A Frugal Woman Ink Slingers Mary S. Proverbs 31 Catholic Woman Series

Ode to Feminine Genius: A Frugal Woman

This is the third installment in the series of Ode to Feminine Genius: Proverbs 31 Catholic Woman.

Today’s topic will cover a Frugal Woman.

Proverbs 31 Catholic Woman - Frugal
Blessed Mother Teresa is the patron saint for the Frugal Woman

old bread muffin

A Frugal woman. Sounds kinda boring, doesn’t it? Like that woman wearing an ill-fitting jeans jumper that looks like it’s from 30 years ago, buying only day-old bread, never getting anything nice or new, and spouting off about how everyone should grow and grind their own flour, like her. Um yeah, I really don’t want to be that lady. The good news is that being frugal doesn’t have to look like that at all. Frugality just means making wise use of the gifts God has given us, whether it’s our talents and skills, our monetary income, our time and effort, or the material items we own. It means not wasting or throwing away those gifts. So, how does that look in everyday life?? Well, I’ll tell you about one major way my husband and I try to be frugal, then I’ll go through several different points to think about in considering how best to become more frugal in your own life.

Money can be a difficult topic in any marriage. I’ve heard that financial difficulties or disagreements are responsible for a large percentage of divorces and any married couple can tell you it’s the source of many arguments. As much as we should perhaps want to “rise above” such mundane and materialistic concerns, it can be difficult to avoid hearing your spouse criticize your spending habits and not take it personally. My husband and I have had our share of disagreements, usually rising from a difference in how our parents handled money and how we were raised to think of money, or even just our personalities – a matter of us doing things differently from each other, rather than one of us doing anything wrong. We’ve managed to work out a system that has been working fairly well for us with ideas originating from a variety of sources.

budget envelopes For a few years now we have roughly followed the advice of Dave Ramsey. The biggest change for us was going to a cash budget and planning where all of our money is going to go each month before we spend any of it. I’m better at making plans and organizing the details, so I work out the budget in a spreadsheet I created and figure out what bills we’ll need to pay and how much money goes in which envelope for the month. My husband is better at making sure those planned details actually happen, so he’s the one who sits down and writes the checks for the bills and makes sure each one gets paid. It amazed me at first, just how easy it was to stay on budget, simply because I had to actually pull out cash for whatever I wanted to buy! From one month to the next, we went from spending more than my husband’s paycheck, to being able to save money each month! I was afraid we’d feel so deprived, or that it would actually start more arguments, since we were really making an effort to save up some money in a “rainy day fund”, but that wasn’t the case at all. We try to touch base about the budget monthly or when there is a major expense that comes up and I think that heads off any arguments because we deal with differences or problems before they get big and emotional. Of course, we have had to make many adjustments as our family changed, our needs and wants changed, and my husband’s job changed. And it’s taken time to figure out the best separation of roles and what we each are best at. Nowadays, the changes are more minor since we’ve gotten the bigger aspects of our system worked out. In fact, the biggest change I have planned is to sew a cash envelope wallet (like in the tutorial here), to replace our ratty and wrinkled paper envelopes that tend to get misplaced or ripped.

Frugality is a difficult thing. Budgeting and money management is part of it, but clearly not the whole. The monthly duties of planning the budget and paying bills can be easy compared to the myriad daily choices we make that comprise a frugal way of life. It means a daily commitment to using the gifts we’ve been given wisely, deciding as a couple (for married folks) how best to use what we have, and to trusting that God will provide what we need as long as we do our part and follow His will. That looks different for each family, and certainly is a balancing act trying to figure out what works best. And as with most things, we can always do better. That can be discouraging at times, but I prefer to think of it as the “glass half full,” because when I’m disappointed because I made a poor or wasteful choice, I know there’s room for improvement next time. So here’s what I look at in attempting to be more frugal:

1. Budget

  • plan your budget: do what works for you. A spreadsheet plan and cash in envelopes has worked great for us, but another system might work better for your family.
  • stick to it, but
  • change it when needed: especially at first, towards the end of the month I would take money from envelopes that still had any to fill needs in other categories. When I frequently find myself short in one envelope and with extra in another, I change the budget for the next month.

2. Plan

  • Meal planning helps avoid wasted food, planning several errands for the same trip save time and gas, planning ahead for clothing needs enables you to take advantage of the best sales.
  • Even in small things, planning can help: knowing you have enough milk or eggs for tomorrow’s breakfast means avoiding a last minute shopping trip or a stressful change of menu in the morning.

