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.

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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.

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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

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5 Practical Gift Ideas for Men

5 Practical Gift Ideas for Men

Do you struggle to find the perfect gift for the man or men in your life? It’s not always easy to buy a gift for a man that he really wants and will appreciate. Buying a practical gift he will use regularly is the best way to overcome this problem. Below are some examples of practical gifts for men.

Royalty free photo

Electric Shavers

Most men groom themselves every day and a shaver is one of the most important items required. If the person you are purchasing a gift for has a razor that’s seen better days, this is your opportunity to give them something they will use on a regular basis. However, not all razors are the same, so you should take your time and look for the best electric shaver for men before spending your money on this type of product.

DIY Tools

Does the man in your life enjoy manual work and regularly carry out his own DIY projects? If this is the case, you have a huge range of tools to choose from. Electric tools, hand tools, work benches and a wide range of other items that make DIY work easier are all available from local hardware stores or from online stores.

If you have the budget and the gift recipient works on different types of projects, a range of tool combo options are available. This type of gift is very practical and these items will last a long time into the future.

Smart Phone and Accessories

A lot of older men are slower to embrace the latest technologies. You can rectify this problem by buying them a smart phone or a more modern phone than the model they currently have. A wide range of phones are available to suit all tastes and requirements. However, you may need to involve the recipient in the buying process because you don’t want to give them a phone they don’t like or can’t use properly.

A range of phone accessories are available too. Tripods, cases and apps are just some of the items you can buy alongside a new phone, or you could give these as a separate present if your man already has a modern phone.

Sporting Equipment

When you buy a gift for a man, it has to be something that he will use regularly. Sports related items fit nicely into this gift bracket. For example, golfers are always looking for new items such as golf clothing, waterproof clothing, new clubs and other accessories. No matter what sport he takes part in, there are items that will improve performance, protect or make the sport more enjoyable.

Car Related Products

For some men, their car is the most important possession they have. They can’t get enough car-related items, so once again this is a chance for you to buy a gift that he really wants and will use. Typical car related gifts you should consider include car seat covers, mats, a unique steering wheel and diagnostic tools.

When you decide to buy a man a gift, purchasing a practical gift makes the whole process a lot easier. The types of gifts mentioned above are just some of the practical gifts available that will be more appreciated than other items.

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A Mom’s Guide To Preparing Financially For The Future

Being a parent is one of the greatest gifts life can give you. Of course, that being said, it can also be one of the hardest. Forget the sleepless nights and terrible twos; I’m talking about the financial side of motherhood. The thing is, being a parent doesn’t come cheap, there are so many different costs to think about.

 

From the price of childcare to future costs like having enough money to send your child to college, should they want to go. Then there’s your financial future to think about and how you will survive later in life. Kids can obliterate your finances and leave you struggling for many years to come.

 

That being said, it doesn’t have to be that way. If you’re smart about your finances, you can ensure that your children have everything that they need while growing up. And also that you have some money left over to save for the future.

 

Write a list of everything you need to save for

 

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Sit down with your partner and write a list of all the things that you need to save for. This shouldn’t include monthly bills; we’ll get to those in a minute. This should include all the savings you and your family will need for the future.

 

For example, money to cover the cost of your children’s college fees and money for your retirement. You may not plan on having to pay for care once you reach your retirement but you might need it. All retirement services come with a cost. From Friendship at Home Continuing Care Services to residential care, and it’s important to ensure that you have enough put by to cover them. It’s also worth starting to save for any big family holidays now, such as that trip to Disney World you’ve been planning. That way you can ensure that you make it a reality.

 

Calculate your monthly outgoings against your incomings

 

The next step is to calculate your monthly outgoings against your incomings. Doing this should show the amount that you have leftover each month. This may be a small amount, but that’s okay, as I’ll share ways to cut costs a little later on.

 

Start off by writing a list of your bills so that you can see everything that needs to be paid for. Then add up a total amount and compare that to your monthly household income. Any money that’s extra should be saved for the future, no matter how small the amount.

 

Find ways to cut costs

 

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If you aren’t able to save as much as you would like to, it’s a good idea to look at ways that you can cut costs. Believe it or not, this is much easier than you would think, it’s just a case of being smart about your spending. When it comes to food shopping, shop at the cheapest place and only buy what you need.

