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!

 

10 easy ways to start saving money right now

 

Saving money shouldn’t be so hard, should it? I have a few simple tips that you can start today to help it along. These might not break the bank all by themselves, but they sure add up quickly over time! And there’s little effort required, just a few small changes at a time will add up to big rewards.

Cash

1) Stop buying convenience/prepackaged drinks.

Do you stop at Sheetz to get an iced tea or soda daily? What about bottles of iced tea/lemonade/flavored water/you name it here for your house? If your drink allows, try buying powder at home and make the drink by gallon batches. Invest in a nice water bottle to transport and you’ll spend just pennies on the dollar and probably drink less because you have to make it!

2) Shop at low-cost grocery stores

I did a little experiment months ago comparing shopping at Aldi to even the generic brand at your big name grocery store. And the results were surprising to even me, being a savings of more than 40%. You can find the article here. I need to do another to compare brand name vs. generic but I can almost guarantee you’ll find similar results.

3) Stop with the paper cups, plates and baggies

They’re convenient, I get it. No dishes to wash, no dishwasher to unload but they’ll add up big time if you use one (or two or three) daily and toss after each use. We love to use reusable and dishwasher safe bento boxes and the take and toss bowls with lids to pack lunches and snacks on the go. (Hint: the take and toss are dishwasher safe and most definitely do not need to be tossed after each use!)

4) Shop in bulk and freeze or meal prep monthly

You’ll get better prices by shopping in bulk. I bought 2 1/2 lbs of 93% lean ground beef this week for $9.68. I could’ve bought just 1 lb for $4.38. So I bought bigger and made stuffed peppers, hamburgers and tacos for the week and still had burgers to freeze. Check out Costco, Sams Club or BJ’s for stores most convenient to you for dry goods in bulk. Just remember, a deal is only a deal if you’ll use it…think twice before buying a 5 year supply of yellow mustard (been there and done that). You can also consider sharing a membership or items with a friend who’s close by and share the savings.

5) Hang dry your clothes

Ok, now you’re thinking, “She’s lost her mind!” While that might be true, stay with me on this. First of all, your clothes will last longer. Line drying is gentler on fabrics and the excessive high heat and tumbling can cause strain and unnecessary wear and tear. On the money side, it can save upwards of $200-$300 depending on your dryer, the amount of clothing you do and your state. Check out this nifty calculator here to see how much you’d save this year by line drying your clothes! And lastly, if you hang them in the sun in the spring, summer and fall, they just smell nice!

6) Unplug it

I can go a lot of directions here, but staying with energy conservation and savings, did you know that the average US household spends more than $100 each year to power devices that aren’t even being used? Just for fun, I just walked around our house to count how many appliances, electronics and devices we currently have plugged in and I have to say, I was a little surprised to count 37! We don’t need almost half of those on a regular basis. Start unplugging the phone and tablet chargers when not in use, the handheld vacuum that’s always charging, the tv’s and lamps in the bonus and guest rooms you rarely use and watch your electric bill go down. If you happen to be in the market for a new appliance, if it’s Energy Star, you can receive rebates for your purchase. Check out the Energy Star website for more information.

7) Adjust your thermostat

I’m not saying to freeze it out, but if you’re wearing shorts and short sleeves in your home in the winter, put on an extra layer or two and turn the heat down 2-3 degrees. And vice versa in the summer, if you’re using blankets on the sofa, it’s time to turn it up just a bit. It’s been long debated whether it saves money or not to turn the heat down when you leave for work for the day, but I believe the final answer is yes, it does benefit you in energy savings. According to energy.gov again, the savings can be up to 10% a year by setting your thermostat back 7-10 degrees Fahrenheit when you’re gone. Read more on that here.

8) Clean out your pantry at least monthly

Most of us buy a can of “this” here, because we might use it, and a can of “that” there. And yet, we all open the pantry cupboards and say, “We don’t have anything to eat!” I’m willing to bet that if you go to your pantry right now, you can come up with 3 meals off the bat. I personally know if I put effort into it, I could come up with a minimum of 5. They may not be awesome, but I know we have soup, lentils and beans and different pastas and sauces. Last spring I ran a pantry challenge for a week where I challenged everyone to cut their grocery budget in half for the week and use as many items in your pantry as possible. It was fun, we shared recipes and it was eye opening! Maybe I’ll host another coming soon!

9) Brew your coffee at home

Ok, I know this sounds obvious and it kind of goes with #1, but it’s not obvious to all. Let’s briefly talk about the latte factor. The average small cup of coffee (just coffee) is right around $2.00 in the US. Mochas and Lattes an all that jazz will run you $4.00-$5.00 on average. But just coffee, 5 days a week, 52 weeks a year is $520 a year, almost $45 a month. Using the higher end coffees, just one a day is $2600 a year and $216 a month. Wowzas! I know it doesn’t seem like much on a daily basis, but what would those numbers get you? I’m pretty sure our honeymoon on an amazing cruise was less than $2600. Hellllloooo! Save up one year and buy yourself a home espresso machine and have all the fun you would like for pennies on the dollar.

10) Use cash

This will always remain my number one (or two) way to save money. If you haven’t read it yet, check out my blog on why cash envelopes are my secret to staying on budget. I challenge you to go to the ATM today and take out cash this week for what you budget (or think you spend if you don’t budget) on groceries, gas, and other miscellaneous needs during this week. For just one week give it a go and see if you can spend less and save more. According to this article and research at CMU, Stanford and MIT, spending cash actually activates pain centers in the brain. Let’s say you need $70 for groceries and $50 for gas. If you start on payday, get 6 $20 bills and absolutely have to make it until your next payday, you’ll make different decisions throughout your day with that money.

I know we’re all looking for that magic bean that makes it all easy, but the truth is that saving money takes a lot of small steps and conscious behavior changes. I read on someone’s feed yesterday, “You are not Amazon Prime. It takes more than two days to get what you want.” These 10 steps are ones that you can take right now, today to make a change in your financial life. What are you waiting for?

If you’d like more information on getting started on a budget, getting out of debt, learning how to save money 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!