Budgeting

Learn how to budget and take control of your finances and budget better.

Epic Ways To Teach Kids About Money – At All Stages

Teaching Kids About Money – Progression

Teaching kids about money
Teaching kids about money at all stages

 

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.

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Easy Budget 2021 – New Year, New Budget

Easy Budget 2021 – New Year, New Budget

Easy Budget with Simple Budget Categories - Learn how to budget better and get control of your finances! #savemoney #budgets #budgeting #personalfinance #moneytips
Easy Budget with Simple Budget Categories

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 pay 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 2021 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!

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Gift Guide for the Lady in Your Life

Gift Guide for the Lady in Your Life

Gift Guide for the Lady in your Life
Gift Guide for the Lady in your Life

Do you still need to do your Christmas shopping? Wondering what to get the lady in your life? Sometimes the people closest to us are the hardest to shop for.

It takes time to search the Internet or brave the mall to pick out a gift for your girl! Instead of using your weekend to shop, take some pointers from my gift guide below and you will have a happy momma this year!

No worries if you are a last minute shopper. These gifts are all found on Amazon which offers two-day shipping. This is a great time to sign up for that free trial of Amazon prime if you are not a member. You will get free two-day shipping and will have a no hassle Holiday. Try Amazon Prime 30-Day Free Trial

So if you don’t want to brave the retail lines this week, shopping online is still a great option. I’ve compiled a list of gifts for you that are budget-friendly and a one-stop shop… Amazon!  There is still time to shop all these gifts listed below and you will receive them by Christmas.


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How I Earned an Extra $250 for Christmas Shopping


Make $250 for Christmas Shopping
Make $250 for Christmas Shopping

Make $250 for Christmas (or anytime) – Money Making Ideas

*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 means 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.

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Save Money on Holiday Shopping


How to save money on Christmas Shopping

Christmas Savings
Christmas Saving

I used to crave the excitement of Holiday shopping. There was nothing like the gorgeous decorations, great deals, and shopping around from store to store. The mall looked like a regular old winter wonderland! As always, Holiday spirit filled the air.

Boy, times have changed!! After  having two kids, I now try to avoid anything with an early wake up, large crowds, no parking and a line with more than one person.

Although I love a good deal like the next person, I am skipping the Black Friday and mall lines this year and shopping from home!

My goal is to be stress-free this Christmas. Furthermore, you can too with these simple easy tips listed below!

Use my tips to avoid a head ache and bankruptcy this Christmas! Here’s to a whimsical Holiday Season. Let the shipping begin!

Ways to save

1. Ebates-This site actually gives you money back for shopping online and it is totally legit! You also get a bonus for signing up and making your first purchase. When I first signed up I got a ten-dollar gift card for Target and have been using them for over five years! Click here to sign up!

2. Groupon goods – There are many awesome discounted gift ideas on Groupon and right now you can get 6% back if you click Groupon through your Ebates account.

**TIP – I often wait until they have a 20% off coupon code, as well. They usually offer them at least once or twice a week.

*GIFT IDEA– Groupon has personalized children’s book on sale right now for around $8. What a great gift idea for the baby boy or girl in your life.

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