3. Discuss with your spouse

  • this isn’t a one-off thing, you really need to keep checking in to make sure you’re both on the same page
  • look at each of your strengths and weaknesses to decide how best to divide the responsibilities, whether it’s budgeting and bill-paying, shopping and cooking, childcare, or anything.
  • if things change, discuss with your spouse again.
  • If things don’t change, discuss with your spouse again (I know, broken record, right?!?! Seriously, planning and talking about your plan together really is the best advice I could give any married couple!!)

4. Consider the smaller “daily” stuff

  • Consider whether clipping coupons is for you. Have you checked out discount or second-hand stores in your area? Even if there are some things you really want to buy brand new, I’m frequently amazed at the quality of some items I find at my favorite thrift stores!
  • something is broken?? Rather than tossing it, take a moment to see if it can be fixed, re purposed, or recycled
  • Even having “grungy” clothes set aside for when you paint or do other messy stuff (or having separate play and school/church clothes for your kids) is also a way to be frugal, because it saves your nicer (and usually more expensive!) clothes from getting stained, torn, or otherwise ruined.
  • Learn to do some things yourself: cooking from scratch, buying large cuts of meat and cutting/packaging them yourself, sewing, gardening, all these skills are great for making better use of the resources you have
  • share skills with others: my MOMS club enjoys doing some play dates where we learn new skills and share what we know with each other, and we’ve also worked out trades and barters for some skills – mending a friend’s pants once got me a couple jars of her delicious strawberry jam!! You might be surprised what some of your friends could teach you to do, or could barter with you for something you can do.

5. Pray

  • Okay, this really should be the very first step! Because the first step is discerning how and where you need to make better use of your gifts, and that means prayerfully considering your lifestyle.

Clearly, this is just a start. There are so many different personalities, needs and family situations that there’s no way I could address every need. There are so many websites and resources on how to save money, and make better use of what you have, that this post is really more an encouragement and a few ideas for you to consider your own situation. So put away the thought of a cranky, styleless, penny-pinching lady, and consider how you can joyfully be frugal with what you’ve been given. I’ll be there with you, singing while I mend my kiddos’ torn clothes!

So, what are some tips that YOU can add to this list? In what ways do you live frugally and how does it help your family?

::DISCLAIMER: Recognizing that each family, marriage, woman is different, this series is intended to give advice and information based on the writer’s personal experience. These are not intended to say that our way is best and that we know what’s best for your family, but rather the point is to share some things that have worked for us. We welcome your ideas in the comments and/or look forward to seeing your posts that highlight things that work in your home. We’re all in this together!::

Anima Christi Faith Formation Ink Slingers Mary S. Prayer Series Spiritual Growth

Line-by-Line prayer reflection: Anima Christi, Part 1

This is the first of a series of posts reflecting line-by-line on the Anima Christi.


When I first thought about taking part in this series, I was a little nervous. The Anima Christi? I know I’ve heard of it before, but I really don’t know the prayer, and I’m pretty sure I haven’t even read the whole thing through before now! (that’s mildly embarrassing for a cradle Catholic with 12 years of Catholic schooling to admit, but there it is.) So I decided to begin by looking at the prayer as a whole before focusing on one line of it.

The origins of the Anima Christi are somewhat unknown. While there have been those who believed it was written by Pope John XXII or Saint Ignatius Loyola (he included it in his “spiritual exercises”), it appears it was in use before either of those men. There are even some scholars who believe it was authored by St. Patrick in 5th century Ireland. We don’t know for certain who first wrote the prayer, but we know it has been in use since at least the 14th century, especially as a prayer after receiving Holy Eucharist. The words lend themselves to reflecting on the gift Christ gives us in the Eucharist, the gift of his very self, Body, Blood, Soul and Divinity. I know that I, for one, plan to start using this in my own post-Eucharist prayers. I looked last week, and found that it is in our Missal, so I don’t even have to memorize it or remember to write it out and bring it with me!


So, let’s begin our line-by-line reflection of this beautiful prayer, shall we? It starts with a bold petition: Soul of Christ, sanctify me. But what exactly are we asking? While I have an idea of what “sanctify” means, I love digging in and exploring the dictionary meanings of words when reflecting on a prayer. So a quick search found these definitions for sanctify:

1. to make holy; set apart as sacred; consecrate.

2. to purify or free from sin: Sanctify your hearts.

3. to impart religious sanction to; render legitimate or binding: to sanctify a vow. entitle to reverence or respect.

5. to make productive of or conducive to spiritual blessing.

