Let’s face it, no one wants to count pennies – but, financially, that is where we all are today. The average American family is living pay check to pay check with very little, if anything, available in savings for emergencies, let alone that dream vacation. Needless to say, my husband and I decided last year that we were no longer going to settle for being an average family. We want to be an extraordinary family and live a financially stress-free life.

However, in order to achieve our dream of living financially stress-free, my husband and I knew that we had to seek advice and guidance from the best on where to start. We also had to work hard at making the most of what we had. Well, with our not-so-lucky luck, this past Thanksgiving holiday my husband got the call that he was being laid off, effective immediately. We had to act fast and we no longer had time to do all the much desired research we wanted to start making financial changes.

As fate would have it, the very next day after we received the life changing news, The Good Life for Less by Amy Allen Clark arrived at my door. The words that Clark shares involve giving your family great meals, good times and a happy home on a budget. Just by reading the introduction, I realized that it would have much that I could learn from and relate to. We knew we had to starting finding areas to reduce and/or eliminate spending, but we were struggling to figure out just where to start. This book was a huge help and provided a foundation of resources, knowledge and suggestions.

As a family of five on one income, we can’t survive without making some financial changes and start living financially healthy. But it isn’t just about saving money and reducing bills. It’s also about a healthy life style change – a way to make ends meet and at the same time, be happy, content, and appreciative of what we have. Being frugal isn’t about being cheap; it’s making the most of the little you have and teaching your kids some discipline for future families.

Clark provides some great practical examples and advice to get any family started on the path to saving money, cutting corners, and living a fruitfully frugal lifestyle. I recommend that everyone who desires to make the most of their money, regardless of how little or how much you have, check out her book. It is packed with different tips and tricks any family could use.

Have you sat down (either alone or with your spouse, if married) and taken a serious look at your family budget and where your money is going each month? Have you realized areas of problem spending and made some changes to get better control of where your money is going? Share some of your own tips on gaining a financially stress-free life in the comments below!

Disclosure: A complimentary copy of The Good Life for Less by Amy Allen Clark was received in order to facilitate this review. All thoughts and opinions are our own. Affiliate links used.

Photo: joiseyshowaa/Flickr

Guest post: Sandy Salle is a native of Zimbabwe and was born and raised in Southern Africa. She is the Chief Executive Officer of Hills of Africa travel and is passionate about using her first-hand knowledge of Africa to create the trip of a lifetime for her clients. Currently based state-side in North Carolina, she resides with her husband and two small children. Sandy travels home to Africa several times a year and believes that the next best thing to living in Africa is sharing it with others.

Like most work-at-home mothers, I wage a daily battle against the clock to get the kids dressed, emails sent, homework completed, proposals drafted, calls returned, and dinner cooked all within an impossible twenty-four hours.

Struggling to do it all, I began multitasking, but I found that, when I did everything at once, nothing was done well. This, in turn, led to guilt: I got to the soccer game late, I didn’t have time to distribute the invoices, and I was on conference calls the entire time my daughter and I were making cookies for her class. Wasn’t the whole reason I left the office to work at home so that I could spend more time with my kids? Yet, here we were together, and I was so distracted with everything that still had to be done, that I wasn’t present.

As the CEO of Hills of Africa travel, a premier provider of personalized, luxury safari vacations, I have big responsibilities at work. Clients depend on me to plan once-in-a-lifetime safari trips for them, and it’s hard to do that when I am scrambling to clean up the house during the few quiet hours my kids are at school. On the other hand, I don’t want to sacrifice time with my kids. They are only young once, and this time with them is precious. I want them to be experiencing their childhood with me instead of a nanny.

Exhausted, guilt ridden, and overwhelmed, I had to make a change. Here’s what I did . . .

Stopped Multitasking

My first step was to create a structured work schedule around the time my kids are at school, 6:30 a.m. to 3:30 p.m. During this time, 100% of my energies are focused on Hills of Africa—no more scheduling play dates or baking during conference calls. No matter where I am in my work at 3:30, I close up shop and refocus all my attention on my kids.

Eliminated Distractions

The old me would sit in front of the computer first thing in the morning and look through a few emails before jumping up to brew a pot of coffee or download a few songs to listen to while I worked. Each of these small tasks took time and broke my concentration. Now, before I even sit down at my desk, I have cup of coffee in hand, my favorite classical play-list on, and my personal phone line set to go straight to voice-mail, so that I can sit down for several hours of uninterrupted work. It’s amazing how much more I began to accomplish when I wasn’t jumping up to switch the laundry every couple of hours!

Became Present

Just being physically there with my kids was not enough. I had to be mentally and emotionally present for our time together to be meaningful. Now, when I’m with my family, I’m not just there, I’m present, listening, and interacting. I mentally free myself from distracting work obligations when I’m with the kids. At the end of the day, my kids crave my attention more than my home-cooked meal, and there’s no shame in occasionally ordering a pizza if it means that we get to eat and engage in conversation together as a family.

Let It Go

If that client call has yet to be made and those pots and pans still need to be washed when the kids arrive home, I forget about it. It can get done the next day. I’ve learned that supermom is an impossible notion, and I can’t do everything by myself. I now have my groceries delivered by Peapod and outside assistance with housekeeping. Anything that allows me to focus my work time completely on my job and my family time completely on my kids is a worthwhile expense.

