Simple Habits of the Millionaire Next Door (That You Can Do Too!)

Simple Habits of the Millionaire Next Door (That You Can Do Too!)

Over and over again, it’s been studied that what everyday millionaires do, is actually quite simple and they’re not who we think they are. So I’ve taken some of the best of the best tips from some ‘everyday millionaires’ and put them together for you.

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The 7 Pieces of Financial Protection Every Family Needs to Have in Place NOW

The 7 Pieces of Financial Protection Every Family Needs to Have in Place NOW

As parents, we all want only the best for our children, and for our children to have even better lives than we did.  I see families on a weekly basis who struggle financially. Take these 7 steps to protect your family and sleep well knowing that they’re covered in case something happens to you.

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How To Ask For A Raise (And Get It!)

How To Ask For A Raise (And Get It!)

Let’s face it. Asking for a raise is one of the hardest things for most people to do. We’re often afraid we’ll get shut down, be looked at differently, be asked why or make it an awkward situation between you and your boss. I want to share some tips on how to make it less awkward and more powerful.

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April Showers Grow Free Flowers

April Showers Grow Free Flowers

Create your April spending plan now and be prepared by checking out the 9 categories listed below that can easily get overlooked. And don’t forget, budgeting is a team sport if you’re married! Sit down after the kids are in bed with your favorite beverage in hand and make it a plan you both agree on.

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February Budget Items

February Budget Items

I know it’s not the most romantic event in your marriage, but sitting down to discuss your family finances and doing a budget together at least monthly is one of the healthiest things you can do for your marriage. It’s critical that we dream together and share common goals so that you’re working tandem to achieve them.

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Ring In The New Year With A Superb Spending Plan

Ring In The New Year With A Superb Spending Plan

It’s said that a DREAM written down with a date becomes a GOAL. A GOAL broken down into steps becomes a PLAN. A PLAN backed by ACTION becomes REALITY. Think of your budget as your plan. Following your budget will help make your dreams a reality.

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25 Side Hustles You Can Start Today To Make $1000 A Month

25 Side Hustles You Can Start Today To Make $1000 A Month

We’re all given the same 24 hours in a day, it’s what we do with it that differentiates us. Technology has made so much possible for us, I want you to take advantage of all the opportunities that are out there if you’re looking to kick debt in the face.  Listed below are 25 side hustles you can start today, and make up to $1000/month! 

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Simple gifts that won't break the bank, but WILL make you look good

 

Over the years we’ve had so much generosity passed our way. We’ve had friends and family members gift and share children’s clothes and toys, we’ve been given subscription services for gifts that last a year or more, they watch our kids, bring over food, help with major home projects, have helped us move and the list goes on and on. Sometimes thank you just doesn’t seem to be enough. Here are some great gifts that are always loved and don’t break the bank. You don’t have to spend a lot to show gratitude.

Gift

Homemade bread

Listen, who doesn’t love warm, soft homemade bread? I have a bread machine that was a gift from my mom probably back when I bought my first house. It’s been the gift that keeps on giving to us and to friends. This is one of my favorite go-to’s in the fall and winter to just say a little ‘thank you’ for a small favor or when going to someone’s house for dinner or drinks. I use the quick loaf recipe and have a fresh loaf to go in 58 minutes.

Don’t have a bread machine? How about just trying one of the many 5 star reviews of basic bread you can find on Pinterest? Or, just bake some good old fashioned chocolate chip cookies. From scratch or slice and bake, it’s the thought that matters.

Wine

Wait, I’m sure you’re thinking I must be mistaken because I said it won’t break the bank. Listen. There is nothing wrong with an inexpensive bottle of wine. I don’t know another mom who isn’t grateful for a bottle to have on hand in case of a meltdown. Costco has bottles (not in PA of course) for as low as $5.99, Fine Wines and Spirits has bottles that I’ve seen as low as $5.99 on sale and then there’s always Trader Joe’s two buck chuck (actually $2.99). My favorite thing to do is to pick up a bottle or two when I’m at the store anyway to have on hand.

