Cutting the Ties: Giving Your Kids Financial Lessons So They Can Fend For Themselves

When children are small, it’s natural that their parents strive to do whatever it takes to support them, love them, and pay for their every financial need. Ideally, part of childhood nurturing involves financial instruction or at least a good example of how to manage money. If, despite all good intentions, the kids grow up and have financial problems, those same parents may be called upon to bail their adult kids out. Is this a wise plan? Maybe, maybe not. In the interest of aiding parents of adult children, we are pleased to present the following money advice.


Teach your children to be financially responsible adults


Smart money management begins at a tender age. Moneyed mogul, Warren Buffet, says that children who are given sound financial lessons when they are little are apt to be successful at managing money when they are adults. Buffet notes that while some parents wait until their kids are teenagers to teach them about money management, the best time to begin such instruction is when children are of preschool age. Forbes Magazine adds that most kids are savvy enough to start learning about money and the management thereof when they are as young as three. The University of Cambridge reports that a person’s lifelong financial style and money habits are generally established by the age of seven years.


When grown children ask for money


Joe Franklin is a Certified Financial Planner as well as the founder of Franklin Wealth Management. He explains that adult kids who are generally responsible with money and who fall upon unexpected and temporary hard times may well benefit from a short-term bailout or a rent-free room in the family home. When kids evince a pattern of financial irresponsibility, however, bailing them out may not be such a grand idea.


ReShelle Barrett is a certified financial planner and senior vice president with Bill Few Associates. She explains,


“The reality is that you are not doing the adult kids any favors at all by always bailing them out. If you offer your adult kids a handout every time they hit a financial wall, they may never learn to manage money on their own.”


If your adult child is looking for work with which to support themselves, get them to understand the importance of regular income. Avoid the temptation of just going out and buying them a car that they will need for work. Instead, discuss with them how they can use proof of regular income to make the payments on a Chrysler 300 or other similar vehicle. You can act as a guarantor on the loan and be part of the process as they find their feet.


Tough love, financial style


Joel Larsen, a CFP and principal of Navion Financial Advisors, explains why it’s rarely a good idea to give adult children unlimited amounts of cash:


“People don’t want to cause their kids any pain or any stress. One day you’re not going to be around anymore. Do you want your kids learn to deal with the world when they’re 60?”


The gist is, offer unlimited love and emotional support to your adult children, but don’t allow them to lean on you financially for an extended period of time. In the long run, allowing your kids to work through a hardship on their own may help them grow into happier, stronger, more independent adults.


Ava Norris has three grown-up kids and has her first grandchild on the way making for a very exciting time. Ava shares some of her parenting wisdom online through her articles as well as participating in forums and groups.

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5 Christmas Gifts for Under $10

Ah Christmas, that most joyful time of year.  A time for family, a time for delicious food, and unfortunately a time for big money.  The larger your family is, the more gifts you have to worry about. However, quantity is still possible while still keeping costs low.

Drugstore Makeup

Celebrating Christmas with a woman or teenager girl?  Chances are she loves makeup.  Makeup doesn’t just come from department stores and expensive specialty shops. Have you ever taken a stroll down the aisle at a drugstore and visited a little section called Wet N’ Wild?  Lipstick can be as low as $1 a piece. Buy several of these paired with a couple $2 nail polishes and maybe a nice compact mirror and voila! You’ve got yourself the gift of beauty!

A Candle

I’m yet to meet a person that doesn’t like candles.  Candles are soothing, they smell good, and even if you don’t like burning them, they are a great decorational piece! Candles don’t have to be expensive.  You can find them everywhere from the grocery store to the dollar store.  And here’s the best hack of all: you can make them!  Try an at home beeswax candle recipe, or even make it a craft activity with your child melting crayons into a candle! Candles are loved by both genders and sure to be a crowd pleaser.

A Wellness Package   

You don’t have to buy someone a $200 gym membership to give the gift of health.  Weight loss and fitness doesn’t have to mean breaking the bank. How about a basket of healthy items that you can find at your everyday drugstore?  A cute idea might be an apple, a 1000 count bottle of vitamin C and a pair of dumbbells from a thrift store.  You can often find exercise equipment for practically free. A wellness package is a great idea for a family member that’s been looking to make a change in their health regimen.

