Category Archives: General

Money-Saving Tips You’ll Absolutely Love

savings

NOTE: This is a guest post

“Save money and money will save you,” the saying goes, but for many people, the practice of saving money is easier said than done, no matter how hard they try.

With all the bills, grocery items, and other expenses to pay for, most of the time the only savings to speak of is what we have left, which would then be spent on the other things we forgot: a promised donation to charity, a replacement for a broken coffee maker, or perhaps a child’s school project.

There must be a way to save more money, you think, and indeed there is. Here we have not just one, but four of the easiest ways for you to save money and in turn, save yourself.

Inexpensive Ways to Stay in Shape

Do we need expensive gym equipment or a gym membership to stay physically fit? No, there are many ways to stay in shape without spending a lot of money. Staying fit will also reduce medical bills and increase your energy.

Drink water

Water is cheap from the tap and it does the most to keep us healthy. Water cleanses our system and keeps our blood flowing. Drinking enough water prevents headaches and so many other health problems. Generally, you need to drink eight glasses of water a day or half the ounces of your bodyweight in pounds.

Find Affordable Babysitters and Daycare

We all love to spend our time with our children, but many of us work or need some time away. For this, we need daycare or a babysitter at an affordable price. How can we find affordable caretakers? You may need to be creative for some of your daycare needs.

Find a Support Group

Several years ago, I read Nickel and Dimed by Barbara Ehrenreich. (I don’t recommend this book.) The author moved to each place to find a job and a place to live on minimum wages. She went to every place without a community of support and, thus, “failed” to get by. From the many times I moved, I always found a support group with a local congregation of my church. I had friends and support within a few weeks of moving to a new place. What a blessing—but one I had to look for.

Curbing Addictions to Save Money

Many of us have our guilty pleasures to deal with stress as a parent. Some of us may overeat or escape too often in entertainment. For me, I like my sugar, books, and TV shows. These cost me extra money, so it would be a good idea for me to practice moderation more often.

So how can you and I curb our addictions and save money in the process?

Be Honest and Identify the Addiction

Be honest as you work to identify any addiction. An addiction is a compulsion to have or do something that is sometimes harmful or done in excess. Almost anything can become an addiction. You can recognize an addiction if it negatively impacts your relationships, finances, or mental and physical health. Ask family and friends to help you identify any addictions.

Inexpensive Entertainment

Sales reps come by my house several times a year and offer “great” cable and satellite TV deals. We tell them we’ve found better options for TV entertainment and movies. However, we do have to practice patience that we often won’t see the latest episode. But the cost difference makes it worth it.

First, we have an antenna so we get broadcast television for free. We only had to pay for an antenna we can use for years. We avoid watching broadcast TV most of the time because of commercials.

Teaching Children about Money

teaching kids about money

As moms, we want to instill lifelong lessons about managing money into our children’s brains. Children gain self-confidence as they learn to manage their own money.

Set an Example

Children learn the most through osmosis. They observe and mimic adults from an early age. So how you spend or save money matters from the beginning. I want my children to follow my positive example, but not my negative example. If you need to improve, like me, you can begin now. We can show restraint and buy only what we can afford and set aside savings. Or work on getting out of debt.

Don’t Go over that Rock!

thinking cap

So, I do stupid things all the time and sometimes they can cost a lot of money. I feel so chagrined and I want to hide out for a few days. My husband is telling me that life happens. It does. I suppose I can only learn from my mistakes.

My kids and I were coming home from Grandma and Grandpa’s house early, so I decided we needed to do some more outdoor activities. My son had asked about climbing a hill several times when we’ve passed it going to and from my parents’ home.

Sleep Makes You More Productive

sleep

I went to bed after 11:00 pm again last night and my head aches and I’m struggling to keep my eyes open. I want to make cherry jam, write articles, and spend more quality time with my kids, but my body won’t cooperate. So was it worth it to read a novel last night? Of course it was!

My productivity decreased today and it has cost me money. I could’ve made cherry jam, which is more expensive than grape jelly. I could have written more and earned a few extra dollars. I wouldn’t have spent money on painkillers. I could have read my novel during daylight without turning on lights. The list could go on.

Give it the ol’ 24 Hours

tv purchase

You walk into the store, and there it is! That new 55′ wide screen tv you’ve been wanting to upgrade to! And it’s on sale! You can so totally afford this. I mean, you may have to cut back on some things, but you HAVE to have this TV! Plus, if I act now I only have to pay $49 per month for the next 48 months!

In a single moment we can justify buying things whether it be a large expensive TV or a cute pair of shoes that we really don’t need. Whenever you find yourself at this crossroad you should always give it the ol’ 24 hours of thinking on it before making big purchases.

Saving Money With Store Loyalty Programs

While shopping is about spending, it can also be a chance to put something back into the budget. For instance, if the budget for food items in particular shopping list is $200, $5 minimum can easily be cut out. Start off with small goals and build upon them. Shopping for moms is such an ideal chance for saving some money and putting it back into the general welfare of the family. This is just one of many ways that stay at home moms can help contribute to the family budget!