Crock-pot Crack

Ok, I bet that I can find a way to fit this into everything I write. And I know I need a better name, but this stuff is addicting. It is seriously the best gift, the best candy and it makes such a huge recipe, it’s the gift that keeps on giving! One batch makes over 100 pieces of candy and the whole batch of items only runs about $15.00 shopping at Walmart or Aldi. You get at least 5 gifts out of it, depending on your serving size. Shop the Dollar Tree or Michaels for gifting tins or packaging that will run $1.00 or less each.

I start making pots of this in early November to have on hand anywhere we visit, for our mailmen, teachers, friends and neighbors. We give it throughout the holidays and every year I end up making one batch more than the last. Here is the recipe I like to use. Throw it in the freezer until you need it, or it will magically disappear.

Shutterfly Gifts

This takes a little more thought and planning, but if you have someone who regularly does you favors like a neighbor or friend, you can almost always find a Shutterfly coupon for 40-50% off, or freebie giveaways. If you don’t have any favorite photos of them, pick one they would appreciate of their kid(s), dog or family from their Facebook page and turn it into a fun gift for their home. You can do most of these for FREE-$10 including shipping.

Rice Bag Warmers

Do you have a sewing machine or any skill at all? I definitely don’t, but I have received, a rice bag warmer and I know that it’s one of THE most useful gifts I’ve ever gotten. It only takes someone who isn’t me, a matter of minutes to make. And if you’re already a crafter, you probably have some material on hand.

Saying thank you doesn’t need to be expensive or extravagant. Good friends just do those things because they want to, but it’s always nice to be appreciated for the things you do! What are your favorite things to gift that cost mostly time and thought?

If you’d like information on getting started on a budget, getting out of debt, learning how to save money, protecting your family financially and creating a financial plan to build wealth, click here to set up your FREE discovery call and let me show you how I can help!

 

Don't forget these 10 items in your September budget

 

I can't quite get a grip on the fact that September is almost here!  It's time for pumpkin everything to come out, sweater weather, nighttime bonfires and of course, Labor Day, signifying the end of summer has come.

And as always, the weekend leading up to the new month, it's time to sit down and reflect on how you did with August goals, set new goals for September and most importantly, create a September spending plan.

Planning.jpg

So without further ado, let's look at September's budget.

Top 10 things to remember for September

1.  School supplies and fees - These should have been budgeted for in August, but now's the time to catch any overflow or things forgotten.

2.  Fall clothes and shoes - you might have been waiting for Labor Day sales or maybe the summer bbq's got to your waistline, but if you need fall clothes, make sure you have it in your budget.

3. Labor Day - We also looked at this in August, but now it's here.  Need extra gas money for travel, cookouts or a last minute getaway?

4. CHRISTMAS - That's right...I said it.  As of September 1, Christmas is officially less than 4 months away.  In fact, as of my writing, it's 121 days away.  If you haven't started planning NOW is the time.  Take the total amount you plan to spend and divide it by 4 and stock that much away each month to spend.

5.  Birthdays/anniversaries/weddings - It didn't even register until now, it's our 3 year anniversary this month.  Awwwwwww.  Did you know that September is one of the most popular months for weddings?

6.  Winterizing expenses - Yes summer is just ending, but there will be snow on the ground before you know it!  If you have a pool to close down or a boat on the water, you'll need to start preparing for the costs to take care of them.

7.  Halloween - It'll sneak up quick and I know that some people put Halloween up as high as Christmas on the favorite holiday list.  And unbelievably, costumes, candy and decorations are already out.

8.  Tailgating - WE ARE PENN STATE!!!  And, Here we go Steelers, here we go!!!

9.  Quarterly bills - If you pay any of your bills quarterly (car insurance, water, sewage, taxes, etc), they're often due October 1st. 

10.  Family photos.  Being such a beautiful time of the year, fall is very popular for family photos and mini sessions to be offered. Take advantage of the scenery!

 

As always, every person and family is different.  You might not include all these in your budget and maybe I'm missing some things that should be listed.  What's in your spending plan for September?