A personalized coffee cup

These days you can find all kinds of online stores that will create a custom cup with an uploaded image of your choice.  Perhaps you’d like a more personalized approach and prefer to make your own cup? Head to the craft store and buy a heat friendly/beverage safe molding clay.  Or simply purchase a plain white cup and have at it with some permanent markers.  Sometimes the greatest gift a personalized one that your loved one can enjoy every day with a ritual such as coffee.

A phone case

Much like the personalized coffee cups you can also find a variety of services offering personalized phone cases.  Everyone has a phone these days, and goodness knows how easy it is to break one.  Give your family member the gift of phone protection.  That’s something anyone could use!

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Balance Work With Motherhood By Making Money From Home

When you should go back to work after having a baby is a touchy subject these days. In many situations, it is almost like you just can’t win. Go back to work too early and people accuse you of ‘abandoning your child’, go back too late and people claim that you are milking the system. Of course, what other people think really shouldn’t matter, but with all these conflicting opinions it can be hard to get your thoughts together. However, listen to both your body and mind to work out what’s best for you. A lot of women find going back to work after having a baby both physically and mentally stressful. Plus, it can end up costing you a small fortune in childcare. It is for this reason that starting to work from home could be your saving grace in this scenario. If you’re already in a job that allows you to do this, great! But if you’re not, don’t panic; there are more ways than you think to make money from home.


Blogging is probably the number one legitimate way to make money online these days. However, it isn’t for the faint-hearted. You can’t simply make your blog on Tuesday and be expecting your first paycheck on Friday. Blogging is a very saturated market so your blog will require a lot of work, and it will need to stand out. It is for this reason that if you’re in the blogging game solely to make money, you probably won’t succeed. You need to be passionate about your blog and the topics you write about. If you are, this will show through your work and companies will be more interested in collaborating with you.

Taking online surveys

Once thought of as a bit of a scam, online surveys are now actually a legitimate way to earn cash online – providing you know who to go to. Companies who are planning to launch a brand new product need to undertake extensive research to make sure they’ve got everything right. And that’s where you come in. Most companies use surveys or focus groups as a way to get the opinions of a cross-section of the public. The polls and focus groups are often fun and won’t take up too much of your time. It is advisable to look on review websites like Survey Says before committing to taking a survey, just to make sure everything is in hand. For example, read their review about Vindale Research, which can offer a good insight into how the site works.

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Selling on Etsy

Fancy yourself as a bit of a crafty creative? If you’re a dab hand with a sewing needle or are a pro at knitting, selling your creations online is a great way to make extra cash. Websites such as Etsy specialise in handmade goods, and you can communicate directly with customers easily. Simply set up your online store and wait for the customers to come! If you’re having trouble attracting trade, set up a Facebook page for your business to help promote yourself.

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Updated Thinking: Adjusting your Financial Planning to meet your Modern Family Needs

The reality is that the sort of financial advice that might have been passed down to you by your parents, whilst it is undoubtedly well-intentioned, it doesn’t always reflect the financial needs of a modern family.


Financial decisions, such as buying that Dodge Challenger that you have had your eye on for a while, all have to be weighed up and justified of course. It also helps if you update your thinking in terms how to plan for a different type of family life and dynamic, than previous generations witnessed.


Kids stay at home for longer these days, retirement ages are increasing, and student debt is a reality for many households, so you can soon see why you need to re-think and update your financial strategy.


Big changes


It is estimated that almost four out of every five households no longer fit into the typical profile of parents with 2.2 children, so it makes perfect sense that these fundamental demographic and lifestyle changes, need to be considered and accounted for when you are making your financial plans for now and the future.


Many financial assumptions have been made against a demographic that is simply outdated in many families. There are many single-parent household for example, unmarried partners, and homes where the kids simply can’t afford to move out, even when they are well into their adult years.


This means that a one-size-fits-all approach to financial planning could see you fall short of your chosen targets, unless you take account of the big changes that have taken place in many households.


Make your position clear


Whether you might be classed as being one of the new blended families that don’t conform to the traditional stereotype or have a household that still fits the 2.2 kids scenario, there is plenty of merit in setting out your stall and making your financial position as clear as possible.


