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January 1, 2013, at 6:00 am If you're new to BFS, please subscribe to my RSS feed. It shows me a vote of support and keeps me motivated to keep your attention. If you have any questions or comments for me, please contact me and I'll get back to you asap. Thanks for visiting!
Happy New Year!!!

We are sleeping in after staying up late watching movies, lol. Hope you had a great time ringing in the new year as well!!!
I hope everyone had a great 2012 and will have a fantastic 2013 too!
December 25, 2012, at 6:00 am
Merry Christmas!!!

Not sure if you noticed yet, but I reuse the same holiday pics every year, lol.:-)
Feel free to check out any posts you may have missed this year if you have a lot of free time after all the festivities, lol!
For all of my readers who celebrate differently,
Happy Holidays!
For all of my readers who don’t celebrate holidays, I hope you have a very awesome weekend!
December 24, 2012, at 6:00 am
Merry Christmas Eve!!!

I’ll check in later today with my Crystal Light Challenge Results. 
Feel free to check out any posts you may have missed this year if you have a lot of free time after all the festivities, lol!
For all of my readers who celebrate differently,
Happy Holidays!
For all of my readers who don’t celebrate holidays, I hope you have a very awesome weekend – take advantage of the empty entertainment venues!
November 26, 2012, at 6:00 am
Have you ever remembered something super cool and can’t believe you ever forgot about it? That happened to me last week…
A Christmas Tradition Forgotten
I was decorating our house for Christmas after Thanksgiving dinner last week, and I saw a stack of Christmas cards in one of the boxes. I have been keeping the ones we received for the last few years, but I couldn’t remember why. Then it struck me while I was looking through them…my mom and I used to make a Christmas tree out of received cards on the blank wall of my family’s house.
I always loved making that card tree because it wasn’t just about decorating. We also read through past cards. As a kid, I laughed at the funny ones and liked to pick out the ones that were the most colorful.
My Christmas Card Tree 2012
I started sorting through the stack of cards I had saved, and then (of course), I started opening them up and reading the little messages. I still laughed at the jokes like I did 20 years ago, but that wasn’t what had me swallowing a lump in my throat. Some of the cards were from friends and coworkers we no longer know. A few were from family we don’t keep up with. And a few of the cards were from my husband’s maternal grandparents…that’s the grandma that passed away a few years ago. Seeing her writing made me tear up and smile at the same time. I decided my card tree this year would be about colors and memories. Now it is my favorite decoration (and I have quite a few inside, lol).
 Sometimes the best traditions don’t have to cost anything but a bit of time…
Other Stemberger Holiday Traditions
Our new Christmas card tree is joining a few other traditions of our household:
- Every year I decorate since it isn’t my hubby’s cup of tea. Since I refuse to climb actual ladders, this means that the inside of our house screams “Christmas!!!” and our home’s exterior is very subdued…like a wreath, some little holiday garden decorations, and I’ve just added a few window posters of Santa with a bag of toys and a Reindeer. I haven’t tackled actual exteriror lights yet even though we have 2 strings on the little tree inside AND a fiber optic tree, lol.
- We purposefully have a small, fake, hand-me-down Christmas tree. I’ll put a picture below. It’s like 5 1/2 feet tall and is missing one of it’s legs (so I prop it up on that side with a stack of post-it notes instead), but I love it. It was from my parents and was the last tree I remember decorating with them regularly. There was a tree before it that actually had color-coded branches, but this one replaced it when it finally gave up, hahaha. My mom gave it to me when they upgraded to a larger, more modern one that is absolutely gorgeous and Mr. BFS and I got our first apartment. I don’t know if she knows how attached I was to it…one of the best gifts ever. Hubby’s aunt and uncle gave us a fabulous replacement a few years ago when they upgraded, but with their permission, I sold it instead since I really wanted to keep this one.
- I put a Santa’s hat on top of our tree instead of a star. It started in our first apartment in 2005 when we were broke, didn’t have a star, but did have a Santa’s hat in one of the hand-me-down boxes. We liked it so much, it stuck.
- I use a fitted sheet with a snowflake pattern as the tree skirt. Works great, was free, and now I think it’s just like the tree itself…it’s my thing…
- We put up a nativity scene every year, even when we had no room and had to put it on the floor, because hubby’s uncle made it. Gordon poured the casts and painted each piece so long ago that even he had forgotten (we reintroduced him to it this year, lol).
- For the last couple of years, Mr. BFS has cooked a complete Christmas dinner for our closest friends. It’s a blast.
