{"id":302787,"date":"2013-07-29T11:00:00","date_gmt":"2013-07-29T15:00:00","guid":{"rendered":"https:\/\/wp-stage.familylife.com\/www\/podcast\/%series%\/tips-from-a-money-saving-mom\/"},"modified":"2025-04-21T16:24:36","modified_gmt":"2025-04-21T20:24:36","slug":"tips-from-a-money-saving-mom","status":"publish","type":"podcast","link":"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/tips-from-a-money-saving-mom\/","title":{"rendered":"Tips From a Money-Saving Mom"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Moms tell how their frugal ways have them saving big at the grocery store, allowing them to give generously to others.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Moms tell how their frugal ways have them saving big at the grocery store, allowing them to give generously to others.<\/p>\n","protected":false},"author":91,"featured_media":294104,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","inline_featured_image":false,"_uag_custom_page_level_css":"","episode_type":"audio","audio_file":"https:\/\/web.familylifetoday.com\/fl2013-07-29.mp3","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"00:","filesize":"20.21M","filesize_raw":"21194428","date_recorded":"2013-07-29 11:00:00","explicit":"","block":""},"categories":[2851],"tags":[4525,4285,5299],"podcast_series":[7964],"cwp_profile":[3206,3272],"series":[2101],"class_list":["post-302787","podcast","type-podcast","status-publish","has-post-thumbnail","hentry","category-finances","tag-finances","tag-generosity","tag-money-saving","podcast_series-money-saving-families","cwp_profile-crystal-paine","cwp_profile-steve-and-annette-economides","series-familylife-today"],"acf":[],"episode_featured_image":"https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2024\/09\/FLT-Podcast-Cover-2-508x508-3.jpg?w=508","episode_player_image":"https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2023\/02\/image-scaled.jpg","download_link":"https:\/\/wp-stage.familylife.com\/www\/podcast-download\/302787\/tips-from-a-money-saving-mom","player_link":"https:\/\/wp-stage.familylife.com\/www\/podcast-player\/302787\/tips-from-a-money-saving-mom","audio_player":null,"episode_data":{"playerMode":"light","subscribeUrls":{"apple_podcasts":{"key":"apple_podcasts","url":"https:\/\/podcasts.apple.com\/us\/podcast\/familylife-today\/id212174303?mt=2&app=podcast","label":"Apple Podcasts","class":"apple_podcasts","icon":"apple-podcasts.png"},"google_podcasts":{"key":"google_podcasts","url":"","label":"Google Podcasts","class":"google_podcasts","icon":"google-podcasts.png"},"spotify":{"key":"spotify","url":"https:\/\/open.spotify.com\/show\/0j5UaKdQOHQCuo1bt0ebEm","label":"Spotify","class":"spotify","icon":"spotify.png"},"youtube":{"key":"youtube","url":"","label":"YouTube","class":"youtube","icon":"youtube.png"}},"rssFeedUrl":"https:\/\/wp-stage.familylife.com\/www\/feed\/podcast\/familylife-today","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"1LQ6XtJcNP\"><a href=\"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/tips-from-a-money-saving-mom\/\">Tips From a Money-Saving Mom<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/tips-from-a-money-saving-mom\/embed\/#?secret=1LQ6XtJcNP\" width=\"500\" height=\"350\" title=\"&#8220;Tips From a Money-Saving Mom&#8221; &#8212; FamilyLife\u00ae - A Cru Ministry\" data-secret=\"1LQ6XtJcNP\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script>\n\/*! This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/wp-stage.familylife.com\/www\/wp-includes\/js\/wp-embed.min.js\n<\/script>\n"},"spectra_custom_meta":{"_wp_page_template":["default"],"transcript_url":["https:\/\/transcript.familylifetoday.com\/fl2013-07-29.pdf"],"audio_file":["https:\/\/web.familylifetoday.com\/fl2013-07-29.mp3"],"transcript_content":["<p><strong>Bob:<\/strong> We talk, often, at FamilyLife<sup>\u00ae<\/sup>, about the need for oneness in a marriage relationship. Crystal Paine says, \u201cOneness applies to your family finances, as well.\u201d<\/p>\n<p><strong>Crystal:<\/strong> I think it is so important that you are on the same page. You need to sit down; you need to talk about your goals\u2014you need to talk about where you want to be in a year from now, and five years from now, and ten years from now. You need to get on the same page, financially, and with your goals. Then, second of all, you need to have a budget. I know a lot of people\u2014they feel like: \u201cOh! A budget is so restrictive. That\u2019s just this ball and chain, and we can\u2019t do that because I like to spend money.\u201d<\/p>\n<p>Well, the thing that we have found is that a budget gives you freedom because you have these boundaries to work within. So, I don\u2019t have to worry when I go to the store with my grocery-envelope cash. I don\u2019t have to worry that I\u2019m not going to be able to pay for the light bill, or I\u2019m not going to be able to afford gas. We budget for everything. Now, that we have more wiggle room in our budget, we budget for eating out. We budget for\u2014we even have a blow category.<\/p>\n<p>It\u2019s not like it\u2019s this, you know, \u201cLet\u2019s be as tight as we possibly can be;\u201d but it\u2019s, \u201cLet\u2019s choose where we\u2019re going to put our money so we have some leftover so that we can invest it in things that we are passionate about and are important to us.\u201d<\/p>\n<p><strong>Bob:<\/strong> This is <em>FamilyLife Today<\/em> for Monday, July 29<sup>th<\/sup>. Our host is the President of FamilyLife, Dennis Rainey, and I\u2019m Bob Lepine. We\u2019re going to talk today about saving money, as a family, and about how you can be on the same page, as a couple. Stay tuned.<\/p>\n<p>And welcome to <em>FamilyLife Today<\/em>. Thanks for joining us. You\u2019re going to have to pardon my scratchy throat here today, but I want to start off with a scale of 1 to 5. I\u2019d like to know where you are on this scale of 1 to 5; okay?<\/p>\n<p><strong>Dennis:<\/strong> I\u2019m a 5.<\/p>\n<p><strong>Bob:<\/strong> Well, you better wait until I define. [Laughter] One would be tight\u2014financially tight\u2014just keep the wallet, buried tight. Two is thrifty. Three is moderate. Four is generous. Five is extravagant. Where would you say you are, now, on that scale of 1 to 5?<\/p>\n<p><strong>Dennis:<\/strong> Oh, on the positive side\u2014[Laughter] \u2014on the positive side of 3\u2014probably, a 4.<\/p>\n<p><strong>Bob:<\/strong> Three-plus \/ 4. Where is Barbara?<\/p>\n<p><strong>Dennis:<\/strong> She\u2019s probably right in the middle. Really, money has never been a giant issue in our marriage. We have seemed to communicate well. We got a budget early in our marriage. We agreed that it was the enemy, not the other person; and we decided we would agree upon how we were going to spend our money. We\u2019ve pretty much done that over the years, and we\u2019re not a jot-and-tittle budget couple;\u2014<\/p>\n<p><strong>Bob:<\/strong> Right.<\/p>\n<p><strong>Dennis:<\/strong> \u2014but we are mindful of making sure we don\u2019t spend more than we take in. Plus, we watch the credit like a hawk. I mean, we don\u2019t use credit cards unless we absolutely have to.<\/p>\n<p><strong>Bob:<\/strong> And there have been seasons in your marriage where you have had to pay a little closer attention to the bottom line; right?<\/p>\n<p><strong>Dennis:<\/strong> Oh, no doubt about it. Being in the ministry, we\u2019ve gotten a couple of short paychecks over the past 42 years. That gets your attention. I wish I\u2019d had time, early in our marriage, with our guests that are with us on <em>FamilyLife Today<\/em>. Steve and Annette Economides join us on <em>FamilyLife Today<\/em> and, also, Crystal Paine. Welcome to the broadcast.<\/p>\n<p><strong>Steve:<\/strong> It\u2019s great to be here.<\/p>\n<p><strong>Annette:<\/strong> Well, it\u2019s great to be here.<\/p>\n<p><strong>Crystal:<\/strong> Thank so much for having us.<\/p>\n<p><strong>Dennis:<\/strong> Steve and Annette have been married since 1982. They have five children. I love this title that you\u2019ve\u2014I assume you\u2019ve given yourselves. I hope somebody else didn\u2019t give this to you\u2014America\u2019s Cheapest Family.<\/p>\n<p><strong>Steve:<\/strong> Actually, Dennis, it was given to us by Charlie Gibson on <em>Good Morning America<\/em>, back in 2004. [Laughter]<\/p>\n<p><strong>Bob:<\/strong> I guess if ABC news says, \u201cYou\u2019re America\u2019s Cheapest Family,\u201d then, who is to argue with them; right?