 

For bills, ask your providers if there are any ways you can reduce your monthly bills. For instance, some companies offer a discount if you pay via direct debit. Instead of buying shop made sauces and meals, go DIY. You can save a huge amount of money (and boost your family’s health) by making all your meals from scratch. It’s small changes like this that make all the difference.

Hopefully, these tips will help you to prepare financially for the future. Family life can be expensive, but that doesn’t mean you can’t save for the future. It’s just a case of being smart about your spending.

 

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Should You Take A Loan For Home Improvements?

If you own your home, then you know that there seems to be a constant flow of repairs and improvements that need to be made, but sometimes the budget just isn’t there. So when faced with an array of projects but limited funds, what do you do? Loans are an option – in fact, there’s a specific class of loans for home improvements – but before you take a loan to handle home expenses, there are a few factors you need to consider.

1. Is It A Repair Or An Upgrade?

When your plumbing is leaking, it needs to be fixed. But what if you’re hoping to build a deck in the backyard? Any project that isn’t necessary is a poor subject for a loan. Don’t put yourself in debt for an improvement, but retain them as a safety measure for major problems.

2. Is It Urgent?

Sometimes something is broken, but it can wait. For example, you can do your dishes even if the dishwasher is broken, so long as the sink is fine – it may not be fun to do without, but it’s not the worst that could happen. Roof repairs, however, can’t wait and it’s much easier to find a loan for infrastructure repairs. What’s more, if you leave something like your roof in disrepair for too long, other parts of your home like the frame or floors may sustain damage, causing the costs to pile up.

3. How Much Money Do You Need?

If you’ve got your eye on a project that won’t cost much, but will cost more than you have on hand, a small loan that you can quickly pay off may not be a bad choice. Make sure you have a full grasp on the project before you jump in, however, because if you had a $1250 loan that you could pay off in a few months and then the project turned out to be much bigger, you could find yourself in a debt trap.

Get the most thorough evaluation of the project you can before you get started so that there won’t be surprise costs and have a backup option like a home equity loan as a backup in case there’s a bigger problem you need to address.

4. Can You Afford Quality Materials?

One of the biggest mistakes homeowners make when getting repairs done on their homes is cutting corners on the materials. If you can only afford to do the project with poor quality supplies, take a loan or wait. Using cheap materials will only cost you more when you have to replace them. Planned obsolescence is inevitable, but by purchasing quality you can push that timeline out.

There may always be looming home repairs, but it’s important to do them right, from funding to supplies and technicians. That’s why you need to carefully approach the prospect of a loan, or else you may default to it too easily and without thorough consideration. Let loan money bridge the urgent funding gaps and be patient with the rest. Those hoped for improvements are going anywhere.

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How To Save Money With A New Baby On The Way

Even if you’re a first time parent, you probably already know that babies are expensive. You need a lot of things, and tons of diapers. So how does one afford all of that, plus all of those hospital bills?

Hopefully you have a good job and some money in savings. However, even if you don’t have a lot of money you can still find all of your needs by being smart about doing your shopping, and planning that baby shower!

Make Sure Your Registry Is Set Up

When it comes to having a baby, especially the first one, a party is definitely in order. Your baby showers is one great way to get many of the things that you need, so make sure you have a checklist of all the things you’re going to need when baby arrives, for setting up your baby registry.

Then you need to make sure that everyone knows about your registry and where you are registered. With any luck you’ll get all of the stuff you need from your registry and that will save you a lot of money.

Shop Around

Don’t try to buy everything you need at the first store you stop at. Shopping around for the best price can save you some money. You can save even more money by shopping online for deals.

Do some research to find out when you can get the best sales prices on things like baby monitors and strollers. Flip through sales ads, even online, to find out what stores have what and then map out your trip so that you can save on gas and time.

Try Out Thrift Stores And Yard Sales

You can find a lot of the items that you need for your baby by shopping used. While there are some things you can’t buy used, since babies grow out of things so fast, buying used can be a blessing when it comes to clothing anyway.

You can find really cheap baby clothes at thrift stores and yard sales, sometimes new or like new. If you have recently done any baby clothing shopping you know that buying new can be really pricey. Stock up on stuff for a few months worth of clothing, in various sizes, so that you don’t have to rush back out in a few weeks to replace clothing baby is quickly growing out of.

