?

People reading articles on the internet, especially on new sites like this one, have no way of knowing if what write is true or fabricated. I could be a single, 15 year-old kid making up stuff to jerk around with people. As opposed to the 50-something father of many that I am (honest).

And assuming you do take us at our word, how many personal details do you need to know in order for us to get our ideas across? At least some details are needed to give credence to what we are writing about.

It’s easy to say “spend less than you make” and “save more”. But without practical examples that have worked for us, will these saying help you at all? Probably not.

I’m a runner, I probably run too much. But if someone asks me how to train for a marathon. And I say “go run”. That’s particularly useful. It’s true, but some more details and personal experience would make the advice a lot more useful. But you wouldn’t need every detail about my running life. Sharing stories about chaffing and and toenails falling off, while amusing to some, wouldn’t contribute much to your running goals.

So we will try to balance over-sharing vs leaving out any personal information at all. You might get posts with some details of our financial status, marriage and child rearing tips (if we can think of any good ones), homeschooling how-to’s and personal data on other topics of interest.

So rest assured, you won’t ever know if/what underwear we are wearing. But you will know what works for our family and some of the basic details.

Don’t Be Normal

“Normal” in America is:

  • Buying a new car every 5 years and having a car payment the rest of your days.
  • Or even worse, leasing a car. Do the math.
  • Buying more house than you can afford and re-mortgaging it over and over.
  • Having more credit cards, that you don’t payoff, than sense.
  • $853.6 billion in credit card debt. Average credit card debt: $15,263
  • $994.0 billion in student loans. Average student loan debt: $31,646.
  • Saving nothing or minimal amount for retirement and counting on the government (who handles money like a drunken sailor) to provide for you.
  • #1 reason for divorce is money issues/fights
  • Getting all your financial information from the mainstream press.
  • Having more month than money…spending more each month than you make
  • Paying loads and high management fees on your mutual funds.
  • Not contributing enough to your 401k to get the company match.
  • Not maxing out your IRA, or contributing to it at all.
  • Buying new when used will do, buying used when borrowing will do, borrowing when doing without will do.
  • Not thinking outside the box.
  •  Enabling your spouse, family, friends in their money mistakes instead of showing tough love.
  • Taking out student loans for a college degree of questionable value, when other options are out there.
  • Living paycheck to paycheck.
  • Never making extra principal payments on your mortgage.
  • Buying whole life insurance not term.
  • Not having a budget.
  • Borrowing from your 401k for “emergencies”.
  • Consolidating credit card debt and NOT cutting up the cards

Pros and Cons of Being Debt Free

Being debt free is great for your finances and it’s also a great feeling. This may be even more important for larger families who have less wiggle-room in their finances. Not having to worry about debt and having an emergency fund set up goes a long way to giving you financial peace of mind. When life happens (car breaks down, medical emergency, appliance dies) it’s less stressful to deal with when you have the funds to cover it and don’t have to borrow to handle it.

On a personal level, this is our debt situation:

  • Credit card, car loan, and all other debt (except Mortgage) – Debt Free since 1988.
  • Mortgage – Debt Free since 2012

Pros:

  • You will sleep much better at night.
  • Your marriage will improve; the #1 reason given for divorce in the U.S. is money arguments.
  • You can take advantage of good deals or investments that arise. Chicken breasts on sale for $1.69lb? You’ve got the funds to buy a few hundred pounds if you want.
  •  More freedom to move or change jobs if you want/need to.
  • Graduating with no student loans will enable you to start saving sooner and investing in your future.
  •  You are not paying interest to The Man on stuff that you probably can’t even remember purchasing.
  •  You will be able to establish an emergency fund and start saving for retirement, vacation, new home or car etc…
  • You will be able to help others more easily, Donate to your church, favorite charity etc.

Cons:

  • Since you will be sleeping better you won’t be able to watch all those late-night infomercials.  How will you know which new product will be the next Pillow-Pet or Snuggy?
  • With no money problems, you will have to find something else to fight with your spouse about…maybe he/she squeezes the toothpaste tube in the middle.
  • You will no longer get to keep eating non-sale $5.99lb chicken.
  • You won’t have an excuse to keep living in that house you are upside-down in and keep working in that sucky job you hate.
  • Since you didn’t borrow for college, you won’t get to pay back $50,000 in loans over the next 20 years.
  • You won’t get to pay 18% to Visa and MasterCard for those carbon-fiber golf clubs that are gathering dust in your garage, sitting next to a financed sports car.
  • You will have to find your excitement elsewhere since you will be missing out on the excitement of living paycheck to paycheck and being on the financial edge.
  • You will have to say yes when someone knocks on your door collecting for the Association to End Cat Juggling