This means making saving a clear priority so that you are as prepared as possible for future events and landmarks. It also means trying to develop a strategy to cope with educational costs, such as working how you might be able to use college aid.


Adult kids


It also helps to make your position clear when it comes to the subject of having adult children who are still at home with you.


It is important to maintain an open and positive dialogue with your adult children and talk to them about helping them plan how they might be able to gain some independence at some point in the future.


It is certainly a challenge, when you consider the cost of rents and living expenses, but you need to have a family plan in place to deal with this scenario and have an exit strategy as it were.


If you don’t plan our talk about how you can help your kids without damaging your own financial situation, retirement could soon become a distant dream.


This is just one example of how adjusted thinking is often required these days, if you are going to meet your modern family’s needs.


Faith Todd is a personal finance consultant who contributes to a variety of personal finance blogs around the web. In her personal life, Faith enjoys living in a rural area with her dogs for company, and is taking violin lessons.

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Why September is the Best Time to Start Your Christmas Shopping

Autumn is nearly here, the shops are carrying pumpkin flavoured everything and it’s time to start bringing out your pie dishes and spiced candles. But autumn will go just as quickly as this summer has, and before you know it, the snow will be falling and you’ll be scrambling to get your Christmas presents together with two weeks to spare! We’ve all been there, but why not make a change this year and start shopping early? Here are some reasons you should start shopping now, and avoid the frenzy later.


You Won’t Have to Deal with the Crowds

Christmas shopping crowds are the worst. Everyone is rushing around looking for those last few presents, and you can hardly see where you’re going amidst all of the busy (and often grumpy) shoppers. If you get your shopping out of the way now, you can avoid the dense herd of people later and shop in peace! You’ll also feel much better in the weeks before Christmas knowing that all of the presents are already wrapped and under the tree, and you’re not going to have to stress yourself out trying to find one last present.

You Can Save Money

There aren’t many things that are going to be on sale right before Christmas, because shops know you’ll be buying toys and gadgets no matter what! If you start your shopping early, you’ll have time to ask people what they want, make a budget, and stick to it. Keep an eye out for big Black Friday and back to school sales to find the best deals on different list items, and get a few things each month so that when December comes you aren’t penny pinching for presents or Christmas dinner. Saving now means you’ll be able to take advantage of the crazy post-Christmas deals you usually have to skip out on because you’ve already spent all your money!  

You’ll Get Things Before They Disappear

It’s always best to buy ahead of time because you’ll have a much better selection amidst the fully-stocked shelves. If your little one wants a cute pair of friendship earrings or a brand new toy from this list you can be sure that everything will still be in stock in person and online. There’s nothing worse than having a week or two left to get everything and realizing lots of the gifts are already sold out, and you’re having to pay extra for a more expensive version of the same thing.

You’ll also be able to have a list made beforehand, with lots of ideas. Every time your family or friends mention something you can write it down and get it before it’s gone, and they’ll be pleasantly surprised that you remembered!

So save December for apple pies and Christmas films around the fireplace, and leave everyone else to rush around like mad men. You can sip your hot cider in peace knowing that everything is taken care of this year!

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Misleading Money Advice: Bad Financial Tips You Should Ignore


When it comes to money matters, there seems to be advice coming at you from all angles, which makes it extremely difficult to determine which tips are worth following and which pearls of wisdom you are actually better off ignoring.

Getting legal help is another matter, as you will probably need to talk to someone like a law firm in Providence at to get the right advice if you have suffered an injury for instance and need to make a claim.

Back to the subject of money, here is a look at some of the sort of financial tips that you should consider giving the swerve.

Stay away from credit cards

You will often hear advice that suggests you steer well clear of using credit cards if you want to preserve your wealth and avoid getting into serious debt.

There is obviously an element of truth in that advice, as credit cards can end up getting you into serious financial difficulties. But when you use them in the right way, there is actually nothing wrong with having credit cards, and they can even offer you some decent benefits.

If you are prone to overspending on your card and don’t clear the balance in full every month, you may well do better avoiding having any cards in your name. Used responsibly, they offer you buyer protection, the potential for rewards like air miles, and also an interest-free credit period on your purchases, provided you pay off the balance when you get the statement.