Your baby is already going to make you feel like you are going broke just with food and medical bills, why go into debt clothing them if you can find some good deals by shopping around, buying used, and making sure to cash in with a baby shower before you have them!

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The Make Ahead Kitchen by Annalise Thomas/Cookbook Review

I am always looking for new recipes, especially with the kids being home for the summer. I am running out of ideas on what to make each day, normally we have quick breakfasts because we are all running around trying to all get ready for the day. I do enjoy more laid back days where I have more time to try new recipes and that is why I was excited to get a chance to review The Make Ahead Kitchen cookbook by Annalise Thomas.
make ahead kitchen

It is full of 75 slow cooker, freezer and prepared meals for the busy lifestyle.

Some of the meals are freezer meals and some you can prep a few days in advance. The book is broken down into 7 different categories:

breakfast

soups & salads

appetizer & snacks & sides

main dishes

cookies & bars

desserts

drinks

There are so many recipes I want to try I thought I would tell you about some of them that I can’t wait to make.

Overnight Baked Maple Pecan French Toast

Peanut Butter & Jelly Puffs- I am sure my kids will love these and not many ingredients needed to make them.

Cashew Chicken and Brown Rice Casserole

Easy Baked Mac & Cheese

Best Fudgy from Scratch Brownies- there is also a gluten free dairy free version for brownies

Butterscotch Marshmallow Chocolate Chip Blondies- I made these and they were amazingly good.

Butterscotch Marshmallow Chocolate Chip Blondies

Pineapple Cocconut Crumble Bars

Salted Caramel Frosted Dark Chocolate Brownies

Rhubarb Custard Cake

Fudge Truffle Cheesecake

I have been making a lot of smoothies lately and can’t wait to try the not so green smoothie recipe.

You can purchase The Make Ahead Kitchen by Annalise Thomas on Amazon-these are the prices currently-paperback $19.35 kindle version $9.99.

I really like this cookbook and can’t wait to make even more of these great recipes. I can tell it is going to be a summer full of baking.

Disclosure: I received the above book in exchange for a review.  I only recommend products that I use and believe my readers will like.. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.

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How to Purchase the Best Designer Jewelry

Designer jewelry electrifies everyone, isn’t it like this? It has a specific charm in it as its elegant, exclusive and adorable. However many people have doubts while purchasing designer jewelry, they get lost in the entire process and finally in most cases end up making a wrong decision.

• Trust the Designer:
Your designer is prepared and avant-garde with the patterns. Moreover, he can tell what will suit you and what to maintain a strategic distance from. So you ought to depend on his tasteful sense and consider his feelings. Give the planner the flexibility to utilize his own stylish sensibilities to make a conventional or contemporary look. Give the designer’s innovativeness a chance to stream uninhibitedly while he chooses your look from the great to customary to combination or contemporary to cutting edge.
• Quality check:
The most ideal approach to know whether your metal and gemstones are honest to goodness is affirmation. It is constantly vital to request declarations of legitimacy and never accept that it is genuine, taking into account its appearance. A keen purchaser is the person who doesn’t take anything at face esteem. Critical things to be remembered while purchasing originator adornments is the sort of configuration, amicability of materials, outline components, hues and compositions.
• Make a point of conjunction:
The gems piece ought to be the point of convergence of your look. The more contemporary understanding is to choose the focal piece and highlight it getting rid of the mess of further extra charms. The garments ought to supplement it, yet not detract from its brilliance. In the event that you are wanting to wear an overwhelming outfit, lighter and sensitive adornments will run well with it. Then again, on the off chance that it is a straightforward and unassuming clothing, locate an extravagant and rich piece.
• Not all that colorful:
Don’t go for an excessive number of hues in a solitary piece, rather pick the gems that runs with your skin tone. Gemstones with more profound hues are perfect for individuals with whitish composition, while pastels supplement individuals with reasonable appearance. Peacock shades in adornments are ok for the Indian skin tone.
• Face Profile:
What might suit you depends to a great extent on the profile and cut of your face. Somebody with a little neck ought to keep away from chokers and attempt pieces of jewelry which are around the neck (neckbands that begin underneath the neck). Chokers for slim and long necks look exquisite. Round-the-neck pieces of jewelry suit a large portion of the profiles. A solitary strong pendant hung long in dabs is a decent decision for overwhelming necks. Just about everybody with a flimsy face can try different things with chokers to longer pieces since it fits the thin shape while long adornments runs with expansive countenances. Also, individuals with longer confronts need adjusted hoops to add volume to the face. Those with a round face need to maintain a strategic distance from round studs and stick to thin expansive pieces. Likewise, outlines with open segments supplement round countenances impeccably by adding a breather to the look.