<\/p>\n<p><strong>Annette:<\/strong> Well, you know, at first, it was sort of\u2014we were like, \u201cIs that an insult, or is that a good thing?\u201d Then, we thought: \u201cYou know, if it means that we have an avenue to speak a platform about frugal living, and people are more open to it, we\u2019ll do it. We\u2019ll wear it.\u201d So, we did.<\/p>\n<p><strong>Dennis:<\/strong> And you\u2019ve written a book called <em>The MoneySmart Family<\/em><sup>\u2122<\/sup><em> System<\/em>, and we\u2019ll talk about that a little bit later.<\/p>\n<p>Crystal is the wife of Jesse, since 2003. They have three children. She has written a book called <em>The Money Saving Mom\u2019s Budget<\/em>. So, you do believe in budgets? We\u2019re going to hear more\u2014<\/p>\n<p><strong>Crystal:<\/strong> Yes, very much.<\/p>\n<p><strong>Dennis:<\/strong> \u2014we\u2019re going to hear a lot about that in a moment. And you\u2019re a blogger. You blog for <em>MomLife Today<\/em><em><sup>\u00ae<\/sup><\/em>, which is a part of FamilyLife; but you also have your own blog. Share with our listeners a little about that.<\/p>\n<p><strong>Crystal:<\/strong> Yes. My blog is MoneySavingMom.com. It grew out of a mommy blog that I had started when my husband was in law school, and we were living on a beans-and-rice budget, and trying to make it through law school without going into debt. So, I had this little mommy blog. One day, I said something about us buying all our groceries that week for $17.<\/p>\n<p>Apparently, not everybody else buys their groceries for $17 because a lot of people came out of the woodwork; and they said: \u201cOh my goodness! How on earth do you do that?\u201d So, from there, I did a series on that blog on supermarket savings. People kept asking questions. So, then, I turned that series into an e-book\u2014sold thousands of those. People kept asking questions. So, finally, in 2007, we launched MoneySavingMom.com.<\/p>\n<p><strong>Bob:<\/strong> Okay. Hang on; time-out. I\u2019ve just got to know\u2014on my 1-to-5 scale, with 1 being tight and 5 being extravagant\u2014\u201cWhere would you put yourself on that scale?\u201d<\/p>\n<p><strong>Crystal:<\/strong> My husband would put me at a 1.<\/p>\n<p><strong>Bob:<\/strong> Yes.<\/p>\n<p><strong>Crystal:<\/strong> I would say that, now that we have a little bit more wiggle-room in the budget, that I probably would be a 2\u2014maybe?\u2014[Laughter]<\/p>\n<p><strong>Dennis:<\/strong> It\u2019s hurting her to admit that. You can tell.<\/p>\n<p><strong>Crystal:<\/strong> \u2014unless I\u2019m buying something for someone else. Then, I tend to be less frugal.<\/p>\n<p><strong>Bob:<\/strong> You really are committed to frugality. Why?<\/p>\n<p><strong>Crystal:<\/strong> You know, the reason is\u2014is because we want to live simply so that others can simply live. For us, it\u2019s not about, \u201cLet\u2019s see how much money we can save for saving money\u2019s sake.\u201d It\u2019s about, \u201cWe want to be able to give generously, and we want to steward our money well. We want to use the resources that God has given us to bless as many people as possible.\u201d So, if we use our money wisely\u2014and we are strategic in how we budget, and we\u2019re careful with our money\u2014we are able to give generously to others.<\/p>\n<p><strong>Dennis:<\/strong> I like where you\u2019re starting. I really do. I like the idea of being focused on others and giving\u2014rather than consumers and: \u201cHow much we can save so we can go do\u2014we can spend the money on ourselves and enjoy ourselves.\u201d Where did that idea, of becoming a giving couple\u2014a giving family\u2014come from?<\/p>\n<p><strong>Crystal:<\/strong> You know, really, my parents modeled financial stewardship before me. I remember, as a young girl\u2014when I was about six years old\u2014we paid off our house. Then, we saved and we lived frugally so then we could pay cash for a house.<\/p>\n<p>Seeing my parents go through all that\u2014seeing the sacrifices that they made\u2014it was\u2014it really, really, had an impact on me; but it wasn\u2019t so that they could just buy nice stuff or it wasn\u2019t for just being for debt-free sake\u2014like this was some idol we had set up to be debt-free. It was so that they could give, and I saw that they were free to be able to give because they had stewarded their money well.<\/p>\n<p>So, watching that really, really, challenged and inspired me; and that was why my husband and I set out to go through law school, debt-free, was because of being inspired through my parents.<\/p>\n<p><strong>Bob:<\/strong> Growing up in that household\u2014where Mom and Dad are really saving money to try and get things paid off\u2014I\u2019m guessing there were a lot of things that other kids you knew were getting that you weren\u2019t getting. Wasn\u2019t there any kind of teenage push-back on \u201chow we\u2019re living as a family\u201d?<\/p>\n<p><strong>Crystal:<\/strong> Well, I was homeschooled. So, I guess that helped a little bit. But I remember that when I was about 12 years old, I started\u2014my parents had me start buying all of my own clothes. That was a really good thing because I learned frugality in a real-life situation. I remember that\u2014if I had $12\u2014if I took that $12 to Target<sup>\u00ae<\/sup>\u2014even off the clearance rack, maybe, I could get three items\u2014but if I went to the thrift store, on dollar days, I could get 12 items.<\/p>\n<p>I learned frugality, in real-life situations, from a young age, because my parents were encouraging me to have to buy my own things. I really appreciate that about them.<\/p>\n<p><strong>Dennis:<\/strong> What is your favorite story about your parents\u2019 giving? I mean, you undoubtedly had to see dozens of them, growing up.<\/p>\n<p><strong>Crystal:<\/strong> You know, there were a lot of things that\u2014I would find these thank-you notes from people\u2014that I was like, \u201cI never knew my parents did that.\u201d There were a lot of things that they did anonymously, and I am sure there are dozens of things that we never found out about that they did.<\/p>\n<p>We were able to open up our home and being able to\u2014I remember whenever someone was in need, we would be able to do something for them. There are a lot of stories, but I can\u2019t share them on the air because there are still anonymous\u2014but just some really cool things that we were able to do and to bless other people.<\/p>\n<p>I found, from a young age, there is <em>so much blessing<\/em> in giving and living a life poured- out for other people and letting God pour through you and being that empty vessel that He can pour through. There is so much fulfillment in living a life with outstretched arms.<\/p>\n<p><strong>Bob:<\/strong> Did Jesse know what he was getting into when he said, \u201cWill you marry me?\u201d I mean, did\u2014seriously\u2014did he know\u2014<\/p>\n<p><strong>Dennis:<\/strong> I wish they could see the grin on her face right now. Of course, he didn\u2019t!<\/p>\n<p><strong>Bob:<\/strong> Did he know he was getting a 1, who it hurt her to say, \u201cI\u2019m a 2, now\u201d?<\/p>\n<p><strong>Crystal:<\/strong> I think he had a pretty good idea because we met when we were nine and ten, and we were close friends. [Laughter] We got married when we were 20 and 21. So, I think he had a good idea of where I was coming from; but I remember when we first got married and we didn\u2019t have any money, and yet, he would want to go and buy name-brand stuff. I would be like, \u201cHoney, I can just get it for you at the thrift store.\u201d He\u2019s like, \u201cI don\u2019t wear thrift-store clothes.\u201d It was really good for me to realize that I can\u2019t force my husband into being someone that he is not; and I need to accept that we need to have some balance in our relationship.<\/p>\n<p><strong>Bob:<\/strong> How much did your wedding cost? Do you remember?<\/p>\n<p><strong>Crystal:<\/strong> Yes. We had four\u2014let\u2019s see. I know we did it for less than $5,000; and I think we had close to 400 people.<\/p>\n<p><strong>Bob:<\/strong> Did you get your dress at the thrift store?<\/p>\n<p><strong>Crystal:<\/strong> No, I wore my mom\u2019s dress.