The right type of life insurance

There is no doubt that life insurance can be viewed as valuable safeguard if you have a mortgage and one of you dies unexpectedly, and your loved ones can be provided for with a lump sum.

The problem with the general advice to buy life insurance, is that you need to ensure that you buy the right type, rather than end up taking out an expensive policy that doesn’t align with your changing needs.

If you have a growing family and a mortgage to take care off, it is perfectly sensible to arrange insurance cover to ensure that the loved ones you leave behind are not left in a financial mess and unable to pay the bills.

As you get older, your needs and priorities change. You often don’t need life insurance once the kids have grown up, you have paid off the mortgage and you have a bit of money behind you. So get the right type of life insurance that covers you when you need it and not when you don’t.

Only buy stocks that offer good dividends

There are many other bits of financial advice that could turn to be damaging to your wealth, but the one about only buying stocks that provide dividends, is worth a mention.

Far too many investors have a near obsession about dividends. The actual reality is that dividends are deducted from earnings, which could have the potential of reducing earnings.

The advice is not to get so hung up on stocks with dividends that you miss other opportunities, as you are almost invariably making a trade-off when you focus on dividends as the center of your investment strategy.

Courtney Platt is a financial consultant who enjoys penning (ok, typing!), personal finance articles in her spare time. She shares her tips using her personal and professional experience to come up with interesting topics.

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Growing Your Family Bakery

Owning a family business can be a gratifying experience. You’re able to use a business model that reflects your own ethics and vision. You may work with family members on a daily basis. When you own a family bakery, you’re helping to perpetuate a tradition of consistently offering local residents food items that both feed and delight them.

No matter how successful your bakery has been, you may still want to grow it even more. If you’d like to see your business yield a greater return for your hard work and sacrifice, you might implement a variety of strategies to do that. From helping out with community projects to working with other local businesses to redesigning your website, you may discover many possibilities worth exploring.

Community Involvement

When businesses place an emphasis on community involvement, they are working to benefit the general public as well as their own interests. People in the community often respond favorably to businesses that care enough to contribute their time and money to local causes. As a bakery owner, you might offer to supply the baked goods for school bake sales and other local events. Doing this will not only serve the community – it will also make the name of your business known to many potential customers who might otherwise not have been aware of your bakery. This is an excellent way to build or strengthen a loyal following.

Working With Other Local Businesses

Another way to stay involved in the community while growing your bakery is to forge alliances with other local businesses. You might speak to the representatives of several local companies about providing their baked goods on a weekly basis. If they enjoy your pastries every Monday morning at their workplace, people who work at neighborhood hair salons, coffee shops, law firms, and advertising companies are more likely to remember your business when they need to purchase baked goods. In return, you might find ways to support other local businesses by purchasing their products and services.

Provide Customers with a Useful Website

If you don’t yet have a website for your family bakery, you are not truly maximizing your marketing efforts. Even if you have a website, it may need to be redesigned to reflect the needs and habits of today’s customers. Many websites that have not adapted to the needs of mobile device users have been left behind in terms of online presence and search engine optimization (SEO). Working with a professional team to create or update your website could lead to more business in the future than you ever imagined was possible.

Growing your family bakery may seem like a daunting prospect if you don’t know how to get started. Fortunately, you can take various small steps toward reaching your goals for your business. By getting involved with the community and serving the needs of customers, you could experience the growth you desire sooner than you expected.

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What To Do When Creditors Start Calling But You Can’t Pay

No one ever plans to get incredibly into debt or resort to declaring bankruptcy, but sometimes we just get in over our heads when it comes to finances. And the more in debt you become, the harder and harder it is to crawl out of that hole.

The stress of paying back debts can be excruciating, especially if you’ve become delinquent and are getting calls from creditors. While this isn’t a pleasant experience, there are some things you can do to make these interactions a little more bearable. To show you how, here are three things you should do when creditors starts calling but you still can’t pay.

Create a Reasonable Budget

If you’ve just become too overwhelmed with your debt to face it head-on, the first thing you’re going to want to do is get a firm understanding of your exact financial situation. This include creating a budget so you can see where you can cut back and begin paying down your debts.