Nordstrom brings you ultimate shopping, especially with shopping destinations, Nordstrom coupons and brands. Feast your eyes on all branded and designer’s jewelry items, we give you what you really want and need.

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Alternative Living Options For Budget-Conscious Families

The world is changing. Which means that how people live is changing as well. And some folks, and some families, are a little bit ahead of the game when it comes to creativity – and they’re also mixing in a good pinch of budget-conscious choices that not only help them live a satisfying life, but allows them to do it in an alternative way.

Now some of these options are quite ready to have families with children going to school involved in the constructs, but for families outside of that need, there are some great ways to save money and live fascinating home lives with a few tilts of the standard perspective. Consider the following five living options that are just outside the norm.

Shipping Containers

Yes, it’s totally possible to buy a shipping container, deck it out with all of the modern amenities, and make it your perfect family-living castle. Does it take some time? Absolutely. Are your more traditional folks going to look at you with crossed eyes? Probably. But, it allows you to be creative, live in unique places, and can actually save you many, many thousands of dollars as opposed to typical housing.

Tiny Houses

And if you’ve read about the tiny house movement, that’s another option for people who want to save money and appreciate the freedom of movement more drastically that their typical counterparts. Once again, this isn’t really a great option for more than two people, but for budget-conscious parents whose children have already left the nest, it’s an amazing and alternative way to approach life that saves a ton of money and opens up a million new possibilities when it comes to approaching life.

RV Living

And if you need wheels, and a motor that moves you, to get your family from one place to another, you can choose to buy an RV and hit the road. Even on a small scale run where you’re only out for a few years at a time, there’s an incredible amount of money to be saved and experiences to be had.

Renting Homes Out

And an interesting way to make money by using your home as a selling point is by renting it out on an occasional basis. There are new companies that match people willing to rent out their homes for short periods of time (even a few days or weeks at a time) with people that need them temporarily, for business or vacation options.

The Core Of Minimizing

At the core of budget-conscious living, especially for families, is the idea of minimizing. The less stuff you have, the less space you need, and the less space you have to pay for. Not only do you save money by not having to buy things, you save money by not having to store or move all that clutter around.

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Saving Money, And Stress, When Moving

Moving is a stressful event, especially if you find you are doing it far too often. People that rent tend to move more often than homeowners, but not everyone has the luxury of owning their own homes. Sometimes you simply grow out of the space you are living in and need to move.

Or, maybe you need to move because of work. There are so many reasons people need to move, and whatever the reasons, it’s a lot of work. If you have children, it can seem even more stressful and like even more work.

Get The Kids A Job

Moving can stress out children and pets too. Change isn’t easy for the young minds of children, and since you can’t really speak to your pets in their own language it can be really hard on them. As far as pets go, consider boarding your pet during the moving process. This not only gives them some relaxation away from the commotion, but it also lessens the risk of a runaway pet while you are loading and unloading all your belongings.

As far as children go, you could send them off to a relative’s or friend’s house. Or, you could give them something to do to help with the move that will relax them and make them feel more like they are doing their part. It can be something as simple as holding the door or vacuuming a room once it’s empty.

Hire A Moving Company

If you really want to take a good deal of the work and stress out of your moving process you can hire some movers. Having someone else do the work for you can be a great relief and leaves you time for cleaning and planning how your new place is going to look.

Make sure to do some background checking on movers before you hire. Check reviews of their work, make sure they are insured and trustworthy,

Pack Properly (And Smartly)

Another, somewhat simple, way to help reduce the stress that moving can cause in your life is to make sure to pack stuff properly. Start off by packing room by room so that you can more easily unpack in your new place.

