I am a stay at home mom that was always a bit cheap, a sort of good saver, and a little frugal, but my husband taking over ownership of his company the same time as the economy crashing changed my world. Because he was the owner we went to no salary to be able to keep other employees. We had known it might come and had sunk as much money in the bank as we could and refinanced our home down to a very small manageable payment. We had a food storage, we had a savings and we had planted a garden over the summer and were able to use A LOT of what we had stored. But even being somewhat prepared, we still had to make many adjustments.
One thing I would suggest is to look into trading for things. My girls like to dance. I was able to start teaching some beginning classes that made it possible for them to keep dancing. I know at our studio they also trade for costume sewing and other things like that. Another thing to look into is many places give a big discount for paying for the whole year upfront. Last year we got a 10% discount off our dance lessons and this year I paid so early we got a 15% discount! We also talked to our piano teacher about doubling our kids up on lessons. One child takes one week, another child takes the next week to cut our piano lesson bill in half. Our teacher was so gracious and loves teaching so much that she just told me to keep coming and pay again if and when we could. There are really wonderful people in the world like that! I know she has also traded with some students, house cleaning for lessons.
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