<\/p>\n<p><strong>Bob:<\/strong> Okay, that helps. [Laughter]<\/p>\n<p><strong>Dennis:<\/strong> Did you charge people to come to your wedding? [Laughter]<\/p>\n<p><strong>Crystal:<\/strong> No! [Laughter]<\/p>\n<p><strong>Bob:<\/strong> Thought about it. She thought about it.<\/p>\n<p><strong>Dennis:<\/strong> I want to go back to that first year in law school. Jesse was going through\u2014you had a goal of getting through law school, debt-free. Now, that\u2019s a lofty goal. How in the world\u2014first of all, did you do it?<\/p>\n<p><strong>Crystal:<\/strong> Yes, we did it by the grace of God.<\/p>\n<p><strong>Dennis:<\/strong> Okay. How?<\/p>\n<p><strong>Crystal:<\/strong> Well, my husband\u2014when he was 12 years old, his mom died\u2014and she left him a small amount of money. His dad was really wise, and he invested that money. So, by the time we got married, he had money set aside\u2014with money that he had saved through having a business and through doing some other things, and living at home some of his college years, and working all during his college years.<\/p>\n<p>So, we had money set aside to pay for college; and he went to an in-state school, which is a lot cheaper. He got a scholarship. So, we had that taken care of; and we couldn\u2019t touch that money that was in the bank. It was just, then, figuring out how to live on $500, or $1,000, or whatever we had that month that came in. Some people are like, \u201cWell, how on earth did you\u2026.?\u201d They assume college costs $150,000 or something. When you go in-state, it\u2019s not as expensive.<\/p>\n<p><strong>Dennis:<\/strong> Well, I\u2019m thinking about $17 a week for groceries. Did you say beans and rice? Is that what you said?<\/p>\n<p><strong>Bob:<\/strong> I\u2019m hearing macaroni and cheese\u2014<em>a lot<\/em> of macaroni and cheese with that one.<\/p>\n<p><strong>Dennis:<\/strong> A lot of thin soups.<\/p>\n<p><strong>Bob:<\/strong> Ramen; Ramen. Was this a whole Ramen week for you?<\/p>\n<p><strong>Crystal:<\/strong> I\u2019ve only eaten Ramen once in my life, and I didn\u2019t like it. So, it was not Ramen; but we did not eat hardly any beef for two years. We would buy one bag of chicken, and we would make it last for two weeks. That\u2019s what we did. You knew it was a short-term sacrifice for a long-term goal, and it was worth it. It wasn\u2019t always wonderful, and it was hard. There were times when we thought: \u201cYou know, this just really stinks! This is not fun at all.\u201d But it was worth it.<\/p>\n<p><strong>Dennis:<\/strong> You did sacrifice so your husband could go to law school. Why is sacrifice so important, as you approach the subject of money?<\/p>\n<p><strong>Crystal:<\/strong> If you don\u2019t make sacrifices\u2014if you\u2019re <em>not willing<\/em> to make sacrifices\u2014you\u2019re not going to probably reap the benefits. Sacrifice is important because if you can\u2019t\u2014like I talked about\u2014you have to make short-term sacrifices for long-term benefits. That\u2019s in all areas of our lives. Sacrifice will help you to achieve those results, and you will reap the fruit; but it is hard!<\/p>\n<p>I remember those times, when he was in law school, and we didn\u2019t have $2 to spare in our budget. We couldn\u2019t buy anything! I remember, when I got pregnant, I couldn\u2019t buy maternity clothes because I didn\u2019t have any money to even go to the thrift store. We just prayed, and a friend of mine sent a box of maternity clothes. You know, God <em>always<\/em> provided; but that didn\u2019t mean that there weren\u2019t times when it was really hard. We had to just get on our faces, and cry, and say, \u201cGod, we have to trust you to provide this for us.\u201d<\/p>\n<p><strong>Dennis:<\/strong> You guys are coming up on your tenth anniversary. Let\u2019s say I seated a young couple, across the table from you, who are just starting out their marriage together. What are the best two or three pieces of advice you could give this young couple, as they begin their marriage and family?<\/p>\n<p><strong>Crystal:<\/strong> I think it is so important that you are on the same page. You need to sit down; you need to talk about your goals\u2014you need to talk about where you want to be in a year from now, and five years from now, and ten years from now. You need to get on the same page, financially, and with your goals. Then, second of all, you need to have a budget. I know a lot of people\u2014they feel like: \u201cOh! A budget is so restrictive. That\u2019s just this ball and chain, and we can\u2019t do that because I like to spend money.\u201d<\/p>\n<p>Well, the thing that we have found is that a budget gives you freedom because you have these boundaries to work within. So, I don\u2019t have to worry when I go to the store with my grocery-envelope cash. I don\u2019t have to worry that I\u2019m not going to be able to pay for the light bill, or I\u2019m not going to be able to afford gas. We budget for everything. Now, that we have more wiggle room in our budget, we budget for eating out. We budget for\u2014we even have a blow category. It\u2019s not like it\u2019s this, you know, \u201cLet\u2019s be as tight as we possibly can be;\u201d but it\u2019s, \u201cLet\u2019s choose where we\u2019re going to put our money so we have some leftover so that we can invest it in things that we are passionate about and are important to us.\u201d<\/p>\n<p><strong>Dennis:<\/strong> I hear a very purposeful, intentional approach, as a couple, to how you approach money.<\/p>\n<p><strong>Bob:<\/strong> Here is what I\u2019m hearing. I\u2019m thinking to myself, \u201cIf I was married to Crystal, there would be some night that I would go, \u2018I\u2019m so sick of this deal. I just\u2019\u201d\u2014<\/p>\n<p><strong>Dennis:<\/strong> \u201cI\u2019m breaking out of the penitentiary.\u201d<\/p>\n<p><strong>Bob:<\/strong> \u2014\u201cI just want to go get some ice cream, and I <em>don\u2019t care<\/em> that it\u2019s not in the budget!\u201d<\/p>\n<p><strong>Dennis:<\/strong> Okay, to that point\u2014<\/p>\n<p><strong>Bob:<\/strong> \u201cI want ice cream!\u201d<\/p>\n<p><strong>Dennis:<\/strong> \u2014on the 1-to-5 point scale, where are you?\u2014if 1 is frugal\u2014almost airtight\u2014<\/p>\n<p><strong>Bob:<\/strong> Yes?<\/p>\n<p><strong>Dennis:<\/strong> \u2014and 5 is extravagant? Where are you and where is Mary Ann?<\/p>\n<p><strong>Bob:<\/strong> I would be near the 4, kind of where you are. Mary Ann would be a little further toward the 2 than where I am. She would be just a little more\u2014here\u2019s what we find. I\u2019m the kind of person who goes out and says, \u201cLet\u2019s get three of these so that we\u2019ve got an extra one.\u201d<\/p>\n<p><strong>Dennis:<\/strong> No. Now, we\u2019ve got to tell the story, Bob, of the straws.<\/p>\n<p><strong>Bob:<\/strong> Okay; alright.<\/p>\n<p><strong>Dennis:<\/strong> Crystal, you\u2019re going to love this story!<\/p>\n<p><strong>Bob:<\/strong> Crystal is going to be on my side with this story, by the way. She is going to\u2014she\u2019s going to be on my side; okay?<\/p>\n<p>We were out of straws. I knew Mary Ann\u2014the next time she went to the Kroger<sup>\u00ae<\/sup>\u2014was going to get straws. You know how much straws cost at the Kroger?\u2014a box of 50\u201499 cents. I was at Sam\u2019s<sup>\u00ae<\/sup>. I found a box of 1,000 straws for $9.99. That\u2019s a penny a straw versus\u2014what?\u2014two cents a straw. I brought home the bargain\u2014<\/p>\n<p><strong>Dennis:<\/strong> Enough to last a lifetime.<\/p>\n<p><strong>Bob:<\/strong> \u2014a thousand straws. [Laughter] That was the right choice; wasn\u2019t it? Don\u2019t you think?<\/p>\n<p><strong>Crystal:<\/strong> Not if you use more straws because you have a whole bunch extra, though.<\/p>\n<p><strong>Bob:<\/strong> Well, that\u2019s a good point. I didn\u2019t think about that.<\/p>\n<p><strong>Dennis:<\/strong> Do you have any left today? That was two and a half decades ago.<\/p>\n<p><strong>Bob:<\/strong> We have finally gotten through the straws. [Laughter] We\u2019re all the way through them. Now, we just\u2014every time we go to Sonic<sup>\u00ae<\/sup>, and we get three or four straws\u2014then, we just take them home and use that number. We never buy straws anymore.<\/p>\n<p><strong>Crystal:<\/strong> I don\u2019t think you\u2019re supposed to tell that on air.<\/p>\n<p><strong>Bob:<\/strong> Okay. [Laughter] Don\u2019t tell the Sonic people that we\u2019re doing that. You might want to put that on your blog, though, because it\u2019s a great money-saver. Just say, \u201cCan I have an extra straw?