Kathleen Michon, a contributor to, shares that in order to create a reasonable budget, you have to know what your income is and what your expenses are. After that, you should prioritize your expenses to help you pay off your most important bills and debts first. This may include your mortgage, utility and other bills.

Plan What To Say

When you know you’re not going to be able to pay your debts the way your creditors would like, it can be very hard to want to speak to them about it. However, it’s vital that you discuss your financial problems with your creditors so they can help you come up with a plan for repayment.

When you’re needing to speak to your creditors, Erica Sandberg, a contributor to, suggests coming up with a game plan for what you’ll say to them. In this game plan, you should know what you’re going to bring up regarding the problems you’re having paying off your debts, how you plan to solve this problem, what help or assistance you may need from them, and why they should believe that this plan will work out for the both of you.

Try To Make a Deal

At a certain point, your creditors are going to be willing to work with you in order for them to recuperate as much money from your debts as they can, even if it’s not the full amount. This information could work to your advantage when trying to make a deal with your creditors as to how much and when to pay back your debts.

Lucy Lazarony, a contributor to, shares that if you make it clear that you can’t possibly pay the full amount of your debts, you can often strike a deal that may include paying a smaller lump sum or reducing the amount of your monthly payments. While neither of these options will eliminate your debts, it will make it easier for you to pay them down.

Although it can be frustrating when creditors are calling about your bad debts, you can overcome this burden by making smart decision moving forward. Use the tips mentioned above to help you do just that.

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3 Inexpensive Ways to Help Your Kids Experience Art

Although art isn’t necessarily thought of as a must-have form of education at many public schools today, being exposed to arts and culture is a great way for your child to become more creative, confident and open-minded. While most parents agree that these are all characteristics they’d like to cultivate in their children, it’s commonly thought that truly experiencing art requires a lot of money.

However, just because this can be true doesn’t mean it’s always true. In fact, there are a lot of inexpensive ways you can teach your kids about art. To help you find out how, here are three inexpensive ways to help your kids experience art.

Create Your Own Arts and Crafts

An arts education doesn’t have to take place outside the home. Simply giving your children dedicated time to spend creating and being artistic can help them experience and learn to love art. Charlina Stewart, a contributor to, shares that all you have to do is provide some basic creative materials to help your child get the benefits of creating art. Some of these inexpensive materials can include markers, construction paper, shoe boxes, plastic water bottles, chalk and scissors. You’d be surprised how creative kids can be with very limited resources.

Think Beyond Traditional “Art”

While spending time creating their own pieces of art using craft supplies is a great use of their time, kids should also be made aware that this isn’t the only form of art they can experience. shares that by expanding our own definition of what qualifies as art, we can help our children expand their definitions as well, including things that cost us very little money as parents. Art can also include cooking and baking, interior design, photography, flower arranging, clothing construction and so much more. Consider helping your child find something they love that you’re willing to spend a small amount of money on to help them foster a love of art.

Visit Free Cultural Events

Participating in the creation of art is a great way to build an appreciation of art. However, that’s not to say that observing and experiencing other’s artistic talents isn’t a worthwhile endeavor. Luckily for many, communities around the world often hold free events where you can see and learn from other artists. Stacie Nevadomski Berdan, a contributor to the Huffington Post, suggests that parents visit any free cultural event in their area to expose their kids to various types of art, music, literature, food, dance and more.

If you’re willing to think creatively, you can come up with a plethora of ideas to help your kids learn about art and greater feel its influence in their lives. Use the tips mentioned above to help you save money while doing so.

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Ways to Finance Treatment Even When You’re Broke

There are so many addicts in the world who would do everything in their power to be able to go to treatment, but the only thing stopping them from being able to get the help they need is finances. Addiction is the thief that comes in and not only takes your finances, it takes your belongings, your relationships, your livelihood and your happiness, and many other things.

There are so many reasons a person finds themselves within the irons chains of addiction. Sometimes it’s generational, sometimes it’s emotional, sometimes it’s physical, sometimes it’s all of the above and a host of other reasons. The point of the matter is that it’s a tragedy anytime somebody falls prey to addiction and can’t find their way out.