Make sure to pack breakable and delicate items safely so nothing gets broken or ruined while moving. Also, don’t pack too many heavy things together in large boxes. You’ll just end up injuring yourself or someone else in your family.

Once you are all moved and your home is put together and tidied up, take some time to relax and enjoy your new space. Start your time out at your new place on a good note, not as a stressed and frazzled mess.

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Budgeting For the Weather: Home Tips and Tricks To Save Money

Home budgets are made out of a lot of different parts, but one of the more consistent aspects of it that you can approach through the years is budgeting for the weather. And what this means in practical terms is that you pay close attention to weather and temperature related bills, and find out ways to save money on wasted energy.

A short list of items to consider for this purpose would be choosing the right siding for your home, sealing your windows and doors tightly, planning ahead for seasonal changes, using insulation in all of the right places properly, and doing both long and short term assessments of the cost and benefit of different repairs.

Choose the Right Siding For Your Home

One major way to save money on weather related conditions for your home is to buy the right type of siding. Especially if your home is old, siding can be loose or damaged, or it can be made out of materials that don’t hold up to the environment, or it could be constructed or installed in a way that allows energy to leak out through your walls. An investment in better siding is an investment against financial loss due to unnecessary energy costs.

Seal Those Windows and Doors

You can’t hear it enough times, and you can’t pay attention to it enough times all during the course of home ownership – make sure those windows and doors are sealed! It’s an easy fix in almost every case, only costs a few dollars to get the materials, and can drastically improve the indoor climate of your home while simultaneously saving you money on lost heating a cooling through cracks and breaks between the inside and outside.

Plan Ahead For Seasonal Changes

If you’re in an area where seasonal changes are understood and well-documented, you can plan ahead for weather changes in order to budget and save money as well. For instance, when the weather’s getting colder, instead of automatically ramping the heat up, simply have extra blankets around for the evening, and have warmer clothes to wear inside for a while. It’s a super simple solution that can save lots of money during transition states.

Use Insulation Properly

A lot of money goes straight up through your roof and out your walls when it comes to lost energy for heating specifically. If you don’t have the right insulation installed in the right places, you can practically feel the dollar bills flying away. Either have a professional come and do the job, or do the practical research to see what needs to be done, and inspect your insulation areas at least once per year.

Do Both Long and Short Term Assessments

One things that’s important when it comes to budgeting for weather is that you pay attention to how much it costs to save certain amounts of money. For instance, paying $300 for a new window with the purpose of saving $5 per month on energy may not be the best investment. So always do cost-benefit charts to make sure your budgeting makes logical sense as well as the environmental type.

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Ways to Save Money On Home Related Maintenance

As if buying or renting a home wasn’t expensive enough, there are all kinds of bills that pile on your plate the moment that you live on your own and are supporting yourself and your family. The reason that life is expensive is not necessarily because of your car payment or your mortgage or rent payment, it’s because you have to pay for the little things in life, every day of the week.

Beauty products, clothing, shoes, food, vitamins, furniture, gas, insurance, utilities…these are the things that eat up your finances. They’re little, and unassuming, but piled up, they’re the majority of your budget. If you’re looking for ways to save money, especially in the home, there are a lot of myths floating about that won’t really help.

To really save money on maintenance related things, here are ways to do so:

Shop Promotional Services

The laundry machine isn’t working, the garage door needs a new battery, and the air conditioning unit needs a new filter. These are all things that usually need to be worked on and fixed by professionals. Not only are you paying for the parts to do the maintenance on your home, you’re also paying for the labor of the person doing the work.

It’s a necessary expense, but it doesn’t mean you have to pay inflated prices for a service. To get your home maintenance done, shop promotional services. Companies put them on all the time to garner business. Hire them up for cheap, and maybe get yourself grandfathered into a decent rate for future work.

Do Little Things Yourself

There are a lot of home related things that you don’t need to bring in a professional for. If it has anything to do with electricity or has the possibility of becoming more expensive if you personally mess up during the process, hire somebody up, but otherwise, if you’re inclined, do some research and fix it up yourself. This way, you’re only paying for the materials and not the labor.

Bring in A Handy Friend

If you’re not a fix-it kind of person, you might have a friend who is who wouldn’t mind helping you out for no or little money. Call up a neighbor, a friend, or a friend of a friend and you might get a cheaper rate or labor for free. In addition to that, they might even teach you how to do the fix-it work yourself so next time around you won’t have to call anyone up at all.