\u201d and take it home and use it later.<\/p>\n<p><strong>Dennis:<\/strong> You know, I want to go back to law school and what you guys did during that time because you not only had the goal of getting through law school, debt-free, but you also had a goal\u2014didn\u2019t you?\u2014of saving and packing away some money, at the same time?<\/p>\n<p><strong>Crystal:<\/strong> When Jesse was in law school, our goal was to not go into debt, to tithe regularly\u2014that was something that was very important to us\u2014to tithe off the top\u2014and to save if we possibly could. Some months, it was only $5. There were some times when we couldn\u2019t hardly save anything; but we always felt like, \u201cYou know, you should always try to live on less than you make, even if that means it\u2019s only $3 less than you make.\u201d<\/p>\n<p><strong>Dennis:<\/strong> And for you\u2014credit, and credit cards, and debt\u2014how do you feel about that? I\u2019m looking at the top of your book: \u201cThis book will help you make dollars and sense of your life again!\u201d\u2014Dave Ramsey.<\/p>\n<p><strong>Bob:<\/strong> We know how he feels about credit cards.<\/p>\n<p><strong>Dennis:<\/strong> I can\u2019t imagine him endorsing this book unless you have a similar approach to credit cards.<\/p>\n<p><strong>Crystal:<\/strong> Yes, I\u2019ve actually never had a credit card in my entire life. So, my husband did have one when we first got married; and that was a point of contention. [Laughter] He said it was to build up credit.<\/p>\n<p><strong>Bob:<\/strong> Yes.<\/p>\n<p><strong>Crystal:<\/strong> You know, he did eventually cut it up. He realized that he spent more money when he had that credit card. For him, he really did spend more money. We even are big advocates of not using debit cards unless it\u2019s something that\u2019s like a set\u2014you know, a set bill or something\u2014that you\u2019re not going to be tempted to overspend because we\u2019ve found that when we swipe, we always spend more.<\/p>\n<p><strong>Bob:<\/strong> So, Amazon<sup>\u00ae<\/sup>\u2014what do you do with Amazon?<\/p>\n<p><strong>Crystal:<\/strong> You know, you can order online with cash. You can go buy a gift card at Kroger, actually; but you don\u2019t have to. I\u2019m not telling everybody that they have to go cut up their credit cards. I just encourage people: \u201cIf possible, try a cash-only challenge for three months. Make yourself do it, and see if you can do it,\u201d because I think you\u2019ll learn a lot about yourself in those three months.<\/p>\n<p>I think you\u2019ll discover, maybe, you spend a whole lot more than you realize you\u2019re spending on little things. No wonder your money is gone before the end of the month because it\u2019s just all flowing through your hands and you\u2019re not even realizing\u2014you\u2019re not accounting for it. So, I think it\u2019s very important that you know where your money is going. But if you like to swipe a card, and you can swipe responsibly, then, go swipe your card. I just won\u2019t be joining you. [Laughter]<\/p>\n<p><strong>Dennis:<\/strong> You, as I mentioned earlier, are a contributor to <em>MomLife Today<\/em>, which is a mommy blog that FamilyLife has. You\u2019re in touch with all kinds of people through your own blog. What are you seeing today in terms of trends of young families in their approach to handling money? Can you make a general observation of what you are seeing?<\/p>\n<p><strong>Crystal:<\/strong> You know, I\u2019m seeing that a lot of these younger families don\u2019t have money skills at all. They have not seen good money management, at all, in their growing-up years. So, a lot of them\u2014they\u2019ll write in, and they\u2019ll tell me\u2014they\u2019ll say, \u201cYou know, I didn\u2019t even know it was possible to save money,\u201d or, \u201cI never even <em>thought<\/em> of the idea of using cash or living on less than we make.\u201d You know, that was just not something that was ever exemplified for these young couples.<\/p>\n<p>So, but many of them, they\u2019re struggling because of the economy. So, they want to find ways to save money. That\u2019s why they are turning to the blogosphere, which now, there are thousands of wonderful resources out there, online, to help people save money.<\/p>\n<p><strong>Dennis:<\/strong> And if people don\u2019t have skills, then, they are going to get into trouble. I mean, there are a lot of young couples who end up getting married with all kinds of school debt. And from a credit card standpoint, they are in some really precarious waters; right?<\/p>\n<p><strong>Crystal:<\/strong> Yes. And I think that a lot of times people just assume that debt is inevitable when you go to college, and I would disagree. I think that it is very possible to get an education\u2014to get a college degree\u2014without going into debt.<\/p>\n<p><strong>Bob:<\/strong> I\u2019m thinking, \u201cCrystal for Secretary of the Treasury.\u201d What do you think? \u201cPut the budget together for the Congress today.\u201d<\/p>\n<p><strong>Dennis:<\/strong> Let\u2019s send her to Washington.<\/p>\n<p><strong>Bob:<\/strong> Yes. Could you fix things if we sent you up there?<\/p>\n<p><strong>Crystal:<\/strong> I don\u2019t know about that! [Laughter]<\/p>\n<p><strong>Dennis:<\/strong> You know, this might not be a bad idea to send all the members of Congress\u2014<\/p>\n<p><strong>Bob:<\/strong> All of Congress\u2014<em>The Money Saving Mom\u2019s Budget<\/em>.<\/p>\n<p><strong>Dennis:<\/strong> \u2014<em>The Money Saving Mom\u2019s Budget<\/em>\u2014because, here, it says, <em>Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year<\/em>.<\/p>\n<p><strong>Bob:<\/strong> That\u2019s a platform you can run on, right there, I think.<\/p>\n<p><strong>Dennis:<\/strong> I think it is. Crystal, I really appreciate you writing this book; and I appreciate your ministry on <em>MomLife Today<\/em> and your blog. We\u2019re just glad you joined us on <em>FamilyLife Today<\/em>.<\/p>\n<p><strong>Bob:<\/strong> Well, and I\u2019ve been watching the Economides as we\u2019ve been talking to Crystal; and they\u2019ve just been nodding their heads and agreeing with what she\u2019s been saying. And we\u2019re going to continue our conversation and hear more from them this week.<\/p>\n<p>We have copies of Crystal Paine\u2019s book, <em>The Money Saving Mom\u2019s Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year.<\/em> We\u2019ve got copies of the book in our <em>FamilyLife Today<\/em> Resource Center. Also, copies of the book that Steve and Annette Economides have written called <em>The MoneySmart Family System: Teaching Financial Independence to Children of Every Age<\/em>.<\/p>\n<p>If this is an area in your marriage\u2014in your family\u2014that needs attention, go to FamilyLifeToday.com and find out more about the books that are available from Crystal Paine and Steve and Annette Economides. Again, our website is FamilyLifeToday.com; or you can call 1-800-FL-TODAY if you have questions about either book or if you\u2019d like to order by phone. Again, the toll-free number is 1-800-FL-TODAY; or go, online, at FamilyLifeToday.com.<\/p>\n<p>You know, we think about getting our financial house in order. What about getting our house in order; especially, during this time of year when things can get a little crazy? We had a conversation, a while back, with Kay Wills Wyma, who is the author of a book called <em>Cleaning House<\/em>. And really, the subject of her book was all about how we teach responsibility to children by getting them involved in household management. It\u2019s a great book, and it was a great conversation. This may be the time of year for you to begin laying out a strategy for fall\u2014to bring a little order out of the chaos that has begun to dominate your home.<\/p>\n<p>When you make a donation to <em>FamilyLife Today<\/em> this week\u2014we\u2019d like to say, \u201cThank you,\u201d by sending you a CD of our conversation with Kay Wyma about how we cultivate a sense of responsibility in our children and get them pitching in to be involved around the house. Go to FamilyLifeToday.com. Click the button that says, \u201cI CARE\u201d, so you can make an online donation this week. Or call 1-800-FL-TODAY. Make a donation over the phone; ask for the CD called <em>Cleaning House<\/em> when you get in touch with us. And let me just say: \u201cThank you for joining with us in supporting the ministry of <em>FamilyLife Today<\/em>. We appreciate you.