Thursday, August 11, 2016

Things I wish my kids knew

I'm sure you have a list of things you constantly tell your kids. Turn off the lights when you leave a room. Be kind to others, always. Money doesn't grow on trees.... etc.
There are some things I feel like I am constantly telling my kids. Things that I wish would stick and I would have to constantly repeat them. These are the things I wish they knew.


  • Electric actually does cost money. If you can use natural light instead. Turn the lights off when you leave a room. Don't leave your tv or games running when you're not using them. 
  • Germs really are EVERYWHERE!!! Yes, you have to wash your hands before touching food. I don't care if they don't look dirty. Always Always Always wash your hands after using the bathroom, even if you didn't touch anything. (This must be a boy thing, I don't know?) Handwashing slows down the spread of germs and think about the person after you who has to touch the same doorknob you just left germs all over. 
  • Mom does NOT mean maid. I will do what my kids are incapable of doing for themselves. However, at a certain age, they need to learn to do it themselves. Even a 2-year-old can pick up toys. 
  • You don't know everything! (This is for my tween boy who has recently become a know it all and not in a good way.) 
  • Who cares about the latest fashion trend? BE YOURSELF!! If you like the fashion trend that is one thing, but don't let peer pressure or fear of not fitting in make the decision for you. 
  • How much I love them! (This one I don't mind repeating many times a day) I encourage you to tell your kids how much you love them. Parents no days don't say it enough. Tell them how you feel! 

Some other posts you might be interested in:
Mom's on a budget
When you feel like you can't go on
Cheap or free family fun
10 ways you can help someone who is sick
How I clean with kids

Wednesday, August 3, 2016

Mom's on a budget

I get asked all the time about how to budget. I've been married now for 11 years (As of August 5th) and a mom for 10 years (This September) While I'm no expert, I do have a few pointers and tricks up my sleeve that I've learned over the years.  

Mom's on a budget


Image courtesy of pazham at FreeDigitalPhotos.net
(This post may contain affiliate links. If you make a purchase I will receive a small commission at no extra cost to you.) 

  • Start off by figuring out what your total monthly income is. (If you tithe' take 10% of your total income)
  • Next add together all of your monthly bills. (Don't forget to add bills that may be every 3 months. For us this is water.) 
  • Subtract your monthly income minus your total monthly bills. This way you have an idea of what will be left each month. 
  • Decide how much you will need for groceries.
  • Decide how much you will need for gas.
  • How much will you need for car repairs, regular car maintenance; such as oil changes, new tires, brake pads, etc.   
  • What about birthdays, anniversaries, etc.
  • Do you have a savings account? If so how much will you put in it, and how often? 

Once you set a budget stick to it!   

You have to expect that gas and the price of groceries will rise and fall. But how do you plan for that? Here are a few ways.....  

  • When you grocery shop, don't be afraid to shop around. Make a list of what you need. Check sale ads for the best prices. There are a few websites that will actually put the coupons and sales together for you. How simple is that? They do all the work and you just shop. You can print coupons here!

     http://www.shoppingwithshana.com/
               http://thekrazycouponlady.com/ 
                http://www.krogerkrazy.com/ 
     
  • Match sales with coupons! (See above)
  • Stock up when you have rock bottom prices and coupons. When you stock up you won't be forced to pay high prices when you run out.
  • Menu plan. When you have a menu plan, you're not scrambling at 5p.m. wondering what to cook. You're also more likely to cut down on fast food which is healthier and saves you money.
  • Crock Pot meals. Save times when you can simply put everything into your crockpot and walk away. You could get so much done while dinner is cooking without having to babysit it. 
  • Freezer meals. This goes hand in hand with menu planning and crockpot meals. You can simply take something out of the freezer and pop it into the oven and it frees up more time. Same goes for crockpot meals. (NOTE: thaw meats and poultry in the fridge first to keep from causing any illness). 
  • Shop at thrift stores or second-hand stores.
  • If you sew you can mend or patch your clothes to help them last longer. If you're really good you can even make your clothes. (I'm not that talented)
  • Hand-me-downs are great, not only for kids but adults too!    

If you have no idea how to set a budget and can't afford a financial advisor, maybe you could ask a friend or mentor for help.

Check in once in a while and let them know how everything is going and don't forget to thank them for their help.
You might also read these books:
  • Dave Ramsey The total money makeover.
  • Crystal Payne The Money Saving Mom's Budget .
You can buy them or see if your local library has them and borrow them for free!
  
 
 

 

Here are some other posts you might enjoy

Benefits of a Sam's Club membership                           Cheap or Free family fun

Cheap or Free family fun night ideas                            At home date ideas 

Date night on a budget                                               Ways to make money from home 

Ways to save money                                                  How to earn money for the holidays