Buy Quality to Begin With

Many folks like to buy cheaper utilities, appliances and fixtures when they move into a place, and sometimes this works to their disadvantage. Cheaper things have the tendency to cop out earlier and have more problems. When you invest a little money on the front end to secure a good product for yourself, you might just save yourself money in the long run when your fixtures don’t need replacing in 5 years time.

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3 Important Reasons to Open A Family Emergency Savings Account Today

In spite of the well-known importance of an emergency savings account, two-thirds of American households still fail to save even $1,000. What does this mean for families? For most people, falling on hard economic times is not a matter of if but a discussion of when. Life is uncertain, and having a backup plan to keep food on the table for your family is critically important.

While some experts argue that the crisis of savings is mitigated by the fact that many Americans can utilize credit, the reality is that some problems cannot be solved by swiping a credit card. Additionally, the very people who are the most likely to fall on difficult financial times are likely to lack the credit score necessary for emergencies. Having an easily accessible savings account is by far the best option for weathering financial storms. Included here are a few reasons your family needs an emergency savings account.

Addiction

With nearly 24 million Americans addicted to some kind of substance, many homes have already been touched by the economic downturn that can occur with an addiction. Unfortunately, there are still thousands of Americans who believe addiction is an external problem, or something that happens to other people. Addictions can permeate even the most secure of homes, leaving economic destruction in its wake.

The cost of maintaining an addiction can be enormous, even in the most financially secure of homes. Because humans begin to develop tolerance for substances, they require greater quantities, resulting in a cost that exceeds their means. Within a few months, your family could go from financially secure to bankrupt. By implementing a savings account early on, you will have the means available to send your loved one to rehab before their situation worsens.

Medical Emergencies

As populations begin to live longer, their bodies are exposed to far more chemicals and toxins that increase their risk of cancer and other health problems. The rate of cancer diagnoses has continued to increase as populations age. A disease like cancer can be devastating on your finances and leave your family reeling for years.

For other common medical costs, take a look at the typical uninsured pregnancy. The average American birth costs upwards of $20,000, less if you choose to do a homebirth with midwives or go unmedicated. Having your appendix removed could cost you $33,000 and a simple broken bone can cost as much as $2,500. All of these common life events could be devastating for an unprepared family.

Job Loss

Economic stability in America continues to proceed in constant flux. Many industries see expected downturn while others are unexpected and forced to lay off workers. Losing your primary earner for your home can be devastating for the family. Having a savings account that covers at least six months expenses can help ease the stress of job instability.

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4 Things That You Will Change Once You Get Married

Though many people decide not to get married, it’s still a very popular occurrence in and around the world. Many people have the practice of living with their significant other before they get married to test the waters, as it were. Some believe this is fine, others aren’t hyped on the idea, but in any case, those who do this go through the cycle of change a bit faster than those who decide wait until marriage to live together.

Marriage is a very serious commitment. Many are too quick to call things quits when the waters get rough. Maybe that’s the appeal of not getting married. There’s less of a commitment and less of a jump. If things go wrong, it’s much easier to abandon ship.

Wherever you are at in life and love, here are 5 things that will change once you get married.  

You Learn About The Importance of Communication

When you’re not in a serious relationship, it’s easy to not take communication seriously. If you don’t text somebody back or you don’t see them for a couple months, it’s not that big of a deal. When you get married, that’s not how things work. If you don’t keep in contact and communication with your spouse, things get very shaky very quickly.

It might not seem like a big deal when you emotionally explode at a friend, or you treat them in a way that is less than they deserve. You’ve both got separate lives. You can be apart, ignore what happened, and come back pretending like nothing ever happened. If you do that in the context of marriage, the marriage will fall apart. You’re bound to this person. You’re committed to be there in health and disparity. If you bail every time a problem arises, you’ll never have a marriage that lasts. It’s as simple as that.

You Have Lots of Joint Decisions to Make

Independant life is much easier than married life. You can make a decision solely based on how you feel about a subject with little repercussions on anybody but yourself. In the context of marriage, you have two options to contend with.