\u201d<\/p>\n<p>Tomorrow, we\u2019re going to talk more about your money, your family finances, and how you can get a handle on your budget. I hope you can join us back for that.<\/p>\n<p>I want to thank our engineer today, Keith Lynch, and our entire broadcast production team. On behalf of our host, Dennis Rainey, I\u2019m Bob Lepine. We will see you back next time for another edition of <em>FamilyLife Today<\/em>.<\/p>\n<p><em>FamilyLife Today<\/em> is a production of FamilyLife of Little Rock, Arkansas. Help for today. Hope for tomorrow.<\/p>\n<p>We are so happy to provide these transcripts to you. However, there is a cost to produce them for our website. If you\u2019ve benefited from the broadcast transcripts, would you consider <a href=\"http:\/\/wp-stage.familylife.com\/www\/donate\">donating today<\/a> to help defray the costs?<\/p>\n<p>Copyright <sup>\u00a9<\/sup> 2013 FamilyLife. 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tell how their frugal ways have them saving big at the grocery store, allowing them to give generously to others.","meta_box":{"show_notes":"","transcript_url":"https:\/\/transcript.familylifetoday.com\/fl2013-07-29.pdf","transcript_content":"<p><strong>Bob:<\/strong> We talk, often, at FamilyLife<sup>\u00ae<\/sup>, about the need for oneness in a marriage relationship. Crystal Paine says, \u201cOneness applies to your family finances, as well.\u201d<\/p>\n<p><strong>Crystal:<\/strong> I think it is so important that you are on the same page. You need to sit down; you need to talk about your goals\u2014you need to talk about where you want to be in a year from now, and five years from now, and ten years from now. You need to get on the same page, financially, and with your goals. Then, second of all, you need to have a budget. I know a lot of people\u2014they feel like: \u201cOh! A budget is so restrictive. That\u2019s just this ball and chain, and we can\u2019t do that because I like to spend money.\u201d<\/p>\n<p>Well, the thing that we have found is that a budget gives you freedom because you have these boundaries to work within. So, I don\u2019t have to worry when I go to the store with my grocery-envelope cash. I don\u2019t have to worry that I\u2019m not going to be able to pay for the light bill, or I\u2019m not going to be able to afford gas. We budget for everything. Now, that we have more wiggle room in our budget, we budget for eating out. We budget for\u2014we even have a blow category.<\/p>\n<p>It\u2019s not like it\u2019s this, you know, \u201cLet\u2019s be as tight as we possibly can be;\u201d but it\u2019s, \u201cLet\u2019s choose where we\u2019re going to put our money so we have some leftover so that we can invest it in things that we are passionate about and are important to us.\u201d<\/p>\n<p><strong>Bob:<\/strong> This is <em>FamilyLife Today<\/em> for Monday, July 29<sup>th<\/sup>. Our host is the President of FamilyLife, Dennis Rainey, and I\u2019m Bob Lepine. We\u2019re going to talk today about saving money, as a family, and about how you can be on the same page, as a couple. Stay tuned.<\/p>\n<p>And welcome to <em>FamilyLife Today<\/em>. Thanks for joining us. You\u2019re going to have to pardon my scratchy throat here today, but I want to start off with a scale of 1 to 5. I\u2019d like to know where you are on this scale of 1 to 5; okay?<\/p>\n<p><strong>Dennis:<\/strong> I\u2019m a 5.<\/p>\n<p><strong>Bob:<\/strong> Well, you better wait until I define. [Laughter] One would be tight\u2014financially tight\u2014just keep the wallet, buried tight. Two is thrifty. Three is moderate. Four is generous. Five is extravagant. Where would you say you are, now, on that scale of 1 to 5?<\/p>\n<p><strong>Dennis:<\/strong> Oh, on the positive side\u2014[Laughter] \u2014on the positive side of 3\u2014probably, a 4.<\/p>\n<p><strong>Bob:<\/strong> Three-plus \/ 4. Where is Barbara?<\/p>\n<p><strong>Dennis:<\/strong> She\u2019s probably right in the middle. Really, money has never been a giant issue in our marriage. We have seemed to communicate well. We got a budget early in our marriage. We agreed that it was the enemy, not the other person; and we decided we would agree upon how we were going to spend our money. We\u2019ve pretty much done that over the years, and we\u2019re not a jot-and-tittle budget couple;\u2014<\/p>\n<p><strong>Bob:<\/strong> Right.<\/p>\n<p><strong>Dennis:<\/strong> \u2014but we are mindful of making sure we don\u2019t spend more than we take in. Plus, we watch the credit like a hawk. I mean, we don\u2019t use credit cards unless we absolutely have to.<\/p>\n<p><strong>Bob:<\/strong> And there have been seasons in your marriage where you have had to pay a little closer attention to the bottom line; right?<\/p>\n<p><strong>Dennis:<\/strong> Oh, no doubt about it. Being in the ministry, we\u2019ve gotten a couple of short paychecks over the past 42 years. That gets your attention. I wish I\u2019d had time, early in our marriage, with our guests that are with us on <em>FamilyLife Today<\/em>. Steve and Annette Economides join us on <em>FamilyLife Today<\/em> and, also, Crystal Paine. Welcome to the broadcast.<\/p>\n<p><strong>Steve:<\/strong> It\u2019s great to be here.<\/p>\n<p><strong>Annette:<\/strong> Well, it\u2019s great to be here.<\/p>\n<p><strong>Crystal:<\/strong> Thank so much for having us.<\/p>\n<p><strong>Dennis:<\/strong> Steve and Annette have been married since 1982. They have five children. I love this title that you\u2019ve\u2014I assume you\u2019ve given yourselves. I hope somebody else didn\u2019t give this to you\u2014America\u2019s Cheapest Family.<\/p>\n<p><strong>Steve:<\/strong> Actually, Dennis, it was given to us by Charlie Gibson on <em>Good Morning America<\/em>, back in 2004. [Laughter]<\/p>\n<p><strong>Bob:<\/strong> I guess if ABC news says, \u201cYou\u2019re America\u2019s Cheapest Family,\u201d then, who is to argue with them; right?<\/p>\n<p><strong>Annette:<\/strong> Well, you know, at first, it was sort of\u2014we were like, \u201cIs that an insult, or is that a good thing?\u201d Then, we thought: \u201cYou know, if it means that we have an avenue to speak a platform about frugal living, and people are more open to it, we\u2019ll do it. We\u2019ll wear it.\u201d So, we did.<\/p>\n<p><strong>Dennis:<\/strong> And you\u2019ve written a book called <em>The MoneySmart Family<\/em><sup>\u2122<\/sup><em> System<\/em>, and we\u2019ll talk about that a little bit later.<\/p>\n<p>Crystal is the wife of Jesse, since 2003. They have three children. She has written a book called <em>The Money Saving Mom\u2019s Budget<\/em>. So, you do believe in budgets? We\u2019re going to hear more\u2014<\/p>\n<p><strong>Crystal:<\/strong> Yes, very much.<\/p>\n<p><strong>Dennis:<\/strong> \u2014we\u2019re going to hear a lot about that in a moment. And you\u2019re a blogger. You blog for <em>MomLife Today<\/em><em><sup>\u00ae<\/sup><\/em>, which is a part of FamilyLife; but you also have your own blog. Share with our listeners a little about that.<\/p>\n<p><strong>Crystal:<\/strong> Yes. My blog is MoneySavingMom.com. It grew out of a mommy blog that I had started when my husband was in law school, and we were living on a beans-and-rice budget, and trying to make it through law school without going into debt. So, I had this little mommy blog. One day, I said something about us buying all our groceries that week for $17.<\/p>\n<p>Apparently, not everybody else buys their groceries for $17 because a lot of people came out of the woodwork; and they said: \u201cOh my goodness! How on earth do you do that?\u201d So, from there, I did a series on that blog on supermarket savings. People kept asking questions. So, then, I turned that series into an e-book\u2014sold thousands of those. People kept asking questions. So, finally, in 2007, we launched MoneySavingMom.com.<\/p>\n<p><strong>Bob:<\/strong> Okay. Hang on; time-out. I\u2019ve just got to know\u2014on my 1-to-5 scale, with 1 being tight and 5 being extravagant\u2014\u201cWhere would you put yourself on that scale?\u201d<\/p>\n<p><strong>Crystal:<\/strong> My husband would put me at a 1.<\/p>\n<p><strong>Bob:<\/strong> Yes.