If you’re in this boat and the only reason you’re not able to attend treatment is because you can’t secure the finances, here are things you can do:

Find A Place Compatible With Your Insurance

Though you’ve probably already looked into this, if you find a rehab facility that will work with your insurance company, this might be the break that you need. It might take a bit of searching on your part, and you will probably have to fill out several forms to verify your insurance with different centers, but your health is worth the work you’ll have to put in. If you’re lucky enough to find a place that will work with your insurance, that’s the solution to your finance issues right there.

Find A Church With A Program

If you don’t have insurance, it sucks, you’re stuck in a job with measly insurance coverage, or you don’t have a job, you’re going to have to seek out other methods of financing your treatment. A great place for you to start is with churches in your area.

You might have a vendetta against the church, you might not, but in the end, the true heart of the people is to help and there are many churches out there that offer up programs to help addicts. Whether this means they have a program within their church, or if their members offer up money to help those who need it afford recovery, the resource is there and it might be about you getting over your pride and seeking it out and accepting the help.

Have Somebody Else Handle Your Money

At this point in your life you might not be able to handle your own money without it going to feed your addiction. It’s normal and natural for addicts to do this. It’s very hard for you to function without your fix. If this is the case, financing treatment might be as simple as having somebody else handle your money. Every time you get paid, make them make you give them a chunk of money. Even when you beg for it, they can’t give it back. When you want to go to treatment, you then have a stash of money available.

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Unexpected Medical Expenses: Budgeting Tips For Families

When planning your family’s budget, it’s hard to factor in the unexpected, such as paying for emergency medical situations. Maybe a family member is in an accident and needs to go to the emergency room, or perhaps a series of ear infections result in a recommendation that your child receive ear tube surgery – whatever the source of the expenses, medical issues are urgent and you’ll need to have funds on hand. Too many of us are underprepared for such unfortunate but common situations.

If you’re trying to manage your family’s medical expenses more effectively, there are a few steps you can take to establish greater financial security. Here are 3 potential approaches to handling such costs that can save you from major medical debt.

Understand Your Insurance

Under the Affordable Care Act (ACA), all Americans are now required to have health insurance, and there are even tax credits available to help your family afford coverage. Even with this coverage, however, many families are struggling to afford rising deductibles and this can have a major impact on your ability to save.

It’s important to choose your insurance carefully and pay attention to both your monthly premiums and the deductible that you’ll need to meet before your insurance kicks in. For everyday costs – an annual checkup or a run of antibiotics – having to meet your deductible may not be a big deal. These expenses aren’t astronomical. But if a family member suddenly needs surgery, you may be facing several thousands dollars out of pocket before your insurance will pay anything.

Shop Around

We tend to think of medical costs as fixed and non-negotiable, but there’s more wiggle room there than you might think. Those who fill a lot of prescriptions, for example, may find that apps like GoodRX can help you find a better price in the same neighborhood. This savings can quickly add up.

Similarly, make sure to comparison shop for things that aren’t covered by your insurance, such as hearing aids. Hearing aids are rarely covered by insurance, but there are ways around this. Some regions have loaner programs for children in need, and there are different kinds of hearing aids on the market. Though they’re still expensive, with research you may be able to find some at an appropriate price point.

Save Up

When you save for medical emergencies in your main savings account, it can be tempting to withdraw the money early when a different need arises. A good solution to this is to open a Health Savings Account (HSA). HSAs are open to those with high deductible insurance plans and are treated preferentially for tax purposes. These accounts can be valuable financial backup when you need to pay off your deductible.

No matter what path you take towards managing your family’s financial expenses, you’ll be glad you planned and saved when an emergency strikes. It’s all about treasuring your health while you have it, but still planning so that you can take care of yourself if that health fails.

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Protecting Your Family: Why You Should Invest in a Security System

Keeping your family safe is one of your most important responsibilities, but are you doing everything you can to protect them? Many families focus on small details when it comes to home security, while overlooking one of the most powerful safety tools available: a professional security system.

Though they can be expensive, it’s important to consider the peace of mind you’ll have knowing your family is being professionally protected. Assess your family budget, skip that home upgrade, and invest in a system that will offer years of security to your family.

Choosing a System

Before picking a home security system, it’s important to take a few factors into account. For example, if you own your home, you can install any kind of security system you’d like, but if you rent your home, you should consult your landlord and assess wireless system options. The nice thing about a wireless security system for young families is that you can take your monitoring equipment with you when you move.

