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How a Family of Six Keeps Healthcare Costs Low


***Disclaimer: We are not medical doctors and are simply sharing our opinions here and what has worked well for us.  Consult your doctor before changing your health care plan or the way you manage your health.

Four years ago, in our quest to cut expenses,  we changed to a higher deductible health insurance option with lower premiums.  We realized this was a bit risky with 4 kids, so in order to ward off some of this risk, we’ve put some practices in place to help minimize our need for medical care.  We’ve found that by optimizing our health, we rarely go to the doctor now, and have saved several hundred dollars, at least, in our healthcare spending each year.  And it’s working. In fact, in 2016 we only spent $139.55 out of pocket for medical expenses not including our monthly premium, even on our high deductible plan. We’re no longer those people that the doctor’s office knows so well. We show up every year or two for our annual physicals, and that’s about it. Here’s some of what we’re doing to keep healthcare costs low. : Read more

30 Great Gift Ideas for Dad

One of our most popular posts, I’m republishing this with updates. Something for every dad on your list here!

With Father’s Day just around the corner, we thought we’d share some great gift ideas for those who want to pick up a little (or big) something for dad or hubby on Father’s day. Surely there’s something for everyone on this list. From the fun to the simple to the extraordinary, pick a gift and spoil your dad or husband a bit this Father’s Day.

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9 Pieces of Financial Advice for High School Graduates

It’s that time of the year when graduation caps will be flung in the air and high school seniors everywhere will be reflecting on their lives as children and anticipating what they’ll do with life as a legal adult. Some will be heading off to college to tech school, while others will immerse themselves into the working world, eager to start funding their hopes and dreams. Read more

Is Life Insurance a Need or a Want?

This article was sponsored by SelectQuote, but all thoughts and opinions are my own.

When we started working to pay off our consumer debt, we began by going through every single line item in our budget. The goal was to determine which expenses were truly value expenses in our life, and which were merely temporary, feel-good expenses that were hindering our ability to become debt free.  Read more

We Feed Our Family of Six on $450 a Month and They Aren’t Deprived OR Starving!

One of the biggest expenses families have is the cost of feeding them. There are many articles on the Net about “starving” families that are forced to spend a “measly” $12 to feed their families at the local fast food joint in order to survive, thereby affecting their health.

When we started cutting costs in 2013 in order to pay off our debt, we started with our grocery budget. By continually tweaking our techniques, we’ve learned how to feed our family on less than half of what the average family spends.

Friends, I’m going to share today how we feed our family of six on about $450 a month and they eat well and have full tummies. Read more

27 Ways to Save Money Right Now


So, you’re getting tired of the rat race and the paycheck-to-paycheck living cycle, aren’t you. I can tell by that look on your face. You’re tired, worn down, and you don’t want to live life that way anymore.

I’ve been there. Some days I’m still there. But one thing that’s changed is that we’ve now got a plan in place that will help us end up in a financial place where we have enough FU money that we can blow off hubby’s 9-to-5 job and do what we want to do instead of what we have to do. Read more

Super Easy Fudge Recipe

Greetings, Frugal Farmer friends!!  SO, since Christmas is right around the corner, I thought I’d take a few posts this month and share some of the Christmas baking recipes we use in our house, starting with this super easy fudge recipe.  By making delicious fudge and candies at home, you can save big bucks off of expensive store prices, and avoid preservatives and other chemicals as well. Read more

Before and After: Mr. CBB’s Spinach and Ricotta Fettucine

Welcome to the second post of our new series, Before and After!  You can read our first post by going to the Frugal Food page.  Today, in honor of my friend Mr. CBB, we’re tackling a vegetarian dish.  This dish from Mr. CBB over at Canadian Budget Binder, has fast become a family favorite around here.  Never in my life did I think I’d see the day when the kids begged for a dish that included spinach, but thanks to Mr. CBB, they do!
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