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.

gift-548301_1920

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!

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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 www.m-n-law.com 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.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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 Nolo.com, 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 CreditCards.com, 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 Bankrate.com, 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.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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 PBS.org, 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. ChildDevelopmentInfo.com 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.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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.

 

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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.

 

image

 

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.

 

image

 

Laundry

 

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!

 

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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.

Image

 

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!

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

3 Money-Making Opportunities For Children or Teenagers

Even before children really understand what it takes to have a real job, their desire for things and experiences necessitates them to have some way to make money. As a parent, you can choose to simply give them money when they have a need or when they ask for something. However, you also have the option to help them learn about money and finance by teaching them how to earn their own income.

While your kids may feel like this is a much harder way to be able to afford the things they want, the life lessons they can learn by making their own money can help them well into their adult years. To help your children find ways to generate their own income, here are three ideas for money-making opportunities for children or teenagers.

Yard Work for Friends or Neighbors

Many children love playing outside and getting dirty. If this sounds like your kids, you can help them learn to take this passion and turn it into a way to make a few dollars.

Doing yard work for friends or neighbors generally requires very little experience as long as you’re willing to work hard. Madison DuPaix, a contributor to About Money, shares that some common yard work tasks your kids or teens could perform include clearing snow, pulling weeds, raking leaves and pruning gardens. As long as your kids can follow directions and work moderately independently, this could be a great option for them.

Babysitting or Pet Sitting

If your kids are a little bit older, babysitting or pet sitting is a great way to learn important life skills while also making money. KidsHealth.org states that when kids are preparing to start babysitting, they should seek out ways to let other parents know about their services and learn how to keep themselves and the children safe without supervision. These same principles work with pet sitting as well. So if your teenager has a soft spot in their heart for children or pets, opening a babysitting or pet sitting service could be a great money-making opportunity for them.

Farmer’s Market Vendor

Children who are especially artsy or interested in crafts and handiwork may want to look into getting involved with your local farmer’s market and selling products there. According to Melissa Griffiths, a contributor to HobbyFarms.com, some of the most common homemade items that are sold at farmer’s markets include beauty products, baked goods, hand-crafted items, resale items and more. Not only could this be a great chance for your kids to make some spending money for themselves, but it could also be a way to help them find a hobby they enjoy.

Although most children and teenagers don’t need a lot of money, it’s nice for them to have a way to make a few dollars here and there to learn about the value of work and money management. If your child is wanting to earn some money, consider one of the ideas mentioned above to help them achieve their goals.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

Married With Children- Saving Money On Date Night

Having a date night can be a godsend to married couples with kids, but you need to include all that date money in your budget, and being a parent isn’t cheap. Many adults in marriages or serious relationships work to schedule in a monthly date night, which at least gives you one night, once in awhile, where it’s all about your relationship and you can have some time away from the kids.

You don’t really have to spend a ton of money to have a date night once in awhile. You can do lots of great fun things on the cheap. The point is having some time with your significant other to bond and enjoy each other, alone, or at least without the kids monopolizing your attention.

Limit Big Romantic Dates

Romantic dates are a must in every relationship, but you don’t need to do them all the time, and they don’t always need to be at a fancy, expensive restaurant. Save the big, expensive romantic dates for the holidays, like Valentine’s Day and Sweetest Day.

You could have a jar that you save up your change and small bills in that can be used every few months to pay for a more romantic night out (maybe even a motel room), and then stick with the more casual dates for the other months.

Opt For The More Casual

Casual dates can be both fun and easy, and they can cost a lot less. One of the best casual dates for those that are married with families is to send the kids off to their grandparents and have a romantic evening at home. Light candles, make a special meal, and watch a romcom while snuggles in each other’s arms.

Even if you go out, you don’t have to spend a ton. Do something childish and fun, like going bowling or roller skating. Go see a movie and have dinner at your favorite casual restaurant.

Plan Something Cheap And Special

You can also do something super special, without spending a lot of money. Plan a picnic, and feed each other finger foods while you enjoy the beauty of the park. Rent a boat for a few hours and enjoy some fishing on a small lake.

Maybe you want to get dressed up, more than casually, but still just go out on a casual night. Kind of like prom goers stopping for fast food in their fancy clothes. It can be fun and adventurous, and still not cost you a ton of money.

Your relationship needs a little romance once in awhile, even if it’s only once a month. Kids and jobs can easily monopolize much of your time, and if you don’t make time for your relationship it could start to fall apart.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

Budgeting Tips For School Clothes

When it comes to school clothing, you can spend up a lot of money fairly quickly. Kids grow every year and every year they need new clothes. Even if they didn’t grow out of last year’s clothes, it’s pretty likely they wore them out.

Not only do kids grow out of clothing, but they grow out of shoes, and you want to make sure they have well fitting shoes that are in style, and keep their feet safe and comfortable. School time means gym class, as well, where they need shoes suitable for sports of all kinds.

Looking For Sales

The first step at saving money when it comes to buying new clothes for your child, or children, is to look for sales. It helps to know when is the best time to go shopping and get the best prices. If you wait until right before school starts you might not be getting the best deals.

Part of looking for the best prices includes looking at the flyers and sales catalogs for the stores in your area. You’re often going to save more money going to big box stores than shopping for clothing at the mall. Mall clothes can be extra pricey.

Finding The Best Online Deals

Sometimes the best deals you are going to find will be online. If you know what sizes your child needs online shopping can be very helpful, and you’ll save time and gas money as well. It’s much easier to help your child pick clothes online rather than waiting hours at the store for them to try things on.

And, returns are generally easy to deal with when you shop online. You can send items that just didn’t fit right back for a different size, money back, or maybe even store credit. Order early and you won’t have to worry about school starting before you have everything you need.

Thrifting

While some children will argue with you about wearing someone else’s clothes, or not having the latest fashions, many love to wear fun older clothes. By shopping at thrift stores you can find some great deals.

There are also thrift stores that cater to brand name clothes that are only a year or two old, and they can save you a ton of money for kids that want all the cooler, newer fashions.

Other Cheap Options

You don’t have to go broke buying school clothes every year. If you have children in different age ranges you can do some work with hand-me-downs, with items that don’t get worn out. This can save tons of money.

You can also try out yard sales throughout the summer. Sometimes you can find new or like new clothing at great, low prices at garage sales. Often you’ll find stuff even cheaper than thrift stores.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

8 Unforgettable Cakes to Make for the 4th of July

What are you making for the potlucks and BBQs that pop up around the 4th of July? Here are 8 awesome ideas!

8 Unforgettable Cakes to Make for july 4th

The 4th of July is such a fun holiday! It is the prime time of summer, the days surrounding it are filled with food, family, fireworks and fun!  This year I plan to take a special sweet along to the festivities and I found 8 awesome ideas for a patriotic dessert for a crowd!

 

Patriotic Pound Cake
Red, White and Blue Ice Cream Cake
American Flag Surprise Cake
Watermelon Cake
Strawberry Poke Cake
Red, White and Blue Fruit Cake
Strawberry Jello Cake
Chocolate Covered Strawberry Poke Cake

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter
Sublime Media Connection
Mom It Forward: Blogger Network
Author Login