<\/p>\n<p><strong>Crystal:<\/strong> I would say that, now that we have a little bit more wiggle-room in the budget, that I probably would be a 2\u2014maybe?\u2014[Laughter]<\/p>\n<p><strong>Dennis:<\/strong> It\u2019s hurting her to admit that. You can tell.<\/p>\n<p><strong>Crystal:<\/strong> \u2014unless I\u2019m buying something for someone else. Then, I tend to be less frugal.<\/p>\n<p><strong>Bob:<\/strong> You really are committed to frugality. Why?<\/p>\n<p><strong>Crystal:<\/strong> You know, the reason is\u2014is because we want to live simply so that others can simply live. For us, it\u2019s not about, \u201cLet\u2019s see how much money we can save for saving money\u2019s sake.\u201d It\u2019s about, \u201cWe want to be able to give generously, and we want to steward our money well. We want to use the resources that God has given us to bless as many people as possible.\u201d So, if we use our money wisely\u2014and we are strategic in how we budget, and we\u2019re careful with our money\u2014we are able to give generously to others.<\/p>\n<p><strong>Dennis:<\/strong> I like where you\u2019re starting. I really do. I like the idea of being focused on others and giving\u2014rather than consumers and: \u201cHow much we can save so we can go do\u2014we can spend the money on ourselves and enjoy ourselves.\u201d Where did that idea, of becoming a giving couple\u2014a giving family\u2014come from?<\/p>\n<p><strong>Crystal:<\/strong> You know, really, my parents modeled financial stewardship before me. I remember, as a young girl\u2014when I was about six years old\u2014we paid off our house. Then, we saved and we lived frugally so then we could pay cash for a house.<\/p>\n<p>Seeing my parents go through all that\u2014seeing the sacrifices that they made\u2014it was\u2014it really, really, had an impact on me; but it wasn\u2019t so that they could just buy nice stuff or it wasn\u2019t for just being for debt-free sake\u2014like this was some idol we had set up to be debt-free. It was so that they could give, and I saw that they were free to be able to give because they had stewarded their money well.<\/p>\n<p>So, watching that really, really, challenged and inspired me; and that was why my husband and I set out to go through law school, debt-free, was because of being inspired through my parents.<\/p>\n<p><strong>Bob:<\/strong> Growing up in that household\u2014where Mom and Dad are really saving money to try and get things paid off\u2014I\u2019m guessing there were a lot of things that other kids you knew were getting that you weren\u2019t getting. Wasn\u2019t there any kind of teenage push-back on \u201chow we\u2019re living as a family\u201d?<\/p>\n<p><strong>Crystal:<\/strong> Well, I was homeschooled. So, I guess that helped a little bit. But I remember that when I was about 12 years old, I started\u2014my parents had me start buying all of my own clothes. That was a really good thing because I learned frugality in a real-life situation. I remember that\u2014if I had $12\u2014if I took that $12 to Target<sup>\u00ae<\/sup>\u2014even off the clearance rack, maybe, I could get three items\u2014but if I went to the thrift store, on dollar days, I could get 12 items.<\/p>\n<p>I learned frugality, in real-life situations, from a young age, because my parents were encouraging me to have to buy my own things. I really appreciate that about them.<\/p>\n<p><strong>Dennis:<\/strong> What is your favorite story about your parents\u2019 giving? I mean, you undoubtedly had to see dozens of them, growing up.<\/p>\n<p><strong>Crystal:<\/strong> You know, there were a lot of things that\u2014I would find these thank-you notes from people\u2014that I was like, \u201cI never knew my parents did that.\u201d There were a lot of things that they did anonymously, and I am sure there are dozens of things that we never found out about that they did.<\/p>\n<p>We were able to open up our home and being able to\u2014I remember whenever someone was in need, we would be able to do something for them. There are a lot of stories, but I can\u2019t share them on the air because there are still anonymous\u2014but just some really cool things that we were able to do and to bless other people.<\/p>\n<p>I found, from a young age, there is <em>so much blessing<\/em> in giving and living a life poured- out for other people and letting God pour through you and being that empty vessel that He can pour through. There is so much fulfillment in living a life with outstretched arms.<\/p>\n<p><strong>Bob:<\/strong> Did Jesse know what he was getting into when he said, \u201cWill you marry me?\u201d I mean, did\u2014seriously\u2014did he know\u2014<\/p>\n<p><strong>Dennis:<\/strong> I wish they could see the grin on her face right now. Of course, he didn\u2019t!<\/p>\n<p><strong>Bob:<\/strong> Did he know he was getting a 1, who it hurt her to say, \u201cI\u2019m a 2, now\u201d?<\/p>\n<p><strong>Crystal:<\/strong> I think he had a pretty good idea because we met when we were nine and ten, and we were close friends. [Laughter] We got married when we were 20 and 21. So, I think he had a good idea of where I was coming from; but I remember when we first got married and we didn\u2019t have any money, and yet, he would want to go and buy name-brand stuff. I would be like, \u201cHoney, I can just get it for you at the thrift store.\u201d He\u2019s like, \u201cI don\u2019t wear thrift-store clothes.\u201d It was really good for me to realize that I can\u2019t force my husband into being someone that he is not; and I need to accept that we need to have some balance in our relationship.<\/p>\n<p><strong>Bob:<\/strong> How much did your wedding cost? Do you remember?<\/p>\n<p><strong>Crystal:<\/strong> Yes. We had four\u2014let\u2019s see. I know we did it for less than $5,000; and I think we had close to 400 people.<\/p>\n<p><strong>Bob:<\/strong> Did you get your dress at the thrift store?<\/p>\n<p><strong>Crystal:<\/strong> No, I wore my mom\u2019s dress.<\/p>\n<p><strong>Bob:<\/strong> Okay, that helps. [Laughter]<\/p>\n<p><strong>Dennis:<\/strong> Did you charge people to come to your wedding? [Laughter]<\/p>\n<p><strong>Crystal:<\/strong> No! [Laughter]<\/p>\n<p><strong>Bob:<\/strong> Thought about it. She thought about it.<\/p>\n<p><strong>Dennis:<\/strong> I want to go back to that first year in law school. Jesse was going through\u2014you had a goal of getting through law school, debt-free. Now, that\u2019s a lofty goal. How in the world\u2014first of all, did you do it?<\/p>\n<p><strong>Crystal:<\/strong> Yes, we did it by the grace of God.<\/p>\n<p><strong>Dennis:<\/strong> Okay. How?<\/p>\n<p><strong>Crystal:<\/strong> Well, my husband\u2014when he was 12 years old, his mom died\u2014and she left him a small amount of money. His dad was really wise, and he invested that money. So, by the time we got married, he had money set aside\u2014with money that he had saved through having a business and through doing some other things, and living at home some of his college years, and working all during his college years.<\/p>\n<p>So, we had money set aside to pay for college; and he went to an in-state school, which is a lot cheaper. He got a scholarship. So, we had that taken care of; and we couldn\u2019t touch that money that was in the bank. It was just, then, figuring out how to live on $500, or $1,000, or whatever we had that month that came in. Some people are like, \u201cWell, how on earth did you\u2026.?\u201d They assume college costs $150,000 or something. When you go in-state, it\u2019s not as expensive.<\/p>\n<p><strong>Dennis:<\/strong> Well, I\u2019m thinking about $17 a week for groceries. Did you say beans and rice? Is that what you said?<\/p>\n<p><strong>Bob:<\/strong> I\u2019m hearing macaroni and cheese\u2014<em>a lot<\/em> of macaroni and cheese with that one.<\/p>\n<p><strong>Dennis:<\/strong> A lot of thin soups.<\/p>\n<p><strong>Bob:<\/strong> Ramen; Ramen. Was this a whole Ramen week for you?<\/p>\n<p><strong>Crystal:<\/strong> I\u2019ve only eaten Ramen once in my life, and I didn\u2019t like it. So, it was not Ramen; but we did not eat hardly any beef for two years. We would buy one bag of chicken, and we would make it last for two weeks. That\u2019s what we did. You knew it was a short-term sacrifice for a long-term goal, and it was worth it. It wasn\u2019t always wonderful, and it was hard. There were times when we thought: \u201cYou know, this just really stinks! This is not fun at all.