Budgeting

Summer is nearly upon us, and what better way to celebrate than with a garden party?

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However, if, like many Americans, you find yourself dealing with party hosting anxiety, the thought of inviting even your closest friends and family around may seem daunting. Fortunately, that does not mean you must miss out on the fun. 

Carefully planning the party ahead of time will ensure that everything goes smoothly, allowing you to spend close, quality time with those you love.

Get your garden ready

One of the biggest benefits of planning a garden party is that you don’t need to spend hours cleaning your home ahead of time. This is because your guests will spend very little time there, aside from when they need to use the bathroom. It does, however, mean that you should show your garden some love ahead of time. While nobody is expecting you to become a master landscaper, make sure that your garden looks neat and presentable and spruce up your outdoor furniture a little.  

Focus on making great-tasting food

The star of any garden party is the food! However, you don’t need to make complicated dishes to impress your guests; just make sure they taste great. The easiest way to achieve this goal is to invest in quality seasonings and marinades, such as honey BBQ sauce. 

If you’re trying out a new recipe, be sure to do a trial run ahead of time. This way, you can ensure that you put your best foot forward on the day itself. 

Don’t be afraid to ask guests to pitch in

If you’re working with a particular budget in mind, don’t be afraid to ask guests to pitch in here and there. For example, you could host a potluck party where everyone is responsible for bringing a different dish, or simply ask that they BYOB. This does not make you any less of a host, especially as they are likely to be more than willing to help out. 

Create a fun, vibrant atmosphere

Creating a fun, vibrant atmosphere will help your guests relax and have fun, and there are many ways in which you can achieve this goal. For example, you should make sure that you have music playing throughout the night, so that it doesn’t feel quite so quiet. You should also make sure that you invest in outdoor lighting, especially if you live in a place where it gets dark fairly quickly. 

Final thoughts

Hosting can be stressful, but it doesn’t have to be. Careful planning ensures that everything will go as smoothly as possible during your garden party, allowing you to let loose and have some fun yourself. However, it is also important to remember that when hosting this kind of event, you’re surrounded by people who love and care about you. This means that a few mistakes are not the end of the world, even if they later become a running joke within your friend group. Relax and have fun! 

Friends, what are your top tips for planning the perfect garden party? Please leave your thoughts in the comments below.

Furthering one’s education beyond high school through college, graduate school, vocational training, or other programs can be extremely rewarding. However, higher education costs have been rising steadily, making it difficult for many to pursue academic dreams. Fortunately, there are ways to cut costs and make further education more affordable. Here are some tips.

Look into Scholarships and Grants

One of the best ways to reduce the cost of further education is to apply for scholarships and grants. Many organizations, companies, non-profits, and even the government offer scholarships and grants to help motivated students fund their academic goals. Research scholarship and grant opportunities that fit your background, field of interest, academic merit, extracurricular activities, community service, financial need, and other criteria. Then, dedicate time to submitting thoughtful and complete applications. Even smaller scholarships and grants can add up to significant savings.

Consider Federal Student Aid

Federal student aid from the government is another valuable option for funding further education. Options like Pell Grants, Federal Work-Study programs, and low-interest Federal Student Loans are available to eligible students through the Free Application for Federal Student Aid (FAFSA). Fill out the FAFSA each academic year to determine your eligibility for federal aid. 

Choose an Affordable School

Consider the cost of tuition and fees when researching and applying to schools for further education. In-state public universities and community colleges often have much lower tuition costs than private or out-of-state institutions. Don’t assume a higher sticker price means a school is of better quality. Look for hidden gems that offer your program of interest at an affordable price point. Also, look into part-time enrolment if possible, to reduce costs.

Online courses may offer better value for money and more flexibility. Studying for a Webster University online master’s, for example, means fewer costs, and you can study around a full-time job.

Minimize Living Expenses

Look for ways to save money on living costs while in school. Having roommates, living at home, and minimizing discretionary spending can help significantly. Also, be strategic about transportation methods. Living near campus or public transportation can allow you to avoid the high costs of parking, gas, car maintenance, and insurance. Lastly, rent textbooks, access free online resources, buy used copies, and resell when done to save.

Work During School

Getting a part-time or work-study job while in school is a great way to help cover living expenses and offset tuition costs. Look for opportunities on or near campus that offer flexible schedules for students. Just be careful not to take on so much work that it compromises your studies. Students who work a moderate number of hours can gain valuable experience, skills, and income to make further education more affordable.

Leverage Employer Education Benefits

If you are already employed, check whether your company offers education benefits or tuition assistance. Many employers provide scholarships, stipends, reimbursement programs, or other incentives to help employees pay for further education. These programs often require you to continue working for the company for some time after earning your degree.

