We all know credit cards are dangerous, yet if used correctly, they can actually be very advantageous. There are an array of cards available that offer points, rewards, airline miles, statement credits and YES, they are all very lucrative. However, if you do not know how to use your card to your advantage, you could be digging yourself into a whirlwind of debt. It is estimated that the mean credit card debt for the average American is $5,700. (Source ValuePenguin)
With this amount so high, I’m not suggesting you use your card to go on a spending spree. (Although that would be fun!) Nonetheless, I’m offering some advice to help you build credit and earn some of the amazing rewards these plastic gems have to offer.
Let’s change that $5,700 figure around and let the cards work in our favor. If you are sick of being one of the people that pays interest on your card and gets nothing in return, keep reading…
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Imagine you wake up, get ready for work and start to walk out the door. Suddenly you step into a puddle on the carpet. The next step is an even bigger puddle! What is this? Why is the carpet drenched? After searching more, you realize your water heater has flooded! (True story)
Imagine sitting in your miserably hot house because your air conditioner broke. The unbearable 90 degrees humid weather creeps in and you and your family are left hot and crabby! (True story)
Both of these situations happened to me and my family. These were times when we needed a large amount of money to fix the situation at hand. Fortunately we had an emergency fund saved to ease the burden of these surprise bills. Whether it be your water heater, new roof, health emergency, car accident or any other situation with a surprise bill, there are times in life when you need extra money above your regular budget. (Budgets 2017, New Year, New Budget)
Kids learn at different ages and different stages. With that being said, one important lesson every parent should teach is the power to be in control of money. According to CNBC.com eight out of ten people are in debt in the United States alone. Moreover, wouldn’t it be amazing if your kiddo was one of the two out of ten that are not in debt?
“Mighty Oaks from little acorns grow.” anonymous proverb
If you teach your child basic money lessons through-out all stages of development, he or she will then be able to handle finances as an adult. Therefore, starting early is the key! Plant the seed and your child’s money IQ will grow. You can begin a solid money foundation with your child. This will be in your best interest, because they will not ask you to borrow money!
How early is too early? Children can understand the concept of money at a very young age. My two-year old knows that we have to pay for items when we go to the store and he helps me hand our groceries to the cashier upon checkout. Nonetheless, I was just telling my four-year old son how much money I have in my retirement accounts and he asked me if I had interest and investors. Kids are little sponges and they soak up what they hear mommy and daddy talking about. I’m not saying my son really understands what investing is, but he will one day. Start those conversations and be open about money with your kids.
As you continue reading, this post will give you ideas on how to begin teaching your child about money. You will find age-based examples to help guide you in your money-teaching quest. Furthermore, I am a former teacher and if there is one thing I love, it is teaching kids real-life skills.
Money fails and finds…We’ve all had them. There are the times when we wanted to save an extra buck or two but ended up spending an outrageous amount. Saving money isn’t always fun. At times, it is down-right difficult. Not to mention, spending money is more fun, right! I’m with you! However, sticking to a budget, when you are clearly not rich, will help you live a stress-free, happier life.
On the contrary, it is amazing to find money. For example, think of the day you put $10 in your pocket and then put those pants away for the winter. Spring cleaning rolls around and you are $10 richer! Finding extra money is the best feeling.
Yet, coming into money shouldn’t be so arbitrary. Finding concrete ways to save money will help you in the long-run. (Check out my Budgets 2017 – New Year, New Budget Post for help on this.)
Sharing Our Stories
Today I’m going to share some examples of times I failed at saving money. Although these were money mistakes, these failures led me to growth. Hence, a money mistake is never truly a mistake if you learn from it.
Money making apps are becoming extremely popular. Many of us are just trying to get by with our regular jobs. Then there are the families living off of one income, like mine. So some extra cash here and there can really help out. Especially when you are earning income for something you already do, like grocery shopping or trying to get rid of unwanted clothing.
Moreover, these money-making apps are awesome at adding supplemental income and time-savers because you are not clipping coupons! So pull out your smart phones and get ready!
Some of the Apps listed below require some work, but are by far, my favorite ways to earn a side hustle, as they like to say now days! However, they are all user-friendly and worth your time! Especially if you are looking for some play money or want to budget for next month’s grocery bill.
This post contains affiliate links. If you click a link and make a purchase or use a code, I will receive a small commission at no cost to you, so thank you!