\u201d But it was worth it.<\/p>\n<p><strong>Dennis:<\/strong> You did sacrifice so your husband could go to law school. Why is sacrifice so important, as you approach the subject of money?<\/p>\n<p><strong>Crystal:<\/strong> If you don\u2019t make sacrifices\u2014if you\u2019re <em>not willing<\/em> to make sacrifices\u2014you\u2019re not going to probably reap the benefits. Sacrifice is important because if you can\u2019t\u2014like I talked about\u2014you have to make short-term sacrifices for long-term benefits. That\u2019s in all areas of our lives. Sacrifice will help you to achieve those results, and you will reap the fruit; but it is hard!<\/p>\n<p>I remember those times, when he was in law school, and we didn\u2019t have $2 to spare in our budget. We couldn\u2019t buy anything! I remember, when I got pregnant, I couldn\u2019t buy maternity clothes because I didn\u2019t have any money to even go to the thrift store. We just prayed, and a friend of mine sent a box of maternity clothes. You know, God <em>always<\/em> provided; but that didn\u2019t mean that there weren\u2019t times when it was really hard. We had to just get on our faces, and cry, and say, \u201cGod, we have to trust you to provide this for us.\u201d<\/p>\n<p><strong>Dennis:<\/strong> You guys are coming up on your tenth anniversary. Let\u2019s say I seated a young couple, across the table from you, who are just starting out their marriage together. What are the best two or three pieces of advice you could give this young couple, as they begin their marriage and family?<\/p>\n<p><strong>Crystal:<\/strong> I think it is so important that you are on the same page. You need to sit down; you need to talk about your goals\u2014you need to talk about where you want to be in a year from now, and five years from now, and ten years from now. You need to get on the same page, financially, and with your goals. Then, second of all, you need to have a budget. I know a lot of people\u2014they feel like: \u201cOh! A budget is so restrictive. That\u2019s just this ball and chain, and we can\u2019t do that because I like to spend money.\u201d<\/p>\n<p>Well, the thing that we have found is that a budget gives you freedom because you have these boundaries to work within. So, I don\u2019t have to worry when I go to the store with my grocery-envelope cash. I don\u2019t have to worry that I\u2019m not going to be able to pay for the light bill, or I\u2019m not going to be able to afford gas. We budget for everything. Now, that we have more wiggle room in our budget, we budget for eating out. We budget for\u2014we even have a blow category. It\u2019s not like it\u2019s this, you know, \u201cLet\u2019s be as tight as we possibly can be;\u201d but it\u2019s, \u201cLet\u2019s choose where we\u2019re going to put our money so we have some leftover so that we can invest it in things that we are passionate about and are important to us.\u201d<\/p>\n<p><strong>Dennis:<\/strong> I hear a very purposeful, intentional approach, as a couple, to how you approach money.<\/p>\n<p><strong>Bob:<\/strong> Here is what I\u2019m hearing. I\u2019m thinking to myself, \u201cIf I was married to Crystal, there would be some night that I would go, \u2018I\u2019m so sick of this deal. I just\u2019\u201d\u2014<\/p>\n<p><strong>Dennis:<\/strong> \u201cI\u2019m breaking out of the penitentiary.\u201d<\/p>\n<p><strong>Bob:<\/strong> \u2014\u201cI just want to go get some ice cream, and I <em>don\u2019t care<\/em> that it\u2019s not in the budget!\u201d<\/p>\n<p><strong>Dennis:<\/strong> Okay, to that point\u2014<\/p>\n<p><strong>Bob:<\/strong> \u201cI want ice cream!\u201d<\/p>\n<p><strong>Dennis:<\/strong> \u2014on the 1-to-5 point scale, where are you?\u2014if 1 is frugal\u2014almost airtight\u2014<\/p>\n<p><strong>Bob:<\/strong> Yes?<\/p>\n<p><strong>Dennis:<\/strong> \u2014and 5 is extravagant? Where are you and where is Mary Ann?<\/p>\n<p><strong>Bob:<\/strong> I would be near the 4, kind of where you are. Mary Ann would be a little further toward the 2 than where I am. She would be just a little more\u2014here\u2019s what we find. I\u2019m the kind of person who goes out and says, \u201cLet\u2019s get three of these so that we\u2019ve got an extra one.\u201d<\/p>\n<p><strong>Dennis:<\/strong> No. Now, we\u2019ve got to tell the story, Bob, of the straws.<\/p>\n<p><strong>Bob:<\/strong> Okay; alright.<\/p>\n<p><strong>Dennis:<\/strong> Crystal, you\u2019re going to love this story!<\/p>\n<p><strong>Bob:<\/strong> Crystal is going to be on my side with this story, by the way. She is going to\u2014she\u2019s going to be on my side; okay?<\/p>\n<p>We were out of straws. I knew Mary Ann\u2014the next time she went to the Kroger<sup>\u00ae<\/sup>\u2014was going to get straws. You know how much straws cost at the Kroger?\u2014a box of 50\u201499 cents. I was at Sam\u2019s<sup>\u00ae<\/sup>. I found a box of 1,000 straws for $9.99. That\u2019s a penny a straw versus\u2014what?\u2014two cents a straw. I brought home the bargain\u2014<\/p>\n<p><strong>Dennis:<\/strong> Enough to last a lifetime.<\/p>\n<p><strong>Bob:<\/strong> \u2014a thousand straws. [Laughter] That was the right choice; wasn\u2019t it? Don\u2019t you think?<\/p>\n<p><strong>Crystal:<\/strong> Not if you use more straws because you have a whole bunch extra, though.<\/p>\n<p><strong>Bob:<\/strong> Well, that\u2019s a good point. I didn\u2019t think about that.<\/p>\n<p><strong>Dennis:<\/strong> Do you have any left today? That was two and a half decades ago.<\/p>\n<p><strong>Bob:<\/strong> We have finally gotten through the straws. [Laughter] We\u2019re all the way through them. Now, we just\u2014every time we go to Sonic<sup>\u00ae<\/sup>, and we get three or four straws\u2014then, we just take them home and use that number. We never buy straws anymore.<\/p>\n<p><strong>Crystal:<\/strong> I don\u2019t think you\u2019re supposed to tell that on air.<\/p>\n<p><strong>Bob:<\/strong> Okay. [Laughter] Don\u2019t tell the Sonic people that we\u2019re doing that. You might want to put that on your blog, though, because it\u2019s a great money-saver. Just say, \u201cCan I have an extra straw?\u201d and take it home and use it later.<\/p>\n<p><strong>Dennis:<\/strong> You know, I want to go back to law school and what you guys did during that time because you not only had the goal of getting through law school, debt-free, but you also had a goal\u2014didn\u2019t you?\u2014of saving and packing away some money, at the same time?<\/p>\n<p><strong>Crystal:<\/strong> When Jesse was in law school, our goal was to not go into debt, to tithe regularly\u2014that was something that was very important to us\u2014to tithe off the top\u2014and to save if we possibly could. Some months, it was only $5. There were some times when we couldn\u2019t hardly save anything; but we always felt like, \u201cYou know, you should always try to live on less than you make, even if that means it\u2019s only $3 less than you make.\u201d<\/p>\n<p><strong>Dennis:<\/strong> And for you\u2014credit, and credit cards, and debt\u2014how do you feel about that? I\u2019m looking at the top of your book: \u201cThis book will help you make dollars and sense of your life again!\u201d\u2014Dave Ramsey.<\/p>\n<p><strong>Bob:<\/strong> We know how he feels about credit cards.<\/p>\n<p><strong>Dennis:<\/strong> I can\u2019t imagine him endorsing this book unless you have a similar approach to credit cards.<\/p>\n<p><strong>Crystal:<\/strong> Yes, I\u2019ve actually never had a credit card in my entire life. So, my husband did have one when we first got married; and that was a point of contention. [Laughter] He said it was to build up credit.<\/p>\n<p><strong>Bob:<\/strong> Yes.<\/p>\n<p><strong>Crystal:<\/strong> You know, he did eventually cut it up. He realized that he spent more money when he had that credit card. For him, he really did spend more money. We even are big advocates of not using debit cards unless it\u2019s something that\u2019s like a set\u2014you know, a set bill or something\u2014that you\u2019re not going to be tempted to overspend because we\u2019ve found that when we swipe, we always spend more.<\/p>\n<p><strong>Bob:<\/strong> So, Amazon<sup>\u00ae<\/sup>\u2014what do you do with Amazon?