Wireless security systems usually rely on DIY installation and you won’t be able to get external monitoring for such a system, but if you’d like to enhance your home’s security without making a big investment, they’re a good starter option.

If you do choose a professional wired system, be realistic about the costs and potential disruption to your family’s schedule. Installation professionals will have to come set up the system, which can include making permanent alterations to your home, and if you want to make upgrades to the system, they’ll have to come back and remove old parts and install new components. Any time you want to renovate your home, you’ll also have to consider whether your security system will be impacted.

Focus on Features

It’s also important to evaluate what types of features you’re looking for in a home monitoring system. Some modern systems, for example, allow you to access streaming video feeds of your home through an app or over the internet. Many people prefer this kind of personal access, while others would prefer to leave surveillance to the professionals.

Another worthwhile feature to consider in a home security system is carbon monoxide detection. Though most people remember to install smoke alarms in their homes, too many opt out of carbon monoxide detection, which can be much more dangerous. You can see and smell smoke, but carbon monoxide is odorless, colorless, and deadly. Integrating a carbon monoxide detector into you home security system is a holistic approach to your family’s well-being and has become more popular in recent years.

Budgetary Considerations

If you’re not sure there’s room in your family’s budget for a security system, it’s time to reconsider; in today’s marketplace, there are systems available at a wide range of price points. Security firms are happy to work with clients to find a system within their budget. Ultimately, the installation may be somewhat costly, but monthly monitoring typically runs about $25 per month. If you can pay for Netflix, you can pay for a security system.

Crime is a major concern for modern families and we’re all looking for ways to protect our loved ones from danger. Now is the time to go beyond locked doors and trusted neighbors and install a quality security system in your home.

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Raising Kids on a Budget: Easy Ways to Save Money on Life’s Little Ones


Raising a family is rewarding and expensive in equal measure, with the average cost of raising a child right through to their 18th birthday standing at an average of at least £245,000 for a middle-income family.


It feels good driving around in a nice vehicle, like the Jeep Renegade for example, but you also have to think about making sure your kids are taken care off too, so the way to try and achieve all of your goals is to find some savvy ways to keep that budget under control.


Keeping an eye on expenses


It is interesting to note that when comparing the costs that your parents probably faced when raising you and the costs you face of raising a family a generation later, some things haven’t changed that much.


However you analyze the figures, there is no escaping the fact that your parental responsibilities add up to a sizeable number by the time your child reaches that milestone 18th birthday.


There are many ways to keep within your budget, feed, nurturing and clothing your family without breaking the bank. It just needs a bit of creative thinking and a few tips to help you keep a lid on all of those expenses.


Big savings on diapers


One of the biggest expenses you face in the early years is the cost of diapers.


It is not unusual for a typical family to spend at least $1,500 per year on disposable diapers, but there are two potential alternatives that could end up saving you a large part of that figure.


The first option is to consider cloth diapers. The obvious downside is washing diapers ready for using again, but when you consider that you could conceivably buy enough cloth diapers to see you through the first 12 months for about $60, that is a big saving.


The other alternative is having a go at the diaper-free strategy. Some countries use this practice as a matter of course and it is feasible to teach your baby to use a specific cry when they need the toilet, from just seven weeks old.


These ideas have got be worth considering when you work out how much money you will be saving if you can ditch the disposables.


There are plenty of parents out there


You are highly likely to develop a network of friends who also have children of different ages and there are always community events and networks centered around families, which offer opportunities to make some huge savings.


One of the big issues with a growing family is that clothes and other items like cribs, soon become redundant as they grow out of them. Network with other parents nearby and see if you can swap or buy cheaply items that they don’t need any more. Most of these items will be like new as they are not used for long, and you could end up spending a lot less than if you visit the mall every time your child needs something updating.


These are just some of the easy ways to make some big savings, so network with other parents and share your tips as well as exchanging items between each other, in order to keep within budget while raising a family.


Sean Robinson is a Father who experienced a huge wake-up call regarding finances when he was made redundant several years ago; gone were the days of maxing out the credit cards, he soon had to learn to being frugally minded. Today he writes useful articles on personal finance matters that others can take tips from.