Whether you’re a happy homemaker or you work at an outside job, chances are good that integrating fun and educational activities into your child’s day has become something of a thorn in your side. There’s no shame in admitting that it’s difficult to constantly invent new and exciting ways to entertain your kids. After all, they have a lot more stamina than you and it sometimes seems like “why” is the only word they know. But they are like little sponges sucking up information and you want to encourage them to pursue as much knowledge as possible while they’re primed for learning. So here are a few tricks to keep you going when it seems like you’ve exhausted every idea.

1. Try activities outside the house. For example, museums and zoos are a great place for kids to experience a new environment, and it can be a nice break for you. Let someone else do the teaching. Petting zoos offer interaction for your child while a natural history museum can spark their interest in dinosaurs, insects, or things that go bump in the night (overnight adventures!). And almost all types of museums offer activities for kids. You can also look into activities and outings offered at a local community center. A hike or picnic with other moms could help your children acclimate to other kids (as well as offer you a chance at some adult conversation). And guided hikes specifically catering to kids will often include education on indigenous animals and local flora and fauna.
2. Look for early learning classes. In addition to mommy and me type classes you may want to check out the YMCA or local community center for lessons in music and art, or physical activities like karate and swimming for all ages. Even at a young age, your child can begin to learn skills that will stay with them for the rest of their lives. And maybe you can squeeze in a little nap!
3. Check out the Internet. If arts and crafts is your thing, but your kids refuse to make one more macaroni painting, look for some other options online. There are a multitude of websites dedicated to activities that will work on both your child’s motor skills and expand their creativity. And most of them are easy enough even for parents who claim to lack a creative bone in their body.

Like many aspects of parenting, there is absolutely no reason you have to do it on your own. We all want to be super-mom, but who needs that kind of pressure? Don’t hesitate to take a helping hand. While you benefit from a much-needed break, your kids will enjoy avenues of learning that you may not have been able to provide on your own, and really, a well-rounded education is worth the effort.

Before moving back to the Sunshine State, I worked full-time while my husband served in the US Navy. I had dropped out of college to marry my husband and raise a family. Once my kids started school, I went back to work. It was a good job and I tried to advance, but was repeatedly denied a promotion because I didn’t have a little piece of paper that said I graduated.

It was frustrating because I knew I could do the job, considering I had filled in for the job on a few occasions when illness or emergencies struck.

It was a blow to my ego. And it angered me on several levels.

About a month before we moved back here, my husband generously transferred his Post 9/11 GI Bill to me, so that I could finish something I started 15 years ago. I tried to talk him out of it so he could better himself, but that was like talking to a brick wall. He wanted me to go and finish because he knew I wanted it so badly.

And so, as an adult, I returned to college.

The school I attend is a popular university with military and former military, and I attend a satellite campus in Orlando. I love it. I take one on-line and one on-campus class a week for 8 weeks, and because we have short terms, the classes are long and intense. Seems just about perfect.

And it is, when I am not busy being a full-time mother.

I wonder often if I am the only mother in the world who puts aside work so that I can better myself. There are times I deal with a large amount of guilt when I tell the kids I can’t give them attention because I am busy on a paper, reading, or homework. I know the goal is to get my degree so that I can get a better job and provide more for my family, but I wonder if I am not doing damage to my kids at times. I think many mothers who go back to school experience this, and suffer as much as I do, possibly worse.

I remember my own mother graduating from college when I was a kid. She wasn’t around much. One thing I want to do differently is to actually use my degree after graduation. My mother didn’t and I wonder why she wasted her time, ignoring my brother and I for those years (at least it seemed like it), if she wasn’t going to use the degree to justify the expense and time away from her children. Nothing changed after she graduated; we were still poor and she still worked a low-paying job. I can list, several times over, the things that her money could have been spent on. Food for us for school lunch is just one item on that list.

I don’t want my college completion making an impact on my children in a negative way. I try to counter my times of isolation for study with times spent at a theme park, walking 5K’s with them, or even at the community pool. My children need to know that the hard work I put in and that sacrificing some time with them is going to be worth it in the end. I don’t want them to resent me for my one selfish act, because I will better all of our lives when I’m done.

I believe I will be making Dean’s List after this term, and my goal is to maintain that throughout my college career. I want to inspire them to greatness now, before it’s too late, and they become the procrastinating sloth I was for many years. Part of doing this is proving to my family that you can do things for yourself, for the sake of your family, and still be there for them. I’m hell-bent on not letting them down. As their greatest teacher, I can only teach by example, so it has to be a good example. They will be better off for all the sacrifice on their parts. And that motivates me to do well far beyond anything else.

I want to be the “modern mami” who can do it all and have a thriving family. I just have to keep up the hard work. I hope to be an example to other mothers in the world who feel like they aren’t worth bettering themselves with education. I’m going to come out on the other side of this experience and show the women who have doubts that it can be done, and they will know it’s worth it in the end.

Is inspiration the word? Maybe. I prefer the term “setting a good example,” because sometimes, showing how it can be done is better than simple inspiration.