Sick and tired of being in debt? There's one weapon in your personal finance arsenal that can inflict more damage on your debt than any other. That weapon is a budget. Want to know why budgeting is important? Does budgeting really even matter? There are numerous benefits to creating and maintaining a household budget. A well-crafted budget is a crucial asset for families seeking to: Curb excessive spending Resolve past debts Afford major purchases Save for college funds or … [Read more...]
Flat Diapers: Old-Fashioned and Awesome!
One of the biggest ways that parents can save money is to use cloth diapers. Now wait, don't immediately tune me out! I bet you've seen some surprisingly large price tags for fancy new diapers. What if I told you that you could put several kids through cloth for just over $100 worth of flat diapers and covers? That's right, flat diapers. The very same old fashioned diapers that your grandma used! After a decade of using cloth diapers, I'm happy to announce my favorite workhorse … [Read more...]
How to Start Saving For a House: 5 Tips for Success
For most Americans (or Canadians, or Brits -- hello there!!), the biggest purchase we'll ever make is our house. Unfortunately, many homeowners find themselves waking up to a nightmare after committing to their home mortgage. Want to know how to start saving for a house, the smart way? Read on... My husband and I took the plunge and began building our cozy home in the woods very shortly after getting married. As a side note, I'm contemplating naming our home. Do you think that "Bairnstowe … [Read more...]
Is an Apple Watch worth the cost?
Two years ago, and after much debate, my husband bought an Apple Watch. Then, he bought me one too. Thanks, honey! But honestly, I was a reluctant giftee. "How can such an expensive watch be worth the cost?", I thought. After a week of owning my Apple Watch I was still skeptical, but warming to the possibilities. Within two weeks I was sold on the value of an Apple Watch. By the time one month passed, you would have needed to pry the watch off my cold, dead, body. We were … [Read more...]
3 Easy Ways to Save Money Without Breaking a Sweat
Our family of 7 is working hard to pay off our remaining debt. We're always on the lookout for easy ways to save money. Over the years we've found a lot of cool ways to save on our expenses. In fact, I've included a huge list of these money saving tips in the FREE Hack Your Financial Future e-course. Today I'm sharing with you 3 more easy ways to save money this month. Whether it's to help pay down debt or simply to stock away some extra spending cash, families just like us are looking … [Read more...]
Should children be paid for chores?
Many parents give their children an allowance for completing chores throughout the week. But is this a positive form of motivation? Or is it damaging to the child’s mindset in the long-run? Unfortunately, the answer isn’t clear-cut. Some people swear by giving children an allowance to complete their chores. Others think it’s just a form of negative bribery that teaches children not to do something unless they get paid. Let’s go through the arguments on both sides. The Pros … [Read more...]
Cheap GoPro: Make Awesome Movies Inexpensively
Looking for a great deal on a cheap GoPro? Read on to learn how I've found the best deal on these sweet little action cameras. I always thought that GoPro cameras were a sort of "Facebook phenomenon". You know what I mean! Everyone on Facebook has one, but in real life they're a waste of time, right?! I believed that up until my husband decided he wanted to make a video of our first international adventure since having children. What better than to capture our epic adventure (to … [Read more...]
5 Smartphone Apps That Can Help You Budget and Save Money
It is one thing to have a budget down on paper. It is an entirely different process to use your budget when you are out and about. Once you have made a few purchases, you may not realize just how hard those purchases have hit your budget until you plug in the numbers at home. By then, you may have already ruined your budget for the month. We live in an age where virtually everyone is attached to his or her smartphone. While some may argue that this is a bad thing, it can be a very good thing … [Read more...]
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