Audio Book Review: The Money Saving Mom’s Budget

I recently had the privilege of reviewing an audio book by Crystal Paine, also known as Money Saving Mom. Crystal’s book is entitled The Money Saving Mom’s Budget.

I walked away from listening to this book pleasantly surprised by how much I enjoyed it. The reason being is that I’ve been a very longtime reader of MoneySavingMom.com, Crystal’s blog, (since 2008, I think) and wasn’t sure if I’d get much new information or insights in how to save or make money that I hadn’t already read about on her blog.

Again, I was pleasantly surprised by how much I enjoyed listening to the audio book, and I really did learn some new things. I also enjoyed re-listening to some of the methods that Crystal had shared in the past on her blog….I’m the type of girl that needs to hear things more than once for them to sink in. Sometimes I need to hear things 3 or 4 times or just hear them presented to me in a new way. That’s what The Money Saving Mom’s Budget audio book did for me. It showed me some new ways I can save my family money, but it also reiterated things I had read before but this time I was hearing them in a fresh way.

My favorite chapter has to be the chapter on DE-CLUTTERING! I feel like the Clutter Queen at times with 5 kids, a husband, and myself living in a space that’s under 930 square feet. Clutter abounds.

Seriously.

And just when I de-clutter a shelf or a counter, my children find new ways to fill that space with more clutter.

After listening to the chapter on clutter, I was encouraged to get rid of some of the clutter in our home and stay away from the stores that cause us to fill our home with clutter in the first place. This has definitely, without a doubt, saved us money as well.

When we aren’t in the stores shopping, we aren’t tempted to buy things we don’t need. More importantly, our children aren’t tempted to ask us to buy them things they don’t need or will only give them joy for a day or two before it ends up left on the floor, unwanted.

Crystal also talks about giving up plastic, entirely, for at least a few months, and tracking your spending habits by only paying for your expenses with cash. By plastic, she means credit cards, of course.

This would be a challenge for Ruben and I to implement, because we like using our credits cards to pay for things and then pay off our credit cards in full when they come due. We enjoy the rewards programs that our credit cards offer, and we like earning gift cards by using our credit cards to purchase gas, food, and other things we’d purchase anyway.

I also like the security I feel when I use my credit card. I like knowing that I can use a secure online account number with my Discover card when I make a purchase online.

Crystal did make a great case for using your bank account to buy online, and she offered up new information I didn’t know about, say if someone used your bank account fraudulently, you wouldn’t potentially be out thousands of dollars. You would only be out $50 if it is found that your bank account was indeed used maliciously.

That being said, I would LOVE to try going cash-only for a few months to see how that would influence our purchases. I’m sure it would be eye-opening!

Do I recommend this audio book?

All in all, I completely recommend The Money Saving Mom’s Budget audio book to everyone – newbie and non-newbie alike. Newbies will definitely get a lot out of this book, and non-newbie’s may be surprised to learn a few new tips, too.

Disclosure: I received a free copy of The Money Saving Mom’s Budget audio book. All opinions are mine. :-)

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2 Responses to “Audio Book Review: The Money Saving Mom’s Budget”

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  1. Shelly says:

    Sandra, very nice review. We do the cash only at our house. It took a little getting used to be we have found we do spend less money by using cash only. We do have one credit card and we only use it for online purchases. We also have a budgeted amount that we can spend on the card each month so that helps us limit our spending. I just don’t like the idea of using our bank debit card online. It is great that you pay off your credit cards every month in full. I would be curious if you do go cash only if you find you spend less. Do let us know your results if you give it a try.

    • Sandra says:

      Thanks, Shelly! I’m pretty sure, no, I’d say definitely sure, we’d spend less money if we used cash only. Using credit just feels so much ‘safer’ than using cash. But would we save money? Resounding, YES! :-)

      After we move, I think we will be trying going cash only, in not for everything, for most of our expenses….especially since our budget is going to be a lot tighter having just purchased a new home.

Thanks so much for stopping by The Sensible Mom! Your input is greatly appreciated.

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