
I've been wanting to do a blog post about adopting on a budget for a long time now, but haven't got a chance! We'll see how far the girls let me get......maybe it will be a two part series. :) Which means, of course that I'll write the first part and then for the next 6 months or so say "I really need to write that second part" and then I'll forget! I'm going to start our budget story back when we first got married, so bear with me.....I've been feeling I should share this....not so you can say "wow! what great budgeting!" but so that you can see how possible it is to get out of debt AND adopt with God's help and by giving up a few things that are not REALLY needs. And there are SO many ways to save money - the ways we saved money may not work for your family, but you may find a few ideas here that could help you think of ways your family can save money!
When Don and I met and married, he had a lot of college-related debt, a couple credit cards with balances on them, and a car payment. Total came to a little over $50,000. We talked and prayed a lot about budgeting, getting out of debt and our plans for the future. We decided that the best plan would be to get out of debt except for our house mortgage before we had children. And so we wrote up a rather strict budget. We sold his car (at a loss), and bought an older one we could pay cash for - in so doing, saving hundreds of dollars a year on insurance premiums since with a car not worth more than $1500 we only needed liability insurance, not comprehensive. We decided to be a one car family - I got a job with a close enough location and schedule to Don's that I could drop him at work in downtown Portland (no need to pay parking!) and drive two miles to my work, which had free parking! I got off 15 minutes before he did, so could be waiting outside his work when he came out. Besides saving a ton of money, it gave us the opportunity to spend much more time with each other than if we'd had seperate commutes. We looked carefully at each and every bill we had to see where we could cut out even a few dollars - by doing something as simple as paying car insurance twice a year instead of every month, we found we could save $12 per year, we were able to cut a chunk out of our electrical bill by unplugging things and turning lights out when we left the room, we checked email at work and at the library instead of paying for a home internet connection, we took quick showers to save water, we walked everywhere we could (to church, the grocery store, etc) to save money on gas. Not huge amounts of money, I know, but when you find say 10 or so ways to cut $12 per year, it does start to add up to a good size savings! We started by putting just the bare necessities on the budget and then added a $25 per month "entertainment/date" fund and $20 each spending money. Our food budget was $150 per month and our clothes budget $80 per
year. We both love a good challenge and sticking to our budget sure was one! We had fun. We discovered tons of free stuff we could do for dates - we went on lots of long walks together and talked! We never felt deprived in the slightest.
I worked for a chiropractor full time at the front desk, and doing insurance claims, and Don worked for an architecture firm. We lived on my income, and his income went completely towards paying off debt. It was fun watching our debt going down, down, down and in Sept, 2006, just 17 months after getting married we sent in the last check. Out of debt! That first paycheck Don got after paying off his education was such an amazing feeling for both of us. Just a month later, we started our adoption fund, and were thrilled to find we were expecting our first baby! God gave us 12 precious weeks with our first little one, Autumn Joy, growing inside me and then she went to live with Him on Nov 18th. Can't wait to hold that little one in Heaven someday! On Feb. 14, we found we were expecting our second little one, and in Oct our precious Abigail joined our family. I had quit my job at the chiropractor in January for various reasons, and started working part-time throughout my pregnancy with Aba at a Christian bookstore. I was still able to drop Don off at work and pick him up on the days I worked, and on the days I didn't work, he took public transportation, which was cheaper than paying parking. We stuck with our same, strict budget and put all the extra we made in savings. When Abigail arrived, I was officially a stay-at-home mama!
When Abigail was 11 months old, I started getting the 'baby bug' again. We had talked about having two children by birth before adopting (adoption had been on both our hearts for many years, but that is a different story) so as to get some parenting under our belt, but I felt a strange sense of urgency, like the Lord was saying "if you don't adopt now you are going to miss one of the children I have planned for you". We decided to go to an adoption orientation at All God's Children International, an adoption agency that had been recommended by one of the patients at the Chiropractor I worked for. We went to the orientation session in Sept 2008 and the next day left for a two week camping/road trip to the California Redwoods. On that trip we read Jan Beazley's
The Strength of Mercy and spent a lot of time praying together about God's plan for our family. When we got home, we celebrated Abigail's first birthday and signed a contract with AGCI to adopt from Ethiopia. We had in savings, just enough for the first big fee $10,000, but beyond that did not know how God planned to bring the money. All we knew was that He had a child already chosen to be part of our family and we needed to step out in faith to bring her home.