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Insanely Easy Ways to Save Money on Everyday Things

When you have a family, it can be easy to spend money all the time. There are lots of demands and things that your family might want or need. Even just things around the house can add up. So one of the best strategies to have is to try to save money on the everyday things that you need to buy. When they are things that you have to buy anyway, it is best if you can save a little on the way. So here are a few ideas to help you.




Check Your Cupboards


Before you do your grocery shopping, check your cupboards thoroughly. Look through what you have and work out a meal from those things. Then you might only need to get some fresh veggies or meat, for example. Don’t just pick random recipes, but choose meals around what is already in the house.


Look For Coupons


Coupons are one of the best ways to save money on everyday things. You will find coupons for things that you will normally use, like toilet tissue and groceries. You might even find a postage coupon for money off mailing a gift, for example. Look online, as well as in catalogs and magazines for coupons.


Drink Water


Drinking water from the tap is the cheapest way to hydrate. Don’t be succored into buying bottled water all of the time. You could get yourself a BPA-free water bottle to carry with you. Then just fill it up from the tap, as and when you need to.


Make Snacks


Buying your snacks can cost a heck of a lot of money. Making things from scratch is not only better for you, but costs a lot less. You might need to schedule in the time, but making things in batches is a good idea. Then you will always have snacks in, rather than grabbing things when you are out.






There are several ways that you can save money when it comes to your laundry. One of the best things to do is to wash your clothing on a cold temperature. This saves the cost of heating up a lot of water. It also means that you can wash different colors together. The fewer loads of laundry that you have to do, the cheaper it will be. You can also air dry your clothes, rather than use the dryer. The cost to heat the dryer for an hour really does add up. So dry your laundry outside or elsewhere in the home.


Reduce Your Outgoings


Have a look at your bills and see where you can make some cuts. Are you paying for a gym membership that you use maybe once a week? You could do things at home for free instead. So reduce outgoings where you can.


Sell Your Branded Goods Online
Selling second-hand products online is a good way to make a little money. Branded goods make the most when you sell online, though. So look through your cupboards and closets to see what you have. If there are clothes, toys, bags and shoes that don’t get used anymore; sell them!


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More Money For Your Family With 6 Smart Tips

Wouldn’t it be nice to have more money for your family? We all wish we had a little more money sometimes. However, many people don’t even think that this is possible. I’m here to tell you that just about any family can have more money. If you start using the 6 smart tips outlined here, you’re bound to have more to spare!


Save All Of Your Loose Change


Instead of looking for ways to spend your loose change, buy a special pot or jar and throw your loose change in there at the end of the day. It’s up to you what sort of coins you put in there. Some people only like to fill it up with small coins, while some people enjoy saving larger coins and sometimes even notes. Aim to put even just a small amount in each day and it’ll soon add up. If you want to spend it until the jar is full, you should have enough money for a treat for the whole family. Maybe a nice meal somewhere or even a day out!


Create A Spending Plan


Create a spending plan. There are tons of different ways to do this, so it’s important you do it in a way that suits you best. One idea many people use is ‘paying’ themselves first, and then using the rest of the money spread over various saving accounts. Know where your money is going and you can make much smarter choices in the future.


Start An Easy Side Job


There are many easy side jobs you can try to bring in a little extra income, and you won’t need to sacrifice time with your family to do so. Maybe you could start a few websites or blogs to advertise. Maybe you could make cakes. Maybe you could even share your knowledge and expertise on a particular subject and sell it as a course or tutorial.



Always Save Coupons And Look For Codes


Never fail to save coupons that you find, or look for codes that can get you money off. If you’re ordering online, always looks for codes before you part with your money. You can even get money back on Paytm purchases with coupon code Rs 10 Cashback on Recharges of Rs 400+. In the long run, the money you’re saving will really add up.


Have Regular Clear Outs


Families tend to accumulate a lot of stuff, so have regular clear outs and sell your things on. You can host garage sales and car boots, or even just throw your old things on eBay. Not only will you become more organized and make your life easier, you’ll have money to spare.


Rent Out A Room To Guests


If you have a spare room, why not consider renting it out to guests? You can use many sites for this online, so you barely have to do any work at all other than be a good host.
Use these 6 smart tips and you’ll find yourself with plenty of money to spare for your family!

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