- I’m now included in a tradition with a couple of our friends. Isabelle and Ivy have been friends since elementary school. Last year, one of my gifts was an ornament from Isabelle and the explanation that they had been exchanging ornaments as side gift forever. Now I was one of them.
Just having solid friends chokes me up, so this was a huge deal to me. It took me a while to pick out their ornaments this year but I have them already, lol.
- My mother-in-law gives us an ornament every year. This year it was one that symbolized our new house. I would reciprocate, but she says she already has too many ornaments, lol. Between her and Isabelle and Ivy, I will never, ever buy an ornament for our tree ever again, hehehe. I may have to get a second tree someday.
- We have spent the final weekend of the last 8 years at a 3-4 day boardgaming mini-conference called Lonestar. It’s just a fun time and we have been going since it started.
 Here are my two favorite trees ever. The fiber optic one on the left is just cool. The tree on the right is the one that I am never, ever giving up.
What traditions do you enjoy the most? Any cheap ones that make you really happy?
November 22, 2012, at 6:00 am

I’m busy eating. 
Hope you are having an awesome Thanksgiving too!!!
For my non-US readers, hope this random Thursday is going very well!
HAPPY THANKSGIVING!!!
And here is a poem credited to Mother Theresa or Dr. Kent Keith depending on where you look…
I just think it’s awesome since it kicks butt whether you are religious or not.
The meaning behind this poem is how I try to live my life. I fail miserably sometimes, but it’s my target…
“ANYWAY”
People are often unreasonable, illogical and self-centered;
Forgive them anyway.
If you are kind, people may accuse you of selfish, ulterior motives;
Be kind anyway.
If you are successful, you will win some false friends and some true enemies;
Succeed anyway.
If you are honest and frank, people may cheat you;
Be honest and frank anyway.
What you spend years building, someone could destroy overnight;
Build anyway
If you find serenity and happiness, they may be jealous;
Be happy anyway.
The good you do today, people will often forget tomorrow;
Do good anyway.
Give the world the best you have, and it may never be enough;
Give the world the best you’ve got anyway.
You see in the final analysis, it is between you and God;
It was never between you and them anyway.
October 31, 2012, at 6:00 am
The following is another guest post from my potluck friend, Mike Mitchell. In addition to dressing like a Dungeons & Dragons character for Halloween, Mitchell also blogs about beer over at mitchellsbeer.com. You can also check out his past Halloween guest post too at Budgeting in the Undead Stuff.
As the shadows lengthen on the ground and the warm green blush of summer fades into the wrinkled colors of autumn, it’s time to dust off your hockey mask and sharpen your machete: Halloween is on its way! And with it comes something even more frightening… the sticker prices on all the fun costume bits and pieces that you’d like to grab to help you get your scare on. And this year, the scare was in the air as I had to deal with an honest-to-gosh haunting!
But I’ll get back to that shortly.
Costumes Can be Costly
To make the financial matters worse, here in South Texas, October and November are also the time for the Texas Renaissance Festival. If you’ve never been to this, then you really are missing out – it’s the largest permanent Ren Faire in the US, with Tudor-style buildings, cobble stones, a permanent jousting arena, and more shops and pubs than you can fling a dragon at…
Although you don’t have to dress up for the Ren Faire, it’s more fun when you do. Particularly since the costume dress code is a bit lax. This is a big party, so in addition to historically accurate costumes and armor (I’ve seen several people in 100% authentic full plate mail), you’ll see fairies, barbarians, D&D fantasy LARPers (if you don’t know, don’t ask) and even Steampunk Vampires (again… you might not want to know what I’m talking about). So one of the obvious ways to stretch your costume budget around here is to combine your Halloween and Ren Fest costumes.
What I Have
I already have the basics of a costume, but it needed to be updated because my old shirt and pants seemed to have shrunk a bit… yeah, that’s it. They shrank. Must be the humidity (or perhaps the ghost did it).
In years past I had bought a baldric (which is a leather strap worn over one shoulder and it drapes to the other side of your waist so you can hang a sword off of it – just google it for pics). I’ve also got the sword. Now, these items weren’t cheap: I think I paid $50-$70 for the baldric and another $75 for the sword. But I bought these almost 10 years ago and they are still solid pieces of craftsmanship. These aren’t cheap “Party City” toys, but high-quality leather and steel props that have lasted for years and will continue to last for many years more.
That’s my first bit of advice: Invest in quality “foundation pieces” for your costume. If you see a mask, hat, or robe that is a bit pricey but you know you’ll wear it more than one year, then get it. A high-quality piece will last for decades and you’ll get your money out of it in the long run.