Our budget during those first few months of the adoption process was similar to what it had been during Abigail's first 11 months of life - we lived on Don's income, and had a little extra to put in savings every month. When we started the adoption process here is what our monthly budget looked like. Stop reading here, if you feel uncomfortable reading the nitty-gritty details of someones income and expendetures:
Don made $3358.33 gross pay per month. Just enough for us to qualify for the Ethopia adoption program to add a fourth member to our family. After deducting taxes, and $413.oo for Abigail's and my medical insurance every month, we had $2368.69 to work with in a month. Here is how we spent it:
Tithes and Offerings: $350-$400
Mortgage: $542.35 (we bought right before the prices skyrocketed....so thankful to have the smallest mortgage payment in Portland!)
Utilities, including cell phones (we got the most basic plan possible, and don't have a land line): $300 per month
Clothing: $10
Food (and other necessities like TP, cleaning supplies, laundry soap, diapers etc): $175 (went up from $150 when Abigail was born)
Life Insurance (paid annually to save monthly handling fee): $48
Car insurance (paid bi-annually to save monthly handling fee): $55
Gas for car and money put in savings for car emergencies: $150
Entertainment: $5
Incidental Expenses: $95
Spending Money: $20 x 2 = $40 per month
The rest, would go in savings and towards our adoption.
And then, in Feb, right after we submitted our dossier, Don was laid off from his job. Without income, AGCI could not let us move forward with our adoption. I felt like I was having another misscarriage, but this time, THIS time, it was just about money. Money was causing us to lose our baby......and there HAD to be something we could do about it. Collecting unemployment was out of the question, as USCIS would not approve a family collecting unemployment. Don started looking for work he could do from home and found a few families that needed drawings for remodel jobs. The owner of the little cloth diaper store where we bought Abigail's diapers randomly offered me a part-time job that would allow Abigail to come to work with me. We prayed. We cried. We met with AGCI and begged them to let us move forward on what little income we could come up with. And God said yes. Three months after Don was laid off, we were put on the waitlist to bring our daughter home.
Our income at that point fluctuated very much by what Don could find and bring in each month. Some months, he made $400 - some months $1000. He applied to many, many places and no doors opened for a full time job. We DID make enough to satisfy USCIS, but the average amount we actually had in hand (that we could count on to be there every month) to spend on bills was roughly $1200. To keep moving forward with our adoption, we had to carry Cobra insurance coverage and that with our mortgage, and utilities pretty much wiped out our income! Not only did we have bills to pay, we had an adoption to fund! We discovered that what we had thought was living on a super tight budget was actually quite comfortable living!
With Don working from home, we had some added expenses - to obtain and to be accessable to clients, we really needed to have internet at home. We needed more minutes on our cell phone plan. We cut our food/household expenses budget to $100 a month. We started hanging our laundry to dry instead of using the drier as much as possible. We prayed for God's provision.
I still don't know how God made the money add up. God blessed us so much and every single one of our bills was paid on time. We always had a little extra to give. Somehow, we ended our adoption with money in savings instead of being in debt.
For all of you out there looking to save money - whether you want to adopt, or whether you want to free up money to give to other families adopting, or to orphan/widow care, etc, or if you are in debt and want to get out of it, here are a few words of advice and some of the ways we have saved money.
The easiest way to save money, is to not spend it. Just don't. If you don't absolutely need something, don't buy it. Sounds simple, but it's harder than it sounds. Especially when whatever is on a really good sale!
Ideas along this line?
Don't spend money on anything to drink. Water is basically free and good for you. Sure it's cheaper to make coffee at home instead of buying it at Starbucks, but it's even cheaper not to drink it at all! And yes, you can stop drinking coffee or tea or soda. After the first 30 days you will hardly even miss it. I promise....we've done it!
Learn to cut hair (really, it's not that hard!)or just don't cut it at all - I cut Don's, and the girls and I don't cut ours at all.
Skip the makeup. Really - God made you to be beautiful without it.
Cloth diaper! You'll save a ton. I don't care what some people say about it costing the same as disposables. It doesn't (unless you don't wash your own and use a diaper service - in that case, it does cost the same). And it's totally not gross! We bought many of ours used, and have actually ended up diapering the girls for free by selling some of the diapers that didn't work for us for more than we paid for them - off-setting the price of the ones we kept. While you're at it, switch to cloth menstrual pads or if you're a tampon user, switch to a cup (Keeper or Lunette) - also not gross, although I was skeptical at first! If you're really brave, switch to family cloth - SO not gross! Feel free to email me if you have questions about any of this stuff - going into too much detail would mean this super long blog post is even super-longerer. :)
Don't eat out. At least, not often. When you do eat out - don't order drinks or appetizers, and go somewhere you can find a coupon for! If you can't find a coupon, go somewhere with decent sized portions so you can split. If you have kids already, check out which local restaurants have kids-eat-free options.
