Freeing cash for splurges

Amy Suardi recently started growing some of her familys food. On many days, she can be found with her children in the front yard of her home in Washington, tending their edible garden. Later, the family might make pizzas (using herbs theyve grown), tidy up the house (with cleaning supplies theyve made), watch a DVD (TV programs are not permitted) or play games the children invented.While Suardi, 42, has fashioned a lifestyle for her family that is reminiscent of a slower, less stressful era, she is also decidedly 21st century: She blogs about her life, and gets paid for it.

I dont make a lot of money, but the trade-off is that I can be home with the kids, she says. I can also make dinner every night and take care of the house.

For Suardi, thrifty living is at the heart of the life she craves. On her blog, Frugal Mama, she shares her experiences, offering insight on creating a high-quality life on a small budget.

Her expertise, she says, is based on learning to live on a shoestring since college, first as a single young woman in New York, then as the wife of a doctor in training.

My philosophy, she says, is about finding the fun in saving and keeping life simple so we have time for whats important.

With her husband, Enrico, now working full time after recently completing his medical training, and with Suardi earning money by writing, the couple has more income than ever before. However, they are also both in their mid-40s, have four children (ages 10, 8, 4 and 1), almost no money in retirement and a 100-year-old house that needs work.

For Suardi to remain an at-home working mother while they bulk up their retirement savings, the family cuts corners wherever possible: The children attend public schools and co-ops and wear secondhand clothing. The adults drive used cars and use pay-as-you-go cellphones. They clean their own home, shop at thrift stores, dont have cable, walk instead of drive when they can and eat most of their meals at home.

We live frugally out of necessity, but I would continue to do so even if I had a lot of money, says Suardi. Being frugal has led me on interesting paths and made us a better, closer family.

Money problems

It all started out of conflict.

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Freeing cash for splurges