Expanding on My Costume
So I went online and did some shopping – found some great black cargo pants in my size for only $38. Just the sort of thing to make it easy to stash my “historically accurate” sunglasses and wallet as I walk around the Festival. Then I went shopping for a puffy shirt. Yup, a full-blown white puffy shirt like pirates wear even though I’m just going as a generic fantasy-style fighter. The shirt gave me pause, though. It was $55. I found other shirts that were okay, but they were from Thailand and there was some concern about getting them here in time and if the fabric would shrink in the wash.
Finally, I decided to go with the online reviews for the more expensive shirt and get it. When it arrived, I was very pleased with it, despite the price tag being about $20 higher than I had originally thought it would be.
At that point, I was just under $100 for Ren Fest and Halloween (I’m not counting the cost of stuff I bought 7-10 years ago). And the costume was okay… but not perfect. It had the basics, but it lacked character. I really wanted some leather bracers or a pauldron. Bracers aren’t very much ($20-$40 depending on how fancy they are). But a pauldron is a fancy piece of shoulder armor that was originally made for protecting the right bicep and shoulder, with a strap that goes around the chest under the opposite arm pit. It’s a really cool piece… but a cheap one costs about $80.
And that’s when the haunting happened.
My Haunting
I heard it… a voice in my head. A familiar voice. A voice telling me that I had already spent $100 on a costume that I will only wear twice this year, and asking me if I “really needed to spend another $100 just to look cool for two days?”
And that’s when I recognized it! This wasn’t some ghostly voice! I knew that voice! And I knew it well! It was the voice of a certain red-haired financial blogger that we all know and love: Miss Crystal herself!
Yes, it was her voice I heard in my head, and it came back with even more: “You know we’re going to the Ren Fest on the last weekend. You might even find those things ON SALE!”
So that’s my second bit of advice: Give in to your voice of frugality. If you’re building a high-quality costume, take your time and pace yourself. You don’t need everything right now. It’s better to invest in high-quality pieces and do it slowly over time. This will not only give you a costume for the ages, but if (like me) you hit the Ren Fest during its last weekend in late November, you can always bring along a red-haired ghost to help you hunt for a sale!
Crystal’s Comments: Mike told me about this “haunting” a couple of weeks ago and I couldn’t stop laughing!!! For all of my truly frugal readers that think I am on the brink of being a spendthrift (and I get it…I am writing this from my McMansion afterall, hahaha), I counter that I am actually someone’s personal voice of frugality!!! Really!!! Hehehehe! How hilarious is that?! This is proof that one person’s splurger is another person’s tightwad. Thanks for the post Mike!
October 9, 2012, at 6:00 am
The following is a guest post from Laura at A Goddess of Frugality. Thanks Laura!
Holiday Challenge
The holidays are coming up sooner than we all think. Last year, I challenged myself to spend $100 or less out-of-pocket for 9 people. This year I am shopping for 10 people. I am going completely crazy by reducing my cash budget to no more than $80 out-of-pocket. However, I hope to spend about $250-$300 when all is said and done. Confused? Here is the plan:
I will use websites where I earn credits online and cash those out for Amazon gift cards. I have Amazon Prime so I can ship the gifts for free. I estimate I can earn about $100 between now and mid-December. I will also utilize another site where I earn points to earn gift cards and obtain two $25 gift cards by December. I plan to give one gift card as a gift and use to other to shop for a gift. Finally, I do a lot of product and book reviews on my blog so I can cover another gift or two with a review.
This year I also plan to enter some giveaways on other blogs and if I am lucky enough to win, I would love to keep my cash budget to top out at no more than $50. A girl can dream, right?
Crystal’s Comments: I sometimes use the cash back rewards we earn using our Discover to trade in for discounted gift cards. The gift cards are then used as the gift or to buy the gift I had in mind for specific people. Altogether, we usually end up spending $25-$50 per person at Christmas, so we budget for $500 and spread that out as I find gift ideas September through early December…
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 Hi! Thanks for visiting! My name is Crystal, owner and author for BFS. I'm 30 years old, married, and proudly live in the heat, humidity, and hurricanes of Houston, TX. Feel free to check out the archives or just pop around. Hope to "meet" you in the comments soon!
DISCLAIMER I am not a professional or a financial advisor. BFS posts are informational opinions only. Please make your own financial decisions based on personal research or see a financial advisor.
Also, there are paid links on this site. There is no obligation on your part to purchase any products advertised on this website.
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