<\/p>\n<p><strong>Crystal:<\/strong> You know, you can order online with cash. You can go buy a gift card at Kroger, actually; but you don\u2019t have to. I\u2019m not telling everybody that they have to go cut up their credit cards. I just encourage people: \u201cIf possible, try a cash-only challenge for three months. Make yourself do it, and see if you can do it,\u201d because I think you\u2019ll learn a lot about yourself in those three months.<\/p>\n<p>I think you\u2019ll discover, maybe, you spend a whole lot more than you realize you\u2019re spending on little things. No wonder your money is gone before the end of the month because it\u2019s just all flowing through your hands and you\u2019re not even realizing\u2014you\u2019re not accounting for it. So, I think it\u2019s very important that you know where your money is going. But if you like to swipe a card, and you can swipe responsibly, then, go swipe your card. I just won\u2019t be joining you. [Laughter]<\/p>\n<p><strong>Dennis:<\/strong> You, as I mentioned earlier, are a contributor to <em>MomLife Today<\/em>, which is a mommy blog that FamilyLife has. You\u2019re in touch with all kinds of people through your own blog. What are you seeing today in terms of trends of young families in their approach to handling money? Can you make a general observation of what you are seeing?<\/p>\n<p><strong>Crystal:<\/strong> You know, I\u2019m seeing that a lot of these younger families don\u2019t have money skills at all. They have not seen good money management, at all, in their growing-up years. So, a lot of them\u2014they\u2019ll write in, and they\u2019ll tell me\u2014they\u2019ll say, \u201cYou know, I didn\u2019t even know it was possible to save money,\u201d or, \u201cI never even <em>thought<\/em> of the idea of using cash or living on less than we make.\u201d You know, that was just not something that was ever exemplified for these young couples.<\/p>\n<p>So, but many of them, they\u2019re struggling because of the economy. So, they want to find ways to save money. That\u2019s why they are turning to the blogosphere, which now, there are thousands of wonderful resources out there, online, to help people save money.<\/p>\n<p><strong>Dennis:<\/strong> And if people don\u2019t have skills, then, they are going to get into trouble. I mean, there are a lot of young couples who end up getting married with all kinds of school debt. And from a credit card standpoint, they are in some really precarious waters; right?<\/p>\n<p><strong>Crystal:<\/strong> Yes. And I think that a lot of times people just assume that debt is inevitable when you go to college, and I would disagree. I think that it is very possible to get an education\u2014to get a college degree\u2014without going into debt.<\/p>\n<p><strong>Bob:<\/strong> I\u2019m thinking, \u201cCrystal for Secretary of the Treasury.\u201d What do you think? \u201cPut the budget together for the Congress today.\u201d<\/p>\n<p><strong>Dennis:<\/strong> Let\u2019s send her to Washington.<\/p>\n<p><strong>Bob:<\/strong> Yes. Could you fix things if we sent you up there?<\/p>\n<p><strong>Crystal:<\/strong> I don\u2019t know about that! [Laughter]<\/p>\n<p><strong>Dennis:<\/strong> You know, this might not be a bad idea to send all the members of Congress\u2014<\/p>\n<p><strong>Bob:<\/strong> All of Congress\u2014<em>The Money Saving Mom\u2019s Budget<\/em>.<\/p>\n<p><strong>Dennis:<\/strong> \u2014<em>The Money Saving Mom\u2019s Budget<\/em>\u2014because, here, it says, <em>Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year<\/em>.<\/p>\n<p><strong>Bob:<\/strong> That\u2019s a platform you can run on, right there, I think.<\/p>\n<p><strong>Dennis:<\/strong> I think it is. Crystal, I really appreciate you writing this book; and I appreciate your ministry on <em>MomLife Today<\/em> and your blog. We\u2019re just glad you joined us on <em>FamilyLife Today<\/em>.<\/p>\n<p><strong>Bob:<\/strong> Well, and I\u2019ve been watching the Economides as we\u2019ve been talking to Crystal; and they\u2019ve just been nodding their heads and agreeing with what she\u2019s been saying. And we\u2019re going to continue our conversation and hear more from them this week.<\/p>\n<p>We have copies of Crystal Paine\u2019s book, <em>The Money Saving Mom\u2019s Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year.<\/em> We\u2019ve got copies of the book in our <em>FamilyLife Today<\/em> Resource Center. Also, copies of the book that Steve and Annette Economides have written called <em>The MoneySmart Family System: Teaching Financial Independence to Children of Every Age<\/em>.<\/p>\n<p>If this is an area in your marriage\u2014in your family\u2014that needs attention, go to FamilyLifeToday.com and find out more about the books that are available from Crystal Paine and Steve and Annette Economides. Again, our website is FamilyLifeToday.com; or you can call 1-800-FL-TODAY if you have questions about either book or if you\u2019d like to order by phone. Again, the toll-free number is 1-800-FL-TODAY; or go, online, at FamilyLifeToday.com.<\/p>\n<p>You know, we think about getting our financial house in order. What about getting our house in order; especially, during this time of year when things can get a little crazy? We had a conversation, a while back, with Kay Wills Wyma, who is the author of a book called <em>Cleaning House<\/em>. And really, the subject of her book was all about how we teach responsibility to children by getting them involved in household management. It\u2019s a great book, and it was a great conversation. This may be the time of year for you to begin laying out a strategy for fall\u2014to bring a little order out of the chaos that has begun to dominate your home.<\/p>\n<p>When you make a donation to <em>FamilyLife Today<\/em> this week\u2014we\u2019d like to say, \u201cThank you,\u201d by sending you a CD of our conversation with Kay Wyma about how we cultivate a sense of responsibility in our children and get them pitching in to be involved around the house. Go to FamilyLifeToday.com. Click the button that says, \u201cI CARE\u201d, so you can make an online donation this week. Or call 1-800-FL-TODAY. Make a donation over the phone; ask for the CD called <em>Cleaning House<\/em> when you get in touch with us. And let me just say: \u201cThank you for joining with us in supporting the ministry of <em>FamilyLife Today<\/em>. We appreciate you.\u201d<\/p>\n<p>Tomorrow, we\u2019re going to talk more about your money, your family finances, and how you can get a handle on your budget. I hope you can join us back for that.<\/p>\n<p>I want to thank our engineer today, Keith Lynch, and our entire broadcast production team. On behalf of our host, Dennis Rainey, I\u2019m Bob Lepine. We will see you back next time for another edition of <em>FamilyLife Today<\/em>.<\/p>\n<p><em>FamilyLife Today<\/em> is a production of FamilyLife of Little Rock, Arkansas. Help for today. Hope for tomorrow.<\/p>\n<p>We are so happy to provide these transcripts to you. However, there is a cost to produce them for our website. If you\u2019ve benefited from the broadcast transcripts, would you consider <a href=\"http:\/\/wp-stage.familylife.com\/www\/donate\">donating today<\/a> to help defray the costs?<\/p>\n<p>Copyright <sup>\u00a9<\/sup> 2013 FamilyLife. All rights reserved.<\/p>\n<p><a href=\"http:\/\/wp-stage.familylife.com\/www\/\">www.FamilyLife.com<\/a><\/p>\n<p>1<\/p>\n","theme_header_position":"Sticky","post_header_is_sticky":"default","is_header_overlay":"0"},"_links":{"self":[{"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/podcast\/302787","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/podcast"}],"about":[{"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/types\/podcast"}],"author":[{"embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/users\/91"}],"replies":[{"embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/comments?post=302787"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/media\/294104"}],"wp:attachment":[{"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/media?parent=302787"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/categories?post=302787"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/tags?post=302787"},{"taxonomy":"podcast_series","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/podcast_series?post=302787"},{"taxonomy":"cwp_profile","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/cwp_profile?post=302787"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/series?post=302787"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}