For example, there are steps to buying a house and there are steps to having children or choosing career paths. If you can your partner can’t agree on when the necessary time to take those steps are, things will be difficult. You have to learn to communicate and make decisions together. This will require compromise, but in the realm of marriage, compromise isn’t always a bad thing.

You Have to Sacrifice Time

As much as communication and joint decision making is a part of marriage, another huge part of marriage is the sacrificing of time. You might want to do certain things with your time and life, but when you’re married, you have to talk to your spouse to find out if what you want to do with your time is okay with them. You and your spouse might spend all day at work. When you come home, you need to spend quality time together.

You might want to disappear and have alone time somewhere, but you’ve not been with your significant other. Time is a huge part of a healthy marriage. YOu don’t have to be with them all the time, but you will learn the value of sacrificing your own time to please your love and make the marriage work.

You Always Have a Partner in Crime

Many of the things associated with marriage seem a bit negative, but it’s actually very joyous. If you have true love, you’re constantly changing on a day to day basis. Through your partner you’re learning to be more selfless, you’re always being forced to look at your own heart and reactions to situations, and you’re becoming a better person.

Marriage is meant to be something that builds you up. You’re being loved no matter your faults and you’re iron sharpening iron. You’re rarely alone. If you ever need somebody to do something with, your spouse is right there committing to do it with you. You will always have a partner in crime. That’s a far cry from sitting alone on 4 Things That You Will Change Once You Get Married

Though many people decide not to get married, it’s still a very popular occurrence in and around the world. Many people have the practice of living with their significant other before they get married to test the waters, as it were. Some believe this is fine, others aren’t hyped on the idea, but in any case, those who do this go through the cycle of change a bit faster than those who decide wait until marriage to live together.

Marriage is a very serious commitment. Many are too quick to call things quits when the waters get rough. Maybe that’s the appeal of not getting married. There’s less of a commitment and less of a jump. If things go wrong, it’s much easier to abandon ship.

Wherever you are at in life and love, here are 5 things that will change once you get married.  

You Learn About The Importance of Communication

When you’re not in a serious relationship, it’s easy to not take communication seriously. If you don’t text somebody back or you don’t see them for a couple months, it’s not that big of a deal. When you get married, that’s not how things work. If you don’t keep in contact and communication with your spouse, things get very shaky very quickly.

It might not seem like a big deal when you emotionally explode at a friend, or you treat them in a way that is less than they deserve. You’ve both got separate lives. You can be apart, ignore what happened, and come back pretending like nothing ever happened. If you do that in the context of marriage, the marriage will fall apart. You’re bound to this person. You’re committed to be there in health and disparity. If you bail every time a problem arises, you’ll never have a marriage that lasts. It’s as simple as that.

You Have Lots of Joint Decisions to Make

Independant life is much easier than married life. You can make a decision solely based on how you feel about a subject with little repercussions on anybody but yourself. In the context of marriage, you have two options to contend with.

For example, there are steps to buying a house and there are steps to having children or choosing career paths. If you can your partner can’t agree on when the necessary time to take those steps are, things will be difficult. You have to learn to communicate and make decisions together. This will require compromise, but in the realm of marriage, compromise isn’t always a bad thing.

You Have to Sacrifice Time

As much as communication and joint decision making is a part of marriage, another huge part of marriage is the sacrificing of time. You might want to do certain things with your time and life, but when you’re married, you have to talk to your spouse to find out if what you want to do with your time is okay with them. You and your spouse might spend all day at work. When you come home, you need to spend quality time together.

You might want to disappear and have alone time somewhere, but you’ve not been with your significant other. Time is a huge part of a healthy marriage. YOu don’t have to be with them all the time, but you will learn the value of sacrificing your own time to please your love and make the marriage work.

You Always Have a Partner in Crime

Many of the things associated with marriage seem a bit negative, but it’s actually very joyous. If you have true love, you’re constantly changing on a day to day basis. Through your partner you’re learning to be more selfless, you’re always being forced to look at your own heart and reactions to situations, and you’re becoming a better person.

Marriage is meant to be something that builds you up. You’re being loved no matter your faults and you’re iron sharpening iron. You’re rarely alone. If you ever need somebody to do something with, your spouse is right there committing to do it with you. You will always have a partner in crime. That’s a far cry from sitting alone on Valentine’s Day, netflixing and chilling.

 

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