Do you love saving on your grocery bill? Me too!! It is a needed expense and at times it can chip away at your monthly budget. I’d like to lower my grocery cost but with two kids and a husband, we are mainly buying budget food we need and we don’t really go overboard. (Well, maybe a little at Costco)….
Luckily, there are ways to help the average person save! The Ibotta app actually gives you money back on your grocery bill and other items you buy!!
I’ve been using Ibotta for around two years! It saves me the hassle of always having coupons with me. Although, you can stack coupons with this app.
Ahhh… The New Year is upon us. Many look at the New Year as a time of reflection. A time to reevaluate what is working in our daily lives and what needs a facelift. Yet, in all the Holiday hustle and bustle, we forget to reevaluate one important thing…our budget. After the Holidays, many are left with mounds of credit card debt and are left thinking, “Now what?” Where are the funds to cover the debt. or to pay the bills?
Moving forward, it is best to enter the New Year with a fresh outlook on your budget, among all the other resolutions that come to mind. Furthermore, you are reading this post, so you are making a step in the right direction. As you plan out your resolutions, keep your budget as a top priority! Staying within your budget in 2017 will help everything else fall into place like a key into a lock. With a few simple budget calculations, this will be a great year for all of us, my friends!
Poshmark is my new favorite way to make extra money. In this review I will give you the ins and outs of Poshmark and let you know why I have grown to love using this app for buying and selling! (Post updated Jan. 4, 2017)
If you feel this app if for you, use my code NXUIA when signing up and you will receive a $5 credit. (If you use this link I will be awarded a $5 credit as well, so thank you!)
This post contains affiliate links. If you click a link and make a purchase, I will receive a small commission at no cost to you.
Need a little extra cash? Need to clean out your closet? Then this is the website for you.
I was in a dilemma after having my two boys. Moreover, I had many items in my closet that I stilled loved but unfortunately they did not fit me. Yet, I continued to hope I would go back to my pre-pregnancy body and held on to my beloved clothes! After all, I used to be a teacher and enjoyed my dressy work clothes, planning my outfits each week and feeling great when I stepped out the door. These clothes were part of me! I wanted to keep them!
However, after a few years of holding on to these, some almost new items, I read about an app called Poshmark in a magazine. I decided to clean out my cluttered closet and give it a try.
After being on the website for about six months, I have already made around $400. All you need is a good picture of your item. Next upload it with the information (size, condition, description, price) and you are good to go. It helps to style your item or give your buyers and idea of how to style the item in the description. You are selling a lifestyle!!
Follow as many people as you can and most will return the favor and follow you. The more followers you have, the more people will see your items.
Also, share your items often. They will then come up on your followers news feeds and other people (hopefully with more followers) will share your items. All of this is really easy within the website. (more…)
*This post contains affiliate links! If you click on or use my codes I will be compensated and will be very grateful, but if you choose not to(I’m not pushy), please enjoy and use the information!!
Christmas time can be such a fun time of the year…Greeting family, delectable food, and let’s not forget the yearly gift exchange. However, not everyone can enjoy this splendid season because of financial woes and worries.
So many of us feel the financial strains and stresses this (suppose to be beautiful) season brings!! We want to shower our loved ones with nice gifts but do not always have the financial mean to do so! If you are in this boat, I’m here to help!
I’ve compiled a list to help save an upwards of $250 in the next month to help out with Christmas shopping (or anything else you need)! I’m using many of these myself and am proud of the fact my husband won’t have to buy his own gift this year. Furthermore, I’m wishing everyone the best now and for years to come! Let’s go out there and make this Christmas shopping “thing” happen! Read on…
Money Making Ideas
1. Poshmark App (clean out your closet)-This is the main way I have personally earned extra money for Christmas shopping! All you need is a good picture of your item. You can sell woman’s, men’s and children’s clothing on this site. Print off your pre-paid shipping label and send it on its way. If you don’t like selling and shipping, you can send your stuff to Poshmark concierge and they will do the work for you. Sign up now using my code NXUIA and you will get a $5 credit to spend on your first purchase. (keep your eye open for a related post-what sells on posh) – I made $170 selling my old clothing and shoes.
2. Mercari-This site is not just for clothing. You can sell anything and ship it to the buyer (kind of like an online garage sale). You can use Mercari’s prepaid shipping or use your own. Use my code UYYBUS to sign up and get a $2 credit on your first purchase.