By researching all your options and taking advantage of every opportunity, you can make furthering your education much more affordable. With some effort, persistence, and creativity, you can reduce the financial barriers to reaching your academic and career goals.

Friends, what are your best tips for making further education more affordable? Please leave your thoughts in the comments below.

Purchasing a franchise can seem like a great way to start your business without building it completely from the ground up. However, franchises come with significant upfront costs and ongoing fees. Before investing, you need to carefully consider if a franchise aligns with your goals, abilities, and financial situation. This article explores key factors to evaluate when deciding if franchise ownership is right for you. 

Understanding What You’re Buying

When you purchase a franchise, you are buying the temporary rights to use an existing business model and brand name. You will gain access to the franchisor’s training, support, and operating procedures. However, you will need to pay an initial franchise fee, make an ongoing royalty payment, and follow the terms of the franchise agreement. Understand exactly what you are getting for your money before moving forward. For example, check out this page on what Do The Beach franchise owners are offered as part of an inflatable park package.

Evaluating Your Skills and Interests

Operating a franchise still requires hands-on effort. Review your interests, abilities, and willingness to follow a system. Franchises work best for entrepreneurs who have some business experience but also value guidance and structure. If you want complete creative freedom, a franchise may frustrate you. Gauge whether your personality and work style fit the franchisor’s approach. You’ll need to follow their processes closely.

Researching the Franchise Thoroughly

Do in-depth research before choosing a franchise. Look at the company’s financial statements, talk to existing franchisees, and inspect the terms of the franchise agreement closely. Make sure the brand has a strong reputation and the business model seems viable in your local market. Look for indicators of a well-run organization with franchisee support and training. Don’t let excitement about the concept overshadow the importance of due diligence.

Understanding the Costs Involved

Franchises involve major upfront and ongoing costs. The initial franchise fee to purchase the rights to the brand often runs from $10,000 to over $100,000. You must also pay for real estate, equipment, inventory, marketing, working capital, and more. On top of that, you’ll continually owe royalty payments of 5-10% of gross sales. Review your finances to ensure you can secure financing and handle all costs. Undercapitalization is a top reason franchises fail.

Evaluating Your Market

Research your intended territory to assess if it can support another franchise location. Factors like population demographics, competition, and accessibility impact success. You don’t want to cannibalize sales from other locations. Many franchisors limit how close franchisees can be. You may also be required to hit sales minimums, so evaluate if that’s feasible in your area. The franchisor should provide data to help you make an informed decision.

Purchasing a franchise can help aspiring business owners gain a foothold in an industry. However, it’s not the right choice for everyone. Carefully weigh whether your skills, finances, and interests align with the franchise opportunity. Do in-depth research on the brand and market. If it’s a good fit, a franchise can provide structure and support as you start your entrepreneurial journey. With careful selection, it can pay off with a thriving business.

As temperatures rise this summer, so can your expenses—utilities, vacation spending, and extra costs from entertaining the kids or doing renovation work around the house- which can often lead to much higher bills. However, with some planning, you can keep your budget in order and do everything you need to. Let’s look at effective ways to save money this summer without missing out.

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Get Your AC System Checked Early

Running an old or poorly maintained air conditioner can rack up high electricity bills. Arrange to have a professional inspect your unit to ensure it’s running efficiently. 

If your system is outdated, it may be struggling to cool your space; upgrading to a more energy-efficient model can help you save more in the long run. If you need help with an upgrade, get a quote for a professional AC installation.

Use a Programmable Thermostat  

If you can, get yourself a programmable thermostat that allows you to raise the temperature when you’re not home and cool down just before you return. This means your home will stay comfortable without wasting any energy.

Cook Outside or Use Small Appliances 

Using your oven adds extra warmth to your kitchen that you don’t need. This forces your AC to work much harder. Try to cook outside when possible or switch to using smaller appliances such as a toaster oven, microwave, or air fryer. These use much less energy and produce less heat, which is a bonus in the summer months.

Block Out the Sun  

Try to keep your curtains closed as much as possible during peak sunlight hours. Consider adding blackout curtains or reflective window film to reduce your indoor temperatures naturally rather than relying solely on your cooling system.

Plan Budget-Friendly Activities

When it comes to the summer months, there is always a lot of pressure to get out and about and do an activity, especially if you have children. It is possible to get and about without needing to spend a lot of money. Rather than going to a theme park or on an expensive day trip, think about looking for low-cost or free activities. Go for some walks, eat a picnic in the park, go on a camping holiday. 

Also, don’t forget about the garden’s potential. Add a few toys to the garden, make your popsicles, and have a good old-fashioned water fight. 

Travel Smarter

Suppose you’re planning a summer getaway; it’s best if you can book your flights and accommodation as soon as possible. It’s not always possible to get last-minute deals, and if you book in advance, you have more time to pay for it. 