I see three main themes or meanings here: to purify or make something holy; to sanction, legitimize, or make binding; and to set aside as deserving of respect or reverence. The first is how I usually think of the word. When I say “sanctify me” I usually think of asking to be purified or made holy, and while that can seem like a fairly patience memeinnocuous request, for some reaon I always think of how we purify some metals – with fire! We melt and burn out imperfections and impurities, and oftentimes that is how God purifies us for his purposes, too. It can be a painful process, but hopefully it renders us more perfect tools for God’s hand. The other day I saw a meme on Facebook that made me laugh, but also reminded me of one aspect where Got frequently seems to be working on purifying my heart – patience. I struggle with having patience in many situations, and it so often seems that when I pray for more patience, I am suddenly given even more moments that try my patience! Virtues take practice, and while opportunities to practice patience are sometimes painful for me, each one helps purify me just a little bit.

The second general meaning – to sanction, legitimize, or make binding – is not one I usually think of when considering the word, but it makes sense. We are all God’s children, and are part of the New Testament Covenant, so we ask God to acknowledge us as his legitimate daughters and sons, to bind us a his children and subjects. Sanctifying us makes our relationship with God (and the Covenant of salvation) real, solid, binding and legitimate.

The third general meaning took me a bit by surprise. To set aside as deserving of respect or reverence? Wait, I’m asking to be made deserving of respect and reverence? Me? I have struggled throughout my life with depression (which has at times been a source of that painful purification I mentioned above), and with that has come the fact that it is extremely difficult for me to think of myself as deserving respect, let alone reverence! Yet, praying this line asks the very Soul of our Lord to come into me and entitle me to exactly that!

I’m constantly amazed, when I reflect on some of the prayers we may say every day, how we can just speed past these amazing, bold, incredible requests and statements! In these five little words, I’m asking Christ, who I have perhaps just physically welcomed into my body, to burn out my impurities and imperfections, to give me legitimacy and binding power as his daughter, and to entitle to me to respect and reverence! Whoa! And that’s just the beginning, folks. This prayer goes on, in a progression of requests, asking more and more of our God, all towards the end of making our will and actions and life more in line with His. Stay tuned next month as we continue our reflections on this beautiful prayer, and perhaps the next time you’re in Mass, praying after receiving our Lord in the Eucharist, you’ll join me in praying this beautiful prayer.

Faith Formation Feast Days Ink Slingers Mary Mary S. Motherhood Vocations

The Feast of the Annunciation

Today is the Feast of the Annunciation. Usually this is celebrated on March 25th, but since that landed in Holy Week this year, it was transferred to today. This feast is the celebration of the Angel Gabriel coming to Mary to announce to her that she would be the Mother of God Himself, and of Mary saying yes in the face of the unknown.

Ten fingers, Ten toes, and an Eternal Soul. All entrusted to my weak hands.

Being named Mary myself, Marian feasts have always caught my attention, and now that I have kids, I have even more to reflect on today. With both of my pregnancies, I knew it was likely I was pregnant when I took that first pregnancy test. Yet even though it was no surprise to see that little line, it still just blew me away to realize that there was this brand new tiny life inside of me. It’s a wonderful mixture of joy and fear, as you look forward to meeting and getting to know this little person, and also realize that this means there is a brand new soul that you are responsible for! You are not only responsible for their physical safety as they grow up and learn to ride bikes and do all sorts of heart-stoppingly dangerous activities, but for training them in the direction of Heaven – knowing that your actions as parent could have eternal consequences for them. Whoa.



But today I imagine, what if instead of being 20-something, married, and trying to get pregnant, I was a teenager, unmarried, and knew I had no chance of being pregnant because I was a virgin. I imagine that instead of going out to buy a pregnancy test and happily taking it knowing it will probably be positive, I was quietly reading in my home when all of a sudden an ANGEL appears out of nowhere in my room to announce my pregnancy. And I imagine that instead of knowing this tiny person is a mix of my husband and myself, that the child within me IS GOD. Um, wow. I think I might freak out a bit, to say the least! How lucky for all of us that Mary was poised enough to ask how it is possible and then simply trust and say,

“Behold the handmaid of the Lord; be it done to me according to thy word” (Luke 1:38)


So today I plan to reflect on Mary’s trust and faith. I constantly find myself worrying and freaking out about something in my life, when what I need to do is let go of the anxiety and stress, trust that God’s Will will be done, and do whatever I can actually do to help the situation. I can’t get my kids to Heaven all by myself. I need to place my worry for their physical, emotional and spiritual safety in the hands of Our Lord, while working steadfastly to keep them safe, happy and headed towards Heaven. What a joy that we have such a wonderful example, in Mary, of how to give up our own concern and anxiety and just say “Yes”.