Clothes and shoes...when it comes to clothes, there are SO many ways to save money. One of the best, is to wear what you have until you wear it out. Host a clothing swap among your friends to get rid of what you don't like and get some new stuff for free. Shop at discount stores like Ross, or thrift stores and garage sales. I always keep a look out for clothes or shoes I can sell on Craigslist or Ebay. Here in Portland, we have a store called Next Adventure that sells hiking and camping gear, as well as athletic-type clothes and shoes. They take used gear for store credit, so when I shop at garage sales, I'm always looking for something cheap I can take there (ski gear, camping stuff, hiking boots) - I can usually get $10-$20 credit for every dollar I spend. Then if the girls or Don needs shoes, winter coats, etc. We have credit to buy them for a fraction of the cost of using cash. Whenever I buy clothes for the girls (at thrift stores, garage sales, etc) I pick up a few extra outfits I can sell on Ebay. The stuff I sell on Ebay (or Craigslist, or the consignment shop) pays for what we keep and gives us money to buy a brand new outfit every once in awhile (on clearance, of course!). In this way, I've been able to clothe them both for free! We also do hand-me-ups and hand-me-downs with close friends, which has been a huge blessing!
Barter! Use Craigslist to barter for things you need instead of buying! We needed our garden tilled, and since we don't have a tiller, it would have cost $50 to get it tilled. I posted on Craigslist that I had misc stuff to trade for rototilling and got it tilled for a pair of shoes that, while worth $100, I had paid only $10 fo at Goodwill. The guy who got them was thrilled at the deal and so was I! (We've gotten our garden tilled two years in a row by barter). I could have dug the garden instead of tilling it, but I know from experience that I'll get a better harvest by having it tilled.
Oh, and by the way - grow a garden!!! Glean, can, and freeze food for the winter! We've canned applesauce the last few years from apples we got for free from a friend's tree - another local farmer we made friends with sold us windfall apples for $0.10 lb last year.
Eat oatmeal for dinner. A lot. :) Did you know that polenta is very filling and you use one cup of polenta to 4-5 cups of water or broth and it makes a delicious, inexpensive meal for 3-4 with a little spaghetti sauce on top!
One of the most important pieces of advice I can give you, is that when you are budgeting, scrimping, saving, for your adoption or whatever....do not forget to GIVE. No matter how little you have, you will ALWAYS have enough to give. And it doesn't have to be money. When you find a good deal on canned tomatoes - pick up extra for the food bank. Give your time by volunteering at local shelters, outreaches or retirement centers. Offer to do child care for free for a friend at church so she can go on a date with her husband or just have a few hours to herself. When your garden is bountiful, and your shelves filled with canned applesauce, give some away to your friend who is adopting, or whose husband just got laid off. Support an adoption fundraiser - as much as I'd like to, we haven't had the money to buy other friend's adoption t-shirts + shipping, but we could support their adoption monetarily by sending the amount we knew they were making on one T-shirt (usually on a $25 t-shirt the family only gets about $15 towards their adoption - by sending them $15, you will help them just as much as if you'd spent $25!). Don't have the $15? Is there something sitting around your house or garage that you're not using? How 'bout that extra (fill in the blank) that's been sitting around for ages? Sell it on Craigslist! Have a fundraising garage sale and split the money with another adopting family.
Oh, and fundraising. We paid for much of our adoption by fundraising. We had good response from sending out support letters ( please don't ask your friends to sacrifice their hard earned money without first making some sacrifices yourself!) I was humbled and amazed by the generosity of our friends - I will be forever thankful for the extreme generosity we were the recipients of and the love and friendship that brought our daughter home, we put donation jars in local coffee shops, made stuff to sell, sold stuff on Craigslist and Ebay, and had multiple garage sales. When we sent out our support letter, we did ask for money, but also knowing many of our friends are as strapped financially as we were, we gave other suggestions - donate unwanted stuff to our garage sale for one! One dear friend went to her ladies Bible study group and each of them cleaned their garages and houses out, giving us TONS of great stuff for our garage sales. Whenever we would go pick up a donation of yard saleable stuff, we would sort through it and separate all the really good stuff to sell on Craigslist or Ebay. It was a lot of work, but then, isn't THIS worth all that work and more?

The only reason I share this in so much detail, is because I know how discouraging it can be when you want to adopt and financially it looks like it would never work. But friend, believe me - if God wants you to adopt, He WILL provide the money. HE owns the cattle on the hills....HE sees every sparrow that falls - every child without a family. He knows where your child is and how much money it will take to bring them home.
Money is so overated.
Awhile back I asked Abigail if she knew what money was for - she though for a minute and then said: "Sometimes we use it to buy stuff. But mostly, money is to give away." Very wise words for a three year old, and what I truly believe is the key to financial security. The key that is getting lost all too often in the materialistic society we live in.