If you are heading on a road trip, make sure you check your tire pressure, oil levels, and air filters. Keeping your car well-maintained leads to better fuel efficiency and can prevent costly repairs.

Final Thoughts  

Summer doesn’t need to break your budget. Making small adjustments at home and adopting smarter habits while on the go can add up to big savings. Stay cool comfortable, and keep your spending in order.

Friends, with summer around the corner, how will you be saving at home this coming season? Please leave your thoughts below.

Many thanks to Kingdom Faith Marketing Services for providing a sample of the product for this review. Opinions are 100% my own.

When the weather is cold and gray, little heals the spirit more than a great, new film. Including the new film from Kingdom Story Company, the team behind Jesus Revolution and The Best Christmas Pageant Ever, and Lionsgate, producers of Wonder, comes “The Unbreakable Boy.” In the story of Scott (Zachary Levi) and Teresa (Meghann Fahy), parents learn their beloved son, Austin, is both Autistic and lives with Brittle Bone Disease. Despite initial misapprehensions of their son’s newly diagnosed illness, develop a path forward through faith, gratitude, and joy. The childhood journey towards becoming unbreakable.

Film highlights include an opening voiceover from teenage Austin (Laval), who shares his favorite things-Hidden Valley Ranch, Star Wars, and his movie collection, including an affinity for “Fight Club.” Later, sharing the meet-cute of his parents meeting in a department store, his birthing scene, and a lead-in to his health struggles.

Later, Austin shares that he lives with Osteogenesis Imperfecta (OI), a condition that makes his bones incredibly fragile. Where a simple fall from the couch could result in broken limbs as well as his personal Autism diagnosis. Yet, through a steely resolve, vows to never let his health and psychological conditions slow down his soon-to-be brilliance. Portraying Austin as the smart, clever, and larger-than-life young man he’s destined to become. Guiding viewers to view his academic pursuits, health conditions, and small, personal victories in great ways. Based on Scott LeRette’s memoir, of the same name, this screenplay is one to see this season.

The movie is a heartwarming coming-of-age tale of a family learning to navigate the challenges life throws their way with all the faith-based feels Kingdom Story Company is known for. “The Unbreakable Boy” is the family film to see with your most loved this season. Leaving viewers to hope for a stronger, more impactful experience for themselves, and others, this season and beyond.

Click here to buy tickets to see “The Unbreakable Boy” in theaters starting February 21, 2025. Plus, thanks to Momentum Influencers, one Theladyprefers2save.com reader can enter to win both a $10.00 Amazon.com gift card as well as a ticket to Kingdom Story Company’s “The Unbreakable Boy,” in theaters starting February 21, 2025.

To enter, please leave a comment letting our community know if you have a connection to the Autism or the Brittle Bone Disease community in the United States. Please note,  that this giveaway ends on February 23, 2025, at 11:59 PM CST. All duplicate entries across participating platforms will be disqualified. This giveaway is open to US entrants, only. The film ticket and gift card will be sent electronically from Momentum Influencers to giveaway winners. Good luck!

Friends, why do you have a connection to the Autism community or Brittle Bone Community? Please leave your thoughts below.

Deciding to pursue further education while working full-time is a big step. Choosing the right institution to meet your needs is key to achieving your goals. Here are some essential tips for working professionals to find the best program.

Research Your Options

The first step is thoroughly researching all your options. List local colleges, universities, and online programs that offer degrees in your field. Compare costs, accreditation, flexibility, admissions requirements, and program length and format. Narrow your choices to a few top contenders that seem the best fit.

Consider Flexibility

For busy working adults, flexibility is often the most important factor. Look for programs that offer evening, weekend, or fully online courses that allow you to fit your studies around work and life. Accelerated course formats help you complete degrees faster. Schools like https://ce.fresno.edu/ offer a wider range of flexible, self-paced online courses for teacher professional development.

Finding the Right Fit

Make sure to choose an accredited program that provides the knowledge, training, and credentials you need to reach your career goals. Smaller class sizes and close faculty interaction are ideal for working students who need more personalized support. If you anticipate needing financial assistance, research aid options thoroughly.

Evaluate Program Quality

Carefully examine factors that indicate academic quality and student outcomes. Look at instructor qualifications, curriculum rigor, class format, research opportunities, career services, graduation, and job placement rates. Programs that support working adult learners tend to have higher completion rates. Reputable rankings like US News can also help gauge program excellence.

Talk to Advisors

Schedule appointments to meet with admissions counselors and academic advisors at your top schools. Discuss your situation, goals, and program details to get insight on whether it’s the right fit. Ask about support services for working adult learners. Their guidance can help inform your final decision.

