What a great and relevant topic you brought up, SLM! I believe this subject will get even more publicity in the news and in local areas due to the strain in the economy that I believe will just get worse for awhile. My husband and I have discussed this subject multiple times in the past month due to the fact that we have 3 grown kids. 1 lives at home. The other 2 are married and have households of their own, 1 including a baby. Not only do these young adults struggle to make ends meet, but we have several friends currently without jobs. Our hearts go out to all of them, like yours does for your family and local people in need. Also, we have been on many sides of the spectrum. We were in need years ago as a young couple , our children are currently in need and one couple gets food from a local pantry (Catholic Charities--of which I can't speak of highly enough and I'm not even Catholic!!! They have been such a blessing!) , and now my husband and I do have extra money and time to give to others.
You were given some fabulous answers and input! Everyone had some great valid points and loving thoughts. Helping others and living out Christian faith in action seems to be important to many people....as are relationships with family and how money matters are a big variable.
I want to encourage you to continue to live out your faith in the Lord and continue giving from a cheerful heart in whatever ways you can. So many people adopt a "It's all about me" attitude and giving helps us balance that by seeing that life is not all about us.
Perhaps you and your husband can sit down and talk and try to get on the same page regarding finances, and bring a spirit of "we're on the same team".. If it's too tough to do it on your own, give Crown Financial Ministries a call and see if they can set you up with a free financial counselor. They (and I think Dave Ramsey's organization) have links online. People that have gone through their courses are available to help walk beside families that are trying to get their finances in order. Then perhaps you can designate a "helping others" portion in your budget per month or quarter beyond your tithe. That's what has helped us be able to help others. Sometimes it's only $20 a paycheck. But hey, to someone else, $20 can buy some food, some gasoline, a large bag of diapers and wipes.... That keeps us accountable to live within our own means too.
I wanted to mention a few things that have helped us stretch our dollars and meet more needs:
I started a garden this year --in pots and hanging baskets I had on hand. Lettuce looks lovely in hanging baskets! LOL plus it was cheap to start from seed and supplemented our salads! Every little bit helps!
Almost everyone has junk around the house that can be put into a garage sale to earn some extra bucks. Or to give to local charities to stretch their dollars by the sale of those items or the gift of those clothes to people in need. One church we went to had a summer and a winter clothes give away. People brought their items the week prior. They were laid out on tables by size and people were given a paper sack or two that they could fill with clothes of their choice. When we were a young couple with kids, this is how we clothed our kids and ourselves when money was too tight. It was such a blessing!
I pray before I read the local grocery ads and always plan my shopping based on what's on sale for the week. If I can, I stock up on the specials and keep my own "food pantry" in my basement. Sometimes it is just a shelf of food, other times my freezer is full. But at least I have something to give my children and my friends if they have some immediate needs. God is awesome at giving me some deals whenever I pray and ask Him for them!
I also joined several coupon groups online like www.shesaved.com . From these sites, you can print your own coupons to use. They are great about tipping you off to good deals and stretching those dollars. Yes, it takes time to go through the e-mails and websites, but it has helped me save HUNDREDS of dollars on food, clothes, gifts....just this year alone! www.drugstore.com and www.amazon.com both sell diapers and food items that you can get shipped for free with a $25 purchase. I love the fact that I can get deals PLUS have it shipped and I don't have to go shopping! Saves me gas too! Another idea would be to buy in bulk with a couple of other families from places like Sams and Costco and split the items evenly.
I also access online sites that have ideas for making cheap meals. www.tasteofhome.com , www.cheapcooking.com, www. moneysavingmeals.com just to name a few. I know you said you penny-pinch with mac and cheese, pasta, peanut butter. If you go to a food pantry, that is the type of thing they will give you as well as beans and soups. Perhaps you can look up some recipes to help prepare whole grains and beans. That will stretch your dollars and be a healthy way to fix the basics.
Hopefully, your 2 daughters can learn some good ways to supplement their incomes with carpooling, babysitting, lawn work, elderly care, etc. It is so tough to watch our children struggle. And so tough to know when to allow it , not step in with what they need (or want), and just walk beside them as they struggle. Yet sometimes, that is an even greater gift as it can build and strengthen their own character and faith.
Praying for you today, SLM, that the Lord will guide your path and that this trial will bring about greater faith in the Lord, unity with your husband, and blessing in your life so that you can bless others!