Consider Convenience

For busy professionals, proximity and convenience are key factors. On-campus programs close to work or home cut down on commuting time. Fully online degrees allow you to complete coursework anywhere, anytime. Weigh location, class times, and format options for the least disruption to your schedule.

Evaluate Previous Credits

Many schools allow transfer credits from past college coursework or education and training obtained on the job. This allows you to save time and money. Thoroughly research policies on transferring credits and experiential learning to maximize what counts toward your degree.

Prepare Financially

Completing a degree as a working adult often requires financial planning and budget adjustments. Besides institutional aid, research scholarships, employer tuition reimbursement programs, and government funding sources. Develop a financial plan mapping out these funding sources and repayment options if loans are needed.

With proper research and planning, working professionals can find the right institution for pursuing higher education. Key factors like flexibility, convenience, cost, fit, credit transfers, and preparation are essential to evaluate. Taking the time to make the best choice leads to achieving your goals and advancing your career.

Friends, what are your tips for pursuing higher education as a working professional? Please leave your thoughts below.

Did you know that my family, my Grandmother, Carolyn, and her brother, Danny Lee, adopted me as a child? A simple act of loving devotion that has left me with a lifelong desire to see other children find their forever homes. No easy task, as many children in various state foster care systems are moved from home to home, from house to house, often toting their limited belongings in transient, trash bags. Leaving impressionable children, young scholars, artists, and athletes already struggling to find their place in this world, struggling to retain personal dignity and space.

While these problems lie much larger, more complicated socioeconomic, economic, and politicized issues. Yet, there are simple ways that everyday people, those like you, and I, can help- ways as simple as they are straightforward.

“My Bag My Story,” a non-profit organization that strives to improve the lives of foster youth by providing children with high-quality travel-style bags. With each bag purchased, another high-value bag is donated to help children navigate state foster care systems.

This initiative seeks to address the stigma of children and adolescents being prevented from the indignity that comes with carrying their possessions from place to place in mere garbage bags. Providing foster youth bags that are more than practical simplicity. These bags, train cases, and duffle bags are symbols of value, support, and recognition. Affirming the value of the shared human experience for every child in the foster care system. Helping American foster children feel seen and supported.

My Bag, My Story Founder, Cara Finger, explains that the organization’s origin started when she “Became a foster parent and watching children always have their belongings in a trash bag or grocery sack or nothing. Everyone kept saying this was normal. I said it doesn’t have to be normal, so I set out to have bags made for kids,” That “having a bag to call your own instead of a trash bag gives a child dignity and makes them feel valued. A bag seems so small but makes a huge difference in their foster care experience. Making a child feel like they are worth more than trash is so important to me.” A message vital to me as a fellow adopted child and as someone who, in turn, has helped support members of my own extended family to adopt children in recent wartime conditions.

Beyond community and state donations, My Bag, My Story has partnered with more than 30 Tennessee-based organizations to work directly with children in the foster care system to get them high-quality duffle bags, train cases, and backpacks. As a 501(c)3 nonprofit organization, My Bag, My Story depends on the generosity and support of national corporations, including Dell, The Predators Foundation, Saint George’s Episcopal Church, and the Target Corporation.

National Foster Care Statistics

According to the United States Department of Education, more than 400,000 children rely on the National Foster Care System. With nearly 20,000 young persons aging out of foster care annually, between the ages of eighteen and twenty-one, respectfully. Many are without the option of being reunited with their families of origin or legalized adoption. Presenting challenges to young people transitioning to independent living without the guise or financial means of establishment. You can learn more about the foster care system and its many challenges to young children and adolescents, here.

Ways To Help

Ordering a bag from My Bag, My Story, helping to lend security and dignity to children and young adults navigating the foster care system, is one great way you can help send young Americans onto the path of dignity and diversity, today! With so many great options and styles, featuring high-quality fabrics, your generosity can help uplift children from the comfort of your own homes. You can also read other My Bag, My Story accounts on its website, and check out My Bag, My Story on Instagram and Facebook.

If buying a My Story, My Bag duffle, train case, or tote isn’t an option for you at present, I ask that you please consider sharing this organization’s mission with those in your own life. And if you’re looking for other ways to serve foster families, here are other ways you can positively impact those living in foster care in your neck of the woods.

Giveaway

To help spread this impactful message, the good people of Momentum Influencers are giving one TheLadyPrefers2Save.com reader a chance to win their own $10.00 Amazon card. To enter, please tell me in the comments about your own experiences with the foster care system. Or how you believe individuals can help improve the national foster care system. A winner will be chosen at random on Tuesday, Oct. 1, 2024, at 11:59 P.M. CST. Gift cards will be electronically sent from Momentum Influencers. Duplicate entries across all participating campaign websites will be disqualified. Good luck!

Friends, have you or your loved ones been impacted by the foster care system? Please leave your comments below.